1. Trust Deeds and Real Estate Investing

2. Disclaimer/Disclosure Money invested through a mortgage broker is not guaranteed to earn any interest or return and is not insured. Before investing, investors must be provided applicable disclosures. Past performance does not guarantee future results or success. Consolidated requires a $20,000 minimum investment. Nevada MLD#284 – Consolidated Mortgage, LLC. 1291 Galleria Drive, Suite 220 Henderson, NV 89014 P. 702.739.9090/877.739.9094

3. Founded in 1977 Over $2 Billion in real estate transactions closed Over $500 Million under management Company Overview

4. What is a Trust Deed / Mortgage? Definition of Trust Deed Private Notes - Public Deeds 1 st Trust Deeds Only

5. Types of Trust Deeds Land Acquisition Land Development Construction Bridge

6. Why Borrow from Consolidated? Speed Flexibility

7. The Art of Choosing Good Loans 5 C’s of Lending –Collateral –Capacity to borrow –Character of the borrower –Capital –Conditions of the market Fact Sheets

8. Risks Involved in Trust Deed Investing Borrower Defaults Illiquid or Non-liquid No tax benefits for non- qualified funds

9. Why does a Trust Deed belong in your portfolio? Is your portfolio diversified? Growth vs. Income (Example: 100 – Age = Growth Percent)

10. Fixed Income Bonds vs. Trust Deeds Backed by company issuing bond Backed by borrower and collateral (real estate) Secondary market Interest paid monthly, quarterly, semi-annually, annually Maturity Dates vary Yield is traditionally 6 – 8% No Secondary market Interest paid monthly Maturity dates typically are 12 months Yield is traditionally 12% and higher

11. Fixed Income Annuity vs. Trust Deeds Backed by Insurance Company Backed by borrower and collateral (real estate) Typically interest paid annually Maturity – Date of death Yield is traditionally 3 – 5% Tax deferred Interest paid monthly Maturity dates typically 12 months Yield is traditionally 12% and higher Tax deferred if invested with IRA

12. Why is there an opportunity to invest? State of the Market –Credit Crunch –Real Estate Bubble State of the Southwest –Increasing Population –Increasing Employment

13. Clark County Population

14. Southwest Regional Employment

15. Local Hot Spots – Las Vegas Capital: $8.4 Billion Rooms: 6,650 Estimated Completion: 2009 This construction project is the most expensive privately funded in U.S. History City Center Echelon Place Capital: $1.9 Billion Rooms: 2,045 suites Estimated Completion: 2008 This project will make Wynn Las Vegas the fifth largest hotel in the world. The Plaza Capital: $4.8 Billion Rooms: 4,713 Estimated Completion: 2010 The Echelon will be divided into five partially separated towers. Capital: $5+ Billion Rooms: 4,100 Estimated Completion: 2011 Current plans are to create a replica of the ultra luxurious New York namesake. Encore The Palazzo Palms Place Capital: $1.6 Billion Rooms: 3,025 suites Opened: Jan. 2008 Capital: $650 Million Expansion Rooms: 347 Condos Opened: Feb. 2008

16. Why Lend in Today’s Market? Have We Hit Bottom? Property Values Land, Development and Construction Lending Opportunities Credit Crunch Bank Quality Loans & Borrowers Lending at the bottom

17. Example 2006 Value$5,000,000.00 2008 Value$3,000,000.00 2008 Loan $1,800,000.00 2008 LTV60% Would you make this loan?????

18. What types of funds can I use to invest? Money in checking and/or savings account Roth IRA or IRA Corporate Funds (LLC, Inc, etc…)

19. Benefits of Trust Deed Investing Secured by Real Property Short Term Commitment Double Digit Annual Returns Interest Paid Monthly Portfolio Diversification

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