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Account Executive Training SessionSummer 2010

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New Account Executives Apple Capital Group, Inc. Management Team

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Orientation of systems: eMail, phone system, CRM, deal submitting.

Introduction of everybody and company Products

Asset Based Lending (Loan, Factoring, Line of Credit, etc) Equipment Leasing & Financing Commercial Real Estate Lending Credit Card Processing “Central Payment” Personal Credit Repair – TRW Credit Business Credit Building – In-house/Seminars

Every AE should have◦ Phone, Fax/scanner/printer

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Apple Capital Group, Inc., is a nationwide commercial lender that offers a full suite of capital solutions for new and existing businesses. Our goal is be able to assist with your immediate financial needs, as well as develop a long-term partnership that will grow with your company as your needs change. Our highly trained team of Regional Account Executives will take the time to listen to your specific needs and then develop a custom financial solution to achieve your goals.

Although you may not be bankable with the traditional lending institutions because of unique circumstances such as limited company history, weak financial statements, lack of collateral or challenged credit, Apple Capital Group, Inc., has many alternative lending products to get the affordable capital your company needs. Whether you are in start-up mode, growth mode, or just in need of an infusion of cash, Apple Capital has a solution for you and the expertise to deliver quick, professional results. 

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·         Small to large ticket equipment leasing from $1K to $25M ·         Accounts Receivable Factoring up to $10M advance rate up to 90% ·        Purchase order financing | Asset-based Revolving Lines of Credit ·         Contractor | Freight Transportation | International Trade Financing ·         Commercial Real Estate Lending to $25M ·         Sale/leasebacks: (Both Equipment and Commercial Real Estate) ·         Hard Money | Bridge | Working Capital Loans ·         Master Lease Agreements | Term Flexibility Leases ·         Business plan and investor package development ·         Investment capital and private equity sourcing up to $50M ·         Local Municipalities, Federal/State Government and nonprofits ·         Credit Card Merchant Processing and cash advances (24 hours set-up) ·         (SBA) Small Business Administration Direct Leading from $250K to $6M

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We are currently partnering with: ◦ Brokers ◦ Dealers ◦ Vendors

Here are just a few of the reasons why our affiliates choose Apple Capital Group as their partner:◦ Our smooth and efficient processes will impress your clients and make your life

easier ◦ Our broad range of capital solutions will vastly expand your market potential ◦ Our extensive training and resources will be available to you ◦ We offer an aggressive compensation program designed for long-term partnership ◦ Our affiliate program extends nationwide. If you are interested in learning more

about becoming a Apple Capital Group affiliate please contact us for more information. To register to become an affiliate, please visit our affiliate registration page.

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"We will provide our clients with a full line of working capital solutions through a commitment to truly understanding their needs, their business and their current and future challenges. We will empower our clients to meet those challenges to achieve the growth and profitability they seek. We will build valuable, long-lasting partnerships with our clients to be their sole source of capital management solutions and foster a mutually beneficial relationship based on integrity, trust and the pursuit of excellence."

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Corporate Headquarters10151 Deerwood Park BoulevardBuilding 200, Suite 250Jacksonville, FL 32256-0856866.611.7457 Phone and Fax904.647.3222 Local Phone

www.applecapitalgroup.com and www.applecapital.org Alexander Cronfield – Los Angeles, CA Tim Jacquet – Dallas, TX Shanese Burns – Chicago, IL Susan Walker – Jacksonville, FL Gloria Mitchell – Omaha, NE Mark Funderburk – New York, NY

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Started in 2007 in Jacksonville, Fl Partnerships: Alex Cronfield & Shanese

Burns 2008 Tacapa Equity Partners became a

minor shareholder when is lead by Gloria Mitchell is the board representative

We Commercial Finance Direct Lender and loan broker

Clients focus on small and midsize businesses

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Headquarters in Jacksonville, Fl Branch Offices: Los Angeles, Dallas, Chicago Field AE: Florida, Texas, Nebraska Privately held with 2009 sales over 3.3M –

generated and fees 2009 FY Lend nearly $15M Has 29 employees

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Financial Sources Private Equity Group (Gloria Mitchell)

Headed◦ Fund one third of present deals

Outside funding (Banks, Finance Companies, and Private Equity Group)◦ Fund two-third of present deals

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Local & Friendly Personal Service A company you can grow with More financial products available then a

bank Caters to small and medium size business See Flyer…

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http://www.jacksonville.bbb.org/commonreport.html?compid=141059743

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Shanese Burns-Papadopulos, President & CEOhttp://www.linkedin.com/pub/shanese-burns/20/4bb/3bb

Alexander Cronfield, Senior VP & COO http://www.linkedin.com/pub/alexander-cronfield/1b/68a/263

Susan Walker-Gomez, Treasurer & CFO Mark Funderburk, Executive VP Of Capital Markets

Products, Merger & Acquisitions, Brokerage Gloria Mitchell, Executive VP Insurance Products John Dixon, Senior VP

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John Dixon, Senior VP◦ (jdixon@applecapitalgroup.com)◦ 904.240.4579 Direct Phone ◦ 866.611.7457 ext.130◦ Sales Assistant Primary – Oversee Account

Executives, Business Development Managers, District Managers, Product Training, AE Support, and new hires

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eMail System (Web based) OR first initial and last name and domain…

Phone System LOGIN:XXXXXXX OPTIONAL: Your Extension PASSWORD: 1+lastfour of your social

CRM System (Landslide)◦ https://applecapitalgroup.landslide.com/logon.faces◦ LOGIN: first initial and last name

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Submitting a DealsBy eMail: sales@applecapitalgroup.comBy Fax: 866.611.7457

Subject Line: DEAL TYPE (Company Name) (AGENT Name)

SAMPLE: EL DEAL CBS OFFICE SUPPLY – JJACQUETSAMPLE: SUPPORT DOCS #1 (TAX RETURN) CBS OFFICE SUPPLY- JJACQUETSAMPLE: SUPPORT DOCS #2 (A/R) CBS OFFICE SUPPLY – JJACQUET

Labeling… Application, Financials, AR/AP Aging, etc…

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ABLF – Factoring (24 to 72 hours) ABLBL – Business Loan (24 to 72 hours) ABLLC – Line of Credit (24 to 96 hours) EL – Equipment Leasing ( Same Day up to 24 hours) CREL – Commercial Real Estate Lending (72hrs to 2 weeks) TRW – Personal Credit Repair (Same Day) BCB – Business Credit Building (Same Day) CM – Capital Market Products (One Week) CC – Credit Cards (Same Day up to 24 hrs)

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Partnerships with Central Payment Corp – San Francisco and TRW Credit, Inc.

Partnerships with over 30 bank and commercial direct lenders in US and Canada

Territory of Lending primary in the US but we can lend in Canada.

2009 Annual Revenues over $3.2M in fees generated from AEs.

Goal for 2010 increase AE to 100, offer insurance and business brokerage products.

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Phone Computer Printer with Scanning and Faxing Business Cards, Applications, and Brochures

we supply

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What is needed for ABL Business Loans & Lines of Credit◦ Three Years of Financial Statements and Tax

Returns if not Compiled by CPA◦ Application for Financial Services

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Apple Capital Group, Inc. aims to become an industry leader in providing business finance solutions. Since its inception, Apple Capital has provided products and services to meet the capital needs of virtually any organization through its portfolio of corporate finance products. Our clients' bottom line benefits from our unique ability to align their specific capital need to a tailored finance solution. Apple Capital provides a full product suite of asset based lending, receivables financing, equipment leasing, commercial real estate, and capital markets programs.

Available Positions in all states.  Account Executives:  You will be responsible for business development activities including contacting leads, website traffic, direct mail pieces, cold calls and networking with other professionals and Business owners. Your job is to close business. You will be trained in a classroom environment and provided continuous training throughout your employment. You must have a College degree or Outside Sales experience to apply. First year income potential of $60K-$100K and more.

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Regional District Manager: The successful Candidate will have a minimum of 10 years Outside Sales/Sales Management experience and a network of business to business resources. Must be able to manage, sell and recruit new Account Executives in your region. Apple Capital Group, Inc. is a young company and as such there is excellent potential for promotion and growth. Your Comp plan is an extremely aggressive Commission Schedule and an override on all business in your region. Training is provided by Corporate once per month for new Account Executives via Web-x and weekly for continuing education. If you have an Entrepreneur’s heart and want to grow with a new company, stock options are available. First year income potential of $75K - $250K and more.

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Business Development Manager: This position will assist regional district manager and VP of Operations to identify and develop business opportunities via commercial, government and non-profit business for your commercial services. The Business Development Manager (BDM) will define and follow-up of monthly, quarterly and yearly targets and objectives, develop and implement strategies for new products and services, determine new opportunities by analyzing business needs, provide direction, guidance and support for account executives and regional district manager, pro-actively hunt for target organizations and establish communications with those businesses that can benefit from our Company's services, further develop multi-tier relationships to organically grow the clients' accounts, build referral and lead generation network, and implement business models so as to create new ventures. The Business Development Manager opportunity available in your area with Apple Capital is for a sales professional with a proven track record of accomplishments. Applicants should possess the leadership talents and work ethic to lead by example marketing our financial product solutions.  First year income potential of $75K - $250K commissions and overrides.

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ABL Account Receivable factoring◦ Financial Services Application◦ Aging Account Receivables ◦ Aging Account Payments (Might be needed) ◦ Copy of Sample Invoice◦ Copy of Contract, PO, or proof of delivery

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Two Applications◦ Under $50,000

Equipment Lease Application only but might need financials

Quote from vendor of equipment Please attach at least 1 year from $25,000 or more.

◦ Over $50,000 Equipment Lease Application Quote from vendor of equipment 2 years but 3 might be needed

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Commercial Mortgage Application◦ Financial Statements for 3 years and Tax return◦ Rent Roll◦ Brochure on Property

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National Equipment Finance Association National Association of Equipment Leasing

Brokers Commercial Finance Association Equipment Leasing and Financing

Association International Factoring Association

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Commissions 45%, 50% and 60% (See chart) Monthly and Quarter Bonuses Holiday Bonuses: Thanksgiving and

Christmas Longevity Bonuses

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We remove:◦ Bankruptcies◦ Tax Liens◦ Civil Liens◦ Judgments◦ Foreclosures◦ Slow Pays◦ No Pays◦ Repossessions◦ Student Loans◦ Inquiries◦ Old/Wrong Names◦ Old Addresses◦ Incorrect SS# Numbers◦ Incorrect Birth Dates◦ Incorrect Places of Employment◦ Charge Offs◦ Medical Bills

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SBA Financing Merchant Advances

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Cash Flow Unable to qualify for traditional bank loan

products due to: Insufficient operating history Profitability (or lack there of) Debt to equity ratio Guarantors Past bankruptcies Industry preferences

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Traditional Factoring◦ Based on actual invoices only

Receivables Line of Credit◦ May include production equipment◦ May include certain types of inventory

Both of above at lesser advance rates Tougher underwriting process - traditional

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The main difference between our factoring product and our line of credit product is the money management function.◦ FACTOR – invoice specific and begin paying when invoice is generated, automated process, Don’t have to request funds; they are automatically

advanced with each new factored invoice. No cap on total amount advanced; as receivables grow the amount advanced grows.

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LINE OF CREDIT – based on pre-approved line and begin paying only when they advance money on the line (Subject to monthly minimum), manual process, gives more control over the fees paid, the customer controls the timing and amount of each advance, capped at the LOC amount until an increase in the line is requested and approved

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The three parties directly involved are: the seller (our customer), account debtor and the factor.

The seller (our customer ) is owed money by the second party, the account debtor. The seller then sells one or more of its invoices at a discount to the third party, the specialized financial organization (aka the factor) to obtain cash. The account debtor then directly pays the factor the full value of the invoice.

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It’s as easy as… Actual company B2B Sales Credit Terms Desired Capital ($)

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Financial services companies and manufacturers in the $650 billion U.S. equipment finance sector. Overall, business investment in equipment and software accounts for 8.0 percent of the GDP; the commercial equipment finance sector contributes about 4.5 percent to the GDP.

http://www.youtube.com/watch?v=-sr3UDUOM9s&feature=player_embedded

CFA Association http://www.youtube.com/watch?v=Lq0ukU60Qfs

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All three positions offer aggressive performance based compensation plan with premium commissions and residual income, recruiting bonuses – with no ceiling on earning as your business builds. No sales boundaries and online sales presentation are available when needed. Our critical financial services are in demand by business and professional practices of all sizes. Excellent training and the on-going support, you need to be successful. The freedom and independence of a flexible schedule with no required evenings, weekends or major travel. After 90 days of employment, Health, Life and disability insurance, retirement and other fringed benefits are available to employees and independent contractors.

As an industry leader, we are proud to provide a service that is recognized as an effective solution and business tool with a unique value proposition that immediately improves the profitability of our business and professional clients.

Apple Capital Group dedication to your success will be evident in the extensive training and support tools you receive as well as the quality of our service to clients. The entrepreneurial desire to succeed and a proven track record in professional sales or business development, is the best qualifier. Solid computer and Internet skills are a plus. The experience or ability to deal at the executive level with businesses in your community, in a professional manner, is mandatory.

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Increase account executives in South and Southwestern States to 100 by the end of 12/31/2010, mainly Florida, Texas, California.

Increase training of AE and staffing Promoting or hiring district managers from

existing or new AE in large populated areas Hiring business development managers; Texas,

Florida, California, Illinois and New York Introduce Insurance Products August 2010 Introduce Business Brokerage Products October

2010 Introduce Management Consulting February 2011

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Introduction (Me, You and ACG) Systems Logins ACG Outlook Overview of Products Landslide Noon Lunch 1 pm Eastern Overview of Products 100 Sales Plan

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Based in Dallas, TX They average raising people’s credit scores 120 to 200 points in most cases It usually takes 90 to 180 days to see the best results. Sometimes you will see great

results in 45 days. They dispute accounts in a way that keeps them from coming back on the credit

report. Only 1 in about every 10,000 accounts will come back on the report after we have deleted it, and all of

those accounts to date have been re-removed. The Fair Credit Reporting Act says that if the item is removed the

second time, it can NEVER be put back on the report. dispute all three credit bureaus: Experian, TransUnion, and Equifax/CSC. remove out of date, obsolete and unverifiable information. We do not

eliminate the debt. Most have been eliminated before we receive them

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