EDUCATE2EARN

Investing In You

Chip Kron JT

YOUR CHALLENGEVisibility Credibility

Profitability

OUR PLAN

Educate2earn By The Numbers 19,361 agents have attended 691 classes and earned 58,083 CE credits

58,083 hours agents spent with our 68 loan officers currently approved to teach classes

Real Estate school approved in 16 states with another 12 in process

12 approved classes - 1 new class is added per qtr. based on current market trends Professional Power Points include 533 pages of current, relevant information

Each class has anywhere from 14 to 31 pages of handouts that go with its presentation teach 2 classes a month, with 28 agents in each class meet 672 agents a year!

That means instead of begging for 10 minute meetings, you get 1800 hours of meetings where the Agents Come To YOU!

This marketing plan has grown one mortgage companies business by over 483%

Performance School of Real Estate

Approved CE Class TopicsBehind the Scenes in Mortgage Lending FHA/VA Loans-What Realtors® Need to KnowHome Affordable Foreclosure Alternative ProgramUnderstanding FHA and VA Distressed Property OptionsUnderstanding Short Sale RE Transactions in ArizonaHow to Market Your Listings in 4 Easy Steps Down Payment Assistance and the Consumer Generating Leads Through Social Media Marketing Section 8 Housing Understanding Preforeclosure Purchases in Arizona Understanding FICO Scoring and Managing Credit Buying and Selling HUD Homes

Re-fi-

nance70%

Purchases30%

Where we came from…

Re-fi-

nance 28%Pur

chase 72%

2010 Results – By Dollar Volume$401.3M

Re-fi-

nance

17%

Purchases 83%

2011 Results – By Dollar Volume$547.8M

Over 36% Growth

Re-fi-

nance

11%

Purchase 89%

2011 Results – By Units3,248 Funded Loans

Dollar Volume Growth2011 vs. 2010

50.7% Growth

Total Loans Purchase Loans $-

$100,000,000

$200,000,000

$300,000,000

$400,000,000

$500,000,000

$600,000,000

20102011

36.5% Increase($146.5M)

56.3% Increase($162.7M)

Unit Volume Growth2011 vs. 2010

50.7% Growth

Total Loans Purchase Loans0

500

1,000

1,500

2,000

2,500

3,000

3,500

20102011

31.8% Increase(784 Loans) 47.6% Increase

(928 Loans)

AmeriFirst Financial

16 Branch Locations Today and Growing

Arizona – 11 Branch Locations

California – 4 Branch Locations

Idaho – 1 Branch Location

Licensed in AZ, CA, CO, ID, ND, NM, UT, WA (TX in process)

Branches on the Horizon

TexasTucson

Utah

OhioColorado

Nevada

WashingtonIdaho

Courthouse Steps ProgramCourthouse Fix and FlipStated Income Foreign National Program (Investor)Capital Mortgage Services

FHA Loans:FICO down to 580Manufactured Homes (No singlewide)

Conventional Loans:Up to 10 financed propertiesForeign National Program-30% downDelayed Financing programFannie/Freddie 125% programHauled Water (Needs their approval)

Amerifirst Expanded Programs

educate2earn Links

Chip Kron explains educate2earn Marketing Plan

JT explains the educate2earn Marketing Plan in Detail

What AmeriFirst LO Does for The Realtor

The Value of Being Seen – CE Class Slides

FHA – CE Class Slides

Sample CE Class – Social Media Marketing

1992

• Ralph Larsen formed Amerifirst

1993

• Ken Bowlby joined Amerifirst

1998

• Eric Bowlby joined Amerifirst

2001-2005

• Eric and Ken built Amerifirst to a $30 million a month company

2005

• Eric and Ken bought Amerifirst from Ralph

2007

• Amerifirst endured a lot of growth

2009

• Fred Kron joined Amerifirst Financial

2010

• Amy Hilliard joined Amerifirst Financial

2011

• Expansion into California and outside of Maricopa County (Yuma)

2012

• Exciting new partnerships & programs that will continue to set us apart from our competition

AmeriFirst Financial History

OURMISSION STATEMENT

Our goal is to be the lender of choice for the professional real estate agent and their clients in each market we enter as measured by all industry

service level surveys reported.

We will succeed by meeting the needs of our borrowers through exceptional communication and transparency throughout the loan process and

conducting our business with absolute integrity.

Amerifirst’s people will be the source of our competitive advantage. We will distinguish ourselves by creating an environment that fosters teamwork and innovation. We will utilize our employee’s abilities to the fullest while at the

same time treating each other with dignity and respect.