1. TEAM MORRISSEY RENT – TO – OWN EQUITY BUILDER PROGRAM

2. Why Own Instead of Rent? Build Equity !!! Build Equity !!! Tax Savings !!! Tax Savings !!! Build Your Credit !!! Build Your Credit !!!

3. Who is suitable for a Rent-to-Own Program? Those with Poor Credit. Those with Poor Credit. Those without Downpayment Funds. Those without Downpayment Funds.

4. TEAM MORRISSEY EQUITY BUILDER PROGRAM TO THE RESCUE!!! Equity Builder Program helps you by building upon: Equity Builder Program helps you by building upon: –Your Credit Score –Downpayment/Closing Cost Funds GET YOU INTO YOUR NEW PURCHASED HOME WHEN YOU ARE READY !!!

5. HOW DOES THE EQUITY BUILDER PROGRAM WORK? #1. Players: A.Tenant-Buyer (T/B) B.Landlord C.Lender D.Team Morrissey

6. HOW DOES THE EQUITY BUILDER PROGRAM WORK? A. Tenant-Buyer 1.Gets pre-qualified for a Mortgage thru a Team Morrissey approved FHA Lender. 2.If not ready to buy…Completes the Team Morrissey Application Process. 3.Finds a New Rental Home! > DOESN’T NEED TO BE A RENT-TO-OWN !!! 4.Pays Rent and Builds Equity!

7. HOW DOES THE EQUITY BUILDER PROGRAM WORK? B. Landlord 1.Agrees to the Tenant-Buyer Application. 2.Accepts Security Deposit and First Month Rent. 3.Manages Property for Term of Lease.

8. HOW DOES THE EQUITY BUILDER PROGRAM WORK? C. Lender 1. Pre-qualifies Tenant-Buyer for FHA Mortgage. 2. When Tenant-Buyer is READY TO BUY…Handles Loan Process !

9. HOW DOES THE EQUITY BUILDER PROGRAM WORK? D. Team Morrissey 1. Introduces T/B to FHA Lender. 2. Handles Credit Check & Processing. 3. Sets T/B up with PRBC Credit Bureau! 4. Sends Monthly Statement to T/B on Rental Equity Buildup! 5. Closes Purchases of New Home!

11. HOW DO I BUILD EQUITY ??? For EVERY MONTH you pay rent on time, you receive up to 10% Equity Builder Credit towards the purchase of a new home!!!

12. WHAT’S THE CATCH ??? Upon Move-In: Upon Move-In: –Pay Security Deposit to Landlord –Pay 2x the Rent Amount as an Option Fee to Team Morrissey.

13. HOW MUCH EQUITY CAN I BUILD? Earn as MUCH as the Buyer’s Commission on YOUR NEW HOME!!! NEW HOME!!!

14. EXAMPLE: Tenant/Buyer Moves-In: T/B Pays $200.00 for Application Processing with Team Morrissey and a 2 Year Buyer’s Agency Agreement. T/B Pays $200.00 for Application Processing with Team Morrissey and a 2 Year Buyer’s Agency Agreement. T/B Pre-qualifies with Lender. T/B Pre-qualifies with Lender. T/B Finds a Rental at: $1000.00/month. T/B Finds a Rental at: $1000.00/month. T/B Pays Security Deposit of $1000.00. T/B Pays Security Deposit of $1000.00. T/B Pays Option Fee of $2000.00 T/B Pays Option Fee of $2000.00

15. EXAMPLE: Tenant/Buyer Earns While Renting: Tenant/Buyer Earns While Renting: 10% Equity Credit for every on-time rent payment! $1000/month x 10% = $100/month credit $100/credit x 24 months = $2400.00 Equity Credits

16. EXAMPLE: Tenant/Buyer PreApproved for: $160,000 Purchase of a New Home 2.0% Buyer Commission Earned $160,000 x 2.0% = $3200.00 $2400 > $3200 FULL CREDIT EARNED !!!

17. EXAMPLE: Tenant/Buyer at Closing Receives: Security Deposit:$1000 Option Fee:$2000 Equity Credits:$2400 TOTAL$5400 ALL FOR PURCHASE!!!

18. SUMMARY: You don’t need to find a Landlord to setup a Rent-to-Own Program!!! You don’t need to find a Landlord to setup a Rent-to-Own Program!!! Build YOUR CREDIT SCORE thru PRBC ! Build YOUR CREDIT SCORE thru PRBC ! Cut CONFUSION OF HOMEOWNERSHIP! Cut CONFUSION OF HOMEOWNERSHIP! MAKE YOUR RENT DOLLARS WORK FOR YOU!!!! MAKE YOUR RENT DOLLARS WORK FOR YOU!!!!

19. QUESTIONS ??? Call Team Morrissey at: (630) 513-3827 Check out Website: www.getteammorrissey.com E-mail:seanmorrissey@kw.com