This presentation is for Home Owners and Real Estate professionals to learn of a New Program available for anyone who has equity in their home and don't want to refinance, borrow money, create a new debt, and more important if they chose, don't have to pay it back because it is not a loan. For more info, please contact Felix Trejo at 510-692-8771 or go to: www.evantagefinancial.com/ftrejo/sales

1. The EquityKey Solution
Introduction

2. Too many eggs in one basket?
Major Household Assets
Source: Federal Reserve Board, Survey of Consumer Finances
62%
10%
16%12%
Primary Home
Non-Financial Assests
Financial Assets
Other Real Estate

3. How to free up cash
If a homeowner needed or wanted cash out of their
home, there have historically only been 2 options:
• Take on debt (mortgage, reverse, or HELOC)
• Sell the property
Until EquityKey!

4. Unlocking The Future Value of Real Estate Today
 It’s not a loan, so there are no
monthly payments and no interest
 The existing home equity remains
the homeowner’s
 Only up-front cost to the
homeowner is the cost of an
appraisal
 Agreement ends upon sale or
transfer of the property.
Homeowners choose the %
of future appreciation
sold to EquityKey
EquityKey pays your client cash today in exchange
for a percentage of the future appreciation of their home.

5. How Does this Help Clients?
• Access money from the property without debt or sale
• Creates cash without impacting lifestyle or investments (“found
asset”); and one that likely would not be realized during lifetime
• Proceeds are tax deferred
• Eliminates downside price risk but leaves some upside in hands
of homeowner
• Estate planning: allows them to convert uncertain, taxable
assets into certain tax free or cash-flow generating assets.

6. How Much Money Do They Receive?
Example: Home value of $1,000,000
Share of Future
Appreciation Sold
75% 11.25% - 17.250% $112,500 - $172,500
70% 10.50% - 16.125% $105,000 - $161,250
65% 9.75% - 15.000% $97,500 - $150,000
60% 9.00% - 13.875% $90,000 - $138,750
50% 7.50% - 11.625% $75,000 - $116,250
40% 6.00% - 9.375% $60,000 - $93,750
30% 4.50% - 7.125% $45,000 - $71,250
% of Home Value Paid
Purchase Price Ranges
Purchase Price Paid
Examples above are for illustration purposes only. Actual agreements will vary and prices are subject to change without notice.

7. Sample Calculation of Appreciation
Growth Rate Property
Metro Month Year Index Total Annualized Value
San Diego July 2003 168.98 $1,000,000
May 2014 201.94 20.22 1.71% $1,202,000
Examples above are for illustration purposes only; actual index performance will vary across geographic regions. There can be no guarantee
that the Case-Shiller indices will perform similarly in the future.

8. Covering Downside Risk
While EquityKey is only buying a portion of the home’s future
appreciation, we are willing to cover 100% of any depreciation
(as calculated by the index), up to the total amount we paid the
homeowner.
Allows homeowners to take money off the table and sell risk
“When the boomers start to sell off their houses, there are
going to be too many boomers and not enough buyers.“
Dowell Myers, Demographer at USC

9. What Is Our Target Market?
Property Homeowner
Primary & Secondary Residences, Single
Family Attached & Detached, Site
Condo/Condo
Age 18 +
Properties located in CA, FL, NY
Planning to own the property for 7 or more
years
May use money from EK to pay down to Equity
Tier
Financially sound: acceptable DTI, credit
score, no delinquencies, not in danger of
default or foreclosure
Minimum Home Values
Los Angeles $465,000
San Diego $420,000
San Francisco $600,000
San Jose $650,000
New York $460,000
Miami $215,000
Tampa $160,000

10. Who Can Qualify?
Equity Tiered Underwriting Guidelines
Equity
Tier
Maximum Lien-to-Value (LTV)
Ratio*
Maximum Debt-to-
Income (DTI) Ratio*
Minimum FICO
1 Existing LTV1
+ EK2
= 60% 80% 600
2 Existing LTV1
+ EK2
= 70% 50% 640
3 Existing LTV1
+ EK2
= 80% 45% 680
1
Total available balance(s) of outstanding mortgage(s).
2
Total amount of Purchase Price percentage paid by EK at time of funding.
*Monies from EK Purchase Price can be used at time of funding to pay down LTV and/or DTI to
acceptable tier maximum.
All EquityKey transactions are subject to complete underwriting review and approval by EquityKey, in its sole
discretion. Underwriting guidelines may change, with or without notice.

11. Who is the ideal EquityKey Client?

12. Case Study, San Jose, CA– Real Estate Investment
• Couple in their late 50’s
• August 2014 Home Value:
$3,850,000
• Purchase Price paid to homeowners:
$670,000
• Appreciation Sold to EK: 75%
Summary: Clients plan to give their son $100,000 for a downpayment on
his first home and then use the balance to purchase an investment
property…free and clear! They are still invested in the growth of real
estate but now have income as well!