Founded in 1951, Philadelphia Federal Credit Union (PFCU) is a member-owned, not-for-profit financial institution serving Philadelphia and Columbia County. PFCU is among the top five credit unions in the Greater Philadelphia area with eleven branch locations, more than $1 billion in assets, 116,000 members and more than 400 Select Employee Groups (SEGs). We put our members first and we take a singular interest in their financial success. PFCU returns its profits to members in the form of higher interest rates, lower loan rates, better services, and investment in the community. We deliver uncompromising service, convenience and a complete offering of competitive financial products and services. In 2018, PFCU was named to Forbes’ first-ever “Best-in-State Credit Unions and Banks” list that measured survey respondents’ overall satisfaction with their financial institutions. For over 65 years, we’ve helped Philadelphians achieve their goals, and this extends to employees as well. Whether professional or personal goals, we provide employees with the tools they need to attain them. The credit union holds its employees to high standards when it comes to individual career success and works hard to create an atmosphere in which its diverse team can thrive. PFCU has been recognized by the Philadelphia Business Journal as one of the Best Places to Work and Healthiest Employers in the Philadelphia region.

Manasquan Bank has been dedicated to helping our community grow and thrive since 1874 with mortgages, construction loans, business loans, and everyday banking like checking and savings accounts. As technology has evolved, so have traditional banking capabilities and we take pride in providing you with the latest banking solutions. Our friendly, knowledgeable staff is ready to help you attain your goals—for personal finance, business management, loans, and more. Our main objective is and always has been to help our clients prosper.

Amboy Bank is a community bank offering banking services for individuals and businesses in New Jersey for over 130 years. Amboy's branch offices provide checking, savings, mortgages, home equity and business loans among many other high quality services. Amboy continues to be recognized as the Best Bank in Central New Jersey more than 20 years in a row by the Home Tribune News. Member FDIC. An Equal Housing Lender.

Arc Home, founded in 2016, is a leading Non-QM and Non-Agency TPO (Third Party Originations) mortgage lender, offering comprehensive mortgage solutions to our customers. We are owned by AG Mortgage Investment Trust, a publicly traded REIT, and other funds under management of Angelo Gordon, a privately held investment advisor with approximately $53B of assets under management. Our mission is to provide our clients with a comprehensive array of mortgage solutions with an emphasis on specialty products, delivered through a technology-driven process that is efficient, transparent, and competitive. To achieve this, we rely on our seasoned management team and a knowledgeable, helpful, and friendly staff who are committed to delivering superior products and competitive pricing, while providing exceptional customer service. We are licensed to operate in all States and the District of Columbia except HI, and are not licensed to engage in retail/direct to consumer lending activities in Nevada. We conduct business under the name Arc Home LLC. As a member of the Mortgage Bankers Association and an approved seller/servicer for Fannie Mae and Freddie Mac and an approved issuer/servicer for Ginnie Mae, we are dedicated to staying at the forefront of the mortgage industry. Arc Home LLC is an Equal Housing Opportunity Lender. 3001 Leadenhall Road, Suite 301; Mount Laurel, NJ 08054 Company NMLS #81386 AZ: Mortgage Banker License #0943937 CA: Licensed by the Department of Financial Protection & Innovation under the California Residential Mortgage Lending Act and the California Financing Law For a full list of our licenses, please follow the link below. http://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/81386 Arc Home is an Equal Opportunity Employer. California applicants follow the link below to learn more about our hiring policies. https://login.archomellc.com/uploads/sites/9868/public/Arc_Home_CPRA_Employment_Notice_01_01_23_0.pdf

EMM Loans LLC provides home loan products and services that support sustainable homeownership. EMM Loans LLC is committed to: ● Competitive Pricing, Products and Programs ● Open Communication and Teamwork ● Supporting our Employees’ Professional Growth ● Integrity and Transparency in Everything We Do ● Caring for the Communities we Work and Lend In ● Extraordinary Customer Service Founded in 2002 and headquartered in Cherry Hill -New Jersey, EMM Loans LLC is a full- service direct residential mortgage lender licensed in multiple states and spanning business from east to the west coast. The Company operates through two primary business channels: Retail and Wholesale, is a Fannie Mae approved seller/servicer and is an endorsed HUD lender offering FHA, VA, USDA, Jumbo and other traditional Fannie Mae/Freddie Mac eligible products. EMM Loans LLC is an Equal Housing Lender/Equal Opportunity Employer, Lender NMLS: 2926. www.nmlsconsumeraccess.org EMM Loans LLC recognizes and values each of its employees and strives for a compelling workplace culture. It is this belief and value that sets us apart from others and enabling us to grow forward in a positive and sustainable manner.

Crafted first federal, state and local regulatory compliance program with training modules for bank. Reviewed existing training software; found limited access and abundance of non-applicable information; created program included e.g.: comprehensive consumer and residential mortgage loan compliance program with procedures and templates and affirmative action program; worked with HR to revise hiring practices; worked with branch managers, residential and consumer lending managers and operations managers to develop training programs reflecting bank practices and state and federal regulatory compliance requirements; monitored performance. Reduced outside vendor expenses 33%; increased conformity; minority employee hires jumped from 1% to 9% within 6 months. Expanded bank fraud prevention program to encompass savings accounts Notified of presentment of counterfeit bills and fraudulent activities on child savings accounts; found bank had fraud procedures in place for checking accounts only; met with Country Prosecutor to discuss criminal charges; joined Southwest Ohio Fraud Investigators task force; gleaned best practices; developed bank fraud procedures and training. Experienced 300% drop in bank fraud.