1.by: Nizar Hashlamon Prime Alliance Solu2ons, Inc. 2012 Prime Alliance Solu2ons, Inc. All Rights Reserved.

2. What is HARP 2 Why ImportantResourcesOverview Strategies 2012 Prime Alliance Solu2ons, Inc. All Rights Reserved. 3. Survey QuesCon #1Is your credit union a Fannie or Freddie direct seller? a. Fannie b. Freddie c. Neither 2012 Prime Alliance Solu2ons, Inc. All Rights Reserved. 4. REFI, REFI PLUS & DU REFI PLUS HARP: WHATS THE DIFFERENCE? Announced in October 24, 2011Background Fully implemented in March 17, 201Two op&onsRe Plus Same Servicer manual underwri&ngDU Re Plus Same or dierent Servicer Provides increased eciencies for the origina&on and underwri&ng. 2012 Prime Alliance Solu2ons, Inc. All Rights Reserved. 5. PEOPLE HELPING PEOPLE Credit Union Mission 2012 Prime Alliance Solu2ons, Inc. All Rights Reserved.5 6. MEMBER LOYALTYRetenCon 2012 Prime Alliance Solu2ons, Inc. All Rights Reserved. 7. FINDING THEM IS EASY Remember YourMember 2012 Prime Alliance Solu2ons, Inc. All Rights Reserved. 8. SAVING MONEY FOR MEMBERS Revenue 2012 Prime Alliance Solu2ons, Inc. All Rights Reserved. 9. SHARPLY REDUCED RISKRep & WarrantRelief 2012 Prime Alliance Solu2ons, Inc. All Rights Reserved. 10. ARE YOU HELPING YOUR MEMBERS YET?81% ofREFIs 2.3 Million Loans 41% ofOriginaCons 2012 Prime Alliance Solu2ons, Inc. All Rights Reserved. 11. WHATS NEW? r 30Yxedes s n, Fi Acc itaCo ored pen V lim it scO T inate No L in cred or elim m dNo cappe ed 0.7 s 5 s a lign er A nie Waiv LLP ompa ieldcMI erty Fp Pro 2012 Prime Alliance Solu2ons, Inc. All Rights Reserved. 12. ELIGIBILITY EXPANDEDCurrent PaymentsPrincipal ResidenceLTV Greater than 80% Not HARP Renanced Ownedby Fannie or Freddie beforeJune/09 2012 Prime Alliance Solu2ons, Inc. All Rights Reserved. 13. DEADLINES & EXCEPTIONS!Dec/2013Note DateIf PaymentIncrease >20%Delivered onRe-Qualify Loan or Prior toApril 30/2014VericaConFICO 620DTI 45%Income, Funds 2012 Prime Alliance Solu2ons, Inc. All Rights Reserved. 14. SOLICITATION RULESLimit to > 80%LTVSpecicSolicitaCon Language Acrossboth GSEs 2012 Prime Alliance Solu2ons, Inc. All Rights Reserved. 15. Survey QuesCon If you have analyzed your exisCng mortgage porlolio, #2what percentage qualies under HARP 2.0? a. Less than 10% b. 10 -20% c. More than 20% d. We have not analyzed our porlolio for HARP 2 eligible loans. 2012 Prime Alliance Solu2ons, Inc. All Rights Reserved. 16. STRATEGY COMPONENTSCampaignTargeCng MemberCollateral Call-to-Messaging AcCon 2012 Prime Alliance Solu2ons, Inc. All Rights Reserved. 17. IMPLEMENTATION STRATEGIES...Reach the most Supermembers using StreamlinedFewest the fewest Requirements resourcesStreamlinedSome AddiConal RequirementsTradiConalRenance 2012 Prime Alliance Solu2ons, Inc. All Rights Reserved. 18. THREE FULFILLMENT PATHSSUPER Streamlined TradiConal StreamlinedFalse PFW or HVE allowed TRUE TRUEFull Appraisal Required None YES Requires resub Junior LienOr resub (if no resub approval agreementagreement) MI provider is No coopera&ng YES YES New MI policy with HARP? required No credit score TRUE TRUEFalse requirement & DTI 2012 Prime Alliance Solu2ons, Inc. All Rights Reserved. 19. Survey QuesCon #3 Does your credit union perform any Mortgage loan specic direct markeCng campaigns? a. Yes b. No 2012 Prime Alliance Solu2ons, Inc. All Rights Reserved. 20. BEST IN CLASS CAMPAIGN Offer w/ Three OptionsTerm Rate Reductionw/ very low Reduction (or no) NO ClosingClosing Costs CostsADVANTAGES sense of urgency Rate choice from three Reduction clear opCons w/ Closingreduce stress to Costs originaCon and fulllment resources 2012 Prime Alliance Solu2ons, Inc. All Rights Reserved. 21. HOW TO TARGET IdenCfy Members w/ MortgagePublic Data RecordsApply HARP 2Rules Level SetMembers ExpectaCons 22. MANAGING Not AllEXPECTATIONS Look Alike Loans are HARP Loans Honesty In CommunicaConEncourage to Verify w/GSEs Explain & Educate 23. COLLATERAL THAT HELPSDETERMINE ELIGIBILITY 24. HARPSpecicProducts 25. PRIME POSSIBILITIES FOR HARP TargetedDirect MarkeCngMember Data &Public Records Message Points Direct Mail&& Call-to-AcConemailCampaigns 26. PRIME POSSIBILITIES FOR HARP APPLY HARP 2 RULES 27. Nizar Hashlamon Prime Alliance Solu2ons, Inc 206) 321 6773 nhashlamon@primealliancesolu2ons.comhqp://www.nafcu.org/PrimeAlliance/