The document summarizes the HomeBenefitIQ program, which provides employees access to discounted mortgage and real estate services through their employer's benefits portal. It aims to reduce employee stress over financial issues like home buying and refinancing, thereby increasing productivity and loyalty while costing employers nothing. Employers simply sign up to offer the program to their employees, who can then access customized mortgage solutions and advice through one-on-one advisors.

1. presentsHomeBenefitIQFinancial Wellness for Today’s Employees

3. Founded in 1986/an Orange County based company.

4. Proud provider of the Nation’s most widely accepted corporate mortgage & Real Estate benefits plan.The HOMEBenefitIQProgram Roland Weedon President Copyright, BenefitIQ, LLC, 2011

6. Experienced Insurance Professional

7. Recent Graduate from CSUF; Department of Business Management

8. 3+ Years Insurance Industry Experience, and Financial Services

9. Provider of the Nation’s most widely accepted corporate mortgage & Real Estate benefits plan.The HomeBenefitIQ Program Joshua K. Han Loan Officer Intern Copyright, BenefitIQ, LLC, 2011

11. Retirement/401K/Tuition ReimbursementIn today’s competitive environment you must continually seek value-added benefits that cost little or nothing. Copyright, BenefitIQ, LLC, 2011

12. This is the FUTURE of benefits! Over the next decade employers will be looking for a new benefit - Financial Education ~Employee Benefit Trends 2009 Survey 5 Copyright, BenefitIQ, LLC, 2011

13. Copyright, BenefitIQ, LLC, 2011

15. Our Results driven offering… Problems: 92% of employees are losing sleep due to financial worries! Worries: Presenteeism…employees are showing up for work, but are more worried about their financial issues than they are about getting their jobs done. Fears: Absenteeism… employee absence accounts for the equivalent of 35% of base payroll. Bottom line: The average worker spends 16 hours a month, or 10 percent of a 40-hour work week, on non-work related issues due to financial concerns. What are others doing about it?83% of 450 HR Professionals surveyed said they are considering providing employees with educational literature and/or workshops by (local) specialists. Copyright, BenefitIQ, LLC, 2011

16. Financially Stressed Employees Can Stress A Company’s Bottom Line Copyright, BenefitIQ, LLC, 2011

17. The NEED for Financial Wellness in the Workplace A recent study by the Personal Finance Employee Education Foundation sited that 4 hours of every work week is used by an employee on personal financial issues. To an employer with only 150 employees that equates to a loss of approximately $450,000 per year (assuming an annual wage of $30,000 per employee). The HomeBenefitIQ program is not only beneficial to the employee, but clearly the employer as well.

18. Benefit to the Employee No up-front application fees Friendly, quality experience One-on-one relationship with your Mortgage Advisor Team Customized mortgage solutions for your employees Rates and fees not available to the general public Price clarity — know the cost of the loan prior to committing to the process All employees are eligible and it's completely voluntary Benefits can be extended to family and friends Complete confidentiality Dedicated staff Educational “Lunch & Learn” seminars available Copyright, BenefitIQ, LLC, 2011

19. 12 Additional Services Monthly, your service provider can provide your employees, an email newsletter that offers relevant information about Real Estate, personal finance, and updates on Member Privileges/Employee Perks. We can, upon your request, hold training seminars on-site with topics like: Home Today; Secure Tomorrow - First-time home buying Fiscally Fit - Credit enhancement Buying investment properties and vacation homes Choosing an “adjustable rate” or “interest only” loan program Copyright, BenefitIQ, LLC, 2011

20. Your Company Site Lets’ look at the actual site your employees can see and utilize. Copyright, BenefitIQ, LLC, 2011

21. Employees gain access to your benefit program through the HomeBenefitIQ web platform. <insert> BenefitIQ’s Technology is Unparalleled in the Industry <insert>

22. 15 Once logged-in your employees engage with their pre-screened bundle of service professionals thus saving them time and money.

23. 16 Additional “Professional Partner” categories can be added to the site. All designed to save your employee time and money.

24. 17 Provide discounts on hundreds of everyday necessities and luxuries to your employees at no cost to the company. Especially in today’s economy people are looking for ways to save money. Whether it is for movies, sporting events, museums, Disney tickets or automotive services, everyone likes a discount. Here is an easy way to offer a simple solution that will show the company is thinking of their employees:

25. 18 Employees can easily access the assortment of National or local Essex Perks vendors via “Membership Privileges”. Local discounts via “Local Are Discounts”

26. 19 Simply click on the “Essex Perks” link:

27. 20 Click Northern or Southern California.

28. 21 Pick your broad, or specific, category. Example: Entertainment

29. 22 Pick your choice vendor. AMC Theaters

30. 23 Follow prompts to order and enjoy your discounted tickets. 40% Off

31. How Do I Offer HBIQ to My Employees? Sign the Employer/Organization Acknowledgement We establish a “Launch Date” for the program On Launch Date: You email your employees that a new benefit has been added. (We can provide you with standardized email text.) We provide you with a letter that explains the program. This letter is inserted into your New Member Packages and given to all employees, and HomeBenefitIQ member cards are issued. Provide you with lunchroom/break room/worksite posters. Monthly-We will provide you with an e-newsletter that keeps the employees/members up-to-date on the changing mortgage/Real Estate market, along with updates to the “Member Privilege” section. Copyright, BenefitIQ, LLC, 2011

32. HBIQ Rep & Professional Partner Envision the potential power of networking with your Professional Partners. Real Estate Agent, Financial Advisor, Insurance Agent. # of Clients? Financial Advisor with 500 Clients # of potential businesses? The potential is endless as you, and your professional partners, promote the Home Benefits package to their sphere of influence. Picture the ability to market to thousands of employees.

33. 26 ARE YOU READY? TO IMPLEMENT A PLAN TO INCREASE PRODUCTIVITY TO DECREASE ABSENTEEISM TO REDUCE TURNOVER LET’S GET STARTED! Thank You!