Rapidly Growing Profitable Virtual Mortgage Brokerage Firm

CO135, headquartered in the Midwest, is a mortgage brokerage company providing comprehensive loan programs and services to its customers.  An innovative and state-of-the-art Virtual Mortgage Consultant (VMC) sales team and management system costs a fraction of a traditional brick/mortar-based sales team.  This Virtual Sales Model sets CO135 apart from its competitors, is a key to enabling the Company to enjoy significant growth during this difficult real estate market, and will enable it to continue to thrive in these changing market conditions.    2009 revenue was $5.4 million with Net Profit of $1.04 million, a margin of 19%.

• Innovative Virtual Sales Organization – Developed and implemented state-of-the-art Virtual Mortgage Consultant (VMC) network.  One of the only such companies in the country.  CO135 incurs no added fixed cost when expanding the Virtual Mortgage Consultant (VMC) network. 
• Ability to Attract the Best Brokers – CO135 pays a 100% net commission, thus enabling it to attract the best and most experienced mortgage brokers to its team.  Commission is paid only when a loan is closed.    
• Unique Revenue Model – CO135 charges a filing fee of $500 and a processing fee of $400 per transaction. 
• Expanding Territory – In less than two years, CO135 has been certified and licensed to operate in nine (9) states and has applications pending in two (2) additional states. 
• National Lending Network – Top ten lenders process over 80% of all loans.  Overall network of 100 national lenders.
• Comprehensive Set of Services – Loan services include conventional, FHA/VA, reverse mortgages, interest only, refinancing, and commercial loans.  Loans are processed within 48 hours of submission of fully developed and documented applications.
• Highly Visible Loan Monitoring System – Web-based loan application monitoring system with 24 hour per day and 7 day per week visibility to the sales network.
• Innovative Marketing and Sales Tools – Web-based Marketing and Sales tools for development of referral sources and customers.
• Significant Growth – Significant growth in revenue and profitability since 2008.  Growth will continue as states and Virtual Mortgage Consultants (VMC’s) are added.   
  
  

  	Actual Year Ending 12/31/2008	Actual Year Ending 12/31/2009	Projected Year Ending 12/31/2010
  Revenue	$3,680,821	$5,420,996	$7,848,000
  Net Profit	$174,269	$1,041,018	$1,883,465
  Net Profit%	4.7%	19.2%	24%

  
  

That all information, data and materials disclosed or furnished (herein called the Information) by Clayton Capital Partners Acquisition Candidate CO135 (herein called the Company) will be maintained strictly confidential and that, in consideration for such disclosure, no use of the Information will be made by any signing party, or employees of such party, other than for internal evaluation purposes, on a strictly confidential basis.

It is understood that disclosure of any of the Information, including the possibility that the Shareholders may consider sale, disclosure of the current status of the Company, or disclosure of any information to customers, vendors, competitors, or employees of the Company would cause serious financial damage to the Company and/or its affiliates.

The undersigned also agrees that, for the term of this agreement, they will not solicit for employment any person who is currently employed by the Company.

Further, the undersigned agrees not to copy, duplicate, disclose or deliver all or any portion of the Information to a third party or permit any third party to inspect, copy or duplicate the same.

This shall not, however, prevent the undersigned from disclosing to others or using in any manner:

1. Information which has been published and has become part of the public domain other than by acts or omissions by the receiving party.
2. Information which has been furnished or made known to the undersigned by third parties as a matter of right without restriction of disclosure, or
3. Information which the undersigned can show was already in its possession at the time it entered into this Agreement and which was not acquired directly or indirectly from the Company, their representatives, its employees or their representatives.