LOAN ORIGINATION SOFTWARE • Fiserv easyLENDER easyLENDER® Loan Origination and Processing Software For ACB members who want to grow their lending businesses, easyLENDER is the comprehensive LOS solution set that automates every phase of mortgage, consumer, home-equity, and commercial lending. In fact, easyLENDER software has been licensed by more than 150 ACB member organizations. easyLENDER provides convenient, automated interfaces to most core-bank processing systems; and even offers an award-winning Internet-based lending solution.

MORTGAGE INSURANCE • Genworth Financial Genworth Offers Exclusive Suite of Mortgage-Related Products for ACB Members Genworth offers an exclusive suite of mortgage insurance-related products designed to help ACB member banks meet more of their communities’ housing needs. This program, Genworth’s MI Advantage, is designed to generate additional revenue for participants and help them reach more minority homeowners. In addition, ACB members have access to Genworth’s most popular online programs for community banks as well as a full suite of other mortgage-related products.

REVERSE MORTGAGES • Financial Freedom Senior Funding Corporation, A subsidiary of IndyMac Bank, FSB With this unique and increasingly popular Reverse Mortgage program, ACB members can meet the growing need in their market for seniors who want access to the equity they have built so carefully without the pressure of a monthly mortgage payment. Help seniors stay in the home they love, and provide them with income, liquidity, and security. Financial Freedom, a subsidiary of Indymac Bank FSB, is the market leader in this powerful lending alternative for seniors.

SECONDARY MARKETS • Freddie Mac The ACB/Freddie Mac Alliance helps you sell loans easier and faster with a broad choice of commitment options, whether you are selling current production or loans from your portfolio. Freddie Mac brings ACB members a strong service and training commitment and a streamlined application process as well as a wide variety of conforming loan products; broadened technology services; and servicing released/servicing retained enhancements. • CitiMortgage CitiMortgage, Inc. and America’s Community Bankers bring to you an alliance that provides a new level of service. Through this unique alliance, you have access to a wide array of mortgage products, preferred pricing and superior customer service you deserve. As a member of the Citigroup family of financial services companies, CitiMortgage’s dedicated team of sales professionals and support services offer you solutions for a wide range of customer situations. • Countrywide Home Loans, Inc. Countrywide’s Correspondent Lending Division has teamed up with ACB to offer an exclusive member program with benefits usually available only to the largest financial institutions. Key provisions provide more aggressive loan pricing, unrestricted access to Countrywide’s menu of products and full authorization to its web-based technology platform. • Fannie Mae ACB members receive many business benefits on residential mortgage loans delivered to Fannie Mae: special price advantages, access to Fannie Mae’s cutting edge technology at advantaged pricing, and portfolio analysis to identify secondary market sales opportunities at significant cost savings. The partnership has been enhanced to help you further expand your business to reach more low-to moderate-income borrowers, minority borrowers, and first-time homebuyers. • SN Servicing Corporation The new ACB/SN Servicing Corporation (SNSC) alliance offers ACB members an exclusive strategy to manage sub-performing, non-performing and fee-simple real estate assets. Preferred pricing and an extremely simplified purchase and sale agreement better position community banks to adjust and manage their balance sheets to improve capital and performance ratios. • IndyMac Bank IndyMac Bank® gives ACB members the ability to originate and sell Jumbo and Alt-A loans while retaining servicing. This allows financial institutions to gain income from mortgage transactions without jeopardizing existing depositor relationships. IndyMac’s mission is to provide GSE-style execution for non-conforming products.

SETTLEMENT SERVICES • First American Corporation First American offers ACB members access to a private co-branded website where they can order a full range of settlement products and services at advantaged pricing. The improved efficiency and savings help community banks compete with larger mortgage lenders and the streamlined process helps homebuyers achieve more certainty on the price of settlement services. First American offers title insurance, flood determination and compliance, mortgage document services, appraisals (including automated valuation model appraisals), and residential real estate tax reporting.