Recruiting Book

Choose to take your career TO THE NEXT LEVEL.

12140 Woodcrest Executive Drive | Saint Louis, Missouri 63141 National Headquarters

A MESSAGE FROM THE PRESIDENT & CEO

The hiring philosophy of DAS Acquisition Company, LLC is quite simple: there is always room for great people. Maintaining control over every aspect of a residential loan from origination and processing to underwriting, closing, and funding means there is never a shortage of opportunities. At DAS Acquisition Company, LLC we are always excited when someone is interested in joining our team. Our atmosphere is unique and very energetic. Management is extremely committed to training, yet frowns on micromanaging. Every employee knows and understands his or her individual role in making the team successful. At DAS Acquisition Company, we win as a team and lose as a team. DAS Acquisition Company, LLC is an Equal Opportunity Employer committed to creating a diverse workforce. We also recognize that people are our competitive advantage, and no goal is attainable unless our team members are satisfied in their work. That’s why we put so much emphasis on ensuring that DAS Acquisition Company, LLC is a great place to work. We are always looking for the right individuals whose expectations for excellence match our own. We realize that those people who ultimately become the most successful in our profession are those who ask the right questions upfront: “Is this the right profession for me?” That’s why we spend an extensive amount of time with prospective candidates. We will give you an honest view of both the advantages and disadvantages of a career opportunity in mortgage banking. This careful selection process works because prospective candidates develop a clear picture of what they can expect and what it will take to succeed.

Thank you for considering DAS Acquisition Company, LLC.

Douglas A. Schukar President & CEO

TABLE OF CONTENTS

Our Mission......................................................02 Leadership & Culture.....................................03 Products.......................................................... 04 ESOP. ................................................................05 Marketing........................................................ 06 Digital Services.............................................. 08 Sales Analytics................................................ 10 Sales Recognition. ...........................................11 DAS University.................................................12 Help Desks........................................................13 Employee Benefits..........................................14 Military...............................................................15 DAS Culture......................................................16

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OUR MISSION

“The unrelenting pursuit of perfection to provide a positive experience for our clients through a superior level of service to become their lender for life.”

State Licensee Licensed Branch Locations

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LEADERSHIP & CULTURE

Our leadership team is a wealth of knowledge. With centuries of collective industry knowledge, we pride ourselves as trailblazers of the industry, always striving to better the home loan process.

With a sales-centric infrastructure, our operations team is built to support our sales staff to facilitate smoother transactions thus enabling sales staff to produce.

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PRODUCTS

OUR UNBEATABLE COMBINATION OF PRODUCTS, PRICING, AND SERVICE ENSURES THAT YOUR CLIENTS WILL BE HAPPY THEY SELECTED DAS ACQUISITION.

Offering a diverse portfolio of products creates more opportunities for your client base. As a mortgage bank, we live in what CEO Doug Schukar refers to as the “sweet spot.” This “sweet spot” affords us the luxury of offering various products not only from our book of investors but also DAS Products, customized and exclusive to DAS Acquisition.

Fixed and Adjustable Rates

Government Loans (FHA, VA & USDA)

FNMA FHLMC

203K Renovation Loan FNMA Renovation Loans USDA Construction Loan

State Bond Programs

Jumbo Loans

Doctor Loan Non QM Loans

First Time Homebuyer Programs

No Cost Refinances Reverse Mortgages

Alternative Documentation Loan

Non-Warrantable Condos

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ESOP

Employee Stock Ownership Program (ESOP) DAS Acquisition is a 100% employee-owned ESOP. ESOPs are qualified retirement plans regulated by the Federal Government. It is similar to a profit sharing plan, except it is designed to invest primarily in company stock.

The Employee Stock Ownership Program began in 2017. Becoming an ESOP allowed DAS Acquisition to remain independent and preserve our legacy and culture.

“There is no better way to thank the people who have helped us achieve success as well as reward those who will be leading the charge in the future to enhance our winning customer experience.” -Douglas Schukar, President and CEO

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MARKETING

DAS Acquisition has a team of marketers dedicated to growing your brand & business through digital marketing, direct marketing, business-to-business marketing, and relationship management.

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For more information, please contact: Chelsea Vonder Haar, Marketing Manager (314) 628-2128 chelsea@dasacquisition.com

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MARKETING

Total Expert

Automated In-Process Communication Our loan originating system is fully integrated with multiple technology platforms to facilitate communications with all loan partners. Full Compliance Review As a heavily regulated financial institution, compliance is key. Our in-house attorney reviews all marketing pieces before its release to the public. This practice protects you not only from potential legal issues, but also ensures that our brand of integrity is fully intact. Personalized Websites All producers are given personalized websites for his/her online traffic. These sites are customized to each originator or team. All sites offer an online web application for a seamless loan application which feeds directly to our loan origination system. Promotional Items We value ourselves as branding savants. Our marketing team understands the need to cut through the noise of the competition with strategic marketing. Promotional items are an excellent way to solidify your relationship with effective and creative closing gifts, trade show items, and event promotions. Customer Relationship Management DAS offers a fully integrated CRM platform through Total Expert. As simple as an email address, our CRM can engage your customer whether he/she is still shopping for his/her dream home or if it is years after he/she closes with an annual mortgage checkup. Referral partners also benefit from the CRM with fully co-branded post-close drip campaigns, ensuring that when an opportunity arises, you and your team of professionals are always at the top of mind. Co-Branding Opportunities Total Expert along with our marketing team is a wonderful resource to help develop and maintain referral partnerships through co-branded marketing. Real estate professionals may order from a selection of print marketing materials or work with our award-winning graphic designers to create and produce production grade marketing materials for listings. Materials include websites, flyers, brochures, video, mail campaigns, promotional items, and more. REALTOR® Training Our Marketing Communications Coordinator, Danielle Komonce, is available to meet with you and your agents to train them in Total Expert and go over all that is available through DAS Marketing.

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DIGITAL SERVICES

Simple Nexus Mobile App Give your clients the home loan app they want and need. Our mortgage app can be set up specifically for your clients. Borrowers can run their own mortgage calculations, apply for a loan, and send documents. Additionally, your REALTORS® have instant access to see where your clients are at in the loan process.

Total Expert is designed to help you close more business in the digital age. Here are a few quick highlights of what you can expect: • Integrates with existing applications, such as SimpleNexus, to simplify your contact management. • Ability to communicate with your clients in their preferred medium, whether it is email, text messaging, social media or video. • Automated marketing and loan status communications (to all parties involved in the transaction, not just the borrower). • An easily accessible digital and direct-mail content library, including MLS integrated flyers. • Zillow TechConnect mortgage partner. •

Centralized co-marketing platform to help you scale your business, including lead capture applications and drip marketing campaigns that are co-branded with your referral partner.

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DIGITAL SERVICES

Motivity Analytics Software Motivity’s Mortgage Business Intelligence (MBI) platform transforms data into actionable insights and provides near real-time access to key data that enables clients to proactively and automatically deliver the right information, at the right time, to the right people and in the right way. Motivity’s business intelligence helps its clients generate and protect revenue, drive operational efficiencies and desired behaviors, improve compliance and reduce risk. Supplementary visuals for the end user are presented by Power BI. Power BI is a suite of business analytics tools that deliver insights throughout your organization. Connect to hundreds of data sources, simplify data prep, and drive ad hoc analysis. Produce beautiful reports, then publish them for your organization to consume on the web and across mobile devices. Everyone can create personalized dashboards with a unique, 360-degree view of their business. And scale across the enterprise, with governance and security built-in.

Reputation Management You can get greatly improved feedback volume by automating your survey requests. We integrate with most point of sale systems to send surveys based on transaction completion letting you set it and forget it. We let you customize your workflow, manage your public posts, and automatically share them via social media outlets.

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SALES ANALYTICS

Partnering with Motivity Solutions Motivity Solutions’ mortgage business intelligence delivers real time, powerful analytics enabling mortgage lenders to proactively monitor and manage operations across their enterprise. Dashboards, key performance metrics, and drillable reporting provide key executive insight to effectively execute strategic initiatives in sustaining peak performance levels and, when necessary, change course with fluid movements to maintain leadership position in the industry.

Analytics On-the-Go Through dynamic tracking, monitoring and measuring, originators can increase both quality and volume of loans with our Sales Management solution.

Mortgage Intelligence Mortgage Intelligence is a term describing the self-awareness of a mortgage lending operation as it relates to its ability to efficiently and effectively manage the mortgage pipeline. A robust mortgage business intelligence (MBI) toolset plays a key role in assessing, and incrementally improving, the level of mortgage intelligence.

“What gets measured gets results...”

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SALES RECOGNITION

Production Level Reports Monthly reporting communicating production levels and celebrating milestone accomplishments.

Monthly Performance Recognition Recognition of each originator for units and/or volume of a set threshold, communicated company- wide celebrating accomplishments of both sales and operations.

President’s Club Each year, we recognize the top twenty-five originators in volume and units to be rewarded with special recognition and a resort getaway for two. The top ten are in the DAS Diamond Club and the top twenty-five are in the DAS Platinum Club.

DAS DIAMOND CLUB Top 10

PLATINUM CLUB Top 25

DAS DIAMOND CLUB Top 10 Mortgage Banker

DAS PLATINUM CLU Top 25 Mortgage Banker

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DAS UNIVERSITY

We were very excited to relaunch our training department, DAS University, in 2016. DAS University was given new life with a fresh approach to training. DAS University is spearheaded by our Onboarding Department. In the recent past, we had big changes in industry regulation. DAS Acquisition took and will always take an aggressive approach to educating its employees by always staying a step ahead of the industry standards.

“Success is no accident. It is hard work, perseverance, learning, studying, sacrifice, and most of all, love of what you are doing or learning to do.” -Pele

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HELP DESKS

As a sales-centric company, our infrastructure is built to keep you in the field producing, not caught up in the office with paperwork. Our solution to this is offering a quick-solution resource center to keep the process moving along seamlessly. Our various help desks are managed by experts of his/ her craft to ensure you receive responsive and precise results.

Underwriting Help Desk The Underwriting Help Desk was created to help originators navigate the various programs DAS offers to ensure he/she is delivering the best solution to his/her client with the greatest of accuracy. This desk is managed by a team of veteran underwriters. This team will run scenarios, calculate self-employed income, verify the loan is within guidelines and other various situations that will help deliver the loan timely.

Encompass Help Desk Our Encompass Help Desk team has been nationally recognized for their extensive customization of the cloud-based program. We are ever-changing the system to help create efficiencies within the loan process to allow more time for training and originating. This team of professionals travels to annual summits to ensure DAS Acquisition is operating with the most advanced technology available.

I.T. Help Desk From live, nationwide webinar broadcasts to spam filters, our I.T. team has a wealth of knowledge across the board to keep business rolling at high speed. With technology as king, our team of I.T. professionals is constantly upgrading our technologies to maintain an efficient, well-maintained machine. Desks are managed by experts in their craft to ensure you receive responsive and precise results.

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EMPLOYEE BENEFITS

401(K) Retirement Plan To support the future needs of our employees, DAS Acquisition offers a 401(K) Retirement plan with online access, which allows for contribution changes as frequent as each pay period. DAS Acquisition offers matching contributions and rollovers from qualified plans. Starting in 2019, DAS Acquisition will be increasing the company match for all employees. Life Insurance Supplemental Life Insurance and AD&D DAS Acquisition provides a life insurance policy for all employees. In addition, employees may elect to supplement their life insurance with a supplemental policy. Health Insurance A comprehensive package which includes full medical (with two options to choose from), dental and vision. Flexible Spending Account Medical expenses and child care expenses. An FSA account allows you to shelter pre-tax income for medical expenses and/or child care expenses.

Short Term Disability To provide income replacement benefits should an employee be unable to work for extended periods of time due to illness or injury.

For more information, please contact: Jennifer Bell, HR Manager (314) 628-2051 jbell@dasacquisition.com

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MILITARY

DAS ACQUISITION COMPANY IS COMMITTED TO OUR ACTIVE MILITARY AND VETERANS. Employer Support of the Guard and Reserve (”ESGR”) awarded DAS Acquisition with the ESGR Pro Patria, Above and Beyond and Patriotic Employer awards. Humbled and proud, DAS Acquisition supports all of our military men and women from deployed military employees to our VA clients. A challenge coin is a small coin or medallion (usually military), bearing an organization’s insignia or emblem and carried by the organization’s members. Traditionally, they are given to prove membership when challenged and to enhance morale. In addition, they are also collected by service members. In practice, challenge coins are presented by unit commanders to unit members for special achievements. They are also exchanged in recognition of visits to an organization.

Pictured below are photos of the challenge coin sent to all VA clients with a sincere letter of gratitude for their services.

DAS CULTURE

A culture like no other. DAS Acquisition embraces and celebrates a culture built on creativity and diversity. Every voice, every idea is heard and cultivated to create a dynamic, ever-evolving culture for the creative and innovative.

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DAS CULTURE

Student Loan Reimbursement Offering up to $10,000 in student loan reimbursements. DAS Athletics From bubble soccer to sand volleyball to bowling, DAS Athletics has something for everyone including a quarterly 5k race team! DAS Gives DAS Gives is an employee-driven program where we strive to focus on supporting charities that are near and dear to our employee’s hearts. We care about what our employees care about. In 2018, our employees volunteered hundreds of hours and helped raise almost $100,000 for charities through fundraising and donations. Annual Golf Outing In just three years, we have raised over $20,000 for local charities that are committed to the betterment of our community. Annual Kickoff Celebration An employee favorite, this celebration brings together the full DAS Family from across the nation to celebrate the accomplishments of the year’s past and set goals for the future in a variety hour- fashioned show filled with laughs and professional recognition.

Race for the Cure

Old Newsboys Day

3rd Annual DAS Golf Outing

Habitat for Humanity

KTB2 Marathon

Yes on 4 Rally

DAS Night at the Park

Pride Parade

Habitat for Humanity

DAS 15th Anniversary

St. Patrick’s Day Parade

Red Nose Day

12140 Woodcrest Executive Drive | Saint Louis, Missouri 63141 NMLS: 227262 | www.usa-mortgage.com

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