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A Division of 1st Mariner Bank
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¦ Meet the Founding Partners
¦ History of NGFS and 1st Mariner Bank
¦ Learn About the Opportunity
¦ Marketing Materials and Information
¦ Leads Programs and CRM
¦ Key Staff Members
¦ More Information

 
¦ Douglas McLain
As Co-Founder and Partner of NGFS, Mr.
McLain serves as one of the driving
creative and motivational forces behind
NGFS. He is involved in all facets of the
operation, including general management
and the creation of sales concepts and
strategies, as well as the recruiting,
training and employment of over 600
financial advisors.

 
¦ Brett Carter
Mr. Carter has 20 years of experience in the
financial service industry. Under Mr. Carter¶s
leadership, 1st Mariner Mortgage became one the
of the leading mortgage lenders in the Mid-Atlantic
Region with annual production exceeding $1
billion in closed loan volume. Mr. Carter was also
President of VA Mortgage.Com, the Internet
Mortgage Division of 1st Mariner Mortgage, which
provides mortgage services nationwide.

 
¦ Frank Neubauer
Frank Neubauer is responsible for the training and
management of over 600 NGFS loan officers across the
country. He is a financial services expert with over 40 years
of in the banking and finance industry. As President and CEO
of Taneytown Bank and Trust, Mr. Neubauer grew the bank¶s
assets from $140 million in 1992 to $300 million at the time
of its sale in 1998. During that time he led the efforts for
major initiatives in technology, the introduction of a sales
culture, the purchase of a mortgage company, the
acquisition of the deposits of a savings and loan institution,
and the establishment of an insurance agency and a trust
alliance.
À 
NGFS was formed through the joint efforts of
1st Mariner Bank of Maryland and Institutional
Marketing Services to create a delivery channel
for financial strategies that blend traditional
banking products and services with insurance
and estate planning products and services. The
strategies are applicable to almost everyone,
including consumers who have generally been
ignored by the financial planning community.
À 
NGFS uses creative financial
techniques that have a proven ability
to help consumers achieve their
financial goals. These goals could
range from paying off their mortgage
early, funding a family member's
education, increasing their retirement
income, obtaining long term care or a
variety of other financial goals.
„ 


Since 1st Mariner Bank¶s formation in

1995 it has aggressively sought to
deliver a wide variety of financial
products and services. 1st Mariner¶s
acceptance in the market is
evidenced by its success in terms of
growth.
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Vith a focus on Cash Flow Strategies
pertaining to the senior market, it
became obvious that Reverse
Mortgages are and will become even
more of a vital tool to help seniors of
all financial profiles with their
retirement income, long term care,
and estate concerns and/or
objectives.
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Reverse Mortgages are the fastest growing segment of
the mortgage market. Each of the last several years
has seen the number of Reverse Mortgages
consummated more than double that of the prior year.
The market for Reverse Mortgages is expected to be in
the growth stage for the remainder of the working
career of most experienced financial professionals. This
is in part due to what has been referred to as the
³Aging of America.´.For example, for the first time in
the history of America, there will be more people over
the age of 60 than under the age of 30«and baby
boomers will be turning 60 for the next twenty years!
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More recently we have expanded our recruiting
to include experienced Reverse Mortgage Loan
Officers as part of the development of a
national support effort for programs
implemented by NGFS.

Individuals who join NGFS in this capacity have

the opportunity to become employed as a full-
time loan officer with a comprehensive benefit
package and are classified as Direct Loan
Officers.
    

¦ Health Insurance
¦ Dental
¦ Vision
¦ LifeInsurance
¦ Disability
¦ 401K
 `    
¦
available to all- password protected, contains
most marketing materials and quick start items.
¦ { 
specific to each individual
loan officer.
¦ „ !
¦ Contains Administrative Items Book, Getting Started Book, Marketing
Sample Book, Sample RM Application Book.
¦ Also contains a comprehensive NGFS Sales and Marketing CD that
includes all marketing materials, webinar videos, powerpoint
presentations and more for the loan officer¶s use.
¦ Loan officers have access to  "# #

"$ , as well as free information and
brochures on a wide variety of programs.
 `       
„$% %# 
### % $ & #
 "" „' #%
(
¦ #)%' available to all seniors who CLOSE a
loan with NGFS. Each grandchild or great-grandchild is eligible for
one $5000 ³Tuition Reward´ to one of over 230 private colleges
across the U.S.
¦ „*)%' All prospects and clients are
eligible for this program. No age restrictions. Free discount
prescription drug card available to anyone.
¦ „#)%' NGFS dedicated website that helps
seniors and their adult children find resources for elder care
services in their local area, in partnership with ElderCarelink.
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¦ Prospect ProŒ is a web-based
prospecting, marketing and client
management system. It¶s a system
that provides the agent with targeted
prospects week after week, along
with the letters, scripts and other
tools needed to convert those
prospects into sales!
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¦ For a loan officer to be successful

they need to keep organized. Ve
designed a simple and easy to use
client management system that
works seamlessly with the
prospecting system described in the
previous slide.
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Vith Prospect-Pro, Loan Officers Can:

¦ Get a continuous stream of new prospects.
¦ Track and manage client contact and sales
data.
¦ Set and track appointments.
¦ Record sales goals.
¦ Track and measure their sales.
¦ Upload and store existing client data.
¦ Upload and store documents, letters and
much more.
À !" 
¦ Each week Prospect-Pro sends either
an email or text message to the
agent with a reminder of the ³action
items´ required for the week.
¦ Action items such as ³mail your
letters´, or ³make phone calls´ are
sent to the agent with quick and easy
instructions for completing those
tasks.
À !" 
¦ Because Prospect-Pro does most of
the work, it also removes the excuses
and obstacles that prevent many
from reaching success.
¦ You never have to worry about where
to get prospects, how to
communicate with those prospects or
how to track and manage their
activities ever again.
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¦ Bob Shields, SVP Specialty Lending
¦ Charlie Maykrantz, AVP Specialty Lending
¦ Vicki Bond, Director of Communications
¦ Valerie VanBooven RN BSN, Director of
Marketing & Long-Term Care
¦ Sue Haviland, Regional Development
Officer, Mid-Atlantic
¦ Greg King, Regional Development Officer,
Southeast
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For More Information, or if you have

any questions, please contact
Frank Neubauer at
fneubauer@nextgenfinser.com