WHY CU PARTNERS CU Partners is a

WHY CU PARTNERS • CU Partners is a division of Stearns Lending, Inc. (established 1989) • Licensed in 49 States + D. C. • Funded $25 Billion over past 3 years (100, 000+ loans funded ‘in-house’) Built by credit union people for credit unions.

BUILD YOUR MORTGAGE PROGRAM We offer people, process and technology to customize the program you want: • Member Education • Product Selection • Mortgage Resources • Staff Training • Secondary Marketing • Cross Selling • Fulfillment capabilities • Customer Care • Loan Servicing • Flexibility • Origination

PARTNERING BENEFITS • Access to experienced service provider • Workflow expertise in critical areas • Flexible: Ø Business Model Ø Staffing & Scalability • Competitive rates and fees • Full product line • Expanded member benefits

PRODUCT CHOICES • CUPartners. com • Web. Trac – real time reporting • Daily rate sheet access • The Home Loan Center Ø Member can apply online Ø 24/7 Access – Can be linked to your website

PRODUCT CHOICES Traditional products to choose from: • Conventional, Jumbo • FHA, VA, Reverse Mortgage • Ongoing consulting services • Customize new loan programs • Strategies for loan portfolio growth

PRODUCT CHOICES Multiple lending channels available • Correspondent • Wholesale • Retail • Portfolio Lending • Contract Services

FULFILLMENT CAPABILITIES Select just one or use them all: • Operations support Ø Customer Service Ø Processing Ø Underwriting (Multiple Automated Underwriting Engines) Ø Document & Funding coordination Ø Closing Ø Servicing • Fixed fee transaction fulfillment • Efficient turn times (currently 30 days)

LOAN DELIVERY SOLUTIONS Choices for the direction of the funded assets: • Place in Credit Union portfolio – asset growth Ø First Right of Refusal • Secondary Market – sell assets Ø Private placement

CUPartners. com Visit us online at: CUPartners. com