The document summarizes the benefits and opportunities of a career with The Lending Company of the Future (TLG). TLG aims to revolutionize the mortgage planning industry by offering a wide range of competitive mortgage products and a proven duplicable marketing system. The compensation plan offers loan officers multiple streams of income, including personal loan commissions, management overrides, and profit sharing bonuses. Becoming an affiliate branch manager allows for even greater earnings potential through building a team of loan officers.

1. The Lending Company of the Future!

2. Why a Career in Mortgage Planning? Right Place Right Time - Enormous market, steady growth, high earning potential Timing - High unemployment, many jobs going offshore, frequent job changes, low savings rate Products services - Over 800 highly competitive, debt elimination, wealth accumulation and retirement planning mortgage products Opportunit y - Easy entry, low cost, no set hours, high income, residual income Industry - Booming market, low rates, 1.6 trillion in sales, stable long term market Marke ts - Baby Boomers, Retirees, Affluent, Investors, First Time and Move Up Buyers

3. The Problems of the Lending Industry Our industry is changing on a daily basis. More and more uncertainties arise concerning the future of the loan originator Computerization, joint ventures, direct lender origination are increasingly affecting the way we do business. This means less business and decreasing commissions. WHAT CAN YOU DO TO JUST MAINTAIN YOUR PRESENT INCOME?

4. JOINT VENTURES

5. DIRECT LENDERS

6. THE VISION To Lead the Mortgage Planning Revolution Transcontinental Lending Group will be the driving force in the mortgage planning industry. We are poised to become the first lender to take mortgage planning products directly to the households of the American people on a grand scale. As Wal-Mart, Wendy’s Dominos, and Burger King have been to the retail market, Transcontinental will be to mortgage planning, becoming the next giant of the decade. Transcontinental has the potential to change the lending habits of this nation and to build financial success for the American family.

7. THE MISSION Financial Independence for our Clients & Employees We are committed to creating financially independent clients and employees. All of our resources, leadership, management, physical and emotional energies are focused on the mission. There are just two steps to accomplishing this goal: Join us as a loan originator or branch manager and take advantage of the opportunity to build your business within our business. Use the unique Debt Elimination, Wealth Accumulation and Retirement Planning mortgage products of our company for the benefit of your family, friends and business associates.

8. THE SYSTEM Transcontinental Lending Group offers a Proven Duplicable Marketing System Transcontinental offers you the dual benefit of maximizing your personal production with an innovative and lucrative compensation plan and a proven business format system that helps you develop and manage your own team Transcontinental’s marketing system will allow you to plan your future, achieve your dreams, create financial security and early retirement.

9. TRADITIONAL COMPENSATION PLAN (Based on a 50/50 plan of a Senior Loan Officer) Annual income Loans a month ($9,200 Monthly Income) % ysp $200,000 Average Loan Amount 2.3% = 4,600 Average Commission x50 2,300 $110,400 x4

10. TRANSCONTINENTAL COMPENSATIONAL PLAN There are many ways to receive commission! Affiliate Branch Manager Commission – 90% on closed loans Senior Loan Officer Commission 50% to 70% on closed loans Loan Officer Commission 40% on closed loans Loan Associate Commission 25% on closed loans Management Overrides 10% to 65% Management overrides Three Streams of Income Personal Loan Production Management Overrides Residual Profit Sharing

11. PROFIT SHARING BONUS Gross Commission Income to TLG $2,000,000 Profit Sharing Bonus (5%) x 5% Profit Sharing Pool $100,000 Calculation for Profit Sharing Bonus Pool Gross Loan Volume (GLV) of your Recruit $1,000,000 Divided by GLV of TLG $80,000,000 Percent of GLV Attributable to your Recruit 1.25% Total Profit Sharing Bonus Pool $100,000 Profit Sharing Bonus Pool of Recruit $1,250 Calculation for Profit Sharing Bonus Pool of Your Recruit

12. PROFIT SHARING BONUS Level - 1 26% $ 325.00 Level - 2 20% $ 250.00 Level - 3 17% $ 215.50 Level - 4 07% $ 87.50 Level - 5 13% $ 162.50 Level - 6 17% $ 215.50 Total 100% $1,250.00

13. Would you like to Create Your Own Sales Force? Now, you can earn income for your personal production and income for training new loan officer recruits, plus you can earn a percentage of the commissions generated by each new loan officer recruit you train and supervise for the company. $319,820 Total annual income after three levels $128,700 $86,400 60 LO’s x 3 loans x $40 = $7,200 3rd level $32,400 20 LO’s x 3 loans x $45 = $2,700 2nd level $ 9,900 5 LO’s x 3 loans x $55 = $825 1st level $75,200 4 loans x $200,000 x 2.3% x 45% = $6,270 Training Overrides $115,920 3 loans x $200,000 x 2.3% x 70% = $9,660 Personal - You Annual Income Monthly Income Recruits

14. Senior LO Responsibilities: To provide an atmosphere of support and encouragement for the program Encourage participation at sales meetings for updates and mortgage information Mentor LAs and LOs Keep Branch Manager apprised of progress of LAs and LOs Supply all of the amenities and office needs of LAs and LOs Branch Manager Responsibilities:

15. Realtor/Loan Officer Responsibilities: Order credit report Take application (1003) with assistance and have disclosures signed Shop interest rates Order appraisal Order title work Stay in contact with borrower Attend the closing

16. The Tale of Two Loan Officers Make 200,000 a year for five years – Save 20% at 7% interest Focus - chopping wood Your Results - $290,000 in savings. Question 1 - Can you retire and live the rest of your life on the interest and principal that you saved? Make $200,000 a year for five years – Save 10% at 7% interest, plus recruit 12 loan officers and 5 branches a year Focus - chopping wood and building a sales organization Your Results - $115,000 in savings, plus $11,750 a month in team building profit sharing bonuses Question 2 - Could you retire and live comfortably on this level of income? You don’t have too retire, but could you retire comfortably?

17. Team Building Success You become a SLO and build a team: Close 3 loans a month personally… $9,660 You build 4 Loan Associates who each close one loan a month… $8,280 Monthly Income $17,940 Annual Income $213,280 You become a Affiliate Branch Manager and build a team: Close 3 loans a month personally… $11,154 You build 4 Loan Associates who each close one loan a month… $12,880 Monthly Income $23,424 Annual Income $280,088

18. Your decision If you’re new to the business join us today and register for our next branch training class. If you are a seasoned loan officer and ready to open your own branch you will need to get back with the person who told you about our company to set up a TLG Branch overview The big question is where do you go from here? Register at www.tlg.bz