RMF Recruitment Presentation/White

RMF Recruitment Presentation/White

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The right people

With the right support

Doing the right thing

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Helping Homeowners and Colleagues Achieve Their Goals

Reverse Mortgage Funding LLC (RMF) is dedicated to helping older adults retire more freely, by offering innovative, competitively-priced products to meet their financial needs.

We’re also looking for like -minded people to help us achieve that goal: seasoned professionals who appreciate the support of an innovative company focused solely on reverse mortgage loans. Like you, we respect the important role that adult homeowners play in our society. Together, we’ll help improve their quality of life through our continued focus on product innovations and service excellence.

Join us on the leading edge of tomorrow’s reverse mortgage industry.

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Table of Contents

Join Our Winning Team An Industry Leading Team Behind You Hit the Ground Running The Importance of Financial Advisors A Strategic Leader: HECM for Purchase Cutting-Edge Technology Training to Maximize Your Talents Best-in-Class Marketing Resources Comprehensive Competitive Compensation The Opportunity For Growth Questions

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Join Our Winning Team

We’re proud to continually earn high praise from our customers: One of the nation’s top reverse mortgage lenders Number of Employees: 400+ (as of 5/2020) Servicing Oversight: More than 84,000 loans (as of 5/2020) Check out our reviews at trustpilot.com/review/reversefunding.com

Trust Pilot May 2020 LendingTree May 2020 BBB Rating May 2020

© 2019Reverse Mortgage Funding LLC. NMLS ID # 1019941.NOT FOR FURTHER DISTRIBUTION.

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RMF and Starwood Capital Group

In November 2019, it was announced that RMIT is in the process of being acquired by Starwood Capital Group, a global private investment firm that is focused on real estate. Starwood has been an innovator in non-agency mortgages, helping grow the industry into the success it is today. As a part of the Starwood Capital Group, we will have a unique ability to develop new product lines and create strategic relationships within the Starwood family of companies. The acquisition by Starwood requires regulatory approval and is slated to be completed later in 2020.

Our mission is to create the nation’s largest lending institution focused on the needs of older Americans. Together, we will build a portfolio of home financing solutions suited for those retired or approaching retirement.

© 2018Reverse Mortgage Funding LLC. NMLS ID # 1019941.NOT FOR FURTHER DISTRIBUTION.

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RMF’s Core Values

Core Values Customer Focus

Continuously evolving our products and approach to suit our customers’ needs in order to consistently exceed their expectations. Ongoing reinvention that aligns with the best interests of our customers and our stakeholders. Unwavering commitment to the highest moral and ethical standards in order to earn and maintain the trust of our customers and colleagues. Products, services, pricing, and experience delivered in a demonstrably advantageous way. Clarity of vision and purpose to deliver on our promises to our stakeholders, ensure our success, and promote positive industry change.

Innovation

Integrity

Value

Leadership

“ We have been unwavering since day one in practicing what we preach, which is our employees are our most critical stakeholder. Simply put, we care about our people.” Craig Corn Chairman & Chief Executive Officer, RMF

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An Industry Leading Team Behind You Our leaders have long been a driving force in this business, and have made major contributions to the industry. Which makes us uniquely qualified to continue implementing ideas to make it better. Led by executives who average more than 20 years of experience in building and growing firms in the industry, RMF became a premier reverse mortgage provider — and the employer of choice for best-in-class reverse mortgage professionals — by continuously innovating in product, process, and technology.

“With my focus on H4P, I need an operations team that’s experienced and cares as much as I do about every homebuyer — I have that here at RMF. The executive team is committed to helping loan officers increase their business, and making this useful financing option available to more homebuyers.” Julie Didyoung HECM Loan Specialist

© 2019Reverse Mortgage Funding LLC. NMLS ID # 1019941.NOT FOR FURTHER DISTRIBUTION.

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An Industry Leading Team Behind You

Craig M. Corn , Founder, Chairman & Chief Executive Officer – Craig founded RMF in 2012 and its parent company, Reverse Mortgage Investment Trust, in 2013. Prior to that, he held executive leadership positions in the reverse mortgage industry with MetLife Bank, EverBank, BNY Mortgage Company, Financial Freedom Senior Funding Corporation, and Lehman Brothers. Along the way he’s developed groundbreaking proprietary reverse mortgage products. David Peskin, President – David is responsible for RMF’s origination activities. Through his leadership and insight, RMF grew from a startup to one of the nation’s largest lenders in five short years. Today, RMF is the nation’s largest GNMA issuer, and has market share of 42% based on new whole loan issuance amount (source: GNMA, as of 1/2019). David previously, as CEO, grew Senior Lending Network into the largest independent reverse mortgage company through retail and wholesale. He served on the NRMLA Board of Directors 2006 – 2012. Timothy Isgro, Chief Investment Officer – A Chartered Financial Analyst, Tim has been CIO of Reverse Mortgage Investment Trust (RMIT), our parent company, since its 2014 private offering. Previously, he was a director and portfolio manager with PNC Financial Services Group, managing the bank's reverse mortgage portfolio and performing analysis and modeling for its securities portfolio. Prior to that he was Vice President and Research Strategist with Bank of America Merrill Lynch.

© 2019Reverse Mortgage Funding LLC. NMLS ID # 1019941.NOT FOR FURTHER DISTRIBUTION.

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An Industry Leading Team Behind You

Michele A. Zachensky, Chief Risk Officer – Michele developed and oversees the company’s enterprise-wide risk management program, encompassing all business segments. Earlier in her tenure, she was RMF’s Operations Executive. Previously, she was VP of Operations for MetLife Bank’s reverse mortgage division, where her group was honored as one of American Banker’s Top Five Banking Teams. Jean Noble, Chief Marketing Officer – Jean is a seasoned marketing and sales strategist with 20 years’ experience in the mortgage and financial services industries. Having created and refined several national campaigns, Jean has helped to improve the bottom line by focusing on efficient and innovative lead acquisition strategies. She is a former member of the NRMLA Board of Directors from 2010 to 2013 and served as head of the industry’s public relations committee (2013).

© 2019Reverse Mortgage Funding LLC. NMLS ID # 1019941.NOT FOR FURTHER DISTRIBUTION.

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An Industry Leading Team Behind You

Patrick Lambrecht, Retail Operations Leader – Patrick has been with RMF for 5 years and has been instrumental in the development and build out of the Retail Infrastructure including: Staffing, Polices & Procedures and system requirements. As Retail Operations Leader, Patrick is responsible for overseeing the day to day operation for the Distributed Retail, Consumer Direct, and Turnkey Channels. This includes the management of the Intake, Loan Processing, Closing/Funding, Postclosing/Inuring and Condo Project approvals. Prior to joining RMF, Patrick was Vice President for Security 1 Lending. Before that, he was Director of MetLife Bank’s Retail Operations, and Assistant Vice President at World Alliance Financial Corporation. Craig Barnes, CRMP, Education Leader – A Certified Reverse Mortgage Professional (CRMP), Craig has more than 20 years of training experience, including more than a decade in the reverse mortgage industry. He is responsible for training all company associates and business partners across all business channels. Prior to joining RMF, he was a Director and Partner Experience Manager at Reverse Mortgage Solutions. Before that, Craig was a training manager at MetLife Home Loans, a Division of MetLife Bank, N.A. Previously he was a training consultant for companies such as JP Morgan Chase, Goldman Sachs, and Port Authority of NY and NJ. Craig is a Development Dimensions International Certified Master Trainer and he holds a Bachelor’s degree in Business Education. He is also a member of NRMLA's Independent Certification Committee.

© 2019Reverse Mortgage Funding LLC. NMLS ID # 1019941.NOT FOR FURTHER DISTRIBUTION.

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Your Sales Leaders

Richard Thorpe, National Sales Leader, Distributed Retail Richard’s sole responsibility is to support the origination and marketing efforts of our loan officers. Unlike other firms, we do not ask Richard to be a producing manager, so he can devote all of his time and effort to supporting the sales team. With 28 years in the mortgage industry — the last nine in reverse mortgages — Richard knows the business inside out, and has a strong and successful track record. Prior to joining RMF, he was East Coast Vice President at Security One Lending. Previously, he was the Northeast Area Sales Manager for MetLife Bank’s reverse mortgage division, and National Sales Manager at EverBank Reverse Mortgage.

“Richard has the full authority to make important decisions, including pricing. We want fast decisions and a direct line of communication to our reps.” David Peskin President, RMF

© 2019Reverse Mortgage Funding LLC. NMLS ID # 1019941.NOT FOR FURTHER DISTRIBUTION.

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Your Sales Leaders

Vanessa White Eastern Regional Sales Manager, Distributed Retail

With more than 20 years of experience in the reverse mortgage industry, Vanessa prides herself in helping people age 60+ maintain their quality of life by using reverse mortgages as a financial tool to help them achieve the retirement they deserve. She is a longstanding, active member of the NRMLA nationwide State and Local Committee, and the Financial Planning Association of New Jersey. Vanessa is a licensed continuing education (CE) instructor providing training and CE credits for Realtors, CFPs, CPAs, and insurance agents.

Geoffrey Wallace Western Regional Sales Manager, Distributed Retail

A seasoned mortgage professional with over 24 years of lending experience, 18 of which have been specifically focused on the reverse mortgage industry, Geoffrey has held leadership positions with many of the industry’s leading financial institutions including Wells Fargo, Countrywide and Bank of America. Throughout his career, he worked in various executive-level positions, demonstrating the ability to meet aggressive profitability and growth goals. Geoffrey, who is licensed in CA and NV, has a proven track record of successfully leading and managing large teams, mentoring individuals and developing top industry talent.

© 2019Reverse Mortgage Funding LLC. NMLS ID # 1019941.NOT FOR FURTHER DISTRIBUTION.

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Hit the Ground Running: The RMF Jumpstart Program

This comprehensive program is designed to help you start writing loans as soon as you meet applicable licensing requirements. On Day One, you’ll receive:

Assistance with licensing transfers Concierge support so that you can originate right away Dedicated sales support reps to assist you, so you can focus on what you do best Printing and fulfillment services that deliver materials to you when you need them A marketing budget advance , to use as you see fit on your own marketing efforts A personal laptop , loaded with all the software you’ll need to get started Your own personalized Website Access to a library of pre-recorded training webinars Qualified leads through our CD2DR Program to grow your business out of the gate

© 2019Reverse Mortgage Funding LLC. NMLS ID # 1019941.NOT FOR FURTHER DISTRIBUTION.

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Hit the Ground Running: Our Cutting Edge Lead Generation Program

With the blending of the CD and DR channels, we’re giving our loan officers a competitive advantage in the marketplace, and expanding consumer access to the in-person guidance they want and need.

2. Call screeners answer the call within 90 seconds.

1. Inbound Leads

3. Licensed Loan Officers located in our call centers pre-screen and qualify the lead and sets the appointment.

4. Our local sales rep attends the appointment.

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Thoughts on the CD2DR Program

“RMF has a joint lead program with the inside LO’s that I have never seen before. We partner with the inside call center reps and they send us out on appointments. This has been very successful, and we work together as a team! Leads really like the face to face interaction since we offer to sit down with them and make sure that they understand everything and help them to feel comfortable with the process and RMF! This program is phenomenal and getting better all the time.”

Evelyn Seidman Reverse Mortgage Specialist

© 2018Reverse Mortgage Funding LLC. NMLS ID # 1019941.NOT FOR FURTHER DISTRIBUTION.

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The Importance of Financial Advisors

We recognize the importance of financial advisors and have built platforms that will not only support you but help you grow your partner network. Ground breaking online educational platform, the Retirement Experts Network , where we host monthly webinars for financial advisors featuring national experts and topics from Social Security strategies to tax planning. The webinar series, which also offers continuing education (CE) credits to CFPs®, has drawn over 65,000 financial advisors nationwide. B2B lead generation platform , we c onstantly look to grow our network of Financial Advisors. Our goal is to educate and then assign these important influencers to our DR loan advisors.

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The Importance of Financial Advisors

An exclusive relationship with MoneyGuidePro , a leading financial planning program that serves over 50,000 financial planners. A supply of marketing materials tailored to financial advisors and their clients, including PowerPoints, brochures, flyers, whitepapers, etc. Continuous training and sales tools, such as a powerful FactFinder , for use as a guide on how to talk to a financial planner and also how to qualify ideal planner partners. A pricing model and compensation structure that provide us with a unique advantage when targeting financial planners.

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A Strategic Leader – HECM for Purchase

We have several industry-leading HECM for Purchase resources and strategies that can help you expand your customer base and cultivate lead-generating relationships with builders and realtors.

A wealth of first-rate, customizable marketing materials — both print and digital, including seminar kits.

A proven implementation program that makes it easy for builders and realtors to integrate the HECM for Purchase option into their existing sales and marketing business platform. The most efficient fulfillment team in the industry — which means that there is a quicker turnaround time for getting HECM for Purchase loans processed.

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A Strategic Leader – HECM for Purchase

Individual loan officer microsites with a section specifically on using a HECM to buy a home, featuring a video and examples of cash required based on age and purchase price. Our proprietary product Equity Elite is a powerful tool when marketing in this space ꟷ with lower closing costs, seller concessions and higher loan amounts , Equity Elite appeals to so many borrowers. A HECM for Purchase certification training program that gives access to additional support and enhanced HECM for Purchase marketing opportunities, including company-sourced leads and the ability to participate in RMF’s Joint Realtor Marketing Program.

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Cutting-edge Technology That Makes Your Job Easier We know that your ability to excel is greatly enhanced by having strong technology. That’s why we strive to offer state-of-the-art technology like our loan origination system, Tango Reverse ™ — which provides powerful technology designed to make your job easier and help you close more loans.

It automatically calculates compensating factors — including asset dissipation and hypothetical debt payoff — so you can discuss with a borrower, plug in the information, and get answers to key questions instantly. It’s web-based — so you’ll always have the latest products and rates at your fingertips! As RMF’s own proprietary system , we are constantly making enhancements to ensure an ever-better experience for you.

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Cutting-edge Technology That Makes Your Job Easier

Within Tango Reverse is LQ, the industry’s FIRST reverse mortgage loan qualification engine .

This highly intelligent, easy-to-use tool gives you the power to instantly do a preliminary assessment of a customer’s eligibility: User-friendly dashboard for >Page 1 Page 2 Page 3 Page 4 Page 5 Page 6 Page 7 Page 8 Page 9 Page 10 Page 11 Page 12 Page 13 Page 14 Page 15 Page 16 Page 17 Page 18 Page 19 Page 20 Page 21 Page 22 Page 23 Page 24 Page 25 Page 26 Page 27 Page 28 Page 29 Page 30 Page 31 Page 32 Page 33 Page 34 Page 35 Page 36 Page 37 Page 38 Page 39 Page 40 Page 41 Page 42 Page 43

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