The trusted source for competitive mortgage rates since 1995.

The trusted source for competitive mortgage rates since 1995. mcsmortgage.com

About MCS Mortgage Bankers, Inc. NMLS #8115 MCS is a residential mortgage lender based in Patchogue, NY, focused on delivering personalized mortgage loan products with competitive mortgage rates. Founded in 1995, the company provides a broad range of residential mortgage loans and services as well as high quality service levels and support. MCS currently has 16 retail branch locations in New York, New Jersey, Pennsylvania, Illinois and Ohio, and is growing at a consistent and measured pace nationally. MCS is an approved HUD Mortgagee, Freddie Mac Seller and Equal Housing Lender. When you join the MCS origination team, you will find that we are focused on meeting your needs. From our stability and extensive range of products to your compensation, benefits and marketing support, you ll have the tools you ll need to grow your book of business to an even higher level. About MCS Top 5Reasons to Choose MCS 1. Our client-centric process is straight-forward and simple: We Always Put Clients First. 2. For over 18 years, MCS has earned a name for itself as a full-service lender with exceptional customer service and a unique streamlined process. 3. Our knowledgeable mortgage professionals have deep industry insights and years of experience as they have handled every aspect of the mortgage process from Origination to Closing. 4. We will support you as you grow your business. We ll provide you with a complete library of operational, technology and marketing tools and support so you can maximize your sales efforts. We originate via Encompass360 and Reverse Vision, the 2 leading point of sale loan origination software systems in the industry. 5. Learn about our competitive compensation and benefits package. Once you re part of our team, we want you to carve your own niche here. We ve put together a compensation package that will help you boost your income and provide the benefits that you need, within 30 days. For more information about MCS, please visit www.mcsmortgage.com / www.joinmcsmortgage.com

Message from the President Welcome and thank you for considering MCS as your lender of choice. MCS was founded in 1995 with a mission statement that is very simple, and I have found that simple and works well. Our client-centric process is straight-forward and simple: We Always Put Clients First. Our ultimate goal is to create value and provide the highest quality and efficient services to our clients. On every championship team, it takes all of its members to believe in one mission and focus. The MCS team is dedicated to helping people make the biggest financial decision of their lives and, to that end, our job is to help educate them, give them choices, explain to them what the process will be and then -- most importantly -- make sure we live up to that commitment. I use the word team instead of company because I believe that, in order for us to be successful, we all must work in unison to accomplish our collective goals. Our business strategy is and always will be to focus on building lifelong relationships by meeting the needs of our customers. At that first moment when the loan originator builds trust or a bond with that client, the rest of the team must own that bond and carry through on that commitment. Courtesy, consistency and exceeding the client s expectations have helped us build a solid reputation throughout the country. Whether you are a borrower, prospective employee or a business partner, you will be proud of being such an integral part of our team. Our knowledgeable team has deep industry insights and years of experience as they have handled every aspect of the mortgage process from origination to closing. MCS has developed a strategic plan for the growth of our organization. We are optimally positioned to be a one-stop full-service mortgage services provider. As outlined in the following pages of this packet, you will learn about leadership profiles, business solutions, marketing and other relevant information to help you learn more about us. Sincerely, MARC STONE President Welcome

Licensed States Licensed States Branch Locations Illinois Louisiana New Jersey New York Ohio Pennsylvania License Pending Indiana Minnesota Rhode Island South Carolina Wisconsin Licensed Alabama California Connecticut Delaware District of Columbia Florida Illinois Kentucky Louisiana Maryland Michigan New Jersey New York North Carolina Ohio Pennsylvania Texas

Branch Locations ILLINOIS Geneva Branch 10 W. State Street, Suite 107 Geneva, Illinois 60134 Phone: 630-884-6030 NMLS# 1164895 LOUISIANA New Orleans Branch 201 St. Charles Avenue, Suite 2500 New Orleans, Louisiana 70170 Phone: 631-835-7279 NMLS# 392771 NEW JERSEY North Caldwell Branch 132 W. Greenbrook Road, Suite A North Caldwell, New Jersey 07006 Phone: 855-248-2788 NMLS# 1111293 Clark Branch 17 Brant Avenue, Unit 8 Clark, New Jersey 07066 Phone: 732-540-8519 NMLS# 1110452 Moorestown Branch 304 Harper Drive, Suite 125 Moorestown, New Jersey 08057 Phone: 856-861-0615 NMLS# 1063818 Paramus Branch 80 RT 4 East Paramus, New Jersey 07652 Phone: 201-977-1270 NMLS# 1110671 Pennington Branch 1 Washington Crossing Road Pennington, New Jersey 08534 NMLS# 1126706 Warren Branch 513 Warrenville Rd, Suite 4 Warren, New Jersey 07059 Phone: 908-502-7090 NMLS# 1109740 NEW YORK Corporate 20 Oak Street Patchogue, New York 11772 Phone: 800-300-7780 NMLS# 8115 Garden City Branch 591 Stewart Avenue, 4 th Floor Garden City, New York 11530 Phone: 516-252-0143 NMLS# 1052718 Great Neck Branch 111 Great Neck Road, Suite 217 Great Neck, New York 11021 Phone: 516-858-4970 NMLS# 955310 Great Neck Branch 150 Great Neck Road, Suite 102 Great Neck, New York 11021 Phone: 516-858-3141 NMLS# 1156884 Manhattan Branch 26 Broadway, 28 th Floor New York, New York 10004 Phone: 646-335-7581 NMLS # 1126691 Plainview Branch 255 Executive Drive, Suite 409 Plainview, New York 11803 Phone: 516-605-1020 NMLS# 1080232 OHIO Dublin Branch 5115 Parkcenter Avenue, Suite 265 Dublin, Ohio 43017 Phone: 614-401-8303 NMLS# 1124622 PENNSYLVANIA King of Prussia Branch 120 S. Warner Road, Suite 101 King of Prussia, Pennsylvania 19406 Phone: 610-989-0000 NMLS# 1147694 Locations

Why Choose MCS? MCS takes a great deal of pride in our people and are continuing to build and grow, and would like to work with other professionals who share our same passion for success, improvement, and expansion. Hear from our managers about what makes MCS great. SHAY SAMUCH, BRANCH MANAGER Plainview, New York I have over 15 years of mortgage lending experience and I am proud of being a part of MCS family. The support that MCS has afforded me is bar none. The company is currently licensed in over 13 states, which allows my call center operations to be successful. The operational staff has demonstrated high levels of customer service from processing to closing. The company is rapidly expanding multi-state licensing efforts and has demonstrated nothing but positive growth during my tenure. Why Choose MCS? BILL OETINGER, BRANCH MANAGER Pennington, New Jersey Let s face it; in the past five or six years, there have been a lot of mortgage providers entering and leaving the scene. The problem is that there is very little to choose from between companies and what they offer can change in a minute. I chose MCS because it was easy for me to look at the business from a different perspective: the capacity and desire to grow. It was that simple. MCS has the capacity and desire to be a great mortgage service provider. And we have great product, pricing, operations, and comp plans to boot! DAVE FRANKEL, BRANCH MANAGER Moorestown, New Jersey I have been in this business for 17 years, and only a year at MCS. I already have seen more willingness to support my sales platform than at any other time in my mortgage banking career. Senior Management is smart, attentive to my needs, and engaging in follow through. The culture at MCS is also one of family. Wow, the fun is back in our business! Visit us at www.joinmcsmortgage.com for more details!

Latest MCS News Read the latest news on our growth and sustainability. National Mortgage News Even though there is perception that obtaining credit is more difficult than ever, MCS Mortgage Bankers is trying to dispel this myth. www.nationalmortgagenews.com/dailybriefing/mcs-mortgage-bankers-opens-two-new-york-branches-1038277-1.html Reverse Mortgage Daily NY Lender Expands Reverse Mortgage Reach with Call Center Launch. http://reversemortgagedaily.com/2013/08/13/ny-lender-expands-reverse-mortgage-reach-with-call-center-launch/ National Mortgage News MCS Mortgage Banker Opens Two New York Branches. www.nationalmortgagenews.com/dailybriefing/mcs-mortgage-bankers-opens-two-new-york-branches-1038277-1.html National Mortgage Professional MCS Mortgage Bankers Begins Midwest Expansion with New Ohio Location. http://nationalmortgageprofessional.com/news43758/mcs-mortgage-bankers-begins-midwest-expansion-with-new-ohio-location National Mortgage News MCS Mortgage Appoints New CFO. www.nationalmortgagenews.com/dailybriefing/mcs-mortgage-bankers-appoints-new-cfo-1039352-1.html Mortgage Speak MCS Showcases Commitment to Diversity Via AREAA. http://mortgagespeak.com/press_release/mcs-showcases-commitment-diversity-areaa Mortgage Daily Mortgage Firms Continue Building Management Teams. www.menafn.com/c287fbde-c3de-4407-9da2-fad3a6d39a16/mortgage-firms-continue-building-management-teams HousingWire MCS Mortgage Bankers opens 7 new branches www.housingwire.com/articles/28119-mcs-mortgage-bankers-opens-7-new-branches MCS in the News

Operations Support & Technology Overview MCS has chosen Ellie Mae s Encompass360 as its primary loan origination system. Encompass, a state of the art paperless system drives production through the use of milestone movements at critical points throughout the origination of a loan. From point of sale through funding to investor delivery, our loan origination system facilitates a high level of pipeline management through its reporting capabilities and provides MCS with valuable resources such as compliance testing throughout the life of a loan application, ensuring accuracy and proper disclosure. Operations & Technology Processors, Underwriters and Closing Department staff all rely upon Encompass360 to guide them in their daily responsibilities as the loan moves towards closing and funding. Managers are able to closely monitor the current status of a loan using the system and are able to quickly identify any issues that might cause a delay in the process, following up with swift, support and, helpful advice for the staff to resolve any problems. Managers have an at a glance view of individual pipelines and workloads. Encompass360 allows for work sharing throughout all of our branches so if one branch is in need of assistance other branches can provide that assistance readily. Through the use of the InlineEd Compliance Management System, all MCS employees are provided with thorough training as they are required to review annually modules and tests designed to keep the entire company informed on important industry related topics such as Anti-Money Laundering, Fair and Responsible Lending Training, ECOA, HMDA, RESPA and other such subjects. In addition, the InlineEd Compliance Management System becomes a central storage point for all company policies and procedures which provides all employees with a go to starting point when questions arise pertaining to how we operate as a company.

Available Products and Programs Offered at MCS MCS offers a wide variety of mortgage products and programs tailored to meet the needs of our customers and business partners. You will find that we offer highly competitive interest rates for our mortgage loan products as well as low closing fees! Conventional Conforming Lending FNMA and FHLMC (Fannie Mae/Freddie Mac) Fixed Rate (10-30 Year Terms) Adjustable Rate Mortgages (3/1, 5/1, 7/1, 10/1 ARMs) Cash-out transactions Interest only option available FNMA DU Refi Plus FNMA FLEX 97 & My Community FHLMC Home Possible Conforming High Balance Loans, also known as Jumbo Conforming USDA Rural Housing Development Conventional Non-Conforming (Jumbo) Lending Loan amounts up to $10,000,000 Fixed Rate (15, 30 Year Terms) Adjustable Rate Mortgages (5/1, 7/1, 10/1 ARMs) Interest only option available Eligible property types: SFR, PUD, co-ops, condo and 2 unit property Cash-out transactions for primary residence Foreign National Loans Pledged Assets Non-warrantable condos Competitive Loan to Values (LTV) HomePath FHA Federal Housing Administration Direct Endorsement (DE) Underwriters in house FHA 203(b) Basic (Purchase, Refinance, Streamline, Cash Out) FHA 234(c) Condominium FHA 203(k) Rehabilitation FHA 203(k)s Streamline Rehabilitation Adjustable Rate Mortgages (3/1 and 5/1 ARMs) Wholesale Investors MCS offers a number of wholesale investor relationships offering various super jumbo loans to small lines of credit. Products & Programs

Social Media From Social Media updates to a traditional CRM solution, our innovative marketing team at MCS will help you reach and develop marketing campaigns to reach referral partners near and far. Effortlessly grow your business and expand your reach by utilizing social media as a part of your daily routine for your business we know how to make it work. Connect with MCS via Social Media Channels! Facebook www.facebook.com/mcsmortgagebankers The MCS marketing team will coordinate in customizing a Facebook Fan Page for every loan officer and manager to develop a consistent referral base. LinkedIn www.linkedin.com/company/1560645 Join MCS LinkedIn Group to connect with other MCS employees and business partners and subscribe to our company page for the most recent updates and news! Twitter www.twitter.com/mcsmortgage Follow us on Twitter for the latest company updates! Social Media

Marketing Solution Overview Marketing Solution via Vantage Integrated Production (VIP) The Vantage Integrated Production (VIP) system is a versatile customer relationship management (CRM) system designed to support your increasing needs with lead optimization, call management, marketing, recruiting, business development and client services tools. What should you expect from the rollout? Here s a brief outline of the system functionality built to address your specific needs: Vantage Marketing will help you deliver the right message to our prospects, clients, business partners and recruits. You will gain control over your marketing campaigns through customized content. You will have access to hundreds of pieces in the Vantage Content Library: fliers, customized letters, seasonal greeting cards and/or images that are personalized with your name, photo and contact information. The Vantage CRM is an automated marketing service to drive your business forward in today s market. Explore the new technologies and sales channels which provide tools to help you drive your business forward. The system is designed to take leads, contacts, borrowers, partners, and loan information and then use it real time to ignite sales and marketing through automated communications. The VIP Campaign will give you options for added flexibility in marketing campaigns: Push, Drop and Fixed Dates. The different campaign options will allow you to either automatically trigger content on a set of defined dates in intervals and/or manually release (push) content as you see fit. The fixed date campaign is a perfect mechanism for all time sensitive pieces, such as Holiday or Birthday greeting postcards. Sending a personalized gift is a great way for loan originators to show appreciation to their clients for working with them. Vantage Integrated Production system has a feature built in to create one-time sends to be delivered to clients after their loan has closed. This can be used by anyone subscribed to this package. Are you READY to find out more? Marketing

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