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Your Premier Source For Real Estate Investments

Georgia Mountain Community (near Chattanooga, TN)

Equity and Appreciation

One of seven beautiful lakes.

REAL ESTATE INVESTMENT RESEARCH REPORT

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Buy with NO Money Invested

Includes 3 Years of Payments

INVESTMENT SNAPSHO Norada Real Estate Investments is proud to introduce you to our latest real estate investment opportunity. This is a limited opportunity located north Georgia mountain community Chattanooga, Tennessee. The community was recently featured by The Travel Channel as “America’s Best Affordable Second Home and Real Estate Investment Destination” on their “America’s Best Places to Live” series. The Preserve at Rising Fawn is from 1 to 10 acres. It is located from the major cities of Nashville, TN, Knoxville, TN and Atlanta, GA. The ChattanTN area has been called the “Gem of the South” by also been ranked as one of the top travel destination locations by magazines such as Southern Living and Family Fun This unique investment can be purchased with 100%payments in escrow, and a S Individual lot prices range from $125limited number of lots that have just been released to the public for sale. Don’t miss out on the limited number of newly released lots located in The Preserve at Rising Fawn in the North Georgia Mountains. FAST FACTS

Investment Strategy: 2 to 3 Year Hold

Location: Georgia

Property Type: Buildable Home Site

Transaction Type: Pre-Development

Market Value: $160,000 and up

Purchase Price: $125,000

Instant Equity: 25% Average

Cash Flow: N/A

Capitalization Rate: N/A

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SNAPSHOT

Norada Real Estate Investments is proud to introduce you to our latest real estate

This is a limited opportunity located in the north Georgia mountain community near

community was recently featured by America’s Best

Affordable Second Home and Real Estate ” on their “America’s

The Preserve at Rising Fawn is a 3,000 acre gated community with home sites located only 30 minutes from Chattanooga, TN, 120 minutes

from the major cities of Nashville, TN, Knoxville, TN and Atlanta, GA. The ChattanTN area has been called the “Gem of the South” by The Wall Street Journal

also been ranked as one of the top travel destination locations by magazines such as Fun.

This unique investment can be purchased with 100% financing, 3 years of Sell Option to the developer.

idual lot prices range from $125,000 to $275,000. We are currently holding a limited number of lots that have just been released to the public for sale.

n the limited number of newly released lots located in The Preserve at Rising Fawn in the North Georgia Mountains.

2 to 3 Year Hold 100% financing – no payments for 3 years!

Georgia Mountains NO deposit money required

Buildable Home Site Buyback (Sell) Option with the developer.

Development Strong economic conditions and growth.

0,000 and up Multiple exit strategies.

25,000 and up Buy using your IRA or 1031 exchange.

Average Equity Beautiful 3,000 acre gated community

Purchase at pre-development pricing.

Quantities are limited. Rese

a 3,000 acre gated community with home sites ranging 30 minutes from Chattanooga, TN, 120 minutes

from the major cities of Nashville, TN, Knoxville, TN and Atlanta, GA. The Chattanooga, The Wall Street Journal, and has

also been ranked as one of the top travel destination locations by magazines such as

financing, 3 years of

We are currently holding a

n the limited number of newly released lots located in The Preserve at

no payments for 3 years!

required.

Buyback (Sell) Option with the developer.

Strong economic conditions and growth.

Buy using your IRA or 1031 exchange.

,000 acre gated community.

development pricing.

eserve today!

. FINANCIAL SUMMARY The Preserve at Rising Fawn, Georgia - Home Site Lots

0% net down payment example (15% down-payment at close with full reimbursment after close).

Purchase Basics Assumptions for Calculations (Annual)

Property Type Lot (Home Site) Gross Rental Income (Monthly) $ 0

Appraised Value (A) $ 210,000 Additional Monthly Income (if any) $ 0

Investor Purchase Price (B) $ 175,000

Down Payment by Investor 0% 1st Mortgage Loan Type 30 yr fixed

Buyer Credits / Rebates $ 52,500 2nd Mortgage Loan Type 3 yr balloon

Purchase Price % of Appraised Value 83% 1st Mortgage Interest Rate 8.50%

Notes: 2nd Mortgage Interest Rate 0.00%

1st Mortgage Principal Amount $ 148,750

Income Calculations Per Month 1st Year 5th Year 2nd Mortgage Principal Amount $ 14,651

Rental Income $ 0 $ 0 $ 0 Private Mortgage Insurance $ 0

Additional Income [if any] $ 0 $ 0 $ 0

Approx. Operating Income (C) $ 0 $ 0 $ 0 Property Taxes $ 0

Insurance $ 0

Expense Calculations Per Month 1st Year 5th Year Property Owners Association $ 0

Property Taxes $ 0 $ 0 $ 0 Water/Sewer/Trash $ 0

Insurance $ 0 $ 0 $ 0 Lawn Care $ 0

Property Owners Association $ 0 $ 0 $ 0 Property Management Fee 0.0% Property Owners Association $ 0 $ 0 $ 0 Property Management Fee 0.0%

Water/Sewer/Trash $ 0 $ 0 $ 0 Maintenance Reserve 0.0%

Lawn Care $ 0 $ 0 $ 0 Other 0.0%

Property Management Fee $ 0 $ 0 $ 0

Operating Expenses (D) $ 0 $ 0 $ 0 Living Square Footage 0

Total Square Footage w/ Garage 0

Mortgage Calculations Per Month 1st Year 5th Year

1st Mortgage Payment ($ 1,188) ($ 13,070) $ 0 Appreciation Rate 5.0%

2nd Mortgage Payment $ 0 $ 0 $ 0 Vacancy Rate 3.0%

Private Mortgage Insurance $ 0 $ 0 $ 0 Rental Income Increase 2.5%

Mortgage Payments (E) ($ 1,188) ($ 13,070) $ 0 Property Tax Increase 1.0%

Insurance Increase 1.0%

Cash Flow Assumptions Per Month 1st Year 5th Year Property Association Increase 2.0%

Net Operating Income (C - D) $ 0 $ 0 $ 0 Water/Sewer/Trash Increase 2.0%

Mortgage Payments (E) ($ 1,188) ($ 13,070) $ 0 Lawn Care Increase 2.0%

Pre-Tax Cash Flow ($ 1,188) ($ 13,070) $ 0 Closing Costs 3.0%

Financial Performance 1st Year 3rd Year NOTES:

Capitalization (Cap) Rate 0.0% 0.0% 1. This pro-forma illustrates a 3 year buy-and-hold

Gross Rent Multiplier (Annual) N/A N/A strategy with a sale at the end of year three.

Rent to Purchase Price Ratio N/A N/A 2. You are free to build and/or hold longer term if

Rent per Sq Ft N/A N/A the "numbers" make financial sense.

Equity (Wealth) % (A - B) 37.5% 33.8% 3. Out-of-pocket cash after close is $0.

Equity (Wealth) $ (A - B) $ 82,777 $ 82,198

v 5.1 Updated: 8.04.08

CASH FLOW and EQUITY ACCUMULATION The Preserve at Rising Fawn, Georgia - Home Site Lots

0% net down payment example (15% down-payment at close with full reimbursment after close).

CASH-FLOW YEAR 1 YEAR 2 YEAR 3 YEAR 4 YEAR 5 YEAR 9 YEAR 10 YEAR 15 YEAR 20

Gross Rental Income $0 $0 $0 $0 $0 $0 $0 $0 $0

Other Monthly Income (if any) $13,070 $13,725 $13,725 $0 $0 $0 $0 $0 $0

Vacancy Allowance $0 $0 $0 $0 $0 $0 $0 $0 $0

Total Operating Income $13,070 $13,725 $13,725 $0 $0 $0 $0 $0 $0

Property Taxes $0 $0 $0 $0 $0 $0 $0 $0 $0

Insurance $0 $0 $0 $0 $0 $0 $0 $0 $0

Property Owner Association $0 $0 $0 $0 $0 $0 $0 $0 $0

Water/Sewer/Trash $0 $0 $0 $0 $0 $0 $0 $0 $0

Lawn Care $0 $0 $0 $0 $0 $0 $0 $0 $0

Property Management $0 $0 $0 $0 $0 $0 $0 $0 $0

Total Operating Expenses $0 $0 $0 $0 $0 $0 $0 $0 $0

$0

1st Mortgage Payment ($13,070) ($13,725) ($13,725) $0 $0 ($13,725) $0 $0 $0

2nd Mortgage Payment $0 $0 $0 $0 $0 $0 $0 $0

Private Mortgage Insurance $0 $0 $0 $0 $0 $0 $0 $0

Total Debt Service ($13,070) ($13,725) ($13,725) $0 $0 $0 $0 $0

BEFORE-TAX CASH FLOW $0 ($0) ($0) $0 $0 #DIV/0! $0 $0 $0

Monthly $0 ($0) ($0) $0 $0 #DIV/0! $0 $0 $0Value of negative operating cash flows#DIV/0! 0 0 0 0 0 - 0 0 0

1 2 3 4 5 10 15 20Depreciation $0 $0 $0 $0 $0 $5,091 $0 $0 $0

1st Mortgage Interest $12,222 $11,801 $11,379 $0 $0 $8,851 $0 $0 $0

2nd Mortgage Interest $0 $0 $0 $0 $0 $0 $0 $0

Subtotal $12,222 $11,801 $11,379 $0 $0 $13,942 $0 $0 $0Taxable Income $848 $1,924 $2,346 $0 $0 ($13,942) $0 $0 $0

Tax Bracket Savings 36% $0 $0 $0 $0 $0 $5,019 $0 $0 $0

AFTER-TAX CASH FLOW $0 ($0) ($0) $0 $0 #DIV/0! $0 $0 $0

Monthly $0 ($0) ($0) $0 $0 #DIV/0! $0 $0 $0

EQUITY ACCUMULATION YEAR 1 YEAR 2 YEAR 3 YEAR 4 YEAR 5 YEAR 9 YEAR 10 YEAR 15 YEAR 20

Property Value $220,500 $231,525 $243,101 $0 $0 $0 $0 $0 $0minus 1st Mortgage Balance $147,903 $145,978 $143,633 $0 $0 ($16,969) $0 $0 $0

minus 2nd Mortgage Balance $14,651 $14,651 $14,651 $0 $0 $14,163 $0 $0 $0plus Reserve Account Balance $24,830 $11,105 ($2,620) $0 $0 $0 $0 $0 $0

EQUITY (WEALTH) $82,777 $82,001 $82,198 $0 $0 $0 $0 $0 $0

Capitalization (Cap) Rate 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%

Internal Rate of Return (IRR) 0% 0% 0% 0% 0% 0% 0% 0% 0%

Return on Investment (ROI) Infinite Infinite Infinite - - - - - -

* See detailed assumptions and purchase parameters on the Financial Summary page.

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ECONOMIC CONDITIONS The following are key micro-economic factors considered on this real estate investment:

Unemployment Rate Trend This chart shows the unemployment trend within a neighborhood. The unemployment rate is an important driver behind the housing market. Low and declining unemployment characterize a strong economy.

Median Sales Price Trend This chart shows the median sales price trend over time. An upward trend combined with low unemployment is a good buy signal.

Employment and Price Trend This chart shows the relationship between employment numbers and home prices within a neighborhood. Employment is a good measure of the strength of the local economy. Generally speaking, the better the job market, the better the chances of rising home prices.

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Building Permits Trend This chart shows building permits for single- and multi-family homes issued within a neighborhood. Issued permits are a good indicator of future construction and an important signal of how homebuilders see housing market strength in the area.

Buy / Sell Trend Trend The farther the trend line is located from the center line, the stronger the “buyer’s” or “seller’s” market is.

BUY

Future Job Growth Trend

The projected change in job availability over the next ten (10) years based on migration patterns, economic growth, and other factors:

Metropolitan Area/County = 18.5% Chattanooga = 27.3% to 29.4%

Appreciation Forecast Trend

Chattanooga area forecast over next 12 months (1 year): 2.91% Chattanooga area forecast over next 24 months (2 year): 6.38% Chattanooga area forecast over next 36 months (3 year): 10.22% (Forecast confidence score = 81.02%)

DealGrader™ Score The DealGrader™ Score measures the investment quality of a real estate investment. It is designed to give you an overall snapshot of the profitability and investment risk in the form of an easy to understand score (out of 10).

DealGrader™ is a proprietary algorithm that uses a blend of over 15 different variables including cash-flow, existing equity, internal rates of return (IRR), job growth, market stability, market absorption, macro economic factors, and others.

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PURCHASE & SALE STRATEGY HIGHLIGHTS

• 100% Financing • 3 Years of Payments in Escrow • Sell Option with the Developer

STRATEGY OVERVIEW

• Buy – with NO money invested. • Hold – while value is being created – no carrying costs (2.5 - 3 years). • Sell – keep your profits or reinvest your profits.

PURCHASE STRATEGY (Example using Sell Option)

STEP 1

• Client purchases the Lot for $175,000. • Client closes with an 85% LTV Loan ($148,750). • Client brings 15% “temporary” down payment to closing ($26,250).

o There is approximately $3,000 in closing costs (= $29,250 total).

STEP 2

• Client sells Option to developer for $52,500 and takes a second loan from developer for $14,651.

• Client receives $26,250 + approximately $3,000 from the developer to reimburse the “temporary” down payment and closing costs.

• Developer deposits $37,900 in a third party escrow account in name of Client. EXIT STRATEGY

1. Developer buys lot back using their Option Agreement (at developer’s choice). 2. Sell through developer’s dedicated retail sales people.

(Atlanta, Miami, Orlando, Washington DC, Tampa, Chattanooga, Birmingham)

3. Build a second home after 3 years (vacation rental or vacation home). 4. Build a second home now (vacation rental or vacation home). 5. Build a vacation rental and join rental pool. 6. Sell through outside real estate brokerages. 7. Retirement – primary residence.

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POSSIBLE EQUITY POSITION Estimates assume 5% annual appreciation. Year 2 Year 3 Property Value $192,937 $202,584 1st Mortgage Balance $148,750 $148,750 2nd Mortgage Balance $ 14,652 $ 14,652 Equity $29,535 $39,182 Escrow Balance $12,634 $0

Total: $42,169 $39,182

Zero Money Down ROI = Infinite!

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CHATTANOOGA, TENNESSEE Historic Chattanooga widely recognized, as one of the best midsize cities is only minutes away and perfect for shopping, dining and cultural opportunities. Chattanooga was named one of the Top 11 Southern Retirement Towns in the February/March 2007 issue of Retirement Lifestyles, a ten-year-old magazine that highlights locations, communities and lifestyles for prospective retirees across the U.S. "Our editorial staff was impressed by the moderate cost of living, great year-around climate, great outdoor recreational opportunities, strong healthcare, resurgent riverfront and downtown festivals," said Retirement Lifestyles Publisher Dan Owens. "Our team definitely felt that Chattanooga has a lot to offer relocating retirees from other states." "As baby boomers age, there will be an increasing interest in finding unspoiled smaller communities with great natural assets and a good quality of life,” Owens said. “We feel that Chattanooga has a great opportunity to prosper as a retirement destination," the publisher said. The Chattanooga area is a Mecca for outdoors enthusiasts who enjoy scenic vistas. Additionally, the many attractions located in the area include Lookout Mountain, Ruby Falls, Rock City and Nickajack Lake. Chattanooga is home to the world’s largest freshwater aquarium and more than a half million people from all over the world visit Lookout Mountain each year.

NORTH GEORGIA MOUNTAINS Atlanta residents are forgetting cities like Ft. Lauderdale or Naples and replacing them with north Georgia Mountain retreats. They are starting to view Florida more as a vacation and the mountains as a place to relax. Floridians tired of high taxes and insurance and a continued concern for hurricanes are moving to north Georgia in record numbers. Homes in Florida that are costing $12,000 in annual taxes will cost only $1,800 in the Georgia Mountains.

The Wall Street Journal and New York Times have identified Chattanooga as a “powerful, new emerging market.”

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According to The Georgia Trend magazine, this area is becoming a haven for second homebuyers, thanks to the low cost of living and beautiful geography. Second home sales are being spurred by the wealth transition from aging parents to their baby boomer young, new and more favorable tax laws, rapid increases in property values, and jittery stock market investors seeking more stable environments for their cash. In an April, 2006 article, USA TODAY stated “Americans snapping up second homes, as investments or vacation properties, accounted for four out of every ten sales of existing homes last year.”

THE PRESERVE AT RISING FAWN The Preserve at Rising Fawn is a 3,000 acre gated community located on Lookout Mountain in north Georgia. A short drive away is Southern Bluff and Southern Trace. Southern Bluff is approximately 250 acres featuring beautiful bluff views. Southern Trace is the golf course community including approximately 265 acres. Both of these communities are associated with The Preserve. The Preserve will feature amenities to include unlimited golf at a private club; an indoor equestrian facility; horse stables and horseback riding; a community clubhouse, including a swimming pool and fitness center; tennis courts; a playground; twenty-two miles of hiking and walking trails; seven lakes for fishing and paddle boat fun; along with unbelievable long range views. Homeowners will have access to all amenities regardless of where they reside. The developer has already begun building the roads and many of the amenities. The current plan calls for total completion of the roads and amenities by May, 2009. The golf course is scheduled to be ready in one year. Some of the amenities including horseback riding, hiking trails and fishing are ready now. Located on the southern end of Lookout Mountain, The Preserve at Rising Fawn is easily accessible in just under two hours from Atlanta, Birmingham, Nashville and Knoxville. Retail stores, restaurants and gas stations are located just ten minutes away. THE OPPORTUNITY Norada Real Estate investors can purchase 1 to 7 acre lots at pre-development pricing, direct from the developer, with up to a 30% discount, 100% financing and 3 years of payments in escrow with the developer. The appraised price of these tracts today is in the $165,000 - $250,000 range. Investors may also consider funding their purchase through a 1031 Tax Exchange or Self-Directed IRA.

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COMMUNITY FEATURES

• Spa • Organic Restaurant featuring items from The Preserve • Seven Professionally Maintained Ponds • Equestrian Facilities Including Stables and Horses • Indoor Riding Arena With 64 Stalls • Meeting Room and Party Room • Golf Carts • Miles of Walking And Riding Trails • Fitness Center, Tennis Courts, and Game Room • Swimming Pool • Playground • Unlimited Access to Golf Course (Green Fees Covered In HOA) • Gated Entry • 30 Minutes From Lake Nickajack and TN River • Paved Roads, City Water, and Underground Utilities On Each Lot • Trails for walking, hiking, biking and horseback riding • Professionally managed and stocked lakes • 53,000 sq. ft. Equestrian Center with indoor arena and 64 stalls • On-site horse trainer with clinics • 18-Hole Golf Course (off-site) - Southern Trace Golf Club membership • 400+ acres of preserved green space

COMING SOON

• Swimming pool and outdoor hot tubs (January 2009) • Fitness center and lighted tennis courts (January 2009) • Clubhouse and game room (January 2009) • Pergola area with outdoor cooking space (January 2009) • Playground area (January 2009) • Destination Spa (Early 2010) • Conference Center (Early 2010) • Restaurant (Early 2010)

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LOCATION

• Only 5 minutes to Highway

• Chattanooga, TN is 30 minutes

• Nashville, TN is 120 minutes

• Knoxville, TN is 120 minutes

• Huntsville, AL is 90 minutes

• Birmingham, AL is 90 minutes

• Atlanta, GA is 120 minutes

• Miami, Tampa, and Orlando, FL is 90 minutes (flight ~ $60)

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COMMUNITY MAP The Preserve at Rising Fawn is a 3,000 acre gated community with home sites from 1 to 10 acres and are priced from the high 100’s to mid-$200’s. The Preserve, nestled in Lookout Mountain, is located only 30 miles from downtown Chattanooga, fine dining, entertainment and shopping. Additional local amenities include Cloudmont family ski resort, and the Tennessee River.

Norada Real Estate investors can purchase 1 to 7 acre lots at pre-development pricing, direct from the developer, with up to a 30% discount, 100% financing and 3 years of payments in escrow with the developer. The appraised price of these tracts today is in the $165,000 - $250,000 range. Investors may also consider funding their purchase through a 1031 Tax Exchange or Self-Directed IRA.

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PHOTOS

Front entrance gate under construction summer 2007

Front entrance gate completed fall 2007

One of seven beautiful lakes.

Another one of seven beautiful lakes.

New log home under construction.

Distant view of neighbor barns.

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RESERVING A PROPERTY

Fax or mail the Reservation Form attached. NO DEPOSIT REQUIRED!

Phone: (800) 611-3060

Fax: (866) 611-3060

Email: Deals@NoradaRealEstate.com Reservation does not guarantee final unit selection which is subject to availability at time of pre-approval.

DISCLAIMER NOTICE The materials and information contained in this document are provided on an “AS IS” basis and “AS AVAILABLE” basis, without representations or warranties of any kind. Norada Real Estate expressly disclaims any and all such representations and warranties, either expressed or implied, including without limitation warranties of title, non-infringement, or implied warranties of merchantability or fitness for a particular purpose. Norada Real Estate does not warrant the accuracy or completeness of the information, text, graphics, links or other items contained within these materials. Norada Real Estate may make changes to this material at any time without notice. While Norada Real Estate strives to keep the information in these materials accurate and current, Norada Real Estate cannot guarantee the accuracy, completeness or timeliness of the information. Information within these materials may contain technical inaccuracies or typographical errors. Norada Real Estate reserves the right to make changes, corrections and/or improvements to the information contained within these materials at any time, without notice. This is not an offering for securities. We are in a market with rapidly changing interest rates. A steady rise in interest rates could alter your cash flow. As with any large purchase, it is highly recommended that you perform your own due diligence. There are no guarantees made and your returns could be higher, lower, or you could lose money. The length of time to build your property can vary depending on weather, city inspections, etc. The California Department of Real Estate has not inspected, examined, or qualified this offering.

FLY & BUY REBATE!

For those investors interested in flying down to visit the project site and “kick the tires”, we are offering you a Fly-and-Buy rebate of up to $1,000 to help cover the cost of your flight and accommodations for your trip. Your rebate will be paid by check upon close of escrow.

This incentive is offered to you exclusively by Norada Real Estate Investments!

INVESTMENT NAME: _______________________________

INDIVIDUAL INFORMATION

Name:

Address:

Phone:

Social Security #: Date of Birth:

Email:

Present Employer: Position or Title:

Years Employed: � I have been self-employed in the same line of work for the past 2 years.

My Stated Income: $ � I can verify income. (Your income is not verified with a Stated Income loan)

Previous Employer:

Years Employed: Position or Title:

FINANCIAL INFORMATION

Personal Checking Balance: $ Personal Savings Balance: $

Money Market / Liquid Assets: $ Retirement Accounts (401k, IRA’s): $

Home Equity Credit Line Available: $ Other Liquid Assets: $

Do you own or rent your current residence? � Own � Rent

To my knowledge my FICO score is over 660? � Yes � No � Don’t know

Are you a US citizen or Permanent Resident? � Yes � No

Have you filed for Bankruptcy in the past 7 years? � Yes � No

I hereby grant permission for Norada Real Estate Investments, and its participating lenders and mortgage brokerage firms including but not limited to Capital Direct

Lending, and/or their assigns (“Broker”) to obtain all information deemed necessary to process my mortgage loan application. This information includes, but is not

limited to, my past and present employment status, my deposit accounts, my past and present consumer credit record, my mortgage records and/or my rental records.

You are consenting to be contacted by up to 3 mortgage providers either by telephone, email or mail based on the information you have provided, even if you have

previously listed yourself on any private, state or federal Do-Not-Call List. You understand that the providers may maintain the information you submitted to us

whether you elect to use their services or not. In the event you no longer want to receive communications from a provider, you agree to notify the provider directly.

Broker, their successors and/or assigns, as their interest may appear, may reverify the information or documents used in processing this loan. I hereby authorize release

of information to the lender or its designee, by my employer, bank, accountant, mortgage lender, landlord, creditors and other sources to verify the accuracy of

documents and credit information the lender uses in deciding whether to approve my mortgage loan application. I also grant permission to use photographic copies of

this form containing my signature to obtain any information/documentation authorized hereby.

X___________________________________ _____________________

Signature Date

Fax this form to (866) 611-3060 or Mail to Norada Real Estate, 30251 Golden Lantern, Suite E261, Laguna Niguel, CA 92677

_____________________________________________________________________________

Privacy Act Notice: The information to be obtained will be used by the lender and any federal agency insuring, guaranteeing or purchasing the mortgage to determine whether you qualify as a

prospective borrower under the lender’s and agency’s underwriting standards. The information will not be disclosed outside the lender and the federal agency without your consent except to the

person or company verifying the information including, but not limited to your employer, bank, lender and any other credit reference as needed to verify other credit information, but if you do

not, your mortgage application may be delayed or rejected.

USA Patriot Act: The Patriot Act requires that we obtain the full “Date of Birth” (month, date and year) for all loan applicants.

All programs are subject to change without notice. This is not a guaranteed offer to lend and some interested applicants may not qualify. Occasionally additional documentation will be required. Completing this form does not obligate you in any way.

Reservation / Pre-Approval Form

Middle Last

Street City State Zip

Print clearly

(If less than 2 years with present employer)

/yr

Home Cell Work

Revised: April 1, 2008

First