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LOAN SERVICING THAT MAKES A DIFFERENCETim GillisPresident

AHP WAS BORN OUT OF THE 2008 FINANCIAL CRISIS TO PRESERVE HOME OWNERSHIPAmerican Homeowner Preservation was founded. Purchases non-performing mortgages at discounts and shares the discounts with struggling families. Launched AHP Servicing, the nation’s first socially responsible loan servicing company. Signed a 10-year agreement to use Black Knight’s suite of services, including MSP.2008 2018 2019 TodayAHP continues to innovate through the introduction of new programs for investors and borrowers..• preREO• Branch Servicing• AHP 752

WE ASPIRE TO BE KNOWN BY THE WAY WE BEHAVEREPUTATIONAL GOALSSocially responsibleTransformationalNimbleSupportiveModernCORE VALUESHelp othersPlay fairReact responsiblyBe a good team memberBe creative3

TODAY, THERE IS A RACIAL AND ETHNIC DIVIDE75% of Non-minority households own a home45% of Black and Hispanic households own a homeAnd the difference is not entirely economicAHP 75 WILL INFUSE MORTGAGE CAPITAL INTO AMERICA’S MOST AFFORDABLE MARKETS4

AHP 75’s MISSION: INCREASE HOMEOWNERSHIP RATE TO 75%In response to Dodd-Frank, most lenders have set minimum loan amounts at $50,000, effectively halting lending in affordable markets and contributing to the wealth gap.Our goal: Enable homeownership in very low / low / moderate income neighborhoods by increasing access to affordable mortgage capital while assisting existing homeowners through foreclosure prevention. Using industry-leading technology we can efficiently fund mortgages as small as $5,000 – the lowest minimum mortgage of any national lender.5

WHAT KIND OF COMPANY WOULD SEE OPPORTUNITY IN LENDING TO UNDERSERVED MARKETS?A company that emerged in the wake of 2008 mortgage collapse to help families at risk of foreclosure.Our mission: resolve distressed mortgages by providing transformative options to borrowers.AHP Servicing aligns the interests of borrowers with investor and servicing clients.6

WE ARE MODERNIZING LOAN SERVICING BY DOING RIGHT BY THE BORROWERBranch Servicing | Our employees work at your location performing loss mitigation tasks; we perform back office functions in our headquarters.Special Servicing | A breadth of services that includes loan modification, short sale negotiation, cash for keys, repayment plans, forbearance and deed in lieu services.preREO | Connects noteholders and community investors through an exchange on our platform, facilitating acquisition of notes headed to foreclosure.Non-performing Loans | We purchase discounted non-performing loans that have the potential to be restructured or settled. We share the discounts with struggling homeowners.Warehouse Lending | Hard-money warehouse lines for hard-money loans.AHP 75 | Makes loan funds available to homeowners and homebuyers in underserved areas.AHP Mortgage Direct | National mortgage origination capable of facilitating seller-funded REO financing and contract-for-deed conversions.7

SERVICES8

BRANCH SERVICING• AHP staffs your branch with experienced loan administrators• They perform loss mitigation and collections from your offices using our equipment• Back office functions are performed at our headquarters• Compliance managed by AHP Servicing9

SPECIAL SERVICINGResults achieved with speed and efficiency• Loan modifications• Short-sale negotiations• Cash for keys• Repayment plans• Deed in lieu services10

preREO• Connects noteholders and community investors• Similar to an REO auction, but well in advance (before the asset becomes an REO)• Lower cost and risk• No cost to seller• Rapid disposition• Platform-driven exchange• One buyer and servicing transfer11

NON-PERFORMING LOAN ACQUISITION• We purchase loans in default that have the potential to be restructured• Low balance takeout options from new and existing portfolios• Avoid lengthy hold and carry costs and degradation of property12

WAREHOUSE LENDING• Hard-money warehouse lines ideal for fix-and-flip lenders• Flexible underwriting for lenders that do not meet traditional bank parameters• Multiple financing options and terms13

14LEADERSHIPJorge Newbery | Chief Executive Officerjnewberry@ahpservicing.com | (312) 651-4325Tim Gillis | Presidenttgillis@ahpservicing.com | (312) 285-0401Craig Lindauer | CFO / Director of Servicingclindauer@ahpservicing.com | (312) 763-6282Leta McLaughlin | Director of Business Developmentlmclaughlin@ahpservicing.com | (312) 584-1052Becky Flig | Director of Business Developmentbflig@ahpservicing.com | (516) 641-6098