Q-L.O.S. – Mortgage Business Plan Consultancy

“Plug into the Secondary Mortgage Market with Q-L.O.S.”

Proprietary and Confidential 1

Q-L.O.S. – Business Plan Creation

• The Q-L.O.S. Business Plan Consultancy Defined

• Review Current Mortgage Platform Offerings

• Local Competitor Review

• Target Market Identification

• Marketing Strategy

• Profit & Loss Model Creation & Iteration

• LO Compensation Plans

• Launch Planning & Goal Setting

Proprietary and Confidential 2

Q-L.O.S. Business Plan Consultancy

• Leveraging the insights, data, intellectual capital, technology, mortgage expertise, and human capital within Quicken Loans, we will provide our Q-L.O.S. partners a no cost Business Plan Creation consultancy to get you off the ground in the Secondary Mortgage Market.

Proprietary and Confidential 3

Your Current Mortgage Platform

Proprietary and Confidential 4

Portfolio

Products?

Portfolio

Products?

HELOC Closed End Closed End

2nds

Construction Construction

Loans

Competitor Review

Proprietary and Confidential 5

Competitor Review

Proprietary and Confidential 6

• Gather data on your marketing & census tract markets

• Study your local competition from a bank & mortgage standpoint

• Review & Analyze your competition in terms of pricing, rates, and fees

• Make recommendations as to pricing placement & LO Compensation

• Work with you to develop local marketing strategies tailored to helping you effectively

compete locally

Target Market Identification

Proprietary and Confidential 7

• Gather data on your marketing & census tract markets

• Review data on your client or member base

• Review & Analyze other nearby markets where mortgage marketing would be

effective

• Aim your resources, with our marketing help, directly at the intended target market

both in terms of clients/members and geography.

• Your target market for mortgages will extend well beyond your branch footprint

Marketing Strategy

Proprietary and Confidential 8

• We will work with you to develop your own custom marketing strategy including the

contemplation and a strategy for:

• Digital Marketing (Social Media, emails, webinars, lobby TV)

• Direct Marketing (Teller materials, buck slips, mailers)

• Website review and upgrade

• Press Release

Profit & Loss Model Creation

Proprietary and Confidential 9

• We will work with you to develop your own custom Profit & Loss forecast with a fully

developed budget and plan.

LO Compensation

Proprietary and Confidential 10

• We will work with you to develop your own competitive Loan Officer compensation

plan that will help you motivate branch personnel into participating actively in your

mortgage strategy.

Launch Planning

Proprietary and Confidential 11

• We will work with you to develop your own custom Launch Plan to enter the mortgage market with our Q-L.O.S. solution.

• Have you purchased Q-L.O.S. yet from Calyx?

• What is your launch marketing plan?

• Are your LO’s appropriately registered with NMLS?

• Etc.