1. Embrace Home Loans

2. embrace success For over 28 years , Embrace Home Loans has been a trusted leader in the mortgage industry. Headquartered in scenic Newport, Rhode Island, with 17 retail branch offices nationwide, Embrace currently employs 600 people doing business across 46 states. We know that success in the 21st century requires incomparable customer service and exceptional products. That differentiation in a competitive marketplace demands the ability to leverage technology, and utilize innovative marketing techniques. But at Embrace Home Loans we realize that to be truly successful, to really stand out, requires an investment in our most valuable resource, our people. Embrace maintains an atmosphere where employee appreciation, growth and accountability are its core values. In these turbulent times, these values have allowed us not only to survive, but to flourish.

5. Embrace is committed to the communities where employees and customers reside. A significant portion of pre-tax profits is distributed to charity each month. Over the past 5 years we have donated more than $13.5 million to charitable causes. Embrace matches 100% of eligible employee charitable donations of $25 or more, up to $2,500 per calendar year, and employees are encouraged to take up to 100 paid hours off to volunteer for a charitable organization. Embrace matches each volunteer hour with a $10 donation to the qualified charitable organization. embrace community

7. embrace benefits Our value-driven corporate culture promotes professional development, open-book management, and philanthropy among employees. We believe in celebrating our employees in the same way we honor our customers. Embrace is pleased to offer an array of benefits designed to meet the needs of our employees and their families. Employees can take advantage of programs providing health care, disability and survivor protection, work/life referral services, saving opportunities, retirement income, time off, and more. Medical Coverage Dental Coverage Flexible Spending Plan 401K Plan & Generous Match Long-Term Disability Group Term & Voluntary Life Insurance Life Insurance Employee Assistance Program Short Term Disability Adoption Assistance Work/Life Solutions Paid Time Off & Illness Days Paid Holidays Volunteer Program Matching Gifts Program Marketing Dollars Earned

11. embrace online embrace online www.embracehomeloans.com www.embracecareers.com embrace social media Become a Fan on Facebook at www.facebook.com/embracehomeloans Follow us on Twitter at www.twitter.com/embracehomeloan Check out our linkedin profile at www.linkedin.com/companies/712074 Subscribe to us on You Tube at www.youtube.com/user/EmbraceHomeLoans In 2009, 2008, 2007, 2005 & 2004, Embrace was selected as one of the “50 Best Small & Medium Companies to Work for in America”, (by the Society of Human Resource Management and The Great Place to Work Institute). Embrace maintains an atmosphere where employee appreciation, personal growth and accountability are its core values.

12. Contact me Embrace Home Loans 17577 Nassau Commons Blvd Suite 201 Lewes, DE 19958 800.333.3004 Apply online at: jbarbato.embracehomeloans.com John L. Barbato – Branch Manager Green Lending & Renovation Loan Specialist x.3130 [email_address] 302.632.2500: cell Josh Huss – Loan Officer Assistant x.3141 [email_address] 302.245.5908: cell