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Convert Part of Your Home Equity

into Cash Today

The Alternative to a Home Equity Loan

Life Saver Loans HomeOwner enables you to convert a

portion of your home equity into immediate cash that you

can use for any purpose.

What Life Saver Loans offers is unlike anything you have

seen before. Life Saver Loans invests alongside you in your

home. It ’s called a home ownership investment. Because it ’s

an investment and not a loan, there are no monthly

payments on the money we provide. In fact, there are no

payments to us at

all until you sell your home – up to 30 years later. Instead,

Life Saver Loans hopes to earn a return on its investment

from

a share of the change in value of your home from the time

we invest to the time you eventually sell.

How it Works

› We partner with you by providing you with a cash payment

today of up to 17.5% of your home’s current value.

› You make no payments to us until you sell your home. We

are your partner, but you are the sole owner of your

home. And like any homeowner, you can sell your home

at any time you choose

› When you decide to sell, you make a single payment to

us from the sale proceeds. If the value of your home has

increased, the payment will be more than we originally

invested and Life Saver Loans will make a profit. If the

value has decreased, we will typically receive less than

we invested and incur a loss. It’s that simple.

Life Saver Loans HomeOwner

Advantage

Because Life Saver Loans HomeOwner is not a loan it

offers

significant advantages over debt-based home finance

programs.

Home equity loans or home equity lines of credit provide

access to cash, but require a monthly payment, typically

have a variable interest rate, and frequently have a ten-

year term. In contrast, Life Saver Loans HomeOwner has no

interest rate, no monthly payments, no negative

amortization and no accrued interest. With Life Saver

Loans HomeOwner, you control the length of the term by

deciding when to sell your home, subject to a maximum term

of 30 years.

Life Saver Loans HomeOwner is also not a reverse

mortgage. With a reverse mortgage, your home equity

typically decreases over time. Over a period of years, a

reverse mortgage can actually consume 100% of your

home equity. With Life Saver Loans HomeOwner, all of the

equity you have in your home at the time you enter the

agreement remains yours. All we do is convert a portion of

it to cash for you.

Who is it good for?

If you have significant home equity, plan to stay in your

home for at least several years and need or want cash right

now, you should consider Life Saver Loans HomeOwner.

The cash you receive from Life Saver Loans can be used for

any purpose. Imagine remodeling your home, paying off

credit card or other debt, making a down payment on a

vacation home or rental property, funding long term care

insurance, starting a new business, taking a dream

vacation, paying

for college, helping a favorite charity or simply spending the

money as you’d like to make your life more enjoyable. It is

totally up to you.

Most American homeowners have the majority of their

wealth tied up in their homes. Traditional investment advice

counsels against putting all of your eggs in one basket. Life

Saver Loans HomeOwner can be a smart way to diversify

your assets and give you some peace of mind.

“Life Saver Loans HomeOwner is a

godsend—it has allowed me to pay

down my debt and start an

education fund for my daughter.”

—Life Saver Loans

Client, Ron D., Daly

City, CA

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What kinds of properties qualify?

Life Saver Loans HomeOwner is available for single-family detached homes, townhomes and certain types of

condominiums. The home must be your principal residence, although some vacation properties may qualify.

And your home must be located in an area currently being served by Life Saver Loans.

What ’s the catch?

There is no catch. Clients sometimes ask how we are able to offer homeowners money with no monthly

payments for up to 30 years. Unlike banks or other lenders who look for short-term profits, our investors are

large pension funds and endowments who seek longer-term real estate investments. What this means to you

is immediate cash — without a payment until you decide to sell. Better yet, the cost of the money is paid for

by the appreciation, if any,

on your home.

Wills & Trusts

Life Saver Loans HomeOwner allows homeowners to hold title to the property in the name of trustees of a

revocable inter vivos family trust if all trustees sign the agreement. Whether you hold title to the property in

trust or in your own name, if Life Saver Loans HomeOwner is still in effect upon your (and your spouse ’s)

passing, your heirs are required to end Life Saver Loans HomeOwner by selling the home or by repurchasing

the agreement.

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Speak to a Life Saver Loans Program Specialist | 1.800.421.9216

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Think of Life Saver Loans HomeOwner as having

three stages: Start, During, and End.

Start During

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At the start of the Life Saver Loans HomeOwner

Agreement, we analyze your financial history by obtaining a

credit report and reviewing other information. If that meets

our criteria, the fair market value of your home is

established by getting an appraisal from an independent,

third-party appraisal firm. We call this the Original Agreed

Value. The appraisal also helps us determine the condition

of your property. We also typically require a property

inspection to verify

the condition.

You decide what our share of the future change in value will

be. Our share typically ranges from 20% to 70%. The

percentage is entirely up to you and will vary from situation

to situation. The larger the percentage you wish to share,

the more cash you can get from Life Saver Loans

HomeOwner.

Based on what we learn about your property and your

financial history, we determine if you meet all the qualifica-

tions for Life Saver Loans HomeOwner and, if so, how much

cash

we can offer you. We then present you with a written offer

detailing the terms and the amount of the Life Saver

Loans

cash payment.

You carefully review the terms and conditions of the offer

and decide if Life Saver Loans HomeOwner is right for you.

We urge you to review your Life Saver Loans HomeOwner

Agreement and

all of the information we provide with your legal, tax, estate

planning and financial advisors. If you have adult children

or other heirs, we urge you to talk with them as well. We want

you to be sure Life Saver Loans HomeOwner is right for

you. If you decide to proceed, we schedule a closing where

you sign your Life Saver Loans HomeOwner Agreement

documents, and then

you receive the cash payment.

During the term of the Life Saver Loans HomeOwner

Agreement,

you are free to use the cash payment as you wish. You make

no monthly payments to Life Saver Loans of any kind.

Simply live

in your home as you have, pay your mortgage, taxes and

insurance and maintain your home in good condition.

“Thanks to Life Saver Loans, I was able

to generate income by converting my

home equity into cash with no debt

and no monthly payments. Best of all,

Life Saver Loans allowed me to stay in

the home I love.”

—Life Saver Loans Client, Bev R.,

Moraga, CA

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End

The Life Saver Loans HomeOwner Agreement typically ends

when you decide to sell your home or when you and your

spouse both pass away. At the end of the Life Saver Loans

HomeOwner Agreement, we will typically receive a payment

that is based on the value of your home at that time. That

value, which

we call the Ending Agreed Value, is typically equal to the Sale

Price when you sell your home. The change in value of your

home during the term of the Life Saver Loans HomeOwner

Agreement is equal to the difference between the Ending

Agreed Value and the Original Agreed Value. Our return on

our investment is determined by the change in value of your

home.

Our return on our investment can be positive or negative.

If your home increases in value during the term of the Life

Saver Loans HomeOwner Agreement, we will make money

on our investment. If your home decreases in value during

the term of the Life Saver Loans HomeOwner Agreement,

we will typically lose money on our investment. The

maximum amount that

we can lose is the amount of our original investment, which

is the cash payment you received at the start.

Once we receive the amount payable to us at the end of

the Life Saver Loans HomeOwner Agreement, we no

longer hold an interest in your property, and the

agreement ends.

Life Saver Loans HomeOwner is

designed to be fair and minimize its

impact on the way you manage and live

in your home.

Basic Examples of the Life Saver Loans HomeOwner Agreement

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Start

Appraised Value of Your Home $500,000

Life Saver Loans’ Share of Future Change in

Value

40% Your Share of Future Change in Value 60%

Cash You Receive1

Example 1

The cost of Life Saver Loans HomeOwner depends on how

much the value of your home changes between the time

when you enter the agreement and when you eventually sell

your home or the agreement otherwise ends. The following

two examples show how much the payment to Life Saver

Loans would be under different price change scenarios. The

figures used are for the purpose of illustration only; the

terms offered in a specific agreement may be materially

different. Your actual Life Saver Loans HomeOwner terms will

be based upon the subject property, your credit history and

financial profile, and terms being offered at that time.

Please speak with a Life Saver Loans Program Specialist for

details.

$50,000

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Start

Appraised Value of Your Home $500,000

Life Saver Loans’ Share of Future Change in

Value

50%

Your Share of Future Change in Value

50%

Cash You Receive1

Example 2

You get a lump sum cash payment at the start and make no

payments to Life Saver Loans until you decide to sell your

home. If the value of your home remains unchanged, the

amount we receive typically equals the amount we invested,

so you benefit from the use of our money at no cost. If the

value of your home decreases, you benefit even more,

because we typically incur a loss on our investment, which

reduces your loss. If the value of your home increases, we

make a profit, and you do too.

$62,500

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The more you know the better you’ll

be at deciding if it is right for you and your family.

The following outlines some of the additional features of Life Saver Loans HomeOwner that you need to understand

so you can make a fully informed decision. We also urge you to speak with your financial advisors and family about

Life Saver Loans Home- Owner so they can participate in your decision.

Expenses You Pay When You Sell

Your Home

When you sell your home, you are responsible for paying all costs associated with the sale, including brokerage

commissions. You are also responsible for paying off your mortgage and any other liens you might have on your

home. Life Saver Loans HomeOwner has no impact on this — you would have to pay these costs with or without Life

Saver Loans HomeOwner. If the proceeds from the sale are not sufficient to pay all

of these costs, plus the amount payable to Life Saver Loans, you are

required to make up any difference.

Special Termination

Beginning on the third anniversary, you have the right

to end your Life Saver Loans HomeOwner Agreement without selling your home by requesting a Special Termination.

To do this, we obtain an appraisal from an independent third- party appraisal firm to determine the value of your

property. Typically, you will make a payment to Life Saver Loans equal to the amount Life Saver Loans originally

invested in your home plus

the profit, if any, Life Saver Loans would have made if you had sold your home for the appraised value. Upon

receiving the payment, the Life Saver Loans HomeOwner Agreement will end and Life Saver Loans will no longer

hold an interest in your property.

Remodeling Adjustment

Remodeling can increase both your enjoyment of your home and its value. Many of our clients use the cash from

their Life Saver Loans HomeOwner Agreement to pay for home improvements such as a bedroom addition or new

kitchen. If you remodel your home in accordance with the provisions of the Life Saver Loans HomeOwner

Agreement and any laws and permit requirements that apply, you can request that we make a Remodeling

Adjustment when performing the calculations to determine the amount payable to Life Saver Loans at the end of

the Life Saver Loans HomeOwner Agreement. This adjustment allocates 100% of the increase in your home ’s

value due to the remodeling to you at the end of the Life Saver Loans HomeOwner Agreement, so that Life

Saver Loans does not share in the increase in value attributable to your remodeling project in any way.

It is important to note that the cost of your remodeling project is not used to determine the amount of the

Remodeling Adjustment. It is based on the portion of

your home ’s value that is attributable to your remodeling project at the time you sell. Remodeling projects

frequently increase the value of your home by an amount that is substantially less than what the remodeling cost

you. For example, adding a new bedroom and bath may increase

the value of your home by 80% of the cost of the project. On the other hand, adding an in-ground pool might

only increase the value by 10% of its cost. An appraisal by a Life Saver Loans-approved independent third-party

appraisal firm determines the amount of the Remodeling Adjustment.

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Deferred Maintenance Adjustment During the term of the Life Saver Loans HomeOwner

Agreement, it is your responsibility to maintain your property in good condition, subject to normal wear-and-

tear. If you do not, when the agreement ends the value of your property will most likely be less than it would

have been if it had been properly maintained. When this is the case, a Deferred Maintenance Adjustment may

apply when calculating the amount due to us. Since the loss in value would be due to your failure to maintain

the property, the Deferred Maintenance Adjustment allocates all of the loss in value due to improper

maintenance to you, so that we do not share in it. For example, if you decide to sell your home 20 years after

entering into a Life Saver Loans HomeOwner Agreement and the value of the home is $30,000 less than it

should be due to extensive termite damage, we would have the right to make a Deferred Maintenance

Adjustment when calculating the amount payable to us. This adjustment would allocate the $30,000 loss in

value to you, since your action (or inaction) caused the loss in value, rather than market forces. The amount of

the Deferred Maintenance Adjustment is determined by one or more third-party appraisals, inspections or

repair estimates. Life Saver Loans is committed to a fair process to determine the appropriate adjustment.

Not Short-Term Financing

Life Saver Loans HomeOwner is not intended to be a source

of short- term financing, and we do not recommend it for

anyone who does not intend to remain in their home for at

least

three years. Life Saver Loans’s return on investment comes

only from appreciation on properties in which we invest.

Appreciation takes time. For this reason:

› Your right to request a Special Termination begins after

the third-year anniversary of your Life Saver Loans

HomeOwner Agreement.

› The Remodeling Adjustment is not available until after

the third-year anniversary of your Life Saver Loans

HomeOwner Agreement.

› If you sell your home during the first three years of the

Life Saver Loans HomeOwner Agreement and your home’s

value has declined, Life Saver Loans will not share in the

loss.

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“I was able to tap my home equity without the burden

of a monthly payment, and now I don’t have

to worry about all of that accruing interest.”

—Life Saver Loans Client, Bernie B., Novato, CA

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A Closer Look at Life Saver Loans HomeOwner

Getting Life Saver Loans HomeOwner is easy

Life Saver Loans HomeOwner puts you in control – you decide how much of the future change in value you want to share,

how to use the cash you receive, how to manage your home, and when your Life Saver Loans HomeOwner Agreement ends.

STEP 1

Pre-Qualifying &

Application

› Prequalifying is quick and easy. It can be done on our website (www.Life Saver Loans.com) or

with a brief phone call with a Life Saver Loans Program Specialist. The Program Specialist will

also answer any questions you have about Life Saver Loans HomeOwner.

› If you prequalify and choose to proceed, you can apply on our website or your Program

Specialist can provide you with an application. Your Program Specialist will be available to help

you with the application process. You will also receive a Life Saver Loans HomeOwner Program

Guide, which contains a detailed description of the program.

STEP 2

Education

› You will participate in the mandatory Life Saver Loans HomeOwner education process.

STEP 3

Processing,

Underwriting &

Approval

› We will begin processing your application and order an appraisal and a home inspection from

third-party providers.

› Upon approval, Life Saver Loans will provide you with an offer letter that will state the terms

and conditions of your Life Saver Loans HomeOwner Agreement and how much cash you

will receive. To proceed, you will sign and return the offer letter.

STEP 4

Closing

› We will arrange a closing in accordance with the customary practice in your area.

› At the closing, you will receive a final Closing Statement containing the exact dollar amounts

involved in the transaction. You will sign the closing documents.

› Life Saver Loans will review the signed documents, deposit the funds into an escrow account, and

instruct the closing services provider to close the transaction and release the funds to you.

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Life Saver Loans HomeOwner

Education

Education is not a “step” but is essential and

required for all of our clients. It is very impor

tant that you understand fully the terms and

conditions of the Life Saver Loans

HomeOwner Agreement. Education includes

reviewing the Life Saver Loans HomeOwner

Program Guide. It also includes multiple

conversations with a Life Saver Loans Program

Specialist.

All homeowners should speak with their

financial, tax, estate planning and legal advisors,

and family or other heirs, before obtaining a Life

Saver Loans HomeOwner Agreement. Your

Program Specialist will be happy to discuss Life

Saver Loans HomeOwner with them as well.

Qualifying

› In most cases you must occupy the home as

your primary residence and it must be located

in an area currently served by Life Saver

Loans. Some owner-occupied second homes

may qualify.

› In general, the home must be a single-family

residence, townhouse or condominium.

Some multi-family homes may qualify.

› Your home must be “typical” for the area in which

it is located, well maintained and not at greater-than-

average risk from natural or environmental hazards.

› You must have a financial history and credit

profile that meets our guidelines

› You must not have an excessive amount

of debt on your property.

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Contact us today to get any other of your questions answered and be on

your way to getting the money you need.

888-978-4705 or info@lifesaverloans.com

Life Saver Loans is an authorized representative of Unison all rights reserved.