| T. Clay Lehmann – Background.
			 I 
			am in my early sixties and I founded American Foreclosure 
			Prevention, a firm that has specialized as its name implies, in the 
			field of foreclosure prevention, loss mitigation or loan 
			modifications, this consultation practice covers many areas of 
			personal financial topics including federal income taxes, 
			homeowners' insurance, unsecured creditors, budgeting, and other 
			items. 
 I believe that I am well qualified to provide these 
			consulting services. I have been working within the banking and 
			financial industry my entire career.
 
 I do have a BBA in 
			Accounting from the University of Cincinnati. I started my career in 
			the late 1970s with the Certified Public Accounting firm, Arthur 
			Andersen & Co., which at that time was the largest CPA firm in the 
			world. Subsequent to public accounting, I was a chief financial 
			officer in industry for 20 years, which included three public 
			companies.
 
 I lost my job in 2003 and started this business. 
			I have now helped modify over 1,500 mortgages.  I'm 
			told that we have helped modify more mortgages than anyone in the 
			country.
 
 Also, I have never taken a dime of revenue from an 
			investor who buys houses; to do so would be a conflict of interest 
			with Loss Mitigation/Loan Modification services. AFP's only source 
			of income is derived from consulting with homeowners on an array of 
			personal finance topics.
 
 I have consulted with over 15,000 
			homeowners on many financial topics, but have only charged a 
			consulting fee to 1,500. You would be wise to pick my brain.  I 
			provide pro-bono services to an average of 3 homeowners per week.
 
 I have been Consulting with Homeowners All Across America for 
			over 13 years, and now I want to work directly with you in 
			determining your best interest!
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