1. Mortgage Restructuring System

2.  The M Group, Inc.  We offer a no credit score MORTGAGE RESTRUCTURING SYSTEM  $5 billion PRIVATE FUND allocated for this SYSTEM  We purchase notes at a discount, based on market value, which are then liquidated for a profit. 2

3.  THIS IS NOT:  A LOAN MODIFICATION  A SHORT SALE  A DEED IN LIEU OF FORECLOSURE  A FORBEARANCE  FOR THE UNEMPLOYED  THIS IS:  MORTGAGE RESTRUCTURING SYSTEM  NO CREDIT SCORE  RATE AND TERM RESTRUCTURE  THE AMERICAN HOMNEOWNERS LAST CHANCE FOR FINANCIAL FREEDOM 3

4. We package notes in bulk of 10,20,30 notes or more. 4 C C C C C C CC C C C C C C C C C Note Package C C

5. Who we do not approach: Loss mitigation Customer Service Collections Who we do approach: Wealth/Asset Management 5

6. Most of homeowners today are non- performing borrowers, meaning they are delinquent or in foreclosure. Banks are in the business of lending, not real estate. It cost less to liquidate, then it does to foreclose, short sale or REO. Since we package all notes together both performing and non- performing, the only deal we will ever present will be an all or none deal to the bank. We do not allow for cherry picking Banks can lend immediately on the money that they earn from the liquidation. 6

7. CURRENT MORTGAGE: Loan Amount Interest Rate Monthly Payments 1 st Loan $350,000 7.5 % $ 2,447.00 2 nd Loan $ 50,000 9.0 % $ 402.00 Total Loan $400,000 $ 2,849.00+ T/I NEW MORTGAGE ESTIMATES: Current Market Value (CMV) / Broker Price Option (BPO): $250,000 Loan Amount Interest Rate Monthly Payments Loan $225,000 (90% CMV) 6.25 % $ 1,385.36 + T/I Instant monthly savings = $1,463.64 Eliminate $150,000 of NEGATIVE EQUITY! You Gain 10% Instant Equity 7

8. Your old mortgage payment $2,849+T/I / month Your NEW mortgage payment $ 1,385.36 + T/I / month* You Save $1,463.64 month That’s $17,563.68 / year 8 *BASED ON 6.25 % INTEREST

9. UPSIDE DOWN BEHIND IN PAYMENTS IN FORECLOSURE 9

10. Loan To Value High Debt To Income Ratio’s Notice of Default Notice of Trustee Sale Alternative Income Allowed 10

11. We BUY your note from your bank We OFFER you a NEW Restructured LOAN with minimum qualifications needed! Each homeowners situation is UNIQUE with a 90% approval ratio! 11

12. We will refinance your property once we have purchased the note into any conventional loan program that you will qualify for. If your credit is damaged and you cannot qualify through conventional refinancing, then we will place you with our private investors on the following program. 30 year fixed rate Prime + 3% or 4% 3 Year Pre-Payment Penalty 12

13. 1003 Uniform Loan Application Authorization & Disclosure Form 13

14. Mortgage Statement(s) (1st and 2nd) Income Documentation (i.e. pay stubs “30 days”, last yrs W-2, 1099) Hardship Letter Hazard insurance (Declaration pg.) Copy of Driver’s License(s) All Correspondence Letters (from Lender to Borrower) Notice of Default – if Applicable Notice of Trustee Sale ‐ if Applicable Loan Modification Documentation – if Applicable Property Tax Statement Payment $4000.00 14

15. 15 Appraisal Credit Report Title Search Processing Fee Administrative & Due Diligence Analysis Time frame of negotiation are from 45 to 120 days Must have a verifiable source of income Investment : $4,000.00