REALIZE YOUR FUTURE More Than Just Words MISSION

® REALIZE YOUR FUTURE

More Than Just Words… MISSION VISION VALUES

Table of Contents Support for high loan volumes and fast turn times Scalable technologies and systems Compensation Engaged executive management Culture Lender reputation Competitive rates and pricing Diverse loan products Training and mentorship Marketing support

Support for High Volume and Fast Turn Times Ø We appreciate how hard relationships are to create and how fragile they can be. Close often and on time Ø Loan Officers are the heart beat of a mortgage company Ø Encompass rated DML as #22 of all lenders using Encompass for fastest turn time application to close Ø Customer experience is at the forefront of everything we do Ø Overstaffed for growth. We are geared up for expansion and can handle 3 X our volume Ø Full time recruiting department to proactively support growth staffing needs Ø We believe in support team units. As we add sales, we also look to add the teams behind them. Ø Support is a Culture and in order to perform at your highest level, you need to be able trust the people behind you. Ø DML was founded by 3 loan officers

ON-TIME CLOSINGS Principles of the DML Ops Department FAST TURN TIMES TRAINING ACCOUNTABILITY CUSTOMER EXPERIENCE EFFICIENCY ALLOW SALES TO SELL

We’re There When You Need It Operations Team and Underwriters are on call to assist with: Scenario Help Desk Guideline Clarifications All. Regs Investor Guideline Portal Complex Pricing Scenarios Niche Product Training and Support Branch Liaison

Technology and Systems Geared for Growth

Technology & Systems Replacing cumbersome manual processes with automated, digital solutions maximizes efficiency Encompass Hall of Fame Winner Cutting edge technology and equipment removes roadblocks to your success Integrated plug ins between all systems More tools in your tool belt (see following page) Team of developers on staff to implement better solutions and staff ideas Technology Committee

Technology & Systems Technology is vital for our company to accept and process loans in a timely manner. DML has researched and invested in the highestperforming technology tools and systems available to our industry.

Technology & Systems Additional technology and systems include: File sharing and document upload E-Sign Real time milestone notifications, alerts and reminders State of the art VOIP phone system with virtual assistant Video Conferencing Customized online application Optimal Blue Insight Encompass Mobile App Mortgage Mapp Encompass LO Connect Encompass Consumer Connect

Compensation Loan officer, sales manager, retail branch and P&L compensation structures highlight: Elevated commission structure through the transition period Guarantee during ramp up Competitive and aggressive flat tier Performance bonus Aggressive compensation offers to keep your team intact Production-based expense and marketing budget Recruiting Bonus -- lifetime

Benefits COMPETITIVE BENEFITS PACKAGES FLEXIBLE OPTIONS

Dedicated Leadership Team Ø Our Executive Leadership Team and Partners are actively engaged and understand the importance of their involvement and accessibility Ø We believe in hiring people that are better than we are or bring something to the table that we don’t have Ø Effective leadership utilizes a collaborative approach in accomplishing mutually beneficial goals Ø Employee committees help to shape our strategies for growth, customer experience, innovation and culture

Executive Leadership Team

Team Focus Executive Leadership Team dedicated to… Innovation Community Outreach Open-door policy and monthly forums to generate new ideas and communicate on-going progress. Customer Experience Growth

A Proud Sponsor of the Baltimore Orioles

Social Culture @ DML

Community Outreach Involvement

Rewards and Recognition REWARDING PERFORMANCE EXCELLENCE Top producers and difference makers are rewarded with monthly and quarterly recognition and rewards.

Industry Recognition 2016 Pictured: Earvin “Magic” Johnson recognizes a DML employee at an Ellie Mae Event.

Team Testimonials

Rates & Pricing Ø BUSINESS INTELLIGENCE TO ANALYZE DAILY PRICING FOR ALL LOAN TYPES AND SCENARIOS Ø IDENTIFY PROFITABLE NEW MARKETS Ø BENCHMARK RETAIL PRICING AGAINST PEERS AT THE LOCAL MARKET LEVEL Ø ABILITY TO CREATE UNLIMITED LOAN SCENARIOS

Independent Mortgage Bank In house processing, underwriting, closing and secondary Vast and diverse investor relationships allow for multiple take outs virtually eliminating overlays

Loan Programs

Suite of Products LOAN PRODUCTS FOR ANY SITUATION Our diverse suite of loan products allows you to better serve your clients and industry partners.

Geographic Footprint Licensed in 20 States Alabama North Carolina California Ohio Colorado Pennsylvania Delaware South Carolina District of Columbia Texas Florida Virginia Georgia West Virginia Illinois Indiana Louisiana Maryland Mississippi New Jersey

Mentoring and Coaching Managers Provide Dedicated Coaching and Mentoring Individually designed training and coaching based on your needs and goals Content is drawn from our personal experience growing our company and helping our loan officers and branch managers achieve their personal and professional goals Leverage and work-life balance are the key areas of focus

Transition Support YOUR INDIVIDUALIZED ONBOARDING SUPPORT TEAM LET OUR TEAM HANDLE THE TRANSITION SO YOU CAN KEEP DOING WHAT YOU DO BEST! Database transfer for marketing Licensing transition Business cards & announcement Personalized LO website Facilitate introduction to all systems and onboarding training Continued support through your first 90 days and beyond

Client Retention All clients receive an online survey and a follow-up immediately after settlement Survey results are used to constantly improve our customer’s experience Customer feedback is provided to the branch manager or loan officer

Customer Experience At DML, the Customer Experience is the most important consideration. We seek to develop lifelong relationships with each client. To this end, every effort is made to streamline the process. We also measure our performance by soliciting feedback throughout the transaction. Our satisfaction rating is greater than 94%, which demonstrates our commitment to Excellence. DML delivers prompt, personal service that enhances the home-buying experience. We provide real-time updates that allow us to keep the Customer updated every step of the way. The entire loan process, from application to closing is managed in-house – resulting in a shorter loan process. Every employee of our company has direct access to all processors and underwriters.

Marketing Support FULL-SERVICE IN-HOUSE MARKETING TEAM PROVIDING A VARIETY OF SERVICES AND TOOLS Leverage our marketing systems so you can focus on what you do best: closing loans! Team Branding Extensive professionally designed marketing menu Digital advertising & social media Event support Open House tools Branded promo items Postcards & flyers

Relationship Marketing The Business Development and Relationship Management Team is tasked with developing new industry opportunities and connecting our loan officers with mutually beneficial relationships. Our recruiting group identifies and screens top talent to facilitate the growth of your team. The driving principle in our Business Development blueprint is to transform business opportunities to lifelong relationships. quote from michelle jacinto: asked if she thought she would be closing so many loans within a year of joining DML, she replied, “i didn’t think it would be this easy to close 30 loans a month when i came here!”

Comprehensive Social Media Presence Ø Our Social Media team will help expand your online presence and keep you in the conversation Ø Use your Personal DML Facebook page to directly engage your clients and prospects

Your Opportunity Awaits We are prepared to: handle your volume, enhance your customer’s experience, provide you with the tools and resources you need to succeed, share our culture that encourages collaboration, growth with a solution focused positive attitude If you like what you’ve heard, let’s have a conversation.