This document describes a mortgage restructuring program that offers principal loan reductions with no credit score requirements. It purchases home mortgage notes at a discount from their market value, then provides homeowners with a new loan for the current market value of the home with a reduced principal balance and interest rate. This program is presented as an alternative to foreclosure and aims to save homeowners over $800 per month on their housing payments.

1. HOME OWNER MORTGAGE RESTRUCTURING ™ WWW.FINCAPONLINE.COM VER3.10.10 HOMR

2. What we do We offer a no credit score refinance/ principal reduction We purchase notes at a discount, based on market value, which are then liquidated for a profit. WWW.FINCAPONLINE.COM VER3.10.10 HOMR

3. THIS IS NOT A LOAN MODIFCATION THIS IS NOT: A LOAN MODIFICATION A SHORT SALE A DEED IN LIEU OF FORECLOSURE A FORBEARANCE FOR THE UNEMPLOYED THIS IS: A PRINCIPAL LOAN REDUCTION NO CREDIT SCORE THE AMERICAN HOMNEOWNERS LAST CHANCE FOR FINANCIAL FREEDOM WWW.FINCAPONLINE.COM VER3.10.10 HOMR

6. Customer Service

9. Banks are in the business of lending, not real estate.

10. It cost less to liquidate, then it does to foreclose, short sale or REO.

11. Since we package all notes together, we are able to buy at a discount.

12. Banks can lend immediately on the money that they earn from the liquidation.WWW.FINCAPONLINE.COM VER3.10.10 HOMR

13. What we present to the bank Continue Next page WWW.FINCAPONLINE.COM VER3.10.10 HOMR

14. * A/F – SALE OF HOME AFTER FORECLOSURE WWW.FINCAPONLINE.COM VER3.10.10 HOMR

15. What happens now? CURRENT MORTGAGE: Loan Amount Interest Rate Monthly Payments 1st Loan $350,000 7.5 % $ 2,447.00 2nd Loan $ 50,000 9.0 % $ 402.00 Total Loan $400,000 $ 2,849.00+ T/I NEW MORTGAGE ESTIMATES: Current Market Value (CMV) / Broker Price Option (BPO): $250,000 Loan Amount Interest Rate Monthly Payments Loan $250,000 (100% CMV) 8.75% principal & interest $ 1,966.75 + T/I Instant monthly savings = $882.25 Eliminate $150,000 of NEGATIVE EQUITY! WWW.FINCAPONLINE.COM VER3.10.10 HOMR

16. WHAT’S IN IT FOR YOU? Your old mortgage payment $2,849+T/I / month Your NEW mortgage payment $ 1,966.75 + T/I monthly* You Save $ 882.25 month That’s $11,587.00 / year *BASED ON 8.75 % 30yr Fixed Rate WWW.FINCAPONLINE.COM VER3.10.10 HOMR

17. DOESN’T MATTER IF… UPSIDE DOWN BEHIND IN PAYMENTS IN FORECLOSURE WWW.FINCAPONLINE.COM VER3.10.10 HOMR

18. REGARDLESS OF Loan To Value High Debt To Income Ratio’s Notice of Default Notice of Trustee Sale Alternative Income Allowed WWW.FINCAPONLINE.COM VER3.10.10 HOMR

19. THE SOLUTION… We BUY your note from your bank We OFFER you a NEW LOAN with minimum qualifications needed! Each homeowners situation is unique! WWW.FINCAPONLINE.COM VER3.10.10 HOMR

20. THE LOAN We will refinance your property once we have purchased the note from your existing lender. Then we will place you with our private investors on the following program. New Restructured Mortgage Term: Impounds Mandatory – No Pre Payment Penalty 1st – 30th year – 8.75% Principal and Interestfully amortized over 30 years WWW.FINCAPONLINE.COM VER3.10.10 HOMR

21. HOW MUCH? Notice Of Default or Notice of Sale $500* rush fee additional *(if applicable) ONE TIME PROGRAM FEE OF ONLY $1,395.00 1st $595.00 2nd** **(if present) WWW.FINCAPONLINE.COM VER3.10.10 HOMR

22. GETTING STARTED Application Borrowers Authorization Financial Worksheet Payment Form WWW.FINCAPONLINE.COM VER3.10.10 HOMR

23. What You’ll Need To Start Mortgage Statement(s) (1st and 2nd) Income Documentation (i.e. pay stubs “30 days”, last yrs W-2, 1099) Hardship Letter Hazard insurance (Declaration pg.) Copy of Driver’s License(s) All Correspondence Letters (from Lender to Borrower) Notice of Default – if Applicable Notice of Trustee Sale ‐ if Applicable Loan Modification Documentation – if Applicable Property Tax Statement Payment WWW.FINCAPONLINE.COM VER3.10.10 HOMR

24. ARE YOU QUALIFIED? Must be 60 late days or more on mortgage payment Must be upside down on mortgage vs. property value on 1st Primary Residence and 2nd Homes only Names on title and Trust Deed can be added or removed Home in BK is good – the pre-arranged HOMR™ program would need to be either approved the Trustee of the BK released prior to closing or concurrently. Debt consolidation payment grossed up by 125% SSI grossed up by 125% Rental income calculated at 75% of lease payment Max loan amount $1,500,000.00 Approved states are AZ, CA, HI, NV WWW.FINCAPONLINE.COM VER3.10.10 HOMR

25. HOMR™ Program Guidelines WWW.FINCAPONLINE.COM VER3.10.10 HOMR

26. HOMR™ Program Guidelines continued WWW.FINCAPONLINE.COM VER3.10.10 HOMR

27. To Get Started Today Please Call! info@fincaponline.com Direct 949-276-6803 Fax 949-281-5290 www.fincaponline.com WWW.FINCAPONLINE.COM VER3.10.10 HOMR