Cover Letter

Forward: In my experience I have found that hiring an employee is one thing, but it is often far less opportune and far more important to add depth to the repertoire of human resources. I feel that my experience has depth, is well rounded, and can be a valuable asset to many corporate environments in times of feast or famine and especially to those companies who are now or might derive future benefit from being engaged in any type of real estate activities, real estate holdings, or lending activities, or that could benefit from developing innovative strategies for new business and financial solutions and the extensive lending experience with which to fund them.

It is my desire to further my career in real estate development and financial resource development for real estate development projects. Being well seasoned in commercial and residential financial resource development, I am seeking an opportunity to create financial resources through the various available resources, including world financial centers such as Panama and Dubai, to enable funding for clients and projects. Because of my knowledge of loan products, I am able to conform projects to fit the loan products as opposed to wasting valuable time and resources trying to find loan products that fit projects. My typical approach to projects sales is to offer the project and financing together, enabling me to "select" the client as opposed to have the client select me. This places me in a position of strength and further enables me to target and sell a particular piece of commercial real estate when offered to a qualified client complete with a project, properly selected through highest and best use criteria and the financial resources with which to complete the project.

I am seasoned corporate professional for 20 years and willing to relocate to almost any state or Latin American country for the right position that utilizes my strengths and abilities. I humbly submit that my past experience and accomplishments are considerable and afford me a number of valuable strengths and benefits that I can offer. One of my most accredited and widely useful is the ability to formulate and implement sustainable business solutions and marketing strategies and the ability to effectively and efficiently manage the people, departments, and the processes that I implement. I offer creative and innovative approaches to cultivating markets, developing new business and new business solutions and develop strategies to solve corporate problems, to build higher profit levels and proactively strategize, set, and reach new goals rather than reactively recoiling, down sizing, and cutting back. I equally pride myself in the ability to motivate your human resources to be all that they can be and to achieve more for the company by desiring and achieving more for themselves.

If I may, please allow me to briefly demonstrate the statements just made using three of my accolades. I was hired as a vice president over processing and re-marketing foreclosures by a medium sized national mortgage banking firm. I designed, formatted, and implemented a unique marketing strategy, different than anyone had used before and sold myself, with my plan to the chairman. I used the same people and offices, but re-structured the whole process, even requiring some significant changes to the applicable contracts to facilitate the new process. The result was that we re-marketed 476 foreclosures in 33 months, more than tripled the previous output using a few less people, and dramatically reduced loan losses well beyond all expectations. Many problems were solved, employees were enthusiastic and motivated, stress levels decreased, and the boardroom was exuberant.

From this experience I moved on to establish my own business. Over the next 7 years I came to own 4 manufactured housing dealerships and vertically integrated them with an in house mortgage broker company, set up and transport, and service department. The business operated very successfully indeed until the crash of the industry in 2000. The actual numbers at peak performance were slightly in excess of 250 homes a year for three consecutive years at dealerships half the size of my competition and a $50,000 per month net income average. I used that money to fuel real estate developments and turned that 1.8 million dollar income into well over 5 million in assets in the same 36 months.

The financial department later became Global Trust Financial Corporation. I similarly designed Global Trust using departments to create an internal reality that was a synergistic format of separately and publically licensed divisions; a real estate developer, real estate marketing and sales agency, and consumer mortgage and commercial loan broker. As a marketing effort, I established myself as a keynote speaker in regular seminars, was frequent guest on radio talk shows, and utilized various other marketing efforts that enabled me to attract private investors, develop financial resources for real estate developments, market housing, and provide the consumer mortgages all under one roof and more importantly, under my personal management. This led into building, managing, and re-structuring real estate portfolios for private investors for wealth building and short term financial profits and fueled the seminars and public appearances.

The design format of the company was to supply and market real estate for my clients and to overcome the obstacles presented in trying to supply and market real estate while using the services of the various outside companies necessary to accomplish the whole process from start to finish. It was a constant frustration and hindrance to annual totals until I became those companies. The vertical integration of these departments gave me control over time and production of the market services that determined our success. I personally recruited and developed investors through seminars and other methods, provided financial solutions for investors, clients, and projects, made project selections, formulated financial and development strategies, and made executive-level decisions that affect them and still was able to manage residential development projects of considerable size.

Further, as a professional commercial loan broker, I can generate vast amounts of funding for virtually any purpose from any lending market including the global financial centers around the world, and I know and understand the mechanics of the loan products well enough to structure the project to fit the loan product instead of wasting valuable time and resources trying to find a loan product to fit a project. The knowledge of the purposes for which loans are available and the specific nuances of how the loan products are designed to work and what they are designed to avoid can open many new doors in developing new business, new business and financial solutions, and facilitate larger and even new income streams. With these skills and as a real estate developer and portfolio builder, I can create and invest surplus money safely and quite effectively design portfolios to produce large short term profits, long term sustained income to build wealth, assets, and increase borrowing power and stability in the financial marketplace.

Finally, I am thoroughly knowledgeable in virtually all of the legal asset protection and risk management methods commonly practiced in off shore incorporation and banking, which also gives the strongest measure of legitimate taxation control available to any company, thus providing additional income savings and even additional earnings from global markets and global marketing.

I can bring these same strengths to your company and they are applicable in many fields. I hope that you will consider the depth of experience and the benefits that I can offer and I look forward to discussing the possibilities.

Sincerely,
Philip Maynard



Resume:

Forward: In my experience I have found that hiring an employee is one thing, but it is often far less opportune and far more important to add depth to the repertoire of human resources. I feel that my experience has depth, is well rounded, and can be a valuable asset to many corporate environments and especially to those companies who are now or might derive future benefit from being engaged in any type of real estate activities, real estate holdings, or lending activities, or that could benefit from developing innovative strategies for new business and financial solutions and the extensive lending experience with which to fund them.

It is my desire to further my career in real estate development and financial resource development for real estate development projects. Being well seasoned in commercial and residential financial resource development, I am seeking an opportunity to create financial resources through the various available resources, including world financial centers such as Panama and Dubai, to enable funding for clients and projects. Because of my knowledge of loan products, I am able to conform projects to fit the loan products as opposed to wasting valuable time and resources trying to find loan products that fit projects. My typical approach to projects sales is to offer the project and financing together, enabling me to "select" the client as opposed to have the client select me. This places me in a position of strength and further enables me to target and sell a particular piece of commercial real estate when offered to a qualified client complete with a project, properly selected through highest and best use criteria and the financial resources with which to complete the project.


CAPABILITIES AND BENEFITS THAT I CAN BRING TO YOUR COMPANY

Mortgage and Finance
Able to navigate and work with global lending markets
Owned and operated a mortgage broker firm for over ten years
Financing housing development projects and commercially and privately owned real estate investment portfolios
Creating and marketing of mortgage notes on the secondary mortgage paper market to mortgage investment firms

From 1990 through 1993 I was on the corporate executive staff for the second largest exclusive FHA mortgage lender in the United States. I developed a plan for which I filed for intellectual property rights, designed for companies with large mortgage holdings. Using this method we successfully remarketed 476 repossessions in 33 months, with no appreciable loan loss. I moved on from there and created my own business called The Housing Mall that grew to 4 manufactured housing dealerships, vertically integrated with an in house mortgage company, set up and transport, and service department. The companies became productive very quickly, soon averaged $50,000 per month net income for three consecutive years and operated quite successfully until the crash of the industry in 2000. Through my personal real estate investments and development, I was able to reinvest this 1.8 million in income to create a total net worth of well over 5 million dollars during the same 36 months.

Real Estate
Real estate development & planning, financial resource development, and real estate investment strategy
Professionally experienced in all aspects of land developing, construction, financing, and marketing of residential housing, owned 4 manufactured housing dealerships, and built subdivisions from scratch
Public speaker for motivation, wealth building and consultant for residential and commercial real estate development
Dynamic personal motivator with the ability to increase productivity in many venues and applications or isolate and
resolve complex problems with business, personnel, and cash flow solutions
Well refined negotiating skills, writing articulate contracts and agreements, and communicating understanding
between parties, both written and oral

I maintained the mortgage division of The Housing Mall created in 1996, converted my operation to residential real estate in 2000, and continued officially as Global Trust Financial from March of 2002. I also vertically integrated it to create the internal reality of separately licensed divisions in a synergistic format of a commercial and residential mortgage broker, and real estate development company, and real estate marketing and sales agency. This synergistic internal reality was an innovative design that afforded me a unique posture in my field by vertically integrating these departments to give me control of the four major factors that determined our success in the marketplace. I began offering commercial and residential financial services for private investors, specializing in investor finance for real estate developments, which quickly evolved into private real estate portfolio development, portfolio restructuring, and management for people with currently existing real estate holdings. By repeated and regular invitation I began to build a public speaking platform as a keynote speaker and guest speaker many times at various real estate associations, and regular private seminars. I was also a regular guest on three different radio talk shows under the brand name of The Ultimate Strategist. I began holding regular seminars with boot camps and work shops on several different subjects to teach real estate investors how to strategize client investments and maximize profit margins, annual sales, and ultimately their annual earnings. I soon developed a following of private real estate portfolio holders and investors as clients. Global Trust Financial handled the financing, development, and marketing of the residential real estate that it developed for its clients, thus establishing its brand as a full service financial development company. Bringing these methods and techniques to the investors table carved a niche in the marketplace and added new dimensions to the investor and Global Trust alike.

I also have experience in the secondary mortgage paper market, creating and selling retail and discount mortgage paper for profit, acquiring a good practical working knowledge of the advantages and dangers of that environment and how to safely navigate within it while capitalizing from its use and creating a powerful tool for larger scale real estate professionals.

I modestly submit that I could never have made these accomplishments without an exceptional ability to negotiate. With these skills of course comes a thorough knowledge of all the pitfalls, nuances, and dynamics of various corporate and business operation and I took it on my own to equally develop my ability to write my own contracts and agreements to further establish a wall of protection in every aspect of operation. While conducting myself and my operation with honor and integrity I have only had my contracts put to the test three times in over ten years, two of which were initiated by me, and only one went to court. The contracts prevailed in all three instances.

I thank you for your time and consideration and I am anxious to discuss how I may bring benefit to you and your company.

EMPLOYMENT HISTORY
Global Trust Financial Owner - March 2002 until June 2006 / Subsidiaries - The Housing Mall & Home Mortgage Owner - March 1996 June 2000 / Foreclosure processing and Remarketing Center 1993 - 1995 / Mortgage banking vice president Logan-Laws Financial Corporation November 1990 August 1993