Employee-Owned and Managed Mortgage Banker Status Superior Customer Service

2. Mason-McDuffie Mortgage Corporation is a leading originator of residential real estate loans through our network of retail offices. The Company, headquartered in San Ramon, California, is licensed in multiple states and has a rich history in real estate lending since 1887 • Employee-Owned and Managed • Mortgage Banker Status • Superior Customer Service • Strong Industry Relationships • Competitive Advantages • We Close Loans Fast • Full Service Loan Officer Support • Successful History of Operation • Credentials: • Fannie Mae Direct Lender • Freddie Mac Direct Lender • Ginnie Mae Approved Issuer • FHA-DELRAP Approved Lender • Multiple investor sources through correspondent channel

3. SupportThat Grows Your Business – Prime Services Group Technology & Training Concierge technology services that help simplify and grow your business. • Password-protected online application for clients • Personalized training and support • FleXApp 1003 for taking online applications • FleXApp 1003 and electronic documents protected by a 128bit SSL connection • Mortgage CRM • Laptops • Personal landing page • Social media tools Marketing We strive to make the transition smooth and seamless, so you can hit the ground running and not experience any downtime in your business. • Easy conversation of your past client and referral source databases • Personal announcement letters and emails to past clients and referral sources • Press release to local business periodicals • Your personal information pre-loaded into our online flyer program • Customized mortgage program collateral for clients and referral sources • Customized real estate agent and builder marketing materials • Customizable direct mail templates • Email marketing campaign templates

4. Rewarding Those Who Excel We believe in acknowledging and rewarding our top producing loan officers While numerous other lending institutions no longer offer top production designations and incentives, we acknowledge our achievers in tangible ways. One of the crowing benefits is an annual weekend getaway where our President’s Club members and their guest can relax and network with other top producing loan officers. • Other President’s Club Advantages: • Key role in our summit Council • Opportunity for stock purchase • Special marketing with the President’s Club seal • Participation in the annual awards dinner with the president of the company • Awards and recognition from the company that are publicized to the community Tahoe Summit Our annual summit in Lake Tahoe is a way for our top-producing loan officers and managers to continue their success and grow their business through networking and education. • Workshops • Awards dinner • Industry insight • Guest speakers • Networking

5. True Mortgage Banker We are a Fannie Mae Direct lender, a Freddie Mac Direct lender and a Ginnie Mae Approved Issuer. We have numerous relationships with nationwide lending sources, creating a tremendous competitive advantage. • Single LOS platform that takes from loan origination through funding. • Online pricing engine shows all available options and all available prices. • 24 hour access to loan documents through our paperless environment. • Real-time market movement updates and weekly capital market updates. • Scenario desk to help you identify solutions to even the most complex loan scenarios. Core Beliefs • Treat our loan officers as the customer and our most important asset. • Be guided by integrity to serve our loan officers and career satisfaction • Provide an environment that fosters professional growth and career satisfaction • Remain flexible and adaptable to meet the needs of an ever-changing market. • Maintain an open door policy to senior executives and management for feedback and ideas • Invest in technology to enhance everyone’s ability to perform most efficiently and with a competitive advantage.

6. Our Leadership Herb Tasker - Chairman As Chairman, Herb Tasker led the team that founded the third iteration of Mason-McDuffie Mortgage in 2005, bringing a historic name back into the real estate market place.  The first Mason-McDuffie Mortgage was founded in 1887.  His involvement with Mason-McDuffie Mortgage dates back to the 1970s and he served as Chairman and CEO from 1982-1984. Marilyn Richardson – President & CEO Marilyn Richardson is an experienced mortgage professional and one of the founders of Mason-McDuffie Mortgage Corporation. She oversees the day-to-day operations of the company and serves on the Board of Directors. Jack Radin – Chief Financial Officer Jack Radin has served as a senior financial executive, as well as senior capital markets officer with several types of financial services firms.  Mr. Radin began his mortgage banking career at the original Mason-McDuffie Mortgage Company in 1980.  Bill Godfrey – EVP Capital Markets Bill Godfrey is an accomplished mortgage professional with many years of experience in senior management positions. Mr. Godfrey directs the company’s activities in capital markets and risk management.

7. Berkeley (Circa 1900) Berkeley (Circa 1920) Berkeley (Circa 1940) Berkeley (Circa 1970) San Ramon (Present) Our ValuesWhen Mason-McDuffie Mortgage was established in 1887, its founders were guided by core principles centered on serving customers with committed employees. During our more than 125-year history, these core principles have formed the heart of who we are today. Our CultureOur employees are our number one asset. To recruit and sustain a team of the best and the brightest in the lending filed, we provide an environment that fosters professional growth and career satisfaction. Mason-McDuffie Mortgage was recognized by the Bay Area News Group as a “Top Workplace” in 2012. Service – Flexibility – Teamwork – Integrity We are an employee-owned and operated company so decisions are driven by what is best for the company and its clients, not to meet demands of outside investors. Mount McDuffie Named by Sierra Club in 1951