8/19/06 Click to advance Agenda n What is Private Mortgage Lending? n Whats in it for you.? –How you benefit. Turn speakers on There is sound

8/19/06 Click to advance How Does Your Bank Make Money Today? n They take in money on CDs. (You) n They then loan the money out at a higher rate of interest to other people to buy houses. (Me) I am cutting out the middle man.

8/19/06 Click to advance Private Investor Program Overview n We buy & sell houses. n To buy houses, we prefer to borrow money from private individuals. n We pay you 12% to use your money. n It is really a very simple plan. Think of it like you would with a bank CD..

8/19/06 Click to advance Private Investor Program How it Works n 1) We locate a property we want to buy. n 2) We borrow from you to purchase the property. n 3) We have a formal closing and you get a mortgage on the home with other important documents Availability of cash allows us to buy at a discount.

How it works Private Investor Purchase House Documents Securing investment Tenant Buyer 12% Interest Payments Rent Payment

8/19/06 Click to advance Private Investor Program Payments 1) The interest accrues until the house is sold and you get (1) check for principle and interest of 12 %. Or 2) We make quarterly payments of 10% simple interest. Or 3) We will make monthly payments of 8% if you like a monthly income.

8/19/06 Click to advance Our Guarantee n We wont lower your rate as long as the money is invested on a property. n We guarantee you 12% simple interest. Thats the least you can make, unless you want quarterly or monthly payments.

8/19/06 Click to advance Early Withdrawal of Your $10,000 CD Yield12 Month Return 3.5%$ %$1,200 A banks (6) month penalty is only $175 on this CD. You still would make $1,025 more even with the penalty. There is NO withdrawal penalty with us

8/19/06 Click to advance Private Investor Program $25,000 Loan Sample n $25,000 x 12% = $3,000 per year. n Bank 3.5% = $875 per year. Bank 5% = $1,250 per year. We pay $2,125 more than a 3.5% CD!!! We pay $1,750 more than a 5% CD!!!

8/19/06 Click to advance How Can We Buy Houses So Far Below Market Value? n Our specialty is distressed properties that usually need to be renovated. n We know where to look, what to buy, what not to buy and how to renovate. n We create value by taking ugly, vacant homes that are eye sores and putting them back in use after renovation.

8/19/06 Click to advance Documents Securing Your Investment n Promissory Note. n Mortgage. n Hazard Insurance Policy. Lenders have no expense

8/19/06 Click to advance Your BIGGEST Concern Protection of Principle n #1 Rule: Money borrowed is no higher than 90% loan-to-value after renovated. n Most times only 70-80% loan-to-value Additional security because we dont over leverage the property.

8/19/06 Click to advance 90% loan to value $50,000 After Repaired Value $45,000 Max Loan There Is Always Plenty of Equity Above Your Loan.

8/19/06 Click to advance Example of taxed and tax free We can invest your IRA or pension plan. Now your returns are tax deferred or tax free. Its simple, easy and we do the work. Got IRA Money?

8/19/06 Click to advance People Who Sell us Houses n Banks. n Private Individuals. n Realtors.

8/19/06 Click to advance People Who Buy Our Houses n Achieve the American Dream of home ownership. n Many could not buy without our special programs and willingness to go the extra mile.

8/19/06 Click to advance What Happens to My Investment if the company goes out of business? Business is structured to sell properties and pay you off. Your loan is still secured by the property. The property will be sold and your principle and interest will be paid as agreed.

8/19/06 Click to advance Agenda n Private Investor Program n Company Overview –History –Dream Team

8/19/06 Click to advance Company Story n We started investing in real estate in We formally formed the company RJscore in 2004, and incorporated in 2006, with Richard (Rick) Strobel as president. n Our goal is to grow the company by providing affordable housing to tenants and 1 st time homebuyers.

8/19/06 Click to advance Company Story Continued n The company is a private for-profit real estate investing company. n It has become a serious real estate investment firm, located in the Northern part of Illinois. n We acquire, rehab, and lease residential and, at times, commercial real estate.

8/19/06 Click to advance Integrity n That word has meaning for us. n It was chosen as our motto because it is the way we want to treat our customers, our suppliers and each other.

8/19/06 Click to advance Competitive Advantage n Our competitive advantage is speed to purchase a property and knowledge of creative real estate techniques.

8/19/06 Click to advance RJscore, Inc. n We are a Corporation. n We short-term hold properties. n Manage rentals.

8/19/06 Click to advance How To Find Us n Office & mailing address: 1708 Lakecliffe Dr., Wheaton, IL n Phone: (direct to Rick) n Web Site: RJscore.com. n

8/19/06 Click to advance Houses Purchased

8/19/06 Click to advance Critical Success Factors n What makes our company unique. –Integrity, systems, speed & knowledge. n What makes our company successful. –Teamwork, drive, focus, & hard work. A shared vision.

8/19/06 Click to advance The Next Step? n By now you know how this program works and how you can earn 12% starting today. n You have (3) options: We hope you decide to join our team

8/19/06 Click to advance The Next Step? 1) Option One - Do nothing. This isnt for you. Can you give us names of folks that you feel it would serve. 2) Option Two - Fill out the commitment form to set up a one-on-one meeting to discuss more details 3) Option Three - Fill out the commitment form and mail it with a check payable to RJscore, Inc Lakecliffe Dr., Wheaton, IL 60187

8/19/06 Click to advance Commitment Form YES! I would like to get started as soon as possible. Close out from here and fill out the Commitment Form on the next page.