Dealer | Stockholder | Customer

DEALER

Q. How do I sign up for FFG’s Point of Sale program?

A. Signing up is simple. You can download a copy of the dealer packet from our website.
You will need to fill out the Dealer Information Form and the Motor Vehicle Dealer
Agreement. Once complete, fax all documents along with a copy of your Dealer
License to 417-841-1200.

Q. I saw the map that shows you are licensed in Texas. How come you are not
signing up new dealers there?

A. We believe it is important for you to have a good relationship with our company. In
order to do that, we feel it is necessary to have a sales representative in your area that
can handle your problems, answer your questions, and make the partnership as
successful as possible. Currently, we only have representatives in a handful of states,
Texas not being one of those at this time.

Q. Does $1500 minimum income mean $1500 net or gross?

A. Gross.

Q. Do you combine income for girlfriend/boyfriend or fiancé type of deals?

A. Yes, we combine income for non-married co-applicants.

Q. Does FFG purchase straw deals?

A. No.

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STOCKHOLDER

Q. How much is my Freedom Financial Group stock worth?

A. The most frequently asked question by our stockholders today is “What’s the value of
my stock?” What seems like an easy, straight-forward question, unfortunately, has no easy answer.

Typically, when talking about the value of stock, people talk about a stock’s market value; or, in other words – the price per share at which you could buy or sell the stock. For most stocks this is the price you see published in the newspaper everyday in the stock market listings. Because Freedom Financial Group stock does not yet trade in an active trading market, such as the New York Stock Exchange or the NASDAQ, there is no published price for the stock.

Does this mean that the stock has no value? No. Although your Freedom Financial Group common stock has only a nominal or speculative value, your Freedom Financial Group preferred stock most certainly has value. How do we know your preferred stock has value today? We, in our role as transfer agent, are aware that there have been several recent sales of the stock between private parties. What we don’t know, is at what price per share the stock was traded. The parties involved in these transactions are not required to disclose the terms of these transactions, and they have chosen not to disclose the prices paid per share. Quite simply, all stockholders are free to sell their stock to any willing buyer at whatever price they can negotiate. The value of your stock is equal to that negotiated price. Although not the answer most people want to hear it is the best answer available today.

Keep in mind, that over the coming 12 months we will be working to ascertain the possibility of establishing an active market for your Freedom Financial Group stock. It is our hope that within the next 12 months the answer to the question “What’s the value of my stock?” will be as easy as opening up your daily newspaper to that day’s stock market listings.

Q. What do I do if I want to sell my stock back to the company?

A. Under the terms of the court-approved Plan of Reorganization the Company is not
allowed to purchase stock back from its stockholders until such time as the
Company’s preferred stock is no longer outstanding. This applies to both the
preferred stock and the common stock. Until such time as an active trading market for
the Company’s stock develops, stockholders wishing to sell their stock must
independently identify potential buyers and negotiate a sales price directly such
potential buyers. Once an agreement to sell has been reached, the Company’s
investor relations department can provide you with the paperwork necessary to
complete the transaction. You may contact our investor relations department at
(417) 886-6600 x402 or via email at investor-relations@ffgrp.net.

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CUSTOMER

Q. How can I get a loan through FFG?

A. We do not provide direct loans to customers. Instead, you must purchase a vehicle
through one of our approved dealers. To find a dealer in your area, please contact
one of our Customer Service Representatives.

Q. If I am a current customer of FFG, Can I refinance through FFG (or get my next
car loan from FFG?)

A. If you are a current customer, you can not refinance through FFG. If you want to
finance your next vehicle with us, that is possible if you purchase it through an
approved dealer. To find a dealer in your area, please contact one of our Customer
Service Representatives.

Q. What do I do if I can’t make my payment on time?

A. If your payment is going to be late, please notify our Account Servicing Department to
make further arrangements. You can reach them toll free at 866-544-3430, Monday
through Friday from 8:00 a.m. until 5:00 p.m. C.S.T.

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