GENESIS PROGRAM

Helping Australians realize the dream of owning a home.

1

ABOUT THE GENESIS PROGRAM

The Genesis Program is a Joint Venture between Instant Equity Group Pty Ltd and Australia premier Bulilders and Developers.

Whilst the program is about helping young couples to realize the “Dream "of owning their own home; The Genesis Program helps Investors as well as First Home Owners.

” Instant Equity Group makes home buying an effortless experience.” AnHFLWD�2. Bundaberg

Instant Equity Group Pty Ltd is a privately owned Australian Company specializing in property Investments.

With a wealth of Finance knowledge in the wholesale lending market with accreditation with all the major financial institutions. IEG works for you to get you into your new home in the quickest easiest way possible.

“If they can’t do it, it just cannot be done.” 'HQLVH�6��Ipswich

The Genesis Program is about providing a complete solution for our customers. The Genesis program will become a “One Stop Shop”

“IEG has made my home buying experience a dream come true” 6WHYHQ�3� &RRPHUD

We work directly with first home owners, adding value to their buying experience and a positive approach to their financial needs. We invests in our own culture, creating relationships that transcend transactions and promotes partnerships.

2

MISSION

Our goal is to HELP Australian families live the dream of buying their own property Working with a strategic “Practice Format” and a well-defined business framework, Instant Equity Group delivers results. Our concentrated efforts translate into Investment equity and growth.

WE ANALIZE EVERY INVESTEMENT BEFORE SUBMITTING IT TO OUR CLIENTS.

WHY INSTANT EQUITY GROUP

These are some of the reasons that make “Instant Equity Group” the ideal financial and property invstment partner.

•  We are specialists in our field; we work in a niche market, which means we have abetter understanding of our trade partners and clients requirements.

•  We are network driven and do not rely on a “hit or miss” approach. We work on thebasis of referrals and educating our clients.

•  The Quality of our work comes from the understanding of our client’s needs. We getto know our clients by fostering dialogue and constantly redefining follow-upmethodology.

•  We provide a turn key solution to our clients which promotes greater degree ofsatisfaction and referral.

•  Each client has a personal associate within IEG, our clients can expect to have theirneeds attended to 24/7 through our on hours and off hours staff.

•  We provide unparalleled service to all our clients.

3

PROGRAM HIGHLIGHTS:

Genesis means “The beginning”. The dream of owning a home is an aspiration all of us have and is one of the most important financial decisions an individual or a couple will make. A lot of us build our lives on a series of assumptions, with high hopes for predictable outcomes, and expectations of how things ‘might’ turn out. the Australian way of life that meant a good job, nice house, super for retirement, is becoming less of reality and more of an illusion.

Owning a First home or even getting you in the home market, for a lot of Australians is becoming close to impossible, especially in recent years with a declining economy and climbing property prices.

It seems that with the 21st Century a lot of dreams that most Australian held dear have been discarded by the wayside in the process of just making ends meet.

The Genesis Project aims to offer a cost effective and realistic approach for more Australians to enter the Home and Property market even during the hardest of economic times. The Genesis Program brings together leading Australian property development and building companies and Finance expert IEG to create the only truly viable.

“No Deposit-Pay as you go Finance Model.” *

• You don’t require a Guarantor•  100% Financing from a leading Financial Institution•  Genuine Savings not required•  Homes available in selected areas• Available for first home owners with FOHG Grant•  100% wholesale finance

* Some conditions may apply

4

SECTION 1

THE GENESIS PROGRAM

“NO DEPOSIT HOME LOANS"

No deposit home loans allow First Home Owners to borrow 100% of the construction price of their new home or unit. The Genesis Program is a sensible and fast way to home ownership.

“HOW DOES THE GENESIS PROGRAM WORK?”

Our program is based on 100% finance of the purchase price of your land and house package. Our interest rates are some of the best available in Australia and truly Wholesale Rates. IEG has access to direct wholesale finance. By loan aggregation we are able to offer more leverage to our prospective clients.

The Genesis Program allows for a fixed price turn key solution allowing first home owners a complete build and finance package.

The Program works very simply, we first educate and inform first home owners on how to enter the property market, we then qualify the buyer and organize finance at a 95% Loan ratio, we also organize Government Grant for First Time Home Buyers of $15,000.

,I�DW�WKLV�VWDJH�WKHUH�LV�D�VKRUW�IDOO�RI�IXQGV�,(*�ZLOO�PHHW�WKLV�VKRUWIDOO�“We invest in our clients.”

The Genesis Program is about helping first home owners to get into the property market by a unique way of financing and contributing to home ownership throughout Australia.

INSTANT EQUITY GROUP ),1$1&,$/�,16,'(�75$&.

IEG provides an in-depth knowledge of the financial market��OHQGLQJ�LQVWLWXWLRQV and products��:H�KDYH�DQ�LQ�KRXVH�ILQDQFLDO�VWDII�WKDW�IDFLOLWDWHV�WKH�OHQGLQJ�SURFHVV�DQG�LQVXUHV�VXFFHVV�IRU�PRVW�DSSOLFDQWV�RI�WKH�*HQHVLV�3URJUDP�

IEG offers several types of wholesale loan packages and options such as:

•  Introductory Rate / Honeymoon Loans•  Professional Packages•  Low-doc Loans•  Non-conforming Loans•  Bridging Loans•  Line Of Credit/Equity Line•  Reverse Mortgages

5

,19(67,1*�,1�285�&/,(176

$W�,(*�:H�DUH�FRPPLWWHG�WR�RXU�FOLHQWV�ZHOO�EHLQJ�DQG�ILQDQFLDO�VXFFHVV�:H�ZDQW�RXU�FOLHQWV�WR�HQMR\�WKH�EHQHILFWV�LI�KRPH�RZQHUVKLS�DQG�JHW�WKHP�LQWR�WKHLU�1HZ�+RPH�DV�VRRQ�DV�SRVVLEOH��:H�SXW�RXU�PRQH\�EHKLQG�RXU�SURPLVHV��:H�ZLOO�RIIHU�XS�WR������������LQFHQWLYH�WR�EH�XVHG�DV�D�GHSRVLW�WRZDUGV�WKH�SXUFKDVH�RI�WKHLU�1HZ�+RPH�RQFH�WKH\�EHFRPH�DQ�,(*�FXVWRPHU��7KDW�DORQJ�ZLWK�WKH�)LUVW�+RPH�%X\HU�JUDQW�RI����������LQ�WKH�6WDWH�RI�4XHHQVODQG��ZLOO�WRWDO�WR�D���������GHSRVLW�WR�SXW�WRZDUGV�WKH�SXUFKDVH�RI�WKHLU�QHZ�+RPH��

IEG offers value comparative studies and updates on SURSHUW\�WUHQGV�WR�DOO�WKHLU�FOLHQWV that increase worth�DQG�SURYLGHV�VDIHJXDUGV by way of taxation benefits and government allowances.

IEG also specializes in the value assessment of added measures put in place for the construction of energy-efficient homes.�2XU�EXOLGHUV�DUH�VHQVLWLYH�DQG�SURDFWLYH�ZKHQ�LW�FRPHV�WR�HQHUJ\�VDYLQJ�PHDVXUHV� �:H�XQGHUVWDQG�WKH�YDOXH�RI�HIILFLHQW�KRXVLQJ�DQG�WKH�SDUW�LW�SOD\V�LQ�WKH�YDOXDWLRQ�SURFHVV�

MARKET MONITORING AND FORECASTING

IEG brings together experts in the Property Finance and Marketing field as well as skilled Economic forecasters that help mitigate the risk factor in the building and home developing process. For you the Home Owner means you will accrue equity from the time you sign your new Home Contract.

IEG helps forecast housing and economic trends, survey research and analysis of the home building industry and consumer preferences as well as create microeconomic analysis of government policies that affect housing.

IEG studies the development and implementation of innovative business models created by the company associates to measures the local economic impact and fiscal cost of new home construction. We make sure that yours is the right choice when it comes to purchasing property.

“They do all the work for you so you can rest assure you have made the best possible investment.” David, Brisbane

6

ADVANTAGES FOR THE HOME BUYER

Whether you’re a seasoned investor or a first home buyer, you need a financial partner that can deliver the right loan in the fastest time frame.

IEG works with both client and builder, offering a comprehensive range of home loan products and a range of home loan services. This includes advice on product selection based on your needs and circumstances: from the application process, to settlement and post - settlement support services.

With IEG your application is managed by someone that is easily accessible and involved in the decision making process. This means a personalised, tailored home loan facility right from start to finish. Delivering some of the most competitive and innovative mortgage products on the market and taking advantage of information on new developments before they hit the market, are some of the reasons why IEG is the best choice when buying and financing your new home.

The end result for you the Home Owner is competitive, innovative, secure and accessible home financing solutions with genuine, personalised service and a great property that will increase your Wealth and Equity.

The Big winner here is you: get into your own home sooner without wasting more money on rent. Through the Genesis Program the qualification process is quick and easy in involves some simple basic steps and procedures:

•  A consultation with a Genesis Project associate.•  A simple application process. You can fill our easy IEG credit form on line.•  Ability to make the monthly payments.

To get started visit www.instantequitygroup.com.au and go to Genesis Program under IEG Works. 7KHQ�ILOO�RXW�WKH�HDV\�,(*�FUHGLW�)RUP�

7

THE ESSENTIALS:

1 .  9�% Bank loan

2 .  $15,000 Government Grant

3.

4. "

5. "

IEG Finance top up capital����������

6HOHFWLRQ of property

Land selection. ( subject to lenders approval)

6. Australia Lowest Home Loan Rate from �.�� %

8

�FHUWDLQ�FRQGLWLRQV�DSSO\

SECTION 3

RISK FACTORS

There are general risks associated with any investment. There are a number of factors which buyers should consider before they make a decision whether or not to apply for a home loan. The following is not intended to be an exhaustive list of the risk factors but a general overview.

IEG will be happy to help you find the right legal representative for you when the time comes and you need some one.

GENERAL RISK FACTORS

1 .  Economic General economic conditions, introduction of tax reform, new legislation, movements in interest and inflation rates and currency exchange rates may have an adverse effect on the Loan offered, development and availability of stock and building activities, as well as the company ability to fund.

2 .  Regulatory The operations and proposed activities of IEG and its partners are subject to Federal laws and regulations concerning the inherent industry environment. It is the Company’s intention to conduct its activities to the highest standard, including compliance with all governing laws. Changes in relevant taxes, legal and administration regimes, accounting practice and government policies may adversely affect the financial performance of the Company.

3 .  Insurance The company intends to insure its operations in accordance with industry practice. However, in certain circumstances, the company insurance may not be of a nature or level to provide adequate insurance cover. The occurrence of an event that is not covered or fully covered by insurance could have a material adverse effect on the business, financial condition and results of the Company.

VALUATION Property valuation is an essential part of the Home Loan application process. Several factors are taken into account when valuing your property. Valuations are used to determine the security value of a property being offered to secure a Home Loan. A valuation needs to be carried out when you borrow to buy a new property, when refinancing, or when you want to access the equity in your home.

9

CONT. We will consider a number of factors to determine the type of property valuation required. In most cases, a licensed property valuer will be brought in to complete a valuation on our behalf. To assess a property’s value, a valuer will measure the property, record details on the number and type of rooms, along with fixtures, fittings and any improvements. A property’s unique attributes will also be taken into account, such as:

1 . "2 . "3 . "4 . "5 . "6 . "

Location Building structure and its condition Building/structural faults Standard of presentation and fit-out Access, e.g., good vehicle access and a garage Planning restrictions and local council zoning

The valuer combines these attributes together with recent comparable sales in the surrounding area and prevailing market conditions to produce a valuation report. Valuations should not be confused with appraisals carried out by real estate agents. A licensed valuer must base their opinion on hard evidence and take legal responsibility for any information they provide. Estate agents are acting for the vendor and are rewarded for getting the highest price for a property. Also keep in mind that the cost to build a property or the asking price doesn’t necessarily equate to value. It is easy to over-capitalize in real estate or be drawn in by a seller who is pitching their property above the market price. As part of the application process, IEG will advise you if and when your property requires a valuation.

10