1. Florida – California – Nevada www.neonrealtors.com

2. 10545 NW 29 TH TERR MIAMI FL 33172 786.402.9552 neon_realtors_florida@earthlink.net FLORIDA - Miami

3. 27762 Antonio Pkwy. Suite L1-505 Ladera Ranch CA 92694 949.463.8200 neon_realtors@earthlink.net CALIFORNIA – Los Angeles & Orange Counties

4. 3225 S Rainbow Blvd. Las Vegas NV 89146 702.606.5565 neonrealty@earthlink.net NEVADA – Las Vegas

5. Neon Realtors ® and Arbonne Mortgage ® (the financing branch of the company) are part of Arbonne Group, LTD., a team of Realtors, Accountants, Attorneys, Architects and Contractors with over half a century of experience in the U.S. Real Estate Market. Our members experience and qualifications enables the client to assess his investment strategy with the absolute knowledge of the resources available to him and the effects that this market can – and will – have on his short, medium and long term investments.

6. At the present time, as a result of the steady decline in Real Estate values in the last three years, the U.S. Real Estate market offers a great investment opportunity. This phenomenon of falling Real Estate prices has only occurred TWICE in the history of this country. The States that have been most affected, in descending order, are: Florida, California and Nevada. Precisely, in these states is where Neon Realtors ® has its main office branches.

7. After the abundance of economic prosperity marked by the Ronald Reagan administration (1980-1988), in which consumption exceeded realistic economic possibilities, this country endured one of its worst economic crises; certainly, the worst since the Great Depression of the 30s. During the 80s, bankruptcy filings reached levels of historical proportions and Real Estate values fell up to 50% as compared to the values in 1988…

8. Real Estate values continued their declining tendency until mid-1992. At that time, government cuts in interest rates coupled with an increase in the monetary supply enabled a stabilization of Real Estate prices. Next, at the end of 93, the interest rates were about half of what they were at the end of 88. In other words, the Federal Reserve encouraged consumption, which, in turn, caused an increase in overall prices through mid-2006.

9. Midway through 2006, Real Estate values began declining again for a second time in U.S. History, even when the investing community refused to accept it as a reality! Despite this dramatic decrease, the overall increase in Real Estate Property values during the 12 years preceding 2006 was the largest increase ever in the history of the world (not only of the United States)!!!

10. The fair market values of residential Real Estate has reached a floor and leveled off to those of 2004. This occurrence can be explained by the programs being implemented by President Obama. The main purpose of the programs is to put an end to home foreclosures, thereby leveling off the Real Estate home prices. At the same time, interest rates of less than 5% are being offered by the government for those U.S. citizens whose objective is to occupy the property rather than invest in real estate.

11. Individuals who cannot continue to pay their mortgages or, find themselves with a LARGER debt than the value of their homes and decide not to continue paying their loans; Financial institutions that have repossessed properties due to failure by the borrower to pay his mortgage and/or through the use of the judicial foreclosure; The Government through their agencies, FNMA & FHLMC, who have repossessed properties through judicial foreclosure.

12. INDIVIDUALS WHO STOPPED PAYING THEIR MORTGAGES The individual who decided to stop paying for his loan is not concerned with the sales price since HE will not receive ANYTHING from the sale. BUYERS BEWARE: the Realtor who represents this type of seller may not possess the necessary experience, the knowledge to properly ascertain the REAL value of the property and/or the ability to negotiate with the lender who owns the mortgage. Nevertheless, this type of sale known as SHORT SALE, if handled properly, is desirable because the purchase price CAN be lower than the fair market value of the property.

13. FINANCIAL INSTITUTIONS – REPOSSESSED HOMES BUYERS BEWARE: the Realtor who represents this type of seller, in his eagerness to maximize the value of the sale to satisfy his client and obtain new properties for sale, may manipulate the information and/or carry out HIS own auction by misinforming potential buyers. Nevertheless, this type of sale known as BANK OWNED PROPERTY, if handled properly, is desirable because the purchase price CAN be lower than the fair market value of the property.

14. GOVERNMENT – RESPOSSESSED HOMES BUYERS BEWARE: the Realtor who represents this type of seller, in his eagerness to maximize the value of the sale to satisfy his client and obtain new properties for sale, may manipulate the information and/or carry out HIS own auction by misinforming potential buyers. Nevertheless, this type of sale known as FNMA – FHLMC HOME STEPS PROPERTY, if handled properly, is desirable because the purchase price CAN be lower than the fair market value of the property.

15. INDIVIDUALS FORCED TO SELL Unless an individual is forced to sell (which would be the case for those that suffer a personal misfortune: a divorce, a sudden change of employment, a forced address change, etc.) it would be illogical to do so in a market where competitors sell at auction prices. Nevertheless, the importance of these sellers lies in the FLEXIBILITY that they have due to their unfortunate situation.

16. Based on the investors available resources as well as his subjective preferences, Neon Realtors ® offers and provides the most scarce and highest valued of all resources – INFORMATION – so that the investor can evaluate similar Real Estate investment opportunities. The investor identifies a limited amount of properties that possess the largest quantities of attributes to match his desires. The investor establishes an appropriate time to visit the United States to be able to physically evaluate the possible investment(s).

17. Foreigners who wish to buy Real Estate in the United States must, at the very least, be in possession of a tourist visa; so that at the time of purchase, they can be physically present in the U.S. to execute the deed. Alternatively, an investor, may execute the deed via an agent who represents the buyer in the United States via an LLC – Limited Liability Company or a Corporation; nevertheless, the investor must possess the United States visa even if he is not present physically in the U.S. at the time of executing the deed.

18. The investor in conjunction with the LEGAL and ACCOUNTING representatives of Neon Realtors ® will have to agree as to what form of organization is the most appropriate as a conduit for the particular investment under consideration; A local Bank (CA-NV-FL) is chosen to deposit the investors funds. Local laws may affect the transfer of funds since these need to be made in accordance with the international laws AND State charters of Banking institutions.

19. The investor, upon completion of the necessary review of the properties under analysis and having completed the minimum documentation requirements for his specific investment criteria, travels to the corresponding city in the U.S. to visually identify the properties and accept the final conditions of the purchase transaction. OTHER SERVICES ARE AVAILABLE TO THE INVESTOR BASED UPON HIS PARTICULAR NEEDS.

20. The final price of any investment will always be dependent upon a variety of factors as it is affected by the laws of buying and selling. However, the key variables at the time of evaluating an investment are the legal knowledge of the market in question and the necessary negotiation strategy to minimize the price of that particular investment (in this case, Real Estate). By combining these attributes with the specific investors requirements and needs, we strive to develop a mutually trustworthy relationship between the client and Arbonne Group, LTD., an expert in the Real Estate Investment market in the United States.

23. Until the year 2006, units in this complex sold for more than $500,000; Today the asking prices are below $200,000; The final prices depend on many factors: selling conditions, buying terms, seller necessities, etc.

25. This property was sold in 2006 for $900,000; Today it is on the market for $419,000 and hasnt found a buyer yet; The final selling price was $375,000.

27. This property was sold in 2006 for $525,000; In 2007, the buyer could not pay his adjustable rate mortgage and stopped making payments to the lender. He tried to sell it but could not find a buyer; It finally sold during 2011 for $145,000.