Christopher Yates - President

www.cmyatescapital.com

This is not an offer to sell securities. Any person, entity, or organization must first be qualified by the company and read all of the offering documents and attest to reading and

fully understanding such documents. CM Yates, Inc. and its affiliates are not licensed securities

dealers or brokers and as such, do not hold themselves to be. This presentation should be

construed as informational and not as an advertisement soliciting for any particular

purpose. All securities herein discussed have not been registered or approved by any

securities regulatory agency in accordance with the securities act of 1933 or any state

securities laws.

CM Yates locates a property to buy at a significant discount below market value.

CM Yates borrows funds from private investors to purchase and renovate the property.

CM Yates sells the property for profit or holds the property for cash flow and potential appreciation.

We specialize in distressed properties that usually need renovation.

We know where to look, what to buy, what NOT to buy, and how to renovate.

We create value by purchasing ugly, vacant homes and turning them into attractive, functional, family homes.

1. Joe moves his retirement account to Entrust New Directions Roth IRA

2. Joe applies to become a Private Lender at www.cmyatescapital.com

3. Joe receives company updates and announcements of available private notes.

4. Joe calls or e-mails CM Yates with interest in a specific note, or inquires if a note is available with their preferred terms.

5. Joe selects a note that meets his criteria and requests to be the lender on the note.

ARV (After Repaired Value) = $160,000 Note Amount = $100,000 LTV (Loan-To-Value) = 62.5% Term = 1 Year 1st Position Note Points = 1.5 Interest Rate = 12% APY (Annualized Percentage Yield) =

13.5%

Interest Payments Monthly Quarterly Annual (for terms longer than 1 year) Accruing Custom

Rehab Escrow Account Tax and Insurance Escrows or Pre-

Payment Longer Term Notes Junior Position Notes Non-Retirement Account Funds Additional Information

Property Tour Scope of Work, etc.

Purchase Price: $71,000

CM Yates prepares Note and Deed of Trust

CM Yates pre-fills Entrust Direction of Investment forms for Joe

Joe reviews all documents for accuracy and approves

Joe faxes signed documents to Entrust Entrust wires funds to title company Title Company funds deal

Title company records Deed of Trust Title company sends Note to Entrust CM Yates begins renovation CM Yates mails interest payments to

Entrust for deposit into Joe’s IRA account

After Repaired Value: $160,000

CM Yates Purchase Price = $71,000 Estimated Renovation Budget = $18,000 Closing Costs = $500 Pro-Rated Taxes and Insurance = $1,000 Total Cost Basis = $90,500

Investor Funds: $100,000 Lender Fees: $1,500 CM Yates Cost Basis: $90,500

Remaining Funds = $8,000

$100,000 Principal Invested+ 1.5 Points = $1,500+ Interest @ 12% = $12,000= $13,500 Earned in 1 Year

13.5% APY

• Secured by Deed of Trust• Insured by Hazard Policy

1. CM Yates sends a pay-off check to Entrust for credit to Joe’s IRA

Or…

2. CM Yates offers Joe an extension for a longer term

Multiple Exit StrategiesWe can offer you a Note renewal.We can re-finance your Note with

another lender.We can bring in a credit partner to

re-finance .We can sell the property quickly at

a discount to another investor.

Personal Real Estate Investor Magazine

November/December 2008 Issue“Assured Returns by the Numbers”

MSNBC.com

“New Breed of Investor Looks to Housing Market”http://www.msnbc.msn.com/id/27518326

www.cmyatescapital.com

Toll Free: 1-877-8-CMYATESThis is not an offer to sell securities. Any person, entity, or organization must first be qualified by the company and

read all of the offering documents and attest to reading and fully understanding such documents. CM Yates, Inc. and its affiliates are not licensed securities dealers or brokers and as such, do not hold themselves to be. This e-

mail should be construed as informational and not as an advertisement soliciting for any particular purpose. All securities herein discussed have not been registered or approved by any securities regulatory agency in accordance

with the securities act of 1933 or any state securities laws.