2. Private Lending Topic Secured Hassle-Free Superior Yields Copyright 2009 Real Estate & More, LLC

3. Private Lending Angie Horton CEO Real Estate & More, LLC.

4. WELCOME n We are so glad that you are here and this presentation will help us get acquainted. n I really want you to understand what we have to offer. n I encourage questions, too. n I’ll stick around after the presentation to answer individual questions also. This is not a public offering or offer or invitation to sell securities or make an investment. Securities are offered or sold by registration or exempt offering only.

5. Agenda n What is Private Mortgage Lending? n What’s in it for you.? –How you benefit. –These are examples, subject to change. Please hold your questions for two reasons: 1) I’ll probably answer it anyway. 2) Some folks have time constraints.

6. How Does Your Bank Make Money Today? n They take in money on CDs. (You) n They then loan the money out at a superior rate of interest to other people to buy houses. (Me) I am cutting out the middleman.

7. Private Lender Program Overview n We buy & sell houses. n To buy houses, we prefer to borrow money from private individuals. n We pay you up to 8% to use your money. n It is really a very simple plan.

8. Private Lender 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.

9. How it works Private Lender Purchase House Documents Securing Loan Tenant Buyer 8% Interest Payments Rent Payment

10. Private Lender Program Payments 1) We will make monthly payments if you like a monthly income. Or 2) The interest accrues until the house is sold and you get one check for principal and interest.

11. Early Withdrawal of Your $100,000 CD Yield 12-Month Return 2%$2,000 8% $8,000 A bank’s 6-month penalty is only $1,000 on this CD. You still would make $7,000 more even with the penalty. There is NO withdrawal penalty with us

12. Private Lender Program $100,000 Loan Sample n $100,000 x 8% = $2,000 per quarter. n This is $8,000 per year. n A bank CD @ 2% pays $2,000 per year. That’s a difference of $6,000 per year!!!

13. How Can We Buy Houses So Far Below Market Value? n Our specialty is distressed properties that usually need 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.

14. Documents Securing Your Loan n Promissory Note n Mortgage n Hazard Insurance Policy n UCC-1 Filing n Title Insurance n Appraisal Lenders have no expense!

15. Your BIGGEST Concern Protection of Principal n #1 Rule: Money borrowed is no higher than 70.00% loan-to-value after renovated. Additional security because we don’t over-leverage the property.

16. 70.00% Loan-to- Value $100,000 After- Repaired Value $70,000 Max Loan There Is Always Plenty of Equity Above Your Loan.

17. Take Control Of Your Future Are You: n Retired n Laid Off Have You: n Quit Your job

18. You can self direct your IRA (Traditional/Roth) or pension plan. Your returns stay tax deferred or tax free. It’s simple, easy and we do the work. Do You Have Money in IRA’s, 401K Pension Plans

19. You’re In Control We Do the Paperwork 1. Open account with IRA: (Called Custodian) 2. Rollover funds to Amanda Ealey: From your current custodian 3. Self direct funds to closing 4. You earn 8% 5. When house sells (Closes), funds are sent directly back to your custodian. 6. You decide if you do it again!

20. Whole Life Insurance Policies? n Borrow your cash value, which is earning low rates of return n Loan back out to Real Estate & More, LLC. to buy houses n You earn 8%

21. People Who Sell us Houses n Banks n Private Individuals n Realtors

22. People Who Rent Then Buy Our Houses n Achieve the American Dream of homeownership n Many could not buy without our special programs and willingness to go the extra mile

23. What Happens to My Loan if Angie Dies 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 principal and interest will be paid as agreed.

24. Agenda n Private Lender Program n Company Overview –History –Dream Team

25. Company Story n We have a blast with Real Estate! n Our goal is to grow the company by providing affordable housing to tenants and 1 st time homeowners. n In time, its scope will encompass Salt Lake City and the surrounding area.

26. Company Story Continued n The company is a private for- profit real estate investing company. n We acquire, rehab, and lease residential and, at times, commercial real estate.

27. Buy, Flip, Retain Real Estate. n That word has meaning for us. n It was chosen because it is the way we want to treat our customers, our suppliers, and each other.

28. Competitive Advantage n Our competitive advantage is speed to purchase a property and knowledge of creative real estate techniques.

29. Real Estate & More, LLC. n We are a Corporation. n Short-term hold properties. n Manage rentals.

30. How To Find Us n Office Location: 525 East 4500 South Suite F100, Salt Lake City, Utah 84107. n Mailing Address: 525 East 4500 South Suite F100, Salt Lake City, Utah 84107. n Web Site: www.havingablast-rem.com n E-Mail: havingablast-rem@gmail.com

31. Our Office Insert Picture of Your Office Here.

32. Our Website Insert Screen Shot of Your Website Here.

33. Properties Listed Insert Screen Shot of Your Properties from Your Website, or List Your Properties Here.

34. Houses Purchased Insert Picture of a House or Houses You Have Purchased.

35. Critical Success Factors n What makes our company unique. –Beyond the limits of cash or credit we create real wealth!. n What makes our company successful. –Teamwork, drive, focus, & hard work. A shared vision.

36. The Next Step? n By now you know how this program works and how you can earn 8% starting today. n We will give you our disclosure statement to show the risk. n You have three options: We hope you decide to join our team

37. The Next Step? 1) Option One - Do nothing. This isn’t for you. Can you give us names of folks that you feel it would serve. 2) Option Two - Set up a one-on-one meeting before you leave to discuss more details. 3) Option Three - Fill out the form and leave it with us. We’ll be in touch.

38. Commitment Form Name __________ Address ________ City ___________ YES! I would like to get started as soon as possible.