Call to improve your financial situation TODAY! What is your financial situation going to look like in 5 years... Our Mission

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1 OCG Properties, LLC Phone: Fax: Rosecrans Avenue, Suite Manhattan Beach, CA Web: What is your financial situation going to look like in 5 years... Our Mission Our mission is to help our clients attain financial freedom by providing sound real estate investment opportunities, support and education while utilizing our expertise to improve communities worldwide. Call to improve your financial situation TODAY!

2 Investment Options... Buy and Hold Investment Buy with 20%-25% down with financing or all CASH investment Get turn-key rental homes at 75% - 80% of the market value Principal is secured by the property Guaranteed renovation work with pictures & video Qualified tenant with criminal and financial background checks GREAT FOR LONG TERM WEALTH WITH AN EXTREMELY HIGH RETURN ON INVESTMENT! Trust Deed Investing Investor gets an 8% interest only interest rate for 1 5 years No head aches, just a check every month Secured by the property at no more than 65% of the market value Joint Ventures and Larger Deals OCG specializes in forming strategic alliances with various entities and forming Joint Venture relationships geared toward strengthening our relationship base and doing more real estate related investments. At OCG we are not only experts at purchasing, renovating and tenanting residential investment property; we do a complete return on investment analysis and always try to be as conservative as possible when investing. Investor gets a 50% - 75% split on cash flow and equity No head aches, we do all of the work. Secured by the property at no more than 65% - 70% of the market value

3 Buy and Hold Investment Example... PROPERTY DETAILS Address 4875 Wooddale, Memphis TN Area Square Feet 1798 Bed / Bath 3/1.5 Rents $975 Appraised Value $88,000 Purchase Price (80%) $70,400 Loan Balance (64%) $56,320 Down Payment (20%) $14,080 Fully Renovated, Rented and Turn Key! Gross Rents $975/month: $975 Vacancy(8%): ($78) Property Management (10%): ($90) Property Taxes ($1,635/yr): ($136) Insurance (approx $600/yr): ($50) Repairs ($50/month): ($50) Net Monthly Income: $571 Net Yearly Income: $6,852 Yearly Debt Service ($320/mo; 5.5% int): ($3,840) Net Yearly Cash Flow: $3,012 Est. Depreciation Benefits (35% tax rate): $717 Principal Reduction Yr 1: $759 EstReturn on Investment w/ financing : $4,488 % Return on Investment w/ financing: 31.80% % Return on Investment w/ all Cash: 10.70% Cash flow % ROI all cash w/ equity: 35.70% Renovation Pictures

4 Sample Renovation Pictures...

5 Trust Deed Loan Investment Example... PROPERTY DETAILS Address 123 Cash flow St., Memphis, TN Area Downtown/Mid-town Square Feet 1,894 Bed / Bath 4/ 3 Year Built 1975 Estimated Rents $1,000 Appraised Value $100,000 TOTAL LOAN $65,000 LOAN TO VALUE 65.00% PROPERTY OWNER CASH FLOW ANALYSIS Monthly Rental Income Monthly Expenses (35%) Debt Service (8% int rate) Investor monthly cash flow $1,000 ($350) ($433) $225 Monthly payment is covered by rental income so your investment is even more secure. Investment Summary Investment Summary Monthly Payment: $433 / month Monthly rents cover the mortgage payment 8% interest rate Secured by a deed of trust and promissory note Lender included as loss payee on insurance policy 3 to 5 year terms available Minimum investment $20,000 Secured by the property at no more than 65% of the estimated market value. Investors capital is secured by the property at no more than 65% of the market value of the property increasing the investors security. Investors Cash Flow Stream Monthly Payment: $433 / month Year 1 cash flow: $5,196 Year 2 cash flow: $5,196 Year 3 cash flow: $5,196 Year 4 cash flow: $5,196 Year 5 cash flow: $5,196 Total 5 Year Cash Flow Stream: $25,980 Average annual return: 8% 5 year total return: 40%

6 Joint Venture Investment Example... PROPERTY DETAILS Address Area Square Feet Bed / Bath Year Built Estimated Rents Appraised Value TOTAL COSTS COST TO VALUE 222 Money St., Memphis, TN Downtown/Mid-town 1,856 5/ $1,000 $100,000 $65, % COST INDCLUDES: Renovation, renovation buffer, purchase price, renovation management, admin labor, after move-in repairs, overhead, IT, accounting, appraisal, inspection (all costs are included). SALES AND PROFIT ANALYSIS PROFIT SPLIT Sales Price (100% of MV) $100,000 Gross Profit $35,000 Selling Commissions (5%) ($5,000) Seller Closing Costs ($1,000) Net Profit on Sale $29,000 Investors Share of Profit From Sale $21,750 Net Monthly Rental Income $615 Investors Share -Rental Income (75%) $461 Investors Cash flow ROI During Flip 8.50% Investor Year 1 Return $5,532 Investor Year 2 Return $5,532 Investor Year 3 Return $5,532 Investor Year 4 Return $5,532 Investor Year 5 Return Sale in YR 5 $27,282 Investors Average Annual Return 15.20% CASH PURCHASE / PROFIT SPLIT Rent ($1,000/ Month) Vacancy (8%) Property Management (8%) Insurance Property Taxes Repairs Net Monthly Income JOINT VENTURE INVESTMENT SUMMARY $1,000 ($80) ($80) ($50) ($125) ($50) $615 Term 3-5 Years Maximum all in cost of 65% - 70% of the est. market value 75% / 25% Cash Flow Split in favor of the investor 5 Year expected annual return of 15.20% Full property documentation is provided. Includes no appreciation in analysis to be conservative. Includes no rental increase in analysis to be conservative.

7 Our Services... (6 steps to cash flow) Property Analysis Property Acquisition Local Network Qualified Tenant Exit Strategy Financing Includes an analysis of the neighborhood, expenses, renovation work, rental income and the expected return of each property. We walk you through the entire process from acquisition through close of escrow and review all documentation along the way. Established network of qualified inspectors, contractors, property managers, title agents, loan agents, and appraisers to assist us. Qualified tenant with property criminal and financial background checks. Whether you re looking to refinance and pull cash out, hold your investment for cash flow, or sell for a profit, we provide assistance with the exit strategy. We will refer you to our proven network of lenders who will assist you with all of your financing needs.

8 Investment Process... Trust Deed Loan Investment Process Fill out a client intake sheet Joint Venture Investment Process Fill out a client intake sheet Property Purchase Investment Process Fill out a client intake sheet & get pre-approved with our lender (unless buying with cash) Review property due diligence documents Review property due diligence documents Pick a property and review property due diligence documents Sign Promissory Note Sign Joint Venture Contract and additional paperwork Put down a deposit and sign purchase & sale agreement. Funds Deployment and Securing your interest with a Deed of Trust Funds Deployment and Securing your interest with a Deed of Trust Bank appraisal, inspection and close of escrow. Sign property management agreement Collect Passive Cash flow! Collect Passive Cash flow! Collect Passive Cash flow!

9 Timeline... MILESTONE DESCRIPTION TIMING RESEARCH & ANALYSIS DURING ESCROW RENOVATION TENANTING Property Scouting: Property research, market value and property comparables analysis, cash flow, rent comparables, Return on Investment, neighborhood analysis, preliminary renovation bid, offers & counter offers, contracts, earnest money deposits, pictures & video Closing: Attorney review, insurance, inspections, final renovation bid, tenant marketing, owner occupant marketing, investor marketing, internet marketing, permit, utilities, inspection renovation bid comparison, documentation compilation, ARV appraisal, funds deployment Electrician, Plumber, Roofer, Carpets, AC & Heating, General Contractor coordination and bids, initial funding, renovation contracts, renovation completion walkthrough and error check, re-inspection, pictures & video, updated marketing material, online marketing Leasing: Showings, applications, financial & criminal back ground checks, leases, security deposits, lease options, credit repair, Good Life Foundation classes. Weeks 1 2 Weeks 3 4 Weeks 4 8 Months 1 4 PROPERTY MANAGEMENT Property management agreements, Collections, repair calls, credit repair, showings, legal & accounting, monthly statements, tenant newsletters, 3 day notices, utilities, tenant issues. Months 1 Year 5 SALE OF PROPERTY Marketing, leads follow up, lead development, lead qualification, purchase and sale contracts, closings, insurance reimbursements, lending coordination. We start marketing immediately! Year 5 (longer if desired)

10 Risk Mitigation Strategies... Property Risk Mitigation: A minimum of 6 comparable properties are obtained to ensure market value estimate accuracy. A complete renovation bid is done before closing. The rental analysis is done on the property before closing. An inspection is completed on the property before closing. An after repaired market value (ARV) comparable sales analysis is completed before closing. Memphis Market Risk: Low depreciation risk The Housing Price Index (HPI) declined only 2.89% from the 4 th quarter 2007 to the 4 th Quarter 2008 during the largest real estate crash in U.S. History. Homes are selling for less than replacement cost putting a floor on the further reduction of market values. Memphis has one of the highest rent to price ratios in the nation which results in relatively high cash flow returns. Over the past 20 years, Memphis has had only two quarters in which home prices declined excluding 2008 & 2009 showing the stability of the market. During 2008 & 2009, market values reduced only 3%, which demonstrate the stable pricing of the Memphis market. Structure There are well structured investor and syndicator splits with alignment of OCG s and investors interests. The property has proper liens secured by trust deeds against the property by a funding company. This decreases equity exposure and potential liability risks associated with owning property. The funding company is named as a loss payee on the insurance policy. An independent 3 rd party attorney review of all closing documents, closing process and funds disbursement occurs before closing assuring proper documentation. Owens Consulting Group, Inc. We have purchased, renovated and completed over 125 single family homes in the Memphis market over the last four years. Our in house property management team currently manages over 80 single family home investment properties in the Memphis market. We have extensive knowledge of the current real estate and lending markets. We know the ins and outs of the Memphis market and have developed long standing relationships. We in-source the renovation, property management, property research, property sales and almost every step in the process which decreases inefficiencies and mitigates multiple risks associated with outsourcing.

11 Helping the Community... We own a non-profit organization called The Good Life Foundation ( Two of its main purposes are to teach financial literacy, and help convert renters to home owners. Additionally it is sponsoring an initiative in Memphis called My City Memphis and will be rolled out into any future target market of OCG. The Good Life Foundation Financial Literacy Training The Good Life Foundation was founded with the goal of improving individuals financial well being and increasing homeownership, primarily though financial literacy training. Any resident wishing to take part in MCM will be given the opportunity to attend financial literacy training through The Good Life Foundation. My City Memphis Classes will include: Financial Basics & Personal Budgeting Interest & Taxes Home Ownership Credit Repair & Resume Building Retirement planning The purpose of the My City Memphis (MCM) initiative is to encourage Memphis residents to become more involved in their community and their own financial future by purchasing a house in Memphis. A typical Memphis renter can actually own a home for less per month than what they pay in rent on that home. So why don t they? The truth of the matter is that they are unaware of the financial benefits, they believe they cannot qualify for a loan and they are afraid of being taken advantage of. OCG partners with The Good Life Foundation and My City Memphis to help solve these problems and help residents invest correctly in their future.

12 At OCG Properties we realize that investing in Real Estate can be complex. We take away those barriers to make purchasing easy so that you can become a successful investor. Due to the many positive economic indicators our primary target market is Memphis TN. Memphis Overview Memphis is the country s 18th largest city and part of the 41st largest Metropolitan Statistical Area (MSA) with nearly 1.3 million residents. Memphis boasts a diverse and growing economy with its primary industries in distribution, manufacturing, agribusiness and healthcare. It s known as America s Distribution Center due to its central location and the presence of FedEx World Headquarters. Memphis has a growing bioresearch hub and is home to four Fortune 500 companies with the population projected to grow by 12% by Memphis Real Estate Market Memphis has one of the highest monthly rent to price ratios in the nation PMI risk index ranks Memphis as the 6th least likely metropolitan area to depreciate in the next two years A recent study by Moody s Economy.com ranked Memphis as the 6th most undervalued city in the U.S. Average annual home price appreciation of 4% per year. Over the past 20 years, Memphis has had only two quarters in which home prices declined. In 2008 & 2009 during the largest real estate crash in U.S. history Memphis only declined 3%. TALK ABOUT STABLE!. 35% 25% MEMPHIS HOUSING PRICE INDEX 1985 TO % 5% -5% % Memphis Past Appreciation in Memphis

13 Affiliate Program This real estate market has created amazing opportunities for explosive returns. Now is the time to invest! At Owens Consulting, we can show you how to utilize your resources and time while leveraging our BANK OWNED PROPERTY SYSTEM to create large sums of cash for yourself with NO RISK. We do not do boot camps or charge up front fees for working with us. You learn while we do the deal! HOW TO MAKE MONEY WITH US! Cash Buyer Referral Refer a cash buyer for a property and receive a $2,000 referral fee upon closing! Buyer with Financing Referral Refer a buyer with 20% down and receive a $2,000 referral fee! Private Money Loan Referral Refer a private lender at 8% for a period of 3 5 years and earn a $2,000 referral fee! Business Consulting Referral Owens Consulting performs an array of financial services for its clients. For every referral we will give you 10% of the billing for the first year! Real Estate Deal Referral Most of the time an inexperienced investor does not have the capabilities of putting deals together themselves. Bring us your deals and we will work with you so you do not make beginner mistakes. We make money with you!

14 Why work with us... You will have the expertise of seasoned investors assisting you from acquisition to sale along every step of the investment process. Every investment comes with OCG Properties ethical and conservative approach to investing. We save you time and money We do most of the work for YOU, making the investing process easy and help you get a great return on your money. OCG Properties President - Mathew Owens Favorite Quote: One part of me is a hardcore capitalist who loves the idea of money making money. The other side is a socially responsible teacher who is deeply concerned with the lack of financial intelligence among society as a whole. Robert Kiyosaki NEXT STEPS: Schedule a consultation with us to go over your investment strategies and resources. Call or invest@owenscg.com. Go over paperwork and/or get qualified for an investment. Start receiving cash flow! DO NOT MISS OUT ON THE BEST TIME TO BUY REAL ESTATE IN U.S. HISTORY! CALL TO START MAKING MONEY NOW! Mathew Owens, CPA p f e. invest@owenscg.com Web: