W.J. Bradley is an independent residential mortgage lender that aims to be the top performer in the country. The document discusses W.J. Bradley's history of growth since 2002 through acquisitions and partnerships. It also outlines W.J. Bradley's approach to partnering with branches by providing resources like marketing, training, fulfillment support, and competitive pricing to originators. This partnership model and W.J. Bradley's ability to access multiple end investors is positioned to provide stability in changing markets.

1. Distributed Retail Offering

2. 2
Defining W.J. Bradley

3. 3
OUR VISION
To be the top-performing independent retail residential lender in the country.
OUR MISSION
To operate as a well-run company in pursuit of our vision.
Defining W.J. Bradley

4. Since inception, W.J. Bradley has maintained a high standard for not only the way
business is conducted, but also with whom we partner. It is through a dedication to be
the best that we set the bar for how success and integrity are measured.
“Our mission well-run our
stakeholders. our vision top-
performing originator 2015.”
4

5. 5
In 2012, the Company ranked as the eight-largest independent lender* in the country, with $6.5
billion in residential loan origination volume.
The Company’s forecast shows it to be on track to exceed $8 billion in volume at the close of 2013.
W.J. Bradley Size and Stature
BY THE NUMBERS
• 8: Consecutive years of growth
• 16: Average turn-time (in hour) in 2012 for new-
purchase loan submissions
• 35: States in which W.J. Bradley is licensed
• 50: States in which W.J. Bradley will be licensed by
2014
• 80+: Branch locations throughout the U.S.
• 443: Percentage of increase in revenue between
2009–2012 (grew from $41 to $223 million)
• 1,750: Average number of loans funded monthly in
2013 (YTD)
• 1,800+: Employee headcount
WJB FOOTPRINT
FL: 2%
IL: 2%
MN: 2%
WA: 5%
OR: .5%
CO: 8%
TX: 2%
AZ: 6%
NV:
7%
CA: 64%
UT: 3%
* As listed by Mortgage Executive Magazine for 2012
Production Volume by State (YTD)

6. 2002
• Founded as an investment-holding firm
2003-2004
• Built consolidation strategy and platform
2005-2006
• Made first five acquisitions
2007-2008
• Centralized operations in Salt Lake City
• Restructured amidst mortgage crisis and shed significant volume
• Shifted from acquisition strategy to partnership model
2009
• Increased headcount by 250%
• Achieved $1.15 billion in volume
2010
• Increased volume to more than $2 billion
• Began development of horizontally integrated strategy
W.J. Bradley History
6
BUILDING A FOUNDATION
THROUGH BROAD
PERSPECTIVE
EVOLVING ADAPTABILITY AND
RESILIENCE
FOCUSED ON GROWTH
AND PROFITABILITY
COMMITMENT TO OPERATIONAL
EXCELLENCE
POSITIONING FOR LONG-TERM
GROWTH
2011
• Focused on executing strategies for long-term growth, including Fannie Mae
and Freddie Mac seller/servicer approvals
2012
• Welcomed 130 employees from Emery Financial (now the Emery Team),
contributing to an increase of $1 billion in annual production
• More than doubled in volume to $6.5 billion
• Ranked as no. 24 among Top 250 Private Companies of Colorado (as reported
by ColoradoBiz Magazine)
• Entered mortgage-securities sector; established dedicated broker-dealer
subsidiary
• Received Ginnie Mae seller/servicer approval
• Celebrated 10 years in business
2013
• Welcomed more than 300 employees from Legacy Group Lending (now
Legacy Group) contributing to an increase in more than $1 billion in annual
production
• Actively securing additional new partnerships in new and existing markets
• Projected to reach $8 billion in volume by year-end

7. 7
Branch Partnerships:
Approach & Offering

8. 8
Onboarding Approach
Beyond finding an operational match, our partners can expect culture to be a
vital component of the everyday functionality of W.J. Bradley as an organization.
Cultural camaraderie between partners is critical to our growth and success.
“ embracing cultures
speaks
The culture of W.J. Bradley is driven by:
• An entrepreneurial spirit that lives and breathes in each segment of the
organization, motivating and influencing employees to excel
• Leadership whose lending business expertise within their respective arenas
has proven to create a seamless transition and impactful ongoing
experience for our partners
• A determination for greater success that fuels our partners with the tools
and resources necessary to enable their sole focus on originating loans and
maximizing profitability

9. Branch Partnership Offering
9
W.J. Bradley has a sensible, solutions-based platform, offering a balanced approach to
creating a path for our branch partner’s overall success.
W.J. Bradley’s high loan volumes and range of entities enable the Company to
more effectively reach end investors in the capital markets space, producing a
richer product mix and lower cost to originate each loan, which leads to lower
costs to branch partners so that originators can offer more aggressive pricing
Specialized teams devoted specifically to analyzing details of the Company
dealings and operations ensure regulatory adherence and precautionary measures
that best manage risk for the everyday business of our partners
Dedicated individuals for each branch are focused on maximizing monetary flow
to create longevity, growth and stability for our partners
Partners learn to rely on one of the Company’s centralized fulfillment
centers because of their accurate long-term reporting tools, regional
operation management and predictable turnaround times
LEGAL &
COMPLIANCE
PRODUCT BREADTH &
COMPETITIVE PRICING
SALES FINANCE
COMPLETE
FULFILLMENT
SYSTEMS

10. Branch Partnership Offering
10
Dedicated facility and IT teams work hand in hand with your on-site
facilities to handle any relocation or expansion efforts: branding of the
branch store, leasing necessities, furniture installments, technology
transports, etc.
Corporate branding strategy intended to grow company awareness in its various
markets and a full-service marketing team that provides up-to-date information
and education on W.J. Bradley products and programs; as well as an advanced and
automated online platform offering a range of marketing material for loan
originators to create deeper relationships with current, present and past customers
Experienced training team provides learning management sessions and
in-depth educational guides to ensure proper knowledge of all
systems, polices and compliance-related matters are understood at the
time of on-boarding; and provides continuous learning on Company
functions, processes, software and systems
The dedicated team focuses on assisting with candidate sourcing and
recruiting, managing the new hire process, conducting background
checks, and issuing offer letters, in addition to setting up system access
for each new branch employee
MARKETING
RELOCATION &
EXPANSION
TRAINING
HUMAN
RESOURCES

11. 11
Stability in Evolving Market
11
Our loan production volume is
attractive to capital markets players,
which allows us direct access to an
increased number of end investors,
offering greater liquidity sources and
additional outlets to package and sell
loans. This enables us to sell rapidly
and keep the focus on fulfillment.
We are positioned to offer
protection from pricing inflation
that naturally occurs through the
life cycle of a loan, as well as to
withstand the predicted
privatization of the market.
Through this end to end
capability, we will achieve future
growth and profitability by
offering our partners more
competitive loan pricing.
LOAN LIFE CYCLE
W.J. BRADLEY POSITION

12. 12
CONTACT INFORMATION:
Ross Cowan
rrc@wjbradley.com
720-253-0177
Chris Michael
christopher.michael@wjbradley.com
720-627-8623