Eagle Home Mortgage

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1 Our Growth, Your Opportunity Committed to Seeing You Home

2 Now more than ever, people need a partner and an advocate dedicated to guiding them through the financing process, removing obstacles and making sure things get done right.

3 Eagle Home Mortgage With freedom comes responsibility. Somewhere around the turn of the 21st Century, that idea got lost on a large scale. The fundamentals of fi nance and economics, as well as good old common sense, were largely abandoned in favor of short-term gain. As the fallout of this unbridled opportunism drives sweeping regulatory changes in the mortgage industry, and the banks that were deemed too big to fail scramble to reinvent themselves, Eagle Home Mortgage is experiencing positive growth by embracing the values and connected approach that have defi ned us since the beginning. We have always been responsive to the needs of homebuyers. Starting out as one of the fi rst Mortgage Brokers in 1984 in order to provide people with more options and opportunity, we evolved into a full-service Mortgage Banker to offer greater assurance with the ability to underwrite, fund and close our own loans in-house. Our independence as a Mortgage Banker and a proud member of The Lennar Family of Companies (NYSE:LEN) has played a crucial role in allowing us to make prudent decisions that will enable us and our clients to weather the current fi nancial crisis as well as the next one. In this new age of fi scal awareness and caution, people are not so much worried about whether they will choose a bad loan, but whether they can get a loan at all, especially one that will actually close on time and at the terms they were promised. Eagle Home Mortgage knows the only real cure for delay and confusion is not more legislation, but more communication. Today, even experienced mortgage industry professionals must work hard to keep up with the constant barrage of new requirements. Average home buyers and owners have no choice but to depend on the experience and integrity of their loan offi cers to guide them through an increasingly complex process. Now more than ever, people need a true partner in the mortgage business. Eagle Home Mortgage is committed to being that partner through smart, strategic growth, proactive training, effi cient technology, open communication and above all, the ability to structure and close top quality loans. It s easy to be a mortgage company when you can approve nearly anyone who seeks a loan, with little regard for the consequences. However, doing it the right way, especially in the new economy, takes extraordinary passion, experience and determination. Though it s anything but easy, Eagle Home Mortgage is committed to guiding people toward a new sense of freedom, the kind that comes from true ownership in the American Dream. We are committed to seeing you home.

4 We have survived and thrived through many extreme market swings and have remained strong, stable and successful by exercising good judgment and ethical business principles.

5 Why Eagle? Established with the firm belief that PEOPLE are the core asset of an organization, Eagle has prospered and grown into a highly esteemed, full service mortgage banker. Reputation and Longevity Greatly respected by our correspondent partners and strong investor relations due to our excellent loan performance records and years of service Operating Platform Loan Offi cers have direct access to LP/DU at point of sale; local processing, underwriting and funding - In House operations Full Array of Standard Products and Niche Products with Ability to Broker Complete in-house product line includes conforming, FHA, VA, USDA, jumbo, state bond, reverse mortgage, manufactured housing and 203K Integrity of Senior Management Knowledgeable, experienced leadership that is caring and responsive Quick Underwriting Turnaround Times with Ability to Fastrack Highly skilled, experienced and approachable underwriters, processors and funders; dynamic and respectful work environment Stability Well-capitalized and fi nancially responsible; a proud member of the Lennar Family of Companies (NYSE:LEN) Competitive Pricing with Local Control Great rates with the ability to lock in a rate online, from anywhere Compensation and Benefits Competitive pay, company matched 401K and excellent Healthcare options (medical, dental, vision, disability and life insurance) President s Club Top producers enjoy an annual getaway to receive current information on industry trends and celebrate their success WE CARE WE LISTEN WE RESPOND WE ARE: EAGLE HOME MORTGAGE Committed to Seeing You Home.

6 New Branch Testimonial May 5, 2010 Dear Eagle Onboarding Team, My team s fi rst month with Eagle Home Mortgage has been about learning your LOS, pricing, work fl ows, loan processes, disclosures and interestingly more disclosures. I am delighted to advise you that during our fi rst 30 days, we have experienced fi rsthand the Warmth, Caring and Can Do Attitude from the deck plates. On behalf of my team, I am writing this letter of appreciation to recognize those Eagle Home Mortgage professionals who have taken the extra time in helping my team navigate through our new territory. I would like to thank your Corporate Trainer who provided LOS Orientation as well as the proper disclosures form sets. Your Corporate Processor continues to be instrumental in helping each member of my team throughout the loan process / work fl ows that we are just now becoming familiar with. She is solution oriented and consistently demonstrates and maintains a calm, reassuring attitude, while always quick to remind and ensure that we remain compliant with prescribed guidelines. Your Onboarding Recruiter, with a cheerful and friendly attitude continues to readily share his knowledge and provides hands on assistance and answers our questions. Your IT Technician, who without hesitation, always fi nds a way to resolve our computer issues. The Underwriters - despite their already busy schedules, accommodated our fi les for quick closings, and continue to tirelessly work through our new fi les. And your Executive Assistant, without a doubt, always gets the answers to my questions. I can speak for every member of my Branch - we are extremely content with our decision. We are proud to be part of your Team of Eagle Home Mortgage professionals and look forward to a productive year. Sincerely, Branch Manager (WA) In the new economy, loan requirements change daily. Eagle Home Mortgage has been closing quality loans for decades.

7 Letter from Our CEOs Making a professional change in our ever-evolving industry requires a great deal of research, energy and perseverance. Researching the history of a company; their reputation, fi nancial stability and level of contentment among staff are all important factors when it comes to your fi nal decision to make the move. Energy and perseverance will ensure a smooth transition in the future. Our growth is your opportunity and we encourage you to take a good look at Eagle Home Mortgage, as we feel confi dent you will like what you see. Of course, it is easy to close loans when the economy is strong and business abounds. This company s success stems from doing our research, maintaining our energy in trying times and relying on our perseverance and vision to progress in any market. We value the contributions of all our colleagues. Our staff, vendors and clients have all contributed to the success of Eagle Home Mortgage. We are continuing to work diligently in our communities to close loans which are carefully underwritten and we continue to provide responsible lending. All of us share a desire to provide the best in mortgage products and services. We appreciate your interest in Eagle Home Mortgage. If you are ready to make a change, consider soaring with the Eagles! We look forward to hearing from you. Sincerely, Susan and Gary Carlson We know how to help responsible people overcome obstacles and achieve their goals.

8 Decades of providing quality customer service with the vision to navigate through past, present and future fi nancial climates. Committed to Seeing You Home. To fi nd the Eagle Home Mortgage offi ce near you, call: Or visit our website at: