Worldwide Financial Group, Inc. and Commons People Mortgage, Inc., entered in to separate consent orders with the Georgia Department of Banking to resolve allegations pertaining to violations of the Georgia Residential Mortgage Act and agency rules.

Worldwide Financial Group, Inc., License Number 12323, 696 Mount Zion Road, Suite 7-B, Jonesboro, Georgia, and its owner, Xavier Gray, consented to the following:

The revocation of Worldwide Financial Group, Inc.’s broker’s license is effective as of April 2, 2007. Worldwide Financial Group, Inc. can never apply to the Department for another license to be a mortgage broker or mortgage lender;

For a three year period, Xavier Gray can only be affiliated with a mortgage broker or mortgage lender as a W-2 employee and is prohibited from applying for a mortgage broker’s or lender’s license. During this same time frame, Gray may not serve as a branch manager or direct the affairs or act as a director, officer, partner, equitable owner, or any other equivalent role of a mortgage broker or mortgage lender.

Commons People Mortgage, Inc., License Number 20175, 3855 Holcomb Bridge Road, Suite 400, Norcross, Georgia, and its owner, Teresa Whitehead, consented to the following:

The revocation of Commons People Mortgage’s broker’s license is effective as of April 2, 2007. Commons People Mortgage can never apply to the Department for another license to be a mortgage broker or mortgage lender;

Commons People Mortgage cannot accept any new loan applications after March 30, 2007, and will cease all of its remaining residential mortgage broker activities in Georgia by no later than May 12, 2007;

For a three year period, Teresa Whitehead can only be affiliated with a mortgage broker or mortgage lender as a W-2 employee and is prohibited from applying for a mortgage broker’s or lender’s license. During this same time frame, Whitehead may not serve as a branch manager or direct the affairs or act as a director, officer, partner, equitable owner, or any other equivalent role of a mortgage broker or mortgage lender.