1. Primerica Home Buyers Workshop
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Primerica Home Buyers Workshop
How to get the most house for your money.
Objective of Slide: How to get the most house for your money.
Key Processing Points: Read the slide point and discuss
Script:
Good afternoon ladies and gentlemen, my name is ______________ and I am the (title) _____________. Joining me today are ______________(introduce other associates and the Mortgage Specialist) and we want to help you understand how you can get the most house for your money.

2. Today We’re Going to Talk About:
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Today We’re Going to Talk About:
How Primerica Can Help You Achieve Your Goals
The Benefits of Home Ownership
The Home Buying Process
Financing Your Home
Flexible Financing Alternatives
Process Recap and Guest Information Card
Objective of Slide: How to get the most house for your money.
Key Processing Points: Read the slide point and discuss
Script:
Today we’re going to talk about….

3. The speaker notes are for internal use only
The speaker notes are for internal use only. Not to be distributed to the public.
Lets Talk About Money
Most families want to buy their own homes but one of the main reasons they do not is because of money.
If we could help you develop a game plan to buy a home, pay it off sooner, protect your investment and plan for a great financial future, would that be of value to you and your family?
Objective of Slide: How to get the most house for your money.
Key Processing Points: Read the slide point and discuss
What other reason than money would you have which would prevent you from wanting to buy a home?

4. How Do You Make Goals and Dreams Come True
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How Do You Make Goals and Dreams Come True
The route to home ownership begins with:
The Financial Needs Analysis (FNA)
Customized
Confidential
Complimentary
Objective of Slide: To discuss the FNA and its importance in the home buying process.
Key Processing Points: Read the slide point and discuss

5. The speaker notes are for internal use only
The speaker notes are for internal use only. Not to be distributed to the public.
FNA
Objective of Slide: To discuss the FNA and its importance in the home buying process.
Key Processing Points: Read the slide point and discuss
Notes:
Asset Management managing your assets/securities
Debt Management managing your debt
Protection Management managing the way you protect your income
Income Management managing your income

6. FNA The FNA helps families look at how to: Get out of debt sooner
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FNA
The FNA helps families look at how to:
Get out of debt sooner
Pay off your mortgage earlier
Have a game plan to retire comfortable
Save for your child’s education
Objective of Slide: To discuss the FNA and its importance in the home buying process.
Key Processing Points: Read the slide point and discuss
Script:
Focus on explaining about the FNA and its purpose pertaining to debt and mortgage.

7. $975 After Tax Monthly Cost OWNING* RENTING $877 $874 Mortgage Payment
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After Tax Monthly Cost
OWNING*
$874 Mortgage Payment
+ $137 Real Estate Taxes
+ $40 Property Insurance
+ $81 Private Mortgage Insurance
= $1,132 Total Monthly Mortgage Payment
- $255 First Year Monthly Tax Savings
$877
RENTING
$975
Objective of Slide: To point out the various benefits of home ownership versus renting.
Key Processing Points: Read the slide point and discuss
Script:
In this example, we are comparing a monthly payment of rent of $975 to a mortgage payment of $1,132. While the mortgage payment in this example is higher, remember that a portion of your mortgage payment is interest. To get a truer comparison between the cost of renting and your monthly mortgage payment, you should subtract the portion of your payment which is interest**, which you may be able to deduct from your taxes, and then make the comparison to your monthly rent.
** will vary according to how far along in the amortization schedule you are.
* Assumes $131,580 Outstanding Mortgage Loan Balance with 5% Down Payment, 30 Year Fixed Rate Mortgage at 7.5%, 28% tax bracket, assumes full tax deductibility. Consult your tax advisor for actual tax savings.

8. The speaker notes are for internal use only
The speaker notes are for internal use only. Not to be distributed to the public.
How You Build Equity
Objective of Slide: To explain how equity is built through home ownership.
Key Processing Points: Read the slide point and discuss
Script:
How do you build equity through home ownership? In two ways: First, through the repayment of principal, and second through the appreciation of the value of your home. The equity you build in your home allows you to make other financial decisions which can be advantageous. You can borrow against the equity in your home, typically at rates that are lower than a personal unsecured loan and in most cases lower than credit cards. Also, when you borrow against the equity in your home, you may be allowed to deduct the mortgage interest you pay on your tax return. If you have built equity in your home, when you decide to sell it you can put that equity towards the purchase of another property.

9. The speaker notes are for internal use only
The speaker notes are for internal use only. Not to be distributed to the public.
Why Buy Now?
Objective of Slide: To explain why there is so much interest in home ownership now.
Key Processing Points: Read the slide point and discuss
Script:
Why is there so much interest in home ownership now? Well, it’s a good time to buy a home because interest rates are attractive. In 1984, average mortgage interest rates were 14%, in 1989, at 10%, and right now, they are at about 7.5%. That’s a big difference. And look at the difference a lower interest rate makes in your mortgage payment. In 1984 at 14% you’d be paying about $1481, in 1989 at 10% you’d be paying about $1097 and at today’s rate of 7.5%, you’d be paying about $874. That’s an enormous difference. So you can see that the current interest rate environment makes owning a home possible for many more people.
Note: Mortgage rates fluctuate and are based upon a variety of factors including loan to value and the borrowers’ credit.
* Mortgage Rates: 30 Year Fixed Rate Average. Based on a $125,000 First Mortgage
SOURCE: Mortgage Bankers Association

10. The speaker notes are for internal use only
The speaker notes are for internal use only. Not to be distributed to the public.
Why Buy Now?
Objective of Slide: To explain why there is so much interest in home ownership now.
Key Processing Points: Read the slide point and discuss
Script:
Another reason to consider buying a home is that on average, over time, property prices increase. Obviously, the longer you wait, the greater the possibility that the housing price will increase.
With all that said about interest rates and housing prices, remember that it’s really only a good time to buy a home if it’s a good time for you. This means that you have to be financially ready to make the commitment to home ownership.

11. Benefits of Home Ownership
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Benefits of Home Ownership
The Home Buying Process
Everyday Living Needs
Neighborhood
Future Needs
Personal Preferences
Objective of Slide: To explain the home buying process and its’ benefits.
Key Processing Points: Read the slide point and discuss
Script:
Let’s talk a little about the home buying process. First, you need to think about your present day needs, and then think about 5 to 7 years out into the future. Why 5 to 7 years? On average, homebuyers in the U.S. stay in their homes for 7 years. Are you starting a family? Are your children finishing school and will they soon be moving out on their own? Do you have a family member who may come to live with you? These are things to think about before you start shopping.

12. Location, Location, Location
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Location, Location, Location
Neighborhood Property Values
Streets and Transportation
Environment
Community Services
Schools and Shopping
Proximity to Workplace
Personal Tastes
Objective of Slide: To explain the home buying process and it’s benefits.
Key Processing Points: Read the slide point and discuss
Script:
Once you’ve thought through what your needs are, then you need to think about where you might like to purchase. And location determines many things, including price range. For example, if you decide to live out of the city, you may need to consider commuting time. For many people, schools and school districts are extremely important in making a decision as to where to buy. So, you need to do your homework before you begin to shop.

13. A Real Estate Agent Can Help
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A Real Estate Agent Can Help
Realtors® Know the Community
They Know What’s Available
They Arrange Home Showings
You Can See More Homes
Objective of Slide: To explain what a realtor can do for you during the home buying process and it’s benefits.
Key Processing Points: Read the slide point and discuss
Script:
Most people work with a realtor when they shop for a home. Realtors know the community and can arrange for you to see more properties. The most important thing to remember about working with a realtor is that, as a general rule, he or she represents the seller, not you. So, you might consider keeping the realtor separate from your attorney, which is required in some states*, and separate from where you get your financing. This way, you are choosing an attorney and financing that will best meet your needs. Most lenders have their own attorneys.
Many people also choose to shop for a home with a pre-approval from their lender. What’s a pre-approval, or a SureStart, as we call it? It is a commitment on the part of the bank to lend you the amount of money which you qualify for. The commitment is good for 90 days, and it can make you a more attractive buyer. How? If a realtor is working with two buyers, and one has been pre-approved and the other has not, the realtor knows that the pre-approved buyer can close the loan sooner.
*Required in New York, Florida

14. Determining A Fair Price
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What do homes sell for in that area?
Did the Realtor give you comparable sales?
Neighborhood meet your needs?
In your price range?
Objective of Slide: To be able to determine a fair price for your new home.
Key Processing Points: Read the slide point and discuss
Script:
When you find a property you are interested in buying, how do you know what to offer the seller?
A property will have an “asking price”, but determining the selling price is arrived at through a negotiating process.
By the simple act of shopping for a home, you will have been “observing the housing market”. You’ll get a feel for what similar properties are selling for in the areas where you are shopping, so you’ll know what is reasonable. You can also ask realtors for information on “comparable sales”, which are properties in about a one mile radius similar to yours which have sold in the last 6 months to one year.
When you make your offer, you also have to consider the intangibles—what do I mean by intangibles? These are considerations which may not be directly related to the property, like the school district in the area, or the fact that you have fallen in love with the property, or that you have been shopping for a long time. These factors may make you more aggressive in making your offer.

15. Everything Is Negotiable
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Everything Is Negotiable
Sales Price
Financing
Date/Location of Closing
Pro-rating Expenses
Selecting Attorney/Title Company
Objective of Slide: To explain that everything is negotiable when purchasing your new home.
Key Processing Points: Read the slide point and discuss
Script:
Just about everything is negotiable in the offer and contract process, but keep in mind that if you don’t know it’s negotiable, then it’s not. In other words, the more information you have, the more you understand the process, the more power you will have in the transaction, and the better prepared you will be to negotiate.
A couple of things about this stage of the process:
First, in some states* it is required that you have an attorney—preferably one you have selected through a trusted referral. If this is the case, never sign a contract without having your attorney review it. This is extremely important, as you want to make sure that your interests are protected.
Second, if you are purchasing a 1 to 4 family property, as opposed to a co-op, you may consider making the satisfactory completion of an inspection a contingency of your contract. You order and pay for the inspection and typically it costs approximately $300 to $500 dollars. Do not engage an engineer referred by the real estate agent, for the same reason you wouldn’t have them choose your attorney—you want someone who represents your interests.
Why order an inspection? Let’s say you don’t and after a year in your home you discover that there is a major repair that needs to be made—the boiler needs to be replaced, or the roof. This is a major expense and is one you did not anticipate. If you had gotten an inspection, then you would have known this in advance and worked with the seller to either reduce the selling price or make the repair before the closing.
*Required in New York, Florida

16. Making An Offer Negotiate a price Finalize Contract Closing Provisions
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Making An Offer
Negotiate a price
Work with the Realtor
Finalize Contract
Bind with a small deposit
Deposit is generally non-refundable!
Closing Provisions
Allow time to move
Allow time to sell current home or finish your lease
Objective of Slide: To explain the steps taken when making an offer.
Key Processing Points: Read the slide point and discuss
Script:
So let’s say your offer is accepted after you’ve negotiated the price with the seller. Then you finalize the contract, including contingencies like an inspection report. There is typically a binder—a good faith deposit that you put down. Now is the time to be sure, as often this deposit is non-refundable.
You will also negotiate your closing provisions, allowing time to move, finish your lease and, if you don’t have a pre-approval, arrange for financing.

17. Financing Your Home Good Faith Estimate The Approval Process Appraisal
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Financing Your Home
Good Faith Estimate
The Approval Process
Appraisal
Loan Decision
Closing/Settlement
Need out-of-pocket cash for closing costs
Get a Settlement Statement (HUD-1)
Objective of Slide: To explain the steps taken when financing your home.
Key Processing Points: Read the slide point and discuss
Script:
Now let’s talk about financing your home. These are the steps you will follow—
The application process, the appraisal of your property, the loan decision and the closing or settlement, in which the title of the property will be transferred to you. At the closing, you may need to have in the neighborhood of 5% of your loan amount to cover closing costs.
Let’s cover more in depth the application process.

18. What Lenders Consider Income Employment Assets Debts Credit History
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What Lenders Consider
Income
Employment
Assets
Debts
Credit History
Property
Objective of Slide: To point out what lenders take into consideration when looking at an application for credit.
Key Processing Points: Read the slide point and discuss
Script:
What do lenders consider when they look at an application for a mortgage loan? Well, every lender looks at these 5 things—income, employment, assets, debts and credit history, for any loan application. When real estate is involved—a 1st or 2nd mortgage lenders also look at the real estate that you are purchasing.
We’ll go through each one of these individually, and give you the “why.”

19. Income & Employment History
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Income & Employment History
Lenders consider your gross income, as long as it is steady & verifiable.
Salary
Second Job
Overtime
Alimony/Child Support*
Commissions
Dividends
Social Security Income
Pension
Objective of Slide: To point out what lenders take into consideration when looking at an application for credit.
Key Processing Points: Read the slide point and discuss
Script:
Income and Employment History
For income and employment, the key words to remember here are “steady and verifiable.” First let me tell you that “gross” income refers to income before taxes. On income, the lender will want to see W-2s or tax returns. If you have a second job, or work overtime, the lender will typically want to see that you have consistently worked the OT or second job for 2 years in order to average it into your income. In terms of employment history, what is steady and verifiable? If you have changed jobs and changed fields in the last two years, we would want to see no gap in earnings; more than one change in employment during the preceding two years would require other compensating factors in your application. If you have recently changed jobs, but are in the same field, and earning the same or more, then this would typically not be a problem.
Why steady and verifiable? Because, quite simply, the lender want to be sure that you will be able to repay your mortgage loan.
* You do not have to disclose this income if you do not wish to have it considered as a basis for repaying the loan.

20. Assets Savings and Checking Accounts Investments
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Assets
Savings and Checking Accounts
Investments
Equity in Your Current Home
Gifts/Grants
Objective of Slide: To point out what lenders take into consideration when looking at an application for credit.
Key Processing Points: Read the slide point and discuss
Script:
The lender looks at all of your assets, savings and checking, investments, cash value of life insurance, and gifts or grants. If you are lucky enough to have a relative who is giving you money to assist in your downpayment, then the lender will require a “gift letter” from that person.
Why do lenders look at your assets? First, they are looking to see that you have enough cash available on hand for the downpayment and closing costs. Second, in some instances, lenders are looking to see if you have a “cushion” or “emergency reserves” available to avoid interruptions in your ability to make your mortgage payments.

21. Debts Installment Loans Credit Cards Lines of Credit Other Mortgages
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Debts
Lenders Will Consider All Your Debts Since They Affect Your Ability to Make Your Mortgage Payments
Installment Loans
Credit Cards
Lines of Credit
Other Mortgages
Other Kinds of Debt (Auto Loans)
Objective of Slide: To point out what lenders take into consideration when looking at an application for credit.
Key Processing Points: Read the slide point and discuss
Script:
Lenders look at all of your debts because they affect your ability to make your mortgage payment. Typically, your minimum monthly payments on short-term debt should not exceed more than 33% of gross monthly income. And, with long-term debt included, that total should not exceed 38%.

22. Credit History A Credit Rating May Include:
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Credit History
A Credit Rating May Include:
Fixed Loan Balances and Payment History
Revolving Credit Balances and Payment History
Judgments/Bankruptcy/Foreclosure
Delinquencies/Collection Accounts
Suits/Repossessions
Number of New Inquiries
Credit Available vs. How Much is Used
Objective of Slide: To point out what lenders take into consideration when looking at an application for credit.
Key Processing Points: Read the slide point and discuss
Script:
Lenders look at your debts through a credit report. Why do they look at your credit history? Because it provides an indication of your behavior—do you pay your bills on time, every month, and if you had a credit issue, how did you handle it. There are many instances in which any of us can have a problem meeting our obligations. Let’s say you’re in a two-income household, and one person becomes ill or is injured. There’s a gap in earnings, and you cannot pay all your bills. This is what lenders call a “life event.” You certainly don’t have control over it, and it is no one’s fault. The questions the lenders will ask are “What did you do?” and “How did you handle it?” What any lender wants to see is that you got in touch with your creditors and worked out repayment plans and got back on track, with good payment history for a minimum of 1 to 2 years. Working out repayment and getting back on track is the answer to the questions that lenders want to see.

23. No Credit History? 12 Months Utility Bills (electric, gas)
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No Credit History?
12 Months Utility Bills (electric, gas)
Rent Receipts
Telephone and Cable Bills
Layaways
Alimony Payment History, if applicable
Any Recurring Monthly Obligation
Objective of Slide: To point out what lenders take into consideration when looking at an application for credit.
Key Processing Points: Read the slide point and discuss
Script:
What if you have no credit? Well, you won’t have any debt burden issues, which is good. Time was when if you didn’t have credit, you couldn’t get credit but that is no longer true. Lenders today create an “alternative credit history” with information you provide us with like payments on your utility bills, cable TV bills, and so on.

24. Property Appraisal Factors: Property Condition Age of Property
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Property
The Value of the Home You Are Financing Will Be Determined Through an Appraisal
Appraisal Factors:
Property Condition
Age of Property
Comparable Sales of Properties Nearby
Objective of Slide: To point out what lenders take into consideration when looking at an appraisal of property.
Key Processing Points: Read the slide point and discuss
Script:
Why do lenders do an appraisal of a property? Because a mortgage loan is a loan which is secured by a property. And, lenders want to be sure that the property is worth what you're paying for it.
The factors that go into an appraisal include the condition and age of the property, and comparable sales. Comparable sales are the selling prices of properties like yours in a one mile or so radius of yours.

25. Property Loan to Value (LTV) $125,000 = Loan Amount
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Property
Loan to Value (LTV)
$125,000 = Loan Amount
$131,580 = Value of Home
95% = Loan to Value
Note: If the LTV is greater than 80%, lenders may require mortgage insurance and the interest rate may be slightly higher.
Objective of Slide: To point out what lenders take into consideration when looking at an appraisal of property.
Key Processing Points: Read the slide point and discuss
Script:
When lenders do an appraisal, the loan amount is based upon the appraised value of the property—not the sales price. This is called the loan-to-value, or LTV. Why? Remember that a mortgage is a loan secured by the property, so lenders want to be sure that they are lending you money on a property that is worth what you paid for it.

26. Primerica’s H.O.M.E. Loan Program Financing Options
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Primerica’s H.O.M.E. Loan Program Financing Options
Through CitiMortgage’s Standard Home Financing Options
Expanded Lending Programs
Objective of Slide: To explain and discuss Primerica’s H.O.M.E Loan Program Financing options.
Key Processing Points: Read the slide point and discuss
Script:
Let’s talk more specifically about mortgage products, and special mortgage products tailored for first-time homebuyers and those who may be purchasing in high-cost housing areas.
At CitiMortgage, the standard mortgage has a number of requirements which are often difficult for many first-time homebuyers to meet, such as large downpayment requirements and reserve requirements.
Our affordable mortgages have more flexible underwriting guidelines which makes it easier for first-time homebuyers to qualify for a loan. What are the advantages of these products? First, let’s review what a qualifying guideline is.
Refer to the brochures

27. The speaker notes are for internal use only
The speaker notes are for internal use only. Not to be distributed to the public.
Get Off To A Sure Start
With SureStart on your side, you’ll be more confident as you begin shopping for your home, because you’ll be pre-approved for a specific loan amount. Plus, home sellers will know that you’re a serious buyer, because you’ll have a commitment in hand.
Objective of Slide: To explain and discuss the Primerica H.O.M.E. Loan Program financing options.
Key Processing Points: Read the slide point and discuss
Script:
Refer to Mortgage Solutions Brochure

28. Benefits of Home Ownership
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RENTING
No Potential Tax Deductions
No Return on Money
Potential Landlord/ Tenant Issues
Potential Lease/Rental Agreement Hassles
OWNING
You Get To Select An Area of Your Choice
Equity Builds Up
Tax Deductions*
It’s YOUR Home! Pride of Ownership
Objective of Slide: To point out the various benefits of home ownership versus renting.
Key Processing Points: Read the slide point and discuss
Script:
Renting
You do not always have lower monthly payments. You may be paying the same or more in rent as you would on a home of your own.
Owning a Home
You build equity, meaning you build wealth. The equity you build allows you to make other financial decisions.
Every month when you make your mortgage payment, a certain portion of your payment is interest. You may be allowed to deduct the interest you pay from your income when you file your taxes. You should consult with your tax professional.
Why rent when you can own?
*Your total deduction may be limited. You should consult your tax advisor.

29. CitiMortgage’s Expanded Lending Programs
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CitiMortgage’s Expanded Lending Programs
More Flexible Qualifying Guidelines
Programs Specifically Designed for Self-Employed Borrowers
Objective of Slide: To explain what qualifying guidelines are and how they fit into the process.
Key Processing Points: Read the slide point and discuss
Script:
In addition to using these more flexible qualifying or underwriting guidelines, our affordable mortgage products have low down payment requirements, as little as 3% of the borrower’s own funds, and low to no reserve requirements. What’s a “reserve requirement?” On our standard mortgage products, there is often a requirement that a borrower have 3 to 6 months PITI (principal, interest, taxes and insurance) on hand in a bank account. Again, these requirements are waived in most affordable mortgage products. Finally, many of these affordable mortgage products require that a borrower go through home buyer counseling.

30. Mortgages “Stated” Income Programs for Self-Employed Borrowers
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Mortgages
“Stated” Income Programs for Self-Employed Borrowers
Expanded Approval With Timely Payment Rewards
Conventional Loan Programs Including Jumbo Mortgages
Objective of Slide: To explain and discuss Primerica’s H.O.M.E Loan Program Financing options.
Key Processing Points: Read the slide point and discuss
“Traditional loan programs require self-employed borrowers to provide at least 2 years tax returns to verify income over a number of months. ‘Stated’ Income programs may allow borrowers to reduce or eliminate the need for income verification. In return for paying a slightly higher rate, these programs may be suitable for individuals just beginning self-employment, or those who otherwise don’t have 24 months of verifiable income.”
Expanded Approval With Timely Payment Rewards -- If the client makes 24 consecutive payments on or before the due date during the first four years of the loan, the interest rate will be automatically reduced by up to 1%.
“Additionally, conventional loan programs are suitable for many home buyers, whether it’s a first home, a vacation home or an investment property. While these programs have traditionally required at least a 20% down payment, many conventional programs offer reduced down payment options. Conventional financing usually features the lowest rate, but is available for loans under $275,000. By the way, that figure is for the year 2001, and generally changes every year.”
Refer To Brochure

31. Qualifying Guidelines
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Qualifying Guidelines
Qualifying or underwriting guidelines determine how much of your income is available to pay your housing expenses. .
Monthly Housing Costs:
mortgage payments
property taxes
insurance
monthly maintenance fees
PMI
1. As a percentage of gross income (Housing or Front End Debt Ratio)
2. Plus other long term debt as a percentage of gross income (Total or Back End Debt Ratio)
Objective of Slide: To explain what qualifying or underwriting guidelines are and how they fit into the process.
Key Processing Points: Read the slide point and discuss
Script:
Qualifying or underwriting guidelines are quite simply guidelines lenders use to determine how much of your income can be used to pay your housing and other expenses. There are two important guidelines: the housing or front end ratio and the total debt or back end ratio.
The housing ratio is your monthly housing cost, including principal, interest, taxes, insurance and monthly maintenance fees (if applicable) as a percentage of your monthly gross income.
The total debt ratio is this monthly housing cost plus your minimum monthly payments on other long term debt, as a percentage of your gross income.
Let’s look at what these ratios are.
Refer to the brochures

32. Affordable Mortgage Rates + Primerica H.O.M.E. Loan Program Equals….
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Now Is The Time To Act
Affordable Mortgage Rates +
Primerica H.O.M.E. Loan Program
Equals….
Objective of Slide: To further explain the home buying process by acting now.
Key Processing Points: Read the slide point and discuss
Script:
I hope this seminar has been helpful in explaining the home buying process. If you would like to ask any further questions, we will be available after the seminar, and you may wish to make an appointment with ______________ (PFA).

33. The speaker notes are for internal use only
The speaker notes are for internal use only. Not to be distributed to the public.
Your New Home!
Objective of Slide: To let them know that they should buy their new home.
Key Processing Points: Read the slide point and discuss

34. Process Recap Guest Information Card
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Guest Information Card
Name_______________________________________ Phone#(___)_______________
Address_________________________________________________________________
City______________________ State______________ Zip Code___________________
Are you interested in:
_______ Buying a principal residence or vacation property in the next 90 days?
Do you have any money set aside for the purchase of this property? yes_____ no_____
Are you willing to commit a minimum of $150 to the process as a non-refundable deposit?*
yes_______ no_______
Is it ok to call you at work? yes_____ no_____ Phone #(____)_____-_______________
*Applied toward closing costs upon closing
Objective of Slide: To recap the process with the client.
Key Processing Points: Read the slide point and discuss

35. Process Recap Complete The Guest Information Card
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Process Recap
Complete The Guest Information Card
Get With Your Primerica Representative
And Set Up An Appointment
Complete The Primerica H.O.M.E. Loan Borrower Information Kit
A CitiMortgage Consultant Will Call You Within 24 Hours
Objective of Slide: To recap the process with the client.
Key Processing Points: Read the slide point and discuss