Motivation like no other!

1. Motivation like no other! Mortgage Tree Lending www.odenza.com

2. Motivation is Discretionary! • Fortune 500 company experience confirms the old adage… • It’s the 80/20 thing – eighty percent of solid brand performance, employee energy, even ROI, is derived from roughly 20% of their employees • Business goals remain consistent…innovation, better ROI, increased sales, market share growth, stronger brands, improved net income per employee and lower costs

3. Mortgage Tree Lending Situation analysis • Increasing competition from many lenders, trust companies and credit unions, especially for new business • Long term buyer loyalty is harder to secure • Internet comparison ‘shopping’ for best mortgage rates is a given • Consumers are expecting incentives for their business • Widespread use of similar incentives as closing tools in the industry is eroding brand/institution differences • North America is experiencing some of the busiest real estate activity in years The pressure is on to capture more of these new buyers!

4. Why Choose Travel? • Travel has the highest ‘perceived value’ for time-challenged consumers • Unlike cash or discounts rewards, travel is not redeemable against past or current debts • Unlike ‘hard goods’ which can be price-compared with ease, travel has a value to the user that is immeasurable • In a world of stressed-out, overworked consumers, the lender that offers a vacation respite as a reward, gains huge advantage • Some customers will be undertaking large financial commitments forsaking a planned vacation, an opportunity waiting to be leveraged.

5. Solutions for Mortgage Tree Weekend Retreat: • 4 Days and 3 Nights Hotel stay at over 500 locations throughout North America • Rebate certificate worth $150 to extend your stay, activities and attraction passes • Dinner Certificate worth $50 • National Golfers Membership • Discount America Membership Package price $ 519.00

6. Solutions for Mortgage Tree ShowTime… and Entertainment: • Choice of theatres, shows or sporting events • 3 Day 2 Night hotel stay in over 500 locations • Rebate certificate for extended stay and activities • National Golfers Membership • Elite Ticket Club Membership Package Price $ 489.00

7. Solutions for Mortgage Tree Ports of Paradise Cruises: • Up to a 5 day Carnival cruise departing from a choice of 6 ports • Welcome Aboard party, Captain’s Cocktail Party and Dinner, • All inclusive activities on board, night life and 24/7 fabulous food and more Package Price @ 509.00

8. Odenza Delivers! • Has been in business for 7 years • Odenza is a rewards and motivation company dedicated to driving performance and consumer purchasing • Custom and/or branded vacation incentives • Has a fully integrated accredited in-house Travel department • 80% of Odenza’s revenue is generated from repeat business • Odenza’s client list includes Fortune 500 companies like Microsoft, General Motors, Intrawest and State Farm • Has offices in San Diego and Vancouver

9. Odenza Promotion Support! • A full kit of on-site promotions materials • Kit could include: Posters Table Talkers Be-Back Cards Brochure Certificates Customized POP also available • Coaching and scripting for brokerage staff • Optional branded web site and URL address to showcase customer rewards and support one-stop registration

10. Odenza Support Materials

11. Odenza Solutions • As varied as Odenza’s client list, from Fortune 500 companies like Microsoft, General Motors, Intrawest and State Farm, are the solutions that Odenza can build for its clients. • Essentially our Incentive programs divide themselves into 4 categories: • Promotional Incentives • Consumer Packaged Goods • Corporate Incentives • Performers Conventions

12. Odenza Solutions cont:Promotional Incentives – discount travel packages to raise awareness short-term brand and sales…. Jewelry Retailers: Goal – to position their business competitively and reinforce brand point-of-difference Solution - offer a promotional Honeymoon Cruise with the purchase of engagement and wedding ring sets Results - increased sales and improved market share

13. Odenza Solutions cont: Consumer Packaged Goods – strategies to build incremental revenue and entrench brand loyalty Through the use of discount coupons against a travel reward Bottled Flavored Spring Water Goal – to significantly increase brand profile and reinforce purchase loyalty Solution – offer a variety of under-the-cap discount coupons towards vacation travel Results – innovative POP created strong purchase patterns, the brand platform was enhanced

14. Odenza Solutions cont: Corporate Incentives – individual reward programs directed to performance improvements e.g. mortgage brokers, department managers, senior staff International Multi-Line Insurance Company Goal – recognize and retain loyalty of employees, retiring under a restructuring program Solution – offer departing employees a high perceived value experience in the form of a vacation, including family members Results – maintained retired employee loyalty and referral rate goals

15. Odenza Solutions cont: Performers Conventions – combined recognition and corporate networking for top producers, brand owners, agencies and stakeholders International Hair Care Products Supplier Goal – reward top performers, agencies and stakeholders in combination with a semi-annual convention gathering Solution – build a captive setting to combine luxury travel with corporate objectives on a 7-day Carnival cruise Results – employee performers motivation at all-time high, far greater success in convention effectiveness as a result of ship-board presence of all stakeholders

16. What Type of Results does your business want to achieve? Odenza office hours are PST 7am-4pm Mon to Fri. Michael Mayer Email: mmayer@odenza.com Web: www.odenza.com Phone: 604-451-1414 ext 222 or call toll free 1-800-451-7245