1. Partnering For Profit

2. TRANSCONTINENTAL LENDING GROUP The Lending Company of the Future! Making Your Dreams A Reality! L T G G T

3. Increase your Sales & Income Open New Marketing Channels Protect your current client database. Take control! Partnering For Profit

4. How Will You Compete? 75% are on the Net 25% of all homebuyers shop rates online Homebuyers are finding agents online By 2003, 30% of loans will originate on the Internet Homebuyers love convenience of the internet.

5. Team up and win with Transcontinental Lending Group, Inc. and discover our Internet Marketing System

6. This ‘ high tech-high touch ’ Internet solution includes: In-depth pre- qualification Rate shopping Mortgage calculators 24/7/365 access Financial information.

7. Your Own Mortgage Site Co-branded web site Enhance and Promote your image Improved customer service Focus on the Realtor- Mortgage Broker TEAM.

8. Instant Pre-Qualification You can pre-qualify prospects instantly through your co-branded site Get a pre-qualification letter in about 4 minutes An Email will be automatically generated to the Loan Officer to begin the loan process.

9. Pre-Qualification in 4 min. Print & Save This Form

10. Another exciting marketing tool is Mortgage Manager 

11. This unique program is by far the most fully automated refinance system that exists today.

12. Client Email From:john@elliemae.com Sent:Thursday, January 1, 2000 To:client@email.com Subject:Your Mortgage Comparison Results Dear Client, We have compared your present home loan against today’s mortgage rates and found that your present loan continues to serve you well. You would not refinance at this time based on rate comparison alone. However, for some clients, factors other than rate alone serve as good cause to refinance. If you are considering refinancing for some other reason, such as lowering your payments, consolidating debts, or getting cash out of your home for any other purpose, please reply to: john@elliemae.comjohn@elliemae.com This analysis is based on information in our records considering such data as percent interest rate, market value, property value, property usage and type. If you would like to review or update your information, please visit www.877money.com and select “Mortgage Manager”, or just call me at www.877money.com 925-875-5029 and I’ll do it for you. Validating the accuracy of your loan data may avoid missed savings opportunities for you now and in the future. You can count on us to continue monitoring your loan and comparing it against the ever-changing financial market. We will automatically inform you when you can effectively save money through refinancing. Yours truly, John Forcina Advantage Financial YOUR NAME HERE PS. This service is provided to you courtesy of “YOUR NAME HERE”

13. I will drive business to your site with the monthly sweepstakes contest and other special promotions.

14. Pre-qualify your clients 24/7 Provide momentum to keep prospects in your camp Turn stalled prospects into buyers Market continually to clients & prospects Provide higher level of service. Reduce Buyer Drift A client follow up program that really works What’s In It For You?

15. Your Home Buyers Benefit One stop shopping Peace of mind Shop current rates and apply online Pre-Qualification 24/7 Update and refinancing opportunities High tech, high touch service... by YOU.

16. Together Each Accomplishes More

17. TRANSCONTINENTAL LENDING GROUP The Lending Company of the Future! Making Your Dreams A Reality! L T G G T