Our Preferred Partners who have given us their trust by referring us their clients continue to benefit from that referral by exposure in our client retention contact program. With the cost of new client acquisition calculated at approximately 3 ‐ 5 times the cost of keeping a current client relationship, it’s clear that maintaining your hard‐earned client base is a matter of economic survival. Our client retention contact program accomplishes this through the following 7 steps:

1. Day of Initial Contact

On the day of initial contact, our team mails an introductory letter that clearly defines what we are all about and we direct them to this website. We also provide them with - either in hard copy or via our site – Fannie Mae’s free home buying guides:

A. Knowing and Understanding Your Credit
B. Opening the Door to a Home of Your Own
C. Borrowing Basics ‐ What You Don’t Know Can Hurt You
D. Choosing a Mortgage That’s Right For You

Also…Fannie Mae’s underwriting guide & HUD booklet:

E. Taking the Mystery out of Your Mortgage

F. Housing Urban Development Settlement Cost Booklet

2. Day of Loan Application

On the day of the initial loan consultation (during which an application agreement is signed), our team mails your client(s) a “thank you” card to let them know that we appreciate their business and look forward to a smooth closing. Included with the thank you card are free coffee certificates and your professional business card.

3. During Process

Your client receives at least 1 phone call or e‐mail (depending their preference of contact) per week regarding the loan’s progress and necessary documentation requirements.

Within a day of receiving the signed purchase agreement, our team mails your client(s) a “thank you” card to remind them that they are our most important priority and that we will take care of all the details. Included with the thank you card are free movie passes and your professional business card.

4. Day of Loan Approval

As soon as we receive final written loan approval, our team will send a “Congratulations Card” to let our clients know that they have full loan approval. This will also state that they remain very important to us, we appreciate their business, and look forward to a smooth closing. Of course, your business card is included.

5. At Closing

At closing, our team will deliver a beautiful plant to your client’s new home with a thank you note to let them know we appreciate their business and hope that we can be of continued service to them, their friends and family. Your professional business card is included with the plant.

Additionally, just after closing, a copy of the client’s appraisal and HUD‐1 Settlement Statement will be sent to the client. The client’s Tax Professional (if available) will also receive a copy of the HUD‐1 for that year’s tax preparation purposes.

6. Every Month ‐ Each client receives a copy of our e‐mail newsletter, detailing such topics as real estate, financial planning, insurance strategies, income tax reduction strategies, estate planning and wills and trusts (Click Here) to subscribe our e‐mail newsletter)*.

*Real Estate Partners – Want to stay in touch with HOT leads after the initial contact, but don’t have the time? (Click Here).

7. Mortgages Under Management ‐ Each client receives a monthly rate watch report outlining their current loan in comparison to the current rate provided within the marketplace. Upon request, we will provide them an analysis, detailing how much monthly savings they would receive if they refinanced at today’s current rates. If there is a target rate they are seeking, they can allow us to be their personal rate shopper. They will be notified when the rate becomes available.

In Summary: Through our comprehensive program, the client will receive valuable ongoing information and will be contacted in useful, fun and unobtrusive ways many times each calendar year. There is little chance the client will forget who provided them with their current real estate financing. Our Preferred Partners benefit from this by maintaining a relationship with a non‐competing professional (us), who will maintain the client relationship, and who will continue to refer the client back to them for services available through them. This is one way we help our Partners grow their business and increase their income.