1. How to Sell More Homes with Consumer-Direct Marketing

2. Presented By: 410-956-1501 ph 410-956-1504 fx David C. Rahn NMLS# 123622 Branch Manager

3. Overview l We have a system that identifies people who are in the early stages of thinking about buying a home. Often they haven’t yet decided to buy; they have questions about what to buy, where to buy, and how much to spend. l We will help these people resolve all their financial questions and concerns, and we’ll identify the people who have BOTH the financial ability AND the motivation to go through with a home purchase. l Then we’ll refer them to you, psychologically and financially prepared to buy a home. They are ready to buy!

4. Why it’s so Tough to Find Good Buyers Area population approx. 800,000 Approx. 150,000 Households 5063 home sales last year

5. Being A Detective l What do people do when they start thinking about buying a home? » Look at ads for homes in the newspaper or real estate magazines » Call for Information » Visit Open Houses » Visit web sites l When they do those things, they CAN leave a trail we can trace

6. Our Targeted Prospect l Has started thinking about buying a home l Has Questions about: » How much home they can afford » How to maximize their negotiating position as a buyer » Neighborhoods & School Systems » How much they will net from the sale of their current home » Other questions about taxes, financing, etc. l They will not DECIDE to buy until these questions have been answered

7. What Prospective Homebuyers Want to Know l Is it in my best interest to buy a home now? l How much home can I afford to buy? How much down payment will I need? What will my monthly payments be? l How should I go about finding the right home and negotiating the best price? What can I do to save time and money? l If I will be selling an existing home, how should I price and market it, and how much am I likely to net after the sale? l How can I find out about the neighborhood where I might buy? l How can I increase my chances of buying a home that will appreciate in value? l What about the school system in the neighborhood(s) I am considering? l How will it affect my taxes if I buy a home now?

8. How the Program Works What We’ll Do for You: l Free Use of Our Call Capture line for all your listings l Free Telephone Followup of all Call Capture Prospects l Regular Updates on the results of our calls l We offer the prospect a free consultation l If qualified & motivated, we recommend you, and call you to schedule an appointment with the buyer l We fax you full details and provide a weekly report of our conversations with potential buyers

9. How the Program Works What You Do: l Use our Call Capture Number on your listing advertising (newspaper & magazine ads, website listings, signs) l When we send you a referral, find homes to show them matching the description we send you l Sell them a Home!

10. Program Statistics

11. Recommendation l Use our Call Capture Number on all your listing advertising »Newspaper & Magazine ads, Emails, »Website Listings, Business Cards, »Signs, etc. l Weekly Status & Planning Calls »Status report on leads and prospects in development »Planning to improve our mutual results

12. Additional Benefits l You will receive gift certificates to give to your other buyers for a free appraisal (reimbursed,if they use us, of course!) l We will send a financial planner to your clients’ new home to provide a comprehensive financial plan to include: l Cash Flow Analysis, Investment and Insurance Analysis, Retirement and Estate Planning l You receive certificates and give them as gifts at closing, whether we did the loan or not! (This has a $1,250.00 value.)

13. Other “Union First” Products & Services l Insurance – Home, Auto, Life, Disability, Long Term Care, Annuities, Business and more l Financial Planning l Retirement Plans [401(k), SEP, SIMPLE] l Advanced Planning and Investments* * - Securities and Investment Advisory Services offered through H. Beck, Inc., member FINRA, SIPC, which is unaffiliated with Union First Financial Services, Inc. or Universal Mortgage and Finance, Inc.

14. Thank for your time David C. Rahn (NMLS# 123622) Branch Manager, Financial Planner