1. …… The Next 25 Years Ron Wivagg Vice President- Retail Lending

2. Embrace…..History F or over 25 + years, Embrace Home Loans, Inc. has been a Retail originator of residential mortgage credit products. Headquartered in Newport, Rhode Island, and employing over 550 people (including over 300 loan officers), Embrace currently does business in 45 states (plus D.C.). We currently have 16 retail mortgage loan branches in NJ, PA, DE, MD, VA, NC, GA, FL and MO with additional opportunities available. In 2008, Embrace originated $1.3 billion of loans for 10,384 customers and in 2009, exceeded $3B as a result of an aggressive growth strategy . We are an approved Seller/Servicer for both Fannie Mae and Freddie Mac, is HUD and Ginnie Mae approved, and an active member in the Mortgage Bankers Association (MBA), the Direct Marketing Association (DMA) and the FNMA Regional Advisory Council. .

4. Embrace…..Excellence Embrace Home Loans maintains an atmosphere where employee appreciation, growth and accountability are its core values. In 2009, 2008, 2007, 2005 & 2004, Embrace was selected as one of the “ Top 25 Best Small & Medium Companies to Work for in America ” 2005 2004 2008 2009 * Selected by the Society of Human Resource Management and the Great Place to Work Institute 2007

5. Embrace…..Leadership Embrace Home Loans management team averages over 15 years of experience at the company. Position Employee Tenure Chief Executive Office Dennis Hardiman 25 President Kurt Noyce 18 Chief Financial Officer Robert Barber 16 Chief Technology Officer Albert Dussinger 14 Chief Underwriter Robert Lamy 20 Secondary Market Director Cheryl Miller 20 Corporate Development Director Claudia Mobilia 20 Chief Compliance Officer Peter Microulis 20 Controller Marion Silverman 15 Human Resource Director Deanna Roy 23 Marketing Director Dana Fortin 12 Training/Recruiting Director Derek Lombard 12 Servicing Director Nancy Jarboe 11 Production Managers 11 Incumbents` 14(avg)

6. Embrace Home Loans financial position is strong. While we have regularly reinvested to strengthen our infrastructure, continued profitability and disciplined cost-management practices have preserved capital, and created a solid cash foundation.. As of 9/30/09 Earnings $ 19,390,228 (pre-tax & charitable giving & owners compensation) Tangible Net Worth $ 47,431,711 Working Capital $ 46,731,097 Cash Equivalent $ 33,591,619 Committed Warehouse Facilities $ 415,000,000 Guaranty Bank, Dallas, TX $35 million warehouse line US Bank, Minneapolis, MN $30 million warehouse line Countrywide/BOA, West Hills, CA $50 million warehouse line $50 million early purchase line GMAC, FT. Washington, PA $75 million warehouse line $75 million repurchase line Wells/Wachovia/Charlotte, NC $100 million warehouse line Embrace…..Financial Strength

7. Embrace…..Service Embrace Home Loans primary operations focus is in providing a superior customer experience. The Embrace sales approach is consultative, needs based and is aimed at best assisting its prospects in improving their financial situation. This customer commitment is focused on bringing a depth of understanding, knowledge, and resources to bear in advising clients as to their financial options. Embrace loan officers are typically “home-grown” and often have prior sales experience. Those officers are provided access to a comprehensive product menu with which to fashion a workable solution for their clients. Additionally, the company surveys customers, as well as prospective customers on a real time basis, daily. Results of these surveys are continuously reviewed in order to find ways of improving the customer experience. Based on the most recent results, more than 98% of Embrace customers surveyed would recommend Embrace to their family and friends.

8. Embrace……The Future! While many of our competitors are losing warehouse lines, trying to figure out new laws, regulations and licensing requirements, or just struggling to survive, Embrace Home Loans is growing. We have the experience, knowledge and track record to not only survive, but prosper and excel. Led by Ron Wivagg (Vice President- Retail Mortgage Sales), Embrace Home Loans will continue to add mortgage branches in many of the economically stable markets across the Mid Atlantic/Mid Western United States. Ron is a 18 year veteran of the mortgage industry and has a successful track record of recruiting, developing and expanding a traditional retail mortgage footprint. Ron and his team are looking for top producing loan officers, loan teams, mortgage companies and existing mortgage branches in NC, PA, NJ, OH, KY and MO. Other opportunities may also be available in other states. If you are interested in joining the Embrace Home Loans team , please contact Ron at: Ron@embracehomeloans.com or 703-496-8272.