An invitation to learn more about our exclusive Contractor Referral Program

An invitation to learn more about our exclusive

Contractor Referral Program…

No Equity/No Appraisal Title-One Loans

Unparalleled Service

Better Rates, Better Terms, Better Options

A Partnership for Success!

Domestic Bank Home Improvement Lending

815 Reservoir Avenue Cranston, RI 02910

A Contractor Specialist will be assigned to handle all your business,

and is available 24-hours a day, 7-days a week.

Domestic Bank is your One-Stop-Shop for Home Improvement

Loans

No equity or appraisal is required for Title-One Home Improvement

Loans

All loans are priced based on Trans Union credit ratings

Loan amounts from $5,000 - $25,000

Loans of up to $17,500 are available for Mobile Homes on owned

land

Loans are available on Jumbo Mortgaged properties

Loans for owner-occupied single-family, multi-family, townhouse,

and condominiums are available

No seasoning requirements apply

3

_{Position loans are available (capped at $7,500)}

100% up-front funding and 2-party checks available

15 Minute pre-approvals

Domestic Bank Home Improvement Lending

815 Reservoir Avenue Cranston, RI 02910

Domestic Bank Home Improvement Lending 815 Reservoir Avenue, Cranston, RI, 02910 Toll Free: 1(800)715-8472 Fax: 1(888)622-2573

Thank you for your time!

This package is intended to provide you with additional information about how you can grow your business through a special lending program for home improvement contractors. Domestic Bank is a Federal Savings Bank and the only nationally approved lender for FHA Title-One Home Improvement Loans. Home Improvement Lending is our specialty and we take pride in our full range of equity based programs and no equity/no appraisal loan options.

In order to create a solid partnership with each Contractor, a dedicated Contractor Specialist has been assigned to manage our relationship with you. I will be your primary point of contact and will personally handle every loan application that comes from your office. This includes communicating with the borrower, gathering the required documentation, the title search, underwriting, closing and funding the loan. I will also make sure that you receive regular updates about your customer’s loan throughout the process.

The following information is enclosed for your review:

A brochure overview of the no equity/no appraisal/no seasoning FHA Title-One Home Improvement Loan

A Home Improvement Lending Matrix

A summary of how the Contractor Referral Program works and what you can expect from us as your lending partner

Below you will find my contact information. Please do not hesitate to contact me at any time. I will make myself available to you and your customers, 24-hours a day, 7-days a week as part of our unconditional service guarantee.

I look forward to speaking with you and to getting started!

Oscar Almanzar Contractor Specialist

1-800-572-7844 Extension 316 Email: [email protected]

Domestic Bank Contractor Assistance Program

Contractor Survey

To enroll in the Domestic Bank Contractor Assistance Program, please take a few minutes to complete the short survey below. If you have any questions regarding this survey or the Domestic

Bank Contractor Assistance Program, please call us at 1-800-715-8472.

Contact Name

Company Name Date

Street Address

City, State Zip

Phone *Fax

*E-mail Address

For IMMEDIATE response, please provide your email address

What type of home improvements do you offer?

How long have you been in business?

How many labor crews do you employ?

How many jobs do you average per month?

What is your average cash price per job?

Do you offer free estimates? (please circle)

YES NO

How many sales representatives do you have?

What type of financing do you offer? (please circle)

IN-HOUSE OUT-SOURCED NONE

Sales/Finance Mgr

Are you interested in offering your customers financing options that are available through the FHA? (please circle)

YES NO

*NOTE: If you would like to opt-out of receiving fax or email communications from the Domestic Bank Contractor Assistance Team, please specify “NO CONTACT” next to your fax number and/or email address.

FAX YOUR COMPLETED CONTRACTOR SURVEY TO

Attn: Oscar Almanzar

Build

Build your business

Your one-stop-shop for Home Improvement

Financing:

As a nationally approved Title-One lender and a

Federal Savings Bank, Domestic Bank is empowered

to offer a full range of lending programs. We can

provide funding to secure work that may not have

been possible with any other financial institution.

■

_{Single-family, Multi-family, Mixed-use,}

Condominium, Mobile Home and Planned Urban

Development financing available

■

_{No equity, no appraisal Title-One Home}

Improvement Loans

■

_{A full line of equity-based programs}

■

₁

_{, 2}

_{and 3}

_{position loans available}

■

_{No 12-month seasoning requirements}

■

_{Home improvement financing is serviced by}

Domestic Bank for the life of the loan

Contact a

Contractor Specialist today.

Call : 1 (800) 715-8472

Email : [email protected]

No Contractor Paperwork Required!

The Domestic Bank Contractor Referral Program

can help you make it happen.

Domestic Bank has been financing home

improvements for over 35 years. We are the only

nationally approved lender for Title-One Home

Improvement Loans (backed by the FHA) and the

#1 lender in the country.

We’re looking for partners…

Our team of Contractor Specialists will make your

job easier by working directly with your customers

throughout the loan approval process. While we

work to provide the best financing available, you

can manage your sales process more efficiently with

regular updates on the status of each loan. To

ensure complete satisfaction on every project, you’ll

have access to your Contractor Specialist 24-hours

a day, 7-days a week.

…and are committed to your success!

We understand that fast, efficient funding is vital for

keeping a steady flow of jobs scheduled. Domestic

Bank provides:

■

_{Pre-approvals in 15 minutes}

■

_{Final approvals in as few as 12 hours}

■

_{Funding in as little as 4 days}

■

_{In-home closing services across the country}

■

_{100% up-front financing and}

two-party checks available

Unconditionally guaranteed service for your staff

and customers is not an empty promise…

■

_{Free training available so your team}

can offer financing with confidence

■

_{Dedicated Contractor Specialist}

assigned to all your business

■

_{Flexible partnerships designed to work}

for every contractor – large or small

Grow

Are you looking to take your remodeling

MEMBER

M

Learn

Learn more about Domestic Bank’s

exclusive Contractor Referral Program!

"We truly appreciate Domestic Bank keeping our interests in each loan foremost, and issuing checks that are payable to both the borrower and to us.The fact that they handle all the title work, loan closings and signatures, while keeping us in the loop throughout the process, lets us stay focused on home improvements. Prompt responses to phone calls and consistent follow-up have created a positive experience for our customers, who are generally excited to talk with us again! No customer has expressed dissatisfaction with their rate or terms and we are glad to have Domestic Bank as a partner."

— Sid Albert, President Southern Homes Remodeling Company, Inc. Columbia, South Carolina

"Title One loans allow our customers to do improvements even if they have just recently purchased or refinanced their home.The funding is fast and someone is always available to answer my questions immediately. Working with Domestic Bank has been a really pleasant experience."

— Elaine Mahan, Finance Director Creative Remodeling Merriam, Kansas

"A quick response is essential to preserving customer relationships in this industry. We can not thank Domestic Bank enough for their professionalism and positive communication with OUR customers. Working closely with us to ensure they have the best information about each job and keeping us informed throughout the lending process makes our job easier."

— Jean Koloras,Account Relations Manager Home Owner Resource Center Dunmore, Pennsylvania

"Three cheers to Domestic Bank and the Title One loan division!! I wanted to personally thank you for this loan program. I have seen a considerable increase in our sales volume due to this loan program. We are now able to service home-owners with little or no equity as well as home-owners that have a low interest mortgage rate currently, and are unwilling to refinance.The Title One program rates are attractive and usually lower than a conventional 2nd mortgage without the hassles and additional expenses. Combine these features with the excellent service and quick turn-around times and you have a WIN-WIN SITUATION! Keep up the good work!"

––Terri Mooney, Owner

Budget Builders Inc. Cleveland Heights, Ohio

See what other successful remodelers

are saying about Domestic Bank.

For More Information: Call 1(800)715-8472 Email [email protected]

Domestic Bank Home Improvement Lending

815 Reservoir Avenue Cranston, RI 02910

Contact a

Contractor Specialist today.

Call : 1(800) 715-8472

Email : [email protected]

No Contractor Paperwork Required!

REV0608

DOMESTIC BANK HOME IMPROVEMENT LENDING

815 Reser voir Avenue Cranston, RI 02910

FHA

TITLE-ONE

REV0608

Q. How do we know we qualify?

A. Call us at 1-800-715-8472 to pre-qualify right over the phone. Ask for the FHA Title-One Dept.

Q. How much can we borrow?

A. Up to $25,000 for a single-family home or up to $12,000 per unit

(up to $60,000 for a five-unit property).

Q. What are the repayment terms?

A. Five, ten...even up to twenty years

Q. Do we need a contractor?

A. You can be your own contractor, sub-contract what you can’t handle yourself or even do the whole job yourself… just make sure you comply with local building laws.

Q. Is this loan tax deductible?

A. Current tax law treats this loan just like a home mortgage loan. Interest charges may be 100% tax-deductible (consult your tax advisor*).

Q. Must the work be completed before we get the loan?

A. No. You get all your money before you start the work.

Q. Is this a good time to start?

A. We can’t answer that until we talk to you. So call the Domestic Bank FHA Title-One Department today at 1-800-715-8472.

FHA Title-One

Home Improvement Loan

frequently asked questions...

HOME IMPROVEMENT LOAN

succeed

FOR MORE INFORMATION

Call 1-800-715-8472 Ask for Home Improvement Lending

Email:[email protected]

Finance your home improvement dreams TODAY with a FHA Title One

Home Improvement Loan.

build

succeed

ex

p

and

Domestic Bank of fers a number of specialty products, but none as unique as the FHA Title-One Home Improvement Loan. This program gives homeowners an oppor tunity to quickly and affordably finance home repairs and improvements.

Why Choose the FHA Title-One Home Improvement Loan?

Through the FHA Title-One Home Improvement Loan program, HUD insures Domestic Bank to finance eligible borrowers with its own funds. There is no equity requirement, and no appraisal is necessar y. This allows most home improvement projects to be financed in as few as four days.

About Domestic Bank

As the largest direct lender of FHA Title-One Home Improvement Loans, Domestic Bank is a superior financial resource. With an entire depar tment dedicated to funding and ser vicing FHA Title-One Home Improvement Loans, we guarantee you will always receive fast, responsive ser vice.

Domestic Bank is an FDIC insured, Federal Savings Bank. We are an Equal Housing Lender that has ser viced the community for over fifty years.

*The Internal Revenue Ser vice allows homeowners to deduct interest on mor tgage debt, including home equity facilities. Cer tain restrictions do apply so please consult with your tax advisor regarding deductibility of interest. All loans subject to individual credit approval.

HOME IMPROVEMENT

PROJECT LIST

property, a contractor providing customer financing or a realtor selling a proper ty… the FHA Title-One Home Improvement Loan program offers many benefits not available through traditional financing options.

• Loan decisions within 12 hours

• Finance projects in just 3-4 days

• No equity required

• No appraisal necessar y

•Obtain up to $25,000 for a single-family home or up to $12,000 per unit (max $60,000) for a multi-family property

• Low fixed rates

• Flexible payment terms of up to twenty years with no prepayment penalties

• Interest may be tax-deductible*

PROGRAM BENEFITS

HOME IMPROVEMENT LOAN

FHA TITLE-ONE

Ask for the Home Improvement Lending Department

1(800)715-8472

CALL TODAY!

These are just a few examples of home improvement projects that are eligible for financing with an FHA Title-One Home Improvement Loan:

• Upgrade an existing bathroom

• Add a bathroom

• Finish an attic or basement

• Install dormers

• Build an addition

• Install a walkway or driveway

• Build a carpor t or garage

• Enclose a porch

• Install replacement windows

• Add hardwood floors

• Refinish existing floors

• Install new siding

• Repair or replace a roof

• Install central air conditioning

• Install central vacuum cleaning

• Replace a heating system

• Upgrade electrical wiring

• Remodel the kitchen

Domestic Bank ♦ 815 Reservoir Avenue ♦ Cranston, RI ♦ 02910 ♦ Phone 1(800)572-7844 ♦ Fax 1(888)622-2573

Dear Remodeling Contractor,

Domestic Bank looks forward to supporting your continued success as a member of our

Contractor Referral Program. In order to begin working together, we are required to maintain a record of some basic information about your company:

• _{Copy of either state issued Contractors License or Business License}

• _{Proof of Liability Insurance}

• _{A signed “Information Authorization” form (enclosed)}

• _{Full names of all company principals}

• _{Phone and fax numbers}

• _{Company email and website addresses}

• _{Name of primary company contact(s)}

Please submit this information within the next 30 days by fax or mail to the address and contact below.

Domestic Bank John Kuprevich

Vice President of Home Improvement Lending 815 Reservoir Ave

Cranston, RI 02910 Fax (888) 622-2573

We appreciate your timely response with this information. If you have any questions about this request, please contact me at (800) 572-7844 ext. 356.

Sincerely,

John Kuprevich

Vice President of Home Improvement Email: [email protected]

– 2 –

Domestic Bank ♦ 815 Reservoir Avenue ♦ Cranston, RI ♦ 02910 ♦ Phone 1(800)715-8472 ♦ Fax 1(888)622-2573

Company Name: _________________________________________________ Street Address: __________________________________________________ City, State, Zip Code: _____________________________________________

Name of Company Principals:

1. ________________________________________________________ 2. ________________________________________________________ 3. ________________________________________________________ 4. ________________________________________________________ Company Phone Numbers:

1. ________________________________________________________ 2. ________________________________________________________ 3. ________________________________________________________ Company Fax Numbers:

1. ________________________________________________________ 2. ________________________________________________________ 3. ________________________________________________________ Company Email and Website Addresses:

___________________________________________________________ ___________________________________________________________ Name of Primary Company Contact(s)

___________________________________________________________ ___________________________________________________________

*NOTE: If you would like to opt-out of receiving fax or email communications from the Domestic Bank Contractor Assistance Team, please specify “NO CONTACT” next to your fax

– 3 –

Domestic Bank ♦ 815 Reservoir Avenue ♦ Cranston, RI ♦ 02910 ♦ Phone 1(800)715-8472 ♦ Fax 1(888)622-2573

AUTHORIZATION TO RELEASE INFORMATION

I (we) authorize you and your assigns to obtain and review our personal and corporate credit bureaus, and any related credit or employment information. You are also

authorized to make any investigation you deem advisable with our lenders or other third party sources.

TO WHOM IT MAY CONCERN:

You are authorized to furnish Domestic Bank, their representatives, agents and assigns, any and all credit, background or similar information they request. You are further authorized and requested to discuss with them any history or findings you have regarding the below signed. A fax or photocopy of this authorization shall be as valid and binding as an original, and may be reproduced as necessary to accomplish the purposes set forth herein. This Authorization shall not expire.

_________________________________ _____________________________ Company Principal Name Social Security Number

_________________________________ _____________________________

Signature Date

__________________________________ ________________________________ Company Name Federal Identification Number