| 1. Robert Lovell is the owner and CEO of HMS, Inc. |
| 2. An accident left Bob's father permanently disabled when Bob was only 11 years old. |
| 3. At 17, Bob joined the army with his mother's approval. |
| 4. Bob graduated high school a year early in 1968 and served in the Army from 1968-1971. |
| 5. After his military service, Bob found success in the insurance industry. |
| 6. In January 1997, Bob established HMS (Home Marketing Services, Inc.) to aid those who never thought they could own a home. |
| 7. Bob assisted his brother in moving to Florida and helped him improve his credit to buy a home. |
| 8. Though Bob couldn't afford college, his daughter holds a double master's degree. |
| 9. Over 10,000 families have achieved homeownership with the help of HMS in the last 20+ years. |
