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W e a r e at o u r b e s t a n d w e m a x i m i z e our success when act now

the power agent spotlight Michael Krein CEO RIO Software Solutions, Inc. mkrein@RIOGenesis.com

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The Power Is Now presents a new series of episodes featuring Dr. Michael Krein CEO of RIO Software Solutions during the month of March called Real Estate Success Month. Learn how to make money in real estate as a real estate professional. This show is an overview of the upcoming series of episodes. Live Link

Michael Krein is currently the CEO of RIO Software Solutions, the parent company of RIO Genesis. After twenty-seven years in the real estate business, Michael was inspired to create the RIO Genesis system by synthesizing this user friendly software for all real estate companies. Michael also utilized his experience as the former President of the National REO Brokers Association to enhance his understanding of management and leadership. Michael Krein is also the former owner of Sellstate Nevada Real Estate Services and has listed over 25,000 single family homes. Michael is currently married with seven children, teaching them each the importance of taking action in their lives.

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The Power Is Now and RIO Genesis: Michael Krein Phd. Introduction

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The Power is Now and RIO Genesis present: HELOC RESETS

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The Power is Now and RIO Genesis present: 100 TRANSACTIONS A YEAR

The Power is Now and RIO Genesis present: TECHNOLOGY

The Power is Now and RIO Genesis present: $300K PER YEAR ON 1 HOUR PER DAY

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The Power is Now and RIO Genesis present: LEAD GENERATION AND THE INTERNET

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The Power is Now and RIO Genesis present: TIPS AND TRICKS 4

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The Power is Now and RIO Genesis present: 40% OF RE TRANSACTIONS ARE SENIORS

W e a r e at o u r b e s t a n d w e m a x i m i z e our success when act now

OC Realtist and The Power Is Now Marketing Session:

Justin Potier Justin Potier Broker Associate, Vice President at Boarwalk Properties Los Angeles and Orange County Real Estate 3948 Atlantic Avenue, Long Beach, CA 90807 D: 562.480.0684 E: justin@boardwalkreo.com F: 562.513.1006

***TWO STORY SINGLE FAMILY HOME IN WILLOWBROOK NEIGHBORHOOD OF SOUTH WEST LOS ANGELES*** This 4 bedroom, 1.5 bathroom home features include: 3 steps up to a covered front porch opening to a living room with wall-to-wall carpet/combination family room with closet or den (may be intended as 4th bedroom, buyer to verify) with slider door opening to side yard. Dining room which leads to the spacious and open kitchen with inside laundry area to the left and adjacent 1/2 bath and enclosed patio. Right of the laundry area is the kitchen with tiled/composite counter tops, vinyl flooring, vent hood, double stainless steel sink, garbage disposal, dishwasher and breakfast nook with a rear door opening out to a concrete porch with 3 steps down to open concrete patio, 2 car detached garage, chain linked fence backyard and a small basement. Formal dining room off of the breakfast nook. Stairs at living room afford access to the upstairs hallway which lead to 3 bedrooms and 1 full hall bathroom with bath tub/shower combination. DONâ&#x20AC;&#x2122;T MISS OUT ON THIS OPPORTUNITY!!!

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W e a r e at o u r b e s t a n d w e m a x i m i z e our success when act now

OC Realtist and The Power Is Now Marketing Session:

Kama Burton Kama Burton Realtor Pro One Investment 12155 Magnolia Ave Ste.36 Riverside, CA 92503 Email: kamab@prooneweb. com Phone: 951-575-9750

MLS# 15177293 13173 Balata Dr. Beaumont, CA This 1761 square foot single family home has 3 bedrooms and 2.0 bathrooms. 22801 Pahout Dr. Moreno Valley, CA This 1300 square foot single family home has 3 bedrooms and 2.5 bathrooms

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W e a r e at o u r b e s t a n d w e m a x i m i z e our success when act now

OC Realtist and The Power Is Now Marketing Session:

Pablo Velasquez Pablo Velsquez, BROKER Advance Realty pablo@pvelasquez.com Mobile: 714-240-1330 Fax: 714-647-9843 Office: 714-647-9844 1611 E. 4th. St. Suite 100 Santa Ana, CA 92701 www.pvelasquez.com

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BACK ON THE MARKET. NESTLED IN THE HEART OF THE ANAHEIM COLONY HISTORIC DISTRICT!! This 4 bedroom home has much to offer!!! From the moment you enter the living room you will enjoy the custom wood pocket doors leading to the downstairs bedrooms & bathrooms, arched doors and exposed beams. Additional details include crown moulding and coved ceilings in the downstairs bedroom and bathroom. The downstairs bathroom is also accented with an old style clawfoot bathtub!!! The arched custom doors open to a large kitchen with a bay window that overlooks the expansive back yard. The backyard centerpiece is the huge avocado tree !!! The large, just under a quarter acre, lot is ideal for for entertaining large and small groups!!! Driveway can accommodate up to six vehicles!!! Established neighborhood environment, endless upgrade possibilities and possible eligibility for the Mills Act program (up to 60% annual property tax savings), make this a must see home!!!

W e a r e at o u r b e s t a n d w e m a x i m i z e our success when act now

OC Realtist and The Power Is Now Marketing Session:

David Mason David J. Mason 31582 Coast Hwy Laguna Beach, CA, 92651 (714) 269-6068 www.davidjmason.com davidmason@cox.net

David Mason shares details on a great property located in 42 Vista Del Mar, Dana Point, CA 92629

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W e a r e at o u r b e s t a n d w e m a x i m i z e our success when act now

The Power is now Interview with Christophe Choo Christophe Choo, Christophe Choo Real Estate Group Office: (310) 777-6342 Fax: (310) 860-8879 ChristopheChoo.com Coldwell Banker Beverly Hills 301 North Canon Drive Suite E Beverly Hills, California 90210 BRE License: 01027350

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Christophe Choo is an award-winning, top-producing luxury real estate agent with over 26 years of experience serving Los Angeles’ most elite Westside neighborhoods. He is known for his charisma and cosmopolitan flair, but is best known for breaking sales records in the most prominent Westside locations spanning the Platinum Triangle, including Beverly Hills, Holmby Hills and Bel Air, and all of the premiere Los Angeles neighborhood’s. “I have been successful over the last two decades because I love what I do,” he says. “Finding a person’s dream home is not a job to me. It’s my passion.” Christophe’s endless passion and enthusiasm for real estate has earned him a coveted position among the nation’s best real estate agents, with more than 500 real estate transactions closed over the course of his career. For many years, he has enjoyed “top producer” status in the elite Coldwell Banker Previews® International Presidents Premiere, which honors the top 1% of Coldwell Banker agents worldwide. Most recently in 2010 & 2011, 2012 & 2013 & 2014 he was ranked among the Top 100 at Coldwell Banker Previews International. His innovative sales and marketing techniques, combined with in-depth knowledge of the marketplace have consistently positioned him among the top agents in his office and in the top 24 agents for Coldwell Banker Residential Brokerage in Greater Los Angeles for 2014.

W e a r e at o u r b e s t a n d w e m a x i m i z e our success when act now

The Power Is Now Interview with Donnell Spivey Donnell Spivey Broker/Owner9396 B Baltimore National PikeEllicott City, MD 21042 Office: 410-465-0083 Direct Line: 410-680-2004 Cell: 443-277-1744 donnell@exitspiveypros.com

Donnell Spivey is the Immediate Past President of the National Association of Real Estate Professionals (NAREB). He is the owner and broker of Exit Spivey Professional Realty with over twenty-nine years of experience in the surrounding Baltimore area. Donnell’s business philosophy is to lead and manage a team of real estate agents, specializing in residential and investment property sales, while providing full time professional real estate services. When you work with Donnell Spivey, he becomes the client’s personal assistant in the real estate transaction. This former president of NAREB and former 1st Vice President is an accomplished broker and leader in the real estate community.

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W e a r e at o u r b e s t a n d w e m a x i m i z e our success when act now

The Power Is Now Interview with

Teresa Palacios Smith Teresa Palacios Smith Berkshire Hathaway Home Services Georgia Properties 863 Holcomb Bridge Road Roswell, GA, 30076 770-992-4100 (770) 992-4100ext339 Direct: (678) 352-3339 Cell: (678) 576-3501 www.tsmith.bhhsgeorgia.com

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Teresa Palacios Smith is Vice President of Business Development and Cultural Initiatives for Berkshire Hathaway Home Services Georgia Properties. Teresa is responsible for business development and corporate marketing of Relocation Services, HUD and REO properties, International & Rental Services and Affinity Marketing Programs. Teresa has an extensive background in sales and marketing. A graduate of Mississippi State University, she received a BA in Broadcasting and Public Relations. Teresa has over 20 years of experience in the real estate industry and holds an active Georgia real estate license and is also licensed as a buyer’s agent. The daughter of Hispanic (Colombia, SA) immigrants, Teresa has traveled extensively and is fluent in Spanish. Raised in the heart of the South, Teresa has a strong commitment to traditional values, family, service and southern hospitality. Teresa is a frequent speaker and writer on topics such as Minority Buying, Rental Assistance, Relocation Trends, International Relocation, First Time Home Buying, Successfully Selling HUD Homes and Strategies for Selling Your Home. She has conducted several workshops on these topics and has been published in numerous magazines.

W e a r e at o u r b e s t a n d w e m a x i m i z e our success when act now

The Power Is Now Interview with Reverend Charles Dorsey M.DIV. Charles Lamont Dorsey, M.DIV 45 Tesla Irvine, CA 92618 949-955-0014 x205 (must press * before the extension) charles.dorsey@gmail.com

Reverend Charles Lamont Dorsey is the Executive Director of COR Community Development Corporation. He is the past immediate Youth and Young Adult Pastor at Christ Our Redeemer AME Church. His academic record includes a Master of Divinity from the Claremont School of Theology and a Bachelors of Arts in Anthropology from the University of California at Irvine. Reverend Dorsey is currently pursuing a Doctoral Candidate at Pepperdine University. His ministerial career has included tremendous favor from the Lord; Rev. Dorsey was blessed to sing the National Anthem for the President of the United States, Barack Obama. He has also been blessed to travel to the Holy Land (Israel), where he preached on the Sea of Galilee and baptized in the Jordan River. He released his first gospel album, “The Charles Dorsey Project,” and his first book entitled “Consecrate Yourself,” which can both be found online. Charles is happily married to Attorney Lakeshia M. Dorsey, who is invited around the country to discuss policies surrounding foster care and family law.

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W e a r e at o u r b e s t a n d w e m a x i m i z e our success when act now

The Power Is Now Interview with

Vicky Silvano Vicky Silvano Century21 SGR, Inc. CDPE, CIPS, CRS, ABR, Equator/ REO Certified, AREAA National Vice Chair, 2015, Asian Real Estate Association of America 1823 S. Michigan Ave. Chicago, IL 60616 312/326-2121 - Office 312/326-7911 - Fax 773/848-1201 - Cell http://www.vickysilvano.com

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With over fifteen years of experience as a real estate broker, Vicky Silvano brings a high level of professionalism, personal attention, and customer service to the home buying and selling experience. She graduated college from the University of the Philippines with a Bachelor’s degree in Economics. Vicky Silvano worked at the National Economic Development Authority, or NEDA. Then, she went on to introduced a new product line that was sold nationally. While working as an administrative assistant at Northwestern University Medical School and Law School for four years, Vicky Silvano stumbled on newspaper advertisement for “Career day at Century”, starting her career in 1990. She has the following designations: CIPS, CRS, ABR, and the CCIM designation series. Her involvement with AREAA has opened her eyes to the challenges the Asian American community in homeownership. She desires to give back to the community, and she is thrilled to have that opportunity now as the New Vice Chair for Asian Real Estate Association of America.

W e a r e at o u r b e s t a n d w e m a x i m i z e our success when act now

OC Realtist Speakers Forum

Antoine Thompson Antoine Thompson Executive Director National Association of Real Estate Brokers, Inc. 9831 Greenbelt Road, Suite 309, Lanham, MD 20706 (301) 552-9340

Antoine Thompson was a Democratic New York State Senator who represented the state’s 60th Senate district, which includes parts of Buffalo and Tonawanda, the City of Niagara Falls and the Town of Grand Island. Thompson previously served for six years as the Masten District councilman in the Buffalo Common Council. Thompson has been a lifelong Buffalonian and held political and politically related professional positions in Buffalo before his service in elective politics. This is an interview with our host Eric Lawrence Frazier talking about Antoine’s appointment to Executive Director of NAREB and his goals for the future.

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W e a r e at o u r b e s t a n d w e m a x i m i z e our success when act now

The Power Is Now Interview with

Steve Peterson Steve Peterson CCIM - Broker/Owner Infinity Investments peterson.infinity@gmail.com 408-509-0700

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Steve Peterson CCIM, is the Broker/Owner of Infinity Investments which is a commercial real estate brokerage and investment firm based in Oakland, California. His focus and expertise is in apartment buildings, but he has experience in office and retail property as well, working as both a broker and principal. Steve has been in the commercial real estate business for 10 years both as an investor and a broker/agent. He started his company Infinity Investments in November 2009 amidst one of the worst real estate downturns in history; however the company has turned a profit each year.

W e a r e at o u r b e s t a n d w e m a x i m i z e our success when act now

INTERVIEW WITH WINDS SHELLEY KAYE AND LILYVETTE RODRIGUEZ

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Shelley Kaye Co-Founder & Executive Director Women in Diversified Services Direct: 949-734-3466 Fax: 949-656-7004 shelleykaye@womeninds.com

Shelley Kaye is a co-founder of Women in Diversified Services (WinDS) and serves as its President and Executive Director. She has had a multifaceted career in both real estate and mortgage banking spanning more than 20 years. Her experience in customer service, collections and loss mitigation led to her greatest passion, REO asset management for organizations such as First Central Bank, Option One Mortgage, ECC Capital and Insource Financial Services. Shelley participates as a speaker on a variety of panels at industry events. Shelley and her husband Neil have two grown daughters and one granddaughter, Megan. Shelley also serves as the Secretary of the WinDS Foundation.

Lilyvette Rodriguez WinDS Foundation Board Member, BRE License #01061272 Excel Realty (909) 333-6008 www.ExcelRealty-IE.com Facebook: ExcelRealtyIE

Lilyvette has a proven record of success as a broker and real estate agent for over 23 years. Lilyvetteâ&#x20AC;&#x2122;s market coverage areas include San Bernardino, Riverside Counties and the Pomona Valley in Southern California. Her 15 years of corporate experience from working as a legal assistant in the insurance and banking industries, prove to be a continued asset when contract negotiating. She specializes in equity sale, short sale, foreclosure, probate and corporate relocation. Her business reflects a broad spectrum of knowledge and services in sales and property management.

W e a r e at o u r b e s t a n d w e m a x i m i z e our success when act now

The Power Is Now Interview with

Ron Cooper Ron Cooper Broker/OwnerR.S. Cooper & Associates Realty 1st Vice President & President-Elect NAREB3731 Stocker Street, Suite 110 Los Angeles, CA 90008 Office: 323-299-4876 Fax: 323-290-4034 ron_cooper@rscooper.com

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Ron Cooper established his successful Los Angeles, California-based real estate brokerage and management company, R.S. Cooper & Associates, in 1983, specializing in the maintenance, marketing and disposition of REO properties. Mr. Cooper’s stellar reputation, professionalism and expertise have positioned his company to service an enviable list of corporate and individual clients. The 30 real estate agents carrying the R.S. Cooper & Associates brand, are integral parts of a brokerage that provides full-service and custom care to the company’s client base. Mr. Cooper has methodically grown his company over more than 29 years in the fast-paced southern California real estate arena. At the company’s inception, Ron guided his realty firm into a specialty overlooked by a number of his industry competitors. Today, his “Production Team” service model continues to enable the company to perform the administrative, marketing, sales, property management, maintenance, and client liaison functions that are key to handling REO properties. His experience and business model have set the standard for other brokerages building an REO-focused client base.

W e a r e at o u r b e s t a n d w e m a x i m i z e our success when act now

The Power Is Now Interview with

Ed Smith and Sandy Olsson Ed Smith and Sandy Olsson

Sandy and her husband Norm live in Anaheim Hills, California. They have three grown children and Georgia the Yellow Lab.She is Nana to the seven loves of her life. Sandy has worked in the business world since the age of 20 professionally as well as teaching and leading Bible studies and small groups for various organizations and churches. She has facilitated retreats and women’s events over the past 30 years and has a Bachelors Degree in Political Science & Law, and has worked on two Presidential campaigns. Because of her passion for women and seeing lives changed, Sandy started teaching classes on strategic life training and leadership, called The Master’s Program for Women in 2002. Although her primary focus is teaching The Master’s Program for Women, Sandy is also involved in helping to provide homes in South Africa for abandoned HIV/Aids infants and children with Acres of Love and the Safari Sisters. She serves on the leadership board of Marketplace Women of OC serving Christian women in business – Personal, Professional, Spiritual. Sandy is a Certified Teacher, Trainer, Coach and Speaker with the John Maxwell Team, and is a member of Toastmaster’s International. 11

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The Power Is Now Interview with

Ed Smith and Tony Husted Tony Husted thusted@awyken.org 1-(206)755-5405

â&#x20AC;&#x153;Tony Husted is a Professional Certified Coach with the International Coaching Federation and has been training Professional Coaches in over 15 countries worldwide over the last eight years. He teaches Solution Focused Coaching Trainings, NLP Practitioner and Master Practitioner Trainings, Sales Training, and Train the Trainer programs. His credentials include an Associate Degree in Technology from Pierce Community College and a Bachelors Degree in Organizational Management with High Honors from Northwest University. He is a Neuro-Linguistic Programming Master Practitioner and Trainer, Certified NLP Coach, Patterns for Renewing Your Mind Practitioner, Erickson Certified Professional Coach, as well as a NLP Health Practitioner, a Leading from Your Strengths Coach, and a Solution-Focused Coach Trainer.

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Awyken Interview

W e a r e at o u r b e s t a n d w e m a x i m i z e our success when act now

The Power is Now Interview with

Girish Balachandran Girish Balachandran

Girish Balachandran is a 24-year veteran of California municipal utilities (including water, electricity and natural gas). Currently he is the General Manager of Riverside Public Utilities (RPU), which serves electricity to approximately 105,000 customers and water to approximately 65,000 customers, and is one of the largest municipal utilities in California. Since joining RPU in 2014, Balachandran has initiated a number of innovative and collaborative processes focused on the following priorities: rebuilding aging water and electrical infrastructure, utilizing advanced technology to improve service delivery and customer satisfaction, developing the workforce to meet new skills needed in the utility of the future, and developing business models for the utility to adapt and thrive in a an uncertain environment.

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W e a r e at o u r b e s t a n d w e m a x i m i z e our success when act now

The Power is Now Interview with

Desiree Patno Desirée Patno CEO (949) 559-9800 desiree.patno@nawrb.com www.NAWRB.com

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Desirée Patno, Founder and CEO of NAWRB, the only national trade association representing women-owned businesses specializing in the housing economy. With more than 23 years experience in real estate services, Desirée brings “heels on the ground” knowledge to her mission of promoting women-owned businesses in the housing economy. Through NAWRB, she advocates for the increased utilization of women-owned businesses and mentors female entrepreneurs for future successful business ownership. Patno is one of the most visible advocates for women in the housing economy. She is a recipient of the 2012 Enterprising Woman of the Year award, 2012 WIPP Business Leadership Social Media Award and was recognized by HousingWire as one of the most influential women in housing in 2012. A California native, she has been married for more than 30 years and is the proud mother of four boys. Additionally, she was the only girl in an all-male water polo league in high school, professional dancer, swimmer, loves to collect ornate antiques, and is a bonafide fashion finder.

W e a r e at o u r b e s t a n d w e m a x i m i z e our success when act now

The Power Is Now Interview with

Sabrina Jackson Sabrina Jackson Sabrina Jackson Enterprises “The Voice Delivering Excellence” Booking Contact 323-892-1287 or on website: www.sabrinajackson.com Phone: 800-456-5495 Twitter: @sabrinasje Facebook: Essentially Sabrina

Dr. Sabrina Jackson is one of America’s foremost professional speaker, trainer, business consultant, author, and internationally recognized “people expert”. Dr. Jackson’s has trained thousands of leaders, professional staff, couples and parent groups worldwide. As a business consultant, Dr. Sabrina has created a niche with helping non profit businesses obtain their 501 c 3 status and has developed a system that is fast and effective. As a professional speaker, Sabrina is known as “The Voice Delivering Excellence” bringing a unique blend of humor, energy, inspiration, and thought provoking words that creates a life-changing experience for her audiences. Whether on delivering a motivational message or Letting It Rip on Fox 2, her words stick with you. In her book, He is Not a Statistic: 12 Laws for Single Mothers Raising Black Males she provides real life examples and mandates for bringing up Real Black Men. The newest book entitled People 911: Handling Crisis, Conflict, and Communication in the Workplace tackles most of our biggest problem....People! Lastly, Dr .Sabrina has created a personality assessment model - Essential Colors which helps people with people, even if that person is themselves! The model is great for team building, career planning, leadership development, and so much more. 13

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The Power Is Now Interview

SAPPHIRE PROGRAM

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W e a r e at o u r b e s t a n d w e m a x i m i z e our success when act now

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The Power Is Now OC Realtist Week 1 W e a r e at o u r b e s t a n d w e m a x i m i z e our success when act now

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The Power Is Now OC Realtist Week 2 14

W e a r e at o u r b e s t a n d w e m a x i m i z e our success when act now

The Power Is Now Marketing Session: Bernie Lawrence New Listing MLS IV16054577 Bernie Lawrence 951-259-3193 toptrustedagent@aol.com

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RIVERSIDE, CALIF. — March 30th, 2016— The Power Is Now National Marketing Session is a special edition of the Power Is Now Online Radio. This show is being broadcast worldwide on March 30th, 2016 online and will be listened to by millions. Did you know that over 95% of buyer of real estate start their search online? Well, The Power Is Now will be the first to give buyers options with more information about a property than a simple website ever could. Today’s show is about a New Listing at 22750 De Berry Street Grand Terrance CA. MLS # IV16054577. In this marketing session, The Power Is Now Online Radio will feature an exclusive interview with Bernie Lawrence. He will talk about this beautiful 4 Bedroom, 2 Bathroom, 1 Story Home with a lovely Sparkling pool, granite counter tops and tons of new upgrades! This neighborhood is exclusive and perfectually situated in the foothills of Grand Terrance. Closed to quite very child friendly parks, award winning schools, shopping, and only 3 minutes from the freeway. This home has room for your RV Toys and with a Double Door Gate on the side of the home. The money you save with no mello Roos and low taxes will makes everything easier to finance. You are guarantee to love this home. This home will not last. Listen and buy today. Stay tuned with The Power Is Now Radio for this exclusive interview. Tune in at www.thepowerisnow.com/ radio on March 30th, 2016 for the live broadcast and great pictures of the property.

W e a r e at o u r b e s t a n d w e m a x i m i z e our success when act now

The Power Spotlight: Tanya Brown

Tanya Brown Speaker | Author | Life Coach 323-723-2256 Tanya@TanyaBrown.net

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Tanya Brown is no stranger to adversity or trauma. Faced with near overwhelming life challenges, Tanya used obstacles in her path to ultimately improve the quality of her life. She takes her life experience to audiences nationwide as a compelling motivational speaker, and she brings that experience to bear on her coaching practice. Her story makes it clear that you can overcome any adversity with the willingness to ask for help. Tanyaís Story of Loss, Grief, Depression . . . and Victory. The death of her sister Nicole Brown Simpson, which was sensationalized in the 1994 media frenzy featuring Nicoleís husband O.J. Simpson, unleashed a flood of issues for Tanya. Prior to Nicoleís murder, Tanya had lost several other loved ones, and emotional trauma was setting in. She engaged in dysfunctional eating patterns, and she busied herself with academic work as diversions from the mounting depression. Finally, in 2004, she suffered a breakdown that actually saved her life. She worked for three months to get back on her feet with tools for managing her emotional well-being. Today, she is a celebrity author, a voice against domestic violence, and a motivational speaker and Life Coach who helps others bounce back from adversity. Read Tanyaís Books to Cultivate Coping Skills. Tanya has written two books to help readers overcome difficult, traumatic situations. In her revealing and thought-provoking memoir, Finding Peace Amid the Chaos: My Escape from Depression and Suicide, she shares her journey of self-discovery and shows how even the most severely traumatizing life experiences can carry lessons that teach new ways of being. 15

W e a r e at o u r b e s t a n d w e m a x i m i z e our success when act now

NAACP Orange County Branch 1052 Donald Craig President Donald Craig OC NAACP President drcraig1955@gmail.com dc1764@att.com (714) 325-0103

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Donald Craig has been active in the Orange County Branch NAACP for over 16 years. He served as Membership Chair, First Vice-President, and currently as President for the past 10 years. Donald has been a strong leader and has worked hard on becoming a voice for the disenfranchised African Americans in Orange County. He dedicated his leadership and effort to ensure that the voices of all minorities in Orange County are heard and appropriated actions are taken. Under his leadership, Donald Craig has re-vitalized the Orange County Branch NAACP

W e a r e at o u r b e s t a n d w e m a x i m i z e our success when act now

LEADERSHIP SPOTLIGHT:

MAYOR RUSTY BAILEY Mayor Rusty Bailey City of Riverside (951)826-5551 office (951)801-8439 cell rbailey@riversideca.gov

Riverside, California – On May 9,2015, 10:30 am, The Power Is Now online radio will air a broadcast titled “Our Leadership Spotlight on Rusty Bailey”. Host and executive producer Eric Lawrence Frazier will be speaking with our special guest Rusty Bailey, Mayor of Riverside, California. He is a strong proponent in promoting undertakings for the city of Riverside, which stabilizes its status as the City of Arts and Innovation. During Mayor Bailey’s spotlight session, listeners can gain deeper insight into his political career, previous military experience and his goals for Riverside’s future. Mayor Bailey is an Army Veteran, having served in the capacities of helicopter pilot, platoon leader and Company Executive Officer. He has likewise been involved with housing and management endeavors for both local and federal governments. Mayor Bailey’s exemplary commitment to the community is a shining beacon for residents of Riverside. For additional information, please visit www.riversideca.gov/mayor/ 16

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Steve Frankel Power Agent Spotlight

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Steve Frankel is one of the most successful realtors in Los Angeles. Steve Frankel Real Estate Estate Agent

Consistently a Top Producer in sales and volume over the last two decades, Steve has built a reputation within the community as a consummate professional.

Telephone: 310-281-3981 Cell Phone: 310-508-5008 homes@stevefrankel.com www.stevefrankel.com 301 N Canon Dr. Suite E Beverly Hills 90210

A resident of the Beverly Hills area, Steve is keenly adept at marketing fine homes in Bel Air, Beverly Hills, the Sunset Strip, Hollywood Hills and the entire Westside. His extraordinary marketing skills have enabled him to provide both Buyers and Sellers with the highest level of service. Steve is a Director at the exclusive Coldwell Banker Previews Estate Division in Beverly Hills. He is a savvy communicator and tough negotiator who always works hard on behalf of his clients and possesses an intimate knowledge of the local real estate market. Steve’s unique marketing program combines skill with the latest cutting-edge technology in advertising.

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W e a r e at o u r b e s t a n d w e m a x i m i z e our success when act now

Dr. Frederick Jacobs - Speaks:

Purpose, Passion, Peace and Prosperity Dr. Frederick Jacobs Pastror/entrepenure Managing Member Charlie & Mema’s Soul Food & BBQ Restaurant Celebrity Soul food Cafe drjacobsgam@gmail.com (310) 734-3989 949-306-6779

The Orange County Realtist kicks off the year with their annual Prayer Breakfast featuring Dr. Fredrick Jacobs at Celebrity Soul Food Buffet in Lake Forrest CA. January 23, 2015. To learn more about the OC Realtist go to www.ocrealtist.org. Dr. Fredrick T. Jacobs Ministerial and Business Visionary is making his mark into this generation of change. Dr. Jacobs speaks and shares with those he encounters a story of hope and empowerment. At the age of 26 Dr. Jacobs accepted his call to Pastor in his home state Florida, after being a Youth Pastor and traveling Evangelist . He pursued his education and received his Bachelors in Business, Masters in Theology and Doctorate in Psychology. This trailblazer, spiritual leader, entrepreneur is not short of influence and the key component of life “Wisdom”. While in college Dr. Jacobs managed a Mental Health Facility. It is at this place that he grasped a hold to the method that you can’t have spirtuality without some psychology. He speaks to those who are open to hear a message that says you have to participate in your own life choices. This Pastor is a sought after speaker traveling across the country speaking to Congregations, Married Couples, Domestic Violence Platforms, Youth, and Young Adults. 17

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The Stolen American Dream

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October 16-17 2014 with Tom Holmes (CAREB) Tom Holmes Financial Advisor Holmes Financial holmesfin@gmail.com Holmes Financials Sacramento Realtist Association http://www.sacramentorealtist.com/ Member

State of Housing In Black California Policy Conference “The Stolen American Dream” October 16-17 2014 Consolidated Board of Realtist 3725 Don Felipe Drive Los Angeles, CA 90008 *Reclaiming the Dream of Homeownership! *Renovating Democracy in Housing *Rebuilding Wealth andLegacies in the Community!

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The Stolen American Dream October 16-17 2014 with ray carlyle (CAREB) Ray Carlyle NID Housing Counseling Agency raycarlisle@nidonline.org 510-268-9792

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The Stolen American Dream

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October 16-17 2014 with maxine waters (CAREB) Maxine Waters Congresswoman Maxine Waters (D-CA) Ranking Member of the House Financial Services Committee

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The Stolen American Dream October 16-17 2014 with evelyn reeves (CAREB) Evelyn Reeves First Security Investment fsico@sbcglobal.net (323)299-7900 323-428-4222 4602 Crenshaw Boulevard Los Angeles, CA, CA 90043

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Anita Estell Presents at The State of Housing in Black California Anita Estell President and CEO of the Estell Group

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The California Association of Real Estate Brokers (CAREB) called California-based real estate industry professionals, government policy experts, housing advocates and others for a two-day conference, October 16 and 17, 2014, in Los Angeles. “Homeownership for African Americans is in serious jeopardy. In 2013, more than 6.1 million mortgage loans were made in the United States and of those, African American borrowers received fewer than 386,000 of those loans,” said Mark Alston, First Vice President of the California Association of Real Estate Brokers (CAREB) and Broker/Owner of Los Angeles-based, Alston & Associates Mortgage Co. Anita is the President and CEO of the Estell Group, LLC a full-service, bi-partisan Washington, DC-based firm that provides a comprehensive suite of government affairs and communications services to cities, universities, non-profits, major corporations and other entities. With more than 25 years of experience working in Washington, DC, Anita’s achievements at the national level are unparalleled. As a pioneering principal of the top independent lobbying firm in Washington, DC and now managing principal of the Estell Group, Anita is considered a master operative and continues to indelibly demonstrate her bona fides as a tested and successful attorney and federal relations and policy executive.

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Speaker’s Forum 2015

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Women in Diversified Services 2015 Conference

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GPS Chart Your Business... Destination and Success Shelley Kaye Executive Director Co-Founder: Women in Diversified Services Direct: 949-734-3466 Fax: 949-656-7004 shelleykaye@womeninds.com

TALKING POINTS: 1. About Women in Diversified Services 2. WinDs Conference GPS (Grow Prosper Sustain) 3. The WinDs Membership Value Proposition 4. How to Register for the conference www.windsconference2015.com

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The Power Agent Spotlight

Mickelin Burnes-Browne Mickelin Burnes-Browne

Talking points:

Broker,Realtist, Realtor, SRES, CPRES, Veteran Certified USA Cares Regional VP Northern California Assoc. of Realtist CalBRE #01082776 408-569-0978 direct http://about.me/mickelin Mickelin@soldbymickelin.com

- Her beginning - Her experience selling real estate - Her tactics/strategies - Her team and operation. - Her results/success in 2014. - Her plans for the future 2015 and beyond. Expansion - Her advice and words of encouragement to buyers and sellers - Her Final comments to our audience and about the Power Is Now Radio.

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NAHREP 2014 Convention

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interview with Patricia De santos

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interview with Nely Galan

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interview with MJ Watkins

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interview with Mike Oyoque

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interview with Maria and Stephanie

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interview with John Macias

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interview with Joe Vela

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interview with Donell

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interview with Charo

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interview with Carmen Chong

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interview with Betty Saldana

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interview with Armando Tam

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The Power Agent Spotlight

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Rochelle Jones, Realtor/Realtist Rochelle Jones Residential, Commercial, and Investment Real Estate NRBA - TX Master Broker, USREOP, SFR, CDPE, Five Star

Welcome to The Power Agent Spotlight a special edition of The Power Is Now Online Radio. The Power Agent Spotlight is for Real Estate Agents who standout as the best of the best in the Industry. These are Real Estate Agents with years of experience and top performance. They have it all: Professionalism, Education, Certifications and Results! Join our next call and learn more about: Start as an agent Real Estate Experiences as an agent and broker owner Team and business operation Production results and overall success in real estate Plans for the future and opportunity forecast Guest speaker information: Rochelle P. Jones Realtor/Realtist Foreclosure & Short Sale Specialist Rochelle@rochellesoldit.com www.rochellesoldit.com 19708 NW Fwy. Stuite 2800 Houston, TX 77065 Cell: 281-8506536 Office: 281-200-2220 Fax: 281-200-2221

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NAREB National Annual Convention 67th

Interview Realtors from New York National Association of Real Estate Brokers, National Annual Convention 67th, Donnell Spivey 28th President, Empowering Realtist to Make a Change, 2014 Convention Theme: Homeownership Priority #1 Convention Location Renaissance Baltimore Harborplace Hotel, 202 E. Pratt Street Baltimore, Maryland 21202

Harriet Robertson NRBA, CDPE, NAREB, AREAA Licensed Real Estate Broker Brooklynnybpo LLC 1028 Lincoln Place Brooklyn, New York 11213 email: harriet.a.robertson@brooklynnybpo.com Phone (347) 406 8369 Cell Phone: (917) 740-7367 Fax : (866) 234-1739

BESSIE EDWARDS bessredwards@gmail.com http://www.facebook.com/bredwards http://www.bredwards.com

ANNIE MARIE STANISLAUS Annemarie@reservedrealty.com annemleonard@gmail.com

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The Power Is Now Buyers and Sellers Club

FHA 3% Grant Program Learn about Intercap Lending FHA .55% Down Payment Assistance Program

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Show flyer Information: http://issuu.com/eric_frazier/docs/buyers_and_sellers_nov_13_v10_006c85c6b2140e Provides Grant funds of 3% of the Mortgage Amount (Note Amount) to be used towards the down payment, for the purchase of a primary residence. Real Estate for Sale: Anthony Catanzaro - Palisades Real Estate of Fort Lee http://issuu.com/eric_frazier/docs/property_for_sale_11-13-2014/0 David and Sandy Stites - Coldwell Banker Associated Brokes Realty http://issuu.com/eric_frazier/docs/david_and_sandy_flyers/0 Please follow the Power Point Presentation: http://issuu.com/eric_frazier/docs/.5__dap_rev._3.pptx National Sales Manager NMLS#461807Ph: 800-261-1634 ext. 703Intecap Lending First Time Home Buyer PresentationContact Information: www.thepowerisnow.com/intercaplendingLoan Application Website: www.thepowerisnowteam.com

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The Power Is Now Buyers and Sellers Club

Cove Financial - Rent to Own Program Elizabeth Schermerhorn Business Development Manager Cove Financial

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Cove Financial Group Inc. (Cove) is a real estate investment company operating in 16 states that purchases and then leases and sells single family residential (SFR) homes through its Mortgage Alternative Program (MAP). MAP is an innovative â&#x20AC;&#x153;lease and later ownâ&#x20AC;? program that features a standard form real estate purchase contract, a lease and a proprietary purchase agreement with an escrow period of up to 6 years, giving customers time to cure the issues preventing them from getting a mortgage while enjoying many benefits of home ownership Cove Presentation: http://issuu.com/eric_frazier/docs/map_program_-_11-4-2014_presentatio/0 Flyer/Agenda: http://issuu.com/eric_frazier/docs/cove_financial_v3?e=6370880/10043670 Andy Pereira, Broker Associate Century 21 EN Achievers Featured Home for Sale: http://issuu.com/eric_frazier/docs/mysti-4_new_price/0 Ameer J. Elahee, Real Estate Agent Keller Williams Featured Home for Sale: http://issuu.com/eric_frazier/docs/justlistedcompton/0 Scott A. Cheramie, Broker Associate, Property Manager Meridian Property Group http://issuu.com/eric_frazier/docs/16004_pfc_paris_montanez?e=6370880/10044052 24

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The Power Is Now Buyers and Sellers Club

Buy Fixer Home with a Fixer Loan Skip Schenker President of Ready4Remolded

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Powerpoint Presentation: http://issuu.com/eric_frazier/docs/renovation_financing_-_the_power_is/0 The Power Is Now Discount Code for Ready4Remolded Training: PIN50 Real Estate for Sale: Kennedy Atelotsu - Nations Realty | Washington Homes for Sale: http://issuu.com/eric_frazier/docs/nations_realty_flyers/0 Monica HIll - MVP Real Estate & Investments LLC. | California Home For Sale: http://issuu.com/eric_frazier/docs/monica_hills_flyers Bob Irish - Lake Hills Realty | California Homes For Sale: http://issuu.com/eric_frazier/docs/bob_irish_flyers/0 Newport Beach Realty: Meet Bob Irish | Video: http://youtu.be/kVqJcdV4xVA Home for Sale | 121 36th Street Newport Beach CA 92663 | Video: http://youtu.be/MP95h9kVIa8 Website: www.intercaplending.com Appy Online: www.closeontimeguarantee.com

W e a r e at o u r b e s t a n d w e m a x i m i z e our success when act now

The Power Is Now Buyers and Sellers Club

Buy Fixer Home with a Fixer Loan Learn about Intercap Lending FHA 203k Program and Ready4Remoldel rehabilitation program

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Theme: Buy Fixer Homes with Fixer Loans Show flyer Information: TDB Real Estate for Sale: Kennedy Atelotsu - Nations Realty http://issuu.com/eric_frazier/docs/nations_realty_flyers/0Monica HIll - MVP Real Estate & Investments LLC.http://issuu.com/eric_frazier/docs/monica_hills_flyers/0 Please follow the Power Point Presentation: TBD Eric L. Frazier MBANational Sales Manager NMLS#461807Ph: 800-261-1634 ext. 703Intecap Lending efrazier@intercaplending.comLoan Application Website: www.intercaplending.com/thepowerisno

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The Power Is Now VIP AGENT LYNELL HOLDEN:

1465 Monterey Street, Richmond, CA Lynell Holden PO Box 3031 Fairfield CA. 94533 Office: 707-273-1225 Direct: 707-208-6897 E-fax: 510-280-7240 lholden95@yahoo.com www.holdenhomes4u.com

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There are numerous qualities and aptitudes that go into being a fantastic real estate broker, being proficient, respectable, trustworthy, and becoming a specialist in neighborhood and marketing information are just a few. Luckily for her clients, Lynell Holden has all of these qualities. Through her years of experience, sales, organizational skills, charm, and professionalism, she has been able to make a difference, release the burdens, affect lives in a positive way. What people don not know is that Lynell does not just write contracts or show houses; she makes friends and clients for life! Her client first logic has dependably been her methodology and it obliges Lynell to persistently enhance her aptitudes and methods for working with her clients.

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The Power is Now: NATIONAL FAIR HOUSING ALLIANCE

WITH LISA RICE

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Lisa Rice EVP , NHFA lrice@nationalfairhousing.org Mobile: 202-898-1661 1101 Vermont Avenue NW Ste. 710 Washington DC 20005

In her capacity as Executive Vice President with the National Fair Housing Alliance, Ms. Rice oversees the marketing, communications, resource development, public policy and enforcement initiatives of the agency. She is responsible for helping to achieve the organization’s goal of addressing the crisis of segregation in America and the ultimate goal of realizing a truly open society. Lisa joined NFHA in 2006 after serving as CEO of the Toledo Fair Housing Center and the Northwest Ohio Development Agency (NODA). The Fair Housing Center is one of the nation’s premier fair housing organizations. NODA, which Lisa helped to found, is a community development financial institution providing below-market interest loans, grants and financial services to historically under- served markets. While serving at the organizations, Lisa developed and implemented the state of Ohio’s first predatory lending remediation program. PRESENTATION: https://issuu.com/eric_frazier/docs/expanding_opportunity_-_understandi 26

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Commercial Real Estate Working with Wealth Managers and Debt Free Investing Sanford D. Coggins VisionWise Capital, LLC 30012 Ivy Glenn Drive, Suite 240 Laguna Niguel, CA 92677 Office: (949) 441-5580 Cell: (949) 235-6030 www.visionwisecapital.com

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Commercial Real Estate Working with Wealth Managers and Debt Free Investing. DISCUSSION POINTS: 1. Vision Wise Capital - Wealth Management and Commercial Real Estate 2. Debt free real estate investing? 3. Wealth Advisors as your target market 4. Strategies to protect investors and Wealth Managers. 5. Is buying commercial real estate the best move for investors now?

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How REALTORS? Can Help Their

Clients Improve Their Credit Scores! Nabil Captan National Trainer Credit Scoring Expert Captan & Company 21286 Monaco Circle Huntington Beach, California. 92646 Toll Free: 888-300-2850 Fax : 714-903-6133 Cell : 714-225-3349 Nabil@nabilcaptan.com www.nabilcaptan.com

Header: How REALTORS? Can Help Their Clients Improve Their Credit Scores! Theme: The Truth about Credit Scores: www.ftc.gov, www.cfpb.gov, www.myfico.com DISCUSSION POINTS 1. Are mortgage default victims willing and prepared to go back to homeownership? 2. How Fannie, Freddie FHA and FHA waiting periods work? 3. How FHA back to work program works? 4. Whose responsibility to help credit challenged clients rebuild their credit profiles? 5. What realtors can do to recapture this neglected population?

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Springboard Empowering Lives Through Knowledge:

Springboard Nonprofit Consumer Cr Sheri L. Stuart Senior Communications Specialist Education Manager Springboard Nonprofit Consumer Credit Management Address: 4351 Latham Street, Riverside, CA 92501 p 1.800.449.9818 | p 951.779.7750 | f 951.328.7750 Credit.org | HomeOwnership. org | BKHelp.org | Deuda.org

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Header: Springboard Empowering Lives Through Knowledge Theme: Springboard Nonprofit Consumer Credit Management Celebrates 40 Years of Service Discussion points 1. How did Springboard get started? 2. What is the mission/vision of the organization? 3. What kind of services does the agency provide? 4. What accreditations/certifications has Springboard acquired? 5. Are there any other ways that Springboard engages in the community?

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NAREB National Annual Convention 67th

Interview with Sharon Middlebrooks Sharon Middlebrooks Women Council Of Dallas Association Of Real Estate Brokers Broker Owners Woman Council OF DALLAS ASSOCIATION Estate BROKERS wcdareb@gmail.com 2143715507 2143763195 wcdareb.com

National Association of Real Estate Brokers National Annual Convention 67th Donnell Spivey 28th President Empowering Realtist to Make a Change 2014 Convention Theme: Homeownership Priority #1 Convention Location Renaissance Baltimore Harborplace Hotel 202 E. Pratt Street Baltimore, Maryland 21202

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VRMU Evolving with the Industry Mr.Vincent Humphrey Director, Strategic Partnerships vhumphrey@vrmco.com vrmuniversity.com vrmco.com commercial.vrmco.com Ms.Marion Napoleon Manager of Training and VRMU National Instructor mnapoleon@vrmco.com vrmuniversity.com vrmco.com commercial.vrmco.com

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Subject: VRM University - Evolving with the Industry Theme: Prepare for the future now Talking Points: 1. VRM University - educating the housing industry and real estate professionals 2. How VRM can help you improve performance and develop new business relationships and opportunities 3. VRM University Current course offerings for Housing & Real Estate Professionals 4. Client based Training support 5. New Academy Training: leadership and development training - More than REO 6. VRM Webinar Special Event for The Power Is Now: Think Mobile, Global and Social

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How to Develop an Entrepreneur Mindset

Leadership Best Practices Tami Bonnell CEO Exit Realty 400 Trade Center Suite 5900 Woburn Mass Best Number :01801 1-877253-3948 Cell 1-781-888-4331 tami@exitrealty.com

HEADER: How to Develop an Entrepreneur Mindset THEME: Leadership Best Practices DISCUSSION POINTS: 1. No Drama. 2. Develop Everyone. 3. Be Presence â&#x20AC;&#x201C; Start with Time Blocking. 4. 6 Week Action Plan-Be the General on the Hill. 5. Connect with others doing it right.

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NACA - The American Dream Events

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Title: American Dream Event in Los Angeles, CA NACA Services 225 Centre Street, Roxbury, MA 02119 services@naca.com www.naca.com NACA Home Save 225 Centre Street Roxbury, MA 02119 homesave@naca.com www.naca.com

The Neighborhood Assistance Corporation of America (“NACA”) is a non-profit, community advocacy and homeownership organization Talking Points: 1. NACA History 2. State of Loan Modification and how NACA Making a difference 3. Testimonial from family who benefited from NACA help 4. American Dream Event - All the Major Banks will be in attendance 5. Who will actually be there and what is the NACA mandate? 6. How to register for the American Dream Event? 7. America’s Best Mortgage - 100% financing.

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Realogy - Leading the Industry Alex Perriello

2014 AREAA’s Person of the Year Alex Perriello CEO Realogy Franchise Group miriam.santana@realogy.com

Topic: Realogy Leading the Industry Alex Perriello 2014 AREAA’s Person of the Year. 1). ZipRealty acquisition & Realogy Acquisition strategy 2). FWD Innovation Summit - www.realogyfwd.com by invitation only every Spring 3). Realogy’s multi-brand strategy and industry leadership 4). Realogy’s commitment to diversity in our industry NAHREP, NAREB, AREAA, NAGLREP, etc. 5). Real Estate Market Forecast

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HERA and CRC - Making the Case for

Immediate Federal intervention Kevin Stein California Reinvestment Coalition 474 Valencia Street, Suite 230 San Francisco, CA 94103 415-864-3980 kstein@calreinvest.org www.calreinvest.org Twitter: CalReinvest FaceBook: California Reinvestment Coalition

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HEADER: HERA and CRC- Making the Case for Immediate Federal intervention THEME: Wall Street, Cash Investors outbid FTHBs, Displace Tenants & have Altered the Fabric of Local Communities Discussion points: 1. HERA - Housing and Economic Rights Advocates 2. Making Neighborhoods Worse - Preference for Cash Investors and Bulk 3. Sales of REO and Distress Mortgage 4. The New Housing Bubble - Artificial Inflation of Home Prices 5. Wall-Street Backed Investment in Rentals and Rent Securitization: Impacts on Tenants and Communities 6.Tightened Lending: Not Making Loans Available to Qualified Homebuyers

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NAREB Annual National Convention 67th

Interview with Autumn Urling Autumn Urling Licensed MortgQge Broker NJ Dept. Of Banking & Ins. CEO FIRST PRESTIGE MORTGAGE SERVICES, INC. 110 Valley Road, Montclair New Jersey 135747 USA media@autumnsrealdeal.com 9737448300 8553423030 9737448355 lstprestigemortgage.com

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The Power Is Now Buyers and Sellers Club

Cove Financial - Rent to Own Program Elizabeth Schermerhorn Business Development Manager Cove Financial

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Cove Financial Group Inc. (Cove) is a real estate investment company operating in 16 states that purchases and then leases and sells single family residential (SFR) homes through its Mortgage Alternative Program (MAP). MAP is an innovative “lease and later own” program that features a standard form real estate purchase contract, a lease and a proprietary purchase agreement with an escrow period of up to 6 years, giving customers time to cure the issues preventing them from getting a mortgage while enjoying many benefits of home ownership View the powerpoint presentation and agenda by clicking the link below: Cove Presentation: http://issuu.com/eric_frazier/docs/map_program_-_11-4-2014_presentatio/0 Flyer/Agenda: http://issuu.com/eric_frazier/docs/cove_financial_v3?e=6370880/10043670 Andy Pereira, Broker Associate Century 21 EN Achievers Featured Home for Sale: http://issuu.com/eric_frazier/docs/mysti-4_new_price/0 Ameer J. Elahee, Real Estate Agent Keller Williams Featured Home for Sale: http://issuu.com/eric_frazier/docs/justlistedcompton/0 Scott A. Cheramie, Broker Associate, Property Manager Meridian Property Group http://issuu.com/eric_frazier/docs/16004_pfc_paris_montanez?e=6370880/10044052

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CRC Opposition to CIT Bank and

One West Bank (OWB) Merger Kevin Stein Associate Director California Reinvestment Coalition 474 Valencia Street, Suite 230 San Francisco, CA 94103 Ph: 415-864-3980 Email: kstein@calreinvest.org Website: www.calreinvest.org Follow us on Twitter: @CalReinvest FaceBook Page: https://www. facebook.com/calreinvest

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CRC Opposition to CIT Bank and One West Bank (OWB) Merger CRC’s Position: There is No Evidence This Transaction will provide a Public Benefit: This merger should not be approved without substantial conditions that would ensure that the Bank adequately reinvests in communities where its customers reside, helps revitalize neighborhoods still suffering from the effects of the foreclosure crisis that Indymac and OWB helped create, and otherwise provides a public benefit that outweighs the continuing public costs imposed by Applicants. The California Reinvestment Coalition opposes this merger in its current form Discussion Points: 1. California Reinvestment Coalition Mission and Objectives 2. Mistakes by Policymakers and Regulators allowing profit at the expense of taxpayers 3. The Legal Standards for Merger Approval Have Not Been Met 4. There is No Evidence This Transaction will provide a Public Benefit 5. Creating a Too Big to Fail (SIFI): Systemically Important Financial Institution 6. Extending the Comment Period for the Public to Review CRA Performance 32

W e a r e at o u r b e s t a n d w e m a x i m i z e our success when act now

Wayne Wyatt President of the NAREB Inland Empire Joe Lopez Next Media Marketing Skip Schenker President Ready 4Remodel Buy Fixer Homes with Fixer Loans Success Money Financial Services Manager of The Power Is Now Inc. Elizabeth Schermerhorn Executive at Cove Financial Group Inc.

The Realtor Business Development Workshop

October 23, 2014 Subject: Realtor Business Development Workshop, October 23, 2014

Register today: https://www.eventbrite.com/e/realtor-business-development-workshop-tickets-13118217943 AGENDA October 23rd , 2014 Inland Valley Association of Realtors 3690 Elizabeth Street Riverside, CA www.ivaor.com 8:30 AM PST to 2:00 PM PST FREE TO AGENTS

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The State of Housing in Black California

The “Stolen” American Dream Derrick Luckett Direct: (619) 454-3339 President of the California Association of Real Estate Brokers Mark Alston Direct: 310-963-1415 President of the National Association of Real Estate Broker National Political Action Committee, 1st Vice President of California Association of Real Estate Brokers

Subject: The State of Housing in Black California (Policy Conference) Theme: “The Stolen American Dream”, October 16-17, 2014. Talking Points: 1. The State of Housing in Black California (Policy Conference): The Stolen American Dream 2. CAREB, The Real Estate Trade Association 3. The Policy Conference: Agenda 4. Membership to CAREB

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Lease to Purchase Mortgage Alternative Program

COVE Financial Elizabeth Schermerhorn Business Development Manager Cove Financial

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Cove Financial Group Inc. (Cove) is a real estate investment company operating in 16 states that purchases and then leases and sells single family residential (SFR) homes through its Mortgage Alternative Program (MAP) Listen to a very informative discussion with Eric Frazier, Host and Elizabeth Shermerhorn. Business Development Manager MAP is an innovative â&#x20AC;&#x153;lease and later ownâ&#x20AC;? program that features a standard form real estate purchase contract, a lease and a proprietary purchase agreement with an escrow period of up to 6 years, giving customers time to cure the issues preventing them from getting a mortgage while enjoying many benefits of home ownership View the powerpoint presentation by clicking the link below: Presentation: http://issuu.com/eric_frazier/docs/map_program_-_11-4-2014_presentatio/0

W e a r e at o u r b e s t a n d w e m a x i m i z e our success when act now

The Power Is Now Buyers and Sellers Club

FHA 3% Grant Program Eric L. Frazier MBA National Sales Manager NMLS#461807 Ph: 800-261-1634 ext. 703 Intecap Lending First Time Home Buyer Presentation Contact Information: www.thepowerisnow.com/ intercaplending Loan Application Website: www.thepowerisnowteam. com

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Learn about Intercap Lending FHA .55% Down Payment Assistance Program Show flyer Information: http://issuu.com/eric_frazier/docs/buyers_and_sellers_nov_13_v10_006c85c6b2140e Provides Grant funds of 3% of the Mortgage Amount (Note Amount) to be used towards the down payment, for the purchase of a primary residence. Real Estate for Sale: Anthony Catanzaro - Palisades Real Estate of Fort Lee http://issuu.com/eric_frazier/docs/property_for_sale_11-13-2014/0 David and Sandy Stites - Coldwell Banker Associated Brokes Realty http://issuu.com/eric_frazier/docs/david_and_sandy_flyers/0 Please follow the Power Point Presentation: http://issuu.com/eric_frazier/docs/.5__dap_rev._3.pptx 34

W e a r e at o u r b e s t a n d w e m a x i m i z e our success when act now

Private Equity Lending & Acquisition with

Robert Fragoso Robert Fragoso Executive Vice President AnchorLoans FINANCING FOR INVESTORS 1 7777 Center Court Dr. Suite 150 Cerritos, CA 90703 310.345.2696 Cell www.anchorloans.com email: info@anchorloans.com

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The difference between Hard Money & Private Equity Weekly Radio Program about Real Estate for Real Estate Professionals Go to www.thepowerisnow.com for more information about the Power Is Now. From helping you source business, getting your clients approved for loans, and closing your deals - The Power Is Now is committed to adding value to Real Estate professionals. TALKING POINTS: Anchor Loans – The Company: Past, Present and Future Our Clients Real Estate Agent & Investors The Residential Market Business opportunity Anchor Loans – The Lender: Volume and business lending area – CA now, Coming Soon: AZ, NV, FL Difference between hard money and Private equity Lending Programs: Fix & Flip Loans – 90% LTC up to 65% ARV 2million. Shared Appreciation Loans - up 100% LTC 80% ARV with zero down. Property types: Residential SFR & Multi-family and limited Commercial (no single use) Easy qualifying for business to business.

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The Power Is Now Buyers and Sellers Club

Cove Financial - Rent to Own Program Elizabeth Schermerhorn Business Development Manager Cove Financial

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Cove Financial Group Inc. (Cove) is a real estate investment company operating in 16 states that purchases and then leases and sells single family residential (SFR) homes through its Mortgage Alternative Program (MAP). MAP is an innovative “lease and later own” program that features a standard form real estate purchase contract, a lease and a proprietary purchase agreement with an escrow period of up to 6 years, giving customers time to cure the issues preventing them from getting a mortgage while enjoying many benefits of home ownership Cove Presentation: http://issuu.com/eric_frazier/docs/map_program_-_11-4-2014_presentatio/0 Flyer/Agenda: http://issuu.com/eric_frazier/docs/cove_financial_v3?e=6370880/10043670 Andy Pereira, Broker Associate Century 21 EN Achievers Featured Home for Sale: http://issuu.com/eric_frazier/docs/mysti-4_new_price/0 Ameer J. Elahee, Real Estate Agent Keller Williams Featured Home for Sale: http://issuu.com/eric_frazier/docs/justlistedcompton/0 Scott A. Cheramie, Broker Associate, Property Manager Meridian Property Group http://issuu.com/eric_frazier/docs/16004_pfc_paris_montanez?e=6370880/10044052 35

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2016 Housing Conference

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Elizabeth Bracart, Attorney at Law Elizabeth Brancart Brancart & Brancart 8205 Pescadero Road Loma Mar CA, 94021 (650) 879-0141 ebrancart@brancart.com

Ms. Brancart is a partner at the law firm Brancart & Brancart located in Pescadero, California, that specializes in federal fair housing litigation. She graduated from the University of California, Boalt Hall School of Law in 1985, then clerked for the Honorable Vincent L. McKusick, the Chief of Justice of the Maine Supreme Judicial Court. Since 1994, Ms. Brancart has represented plaintiffs in federal fair housing litigation, focusing on appellate and motion work before the district courts. She has represented plaintiffs in Fair Housing Acts cases in the Supreme Court of the United States, the Ninth Circuit Court of Appeals and Federal District courts. Some of her notable fair housing cases are Meyer v. Holley, 537 U.S. 280 (2003); Pacific Shores Properties, LLC v. City of Newport Beach, 730 F.3d 1142 (9th Cir. 2013); Giebeler v. M&B Associates, 343 F.3d 1143 (9th Cir. 2003); and Harris v. Itzhaki, 183 F.3d 1043 (9th Cir. 1999).

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Credit and Trended Data update by Advantage Credit Plus President Delia Zuniga Delia Zuniga Advantage Plus Credit Peoria, AZ 8538 Phone: (623) 889-8999 Fax: (623) 889-8998 Email: delia@advantagepluscredit.com

President Zuniga explains the role of Credit Reporting agencies and how they help consumers.

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NAREB National Annual Convention 67th

Interview with Pamela Jolly Pamela Jolly CEO Torch Enterprises Inc. pamelajolly@torch-enterprises.com 2026565593 torch-enterprises.com

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National Association of Real Estate Brokers National Annual Convention 67th Donnell Spivey 28th President Empowering Realtist to Make a Change 2014 Convention Theme: Homeownership Priority #1 Convention Location Renaissance Baltimore Harborplace hotel 202 E. Pratt Street Baltimore, Maryland 21202

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NAREB National Annual Convention 67th

Interview with REGINA CROTHERS Regina Crothers CROTHERS Luxury Home Specialist METRO BROKERS regina.crothers@metrobrokers. com 4043172048 4043935909 678320490000 1075 Fairburn Rd. SW Suite 109 Atlanta, Georgia 30331 USA luxury.metrobrokers.com

National Association of Real Estate Brokers National Annual Convention 67th Donnell Spivey 28th President Empowering Realtist to Make a Change 2014 Convention Theme: Homeownership Priority #1 Convention Location Renaissance Baltimore Harborplace hotel 202 E. Pratt Street Baltimore, Maryland 21202

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The Power Is Now: Riverside Public Library

with Tonya Kennon Tonya Kennon Library Director 3581 Mission Inn Avenue P.O. Box 468 Riverside, California 92502 Phone: (951) 826-5213 Fax: (951) 826-5407 RPLlibrary@riversideca.gov

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Tonya Kennon is Library Director for the City of Riverside. Since beginning a career in Librarianship, she has also worked for the County of Riverside and Tustin Unified School District where her jobs have included County Librarian and Library Services Supervisor among others. In her current role, Kennon is responsible for short and long-term strategic planning, managing financial and human resources, and ensuring that library services, materials, and resources evolve in ways that meet community need. Kennonâ&#x20AC;&#x2122;s interests include removing barriers to information access and educational resources, early learning, informing, mentoring and supporting young women and new library professionals, and advancing diversity in the field.

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Rose Mayes

Riverside Fair Housing Counsel Rose Mayes Executive Director Fair Housing Council of Riverside County, Inc.

Ms. Mayes has over 28 years of experience in Business Management, Civil Rights, and Fair Housing. Ms. Mayes is a community leader and serves on numerous boards and commissions at the local and regional levels. She was recently acknowledged at a HUD conference for her foresight in addressing the foreclosure crisis that still affects many families.

3933 Mission Inn Ave Riverside, CA 92501 Phone: (951) 682-6581 Fax: (951) 682-0262 rosemayes@fairhousing.net

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2016 Housing Conference Lilianita Brumfield, DFEH Lilianita Brumfield Supervisor of Housing Unit: California Department of Fair Employment and Housing (213) 439-6703 lilianita.brumfield@dfeh. ca.gov

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LINK TO PRESENTATION: https://issuu.com/eric_frazier/docs/defh-california_s_civil_rights_agen Ms. Brumfield has been employed with the State of Californiafor 34 years. She began her service in 1980 with the department of Motor Vehicles where she held the position of Manager II (Administrative Manager). In 2000, she was hired by the Department of Fair Employment and Housinf as a Consultant I and promoted through the ranks and now holds the position of Consultant III Supervisor for the Housing Unit. She possesses supervisory and managerial skills and has excellent housing program knowledge and investigative skills.

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Pastor John Wells Lead Pastor, Mountain View Community Church pastorjohnwells@gmail.com https://www.facebook.com/ PastorJohnWells http://twitter.com/#!/MVPASTOR https://profiles.google. Estella Cline REALTOR DRE: 01916646 Cell:951-704-5031 exitthroughfaith@gmail.com Exit Twin Advantage Realty 39755 Murrieta Hot Springs Rd. Murrieta, CA 92563 Office : 951-445-4200 Fax: 951-698-1818

Free Foreclosure Workshop

Meet with a Certified HUD Counselor Header: Free Foreclosure Workshop Theme: Meet with a Certified HUD Counselor and your Bank. Discussion Points: 1. Workshop Details - Linda Jackson Manager NID HUD Counseling Agency. 2. Moving from Surviving to Thriving - Estella Cline - Exit Realty/Habitat For Humanity. 3. Meeting the Needs of the Community - Dr. Pastor John Wells

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NAHREP 2014 Convention

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The Voice of Hispanic Real Estate Rich Hernandez Co-Chairman National Association Of Hispanic Real Estate Professionals (NAHREP) Cell: 805-857-4181 Office number: 805-366-4838 rich@comfortres.com http://nahrep.org

The NAHREP 2014 Conference October 12-14, 2014 The Voice of Hispanic Real Estate Discussion points: 1. The History NAHREP. 2. The Mission and Vision of NAHREP 3. Why become a member of NAHREP 4. The NAREP 2014 Conference Details and why you should attend. Discount Code for The Power Is Now Listeners: PowerIsNow2014

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Springboard Empowering Lives Through Knowledge:

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Sherry Swift

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Productivity Coach/Training & Development Sherry Swift Educator, Coach, Consultant & Trainer www.sherryswift.com sherswift@kw.com Cell: 248-719-2400

NAREB 67th Mid-Winter Conference, Las Vegas, Nevada Discussion Points: 1. Why you need Coaching in Real Estate - Freedom, Flexibility and Finance 2. Showing up everyday in your business - Be the CEO in your business. 3. Ms. Swift background & career path from Teacher to Real Estate agent to Coach & Consultant 4. How Sherry helps agents take their business to the next level 5. Her greatest challenge and lesson in life - the death of her parents 6. The NAREB Mid-winter Conference 2014 7. What does the phrase “The Power Is Now” mean to Sherry Swift

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Jeffrey Hicks 3rd Vice President of NAREB Jeffrey Hicks 3rd Vice President of NAREB Website: www.nareb.com Associate Broker Apollo Associate Realty 1077 R.D. Abernathy Blvd. Atlanta GA 30310 Cell: 404-234-4994 Main: 404-753-7373 www.aplolloassociatesrealty. com

NAREB 67th Mid-Winter Conference, Las Vegas, Nevada Discussion Points: Jeffrey Hicks background and career path in Real Estate His role and responsibilities as 3rd VP How Jeffrey became a Member of NAREB The 67th Mid Winter Conference Response to Carol J . Galante FHA Commission presentation Les Brown exhortation to NAREB members to Partner up. What does the phrase “The Power Is Now” mean to Jeffrey

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Pastor John Wells, Lead Pastor, Mountain View Community Church pastor.johnwells@gmail.com Facebook, Twitter, Google Estella Cline, REALTOR 01916646, Cell:951-704-5031 exitthroughfaith@gmail.com Exit Twin Advantage Realty 39755 Murrieta Hot Springs Rd. Murrieta, CA 92563 Office : 951-445-4200 Fax: 951-698-1818 Linda Jackson, Branch Manager NID Housing Counseling Agency linda.jackson@nidie.org Phone: 909-887-8700 2050 North Mount Vernon Ave. San Bernardino, CA 92511

W e a r e at o u r b e s t a n d w e m a x i m i z e our success when act now

Free Foreclosure Workshop: Meet with a Certified HUD Counselor

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Header: Free Foreclosure Workshop Theme: Meet with a Certified HUD Counselor and your Bank. Discussion Points: 1. Workshop Details - Linda Jackson Manager NID HUD Counseling Agency. 2. Moving from Surviving to Thriving - Estella Cline - Exit Realty/Habitat For Humanity. 3. Meeting the Needs of the Community - Dr. Pastor John Wells

W e a r e at o u r b e s t a n d w e m a x i m i z e our success when act now

The Power Is Now Interview

with Ron Cooper Ron Cooper Broker/OwnerR.S. Cooper & Associates Realty 1st Vice President & President-Elect NAREB3731 Stocker Street, Suite 110 Los Angeles, CA 90008 Office: 323-299-4876 Fax: 323-290-4034 ron_cooper@rscooper.com

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Foreclosure Defense Education

Save Your Home America - Foreclosure Defense Anthony Boyd Save Your Home America World Convention Address:7426 Cherry Ave #351 Fontana, CA 92336 www.saveyourhomeamericaconvention.com info@loanauditexperts.org Phone: 888-777-7760

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Theme: Save Your Home America - Foreclosure Defense DISCUSSION POINTS 1. Save Your Home America World Convention 10/25 Pomona Fairflex 2. What is Securization? - How Banks are Making Money 3. Securization Assignments - Does the Lender Really Own Your Note? 4. The Lost Note - How Can The Banks Claim to Own Your Note? 5. Fraudulent Assignments - Notary Fraud & Fictitious Signers 6. Broken Change of Title - False Identity, Forge deed, Incorrect Signing, & Mistakes Save Your Home America DVD Series by Anthony Boyd Anthony Boyd, Author of The Bottom-line DVD Series Experience Bank Fraud Examiner, Licensed LDA and UDA, & License Real Estate Agent Anthony Has Avoided Paying a Mortgage for Over a Decade. http://www.loanauditexperts.org/index.html http://www.ezlegaldocs.org/

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William T. Robie

Honorary President & Realtist Member since 1950 William T. Robie Robie Real Estate Company 93 Anderson Ave. NW Atlanta, Georgia 30314 Phone: 404-794-3146

NAREB 67th Mid-Winter Conference - Las Vegas, Nevada Discussion Points: 1. His start in real estate and membership with the Realtist in 1950 2. Segregation and Discrimination in Atlanta Georgia the 1950s 3. His life Story - from the plantation to college Professor and Real Estate Broker 4. Dealing with adversity and protesting during the Civil Rights movement. 5. He was a Buffalo Solider in 365 Infantry Regiment in WWWII 92nd Black Buffalo Division in Italy 1944 to 1945 6. Involvement in City of Atlanta for 75 years in Community, Politics, Business Leagues, Civil Rights and Real Estate organizations 7. Why every should become Realtist 43

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NAREB National Annual Convention 67th

Interview with WANDA M. PETTY Wanda M. Petty Washington D. C Chapter President wandapetty@nrswv.org wp@employ-vets.com 3015417398 3013223438 1300 Mercantile Lane Suite 139-GG Largo Maryland 20774 USA varep.net

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National Association of Real Estate Brokers National Annual Convention 67th Donnell Spivey 28th President Empowering Realtist to Make a Change 2014 Convention Theme: Homeownership Priority #1 Convention Location Renaissance Baltimore Harborplace hotel 202 E. Pratt Street Baltimore, Maryland 21202

W e a r e at o u r b e s t a n d w e m a x i m i z e our success when act now

NAREB National Annual Convention 67th

Interview with RON BUSBY Sr Ron Busby Sr. President U.S.Black Chamber, Inc. ron@usblackchambers.org 202 463 8722 1156 15th Street NW, Suite 1100 Washington, DC 20005 USA www.ushlackrhambers.org

National Association of Real Estate Brokers National Annual Convention 67th Donnell Spivey 28th President Empowering Realtist to Make a Change 2014 Convention Theme: Homeownership Priority #1 Convention Location Renaissance Baltimore Harborplace hotel 202 E. Pratt Street Baltimore, Maryland 21202

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NAREB National Annual Convention 67th

Interview with Rick Herrera Rick Herrera Director of Communication Neighborhood Assistance Corporation of America rherrera@naca.com 5855 Executive Center Dr. Charlotte, Inc. 28212

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National Association of Real Estate Brokers National Annual Convention 67th Donnell Spivey 28th President Empowering Realtist to Make a Change 2014 Convention Theme: Homeownership Priority #1 Convention Location Renaissance Baltimore Harborplace hotel 202 E. Pratt Street Baltimore, Maryland 21202

W e a r e at o u r b e s t a n d w e m a x i m i z e our success when act now

NAREB National Annual Convention 67th

Interview with RENEE HARRIS Renee Harris Real estate Real estate agent Confidence Realty Group rharrisc21@yahoo.com 210-685-1116 Broker Owner, USAF Ret. REO Cert. CDPE, BPOR

National Association of Real Estate Brokers National Annual Convention 67th Donnell Spivey 28th President Empowering Realtist to Make a Change 2014 Convention Theme: Homeownership Priority #1 Convention Location Renaissance Baltimore Harborplace hotel 202 E. Pratt Street Baltimore, Maryland 21202

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NAREB National Convention 67th Interview with Maurice Muhammad Maurice Muhammad, Broker A TorchLight Realty mmuhammad@pr534.com 484 894 8100 6104391527 EXT 707 4842291112 435 W. 7th Street Suite. 3A New Jersey 07060 1244 Hamilton Street Allentown, Pennsylvania 18102 USA www.progressivegealty.org

National Association of Real Estate Brokers National Annual Convention 67th Donnell Spivey 28th President Empowering Realtist to Make a Change 2014 Convention Theme: Homeownership Priority #1 Convention Location Renaissance Baltimore Harborplace hotel 202 E. Pratt Street Baltimore, Maryland 21202

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NAREB National Convention 67th

Interview with Emerick Peace Emerick Peace Team Leader KW emerickpeace@kw.com 240-737-5001 240-737-5000

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National Association of Real Estate Brokers National Annual Convention 67th Donnell Spivey 28th President Empowering Realtist to Make a Change 2014 Convention Theme: Homeownership Priority #1 Convention Location Renaissance Baltimore Harborplace hotel 202 E. Pratt Street Baltimore, Maryland 21202

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NAREB National Convention 67th

Interview with DaRayl Davis Darayl Davis Founder & CEO SMART MONEY ACADEMY darayl@smartmoneyacademy. com 2022104365

National Association of Real Estate Brokers National Annual Convention 67th Donnell Spivey 28th President Empowering Realtist to Make a Change 2014 Convention Theme: Homeownership Priority #1 Convention Location Renaissance Baltimore Harborplace hotel 202 E. Pratt Street Baltimore, Maryland 21202

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Becoming Significant The difference between Significance & Success Douglas R. Bender, Sr. Managing Partner Onyx Global HR LLC 110 Pine Avenue, Suite 910 Long Beach, CA 90802 866.715.4806 (office) 714.724.2424 (cell) dbender@onyxglobalhr.com www.onyxglobalhr.com

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DISCUSSION POINTS 1. What is significance? 2. How does one become significant? 3. What is the difference between significance from success? 4. How do significant people behave? 5. What are major hindrances to achieving significance ? 6. Enduring Principle in life to remember

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Carrington Real Estate Services

Carringtonâ&#x20AC;&#x2122;s New Breed of Real Estate Wendy Forsythe EVP/Head of Global Operations Carrington Real Estate Services (CA), Inc 1610 E. Saint Andrew Place, Suite B-150E Santa Ana, CA 92705 Office: 949.517.6832/Cell: 310.988.5148

Talking points: 1. Wendy Forsythe, EVP & Head of Global Operations 2. History Carrington Holding Company - Bruce Rose CEO 3. The Carrington Real Estate Brokerage Business Model 4. The Carrington Value Proposition for Real Estate Agents

Wendy.Forsythe@carringtonres.com www.carringtonrealestate.com Like Us: www.facebook.com/carringtonres Follow Us: www.twitter.com/carringtonres 48

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Real Estate Auctions.Com:

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Fast, Transparent, Mutually Beneficial Brian Kuzdas CEO and Founder Direct Office Line: 650.391.9074 Cell Phone: 708.774.7470 1765 Scott Blvd., Suite 209 Santa Clara, California 95050

Theme: Fast, Transparent, Mutually Beneficial to buyer and seller to Transact Real Estate DISCUSSION POINTS 1. Brian Kudaz, CEO & Founder - His story 2. Real Estate Auction. COM - the company 3. The Growing Popularity of Auctions 4. Are Auctions a Threat to Real Estates and Traditional marketing 5. The Business Opportunity for Real Estate Agents

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RIO Genesis Taking Your Business

To The Next Level Charis Wayman, President RIO Software Solutions, Inc. 7026758250 Charis@RioGenesis.com www.RioGenesis.com RIO Genesis BPO Assistant Ted Zimmer Stacy Hall, Co Founders & Developers reoted@charter.net Bposupport@riogenesis.com 8777828187 Or 8557462500

Theme: FEE BPO’s are HOT HOT HOT

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Talking points: Genesis Portal and how we have clients assigning Fee BPO’s and listings Online offer submission why it benefits agents to use Auto generated recruiting and sales flyers by one click of a button Work smarter not harder with RIO Genesis BPO Assistant Produce bpo reports for Fannie Mae in less than 5 minute Works with all major REO platforms Learn to create a fee bpo business that will earn you 6 figures a year Free: RIO Gensis Platform: https://riogenesis.com/register_freelimited.php No credit card required Free: BPO Assistant Platform: Promo Code - POWERINBPO 49

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NAREB’s 67th Annual Convention JoAnne Lyons Wooten NAREB Executive Director 9831 Greenbelt Road Lanham, MD 20706 301-552-9340 Donnell Spivey NAREB National President 9831 Greenbelt Road Lanham, MD 20706 Office: 410-465-0083 / 410680-2004 Mobile: 443-277-1744 Fax: 410-465-0091 d.spivey@nareb.com

Homeownership Priority #1

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Discussion Points:

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NAREB’s 67th Annual Convention information Donnell Spivey 67th National President, NAREB overview of the Convention Adrea Hilliard Cooksey, National Chair, NAREB Board of Directors Joanne Lyons Wooten, Newly appointed National Executive Director History of NAREB and 67th National Convention details

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Andrea Hilliard Cooksey NAREB National Chair 9831 Greenbelt Road Lanham, MD 20706 Mobile: 832-215-9081 accokseyrealestate@gmail

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The Power Is Now Politics:

Congresswoman Loretta Sanchez Loretta Sanchez, 46th District, House of Representatives 1114 Longworth HOB, Washington, DC 20515, P: (202) 225-2965, F: (202) 225-5859 www.lorettasanchez.house.gov

Discussion Topics: The significance of Obama’s Second Term What does Congresswoman Sanchez believe the priorities of the Obama Administration should be? Sequestration – The Deficit Mortgage Interest Deduction...should it stay or go? 50

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The Power Is Now Literacy Lounge Celebrating National Poetry Month with The Power of Words is Now! Where the Power is Now and the Spoken Word Lives Forever.

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POETS AND POETRY: Poems by Ebony • His Life • I am Poems by Tata • Where I come from • Dedication to my Future Daughter Poems from Maura Gale Questions and Answers Segment

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Ebony Atandarè, Age 23 San Bernardino, CA atandare_ebony@yahoo.com https://www.facebook.com/ ebony.atandare Thato Nsele, Age: 21 South Africa, Free-State, Bethlehem naiira4@gmail.com https://www.facebook.com/ thato.nsele Maura Gale Speaker, Actor, Author & MC mauragalea@gmail.com http://mauragale.com

W e a r e at o u r b e s t a n d w e m a x i m i z e our success when act now

The Power Agent Spotlight:

Donnell Spivey

Donnell Spivey President, NAREB donnell@exitspiveypros.com

Discussion points:

Donnell Spivey’s background and accomplishment Experiences as a Real Estate Agent and Broker owner Tactics/strategies for success Team and business operation Production results and overall success in real estate Plans for the future and opportunity forecast Business advice and words of encouragement

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The Power Is Now Technology:

Abdi Ahmed Abdi Ahmed Chief Technology Officer Power for Agents.com a subsidiary of NetServe Systems, Inc. 1360 Reynolds Av. Ste. 120 Irvine, CA. 92614 Office: 949-752-6788 Fax: 949-752-6750 abdi@netservesystems.net www.netservesystems.net

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Empowering Real Estate Professional with Technology Discussion points: Mobile Devices: Essential Tools for Real Estate Agents Provide More Timely Information to Your Clients with Apps Effectively Utilizing QR Codes to Attract Buyers & Sellers Taking Advantage of Services in Cloud Services

W e a r e at o u r b e s t a n d w e m a x i m i z e our success when act now

Monetizing Notes with

Jeff Merrick of Granite Loan Solutions Jeff Merrick CEO, Granite Loan Solutions www.granitels.com jmerrick@graniteloansolutions. com (714) 381-3592

1st Lien - Residential - Non-performing - Discounted Mortgage Notes Discussion points:

How do NPNs (non-performing notes) differ from REO opportunities Why would an investor want NPNs Advanced exit strategies / business practices Six different ways to earn on one note What product is available and the prospect for future product How does one get the product?

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Power Agent Spotlight: Jonathan Burgess Jonathan Burgess Broker/Owner Code 3 Realty 3112 O Street Sacramento, CA 95816 P: (916) 455-5225 ext. 6 F: (916) 290-0151 JonBurg@Code3Realty.com www.code3realty.com

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Discussion Points:

Start as an agent Real Estate Experiences as an agent and broker owner Team and business operation Production results and overall success in real estate Plans for the future and opportunity forecast

W e a r e at o u r b e s t a n d w e m a x i m i z e our success when act now

Real Estate Fraud with Paul E. Zellerbach Paul E. Zellerbach Riverside County District Attorney www.RivCoDA.org

Talking points:

Real estate property crimes Foreclosure Fraud Foreclosure Rescue Scams Loan Medification Fraud Public Education and Outreach

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Intercap Lending

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“The Past, Present and Future” Jamil Atcha, CEO NMLS# 317082 Intercap Lending Aliso Viejo Parkway, Ste. 100 Also Viejo, CA 92656 (949) 208-6868 ext. 1001 www.intercaplending.com

Intercap Lending “Creating Homeownership with Less Obstacles” Discussion Points: 1. Intercap Lending Company History 2. Programs that make a difference at Intercap Lending - FNMA, FHLMC, GNMA Direct 3. Career Opportunities at Intercap – Sales, Operations, Management - Growth company with many opportunities - Eric Frazier Joins Intercap’s Lending as National Sales

Jamil Atcha, CEO Intercap Lending, NMLS # 317082, (949) 208-6868 ext. 1001, Fax: (949) 271-8725 jatcha@intercaplending.com

W e a r e at o u r b e s t a n d w e m a x i m i z e our success when act now

Louis Reda Division Manager Intercap Lending, NMLS # 9931 800 #: (866) 644-1046 ext.7624, Direct line: (949) 325-7624, Fax: (949) 201-1124 Lreda@intercaplending.com

Manager 4. The Power Is Now Online Radio Platform - Intercap’s Partnership - Education, Opportunity & Information 5. Intercap Lending future shows on the Power Is Now - Credit Overlays - How to leverage Intercap’s Call Center capture leads - 203k Program - The best way to buy your dream home - ½ down payment program in California - Dod Frank – Regulatory Reform

Real Estate Internet Leads Contact, Cultivate, Close 1. Why Real Estate Agents need to pay attention 2. Getting into the Lead Generation game 3. Who is the best Lead Gen Company? 4. Best Practices to maximize ROI 5. Technology/ Human Resources for Lead Generation

Intercap Lending 26880 Aliso Viejo Aliso Viejo, CA 92656 54

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The Power Agent Spotlight:

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Darren Johnson, REO & HUD Broker Darren Johnson, Broker, Commercial & Residential REO and Short Sale Certified Johnson & Johnson Realty Co. 7071 Orchard Lake Road, Suite 110, West Bloomfield, Michigan 48322 P: (248) 737.9993 F: (248) 630.1599 www.johnsonandjohnsonrealtyco.com

Discussion Points:

Start in Real Estate business Experiences as an agent and broker owner Tactics/strategies for success Team and operation in two states Production results and overall success in real estate Plans for the future and opportunity forecast Business advice and words of encouragement

W e a r e at o u r b e s t a n d w e m a x i m i z e our success when act now

Annette C. Collier Broker and Realtist Annette C. Collier, Broker ABLE Real Estate, Inc. 3639 Spring Garden Street Philadelphia, PA 19104 Office: 215-ACE -3700 Toll Free: 877-ABC-6624 www.ablerealestate.net

NAREB 67th Mid-Winter Conference, Las Vegas, Nevada Discussion Points: Why Annette became a Realtist Her transition from employment to a self employed real estate agent How she started working with investors Her educational background and investor experience Starting her own business as a broker Doing business in Philadelphia - the challenges and opportunities What does the phrase â&#x20AC;&#x153;The Power Is Nowâ&#x20AC;? mean to Annette

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Stacey Mollison President of Empire Board of Realtist Stacey Mollison, President Empire Board of Realtist, Inc. 686 Joseph E. Lowery Blvd. S.W. Atlanta, Georgia 30310 Phone: 404-755-5575 www.empireboard.com empireboardatl@gmail.com

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NAREB 67th Mid-Winter Conference - Las Vegas, Nevada Discussion Points: Empire Board of Realtist formed in 1939 - Joined NAREB in 1947. Celebrating 75 years. The Empire Board boast to have the most past National presidents and the oldest Active Realtist Board Member. Her Start in Real Estate in 2001 and with the Women Council of the Realtist Running a non-profit volunteer organization makes you a better leader What Inspires Stacy about NAREB and being a Realtist Her career path to becoming a real estate broker and the creation of Libra Management Group. Becoming an REO Broker and adding Government Contracting to her business Her Goals for 2014 as President of the Empire Board of Realtist and as a Real Estate Broker What does the phrase “The Power Is Now mean” to Stacey. Great Quotes from Stacey Mollison: “when something happens in your life don’t get mad, don’t get angry, pay attention because it is time for change” Whatever that it is. You have to pay attention so you can make a change”, Stacey Mollison

W e a r e at o u r b e s t a n d w e m a x i m i z e our success when act now

Kandice Robins

MBA Broker/Owner Realtist Kandice Robins, MBA President CDPE, SFR HUD Listing Broker Robins Realty, LLC 18161 Morris Ave. #207 Homewood, IL 60430 Phone: 708-960-4359 www.robinsrealty.org robins@comcast.net

NAREB 67th Mid-Winter Conference - Las Vegas, Nevada Discussion Points: Her education and work experience in Chicago Her introduction to Real Estate in Homewood, Illinois Breaking to Default Services - REOs and BPOs Becoming a HUD listing Broker State of Chicago real estate - Judicial Foreclosure Working Hard - Her Business Goals for 2014 What does the phrase “The Power Is Now mean” to Kandice

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2016 Housing Conference

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Elizabeth Bracart, Attorney at Law Elizabeth Brancart Brancart & Brancart 8205 Pescadero Road Loma Mar CA, 94021 (650) 879-0141 ebrancart@brancart.com

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The Power Is Now Features Tammy Turner, Author and Global Speaker Tammy L. Turner www.mytammyturner.com

NAREB 67th Mid-Winter Conference, Las Vegas, Nevada Discussion Points: Her journey to becoming an author and motivational speaker On the spot coaching of how to introduce yourself to strangers. Overview of her essay “How To Talk To Strangers” Overview of her 2nd book “A Soul of Winner” and her essay “How Poverty Made Me Rich” Creating generational wealth for herself and her family What does the phrase “The Power Is Now” mean to Tammy NAREB members are “Realtist” a lessoned learned at NAREB. “Procrastination is the enemy of progress” - Tammy Turner

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Our “A” Games Starts with How We Look! Rocky Chugani, Designer Rocky’s Custom Clothes 13934 Ventura Blvd. Sherman Oaks, CA 91423 Cell: (818) 430-7352 www.rockyscustomclothes. com

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The Power of Fashion for Men & Women Discussions points: 1. What should every male & female business professional have in their wardrobe? 2. What are hot designs? Floral, animal print, solids, strips, hound tooth, herringbone, glen plaid, window pane 3. What are the colors that men and women should were during the fall and winter? 4. What are the hottest styles for men and women right now? 5. Who are the best designers with the best fabric for custom suites? 6. Why buy custom suits when you get quality suits on the rack at Nordstroms or Macy?

W e a r e at o u r b e s t a n d w e m a x i m i z e our success when act now

Kandice Robins

MBA Broker/Owner Realtist Kandice Robins, MBA President CDPE, SFR HUD Listing Broker Robins Realty, LLC 18161 Morris Ave. #207 Homewood, IL 60430 Phone: 708-960-4359 website: www.robinsrealty.org Email: robins@comcast.net

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Establishing Yourself

as an REO Agent Carmen Delgado Portfolio Manager PMH Financial (A Division of Stewart Lender Services) Email: cdelgado@stewart.com Phone: 626/391-4860

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From helping you source business, getting your clients approved for loans, and closing your deals - The Power Is Now is committed to adding value to Real Estate professionals. Join our next call and learn more about: Join our next call and learn more: BPO Due Diligence Broker Expectations Client Requirements Agent Best Practices Quote: Good, Better, Best. Never let it rest until your Good is Better and your Better Best (Marc Farfel)

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Increase Profits with

Social Marketing & Mobile Technology John D. Reyes President Social NetworX Inc. 7375 Day Creek Blvd. Suite #103 Rancho Cucamonga, CA 91739 909.786.2107 support@socialnetworxinc. com www.socialnetworxinc.com

John Reyes, President of Social NetworX and his team have developed an industry leading training program that helps simplify technology for the real estate community. Discussion Topics: 1. Increase Referral Business with Social Networking 2. Generate More Online Leads with Video 3. Video Ideas & Concepts 4. Technology & The Changing Market 5. The Importance of Becoming a Paperless Agent

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Sabrina Jackson, “The People Expert”

Speaker, Author and Coach Dr. Sabrina Jackson Training | Speaking | Coaching Counseling | Consulting | Publishing Phone: 800-456-5495 Mobile: 323-895-1287 sabrina@sabrinajackson.com www.sabrinajackson.com

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NAREB 67th Mid-Winter Conference - Las Vegas, Nevada Discussion Points: 1. The moment of Silence the “ Pregnant Pause” in Speaking 2. Organizational Psychology - Teaching People how to deal with People. 3. There are only 4 basic types of People in the world - Dates back to 460 BC. 4. Her Ah Ha moment that resulted in becoming a professional speaker 5. A synopsis of her presentation on Communication at the Mid Winter Conference 6. What does the phrase “The Power Is Now” mean to Sabrina.

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Les Brown & Ona Brown Motivational Speakers Les Brown Phone: 800-733-4226 Email: les@lesbrown.com www.lesbrown.com www.lesbrownmotivation.com Ona Brown Phone: 305.999-5556 Email: info@onabrown.com www.onabrown.com

NAREB 67th Mid-Winter Conference - Las Vegas, Nevada Discussion Points: 1. Les Brown’s Story 2. Your “Energy Signature” 3. Partnering with Ona Brown his daughter 4. Coaching People on how to tell their story 5. Dealing with Adversity and focusing on your purpose and story 6. What does it take to become a speaker today 7. The importance of NAREB in the community 8. What does the phrase “The Power Is Now” mean Les & Ona

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Ed Jennings Jr. - HUD, Region IV Regional Administrator Ed Jennings, Jr. Region IV Regional Administrator Atlanta Regional Office 40 Marietta Street, NW, 2nd Floor Atlanta, GA 30303 Main: (678)-732-2009 Website: www.hud.gov

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NAREB 67th Mid-Winter Conference, Las Vegas, Nevada Discussion Points: 1. Mr. Jennings background and career path to HUD 2. The relevancy of NAREB and its Mission 3. The Affordable CARE ACT and The President 4. FHA Mortgage Insurance Premium 5. FICO Scores and Underwriting 6. The FHA Insurance Fund 7. What does the phrase “The Power Is Now” mean to him

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CWIRE - Connecting Women in Resources & Empowerment Tinarsha Brown Broker/owner Intero Real Estate Services.

DISCUSSION POINTS:

Constance Carter Broker/Co-owner Catalyst Real Estate Professionals

Introduction of CWIRE Founders CWIRE Networking Event - Great Information Event Theme: Be Phenomenal or Be Forgotten George Fraser of FraserNET Keynote Speaker Chris Johnson CEO of The Johnson Group Cost to attend the event - Unbelievable deal?

Shelia Green Broker/Co-owner Catalyst Real Estate Professionals

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Freddie Mac’s New “Streamlined Modification” Ryan McGuinness Ryan_mcguinness@freddiemac.com

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Discussion Points: The Streamlined Modification- Program Overview Freddie Mac’s Evaluation Hierarchy Borrower, Mortgage and Property Eligibility Soliciting the Borrower- Servicer Requirements Trial Period Plans and Loan Modification Terms

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Andrea Cooksey Chairwoman of NAREB

Featured on The Power Is Now Radio Andrea Cooksey RSS, CHC, SFR, CRM Chairwoman of NAREB www.nareb.com Broker/Owner Quality Properties 360? 4018 Chartres, Houston, TX 77004 Main: (713)-987-7000 www.qualityproperties360. com

NAREB 67th Mid-Winter Conference, Las Vegas, Nevada Discussion Points: 1. Mrs. Cooksey background and career path in Real Estate 2. Adapting to Markets & Opportunities: REO, Property Management, New Home Construction 3. Why she became a Member of NAREB - the Highway to Success 4. NAREB Is still fighting for Democracy in Housing for African American 5. The Affiliates of NAREB - the key to diversification of your business 6. NAREB’s network, education and mentoring will strengthen your business 7. The NAREB Mid-winter Conference 2014 8. What does the phrase “The Power Is Now” mean to Andrea

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Private Equity Lending & Acquisition with Robert Fragoso Robert Fragoso Executive Vice President AnchorLoans FINANCING FOR INVESTORS 17777 Center Court Dr. Suite 150 Cerritos, CA 90703 310.345.2696 | Cell www.anchorloans.com info@anchorloans.com

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TALKING POINTS: Anchor Loans – The Company: Past, Present and Future Our Clients Real Estate Agent & Investors The Residential Market Business opportunity Anchor Loans – The Lender: Volume and business lending area – CA now, Coming Soon: AZ, NV, FL Difference between hard money and Private equity Lending Programs: Fix & Flip Loans – 90% LTC up to 65% ARV 2million. Shared Appreciation Loans - up 100% LTC 80% ARV with zero down. Property types: Residential SFR & Multi-family and limited Commercial (no single use) Easy qualifying for business to business.

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Multi-Family Brokerage

How to list an Apartment Building of 5 or more units Robert Fragoso Executive Vice President AnchorLoans FINANCING FOR INVESTORS 17777 Center Court Dr. Suite 150 Cerritos, CA 90703 310.345.2696 | Cell www.anchorloans.com info@anchorloans.com

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Concerned about the new

Health Care Reform? Dr. Linell King Certified Internal Medicine Physician drking@conqueringage.com Phone: 239-273-9898 www.MeetDrKing.com

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Discussion Topics: 7 Steps to Achieving Ultimate Vitality Learn How to Transform Your Health Maximize Your Energy Discover Your Power Personality Launch of the Power Is Now Health Featuring Ultimate Vitality Radio Quote: “True Wealth Starts with Health”

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It’s Not What You Say, It’s What They Hear:

Part II with Shelly Cofini Shelly Cofini 1000 Newport Center Drive, Newport Beach, CA 92660 949.922.3698 O 949.528.3922F www.shellycofini.com

Topic: It’s Not What You Say, It’s What They Hear: Part II: The Consultative Approach to Real Estate… Speaker: Shelley Cofini, Business Consultant & Coach • How to form your professional team and who should be on it • What you personally need to know to grow your practice now • What tools you’ll need and where to get them • Where to get leads and how to convert them • Sustainable structures that you practice must have • Helping homeowners re-enter the market “The Fresh Start Program”

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Striving Instead Surviving In Today’s Market Marty Rodriguez Citrus Valley Association of Realtors Realtor of the Year REO, PREFORECLOSURE AND SHORT SALE CERTIFIED 2010 CENTURY 21 #1 TEAM IN THE U.S. mr@c21martyrodriguez.com Office: 626-914-6637 DRE License #00632854

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From helping you source business, getting your clients approved for loans, and closing your deals - The Power Is Now is committed to adding value to Real Estate professionals. Join our next call and learn more about: 1. How I got started and made it happen 2. Top 5 things I learned in the 80’s, 90’s, and the new millennium 3. Reinventing yourself through education 4. Running a Successful Real Estate Operation 5. Taking my business to the next level

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The NRBA…

Where the Best keep getting Better! Michael P. Krein, Ph.D President National REO Brokers Association, Inc.

Weekly Teleconference about Real Estate for Real Estate Professionals. Go to www.thepowerisnow.com The Power Is Now is committed to adding value to Real Estate professionals. Join our next call and learn more about: NRBA – Who we are, where we came from, where we are at now and where we are going. NRBA - The Association, the Mission & Vision The Default Industry – What the future holds. Clients – What they need more now than ever in this changing industry. The way to sustain a real estate business for long term success. RIO Genesis – The future of real estate system management.

Brandon Gallegos, NRBA Vice President Director of Client Relations 65

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The Power Is Now VIP Agent Program

Featuring Alisha Chen Alisha Chen, Broker President & CEO Cornerstone International Real Estate Office: (888) 880-8823 ext. 3001 Direct: (888) 505-9551 fax www.alishachenhomes.com www.cs-rei.com alisha@alishachenhomes.com alisha.chen@cs-rei.com

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Alisha Chen, Broker &President Cornerstone International Real Estate Sub Header: Leader in the Real Estate Industry and Advocate for Consumers. Discussion Points: 1. About Alisha Chen and Cornerstone International Real Estate 2. What makes Alishaso passionate about the business? Alisha’s strategies to help people buy or sell homes in his market area? What’s happening in Alisha’s market area? Inventory, transactions types and demographics? What makes Alishauniquely qualified to sell real estate and to represent buyers and sellers? Why you should call Alisha right now if you are thinking about selling or buying a home?

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31 Strategies for Generating &

Converting Leads with Michael Hellickson Michael Hellickson CEO and Founder Virtual Assistant Staffing 24 Hour Information Call: Phone: 206-300-1000 questions@VirtualAssistantStaffing.com www.VirtualAssistantStaffing. com

DISCUSSION POINTS: 31 Different Lead Generation Strategies (most of which are FREE). Michael and other top agents use to list ridiculous numbers of homes each week! 3 Things Your Website MUST HAVE to capture and convert buyer traffic and RIDICULOUS RATES! The World’s Best Closing Technique that works EVERY time! Becoming a Ninja Sales Person with cat-like reflexes and “mad” skills! Exactly how Michael went from 0, to over 417 RETAIL listings in under 10 months, and how you can too! Guaranteed referrals...?yes, it is possible!

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2016 Housing Conference Lilianita Brumfield, DFEH Lilianita Brumfield Supervisor of Housing Unit: California Department of Fair Employment and Housing PHONE: (213) 439-6703 EMAIL: lilianita.brumfield@ dfeh.ca.gov

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President Zuniga explains the role of Credit Reporting agencies and how they help consumers.

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TPIN & National Fair Housing Alliance National Conference 2016 with Lisa Rice

Lisa Rice EVP , NFHA Work: lrice@nationalfairhousing.org Mobile: 202-898-1661 1101 Vermont Avenue NW Ste. 710 Washington DC 20005

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The Power Is Now:

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Riverside Public Library with Tonya Kennon Tonya Kennon Library Director 3581 Mission Inn Avenue P.O. Box 468 Riverside, California 92502 Phone: (951) 826-5213 Fax: (951) 826-5407 RPLlibrary@riversideca.gov

Tonya Kennon is Library Director for the City of Riverside. Since beginning a career in Librarianship, she has also worked for the County of Riverside and Tustin Unified School District where her jobs have included County Librarian and Library Services Supervisor among others. In her current role, Kennon is responsible for short and long-term strategic planning, managing financial and human resources, and ensuring that library services, materials, and resources evolve in ways that meet community need. Kennon’s interests include removing barriers to information access and educational resources, early learning, informing, mentoring and supporting young women and new library professionals, and advancing diversity in the field.

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Rose Mayes Riverside Fair Housing Counsel Rose Mayes Executive Director Fair Housing Council of Riverside County, Inc. 3933 Mission Inn Ave Riverside, CA 92501 Phone: (951) 682-6581 Fax: (951) 682-0262 rosemayes@fairhousing.net

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The Power Is Now Home Buyers Seminar

Buy Now with Zero to Very Little Money Down Presented by: Eric Lawrence Frazier MBA President and CEO | Speaker CA BRE # 01143484 | NMLS # 461807 www.thepowerisnow.com eric.frazier@thepowerisnow. com O: 800-261-1634 x 703 | F: 800-261-1634 Direct: 714-361-2105

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BUYER’S CLUB LIVE TELECONFERENCE: • Learn about Zero Down Payment Home Loans • Learn about Down Payment Assistance Programs • Learn about credit and underwriting requirements • Ask any question about the home loan process • Learn how to buy a 4 unit home as a first time home buyer Join us Live on Online TV at https://zoom.us/j/5443077305 on Every Tuesday Night from 7:00 PM to 8:30 PM Download the App and Watch us Live Meeting ID: 544 307 7305 iPhone one-tap: 14086380968, 5443077305# or 16465588656,443077305# Telephone: 1 408 638 0968 (US Toll) or 1 646 558 8656 (US Toll)

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The Power Is Now CAREB Conference 2016 - Day 1 Presented by: Eric Lawrence Frazier MBA President and CEO | Speaker CA BRE # 01143484 | NMLS # 461807 www.thepowerisnow.com eric.frazier@thepowerisnow. com O: 800-261-1634 x 703 | F: 800-261-1634 Direct: 714-361-2105

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CAREB CONFERENCE 2016 WEDNESDAY NOVEMBER 16, 2016 The Power Is Now Inc., is a Mortgage Brokerage Licensed by the State of California CALBRE License #1980407 and is not affiliated with any state or federal agency. Go to www2.dre.ca.gov for verification. The Power Is Now Inc., is also licensed by the NMLS License #1435243. Go to www.nmlsconsumeraccess. org for verification. The Power Is Now Inc., is an equal housing lender. Our corporate office is located at: 379 6th Street Riverside, CA 92501. Telephone and Fax: 800-401-8994. Eric Lawrence Frazier, MBA is a California Licensed Loan Originator NMLS# 461807. This is not a commitment to lend or extend credit. Restrictions may apply. Information and/or data is subject to change without notice. All loans are subject to credit approval. Not all loans or products are available in all states.

W e a r e at o u r b e s t a n d w e m a x i m i z e our success when act now

The Power Is Now CAREB Conference 2016 - Day 2 Presented by: Eric Lawrence Frazier MBA President and CEO | Speaker CA BRE # 01143484 | NMLS # 461807 www.thepowerisnow.com eric.frazier@thepowerisnow. com O: 800-261-1634 x 703 | F: 800-261-1634 Direct: 714-361-2105

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The Power Is Now Home Buyers Seminar

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W e a r e at o u r b e s t a n d w e m a x i m i z e our success when act now

The Power Is Now Home Buyers Seminar

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The Power Is Now:

HUD Redlining Complaint

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Filed by CRC Against Kevin Stein Associate Director California Reinvestment Coalition 474 Valencia Street, Suite 230 San Francisco, CA 94103 Ph: 415-864-3980 Email: kstein@calreinvest.org Website: www.calreinvest.org Follow us on Twitter: @CalReinvest FaceBook Page: https://www. facebook.com/calreinvest

OneWest Bank

Caroline Peattie Executive Director Fair Housing Advocates of Northern California (formerly Fair Housing of Marin), 1314 Lincoln Avenue, Suite A, San Rafael, CA 94901 (415)457-5025, ext 106 Direct: (415)483-7552 TDD: (800)735-2922 peattie@fairhousingnorcal.org www.fairhousingnorcal.org

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REAL ESTATE UPDATE IN IVAOR BY MARK DOWLING,

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CEO OF INDIAN VALLEY ORGANIZATION Mark Dowling, CEO 3690 Elizabeth St. Riverside, CA 92506 Haven Executive Park 10574 Acacia Street, Unit D-7 Rancho Cucamonga, CA 91730 Office: 951-684-1221 Cell: 909-222-7092 www.ivaor.com Follow me on Twitter: @MarkDowlingIVAR The Voice of Real Estate in the Inland Empire

With more than 20 years of real estate and community development experience, Mark serves as the Chief Executive Officer for the nonprofit, Inland Valleys Association of REALTORS® or “IVAR”. With more than 4,000 members, IVAR is one of the largest REALTOR® associations in California, and ranked 85 largest nationally. At its core, IVAR provides a variety of support services that help its members be more competitive in the real estate marketplace. Key services include: REALTOR® education and training, government affairs advocacy, multiple listing services, and professional standards oversight and mediation. Prior to his position with IVAR, Mark served as the Economic Development Agency Administrator for the County of San Bernardino where he had the responsibility of overseeing four departments: Housing and Community Development, Workforce Development, Economic Development and the Redevelopment Agency. With more than 220 employees and combined department budgets in excess of $190 million, the Economic Development Agency (EDA) was tasked with facilitating economic growth and improving quality of life for the largest geographic County in the United States. 72

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TPIN Power Agent Spotlight:

Lorraine Santirosa Lorraine Santirosa Agents For Veterans at Mission Realty Group 8885 Rio San Diego Dr. #370 San Diego, CA 92108 Tel: 619-248-5484 CalBRE# 01427412

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TPIN Online Radio proudly presents an exclusive interview with Lorraine Santirosa also known as the “VA Queen, proudly serving military families and veterans with their real estate needs in San Diego. She is the most qualified Realtor in San Diego serving the military and veteran community. Lorraine has featured in the National Association of Realtors (NAR) Military Relocation Professional certification (MRP) for her expertise in the real estate community. Lorraine Santirosa is a tireless and expert advocate for veteran housing issues. In 2014, Lorraine Santirosa founded the website AgentsforVeterans.com; this is a worldwide network of agents serving members of the armed services and veterans with their real estate needs. In this episode, you will know more about “VA Queen,” Host and executive producer Eric Lawrence Frazier will discuss her career story and history in Real Estate world and the services which she provides. Furthermore, they will be discussing what the reason that made Lorraine Santirosa recognizable among the other real estate agents? She will also be discussing her goals for the upcoming year 2017.

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The Power Is Now - CAREB Conference 2016

Interview with Letty Alvarez

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THE POWER IS NOW RADIO SHOW HOST Eric Lawrence Frazier, MBA President and CEO The Power Is Now, Inc. Corporate Headquarters 3739 6th Street, Riverside, CA 92501 O (800) 401-8994 x 703 D (714) 361-2105 C (714) 475-8629 Skype: 714-845-7263 Skype ID: frazier.eric eric.frazier@thepowerisnow.com www.thepowerisnow.com

Eric Lawrence Frazier, MBA is the Founder & Executive Producer of the Power Is Now Online Radio Program. The Power Is Now target audience is real estate professionals throughout the united States. The Show is broadcast on Internet Radio everyday at various times throughout the day. The Power Is Now started as a teleconference call on August 20, 2009. Since then, the show has grown exponentially and as of April 2011 started broadcasting online through Blogtalkradio.com. Eric Frazier’s primary purpose for creating the programwastobearesourceforrealestateagents looking to grow and improve their businesses. The views, opinions, positions or strategies expressed by the speakers, authors and those providing comments on the Power Is Now Radio are theirs alone, and do not necessarily re ect the views of Eric Frazier, guest host(s) or their companies, subsidiaries, af liates or other organizations that Eric Frazier or his guest hosts may be employed or engaged in business. Eric Frazier has had the privilege of interviewing some of the industry’s top executives from companies and organizations such as Fannie Mae, Freddie Mac, Federal Home Loan Bank, Federal Reserve Bank and other highly in uential leaders in real estate asset management and banking. Our guest speakers see the Power Is Now Radio as a great medium to deliver relevant information about the real estate industry and to educate real estate agents nationwide. In exchange for our speakers’ time, we encourage them to promote their company product and services as well as other organizations they support. The format of the radio show is very informal and is a casual conversation with the Eric Frazier about a real estate related topic. After the discussion, there are questions from a special audience of VIP Real Estate Agents. The Eric Frazier may also have special cohost on the line to start off the questions. Once the Radio program is concluded, the recording is available to listen to nationwide. 1.2 million real estate agents nationwide receive frequent noti cations and emails about the Power Is Now Radio programing. All three Minority Real Estate Trade Associations and many Real Estate Associations in NAR endorse and support the Power Is Now Radio.