The Lending Company of the Future!

Why a Career in Mortgage Planning?• Right Place Right Time - Enormous market,

steady growth, high earning potential

• Timing - High unemployment, many jobs going offshore, frequent job changes, low savings rate

• Products services - Over 800 highly competitive, debt elimination, wealth accumulation and retirement planning mortgage products

• Opportunity - Easy entry, low cost, no set hours, high income, residual income

• Industry - Booming market, lowrates, 1.6 trillion in sales, stable long term market

• Markets - Baby Boomers, Retirees, Affluent, Investors, First Time and Move Up Buyers

The Problems of the Lending Industry• Our industry is changing on a daily basis.

• More and more uncertainties arise concerning the future of the loan originator

• Computerization, joint ventures, direct lender origination are increasingly affecting the way we do business.

• This means less business and decreasing commissions.

WHAT CAN YOU DO TO JUSTMAINTAIN YOUR

PRESENT INCOME?

JOINT VENTURES

DIRECT LENDERS

THE VISION

To Lead the Mortgage Planning Revolution

Transcontinental Lending Group will be the driving force in the mortgage planning industry.

• We are poised to become the first lender to take mortgage planning products directly to the households of the American people on a grand scale.

• As Wal-Mart, Wendy’s Dominos, and Burger King have been to the retail market, Transcontinental will be to mortgage planning, becoming the next giant of the decade.

• Transcontinental has the potential to change the lending habits of this nation and to build financial success for the American family.

THE MISSION

Financial Independence for our Clients & Employees

We are committed to creating financially independent clients and employees. All of our resources, leadership, management, physical and emotional energies are focused on the mission.

There are just two steps to accomplishing this goal:

• Join us as a loan originator or branch manager and take advantage of the opportunity to build your business within our business.

• Use the unique Debt Elimination, Wealth Accumulation and Retirement Planning mortgage products of our company for the benefit of your family, friends and business associates.

THE SYSTEM

Transcontinental Lending Group

offers a Proven Duplicable Marketing System

• Transcontinental offers you the dual benefit of maximizing your personal production with an innovative and lucrative compensation plan and a proven business format system that helps you develop and manage your own team

• Transcontinental’s marketing system will allow you to plan your future, achieve your dreams, create financial security and early retirement.

TRADITIONAL COMPENSATION PLAN(Based on a 50/50 plan of a Senior Loan Officer)

Annual income

Loans a month

($9,200 Monthly Income)

%

ysp

$200,000Average Loan Amount

2.3% = 4,600Average Commission x50

2,300

$110,400

x4

TRANSCONTINENTAL COMPENSATIONAL PLAN

There are many ways to receive commission!•Affiliate Branch Manager Commission – 90% on closed loans

•Senior Loan Officer Commission50% to 70% on closed loans

•Loan Officer Commission40% on closed loans

•Loan Associate Commission25% on closed loans

•Management Overrides10% to 65% Management overrides

Three Streams of Income Personal Loan Production

Management OverridesResidual Profit Sharing

PROFIT SHARING BONUS

Gross Commission Income to TLG $2,000,000

Profit Sharing Bonus (5%) x 5%

Profit Sharing Pool $100,000

Calculation for Profit Sharing Bonus Pool

Gross Loan Volume (GLV) of your Recruit $1,000,000

Divided by GLV of TLG $80,000,000

Percent of GLV Attributable to your Recruit 1.25%

Total Profit Sharing Bonus Pool $100,000

Profit Sharing Bonus Pool of Recruit $1,250

Calculation for Profit Sharing Bonus Pool of Your Recruit

PROFIT SHARING BONUS• Level - 1 26% $ 325.00• Level - 2 20% $ 250.00• Level - 3 17% $ 215.50• Level - 4 07% $ 87.50• Level - 5 13% $ 162.50• Level - 6 17% $ 215.50

• Total 100% $1,250.00

Would you like to Create Your Own Sales Force?

Now, you can earn income for your personal production and income for training new loan officer recruits, plus you can earn a percentage of the commissions generated by each new loan officer recruit you train and supervise for the company.

$319,820Total annual income after three levels $128,700

$86,40060 LO’s x 3 loans x $40 = $7,2003rd level

$32,40020 LO’s x 3 loans x $45 = $2,7002nd level

$ 9,9005 LO’s x 3 loans x $55 = $8251st level

$75,2004 loans x $200,000 x 2.3%

x 45% = $6,270

Training Overrides

$115,9203 loans x $200,000 x 2.3%

x 70% = $9,660Personal - You

Annual IncomeMonthly IncomeRecruits

Senior LO Responsibilities:• To provide an atmosphere of support and

encouragement for the program • Encourage participation at sales meetings for

updates and mortgage information• Mentor LAs and LOs• Keep Branch Manager apprised of progress of LAs and LOs

Supply all of the amenities and office needs of LAs and LOs

Branch Manager Responsibilities:

Realtor/Loan Officer Responsibilities:

1. Order credit report 2. Take application (1003) with assistance

and have disclosures signed 3. Shop interest rates 4. Order appraisal5. Order title work 6. Stay in contact with borrower 7. Attend the closing

The Tale of Two Loan Officers

• Make 200,000 a year for five years – Save 20% at 7% interest

• Focus - chopping wood

• Your Results - $290,000 in savings.

• Question 1 - Can you retire and live the rest of your life on the interest and principal that you saved?

•Make $200,000 a year for five years – Save 10% at 7% interest, plus recruit 12 loan officers and 5 branches a year

•Focus - chopping wood and building a sales organization

•Your Results - $115,000 in savings, plus $11,750 a month in team building profit sharing bonuses

•Question 2 - Could you retire and live comfortably on this level of income? You don’t have too retire, but could you retire comfortably?

Team Building Success• You become a SLO and build

a team:

• Close 3 loans a month personally… $9,660

• You build 4 Loan Associates who each close one loan a month… $8,280 Monthly Income $17,940 Annual Income $213,280

• You become a Affiliate Branch Manager and build a team:

• Close 3 loans a month personally… $11,154

• You build 4 Loan Associates who each close one loan a month… $12,880

Monthly Income $23,424 Annual Income $280,088

Your decision• If you’re new to the business join us today and register for our

next branch training class.

• If you are a seasoned loan officer and ready to open your own branch you will need to get back with the person who told you about our company to set up a TLG Branch overview

The big question is where do you go from here?

Register atwww.tlg.bz