1. Mexican Properties, Financing and Cross Border Opportunities Eduardo Perez-Alduncin

2. Porperty of Conficasa Holdings, Inc – All rights reserved Background Mexico seeking to recover from housing deficit –Up to 7 million homes needed today in Mexico – 750,000 home target not met due to fundamentals –4.7% housing improvement from last year –Domestic demand only – How about the international demand?

3. Porperty of Conficasa Holdings, Inc – All rights reserved Problem Supply not meeting domestic demand International demand for housing in Mexico not finding solutions –Inventory not built fast enough or as per their expectations or needs – Lack of consolidated information of Mexican property acquisition – Expectations not met due to differences with realtors, appraisals, legal, tax, and financing

4. Porperty of Conficasa Holdings, Inc – All rights reserved Opportunity Domestic demand finding responsiveness from current government and expect the same after elections. –Builders seeking equity or debt investors –Mexican government granted investment grade risk (BBB) – Mexican government selling mortgage back securities on the secondary market bringing liquidity – 20 Billion US dollars received by Mexico on 2006 from Mexican’s abroad assisting with housing needs

5. Porperty of Conficasa Holdings, Inc – All rights reserved “Cross Border” Opportunities Culturally sensitivity “Embrace and understand the culture differences” –Meeting expectations so hard to do? –Learning to “know your client” New concept being embraced by builders, real estate service providers. –Fideicomiso Not a scary any more – Title Insurance Services from well know US companies mitigating risk – Properties culturally adequate by meeting US floor plans, distribution areas, amenities, security and quality materials. MORTGAGE FINANCING NOW BECOMING AVAILABLE!

6. Porperty of Conficasa Holdings, Inc – All rights reserved Financing A Mexican Home Yes there is financing now! –Mexicans working and living in Mexico Infonavit –SHF – Fovisste Mexican Banks coming back strong Up to 90 LTV – 25 Year – Fix and variable Pesos and UDI funded loans Rates starting from 8% –Mexican and Mexican descendants working in US and Canada RAICES founder of the “cross border” Mexican government Back program Fannie-Mae Standard based Financial characteristics same as above Deposit on your US Bank and Pay your Mexican debt

7. Porperty of Conficasa Holdings, Inc – All rights reserved Mexican Home US Financing American dream in Mexico –Strong market demand and proven track record of “cross border” mortgage execution has paved the way to international mortgage financing. – US standards based US forms used US credit bureaus used US verifications US underwriting “full doc”

8. Porperty of Conficasa Holdings, Inc – All rights reserved American Buyer Financing Products For Mexican Properties USD Financing –Finished property, construction and cash out loan financing options. – Loan amounts $ 100,000 – 1.5 Million –20 year amortization – RATES 7.5% up to 8.5% – Terms fixed, variable or a combination – 70% Max Loan to Value – Property appraisals and other considerations apply – Not all areas available – Title Insurance NOT mandatory but strongly recommended

9. Porperty of Conficasa Holdings, Inc – All rights reserved American Buyer Mexican Property Mexican Pesos Mexican Pesos, a good option? – Finished Property, remodeling and refinancing – Loan amounts: $ 35,000 minimum – No MAX – 15 and 20 year amortizations – Rates: 9.9% - 11:98% (15 and 20 yrs. Term) – Fixed only – 80% Loan to value – Appraisals and other considerations apply – Currency fluctuation benefit opportunity

10. Porperty of Conficasa Holdings, Inc – All rights reserved Stay tuned… More coming! “Tip of the Iceberg” The secret is out and the Market Demand is setting the tone. –Mayor Financial Institutions Mexican and American Designing Competitive Products – Proven Concept influencing Canadian and European buyers to Mexico –Longer terms, more areas and more sophistication on the financial products are expected.

11. Porperty of Conficasa Holdings, Inc – All rights reserved Conclusions “The perfect storm” – Mexican housing industry will quick improve current deficits by creating domestic and international partnerships. – Mexican builders benefiting from foreign partners and creating “culturally sensitive” products, bigger homes, bigger profits! – US MORTGAGE FINANCING will be the fuel that will stimulate a multi-Billion dollar dormant but ripe market.