How EquityLock Protection Works for Homeowners

1. How EquityLock® Protection Works
Example: $200,000 Property Ownership Timeline
with FHFA House Price Index (HPI) as reported at www.fhfa.gov
Current Home Value =
Property
$200,000 Sells in
Year 6
Local City Price Index =
214 at time of coverage HPI = 226
Property Covered by Increase in City Index
EquityLock Protection No Claim
Contract
HPI = 214
No Change in City Index
Year 2 Year 3 Year 4 Year 5 Year 6 No Claim
Year 1
24 Month Waiting Period
HPI = 171
Decrease in City Index is 43 points.
RESULT HPI at time of coverage: 214
In this case, the local housing market values dropped by 20% when the house is HPI at time of sale: - 171
Difference: 43
sold in Year 6. This results in $40,000 PAID to the homeowner.
Future claim payments are calculated by: (214-171) 214 = 20% drop
multiplying the initial Protected Coverage Amount $200,000 Claim PAID = $40,000
times the Percentage Decrease in the HPI Index _ x 20%
at the time the homeowner sells their house = $40,000 PAID
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2. EquityLock Protection Examples
In 2012, Mr. Jones purchases a home for $300,000 and an EquityLock Protection contract for $5,700
(1.90% of the home price). The local House Price Index at the time is 100. In 2015, Mr. Jones sells the
home under one of the following potential scenarios:
Scenario 1 Scenario 2 Scenario 3
Initial Value at Beginning of Protection Contract $ 300,000 $ 300,000 $ 300,000
Property Value When Sold Years Later $ 350,000 $ 250,000 $ 325,000
Property Value Difference $ 50,000 $ (50,000) $ 25,000
We will
House Price Index at Beginning of Contract 100 100 100
pay claims
HPI When Property is Sold 105 80 90
regardless
% Difference in HPI (Maximum Allowed is 20%) 5.0% -20.0% -10.0%
of the
Initial Value at Beginning of Protection Contract $ 300,000 $ 300,000 $ 300,000 property’s
Multiplied by Difference in HPI 5.0% -20.0% -10.0% sales price
= Claim Paid by EquityLock Solutions $ - $ 60,000 $ 30,000 in the
Property Value Difference $ 50,000 $ (50,000) $ 25,000 future!
Net Benefit to Property Owner $ 50,000 $ 10,000 $ 55,000
It’s About The INDEX - Not The Individual Property’s Resale Value
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3. Your Options to Purchase EquityLock® Protection
OPTION EXAMPLES
Property Protection Value = $300,000
EquityLock Protection
Contract Rate = 2.10%
1. Pay the total amount of EquityLock Protection Total Protection Cost = $ 6,300
with a one-time payment.
2. Pay the total amount with 12 equal monthly Payments for 12 Months = $ 525
installments. No Interest. No Credit Check.
Monthly payments for 60
3. Finance the total amount through Prentice Acceptance months at 9.98% through
Corporation for 18 to 60 months at 9.98% fixed Prentice Acceptance Corp. = $ 126.36*
APR, with automatic approval* for a limited time. *Estimate. Required $350 down
*A credit check is required. payment deducted from total
protection cost of $6,300.
4. Add EquityLock Protection to your existing mortgage
payment at your current mortgage rate. EquityLock monthly payment
added to your mortgage payment
Financing can be up to 60 months and requires prior for 60 months assuming
approval by your mortgage servicing company or current 4.25% APR on
your mortgage = $ 116.74
lender.
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4. How is Your Protected Coverage Amount Determined?
Values are specified by you and can be based on your:
 Home sales price
 Tax assessed value
 Mortgage amount
 Down payment or equity amount
 Any value you choose up to $2 million*
* Amounts above $2 million require additional underwriting
No Need To Validate Property Values
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5. Population % Change In HPI Current HPI
MSA State HPI Peak
Rank
30
13
Las Vegas-Paradise, NV
Riverside-San Bernardino-Ontario, CA
NV
CA
Since Peak
-60.24%
-48.60%
1Q 2012
101.73
168.33
256.52
327.48
Top 50 Cities in
14
26
24
Phoenix-Mesa-Glendale, AZ
Orlando-Kissimmee-Sanford, FL
Sacramento-Arden-Arcade-Roseville, CA
AZ
FL
CA
-48.00%
-47.02%
-46.66%
152.94
149.29
155.03
294.23
281.78
290.62
Population Ranking &
8
19
12
Miami-Miami Beach-Kendall, FL (MSAD)
Tampa-St. Petersburg-Clearwater, FL
Detroit-Livonia-Dearborn, MI (MSAD)
FL
FL
MI
-45.69%
-41.71%
-38.23%
185.6
169.11
116.7
341.75
290.12
188.92
% Change in House
40
2
17
Jacksonville, FL
Los Angeles-Long Beach-Glendale, CA (MSAD)
San Diego-Carlsbad-San Marcos, CA
FL
CA
CA
-34.58%
-33.90%
-33.51%
175.8
222.61
214.06
268.73
336.76
321.95
Price Index
3 Chicago-Joliet-Naperville, IL (MSAD) IL -24.99% 152.51 203.34
15 Seattle-Bellevue-Everett, WA (MSAD) WA -24.88% 198.52 264.27
31 San Jose-Sunnyvale-Santa Clara, CA CA -24.69% 238.78 317.08
16 Minneapolis-St. Paul-Bloomington, MN-WI MN WI -24.16% 176.73 233.04
23
9
Portland-Vancouver-Hillsboro, OR-WA
Atlanta-Sandy Springs-Marietta, GA
OR WA
GA
-23.46%
-23.43%
185.3
140.46
242.09
183.43
These large cities have
38
11
Providence-New Bedford-Fall River, RI-MA
San Francisco-San Mateo-Redwood City, CA (MSAD)
RI MA
CA
-23.14%
-22.26%
197.95
235.59
257.53
303.04 experienced the largest value
7 Washington-Arlington-Alexandria, DC-VA-MD-WV (MSAD) DC VA MD WV -22.23% 218.05 280.37
20 Baltimore-Towson, MD MD -20.38% 201.82 253.48 declines over the last few
48 Salt Lake City, UT UT -19.58% 176.5 219.46
44
36
Richmond, VA
Virginia Beach-Norfolk-Newport News, VA-NC
VA
VA NC
-17.63%
-17.43%
181.7
210.29
220.58
254.67
years .
28 Cleveland-Elyria-Mentor, OH OH -16.15% 126.75 151.17
1 New York-White Plains-Wayne, NY-NJ (MSAD) NY NJ -16.09% 227.99 271.7
10
33
Boston-Quincy, MA (MSAD)
Charlotte-Gastonia-Rock Hill, NC-SC
MA
NC SC
-15.20%
-14.26%
230.71
155.76
272.05
181.66 If you need to sell your home
41 Memphis, TN-MS-AR TN MS AR -12.48% 138.47 158.21
39 Milwaukee-Waukesha-West Allis, WI WI -11.99% 166.41 189.1 in the next few years, will it be
45 Hartford, CT CT -11.48% 173.95 196.51
50 Birmingham-Hoover, AL AL -10.81% 160.12 179.53 worth what it is today?
5 Philadelphia, PA (MSAD) PA -9.90% 197.35 219.04
29 Kansas City, MO-KS MO KS -9.90% 161.78 179.56
18 St. Louis, MO-IL MO IL -9.60% 169.51 187.51
47
46
Raleigh-Cary, NC
New Orleans-Metairie-Kenner, LA
NC
LA
-8.35%
-8.18%
154.78
191.82
168.89
208.92
EquityLock Protection
27
32
Cincinnati-Middletown, OH-KY-IN
Columbus, OH
OH KY IN
OH
-8.18%
-8.10%
145.58
144.1
158.56
156.81 gives you
37 Nashville-Davidson--Murfreesboro--Franklin, TN TN -7.69% 174.56 189.1
21 Denver-Aurora-Broomfield, CO CO -5.88% 187.81 199.54 property value peace of mind.
34 Indianapolis-Carmel, IN IN -5.29% 140.73 148.59
4 Dallas-Plano-Irving, TX (MSAD) TX -4.06% 162.57 169.45
42 Louisville-Jefferson County, KY-IN KY IN -4.06% 163.73 170.65
25 San Antonio-New Braunfels, TX TX -2.80% 172.26 177.22
6 Houston-Sugar Land-Baytown, TX TX -1.74% 187.13 190.45
35 Austin-Round Rock-San Marcos, TX TX -1.65% 199.18 202.52
43 Oklahoma City, OK OK -1.13% 176.41 178.42
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22 Pittsburgh, PA PA -0.07% 167.13 168.32
49 Buffalo-Niagara Falls, NY NY 0.00% 151.73 151.73
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6. Summary of EquityLock Protection Terms
Feature Description
Current property value (or more), purchase price, mortgage amount, down payment,
Protected Coverage
existing equity - Consumer determines property coverage amount of contract.
Coverage Period Standard contract is for 15 years.
Waiting Period No claims are eligible for payment within the first 24 months of contract.
Claim Terms Property sales require an “arm’s-length” transaction to an unrelated party.
Coverage Standard contract maximum claim is 20% of contract amount.
Property Types Primary residences, second homes, non-owner occupied and multi-family up to 49 units.
Pricing is based on property and loan factors including; homeowner probability of
Pricing Factors mobility, loan status, property type, property value, occupancy type (rent, lease to own,
owner occupied…) and geography.
Foreclosures are not eligible for EquityLock Protection. EquityLock Protection is available
Limitations for short sales, subject to lender approval.
Consumer direct pricing is between 1.50% - 3.00% based on pricing factors above for
Pricing Terms existing homeowners. Financing is available and can be added to existing mortgage
payments with lender approval.
Administrator Willis Group Holdings PLC
Additional Information Sample contract and pricing plans available upon request.
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