February 2016 - The Industry's Best Kept Secret

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TH E M R EP O RT | 35 Special Advertorial Section INSURANCE COMPANY GUIDE CORPORATE PROFILE Genworth Mortgage Insurance, a division of Genworth Financial, Inc. (NYSE: GNW), is head- quartered in Raleigh, North Carolina, and oper- ates in all 50 states and the District of Columbia. Genworth MI works with lenders and other partners to help people responsibly achieve and maintain the dream of homeownership by ensuring the broad availability of affordable low down pay - ment mortgage loans. COMPANY HISTORY Genworth has been providing mortgage insurance products and services in the U.S. since 1981. BUSINESS LINES, SERVICES, AND PRODUCTS Genworth offers a full complement of mortgage in- surance products and services for lenders to help families achieve the dream of homeownership: • Competitive rates and guidelines • Technology that saves time in the origination process • Fast turn times–nearly 100 percent of loans are turned in eight hours or less • Expert guidance from Genworth's ActionCenter ® , regional underwriters and ap- praisers • Seasoned, knowledgeable sales, underwriting, and customer training teams • Innovative products like Homebuyer Privileges ® and Homeowner Assistance programs • New self-paced online Homebuyer Education Course COUNTERPARTY STRENGTH Genworth's comprehensive capital plan reflects its increasing financial flexibility, appropriate reserves, and a growing high quality book of new business: • Strategic business within diversified financial services company • Significant component of largest global private mortgage insurance enterprise • Strong claims paying ability with statutory combined assets of $3.2 billion as of Q3'15 and $1.9 billion total statutory combined capital as of Q3'15 • GMICO, Genworth's flagship insurer's risk-to- capital ratio in Q3'15 is 14.3:1, and the com - bined is 14.3:1 • $1.6 billion book value • $950 million reserved for current delinquencies • $7.8 billion claims paid to date since 2008 KEY FEATURES/BENEFITS Genworth has developed an identity in the industry for its service levels in underwriting and its innova- tions in technology, giving customers access to the fastest, easiest and most accurate ways to order mortgage insurance. Along with its seam- less rate quote and delegated ordering interfaces, Genworth has full, non-delegated integrations solutions with some of the largest LOS providers in the industry, including Ellie Mae (Encompass), Black Knight (Empower), and Mortgage Builder. These interfaces allow customers to deliver full loan packages (initial and trailing documentation) to Genworth, as well as receive their MI commit - ment, without navigating away from their LOS. COMPETITIVE ADVANTAGE One way Genworth is differentiated is through its continued focus on enhanced underwriting capabilities and customer service. With the complexity of today's loan origination and servicing environment, Genworth aims to simplify processes for customers so they can grow their business. Genworth is faster, easier to do business with, and more dedicated than ever to helping lenders get more borrowers approved. ADDED VALUE TO CLIENTS As an MI partner, Genworth remains committed to giving customers a great experience in every interaction and providing valuable assistance at every turn. Genworth's competitive pricing and guidelines, fast underwriting decisions, live ActionCenter® customer service, regional sales and underwriting expertise, hands-on training, expansive value proposition, and business-critical market insights help its customers serve more homebuyers. KEYS TO SUCCESS Genworth's team likes to focus on the bigger purpose of why mortgage professionals are in this industry in the first place. It's about getting people in homes and keeping them there. Together with lenders and homebuyers, we all play a role in making homeownership more attainable. KEY PERSONNEL Rohit Gupta President and CEO Dean Mitchell CFO Mike Derstine Chief Risk Officer Matt Young SVP, Sales John Clifford SVP, Commercial Operations STAFF Employees: 500 CONTACT INFORMATION 8325 Six Forks Road Raleigh, NC 27615 Phone: 800.444.5664 Web:

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