Contact: Thomas Kinsey 412.302.0519 tkinsey@approachadvisors.com

A multi-role company able to facilitate seven operations under one roof:

Commercial Funding Residential Funding Asset Funding Real Estate Management Real Estate Investment Management & Development Real Estate Advising Settlement & Title Services

The concept of 412 Funding is to help clients and investors to acquire various real estate and fixed assets while generating revenue from multiple income streams, together with providing long term advising relationships.

412 FUNDING - ITEMS INCLUDED IN SALE:

Organization & Training for first 90 Days, after Closing Additional Phone & On Site Consulting Available (via Contract with Approach Advisors) Software and Sales Tools we Developed Settlement/Title Software and Systems we Developed Work Flow/Operations Systems Operational Forms and Kits Loan Kits for both Residential and Commercial Loans Title Documents and Closing Documents Support Staff Training and Sales Training Materials Employee Agreements, and Employee Manual Marketing Plans and Working Examples: Direct Indirect Referral

Internet and Social Media based Compliance and Licensing Assistance State and Federal Reporting Network Setup and Backup/Cloud Setup Investor Relationships and Contract Negotiations Ability to Act as a Lender and Broker Federal Agency Setups and Policies TRAINING & SETUP:

1. Setup and Branding 2. Compliance and Record Keeping 3. Employee Recruitment and Training Programs 4. Initial Marketing and Marketing Scope 5. Marketing Buys and Tracking 6. Loan Flow and WIP List (work in process) 7. Loan Origination and RESPA 8. Loan Follow Up and Processing Steps (forward thinking plan) 9. Title and Title Wizard (Software we developed that is included in the sale) 10. Final Closing Conditions and Conducting the Closing 11. Post-Closing 12. Loan Audit and File Keeping 13. Post-Closing Marketing Concepts 14. Integration of All Businesses 15. Future Planning and Future Market & Product Trends

EXAMPLES:

www.approachadvisors.com

412-302-0519 Here is a quick explanation of 412 Funding and why I am selling. For the last 12 months I have had the business listed with a business broker, recommended by an attorney friend. I have now decided to conduct the sale myself. First some background or history. I started this company back in 2001 after working for a two of the largest national mortgage companies in the industry. I started as a Loan Officer writing loans while a senior in College in 1993, and through hard work had worked my way up to COO for a company in Michigan. We had 47 total offices in 24 states. After it merged with two other mortgage companies with very different structures and cultures, I was ready to make the jump and Start my own. I had learned so much working for those big companies, but more importantly I made some great Industry Contacts which I still carry today. Honestly, I never intended to sell but a unique opportunity came to me. For the last few years I started to do some consulting work at the request of some of my commercial clients and I formed Approach Advisors Consultants www.approachadvisors.com. I had been doing some Consulting Work (REO: Real Estate Owned) for a local bank and after some time and success they offered me a position in their succession plan. The Bank is a small (5 branch) family owned bank that is over 110 years old. After many meetings and discussions, I accepted. I believe the mortgage/real estate/capital industry can be a very profitable one, and having an ‘in-house’ settlement company increases the profitability per loan and makes the loan closing process quicker. I always kept the company growth in check by managing the marketing dollars. My business plan was to keep it the size I could manage myself and our goal was to average 20 loan closings per month. I would add and subtract marking dollars to keep the work flow for the staff consistent. I believed that we could process and close 20 loans efficiently while giving customers the proper amount of attention. The funding process either as a purchase or refinance can be in the initial mind of the customer a stressful process. By actively communicating during the entire process, we not only took out the stress we gained many referrals. There are four main income streams in the loan process. Front (Fee Income Charged to the Borrower), Back (Yield Spread from the Interest Rate), Fixed (standard processing fees) and finally the revenue from the Title Business (which is around 78% profit).

Deciding on a mix of these four would be up to you and I have many thoughts and systems we can discuss. Having a settlement company is not only a great money maker, but it helps control the pace of the transaction and make the process easier on the customer. You can easily make another 1.5 points per deal, title is very profitable. Usually works out to about a 15% increase in profit. The Real Estate division is another useful component, when used properly. The Finding the right balance is key, and it took me a few years to learn some valuable lessons. Establishing and interacting with Real Estate Investors and Developers can be very profitable. As for what is included in the sale, it is a turnkey operation and can be setup in any state. As part of the sale, I will assist with the setup and licensing process and the initial training if needed. Additionally, I am open to consider an ongoing consulting relationship for further training, compliance, licensing, annual negotiations with buy/sell loan arrangements, marketing, and operations topics that you would maybe need. I am willing to finance the sale of the business with a down payment along with a sensible interest rate and term. Through a lot of trial and error and hard work I had a great time in the industry. Running these companies does not take a rocket scientist, just someone with a great work ethic. I can help you prosper and avoid the pitfalls that many in the industry have not been able to avoid. When done right, it is very profitable and rewarding. Please email or call with any questions or if there is anything additional I can send, please let me know. I look forward to hearing from you. Thank-you, TK Thomas Kinsey 412-302-0519 tkinsey@approachadvisors.com