Power Is Now Coaching

THE POWER IS NOW, INC

POWER COACHING www.ThePowerIsNow.com | Info@ThePowerIsNow.com Stay Connected!

POWER COACHING

CONTENTS Description of Business

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Vision

3

Mission

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Slogan

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Philosophy

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Value

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Position for Growth

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Goals and Objectives

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Services and Benefits

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Benefits of Services

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Strategic Planning

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Financial Planning

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Leadership Coaching

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Management Coaching

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Business Concierge Services

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Entrepreneurs Business Consultant

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Personal Power Coaching

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Non-Profit Consulting Power Coaching

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Leadership Power Coaching

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Management Power Coaching

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Event Magament Power Coaching

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About Eric Lawrence Frazier

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POWER COACHING

ABOUT US The Power is Now Inc. is a Multi-Media Consulting and Education Company that specializes in Business and Real Estate consulting for real estate and business professionals and Financial Literacy education for consumers nationwide. The information is disseminated via Online Radio, Teleconferences, Video Conferencing, eMagazines, and Live Events.

The Power Is Now consulting division works with for-profit and non-profit business to help them achieve their goals and provides a full suite of services designed to support all aspects of business growth and development. The Power Is Now is a web based business headquartered in Riverside County serving the world.

Vision

Mission The mission of the Power of Now Inc. is to inspire, educate, and empower leaders, consumers in the business community and the housing industry to achieve success with information and motivation that will cause them to act now. To also provide services to consumers and business professionals that will result in greater clarity on their mission, focus on living out their purpose and a plan to achieve their goals.

Slogan The Power Is Now

The phrase “the power is now” suggests that The vision of the Power is Now is to be we maximize our potential for success in the number one source for information, business and life when we act on information expertise and motivation for all real estate and opportunities now. The present is our professionals, business executives and future because the future is only a reflection consumers in the United States and the world. of past decisions to act now.

Our vision is to empower people to take their personal development, goal achievement, and productivity and profitability to the highest level of their capability.

“We are at our best and we maximize our success when we act now”. is our slogan or theme or mantra of the Power Is Now Inc.

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POWER COACHING

Philosophy The philosophy of the Power is Now is transferred from the top of the organization to every element of the business. Each task and effort to the organization is funneled through the focus philosophy, C.E.O.

Clients:

Council clients to be better informed so that they are empowered to make better business decisions.

“The better decisions one makes, the more successful one becomes.”

Expectations:

Exceed clients’ expectations in regards to quality, delivery, and value.

“Failure is not an option.”

Organization

Orchestrate the internal vision, direction and operations of the Power is Now organization so that it is sustainable through efficient strategic planning.

“We will have victory through continuous improvement.”

Value “Providing excellent service brings our clients outstanding results”.

The Power is Now organization is established as the premiere executive organization for consumers, real estate professionals and business owners’ success. When a client experiences the value offered within the Power is Now, they are extremely satisfied by excellent service and results they receive. The consultants within the Power is Now team are all trained and expected to go above and beyond what is expected of them. The philosophy of the organization is built upon the foundation of putting clients first.

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POWER COACHING

Position for Growth The position for growth of this organization is to leverage the prestige and expertise acquired by the founder. In addition, there is a strong internal understanding of the organization’s customers, competition and industry.

The Power is Now is focused on business development efforts of professionals who are in real estate, are business owners, or both. By understanding clearly our target market real estate professionals, the organization is positioned for growth by meeting the needs of individuals within this category.

Goals and Objectives The Power is Now strives to shoot for the S.K.Y. in regards to its goals and objectives.

S

K

Y

The Power is Now will satisfy the national market need of full comprehensive consulting services and education programing services

The Power is Now will build itself in a way that allows for future growth under its branding. There are plans of expansion of other products and services and joint ventures, licensing of name and special events

The Power is Now team has the right people in place that understand the vision of the founder, and are able to implement and execute. The power team for the Power is Now Inc. also has the ability to deliver measureable results and meet goals.

atisfaction Guaranteed

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eep it going, and growing

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es we can attitude

POWER COACHING

The Power Consulting services are designed to take the clients’ vision, performance and profitability to the next level. These services are derived from years of expertise, experience and education of the founder of the organization and its business consultants.

BENEFITS

Real estate agents, brokers, entrepreneurs and small business owners benefit from having a Power Coach™ for many reasons. They are as follows:

• A fresh perspective on a problem or business issue.

These services offer an unbiased point of view.

• An objective assessment of the situation and help to define possible outcomes.

• A critique of how well a business is doing.

• Project deliverables done faster and skillfully, at a lower cost than in-house staff.

• There never seems to be enough time to do everything in a day that is desired.

• There is a lack of practical “how to” experience and knowledge to get the business to the next level.

• Clients always seem to be working “in” the business as opposed to “on” it.

• It is hard to find and train people who can take over some of the most time consuming tasks.

• Clients are constantly worrying about their business.

• The balance between work, fun and family is not where it could be.

• Clients do not have experienced support to bounce things off or brainstorm with.

• Clients sense that far more could be accomplished if they only had access to the knowledge and support of an experienced business person.

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Strategic Planning

Financial Planning

The enterprise oriented services of Power Coaching™ involve identifying the longterm goals for a business, or segment within the business, and formulating realistic strategies for reaching those goals. In consulting sessions, the Power Coach™ works with clients to help them decide what objectives to pursue during a future period, and what actions to undertake to achieve those objectives.

Financial Planning assists business owners in defining their organization’s financial road map, and show how to allocate its resources to achieve its business objectives. Prudent budgeting is required to accomplish goals.

Strategic Planning sessions are concentrated on time and effort towards a systematic approach to answering three basic, important questions: 1. Where is the business enterprise today?

2. Where does the business want to be in the future?

3. How can the business accomplish this?

These services allow companies to control their expenditures and allocate resources to maximize profits, and demonstrate that they have a plan for where they are going.

Examples of financial planning topics include: • Budgeting • Accounting • Financial vitality Marketing strategies • Marketing plan, schedule and budget • Sales forecasting • Brand and image solidarity Human Resource& Management Strategies • • • • • •

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Compensation Benefits Recruitment/team building Production—getting results Operations Conducting effective meetings

POWER COACHING

Leadership Coaching Leadership Coaching is for executives, leaders, and those who are looking to go to the next level. Power Coaching™ provides experienced support to leverage clients’ strengths. Coaches assist in acquiring the competencies, confidence and presence needed to dramatically increase clients’ leadership effectiveness.

Power Coaching™ is the answer for addressing different leadership models, leadership skills, positive psychology, team building, communication and emotional intelligence competencies.

Power Coaching™ helps clients to discern the core issues behind their business and personal plateaus. The outcome leads to achievement of powerful, lasting and satisfying results.

One must first believe in themselves before they can gain the confidence of others.

Power Coaching™ is about empowering clients so that they realize and achieve their own desired level of success. These services are designed for clients to work with consultants in areas where they could improve when it comes to leading others.

Overall, Power Coaching ™ helps professionals move past their blind spots.

These services produce winners who master the leadership, communication and emotional intelligence competencies they need to have a greater impact in their organizations.

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Power Coach TM Programs offer: • • • •

Online or Telephone Power Coaching Clarity of Vision Set clearly defined goals Develop actions plans to achieve the goals • Receive support to take action • Serious accountability with Power Coach & others • Online/telephone coaching programs are weekly, biweekly and monthly programs

POWER COACHING

Management Coaching

Personal Development Coaching

Management Coaching is for managers looking to go to the next level. These services provide experienced support to leverage managers’ strengths and acquire the competencies, confidence and presence needed to dramatically increase effectiveness.

Personal Development Coaching is for those who are considering some changes in their life, career or business. Working with a Power Coach TM makes a huge difference.

Power Coaching™ is the answer to managers mastering the use of their time and to take a more strategic view.

Managers learn how to develop and communicate a compelling vision for their team.

Power Coaching™ teaches how to coach, delegate and empower teams towards extraordinary performance.

Managers learn to thrive in change or transition, and learn to appreciate their own unique strengths and walk the talk of management.

Skills to better manage elevated levels of stress, and operate from a more effective, sustainable, strategic, and inspired place are all obtained in Power Coaching™ sessions.

In the end, Power Coaching™ helps managers to establish optimal work/life integration and provides an environment for growth. Managers will evolve and generate transformational results personally and professionally.

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At the beginning of these sessions the Power Coach TM will always focus on what is most important to each client, and find the most natural and effortless way to make the breakthroughs. Clients will quickly get clear on the best outcome for them.

The Power Coach TM and client will also create a plan, develop priorities, and then begin to close the gap.

In the middle of coaching, the Power Coach TM helps clients discover their unique gifts and talents; what they are most passionate about. These sessions identify the key strengths that contribute the most to success. Clients will know what holds them back the most.

At the end of coaching, clients will find that they are better aligned in their own strengths and passions. This overflows to their career, vocation or business model.

Power Coaching ™ makes clients much better and gets them more meaningful results.

POWER COACHING

Business Concierge Services The Power is Now Business Concierge services meet clients’ immediate needs. These services assist clients in getting their everyday tasks done by the end of the day; task which they would not usually have time for. The Power is Now Team has many talents and skills that are very useful in the everyday life of professional clients.

The Power is Now Business Concierge Services employs virtual assistance for this program.

Employees are U.S. Citizens and overseas and will work in clients’ directly to take care of many task that do not require someone to be in the office.

Client’s partner with Power is Now Business Concierge Services for a flexible, reliable workforce. Whether they need temporary employees for a day or an entire area staffed long-term, Power is Now Business Concierge Services provides trained Sales Assistants, Administrative Assistants and Event Managers are ready to add value to any business.

Hiring Power is Now Power Business Concierge Services for sales assistance an administrative assistance gives the freedom to focus on core business activities, saving clients time and money. Hiring an Event Manager with Power is Now Business Concierge Services put clients’ minds at ease to know that the event is being managed by professionals who will see to every detail. Clients are able to focus on their core business and leave the event up to the Power is Now Business Concierge professionals.

The Business Concierge Services are divided into six categories. The services and Categories are listed below.

• • • • • • • •

Sales Assistance Telemarketing Appointment setting Database management Supply list of target market leads Develop sales presentations Call guests to rsvp to meetings Draft sales, thank you or recruiting letters

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POWER COACHING

Business Concierge Services

Social Media Support:

Administrative Assistance:

Set up a virtual phone number Set up and manage Tweeter account Set up and manage Linked-In account Set up and manage blogs Set up videos for website and YouTube Design and send a virtual newsletter

Courier services Stuff envelopes Data Imput Filing Send faxes Answer calls Manage calendar

Brand development services:

Job search services:

Design fliers Design business cards Design note cards and branded holiday cards Power point slides Logos Design T-shirts Design promotional items

Resume critique Job search identity critique Desired career path needs assessment Resume writing Resume distribution Assist with online applications

Event planning services: Design invitations—online and mail Call people to rsvp to event Design gifts for guests Stuff goodie bags for events Help set up and clean up event Assist with hosting and planning mixers and networking events Decorate for events

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Website Support: Website development Website hosting Search Engine Optimization (SEO) of websites Website maintenance

POWER COACHING

ENTREPENEURS | BUSINESS CONSULTANT • Monthly $1500.00 month 1.25 hours per week.

Strategic Planning

Business Planning

Marketing Strategies

Human Resource Strategies & Management • All consulting is 100% satisfaction guaranteed. 100% paid in advance.

• Deliverables Fee base plans:

Business Plan

Marketing Plan

Recruiting Plan

S.W.O.T Analysis

Strategic Plan

If you are an agent or broker, Entrepreneur, or small business owner you need a Coach for the following reasons:

• There never seems to be enough time to do everything you want to.

• You lack the practical “how to” experience and knowledge to get your business to the next level.

• You always seem to be working “in” the business as opposed to “on” it.

• It is hard to find and train people who can take over some of the most time consuming tasks.

• You are constantly worrying about your business.

• Your balance between work, fun and family is not where you want it.

• You don’t have experienced support to bounce things off or brainstorm with.

• You sense far more could be accomplished if you only had access to the knowledge and support of an experienced business person.

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POWER COACHING

PERSONAL | POWER COACHING TM • Monthly $1500.00 month 1.25 hours per week.

Leadership coaching

Management coaching

Personal Development coaching

Goal setting & Accountability • All consulting is 100% satisfaction guaranteed. 100% paid in advance.

Personal Development Coaching • If you are considering some changes in your life, career or business, working with a Power CoachTM can make a huge difference.

• At the beginning of Coaching, we will always focus on what’s most important to you, and find the most natural and effortless way to make the breakthroughs you want. We will quickly help you get clear on the best outcome for you, create a plan, develop priorities, and then begin to close the gap.

• In the middle of coaching, we help you discover your unique gifts and talents; what you’re most passionate about, what are the strengths that contribute the most to your success and what holds you back the most?

• At the end of coaching, our mutual experience through coaching will answer many questions so that we can better align your strengths and passions to your career, vocation or business model - and help you get much better and more meaningful results. That is Power CoachingTM.

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POWER COACHING

NON-PROFIT CONSULTING | POWER COACHING TM • Monthly $1500.00 month 1.25 hours per week.

Non-profit Organization Consulting

501(c) Tax Exemption

Web Design & Graphic Design

Strategic Planning

Business Planning

Recruiting Planning

S.W.O.T. Analysis

Homeownership Program Development & Planning

Fundraising Program Development & Grant writing assistance

Corporate Sponsorship Campaign Development

Board Governance Assistance

Branding and Marketing Strategies and Services

Human Resource Strategies & Management • All consulting is 100% satisfaction guaranteed. 100% paid in advance.

• Deliverables are fee base plans:

Business Plan

Marketing Plan

Human Resource & Recruiting Plan

S.W.O.T Analysis

Strategic Plan

Reasons to hire a consultant: • There is no one on staff with the expertise or the time to do everything that needs to be done • There is gap in the practical “how to” experience and knowledge to take the non-profit to the next level • Everyone on the board or staff is working “in” the business as opposed to “on” the business • It is hard to find and train people who can take over some of the time consuming tasks • You need an expert to bounce things off or to brainstorm business strategies • More could be accomplished if had access to the knowledge and support of an experienced business person

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POWER COACHING

LEADERSHIP | POWER COACHING TM • Monthly $1500.00 month 1.25 hours per week.

Leadership coaching

Management coaching

Personal Development coaching

Sales and Accountability coaching

Goal setting and Accountability • All coaching is 100% satisfaction guaranteed and is paid in advance.

• Payments made quarterly receive a 10% discount.

Leadership Coaching

• Are you an executive, leader, or aspiring leader looking to go to the next level?

• Are you looking for experienced support to leverage your strengths and acquire the competencies, confidence and presence you need to dramatically increase your effectiveness? Then Power CoachingTM is the answer.

• We will address different leadership models, leadership skills, positive psychology, team building, communication and emotional intelligence competencies.

• We will help you discern the core issues behind your business and personal plateaus, and achieve powerful, lasting and satisfying results.

• We will help you master the leadership, communication and emotional intelligence competencies you need to have a greater impact in your organizations.

• We will help you move past blind spots.

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POWER COACHING

MANAGEMENT | POWER COACHING TM • Monthly $1500.00 month 1.25 hour a week.

Leadership coaching

Management coaching

Personal Development coaching

Goal setting & Accountability

Sales and Accountability coaching • All coaching is 100% satisfaction guaranteed and is paid in advance.

• Payments made quarterly receive a 10% discount.

Management Coaching • Are you an Manager looking to go to the next level?

• Are you looking for experienced support to leverage your strengths and acquire the competencies, confidence and presence you need to dramatically increase your effectiveness? Then Power CoachingTM is the answer.

• We will help you master the use of your time and take a more strategic view.

• We will help learn how to develop and communicate a compelling vision for your team.

• We will help you learn how to coach, delegate and empower their teams towards extraordinary performance.

• We will help you thrive in change or transition.

• We will help you appreciate your unique strengths and walk the talk of management.

• We will help you learn to better manage elevated levels of stress, and operate from a more effective, sustainable, strategic, and inspired place.

• We will help you establish optimal work/life integration.

• We will help you grow, evolve and generate transformational results personally and professionally.

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POWER COACHING

EVENT MANAGEMENT | POWER COACHING TM • Customize Pricing for each event.

• Hire the Power Is Now Team to develop and execute the plan.

Leadership meetings

Management meetings

Sales meetings

Special events • All Event Planning is 100% satisfaction guaranteed and is paid in advance.

Event Management

• Hiring a Event Manager with the Power Is Now will enable you to put your mind at ease to know that the event is being planned and managed to by professionals who will see to every detail. You can focus on your core business and leave the event up to us.

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Eric Lawrence Frazier, MBA “We are at our best and we maximize our potential for success in business and life when we act on information and opportunities now. The present is our future because the future is only a reflection of past decisions to act now.”

Eric Lawrence Frazier, MBA

Eric Lawrence Frazier, MBA President and CEO The Power Is Now, Inc. Corporate Headquarters 3739 6th Street Riverside, CA 9501 Office: 800-401-8994 x 703 Direct: 714-361-2105 Skype: frazier.eric Email: eric.frazier@thepowerisnow.com Website: www.thepowerisnow.com To schedule an interview contact:

Kendra Gedeon, Executive Assistant to Eric L. Frazier MBA, President & CEO Office: 800-401-8994 ext. 715 Skype ID: kj4everblessed2 Email: kendra.gedeon@thepowerisnow.com

Mr. Eric Lawrence Frazier MBA (NMLS 461807) is the President and CEO of the Power Is Now Inc. (CAlBRE 1980407 |NMLS 1435243) The Power Is Now is a multimedia company and real estate sales and lending firm that specializes in real estate education for consumers and real estate professionals in the acquisition, sales, rehabilitation and development of real estate nationwide. The education is disseminated through Online Radio and live online video conferences nationwide on (www.thepowerisnow.com) and www.blogtalkradio. com/thepowerisnow) every day. He is also the Publisher and Editor in Chief of The PIN Magazine which is a real estate Magazine and online magazine which debuted Sept. 1, 2013.

Mr. Frazier has over 25 years of experience in real estate as a licensed California Real Estate Broker (#01143484). He is currently the President of the Orange County Realtist (www. ocrealtist.org) which is a chapter of the National Association of Real Estate Broker’s also known as NAREB (www.nareb. com), and a director of the California Association of Real Estate Brokers (www.careb.org). Mr. Frazier is also a nationally known mortgage lending professional with 33 years of sales management, underwriting, operations, and marketing.

Mr. Frazier is a graduate of Redlands University in Redlands California. He has a MBA with an emphasis in Finance and a BS in Business Administration and Management. He is a teacher at University of California Riverside and teaches E-commerce, and lectures on the US Mortgage Crises to international business and political leaders from abroad. He and his wife are founders of Frazier Group Reality in Riverside, CA a full service Real Estate Company (www.fraziergrouprealty.com) a family owned and operated real estate firm. He is on the board of directors of Riverside Fair Housing Council. He is a former Vice President of Orange County National Association of Hispanic Real Estate Professionals, former Advisory Board member of the Orange County Asian Real Estate Association of America Orange, Advisory board member of the Black Chamber of Commerce in Orange County, director of Project Tomorrow (www.tomorrow.org) a national education nonprofit, Member of the 100 Black Men of Orange County and the NAACP in Orange County.

Eric Lawrence Frazier, MBA

He is the past President of the African American Association of REO Brokers and a current member.

He is also a member of REOMAC (www.reomac.com), the Pacific West Realtors Association of Realtors, Orange County Association of Realtors, the California Association of Realtors (CAR), the National Association of Realtors (NAR), the Women Council of Realtors, a member of the National Association of Mortgage Brokers, the Past President and current directors of the State of California African American Museum(www.caamuseum.org) and former Pastor of the North Fontana Church.

Mr. Frazier is also an author, singer, poet, and songwriter. He is a blogger, motivational speaker, business consultant and coach for profit and non-profit companies and Community Leader. He enjoys golf, running and jazz music. Mr. Frazier strives to be a role model for others African American young men and enjoys mentoring and coaching adults. His greatest accomplishment is being married to the love of his life for 33 years and being the father of 4 daughters. His three oldest daughters have master degrees in management and business and the youngest daughter who is in her sophomore year at Cal Poly. All of Mr. Frazier’s accomplishments and associations can be found on LinkedIn.

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Eric Lawrence Frazier, MBA

Resume Business Objective To utilize my education, skills, training, and real world experience to help companies, teams and individuals grow and achieve their full potential in Real Estate and Mortgage Banking.

Professional Experience Aug. 20 2009 to Present The Power Is Now, Inc. Riverside, CA President/CEO The PIN Radio & TV The Power Is Now Radio & TV is an Online Radio & TV network from which a series of teleconferences and videos are created to empower, inspire and educate consumers and real estate professional about changes in the world of real estate, banking, finance, marketing, economics, government and anything else that can give real estate professionals and consumers the tools they need to be successful. Currently averages over 40k listeners a month.

The PIN Magazine The Power Is Now e-Magazine is a national real estate and lifestyle magazine, bringing together each state’s communities of consumers and the real estate, banking, insurance and investment professionals who serve them, through smart, fun, and timely editorial content, compelling photographs and quality advertising. The magazine prototype was launch 9/29 at the AREAA National Convention The PIN Real Estate Services The Power Is Now real estate services is a full service real estate firm specializing in all aspects of residential and commercial real estate sales and. asset management. The firm’s mission is to provide individuals, companies, private equity placements, hedge funds and banks with comprehensive strategic investing in residential, commercial, RMBS, CMBS and multi-family residents. The asset management division is led by Vice president and Director, Timothy Turner.

Mr. Turner has over 25 years of background in financial consulting and private asset management

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Eric Lawrence Frazier, MBA

The PIN Mortgage Services The Power Is Mortgage Services is a full service mortgage brokerage with many funding relationships with mortgage banks and commercial banks in the US. The PIN mortgage services is able to assistant first time home buyers, move up buyers, investors and non-profit and for-profit businesses in obtaining the financing they need to acquire land, residential or commercial real estate. The division is led by Eric L. Frazier founder of the Power Is Now and corporate broker.

The PIN Technology Services The Power Is Now Technology services is a technology company specializing in website development and maintenance, social media customization and management, online radio and e-magazine development, mobile applications, database development and management and CRMS for real estate professionals and business in general. This division is led by Nicholas Clarkson who brings 10 years of technology management and development.

The PIN Business Consulting Services The Power Is Now Business Consulting specializes in non-profit and for profit companies who provide services of any kind and/or sale products and programs. We create business and marketing plans, SWOT analysis, market studies, sale training, brand and marketing strategies, recruiting and Human resource management, operation management and development of systems and processes to succeed in business. The division is led by Eric L. Frazier MBA and Founder and a team of MBA consultants who work on the projects.

January 2, 2014 to December 2, 2014 INTERCAP LENDING, ALISO VIEJO, CA National Sales Manager

Responsible for national mortgage production from various sources including realtors, builders, and financial professionals through the real estate network of the Power Is Now Inc. To establish MSA’s with key real estate brokers that are part of the Power Is Now network in each of the states that Intercap Lending is licensed to do business.

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Eric Lawrence Frazier, MBA

Oct. 27 2012 to Aug. 1, 2013 PRIMELENDING, CORONA, CA Production Manager

Responsible for personal mortgage production; solicitation of residential mortgages from various sources including realtors, builders, financial professionals, past customers and other nontraditional sources. My priority is building my personal production for next 12 to 24 months before I start building a team of HMC’s to manage. As a manager I am responsible for managing, coaching, and motivating a staff of Home Mortgage Consultants (HMC) to meet sales production goals; ensure that HMC staff is compliant with Prime Lending Home Mortgage standards, regulations, and policies related to loan production.

June 16, 2008 to March 30, 2012 WELLS FARGO BANK, LA HABRA, CA Assistant Vice President and Branch Manager Responsible for loan production and operational compliance for the North Orange County Markets La Habra Home Mortgage Center. Manage and approve all underwriting and appraisal arbitrations. Develop and maintain a thorough understanding of the lending territory and market. Conduct weekly sales training and accountability meeting for sales staff. Responsible for directing and managing the sales activities of the branch so that efficient customer service is provided and quality loans are generated. Responsible for managing, coaching, and motivating a staff of Home Mortgage Consultants (HMC) to meet sales production goals; ensure that HMC staff is compliant with Wells Fargo Home Mortgage standards, regulations, and policies related to loan production; Responsible for personal mortgage production; solicitation of residential mortgages from various sources including realtors, builders, financial professionals, past customers and other nontraditional sources.

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Eric Lawrence Frazier, MBA

Jan 97-June 15, 2008 WASHINGTON MUTUAL, BUENA PARK, CA Vice President and Senior Loan Center Manager Responsible for loan production and operational compliance for the Brea, Buena Park, La Habra and formally two Santa Ana satellite Home Loan Centers. Consistently exceed annual production goals in all categories. Average funded volume over 1 billion dollars per year from 2003 to 2007. Develop marketing strategies, presentations and business development for the entire sales team. Assure compliance with prescribed operational procedures and standards. I was an instrumental member in the development of lending practices, procedures, operational goals for the Loan Centers. Assure optimum application of loan standard and utilization of all resources. Manage and approve all underwriting and appraisal arbitrations. Develop and maintain a thorough understanding of the lending territory and market. Conduct training meetings and certification for Fair Lending, ECOA and HMDA regulations. Conduct weekly sales training and accountability meeting for sales staff. Participate in quarterly home improvement shows and business expositions.

Conduct monthly Realtor seminars for 80 to 100 Realtors. Established Santa Ana Caravan and Marketing Session for Realtors called Rally and Ride Inc. May 95-Nov 97 HOME SAVINGS OF AMERICA, IRWINDALE, CA Consumer Lending Regional Manager

Took the leadership role in the start-up operation of the Consumer Lending Sales Division for Home Savings; Accountable for overseeing the Consumer Lending activities of 30-35 Financial Centers. Accountable for training, and cross-training of existing Financial Center managers and CLO’s. Acting liaison between Group Sales Directors and the Consumer Lending Division Manager. Hired and trained Community Lending Officers in each Financial Service Center. Set goals and completed evaluations on FC lending activity and Consumer Loan Officer’s productivity. Funded 10-15 million per month in consumer loans in territories ranging from South Orange County to San Bernardino County.

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Eric Lawrence Frazier, MBA

Aug 94-May 95 HOME SAVINGS OF AMERICA, PASADENA, CA Assistant Vice President and Assistant Loan Manager

Loan Authority for 1st trust deeds and open end loans. Managed Home Loan Centers all over Los Angeles County. Managed all phases of operations, underwriting, and originations.

Managed sale of R.E.O.’s from start to final disposition of the properties. Reviewed and assured accuracy of appraisals, and the adherence to compliance rules and Bank policies.

Participated in community and charitable events and to foster sales and promote the Home Loan Center. Effective and efficient in underwriting and reducing turn around time of all loans. Provided support, guidance, counseling, and training for the Loan Consultant in marketing, territory management, and underwriting techniques; provide support for Realtor and Broker office presentations. Prepared monthly management sales report for senior management.

Mar 92- Aug 94 FIRST FIDELITY FINANCIAL, MONTCLAIR, CA Mortgage Banker and Broker, President/CEO

Hired and developed 40 Loan Officers who funded an average of 10 million a month.

Interfaced with various investors and lending institutions. Negotiated special pricing, volume incentive, and lines of credit with various investors. Developed a variety of lending programs, pricing, loan production, and statistical data reports. Managed all Human Resources matters including employee evaluations. Prepared budgets and monitored budget variances. Assisted Agents in developing business plans and strategies for success.

Established lending territories for branches and Loan Agents. Developed training programs for Loan Officers and Sales Management. Successfully developed various company policies regarding personal and production goals for all staff. Responsible for HUD and D.R.E. audits, trust accounts, and federal regulatory issues. Coordinated efforts of Marketing and Advertising Departments for sales support and marketing collateral.

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Eric Lawrence Frazier, MBA

Aug 90-Mar 92 GREAT AMERICAN MORTGAGE, RANCHO CUCAMONGA, CA Mortgage Banker and Broker, VP Manager Hired and developed 30 Loan Officers who funded an average of 15 million a month.

Established various funding sources and warehouse lines for FHA & VA loans, as well as a wholesale department and funding sources for 4-party originations. Oversaw administrative and production activities of Loan Agents, and the recruitment and training of underwriters, processors, and funders. Coordinated marketing and advertising departments’ efforts for sales support and marketing collateral. Implemented marketing and advertising strategies.

Developed training and motivation programs for Loan Agents. Oversaw Human Resources matters including employee evaluations. Directed budget preparation; monitored budget variances, loan production and statistical data reports. Directed the development of business plans and strategies for market segmentation and penetration. Assured all compliance and regulatory issues, responded to HUD and D.R.E. audits, and was responsible for all community involvement and speaking engagements.

Feb 89-July 90 SECURITY PACIFIC FINANCIAL SERVICES, INC. SANTA ANA, CA Consumer Finance Lender, Branch Mgr/Wholesale Executive Had loan approval authority to $300,000. Implemented marketing and advertising strategies.

Prepared budget and investigated budget variances and compliance. Managed underwriting and gave final approval of all real estate and consumer loans. Purchased Funded Receivable accounts throughout California, sold Finance dealer accounts with many retail establishments, and wholesale accounts with Mortgage Bankers and Brokers.

Trained Customer Service Representatives and Credit Managers. Supervised he processing, underwriting, and quality control of all transactions. Supervised the collection, selling, and discounting of delinquent loans and R.E.O.’s. Formulated marketing proposals for senior management approval and implementation.

Interfaced with subsidiary Security Pacific National Bank for real estate and consumer loan referrals. Responsible for all community involvement and speaking engagements.

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Eric Lawrence Frazier, MBA

Dec 85-Jan 89 PRIMERICA FINANCIAL SERVICES, UPLAND, CA Insurance, Mortgages, and Investments, Regional Mgr/Part-Time

Recruited and licensed 50 full-time and part-time insurance agents monthly. Implemented marketing and advertising strategies. Developed training and motivation programs for insurance agents. Managed telemarketing operations including training materials and marketing collateral. Conducted weekly group presentations for 150-200 individual for investments, insurance, or employment opportunities in the industry.

Participated in area-wide and statewide meeting as trainer and motivator. Supervised analysis of various insurance programs for replacement and application for pre-underwriting.

Supervised production and approval of investment planning and insurance proposals.

Provided guidance and assistance to other offices on sales strategies and productivity.

Consistently in top 5 in region and in top 20 in the state as an agent and recruiter.

Jun 82-Apr 87 NORTHWEST FINANCIAL, MONTCLAIR, CA Consumer Finance Leader, Branch Mgr Responsible for directing the profitable day-to-day branch operations. Loan committee, authority to $300,000. Managed underwriting and final approval of all real estate and consumer loans. Developed sales dealer’s accounts with various retail establishments, and sources for home improvement loans; purchased second loans. Trained Customer Service Representatives, Assistant Managers and Credit Managers. Implemented marketing and advertising strategies. Responsible for budget preparation and monitoring of budget variances, as well as loan production and statistical data reports. Responsible for all compliance and regulatory issues. Supervised the selling, processing, underwriting, and quality control of all transactions, collection, and discounting of delinquent loans and R.E.O.’s.

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Eric Lawrence Frazier, MBA

Education UNIVERSITY OF REDLANDS, Redlands, CA, Graduate MBA – Finance Emphasis UNIVERSITY OF REDLANDS, Redlands, CA, Graduate BSBM – Business Administration & Management UNIVERSITY OF LA VERNE, La Verne, CA, Accelerated Program, Major: Religion ACCREDITED LICENSE SERVICE, Brea, CA, Accelerated Courses: Real Estate Appraisal; Real Estate Escrow; Property Management CHAFFEY COLLEGE, Alta Loma, CA, Major: Undergraduate Courses: Real Estate Principles; Real Estate Practice; Real Estate Escrows; Real Estate Finance; Legal Aspects of Real Estate CAL STATE SAN BERNARDINO, San Bernardino, CA, Major: Chemistry/Physics- Undergraduate

Aug 06 - Jul 08 Nov 02 - June 06 Winter 94 -Jun 95 Mar 93 - Mar 94

Winter 91 - Jan 03 Fall 80 - Spring 81

Continuing education in economics and real estate trends through seminars, trade literature, and communication with peers.

Licenses Formerly Held • • • •

Life and Disability Insurance Fire and Casualty Solicitors License California Notary Public Real Estate Agents License

Licenses Currently Held • Real Estate Broker License (01143484) • NMLS Mortgage License (461807)

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Eric Lawrence Frazier, MBA

Affiliations • Past President/Chairman of the Board of Directors for the California African American Museum www.caamuseum.org • President of the Orange County Association of Real Estate Brokers. www.ocrealtist.org • Board of Directors of Fair Housing Council of Riverside, http://fairhousing.net/ • President/Chairman of the Board of Directors for the North Fontana Church of Christ Inc. • President of the Power Is Now Ministry, a division of the North Fontana Church of Christ Inc. • Member of the Board of Directors of Project Tomorrow a National Education of Non Profit Organization www.tomorrow.org • Past Advisory Board member of Open Door Institute www.opendoorinstitute.org a real estate trade organization • Advisory Board of Directors of the Black Chamber of Commerce in Orange County www. ocblackchamber.org • Member of the National Association of Hispanic Real Estate Professionals www.nahrep.org • Member of the Asian Real Estate Association of America. www.areaa.org • Member of the National Association of Real Estate Brokers. www.nareb.com • Member of the California Association of Real Estate Brokers. www.careb.org • Member of the Pacific West Realtors Association of Realtors www.pwaor.com • Member of the California Association of Realtors www.car.com • Member of the National Association of Realtors www.nar.com • Member of the Orange County Women’s Council of Realtors www.womenscouncil.info • Member of the NAACP of Orange County. www.naacpoc.org • Member of the Open Door Institute. www.opendoorinstitute.org • Member of REOMAC. www.reomac.com • Member of the Black MBA association • Member of the Board of Directors of The Friends Foundation the fund raising arm of CAAM • Member of the 100 Black Men of Orange County www.100bmoc.org • Member of the National Association of Mortgage Brokers - www.namb.org • Past President of the African American Association of REO Brokers.

• Former member of the Advisory Board of Asian Real Estate Association of America of Orange County • Former Member of the Board of Directors for the Pacific West Association of Realtors Charity Foundation http://www.pwaor.com/PWRCharityFoundation/CharityFoundation.aspx • Former Member of the Board of Directors of the Orange County NAHREP Chapter www.ocnahrep.org • Former Member of the Brea Chamber of Commerce • Former Member of the Corp. Advisory Board of the Asian Business Association of LA County www.abaoc.org • Former Member of the Anaheim Chamber of Commerce • Former Member of the Board of Directors of Diamond Bar Chamber of Commerce

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Eric Lawrence Frazier, MBA

Business Interests/Affiliations • The Power Is Now Online Radio www.blogtalkradio.com/thepowerisnow | www.thepowerisnow.com • Frazier Group Realty Inc. www.fraziergrouprealty.com (Family Real Estate Co.)

Social Media and website • • • •

http://www.linkedin.com/in/ericfrazier http://www.facebook.com/thepowerisnow http://www.facebook.com/powerisnow http://www.twitter.com/thepowerisnow

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Eric Lawrence Frazier, MBA

Summary of Qualifications • With 33 years of strong and diverse experience in progressively responsible positions in sales and management.

• Strong background includes: Sales, Management, Cost Center Responsibilities, Underwriting, Loan Processing, Operations, Human Resources, Customer Relations, Training and Developing Loan Consultants, Business and Marketing Plans.

• Extensive knowledge in all types of mortgages – fixed to variable, purchase and refinance transactions, FHA and VA, City and Government Down Payment Assistance Programs.

• Expertise in market segmentation; development and implementation of winning sales strategies; establishing realtor relationships and conducting investor and realtor seminars.

• Extensive knowledge of Federal lending, compliance laws regarding the underwriting and origination of residential and consumer loans.

• Expertise in training and compliance to laws relation to Consumer privacy, ECOA, HMDA, Fair Lending loan servicing, federal regulation regarding disclosure, underwriting and loan originations.

• Proficient in building strong business relationships, identifying needs, and networking with other business partners for solution development, project management, special training projects, training design and implementation.

• Active and cooperative management team member with input into planning, budgeting, forecasting, sales strategies and policy decisions.

• Active and cooperative management team member with input into planning, budgeting, forecasting, sales strategies and policy decisions.

• Excellent communication and interpersonal skills; interact well with staff at all levels, and with groups of wide social, cultural, and educational diversity.

• Hire, train and supervise dynamic and aggressive sales professionals; develop enthusiastic and efficient teams; able to develop each individual to achieve their highest potential.

• Effective trainer and public speaker: • Teach and practice proven sales and promotional techniques.

• Address small and large groups for sales, motivation, business presentations and prospecting.

• Develop loyal business partner relationships and easily gain the confidence of others.

• Analytical; able to make complex technical concepts understandable; creative vision; strong writing skills; professional, with a strong work ethic and commitment to excellence.

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Eric Lawrence Frazier, MBA

Outstanding Record of Achievement • • • • • • • • • • • • • • • • • • • • • • • • • • • • •

Ranked number one in % of Purchase business in North Orange Market 2011 – 41% Ranked number three in units and volume in the So Cal Metro Area - 2010 Ranked number one in Units and Volume in the So Cal Metro Area – 2009 Ranked number one in So Cal Area as BM in Personal Production – 25 million 90% Pur. Vo. – 2009 Highest customer service scores in the branch in personal production - 2009 Presidents Club Award – 2004, 2005, 2006 and 2007 National Home Loan Center Manager of the Year for 2006 Ranked Number One in Units and Volume production in the Orange/ San Diego Region in 2004, 2005, 2006 and 2007 Ranked third in Southern Area and the nation on overall production from 2004 to present Wrote and presented an Adjustable Rate Mortgage Presentation at the Spring Campaign 2004 Washington Mutual Impact Player of the Quarter for the 1st Quarter 2003 Southern Area Home Center of the Month 2/07, 11/07 in the Southern Region Home Center of the Month 6/06, 9/06, 10/06, in the Southern Region Home Center of the Month 3/05, 6/05, 9/05, in the Southern Region Home Center of the Month 1/04, 2/04, 3/04, 4/04, in the Southern Region Home Center of the Month 2/03, 3/03, 4/03, 12/03 in the Southern Region Home Loan Center Goal Achievements, 2000 and 1999, 20 Million Dollar Club, 3/99 Top Recruiter for Orange County Region 2003 to present Named Top Recruiter for the Los Angeles Central Region for 1999 and 2000 Mortgage Training Certification in FHA & VA Financing, 11/00 and 6/97 Extraordinary Sales Leadership, 2000 Certification, Cohen Brown Management Group, 1/99 Leadership Skills Masters Program Certificate of Achievement, 11/99 Highest Percentage of Goal Achievement Awards, 11/99, 9/98, and 4/98 Resolution from Governor Pete Wilson for Religious & Community Leadership, 12/96 Resolution from President William J. Clinton for Religious & Community Leadership 9/96 Appointment and commission member to Board of Directors of the California African American Museum by Governor Arnold Schwarzenegger 10/06 Congressional Recognition for Exemplary Leadership in the Santa Ana Real Estate Community 8/06 Successfully revitalized the Anaheim HLC in 1997; oversaw the relocation to Brea and established a Diamond Bar satellite. The office has grown since 1997 funding an average of 4 million monthly to the current average of 95 million monthly Successfully managed Great Western and American Savings Bank for 8 months during their acquisition and integration by Washington Mutual, while increasing production and retaining current GW and ASB Loan Consultants

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