Welcome Home Program is a service offered by UNFCU Financial Advisors in partnership with your organization or institution. Copyright © 2008 All rights reserved.

Generate New Donations for Your Organization

Proprietary Notice: This presentation includes data that shall not be disclosed outside the company and shall not be duplicated, used, or disclosed - in whole or in part - for any purposes other than to review this presentation. This restriction does not limit the company’s right to use information contained in this presentation if it is obtained from another source without restriction. Each sheet in this presentation is subject to the above restriction.

UNFCU Financial Services, LLC

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Program Overview

Quite Simply: enlist your corporate sponsors to add this program as a voluntary benefit and we will make a donation to your 501(c) (3) organization for every person that uses the program.

Proprietary Notice: This presentation includes data that shall not be disclosed outside the company and shall not be duplicated, used, or disclosed - in whole or in part - for any purposes other than to review this presentation. This restriction does not limit the company’s right to use information contained in this presentation if it is obtained from another source without restriction. Each sheet in this presentation is subject to the above restriction.

UNFCU Financial Services, LLC

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Real Estate Assistance Program

Features & Benefits• No cost to the company or employees to participate • Personal Specialist to provide guidance and advocacy

through the move process• Referral to high performing, Affinity certified agents in

closed broker network• Cash-back based on the purchase and/or sale price of

a home (in most states)• Convenient access via web or phone (Monday – Friday,

7:30am – 8:00pm and Saturday, 8:30am – 5:00pm CST)

Proprietary Notice: This presentation includes data that shall not be disclosed outside the company and shall not be duplicated, used, or disclosed - in whole or in part - for any purposes other than to review this presentation. This restriction does not limit the company’s right to use information contained in this presentation if it is obtained from another source without restriction. Each sheet in this presentation is subject to the above restriction.

UNFCU Financial Services, LLC

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Affinity Program Offerings

Real Estate Assistance (Buying & Selling)

Budget Truck Rental (Self Moves)

HomeExpress (Vanline Services)

PODS (Portable On Demand Storage)

Rental Assistance

Menu of Services

Proprietary Notice: This presentation includes data that shall not be disclosed outside the company and shall not be duplicated, used, or disclosed - in whole or in part - for any purposes other than to review this presentation. This restriction does not limit the company’s right to use information contained in this presentation if it is obtained from another source without restriction. Each sheet in this presentation is subject to the above restriction.

UNFCU Financial Services, LLC

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Your employee receives cash back when they buy and/or sell through the program recommended agent.

If employee “buys” and “sells”, they could receive two bonuses. Cash Back Provided in most states (prohibited in NJ, MS, OK, AK, LA and program is not available in IA)

Sale/Purchase Price Rebate

< $75,000 $175

$75,001 - $125,000 $350

$125,001 - $175,000 $525

$175,001 - $225,000 $700

$225,001 - $275,000 $900

$275,001 - $325,000 $1,100

$325,001 - $375,000 $1,300

$375,001 - $450,000 $1,500

$450,001 - $550,000 $1,550

$550,001 - $650,000 $1,600

$650,001 - $750,000 $1,800

$750,001 - $850,000 $2,000

$850,001 - $950,000 $2,220

$950,001 and above $2,400

Cash Back

Proprietary Notice: This presentation includes data that shall not be disclosed outside the company and shall not be duplicated, used, or disclosed - in whole or in part - for any purposes other than to review this presentation. This restriction does not limit the company’s right to use information contained in this presentation if it is obtained from another source without restriction. Each sheet in this presentation is subject to the above restriction.

UNFCU Financial Services, LLC

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Our Program Broker Network“Best of the Best”

• Market Leader with Proven Track Record• Contractual Obligations• Single point of contact: relocation department

“Brokers are Measured”• Service performance surveys to employees (Interim/Final) • Monthly metrics (mortgage conversion of our partners mortgage

products)

Utilize “A” team of Agents• Committed to affinity business model / service excellence• Minimum 2 years full-time experience / 1 year community resident• Participate in on-going affinity training and certification

(2 trainings required / year)• Background check required

Proprietary Notice: This presentation includes data that shall not be disclosed outside the company and shall not be duplicated, used, or disclosed - in whole or in part - for any purposes other than to review this presentation. This restriction does not limit the company’s right to use information contained in this presentation if it is obtained from another source without restriction. Each sheet in this presentation is subject to the above restriction.

UNFCU Financial Services, LLC

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Our Program Partner

Who are Realogy and Cartus?• Realogy is the world’s largest Real Estate

franchisor. • Cartus has over 50 years relocation

industry experience, Affinity programs since 1989

• 2,800+ employees worldwide• 100,000+ corporate/member moves

per year

Proprietary Notice: This presentation includes data that shall not be disclosed outside the company and shall not be duplicated, used, or disclosed - in whole or in part - for any purposes other than to review this presentation. This restriction does not limit the company’s right to use information contained in this presentation if it is obtained from another source without restriction. Each sheet in this presentation is subject to the above restriction.

UNFCU Financial Services, LLC

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Welcome Home Program Specialist

Did you know…Specialists receive incentives based on mortgage conversion and service provided to employees

Specialist-Single Point of Coordination

• Identifies Employee's Home Event needs • Counsels on buy / sell process• Immediately notifies broker for same day agent

contact (electronic connectivity)• Sets expectations for next steps • Performs 7-9 proactive follow up calls • Acts as advocate for your employee • Resolves issues

Proprietary Notice: This presentation includes data that shall not be disclosed outside the company and shall not be duplicated, used, or disclosed - in whole or in part - for any purposes other than to review this presentation. This restriction does not limit the company’s right to use information contained in this presentation if it is obtained from another source without restriction. Each sheet in this presentation is subject to the above restriction.

UNFCU Financial Services, LLC

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Corporationpromotesprogramasemployeebenefit.

Employee accesses informationon corporatewebsite, Welcome HomeProgramwebsite, orcan call1-800-435-5380.

A dedicated Program Specialist willdetermine the employee home buying, selling, renting,mortgage andmoving needs.

The Specialistacts as theiradvocateand provides guidance throughouttheir realestate transaction.

The Specialistrecommendsa participatingReal EstateBroker and refers employee to other related ServiceProviders.

Agent contacts employeewithin 24hours providingexpert service from initialcall to post-closing.

Employee closes on property. Property fundedCash back / Credit issued.Service evaluations mailed.

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How Welcome Home Works

Proprietary Notice: This presentation includes data that shall not be disclosed outside the company and shall not be duplicated, used, or disclosed - in whole or in part - for any purposes other than to review this presentation. This restriction does not limit the company’s right to use information contained in this presentation if it is obtained from another source without restriction. Each sheet in this presentation is subject to the above restriction.

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Marketing

Build Employee Awareness

• Program Flyers• Educational Articles• Newsletters• Corporation Information Desk• Online/ Intranet• Link to Welcome Home Program website.

– (inquiry form / area and housing information)

Proprietary Notice: This presentation includes data that shall not be disclosed outside the company and shall not be duplicated, used, or disclosed - in whole or in part - for any purposes other than to review this presentation. This restriction does not limit the company’s right to use information contained in this presentation if it is obtained from another source without restriction. Each sheet in this presentation is subject to the above restriction.

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Our Process is Simple

Is employee committed to agent? If not, introduce employee to Welcome Home Specialist

Program Specialist counsels employee, reinforces / refers to

mortgage / contacts Realtor

Agent makes same day contact / reinforces mortgage

throughout process

Employee speaks toCorporation Mortgage Loan

Officer

Employee selects prompt or receives call from web inquiry

Employee responds:• Calls program 800 # • Completes web inquiry form

Warm hand-off

Proprietary Notice: This presentation includes data that shall not be disclosed outside the company and shall not be duplicated, used, or disclosed - in whole or in part - for any purposes other than to review this presentation. This restriction does not limit the company’s right to use information contained in this presentation if it is obtained from another source without restriction. Each sheet in this presentation is subject to the above restriction.

UNFCU Financial Services, LLC

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Thank You!

We look forward to “Welcome Home” your employees.

Proprietary Notice: This presentation includes data that shall not be disclosed outside the company and shall not be duplicated, used, or disclosed - in whole or in part - for any purposes other than to review this presentation. This restriction does not limit the company’s right to use information contained in this presentation if it is obtained from another source without restriction. Each sheet in this presentation is subject to the above restriction.

UNFCU Financial Services, LLC

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Contact Us

UNFCU Financial Advisors, LLC

24-01 44th Road

Long Island City, NY 11101

www.unfcuadvisors.com

www.welcomehomeprogram.com

www.EZretirementsolutions.com

Stephen Ryerson

President

T + 1-212-324-3901

F + 1-212-324-3991

C + 1-917-254-9337

sryerson@unfcuadvisors.com