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2. 2 1.Federal Reserve Board, Consumer Credit Report, May 2002. 2.Sources: USA Today, April 29, 2002, cardweb.com. and neway.org, May 2002. 3.Source: neway.org, May 2002. Building a secure financial future is not as easy as it used to be. Most people fail to realize the devastating impact this has on their financial future. It’s no wonder personal bankruptcies are at an all-time high. 3 There has to be a better way. In 2002, consumer debt in the U.S. surpassed $1.6 trillion. Credit cards account for almost half of that debt. 1 In 2001, the average household had 10 credit cards with an average combined balance of $8,367. The average interest rate was 18.9%. 2 If your credit card balance is $8,000 and you make the minimum monthly payment at 18% interest, it will take you 25 years, 7 months to pay off the debt. 3

3. 3 The Rules Have Changed Fact: Since you need to borrow money during the course of your lifetime... Doesn’t it make sense to borrow the money as inexpensively as possible? You should avoid high-interest, non-deductible debt such as credit cards, auto loans and personal loans. Instead, choose the better way. Harness the Power of Your Mortgage

4. 4 The Old Way of Thinking: First, get the lowest-rate mortgage... Then, start a bi-weekly mortgage program... And, send in additional money whenever possible to reduce the principal balance... ALL so you can pay off the mortgage as soon as possible. This Depression Era mindset has been burned into the American psyche. But, is it possible this is exactly what you should NOT be doing?

5. 5 “You should get a big, 30-year mortgage and never pay it off. ” –Ric Edelman New York Times Best-Selling Author of The New Rules Of Money 1Interest rates subject to change. The above hypothetical examples are for illustrative purposes only. The New Rules of Money The rules have changed. Now... Choose the best mortgage, not necessarily the one with the lowest rate. Stay away from bi-weekly mortgage plans. Never send extra money to your mortgage company. Paying off your loan is like putting money under your mattress. Your goal is to make the smallest payment with the biggest tax-break possible. That means never paying off your mortgage. To understand why, discover The Truth About Money.

6. 6 The Truth About Money “Here are 5 great reasons to carry a big, long mortgage and never pay it off. ” Reason #1: Mortgages don’t lower home values. Your house will grow in value (or not) whether or not you have a mortgage. In fact, most people discover that, over time, their mortgage balance falls while their home value rises – creating substantial wealth they never expected. –Ric Edelman Author of the acclaimed Best-Seller, The Truth About Money, 1997 “Book of the Year” 1Interest rates subject to change. The above hypothetical examples are for illustrative purposes only. The rules of money have changed. And nowhere is that more true than with mortgages. Reason #2: Your mortgage is the cheapest money you’ll ever buy. Most people need to borrow money during their lives, so why pay 18% to credit cards when you can borrow at rates of 8% or even less? Reason #3: Your mortgage is the best way you can lower your taxes. Interest you pay on personal loans, auto loans and credit cards is not tax-deductible, but for most of us, interest you pay on mortgage loans is fully tax-deductible, making the cheapest loan you’ll ever get, even cheaper. Imagine borrowing money for a net cost of just 5%! 1 You can do it with a mortgage loan! Reason #4: Get the cash out of the house — while you still can. The main reason people turn to borrowing is because they have little or no income. But if you ever suffer a job loss, major medical or other financial crisis, you could find yourself unable to get a home loan. That’s because lenders don’t like to lend money if you are already in financial difficulty. That’s why you should get a big mortgage now, before you need it — and while you still can. Reason #5: Your mortgage becomes even cheaper over time. Depending on the loan you choose, your payment never rises — but your income likely will. That means today’s mortgage payment becomes increasingly easy to pay over time!

7. 7 “A Tale of Two Brothers” Adapted from the book, The New Rules of Money Our story begins with two brothers, each earning $70,000 a year. They each have $40,000 in savings and both are buying $200,000 homes. Brother “A” Believes in “The Old Way” – paying off the mortgage as soon as possible Brother “B” Believes in “The New Way” – carrying a big, long mortgage and never paying it off Who made the right decision? $40,000 big down payment $0 left to invest $1,383 monthly payment (56% is tax deductible first year/33% average) $1,227 average monthly net after-tax cost 2 Sends $100 monthly to lender in effort to eliminate mortgage sooner $10,000 small down payment $30,000 remaining to invest $1,175 monthly payment (100% is tax-deductible first 15 years/64% average) $799 monthly net after-tax cost 3 Adds $100 monthly to investments, plus $428 saved from lower mortgage payment, where account earns 8% rate of return 4 15-year mortgage at 6.38% APR 30-year interest-only loan at 7.42% APR 1 The above hypothetical examples are for illustrative purposes only. Plans vary based on the needs and wants of the customer. Illustrated interest rates are based upon the monthly average interest rates compiled by the Mortgage Bankers Association of America for January 2002. 1 This example is based on a Fannie Mae Interest First loan fixed at 7.42% APR. Interest only for 15 years, then the first loan converts to a 15-year amortizing loan on the 15th anniversary with a mo. payment of $1,753. 2 Assumes combined federal/state income tax rate of 32%. 3 Assumes combined federal/state income tax rate of 32%. Net after-tax cost shown is for years 1-15; average for years 16-30 is $1,540. 4 Assumes 8% rate of return. Rate of return may vary based on type of investment.

8. 8 “A Tale of Two Brothers” Adapted from the book, The New Rules of Money The above hypothetical examples are for illustrative purposes only. Plans vary based on the needs and wants of the customer. 1 Assumes combined federal/state income tax rate of 32%. 2 Assumes 8% rate of return. Rate of return may vary based on type of investment. Received $14,216 in tax savings 1 Received $22,557 in tax savings 1 What if both brothers suddenly lose their jobs? Has no savings to get through crisis Has $83,513 in savings to tide him over 2 How ironic: Brother “A”, who never wanted a mortgage in the first place, is now in financial jeopardy because he was trying to get rid of his loan too quickly! Brother “A” Believes in “The Old Way” – paying off the mortgage as soon as possible Brother “B” Believes in “The New Way” – carrying a big, long mortgage and never paying it off Results After Just 5 Years Has $0 in savings and investments 2 Has $83,513 in savings and investments 2 Can’t get a loan–even though he has $74,320 more in equity than his brother – because he has no job Must sell his home or face foreclosure because he can’t make payments At this point, it’s a fire sale, so he must sell at a discount, then pay real estate commissions (6-7%) Doesn’t need a loan Can easily make his mortgage payment even if he’s unemployed for years Has no reason to panic since he’s still in control — remember … Cash is King!

9. 9 Now...which do you think is the right course of action – “the old way” or “the new way”? Remember...Cash is King – and Brother “B” now has more than $1.1 million in savings and investments! Brother “A” Believes in “The Old Way” – paying off the mortgage as soon as possible Brother “B” Believes in “The New Way” – carrying a big, long mortgage and never paying it off Received $25,080 in tax savings 1 Received $67,670 in tax savings 1 Received $25,080 in tax savings 1 Received $107,826 in tax savings 1 Has $30,421 in savings and investments 2 Owns home outright Has $282,019 in savings and investments 2 Remaining mortgage balance is $190,000 – and he has enough savings to pay it off and still have $92,019 left over, free and clear. Has $613,858 in savings and investments 2 Owns home outright Has $1,115,425 in savings and investments 2 Owns home outright – so starts fresh and enjoys the same benefits once again. “A Tale of Two Brothers” Adapted from the book, The New Rules of Money The above hypothetical examples are for illustrative purposes only. Plans vary based on the needs and wants of the customer. 1 Assumed combined federal/state income tax rate of 32%. 2 Assumes 8% rate of return. Rate of return may vary based on type of investment. Results After 15 Years Brother “A”Brother “B” Results After 30 Years

10. 10 “A Tale of Two Brothers” Adapted from the book, The New Rules of Money The Moral Of Our Story “The Old Way of Thinking” can be devastating to your financial future. People who understand how money works choose to carry a big, long mortgage and never pay it off. You should never send any extra money to your mortgage company. Instead, put that money to work for you. Once you have all the facts, it’s easy to make the right decision.

11. 11 How to Win the Money Game World Lending Group is one of the nation’s premier mortgage lenders/brokers, offering a diversified portfolio of revolutionary concepts and products to help you harness the power of your mortgage. How to Win the Money Game Educating and empowering consumers is a way of life at World Lending Group. We do what’s right. 1.Leverage old money you are already spending to create new money you can invest. 2.Harness the power of compound interest to work for you, not against you.

12. 12 Harness the Power of Your Mortgage No matter what your approach, our extensive mortgage portfolio can help you. Traditional mortgage products — including fixed-rate loans (15-, 20- & 30-year terms), ARM loans (3-, 5- & 7-year terms), balloon loans (5/25 and 7/23 terms), second mortgages and home equity loans. Interest-only loans — products that allow you to pay just the interest each month, maximizing your tax benefits and freeing up more money to save or spend. The Power Option Loan concept — an ARM loan that allows you to choose from four payment options each month, giving you maximum flexibility and control.

13. 13 Strategic Alliances World Lending Group has a diversified portfolio of revolutionary concepts and products from more than 100 of the most respected companies in the industry, including: World Lending Group has aligned itself with some of the most powerful companies in business today. ABN Amro Mortgage Homecomings Bank of America IndyMac Bank Chase Manhattan Mortgage KeyCorp Chevy Chase Bank National City Mortgage CIT Group Option One Mortgage ComUnity Lending US Bank Countrywide Home Loans Wachovia Downey Savings & Loan Washington Mutual Flagstar Wells Fargo Greenpoint Financial World Savings

14. 14 Buy the Right Kind of Mortgage Traditional 30-Year Loan $1,297 Mortgage Payment* Adjustable Rate Loan $1,119 Mortgage Payment** Choose One of the Above $200,000 Mortgage *This example illustrates the monthly payment for a $200,000 loan with an APR of 6.75% amortized over 30 years. Payments include principal plus interest. **This example illustrates the initial monthly payment for a $200,000 adjustable rate loan with a fixed APR of 5.375% for five years. APR and payment amounts adjust each year thereafter based on an index and margin and may increase. The current index is 2.33%. Projected composite APR over the 30-year life of the loan is 5.375%.

15. 15 Buy the Right Kind of Mortgage 1 This example illustrates the monthly payment for a $200,000 loan with an APR of 6.75% amortized over 30 years. Payments include principal plus interest. 2 This example illustrates the initial monthly payment for a $200,000 loan with a payment based on an effective first year interest rate of 2.95%. The interest rate is 2.95% in the first month, interest plus margin thereafter. Payment remains fixed for the first 12 months. This option results in deferred interest which is added to your principal loan balance. APR and payment amount adjusts annually every year based on an index and margin and may increase. Projected composite APR over life of loan is 4.368%, based on initial interest rate, current index, and margin. APR may vary. The current index is 1.840%. Loan To Value Ratio of 80% or less. 3 Each example assumes that the option presented is selected each month of the loan term. For more details concerning the Power Option Loan concept and products available in your area, consult with your local World Lending Group representative. See the last screen for additional disclosures. 4 These examples illustrate the initial monthly payment for a $200,000 loan with an APR of 6.23% at closing. APR and payment are subject to change each month based on changes in an index and your loan balance and may increase. APR may vary. Payments under Options Three and Four include principal and interest. Traditional Loan (30-year Fixed-Rate) $1,297 Mortgage Payment 1 Power Option Loan (Option ARM) $838 Mortgage Payment 2 Choose One of the Above The Power Option Loan concept lets you choose from four options each month: 3 $200,000 Mortgage Payment based on an introductory start rate for the first 12 months. Option One:|$838 month 2 Payment based on a fully-amortized 30-year loan. Option Three:|$1,229 month 4 Interest-only payment set up on a 30-year schedule. Option Two:|$1,039 month 4 Payment based on a fully-amortized 15-year loan. Option Four:|$1,713 month 4

16. 16 Buy the Right Kind of Mortgage What would you do differently if you had the option to lower your monthly mortgage payment? Would you... Pay off high interest rate debt? Save more for your retirement years? Prepare for your children’s education? Plan a family vacation? Prepare for a financial emergency — loss of job, major medical expenses? With our diversified mortgage portfolio, the choice is yours.

17. 17 8% $160,000 How Money Works Now that you know how to get better value for your money, let’s see the impact of the money you save over time. The Magic of Compound Interest *The above hypothetical examples are for illustrative purposes only and do not represent any particular investment vehicle. The Rule of 72 is a mathematical concept that approximates the number of years it would take to double the principal at a constant rate of return. The performance of investments fluctuates over time, and as a result, the actual time it will take an investment to double in value cannot be predicted with any certainty. $10,000 - Lump Sum Investment* (invested one time only compounded annually) 01836years The Rule of 72 Divide 72 by the interest rate to estimate the number of years it takes for your money to double. Age 4%Age 8% 4% $40,000 29$10,000 47$20,000 65$40,000 29$10,000 38$20,000 47$40,000 56$80,000 65 $160,000 Money Doubles Money Doubles Every 18 yrs Every 9 yrs

18. 18 What the experts are saying… “Carrying a mortgage doesn’t cause you to lose any money at all. In fact, just the opposite is true: carrying a mortgage is actually quite profitable. It’s eliminating the mortgage that forces you to give up profitable opportunities.” “If you have a mortgage and you’re dreaming of the day when you make your final payment, you’re trying to do something that financially successful people do not do.” —Ric Edelman New York Times Best-Selling Author of Ordinary People, Extraordinary Wealth Secret #1: Discover how to turn your mortgage into a wealth-enhancing tool. Ric Edelman is the best-selling author of Ordinary People, Extraordinary Wealth, The Truth About Money, The New Rules of Money, Financial Security in Troubled Times, and Discover the Wealth Within You. His firm, Edelman Financial Services, Inc. is the nation’s fifth largest independent financial planning firm, with more than $1.7 billion in client assets.

19. 19 Get Started Now If you are like most people, you’re ready to take the next step. You need to get started today: It’s time for you to harness the power of your mortgage and start winning the money game. 1.Get with your World Lending Group representative to complete your free Mortgage Analysis Plan. 2.Review the results, and take advantage of the mortgage product that best fits your needs.

20. 20 Your World Lending Group Representatives John H. Lee 210-364-6084 (Cell) 210-694-0050 (Home Office) Gideon H. Lee 425-681-1301 (Cell) 425-313-0677 (Home Office)

21. 21 World Lending Group, Inc. 3975 Johns Creek Court Suite 100 Suwanee, GA 30024 678.966.7600 WorldLendingGroup.com Copyright © 2002 World Lending Group, Inc. L008/5.2 All loans are subject to approval. Certain restrictions apply. This document is not intended as an offer to extend credit, a commitment to lend or an offer to enter into an interest rate lock-in agreement. The loan interest rates, fees and terms presented are for illustrative purposes only and may not be currently available as rates are subject to change and availability. All loan products are not available in all states. This document has been prepared to assist real estate professionals in illustrating some of the financing options available to consumers. Mortgage loans are originated by World Lending Group, Inc., also known as WMA Mortgage Services, Inc. which conducts business in the states listed below.* Alabama; Arizona WMA Mortgages Services Limited Partnership Mortgage Broker Licensee Number MB-0901627; Arkansas; California Department of Real Estate Licensee (for license information, call 916-227-0925), Real Estate Officer License 01135503; Colorado Consumer Credit Code Licensee Number 097213; Connecticut BROKER ONLY, NOT LENDER; Florida; Georgia Residential Mortgage Licensee Number 11933; Idaho; Illinois Residential Mortgage Licensee, 245 W. Roosevelt Road, Chicago, IL 60185; Indiana; Iowa; Kansas; Kentucky; Maine; Michigan; Minnesota; Missouri Residential Mortgage Broker Licensee; Montana; Nebraska; New Jersey Licensed by the New Jersey Department of Banking and Insurance; New Mexico; North Carolina ; North Dakota; Ohio; Oklahoma; Oregon; Pennsylvania Licensed by the Department of Banking; Rhode Island Licensed Lender; South Carolina; South Dakota; Tennessee; Texas; Utah; Vermont; Washington; Wisconsin; Wyoming. *Except Arizona, see above. We are expanding our operations, so please visit our web site or call our headquarters for a current list of such states. Applications pending in Louisiana, Maryland and New Hampshire.