1. A Little Known Option for Investing

2. Would You Like More Choices For Your Investment Funds? It’s a common misconception among Americans that the only investments allowed are: It’s a common misconception among Americans that the only investments allowed are: Passbook savings, CDs Passbook savings, CDs Annuities Annuities Stocks Stocks Bonds Bonds Mutual Funds Mutual Funds

3. While these kinds of investments may be right for some, in some market cycles, they don’t offer the kind of returns, freedom, and diversity, that many Investors are desperately searching for ! Truth is that broader investment options are available to the public.

4. Before we go any further, let me share a little bit about myself and my background.

5. My Goal Today Is To Share With You An Alternative To Typical Investments Today Is An Educational Training Only

6. Dealing With Questions 2 ways to go… Let everyone ask questions but I won’t be able to get through everything. Hold your questions and I’ll answer them after the end of the presentation OR

7. 1. Session # 1 (Recap) What Is Self-Directing What Is Self-Directing What is Private Lending What is Private Lending Choices For Your Investment Funds Choices For Your Investment Funds Options You Have Options You Have 2. Session # 2 Retirement Funds/Private Strategy Session Retirement Funds/Private Strategy Session Today’s Agenda

8. #1 What Is Self-Directing

9. What Does Self-Directed Investing Mean? In plan English… Rather than someone else deciding how and where you should invest your hard earned money. Rather than someone else deciding how and where you should invest your hard earned money. You take control of your investment capital utilizing the full list of potential investment options - not just the ones that they get paid to direct you too! You take control of your investment capital utilizing the full list of potential investment options - not just the ones that they get paid to direct you too!

10. What Does Self-Directed Investing Mean? Why haven’t they told you… The government actually made all these investment types available since 1973 because of the uncertainty of Social Security The government actually made all these investment types available since 1973 because of the uncertainty of Social Security You have the ability to invest in all types of investments except those prohibited by the U.S. Treasury Department regulations and the Internal Revenue Code You have the ability to invest in all types of investments except those prohibited by the U.S. Treasury Department regulations and the Internal Revenue Code

11. #2 What Is Private Lending? What’s in it for you?

12. Think About How Your Bank Makes Money Today? They take in money on low interest savings, IRAs, and CDs. (You) They take in money on low interest savings, IRAs, and CDs. (You) They then loan the money out at a higher rate of interest to other people as mortgages, auto loans, credit cards, etc. They then loan the money out at a higher rate of interest to other people as mortgages, auto loans, credit cards, etc.

13. Think About How Your Bank Makes Money Today? They make money on the spread! That is the difference of what they pay verses what they get paid ‘Being The Bank’… Offers Much Higher Returns On Your Investment Dollars & Allows You To Keep Control Offers Much Higher Returns On Your Investment Dollars & Allows You To Keep Control

14. This Training Is On How You Can Be The Bank

15. Private Lender Advantages Private Lender Advantages Earn above average rate of return Earn above average rate of return Your in control because you choose who and when you loan $$$ to Your in control because you choose who and when you loan $$$ to Option for monthly income $$$ Option for monthly income $$$

16. #3 Choices For Your Investment Funds

17. Let’s Look At This Little Known Investment Choice… Private Lending For The Purpose Of Real Estate Investing In Mortgages

18. Why Private Mortgage Lending? Private Mortgage Lending offers an investment asset that helps to diversify your investment portfolio Private Mortgage Lending offers an investment asset that helps to diversify your investment portfolio Easy to understand the local market because we live here Easy to understand the local market because we live here

19. Let’s Compare The Rates Of Return vs. The Risk On… Passbook Savings & CDs Vs. Private Mortgage Lending

20. Compare Two Rates Of Return… 1. What returns are passbook savings & CDs currently paying? 2. Private Mortgage Lending can increase your return 5, 6 possibly 8 times

21. Compare Risk Of Two Options… 1. Passbook Savings, CDs are FDIC insured. 2. Real Estate Loans are not. While Real Estate Loans are secured by the property, risks are involved.

22. So With Additional Risk Comes The Potential For Higher Returns Just do your due diligence prior to lending

23. Real Estate Investor System Buy & sell houses. Buy & sell houses. To buy houses, they prefer to borrow money from private individuals. To buy houses, they prefer to borrow money from private individuals. Specialty is distressed properties that usually need renovated. Specialty is distressed properties that usually need renovated. They know where to look, what to buy, what not to buy and how to renovate. They know where to look, what to buy, what not to buy and how to renovate. They create value by taking ugly, vacant homes that are eye sores and putting them back in use after renovation. They create value by taking ugly, vacant homes that are eye sores and putting them back in use after renovation. Availability of cash allows them to buy at a discount.

24. Private Lending Money Machine Self Direct Funds To Purchase Closing How It Works Closing to Purchase Property Investor Finds Buyer Principle & Interest Return to your account Closing to Sell Property Locate Real Estate Investor

25. Your Biggest Concern Protection Of Principle #1 Rule: Money borrowed is no higher than 70% loan-to- value after renovated This offers additional security by not over leveraging the property.

26. 70% loan to value $100,000 After Repaired Value There Is Always Plenty of Equity Above Your Loan. $70,000 Max Loan

27. Documents You Want to Receive Original Promissory Note Original Promissory Note Recorded Mortgage Recorded Mortgage Hazard Insurance Hazard Insurance Title Insurance Title Insurance Make Sure You Get These

28. Private Mortgage Lending Program - How It Works Seven Simple Steps 1) You locate a Real Estate Investor you want to work with. 2) You self direct your capital/IRA funds to closing agent for purchase closing. 3) They have a formal purchase closing (just like the bank) 4) Real Estate Investor signs promissory note and mortgage is issued to you secured by the property (just like with the bank)

29. 7 Steps Continued 5) You either collect monthly interest payments or interest accrues until house sells 6) Investor sells property and at sale closing a check is made for your principle and interest accrued and returned directly to you 7) You choose if you want to do it again The Real Estate Investor Does All The Work

30. Simple Rules To Follow To receive Mortgage loans Real Estate Investor must be To receive Mortgage loans Real Estate Investor must be Exempt Exemptor Registered Registered

31. Simple Rules To Follow Before you invest get a disclosure statement from the Real Estate Investor to see how their program is structured and the risks.

32. #4 Options You Have For Funding How You Benefit

33. You Have Options Cash Cash Passbook Savings Passbook Savings CDs CDs Other Liquid Funds Other Liquid Funds IRAs/401K IRAs/401K Traditional Traditional Roth Roth Other Other

34. But, What If They Don’t Pay? Well, you could make more money!

35. BEST CASE: Investor can deed the property over to you Investor can deed the property over to you WORST CASE: You can foreclose on the property to get ownership You can foreclose on the property to get ownership THEN YOU CAN: Sell the property Sell the property Rent the property Rent the property

36. We Congratulate You On Taking Time To… Be here & learn this little-known secret of investing!

37. Want More Information? I’d Be Happy To Send You Two Special Question and Answer Reports

38. These Special Reports Answer… 10 Key Questions On Private Lending 10 Key Questions On Private LendingPlus… Advantages to Tax Deferred Investing Advantages to Tax Deferred Investing Advantages of a Self-Directed IRA/401K LLC Advantages of a Self-Directed IRA/401K LLC How to Leverage Your IRA/401K How to Leverage Your IRA/401K And Much Much More! And Much Much More!

39. Just let me know today Or Go to: www.roarenow.com Fill Out The Short Form and enter your phone number Or Call Our Will at: (651)-789-5386 And we will immediately send you these great reports

40. Please Join Us For Our Next ROARE Meeting Session # 2 Thursday, August 27 Details will be posted on ROARE Meet Up