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12% Secured Investment

12% Secured Investment. The Company. Management. Nelson A. Locke, JD and Founder Legal and Compliance Officer – Legal Expert – FHA Underwriter Recognized as one of America’s most experienced Mortgage Finance Experts

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12% Secured Investment

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  1. 12% Secured Investment Value Financial Mortgage Services, Inc (C) 2012, Limited Time Offer Expiring November 15th, 2012

  2. The Company Value Financial Mortgage Services, Inc (C) 2012, Limited Time Offer Expiring November 15th, 2012

  3. Management • Nelson A. Locke, JD and Founder • Legal and Compliance Officer – Legal Expert – FHA Underwriter • Recognized as one of America’s most experienced Mortgage Finance Experts • Core Competencies: Compliance and Quality Control…..…Forensic Loan Auditing……. • Accounting and Financial Controls………Compliance with Regulatory Requirements……. • NMLS and SAFE ACT Licensed …....RESPA, TILA, ECOA………Compliance TRAINING…… • FHA Underwriting....…Strategic Planning…..… General Industry Issues. • Subject Matter Expert: Special expertise regarding Mortgage Finance, the Law, and Compliance. • Recognized as team oriented executive; creative, visionary and decisive leader. • Forensic and analytical; accountable; an employee-focused motivator. • Highly experienced TRAINER, with emphasis on Compliance and Regulations. • Holds JD and BA Degrees. Legal Specialist in Matters Mortgage or Agency related. • Expert Witness federally qualified. Experienced Forensic Analyst. Value Financial Mortgage Services, Inc (C) 2012, Limited Time Offer Expiring November 15th, 2012

  4. Management Jon Gordon President and Chief Operating Officer Jon Gordon is Value Financial’sPresident and Chief Operating Officer. He is responsible for the daily operations of Value’s processing and closing departments. He is a technology expert, having participated in the development of Value’s state of the art vertical production platform. Jon is a fully qualified HECM underwriter. Prior to his current position Jon led our Correspondent Department. Jon studied marketing at Florida International University. He joined the Value Financial team in 2002. Value Financial Mortgage Services, Inc (C) 2012, Limited Time Offer Expiring November 15th, 2012

  5. The Investment • The purpose of the investment is to provide pledged funds to our warehouse bank, causing them to increase our warehouse facility to $1.5 million dollars. For every dollar we have on deposit we are given access to a funding line of credit on a three or four to one ratio. So this 500K should allow us to increase our existing 500K line to 1.5M or more. And that will allow us to fund more loans and grow more quickly. • We will grow by aggressively adding small mortgage companies and banks to our customer base. They are the delivery system that provides us with customers. • Your funds will be safe and secure. Your funds will be kept on deposit in a pledge account requiring dual signatures – one from Value and one from You - at F&M Bank in Tulsa Oklahoma. • These funds will not be used for any purpose other than the pledge account. They will remain in the pledge account. • The transaction will be secured in three ways. First, it will be structured as a preferred stock purchase. This is to enhance the equity side of our balance sheet. The preferred stock will pay you a 12% coupon quarterly. For each 100K you invest, you will earn $12,000 per year. • Second, your funds will remain in an FDIC Insured Bank, pledged to secure our increased warehouse line capacity. We will provide you with access to our banker and a copy of the monthly statement showing the funds on deposit. • Finally, you may also file a proper UCC9 as additional security. • What if you need your money back? We will provide for a contractual put back to the company should you choose to take back their funds. Certain notice requirements will apply just to be sure that we have proper time to replace your funds so as to not disrupt our business. • The minimum term of the investment is 12 months. • The agreement has procedures for handling any defaults. Value Financial Mortgage Services, Inc (C) 2012, Limited Time Offer Expiring November 15th, 2012

  6. Due Diligence Available for your review. • Current HUD Audit Letter verifying Company Status • Certified Audits – as many years as you feel you need to see • Mr. Locke’s Moral Character Determination from the California Bar • Banking Reference from the FDIC Target Bank Value Financial Mortgage Services, Inc (C) 2012, Limited Time Offer Expiring November 15th, 2012

  7. Your Next Step • Please advise our Financial Advisor of your interest. This offer is limited and expires November 15th, 2012. • Mr. Handler can be reached at (561) 747-0751 • Mr. Handler may be e-mailed at lhandler1@comcast.net Value Financial Mortgage Services, Inc (C) 2012, Limited Time Offer Expiring November 15th, 2012

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