Helping You Create Financial Independence

1. Affordable Housing Investment Program in Sevier County, TN Helping You Create Financial Independence

2. Obligatory Disclaimers • The strategies mentioned in the presentation may not be appropriate for everyone; other options not mentioned may be more suitable for your specific circumstances. Consult your personal accountants, tax advisor and/or attorneys to discuss your specific situation. • Past performance is no guarantee of future results. Real Estate purchases are subject to investment risks, including the possible loss of amounts invested. • While every effort is made to maintain accurate and current information, the possibility of errors and/or updates always exists. No guarantee is made that all information is current and accurate.

3. 2 year ROI: 6,000% !!! • Down Payment: $1,500 • Positive Cash Flow During Year 1: $14,400 (based off of $1,200/month) • Immediate Equity: $35,000 • Asset Appreciation: $41,000 (based off of 8% per year) • Total 2 year return: 35,000k+41,000k+14,400k=$90,400 • Cash on Cash Return= 6,000%

4. Knoxville Ranked #5 In Real Estate Growth 2nd Half of 2006 Home of the University of TN – 26,400 students 5 Major Hospitals Rapidly Rising Land Costs Affordable Housing Shortage Substantial Tourist Hub, Support Resort Town A Second Florida for Retirees with Less Weather Risk & Lower Cost of Living Accessibility – 3 Major Interstates Collide – I-75, I-40, I-81 Why Tennessee? Knoxville & Gatlinburg

5. No State Income Taxes Sales Tax Credit to Residents Lower Taxes than Knoxville Lower Insurance than Gulf States 12 Minutes to Knoxville, TN 20 Minutes to Gatlinburg, TN Area Lower Land Costs Down Home TN Feeling Growing Amenities & Infrastructure Development Why Tennessee?

6. Tennessee Tourism • 13 Million + visitors per year often returning 2- 4 times per year • 50% of visitors travel up to 500 miles • 33% of visitors stay 4 to 7 nights • The average couple spends $1,800 per trip • $1.2 Billion in travel expenditures in 2005

7. Tennessee Attractions • Gateway to Great Smoky Mountains National Park • 9 Million Visitors Per Year, spending over $652MM in the surrounding areas • #1 Attraction in Tennessee

8. Tennessee Attractions • 2.4 Million Visitors Per Year • #2 Attraction in Tennessee

9. Tennessee Attractions • Dollywood's Splash Country was named the "Best New Waterpark" by the World Waterpark Association during the park's inaugural season. • Featuring more than 23 water adventure slides, thrill rides with daring drops, white water rafting ride, and two interactive children's playground areas.

10. Tennessee Attractions • 2 Million Visitors Per Year • Most Visited Aquarium in the U.S. Sevier County is now Ripley’s Entertainment “new attraction” launch site preferred over Orlando – it includes The Haunted Adventure, Motion Theatre and a Miniature Golf Experience

11. Tennessee Attractions Harrah’s Casino (a peaceful 35 mile drive through the mountains) The Hard Rock Café #2 ranked city for weddings and the only Hard Rock Café with a wedding “Chapel” on site in America Wonderworks of Orlando only 2 in the United States

12. Other Attractions Comedy Barn Theater Dolly Parton’s Dixie Stampede Dinner & Show Country Tonite Theatre Great China Circus Legends of China Miracle a faith based musical Shopping District The largest shopping district from Nashville to North Carolina, new upscale with boutiques, anchor stores, specialty stores, restaurants and more Free College Tuition 2 years paid college tuition for any student graduating from a Sevier County schools with a “C” or better GPA Tennessee Attractions &Characteristics

13. Number of Attractions Up! • Projects Under Development • Cabella’s • Dollywood Expansion • 90 Acre River Walk • NASCAR Experience • Planned Projects • LPGA Course • NASCAR Speedway • Additional 1 Million SQFT of Outlet Space • Potential Projects • Disney

14. Sevier CountySUMMARY OF FEATURES Program Highlights • Immediate Equity of 10% even with Low Down Payment • Financing Options Available • Quadruple-Digit Cash on Cash Returns • 1 year developer lease back • 100% positive cash flow during year 1 (due to developer lease back) • 6,000% ROI • Multiple Hold Strategies • Own the Property Starting with up to $1500 out of pocket • Total Out of Pocket for full 20 months less than $2,000 while appreciating easily $20k+/year for buy and hold strategy (based on 8 month build out time and property appreciating at 10% a year) • Investing in Emerging Market • Strong Demand Dynamics in Place

15. 1 Year Developer Leaseback • NO PAYMENTS till 2009! • Total out of pocket money to purchase is only $1,500 • Built in equity is 10+% of sales price • Build time is 3-4 months (no out of pocket money during this time) • 1st year leaseback covers payments • Vacant Developer Leaseback • You can work w/ our property management firm to rent out your property for PURE POSITIVE CASH FLOW during year 1 • THE TIME IS NOW TO BUILD YOUR PERSONAL NET WEALTH!

16. Factors Mitigating Risk • Instant Equity of 10+% • 8% Projected Appreciation • 1 Year Developer Leaseback • 100% Positive Cash Flow - up to $14,400 During Year 1

17. The Brentwood Model

18. The Brentwood Model

19. SUMMARY ILLUSTRATION Investment Overview 2 yr ROI Example:Sevierville, Tennessee Typical Lot $ 47,000 Typical Model Price $ 165,000 Net Home Price $ 210,000 **Closing Cost on Loan $ 10,000 Construction Interest $ 3,000 Total Purchase Price $ 226,000 Total Loan Amount $ 226,000 Appraised Value $ 261,000 Total out of pocket $ 1,500 Approximate Equity at Closing $ 35,000 Annual 2 yr Appreciation if @ 8% $ 41,000 Positive Cash Flow During Yr 1 $ 14,400 Total 2 year return $ 89,000 Cash on Cash Return 6,000% *example purposes only – prices and inventory may vary

20. EXIT STRATEGY Planning Your Exit Rent upon Completion (Certificate of Occupancy) Projected Amount of Rent per Month (net) $ 1,200 Pure Positive Cash Flow During Yr 1 $ 13,200 (due to 1 year developer leaseback) Projected Value of Home after 2 Years $ 301,600 (based on 8% appreciation per yr) Enjoy Available Tax Benefits (12 months +) *All prices, building costs, interest rates, and appreciation rates are subject to change without notice. Cozza Investment Group, Inc is not responsible for losses, damages, or changes in the market conditions. All information is deemed reliable but not guaranteed. *example purposes only – prices and inventory may vary

21. How do I get started? Please read the following steps involved to get your clients started! STEP 1: Email Brad Cozza or call to reserve an allocation for this investment. (limit of 2 per person) STEP 2: Each investor needs to be pre-approved by the preferred mortgage company, Home First Financial. This company will need to obtain a complete residential mortgage application, including information provided by three independent credit reporting agencies, asset and income information, work, and residential history, and other necessary information. STEP 3: Upon pre-approval, Home First Financial will contact you letting you know the exact deposit amount required *Reservation does not guarantee final lot selection – lot selection subject to availability of inventory at time of pre-approval

22. How do I get started? Cont. • STEP 4: If application meets lender’s criteria for financing, Cozza Investment Group will assist investor in lot and/or resort cabins. Each investor will receive a call from Cozza Investment Group. • STEP 5: Client will receive a package from Home First Financial comprised of a contract for land purchase, a builders contract, and a loan package. The lot acquisition process is on a first come first serve basis after your loan is pre-approved. Cozza Investment Group, Inc. will provide any information in regards to the lot acquisition process. • STEP 6: Upon completion of a fully executed contract by both parties, the time clock begins. Any additional deposits should be sent to the title company within 5 days or less. • STEP 7: Investor will work with Home First Financial to provide them all required documentation to complete the loan file. Simultaneously, the appraisal and title companies will complete their services. • STEP 8: A completed loan package is submitted on behalf of the borrower and approved for closing. Approximately two weeks after the closing, the builder receives their first draw to begin the permitting and building process.