preferred access to your

mortgage servicer

AYM is based on the vision that all

homeowners that are considering

refinancing ought to be provided an

opportunity to discuss their refinancing

options and alternatives with their

current mortgage servicer. The

homeowner can then determine if

refinancing is truly in their best interest.

Copyright © 02/2015 AboutYourMortgage.com LLC

preferred access to your mortgage servicerSM

AboutYourMortgage.com (AYM)Provides mortgage customers the opportunity to discuss their options with their servicer.

US Patent # 8,660,939 “Method for Mortgage Customer Retention”

preferred access to your

mortgage servicer

What’s the Problem?

Homeowners often make costly mistakes

when refinancing because they do not

know the “facts” about the mortgage they

already have.

Mortgage servicers have the “facts” but do

not have the opportunity to compete with

mortgage originators.

“A pessimist sees the difficulty in every opportunity; an optimist sees the

opportunity in every difficulty.”

― Winston S. Churchill

preferred access to your

mortgage servicer

If Your Answers is “NO” to All the

Questions Below You don’t Need AYM

1. Do you agree that Homeowners often make costly mistakes when refinancing because

they do not know the “facts” about the mortgage they already have? Yes or No

2. Do you have any forewarning before a customer switches to another servicing

competitor through a refinance? Yes or No

3. Would you like to have the opportunity to discuss with your customer those facts that

could literally save them thousands of dollars before they refinance with a

competitor? Yes or No

4. Would you agree that many of the servicing complaints that the CFPB received

would not have been filed if the borrower had one conversation with their mortgage

servicer before filing the complaint? (1) Yes or No

5. Would you be open to learning about a patented process that can funnel your existing

customers, who may be thinking about refinancing, to your company first where you

will have the opportunity to discuss their refinancing options? Yes or No

(1) According to the CFPB annual report for 2013, in 66% of all mortgage cases filed, consumers did not dispute the

company’s response. Just 7% closed with non-monetary relief and only 2% closed with actual monetary relief.

preferred access to your

mortgage servicer

The Solution

Started With a Patent

US Patent # 8,660,939

AYM’s Method for Mortgage Customer Retention

Summary of the Invention …

It is an object of this invention to provide a customer retention

solution which links mortgage customers who are contemplating

refinancing their mortgage with another lender back to their

existing mortgage servicer, thus providing the servicer the

opportunity to offer their customer valuable information about

the customer’s existing mortgage, a home equity loan,

refinancing options, bi-weekly mortgage payments, mortgage

modification and/or other products that the servicer offers.

preferred access to your

mortgage servicer

Customers’ View of

“Method for Mortgage Customer Retention”

1) Customer goes online to find best lender to refinance mortgage.

refinance

LendingTree– Compare Loan Offers in Minutes!

Quicken - Refinancing doesn’t have to be so hard. …. further down page one

AboutYourMortgage – Talk to your

mortgage servicer before you refinance.

This small step could save you

thousands of dollars!

2) Customer clicks onto AboutYourMortgage

website for more information.

Find out what your mortgage servicer will do to keep your business.

Use our exclusive link below to identify your mortgage servicer and speak with a dedicated customer care specialist:

Link to YOUR Mortgage Servicer

Customer Care Agent

Note: Companies listed are strictly for illustrative purposes only and no affiliation is implied nor should be inferred. Company names and products listed are trademarks of their respective owners.

Preferred Servicers pay AYM for each existing customer

lead that is referred to them.

preferred access to your

mortgage servicer

Customers’ View of

“Method for Mortgage Customer Retention”

3) Customer (or AYM) identifies current Servicer and customer selects product.

Choose your current mortgage

servicer from list provided below:

5) Servicer, or servicer’s selected customer care specialist assists customer to determine if refinancing is the best option.

Hello David, thank you for being a valued Wells Fargo Home Mortgage Customer for the past five years!

I understand you want information on refinancing your mortgage. Is this correct?

Choose product you are most interested in.

Wells Fargo Home Mortgage

Refinance

4) a) Customer request verification via MERS/CR

b) Borrower/Servicer ID generated.

c) Lead sent to Servicer’s directed Portal.

Note: Companies listed are strictly for illustrative purposes only and no affiliation is implied nor should be inferred. Company names and products listed are trademarks of their respective owners.

AYM

Step 4

AYM’s Process to Increase Customer Retention

Servicers Pay AYM a Fee for Referral =

Customer answers a few

simple questions and

provides most recent

contact information.

AYM’s conduit processes the

Customer’s answers to

determine the Servicer and

then routes the information to

the portal pre-determined by

Servicer or AYM.

Customergiven

Priority Response*Servicer’s

departments may be

internal or external

as directed by

servicer

Customer searches online for

mortgage refinance or loan

information.

*Unlimited portals available

Customer Retention

Servicer’s directed

Customer Retention Specialist

Refinance

Servicer’s directed

Refinance Portal

Home Equity Line/Loan

Servicer’s directed

Equity Line Loan Portal

Biweekly

Payments

Unlimited Additional

Portals

Various AYM and Servicer’s

directed Portals

BiSaver or Servicer’s directed Portal

AYM income

AYM’s Process to Reduce Reputational Risk

Servicers Pay AYM a Fee for Referral =

Customer Complaints

Servicer’s directed

Complaint Portal

Late Payments

Servicer’s directed Portal

Mortgage Modification

Servicer’s directed Portal

Escrow Questions

Servicer’s directed Portals

Foreclosure or Bankruptcy

Servicer’s Directed

Default/Legal Department

Customer answers a few

simple questions and

provides most recent

contact information.

AYM’s conduit processes the

Customer’s answers to

determine the Servicer and

then routes the information to

the portal pre-determined by

Servicer or AYM.

*Unlimited portals available

Customer searches online for

mortgage refinance or loan

information.

*Servicer’s

departments may be

internal or external

as directed by

servicer

Customergiven

Priority Response

AYM income

preferred access to your

mortgage servicer

AYM will be Successful by Focusing on Building

Relationships with Mortgage Servicers

1) Maintaining a high presence on search engines and the

Internet with a secure and robust website where homeowners

will find the alternative to conventional mortgage lead

generators.

2) Maintaining a strong visible sales force working directly

with mortgage servicers.

3) Providing consistent, high-quality service.

4) Exhibiting a sense of urgency when problems arise.

5) Performing work at reasonable prices.

preferred access to your

mortgage servicer

Who’s Our Competition?

There is no existing competition for AYM.

Mortgage lead generators sell mortgage leads

to mortgage originators; they do not send

homeowners back to their mortgage

servicers.

The reputational risk to mortgage servicers

working with a company that may be

infringing on AYM’s patent protects our

business model.

preferred access to your

mortgage servicer

AboutYourMortgage.com LLC’s

Management Team

Tim Allen CMB, CEO & Co-Founder - Tim conceived the idea for AboutYourMortgage.com in 2000, and has worked

steadily to bring his concept to patent and fruition. Tim is a leader in the mortgage lending industry with over 20

experience building successful sales teams. He has held regional sales managerial positions for Barnett Bank, JPMorgan

Chase, National City and SunTrust. Tim is the 2012 Recipient of MBA of Florida’s Outstanding Mortgage Banker of the

Year - The Brown L. Whatley Award. He also holds the Mortgage Bankers Association’s Certified Mortgage Banker

(CMB) designation which is the standard of professional success in the real estate finance industry. Tim is a past president

of the Mortgage Bankers Association of Florida, a subject matter expert for Florida’s SAFE Mortgage Loan Originator

course and exam, and a former member of the Fannie Mae Advisory Board for South Florida.

Edward E. Wollman, General Counsel & Co- Founder - Ed is the co-inventor of the “Method for Mortgage Customer

Retention” and the second member of the AboutYourMortgage team. He is a Florida board certified attorney with LL.M. in

taxation. Ed was named a Florida Super Lawyer in 2007 - 2014 in the annual Florida Super Lawyers edition of Law &

Politics. An attorney with over 25 years experience maintaining a successful law practice, Wollman, Gehrke & Solomon,

P.A. in Naples Florida, Ed brings AboutYourMortgage.com LLC substantial skills in business oversight.

William R. Daniels, COO & Chief Customer Officer - Bill focuses on the benefit to the customer. Bill’s customer

experience spans the continuum from origination through servicing, quality and compliance. A Northwestern University

and Kellogg graduate, Bill held management positions at Raymond James Bank, PHMC, Radian, Wells Fargo Home

Mortgage and the mortgage technology company EBS. Bill Chaired the MBA’s Quality Assurance Committee, Chaired

the California MBA’s Mortgage Quality and Compliance Committee, served as Founding Member of the Florida Quality

Council, currently serves as President of the Tampa Bay MBA, and Presidents’ Liaison to the Florida MBA. Bill wrote the

Servicing Quality Assurance Plan used by the MBA and correspondent quality program that exceeded the GSEs’

requirements.

Everett Teague, Chief Technology Officer - Everett is in charge of managing website development, marketing,

advertising, Internet communications, and online marketing and branding for AYM. Everett brings over 20 years of senior

level website development management, public relations, Internet branding and marketing, to AboutYourMortgage.com.

Currently Everett is Founder/President - ET Digital Media, a web development, marketing, branding, and digital publishing

company. Everett also served as Web Administrator for First South Bank's e-commerce project;

FloridaMortgageDirect.com and continued in that role with BB&T after their purchase of First South Bank. Everett also

teaches evening classes in the Strategic Communications program at Flagler College-Tallahassee.

preferred access to your

mortgage servicer

AboutYourMortgage.com

Advisory Board

Nitin Dave - has 35 years’ experience in Mortgage Banking, Consumer Banking, Investment Banking, Commercial

Lending, with a Focus on “Mortgage Servicing operations and Secondary Marketing executions via Cash and

Securitization”, 25 years at Fannie Mae, and currently as VP of Servicing & Securitization at Southern Trust. Mr. Dave’s

background includes demonstrated skills in Marketing Account Management, was the relationship manager for Fannie

Mae’s top 25 mortgage servicer accounts and made substantial contribution to Fannie Mae’s Congressional Goals through

Emerging Markets outreach, Loss Mitigation, Servicing, Default Administration, Foreclosure, Bankruptcy and REO

Administration, Operations, Financial Management, Represented Fannie Mae & The Urban Institute to develop

International Housing Finance System in Russia, China, Slovakia, Greece, Poland, Thailand, & South Africa.

Wade Hamby - has an extensive background in mortgage lending, mortgage insurance, and mortgage outsourcing. Mr.

Hamby is the National Director of Sales and Marketing at The StoneHill Group, Inc. He was with AmeriCU Mortgage as

Vice President of Business Development for the Southeast. He worked with Triad Guaranty as Vice President, Division

Manager and with Hovde Financial in Washington, D.C. as a Vice President providing M&A services to depositories in the

Mid-Atlantic and Southeast region. Hamby’s mortgage banking industry experience also includes risk management, loss

mitigation, fulfillment services, wholesale and correspondent relationships. Mr. Hamby is the 2013 Recipient of MBA of

Florida’s Outstanding Mortgage Banker of the Year - The Brown L. Whatley Award.

Tom Kuehne - is the former CEO and Chairman of the Board at BiSaver and presently serves as SVP and Advisor to the

company. Mr. Kuehne is a veteran of many years in the mortgage banking business in the U.S. Thomas L. Kuehne has been

with the Douglas-Michaels Co. since 1991, serving as President and Chief Operating Officer. Prior to Douglas-Michaels,

he was executive vice-president; chief operating officer and managing director of the Reserve Financial Management

Corporation, which is an Investment Banker to the banking and finance industry. Mr. Kuehne was also executive vice-

president of Metmor Financial in Los Angeles, which was the Mortgage Banking Division of Metropolitan Life Insurance

Co. Before that he was the senior vice-president executive director of sales for Verex Corporation, one of the largest

mortgage insurance companies in the United States.

preferred access to your

mortgage servicer

AboutYourMortgage.com

Advisory Board - Continued

Samuel A. McCullough - serves as President and Chief Executive Officer of the Griffin Holdings Group LLC. Mr.

McCullough has experience in financing commercial and industrial companies and economic development projects, and in

the financial services industry. He is a Consultant at Griffin Financial Group LLC. Mr. McCullough was a Special

Consultant to Corestates Financial Corp. since July 1, 1996. He was President and Chief Operating Officer of Corestates

Financial Corp. from April 9, 1996 to June 30, 1996. Mr. McCullough served as President and Chief Executive Officer of

Meridian BanCorp. from 1978 to 1996. In 1998, following the merger of Meridian into CoreStates Financial Corp., Mr.

McCullough joined the administration of Governor Tom Ridge as Secretary of Pennsylvania's Department of Community

and Economic Development. He is a Director of Fidelity National Financial, Inc. He serves as a Director of Planalytics,

Inc. Mr. McCullough served as a Director of Corestates Financial Corp. since 1996. He is the past chairman of the

International Financial Conference, a past chairman of the Association of Bank Holding Companies, and a former board

member of both the Federal Reserve Bank of Philadelphia and the Federal Advisory Council to the Federal Reserve Board.

Dan McLaughlin has been redesigning business processes and integrating new technologies in the mortgage banking

industry for more than 30 years. Dan is a founder of MERS and was the architect of the MERS® System, the MERS®

Commercial System and the MERS® eRegistry. Mr. McLaughlin designed the business processes and procedures under

which MERS operates. He has extensive knowledge of eMortgage concepts, eNote adoption strategies and developing and

operating mortgage loan registries. He is experienced in cyber security risk assessment and remediation solutions and

recently founded eCommerce Solutions LLC, a consultancy focused on providing clients with real world solutions for

eliminating paper-based processes, particularly in real estate finance.

preferred access to your

mortgage servicer

AboutYourMortgage.com the mortgage lead

generator for mortgage servicers to retain

their customers.

© 2015 AboutYourMortgage.com, LLC

- All Rights Reserved. Companies listed

other than, AboutYourMortgage.com

LLC, are listed strictly for illustrative

purposes only and no affiliation with

AboutYourMortgage.com, LLC is

implied nor should be inferred. Other

company names and products listed are

trademarks of their respective owners.

Patent No. US 8,660,939 “Method for

Mortgage Customer Retention”

Let us show you how AYM will capture your existing customers that are

searching the Internet to refinance and send them back to your company to

determine if refinancing is truly in their best interest.

AboutYourMortgage.com empowers homeowners, protects mortgage

investors interests and protects revenues for mortgage servicers.

For additional information please contact:

Bill Daniels Tim Allen, CMB

COO & Chief Customer Officer Co-Founder and CEO

Bill@AboutYourMortgage.com Tim@AboutYourMortgage.com

Phone: (813)-220-3134 Phone: (239)-571-5440