What is in store for your 2013Guaranteed Rate’s Q1 Economic

Summit With Freddie Mac.

San Diego & Encinitas, CA

January 29th, 2013 8:00am - 11:00am

The Home Purchase ExpertsSM

Guaranteed Rate was founded in 2000, and has since become one of the largest independent residential mortgage lenders in the nation. Since inception, Guaranteed Rate has continued to experience rapid growth with an increase in funding volume from $195 million in 2000 to more than $14.5 billion on 2012.

The company’s innovative and unique approach to mortgage lending has been the key to its phenomenal success. Taking the best practices from market leaders in other industries and applying them to the mortgage business, Guaranteed Rate has instituted innovative systems and technologies that have significantly reduced overall operating costs – a savings that is passed on to the consumers by offering low rates and fees.

The company’s leading edge approach has also produced a much higher level of customer service. The application process has been streamlined and automated so that a customer can apply online and get pre-approved within one hour. Much of the underwriting process has been automated; reducing the total time a customer is able to close their loans from months to days.

Guaranteed Rate has developed a Realtor® Partner Advantage Program along with an online Partner Xchange to provide extensive marketing support for our agents. The program is based on feedback from the real estate community and includes services such as custom flyers, a monthly magazine for clients, loan status updates, mortgage calculators, dashboard of real estate news/videos and discounts through our affiliated service providers.

Growing Strong

Agenda

8:00 : Registration8:00 – 8:45 : Silent Auction Continental Breakfast8:45 : Pavillion Ballroom Opens9:00 : Q1 Economic Summit Begins

SpeakersTrent Annicharico Regional Manager of Guaranteed Rate

Erik Weichelt (Moderator) President - Weichert Elite

Dr. Frank NothaftChief Economist - Freddie Mac

Richard PadillaStrategic Market Director - Freddie Mac

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• Simple to use, secure and REAL pre-approval

• Clients can choose from approved loan type and rate

• Track your client’s loan from start to finish through your Partner Xchange account

• Save your clients $150 by applying online

• Enhance user experience of your website

The Home Purchase ExpertsSM

Erik Weichelt President - Weichert Elite

Eric W. is President of the #1 Weichert Office in the whole country. He is the #1 Coldwell Banker Residen-tial Brokerage Agent in the whole state of Arizona. Mr. Weichelt is ranked as one of the top 1,000 NRT Agents of the 256,000 in the whole country. He has sold over 5,000 properties in his real estate career. He is the father of two amazing little boys.

Speakers

Notes

Frank E. Nothaft was appointed as chief economist in December 2001 and vice president in March 2004. He is responsible for forecasts, research and analysis of the macro economy, housing and mortgage markets. A widely quoted expert on housing and economic issues, Nothaft makes frequent appearances in both local and national media outlets. Nothaft holds a Ph.D. in economics from Columbia University and a B.A. cum laude in mathematics and computer science from New York University.

Speakers

Notes

Frank E. NothaftFreddie Mac Vice President & Chief Economist

Based in Denver, Rick is responsible for new business development, lender relations, consumer outreach, and representing Freddie Mac in industry and consumer affairs. Prior to joining Freddie Mac he was a National Business Development Manager with NeighborWorks America. Rick holds a Bachelor’s Degree, Magnum Cum Laude, from the University of Colorado; Masters Degree in Public Administration, and a Law Degree from the University of Kansas.

Speakers

Notes

Rick PadillaFreddie Mac Director of Strategic Markets

Alex Charfen is co-founder and CEO of The Distressed Property Institute andauthor of the CDPE® designation, training professionals nationwide to handledistressed properties and help homeowners avoid foreclosure. The Institutehas a trained membership base of more than 28,000 real estate professionalsnationwide, making CDPE the fastest growing independent designation in realestate industry history. Charfen has spoken at nationwide events including theNational Association of REALTORS® Annual Convention, and was a participantin the U.S. Federal Housing Finance Agency’s (FHFA) Short Sale and Deed-in-Lieu Roundtable.

Speakers

Notes

Alex CharfenCEO, Distressed Property Institute, LLC

Author, Certified Distressed Property Expert® Designation

Author, Certified Investor Agent Specialist™ Designation

A Special Thank You to Our Sponsors

Loan Status MonitorStay in the loop with the status of your clients’ home loans automatically, from application all the way to closing.

Demystifying the Mortgage ProcessA six-step, easy-to-understand guide to getting a home loan written especially for first time buyers and personalized with your picture and yourcontact information.

Partner XchangeBusiness-Driving Tools and Content for Real Estate Professionals

Sign Up Today!

Enjoy MagazineA free monthly personalized e-magazine that is perfect for connecting with your clients.

Social Radio LiveLearn how to grow your network with social media tips, videos, and resources.

Custom FlyersOur co-branded, custom flyers are a free and instant solution for you. Showcase your current listings or promote your services.

Special OffersYour clients can receive a $150 closing cost credit* when they finance throughGuaranteed Rate!

Consumer XchangeMarket yourself to clients searching for realtors – they can see your picture and a summary of your

News & VideosStay connected with the latest real estate news and videos.

www.guaranteedrate.com/agent ● Email partnerxchange@guaranteedrate.com for a demonstration

The Home Purchase ExpertsSM

*Borrower subject to credit approval. If loan does not close for any reason, costs will not be refunded. This offer and/or receipt of borrower’s application does not represent an approval for financing or interest rate guarantee. This coupon cannot be redeemed for cash/has no cash value.

Restrictions may apply, contact Guaranteed Rate for current rates or more information.

www.guaranteedrate.com/agent ● Email partnerxchange@guaranteedrate.com for a demonstration

Your Mortgage Team

Ian WrightNMLS ID: 188395 CA - CA-

DOC188395 - 413 0699

Michael Roland NMLS ID: 262389 CA - CA-

DOC262389 - 413 0699

Sergio DeAndaNMLS ID: 801244 CA - CA-

DOC801244 - 413 0699

Ryan HargraveNMLS ID: 292560 CA - CA-

DOC292560 - 413 0699

Enzo MoralesNMLS ID: 633037 CA - CA-

DOC633037 - 413 0699

John MedinNMLS ID: 448618 CA - CA-

DOC448618 - 413 0699

Andre Kwan

Sam BaughLO Lic# CA - CA-DOC291966 -

413 0699 NMLS ID: 291966

Trent AnnicharicoSVP / Regional Manager

LO Lic# CA - CA-DOC290594 - 413 0699 NMLS ID: 290594

Chaz HinzCA - CA-DOC309521 - 413 0699

NMLS ID 309521

Jonathan JerotzNMLS ID: 247008 CA - CA-

DOC247008 - 413 0699

Sean HarkinCA - CA-DOC313847 - 413 0699

NMLS# 313847

Jason HerbertNMLS ID: 633039 CA - CA-

DOC633039 - 413 0699

Justin KollmanNMLS ID 307403; CA - CA-

DOC307403 - 413 0699

Tim GoldsberryNMLS # 278811 LO#: CA - CA-

DOC278811 - 413 0699