Cross Selling:Maximizing the Relationship with your Members

April 2020

©2020 Genworth Financial, Inc. All rights reserved.

What Are Your Cross Selling Opportunities?

1Cross Selling

Are You Aware of Your Credit Union’s Complete Financial Products and Services Checking Accounts Savings Options Credit Cards Investments Consumer Loans Mortgage Lending Commercial Banking Merchant Services Digital Banking Additional Services Safe Deposit Boxes Notary Service Night Deposit Drop Boxes

Understanding Your Members Life Events

2Cross Selling

Education

Moving/ Consumer Purchases

Family StatusEmployment/Income Sources

Retirement/Estate Planning

https://www.fanniemae.com/singlefamily/uniform-residential-loan-application

3

9 pages 4 pages 2 pages 1 page

1 page

Cross Selling

URLA- Dependents

4

Minor or Dependents College Savings 529 Minor accounts Student Checking

Cross Selling

URLA- Self Employment Commercial Banking Commercial Banking Commercial Real Estate Business Loans

Merchant Services Credit Card Processing Integrated Solutions

5Cross Selling

URLA- Income from Other Sources Investments Trusts Retirement Planning 529 Advisor Options Tax Center

6Cross Selling

URLA- Assets Checking Accounts Student Military Minimum Balance with Interest Overdraft Protection

7Cross Selling

URLA- Assets Savings Options Money Market Passbook CDs Custodial Accounts

8Cross Selling

URLA- Liabilities Credit Cards Customized Secured Small Business Cards

9Cross Selling

URLA- Liabilities Consumer Loans Student Loans Auto Boat Personal

10Cross Selling

URLA- Real Estate Owned (REO) Mortgage Lending Mortgage Loans Second Mortgages HELOC

11Cross Selling

URLA- GiftsReferral Program

12Cross Selling

URLA- Additional Borrowing Consumer Loans Student Loans Auto Boat Personal

13Cross Selling

URLA- Military ServiceMilitary Specialty Products and Services

14Cross Selling

URLA- Transaction Detail Mortgage Lending Construction Lending Renovation Lending

15Cross Selling

URLA- Borrower Signature Digital Banking Online Banking Online BillPay ATMs QuickPay Options Digital Payments Wire Transfers

16Cross Selling

Genworth Rate Express®

Cross Selling 17

mi.genworth.com

Genworth Underwriting Guidelines

Cross Selling 18

mi.genworth.com

LOS Connections

Cross Selling 19

mi.genworth.com

Training Tools and Information

Cross Selling 20

mi.genworth.com

Training Tools and Information

Cross Selling 21

mi.genworth.com

Additional MI Site Information

Cross Selling 22

mi.genworth.com

ActionCenter®: 800 444.5664

Your Local Genworth Regional Underwriter

Your Genworth Sales Representative

Your Genworth Resources

Cross Selling 23

Legal Disclaimer Genworth Mortgage Insurance is happy to provide you with these training materials. While we strive for‏accuracy, we also know that any discussion of laws and their application to particular facts is subject to individual interpretation, change, and other uncertainties. Our training is not intended as legal advice, and is not a substitute for advice of counsel. You should always check with your own legal advisors for interpretations of legal and compliance principles applicable to your business.

,GENWORTH EXPRESSLY DISCLAIMS ANY AND ALL WARRANTIES, EXPRESS OR IMPLIED‏INCLUDING WITHOUT LIMITATION WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, WITH RESPECT TO THESE MATERIALS AND THE RELATED TRAINING. IN NO EVENT SHALL GENWORTH BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES OF ANY KIND WHATSOEVER WITH RESPECT TO THE TRAINING AND THE MATERIALS.

Genworth Mortgage Insurance Offers A Comprehensive Suite Of Training Opportunities To Boost Your Know-How, Benefit Your Bottom Line, And Serve Your

Borrowers Better. Visit mi.genworth.com To Learn More.

Collateral Underwriter®, Home Ready® and Desktop Underwriter® or DU® are registered trademarks of Fannie MaeLoan Product Advisor®, Home Possible®, Loan Collateral Advisor® and Home Value Explorer® (HVE®) are registered trademarks of Freddie MacActionCenter®, Homebuyer Privileges® and Rate Express® are registered trademarks of Genworth Mortgage Insurance

Cross Selling 24