Increasing Your

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Increasing Your Business
Presented by
World Savings
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Fortune Magazine

• Americas Most Admired Savings Institution
  Seven Times

• Golden West Financial outscored all other
  financial institutions in the categories of

• Highest Quality of Products / Services offered
• Highest Quality of Management.
• Best Value As A Long-Term Investment.
• Soundness of Financial Investments.
• Wisest Use of Corporate Assets.
• Greatest Ability to Attract, Develop Keep
  Talented People.
• Most Responsible to the Community Environment.

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World is known as a.
No intermediaries and the fastest
processing around!
World makes and services It own first mortgages.
Portfolio Lender
Origination
Appraisal
Processing
Underwriting
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Did you know WORLD is a member of the 11th
District ?
Federal Home Loan Bank
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So, what is the 11th District and how
does it work?

• It is an AVERAGE of the interest rates being paid
  by
• SELECTED member institutions (Savings Loans and
  Banks)
• on bank deposits starting with checking accounts
• ranging up to 5 year CDs.

C.
. F. I.

Cost Of Funds Index
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Picture This!
The 11th District is a big bath tub, but instead
of water, it is filled with approximately 307
billion drops of money. The tub has long since
filled and is now full to overflowing. As the
money drops continue to drip into the tub,
sometimes hotter (higher interest rates),
sometimes colder (lower interest rates), the
overall temperature of the water experiences very
small changes. Changes in the interest rate of
new deposits dont affect the actual interest
rates on a 11 ratio because of the dampening
effect the large pool of money has on the
average.
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Lets look at this a little closer.
Paying to consumer
Source
Checking Accounts
.25-.5
.5-.75
Savings Account

CD's
1.25-3.5
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Approximately
5.25
Divided by
Index
1.75
COSI - COFI
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Simple Banking
World Savings
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The Simple Formula
Index
( COFI COSI )
Margin
( Fixed )
Still a little unsure on how an Adjustable Rate
Mortgage Works?
Interest Rate
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Lifetime Cap
This is the maximum your interest rate can go up
during the life of the loan.

No Fear
Index 9.10
Index 1.75

Margin 2.85
Margin 2.85
Interest Rate 4.50
Lifetime Cap 11.95
This is what your Savings, Checking CDs have
to pay back.
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Payment Cap
Rate cap
vs.

• Your payment can not
• Change more than 7.50 of
• what it was previously.

• Other lenders offer
• 2 - 6 Rate Cap.
• This could mean a 21
• increase in your
• Payment from year
• to year.

No Payment Shock
Ours
Theirs
1,000.00 75.00
Payment
1,000.00210.00
Payment
1,075.00
1,210.00
New Minimum Payment
New Minimum Payment
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The most commonly asked question!
Why dont other lenders use these Indexes?
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C.O.S.I.
C.O.F.I.
Cost of Savings Index
Cost of Funds Index
California
World Savings
Nevada
Arizona
11th District
World Savings
Both indexes work exactly the same!
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Average
1.75
Margin
2.85
Fully Indexed Rate 4.6
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Lets talk money...
Expanded Ratios
Cash Flow
The lowest cost loans... Guaranteed
We sell investment strategies NOT Rate
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Expanded Ratios
50,000 - Annual income
The others
World
2836
3340
157,000
185,000
15-18 More Commission
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Expand Your Business
38 States
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Gaining Repeat Business
Statistics Show

The average American buys a new home every 3-5
yrs.
Change Your Hat
No longer a Mortgage Broker
Financial Loan Consultant
People dont need what they want, they want what
they need!
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So, what do people really need?
Solutions To Real World Problems !
Help!
Credit Card Debt
Retirement
World Savings
Education
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Real World Problems
Credit Card Debt
All time high and
continues to grow. Prevents people from saving
for retirement.
Education
Retirement

• 40 of Americans set aside less than 1,000 per
  year.
• 47 of Americans do not participate in company
  retirement plans.
• Avg. couple needs 500,000 in savings to retire
  and maintain current lifestyle (if SS remains
  intact).
• Over 50 of Americans would retire into poverty
  today.

• The average 4 year college degree currently costs
  over 57,000.
• Over 90 of parents have not started savings for
  their childrens college education.
• A person with a 4 year college degree will make
  approximately 635,560 more during their lifetime.

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What people really need !
Lowest Rate
Payoff Debt
Start College Fund
Payment Options
Save for Retirement
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What people really need !
Start College Fund To secure your childs future!
Offer low payment rate! 1.95
All Accomplished Due To OPTIONS!
Use Cash-flow To reduce credit card debt!
Invest for a secure financial future!
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How can a World loan meet those needs
Options
Something a Fixed Rate Mortgage does NOT have!
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Use Mortgage As A Financial Tool

• In the New Millennium and beyond, people need
• a mortgage that will allow them to use the
• Mortgage as a financial tool.

ARM
Fixed Rates
Adjustable Rate Mortgage
MARM
Modified Adjustable Rate Mortgage
Low Start Rates
Pick-a-pay loan
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The Equity Builder Lowest cost loan in America !
Do people really want the Lowest Rate?.
. If so, everyone needs the Equity Builder.
Effective Rate 4.5 Based on a 5.6 Fully
Indexed Rate
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Option Loans
Gives your customer the ability to control their
financial destiny.
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Let us custom tailor a loan to meet your needs.

• 100 Financing Available (CD deposit)
• Loans over 80LTV NO MI Required!
• Investment Properties- Best Rates
• Second Homes
• No Income Verification
• Equity Builder Available-Worlds Trademark
• 5-40 yr. Term Available
• Jumbo rates dont begin until after 750,000
• Low, Low, Low Start Rate
• (lowest in the industry!)
• Instant Underwriting
• 1 lender in Non resident alien- No Doc

World's
and
C.O.S.I.
loans. . .
C.O.S.I.
C.O.F.I.
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Helping you cut your competition out and
delivering the most financially sophisticated
loans on the market with 1 service !!!

World Savings