1. Our Growth Is Your Opportunity Capital Financial Mortgage Corporation

2. 5 Values That Define Our Company CLIENT FOCUSED -We strive to provide our clients with the most loan choices, at the best pricing available, including “World-Class” service. As a company, Capital Financial Mortgage’s purpose is: “We Exist To Serve By Inspiring Financial Freedom.” We turn this into reality by educating our clients during the loan process as well as through a series of consumer workshops. We continue to educate and to serve our clients well beyond the loan closing. TEAM CENTERED -We believe our greatest asset is our people. Nothing we do or share would be possible if not for those making Capital Financial Mortgage Corp. a tremendous place to work. We do not subscribe to the belief that “it takes money to make money”; we believe it takes a team of people who are passionate about helping clients make money. TRUTH -We believe our greatest asset is our people. Nothing we do or share would be possible if not for those making Capital Financial Mortgage Corp. a tremendous place to work. We do not subscribe to the belief that “it takes money to make money”; we believe it takes a team of people who are passionate about helping clients make money. CUTTING EDGE DEVELOPMENT -We place high value on company and personal improvement. Long-term advancement comes only from continuous training and ongoing development. We emphasize long term implementation of the systems we teach and share, assisting all those within our sphere of influence to reach true success. Every strategy and system we employ is logical, credible and compatible with financial and personal success in this industry; today! EXCELLENCE -We do things well. Excellence is not merely a means; it is an end worth pursuing for its own sake.

4. Compliance / RESPA Assistance (Initial Disclosures and Cancelled Files)

5. Database Marketing – Setup, Training, Implementation

6. Professional Office with highly skilled Support Staff

7. In-House Processing, Documents and Underwriting

8. Lead Generation Coaching

9. Ongoing Product Training

10. Access to Investors/Guidelines

11. Advanced Technology Platforms

12. Employee Benefits

14. “Passionate Loan Process” Our Client Relations Department Provides Each function for you! $300 of Closing Coupon Weekly Status Updates Sit Back and Relax Letter Appraisal Received Notification Loan Approval Notification Listing Agent Update and Testimonials Loan Docs Sent to Escrow How Did We Do Survey

15. “Passionate Loan Process” Our Client Relations Department Provides Each function for you! Loan Funding Complete Thank you Card to Borrower Letters to Agents with completed survey Meeting Request w/Listing Agent Could the previous 20 touch points transform the way you currently do business with your clients and business referral partners?

17. No Originator License required until July 2010

18. Technology equipped modern Conference Room

19. Credit Reports

20. AUS Access

21. Product and Pricing Engine

22. Printers, Scanners, Copiers

23. Medical Insurance

24. Dental Insurance

25. Aflac – Supplemental Insurance