Better Results Presentation Deck

Focus on Target Opportunities Better % Purchase Conversion Acquisition Channel Diversification Continued Investment in Automation Fixed Cost Reduction for Improved Profitability . ● ● Well Capitalized and Positioned for the Future Increase pull-through on approximately 18,500 monthly mortgage application starts through product & service enhancements Strengthen relationships with real estate agents to improve purchase distribution Purchase loans require increased customer service and fulfillment labor compared to refinance loans - use technology to narrow this gap Cautiously invest in brand marketing Onboard additional B2B partners (grow Mortgage-as-a-Service business) Continued reduction in labor cost per loan Continued reduction in customer time spent Continued re-evaluation of vendor costs and criticality Continued targeted reductions in corporate overheads Sustain well capitalized positioning by cautiously managing liquidity 13

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