CONFIDENTIAL

At Home Point Financial -we understand the ultimate success of Home Point is dependent on our

ability to support each other and deliver results together – as a team.

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Our Plan to be a Top 5 Financial Services Company

• Home Point is a vertically integrated mortgage banking business that is focused on a multi channel residential mortgage origination, servicing and asset management strategy.

• Stone Point Capital has committed $250 million to construct a low cost/high service model combined with the value of vertical integration.

• We are/will be licensed in 48 states with seller/servicer approvals with Fannie Mae, Ginnie Mae, FHA, VA and USDA in 2016.

• We are building a scalable national retail origination platform with strong support functions that will benefit from our robust capital markets capabilities. Products. Pricing. Processes.

• Over the years these capabilities will be expanded beyond Distributed Retail to Centralized Retail, Broker Wholesale and

Correspondent.• Markets matter - we must have a

substantial footprint in disrupted markets in the western states and a major market share in the state of California.

• Talent acquisition, that is where you come in. We need quality origination teams that want to be a major market participant, think differently, stay ahead of industry convention, and take advantage of an industry that is going through a generational change.

• In the near future HPFC will fully evolve from a regional mortgage banker to a diversified Financial Services Provider. Be there with us!

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What We Offer our BranchesAt HPFC we collaborate, question the norm, reinvent and help each other succeed!

The Client ExperienceWe believe in a “customer first” culture. As such, we are dedicated to providing a customer experience that forges lasting relationships and exceeds customer expectations.Transparency and AccountabilityEach department plays a critical role in our business. Whether you work in accounting, technology, administration, sales, human resources, or any other department, all positions and employees are empowered to succeedOutstanding FulfillmentWe are a team oriented, sales minded organization. Our operations team is critical to the sales process and committed to delivering a superior customer experience.

Robust Marketing ToolsOur marketing competencies allow originators to connect more seamlessly with borrowers and build better relationships with referral source partners.Innovative ProductsWe cover all major lending choices as well as service for Fannie Mae, Freddie Mac, Ginnie Mae, FHA, USDA and VA. Leading TechnologyOur technology support ensures your loan processes are streamlined, rate competitive, and close on time.Compliance ManagementWe've created one of the most advanced compliance management systems available in the industry.  

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What We Offer our Branch PartnersAt HPFC we collaborate, question the norm, reinvent and help each other succeed!

Nationwide PresenceWe have the connectivity, influence & presence of a nationwide mortgage banking enterprise without the bureaucracy and corporate mandates so common in large organizations.Career Growth and CompensationWe encourage employees to learn and grow in our business, as we believe employees who are committed to their jobs and who give their best, will provide an exceptional client experience that enhances business results.Commitment to CommunityWe live and work here together. At HPFC we do more than make loans in the communities we serve. We lend a hand providing direct support and services to local charities, investing

our time and talents alongside our neighbors. We are committed to building strong communities and stronger relationshipsLeadership Team Our executive leadership team averages over 25 year of industry experience. Their ability to create action at the executive level creates the culture and process's you need to be a successful mortgage banker. Financial StrengthOur parent company, Stone Point Capital, a global private equity firm, manager of the Trident Funds, has raised $13 billion in committed capital to make investments in the financial services industry. 

Backed by Stone Point Capital

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Stone Point Capital is a global private equity firm focused on the financial services industry and has raised $13 billion for the Trident Funds and more than $7 billion for co-investment opportunities

SPC has a 25+ year record of making successful investments in the financial services industry, including investments in the mortgage and banks space

Stone Point works actively and collaboratively with its portfolio companies to create value. Portfolio companies include:

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Meet the Executive Leadership TeamChief Executive Officer (CEO)William (“Willie”) Newman With 25 years of mortgage industry experience, Mr. Newman is an acknowledged expert and innovator in the field.  Recognized industry wide for building what became ABN AMRO Mortgage Group (AAMG). During his tenure, AAMG became a diverse, multichannel top 5 mortgage lender and top 10 mortgage servicer.  Most recently, Mr. Newman built Cole Taylor Mortgage (CTM) from scratch. Over his 4½ year tenure, CTM became a top 40 lender; a top 40 servicer; and a major contributor to Cole Taylor Bank’s financial performance.

Chief Production Officer (CPO)Brian Brizard Mr. Brizard was with Sallie Mae Home Loans for five years, where he served as President of the home lending group and Vice President of the parent SLM Corp. He helped develop Sallie Mae’s multi-billion dollar retail branch network and wholesale channel which originated and serviced loans in 43 states. Mr. Brizard founded Pioneer Mortgage in 1991, and grew the company from a small mortgage broker to a multi-state mortgage lender with more than $1 Billion in annual volume. Pioneer Mortgage was named an Inc. 500 Company in 1999 and 2002, in recognition of its exceptional rate of growth. He led the sale of Pioneer to Sallie Mae in 2003. At Pioneer he served as President and CEO, and built an exceptional and talented sales force. Under his leadership, Pioneer’s originators were frequently recognized as top producers in the mortgage industry's annual volume surveys.

Head of FinanceMichael Jones has spent over 25 years in the mortgage banking industry and has held the title of Chief Financial Officer for the past ten years. Mr. Jones’ experience spans the development of start-up companies to managing multi-billion dollar operations through high growth and down market cycles. His expertise is rooted in financial and operational process improvement that drive sales and reduce overhead costs. Mr. Jones also has a track record of building successful teams and developing professionals in the areas of accounting, finance and capital markets as a mentor.

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Meet the Executive Leadership Team cont. Chief Risk Officer (CRO)Rob Spellman began his Mortgage Banking career in 1985. He has held senior leadership roles at Flagstar Bank, OneWest Bank, Indymac, Fannie Mae and Washtenaw Mortgage.. While at Fannie Mae, Mr. Spellman served as a consultant/subject matter expert in product development and risk management for the International Housing Finance Services group. At Flagstar Bank, he served as EVP Mortgage Banking Production, leading the sales and marketing group to record revenue in 2012. During his tenure at Fannie Mae, he also was the lead product developer for Flex 100, InterestFirst, Enhanced Streamline Refinance and LIBOR based ARMs. 

CONFIDENTIAL

Our cultural philosophy can be summed up in two words – We Care

We care about our customers.  At Home Point, Customer First is our “true north.”  Consideration for the customer is built into every action we take.We care about each other.  The ultimate success of Home Point is dependent on our ability to support each other and deliver results together – as a team.We care about our industry.  We are a provider of the single biggest transaction for consumers in their lives and an input to the second largest debt market in the world.  We conduct ourselves accordinglyWe care about our communities.  We believe that our responsibilities extend beyond the workplace. Stronger communities result in a stronger Home Point Financial.  We care about results.  Our results are measured by the consistency with which we deliver on our mission.  Without sustainable success, there is no culture to cultivate.  At Home Point Financial Corporation…We Care!

Who we are