Offers your Company and your Employees more!

Proprietary Notice: This presentation includes data that shall not be disclosed outside the company and shall not be duplicated, used, or disclosed - in whole or in part - for any purposes other than to review this presentation. This restriction does not limit the company’s right to use information contained in this presentation if it is obtained from another source without restriction. Each sheet in this presentation is subject to the above restriction.

2

Program Overview

• Personal Program Specialist ready to assist your employees’ with questions regarding the program

• Assistance with buying, selling and financing a home, discounts on other ancillary services

• Recommendation to specially trained and certified Real Estate Agents from select real estate companies from leading firms in each market

• Employee receives cash back (in most states) based on the sale and/or purchase price when they close through the recommended program agent

Proprietary Notice: This presentation includes data that shall not be disclosed outside the company and shall not be duplicated, used, or disclosed - in whole or in part - for any purposes other than to review this presentation. This restriction does not limit the company’s right to use information contained in this presentation if it is obtained from another source without restriction. Each sheet in this presentation is subject to the above restriction.

3

Real Estate Assistance Program

Features & Benefits– No cost to you or your employee to participate

– Personal Specialist to provide guidance and advocacy through the move process

– Referral to high performing, Affinity certified agents in closed broker network

– Redirects / cross-sells to your corporation mortgage program, successfully impacting your mortgage conversion

– Cash-back based on the purchase and/or sale price of a home (in most states)

– Convenient access via web or phone (Monday – Friday, 7:30am – 8:00pm and Saturday, 8:30am – 5:00pm CST)

Proprietary Notice: This presentation includes data that shall not be disclosed outside the company and shall not be duplicated, used, or disclosed - in whole or in part - for any purposes other than to review this presentation. This restriction does not limit the company’s right to use information contained in this presentation if it is obtained from another source without restriction. Each sheet in this presentation is subject to the above restriction.

4

Real Estate Assistance (Buying & Selling)

Budget Truck Rental (Self Moves)

HomeExpress (Vanline Services)

PODS (Portable On Demand Storage)

Rental Assistance

Menu of Services

Affinity Program Offerings

Proprietary Notice: This presentation includes data that shall not be disclosed outside the company and shall not be duplicated, used, or disclosed - in whole or in part - for any purposes other than to review this presentation. This restriction does not limit the company’s right to use information contained in this presentation if it is obtained from another source without restriction. Each sheet in this presentation is subject to the above restriction.

5

Cash Back

Your employee receives cash back when they buy and/or sell through the program recommended agent

• If employee Buys and Sells they could Receive Two Bonuses • Cash Back Provided in Most States (prohibited in NJ, MS, OK, AK, LA and

program is not available in IA)Sale/Purchase Price Rebate

< $75,000 $175

$75,001 - $125,000 $350

$125,001 - $175,000 $525

$175,001 - $225,000 $700

$225,001 - $275,000 $900

$275,001 - $325,000 $1,100

$325,001 - $375,000 $1,300

$375,001 - $450,000 $1,500

$450,001 - $550,000 $1,550

$550,001 - $650,000 $1,600

$650,001 - $750,000 $1,800

$750,001 - $850,000 $2,000

$850,001 - $950,000 $2,220

$950,001 and above $2,400

Proprietary Notice: This presentation includes data that shall not be disclosed outside the company and shall not be duplicated, used, or disclosed - in whole or in part - for any purposes other than to review this presentation. This restriction does not limit the company’s right to use information contained in this presentation if it is obtained from another source without restriction. Each sheet in this presentation is subject to the above restriction.

6

Our Program Broker Network

• “Best of the Best”– Market Leader with Proven Track Record– Contractual Obligations– Single point of contact: relocation department

• “Brokers are Measured”– Service performance surveys to employees (Interim/Final) – Monthly metrics (mortgage conversion of our partners

mortgage products)

• Utilize “A” team of Agents– Committed to affinity business model / service excellence– Minimum 2 years full-time experience / 1 year community

resident– Participate in on-going affinity training and certification

(2 trainings required / year)– Background check required

Proprietary Notice: This presentation includes data that shall not be disclosed outside the company and shall not be duplicated, used, or disclosed - in whole or in part - for any purposes other than to review this presentation. This restriction does not limit the company’s right to use information contained in this presentation if it is obtained from another source without restriction. Each sheet in this presentation is subject to the above restriction.

7

Our Program Partner

• Who are Realogy and Cartus?• Realogy is the world’s largest Real

Estate franchisor. • Cartus has over 50 years relocation

industry experience, Affinity programs since 1989

• 2,800+ employees worldwide• 100,000+ corporate/member moves

per year

Proprietary Notice: This presentation includes data that shall not be disclosed outside the company and shall not be duplicated, used, or disclosed - in whole or in part - for any purposes other than to review this presentation. This restriction does not limit the company’s right to use information contained in this presentation if it is obtained from another source without restriction. Each sheet in this presentation is subject to the above restriction.

8

Welcome Home Program Specialist

Did you know…Specialists receive incentives based on mortgage conversion and service provided to employees

Specialist-Single Point of Coordination

• Identifies Employee's Home Event needs

• Counsels on buy / sell process• Immediately notifies broker for same

day agent contact (electronic connectivity)

• Sets expectations for next steps • Performs 7-9 proactive follow up calls • Performs cross-sell of client’s services

(via warm handoff & re-directs) • Acts as advocate for your employee • Resolves issues

Proprietary Notice: This presentation includes data that shall not be disclosed outside the company and shall not be duplicated, used, or disclosed - in whole or in part - for any purposes other than to review this presentation. This restriction does not limit the company’s right to use information contained in this presentation if it is obtained from another source without restriction. Each sheet in this presentation is subject to the above restriction.

9

Corporationpromotesprogramasemployeebenefit.

Employeeaccesses informationon corporationwebsite orother literature and calls1.800-xxx-xxxxnumber.

A dedicated Program Specialist willdetermine the employee home buying, selling, renting,mortgage andmoving needs.

The Specialistacts as theiradvocateand provides guidance throughouttheir realestate transaction.

The Specialistrecommendsa participatingReal EstateBroker and refers employee to other related ServiceProviders.

Agent contacts employeewithin 24hours providingexpert service from initialcall to post-closing.

Employee closes on property. Property fundedCash back / Credit issued.Service evaluations mailed.

12

3

45

67

How Welcome Home Works

Proprietary Notice: This presentation includes data that shall not be disclosed outside the company and shall not be duplicated, used, or disclosed - in whole or in part - for any purposes other than to review this presentation. This restriction does not limit the company’s right to use information contained in this presentation if it is obtained from another source without restriction. Each sheet in this presentation is subject to the above restriction.

10

Marketing Plan

– Program Flyers

– Educational Articles

– Newsletters

– Corporation Information Desk

– Online/ Intranet

– Home Buyer Seminars

– Link to United Nations site• (inquiry form / area and housing information)

Build employee awareness through integrating with Current Mortgage Marketing

Proprietary Notice: This presentation includes data that shall not be disclosed outside the company and shall not be duplicated, used, or disclosed - in whole or in part - for any purposes other than to review this presentation. This restriction does not limit the company’s right to use information contained in this presentation if it is obtained from another source without restriction. Each sheet in this presentation is subject to the above restriction.

11

Our Process is Simple

Is employee committed to agent?If not, introduce employee to Welcome Home Specialist

Program Specialist counsels employee, reinforces / refers to mortgage / contacts Realtor

Agent makes same day contact / reinforces mortgage throughout process

Warm hand-off

Employee speaks toCorporation Mortgage Loan Officer

Employee selects prompt or receives call from web inquiry

Employee responds:• Calls program 800 # • Completes web inquiry form

Proprietary Notice: This presentation includes data that shall not be disclosed outside the company and shall not be duplicated, used, or disclosed - in whole or in part - for any purposes other than to review this presentation. This restriction does not limit the company’s right to use information contained in this presentation if it is obtained from another source without restriction. Each sheet in this presentation is subject to the above restriction.

12

Thank You!We look forward to “Welcome Home” your employees.

Proprietary Notice: This presentation includes data that shall not be disclosed outside the company and shall not be duplicated, used, or disclosed - in whole or in part - for any purposes other than to review this presentation. This restriction does not limit the company’s right to use information contained in this presentation if it is obtained from another source without restriction. Each sheet in this presentation is subject to the above restriction.

13

Contact Information

• UNFCU Financial Advisors, LLC24-01 44th RoadLong Island City, NY 11101T + 1-212-324-3900http://www.unfcuadvisors.com

• Stephen Ryerson, PresidentT + 1-212-324-3901F + 1-212-324-3991C + 1-917-254-9337

• Please visit www.EZretirementsolutions.com to learn about our innovative Retirement Solutions.