1. Welcome to

2. WELCOME TO How to Be Debt Free & Prosperous for Life Debt Elimination & Income Acceleration Workshop: A strategy to pay off all your debt including mortgage in less than 5 years with no net cost to you , while designing a Millionaire Lifestyle with Time and Money Freedom! Presents DREAM Success International, Inc.

7. STANDARD MORTGAGE Principal: $100,000.00 Rate: 10.500% Term: 30 years Interest Paid: $229,304.62 Payment: $914.74 Pmt. No. Date Payment Interest Principal Balance 1 01-Jan-0 $914.74 $875.00 $39.74 $99,960.26 2 01-Feb-07 $914.74 $874.65 $40.00 $99,920.17 3 01-Mar-07 $914.74 $874.30 $40.44 $99,879.73 4 01-Apr-07 $914.74 $873.95 $40.79 $99,838.94 5 01-May-07 $914.74 $873.59 $41.15 $99,797.79 6 01-Jun-07 $914.74 $873.23 $41.51 $99,756.28 7 01-Jul-07 $914.74 $872.87 $41.87 $99,714.41 8 01-Aug-07 $914.74 $872.50 $42.24 $99,672.17 9 01-Sep-07 $914.74 $872.13 $42.61 $99,629.56 10 01-Oct-07 $914.74 $871.76 $42.98 $99,586.58 11 01-Nov-07 $914.74 $871.38 $43.36 $99,543.22 12 01-Dec-07 $914.74 $871.00 $43.74 $99,499.48 … ... ... ... … … 32 01-Aug-09 $914.74 $862.68 $52.06 $98,539.75 PRINCIPAL | 1 = 40 = 50 = 900 = 1400 = INTEREST 20 800 1000 18000 28000

8. WHAT DOES IT MEAN? Paid 32 x $914.74 = $29,271.68 Principal Reduction $100,000 - $98,539.75 = $ 1,460.25 Bank gets (Interest) = $27,811.43 Resulting Ratio Approximately = 1 : 20 Pretty good deal, isn’t it!!! (for whom?) What You Don’t Know Is Costing You… and Plenty. 06/02/09 Copyright © 2007, DREAM SUCCESS INTERNATIONAL, INC. The Bank

9. BANKERS’ RULE (1:20) 20 for the BANK 1 for YOU Copyright © 2007, DREAM SUCCESS INTERNATIONAL, INC.

10. BI-WEEKLY MORTGAGE Pmt. No. Date Payment Interest P rincipal Balance Extra 1 01-Jan-07 $914.74 $875.00 $39.74 $99,960.26 2 01-Feb-07 $914.74 $874.65 $40.09 $99,920.17 3 01-Mar-07 $914.74 $874.30 $40.44 $99,879.73 4 01-Apr-07 $914.74 $873.95 $40.79 $99,838.94 5 01-May-07 $914.74 $873.59 $41.15 $99,797.79 6 01-Jun-07 $914.74 $873.23 $41.51 $99,756.28 7 01-Jul-07 $914.74 $872.87 $41.87 $99,714.41 8 01-Aug-07 $914.74 $872.50 $42.24 $99,672.17 9 01-Sep-07 $914.74 $872.13 $42.61 $99,629.56 10 01-Oct-07 $914.74 $871.76 $42.98 $99,586.58 11 01-Nov-07 $914.74 $871.38 $43.36 $99,543.22 12 01-Dec-07 $1,829.48 $871.00 $958.48 $98,584.74 $914.74 Basic Mortgage Acceleration Program Principal: $100,000.00 Interest Paid: $147,202.62 Rate: 10.500% Int. Savings: $82,103.41 Term: 20 yrs 11 mo. Interest Paid: $147,202.28 Payment: $914.74 Copyright © 2007, DREAM SUCCESS INTERNATIONAL, INC.

12. “ BI-WEEKLY ON STEROIDS” The DREAM Home Free™ Mortgage Bi-weekly praised by Wall Street Journal , USA Today, LA Times , The New York Times, Good Morning America , KTLA TV, Sylvia Porter and Government Agencies, Fannie Mae and Freddie Mac . The Dream Home Free Plan gets Rapid Results in Record Time by Super-Accelerating the loan twice as fast as the Bi-weekly. REGULAR BI-WEEKLY

13. MORTGAGE REDUCTION COMPARISON 99,164.64 98,259.94 97,280.15 96,219.04 95,069.86 93,825.29 92,477.43 91,017.70 89,436.80 87,724.70 85,870.49 83,862.39 81,687.61 79,332.32 76,781.55 74,019.07 71,027.30 67,787.22 64,278.21 60,477.95 56,362.28 51,905.01 . . . 0.00 98,584.76 97,013.55 95,269.19 93,332.59 91,182.58 88,795.63 86,145.62 83,203.58 79,937.31 76,311.09 72,285.25 67,815.75 62,853.69 57,344.80 51,228.80 44,438.80 36,900.53 28,531.50 19,240.18 8,924.93 0.00 96,754.76 93,151.88 89,151.95 84,711.21 79,781.09 74,307.65 68,231.03 61,484.73 53,994.97 45,679.82 36,448.30 26,199.45 14,821.13 2,188.88 0.00 92,955.87 85,327.08 77,065.11 68,117.40 58,427.03 47,932.36 36,566.65 24,257.58 10,926.87 0.00 82,020.87 62,549.49 41,461.99 18,624.23 0.00 49,215.87 0.00 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 . . . 30 Year Standard Principal: $100,000.00 Rate: 10.50% Term: 30 years Payment: $ 914.74 Paid off in: Interest Paid: Savings: 30 Y 0 M $229,306 $0 20 Y 11 M $147,203 $82,103 14 Y 3 M $94,325 $134,980 9 Y 3 M $58,660 $170,646 5 Y 0 M $30,451 $198,855 2 Y 0 M $15,373 $213,933 Where does the money come from? Why is it being paid towards your Mortgage? How come you don’t have to pay it back? 49,215 16,410 5,475 1,830 B/W + B/W + B/W + B/W + Bi-Weekly Copyright © 2007, DREAM SUCCESS INTERNATIONAL, INC.

15. DREAM Success International That is exactly What it is! $100 1 to 20 Rule $100 => $2000 Interest Savings Go Shopping $100 => $100

16. BUDGET $250 WOMANet Copyright © 2007, DREAM SUCCESS INTERNATIONAL, INC. Advertising Budget Left Over Cash Customer Acquisition Cost (CAC) $100 $150 25 25 25 25 25 - ELOC Divided Equally to 10 Levels Emergency Line of Credit - HCF Homeless Charities Fund - REAP Real Estate Acquisition Partnership - FAT Fun, Adventures And Toys - FCB Founders’ Club Bonus PROSPERITY INCENTIVE POOLS (PIP) 25 - RES Rebate, Education and Scholarship

17. QUESTION: How much money did we take from you to pay this loan off? ANSWER: None! W ord O f M outh A dvertising Net work DISCLAIMER: The Charts and Numbers used to explain downline and/or income and/or dollar points demonstrate how our Distributor/Associate Compensation Plan or Lead Generation System works, and is not intended to state or imply that a Distributor/Associate/Customer may, can or will obtain a specific downline or monthly income or points. No average or typical monthly Distributor/Associate income or number of Customer points has yet been established for our Distributors, Associates or Customers. Clients For Us = Debt Free Lifestyle For You Plus Prosperity !

18. DISCLAIMER: The Charts and Numbers used to explain downline and/or income and/or dollar points demonstrate how our Distributor/Associate Compensation Plan or Lead Generation System works, and is not intended to state or imply that a Distributor/Associate/Customer may, can or will obtain a specific downline or monthly income or points. No average or typical monthly Distributor/Associate income or number of Customer points has yet been established for our Distributors, Associates or Customers.

19. Your 3 Questions Answered: Copyright © 2007, DREAM SUCCESS INTERNATIONAL, INC. 1. Where does the money come from? From our advertising budget which we would have to spend anyway to get a client. 2. Why is it being paid towards your Mortgage? Because you are our client who started this and that is where it is worth most to you. 3. How come you don’t have to pay it back? It is a reward (RRP’s) and you earned it!

20. Reserved for: Fast Thinkers, Decision Makers and Do Gooders! Legend: GLRY: Good Loan Referrals per year POT: Pay-Off Term REAP: Real Estate Acquisition Partnership RES: Rebate, Education & Scholarship PDP: Prosperity Dollar Points PLOC: Prosperity Line of Credit TDP: Total Dollar Points HCF: Homeless Charities Fund CDP: Cumulative Dollar Points ELOC: Emergency Line of Credit FCB: Founders’ Club Bonus WDP: WOMANet Dollar Points FAT: Fun, Adventure and Toys Copyright © 2007, DREAM SUCCESS INTERNATIONAL, INC. IA CC PROSPERITY INCENTIVE POOLS

22. Neutral Third Party Service Bureau (Protection) Homeowner WOMANET Every two weeks Lender On the due date Electronic Funds Transfer As you can see, we have built in a great deal of SAFETY SECURITY PROTECTION RELIABILITY Copyright © 2007, DREAM SUCCESS INTERNATIONAL, INC. F.D.I.C. Bank BANK Non-Discretionary Trust or Escrow Account ½ of the monthly payment is deducted from the homeowner’s checking or savings account and deposited to the Trust or Escrow Account, where also are deposited the lead generation monies. the full payment plus any principal reduction payments are sent to the homeowner’s lender. All Electronic Funds Transfers (EFT) are regulated and protected by the Federal Reserve Systems “Regulation E”

28. FINAL ANALYSIS WHETHER YOU DO THIS OR NOT, YOU’RE ALREADY PAYING FOR IT!! But Wait There’s MORE …

30. A Short Break (Fill out Mortgage Analysis Information sheets) $100 bill 06/02/09 The Choice is yours… If you’re going to receive Reward Points to pay off your mortgage… Why not make commissions and residuals ON THE SAME CUSTOMER? Learn about it … after the break.

31. Welcome to Copyright © 2007, DREAM SUCCESS INTERNATIONAL, INC.

35. DREAM Wealth Builder Compensation Plan DREAM - 6 SOURCES OF INCOME 1. Upfront Personal Commission (up to $1000 / client). 2. Upfront Overrides (up to $800 / client). 3. Residual - Team Cycle Bonus (up to 500 cycles per week). 4. Residual - 10% Matching Bonus. 5. Fast Start Bonus ($100 per MBA Business Package). 6. Company Profit Sharing (Certified Associates Only).

36. 1. Upfront Personal Commission Copyright © 2007, DREAM SUCCESS INTERNATIONAL, INC. You earned upfront commission by closing and helping your own client!

37. 2. Upfront Overrides Copyright © 2007, DREAM SUCCESS INTERNATIONAL, INC. You earned upfront overrides by helping other Associates to enroll the clients they brought in!

38. 3. Residual - Team Cycle Bonus Copyright © 2007, DREAM SUCCESS INTERNATIONAL, INC. You earned residual income from all the sales generated from your team to unlimited depth!*

39. 4. Residual – 10% Matching Bonus Copyright © 2007, DREAM SUCCESS INTERNATIONAL, INC. You earned 10% Matching Bonus per week from each personally enrolled Associates’ residual income!*

40. 5. Fast Start Bonus Copyright © 2007, DREAM SUCCESS INTERNATIONAL, INC. You earn Fast Start Bonus for personally enrolling an MBA*

41. 6. Company Profit Sharing Copyright © 2007, DREAM SUCCESS INTERNATIONAL, INC. You can earn a share from the gross profit of the Company.*

42. DREAM Cycle Team Bonus Left Team Right Team HOW TO QUALIFY? Personally sponsors at least 1 Associate who enrolls at least 1 Client. Now you are QUALIFIED to receive overrides to unlimited depth up to $13,500* per week ! Personally enroll at least 1 Client. Personally sponsors at least 1 Associate who enroll s at least 1 Client. *If you are an Executive Associate you could earn up to $27,000 per week. 100BV 100BV 100BV Copyright © 2007, DREAM SUCCESS INTERNATIONAL, INC. Cash Client = 3000 BV Installment Client = 300 BV and 100 BV per month thereafter for 60 months. DISCLAIMER: The Charts and Numbers used to explain downline and/or income and/or dollar points demonstrate how our Distributor/Associate/Compensation Plan or Lead Generation System works, and is not intended to state or imply that a Distributor/Associate/Customer may, can or will obtain a specific downline or monthly income or points. No average or typical monthly Distributor/Associate income or number of Customer points has yet been established for our Distributors, Associates or Customers. YOU

43. Dream Cycle Team Bonus 600 BV 300 BV 900 BV = 1 Cycle If Cycle Value = 6% 1 Cycle =$54 How is it calculated? DISCLAIMER: The Charts and Numbers used to explain downline and/or income and/or dollar points demonstrate how our Distributor/Associate/Compensation Plan or Lead Generation System works, and is not intended to state or imply that a Distributor/Associate/Customer may, can or will obtain a specific downline or monthly income or points. No average or typical monthly Distributor/Associate income or number of Customer points has yet been established for our Distributors, Associates or Customers. Copyright © 2007, DREAM SUCCESS INTERNATIONAL, INC. YOU Right Team Left Team

44. Dream Cycle Team Bonus QA How do you earn Business Volume? DISCLAIMER: The Charts and Numbers used to explain downline and/or income and/or dollar points demonstrate how our Distributor/Associate/Compensation Plan or Lead Generation System works, and is not intended to state or imply that a Distributor/Associate/Customer may, can or will obtain a specific downline or monthly income or points. No average or typical monthly Distributor/Associate income or number of Customer points has yet been established for our Distributors, Associates or Customers. Cash Client Copyright © 2007, DREAM SUCCESS INTERNATIONAL, INC. 300 BV 300 BV 0 BV 300 BV 300 BV 300 BV 300 BV 3000 BV 3000 BV 3000 BV 3000 BV 0 BV 3000 BV 3000 BV Installment Client Next Month BV YOU QA QA QA NQ QA QA QA NQ QA QA QA QA 100 BV 100 BV 0 BV 100 BV 100 B 100 BV 100 BV

46. 10% Matching Bonus - Explained Personally Sponsor 5 Qualified Associates Personally Sponsor 5 Qualified Associates Executive Associate Receive a 10% Matching Team Bonus on the weekly bonus income from all PERSONALLY enrolled QUALIFIED Associates and Executives up to a maximum of 25 CYCLES from each. Ex: (25 cycles X $54 = $1350/week) (10 Associates X $1350= $13,500/week) What is a QUALIFIED ASSOCIATE? One who has personally enrolled at least 1 Client and has personally sponsored at least one Associate on each team (Left and Right), who has also enrolled at least 1 Client of their own. YOU Right Team Left Team

47. DISCLAIMER: The Charts and Numbers used to explain downline and/or income and/or dollar points demonstrate how our Distributor/Associate/Compensation Plan or Lead Generation System works, and is not intended to state or imply that a Distributor/Associate/Customer may, can or will obtain a specific downline or monthly income or points. No average or typical monthly Distributor/Associate income or number of Customer points has yet been established for our Distributors, Associates or Customers. Business Center Re-Entries You #1 You #2 Up to $13,500/Wk * Up to $13,500/Wk * You #3 You #4 John Mary Left Team – 2 nd Gen Right Team – 2 nd Gen Left Team – 3 rd Gen Right Team – 3 rd Gen * 250 Cycles x $54 = $13,500/Wk * Executive Consultant = 500 Cycles x $54 = $27,000/Wk As an EXECUTIVE CONSULTANT you could earn as much as $108,000 per week ($27,000 per Business Center x 4) after the 3 rd Business Center Re-Entries ! See Disclaimer Below Copyright © 2007, DREAM SUCCESS INTERNATIONAL, INC. Perfect World Example Left Team Right Team Left Team Right Team Up to $13,500/Wk *

48. DREAM Financed Plan Pay Out (Example Only) DISCLAIMER: The Charts and Numbers used to explain down line and/or income demonstrate how our Distributor/Associate Compensation Plan works, and is not intended to state or imply that a Distributor/Associate may, can or will obtain a specific down line or monthly income. No average or typical monthly Distributor/Associate income or has yet been established for our Distributors/Associates. Level 1 Left Team Right Team 2 TOTAL 300BV 300BV Cycles x $54 0 $0 $0.00 Approximate Monthly Team Bonus $54 $216 $540 $1,134 $2,322 $4,752 $9,612 $ 19,278 $ 38,610 $ 77,328 See Disclaimer Below $500 upfront Commission. 64 x 2 = 128 64 x 2 = 128 8 256 32 x 2 = 64 32 x 2 = 64 7 128 16 x 2 = 32 16 x 2 = 32 6 64 4 16 3 8 2 4 300BV 300BV 1 $54 3 $162 6 $324 11 $594 22 $1,188 45 $2,430 90 $4,860 179 $9,666 8 x 2 = 16 5 32 8 x 2 = 16 128 x 2 = 256 128 x 2 = 256 9 512 358 $19,332 256 x 2 = 512 256 x 2 = 512 10 1024 100BV 100BV 717 $38,718 512 x 2 = 1024 512 x 2 = 1024 11 2048

49. DREAM Cash Plan Pay Out (Example Only) Level 1 Left Team Right Team 2 TOTAL 3000BV 3000BV Cycles x 54 5 $270 DISCLAIMER: The Charts and Numbers used to explain down line and/or income demonstrate how our Distributor/Associate Compensation Plan works, and is not intended to state or imply that a Distributor/Associate may, can or will obtain a specific down line or monthly income. No average or typical monthly Distributor/Associate income or has yet been established for our Distributors/Associates. Copyright © 2007, DREAM SUCCESS INTERNATIONAL, INC. (See Disclaimer Below) $1000 upfront Commission. 32 x 2 = 64 32 x 2 = 64 7 128 16 x 2 = 32 16 x 2 = 32 6 64 4 16 3 8 2 4 3000BV 3000BV 12 $648 24 $1,296 48 $2,592 96 $5,184 192 $10,368 384 $20,736 8 x 2 = 16 5 32 8 x 2 = 16 64 x 2 = 128 64 x 2 = 128 8 256 768 $ 41,472 128 x 2 = 256 128 x 2 = 256 9 512 1536 $82,944

51. Savings for MBA as A Client Copyright © 2007, DREAM SUCCESS INTERNATIONAL, INC. *Fees are based on 5-Star Preferred Customers . **A separate Application Fee of $498 is to be included in the fees above. CLIENT Type AS A REGULAR CLIENT* AS AN MBA & CLIENT* OPTIONS Installment Cash Installment Cash Consultation Fee (CF)** $10,998 $5,998 $5,998 $4,998 Discount $0 $5,000 $5,000 $6,000 Down Payment $998 $5,998 $998 $4,998 Monthly Payment $119 for 120 mos. Due on 60 th mo. $0 $100 for 60 months. $0

53. The DREAM System How Do I Start? Copyright © 2007, DREAM SUCCESS INTERNATIONAL, INC. As a client, get a FREE Mortgage Analysis on your loan to estimate your savings and time to be Debt Free! A value of $100! This is our FREE gift to you for being here today Simply fill out your personal mortgage analysis form to see how many thousands we can save you!

54. Is the DREAM Lifestyle for YOU? Only You Can Decide! CHANGE YOUR LIFE! Join Today, And Start Achieving Your Financial Dreams! Failing To Decide is Deciding To Fail! PAID OFF Financial Prison or Financial FREEDOM? Just Remember: So what will it be: 06/02/09 Copyright © 2007, DREAM SUCCESS INTERNATIONAL , INC.