Why has CFIC partnered with Community Empower (CE)?

1. Creating A Pipeline Of Tomorrow’s CustomersIntroducing the America’s most advanced system to putCFIC customers on the path to loan pre-qualification.

2. Why has CFIC partnered with Community Empower (CE)? • CE is a NETWORK for lending professionals • CFIC Originators will close more loans • More credit-worthy customers • Create a steady stream of prospects • CE gives CFIC Originators more selling power

3. CE is changing the retail loan origination business • CE is the 2005 Worldwide Product of the Year in Data Analytics • CE ranks among the World’s TOP 17 most innovative new products for 2005 • CE is being introduced to colleges /universities and is being taught as a requirement for mortgage professionals • CE runs some of the nation’s largest emerging market programs for lenders, homebuilders, government agencies, faith-based entities, associations, and other affinity groups.

4. What is Community Empower? • The world’s most advanced consumer credit analyzer • It spells out what credit issues must be addressed by the customer for a loan-by-loan analysis • It runs 20,000 math models against your client’s credit file to determine which credit moves will best benefit your client. • It’s automated, it’s fast and its very inexpensive • It’s backed up by hundreds of professional counselors • It can easily double your loan volume • It opens up a whole new customer base making prospecting much easier.

5. Community Empower provides a comprehensive analysis. Review Credit Report For Errors Or Fraud Credit Score Ranking Powerful Budgeting Tools Empower Consumers To Take Control Of Their Finances – And Learn How To Repay Debt Positive & Negative Credit Behaviors Affecting Score

6. CE shows your customers how to improve their credit Get A Specific Action Plan For Each Credit Line Item Forecast Potential Credit Improvements Action Plan Gives Specific Improvement Advice And Projects Score Increase CE Offers Multiple Recovery Strategies

7. CE pre-qualifies your employees for loans and homes Multiple Resolution Programs Are Available The System Alerts The Consumer When They Have Become Pre-Qualified For A CFIC Loan! With Just One Click The Consumer Is Referred Back To Referring CFIC Broker Consumers Can Locate Preferred Builders To Redeem Matched Savings $$

8. Electronic reports keep CE Network Participants up-to-date on deal-flow View the programs enrolled for each consumer Track the progress of each consumer See the beginning and ending dates for each enrolled consumer See an evaluation of each consumer

9. CE doesn’t require administration • CE handles each case • Each case is confidential • Each case uses professional counselors • Each customer is identified by broker code • CE uses its innovative proprietary technology that ensures high-quality work product and consistency of service delivery • CE is secure and safe • CE has extensive reporting to monitor results

10. Your customers will use your customized web site. Online enrollees receive assistance from professional counselors via: 1. LiveChat 2. E-Mail 3. Toll-Free Phone Customer enters your Loan Officer ID# on the registration screen so that they come back to you upon completion!

11. Expand Your Marketing Capabilities • Target Large Corporations • - Give them a value added tool for their employees, at no cost to the employer. • Add your website to their company intranet • Target Realtors • - A great way to revive turndowns

12. Where do I refer my customers? Enroll by phone with a professional counselor: 800-362-6101 Send them to your Branch Website Or enroll and receive the complete analysis online: www.communityempower.com/CFIC Online enrollees can receive support from professional counselors via: 1. Live Chat 2. E-Mail 3. Toll-Free Phone