Equity lock products for mortgage lenders

© 2013 EquityLock Solutions, Inc. All rights reserved.
EquityLock is a registered trademark of EquityLock Solutions, Inc.
If your customers need to sell their home in the next few years,
will it be worth what it is today?
What is EquityLock® Protection?
 Home sellers purchase EquityLock Protection on their homes and transfer protection to their buyers at closing - selling
their home faster and closer to their asking price.
 Existing homeowners purchase EquityLock Protection to preserve their equity.
 Lenders, builders and realty companies use EquityLock Protection to increase sales and create recurring monthly revenue.
 Asset Managers purchase EquityLock Protection and place it on their properties as a credit enhancement.
1
•EquityLock Protection is a financial contract that provides a hedge against future declines in the local FHFA House Price Index (HPI). The
local FHFA House Price Index can be found within the government website at www.fhfa.gov .
•EquityLock’s home equity protection products can be purchased for either a one-time fee of $295, a monthly pay plan of $49+ per
month or approximately 2% of whatever property value the property owner wants to protect.
•Property owners receive a cash payment if their local FHFA House Price Index declines from the date of their financial contract to when
they sell their property in the future.
•If the property owner sells their home for a profit in the future, they will receive a cash payment from EquityLock if their local FHFA
House Price Index has declined.
•Security of Funds: A reserve is held in a separate segregated account for every potential market downturn payment according to a
licensed third party actuarial model.
•EquityLock Protection is not considered insurance since a cash payment is paid regardless of the home’s future sales price.
•It can be sold without insurance licensing and is available nationwide.
We protect homeowners from losing money when they sell.
Call (800) 401-9290 today for more information or visit our website at www.equitylock.com

TO
INCREASE
SALES
FOR
MONTHLY
REVENUE
TO
UPGRADE
Feature Description
EquityLock
FIRST
EquityLock
PROTECTOR
Home Price
Protection®
Protected Value
Amount
Fixed for FIRST and PROTECTOR. Consumer decides the property value
amount for their Home Price Protection® contract such as property value,
purchase price, mortgage amount, down payment, existing equity, etc.
$100,000 $50,000
Determined by
Consumer
Coverage Period Measured from the initial date of any EquityLock Protection contract. 5 Years
As long as monthly
payments are made
15 Years
Waiting Period No claims are eligible for payment within the first 24 months of the contract.
Market Downturn
Payment Terms
Property sales require an “arm’s-length” transaction to an unrelated party.
If a future short sale occurs, the lender always gets paid first.
Maximum Downturn
Payment
(Claim Amount)
The maximum downturn payment is capped at a percentage of the original
property protected value amount. NOTE: With EquityLock FIRST, the first 5%
of any FHFA House Price Index decline is not eligible for payment.
$10,000
(10% of $100,000)
$10,000
(20% of $50,000)
20% of
Protected
Value Amount
Property Types
Primary residences, second homes, non-owner occupied and multi-family up
to 49 units.
Single Family
Only
Pricing Factors
Home Price Protection® pricing depends on property location, homeowner
mobility, property type, occupancy (rent, lease to own, owner occupied), etc.
Portfolio pricing for Asset Managers & Mortgage Servicers is fixed at 1.90%.
Fixed Fixed Variable
Limitations
Protected properties that result in a future foreclosures are ineligible for
claim payments. Future short sales require lender disclosure and approval.
Pricing Terms
EquityLock PROTECTOR monthly retail price is determined by retailer.
Maximum price is $79.95 per month (see www.equitylock.com).
Home Price Protection® pricing for consumers vary from 1.75% to 3.00% of
their desired Protected Value Amount and is based on the Pricing Factors
listed above. Financing is available for up to 60 months.
Home Price Protection® pricing for institutions is fixed at 1.90%.
$295
for 5 years of
Home Value
Protection
Wholesale cost is
$41 per month.
Includes warranty
coverage for 6
existing home
appliances.
Retailer receives
markup amount
each month.
1.75% to 3.0%
Additional Information
Private labeling is available at no additional charge.
Sample contract and pricing plans are available upon request.
EquityLock Protection Product Summary
2 © 2013 EquityLock Solutions, Inc. All rights reserved.
EquityLock is a registered trademark of EquityLock Solutions, Inc.Call (800) 401-9290 today for more information or visit our website at www.equitylock.com

HPI = 181.9
Index decline
at time of sale
Market Downturn
Payment is
calculated based
on percentage
decline in HPI
from the time
contract was put
into place
regardless of
sales price
How EquityLock® FIRST Works
$100,000 of the Homeowner’s Property’s Value is Protected
with FHFA House Price Index (HPI)
as reported at www.fhfa.gov
Protected Value Amount
is Fixed at $100,000
HPI = 214
at the time contract is
put into place
Year 1 Year 2 Year 3 Year 6
24 month waiting period
Property
Sells in
Year 4
Year 5Year 4
EquityLock FIRST
Expires in Year 5
HPI = 226
Index Increased
No Market
Downturn
Payment
HPI = 214
No Index Change
No Market
Downturn
Payment
In the example above where there was a HPI decline, the local House Price Index values dropped 15% when
the home is sold in Year 4. (214 – 181.9) 214 = 15%.
This results in $10,000 PAID to the homeowner.
With EquityLock FIRST, the first 5% of Index decrease is not eligible for any market downturn payment and the
maximum payout cannot exceed 10%.
Market Downturn Payments are calculated by:
Multiplying the initial Protected Value Amount $100,000
By the Percentage Decrease in the HPI Index less 5% (15% decline - first 5% decline = 10%) x 10%
$10,000

• Coverage Period: 5 Years
• Waiting Period to File for Market Downturn Payment: 24 months (first 2 years)
• Eligible Properties: Primary residences, second homes, non-owner occupied
and multi-family up to 49 units
For only $295 for each closed loan, you will give your
customers $100,000 of home equity protection, increase your
loan volume and dominate your local marketplace.
House Price Index Decline in
Years 3 through 5
Maximum Payout When Property is Sold
(10% Maximum)
0.01% to 5.00% The first 5% index decrease is not eligible for any payment
5.01% to 15.0%
Example 1: Index drops 6.2%, payout would be 6.2% - 5.0% = 1.2%
15.01% and above Capped at 10%
Protected
Value Amount
Maximum Payout
(10%) in years 3 – 5
When Property is Sold
Protected Amount
for 5 Years =
Your Cost for FIRST
$100,000 $10,000 $295
Leading Question for Loan Rate Shoppers:
Are any of the other lenders you’re
considering offering to protect $100,000
of your home’s value?
We do.
Give Your Customers EquityLock FIRST and
Convert More Leads to Closed Loans
Increase Your Lead Conversions
and Purchase Business Today
Increases Your Fee
Revenue & Earnings
Differentiates You
From Other Lenders
Easy To Implement
Protects Your
Residential Portfolio
and REOs
In the future, EquityLock will contact FIRST customers to see if they wish
to purchase additional protection coverage and upgrade to Home Price
Protection®.If this occurs, you may be eligible to receive referral fees to
help offset your $295 FIRST marketing expense.

Process For EquityLock FIRST + Upgrading
New Mortgage
Application with
EquityLock FIRST
Included
Once property is identified,
EquityLock submits invoice to
provider for FIRST product,
payable 10 days after
escrow/closing
Escrow / Closing Occurs
If customers desire additional coverage after
escrow/closing, a second contract with
Home Price Protection® is provided
Homeowner receives
EquityLock FIRST Certificate of
Protection™ with NO
additional out-of-pocket cost.
EquityLock receives
payment within 10
days of closing
EquityLock
calls customer and goes
over all FIRST details
EquityLock sends FIRST
Certificate of Protection
directly to customer
Home Price Protection®
UPGRADE OPTION
for FIRST
Lenders, Real Estate Agents,
Home Builders and Title/Escrow
Companies Purchase FIRST
TO INCREASE SALES
5 Call (800) 401-9290 today for more information or visit our website at www.equitylock.com

• Coverage Period: Month-to-month as payments are received
• Waiting Period to File for Market Downturn Payment: 24 months
• Maximum Payout When Property Is Sold: Up to $10,000
• Eligible Properties: Single Family Residences Only (Owner-Occupied & Investor)
Includes EquityLock Home Appliance Extended Warranty
• Will repair or replace a customer’s existing range/oven/cooktop,
dishwasher, built-in microwave, kitchen refrigeration, clothes washer
and clothes dryer
• Provides up to $1,500 each year for each appliance
• Coverage begins 30 days from first payment
• $50 deductible applies for each service call
Protected
Value
Amount
Maximum
Payout
Fixed Monthly
Wholesale Cost
Assumed
Retail Price*
Monthly
Amount Paid to
Retailer
$50,000 $10,000 $41 $49.95 $8.95
Offer EquityLock® PROTECTOR to all
employees and customers via email,
flyers, social media and statement
inserts. Retailer receives the retail
markup difference each month.
How Big Is Your Database?
Possible Recurring Revenue With
EquityLock PROTECTOR
Retailer
Database of
Customers
Response
Rate
Paying
Customers in
First Month
First Month
Revenue at
$8.95
Total
12 Month
Revenue**
5 Year Total
Revenue**
10,000 1% 100 $895 $56,002 $445,174
25,000 1% 250 $2,238 $140,003 $1,112,935
50,000 1.5% 750 $6,713 $420,008 $3,338,805
75,000 1.5% 1,125 $10,069 $630,011 $5,008,207
100,000 2.0% 2,000 $17,900 $1,120,020 $8,903,479
*Maximum Retail Price is $79.95 (see www.equitylock.com)
**Includes Persistency Assumptions
Up To
$9,000
Each
Year
Receive Recurring Monthly Revenue with EquityLock® PROTECTOR
Retailer determines
monthly retail markup
price
EquityLock processes and
collects monthly payments
for Retailer
Retailer offers PROTECTOR
to their entire
homeowner database
Retailer offers PROTECTOR
to employees in their
benefits package

EquityLock FIRST to increase sales
1. Purchase EquityLock FIRST for all your new mortgage applications. EquityLock will provide FIRST to your customers after closing.
2. Schedule time for EquityLock to train your origination and support staff.
3. Allow EquityLock to help create marketing materials, flyers, handouts, press releases, radio, social media, etc. to win more
customers and protect their home values.
4. Schedule FIRST meetings with real estate agents, builders, financial planners, referral partners, community leaders, local media, etc.
EquityLock PROTECTOR for monthly revenue from your database of existing homeowners
1. Sign our Standard Distributor Agreement to receive retail markup proceeds and referral fees.
2. Determine your retail monthly price for PROTECTOR (i.e., $49.95, $54.97, etc.) and create a Promotional Code for online purchases.
3. Determine if you want to provide an introductory offer to your existing homeowners, such as $19.95 for the first 3 months.
4. Schedule time for EquityLock to provide PROTECTOR orientation to your staff.
5. Allow EquityLock to help create marketing materials, flyers, handouts, press releases, inserts, social media, etc.
6. Marketing to your existing homeowner database via email is less expensive and produces higher response rates. Direct mail and
mortgage/bank statement insert templates are also available.
7. Distribute the PROTECTOR monthly offer. EquityLock handles all customer support, monthly payment processing and product
fulfillment with no added burden on your existing staff or cost.
8. Begin receiving monthly checks from EquityLock.
Your Next Steps with FIRST and PROTECTOR Plans
You Receive All Income Collected Above Our $41 Wholesale Price for PROTECTOR
7 Call (800) 401-9290 today for more information or visit our website at www.equitylock.com

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