1. Mortgage Marketing Animals Presents: Pat Fitzgerald – VA Expert and all round nice guy….

2. The Fitzgerald Team San Antonio, Texas

3. San Antonio Branch PrimeLending is a $9 Billion Dollar Banker Owned by PlainsCapital Bank (Dallas HQ) 1200 Loan Officers 2011 Dollar Volume $190,000,000 (S.A.) I am a Loan Officer only….no management

4. The Fitzgerald Team 2011 Volume $50,000,000 + 8 Team Members including Pat Fitzgerald Team is totally self contained Dedicated Processors to Fitzgerald Team Dedicated Setup (Order out items)

5. The Fitzgerald Team Accomplishments Ranked #1 Texas Vet VA 2008, 09, 10, 11 Ranked #2 in San Antonio (closed Units) Ranked #7 in VA Volume in U.S. 2010 Ranked #11 in PrimeLending 2011 Member PrimeLending Chairman’s Club

6. Pat, for those LO’s on the call that may not know you, please tell us what your mix of loans is?

7. What got you interested in VA Loans?

8. I heard that you are now teaching Realtors at your local Board of Realtors? Why?

9. How do you market?

11. What percentage of your business comes to you directly vs from a Realtor?

12. How does a LO begin looking at VA Loans?

13. How does a LO search for Veterans?

14. How does a LO find military bases?

15. How does a LO know what questions to ask a Veteran?

16. Please outline a VA Loan in terms of limit, down payment, PMI, etc.

17. What about VA disability and how that factors into a VA Loan?

18. Can you go above $417,000 on a VA Loan?

19. Can a Veteran have two VA Loans at one time?

20. What about BK 7 & BK13? How does VA feel about that?

21. Property types allowed by VA?

22. The Fitzgerald Team

23. Pat Fitzgerald Duties I am the “Hunter” All Staff Members are “skinners” I am the Phone Guy I am “Retail Direct” 80% of business is non Realtor

24. Pat Fitzgerald Does Not Do Loan Apps Generate Disclosures Lock Loans Chase Conditions Go to Closings

25. Stephanie M. Senior LO, my Partner Former UW, GM of Mort. Co. Manages Team Members Oversees all Manual UW’s Handles all self employed Disclosures/Locks Loans

26. Kristen M. LO Assistant Handles all VA Deals Firms up 1003 Prepares Disclosures Submits to Processing Chases conditions

27. Randi D. LO Assistant Handles all Bank Business Firms up 1003 Prepares Disclosures Submits to Processing Chases conditions

28. Kristian K. Senior Processor Former Ops Mgr for builder 18 Years in Mortgage Can sign off on conditions* * Not value related

29. Craig H. Junior Processor 1.5 Years in Mortgage Also does Team Reports

30. Shelly C. Setup Person Orders Appraisals Orders Title, Survey Orders HOI, and Termite Submits all files into Closing

31. Hannah R. Answers Team Phone Answers my phone Inputs all online apps Pulls credit Handles my Calendar Monitors my emails

33. Thanks Pat!!