CONTENTCEO’s statement

Board and capital structure

Our company

Events of 2012

The year 2012 ahead

Auditor’s report

Financial statement

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NOTES FROM OURCHEIF EXECUTIVE OFFICER

The LeaseLock® Team recerntly designed and implemented a web-based video for the landing page for LeaseLock®’s landing page. Our team spent several days working on this animated video which outlines our unique product offering. Go visit leaselock.com to view this new feature to our website.

Decrease in Apartment Development

-4%

Since 2011, the percentage of U.S. Renters has risen to almost 35%—

the highest rate since 1995.

Since 2008, there has been a 4% decrease in Apartment

Developments across the U.S.

35%increase in U.S. Renters in 2011

Reichen LehmkuhlCEO, Founder

Dear Friend,I wanted to introduce you to the story of

Larry: Larry, needed to move into a new apartment. Although he was gainfully employed and his

financial standing was on the rise from a past job loss, his credit rating stood in the way, and he did not qualify with his intended landlord. He went to friends and family to seek a guarantor for his lease without success. He had no options until his landlord shared with him LeaseLock®. After a successful application Larry moved into his new home. Larry’s full story can be seen at www.LeaseLock.com.

Introducing the most exciting new guarantee program for leasing apartments and other residential rental units: LeaseLock®

In conjunction with a worldwide rated reinsurer, and

with the association of Mucker Lab, LeaseLock® has created a program that assists credit-challenged individuals, foreign nationals with no established U.S. credit, and those who don’t meet the required qualifications to lease their home, by providing landlords with the solid guarantee they seek in order to lease to the applicant with peace-of-mind.

The concept of LeaseLock® was born to remedy the needs of millions who suffered a financial loss in a recession, but whose credit ratings, by system design, didn’t recover quickly enough to match the actual financial power of the individual so rated. Those individuals, and now many more, are perfect applicants for a LeaseLock® Guarantee.

Attached you will find the full LeaseLock® story and a very exciting investment opportunity which we hope you will consider.

Our association with Mucker Lab is as exciting as our product. Mucker Lab is a nationally renowned business incubator/accelerator. They only align themselves with approximately 7 – 14 companies per year, and the success of these associations can be viewed at www.MuckerLab.com.

So please take the time to read the attached executive summary, visit the various websites and become a part of history. Representatives from Brolacky Investment Group, one of our financial advisors, will be contacting you to discuss this great opportunity.

Sincerely,

Reichen Lehmkuhl

CEO - Founder

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THE CHANGINGU.S. RENTAL MARKET

Since the economic downturn of 2008, the U.S. Rental Market has drastically changed. Not unlike Europe, the U.S. is becoming a more “renter-based” community. More people are realizing that owning a home isn’t all that it promises. In an ever-changing economy, U.S. residents are beginning to move into apartment communities across the country. In 2012, the total annual revenue generated from Renter-Occupied unites was $537Billion. This ever-increasing amount represents revenue generated by over 36 million apartments across the U.S. The demographic change puts enormous pressure on the rental housing stock, tightening supply, and pushing up rent prices in metro areas across the nation. Furthermore, it puts pressure on the U.S. Renter who can’t completely qualify for the apartment they dream

of. However, thanks to the founders of the LEASELOCK® GUARANTEE, U.S. Residents and Landlords and Property Managers move further down the road with this unique offering that will change the way U.S. Residents rent.

$537b

36m

$1231

Total Annual Revenue Generated from Renter-Occupied Units in U.S. in 2012

Total # of Apartments in the U.S. that are renter-occupied

Average U.S. Rent per month

Real estate experts and analysts suggest that many people are unable to buy a home. Therefore, the rental market is expanding and with it the rent charged for a rental unit.

“Investors will increase their holdings in large apartment communities to strengthen their positions during times of high rental demand,” according to a Jan. 6 article on The Niche Report website, a magazine that reports real estate news.

INTERESTING FACTS ON THE CHANGING U.S. RENTAL MARKET

1.5 million households are moving into

rental properties just in the past year, according to a recent report by Freddie Mac.

TOTAL REVENUE GENERATED: $20b

TOTAL REVENUE LOST: $3b

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TOP 4 U.S. RENTAL MARKETS:GUARANTORS AND VACANCIES

SAN FRANCISCO NEW YORK CITYCHICAGO LOS ANGELES

Top U.S. Rental Markets Revenue: Guarantors Needed15% of all U.S. renters will require a co-signer or guarantor with their lease. This stastistic is based on the average U.S. Credit Score.

The following graph illustrates the revenue generated by those renters who need Guarantors in 2012

Top U.S. Rental Markets Revenue: Vacancies LostThere is on average a 3% vacancy rate in the Top 4 Rental Markets in the U.S.

SAN FRANCISCO NEW YORK CITYCHICAGO LOS ANGELES

The following graph illustrates the revenue that could have been generated by landlords had they filled their vacancies with more qualified applicants.

$14b

$4b$1.6b

$588m

$1.3b$1.2b$1b$407m

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LEASELOCK‘S ADDRESSABLE MARKET

Total Revenue to Capture in the U.S.

$108b

$84b$24b

Total U.S. Revenue Available for Guaranteed Rental Units and

Filled Vacancies

Total U.S. Annual Revenue from Rental Units using a

Guarantor

Total U.S. Annual Revenue Lost from Rental Unit Vacancies

Total Revenue to Capture in the Top 4 Markets in the U.S.

$23b

$20b$3b

Total U.S. Revenue Available for Guaranteed Rental Units and Filled Vacancies

Total U.S. Annual Revenue from Rental Units using a :Guarantor

Total U.S. Annual Revenue Lost from Rental Unit Vacancies:

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THE PROBLEM FACINGRENTERS IN THE U.S.

STRICT FINANCIAL SCREENING MODELS

NOT LEGALLY PERMITEED TO PAY ANNUAL RENT UPFRONT

NOT LEGALLY PERMITTED TO PUT ADDITONAL DEPOSIT DOWN

HIGHER DEMAND/LESS INVENTORY ON UNITS

IF POTENTIAL RESIDENT DOESN’T MEET REQUIRMENTS, RESIDENT MUST FIND

DEEP-POCKETED GUARANTOR

RENT PAYMENTS TO LANDLORD ARE NOT RECORDED AND SUBMITTED TO CREDIT BUREAUS

LeaseLock’s research has shown that it is a dog-eat-dog world when it comes to finding a great rental. Rental rates have risen in recent years as more people seek out rental homes, apartments and condos. Our data found these cities topped search traffic in the past month:

1. Las Vegas, Nevada—The glittering city of Las Vegas claims our top spot. Although the Las Vegas Strip may be the town’s main draw for tourists, the city has a lot to offer beyond fine dining, gambling and blockbuster shows. If you like sunshine, this is your spot: Las Vegas is one of the sunniest spots in

the whole country. The Downtown Project, led by Zappos CEO Tony Hsieh, is on a mission to revitalize the city’s downtown area, creating jobs, a culture for entrepreneurship, family events and more. Median rent: $1,100.

2. Austin, Texas—Austin is beloved by many across the nation for music, entrepreneurship and amazing barbecue. It’s no surprise that this city has been one of the fastest growing in the country in recent years. Median rent: $1,450.

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THE PROBLEM FACINGLANDLORDS IN THE U.S.

3. Chicago, Illinois—The Windy City may be first in President Obama’s heart. It’s home to great universities and museums, as well as diverse neighborhoods such as Wicker Park, the Loop, Lincoln Park, Hyde Park, and Lakeview, among others. Events like Lollapalooza keep this vibrant city connecting with young people, and it’s one of the best cities for sporting events, with destinations such as Soldier Field and Wrigley Field, the nation’s second-oldest ballpark. Median rent: $1,550.

4. Los Angeles, California— Hollywood beckons, but it’s more than the promise of celebrity that has people

dreaming of the Golden State. People are drawn to Los Angeles for the weather, the beaches, the desert and the mountains. The city beckons with a wide variety of foods from many different cultures, as well as many universities and some of the country’s most exciting professional sports teams. Median rent: $2,650.

5. Atlanta, Georgia—Atlanta has consistently been on the list of fastest-growing cities for several years now. Georgia’s capital city is a major economic hub, the sixth-biggest in the nation. Median rent: $1,353.

4% VACANCIES IN THE U.S.

1.7% EVICITONS IN THE U.S.

UNSTABLE CASH FLOW FOR UNITS AND BUILDINGS

LONGER CLOSING TO LEASING PROCESS

CURRENT QUALIFICATIONS MEANS LESS ACCESS TO POTENTIAL RENTERS

LONGER LEASING TIMES FOR NEW RENTAL DEVELOPMENTS TO FILL UP UNITS

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CREATING THESOLUTION TO THE PROBLEM

As the previous pages have demonstrated, the rental market continues to evolve. Rents will continue to rise across the U.S. and at the same time the vacancy rates will continue to fluctuate according to many recent

reports. The challenges for renters include all time high-pricing for apartments, multiple applications, and very tough qualification standards for renters. Consequently, renters are facing a very difficult market in the near future, and will have to be fully qualified, totally prepared, and capable of deciding quickly if they want a particular apartment.

Out of the growing challenges, the Founders of LeaseLock® have developed The LeaseLock® Guarantee. With our Guarantee, backed by an AM Best Rated Reinsurer, renters have the opportunity to fully qualify for the apartment they want. In

addition, Landlords and Property Managers are provided with a peace of mind, knowing that if a resident defaults on paying their rent, that LeaseLock® will continue to make the monthly rent payments. Furthermore, our product helps to open up the pool of applicants. The LeaseLock® Guarantee will help Landlords and Property Managers to stablizie their cashflow and predict defaults and allow for less vacancies and the ability to raise rents in the changing rental marketplace.

As the previous information provided has demonstrated, LeaseLock®’s addressable U.S. market per year is $108b. With our unique business model, LeaseLock® has the opportunity to capture $10.8b in revenue with 100% penetration in the U.S. LeaseLock® will begin selling and marketing the LeaseLock® Guarantee in the top 4 markets of Los Angeles, New York, Chicago and San Francisco. Within 5 years, LeaseLock® hopes to build a company that can sell its Guarantee throughout the U.S. The following pages will introduce you to LeaseLock®’s revenue model and product.

Rental properties in the U.S. command

$133 Billion in lease payments. 15% of rental applicants don’t have perfect enough credit to be considered a “Definitely Rent To This Applicant” candidate.”

√ Assures Rent Payments

√ Helps Residents

√ Provides Landlord Peace of Mind

LeaseLock® will continue to make monthly rent payments until the end of the lease or the unit is re-rented.

who are re-building their credit ACCESS to lease the apartment that they really want, while allowing them to QUALIFY for the apartment they may not traditionally qualify for.

by EXPANDING the pool of QUALIFIED applicants, while helping to fill VACANT units and STABLIZE CASHFLOW and PREDICT DEFAULTS.

THE SOLUTIONTHE LEASELOCK® GUARANTEE

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HOW WEQUALIFY A POTENTIAL RESIDENT

VALUE OF THELEASELOCK® GUARANTEE

WE PREDICT: LeaseLock® knows how much rent the average building will lose with vacant units. With LeaseLock®’s actuaries and underwriting, we are highly knowledgeable in regard to resident default rates

WE STABILIZE CASH FLOW: Because large organizations don’t have to worry about the unpredictability of defaults with LeaseLock® service, therefore better hands on cash.

WE EXPAND THE APPLICANT POOL: LeaseLock® helps property managers and landlords expand the pool of qualified residents. With the LeaseLock® Guarantee, more people become more qualified residents, therefore filling up vacancies.

Value to Landlords Value to Residents

WE HELP TO REBUILD A RESIDENT’S CREDIT: LeaseLock® works with residents who are building or re-building their credit while helping landlords rent their units with the confidence of knowing that rent payments are guaranteed.

WE HELP RESIDENTS QUALIFY FOR THE APARTMENT THEY WANT: LeaseLock® offers a much-needed Guarantee with all the current stringent rules for renting an apartment or home in today’s marketplace.

WE HELP LANDLORDS BY OFFERING A GUARANTEE: We qualify applicants with a LeaseLock® Guarantee that in the event of default on their rent, LeaseLock® will continue to make the rent payments on-time and monthly.

Application is submitted online for underwriting

Approval of Applicant determined by financials

Preimum Paid by Resident for the LeaseLock® Guarantee (10% of annual lease value).

Resident moves into apartment

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LEASELOCK®TARGET CUSTOMERS

Distant Bankruptcy

Retirees

Those Repairing thier Credit

Divorcees

Entrepreneurs

Foreign National

Full-time Student

Recent College Grad

Marginal CreditHas cash on hand

Full-time Employment

Marginal Credit Has cash on hand

No Current-Employment

Marginal CreditHas cash on hand

Full-time Employment

Marginal CreditHas cash on hand

Proof of Steady-owned and operated business

No U.S. CreditHas cash on handFull-time Employment

U.S. Credit is just becoming established

Has cash on hand or parent has cash on hand

This Credit

Has cash on hand

Full-time Employment

Marginal credit

Has cash on hand

Full-time Employment

The number of apartment residents has nearly doubled in the last 25 years, and the economy is the main reason for this increase. The types of households living in apartments are also changing. Of apartments in the United States, 75% are home to couples and those who live alone. Increasingly, the apartment community has become the extended neighborhood for more and more Americans.

In recent years, apartment

properties have become a preferred investment for institutional investors like pension funds. In the past three years alone, billions of new investment dollars have been channeled into the apartment sector by these and other institutional investors. This new class of apartment investors is made up of long-term owners with long-term ownership objectives. These capital-rich entities have the resources to maintain and constantly improve their investments.

‘Lifestyle’ renters, individuals and families who can

afford to buy a house, are increasingly choosing to live in apartments. One-in-ten apartment renters makes more than $50,000 annually. Apartments also continue to provide affordable housing.”

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HOW LEASELOCK®MITIGATES RISK

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Resident’s Annual Lease Value of $25,000

LeaseLock® Captures 67% of the premium to our GP

Resident’s LeaseLock® Guarantee Premium Payment of $2500 10% of Annual Lease Value

$25,0

00

$2,5

00

$2,500 Premium to LeaseLock®

67%or $1675 goes to

LeaseLock®

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LEASELOCK®BUSINESS MODEL

With the partnership with our A rated reinsurer, LeasLock® will be creating a captive insurance companie. Captives are insurance companies established with the specific objective of insuring risks emanating from their parent group or groups, but they sometimes also insure risks of the group’s

customers. This is an alternative form of risk management that is becoming a more practical and popular means through which companies can protect themselves financially while having more control over how they are insured.

The following pie chart illustrates the revenue generated by a LeaseLock® Guarantee Policy for an Annual Lease Value of $25,000 and a premium of $2,500 or 10% of Annual Lease Value.

The A Rated Reinsurer recieves 33% of the Premium for meeting a claim

25%

$2,500 Premium to LeaseLock®

67%33%

or $825 goes to A Rated Carrier for

Reinsurance

$1.6mLeaseLock®’s

GP1,000

LeaseLock® Guarantees

$2.5min revenue

$825k to

reinsurer$2,500

average premium

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LEASELOCK®BUSINESS MODEL

Captives are licensed by many jurisdictions. The captive’s primary jurisdiction is known as its domicile. Most captive insurers are based “offshore”, in places such as Bermuda, The Cayman Islands, Ireland, Guernsey, Luxembourg, Barbados, Malta, Singapore, Anguilla, the British Virgin Islands, Qatar Financial

Centre and Dubai International Financial Centre.

LeaseLock’s Captive will be held in the Cayman Islands. The Cayman Islands is the second largest licensing jurisdiction in terms of the number of captives licensed.

Net effect of 1,000 leases on LeaseLock

Reveneue

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LEASELOCK®MILESTONES

2013 2014 2015 2016

250 LeasesLos Angeles Market

2 Sales Staff

1 Lead Underwritter

$640,000 in Revenue

Los Angeles

New York CitySan Francisco

Chicago

100% 150% 150%

500 LeasesLA/SF/NYC Markets

3 Sales Staff

2 Underwritters

$1.6m in Revenue

1,250 LeasesLA/SF/NYC /CHICAGO

4 Sales Staff

3 Underwritters

$1.6m in Revenue

3,125 Leases7 U.S. Cities

6 Sales Staff

4 Underwritters

$11.2m in Revenue

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LEASELOCK®FINANCIALS

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Net sales 2009 2010 2011 2012

Cost of goods sold 0,325 1,721 1,870 1,721

Gross profit 4,687 5,773 5,375 5,773

Selling expenses 3.28 4.19 3.64 4.19

Research and development expenses 4,746 5,773 5,375 5,773

General administration expenses 13,257 16,913 15,988 16,913

Other operating expenses 4,873 5,773 5,375 5,773

Operating result 3.97 4.19 3.64 4.19

Equity-method loss 3,256 5,773 5,375 5,773

Non-operating income 12,864 16,913 15,988 16,913

Non-operating expenses 4,934 5,773 5,375 5,773

Non-operating result 1,879 1,721 1,870 1,721

Income before income taxes 3,524 5,773 5,375 5,773

Income taxes 3.89 4.19 3.64 4.19

Earnings per share 4,287 5,773 5,375 5,773

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LEASELOCK®MILESTONES

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UT PED QUO ET ET REMOS APERO

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IMPLEMENTATION OF THELEASELOCK® GUARANTEE

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AN INVESTMENT OPPORTUNITY INLEASELOCK®

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POSSIBLE EXIT STRATEGIES

NYSE IPO

MERGER/AQUISITION

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