2. Presentation to NATIONAL DISCOUNT BROKERS

3. 5 Reasons to partner with mortgage.com Exceeding the consumers expectations of an online company Ownership of the customer experience Consumer centric core value system Optimized fulfillment processes Jealous protection of client brand equity

4. Choice – Hundreds of investors, thousands of individual options Flexibility – The only online lender serving all credit classes Incomparable commit to customer service – November ‘99, 93% would recommend – Past 12 months, improvement from 74% to 93% would recommend World class technology – Setting industry standards Intelligence in the machine – Live agents always available Exceeding consumer expectations

5. Controlling the consumers complete internet experience Credit Approval Controls the Process Applications Process Controls the Process Processing/ Document Verification Controls the Process Final Underwriting Approval Controls the Process Closing Funding Controls the Process

6. Consumer centric values Detailed multiple point surveys Dial 911 for help Continuous training and certification of employees Employee compensation based on CS survey results Regular focus groups and usability studies 360 degree corporate dedication to customer excellence

7. World class technology Instant decisioning via multiple credit/risk grading systems World class tele-web customer care center Online tools and content help consumers make good decisions Constant forward integration and automation of processes Customer feedback loops, focus groups and usability based prioritization of development schedules

8. Optimized fulfillment processes Re-engineering to a process optimized for the web Development and utilization of surrogate data sources Vendor interconnectivity automates order and fulfillment Rich tracking functionality online – Proactive status notifications via e-mail

9. Protecting the client’s brand

10. Web site brand protection Site design with diminished reference to mortgage.com

11. Communications brand protection Customized phone and live attendant greetings “Thank you for calling National Discount Brokers Mortgage.” Personalized eMail responses

12. Document brand protection Custom welcome letters Customized presentation of consumer disclosure documents