Investor Relations

January 28, 2008

As we enter 2008, the real estate and credit markets remain in a state of turmoil but to a lesser extent than at the end of 2007.  The Company's management believes that although risks remain evident the opportunities available for the acquisition of quality properties in specific markets far outweigh the risks.  Management continues to pursue two avenues of business.  First, the acquisition of quality properties in markets that have been little affected by the credit crunch and have only nominal exposure to the "sub-prime" market and have a high probability of population growth in the near term.  Second, the expansion of retail branch mortgage operations in conjunction with the acquisition of these properties.

The Company also continues its' ownership interest sale of membership units through a private placement memorandum.  If you are a qualified investor and would like more information on this issue, please contact James Ray at 888-788-2864.  A copy of the PPM will be sent to you upon request.  All questions regarding the PPM should be directed to James Ray.  You may also download a copy of the PPM executive summary by logging in to the client access page and entering the login of ppm and password of ppm.  The summary is in pdf format.

Although we are certain that 2008 will present many challenges, we are equally certain that it will present as many opportunities.

James O. Ray

President