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StockGuru Blog:
Halo Companies, Inc. (OTCBB: GPAX)

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Halo Companies, Inc. (OTCBB: GPAX)

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Halo Companies, Inc.

href="http://www.sgurunews.com/emailmarketer/link.php?M=16735&N=673&L=1086&F=H">THE
STOCKGURU PROFILE FOR HALO COMPANIES, INC

Understand the Issues. Create a plan. Obtain the Best People. Manage
the Growth.

Halo Companies, Inc. (OTCBB: GPAX) (“Halo Companies”
– “Halo”) understands the financial issues Americans are
facing at a time, when for many, the American dream has become the
American nightmare. The country of easy credit, rising home values, stable
retirement investment accounts and 4.4 million jobs no longer exists.
That’s over. That’s History.

Halo Companies is composed of twelve companies and over 100 employees
assisting consumers in achieving their financial goals.

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Halo diversifies its business into two categories:

• Origination: such as mortgage, insurance and residential real estate
  services
• Mitigation: including debt settlement, loan modification and credit
  repair services

Founded in 2004, Halo achieved right at $5 Million dollars in revenue
in 2008, which represents a stunning growth of 506%. In an economy where
many companies are struggling to maintain status quo, Halo continues to
thrive. The numbers show, as a result of these challenging financial
times, more and more people seek professional advice and solutions where
their money is concerned.

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Halo’s growth is confirmation of the performance of its
unprecedented and effective business model.

Halo’s full suite of services provide assistance to consumers in
times of financial distress. These services include include mortgage loan
modification, unsecured debt resolution, credit management. Additionally,
Halo offers mortgage lending, real estate representation, and insurance
protection to help each consumer accomplish the dream of
homeownership.

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Halo Companies, Inc. Meets Huge Demand for Broad Based Financial
Services

As middle-class as McDonald’s, as technologically savvy as
E-Trade, as ubiquitous as UPS, and as astute as Goldman-Sachs: Halo
Companies emerges on the financial horizon with the ONLY stable and
complete solution for combating the greatest threat to American home
ownership and the very financial engine of the middle-class.

The Company represents precisely what smart business people do when
they are free to make the most of their talents and resources in open
exchanges with other people who require their knowledge, service and
expertise.

Immense possibilities for the Company’s economic growth have been
unleashed by providing unprecedented, all encompassing financial
solutions to the financially distressed through access to the multitude of
financial solutions required in our complex economic times.

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• In 2008, Halo experienced significant growth when sales grew to 252%
  of 2007’s numbers
• Currently Halo has over 100 employees and independent
  contractors
• Halo’s facilities include 34,618 square feet located in One
  Allen Center located on Central Expressway, a major thoroughfare in One
  Allen Center, Allen, Texas, which is 23 miles north of downtown
  Dallas
• Website: http://www.myhalogroup.com/

Nine of the 12 Halo companies have distinct core competencies and able
to operate as stand-alone businesses.

height="225" width="148" />	Halo Debt Solutions, Inc. is an industry leader in debt settlement services, negotiating and settling various types of unsecured debts, saving clients thousands of dollars. Halo Debt revenue has significantly increased over the past year with top line revenues of $2.02M for the three months ended September 30, 2009.
height="225" width="148" />	Halo Group Mortgage, LLC continues to thrive in a down market due to its conservative lending approach and commitment to high quality loans. Now more than ever, there is an opportunity to rise up as a major player in the mortgage markets, supplemented by Halo’s full suite of related services.
height="225" width="148" />	Halo Group Realty, LLC will further Halo’s mission to provide a one-stop-shop of financial services and will allow for the opportunity to maximize profitability through increased synergy between its subsidiaries.
height="225" width="148" />	Halo Credit Solutions, LLC disputes credit report inaccuracies and errors on behalf of a consumer, over a six-month time frame or less. The consumer exits the program with a guaranteed accurate credit report as verified by the credit reporting agencies.
width="148" />	Halo Benefits, Inc. evolved to manage business relationships and strategic partnerships that positively affect several of the companies under the Halo umbrella. Key business-to-business marketing concepts and a centralized consumer-based call center were established to facilitate the marketing needs of the subsidiaries. Halo Benefits has implemented two programs that have the opportunity to quickly grow the customer base for each company within the Halo family. These efforts are WeCare and HaloCare.
width="148" />	Halo Loan Modification Services, LLC has created an innovative and holistic approach to mortgage default resolution that is unparalleled in the industry. This unique strategy will put borrowers into a systematic and streamlined work-out process establishing affordable, long-term mortgages while achieving an improved return for bankers and investors compared to foreclosure.
src="http://www.stockguru.com/l/gpax/vert/choice_insurance_services.png" height="225" width="148" />	Halo Select Insurance Services, LLC is a partner in Halo Choice Insurance Services, LLC, a company in which Halo Companies, Inc. owns a 49% interest. Halo’s extensive client database is expanding every day. The ability to offer a highly-utilized product such as Property and Casualty insurance at a cost savings will translate into a better financial position for Halo’s clients and produce another steady revenue stream for Halo.
src="http://www.stockguru.com/l/gpax/vert/financial_solutions.png" height="225" width="148" />	Halo Financial Services, LLC is a consumer debt education, analysis and workout program that utilizes cutting edge technology and algorithms to produce the best scenario determined for each individual. The Halo Smart technology is derived from thousands of case studies which were evaluated and logged with consideration based on multiple factors. Factors state, region, income level, debt load, type of debt, and many others.
height="225" width="148" />	Halo Portfolio Advisors, LLC leverages the complete Halo business-to-consumer suite of services to market turnkey solutions to lenders. The company’s operational support services allow endless opportunities for strategic B2B relationships with major debt servicers.

B2B and B2C Divisions

• Business-to-Consumer (B2C) Services are provided through group
  contractual agreements and on an individual basis to consumers
• Business-to-Business (B2B) Services are provided under portfolio
  management, employer benefits and financial education

Many debt servicers are currently overwhelmed with imposed programs
that require more resources–such as people, money, and
time–than are necessary to be effective. The driving force behind a
typical distressed asset is often not a single factor, but rather several
contributing factors. When a loan is underperforming, it may be due to
other outside influences of financial stress, such as a high unsecured
debt load held by the consumer. Halo Portfolio Advisors’ operational
support services allow endless opportunities for strategic B2B
relationships with major debt servicers.

Hedge funds and other entities have recently purchased huge lots of
mortgage portfolios. Halo is ready to step up to the plate and address the
fundamental issues to service these mortgages.

Halo Benefits, Inc. sells Halo’s services as a bundled package
through business relationships and strategic partnerships.

Halo facilitates the acquisition of additional companies and provides
capital and expertise to increase the volume and profitability of each
subsidiary.

Halo Companies’ Business Model

The Company’s stunning rise has eclipsed the more traditional one
prong financial solution companies by creating The Financial Service
Company of the Future. This unprecedented business model – of a
one stop shop for financial services — has come of age –
providing the ultimate business model in a time of countless job losses,
home losses, the decimation of retirement accounts and untold family
upheavals.

Halo has married the brightest minds in technology with those of
finance in a collaboration which has produced a company setting a new
standard in the industry.

Halo’s positive financial implications of Halo’s one step
at a time, custom tailored financial solutions which delivers dynamic
business results for clients in a multitude of fiscal areas creates
lasting shareholder value. Halo Companies provides the middleclass a
chance, an opportunity to regain their life and their lifeline while
building a dynamic company with subsidiaries capable of enhancing mutual
growth.

Financial Difficulties Multi-lateral and Complex for
Clients

The industry as a whole typically does a poor job of addressing the
total debt load of a borrower. Most models used to qualify a borrower for
a loan modification use crude estimates of the borrower’s debt load.
Buying behavior and future suitability and accountability are not fully
developed or tracked. The servicer is solely focused on the overwhelming
number of defaults before it, and concentrates only on the loan it
services.

Halo Companies addresses the fact that financial difficulties are not
singular. Most clients will have several issues which are
interrelated.

In historic American fashion and proportion – out of the chaos,
in the truest capitalistic fashion – a solution is born in a time of
the most devastating recession since the Great Depression.

Halo Companies, Inc. recognized the difficulties and provided a
solution. The middle class is in free fall and there is no one coming to
their rescue.

• One in seven households with mortgages was either in foreclosure or
  delinquent on payments at the end of September 2009, according to the most
  recent data available from the Mortgage Bankers Association
• Some owners are defaulting because they have lost their jobs. Some
  are giving up their homes because the value has fallen below what they
  owe
• Prices have fallen 29% from their July 2006 peak to October 2009,
  based on the S&P/Case-Shiller Home Price Index, which tracks home
  values in 20 cities
• Nearly one in four mortgage holders owe more than their homes are
  worth, according to First American CoreLogic
• Potential buyers of new homes are trapped in homes they are unable to
  sell
• Nearly 6.2% of mortgages in Arizona, 9.4% of mortgages in Nevada,
  5.8% in California were in foreclosure according to the Mortgage Bankers
  Association. 37,000 Connecticut mortgages or one in every 14, were in
  foreclosure or 90 days past due, with unemployment at 8.2 percent
• National rates indicate one in 11 mortgages in foreclosure or 90 days
  late
• National jobless rate stands firmly at 10 percent
• Clients have ongoing debts accumulating after losing their jobs

Halo’s approach indicates a full understanding of the fundamental
reality of distressed middle America. Many have reduced incomes, homes
worth more than what is owed and overwhelming credit card debt.

Obtain the Best People

The perfect marriage of financial experience and in-depth
understanding of the all encompassing lapse of our financial system has
produced Halo Companies. Halo does more than understand; it translates
complex financial issues with their knowledge and technology into
customized solutions for their clients’ specific needs.

Scalable technology has served to provide a one stop shop solution for
a target demographic of middle-class Americans who have been the victims
of this country’s financial chaos.

Halo understands the effect hiring the right employees, surrounding
them with great managers, and engaging them in their work.

Officers and Directors

Cade
Thompson, Chairman/CEO/Director
A Co-Founder of Halo Companies,
Inc., Cade Thompson has a proven record in multiple financial services
industries. Graduating from Abilene Christian University studying Finance,
Accounting, and History, Thompson gained further insight and experience
while studying abroad as a Presidential Scholar at Oxford University.

After earning his Series 7, Series 63, and Life & Health Licenses,
he helped build a prospering financial advising agency under the umbrella
of the broker dealer, World Group Securities. During the refinance surge
at the turn of the decade, he expanded his experience by joining and
eventually owning Halo Group Mortgage. Since then, Thompson has been
instrumental in the developmental growth of Halo and its
subsidiaries.

Paul
Williams, Vice Chairman/CFO/Director
Paul Williams has over 30
years of business experience primarily in the capital markets and mergers
& acquisitions. Williams has served as the Chairman or CEO of numerous
companies operating in various industries, both domestic and
international, including one other publicly-traded company. He has helped
open company offices in China, Russia and Latin America. Williams is also
heavily involved in local, state and national civic affairs. He was
appointed to three terms on the Board of the Texas Economic Development
Council in Austin.

In 2009, Williams was awarded the CFO of the Year Award by the Dallas
Business Journal for companies under $50 million in revenue. In 2007,
Williams served as the Chairman of the Board for the Frisco Chamber of
Commerce. He still serves on the Board today, and has also served on the
boards of three other local and regional chambers in years past. He
recently served two years on the advisory board of a local bank. Williams
graduated from Austin College in Sherman with a double-major in Economics
and Business Administration. He also graduated from the Institute of
Organization Management.

Tony
Chron, President/Director

Tony Chron joined Halo Companies, Inc. in September 2009 to serve as
President, bringing with him more than thirty-three years of experience in
both public and private companies. Prior to joining Halo Companies, Inc.,
Chron was a Senior Partner with Trademark Property Company, a major
mixed-use and retail developer and served in various executive capacities
including, most recently, as Executive Vice President. Chron also served
as Associate Corporate Counsel and Director of Real Estate and Property
Management for Pier 1 Imports, Inc., General Counsel and Vice President of
Real Estate for Sunbelt Nursery Group, Inc., and Vice President of Real
Estate and Real Estate Legal for Michaels Stores, Inc.

Chron has been a licensed attorney in the State of Texas for more than
twenty-six years. Chron graduated with his Juris Doctor degree from South
Texas School of Law in 1983. He also has a Bachelor of Science degree from
Abilene Christian University.

Jimmy
Mauldin, Chief Strategy Officer/Director

A Co-Founder of Halo Companies, Inc., Jimmy Mauldin has broad
strategic experience, primarily in sales and marketing. Mauldin has a
proven track record, setting a national sales record with Henco, Inc.,
serving as Vice President of Sales for Associated Publishing, Co., and
developing multiple start-up companies, including several e-commerce
programs.

Mauldin served as Founder and Chief Executive Officer of Fund America
Now, a national fund-raising company, and also established and serves as a
director for the Halo Institute for Financial Education, a 501(c)(3)
corporation.

Scott
McGuane, Chief Marketing & Sales Officer

Scott McGuane joined Halo Companies, Inc, in January 2009, bringing
with him more than twenty years of experience in financial services,
retail lending and residential mortgage with companies such as Accredited
Home Lenders, Inc., Bear Stearns, Citigroup, and AIG. Before that, McGuane
provided consulting for strategic planning, mergers and acquisitions
process reengineering and change management across a wide range of
industries, including start-up ventures, non-profits, banking,
telecommunications, energy and public utilities.

He has successfully managed product pricing and positioning, lead
system development, licensing, operational responsibilities, and marketing
efforts such as branding, point-of-sale, branch offices, online, direct
mail, and telemarketing. McGuane received his Master of Business
Administration at Southern Methodist University in Dallas, Texas and
received a Bachelor of Science from Central Washington University in
Ellensburg, Washington.

T. Craig
Friesland, Chief Legal Officer/Director

T. Craig Friesland is a Co-Founder of Halo Companies, Inc.
Additionally, Friesland practices law in his own firm. Previously, he
practiced with one of the largest law firms in Texas for over six years.
Friesland was admitted to the State Bar of Texas in 1998 and serves as a
member of the Real Estate, Probate, and Trust Law Section, and the
Taxation Section of the State Bar of Texas. He is also a member of the
Probate, Trusts, and Estates Section, and the Tax Section of the Dallas
Bar Association.

Friesland graduated with his Juris Doctor degree from Baylor
University School of Law in 1998. He also has a Master of Business
Administration degree from Baylor University and a Bachelor of Business
Administration degree in Finance from The University of Texas at Austin. />
Richard
Morris, Director

Richard G. Morris, a Co-founder of Halo Companies, has served as a
Director since its inception in January 2007. Prior to joining Halo
Companies, he served in various positions with United Parcel Service from
1976 until March 2002, most recently, from January 2001 to March 2002 as
one of its three District Operations Managers. In that role, Mr. Morris
was responsible for 5,400 employees, a staff of 18 senior managers, a
monthly operating budget of approximately $28 million, and revenues in
excess of $35 million. After departing UPS in July 2002, Mr. Morris became
the principal owner of Rammco Distributors, Incorporated, an equipment
rental company which he still owns.

In July 2004, Mr. Morris co-founded Blue River Development, Inc., a
real estate investment and development company, and is currently the sole
owner and operator of this company. In August 2008, Mr. Morris acquired
Port City, Inc., a plastics manufacturing company which Mr. Morris also
currently owns and operates.

Manage Growth

Halo Companies has carefully focused its growth on sustainable and
productive relationships. Extensive research and development frame
Halo’s consulting model, which is built on an algorithmic foundation
that creates sustainable client relationships and authentic growth.

Halo works to identify those clients will benefit most from its
solutions and return the clients to a solid financial base. Halo’s
refined technological strategies deliver results that have a profound
impact on the lives of its clients and in return Halo’s bottom
line.

Halo Companies’ Subsidiaries

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Halo Debt Solutions, Inc.
www.halodebt.com

Opportunity: The latest statistics from the Federal Reserve indicate
that the total amount of consumer debt outstanding in the United States
stands at roughly $2.5 trillion dollars. Based on the latest Census
statistics, that works out to be nearly $8,100 in debt for every man,
woman and child in America.

Capitalizing on the Opportunity: Halo Debt Solutions, Inc. (“Halo
Debt”) is an industry leader in debt settlement services,
negotiating and settling various types of unsecured debts, saving clients
thousands of dollars.

Results: Halo Debt revenue has significantly increased over the past
year top line revenues of $2.02MM for the three months ended September 30,
2009, Halo Debt reported $2.37MM for the three months ended June 30, 2009,
and $2.15MM for the three months ended March 31, 2009 as compared to top
line revenues of $1.04MM for the three months ended September 30, 2008,
$863K for the three months ended June 30, 2008, and $654k for the three
months ended March 31, 2008.

Competitive Advantage: Within Halo Debt, a team of industry experts
has built and continually maintains a cooperative relationship with
creditors to provide the best possible results for each client’s debt
situation. To avoid ineffective and costly efforts of an outside
collection company, creditors work cooperatively with companies like Halo
Debt to reduce a client’s debt balances.

Model: The primary goal is to help clients achieve a debt-free
lifestyle. Halo Debt’s programs are developed with affordable payment
plans, based upon the client’s personal financial situation. The
majority of the payment plans are designed to eliminate each client’s
debt in 12 to 48 months. The average negotiated settlement offer is $0.43
(forty-three) cents on the dollar.

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Halo Group Mortgage, LLC
www.halogm.com

Opportunity: Over the last year, the world has watched the American
mortgage industry teeter on the brink of collapse. Thousands of mortgage
company employees have lost their jobs while hundreds of thousands of
Americans have lost their homes due to the millions of non-performing
loans that were originated in past years.

Capitalizing on the Opportunity: Halo Group Mortgage, LLC (“Halo
Group Mortgage”) has not only survived this crisis, but continues to
thrive in a down market due to its conservative lending appetite and
commitment to high quality loans. Now more than ever, there is an
opportunity to rise up as a major player in the mortgage markets.

Results: Halo Group Mortgage recognizes the impact that home ownership
has in strengthening both families and communities, while providing fuel
for economic growth for our country. By providing the best loan products
for its customers, Halo Group Mortgage hopes to increase the opportunities
for home ownership within local communities and across the nation.

Competitive Advantage: Halo Group Mortgage has the resources to assist
consumers in achieving their financing goals, unlike any other mortgage
broker in the marketplace.

Model: Halo Group Mortgage is a full service, Texas-based, mortgage
brokerage institution in the retail lending environment, serving strategic
U.S. markets for “A” paper residential mortgage loans.
Currently licensed in four states, Halo Group Mortgage specializes in
partnering America’s top banks with both current and potential
homeowners for the closing of real estate mortgage transactions. Halo
Group Mortgage can earn up to 5% of the loan amount for providing this
service.

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Halo Group Realty, LLC
www.halogr.com

Opportunity: The addition of Halo Group Realty, LLC (“Halo Group
Realty”) will further Halo’s mission to provide a one-stop-shop
of financial services and will allow for the opportunity to maximize
profitability through increased synergy between our subsidiaries.

Capitalizing on the Opportunity: Halo estimates that over two-thirds
of the customers in the credit repair process are motivated to purchase a
new home. Many debt settlement customers are also motivated to own a home
in the near future. In addition, many of our mortgage clients begin their
process with a pre-approval before choosing a home. Halo Group Realty is a
logical progression for a Halo client, regardless of the client’s
starting point.

Results: Halo Group Realty will capitalize on the internal lead
development of the other Halo entities and as a byproduct will materialize
the final step in the home ownership process. This will add additional
revenue and increase brand awareness by having Halo signage in yards
across the country.

Competitive Advantage: Halo Group Realty has the ability to serve a
larger segment of potential homebuyers by leveraging the tools offered by
Halo. In contrast, a competing realtor will narrowly focus on the
homebuyer who will make an immediate purchase decision. Halo Group Realty
will therefore have contact with its customers for a longer amount of
time, will generate a larger pipeline of business for its realtors, and
ultimately provide more tangible benefits to our customers than are
available from Halo’s competitors.

Model: Halo Group Realty’s listings will be charged at 6%. When
serving buyers, Halo Group Realty will generate revenue from 3%
commissions and any bonuses available for the sale. In addition, Halo
Group Realty will earn commissions from referrals to apartment complexes,
and build a pipeline of business for Halo Credit and Halo Group
Mortgage.

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Halo Credit Solutions, LLC
www.halocredit.com

Opportunity: The U.S. Public Interest Research Companies (PIRG) has
established that 79% of all credit reports in the U.S. contain errors that
affect the credit score, 30% listed closed accounts as still open, and 25%
contain errors serious enough to prevent the consumer from obtaining a
loan.

Capitalizing on the Opportunity: Halo Credit Solutions, LLC
(“Halo Credit”) disputes inaccuracies and errors on behalf of
a consumer, over a six-month time frame or less. The consumer exits the
program with a guaranteed accurate credit report as verified by the credit
reporting agencies.

Results: Halo Credit has found that by correcting inaccurate
information, the average customer’s FICO score increases by 56
points. A graduate of Halo Credit is more likely to be approved for
financing, qualify for better interest rates, and be deemed “credit
worthy.”

Competitive Advantage: Halo Credit uses proprietary credit repair
management software to effectively manage thousands of credit disputes. A
single credit processor can accurately maintain the dispute process for
hundreds of clients at a time. In comparison, a processor could previously
manage only a handful of customer disputes per month. As a result, each
dispute is handled in the same manner time after time, assuring quality
results. And due to the time savings, each customer receives personal
attention on his or her account from a trained Halo Credit
consultant.

Model: The cost of credit restoration is $199. Credit repair is both
an integral part of the overall financial solutions that Halo Credit
provides and a critical lead generating product utilized to capture
increased national exposure for all the other subsidiaries. With its
efficiency, Halo Credit maintains a healthy profit margin on each new
client. Fixed costs are covered with a minimal amount of new customers per
month. Due to Halo Credit’s efficiency, as customer acquisitions
increase the variable costs of scaling up decrease on a percentage
basis.

WeCare:
WeCare partners with homebuilders in order to
increase the credit worthiness of potential homebuyers through
Halo’s services. When a potential homebuyer cannot qualify for a
home loan, the client is referred to Halo to settle outstanding debt or
restore credit. At the end of Halo’s work, the potential homebuyer
is then referred back to the homebuilder through Halo Group Mortgage.

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Halo Benefits, Inc.

Opportunity: As of mid-2007, each Halo subsidiary exclusively used
direct-to-consumer marketing channels, but was lacking in any type of
business-to-business channel. Additionally, each subsidiary individually
managed its own consumer marketing efforts with no centralized
strategy.

Capitalizing on the Opportunity: Halo Benefits, Inc. (“Halo
Benefits”) evolved to manage business relationships and strategic
partnerships that positively affect all of the companies under the Halo
umbrella. Several key business-to-business marketing concepts and a
centralized consumer-based call center were established to facilitate the
marketing needs of each subsidiary.

Results: Halo Benefits has implemented two programs that have the
opportunity to quickly grow the customer base for each company within the
Halo family. These efforts are WeCare and HaloCare.

Model: Halo Benefits has created business partnership opportunities
such as the following:

WeCare:
www.wecareonline.org

WeCare partners with homebuilders in order to increase the credit
worthiness of potential homebuyers through Halo’s services. When a
potential homebuyer cannot qualify for a home loan, the client is referred
to Halo to settle outstanding debt or restore credit. At the end of
Halo’s work, the potential homebuyer is then referred back to the
homebuilder through Halo Group Mortgage or Halo Group Realty.

HaloCare:

HaloCare offers financial solutions through Benefit Groups, Employee
Assistance Programs and insurance programs on a per-member per-month
(PMPM) basis. The association or group pays Halo a fee for their members
to have access to Halo’s financial solutions, creating an additional
source of revenue. In return, Halo’s services are offered to group
members at a slightly reduced cost.

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Halo Loan Modification Services, LLC
www.haloloanmod.com

Opportunity: The latest statistics from the Federal Deposit Insurance
Corporation indicate that 6.4 million loans are currently past due or are
projected to become delinquent by mid-2010. Recidivism rates are reaching
all-time highs at close to 50% for most servicers across the nation which,
coupled with overwhelming consumer response, are leaving servicers unable
to respond in a timely and efficient manner.

Capitalizing on the Opportunity: Halo Loan Modification Services, LLC
has created an innovative and holistic approach to mortgage default
resolution that is unparalleled in the industry.

Results: This unique strategy will put borrowers into a systematic and
streamlined work-out process establishing affordable, long-term mortgages
while achieving an improved return for bankers and investors compared to
foreclosure. This type of approach can help stabilize the U.S. financial
markets by minimizing foreclosures.

Competitive Advantage: To truly improve and resolve the re-default
rates of the consumer due to poor financial decisions and obligations,
Halo has developed an ongoing strategy to assist the consumer with
unsecured debt burden, credit challenges, and general financial education.
This multi-tiered approach will further improve the future performance of
the modified loan and provide a fundamental shift in the methods and
models previously used and that perpetuated the ever growing mortgage
meltdown.

Model: Halo’s loan modification approach adopts the streamlined
effectiveness of government sponsored loan modification programs and
provides both the borrower and investor complete transparency into the
decision making process. The result is consistent and predictable
improvement to investors, reduced costs to both servicers and borrowers,
and a thoroughly integrated approach to restoring financial
integrity.

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Halo Choice Insurance Services, LLC
www.halochoice.com

Opportunity: Halo’s extensive client database is expanding every
day. As the number of financially-distressed individuals seeking
Halo’s assistance increases, so does Halo’s warm market. The
ability to offer a highly-utilized product such as Property and Casualty
insurance at a cost savings will translate into a better financial
position for Halo’s clients and produce another steady revenue
stream for Halo.

Capitalizing on the Opportunity: Many of the clients presently
utilizing Halo’s Debt Settlement, Credit Repair, Loan Modification,
Mortgage and Real Estate companies may be currently overpaying for
insurance services. Halo offers its clients competitively-priced insurance
products that will save them money by providing a cost savings on monthly
insurance premiums already allocated in their monthly budgets. This
reduction in premium expense will free up cash flow for financially
distressed clients, allowing them to settle their outstanding debt
obligations much faster or accumulate and save additional funds for
greater long term financial security.

Results: Halo will give clients a better all-around financial position
through which to navigate these uncertain economic times. Halo’s
current expectation is to attract and engage clients currently utilizing
other Halo products, to use Halo’s insurance products – not
just at the point of sale – but as ongoing conversions throughout
Halo’s various product lifecycles.

Competitive Advantage: By adding a broad spectrum of insurance
products to its current product offerings, Halo can now position itself
before tens of thousands of clients – clients who are already
enrolled in products and services offered by other Halo subsidiaries
– and who would welcome a value-added product offering from the
company they already know and trust.

Model: Halo Select Insurance Services, LLC is a partner in Halo Choice
Insurance Services, LLC, which is currently licensed in Texas, New Mexico,
Oklahoma, and Mississippi and represents the lines of hundreds of
insurance companies, including Safeco, Travelers, CNA, Progressive, and
The Hartford. Halo is therefore not limited to the product and service
offerings of a single insurance underwriter, allowing Halo the ability to
identify the lowest cost alternative for clients. Specifically, Halo
offers Auto, Home, Life, Health and various other insurance products to
meet the needs of its clients.

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Halo Finanancial Services, LLC

Opportunity: A traditional debt relief program is increasingly limited
in the number of states in which it can operate. Halo Financial Services
has developed a model that will allow it to operate in 47 states. That is
26 more states in which Halo can now offer debt relief services to
consumers. Additionally, a wide gap exists in the marketplace for a debt
relief company that provides education and in-depth analysis specific to
the consumer’s profile before recommending a solution for that
consumer.

Capitalizing on the Opportunity: Few if any debt relief companies have
the resources to perform the analysis Halo Financial Services offers. The
company provides education & analysis based on a proprietary algorithm
that takes into account multiple factors within a consumer’s
financial portfolio and history and then weighs them according to their
significance to the consumer’s specific situation. Factors include
consumer risk tolerance, discretionary income, propensity to repay, debt
load, type of debt, state, and region.

Results: Providing services tailored to each consumer increases client
satisfaction and therefore increases client retention. Because the
consumer is recommended for enrollment based on the unique analysis, the
overall rate of program success continues to increase. Clients that do not
qualify for the programs provided directly by Halo can still be monetized
by Halo through relationships with bankruptcy networks and debt management
and credit counseling companies.

Competitive Advantage: Halo’s unique ability to provide multiple
solutions under one roof offers more value to the consumer. In addition,
Halo’s technology allows the company to manage a higher volume of
consumers with an increased efficiency of resources that incorporates the
predictability of results.

Model: The primary goal is to help consumers find the right program
for their financial profile allowing for the highest degree of success.
Halo Financial Services is designed with a minimal upfront fee, very small
monthly service charge, and a success fee only after the accounts have
been settled and satisfied.

height="109" width="335" />

Halo Portfolio Advisors, LLC

Opportunity: In today’s economy, lenders are experiencing an
overflow of distressed assets. Many debt servicers are currently
overwhelmed with imposed programs that require more resources–such as
people, money, and time–than are necessary to be effective.

Capitalizing on the Opportunity: The driving force behind a typical
distressed asset is often not a single factor, but rather several
contributing factors. When a loan is underperforming, it may be due to
other outside influences of financial stress, such as a high unsecured
debt load held by the consumer. Halo Portfolio Advisors’ operational
support services allow endless opportunities for strategic B2B
relationships with major debt servicers.

Results: Halo Portfolio Advisors’ servicing capacity allows for
the management of a diverse portfolio of loans. Halo’s technology
systems are bundled with transparency, accountability, efficiency, speed,
and flexibility. This unique strategy deposits borrowers into an
intelligent, results-driven process that establishes affordable, long-term
mortgages while also achieving an improved return for lenders and
investors, when compared to foreclosure.

Competitive Advantage: Halo’s approach can help stabilize the
U.S. financial markets by minimizing foreclosures on the 6.4 million loans
that are currently past due or are projected to become delinquent by
mid-2010. Halo’s technology can provide deeper insight into the
complete financial picture of a borrower – an insight that is
unprecedented in the industry today.

Model: Halo Portfolio Advisors leverages the complete Halo
business-to-consumer suite of services to market turnkey solutions to
lenders.

Halo Companies Inc. National and Regional Recognition

Halo has been recently recognized by Inc. Magazine, Capital One Bank,
Comerica Bank’s, and the SMU Cox School of Business.

Halo Companies, Inc. Honored with Celebration of Enterprise
Award

November 05, 2009 – Honored by Capital One Bank recently when it
received the Celebration of Enterprise Award. The Celebration of
Enterprise Award is designed to recognize entrepreneurial spirit and
reward those who saw significant economic growth and overcame daunting
obstacles to achieve that growth. Halo Companies, Inc. was selected from a
group of seven finalists as the winner of their category.

Dallas CFO of the Year Award

October 27, 2009 – Chief Financial Officer Paul Williams honored
as the recipient of the Dallas CFO of the Year Award. The award is judged
and presented as a part of the Dallas Business Journal’s annual
awards program. Under Williams’ financial leadership during the last
year, Halo has seen impressive growth and increased shareholder value at a
rate of 252%.

Paul Williams has over 30 years of business experience primarily in
the capital markets and mergers & acquisitions. The CFO of the Year
finalists were selected for being among the most outstanding CFOs in North
Texas. Candidates were considered for their contributions to their
company’s growth and/or profitability, areas of corporate management
in addition to the CFO role, as well as contributions to the community
outside the company. Finalists and winners were selected by an independent
judging panel consisting of past winners and recommended judges from ACG,
the Dallas CPA Society, and FEI.

President Mortgage Orb Person of the Week

August 28, 2009 – Scott McGuane, president of Halo Companies,
Inc., was recognized by mortgageorb.com as Person of the Week. The
recognition includes a feature of Mr. McGuane on mortgageorb.com where he
answers questions about the challenges facing the mortgage industry and
provides insight to forward-looking solutions that Halo Companies, Inc.
actively seeks to provide.

Scott McGuane joined Halo Companies, Inc. in January to serve as
president. Mr. McGuane has more than twenty years’ experience in
financial services, retail lending and residential mortgage with companies
such as Accredited Home Lenders, Inc., Bear Stearns, Citigroup, and AIG.
Before that, McGuane provided consulting for strategic planning, mergers
and acquisitions process reengineering and change management across a wide
range of industries.

Inc. Magazine Recognizes Halo as One of the Fastest Growing
Companies in America

August 18, 2009 – Halo Group, Inc., a subsidiary of Halo
Companies, Inc., was recognized by Inc. Magazine this month in the 28th
annual issue ranking the fastest growing private companies in America.
Halo was recognized as the 533rd fastest growing company in America.

Inc. Magazine publishes a comprehensive listing of the fastest growing
companies in America each year. The list is composed of companies that
range across industries from construction and manufacturing to financial
services. Halo Group, Inc. was recognized as number 16 in the region and
23 in the financial services industry. The list can be viewed in its
entirety online at www.inc.com.

Inc. Magazine, delivers advice, tools, and services, to help business
owners and CEOs start, run, and grow their businesses more successfully.
You’ll find information and advice covering virtually every business
and management task, including marketing, sales, finding capital, managing
people, and much, much more. Visit www.Inc.com for more information.

Comerica Bank Recognition as Third Fastest Growing Company in
Region

June 23, 2009 – Honored by Comerica Bank by earning the third
spot in the annual Collin 60. The Comerica Bank Collin 60 showcases the
FASTEST growing companies in one of the fastest growing counties in the
country. Collin County is one of the fastest growing counties in America,
and 15,000 companies call Collin County home, making this a significant
achievement to be recognized as the 3rd fastest growing company in this
community.

The Comerica Bank Collin 60 has been established to show the world the
strength of business in this dynamic growth area of the country. The
cities of Allen, Celina, Far North Dallas, Farmersville, Frisco, McKinney,
Melissa, Murphy, Plano, Prosper, Richardson and Wylie and many others are
included in the search.

Halo Companies, Inc.
One Allen Center
Suite 500 /> 700 Central Expressway South
Allen, TX 75013
Phone:
214-644-0065

About Halo Companies, Inc.

Halo Companies, Inc. is a nationwide holding company based in Allen,
TX with ten subsidiaries that operate primarily in the consumer financial
services industry including debt, mortgage, real estate, credit, loan
modification, and insurance. Halo has been recently recognized by Inc.
Magazine, Comerica Bank’s Collin 60, and the SMU Cox School of
Business Dallas 100. For more information about Halo Companies, Inc.,
visit www.myhalogroup.com.

Cautionary Language Concerning Forward-Looking Statements:

Information set forth in this profile contains financial estimates and
other forward-looking statements that are subject to risks and
uncertainties, and actual results might differ materially. A discussion of
factors that may affect future results is contained in Halo Companies
Inc.’s filings with the Securities and Exchange Commission. Halo
Companies, Inc. disclaims any obligation to update and revise statements
contained in this profile based on new information or otherwise.

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