“You can have everything in life you want, if you will just help other people get what they want.” - Zig Ziglar

Business Models For This DecadeBy: COLLEEN OLIVAS & TEAM

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Bay Equity Home Loans

Bay Equity Home Loans

• Bay Equity is a full-service retail mortgage lender. Founded in the heart of San Francisco’s financial district in 2007, the company recently moved to new corporate headquarters in Sausalito.

• Bay Equity Home Loans currently has branches in 30 states and is expanding across the nation. In addition to its retail branches, the company has corporate and operations centers in Concord and Sausalito, CA, Denver and Grand Junction in Colorado, Lake Oswego, OR and Everett, WA.

• Bay Equity is family owned and operated. The company is a long time supporter of the Warrior Foundation-Freedom Station, donating a portion of the proceeds from each FHA and VA loan funded.

• Bay Equity has hired accomplished mortgage and financial professionals at all levels and has proudly assembled a highly experienced staff of corporate executives and operations professionals.

• Fannie, Freddie and Ginnie Mae Direct

• Jumbo Delegated correspondent Lender

Robert & Colleen Olivas

Robert Olivas - NMLS: 271447

As a Mortgage Lender for the past 25 + years based in Southern California, I was the president and CEO of a mortgage firm with 9 offices in Washington, Oregon and California and through the years, I have been privileged to help 1000's of clients obtain a piece of the American Dream.

I am now a member of the NAHREP LA board of directors, and the immediate past President of R.E.S.C.U.E Inland Empire, two of the real estate's most influential and important organizations that emphasize the highest ethics and moral standards in the industry.

I am also a member of CAMP,NAMB , AREEA,NAHREP LA, NAHREP OC ,NAHREP Socal, CAR, NAR, CVAR and NABBI.

Colleen Olivas – NMLS 379721

Extraordinary results come from extraordinary expertise. With nearly two decades of experience in originating loans, as well as a vast array of accreditations -- including CalFHA certified, FHA DE certified and a member of NAHREP and CAMB -- Colleen Olivas has built a venerable career by always putting her clients first through her unwavering commitment to meet and even exceed their goals. In addition to her experience in all aspects of the loan process, Colleen's knowledge and drive enable her to provide a streamlined and stress-free process from beginning to end and beyond. There's nothing she won't do to help her clients succeed.

Colleen Olivas & Team

Michael EsparzaNMLS: 951572

With the knowledge to get any deal done and the tireless effort to see it through, Michael Esparza passion in helping clients is evident in all that he does to ensure they get the most out of

the loan process -- routinely working after hours and on weekends to help bring families homes faster. As a consistent top performer, month after month, Michael's rare ability to effectively educate clients from consultation to closing helps

generate a smooth and rewarding escrow for everyone involved, while his tireless effort and customer care make for a

truly privileged experience.

Betty TrejoNMLS: 1166207

With over 35 years of experience in customer relations, Betty Trejo's high level of service provides every client with the support

they deserve. Combined with her unparalleled analytical and problem solving skills, Betty's highly motivated, honest, and

persistent work ethic allows her to maximize her client's goals and expedite the loan process. Best of all, Betty's experience in

structuring all types of loans -- from FHA, VA, Conventional Conforming and JUMBO to Second Trust and Refinances --

affords her loyal clients the confidence to reach their dreams while making the process as exciting as the results.

Eileen UrbinaNMLS: 1166207

Commitment to service has been my motto. I have been originating loans for over 10 years and in the real estate

business for over 20 years. With the many years of experience in many different aspects of the business,

this allows me to understand what my clients needs are whether they are first time buyers or selling to move up/down. I continually educate myself to be aware of

industry changes and to be aware of any new programs that become available for my clients. My goal is to keep

my clients 100% Satisfied.

Service. Systems. Get “It” Done

Loan Products & Service

Loan Products and ServiceBay is committed to providing your clients with a vast array of loan products delivered on time and as efficient as

possible.

As a direct lender and broker we offer competitive rates on loan products and continuously add loan products to our banked options. We also broker loans to complete our service to your clients who fall outside of our banked guidelines.

Our Underwriter is local – right here in our office. We can just go down the hall to get answers on your deals!

Prospect Campaigns & Lead Generation

Co-Branded Home Buyer Prospect Campaigns – Our prospect campaigns are created by top mortgage professionals to provide your prospects with knowledge and value - keeping your prospect connected to you and your Loan Officer.

Credit Monitoring for key credit events allowing you to reach out to your client and prospect database with valuable information and with key timing!

The Ultimate Open House ExperienceLet us show you the best way to gather more prospects at open houses using Bay’s Ultimate Open House Experience.

In Process Notifications

Keeping you and your client in up to date on the status of your transaction.Triggered emails and video’s to your clients so they are always up-to-date on their loan transaction progress.

Triggered emails to Selling agent and Listing agent throughout the process –keeping everyone up to date on every milestone in the process.

Whether you’re a first-time home buyer, seasoned investor or real estate professional, we are devoted to adding confidence, clarity, and certainty to your biggest investments. By utilizing cutting edge technology,

yet never losing that personal touch, we’ve established a space that’s truly the best of both worldsand the ultimate in Service and Value

BAMM - Prospect Campaign Opportunities

We have auto-campaigns available for co-branding with your purchase prospects. Keeping your name in front of your prospects until they are ready to make a purchase. Our Homebuyer prospect campaign includes postcards, emails and phone calls.

Coming Soon our partnership will be able to add your clients to our credit reporting monitoring system!

Our Lender/Realtor Partnership Agreement

A $35.00 contribution from our Realtor Partners covers a lifetime of co-branding to old and new clients over the next 3 years and beyond. The ONE-TIME fee is required to meet RESPA requirements but will cover all co-branded marketing. All other costs including print and postage expenses will be covered by Bay Equity and your Loan Officer Partner.

Please note this is not $35 per client. This is a one time charge with unlimited prospects and clients!

About a $1 a month!

In Process Campaign – Keeping Your Clients Informed

Welcome Email and

Video

Contract Received Email

Appraisal Ordered Email

and Video

Appraisal Received Email

Underwriting Approval Email

and Video

Pre Close Utility

Reminder Email

Pre Close Junk Mail Warning

Follow-up Closing Email

and Video

Soon Available for Co-Branding with our Realtor

Partners

3-Year Client Retention Program

Challenge – you have just closed on the largest purchase most consumers ever make – their home. What can you do to ensure each client feels as valued three years from now as they do today?

Solution – effective immediately CalPacific, a division of Bay Equity Home Loans is making our 3 year 55 touch Client Service Program available to our Realtor Partners. Since we teamed together on the transaction, let’s team together to address your clients over the long term!

3-Year Client Retention Program

Monthly E-Newsletter ǀ Greeting Cards ǀ Postcards

Lender Inquiry – Let’s us know when any Lender has inquired into your customers credit.

Credit Migration –Let’s us know when your unqualified client becomes qualified.

Predictive Monitoring –Determines the things a customer does 90 days prior to Buying and Selling and triggers these clients.

Bay Equity – Data Miner

Turning Leads into Prospects and Prospects Into BuyersCREDIT MONITORING – we help you focus your Marketing Efforts on the

Clients who need you!

Property Flyers ǀ Co-branded Product Flyers

LIST REPORTS

Realtor received their own branded website & Realtor Portal (create your own!)Open House Retention Strategy's

FLOIFY Secure Online Document Portal

Big Purple Dot - CRM

Follow up Follow Through Borrower Insights

CORPORATE CARE

• LO becomes preferred lender for a small to medium sized business

• Discounted fees and services to employees

• White label or Bay Equity web page

• Custom marketing materials

• LO notified of all applications from web site

• Can be Co-Partnered with a real estate professional

“Giving To Heroes”

Giving Back to our Community Heroes

Social Media Exclusive to all preferred agents.

We will show you how to:

• Brand on Social Media• Boost Post and Video• Get likes on your business page• Schedule Post / Gather Content• Advertise your Listings and Open Houses• Message Potential Buyers• Build your likes with out having to pay

Monthly Trainings / 1 and 1 Support

FACEBOOK ADS

Another tool to generate more leads

• Post your listings on our Facebook page• Run Ads to promote your video • Learn how to capture leads at a cheaper cost

then Zillow, Truila, Reator.com and Redfin

FB AD’s can be from as low as $1.00 a day to $100+ a day you choose and will set it up…

Down Load Our Team APP

We just don’t do loans.WE CARE ABOUT OUR COMMUNITY

Team Contact Information

O f f i c e : ( 8 8 8 ) 8 9 0 . 6 0 8 7 F A X : ( 9 0 9 ) 4 8 4 . 7 7 7 3

8 5 9 9 H A V E N A V E N U E # 3 0 3 , R A N C H O C U C A M O N G A , C A 9 1 7 3 0

Robert Olivas Nmls:271447 Direct: 909.697.9733 Email: Rolivas@bayeq.com

Colleen Olivas Nmls: 379721 Direct: 909.697.9684 Email: Colivas@bayeq.com

Michael Esparza Nmls: 951572 Direct: 909.568.4955 Email: Mesparza@bayeq.com

Betty Trejo Nmls: 1166207 Direct: 909.234.0213 Email: Btrejo@bayeq.com

Eileen Urbina Nmls:343453 Direct: 626.926.0420 Email: Eurbina@bayeq.com

Alexis Portillo Loan Assistant Direct: 909.944.8800 Email: Aportillo@bayeq.com

Sarah Esparza Marketing Ninja Direct: 909.944.8800 Email: Sesparza@bayeq.com

Equal Housing Lender. This is not a commitment to lend or extend credit. Restrictions may apply. Rates may not be available at time of application. Information and/or data are subject to change without notice. All loans are subject to credit approval. Not all loans or products are available in all states. Bay Equity LLC, 100 California Street Suite 1100, San Francisco, CA 94111-4561; NMLS ID#76988. Loans will be made or arranged pursuant to Department of Business Oversight California Finance Lenders Law License #605-3919; Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act- #4150077; Arizona Mortgage Banker License #0910340; Hawaii Mortgage Loan Originator Company License #HI-76988; MBL-7852 Idaho Mortgage Lender Broker License; Montana Mortgage Lender License #76988; Nevada Mortgage Broker License #3918.; New Mexico Lender License #76988; Licensed as a Mortgage Lender by the Oklahoma Department of Consumer Credit. NMLS# 76988; Oregon Mortgage Lender License #4845; Texas SML Mortgage Banker Registration #76988 Texas Mortgage Banker Disclosure: http://bayeq.com/forms/linked-documents/Pursuant-1.pdf ; Utah DRE Mortgage Entity #7953347; Washington Consumer Loan License #CL-76988; NMLS ID#76988; Colorado Mortgage Company Registration #76988. Regulated by the Division of Real Estate.

http://bayeq.com/forms/linked-documents/Pursuant-1.pdf

NMLS consumer access: www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/76988

BEHL-141023-1.1

We are a get Sh*t Done Lender.

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