1 Quicken Loans Proprietary and Confidential

Mortgage Insiders Program

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Over 10,000 full-time team members

4 offices located in Michigan, North Carolina, Ohio and Arizona

Largest 50-state centralized FHA direct underwriter

Ranked # 3 Retail Lender

We make it happen – we funded over $70B in 2012

Quicken Loans Proprietary and Confidential

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Ranked among Fortune Magazine’s top 30“100 BEST COMPANIES TO WORK FOR” in America,

ranked #10 for 2012

Ranked #1 “BEST PLACES TO WORK IN IT”four years in a row, and among Top 15for eight years running by Computer World Magazine

Ranked as the nations #1 employer on WORKPLACE DYNAMIC’S 2013 NATIONAL TOP WORKPLACE LIST, a benchmark study of more than 870 companies based solely on feedback gathered through an employee survey

Quicken Loans Proprietary and Confidential

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A principle-based , “anti-bureaucratic” culture, which simply means we have a flat structure without hierarchy

Our client- focused culture ignites passion, accelerates results, and leads clients to the right decision with certainty

Highly Focused on “ISMs” Always raising our level of awareness It’s not about who is right, it’s about

what is right Responding with a sense of urgency is

the ante to play Every client. Every time.

No exceptions. No excuses. You’ll see it when you believe it

Quicken Loans Proprietary and Confidential

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We set realistic expectations upfront with clients

We provide a checklist of documents needed

We provide proactive updates throughout the

process

Our transferee satisfaction is an astonishing 95%

We close many of our loans in

30 days or less

Quicken Loans Proprietary and Confidential

Closings done in your home or office.

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We will provide your employees with the highest quality mortgage product that fits their personal goals and needs

Our Financial Wellness Program will help increase employee satisfaction and retention

We will work with you, our partner, to create the appropriate marketing strategies with the flexibility to make changes along the way

Quicken Loans Proprietary and Confidential

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Dedicated toll-free number for your employees

Personalized service with specific mention of your company

A trusted source for expert mortgage advice, and education

Co-branded web landing pages, banner ads, direct mail and

many other customized marketing tools

Financial incentive for your employees - $500 cash-back at

closing

Quicken Loans Proprietary and Confidential

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VIP Web Page Exclusive Employee

Communication-via direct mail

Co-branded web page Banner Ads Get current market

information from our monthly newsletter

Quicken Loans Proprietary and Confidential

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MyQL.com is a user-friendly, intuitive portal that allows clients to:

Easily walk through each step of the online mortgage process

Proactively follow along the mortgage process

Manage their mortgage online 24/7

Upload documents

View their loan team’s contact information

E-sign loan documents

Quicken Loans Proprietary and Confidential

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Quicken Loans becomes the first mortgage provider to create a mobile tool that guides clients from their initial

application to the closing table.

Quicken Loans Proprietary and Confidential

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Follow Quicken Loans on all of the social media outlets!

Quicken Loans Proprietary and Confidential

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IAML Services, Inc. is a full service provider of member/employee benefitssolutions, focusing primarily on voluntary benefits. By partnering with manyof the nation’s top service and product providers, IAML Services can helpemployers lower their member benefit costs and administrative demandswhile providing a "best- in-class" member benefits portfolio for theirmembers. A few of our partnerships include:

IAML Services, Inc. is an affiliate of the Institute for Applied Management &Law, Inc. (IAML). For the past 30+ years, IAML has been the leading providerof state-of-the-art public and in-house training and certificate programs inEmployment and Benefits Law, and HR Management. In addition, IAMLoffers AudioPro Teleconferences, Extensive E-Learning and DVD Programs.IAML Services, Inc. is an extension of IAML’s commitment to provide the bestpossible programs, products and services to our valued clientele.

As a special incentive, IAML will extend 20% discounts on all of IAML’sofferings as long as the Quicken Loans Mortgage Insiders Program is beingoffered to your employees.

IAML Services, Inc.

450 Newport Center Dr., Suite 390

Newport Beach, CA 92660

(949) 760-1700

Please contact:

Quicken Loans Proprietary and Confidential