Looking to grow your business?

The Money Store® is looking for premier business branches to

partner with our dynamic brand nationwide. Our unique business

model, competitive and diverse products, exceptional executive

team, professional support and comprehensive compensation

package makes us your partner of choice.

Call today to learn more about branching opportunities with

The Money Store®.

CONSULTING

SALES

STAFFING

SUPPORT

Corporate Headquarters Westminster Corporate Center 30B Vreeland Rd 3rd Floor Florham Park, NJ 07932 973.805.2000 phone www.themoneystore.com NMLS# 1019

Contact:

Dana Kiklis

Business Development Manager

NMLS# 30460

Office: (978) 988-LOAN (5626)

Cell: (781) 325-5312

Fax: (978) 988-CASH (2274)

dkiklis@themoneystore.com

Become A Premier Branch Partner With A Dynamic Brand Consulting

Sales

Staffing

Support

A Recognized Brand Name

Strong Balance Sheet

Exclusive Territorial Branching Model

Committed Executive Team

Expertise and Support

RESOURCES FOR SUCCESS

The Money Store® has been a trusted mortgage brand for over 40 years.

Our brand is a known leader in the industry. One of our major strengths is

building our partner branch offices to a level where they can substantially

increase their market share in a particular metropolitan area.

As part of this strategy, we support the branch manager in recruiting

and building offices around a promising metro area. This is also a great

opportunity to grow loan production and loan officers in the field to acquire

more referral relationships.

Our expertise and support in growing your business resides in this exclusive

territorial concept and our seasoned management, who reflect robust

business ethics and a strong balance sheet.

Our recognized brand name, exclusive territorial model, strong work ethic

and a solid balance sheet places your business in the path for success.

Secure The Future of Your Business CONNECTING YOUR BUSINESS TO THE RESOURCES FOR SUCCESS

With rising company costs, vanishing refinance market and increasing

compliance requirements, keeping your mortgage company profitable

is getting harder and harder. That’s where The Money Store®’s exclusive

territorial branching model can help.

For nearly 40 years, The Money Store® has been synonymous with mortgage

lending in America. A strong brand is invaluable as the battle for customers

intensifies day by day. After all, your brand is the source of a promise to your

customer. It’s a foundational piece in your marketing communication and

one you do not want to be without. The Money Store®’s strong dynamic

brand name exudes stability and professionalism and has weathered the test

of time.

Isn’t it time you put your success behind the only remaining independent

brand that can shine and compete in today’s environment against the big

banks?

Grow Your Business With A Trusted Brand Name

INCREASE

REVENUES

The average company

that has joined The

Money Store® has

reduced operating

costs by 30% and

increased revenues

by 50%

The Money Store® remains a leader in the reverse mortgage market by

recognizing the opportunities in the approximate $3 trillion in housing wealth

among older Americans.

With rising mortgage rates, the refinance business will continue to decline except

for the reverse sector, which is not rate sensitive and will continue to be strong .

We position you to grow your market share not only through the reverse

business, but through the ability to provide a diverse set of products. With

multiple business lines, you will have the ability to adapt to the ever changing

market needs, with the backing of a strong organization— the perfect hedge to

your purchase business.

Utilizing Our Unique Opportunities and

Business Strategies

A BROAD BUSINESS BASE LIES THE FOUNDATION FOR SUCCESS

Competitive Rates and Fee Schedules GIVING BRANCH MANAGERS FREEDOM TO MANAGE TO BEST MEET THEIR MARKET NEEDS

Our branch managers may set their own product specific margins for distribution

to their Loan Officers. As a direct lender, the branch manager can increase or

decrease their margins to remain competitive in his local marketplace and

improve his branch’s profitability.

With corporate’s Fannie Mae Seller Servicer approval, FHA Direct Endorsed

Non-Supervised Lender approval, VA Automatic approval , USDA Guaranteed

Rural Lender status and seasoned capital markets group, the best loan products

are always available with low rates that are consistent and competitive.

As for pricing adjustments, we only publish those adjustments required by the

agencies. We also underwrite directly to their guidelines and have no overlays

restricting qualifications. We can even make FHA loans to 580 FICO.

The branch’s loan officers will have access to all loan products and their specific

rates through our technology for pricing and loan scenarios.

The Money Store®’s fundamental infrastructure provides a level of

support that allows you to execute your closings on-time, every

time. Our support begins with LOS and process training and

continues during each step of your growth to the prosperity and

successes you desire.

Whether you are a whole branch or a single loan officer, a

partnership with The Money Store® comes with a comprehensive

support package that includes the following:

A Team of Professionals Providing Outstanding Support

OPERATIONAL and ORIGINATION SUPPORT CORPORATE and ADMINISTRATIVE SUPPORT

The Money Store®’s management team and administrative

support gives our partners the dynamic resources to

manage the bottom line, take advantage of growth

opportunities, recruit an elite staff and maximize your

earning potential.

Human Resources department takes care of

everything from hiring & payroll, to health, dental

& 401k benefits. The Money Store’s strong HR

department ensures accurate and timely payroll and

your compliance with all state and federal laws

Full accounting support for payment and

reconciliations accounts payable, payroll, invoices

and all loan funding revenues

IT services including the initial setup and maintenance of

your branch technologies

Both web based and on-site training available

On-staff graphic design and marketing collateral with

compliance oversight

Marketing Services Agreements (MSA) set-up and

oversight

Compliance Department to ensure all activities are

compliant

State and NMLS licensing professionals assist with your

needs and renewals

Fundamentals focused on 100% retail, that is our culture

Fully Delegated FNMA, FHLMC, FHA, VA, Jumbo, USDA, 203K, and Reverse Mortgages

Dedicated underwriting and processing coordinators for each location. Originate enough loans and we’ll put an underwriter in your office

A scenario desk staffed by industry veterans that are available to answer any questions about underwriting guidelines and loan products

A nationally experienced closing department that is seasoned in all of our markets.

Compliance support for disclosures, RESPA, & other needs.

eDisclosures available for all of our loan products

Encompass LOS with proprietary add-ons provide you with transparent status and efficiency

Pricing and Scenario Engine for all products and best execution

Broad range of products and investors outside agency thresholds

A management team that exudes a sense of urgency and understands “everybody sells”. This retail culture gives our partners confidence that their dead lines and promises will be met.

An Exceptional Executive Team DEFINING SUCCESS THROUGH SOLID LEADERSHIP

Morton Dear, Chairman

Morton Dear, Executive Chairman of the original Money Store of 1967, was

the pioneer and visionary in developing The Money Store brand, taking it

public and selling it to First Union in 1997. He developed the process of

bundling mortgages to be sold to investors, changing the mortgage industry

forever. Today, Morton Dear remains active in the mortgage industry with

continued out of the box thinking as a key to the success of The Money

Store.

David has an innate ability to work with the investor community to create a

product mix that allows our production group to succeed. His market savvy

as it relates to executing whole loan trades and managing the corporate

hedge position is excellent. He is a visionary with a bias to action, delivering

incredible results with a passion for excellence, and has a keen sense of

market dynamics. His strength lies in the ability to think strategically, man-

age tactically and understand operationally. He has a very strong business

acumen; excellent quantitative ability, planning/organizational, analytical

and problem-solving skills which translate into achieving dramatic results.

David Zilberman, EVP Secondary Marketing

The Money Store®

Building Trust

Creating Integrity

within Our Workplace

Facilitating Success

Lawrence Dear, President & CEO The Money Store®

Lawrence Dear opened MLD Mortgage Inc. in 1995, with his father Morton

Dear. Morton Dear, Executive Chairman of the original Money Store of

1967, was the pioneer and visionary in developing The Money Store brand,

taking it public and selling it to First Union.

Larry Dear, purchased back The Money Store® name when he opened

MLD Mortgage Inc., to continue to develop the recognized brand into a

successful national brand.

ROBUST GROWTH

Licensed in more than 40 states with

offices nationwide, steady growth

increases our national presence

RECENT MERGERS AND ACQUISITIONS

PROVIDE A STEADFAST FOUNDATION FOR

A RESILIENT ORGANIZATION

We believe that a merger without a clear and realistic vision may

lead to not having a “good fit” for both parties. Identifying the

strengths and weaknesses is a critical factor in pre-merger analysis

and a task that is not underemphasized by The Money Store.

Integrating cultures requires paying close attention to potential

cultural misalignments and developing a strategy that represents a

combination of the best of both cultures.

Our M&A experts can help you with:

Creating Exit Strategies

Corporate Market Valuations

Financial Analysis

Extensive National or Regional Marketing Campaign

Analysis and Negotiation of Definitive Agreements

The Money Store® has shown steady growth increasing it’s

lending reach to more than 40 states. With physical locations

nationwide, The Money Store® continues to open new branches

throughout the country.

A successful mortgage lender is not the result of pricing,

products or systems, it is made successful by its people. If the

parties are not compatible, the venture is destined for failure.

The Money Store® recognizes the importance of developing a

vision when entertaining a merger or acquisition.

Recent Mergers and Acquisitions

EFFECTIVE BUSINESS

PARTNERING

Our business partners find a reliable,

trusted partner with The Money Store.

INCREASING PURCHASE BUSINESS VIA REALTOR RELATIONS

When joining The Money Store®, we are confident you will find our expertise and advice on acquiring and building Realtor

relationships is one of the best. We assist and advise our partners on solidifying these relationships with compliant Marketing

Services Agreements (MSA) that are effective lead generators and profitable for both the branch and the Realtor Broker. This

can substantially increase the branch’s business as well as its margins.

ADVANTAGES OF BRANCHING WITH THE MONEY STORE®

Recognized, Trusted Brand Name

Direct Lender

Diverse Product Line

Retail Focused

Effective Business Partner

Fannie Mae Seller Servicer Approved

FHA Direct Endorsed Non-Supervised Lender

VA Automatic Approval

USDA Guaranteed Rural Lender

Seasoned Capital Markets Group

Committed leadership Team

Experienced Operations Support

Dynamic Corporate and Administrative Support

Encouraging Effective Business Partnering

ENCOURAGING BUSINESS PARTNERS VIA OTHER UNIQUE STRATEGIES

At The Money Store® we encourage business partnering with professionals from many industries. We have branches that

effectively partner with professionals within the financial industry such as, Certified Financial Planners, CPAs, Lawyers, and

others. We can offer mortgage financing options as part of their solution in meeting some of their clients’ needs.

We also support business partnering with employers, associations, and other groups, such as fire fighters and business owners,

offering our diverse products to their employees and members. We understand that finding a trusted company to provide

mortgage services can be difficult, and our guidance and support offer peace of mind to their employees and members.