1. Christopher Yates - President www.cmyatescapital.com

2. This is not an offer to sell securities. Any person, entity, or organization must first be qualified by the company and read all of the offering documents and attest to reading and fully understanding such documents. CM Yates, Inc. and its affiliates are not licensed securities dealers or brokers and as such, do not hold themselves to be. This presentation should be construed as informational and not as an advertisement soliciting for any particular purpose. All securities herein discussed have not been registered or approved by any securities regulatory agency in accordance with the securities act of 1933 or any state securities laws.

3.  CM Yates locates a property to buy at a significant discount below market value.  CM Yates borrows funds from private investors to purchase and renovate the property.  CM Yates sells the property for profit or holds the property for cash flow and potential appreciation.

4.  We specialize in distressed properties that usually need renovation.  We know where to look, what to buy, what NOT to buy, and how to renovate.  We create value by purchasing ugly, vacant homes and turning them into attractive, functional, family homes.

5. 1. Joe moves his retirement account to Entrust New Directions Roth IRA 2. Joe applies to become a Private Lender at www.cmyatescapital.com www.cmyatescapital.com 3. Joe receives company updates and announcements of available private notes.

6. 4. Joe calls or e-mails CM Yates with interest in a specific note, or inquires if a note is available with their preferred terms. 5. Joe selects a note that meets his criteria and requests to be the lender on the note.

7.  ARV (After Repaired Value) = $160,000  Note Amount = $100,000  LTV (Loan-To-Value) = 62.5%  Term = 1 Year  1 st Position Note  Points = 1.5  Interest Rate = 12%  APY (Annualized Percentage Yield) = 13.5%

8.  Interest Payments  Monthly  Quarterly  Annual (for terms longer than 1 year)  Accruing  Custom

9.  Rehab Escrow Account  Tax and Insurance Escrows or Pre-Payment  Longer Term Notes  Junior Position Notes  Non-Retirement Account Funds  Additional Information  Property Tour  Scope of Work, etc.

10. Purchase Price: $71,000

12.  CM Yates prepares Note and Deed of Trust  CM Yates pre-fills Entrust Direction of Investment forms for Joe  Joe reviews all documents for accuracy and approves  Joe faxes signed documents to Entrust  Entrust wires funds to title company  Title Company funds deal

13.  Title company records Deed of Trust  Title company sends Note to Entrust  CM Yates begins renovation  CM Yates mails interest payments to Entrust for deposit into Joe’s IRA account

14. After Repaired Value: $160,000

19.  CM Yates Purchase Price = $71,000  Estimated Renovation Budget = $18,000  Closing Costs = $500  Pro-Rated Taxes and Insurance = $1,000  Total Cost Basis = $90,500

20.  Investor Funds: $100,000  Lender Fees: $1,500  CM Yates Cost Basis: $90,500 Remaining Funds = $8,000

21.  $100,000 Principal Invested + 1.5 Points = $1,500 + Interest @ 12% = $12,000 = $13,500 Earned in 1 Year 13.5% APY Secured by Deed of Trust Insured by Hazard Policy

22. 1. CM Yates sends a pay-off check to Entrust for credit to Joe’s IRA Or… 2. CM Yates offers Joe an extension for a longer term

23.  Multiple Exit Strategies  We can offer you a Note renewal.  We can re-finance your Note with another lender.  We can bring in a credit partner to re- finance.  We can sell the property quickly at a discount to another investor.

24.  Personal Real Estate Investor Magazine November/December 2008 Issue “Assured Returns by the Numbers”  MSNBC.com “New Breed of Investor Looks to Housing Market” http://www.msnbc.msn.com/id/27518326

25. www.cmyatescapital.com Toll Free: 1-877-8-CMYATES This is not an offer to sell securities. Any person, entity, or organization must first be qualified by the company and read all of the offering documents and attest to reading and fully understanding such documents. CM Yates, Inc. and its affiliates are not licensed securities dealers or brokers and as such, do not hold themselves to be. This e-mail should be construed as informational and not as an advertisement soliciting for any particular purpose. All securities herein discussed have not been registered or approved by any securities regulatory agency in accordance with the securities act of 1933 or any state securities laws.