Different Approach = Growing Industries + Huge Opportunities! Associate | Builder | Owner

3 Multi-Trillion Dollar Industries: Who is ERS & What do we do? 3 Multi-Trillion Dollar Industries: Residential & Commercial REAL ESTATE Residential & Commercial MORTGAGE Life, Health, Property & Casualty INSURANCE How did we decide to do all three industries? Well in 2008 as many of you know the real estate crash. Robert ended up closing most of his CB branches and decided to start is own… ERS “Elite” realty service, we are focus on creating “elite” agents that will take care of our clients and help us create a great branding. (Makes people think they want to be the elite, top agents will be more likely to be interested and even the bad agents will all want to be better, also gives them a mindset to work harder and them thinking they are ELITE agents have higher chances of them becoming one) Robert saw many of his agents that left going into insurance, they needed to survive and pay bills still, so when he started ERS he added in Insurance so agents will have multiple streams of income. Insurance is recession proof, people always need to protect their assets and loved ones. However it had a positive affect with our clients as well… we took care of our clients better… when we helped them find that perfect house, we could find the best loan here preapproved in the same office right away, We will also protect them from losing that home whether from disaster or “Uh oh” moments. We take better care for the client with what we call the “total living concept” Each of these industries you can make a very good living, on its own but with all three you can make more money and not worry about the market affecting your income. 1 Business Concept: T.L.C.

Thus, ERS Helps Families using our: “Total Living Concept”. OUR MISSION IS UNIQUE ERS Helps Families: - Buy that Perfect Home - Find the Most Affordable Loan - Increase Savings & Maximize Their Investments - Protect their Home - Protect their Lifestyle! Thus, ERS Helps Families using our: “Total Living Concept”.

Real Estate Division As a Realtor: You can make great income Work for yourself; flexible time Growth potential is huge; real estate is a great business to be in

Selling or Listing a Home How Do We Get Paid? Selling or Listing a Home $500,000 x 3% Compensation = $15,000 Commission 100% = $15,000 | 80% = $12,000 | 70% = $10,500

Mortgage Division A Mortgage Loan Officer: Advises clients about the best loan possible Great income potential Flexible schedule/ lifestyle Has the opportunity to help people achieve their dream

$500,000 x 100 bps Compensation = $5,000 Commission Loan Compensation Purchase / Refinance $500,000 x 100 bps Compensation = $5,000 Commission 150 bps = $7,500 | 180 bps = $9,000

We offer agents the ability to market Life, Health, and Property & Casualty Insurance. We partnered with the top carriers in the nation. Agents are paid directly from the carriers. We offer high contracts starting at 50% plus renewals No territorial restriction; you can build nationwide fast Insurance Division

Insurance Compensation Life Insurance Policy $200 Per Month x 12 Months = $2,400 Commission 100% = $2400 | 80% = $1920 | 70% = $1680

ERS Profit Sharing Personal Contract 50-70% 25K C.D. 100% Contract 80% Experienced Agent New Agent Must complete 3 Training Sales January 1st to December 31st Pro-rated company dollar available. 50-70% Personal Contract $25,000 “Company Dollar” 100% Profit Sharing Contract Note: *100% personal contract requires to pay their respective E&O, processing and/or admin fee. Each division requires its own 25K in company dollar to get promoted. Please consult with your branch owner. ERS Total Living Concept (TLC) Business Opportunity

Builder Profit Share’s Payout ERS Unified Compensation Plan $10,000 Commission Payout: R.E. | Mortgage| Insurance | H.S. Agent (contract level - 50%) = $5000 (minus E&O, processor &/or admin fee) Company Gross Profit: $5000 (C.D.) 20 % Overhead to Branch - $1000 Builder Profit Share’s Payout $4000 $2000 to Builder Divided Equally 75% - Field Vice Chairman $1500 70% - Regional Field VP $1400 $2000 split 2 ways 65% - Senior Field VP $1300 60% - Field Vice President $1200 50 % to Corporate $1000 50% - Sr. Field Director $1000 50 % to Branch Owner $1000 40% - Field Director $800 Owner’s Profit Payout 30% - Field Manager $600 $2000 $1000 20% - Team Leader $400 ERS Total Living Concept (TLC) Business Opportunity

20 % Generational Overrides 5% Branch Builder Profit Share Generations Percentage 1st Field VP to Field Vice Chairman 8% 2nd Field VP to Field Vice Chairman 5% 3rd Field VP to Field Vice Chairman 3% 4th Field VP to Field Vice Chairman 2% 5th Field VP to Field Vice Chairman 1% 6th Field VP to Field Vice Chairman 1% Builder Profit Share’s Payout Generation Overrides 75% - Field Vice Chairman $1500 1% to 8% 70% - Regional Field VP $1400 1% to 8% 65% - Senior Field VP $1300 1% to 8% 60% - Field Vice President $1200 1% to 8% 5% Branch Builder Profit Share “Override the whole branch” ERS Total Living Concept (TLC) Business Opportunity

Where Might You Fit in With ERS? Associate Builder Owner SO where do you think you fit? You can make a lot of money just as an agent but why not double your income by being a builder as well? If you are truly ambitious, open your own office or multiple offices.

It’s not about the MONEY but what MONEY can DO… Imagine what you would do if had extra money? Be able to quit your JOB Have time to spend with your family and friends You can retire without the worry of outliving your money Travel around the world Make a difference in this world by donating your money as well as time FREEDOM – to do whatever YOU want!

Build a Legacy! “If you don’t build your dream someone will hire you to help build theirs.” - Tony Gaskins -

How to Get Started Step 1 Step 2 Step 3 Sign up for ERS at www.ersagents.com/registration/signup After you sign up you will get two links. ERSagents.com/username/signup ERSagents.com/reps/username Step 2 Decide which industry you want to focus on Step 3 Learn about our ERS “Total Living Concept!” Understand how ERS can be that “Early Retirement System” for you!

ERS Market Share Execution Model (1) 50% to 100% Contract (2) Back office tracking of all your deals:  (4) Personal webpage: Training videos, knowledge-base documents (3) Listing Leads via VR Marketing 1) Alameda            2) East Sacramento       3) Milpitas   4) San Francisco    5) Fairfield                      6) Westminster   7) San Marcos        8) 5 other locations outside of CA (5) Brand recognition with 7 locations in CA:   * Local and statewide supports: All of the above offices is available to our ERS agents at no extra cost.