1. A High Rate of Return SAFELY!!! I What is Private Mortgage Lending? & WiiFM What’s in it for me??? We Know your time is VALUABLE!!!

2. -Bank CD’s We offer a safe alternative to… -Stock Market

3. Today’s Agenda Private Investor Program Our Background and Success Record Company Overview

4. How Does Your Bank Make Money Today? THEY TAKE IN HUGE SUMS OF MONEY ON CD’s (You) They Pay you from 1% to 3% Per Year They then loan the money out at a higher rate of interest to other people to buy houses (Me) Bank’s favorite loan is Real Estate – Most Secure! We offer a safe alternative to bank CD’s & the Stock Market

5. We’re cutting out the middle man (You ) (Me) Banker Let’s cut out the middle man I pay 1%... but I lend at 7% Ha….

6. Overview Just like a Bank CD WE BUY AND SELL DISCOUNTED REAL ESTATE -Single Family Houses ONLY!! -From $50,000 to $165,000 To buy houses, we’d rather borrow the money from private individuals directly… We pay you 7-9% to use your money instead of the bank

7. Availability of cash allows us to buy at a HUGE DISCOUNT. How our system Works… We locate a property to purchase at well below market value We borrow the money from you to purchase and fix up the property We have a formal closing & you get a mortgage on the property with other important documents

8. How our program works 7-9% Interest Payments THREE Documents Securing Your Investment Purchase the House Complete remodel New kit, bath, windows etc…. Receive 7-9% when property sells (Interest only) -Deed Of Trust -Promissory Note -Insurance YOU ARE THE BANK YOU Private Investor

9. OR, you could always invest your money with the bank…

10. Receive a High Rate Of Return Our Attorney cuts your check back to you at closing…. Receive 7-9% simple interest payable when we sell the property

11. OUR PLEDGE TO YOU We Guarantee you 7%-9% simple interest as long as we hold the property Your interest rate won’t change

12. Comparison Example… $50,000.00 x 8.5% = $4,250 per Year. -or- Monthly Interest @ 8.5% = $354.16 A Bank CD @ 3.0% PAYS ONLY $1,500 per year!! That’s a difference of $2,750 per YEAR!!

13. Flipping Property Example 1917 Rawood Dr. Hampton, VA 23663 Foreclosure Sale from bank Purchase price Repairs (cleanup & Hauling) Your Private Loan Your Loan Terms (12 months) Your Interest Earned (6 month average) Resale Price Total Transaction Time $65,000.00 $25,000.00 $50,000.00 $50,000.00 @ 8.5% = $354.16/month $2,124.96 $129,000.00 Approx. 6-12 months!

14. Flipping Property Example 924 Martin Ave. Portsmouth, VA 23701 Private seller Purchase price --- Kris Expense ---------------------- Repairs (Demo/cleanup) Kris will finance $20,000---- Your Private Loan (will finance part of repairs) -- Your Loan Terms (6 months average) Your Interest Earned (6 month average) Resale Price -------------------------------------------- Total Transaction Time -------------------------- $48,000.00 $35,000.00 $15,000.00 $15,000.00 @ 8% = $100.00/month $600.00 $129,000.00 Approx. 5-7 months!

15. Flipping Property Example 58 Salem St. Hampton, VA 23669 Foreclosure Sale from bank Purchase price --- Kris Expense ---------------------- Repairs (Demo/cleanup) Kris will finance $17,000 ---- Your Private Loan (will finance part of repairs) -- Your Loan Terms (6 months) Your Interest Earned (6 month average) Resale Price -------------------------------------------- Total Transaction Time -------------------------- $60,000.00 $42,000.00 $25,000.00 $25,000.00 @ 8% = $166.66/month $1000.00 $144,000.00 Approx. 5-7 months!

16. There Is Always Plenty of Equity Above Your Loan. Equity left for repairs & profit $129,000 after repair property value $50,000 your loan to value We don’t borrow more than 65% loan to value 65% Loan To Value

17. What happens to my Investment if Kris Dies Our business is structured to sell properties. We have a specific Real Estate broker (Partners in Real Estate) who would take the property and sell it at market value. - Partners in Real Estate (757)-723-5000 Janet McCallum 1814 C Todds Ln. Hampton, VA 23666 Our LLC would sell the property, and your Principal & interest earned will be paid As show by your lien on the property by our title company. -American Escrow & Title Co. George Tillerson ( 757)-873-5771 739 Thimble Shoals Blvd. #704 Newport News, VA 23606

18. * We Buy Houses in the tidewater area and rehab them for a profit. * We supply work for many contractors as well as clean enjoyable housing for the community * We started in 2004 and have been involved with over 80 real estate transactions * Our contractors usually get construction done in less than 2 months. * Janet McCallum, with Partners in Real Estate, is a local broker that lists our homes for sale 757-723-5000 * We usually have 1-2 projects working at all times

19. Why do people choose to work with us? Trust

20. Before After -We use a system EVERY TIME -We have a time tested track record Before After

21. -We use a modern building design on each house Before After

22. - Brand new exteriors -Our system is proven -We don’t change the system Before After Before After

23. Before After Before After

24. -We can get your investment working today in one of our investment properties!

25. Hampton, VA All of Hampton Roads A Safe Alternative to Bank CD’s Stock Market We provide newly renovated housing at affordable prices for today’s buyer

26. How to Find Us. -Tidewater Enterprises & Construction LLC -26 Towne Center Way #130 -Hampton, VA 23666 -757-498-2101-Office -757-660-2628-cell

27. Competitive Advantage

28. -Have I explained our program in detail? -Are you ready to start receiving 7-9% rate of return SAFELY!!!! -This word has REAL meaning for us - It represents what we stand for in our community and how we want to treat all that are involved!!!