Ready to build your own Full time or Part-time nationwide business and quit worrying about layoffs? Ready to focus on helping other people as you help yourself? Ready to commit to learn a system that will help you reach your financial goals, while helping others reach theirs? Ready to be serious about your future? 08/06/09

Ready to build your own Full time or Part-time nationwide business and quit worrying about layoffs?

Ready to focus on helping other people as you help yourself?

Ready to commit to learn a system that will help you reach your financial goals, while helping others reach theirs?

Ready to be serious about your future?

Have you ever said… “ There’s Got to Be a Better Way to Make a Living ”? Are you tired of living paycheck to paycheck? Are you ready to feel good about who you are & what you do? Have you had enough of negative news in the media? Are you ready to be part of the solution, not part of the problem? 08/06/09

Have you ever said…

“ There’s Got to Be a Better Way to Make a Living ”?

Are you tired of living paycheck to paycheck?

Are you ready to feel good about who you are & what you do?

Have you had enough of negative news in the media?

Are you ready to be part of the solution, not part of the problem?

REAL FINANCE SOLUTIONS invites you to start building an exciting Part-time or Full time career! Become a Consumer Advocate. Be a RFS Consultant and help counsel people on… FHA, VA & Conventional Loans Commercial Loans Reverse Mortgages (homeowners 62 years and over) Loan Modifications Credit Management Real Estate Buyer, Seller & For Sale By Owner Services 08/06/09

REAL FINANCE SOLUTIONS invites you to start building an exciting Part-time or Full time career! Become a Consumer Advocate. Be a RFS Consultant and help counsel people on…

FHA, VA & Conventional Loans

Commercial Loans

Reverse Mortgages (homeowners 62 years and over)

Loan Modifications

Credit Management

Real Estate Buyer, Seller & For Sale By Owner Services

Founders Patricia & Michael Boyd and their Leadership Team have long been consumer advocates. They have been educating real estate & mortgage professionals and consumers on how to avoid predatory business practices since 1987. As President, Patricia is committed to helping as many people as possible take charge of their lives. In 2000 Patricia published a book for consumers called “How to Buy & Sell Your Home Without Getting Ripped Off!” She is also the author of a designation seminar called “ Real Finance: A Consumer Advocate Approach to Real Estate & Mortgages .” 08/06/09

Founders Patricia & Michael Boyd and their Leadership Team have long been consumer advocates. They have been educating real estate & mortgage professionals and consumers on how to avoid predatory business practices since 1987.

As President, Patricia is committed to helping as many people as possible take charge of their lives.

In 2000 Patricia published a book for

consumers called “How to Buy & Sell

Your Home Without Getting Ripped Off!”

She is also the author of a designation

seminar called “ Real Finance: A Consumer

Advocate Approach to Real Estate & Mortgages .”

Helping Others The American Dream We believe everyone deserves to live the life they dream about. We are committed to helping our clients realize the “American Dream of Home Ownership” without having to worry about getting ripped off. REAL FINANCE SOLUTIONS invites you to join us in our mission to help others as we help ourselves. 08/06/09

Helping Others

The American Dream

We believe everyone deserves to live the life they dream about.

We are committed to helping our clients realize the “American Dream of Home Ownership” without having to worry about getting ripped off.

REAL FINANCE

SOLUTIONS invites

you to join us in our

mission to help

others as we help

ourselves.

REAL FINANCE SOLUTIONS is not a mortgage lender or broker… Instead, we are a Network of RFS Consultants whose members are dedicated to protecting consumers from predatory business practices. 08/06/09

Training provided – no experience necessary Certification program: -- “ Real Finance: A Consumer Advocate Approach to Real Estate & Mortgages ” Your Manager will help you identify your goals & build a business plan designed to help you succeed KISS Principle – Keep It Short & Simple 08/06/09

Training provided – no experience necessary

Certification program:

-- “ Real Finance: A Consumer Advocate Approach to Real Estate & Mortgages ”

Your Manager will help you identify your goals & build a business plan designed to help you succeed

KISS Principle –

Ask… “ Is everything I am doing today helping me get to where I want to be tomorrow?” 08/06/09

Advocate for the consumer Interview lenders to participate on the system Hold lenders accountable to deliver what they promise, and to close on time Educate RFS Consultants on consumer advocacy, predatory lending, mortgage fraud and mortgage loan products 08/06/09

Advocate for the consumer

Interview lenders to participate on the system

Hold lenders accountable to deliver what they promise, and to close on time

Educate RFS Consultants on consumer advocacy, predatory lending, mortgage fraud and mortgage loan products

REAL FINANCE SOLUTIONS has access to over 35 Investors for multiple quotes No Upfront Fees Required Loans available 50 states Minimum Loan Amount $50,000 www.RealFinanceSolutions.com 08/06/09

REAL FINANCE SOLUTIONS has access to over 35 Investors for multiple quotes

No Upfront Fees Required

Loans available 50 states

Minimum Loan Amount $50,000

Counsel on type of loans offered Review 5 C’s of Underwriting & impact credit score has on rate Review Loan Process from application to closing & set realistic expectations Assist borrower with selecting best program & entering information for application Introduce borrower to Lender TEAM Leader Loan Specialist via 3-way conference call 08/06/09

Counsel on type of loans offered

Review 5 C’s of Underwriting & impact credit score has on rate

Review Loan Process from application to closing & set realistic expectations

Assist borrower with selecting best program & entering information for application

Introduce borrower to Lender TEAM Leader Loan Specialist via 3-way conference call

RFS Consultant is an Independent Contractor CLOs fee paid by borrower for Consulting services rendered utilizing CLOs technology Ensures borrower receives most competitive program without bias to compensation or limitation to working for one lender If borrower obtains a loan from a lender on the System the lender will pay the CLOs fee CLOs fee will not vary from lender to lender or change depending on loan amount or type of loan CLOs fee will be identified in section 800 of HUD-1 Settlement Statement 08/06/09

RFS Consultant is an Independent Contractor

CLOs fee paid by borrower for Consulting services rendered utilizing CLOs technology

Ensures borrower receives most competitive program without bias to compensation or limitation to working for one lender

If borrower obtains a loan from a lender on the System the lender will pay the CLOs fee

CLOs fee will not vary from lender to lender or change depending on loan amount or type of loan

CLOs fee will be identified in section 800 of HUD-1 Settlement Statement

Is not designed to attract loan originators that desire to charge a borrower as much as possible to obtain the highest commission they can on each individual loan. REAL FINANCE SOLUTIONS provides a system for professionals interested in providing a consumer advocate approach to financing and to help their clients avoid predatory business practices and excessive fees. Professionals passionate about helping others 08/06/09

Is not designed to attract loan originators that desire to charge a borrower as much as possible to obtain the highest commission they can on each individual loan.

REAL FINANCE SOLUTIONS provides a system for professionals interested in providing a consumer advocate approach to financing and to help their clients avoid predatory business practices and excessive fees.

Professionals passionate about helping others

RFS Consultants earn 70% of the net CLOs counseling fee with balance paid to 3 RFS TEAM Management levels. You have an opportunity to build a team and receive Production Bonuses. “ I would rather make 1% from 100 people’s effort than 100% from my own effort!” J. Paul Getty 08/06/09

RFS Consultants earn 70% of the net CLOs counseling fee with balance paid to 3 RFS TEAM Management levels.

You have an opportunity to build a team and receive Production Bonuses.

“ I would rather make 1% from 100 people’s

effort than 100% from my own effort!”

J. Paul Getty

CLOs Fee $1250.00 Administration & System Maintenance Fees $ 300.00 Net CLOs Fee $ 950.00 RFS Consultant @ 70% $665.00 TEAM Production Bonus Level 1: Manager @ 15% $142.50 Level 2: Regional Manager @ 10% $ 95.00 Level 3: National Manager @ 5% $ 47.50 Commission paid on the 15 th & 30 th 08/06/09

CLOs Fee $1250.00

Administration & System Maintenance Fees $ 300.00

Net CLOs Fee $ 950.00

RFS Consultant @ 70% $665.00

TEAM Production Bonus

Level 1: Manager @ 15% $142.50

Level 2: Regional Manager @ 10% $ 95.00

Level 3: National Manager @ 5% $ 47.50

Commission paid on the 15 th & 30 th

Build Part-time 6/3/3

Just realized part-time income of $69, 540 Would that make a positive impact on your family? YOU decide how much time you want to invest in building your team and how many Consultants you want to bring onboard YOU are now in control of your financial destiny, not your boss Starting to feel good about who you are and what you do? 08/06/09

Just realized part-time income of $69, 540

Would that make a positive impact on your family?

YOU decide how much time you want to invest in building your team and how many Consultants you want to bring onboard

YOU are now in control of your financial destiny, not your boss

Starting to feel good about who you are and what you do?

LO Platform @ 2% $4000 CLOs Platform flat fee - $ 1250 Difference paid to typical $2750 Loan Originator Platform Where does difference paid to typical LO come from? Buyer or Seller’s Pocket! CLOs Cost to Borrower? No out of pocket cost to Consumer if Loan obtained from Lender on System REAL FINANCE SOLUTIONS SAVES CONSUMERS MONEY! 08/06/09

LO Platform @ 2% $4000

CLOs Platform flat fee - $ 1250

Difference paid to typical $2750

Loan Originator Platform

Where does difference

paid to typical LO come from?

CLOs Cost to Borrower?

www.RealFinanceSolutions.com Click Here Meet Our Team About Us Contact Us Website is Consumer Friendly Click on Meet Our Team 08/06/09

Meet Our Team

About Us

Contact Us

Website is Consumer Friendly

Click on Meet Our Team

RFS Consultant Profiles 08/06/09

08/06/09

08/06/09

08/06/09

Upon Completion of Application Goes to RFS Secure Server RFS CLO TEAM receives Email notification that new app has been submitted & matches loan with best lender to fit borrower needs & submits file to lender Lender CLO TEAM Loan Specialist reviews app & calls CLO and Borrower 08/06/09

Goes to RFS Secure Server

RFS CLO TEAM receives Email notification that new app has been submitted

& matches loan with best lender to fit borrower needs & submits file to lender

Lender CLO TEAM Loan Specialist reviews app & calls CLO and Borrower

From: Online Mortgage Application (Do not reply) [mailto:application@secureloandocs.com] Sent: Saturday, May 02, 2009 9:33 PM To: Codyann@codyamoran.com Subject: Cody Ann Moran, You have a New Application Started from Lola Ripley New Application Started from Lola Ripley Application information: Name: Lola Ripley Email Address: lolar@columbus.rr.com Co-Borrower: yes Home Phone number: (614) 358-4835 How did you hear about us: referred by Cody Moran Address: 165 4th Street, Ostrander OH, 43061 Amount of Loan: $110,000.00 08/06/09 Also receive an Email from RFS CLO Team Confirming Lender Selected & to Notify You that You Should Receive A Call within 24-hours from Lender CLO Team Leader

From: Online Mortgage Application (Do not reply)

[mailto:application@secureloandocs.com]

Sent: Saturday, May 02, 2009 9:33 PM

To: Codyann@codyamoran.com

Subject: Cody Ann Moran, You have a New Application Started from Lola Ripley

New Application Started from Lola Ripley

Application information:

Name: Lola Ripley

Email Address: lolar@columbus.rr.com

Co-Borrower: yes

Home Phone number: (614) 358-4835

How did you hear about us: referred by Cody Moran

Address: 165 4th Street, Ostrander OH, 43061

Amount of Loan: $110,000.00

Commission based on Origination Fee Net Commission = 50Basis Points 08/06/09

Commission based on Origination Fee

Net Commission = 50Basis Points

REAL FINANCE SOLUTIONS = Net Commission X 10% RFS Consultant = Net Commission X 70% Manager = Net Commission X 10% Regional Manager = Net Commission X 6% National Manager = Net Commission X 4% 08/06/09

REAL FINANCE SOLUTIONS = Net Commission X 10%

RFS Consultant = Net Commission X 70%

Manager = Net Commission X 10%

Regional Manager = Net Commission X 6%

National Manager = Net Commission X 4%

Loan Amount $1,000,000 RFS Commission x 50 basis points Net Commission $5,000 RFS Commission Schedule REAL FINANCE SOLUTIONS @10% $ 500 RFS Consultant @ 70% $3,500 Manager @ 10% $ 500 Regional Manager @ 6% $ 300 National Manager @ 4% $ 200 08/06/09

Loan Amount $1,000,000

RFS Commission x 50 basis points

Net Commission $5,000

RFS Commission Schedule

REAL FINANCE SOLUTIONS @10% $ 500

RFS Consultant @ 70% $3,500

Manager @ 10% $ 500

Regional Manager @ 6% $ 300

National Manager @ 4% $ 200

Help Borrowers Having Trouble with Mortgage Payments U.S. L oan S olutions 08/06/09

Help Borrowers Having Trouble with Mortgage Payments

U.S. L oan S olutions

Fee: $2500 Less: $1500 Processing & Attorney Fees Equals: $1000 - 400 USLS Administration Fee $ 600 -$ 25 RFS System Fee $ 575 X 70% $ 402.50 paid to RFS Consultant Manager: @ 15% = $86.25 Reg. Mgr: @ 10% = $57.50 N. Mgr: @ 5% = $28.75 08/06/09

Fee: $2500

Less: $1500 Processing & Attorney Fees

Equals: $1000

- 400 USLS Administration Fee

$ 600

-$ 25 RFS System Fee

$ 575

X 70%

$ 402.50 paid to RFS Consultant

Manager: @ 15% = $86.25

Reg. Mgr: @ 10% = $57.50

N. Mgr: @ 5% = $28.75

Get Started with an investment of only $30 for a background check and $149 RFS Certification Option to deduct RFS Certification fee from your first commission Total Upfront Fee for Start-up only $30! 08/06/09

Get Started with an investment of only $30 for a background check and $149 RFS Certification

Option to deduct RFS Certification fee from your first commission

Total Upfront Fee for

Start-up only $30!

If you like what you heard today and are ready to make a positive difference in your life and the lives of others we are ready when you are! 08/06/09

If you like what you heard today and are ready to make a positive difference in your life and the lives of others we are ready when you are!

Getting Started is Easy Obtain Manager code from person who introduced you 2. Go to Careers at RealFinanceSolutions.com & Click on Join Now 3. Set appointment for your Getting Started Interview to set goals & build your Business Plan 4. Take Action! www.RealFinanceSolutions.com 08/06/09

Getting Started is Easy

Obtain Manager code

from person who

introduced you

2. Go to Careers at

RealFinanceSolutions.com

& Click on Join Now

3. Set appointment for

your Getting Started

Interview to set goals &

build your Business Plan

4. Take Action!

Direct Manager Code Click Here 08/06/09

“ Welcome to the REAL FINANCE SOLUTIONS Team! Our goal is to provide you with the tools and knowledge you need to successfully reach your goals. We have a wonderful system but it only works if you do! Make a commitment to get off to a fast start by scheduling your Getting Started Interview with your Manager & creating a business plan you are willing to be held accountable to. I also encourage you to attend our weekly webinars to stay updated to new tools available to you & to changes in the market. If you are serious about being successful we will do all we can to help you reach your goals. We are excited to have you on our team.” Patricia Boyd, RFS 08/06/09

“ Welcome to the REAL FINANCE SOLUTIONS Team!

Our goal is to provide you with the tools and knowledge you need to successfully reach your goals. We have a wonderful system but it only works if you do! Make a commitment to get off to a fast start by scheduling your Getting Started Interview with your Manager & creating a business plan you are willing to be held accountable to. I also encourage you to attend our weekly webinars to stay updated to new tools available to you & to changes in the market. If you are serious about being successful we will do all we can to help you reach your goals. We are excited to have you on our team.”

Patricia Boyd, RFS

Attend our RFS Consultant Training Webinars Wednesday Night 9:00 – 10:00 EST Ask Your Manager to Email You the Webinar Invitation for this Week’s Webinar We Look Forward to Having You a Part of Our Team! 08/06/09

Attend our RFS Consultant Training Webinars

Wednesday Night 9:00 – 10:00 EST

Ask Your Manager to Email You the Webinar Invitation for this Week’s Webinar

We Look Forward to Having You a Part of Our Team!