©2000-2008 American Reverse Mortgage Corporation. All rights reserved. This material may not be copied, used or distributed without the written permission of American Reverse Mortgage Corporation.

Let your house support YOU now

It’s On the House !

©2000-2008 American Reverse Mortgage Corporation. All rights reserved. This material may not be copied, used or distributed without the written permission of American Reverse Mortgage Corporation.

The Reverse Mortgage Timeline

1970 1988 19961970 1988 1996The National Council of the Aging, The Veterans Administration Division of Housing and privately held senior advocacy groups begin feasibility studies to determine the merits of a federally insured Home Equity Conversion Mortgage.

The President of the United States signs into law “The Federal Home Equity Conversion Mortgage Insurance Plan” offering Senior Americans the first FHA insured HECM mortgage.

FNMA (FannieMae) Creates the Home Keeper” Reverse Mortgage. Wall Street Journal states that they anticipate 16 million households to apply for reverse mortgages in 2010.

©2000-2008 American Reverse Mortgage Corporation. All rights reserved. This material may not be copied, used or distributed without the written permission of American Reverse Mortgage Corporation.

Informational Resources

AARP FannieMaeAmerican Bar

Association

©2000-2008 American Reverse Mortgage Corporation. All rights reserved. This material may not be copied, used or distributed without the written permission of American Reverse Mortgage Corporation.

Who is American Reverse Mortgage?

#6 Reverse Mortgage Company in US (in 14 states)

#120 On Entrepreneur Magazine’s HOT 500 List

#1230 On INC Magazine’s Top 5000 List

100% A Reverse Mortgage Company Only

2006 $8.4 million in Revenue

2,418 Employees 2006

©2000-2008 American Reverse Mortgage Corporation. All rights reserved. This material may not be copied, used or distributed without the written permission of American Reverse Mortgage Corporation.

American Reverse Mortgage Credentials

©2000-2008 American Reverse Mortgage Corporation. All rights reserved. This material may not be copied, used or distributed without the written permission of American Reverse Mortgage Corporation.

How Are Some Reverse Mortgages Used?

• Improve Current Standard of Living• Help Family Members and Loved Ones• Stop Making House Payments• Help with Medical and Prescription Bills • Set up a College Fund for a Grandchild • Additions and Repairs to the Home• Fulfill Lifelong Travel Dreams• Replace Income From a Deceased Spouse• Donate to charity

©2000-2008 American Reverse Mortgage Corporation. All rights reserved. This material may not be copied, used or distributed without the written permission of American Reverse Mortgage Corporation.

Financial Financial Peace of Mind Peace of Mind

©2000-2008 American Reverse Mortgage Corporation. All rights reserved. This material may not be copied, used or distributed without the written permission of American Reverse Mortgage Corporation.

What Do You Think About When You Hear the Word

“MONEY”?• I’ve got too much,

I need to give some away.

• If I had more I could do more of the things that I enjoy and get the things that I need.

or

©2000-2008 American Reverse Mortgage Corporation. All rights reserved. This material may not be copied, used or distributed without the written permission of American Reverse Mortgage Corporation.

What would you do differently

if you had more money?

©2000-2008 American Reverse Mortgage Corporation. All rights reserved. This material may not be copied, used or distributed without the written permission of American Reverse Mortgage Corporation.

Senior Concerns • The cost of day-to-day living is increasing

• Most Seniors find themselves on a fixed income.

• If their income grows, it is not keeping up with their expenses or inflation

You want more than just keeping up―

You want OPTIONS.

You want more than just keeping up―

You want OPTIONS.

©2000-2008 American Reverse Mortgage Corporation. All rights reserved. This material may not be copied, used or distributed without the written permission of American Reverse Mortgage Corporation.

For Most People

The Family Homestead Is Their

Largest Lifetime

Investment.

©2000-2008 American Reverse Mortgage Corporation. All rights reserved. This material may not be copied, used or distributed without the written permission of American Reverse Mortgage Corporation.

Many Seniors Have Their Mortgage

Paid Off or Almost Paid Off

This gives them “Equity”

Equity = Equity = Tied Up MoneyTied Up Money

©2000-2008 American Reverse Mortgage Corporation. All rights reserved. This material may not be copied, used or distributed without the written permission of American Reverse Mortgage Corporation.

But

CA$H POOR!CA$H POOR!

UnfortunatelyMany Seniors

Are House Rich

©2000-2008 American Reverse Mortgage Corporation. All rights reserved. This material may not be copied, used or distributed without the written permission of American Reverse Mortgage Corporation.

# 1 You could sell your

home

“Downsize” ?

2Main Ways To Get Cash

From Your Home

©2000-2008 American Reverse Mortgage Corporation. All rights reserved. This material may not be copied, used or distributed without the written permission of American Reverse Mortgage Corporation.

#2 Get a Home Equity Loan

• Make Payments• Pass Credit Check• Risk Foreclosure of Your

Home

©2000-2008 American Reverse Mortgage Corporation. All rights reserved. This material may not be copied, used or distributed without the written permission of American Reverse Mortgage Corporation.

Home Equity Conversion Mortgage“HECM”

Now, There’s a 3rd Way...

It’s a home equity loan that

YOU NEVER PAY BACK

As Long As You Live &

Keep Your Home As Your Primary Residence

©2000-2008 American Reverse Mortgage Corporation. All rights reserved. This material may not be copied, used or distributed without the written permission of American Reverse Mortgage Corporation.

How Does The Reverse Mortgage Differ From A Traditional Mortgage?

• There are NO PAYMENTS to make, therefore

• You CANNOT lose your home for not making the payments

• There are NO Income Requirements

• There are NO Credit Requirements

©2000-2008 American Reverse Mortgage Corporation. All rights reserved. This material may not be copied, used or distributed without the written permission of American Reverse Mortgage Corporation.

EQUITY

How It Works

Your Cash goes DOWN as your equity

goes UP

Your Cash goes UP as your equity

goes DOWN

Your cash

Your cash

“FORWARD” Mortgage “REVERSE” Mortgage

©2000-2008 American Reverse Mortgage Corporation. All rights reserved. This material may not be copied, used or distributed without the written permission of American Reverse Mortgage Corporation.

6% =$7,500

$125,000 - $50,000 = $75,000

When we remove funds from our investments

we reduce the INCOME from our investments

6% = $4,500

©2000-2008 American Reverse Mortgage Corporation. All rights reserved. This material may not be copied, used or distributed without the written permission of American Reverse Mortgage Corporation.

$125,000 - $50,000 $125,0006% = $7,500 6% = $7,500

1. The house continues to appreciate at its original value

2. Income from investments remains untouched and intact

Reverse Mortgage Funds Benefits

©2000-2008 American Reverse Mortgage Corporation. All rights reserved. This material may not be copied, used or distributed without the written permission of American Reverse Mortgage Corporation.

• You ALWAYS retain the title to the home• The loan is HUD designed and FHA insured• Funds from a reverse mortgage are

NON- TAXABLE• Sell the home at any time with

NO pre-payment penalty • Money can be received in various ways and

used for any purpose• NO DEBT is ever passed to your estate• ALL RETAINED EQUITY is paid to your heirs

Reverse Mortgage Review

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It is a Non-Recourse Mortgage:The final amount of the loan

WILL NEVER exceed the home value!

Reverse Mortgages Are Safe

The Lender NEVER Owns Your Home

Your Heirs are Protected, Too!

©2000-2008 American Reverse Mortgage Corporation. All rights reserved. This material may not be copied, used or distributed without the written permission of American Reverse Mortgage Corporation.

Insured by FHAThe Federal Housing

Administration

This Protects You and Your Heirs

©2000-2008 American Reverse Mortgage Corporation. All rights reserved. This material may not be copied, used or distributed without the written permission of American Reverse Mortgage Corporation.

Who Is Eligible For a HECM Reverse Mortgage?

• Homeowners at least age 62• Live in your home as your

primary residence

©2000-2008 American Reverse Mortgage Corporation. All rights reserved. This material may not be copied, used or distributed without the written permission of American Reverse Mortgage Corporation.

Can I Ever Be Forced Out of My Home?

NO ! You will only be required to:

1. Live In YOUR Home 2. Keep The Home Adequately Insured 3. Pay The Property Taxes 4. Maintain The Property

©2000-2008 American Reverse Mortgage Corporation. All rights reserved. This material may not be copied, used or distributed without the written permission of American Reverse Mortgage Corporation.

Will The Reverse Mortgage Affect My Taxes

Or Social Security ?

NO ! Money Received From a Reverse

Mortgage Is... Tax Free !

©2000-2008 American Reverse Mortgage Corporation. All rights reserved. This material may not be copied, used or distributed without the written permission of American Reverse Mortgage Corporation.

How Much Money Can I Receive?

1. Age of the Youngest Borrower

2. The FHA Appraised Value of the Home

3. The Current Interest Rate

The Amount You Receive is Based on Three Factors:

©2000-2008 American Reverse Mortgage Corporation. All rights reserved. This material may not be copied, used or distributed without the written permission of American Reverse Mortgage Corporation.

How Can I Receive My Money ?

• Lump sum

• Regular monthly payments

• Growing Line of Credit

• A Combination of Above

©2000-2008 American Reverse Mortgage Corporation. All rights reserved. This material may not be copied, used or distributed without the written permission of American Reverse Mortgage Corporation.

If You’re Thinking…

“This Sounds Great”

You are RIGHT

©2000-2008 American Reverse Mortgage Corporation. All rights reserved. This material may not be copied, used or distributed without the written permission of American Reverse Mortgage Corporation.