Unison Home Ownership Investments - ([SDQGLQJ WKH 2SSRUWXQLWLHV IRU +RPH %X\HUV DQG /HQGHUV It is important to understand our business model and the impact of our innovation on the housing market. While most Fintech FRPSDQLHV DSSO\ WHFKQRORJ\ WR LPSURYH RU VSHHG XS DQ H[LVWLQJQDQFLDO VHUYLFH SURGXFW ZH KDYH GRQH VRPHWKLQJ PXFK PRUH IXQGDPHQWDO DQG LPSDFWIXO :H KDYH LQWURGXFHG D QHZQDQFLDO VHUYLFHV SURGXFW FDOOHG D +RPH 2ZQHUVKLS ΖQYHVWPHQW +RPHRZQHUV KDYH WUDGLWLRQDOO\QDQFHG WKHLU KRPHV ZLWK YDULRXV IRUPV RI GHEW :LWK GHEW WKH KRPHRZQHU SD\V LQWHUHVW DQG PDNHV PRQWKO\ SD\PHQWV $ +RPH 2ZQHUVKLS ΖQYHVWPHQW LV QRW GHEW EXW UDWKHU KRPHQDQFLQJ EDVHG RQ SDUWQHUVKLS $ +RPH 2ZQHUVKLS ΖQYHVWPHQW SURYLGHV FDVKQDQFLQJ WR KRPHRZQHUV RQ EHKDOI RI LQYHVWRUV VHHNLQJ ORQJWHUP SULFH H[SRVXUH WR UHVLGHQWLDO UHDO HVWDWH 7KLV QDWXUDOO\ DOLJQV WKH LQWHUHVWV RI WKH KRPHRZQHU DQG WKH LQYHVWRU DV SDUWQHUV +RPH 2ZQHUVKLS ΖQYHVWPHQWV ZHUH QRW DYDLODEOH WR KRPHRZQHUV RU LQYHVWRUV LQ WKH UHVLGHQWLDO KRXVLQJ PDUNHW XQWLO 8QLVRQ LQYHQWHG DQG ODXQFKHG WKLV QHZ FDWHJRU\ 8QLVRQ SURYLGHV ORQJWHUP LQYHVWPHQW FDSLWDO WR KRPHEX\LQJ FOLHQWV ZLWKRXW LQWHUHVW FKDUJHV RU PRQWKO\ SD\PHQWV ΖQVWHDG 8QLVRQV LQYHVWRUV HDUQ D UHWXUQ E\ VKDULQJ LQ WKH FKDQJH LQ YDOXH RI WKH KRPH XS RU GRZQ ZKHQ WKH KRPHRZQHU GHFLGHV WR VHOO XS WR \HDUV ODWHU $V SDUWQHUV ZH ZLQ RU ORVH WRJHWKHU ΖI WKH KRPH YDOXH ULVHV WKH KRPHRZQHU DQG WKH LQYHVWRU ERWK SURW ΖI WKH KRPH YDOXH IDOOV ERWK ORVH EXW WKH KRPHRZQHU ORVHV OHVV WKDQ WKH\ ZRXOG KDYH ZLWKRXW 8QLVRQ &RPELQLQJ GHEW ZLWK D +RPH 2ZQHUVKLS ΖQYHVWPHQW JLYHV KRPH EX\HUV VLJQLFDQWO\ PRUH H[LELOLW\ DQG FRQWURO WR FKRRVH QDQFLQJ WKDW ZRUNV EHVW IRU WKHP 7KDWV EHFDXVH WKHUH DUH FHUWDLQ WKLQJV D +RPH 2ZQHUVKLS ΖQYHVWPHQW FDQ GR IRU FRQVXPHUV WKDW GHEW FDQQRW LQFOXGLQJ * Making it easier for buyers to income-qualify for the mortgage loan needed to purchase the desired home. * Enabling them to purchase the desired home with a lower monthly payment (typically 20-25% lower). * Increasing the buyer's purchasing power by up to 100%, allowing them to choose the home they really want. * Allowing the buyer to retain cash after closing for important life needs such as college tuition, home remodeling, starting a business, investing for retirement or just as a cash cushion for a rainy day. * Unison's funds arrive as part of the cash down payment meaning that buyers will show a stronger RHU LQ FRPSHWLWLYH KRXVLQJ PDUNHWV %DQNV WKDW LQWHJUDWH 8QLVRQV SURJUDP LQWR WKHLU ORDQ SURGXFWV FDQ JHQHUDWH QHZ EXVLQHVV :Ζ7+287 LQFUHDVLQJ ULVN 8QLVRQ +RPH%X\HU LQFOXGHV NH\ FUHGLW HQKDQFHPHQW IHDWXUHV WKDW RSHQ SURGXFWLRQ IRU ORZ GRZQ SD\PHQW ORDQV ZLWK WKH VDPH ULVN SUROH DV D VWDQGDUG GRZQ SURGXFW 7KH FUHGLW HQKDQFHPHQW IHDWXUHV LQFOXGH * Loss sharing on home price depreciation. * A cap on additional debt tied to the house. * Credit monitoring and payment advances for delinquent borrowers. * 3URSULHWDU\ SURSHUW\OWHUV WKDW PLQLPL]H WKH ULVN of home price valuation errors. ΖQ DGGLWLRQ WR WKH SURJUDP LWVHOI 8QLVRQ ZRUNV ZLWK EDQNV RQ DQ RQJRLQJ FRPSUHKHQVLYH VHW RI FRPDUNHWLQJ DFWLYLWLHV DQG SXEOLF UHODWLRQ LQLWLDWLYHV WR DFFHOHUDWH SURGXFWLRQ 7KHVH DFWLYLWLHV ZLOO QRW RQO\ EULQJ LQ QHZ FRQVXPHUV DQG UHDOWRUV EXW DOVR LPSURYH ORDQ RFHU UHFUXLWPHQW DQG UHWHQWLRQ Unison HomeBuyer | 800-453-9580 | Unison.com ADVERTORIALhttp://www.Unison.com