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Navigating Today’s Mortgage EnvironmentTools and techniques for Successful OriginationsCompany Confidential ©2011 Genworth Financial, Inc. All rights reserved.

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Facing A SituationChange ItA ccept ItL eave It Embrace Acceptance for Success 1

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Consumer US Consumer Trends Your Father’s Oldsmobile Has a Flat 3

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www.smartermi.com 5

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NMLSConsumerAccess.org 7

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LinkedIn.com

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Consumer US Consumer Trends Techno Geek Is there an App for You? 12

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Topappcharts.com 16

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Cardmunch.com 18

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Consumer US Consumer Trends Easy Greenie 22

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DSIREUSA.org 23

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Consumer US Consumer Trends Nice Guys Finish First 24

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Consumer US Consumer Trends Peter Pan Still Lives Here 26

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Referrals 27

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Just helped a wonderful family get into a new home in the Bedford area. What an awesome neighborhood. I know they are going to love it. So happy for them.All Postings Must Comply with State and Federal Law and Your Company’s Social Media Policy 29

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Congratulations on your new home. I know you are going to love it. You have a wonderful family and I wish you the best. Enjoy that big backyard.All Postings Must Comply with State and Federal Law and Your Company’s Social Media Policy 30

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C0nsumer US Consumer Trends My Dollar – Your Non-cents Newsletters 31

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Newsletters Identify Yourself Your Specialty- How You Help Borrowers How Much Business You Do How to Help Yourself Financially- Tax Tips Energy Saving Tips Not Reporting What the Fed Fund Did 34

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Newsletters Identify Yourself Your Specialty- How You Help Borrowers How Much Business You Do How to Help Yourself Financially- Something Fun and Social- Tax Tips Recipes Energy Saving Tips Planning a Holiday Party Not Reporting What the Fed Fund Did Discounts From Partners (Make RESPA Compliant) 36

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AcceptMI Is BackMI Benefits the BorrowerApprovals – Little Money DownCompetitive Monthly Payment TodayLowest Monthly Payment TomorrowTax BenefitsJob Loss ProtectionHomeBuyer PrivilegesHomeowner Assistance for Borrowers in Trouble Accept Your Success 37

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*This Is a Summary Only. Other Restrictions and Requirements May Apply. Consult the GNW Underwriting Guidelines for CompleteDetails and Guidelines. Ask Questions to Your Account Rep or 800 444.5664.mortgageinsurance.genworth.com/cu 38

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Contact InfoSteve Richmansteve.richman@genworth.com919 870-2519Please Join Me –LinkedIn: www.linkedin.com/in/steverichmanFacebook: www.facebook.com/stevelrichman 40

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Legal Disclaimer Genworth Mortgage Insurance is happy to provide you with thesetraining materials. While we strive for accuracy, we also know that anydiscussion of laws and their application to particular facts is subject toindividual interpretation, change, and other uncertainties. Our training is notintended as legal advice, and is not a substitute for advice of counsel. Youshould always check with your own legal advisors for interpretations of legaland compliance principles applicable to your business. GENWORTH EXPRESSLY DISCLAIMS ANY AND ALL WARRANTIES,EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION WARRANTIES OFMERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, WITHRESPECT TO THESE MATERIALS AND THE RELATED TRAINING. IN NOEVENT SHALL GENWORTH BE LIABLE FOR ANY DIRECT, INDIRECT,INCIDENTAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES OF ANY KINDWHATSOEVER WITH RESPECT TO THE TRAINING AND THE MATERIALS. 41