Rocket Companies IPO Presentation Deck

ROCKET Disclaimer This presentation contains and related discussions may contain "forward-looking statements within the meaning of U.S. federal secunties laws. Forward-looking statements include information concerning possible or assumed future results of operations, Rocket Companies, Inc.'s (the "Company") business plans and strategies, the Company's ability to cross-sell and up-sell the Company's products, and expansion into new markets. You can identity forward-looking statements by the use of words such as "may," "might," "will," "should," "could," "would," "expect," "plan," "anticipate," "believe," "estimate," "project," "predict," "intend," "future," "potential" "suggest," "anget," "forecast," "continue," and, in each case, their negative or other various or comparable expressions. Forward-looking statements are not historical facts, and are based upon management's current expectations, beliefs, estimates and projections, and various assumptions, many of which are inherently uncertain and beyond the Company's control. Such expectations, beliefs, estimates and projections are expressed in good faith and management believes there is a reasonable basis for them. However, there can be no assurance that management's expectations, beliefs, estimates and projections will be achieved, and actual results may differ materially from what is expressed in or indicated by the forward-looking statements. Forward-looking statements are subject to risks and uncertainties that could cause actual performance or results to differ materially from those expressed in the forward-looking statements, including the unique challenges posed to the Company's business by the COMID-19 pandemic and the effects of the pandemic on the Company's ability to originate mortgages, its servicing operations, its liquidity and its employees; changing economic conditions, changing real estate market conditions, changes in U.S. monetary polides that affect interest rates, changing regulations, new interpretations of existing laws, and difficulties and delays in obtaining or maintaining required licenses or approvals; the Company's ability to adapt and to implement technological changes; the Company's ability to retain customers for a long period of time, the Company's ability to comply with evolving laws, regulation and industry standards addressing information and technology networks, privacy and data security, the Company's ability to protect its products and services from potential cyberattacks and other data and security breaches; the Company's reliance on its loan funding facilities to fund mortgage loans and otherwise operate its business and other risks, uncertainties and factors detailed in the registration statement on Form 5-1 (as amended, the "registration statement") filed with the U.S. Securities and Exchange Commission (the "SEC") by the Company. Forward-looking statements speak only as of the date the statements are made. The Company assumes no obligation to update forward-looking statements to reflect actual results, subsequent events or circumstances or other changes affecting forward-looking information except to the extent required by applicable securities laws. This presentation also contains references to earnings before interest and amortization expense on non-funding debt, income tax, and depreciation and amortization, net of the change in fair value of mortgage servicing rights ("MSRS") due to valuation assumptions (net of hedges) and stock-based compensation expense ("Adjusted EBITDA"), total revenues net of the change in fair value of MSRS due to valuation assumptions ["Adjusted Revenue"), tax-effected earnings before stock-based compensation expense and the change in fair value of MSRS due to valuation assumptions, and the taxeffects of those adjustments ["Adjusted Net Income") and other measures that are not based on accounting principles generally accepted in the United States, or non-GAAP financial measures. These non-GAAP financial measures are in addition to, not a substitute for or superior to measures of financial performance prepared in accordance with GAAP. The non GAAP financial measures used by the Company may differ from the non-GAAP financial measures used by other companies. Refer to the Appendix section for definitions of these terms and reconciliations to the most comparable GAAP measures. This presentation contains certain preliminary estimates of our financial and operating results for the second quarter of 2020, based on currently available information. We have not yet finalized our results for this period and our consolidated financial statements as of and for the second quarter 2020 are not expected to be available until after this offering is completed. Our actual results remain subject to the completion of our quarter-end closing process, which includes review by management and our board of directors, including our audit committee following completion of this offering. While carrying out such procedures, we may identify items that require us to make adjustments to the preliminary estimates of our results set forth herein. As a result, our actual results could be different from those set forth in this presentation. The preliminary estimates of our results included herein have been prepared by, and are the responsibility of our management. Our independent auditors have not audited, reviewed or compiled such preliminary estimates of our results. The information contained in this presentation does not purport to be accurate or complete and is subject to change. Actual characteristics and performance may differ from the assumptions used in preparing these materials. Changes in assumptions may have a material impact on the information set forth in this presentation. In preparing this presentation, we have relied upon and assumed, without independent verification, the accuracy and completeness of all information available from public sources. Without limiting the generality of the foregoing, no audit or review has been undertaken by an independent third party of the financial assumptions, data, results, calculations and forecasts contained, presented or referred to in this document. The Company has filed a registration statement (including a prospectus) with the SEC for the offering to which this presentation relates. The registration statement has not yet become effective. Shares of the Company's Class Acommon stock may not be sold, nor may offers to buy be accepted, prior to the time the registration statement becomes effective. Before you invest, you should read the prospectus in that registration statement and other documents the Company has filed with the SEC for more complete information about the Company and this offering. You may get these documents for free by visiting EDGAR on the SEC Web site at www.sec.gov. Alternatively, the Company, any underwriter or any dealer participating in the offering will arrange to send you the prospectus if you request it. A copy of the prospectus may be obtained from Goldman Sachs & Co. LLC, Attention: Prospectus Department, 200 West Street, New York, NY 10282 (telephone: (866) 471-2526 or email: [email protected]); Morgan Stanley & Co. LLC, Attention: Prospectus Department, 180 Varick Street, 2nd Floor, New York, NY 10014; Credit Suisse Securities (USA) LLC, Attention: Prospectus Department, 6933 Louis Stephens Drive, Morrisville, NC 27560 (telephone: 1 (800) 221-1037 or email: usa [email protected]): J.P. Morgan Securities LLC Attention: Broadridge Financial Solutions, 1155 Long Island Avenue, Edgewood, NY 11717 (telephone: 1-866-803- 9204): RBC Capital Markets, Attention: Equity Syndicate, 200 Vesey Street, 8th Floor, New York, NY 10281-8098 (telephone: (877) 822-4089 or email: [email protected]). This presentation shall not constitute an offer to sell or the solicitation of an offer to buy these securities, nor shall there be any sale of these securities in any state or jurisdiction in which such offer, solicitation or sale would be unlawful prior to registration or qualification under the securities laws of any such state or jurisdiction. See endnotes for important information at the end. 2