CLEARPATH. Loyalty Program LENDING. NMLS:

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1 CLEARPATH LENDING Loyalty Program NMLS:

2 Our Oath, Our Pledge, Our Loyalty ClearPath Lending is a nationwide mortgage lender committed to going above and beyond to satisfy its clients mortgage needs. Customer satisfaction is the driving principle behind ClearPath s Lending practices. ClearPath consistently prioritizes its clients financial goals by providing the most beneficial mortgage solutions available. Our Oath, Our Pledge, Our Loyalty CLEARPATH LENDING

3 Loyalty Program Benefits Loyalty benefits may include: Lower your current interest rate at no additional cost and move into something a little more comfortable. Loyalty is more than just a word to ClearPath Lending it s a passion and it s the guiding principle behind ClearPath s foundation. The team at ClearPath Lending would like to take the opportunity to explain the many benefits you can expect as a client of the Loyalty Program. You will have full access to the same trusted individuals who helped you with your original transaction. During the servicing of your loan, we will monitor the market rates on your behalf to make sure that you are not paying more for your home than you should. Once a lower rate is available to you, we will contact you and notify you immediately. The best part is you don't have to provide any documentation to initiate the process. We believe in maintaining long-term relationships and we understand that you have the option to work with many other lenders. For this reason, our Loyalty Department helps ensure that you benefit from the lowest possible rate with the most favorable terms. In return, we benefit from being able to retain your business. This program is not only intended to help protect your financial interests but to make the overall experience easy and even enjoyable. Lower your current monthly payment and possibly save hundreds. Potentially defer up to 2-months of your mortgage payments. Options to keep your loan term exactly where it is currently. Work with the same trusted experts that helped you with your original loan. We will monitor interest rates on your behalf. No additional documenation needed as we already have most documents on file. Loyalty Program Benefits No lender fees and no finance charges added to the principal balance. Potentially close your loyalty loan in as little as 14 days.

4 Loyalty Program Timeline ClearPath Lending provides our borrowers with a beneficial loan program. Borrower(s) are automatically enrolled in the Loyalty Program once your first loan funds with ClearPath. To become eligible, borrower(s) must make a minimum of 3-6 payments on the new loan. 1st payment is made towards the mortgage. The enrollment into the Loyalty Program continues and the borrower(s) is provided with the monthly updates from the Loyalty Department. 2nd payment is made towards the mortgage. The Loyalty Department prepares for the analysis of the borrower s loan to explore their new options. 3rd payment is made towards the mortgage. Once a lower rate is available to you, we will contact you and notify you. However, at anytime borrower(s) may contact the Loyalty Department for an update. We will start the Loyalty Process. Eligibility for the Loyalty Program officially begins. Borrowers can expect to sign their final loan documents in the presence of a notary in as little as 14 days. Borrower accepts new terms of their mortgage program provided by the Loyalty Department and ensures additional savings. The borrower is once again enlisted in the Loyalty Program. Loyalty Program Timeline

5 Testimonials Ben W. My experience with ClearPath Lending was 100% positive. By being in the Loyalty Program, I was able to quickly take advantage of market rate reductions with minimal paperwork. Throughout the entire process I felt confident that my loan officer was focused on securing me the best rate available. The loan officer was also extremely proficient at communicating details of the rate reduction process and always kept me well informed. I highly recommend the ClearPath Loyalty Program. ClearPath Lending will be my refinancing company forever. ClearPath Lending is incredible and their loyalty program is among the best I have ever come across. I had some issues and wasn t sure I would ever qualify for a loan. I explained my situation and I got to see them work their magic. ClearPath Lending worked incredibly hard for me and was able to obtain a good rate for my refinance. My Loan Officer explained ClearPath Lending s loyalty program and he told me he would call me if the rates drop. Well, he was right. He did get me another loan with a lower rate with no out of pocket expenses. In all, my wife and I have refinanced three times now with ClearPath Lending, using their Loyalty Program. Each time ClearPath was able to lower our interest rate. And there were no fees or out of pocket expenses for the refinance. They covered everything. If you re thinking about refinancing with this company, I highly recommend them. One of the positives I really liked about ClearPath Lending was I was always able to talk to someone if I had a question. My Loan Officer was always available to answer any questions I had and kept me informed about the progress of the refinance. This is a great company with great employees. Thanks again ClearPath Lending, you guys are awesome. Michael B. Scott L. ClearPath Lending was exceptional. This was the second time they helped us with our home loan, and we were not disappointed. They took care of everything from A to Z, and made sure to keep us informed at every step of the way. I would highly recommend ClearPath Lending to anyone who would like a hassle-free and friendly experience. Each time I ve worked with ClearPath Lending, it s been a terrific experience. They have helped me with understanding the process and was quick to respond. They even worked around my crazy work schedule, and without fail, I ve seen a significant reduction in my mortgage payments. I would work with them again without hesitation. I was exceptionally Gwen G. happy with the way my loan was handled the first time. ClearPath Lending is so easy to work with. They followed up exceptionally well. I have put through a number of loans in my lifetime, and the loans they work with are the smoothest, I have ever dealt with. I have been so pleasantly surprised to find that I only had to resubmit earning statements, and that is all!! No money out at all! If I hadn t wanted cash out, I wouldn t have had to do anything! I tell everyone who even mentions a loan about your company! I am one exceedingly happy Borrower! Noelle A. I am very pleased to write this review about an amazing experience working with ClearPath Lending. This is my second time closing a loan with ClearPath and couldn't have asked for a better or smoother transaction. They are a pleasure to do business with. I would highly recommend them to anyone who is thinking of refinancing. Anna G. Testimonials *Testimonials are factual and are from actual customers of ClearPath Lending.

6 Frequently Asked Questions How long do I have to wait before my eligibility for the Loyalty Program begins? Typically, you have to make at least 3 payments on time with the servicer of your loan. However, there are times where the borrower must make 6 payments depending on the loan program they are currently enrolled in. What does the Loyalty Loan Program mean for me? The Loyalty Loan Program means that you will never have to call another advertisement you receive in the mail or wonder if you qualify for a lower rate in the future. We do the work for you! We will monitor your interest rate during the servicing of your loan and should market conditions improve, we will gladly extend to you a lower rate with a lower payment. This sounds too good to be true. Why does ClearPath Lending offer the Loyalty Loan Program? It s quite simple. If rates go down after we close your loan, we understand that you may look to refinance elsewhere and possibly lower your rate. For that reason, we make sure to contact you before you contact someone else. The main objective of the Loyalty Program is to keep our relationship with you and help you with all your future mortgage related needs. The last thing we want is to lose your valuable business to a competitor. That is why we put together one of the most comprehensive and desired mortgage loan programs in the industry. We call it the Loyalty Loan Program. ClearPath Lending transferred the servicing of my loan to another lender, does this mean that I am no longer eligible for the Loyalty Program? ClearPath Lending currently does not service loans. Regardless of who we transfer the servicing of your loan to, your eligibility for the Loyalty Program will stay intact with ClearPath Lending. Can I possibly lose my eligibility for the Loyalty Program? There are a few instances where ClearPath Lending reserves the right to withdraw your eligibility for a refinance through the Loyalty Program. If you miss any monthly payment obligations with any of your creditors or fall behind more than 30 days on your existing mortgage, you may lose eligibility for a refinance through the Loyalty Program. If I am offered a rate reduction under the Loyalty Program will I have to start the entire process of refinancing again? Yes and no. Yes, you will still have to sign initial disclosures which will acknowledge the change in terms of your loan and yes you will have to sign your final loan docs in the presence of a notary. However, you will generally not have to start a new application or provide any type of documentation to us. Because we have everything on file from your previous refinance, the Loyalty loan process is more seamless and takes less time to complete. Who will be my point of contact during the process of my Loyalty Program? The loan officer and loan processor who helped you with your first refinance will both be assigned to your Loyalty refinance. Frequently Asked Questions My current servicer offered me a lower rate with no costs, is this the same offer as the Loyalty Program? It is important to note that any offer you receive from your current servicer is from their retail department, which we have no affiliation with. The offer you receive from them is not part of our Loyalty Program and in some cases, the terms of their offer may be less favorable than our Loyalty Program offer. Are there any costs with the Loyalty Program? No, there are no costs associated with the Loyalty Program. However, in some cases, you may be eligible for multiple refinance options. A no-fee, no-finance charge option will always be available. Other options with even lower interest rates may also be available, but discount points or other costs may apply. Is my eligibility under the Loyalty Program a one-time usage? No, when you closed your first loan with ClearPath Lending, you were automatically enrolled in the Loyalty Program. However, each time you refinance your mortgage through the Loyalty Program, you will have to complete a minimum of 3-6 payments on the new mortgage depending on the loan type for your eligibility to begin once again. Can I call the Loyalty Department at ClearPath Lending to see if I qualify for a rate reduction? You can absolutely call us to see if you are eligible for a rate reduction under the Loyalty Program. Please reference your eligibility number which can be found on your Loyalty certificate provided in your kit when calling us at. You can also loyalty@clearpathlending.com for any inquiries. Once again, please be sure to reference your eligibility number if you choose to over phone contact.