Vantage Financial Services is a loss mitigation company that was formed through the acquisition of MCG Acquisitions in 2008. The company works to help homeowners facing foreclosure through note modifications, short sales, and short refinances. It has various vendor relationships and distribution channels to refer clients and currently focuses on the growing market of homeowners facing foreclosure or owing more than their home is worth. The company aims to grow its sales force nationally and increase its service offerings through strategic acquisitions to capitalize on industry trends.

1. A Loss mitigation company

4. The market and opportunity There is an estimated $14 trillion of residential and commercial mortgage debt in the United States, and delinquencies and defaults are rising rapidly. There area approximately 75 million homeowners in the U.S. At the end of June 2008, more than 4 million homeowners were at least one month behind on their mortgage payments. In all, 635,159 foreclosure filings were reported in the third quarter, up 99.5% from the year-ago quarter. Statistics show that more than 50% of homeowners in default never contact their servicer for fear of humiliation and losing their home. According to Moody’s Economy.com, this trend is expected to accelerate and increase significantly as approximately one out of every five homeowners in the U.S. with a mortgage owe more on their loans than their homes are worth. It is estimated that by 2010, 19 million homeowners will have mortgages greater than the value of their homes.

6. Distribution channels

11. Economic model cont. Income Budgeted 2009 2010 2011 2012 2013 Loss Mitigation ANNUAL Total $19,648,500 $36,324,721 $38,504,204 $40,814,457 $43,263,324 Default Servicing Fees ANNUAL Total $4,651,291 $10,230,369 $10,844,191 $11,494,842 $12,184,533 Property Preservation ANNUAL Total $479,844 $508,634 $539,152 $571,501 $605,791 Document Signing Services Income ANNUAL Total $612,164 $648,894 $687,828 $729,097 $722,843 TOTAL INCOME $25,391,799 $47,712,618 $50,575,375 $53,609,897 $56,826,491

15. $20,868.75 + $3482.00 +$8750.00 $33,100.75 +$25,750.00 Indirect Compensation Direct Compensation $58,850.75 one month compensation

16. This concludes the presentation and the floor is open to any questions and or comments!

17. Contact: Connor McNulty, Mid Atlantic RVP – [email_address] or 757-618-3858 John Mauk, North East RVP- [email_address] or 571-289-1010 Shaun Patrickus, [email_address] 847-830-3190 [email_address]