Mortgage Branching

DONE THE RIGHT WAY!

Eric Winblad T: 909-287-2650 | F: 909-287-2656

Regional Manager eric@afncorp.com

NMLS# 1020512 www.joinafn.com

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A UNIQUE APPROACH: The best investment we make IS IN PEOPLE When people come first everything else falls into place

A Note From Jack

Welcome to AFN! We appreciate the opportunity to work

together with you and your employees.

Sales success at AFN requires you to think

like a top producer, maintain the mindset of

success, and to differentiate yourself from

the competition. You have to build credibility

with a good company that keeps great

operational support. AFN will help you

with that!

Your customers must have a great

experience as well. AFN surveys all

borrowers and our results show a successful

experience almost 100% of the time. Some

of the feedback received includes how AFN

generates ideas and approaches to get

loans done. Regardless, the single best way

we keep clients happy is communication.

“I am committed to branch success,

and the success of the loans to all of

our customers, by refining all aspects

of communication.”

Real success, however, requires planning,

and AFN not only has remarkable Sales and

Operations support, but also a systematic

plan for future growth. This includes a

concierge-style Branch Relations Team

and a homegrown Customer Resource

Management system with a creative

Marketing Team. AFN is here to make

your experience a success! We welcome

the opportunity to work with successful

teams that will become the future of AFN!

Jack ShermanCEO

Chairman and CEO Jack Sherman brough his Midwestern, Wisconsin roots and

values to Southern California in 1978, setting his sights high in the mortgage

industry. After successfully running various departments within the mortgage

industry, such as sales, operations, credit and servicing, Jack started American

Financial Network, Inc. with his son, John, in 2001. Jack has a degree in

Business Administration from the University of Wisconsin. He met his wife

Evie, AFN EVP/Corporate Secretary, in Wisconsin during his college years.

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About American Financial Network, Inc.

National Strength. Local Presence.

Growth & Expansion

To sustain such growth across all geographic

markets, as well as in a constantly changing

regulatory and economic environment, requires

a commitment to core values. Our values stress

the importance of streamlined operations, a flat

management model focused on production support

and a customer service approach designed to

exceed expectations every time.

Branch Focused Strategy

Our branching strategy reflects a culture that

is both flexible and empowering; one that

rewards leadership and provides the necessary

support to ensure success. Our role is to simplify

processes and remove obstacles to allow Branch

Managers and their teams to focus on production,

exceed their goals and enjoy the benefits of our

shared success.

AFNis one of the nation’s largest privately held mortgage companies with the resources to compete

on a national level with the largest publicly held banks. Based in Brea, California and founded

in 2001, AFN is an agency-direct lender, licensed in over 40 states, with more than 100 branches supporting

hundreds of Loan Officers across the nation.

AFN understands that our industry is built on relationships and strengthened through personal and

professional loyalties. The AFN family is comprised of talented, loyal and committed individuals

who truly support one another. Our Branch Managers know they can trust in this family spirit. They trust that

corporate will provide the leadership, cutting edge technology, and full range of products and services they

need to reach their goals. After all, AFN’s CEO, a producer himself for the greater part of his career, prides

himself on having established a culture built on the idea that the producer is our true customer.

2014/2015

We provide our

customers a solid

foundation for a better

future with ethical

and fair lending practices. We are

committed to doing business the

right way.

INTEGRITY

The American Dream

is more than a motto

to us… it’s what we do.

We are dedicated to

making every loan a relationship

that will last a lifetime.

RELATIONSHIPS

Bringing our customers

true value is part of our

daily dedication. We

find the right financial

fit for each and every borrower

while working hard to save

them money.

VALUE

AFN is a continually evolving mortgage lender that combines the platform,

technology, product offering and pricing of a large

banker with the family atmosphere feel of a small

lender. We nurture the entrepreneurial spirit in our

branch managers and help them to meet their

business aspirations. Their income is only capped

by their motivation level.

Most of our executives came up through origination

at one point, so we appreciate the importance of

performing for our clients and referral partners.

We deliver on service by utilizing a great team of

operations personnel and a very efficient use of

technology. We focus on eliminating redundancies,

automating tasks and streamlining the movement

of data to the many people that need to work

on each file. We always have a pipeline of new

improvements that will continue to set us apart from

our competition. In an industry that has become

increasingly commoditized over the years with less

to differentiate competitors, our focus on support

and service does just that.

, President

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Culture

American Financial Network, Inc. (AFN) is a unique force in the mortgage market.

We are one of the nation’s largest privately

held mortgage companies with the

resources necessary to compete on a national level

with the largest publicly held banks. AFN maintains

speed to decision, responsive communication and

flexibility through its private ownership and flat

organizational structure.

We are a team of dynamic, visionary and

opportunistic professionals that thrive on

the utilization of teamwork and technology to

outperform our competition. We are driven by a

vision of being a market leader through creating the

ultimate in customer service and being consistently

better by always seeking new ways to improve.

The customer’s experience is the end result of all our efforts. No

matter what we do, how hard we work, or how much time we

spend doing it, we always strive to optimize the client experience.

Clients and referral partners are at the top of our org chart.

OPTIMIZE THE CLIENT EXPERIENCE

Whether it is our clients, our business

partners or our employees, people

are our priority. We are a family that

takes care of one another.

PEOPLE

We take pride in what we do. We treat

others with dignity and respect. We

always hold ourselves to the highest

standards and make our word our

bond.

INTEGRITY

No matter what our interests, to succeed

in a competitive field, we are willing to

work harder than our peers..

HARD WORK

No one person can support our entire effort. We rely on

one another as a synergistic group, where the whole is

much greater than the sum of its parts.

TEAMWORK

Hard work alone will not

ensure success. We also

strive to work smarter

than our competition and

consistently seek out

new and better ways to

accomplish our goals.

EDUCATION

Great efficiencies and service levels can

be created through the use of technology.

This allows our people to build systems

that work best for their branch.

TECHNOLOGY

FUN

It is said, “If you love what you do for a living, you will

never have to work a day in your life.” We want to work

hard, but never feel like it’s hard work.

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Leadership - Experience, Passion & Integrity

Jack Sherman

Chief Executive Officer

Bob Telles, CPA, MST

Chief Financial Officer

John Sherman

President

Twyla Hankins

EVP of Operations

Jonathan Gwin, Esq.

COO & General Counsel

Scott McGinley

EVP of Secondary

Marketing

At AFN, we’re proud of what our team has been

able to achieve over the past decade and more.

We are equally proud of our brand and what it stands

for. Designed to convey a sense of well-being,

comfort, stability and integrity - it is the American

Dream personified.

If you share these values and are serious about

taking your business to the next level, AFN is looking

for professionals like you. We seek purchase-

oriented Branch Managers and Loan Officers who

are successful, motivated, respected by the their

peers, understand the importance of relationship-

based sales and the need to nurture business in

order to see it grow. We are looking for like-minded

individuals who are involved in their community and

understand their customers’ needs because they are

your neighbors. At AFN, we have a phrase we use to

describe this vision - National Strength with Local

Presence. Interested? Come join us.

Our executive team is comprised of industry

professionals with more than 150 years of combined

mortgage industry experience. Through the

guidance and vision of this leadership ensemble,

American Financial Network, Inc. has experienced

unprecedented growth both in same store sales and

through strategic recruiting and market expansion.

AFN is constantly evolving and adapting in response to internal and external market triggers to ensure that our producers are equipped with the perfect blend of product, service, price and training.

Jack Sherman, CEO

About AFN

• Nationwide Licensing Footprint*

• FHA Full Eagle

• Fannie Mae Seller/Servicer

• Ginnie Mae Issuer

• VA Automatic Authority

*licensed in most states

When AFN was first founded by Jack and John

Sherman in 2001, their goal was to create a modest,

family run, regional lender to support the local California

community.

As other lenders began growing beyond capacity along

with the housing bubble, AFN remained small, focusing

on manageable organic growth. After the market crash

in 2007 we continued to be a strong presence in the

mortgage industry, steadily expanding our licensing. By

selecting the right partners, our growth has continued to

be both steady and successful with AFN now licensed in

more than 40 states and funding over $2 Billion per year in

markets across the country.

Unlike other companies’ whose

volume levels are tied to the

interest rate environment,

AFN’s volume is primarily tied

to successful partnering with

new branches in new markets.

By starting small and growing

organically - even through the

housing bubble - in just the past

few years, we have more than

tripled our number of employees.

2012 20132001 20152009

History & Growth

Consistent Year-Over-Year Growth

2015

2014

2013

2012

2011 $0.6 B

$1.5 B

$1.55 B

$1.57 B

$3 B

FHA Full EagleAFN Funds > $3B, is

Ranked Top 50 in the Nation and Licensed in

Over 40 States.

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From start-to-finish AFN is here to

support you and your team. We

have a fully staffed Branch Relations

Department, whose sole purpose is

making your transition and onboarding a pleasant

and smooth experience. Our goal is to get your

branch operating at its optimal level as quickly as

possible. To show our support, a VP will be on site

for your Branch Grand Opening.

At AFN we believe the Branch Manager

is our customer. We are dedicated

to keeping things straightforward,

simple and transparent. Put simply,

we are here to help you reach your objectives

with effective training and development that is

innovative, comprehensive, and ongoing. We offer

true leadership and sales development workshops

to enhance and grow your already successful team.

Customized Retail Mortgage Branching

We recognize that one size doesn’t fit all. No

one knows your market, your model and your

referral relationships like you do. We respect that.

That’s why AFN customizes branches based on local

market needs. We are dedicated to your branch

from the beginning and we’ll prove it by investing

the resources, services, support and training you

and your team need to grow same store sales year

over year. By investing in you, we guarantee our

future success.

AFN empowers Branch Managers

• LO Hiring Choices - Fast-Track Hiring Process

• Instant Disclosures at Branch Level

• Branch Issued Pre-Approvals

• Branch Processing with Corporate Option

• Branch Underwriting Available

• Branch Doc Drawers Available

EASYTRANSITIONS

TRAINING &DEVELOPMENT

The AFN Strategy

AFN has the tools you need to

optimize performance because we

believe you should “measure what

you manage and manage what you

measure.” We provide the visual reporting and

trend analysis needed to make the most of your

real-time business metrics. After all, when it comes

to business analytics, “a picture is worth a thousand

dollars.”

• 24/7 Online Accounting

• Live P&L

• Profitability Reports & Analytics

• CRM Dashboard

• Motivity Business Intelligence

We support you in every manner

possible so you can stay focused on

revenue-generating activities while

we do all the rest. To maintain that

keen focus on production we provide various tools

and dedicated support to you and your team.

• On-Site Training

• Dedicated Onboading Team

• Ongoing Branch Support

• Turbo Transition Desk

• Business Planning

• Full Service Marketing

• Next-Gen Technology

• Full Service IT Help Desk

Referral Partner Support

Referral Sources are the

lifeblood of our business. We

provide turnkey opportunities

to compliantly and continually

develop new and existing referral source

relationships.

“With our empowerment and support you can always be the hero in tough transactions.”

DASHBOARD &ANALYTICS

DEDICATEDSUPPORT

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At AFN, we know that having the best products isn’t enough. In order to close, you need support you can

count on right from the start.

Nothing is more critical than a smooth transition. Our onboarding process will ensure you and your employees

don’t miss a beat. Our fully staffed Scenario Desk provides the answers you need to place quality loans

quickly. Your borrowers and referral partners will appreciate instant pre-qualification, fully underwritten pre-

approvals and quick turn times. With so many products and programs, we want to make sure that every loan

that can get done does get done. By consistently combining sound lending practices with a can-do, on time,

every time approach, together, we can deliver a better lending experience.

• Branch Relations Department

• Scenario Desk

• 24-48 Hour Turn Times

• On Time, Every Time Closing

We deliver uncomplicated and

timely closings.

SPEED

Our balance sheet and paperless

processes provide tremendous

scalability to meet your market

demands.

SCALE

We believe in keeping things

simple and straightforward. You

won’t find overcomplicated or

convoluted processes here.

SIMPLICITY

Speed. Scale. Simplicity. It’s simply... the AFN way.

• 25+ Investors

• Agency Direct

• Purchase Prioritized Underwriting

• Decentralized Underwriting

• Easy Closing/Funding

Advance Wires

• Paperless Process

Lending Excellence

Our Loan Products

AFN is a Fannie Mae Seller/Servicer, Ginnie Mae Issuer, and is USDA and VA LAPP approved with

Freddie Mac approval pending. We have it all, from the basics like FHA, USDA, VA, Conventional,

and Jumbo, to the hard to find, like Jumbo loans up to 5 million dollars, 203(k), asset based lending, construction

to perm, manufactured, modular and more. AFN services include 24 - 48 hour turn times for fully underwritten

pre-approvals, extended rate locks for new construction and closings in as little as 21 days.

In recognition that we can’t always be everything to everyone, we allow our Loan Originators to broker whenever

necessary. Having such a wide and varied product offering gives us a unique advantage. We have delegated

underwriting on nearly all our loans.

• Asset-Based

• Construction-Perm

• Delegated Non-Conforming

• Delegated to $5 million

• Fannie Mae Direct

• FHA 203k Rehab

• Ginnie Mae Direct

• HARP

• Jumbo

• Manufactured Housing

• Non-QM

• Reverse

• State Bond Programs

• USDA (Rural)

• VA (LAPP)

The Products you need to get the customers you want.

All the tools you need

WITHOUT ANY OF

THE RED TAPE

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AFN Marketing

The AFN Marketing offering is one of the very best in the industry. Our team of award-winning and seasoned

Marketing, Creative and Social Media professionals are 100% focused on Branch Marketing Support. We are

dedicated to providing our Branches with the very best solutions and support possible. We know your Referral

Sources are the lifeblood of our business. AFN Marketing provides turnkey solutions that create opportunities to

compliantly and continually develop new and existing referral source relationships!

AFN has all the Marketing tools you and your team need to succeed • Automated Post-Closing Loyalty Campaign

• Brochures, Flyers and Booklets

• Custom Advertising

• Education & Communication Series

• Email Campaigns

• In-House Marketing Agency and Design Team

• Lead-to-Loan Automated Marketing and Borrower

On-Demand Custom Library & Marketing System

• Realtor, Builder and Borrower Presentations

• Referral Partner Marketing

Custom Advertising

You’ll have your own personal full-service creative agency. Our team

of in-house marketers is dedicated to developing powerful and

professional company materials, advertising, and campaigns to support

your business. We’ll work with you to develop custom creative including

idea-storming, graphic design, copy writing and compliance review. From

brochures and postcards to open house support and co-branding, the

marketing team can help create custom materials to suit your individual

needs.

The Marketing Library that is more than just flyers

The AFN marketing library features 600+ pieces

of marketing. From multimedia campaigns to

direct mail postcards, each piece is branded for

you and is already compliance approved.

*not in all states**available on referral basis

• Stated Income**

• 95% Non-warrantable high rise and

regular condo**

• Asset-based lending

• Foreign National

• Construction to perm

• 0% down FHA**

• FHA “Back to Work”**

• Extended rate locks

• Lite-Doc, asset-based

• State Bond Programs*

• Down-payment assistance

programs.*

We have the basics covered and more. We are an agency-direct lender that can give you the loan programs you expect and more.

the basics...

the niche...

• FHA, USDA

• VA

• Conventional

• Reverse purchase

• Jumbos

• 203(k) rehab loans

• Purchase money seconds

• Manufactured & Modular

MORE PRODUCTSMEANS SELLING MORE HOMES.

Let’s Work Together!

LOVE THE VIEW, BUT NOT THE MONTHLY PAYMENT?

Don’t overpay another day. Let’s get started saving you money today!

KEEP THE LIFE YOU KNOW

REFINANCEWHILE RATES ARE STILL LOW

Every day American Financial Network, Inc. works to change peoples’ lives by “Financing the American Dream.” We are constantly evolving and adapting to ensure our employees are equipped with the perfect blend of products, service, and training to ensure that you have the best possible lending experience. We are proud to be your lender of choice.

We offer many different loan programs to meet your needs. From conventional and government programs like FHA, VA and USDA to more niche programs such as reverse and jumbo, we do it all. Let’s talk about which option is the best fit for your financial future.

Many loan options to choose from

Consolidate your debt and saveRates are still very low Lower Your Monthly Payment

Another benefit of refinancing allows you to payoff high-interest credit cards and installment loans. Consolidating your debt into a lower rate can save hundreds or even thousands of dollars per month!

Rates are still at historic lows which means that now is the time to take action. No one knows when rates will rise and when it comes to getting the most from your home investment, timing is everything. Take advantage of these rates today!

Lowering your interest rate will also lower your monthly payment, giving you more flexibility in your budget each month and saving you even more over the life of your loan.

You’ve worked hard all these years and wisely invested in the joys and trials of homeownership.

A reverse mortgage can allow you to make the most of the equity you have built and enjoy not

having mortgage payments.

If you are 62 or older and own your home, you may qualify for the government insured Reverse

Mortgage.

*American Financial Network, Inc. is not acting on behalf of or at the direction of HUD/FHA or the federal government. Borrowers must continue to make monthly or other periodic taxes or insurance payment and may risk default if payments are not made.

• Continue to live in your home

• Title stays in your name

• Frees you from your existing loan

• No more monthly payments*

• Tax-free monthly cash flow

• Social Security and Medicare unaffected

Want more info? Call me today!

Here are the benefits:

“It is our duty to strengthen our brand, gain market

share, and promote growth.”

iConnect - The Ultimate Marketing Suite

Intelligent Marketing & Relationship Productivity Suite

With AFN iConnect, you’ll have a cloud-based mobile friendly suite of tools to empower you to grow your

business through automation, relationship building, lead generation and more.

• Business Building Tools

• Contact Management (CRM)

• Customer Retention

• Database Mining

• Direct Mail Marketing

• Email Marketing

• Encompass Integration

• In-Process Communications

• Leads Management

• Loan Presentation Tool

• Marketing Library

• Post Close (loyalty) Marketing

iConnect includes:

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AFN Marketing

Nothing is more powerful than helping someone boost their

business and increase sales. This multi-faceted program will

share social media knowledge with your real estate partners. By

doing this, you’ll position yourself as a resource and be top-of-

mind. Best of all? This program is free to both you and your real

estate partners. Take advantage of email campaigns, flyers, and

trainings to create a new value added touch point with those

that mean the most for your business.

AFNEdgeGiving your real estate partners the power of social media

Social Media is a brave new world. You have a guide!

From beginner to advanced, no skill level is off-limits.

Our full-time Social Media Manager is an award-winning guru who can guide you through the ever-changing

landscape of social media and help you make the most of it.

Service features:

• Full Social Media Support

• Weekly Content Provided

• Image & Content Library

• Hours of Live & Recorded Training

• One To One Assistance

• Local SEO Support

• Automatic Blog Posting

• On-Site Help Available

Personal support on the most popular networks:

VP of Marketing & Creative ServicesWith over 16 years mortgage marketing experience,

our VP of Marketing & Creative Services is here to

ensure we create raving fans and to implement

new marketing systems.

Marketing Systems ManagerWith 2+ years of mortgage marketing experience,

our Systems Manager specializes in maintaining

our marketing systems, company store and

compliance tracking.

Marketing Creative ManagerWith 3+ years mortgage marketing experience,

our Creative Manager is here to help you with

advertising requests, graphic design and marketing

library expansion.

Social Media CoordinatorOur Social Media Coordinator is here to help

you develop social media content, strategy and

trainings.

Marketing Project AssistantWe also have a marketing assistant dedicated to

special projects, maintenance, and support.

Want to learn more?Request a copy of our

Marketing Overview Booklet.

Dedicated, Full Service Marketing Agency

AFN Marketing

Keeping referral relationships strong.

We provide our Loan Officers

a 3-year loyalty campaign on

every closed loan, free of charge.

These 48 unique communications

will keep you in touch with your

customers in a fun, interesting,

and easy way.

Brand building made easy.

From promo to apparel, you’ll

find it all online at the AFN Store.

We pre-stock many items for fast

shipping and also feature many

customer choices. Event rentals

are easily ordered as well.

Individual websites for Loan Officers.

Every Loan Officer is provided a

free website that is fully integrated

with Encompass and features

an easy way for borrowers to

complete their applications online.

Websites include a full 1003.

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Technology

When it comes to technology, at AFN we pride ourselves on ease-of-use. Our job is to make the complicated

simple, to always find the easiest path from point A to point B, to do it as quickly and as efficiently as

possible and to ensure our platform is highly scalable to support your growth.

You and your team will have the high-tech automation and real-time reporting you need to get the job done.

From desktop to laptop to mobile, AFN’s web-based loan origination system and automated pricing engine

are readily accessible, while our state-of-the-art telecom system keeps your branch closely connected to

corporate.

• Encompass 360 Bankers Edition LOS

• NYLX – Pricing Engine Online.

Anytime, Anywhere!

• AMB – Live Web-Based P&Ls

• Fully Paperless Operations

• Expense Reimbursement Smart Phone App

• Dashboard Analytics / Motivity Solutions

• VOIP Telecom System Option for Branches with

Full Corporate Office Integration

• Fully-Staffed IT Help Desk at Your Service!

“Real People, Real Answers Personal , Accurate and Timely Support”

Licensing & Compliance

At AFN, we know the more states your Loan Officers are licensed in the more business your branch is able

to close. But, with industry requirements, and ongoing changes to regulations to protect consumers,

making sure your staff is fully trained, knowledgeable and authorized to sell can be a challenge. At AFN, we

take licensing seriously. We know that providing you with the support you need is crucial to your success and

an important part of our expansion efforts.

You can count on us to:

• Assist you with deciding what states you want to get licensed in based on physical office requirements, cost, state regulations, time frame for approval, and more.

• Prepare, review and file your branch mortgage license applications for each state agency.

• Follow up with the state regulatory agencies for application status and maintain contact with each state regulatory agency until your branch receives its license approvals.

• Assist branch Loan Officers with maintaining active licenses, providing insight to license inquiries, and assistance with new license applications.

• Provide discounted savings to NMLS approved pre-licensing and continuing education vendors as well as state exam prep material.

Human Resources

To be successful in business you need the best and brightest. AFN’s HR team is here to assist in your talent

recruitment, onboarding, new employee orientation and benefits administration. We are efficient and, like

you, are dedicated to providing the highest level of personalized customer service.

We offer a full benefits package to fit both the current and future needs of you and your family. With our online

benefits access, it is as easy as 1-2-3 to manage all your AFN employee benefits when and where you want.

Benefits include:

• Medical Insurance

• Dental Insurance

• Vision Coverage

• Direct Deposit

• 401(k) Retirement

• Life Insurance

• Disability Insurance

• Flexible Spending Account

• Dependent Care

• Medical Out-of-Pocket

Expense

When people

come first everything else falls into place

This information is intended to assist Industry Professionals, and is not an advertisement for consumer credit as defined in 12 CFR 1026.2(a)(2). This information is not intended for consumers and may not be duplicated or disseminated to the public.

Corp NMLS: 237341 | Equal Opportunity Employer

Corporate: 10 Pointe Dr, Suite 330, Brea, CA 92821

American Financial Network, Inc. is licensed by the California Department of Business Oversight under the Finance Lenders Law License (6038771) and holds a CA Bureau of Real Estate, Real Estate Broker’s License (01317581) under Nationwide Mortgage Licensing System (NMLS), unique identifier of 237341. Broker is performing acts for which a license is required. Refer to www.nmlsconsumeraccess.org and input NMLS #237341 to see where AFN is a licensed lender. In all states, the principal licensed office of American Financial Network, Inc. is 10 Pointe Drive, Suite 330, Brea, CA 92821; Phone: (909) 606-3905 (NMLS ID#237341).