1. PRIVATE LENDINGMaking Your MoneyWork For YouWorking Smarter Not Harder!

2. WelcomeWe thank you for taking the time toconsider what we believe to be a lifechanging event by providing theAmerican Dream of Homeownership. 3. Company OverviewWhat is Private Mortgage Lending?Whats in it for you? How you benefit. 4. Private LendingOverview We buy and sell houses. To purchase the houses we prefer to borrow moneyfrom private lenders. We pay you 10% to use your money. Its that simple. 5. Private Lending BENEFITS Secured Hassle-free Superior Yields 6. Private LendingThe Tommy GroupOwner and Founder: TommyThompsonTeam Members:Title Company: Stewart TitleAcquisition Manager:Network Coordinator: 7. ABOUT US The Tommy Group is a private realestate investment company. We acquire, rehabilitate, and leaseresidential and, commercial real estate. Our goal is to provide affordable housingto tenants, first-time home buyers and the general public. 8. Company Story We all have passion that drives us We all have gifts and abilities and I started this company to use mygifts and abilities to serveothers. 9. Our Website: www.HigherCincyReturns.com 10. Investment Area Covered Our scope encompasses the Cincinnati, Ohio market, and other outlining areas that are growing. 11. Competitive Advantage Our competitive advantage is speed to purchase a property and knowledge of creative real estate techniques. 12. House Purchased 13. Before and After 14. RULE of 72 Rule of 72 is a way to determine how long an investment will take to double by dividing 72 by the annual rate of return. How long will it take for your investment to double? Example: Investment of $100,000.00 Rate of Return 3% = 24 Years = $200,000.00 Rate of Return 8% = 9 Years = $200,000.00 Rate of Return 10% = 7.2 Years = $200,000.00 15. HOW DOES YOUR BANKMAKE MONEY? CDsMortgagesXPays low % rate Charges high % rate www.HigherCincyReturns.comeliminates the middle man 16. HOW IT WORKSPrivate Lender Documents Securing10% Interest Payment Investment Rent PaymentRenovated Home Tenant - Buyer 17. INTEREST PAYMENTOPTIONS Monthly Payments of 10%simple interest Quarterly Payments Lump Sum Payment at endof year with principal and interest included 18. EARLY WITHDRAWAL OF CDExample: $100,000 BankThe Tommy Group CD Rate: 4% Interest Rate: 10% Term: 1 yearTerm: 1 year Termination Fee: $1,000 Termination Fee: $0 Interest Paid: $4,000 Interest Paid: $10,000**$10,000 - $1,000 = $9,000 NET GAIN** There is no early withdrawal fee with The Tommy Group 19. WHAT IS THE PRIVATE LENDERSBIGGEST CONCERN?Protection of Your Investment,of course! # 1 Rule:Total loan amount borrowed by The TommyGroup will not be higher than 85% loan-to-value after renovation work is completed.We dont over leverage the property which= additional security for you. 20. THERE IS ALWAYS PLENTY OFINVESTMENT ABOVE YOUR LOAN < $100,000 After Renovation < $85,000 Max Loan (85% LTV)$15,000 Instant Equity Cushion! 21. DOCUMENTS SECURINGYOUR INVESTMENTS Promissory Note defines the terms & conditions of your investment. Deed of Trust mortgage secured / recorded against the property. Title Insurance protection for lender policy. (Case by case basis)Individual Lenders (YOU) Have No Expenses Hazard Insurance 22. UNDERSTANDING YOURINVESTMENT OPTIONSARE YOUDO YOU HAVE Retired? IRAs? Laid Off? CDs or Savings Have you quit your job? 401Ks? Pension Plans? Whole Life Insurance?If so, we can help allocate your investments while your returns remain tax-deferred or tax-free. Youre in Control, We Just Do The Paperwork 23. The Tommy Group PURCHASE PROPERTIESFrom Banks Foreclosures Private Individuals Estates RealtorsOther Investors 24. HOW DO WE BUY HOUSESBELOW MARKET VALUE? We Specialize in findingdistressed properties that usually need renovation. We know where to look,what to buy, what not to buy, and how to renovate. We create maximum valueand improve the community by remodeling the property . 25. PEOPLE WHO BUY HOMES FROM The Tommy Group First-time homebuyers&purchasers who cannot qualify through conventional financingWe help people achieve the American Dream of homeownership 26. The Next Step ? By now you know how this program works and how you can earn 10% starting today. You have (3) options:We hope you decide to join our team 27. The Next Step ?1) Do nothing. This isnt for you. Can you give us names of folks that you feel it would serve.2) Set up a one-on-one meeting and move forward by investing with us.3) Yes, I am ready to get started. 28. CLOSING STATEMENT Work Smarter Not Harder!Make Your Money Work For You! Start earning up to 10% today! 29. How To Find Us Web Site: HigherCincyReturns.com E-Mail: Tommy@ HigherCincyReturns.com Phone 804-554-9763