1. Reverse Mortgage Opportunities You can become a Cash Flow Planner! 800-524-1774 www.callums.com Email: jcountryman@callums.com

2. Who is Underwriters Marketing Service ? We are a full service brokerage offering Life, Annuities, and Long Term Care. We offer producers the opportunity to participate in both the Reverse Mortgage and Forward Mortgage Business. UMS has been partnering with agents for 23 years. We are a national organization serving over 3,000 Credit Unions, Banks, Broker Dealers, and Independent Agents.

3. About Reverse Mortgages A Reverse Mortgage is a non-recourse mortgage The youngest person on the deed must be at least 62 years of age The home must be the primary residence The home is not required to be mortgage-free The interest may be paid to receive a tax deduction No repayment occurs until death, a move, or 12 months of vacancy

4. Whats the Bottom Line? You will be a loan officer authorized to place HUD approved Reverse Mortgages (This eliminates testing and mortgage license requirements and fees). E & O protection on mortgages is provided You are thereby able to receive compensation legally and above board – not as a questionable referral or administrative fee.