Use your dead retirement fund to secure your future.

What is private lending?Q: What does it mean to become one of your private lenders?

A: We borrow against equity:

Property we own

Property we’re buying

Our private lenders earn 2-3x CD rates

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How is the money used?Q: How will you use my money?

A: We need funds for: New purchases Money to fix up, maintain and occupy properties Pay off real estate notes that come due

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Why?Q: Why don’t you go to banks or other lenders?

A: Banks and other lenders require applications and approvals:

There are limits to the number of loans Time for their approval process is never certain We can move faster without these limitations Allows us to negotiate more profitable deals

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How ?Q: How can you afford to pay double or triple CD rates?

A: Our money is made providing valuable services: To sellers, buyers, renters and private lenders We occupy house fast and avoid holding costs We fix up and maintain properties for less We formulate offers so buyers and sellers get a deal

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Market conditionsQ: Are you concerned about housing prices going down?

A: We’re prepared to hold for 5, 10 or 15 years:

Our investing plans are determined by Income we expect from the property

now and in the future

If we think a property value may go down We make any adjustments upfront

before making an offer to buy

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RateQ: What interest rate do you pay?

A: *We pay about 2 and 3 times CD rates:

We currently offer 8% to 10% You’ll now exactly what rate you get prior to making

any investment

*Based on 5 year, FDIC insured CDs National average is about 3%As of June 2009

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Which Rate ?

Q: What determines whether you pay me 8% or 10% interest?

A: We currently pay:

8% on a mortgage in first lien position10% on a second or junior lien position

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TermQ: How long will my funds be invested?

A: Most of our loans are setup for 5 years:

It depends on what we both want and need Depends on our plans for the property rent & hold or fix &

flip You always decide what term works for you

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Early OutQ: What if I need my money sooner?

A: Real estate notes are illiquid investments:

Our policy is to help any private lender who requests an early payoff whenever we can

We ask that you give us advance notice preferable 60 days

We would try meet such a request by: Selling early or most likely Finding another private lender

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GuaranteeQ: Do you guarantee my interest for the full term of my note?

A: Your interest is fixed and locked:

For as long as the note is out But we may sell or refinance Before the full term is up

You’ll always earn your note interest Until it’s paid in full But we have the right to pay off early

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PaymentsQ: Will I receive monthly payments?

A: In most cases you can receive monthly payments of:

Principal and interest, or

Interest only

Interest only payments keep your entire investment working for you each month

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MinimumQ: What is your minimum investment?

A: We prefer to borrow at least $25,000

If a deal needs less then it may be easier for us to just use our cash reserves

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InsuredQ: Is your investment program insured by the government?

A: No

There’s no government backed guarantee Your main protection and security is

the amount of equity in the property

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ApprovedQ: Has the IRS approved your program for retirement accounts?

A: The IRS does not approve or endorse investment programs:

They establish guidelines in order for you to invest in notes , tax deferred or tax free You may need the services of a custodian We have used Equity Trust Company www.trustetc.com

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CostsQ: What are the upfront costs involved?

A: Our policy is to pay for all the closing costs

We pay for Closing agent and doc prep fees Notary fees and overnight mail fees Bank wire fees and recording costs

We do not charge fees or commissions

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Loan positionsQ: Will my money be pooled with other investors?

A: No

We do not pool funds

Your money will fund one or more real estate note secured properties with sufficient equity

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Next stepQ: What happens next if I want to get started?

A: We will find you a suggested deal once we know:

How much you want to invest at our high rates When those fund are available

When we have a deal meeting your goals and investment needs, we’ll give you all the details and then you can decide to pass or invest

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Next stepQ: Can you work with people I know who might be interested in

your program?

A: It’s our policy only to work with people that we have an existing relationship with, like yourself, however:

You can certainly refer potential lenders to us and we’ll be happy explain the program and begin learning more about their investment goals

Once we get to know them more then there’s a good chance they can also become on of our private lenders

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General DisclaimerGeneral Disclaimer

The information in this document is being provided for illustrative purposes. It is suggested that you seek professional legal advice as certain federal and state rules, regulations and laws may apply.

This program is designed to provide information in regard to the subject matter covered. While all attempts have been made to verify information provided, the authors do not assume any responsibility for errors, omissions or contrary interpretation of the subject matter. The information in this program is not intended to be legal advice, nor a substitute for obtaining legal advice from competent, independent legal counsel. It also is not designed or intended to be relied upon as authoritative financial, investment or professional advice.

The authors are NOT engaged in rendering legal, accounting, or other professional services. If legal or expert assistance is required, the services of a competent professional should be sought. The author wants to stress that information contained herein may be subject to varying state and/or local laws or regulations. All users are advised to retain competent counsel to determine what state and/or local laws or regulations may apply to the user’s particular business.

Neither Roop Enterprises, Inc., RichardRoop.com, Inc., nor the authors warrant the accuracy, reliability or timeliness of any information covered in this program and shall not be held liable for any losses caused by reliance on the accuracy, reliability or timeliness of such information. The user of this program assumes responsibility for the use of these materials and information. Adherence to all applicable laws and regulations, both federal and state and local, governing professional licensing, business practices, advertising and all other aspects of doing business in the United States or any other jurisdiction is the sole responsibility of the user. The authors assume no responsibility or liability whatsoever on the behalf of any user of this program.

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