MH Loans Affiliate Program 02

MH -LOAN MOBILE H OME LOAN S WIT H OU T LAN D

Af f il ia t e P r o g r a m

Dear Mortgage Professional, Almost every broker in America is getting calls from customers who have mobile homes. The greatest majority have no way to help these people. What are you doing with these customers? If you answered 'nothing' then you are wasting advertising dollars and worse yet your valuable time every time one of these calls comes in. MH- is proud to announce our first program which will allow you to receive a payout for the referral of customers who wish to Purchase or Refinance their manufactured homes in Mobile Home Parks, on leased land, family land, or anywhere that the land is not financed with the home. We handle all of the work and interaction with the customer. Your total time commitment is about 5 minutes to screen the customer and take a one page application. Easily earn an extra $1000 - $1500 per month, just for spending a few minutes with customers that you otherwise couldn't help. Start turning wasted calls and internet inquires into cash today! In today's difficult mortgage market it is more important than ever to bring as many sources of income into your mortgage operation as possible. Our philosophy is to help you earn money on every customer you come into contact with whether you can help them directly or not. We look forward to working with you and we thank you for your recommendation of MH-.

Sincerely, Sam Hess MH-

Mh -l o a n s .c o m

P h o n e : 3 1 7 - 3 3 1 - 9 6 3 6 ? F a x : 7 7 5 - 2 9 5 - 3 9 6 1 ? E - M a i l : a f f i l i a t e s @m h - l o a n s . c o m

? 2007 MH- All Right s Reserved

MH -LOAN

MOBILE H OME LOAN S WIT H OU T LAN D

Af f il ia t e P r o g r a m

The MH- affiliate program is designed so that you should spend only about 5 m inutes w ith each of these custom ers!

Sim ply fax the appropriate application ? w e do the rest!

? We pull the credit and screen the custom er. ? We handle ALL of t he paperwork. ? We contact the custom er and answer any questions they m ay have about their loan. ? We give them an individualized savings quote. I f we can't save them m oney, we will tell them right away. ? We handle all the details involved with com pleting their loan. ? We send out periodic spreadsheet s det ailing which loans are near funding. The frequency depends on your volum e. ? When loans fund, we send you a check!

Guide line s ( W hich Cust om e r s ca n w e he lp?) :

? Minim um credit scores = 620. D O N OT PULL TH E CRED I T. Just ask t he cust om er how he would rat e his credit . We will pull credit only if the custom er m eets the rest of the program guidelines.

? APPLI CAN TS M UST H AVE GOOD TO EXCELLEN T CRED I T. Scores alone are not t he det erm ining fact or. ? Prior Bankrupt cy, Consum er Credit Counseling, or Debt Consolidat ion requires at least 2 years of re- est ablished

credit wit h 3 NEW account s and ZERO lat e paym ent s. ? Full incom e docum entation required for all m obile hom es. ? Max DTI = 45% . ? The best program s are available for hom es 15 years or newer. ? Hom es as old as 1977 are eligible on a case by case basis. ? Pre- HUD hom es as old as 1970 are eligible in California ONLY. Rat e/ Term refi's ONLY ( NO Cash Out on Pre- HUD

hom es. NO Purchase loans on Pre- HUD hom es) . ? Singlewides, Doublewides, Triple- Wides ? All OK. ? Park - Model Hom es are not eligible. ? Minim um loan am ount = $15K Refi's / $26K Purchase loans. ? The cust om er's current rat e should be at least 9 - 10% in order t o realize any significant savings by refinancing. ? Owner occupied prim ary residence preferred. Second hom es, vacat ion hom es, hom es for relat ives are handled on a

case by case basis. ? NO I NVESTMENT OR RENTAL PROPERTI ES. ? All st at es OK except AK, CT, HI , MA, ME, NV, and NJ. ? I f a deal is subm itted through m ultiple sources, credit and payout will go to the first to send the application.

Pa y Sca le ( W ha t is in it for you?) :

Refinance Transactions: ? Singlewide Mobile Hom es = $350 each. ? Doublewide/ Triplewide/ Quad Wide Mobile Hom es = $500 each.

Purchase Transactions: ? $250 each regardless of the size hom e.

This m ay not seem like a large sum of cash unt il you consider t he fact t hat m ost of t hese loans average bet ween $25K and $30K ( there isn't a whole lot of m oney to be m ade on a loan that sm all) and that you should have less than 5 m inutes of your tim e invested in each application.

W e fully understand that your referral to us is a direct reflection on your business. W e w ill alw ays treat your custom ers w ith the utm ost courtesy and respect.

W e fully respect the current relationships you have w ith realtors, builders, and others that send you loans. W e w ill never try to get these people to circum vent you and send loans directly to us. I n fact w e encourage them to contact you directly w henever they have a m obile hom e borrow er they w ould like to refer. W e know that a solid and honest relationship w ith you w ill generate a steady flow of applications. W e w ill do everything w ithin our pow er to m aintain that relationship.

W e thank you for your recom m endation of MH - . W e look forw ard to serving your custom ers.

Mh -l o a n s .c o m

P h o n e : 3 1 7 - 3 3 1 - 9 6 3 6 ? F a x : 7 7 5 - 2 9 5 - 3 9 6 1 ? E - M a i l : a f f i l i a t e s @m h - l o a n s . c o m

? 2007 MH- All Right s Reserved

MH -LOAN MOBILE H OME LOAN S WIT H OU T LAN D

a f f il ia t e AP P LICAT ION

Fax t o: 775- 295- 3961

Date

Affiliate Information

Your Name Individual or Company Name who will receive checks Address where you want your checks sent

Company you work for

Position

Phone Contact Info:

Bus

Cell

Other

E-Mail Address

Your Web Site (if any):

Fill out this program application and the enclosed IRS Form W-9. Fax them to us at 775-2953961. We will send you the necessary application forms so that you can start submitting customers right away.

Continued participation in this program is solely at the discretion of MH- and its staff.

Name ? Print

Signature

Mh -l o a n s .c o m

P h o n e : 3 1 7 - 3 3 1 - 9 6 3 6 ? F a x : 7 7 5 - 2 9 5 - 3 9 6 1 ? E - M a i l : a f f i l i a t e s @m h - l o a n s . c o m

? 2007 MH- All Right s Reserved

MH -LOAN MOBILE H OME LOAN S WIT H OU T LAN D

a f f il ia t e a g r e e me n t

Fax t o: 775- 295- 3961

This Agreement between MH- (hereinafter referred to as "MH-"),

and

(hereinafter referred to as "Affiliate") and each of it's

employees and agents, agree to the following:

1. WARRANTIES AND COVENANTS Affiliate desires to furnish to MH- leads and information on mobile home and manufactured home customers. All applications submitted by Affiliate will be considered clients of MH-. Affiliate warrants that all file documentation submitted to MH- has not been altered or modified in any way, including property value information, or customer(s) creditworthiness. 2. COMPENSATION MH- will pay Affiliate a flat fee to be paid on a per lead basis. Fees to be paid at the time the customer completes and funds a loan transaction. A signed IRS Form W-9 must be on file in order to submit deals. For customer information received from more than one source, to include the marketing of MH-, credit and payment for that deal will go to the first to submit the customer information. 3. NON-CIRCUMVENTION MH- agrees not to circumvent, avoid, or bypass Affiliate in the attempt to avoid payment of fees. Affiliate agrees not to market to or solicit customers, contacts, associates, or clients of MH- in any way, shape, or form. 4. TERM OF AGREEMENT This Agreement shall remain in effect until either party terminates. Termination will be effective upon written receipt by either party. Termination of this Agreement by MH- does not relieve MH- of its obligations set forth herein relating to compensation. 5. JURISDICTION AND ARBITRATION This Agreement shall be governed in accordance of the laws of the State of Indiana. If any part of this Agreement is found to be unenforceable, all other terms of this Agreement will remain in effect until the Agreement is terminated. Any controversy or claim arising from a breach of this Agreement shall be submitted for Arbitration under the laws of the State of Indiana. 6. INDEMNIFICATION You agree to indemnify, defend and hold MH- and their respective directors, officers, shareholders, employees, agents, attorneys, advertisers, and clients (collectively, "Our Affiliated Parties") harmless from any liability, loss, claim or expense, including reasonable attorneys' fees, related to your participation in this Agreement. 7. RELATIONSHIP OF PARTIES The parties to this Agreement are independent contractors, and nothing in this agreement will create any partnership, joint venture, agency, franchise, sales representative, or employment relationship between the parties. You will have no authority to make any representations on our behalf. Neither MH- nor Affiliate will represent themselves as an Agent or Employee of the other. You will not make any statement, whether on your site or otherwise, that reasonably would contradict anything in this section. 8. ASSIGNMENT The Affiliate may not assign this Agreement without the prior written consent of MH-.

Affiliate:

MH-

Affiliate Name (Print)

Name (Print)

Affiliate Signature

Signature:

Business Address

(

)

Business Phone

Date:

Date:

Mh -l o a n s .c o m

P h o n e : 3 1 7 - 3 3 1 - 9 6 3 6 ? F a x : 7 7 5 - 2 9 5 - 3 9 6 1 ? E - M a i l : a f f i l i a t e s @m h - l o a n s . c o m

? 2007 MH- All Right s Reserved

W-9

Form (Rev. November 2005)

Department of the Treasury Internal Revenue Service

Request for Taxpayer Identification Number and Certification

Name (as shown on your income tax return)

Business name, if different from above

Give form to the requester. Do not send to the IRS.

Print or type See Specific Instructions on page 2.

Check appropriate box:

Individual/ Sole proprietor

Address (number, street, and apt. or suite no.)

Corporation

Partnership

Other

Exempt from backup withholding

Requester's name and address (optional)

City, state, and ZIP code

List account number(s) here (optional)

Part I Taxpayer Identification Number (TIN)

Enter your TIN in the appropriate box. The TIN provided must match the name given on Line 1 to avoid backup withholding. For individuals, this is your social security number (SSN). However, for a resident alien, sole proprietor, or disregarded entity, see the Part I instructions on page 3. For other entities, it is your employer identification number (EIN). If you do not have a number, see How to get a TIN on page 3.

Note. If the account is in more than one name, see the chart on page 4 for guidelines on whose number to enter.

Part II Certification

Social security number

?? or

Employer identification number

?

Under penalties of perjury, I certify that:

1. The number shown on this form is my correct taxpayer identification number (or I am waiting for a number to be issued to me), and

2. I am not subject to backup withholding because: (a) I am exempt from backup withholding, or (b) I have not been notified by the Internal Revenue Service (IRS) that I am subject to backup withholding as a result of a failure to report all interest or dividends, or (c) the IRS has notified me that I am no longer subject to backup withholding, and

3. I am a U.S. person (including a U.S. resident alien).

Certification instructions. You must cross out item 2 above if you have been notified by the IRS that you are currently subject to backup withholding because you have failed to report all interest and dividends on your tax return. For real estate transactions, item 2 does not apply. For mortgage interest paid, acquisition or abandonment of secured property, cancellation of debt, contributions to an individual retirement arrangement (IRA), and generally, payments other than interest and dividends, you are not required to sign the Certification, but you must provide your correct TIN. (See the instructions on page 4.)

Sign Here

Signature of U.S. person

Date

Purpose of Form

A person who is required to file an information return with the IRS, must obtain your correct taxpayer identification number (TIN) to report, for example, income paid to you, real estate transactions, mortgage interest you paid, acquisition or abandonment of secured property, cancellation of debt, or contributions you made to an IRA.

U.S. person. Use Form W-9 only if you are a U.S. person (including a resident alien), to provide your correct TIN to the person requesting it (the requester) and, when applicable, to:

1. Certify that the TIN you are giving is correct (or you are waiting for a number to be issued),

2. Certify that you are not subject to backup withholding, or

3. Claim exemption from backup withholding if you are a U.S. exempt payee.

In 3 above, if applicable, you are also certifying that as a U.S. person, your allocable share of any partnership income from a U.S. trade or business is not subject to the withholding tax on foreign partners' share of effectively connected income.

Note. If a requester gives you a form other than Form W-9 to request your TIN, you must use the requester's form if it is substantially similar to this Form W-9.

For federal tax purposes, you are considered a person if you are:

An individual who is a citizen or resident of the United States,

A partnership, corporation, company, or association created or organized in the United States or under the laws of the United States, or

Any estate (other than a foreign estate) or trust. See Regulations sections 301.7701-6(a) and 7(a) for additional information.

Special rules for partnerships. Partnerships that conduct a trade or business in the United States are generally required to pay a withholding tax on any foreign partners' share of income from such business. Further, in certain cases where a Form W-9 has not been received, a partnership is required to presume that a partner is a foreign person, and pay the withholding tax. Therefore, if you are a U.S. person that is a partner in a partnership conducting a trade or business in the United States, provide Form W-9 to the partnership to establish your U.S. status and avoid withholding on your share of partnership income.

The person who gives Form W-9 to the partnership for purposes of establishing its U.S. status and avoiding withholding on its allocable share of net income from the partnership conducting a trade or business in the United States is in the following cases:

The U.S. owner of a disregarded entity and not the entity,

Cat. No. 10231X

Form W-9 (Rev. 11-2005)

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