1. Realtor Partnership Realtor Partnership

2. why islamic finance why islamic finance NJ is the fastest growing state for Muslims Muslims are significant home buyers Muslims are asking for it Competitive pricing and personalized service

3. about company about company 100 year old, Michigan based Operational in 14 states Islamic Banking for 10 years $400+ million in residential contracts $30 million in Deposit accounts $15 million in Commercial Contracts

4. They say, “Trade is a kind of riba (interest)”. But We have made trade lawful and riba unlawful. Quran 2:275

5. Once Bilal brought Barni (i.e. a kind of dates) to the Prophet and the Prophet asked him, "From where have you brought these?" Bilal replied, "I had some inferior type of dates and exchanged two units of it for one unit of Barni dates in order to give it to the Prophet to eat." Thereupon the Prophet said, "Beware! Beware! This is definitely riba (Interest)! This is definitely riba (Interest)! Don't do so, but if you want to buy (a superior kind of dates) sell the inferior dates for money and then buy the superior kind of dates with that money." Narrated Abu Said al-Khudri

6. Types of islamic real estate transactions Types of islamic real estate transactions Murabaha: Installment Sale Ijara: Lease to own Musharaka: Co-Ownership

7. The Murabaha Transaction 1)Ahmed finds a house that he likes and negotiates the price with the seller 2)UIF buys the house from the seller 3)UIF resells the house to Ahmed For Example $100,000 $119,400 ($994 monthly payment with a 10 year term)

8. our murabaha features our murabaha features Down payment as low as 5% 15, 20, & 30 yr terms Purchase or refinance 1 to 4 unit primary or investment property Cash-out refinance

9. let’s be partners let’s be partners Up to $500 credit towards closing costs for your customer! Most purchase closings within 30 days! Pre-Approvals in 24-48 hours! Joint Marketing Programs Regular updates to Realtors on file status Invitation to attend company sponsored seminars 93% Customer Satisfaction 93% Customer Satisfaction

10. sample of a joint flyer sample of a joint flyer

11. “we’ll take your calls” “we’ll take your calls” Wesam Berjaoui Regional Manager (732) 790-0885 wesam@myuif.com www.myuif.com