asset rebuilding | personal budgeting | wealth creation ...€¦ · a consumer knows if they have...

Rebuild. Manage. Empower. Educate.

© 2014 Trycera Financial. All rights reserved. No part of this document can be copied without the express written permission of Trycera Financial.

Who is Trycera Financial? Trycera Financial, Inc. (OTC.BB: TRYF) is a public company providing consumers with a Patent-Pending suite of Financial & Credit Services we call “Successful Habits of The Rich!™”. Why is it the Rich keep getting Richer and the Poor get Poorer? It boils down to one’s Habits. We are never taught good money habits or credit habits. This is where Trycera Financial, Inc. comes in. Our product line includes:


• Between $6 — $45 billion of new personal

mortgage loans annually • Between $1.4 — $9.6 billion new auto

loans annually

Trycera’s services are revolutionary and they are profound. It is estimated these services could help lenders issue:

Trycera specializes in helping consumers eliminate financial Stress & Worry while at the same time helping them to qualify for needed loans. .

Our Specialty


FACTS: •5% of one’s wealth is cash •95% of one’s wealth is accessed thru credit When a consumer misses a payment, they damage their credit and LOCK themselves out of 95% of their wealth. Trycera corrects the previous mistakes and puts in place the proper education and tools to eliminate them from happening again

The Trycera Financial Advantage The Flow


What is the Trycera Advantage? Why would someone benefit from our program, “Successful Habits of The Rich”? Trycera’s primary focus has always been to empower the consumer with education and tools designed to give information so to make proper financial decisions for their family. A consumer knows if they have available credit on their credit card to make a purchase, but they don’t if they have enough money. That’s right. These are two different pieces of information and are commonly mistaken to be the same. And this leads to unintentional bad financial decisions. Bad purchases lead to bad credit. And this all leads to Financial Stress & Worry. Trycera’s “Successful Habits of The Rich” give consumers the information required to make Good Financial Decisions. Eliminating Stress & Worry!

What Trycera Financial Does

• Within the United States, there are approximately 114M people who fall into credit challenged and sub 700 FICO score category. These individuals are self-banked or under-banked and locked out of traditional credit. This represents $1.1T in income and $11B in spending.

• It is estimated that 42% of US consumers have a FICO score below 595, leading to a credit DECLINE rate in excess of 70%.

• First American estimated in 2012 that 45% of first-time homebuyers will be in the under-banked segment and need to rely on alternative credit products and scoring to facilitate home ownership.

Credit History Snap Shot

Profile

Trycera’s “Successful Habits of The Rich” is a 3 Step program designed to eliminate the unknowns, which lead to financial devastation. We begin with Rich Money™ which unlike most budgeting programs, focuses on the consumer’s spending habits and matches it up with their income. Once all of their expenses have been input into our system, we analyze and project for the next 365 days how much money is required each day to never be negative! A calendar is provided with this information. Next, our Rich Credit™ program looks at all of the payments and identifies which ones are missing from their credit profile (rent, utilities, insurance, cell phone, daycare, etc.). In addition, our system reviews their traditional credit profile and checks for errors or erroneous items hurting their FICO scores. Finally, our Rich Wealth™ program calculates how to expedite paying off any debt and begin to build up their Wealth and Retirement accounts for a stress free future.

Worksheets

Trycera’s “Successful Habits of The Rich” worksheets allow consumers to benefit fully from our money management, credit reporting, credit verifying and wealth creating services.

Reporting Consumer Needs


Financial Literacy

1. Rich MoneyTM takes the pain out of household budgets and gives you peace of mind.

2. Unlike most household budgets, you don’t have to add up expenses.

3. You don’t have to balance the books. 1.You don’t have to be a whiz at mathematics either.

Instead of the stress and frustration of guessing, worried out of their minds if they have money to pay the bills, they now have a “financial road map” that puts consumers in the driver’s seat; giving them control of their finances, giving them the power to break free of money worries forever!

Financial Literacy


The Federal Trade Commission released a study which shows 1 in 4 Americans have Errors on their credit reports and these errors cause Denial of loan applications. Rich Credit™ helps correct or remove these errors and gives the consumer an accurate credit report to increase the chance of Credit Approvals! Another major component of Rich Credit™ is identifying payments being made each month, but that are not being reported to the 3 Major Credit Bureaus. These items have been classified by the Federal Government under the Equal Credit Opportunity Act (ECOA) as “Nontraditional Credit.” These include:

Reporting Every Day Bills/Deleting Errors

Utilities Rents & Leases Life’s Necessities Private Party • Cable • Appliance • Auto Insurance • Alimony • Water • Self Storage • Health Insurance • Child Support • Electric • Furniture • Day Care • Unsecured Loans • Phone • Rent-To-Own • Parking • Business Loans • Etc. • Etc. • Etc. • Etc. The illustration below shows the steps required for Trycera to be able to report the consumer’s nontraditional payment history to the national credit bureaus.

Step 1: Sign Up Step 2: Load Card/Pay Bills Step 3: Build Credit


Once the personal budget has been put in place and the credit profile has been maximized, we can then begin to focus on paying off the debt and accumulating Wealth! We are taught to tithe to the church each month, but we are never taught to SAVE for our retirement. Rich Wealth™ is a program designed to show you a long-term strategy on how to pay off your debt while saving thousands of dollars in interest payments. In addition, we show you how to put money away for your retirement so you can Retire in Comfort!

Turning Liabilities into Assets


Why We Do It Trycera provides a suite of financial and educational products and services which are designed to assist the consumers in obtaining the most accurate and complete credit profile possible. The process is straight forward; accurately tracks on-time nontraditional payments and provides this data to the national credit reporting agencies in the required format.

FICO SCORE

LOAN AMOUNT

TERMS

INTEREST RATE

DOWNPAYMENT

MONTHLY PMT

TOTAL PAID

SAVE

550 $20,000 36 Months 15% $2,000 $693.31 $26,959.04 0 For Illustration purposes only

700 $20,000 36 Months 7.29 % $0 $620.20 $22,327.10 $4,631.94

To show the importance of an accurate and complete credit profile, let’s use an example of purchasing an automobile. The purchase price is $20,000.00. One individual has a FICO score of 550 and another individual has a FICO score of 700.

General Description


Target Market Trycera has identified its initial target markets to be car dealerships and mortgage companies. These two large sectors have a great number of credit turn-downs on a monthly basis. Without our help, these consumers don’t have a chance of ever qualifying for a loan. They are sent on their way without any direction or guidance. Our research has discovered the following statistics

General Background


NO CREDIT/THIN CREDIT There are approximately 50 to 60 million consumers who don’t have enough credit on file to generate a FICO score.

CHALLENGED CREDIT Of the 160 Million consumers in the United States with enough credit to generate a FICO score, governmental studies show up to 90% of these individuals have less than perfect credit. BAD CREDIT The U.S. Bankruptcy Courts (www.UScourts.gov) released new statistics showing 1,086,130 bankruptcies were filed in 2008. IMMIGRANTS Fanny Mae estimates as many as 11 million immigrant consumers can’t qualify for a home mortgage due to no credit or thin credit..

Marketing Strategies Our Business Sales Model


TRYF LIVE Agent Kiosks™ Trycera has designed and developed a LIVE Agent Kiosk which will be placed at car dealerships. When a consumer is turned down for an auto loan, the salesman will simply direct him/her over to our Kiosk and will be introduced to one of Trycera’s Financial Specialists via a Live Video Feed. The LIVE Agent will assist the consumer in enrolling into the Company’s program, designed to help get them qualified for the auto loan. TRYF LIVE Agent Kiosk Mini’s™ Utilizing Trycera’s LIVE Agent Kiosk platform, we’ve created a more portable application designed to run on an iPad. This system can be used by Real Estate Agents, Mortgage Lenders, etc. In addition, individuals can become a Licensed & Bonded Independent Agent for Trycera. Simply click on a button and initiate a Video Communication with one of Trycera’s LIVE Agents and let the expert help sign up the consumer. Combining High Tech with High Touch! TRYF Kiosk Sponsorship Packages Due to the enormous number of potential customers who need Trycera’s product line, we’ve put together a Kiosk Sponsorship program which allows participants who cover the cost of furnishing the Kiosks to participating auto dealerships the ability to earn a commission from each sale generated from their Sponsored Kiosk, for Life!

Executives

Ray Smith — CEO/President Mr. Smith was appointed CEO and President of Trycera Financial Inc. on February 6, 2009. Prior to joining Trycera Financial, Inc., Mr. Smith spent several years developing technologies and platforms in order to facilitate consumer credit profile reporting. Mr. Smith focused on a wide array of credit profiles, but specifically gravitated to thin or limited credit profile reporting. During his tenures across a broad spectrum of companies, Mr. Smith raised millions of investment dollars for the purpose of funding working capital and research and development to complete proprietary software development in the reporting and credit services space along with acquiring strategic business relationships. In addition, prior to his involvement in the credit reporting and technology space, Mr. Smith owned and operated a diversified financial services call-center which was responsible for processing credit card applications for a variety of banks specializing in turn down consumer conversions. The call-center generated up to $250,000,000 million in open to buy available credit and employed over sixty people. As a leader in the alternative credit reporting markets and due in large part to his vast understanding of both the credit and reporting systems, Mr. Smith has emerged as a leader in the space. Mr. Smith received a Bachelor of Science degree in Math and Music from Dickinson State University located in Dickinson, ND.

Shampa Reddy, Esq. — VP of Business Dev. / General Counsel As an attorney, Ms. Reddy has over 14 years of experience representing clients in a broad array of real estate, corporate and construction law matters. In addition to running her private law practice, Ms. Reddy has previously served as in-house counsel to several multi-million dollar construction companies, advising on legal matters as well as coordinating multi-family and mixed use development projects funded by the New Jersey Housing and Mortgage Finance Agency (HMFA), Department of Community Affairs (DCA) and other state agencies. With an extensive background in real estate law and in light of the current financial and housing crisis, she currently devotes much of her practice to helping distressed homeowners avoid foreclosure and the eviction process through the implementation of loss mitigation strategies, loan modification workouts, foreclosure defense, short sale negotiations, debt management and credit repair.

Ms. Reddy graduated from The American University Washington College of Law in Washington, DC at the top of her class and received her BA in International Studies from The American University School of International Services. Upon graduation from law school in 1999, she joined Washington Technology Capital, a venture capital fund in Washington, DC as Vice President and Counsel.

Carl Giese, VP of Credit Services Mr. Giese has 25 years of experience with an “insider” perspective on REO acquisition nationwide, as well as senior contacts within federal agencies and private institutions. Mr. Giese specializes in working with community stabilization groups, land banks and cities, government sponsored enterprise, as well as banks and asset groups. His efforts have provided an ongoing focus on sourcing, maintaining and networking relationships nationwide.

Trycera Financial


Executives David Wright. – Money Management Strategist David Wright grew up on a small farm in central Queensland, Australia. After an apprenticeship in a metal trade he went on to become a high school trade teacher.

David became frustrated over difficulties managing his finances and went in search of a better way to plan his cash flow. He spent thousands of hours developing and fine-tuning a system to overcome the difficulties he had experienced and it worked so well he just couldn’t keep it to himself.

Built on David’s real-life experiences his unique system for planning day to day cash flow takes all the stress out of the household budget and has produced amazing results for tens of thousands of extremely happy customers.

David’s story, advice, observations and system have been featured in magazines and newspapers. He has given many radio and television interviews and has spoken at hundreds of workshops and seminars focused on household financial success.

He is happily married, has three children, four grandchildren and enjoys restoring and riding classic motorcycles and playing piano and guitar.

Mathew Richards – Director / Wealth Strategist Matthew Richards is a national trainer, public speaker and educator. For 28 years, Mr. Richards has been a business and marketing consultant and a real estate investor.

Mr. Richards is currently working with Knowledge to Wealth, Inc. (K2W) teaching and promoting financial literacy seminars which help individuals learn how to invest in real estate, start a new business, implement government grant programs, boost their credit profile and improve their leadership skills through personal development and coaching.

Because of his extensive seminar development and training experience, Mr. Richards has worked with some of the top financial and personal development experts in the country including The Trump Institute with Donald Trump, Rich Dad Seminars with Robert Kiyosaki, Armando Montelongo Seminars with Armando Montelongo, and Franklin Covey with Carleton Sheets Real Estate Coaching. Furthermore, Mr. Richards has been a business development advisor, mentor and coach for KMC.

Since 1983, Mr. Richards has been a real estate investor and personal development coach and has been active with community service and international church groups along with charitable nonprofit organizations including Easter Seals, The Special Olympics, and The Red Cross.

Mr. Richards graduated from the University of Phoenix with a Bachelor of Science Degree in Business Administration with an emphasis in Marketing. .

Trycera Financial


This summary does not constitute an offer to sell, nor is it a solicitation of an offer to buy the securities described herein. This summary is not to be used as a selling memorandum and should not be reproduced, given, or shown to any person other than the recipient. This summary is submitted on a confidential basis solely to be used in assessing interest in the business outlined within. All materials contained herein are proprietary and discussion of this information should be limited to the stated purpose of this presentation. The enclosed projections are forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. A number of important factors could cause the Company’s actual results for future periods to differ materially from those expressed in any forward-looking statements made by, or on behalf of, the Company. This document should be read in conjunction with the Company’s SEC reports and filings currently on file by the Company.

18100 Von Karman Ave, Suite 850 Irvine, California 92612

Ray Smith, President/CEO

p. (949) 705-4480 e. [email protected]

www.trycera.com

Rebuild. Manage. Empower. Educate.

mailto:[email protected]

asset rebuilding | personal budgeting | wealth creation ...€¦ · a consumer knows if they have...

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