At Opes Advisors, you can strengthen your referral relationships, help clients make confident real estate

decisions, and grow your business in any market.

www.opesadvisors.com

Want to advise your clients on more than rates and fees?

Our Advantage.Opes Advisors is full-service mortgage bank with an innovative leadership team that offers a wide range of competitively-priced mortgage programs, including a comprehensive portfolio of Jumbo products.

And for Mortgage Advisors who want more, we offer Opes Advantage, proven Real Estate Decision Technology that empowers clients to view all of their assets and make more informed, confident mortgage and life decisions. Opes Mortgage Advisors have the power to:• Help clients confidently move forward• Strengthen relationships with real estate agents• Grow business with clients and partners in any market These are just a few reasons why forward-thinking mortgage advisors are making the move to Opes Advisors.

Clients refer me to other clients specifically because of the Housing and Lifestyle Assessment we completed together using Opes Advantage. Learning how to apply the technology to help my clients is the single best thing I’ve done since getting into the mortgage business.Bill Prainito | Branch Manager | Los Altos, CA ”

“

Opes Advisors was founded by three leaders in their respective industries:

Susan McHanMortgage industry leader.

Mark DuvallChartered Financial Analyst and wealth management

expert.

In 2004, these pioneers recognized a number of key shifts in the real estate purchase and sale industry. Responding to these trends, they designed a company to better serve buyers and sellers.

Driven by innovative entrepreneurs.

Jonathan LeeTechnology entrepreneur and a

pioneer in cloud computing.

We are living longer. That’s great, but means we must finance longer retirements.

Traditional retirement strategies with guaranteed lifetime payments are a thing of the past. We are now more responsible for funding our own retirement.

Real estate purchases and sales are typically among the most significant financial decisions we make in our lives, yet most people go through these without any financial planning advice.

Opes Advisors has developed the first Real Estate Decision Technology to fuse wealth ser-vices with mortgage lending services. This unique approach provides clients with a personal financial model that empowers more effective life decisions, such as buying a home.

What makes Opes different?

When it comes to signing on with a new lender that claims to meet both your career needs and the needs of your clients, you have a variety of choices. But only Opes gives you the unique advantage of proven Real Estate Decision Technology and the support of asset management services to provide a better real estate financing experience, one that has their future personal goals in mind.

A client was considering how to downsize. Together, we modeled a variety of scenarios and settled on her buying a smaller replacement home that enhanced her overall net wealth. Afterwards, the Realtor® shared his appreciation of how we took care of his client. As a result, we have a tremendously closer referral relationship!Ann Timoney | Mortgage Advisor | Los Gatos, CA Erin Whalen | Wealth Advisor | Cupertino, CA”

“

MortgageAdvisors

182Employees

and growing

453

Headquarters inCupertino, CA

With 42 retail branches in California, Oregon and Washington, Opes Advisors is a fast-growing, privately-owned mortgage banking and asset management firm.

Helped over 4,700homeowners in 2014

27th largest U.S.Mortgage Bank

Total Loan Volume:

2014

$2.5Billion

2015 est.

$3.3Billion

That’s 32% year-on-year growth!

Where did that growth come from?

Conforming: 51% Jumbo: 38%

Government: 10% Other: 1%

Opes Advisors retains a $2 billion mortgage loan servicing portfolio to help Mortgage Advisors stay in front of clients.

69% Liquid

4% Non-Liquid

27% Home Equity

47% Liquid

5% Non-Liquid

48% Home Equity

8% Liquid

2% Non-Liquid

90% Home Equity

OPES ADVANTAGE

Net Worth2015

First Plan Year

2042First Year of Retirement

2055Year Before Liquid Assets Run Out

Richard & Kathy Client

July 24, 2015

Proprietary financial modeling software.

Imagine combining the power of proven technology, integrated mortgage services and compassionate people—that’s what Opes Advisors does to create a dynamic and holistic view of a client’s entire financial situation.

69% Liquid

4% Non-Liquid

27% Home Equity

47% Liquid

5% Non-Liquid

48% Home Equity

8% Liquid

2% Non-Liquid

90% Home Equity

OPES ADVANTAGE

Net Worth2015

First Plan Year

2042First Year of Retirement

2055Year Before Liquid Assets Run Out

Richard & Kathy Client

July 24, 2015

69% Liquid

4% Non-Liquid

27% Home Equity

47% Liquid

5% Non-Liquid

48% Home Equity

8% Liquid

2% Non-Liquid

90% Home Equity

OPES ADVANTAGE

Net Worth2015

First Plan Year

2042First Year of Retirement

2055Year Before Liquid Assets Run Out

Richard & Kathy Client

July 24, 2015

Our proprietary Real Estate Decision Technology, Opes Advantage, captures and presents a person’s complete asset data and allows them to instantly preview the effect of a purchase or sale. More comprehensive and credible than a mere estimate, our software gives your clients the actual knowledge they need to control their financial future and meet their life goals.

Investing in you.

The PFA Program was incredibly rewarding. This knowledge is something unique to offer my clients and referral partners. It enables me to develop a deeper understanding of my clients’ needs that will lead to long-lasting relationships. I’m feeling empowered and more valuable compared to other originators.Julie Thall | Mortgage and Personal Finance Advisor | San Mateo, CA ”

“

Opes Advisors has an entire Learning Department focused on helping you stand out in a competitive market. We help develop your financial knowledge and ability to lead clients through Real Estate Decision Modeling using our proprietary software, Opes Advantage. You can choose to grow your competitive advantage through becoming an Investment Advisor Representative (IAR) and a Personal Finance Advisor (PFA).

Becoming a Series 65 Investment Advisor Representative unlocks:

• Recognition for achieving a respected financial services professional credential• Knowledge and legal standing to provide planning advice to clients• Additional income earned through a trailing annuity for referring Opes Asset

Management clients

Completing the Personal Finance Advisor program opens new opportunities through:

• Deeper relationships with clients by developing a Housing and Lifestyle Assessment to help guide their real estate decisions

• Access to specialized PFA marketing materials

We get you up and running—fast!

Our onboarding support helps you seamlessly continue business development as you transition to Opes Advisors:

• Business cards are ordered the day you join Opes• A personal email signature is created for you with direct links to social media and an online

application• We help upload your database into our marketing platforms and assist with the production

of personalized emails and postcards announcing your transition to Opes Advisors• A personalized micro-site is created for you on opesadvisors.com

Sales Presentation SupportAs an Opes Mortgage Advisor, you are equipped with a team of experts to help you use and present Opes Advantage, our proprietary Real Estate Decision Technology that helps clients make smarter real estate financing decisions. You benefit from the 10 years we invested in developing a marketing and sales system designed to help you differentiate yourself and build deeper client and referral relationships.

sells. Opes Advisors can help them bridge that gap. Access up to 80% of the equity for up to 6 months Interest only payments

Contact me to learn more about our bridge loans and how I can tailor mortgage

opesadvisors.comOpes Advisors is licensed by the CA Department of Business Oversight 4150089 under the California Residential Mortgage Lenders Act,

Oregon ML-4902, Washington CL-1178435 and NMLS 235584. Equal Opportunity Lender. Opes Advisors is a registered investment

advisor with the Securities and Exchange Commission (SEC). ©2014 Opes Advisors, Inc. All Rights Reserved.

Helping your clients close the gap.

Robert CoombsMarketing Manager rcoombs@opesadvisors.com

purchases. Details include:

10.1% down payment

No mortgage insurance

Faster credit approval from local Underwriters

that help you put clients in their dream home. You can rely on me for expert advice and fast

opesadvisors.com

Act, Oregon ML-4902, Washington CL-1178435 and NMLS 235584. Equal Opportunity Lender. Opes Advisors is a registered

High Leverage Jumbo Loans

Robert CoombsMarketing Manager

rcoombs@opesadvisors.com

Lock and Shop. Lock in a mortgage interest rate for up to 90 days while clients

shop for a home.

Builder Lock. Lock in an interest

lower interest rate if rates decline.

Rate lock options from Opes.

opesadvisors.com

Opes Advisors is licensed by the CA Department of Business Oversight 4150089 under the California Residential Mortgage Lenders Act,

Oregon ML-4902, Washington CL-1178435 and NMLS 235584. Equal Opportunity Lender. Opes Advisors is a registered investment

advisor with the Securities and Exchange Commission (SEC). ©2014 Opes Advisors, Inc. All Rights Reserved..

You can rely on me for expert advice to help you understand the options available for

your clients and for great service from application to closing day.

Robert CoombsMarketing Manager

rcoombs@opesadvisors.com

Marketing CollateralSelect from a library of personalized sales presentations, brochures, flyers, booklets, email pieces, and stationary that can be personalized and co-branded. Advisors enjoy the ability to view, print or email collateral as a PDF.

Custom CollateralMortgage Advisors have access to design services for custom collateral, event marketing, and advertising materials.

OpesLinc: Customer Relationship Management (CRM)OpesLinc is a database management platform built with the unique needs of a mortgage originator in mind. Mine your contacts for business opportunities; segment your database to receive targeted email campaigns. Encompass loan data is automatically synced and updated. Available OpesLinc automated email marketing campaigns include:

• A weekly market update for referral partners• A weekly email highlighting products, programs, and relevant

industry news for real estate agents• eCards for client and referral partner

birthdays and all major holidays

ServicingWe provide servicing statements personalized with Advisor photo, contact information, and a service number for client questions.

Mortgage financing that’s

ready for renovations.

With a Home Renovation Mortgage from Opes Advisors, buyers can get one loan for both the

purchase and the needed repairs, allowing you to close even when the home needs improvements.

The mortgage amount is based on the projected value of the home after work is completed.

• Purchase or refinance with a single FHA Streamline loan

• Fixed rate and 5/1 ARM loan options

• 15- and 30-year terms

• 1-4 unit owner-occupied residences

• Prompt progress review and draw payments

• Up to $35,000 in repair costs can be added to the mortgage

Please don’t hesitate to contact me to learn more about the options that are available to you for

home renovation mortgages.

Firstname Lastname

NMLS #####Title Goes Here

flastname@opesadv

isors.com###.###.####

personalurl.com

opesadvisors.comHelp when you make the most important financial decisions of your life.

Opes Advisors is licensed by the CA Department of Business Oversight 4150089 under the California Residential Mortgage Lenders Act,

Oregon ML-4902, Washington CL-1178435 and NMLS 235584. Equal Opportunity Lender. Opes Advisors is a registered investment advisor

with the Securities and Exchange Commission (SEC). © 2015 Opes Advisors, Inc. All rights reserved.

Providing our Sales Team with a comprehensive portfolio of competitive products with a variety of Agency, Government, and delegated Non-Agency Jumbo programs is just one way we help Mortgage Advisors get their clients to Yes:

• FNMA and FHLMC approved, plus in-house servicing on all loans sold to Agencies• Strong relationships with an array of prominent Secondary Market investors to

leverage optimum pricing• Full GNMA approval offering FHA, VA, and USDA programs• Jumbo Direct, a proprietary Non-Agency product suite catering to niche

borrowers with options that allow DTI up to 50%, up to $1.5M in financing at 90% LTV, FICO scores down to 680, and unique income and asset situations

• Accessible options for first-time home buyers, including young professionals with minimal reserves and down payments

• Several affordable options for low- to medium-income borrowers that assist in achieving the dream of homeownership, including programs through the California Housing Finance Association and the Washington State Housing Finance Commission

Capital and Secondary Markets.

My team has one goal—to make you look like a hero to your clients.Sue Siudzinski | Director of Servicing ”“

UnderwritingOperations.

Our dedicated Operations Team helps Mortgage Advisors close more loans. With cutting edge technology, passionate people and close relationships with investors, our goal is to deliver a peerless processing experience to help get you to Yes!• One simplified LOS platform (Encompass) provides seamless processing and pipeline

management• Scenarios Desk assists with guideline questions and deal structuring• In-house Disclosures, Underwriting, QC, Doc Drawing and Funding means smoother

transactions• Local in-house Underwriters enable easier communication through each transaction• Delegated Underwriting with prominent investors allows

faster approvals• Ability to close loans in 15 days, purchase approvals

within 2 days, refinance approvals within 5 days

Post Close.Our dedicated Post Close Servicing Team is available to answer questions, helping you provide superior service to your clients after a loan closes. On loans with retained service, billing statements with your photo and contact information keep you in front of your clients. And, you have direct access to our in-house experts who have the loan history at their fingertips—all just a phone call away.

Su Mo Tu We Th Fr Sa

1 2 3 48 9 10 11

5 6 715 16 17 18

12 13 1422 23 24 25

19 20 2129 3026 27 28

Opting for a unique career path.

Opes Advisors is a Registered Investment Advisor with the SEC. Because of this, we can sponsor our Mortgage Advisors to become Series 65 Investment Advisor Representatives to develop their knowledge and earn the legal standing to offer this specialized leadership and planning help. As an Opes Mortgage Advisor, you will enjoy discounts on exam preparation tools and company sponsorship of your Series 65.

Once registered as Series 65 Investment Advisor Representatives (IARs), our Mortgage Advisors complete our internal Personal Finance Advisor Certification Program. In this program, PFAs develop the financial knowledge and capacity to use our proprietary Opes Advantage software, which blends housing affordability with financial planning to provide clients with a Housing and Lifestyle Analysis that helps them make effective mortgage decisions.

Benefits.Health InsuranceWe provide comprehensive PPO and HSA plans for medical, dental, and vision care. Employees are eligible after 30 days of employment. Opes Advisors pays a portion of the cost and makes a contribution to the HSA.

401(k) Retirement PlanOpes Advisors offers a qualified 401(k) Retirement Plan and provides a quarterly matching contribution. Employees are eligible after 90 days of employment.

Life and Disability InsuranceOpes Advisors provides employees with a company-paid life and disability insurance package. Employees are eligible after 90 days of employment and can elect supplementary coverage. The package provides:• Up to $25,000 in Group Life Insurance coverage• Up to $25,000 in Group Accident Death and Dismemberment Insurance coverage• 55% of your pre-disability weekly earnings up to $1,011 in Short-term Disability coverage

(available to non-CA residents only)• 60% of your base salary, up to $10,000 per month in Long-term Disability coverage

Flexible Spending AccountEmployees can participate in a qualified plan to pay for up to $500 in dependent care and/or up to $2,500 of out-of-pocket health expenses on a pre-tax basis.

Employee Assistance Program (EAP)Employees and their immediate family members may access our company-paid Life Assistance EAP, which provides counseling on work, home, personal or family issues.

Competitive CompensationOpes Advisors offers a highly-competitive compensation package and the support to help you maximize your potential.

Innovation

Success

Teamwork

Responsibility

TRUST

Accountability

Appreciation

RELIABILITYRESPECT

family atmosphere

Great friends

grillmasters in action

who doesn’t love a pinata?!

special recognitionteamwork!

more great friends!

great leadership!fun events

Meaning, passion, and relationships.

At Opes Advisors we strive to live a meaningful life and do good work in service of something larger than ourselves.

More than mortgage.We are innovators, with a mission to change the way people make real estate financing decisions. Only Opes Advisors combines compassionate people, proven technology, and integrated loan services to grow your business through the market’s inevitable ups and downs.

To learn more about becoming an Opes Mortgage Advisor, email our Recruiting Team at recruiting@opesadvisors.com.

Opes Advisors has 42 locations in California, Oregon, and Washington.

The difference is clear. Put the power of Opes Advisors to work for you today.

Opes Advisors is licensed by the CA Department of Business Oversight under the California Residential Mortgage Lending Act, License #4150089, Oregon ML-4902, Washington CL-1178435 and NMLS 235584. Equal Opportunity Lender. Opes Advisors is a registered investment advisor with the Securities and Exchange Commission (SEC). © 2015 Opes Advisors, Inc. All rights reserved.

We have a tremendous opportunity to provide a more meaningful experience to people when they are making the decision to buy or sell a home. With Opes Advantage, our proprietary Real Estate Decision Technology and our team of highly trained and compassionate Mortgage Advisors, we will transform the experience of real estate finance in a profound way. I’m excited about the future and invite you to learn more about Opes Advisors and what we can accomplish together.

Susan McHan | Co-Founder, CEO & Mortgage Bank President”

“