Committed To Preserving Financial Integrity Greenway Capital Management HEPLING CONSUMERS RESOLVE FINANCIAL CRISIS

Committed To Preserving Financial Integrity

Greenway Capital ManagementGreenway Capital ManagementHEPLING CONSUMERS RESOLVE

FINANCIAL CRISIS


Head quartered in Fort Worth, Texas, Greenway Capital Management specializes in providing “Holistic” solutions to financial problems. Our highest priority is to provide workable solutions that can help our clients and members meet their stated financial goals and objectives by utilizing proven techniques and specialized programs.

We employ superior techniques and strategies, specializing in mortgage, automobile, personal, student loans and credit card issues.

Our mission is to provide our clients and members with ethical and effective alternatives to foreclosure, bankruptcy, automobile repossession or charge-offs.

With our team of specialists, who are equally as important, we are dedicated to providing outstanding services that are unique in the personal finance industry.

About UsAbout Us


We provide viable financial resolutions that help our clients overcome financial disasters.

We do this by providing superior service, a team of highly trained specialists and dedication to our industry and clients.

We provide our clients with ethical and workable solutions to prevent or minimize damages to their financial integrity. Solutions that are tailored to fit each individual’s situation.

Our team of specialist are trained and mentored to use their skills, tools and education in order to provide effective solutions to all parties involved in a transaction.

What We Do


American Consumers Are Facing A Financial Crisis and Millions of Them Need Help!


This is not what we do!


About The FounderRay Williams the President and Founder is a pioneer in the loan

resolution industry.

Ray began doing loan workouts in 2002 as a way to help

consumers gain control of their finances. Upon realizing the

impact that he was having on those he was helping, Ray realized

that consumers across America were in desperate need of this

service.

He has 22 years of real estate and consumer finance experience. He has 22 years of real estate and consumer finance experience.

He has helped hundreds of consumers resolve financial problems.He has helped hundreds of consumers resolve financial problems.


Because: America’s economy is the most severe since the great

depression American consumers are $10 trillion in debt 1,064,927 consumers filed bankruptcy in 2009 800,000 job losses the 1st two months of 2009 Dairy prices up 4.4% in 2009 The price of milk increased 26% in 2009 The price of meat increased 6% in 2009 Bakery products up 4.6% in 2009 Just about every consumer’s way of life is being affected To help consumers avoid and recover from financial disasters

WHY WE DO IT


Our program is for those who not only want to Our program is for those who not only want to survive-but re-build and secure their financial futuresurvive-but re-build and secure their financial future..

We can helpWe can help anyoneanyone who is willing to following our who is willing to following our system.system.

We can help:We can help:– Avoid bankruptcyAvoid bankruptcy

– Prevent foreclosurePrevent foreclosure

– Increase credit scoresIncrease credit scores

– Decrease consumer debtsDecrease consumer debts

– Avoid creditors’ harassmentsAvoid creditors’ harassments

– Avoid automobile repossessionAvoid automobile repossession

Most importantly— we can help those who need it the most!Most importantly— we can help those who need it the most!


To help our clients avoid financial a To help our clients avoid financial a crisiscrisis

To help our clients maximize usage To help our clients maximize usage of their fundsof their funds

To help our clients avoid asset To help our clients avoid asset losseslosses

To help our clients manage debts To help our clients manage debts To help our client stabilize their To help our client stabilize their

financesfinancesTo help our clients build wealthTo help our clients build wealthTo help our clients maintain their To help our clients maintain their

financial integrity financial integrity

Our Goals


We work with creditors, mortgage servicers, and collection agencies to provide workable solutions for our clients and members.

Our services include: Loan Restructuring Programs Loan Modification, including...

Interest Rate Reduction Principal Reduction Re-amortization

Payment Extensions And More!!

We cut through the red tape and work with loss mitigation and collection departments to facilitate loan solutions.

Client service is a integral part of our mission with our own back office (we do not sub out work) and the capacity to add volume in order to accommodate consumers’ pressing need for assistance.

We Prove Workable Solutions


Wants to resolve their financial issues. Has a source of income or no income. Is delinquent on their loan payment(s). Has had a hardship or perceives there will

be a hardship in the future. Whose interest rate is adjusting causing

“payment shock” Is facing foreclosure or repossession. Has the desire and is willing to take action

to resolve their situation.

WE CAN ASSIST ANYONE WHOWE CAN ASSIST ANYONE WHO


A creditor might be open to modifying a terms and conditions of loans because the cost of doing so may be less than the cost of default. If a creditor takes back a home or automobile in a foreclosure or repossession, they have to maintain it, insure it, or sell it at loss.“

WHY CREDITORS ARE WILLING TO HELP CONSUMERS


According to Standard & Poor’s the cost of a foreclosure is a follows:

Expense Type Percentage

Interest Expense (% Of Loan Balance)

13.6%

Property Taxes (% Of Property Value)

4%

Legal Fees (Fixed Charges As A % Of Loan Balance)

1%

Broker Fees (% Of Property Value)

6%

Maintenance (Fixed Charges As A % Of Loan Balance)

3%

THE COST OF FORECLOSURE


Example: A borrower in a down market purchased their home in 2007 for $419,000 but their home is currently worth $283,000. If their creditor were to

foreclose on the property, they would incur a loss of $102,044

Expense Type Percentage Dollar Amount

Interest Expense (% Of Loan Balance) 13.6% $56,984

Property Taxes (% Of Property Value) 4% $11320

Legal Fees (Fixed Charges As A % Of Loan Balance) 1% $4,190

Broker Fees (% Of Property Value) 6% 16,980

Maintenance (Fixed Charges As A % Of Loan

Balance)3% $12,570

If the creditor is able to sell the foreclosed home at its current value, they would receive $283,000minus $102,044 which is $180,956

WHAT DOES IT MEAN?


Creditors are not the only ones facing expenses associated with foreclosures….The borrower faces loss in equity, moving expenses and perhaps legal feesThe neighbours face potential losses in equity from decreasing values in the neighbourhoodLocal government faces losses from diminished taxes and fees, and a shrinking tax base as home prices decrease. Losses are also incurred by unpaid fees for trash, sewer and water services.Foreclosure is the maximum negative affect on a person’s credit. A workout, if done correctly, has the potential to minimize this negative affect.

OTHER COSTS INVOLVE IN FORECLOSURE


If the creditor was willing to do a loan modification for the same If the creditor was willing to do a loan modification for the same borrower, say lowering the principal to $283,000, they would borrower, say lowering the principal to $283,000, they would eliminate the $102,000 cost and have an asset which produces eliminate the $102,000 cost and have an asset which produces income in the future..income in the future..

Current Proposed

Loan Balance $419,000 $283,000

Interest Rate 8% 5%

Term 30 year 30 year

Payment $3,074.47 $1,519.21

Interest EarnedOver Life Of Loan 0 $263,911.42

LOAN MODIFICATION GAIN TO A CREDITOR


Loan modification can be a complex process. Loan modification can be a complex process. Included in this process would be, at a minimum…Included in this process would be, at a minimum…

Financial WorkoutFinancial Analysis Letter of HardshipLoan Restructuring Proposals Establishing Relationships with creditorsCost Benefit Analysis for Creditors and more..

WHAT A LOAN MODIFICATION ENTAILS


Phone calls to creditors: An average modification includes 4 to 6 hours of phone time, the majority of which is spent on hold or being transferred.

Sending and verifying receipt of documentation: Documentation required by creditors to process a loan modification is generally sent by fax. Depending on the creditor, documents may have to be sent up to 4 times.

Conference calls between the creditor, borrower and modification company: Occasionally, the creditor will want to speak with the borrower directly. This may include coordinating with the borrower and creditor to schedule a mutually acceptable appointment time and possibly participating in the conference call.

The modification depends on the creditor timelines: The timeline for a modification varies from creditor to creditor, taking anywhere from 30 - 120 days from the time of implementation.

PROCESSING LOAN MODIFICATIONS


As an Independent Referral Agent (IRA) you will:

• Work your own hours from your home.

• Potentially earn $300 to $800 weekly part-time.

• Become part of a $300 billion consumer finance industry.

• Receive support from a Dedicated Mentoring Team.

• No selling, no recruiting, no experience, no talking to people and

no computer required.

• Join our team and receive all the benefits of having control of

your life.

• There is “Absolutely No Risk”.

Earn Extra Income With Us


As a Loan Resolution Specialist (LRS), your responsibilities will include:

Identifying & “QUALIFYING” potential clients Collecting all pertinent data from clients Collecting Initial Payments Submitting complete file to Greenway Capital Management, including

We Provide Complete training Unlimited support Complete marketing tools Mentoring Professional web-site Technical support Administrative support 6 Month 100% Money Back

Guarantee

This is a “Turn-key” business that offers individuals an opportunity to earn a tremendous income part or full-time. We provide complete training and support, and all the tools to start earning money within a few days.

No Experience Required General computer skills are required Good communication skills required Require the ability to work independently

Train To Become a Loan Resolution Specialist (LRS)

Become Referral Client and Potentially Earn $1,500 Monthly


Greenway Capital Management will handle every aspect of the client’s case, and prepare a comprehensive package to present to creditors, including….

Financial package - detailed to include all income, assets, and household expenses. This allows a realistic view of the client’s financial abilities to make payments as agreed once the loan is restructured.

Full financial package prepared for the creditor, including: Hardship letter Cost and benefit analysis for the creditor to modify the client’s loan Financial analysis verifying payments the client can afford. CMO : comparative market opinion of the property. (In-house) Prepare a financial restructuring plan. Representation on the client’s behalf in dealings with their creditors On-going communications with creditors (listed in original contract) Updates to our Partners.

21

OUR RESPONSIBILITIES


We pay IMAs $75.00 of the initial payment collected. Currently the minimum payment is $295.00, and $125.00 for the maximum payment which is $ currently $435.00.

Example: When we receive a payment of $435.00 from 5 clients you referred during the week, you are paid $375.00.

You also receive $50 - $75.00 annual residual income for each individual

that renew their membership.

Example: You have 200 referrals that renew their membership, we will pay you $10,000.00 in residual income.

First-year potential earning is $40,000 to $80,000

NOTICE: The values expressed are for demonstration purposes only and each individuals income will vary based their personal efforts.

IMA COMPENSATIONIMA COMPENSATION


We pay our Partners $100.00 of the initial down payment collected. Currently the minimum down payment is $375.00.

Example: If you collect the minimum down payment of $375.00 from 5 clients during the week, you are paid $1,500.00.

You also receive $100.00 quarterly bonuses for each client that completes their

payment plans during the quarter.

Example: You have 50 clients that are paid-up during the first quarter, ($100 x 50) you will receive $5,000.00 in bonus money.

First-year potential earning is $100,000 to $150,000

PARTNERS (LSR)PARTNERS (LSR)

COMPENSATIONCOMPENSATION


Currently delinquent on payment (s) Currently in foreclosure or has a

Notice of Default Has an Adjustable Rate Mortgage

that has adjusted higher or will adjust within 3 months

Contemplating bankruptcy

Has a legitimate hardship Reduced income: pay cut at

work; reduced hours, or new job w/less pay)

Loss of employment On disability (workers comp) Divorce/ separation Excessive medical bills Back taxes that are currently

being paid back Death of household provider Failed business

To qualify for our services, potential clients must demonstrate that they are unable to meet their financial obligations as originally agreed. They must be in a “Crisis”.

Need can include:

THERE MUST BE A NEEDTHERE MUST BE A NEED


Cases where individuals has “too much” recent debt Cases where individuals are not willing to take advice Cases where individuals has no income Cases where individuals has a “active” bankruptcy Cases where individuals are currently in a program with

a non-profit counselling agency Cases where individuals are not currently living in the

property

Our experiences has shown that the above case are generally “very difficult or impossible” to work. Therefore we do not recommend taking on these type of cases.

WHAT TYPE OF CASES ARE DIFFICULT


Dealing with clients who expect quick resultsDealing with clients who want or expect

“Guaranteed Results”.Making sure we are dealing with people who

“Truly” qualify for our services.Dealing with creditors who are uncooperative.Getting clients to follow our customized plans.

We consider these as minor challenges since we have perfected overcoming them.

FORESEEABLE CHALLENGES


Our professional team handles the negotiations with the lenders and communicates with the client, freeing you to pursue additional clients.

Complete Back Office Support Monthly status reports on your clients Your Own Personalized Website (Affiliate Partners) Training---Webinars on marketing, business

management, credit, personal finances and other topics Coaching and mentoring from one of the industry’s top

experts—Ray Williams Marketing materials---flyers, postcards, articles and more

WE PROVIDE ALL THE TOOLS YOU NEED

Some items listed do not apply to Independent Marketing Agents


Tax & Legal Issues

We do not provide or attempt to provide clients with tax or legal advice regarding how our strategies may affect their personal taxes. Therefore we recommend that each client obtain professional counsel in this regard.

CONFUSING TAX & LEGAL ISSUES!!


The market need and demand for our services is now! Consumers are in-need of assistance when dealing with

financial crisis. With the current state of our economy, those who jump

on the ship and start acting now will be the ones who will greatly benefit during next 3-5 years.

At issue is not only making a living today, but helping people who need to resolve financial issues.

Millions of American consumers are in financial trouble and need help now!

The FDIC projected that over 4 million homeowners will be delinquent on their mortgages in 2009.

THE NEED FOR URGENCY


We want to help American consumers maintain, restore, achieve and secure long-term financial stability.

We want to help American consumers avoid losing their faith in America’s financial system.

We want to help consumers avoid stress that is associated with financial crisis.

We want to help as many consumers as we possibly can resolve financial issues and secure a stable financial future.

In addition to helping consumers resolve financial issues, we want to help consumers earn “Lots of money”.

WHAT WE WANT?


Greenway Capital Greenway Capital ManagementManagement

We Provide

Wealth Building Strategies

Residual Income

Opportunities

Business Development

Income Opportunities

Credit Enhancement

Strategies

Financial Strategies


Start Resolving Financial Problems and Making Money!

For additional information call: (817) 863-7730

Get started With An Investment of Only!

This initial investment includes:

Initial and On-going Mentoring Unlimited Consumer Financial Counselling

Start-up Marketing Materials

Professional Mentoring

Professional Website

Unlimited Mentoring and Support

$485.00!

Real Estate Investing Training Unlimited Credit CounsellingRemanufactured Laptop Computer

Documents

Committed To Preserving Financial Integrity Greenway Capital Management HEPLING CONSUMERS RESOLVE FINANCIAL CRISIS