Eric Lawrence Frazier - Bio and Resume

Eric Lawrence Frazier, MBA PRESIDENT AND CEO THE POWER IS NOW MEDIA, INC.

“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

Leadership -The Power Is Now Inc. Mr. Eric Lawrence Frazier is President and CEO of the Power Is Now Media, Inc. The Power Is Now Media, Inc. is a multimedia company that has specialized in real estate and mortgage education for consumers and real estate professionals on various topics in real estate, lending, economics, and government policy since Sept.

1, 2009. The financial and real estate information is distributed through BlogTalkRadio, iTunes, TuneIn, and other online radio platforms nationwide, as well as online TV and eMagazines on The Power Is Now website at www.thepowerisnow.com.

Mr. Frazier is the editor-in-chief and publisher of The Power Is Now Magazine, which is an online real estate magazine that has been in circulation since Sept. 1, 2013. He is also the President of The Power Is Now Leadership Academy, a nonprofit corporation created to support and develop young men and women in jobs in the mortgage and real estate industry, in addition to supporting various community initiatives centered around job training and education.

contact 800-401-8994 x 703 714-361-2105 frazier.eric eric.frazier@thepowerisnow.com www.thepowerisnow.com

Corporate Headquarters 3739 6th Street

Biography

Riverside, CA 9501

Mr. Frazier is known nationally as mortgage banking and brokerage professional with 38 years of experience in sales management, operations, and marketing. He also has over 28 years of experience in real estate as a licensed California Real Estate Agent (August 13, 1992) and 18 years as a Broker CalDRE 01143484 (August 3, 2001). This is in addition to 37 years in mortgage lending as a mortgage banker and licensed Mortgage broker NMLS 461807.

Mr. Frazier is a graduate of Redlands University in Redlands, -1-

To schedule an interview contact Theresa Olivarria Executive Assistant to the President 800-401-8994 ext. 720 theresa.olivarria@thepowerisnow.com

Eric Lawrence Frazier, MBA PRESIDENT AND CEO THE POWER IS NOW MEDIA, INC.

California. He has an MBA with an emphasis in finance, and a BS in business administration and management. He is an adjunct professor at University of California Riverside, where he teaches e-commerce, and he has lectured on the U.S. mortgage crises to international business and political leaders.

He and his wife Ruby L. Frazier are founders of Frazier Group Reality (www. fraziergrouprealty.com) in Riverside, CA, a full-service, family-owned and familyoperated real estate brokerage since May 6th, 2006. His greatest accomplishment is being married to the love of his life, Ruby Lee Gordon Frazier, for 37 years and being the father of four daughters. His oldest three daughters Jessica, Briana and Erica have master’s degrees in management and business, and his youngest daughter Raela recently graduated with BS degree in apparel merchandising. He is also a grandfather to two daughters Carrah and Chloe Cannon and one grandson, Cameron. Family is everything to Eric & Ruby Frazier.

Community Organizations Mr. Frazier is on the board of directors of the Riverside Fair Housing Council (www.fairhousingcouncil.net). Fair Housing Council of Riverside County, Inc. (FHCRC) is a non-profit organization that fights to protect the housing rights of all individuals. This organization, approved by the Department of Housing and Urban Development (HUD), works with government offices to ensure Fair Housing laws are upheld.

He is on the board of directors of Project Tomorrow (www.tomorrow.org) a national education nonprofit organization, certified by the IRS and the State of California as a 501.c.3 nonprofit organization, with a 20-year history of impacting education.

He is a member of the 100 Black Men of Orange County and a member NAACP in Orange County chapter, and CEO and executive pastor of the North Fontana Church.

He has held the following positions in the past: President/chairman and director of the State of California African American Museum (www.caamuseum. org) CAAM’s mission is to research, collect, preserve, and interpret for public enrichment the history, art and culture of African Americans with an emphasis on California and the western United States.

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Eric Lawrence Frazier, MBA PRESIDENT AND CEO THE POWER IS NOW MEDIA, INC.

Real Estate Trade Organizations Mr. Frazier is a member of the following Real Estate Trade organizations: the Pacific West Realtors Association of Realtors, Oakland Berkeley Association of Realtors, Inland Valley Association of Realtors, Murrieta Association of Realtors, San Diego Association of Realtors, National Association of Mortgage Professionals and NAMB. He is has held the following positions in the past: President of the Orange County Realtist (www.ocrealtist.org), which is a chapter of the National Association of Real Estate Brokers (NAREB), and a past director of the California Association of Real Estate Brokers. Vice president of the Orange County National Association of Hispanic Real Estate Professionals, a 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. He is a former president of the African American Association of REO Brokers., and past advisory board member of Open Door Institute.

Passions and Purpose Mr. Frazier is a pastor/teacher and spiritual leader, author, singer, poet, and songwriter. He is a blogger, motivational speaker, business consultant, coach for profit and non-profit companies, and active community leader. He enjoys golf, running, and jazz music. Mr. Frazier strives to be a role model for young African American men and women and enjoys mentoring and coaching both the young and old. He believes his purpose on earth is the lead and to inspire people to maximize their talents, to achieve their potential and to live their best life.

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Eric Lawrence Frazier, MBA PRESIDENT AND CEO THE POWER IS NOW MEDIA, INC.

Resume

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.

Business Objective Professional Experience

Aug. 20 2009 to Present The Power Is Now, Inc. Riverside, CA President/CEO The Power Is Now 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 Power Is Now Real Estate Magazine The Power Is Now Real Estate Magazines are the best resources for moving, relocating, and finding local real estate in California. Finding great California real estate deals will always require a local TPIN Real Estate agent, so begin your California listing search by selecting the real estate market you are interested in and one of our agents that can assist you in making your home ownership or investment dreams come true.

The Power Is Now 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 Power Is Now 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 -4-

Eric Lawrence Frazier, MBA PRESIDENT AND CEO THE POWER IS NOW MEDIA, INC.

management, operation management and development of systems and processes to succeed in business.

The Power Is Now Escrow Services The Power Is Now Escrow Service is a non-independent full service Escrow company 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 The Power Is Now Mortgage Services (April 2017 to June 2019) The Power Is Mortgage Services is a full-service mortgage brokerage with many lending relationships with mortgage banks and commercial banks in the US. The Power Is Now Mortgage Services can 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 Power Is Now Real Estate Services (April 2017 to June 2019) 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 firms, hedge funds and banks with comprehensive strategies to sell or purchase residential, commercial, and multi-family real estate.

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.

Oct. 27 2012 to Aug. 1, 2013 PRIMELENDING, CORONA, CA -5-

Eric Lawrence Frazier, MBA PRESIDENT AND CEO THE POWER IS NOW MEDIA, INC.

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.

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 -6-

Eric Lawrence Frazier, MBA PRESIDENT AND CEO THE POWER IS NOW MEDIA, INC.

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.

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 -7-

Eric Lawrence Frazier, MBA PRESIDENT AND CEO THE POWER IS NOW MEDIA, INC.

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.

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.

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Eric Lawrence Frazier, MBA PRESIDENT AND CEO THE POWER IS NOW MEDIA, INC.

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.

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.

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Eric Lawrence Frazier, MBA PRESIDENT AND CEO THE POWER IS NOW MEDIA, INC.

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.

EDUCATION

UNIVERSITY OF REDLANDS, Redlands, CA,

Aug 06 - Jul 08

UNIVERSITY OF REDLANDS, Redlands, CA,

Nov 02 - June 06

Graduate MBA – Finance Emphasis

Graduate BSBM – Business Administration & Management

UNIVERSITY OF LA VERNE, La Verne, CA,

Winter 94 -Jun 95

Accelerated Program, Major: Religion 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

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Eric Lawrence Frazier, MBA PRESIDENT AND CEO THE POWER IS NOW MEDIA, INC.

Licenses currently held

• Real Estate Broker License (01143484) • NMLS Mortgage License (461807)

affiliations

• Past President/Chairman of the Board of Directors for the California African American Museum www.caamuseum.org • Past 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 a real estate trade organization • Past Advisory Board of Directors of the Black Chamber of Commerce in Orange County www.ocblackchamber.org • Member of the NAHREP National Association of Hispanic Real Estate Professionals www.nahrep.org • Member of the AREAA Asian Real Estate Association of America. www. areaa.org • Member of the NAREB National Association of Real Estate Brokers. www. nareb.com • Member of the CAREB California Association of Real Estate Brokers. www. careb.org • Member of the PWR Pacific West Realtors Association of Realtors www. pwaor.com • Member of the Delta Association of Realtors www.deltaor.com • Member of the IVAR Inland Valley Association of Realtors www.ivaor.com • Member of the SRAR Southwest Riverside of Association of Realtors www.

SRCAR.org • Member of the OBAR Oakland Berkeley Association of Realtors www. oaklandberkeleyaor.com • Member of the CVAR Citrus Valley Association of Realtors • Member of the LCAR Lake County Association of Realtors • Member of the NBAR North Bay Association of Realtors • Member of the SAOR Solano Association of Realtors -11-

Eric Lawrence Frazier, MBA PRESIDENT AND CEO THE POWER IS NOW MEDIA, INC.

• Member of the CAR California Association of Realtors www.car.com • Member of the NAR National Association of Realtors www.nar.org • Member of the OCWCOR Orange County Women’s Council of Realtors www.womenscouncil.info • Member of the NAACP of Orange County www.naacpoc.org • Member of REOMAC www.reomac.com • Member of the Black MBA association https://nbmbaa.org/who-we-are/ • Member of the 100 Black Men of Orange County www.100bmoc.org • Member of the National Association of Mortgage Professional www.namb. org • Former Member of the Open Door Institute • Former Member of the Board of Directors of The Friends Foundation the fundraising arm of CAAM • 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 PWR of Realtors Charity Foundation • 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 Advisory Board of the Asian Business Assoc. 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

business interests/ affilitations

• Frazier Group Realty Inc. www.fraziergrouprealty.com (Family Real Estate Co.)

social media and website

• • • • • • • • •

https://thepowerisnow.com/ https://thepowerisnowmortgage.com/ https://thepowerisnowrealestateservices.com/ https://thepowerisnowtv.com/ https://thepinmagazine.com/ https://thepowerisnowradio.com/ http://www.blogtalkradio.com/thepowerisnow http://www.linkedin.com/in/ericfrazier https://www.facebook.com/ericfraziermba -12-

Eric Lawrence Frazier, MBA PRESIDENT AND CEO THE POWER IS NOW MEDIA, INC.

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summary of qualifications

https://www.facebook.com/thepowerisnow https://www.instagram.com/thepowerisnow/ https://www.pinterest.com/thepowerisnow/ https://twitter.com/thepowerisnow http://activerain.com/profile/thepowerisnow

• 36 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.

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Eric Lawrence Frazier, MBA PRESIDENT AND CEO THE POWER IS NOW MEDIA, INC.

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

OUTSTANDING RECORD OF ACHIEVEMENTS

• 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 -14-

Eric Lawrence Frazier, MBA PRESIDENT AND CEO THE POWER IS NOW MEDIA, INC.

• 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

Outstanding Record Community Achievements

• 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 from Lorretta Sanchez 8/06

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