Why New Leaf?• A leader in the mortgage banking industry• Ranked in the nation’s Top 37 independent mortgage lenders for 2013 by Mortgage Executive Magazine

– $2.1 Billion in mortgages in 2013• Founded in 1985 with Corporate Headquarters in Calabasas, CA• CEO: Bill Dallas, industry leader and full-service direct lender

– $37+ Billion a year in mortgage origination prior to selling to National City• 92% of customers would refer us to friends or family*• Proprietary Technology• Acquire HBIQ (Home Benefits IQ) in 2012 to focus on Employers and Affinities

Complete Full-range of Affordable Home Loan Products: Fixed and adjustable rate loans Jumbo/Super Jumbo FHA Reverse Mortgages Commercial Loans Full Eagle, Freddie Mac, Fannie Mae, Ginnie Mae approved

*Ellie Mae third party results from sample size of 206 respondents from 7/1/11-10/15/11, based on a 5-pt. scale.

NewLeaf Vision

To establish a intelligent and transparent real estate and lending marketplace that benefits buyers, borrowers and sellers

What we do?• Proprietary online real estate marketplace that empowers consumers to:

– Discover the amount of home they can afford with our “Buying Power” tool– Search for their dream home– Apply for a loan or get a free pre-approval in minutes – Mobile enabled search and lending tools– Track the status of your transaction online 24 x 7

• Custom branding and messaging tailored for your members • Discounted rates and fees for mortgage, real estate, title, escrow and other related home buying

and lending services• “We Pay You” feature that pays a consumer an Affinity rebate• Superior service from real estate and mortgage professionals • Ongoing marketing campaigns that reminds your members of this convenient, transparent money

saving benefit

Lending tool that make it easy and fun to see what you can afford. Pre-approval letters created online in minutes!

New Leaf Lending

Alan Ben-Porat

Real Estate search with the most accurate online listing data

Mobile and Web ToolsMobile and Web tools that empower your members with information and keep them connected to their realtor and mortgage professionals

Patent-pending technology that refunds the consumer at closing

Custom Branding and Messaging

Savings

• Nationally negotiated fees that saves your member 1,000s of dollars– Aggressive online lending rates and fees– Discounted real estate commissions for buying or

selling a home – Discounts for closing and settlement fees

Demo

https://stg.newleaflending.com/FOP https://stg.newleaflending.com/IAFF-FinancialCorp