1. Don’t show them a home until they have the key! The key is being fully approved for a mortgage with the L&G Key-Card™ It’s the next best thing to walking in with a suitcase full of cash!

2. Campbell Communications Survey May, 2004 In a survey of almost 2000 real estate agents, they concurred that 16% of real estate transactions were disrupted by mortgage related problems. Separately they concurred that 26% of conditional loan approvals issued by mortgage companies turn out to be invalid. Most of the culprits were mortgage brokers!

3. Benefits of the Key-Card (To your buyer) 1. The Key-Card gives your client the edge over other buyers that simply have a conditional loan approval. 2. Even when not competing against other buyers, the Key-Card can still save your clients thousands of dollars because they can be more aggressive with their offer. 3. Your buyer has peace of mind knowing that they will not risk losing their earnest deposit because they received verified loan approval. 4. Your buyer can shop for a home with confidence knowing the money is there when they need it. 5. Your buyer can eliminate last minute delays that are both frustrating and costly. 6. Your buyer can take advantage of an earlier closing date which can save them money when locking their rate.

4. Benefits of the Key-Card (to you as the real estate agent) 1. By offering the Key-Card to your buyers, you are providing a more valuable service, setting you apart from the competition. 2. By having your buyer’s income, assets and credit fully verified, you have a more loyal client, less likely to search for a home through another agent. 3. In today’s tight real estate market, the Key-Card can help secure a property by constituting a more solid offer.

5. Flow of a Loan New Application No Property With Key-Card Contract with Property No Property Without Key-Card (stays in U/W Department) U/W Consultants Processors (a) Verify Assets, Employment etc. (Obtain satisfactory info from borrower within 5 days to issue Key-Card within 48 hrs.) Normal Flow (b) Order Title, Insurance, Flood Cert, and Appraisal Borrower Contract Accepted Docs drawn within 48 hrs of receipt of all (b) items Closing Remain in touch with Borrower Remain in touch with Borrower

7. Date: Date: 48 Buyers Signature: Buyers Signature: 47 CONNECTION WITH THE PURCHASE OR ATTEMPT TO PURCHASE REAL PROPERTY AND ACKNOWLEDGES A RECEIPT HEREOF. 46 BUYER’S KNOWLEDGE. BUYER AUTHORIZES LENDER AND ANY BROKER TO MAKE THIS INFORMATION AVAILABLE IN 45 BUYER REPRESENTS THAT THE INFORMATION PROVIDED TO THE LENDER IS COMPLETE AND ACCURATE TO THE BEST OF 44 Date: Signature: 43 Title: 42 Fax: Phone: 41 License Number: Scottsdale, AZ 85258 40 8737 E Via De Commercio 39 L&G Mortgagebanc 38 property, any contingencies in lines 30-35 and no material change in borrower’s financial status prior to closing. 37 This is a loan commitment valid for 90 days, subject to no adverse property conditions, insurance of subject 36 35 34 33 32 31 30 Has Appraisal been ordered? If yes, date ordered:  29 Appraisal fee has been authorized  28 Has buyer received a Good Faith Estimate?  27 Has Buyer received an automated loan approval?  26 If Yes, explain: 25 Could Buyer’s source of funds necessary to close cause a delay?  24 No Yes 23 Additional Questions: 22 Buyers assets and source of funds have been verified  21 Buyers income and ability to repay the loan have been verified  20 Buyer’s income / ratios have been verified and meet guidelines for this program  19 Buyer’s credit has been verified and meets guidelines of referenced loan program (Line 5)  18 N/A N/A N/A 17 N/A N/A N/A 16 N/A N/A N/A 15 Review of a Trimerged Residential Credit Report  14 Date: Completed loan application  13 No Yes 12 This Borrower Loan Approval is based on all of the following: 11 Residential Credit Report (“TMRCR”). This actual “Borrowers Loan Approval” substitutes the required (CLA). 10 Note: AAR Contracts require a Conditional Loan Approval (“CLA”) based on a loan application and Trimerged 9 Discount Points: Origination Fees: 8 7 and is Floating. Approved for interest rate: Between and 6 Loan Program: 5 Amounted Approved for: $ 4 Based upon supporting documentation provided, Buyer is approved subject to the following terms: 3 (Buyer) for a real estate loan. 2 L&G Mortgagebanc (Lender) has approved a loan based upon the verification of credit, assets and income of: 1 Borrowers Loan Approval

8. CONDITIONAL LOAN APPROVAL 1. The undersigned o Mortgage Banker o Mortgage Broker ("Lender") has made a preliminary review of the ability of: Line 1 Comparison L&G Mortgagebanc (Lender) has approved a loan based upon the verification of credit, assets and income of: 1 Borrowers Loan Approval Add L&G logo

9. Borrowers Loan Approval 3. Based upon supporting documentation provided, Buyer is approved subject to the following terms: CONDITIONAL LOAN APPROVAL 3. Based on the information provided, buyer is conditionally approved for a real estate loan on the following terms: Line 3 Comparison

10. Line 9, 10, 18 - 21 Comparison Buyers assets and source of funds have been verified Identification and verification of the source of funds necessary to close, (Need not be filled in) 21. Buyers income and ability to repay the loan have been verified Identification of the Buyer’s ability to repay the loan. Explain (Need not be filled in) 20. Buyer’s income / ratios have been verified and meet guidelines for this program Determination that Buyer’s income/ratios are within lending guidelines for this loan program. (Need not be filled in) 19. Buyer’s credit has been verified and meets guidelines of referenced loan program (Line 5) Determination that Buyer’s credit information meets guidelines of loan program referenced in line 5. (Need not be filled in) 18. Note: AAR Contracts require a Conditional Loan Approval (“CLA”) based on a loan application and Trimerged Residential Credit Report (“TMRCR”). This actual “Borrowers Loan Approval” replaces the required (CLA). Note: AAR Contracts require a Conditional Loan Approval (“CLA”) based on a loan application and Trimerged Residential Credit Report (“TMRCR”). 9. & 10

11. Go back to CLA vs. BLA form This is a loan commitment valid for 90 days, subject to no adverse property conditions, insurance of subject This report is not a "commitment" or "final approval" of Buyer’s ability to qualify for a real estate loan, which may be affected 36.

12. property, any contingencies in lines 30-35 and no material change in borrower’s financial status prior to closing. by any material change in the Buyer’s financial status from the information provided or by adverse property conditions. 37.

13. Buyers are more likely to stay with you when committed to a loan! ADVANCE FEE AGREEMENT Per this Agreement Applicant/s have authorized the following fees to be paid to L&G Mortgagebanc: □ Credit Report Fee: $ _____ (Paid by Electronic Credit Card) □ Processing Fee: $ _____ □ Appraisal: $ _____ (When Purchase Contract is received and Home Inspection period has expired) □ Other Fee: $_____ Description: _______________________ Payment Method □ Credit Card: Please charge my □ Visa □ MasterCard □ American Express Cardholder Name: _______________________ Address: _________________________________State:_____ Zip:______ Card Number: ______________________________ Expiration Date: ____________________ OR □ Check/Money Order: Enclosed is my check/money order made payable to L&G for the above fees. Processing Fee. By paying Processing Fees I/we have requested that L&G perform the necessary approval process for the issuance of an L&G Key-Card to me/us. Processing Fees are deemed earned by L&G at time of application and are non-refundable, unless otherwise required by law. Appraisal/Credit Report Fees. I/we may be due a partial refund or required to pay an additional amount to cover actual appraisal and/or credit report costs. I/we understand that these fees are non-refundable unless otherwise required by law. In the event of a purchase L&G is authorized to charge my credit card for the appraisal when and only when L&G receives my purchase contract and the home inspection period has expired. If my/our loan amount changes after I/we have paid any fees, L&G will adjust the fees accordingly and any difference will be credited toward or deducted from my closing costs. When my/our loan closes, all fees collected from me/us will be credited to my/our total closing costs and fees. I/we understand that if I/we withdraw my/our loan request, fail to provide information L&G requests within the required time frames, provide inaccurate information, or do not close before the expiration of my loan commitment; the fees collected will be non-refundable, unless otherwise required by law. If I/we fail to qualify for a loan, L&G will refund the fees collected except for any amount that has been paid by L&G to a third party for expenses incurred on my/our behalf (such as an appraisal fee).

14. Don’t show them a home until they have the key! The key is being fully approved for a mortgage with the L&G Key-Card™ It’s the next best thing to walking in with a suitcase full of cash!