Company Overview. Sign up today and start getting unlimited mortgage leads now! Best regards, Brian Rokaw National Sales Director

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2 Company Overview What is PickYourOwnRate.com? PickYourOwnRate.com is an online portal that allows consumers to pick their own mortgage interest rate. This takes the haggling out of the transaction and consumers get the rate they feel they deserve. As a broker, you will have the option of charging additional points or increasing your origination fee in order to accommodate the applicant. Consumers visiting the site are encouraged to obtain at least one additional quote before they pick their own rate this increases the likelihood that the rate they pick will be accepted. How does it work? Consumers visit PickYourOwnRate.com and fill out a mini-application which includes all of their contact information. Their information is transmitted into our database and immediately sent out to subscribing mortgage professionals in that territory. As a subscriber, you will receive every lead that is generated in your territory each month - the number of leads you will receive is unlimited! Why does it work? It works because as a subscriber you become a part of PickYourOwnRate.com's aggressive nationwide marketing campaign. As a result, you get the benefit of a much larger marketing budget for just a fraction of the cost. Below you will find a series of Frequently Asked Questions about subscribing to PickYourOwnRate.com. Please take a moment to read over them and if you have any other questions about our subscription packages please do not hesitate to contact me at: , ext. 716 or via Subscriptions@PickYourOwnRate.com. Sign up today and start getting unlimited mortgage leads now! Best regards, Brian Rokaw National Sales Director

3 Frequently Asked Questions Q: What is the total upfront cost so that I can start getting unlimited mortgage leads each month from PickYourOwnRate.com? A: There are no sign-up fees, application fees or commitment fees whatsoever with PickYourOwnRate.com s Unlimited Monthly Mortgage Lead Program. Sign up today and start getting fresh mortgage leads delivered right away! Q: Do I need to sign a long-term agreement? A: PickYourOwnRate.com has 3-month, 6-month, and 12-month subscription packages available. As with any marketing campaign it typically takes several months to get truly accurate results on your investment and so we require a minimum commitment of 3 months. This also serves to protect our subscribers since subscription rates will likely increase in the future this means you have the opportunity to be grand-fathered in at today s rates by signing a long-term agreement. Q: How large will my territory be and how are the territories divided? A: Territories are comprised of entire counties (or parishes) and in some instances entire states. We have divided the territories as evenly as possible based on population and median home value. Some territories might be slightly larger geographically or may include slightly larger populations, but these variations will be reflected in the monthly subscription fees as well. Q: How much does a territory cost? A: Subscriptions rates vary by territory and contract length. For territory pricing and availability in your area call , Ext Q: Will my first month be pro-rated? A: Yes, the subscription fee for the balance of the first month will be pro-rated and all subsequent monthly fees will be due on the first day of the remaining 3, 6, or 12 months of the agreement.

4 Q: How many leads will you guarantee me per month? A: PickYourOwnRate.com guarantees that subscribers will receive an average of 10 leads per month minimum. If PickYourOwnRate.com fails to maintain this average at any point during the subscription term, the subscriber can cancel the remaining agreement without penalty. Q: How many leads per month can I realistically expect? A: Remember, you are not buying leads - you are buying a subscription which provides you with an unlimited number of leads per month. The majority of our subscribers have been averaging leads every month depending on the territory that they are subscribing to. However, some of the more densely populated territories have produced substantially higher amounts of leads on a consistent basis. Q: How are the leads generated? A: The majority of our marketing is done online since we are an internet-based company. We have sponsored search advertising on all of the major search engines, targeted opt-in s, pop-up and banner ads just to name a few. Some of the sites where ads will appear include: searchfeed.com, cnet.com, memolink.com, reunion.com, infospace.com, overture.com, findwhat.com, search.com, etc. The marketing department also does some non-internet based advertising in an effort to drive traffic to the site. Remember, we are not your average lead company. We do not go out and generate a flurry of spam leads and bogus leads. We make every attempt to produce the highest quality, freshest leads available anywhere on the Internet. Q: Can I share my account with my employees and co-workers? A: Not only are you allowed to, but we encourage it! We realize that marketing your services can be an expensive undertaking and that is precisely why we encourage you to partner up with one or more co-workers in an effort to spread the cost among several individuals. Additionally, it ensures that all of the leads are going to be followed up on in a timely fashion and that consumers will not be left waiting for a response to their online inquiry. Q: Can I get exclusive leads? A: Yes, we offer our subscribers the opportunity to buy exclusive rights to a given territory as long as there are currently no other subscribers in that territory. If you choose this option you will be the only subscriber in that territory to receive every lead during your subscription term.

5 Q: How many times are you going to sell my territory? A: If you choose not to buy the exclusive rights or this option is not available to you at the time of your subscription agreement then PickYourOwnRate.com reserves the right to sell each territory to no more than four subscribers (including you) at any one time. Q: Do I get a discount for subscribing to multiple territories? A: Yes, we do offer bulk discounts depending on the number of territories you are subscribing to. Please ask for a quote for the territories that you are interested in. Q: Do I get a discount for paying for my entire subscription in advance? A: Yes, if you decide to pay for your entire subscription term in advance a minimum of 3 months you will receive a discount. Please ask for a quote for the territories that you are interested in. Q: Do I get a discount for subscribing for longer than a 12-month subscription? A: Yes, if you decide to subscribe to PickYourOwnRate.com for longer than 12 months you will receive a discount. Please ask for a quote for the territories that you are interested in. Q: What is your return policy? A: There is no reason to ever return leads since you will be receiving an unlimited number of leads on a monthly basis. If you do receive a lead with bogus information you are more than welcome to bring this to the attention of our customer service department, but it is not necessary. Q: Are the leads good? A: Whenever you receive a lead no matter where it comes from referral, friend, family, business associate, online marketing, etc. you will have a certain percentage of leads that will close. That percentage depends in large part on the skill set of the given sales professional and therefore, it is impossible for us to tell you what percentage you will close. However, many of our current subscribers are experiencing closing rates of 10 12%.

6 Q: What if I want to cancel my subscription? A: You can cancel your subscription if you so choose but please be advised that if you do so during your subscription term you will be responsible for a cancellation fee equal to 50% of the total remaining fees owed for the initial term, plus 100% of any past due balances. If you decide to cancel after the expiration of your subscription term while you are on a month-to-month plan you may cancel at any time and will only be responsible for any past due balances. Q: What types of leads do you generate? A: PickYourOwnRate.com requires consumers to choose whether they are interested in a purchase loan, refinance loan (with or without cash out), home equity (loans or lines of credit), or a commercial loan. Some consumers may be interested in conventional, FHA, or VA loans. Some consumers may be foreign nationals. Q: Can I put filters on the types of leads I want to receive? A: You will be able to tell us what types of leads you are willing to accept. Since leads are unlimited there is no reason to provide filters such as minimum loan amount, LTV or credit grade. However, if you do not have the ability to secure certain types of financing e.g. commercial properties, FHA or VA loans, foreign nationals, etc. please let us know that upfront. Q: What format will I receive my leads in? A: You can receive your leads via or fax if you have an alternative way that you would like to receive the leads please let us know and we will try to accommodate your request. Q: What forms of payment do you accept? A: We accept VISA, MasterCard, American Express, Discover, Checks (personal or corporate), and PAYPAL. Q: Can I pay with a corporate account? A: Yes, you can use a corporate credit or debit card as well as a corporate check. Please provide proof that you have the authority to make transactions on these accounts.