MJD Business Plan Highlights

Investment ExcellenceInvestment Excellence

Why Real Estate now?Why Real Estate now?

For Real Estate Investors who are knowledgeable about For Real Estate Investors who are knowledgeable about market trends, fluctuations and the opportunities they create market trends, fluctuations and the opportunities they create buying distressed assets can be a very profitable business. buying distressed assets can be a very profitable business. The current state of the Real Estate industry and oversupply The current state of the Real Estate industry and oversupply situation has combined to make a particularly favorable situation has combined to make a particularly favorable opportunity for such investors in the commercial, industrial opportunity for such investors in the commercial, industrial and residential industries. Savvy investors can now purchase and residential industries. Savvy investors can now purchase otherwise healthy projects from capital-constrained and over-otherwise healthy projects from capital-constrained and over-leveraged sellers at substantial discounts. MJD Enterprise leveraged sellers at substantial discounts. MJD Enterprise Incorporated (also referred to as “MJD”) intends on Incorporated (also referred to as “MJD”) intends on purchasing, renovating and reselling foreclosed and REO purchasing, renovating and reselling foreclosed and REO properties in the Central Florida Area. The company has properties in the Central Florida Area. The company has begun this process with its first 4 projects due to close during begun this process with its first 4 projects due to close during the month of February. MJD is seeking funding to complete the month of February. MJD is seeking funding to complete these projects and purchase and additional 15-20 properties these projects and purchase and additional 15-20 properties total for its first year of operations, 2011. total for its first year of operations, 2011.

Why Central Florida?Why Central Florida?

Many analysts believe that the nationwide housing crisis has peaked Many analysts believe that the nationwide housing crisis has peaked and, in fact, has shown signs of the beginning of a recovery. and, in fact, has shown signs of the beginning of a recovery. Research by the Orlando Regional Realtor Association (ORRA) Research by the Orlando Regional Realtor Association (ORRA) supports claims of Real Estate market recovery. In January 2011, supports claims of Real Estate market recovery. In January 2011, ORRA reported that the median sales price of all homes sold in the ORRA reported that the median sales price of all homes sold in the Orlando area increased to $106,000 in December from the $105,000 Orlando area increased to $106,000 in December from the $105,000 median price that had held steady since September. Also, according median price that had held steady since September. Also, according to ORRA, the median price for bank-owned sales is $75,000 and the to ORRA, the median price for bank-owned sales is $75,000 and the median price for short sales is $100,000. However, the median price median price for short sales is $100,000. However, the median price for “normal” existing homes – i.e., those that are neither a short sale for “normal” existing homes – i.e., those that are neither a short sale nor a foreclosure – sold in December is $160,000. ORRA further nor a foreclosure – sold in December is $160,000. ORRA further reports that the current median price is 6.11 percent above the reports that the current median price is 6.11 percent above the $99,900 median price recorded in August 2010 (the year’s lowest). $99,900 median price recorded in August 2010 (the year’s lowest). MJD will operate in the regions of Central Florida which have been MJD will operate in the regions of Central Florida which have been particularly hard hit by the downturn. According to the US Census, the particularly hard hit by the downturn. According to the US Census, the four counties in which MJD will mainly operate – Orange, Seminole, four counties in which MJD will mainly operate – Orange, Seminole, Volusia, Osceola – have a combined population of more than 2.3 Volusia, Osceola – have a combined population of more than 2.3 million with over 1 million housing units and an ownership rate of 70% million with over 1 million housing units and an ownership rate of 70% which is 4% higher than the rest of the nation. In addition, in October which is 4% higher than the rest of the nation. In addition, in October of 2010, the Florida Association of Realtors reported the following 9 of 2010, the Florida Association of Realtors reported the following 9 (of 15 total) market positives: (of 15 total) market positives:

Great PricesGreat Prices

Statewide, home prices have fallen about 20 Statewide, home prices have fallen about 20 percent in the past year. Florida Association of percent in the past year. Florida Association of Realtors® statistics show the existing-home Realtors® statistics show the existing-home median sales price was $185,400 in the third median sales price was $185,400 in the third quarter of 2008, compared with $233,200 in third quarter of 2008, compared with $233,200 in third quarter 2007. By the way, those numbers are quarter 2007. By the way, those numbers are still significantly higher than in the early years of still significantly higher than in the early years of the decade. In 2003, the third-quarter sales price the decade. In 2003, the third-quarter sales price was $163,700, which reflects an increase of was $163,700, which reflects an increase of about 13.3 percent over the five-year period. about 13.3 percent over the five-year period. (The median is a typical market price where half (The median is a typical market price where half the homes sold for more, half for less.) the homes sold for more, half for less.)

Time is RightTime is Right

Home sales volumes are rising again -- a Home sales volumes are rising again -- a signal that the market recovery may be signal that the market recovery may be underway. In third quarter 2008, statewide underway. In third quarter 2008, statewide sales of existing single-family homes were sales of existing single-family homes were up 5 percent compared to the same period up 5 percent compared to the same period last year, according to FAR statistics. last year, according to FAR statistics.

High Inventory LevelsHigh Inventory Levels

Conditions are ideal for buyers to find their Conditions are ideal for buyers to find their dream home. Inventory is plentiful in all dream home. Inventory is plentiful in all price ranges. But as sales volumes price ranges. But as sales volumes increase, inventory levels are likely to increase, inventory levels are likely to shrink. That reality translates into this shrink. That reality translates into this advice for buyers: Don't wait too long.advice for buyers: Don't wait too long.

Low Mortgage RatesLow Mortgage Rates

Mortgage rates are still at the lowest levels since Mortgage rates are still at the lowest levels since the 1960s. Lower rates multiply a buyer's the 1960s. Lower rates multiply a buyer's financial power. Even half a percent can make a financial power. Even half a percent can make a sizeable difference. For example, on a $200,000 sizeable difference. For example, on a $200,000 home, half of 1 percent could save the home, half of 1 percent could save the homeowner about $815 a year. Buyers can get homeowner about $815 a year. Buyers can get more home for the money, which is a perfect more home for the money, which is a perfect scenario for families looking to upsize.scenario for families looking to upsize.

A long-term-growth rateA long-term-growth rate

Long-term economic and demographic trends continue Long-term economic and demographic trends continue to favor Florida. By 2010, economists forecast that to favor Florida. By 2010, economists forecast that Florida will be the third-most-populated state in the Florida will be the third-most-populated state in the country. Florida has been one of the 10-fastest-growing country. Florida has been one of the 10-fastest-growing states in the U.S. for each of the past seven decades, states in the U.S. for each of the past seven decades, and often the state has been in the top four, according to and often the state has been in the top four, according to Census data. Population growth will continue to provide Census data. Population growth will continue to provide a foundation for other economic development, such as a foundation for other economic development, such as new jobs and growing incomes. All of these trends are new jobs and growing incomes. All of these trends are positive indicators for real estate growth.positive indicators for real estate growth.

A migration magnetA migration magnet

Even with a slowdown in economic growth Even with a slowdown in economic growth nationally, projections call for Florida's nationally, projections call for Florida's population to return to more normal growth population to return to more normal growth levels of about 317,000 a year between 2010 levels of about 317,000 a year between 2010 and 2020, similar to the 1980s and 1990s, said and 2020, similar to the 1980s and 1990s, said Stan Smith, director of the Stan Smith, director of the University of FloridaUniversity of Florida's 's Bureau of Economic and Business Research. Bureau of Economic and Business Research. That's a lot of new buyers coming into the That's a lot of new buyers coming into the market.market.

A favored retirement destinationA favored retirement destination

Over the long term, Florida stands to Over the long term, Florida stands to benefit from the migration of the aging benefit from the migration of the aging Baby Boomer generation, roughly 80 Baby Boomer generation, roughly 80 million strong. Demographic studies show million strong. Demographic studies show that the Sunshine State's mild climate and that the Sunshine State's mild climate and outdoor amenities continue to make outdoor amenities continue to make Florida a favorite retirement destination.Florida a favorite retirement destination.

A diverse economyA diverse economy

Florida's economy, like the rest of the nation, is impacted Florida's economy, like the rest of the nation, is impacted by the recession. Some business sectors, though, by the recession. Some business sectors, though, appear promising for the Florida economy. The appear promising for the Florida economy. The healthcare and technology sectors are quickly becoming healthcare and technology sectors are quickly becoming an important economic force in South and Central an important economic force in South and Central Florida. The Milken Institute/Greenstreet Real Estate Florida. The Milken Institute/Greenstreet Real Estate Partners ranked five Florida communities on its "Best Partners ranked five Florida communities on its "Best Performing Cities Index 2008," which ranks U.S. Performing Cities Index 2008," which ranks U.S. metropolitan areas by how well they are creating and metropolitan areas by how well they are creating and sustaining jobs and economic growth. Florida's business sustaining jobs and economic growth. Florida's business climate ranked fourth among executives and sixth overall climate ranked fourth among executives and sixth overall on Site Selection magazine's 2008 Top State Business on Site Selection magazine's 2008 Top State Business Climate rankings.Climate rankings.

Investment outlookInvestment outlook

Every quarter, the University of Florida's Bergstrom Every quarter, the University of Florida's Bergstrom Center for Real Estate Studies conducts a survey of Center for Real Estate Studies conducts a survey of industry executives, market research economists, real industry executives, market research economists, real estate scholars and other experts. In the fourth quarter estate scholars and other experts. In the fourth quarter 2008 survey, the investment outlook for various types of 2008 survey, the investment outlook for various types of Florida properties declined from the third quarter of Florida properties declined from the third quarter of 2008, although it is noted that the investment outlook 2008, although it is noted that the investment outlook remains higher than it was at times in 2006 and 2007. remains higher than it was at times in 2006 and 2007. "We have 40 pages of comments from our respondents, "We have 40 pages of comments from our respondents, and although the dominant theme is the disruption of and although the dominant theme is the disruption of financing, perhaps the second theme, as one person put financing, perhaps the second theme, as one person put it, is people being on the sidelines with full pads and it, is people being on the sidelines with full pads and helmets just waiting to jump back in," says Director Dr. helmets just waiting to jump back in," says Director Dr. Wayne Archer, when referencing the 2008 third quarter Wayne Archer, when referencing the 2008 third quarter results.results.

About MJD Enterprise, Inc

About MJD Enterprise, Inc

MJD Enterprise Inc is a start-up company initially formed to meet the growing need for restored homes in Central Florida but with a vision and a plan to gradually merge into a more diverse portfolio of Real Estate Investments.  The company is initially focused on purchasing, renovating and reselling distressed Single Family Homes in affluent, well-established neighborhoods, located nearby downtown areas and other areas with a higher than average income per capita. MJD is currently in the process of purchasing its first 4 homes all within the next 30 days.

Ownership GroupOwnership Group

Ownership Group

Oversight of renovations are spearheaded by two of the founders/owners, Anna Dyer and Janet Mudd, both of whom possess over 25 years of combined experience in home renovations and real estate investments, and both of whom have graduated from Architecture and Building Surveying as well as Building Construction and Land Development respectively. MJD's third owner/founder, Mario Jimenez, is a former IRS Collections Representative with over 10 years of experience in the financial services industry and its federal regulatory bodies. Mr. Jimenez handles most of new properties’ research and evaluations. MJD's ownership is a well-rounded group with diverse but complimenting backgrounds which has been key to the company's fast start and early success.

Mission StatementMission Statement

The mission of MJD is to develop unique The mission of MJD is to develop unique Real Estate properties and improve the Real Estate properties and improve the look and financial viability of its look and financial viability of its communities by offering safe, efficient and communities by offering safe, efficient and appealing properties to discriminating appealing properties to discriminating buyers/tenants who are willing to pay more buyers/tenants who are willing to pay more for a top quality property. MJD seeks to be for a top quality property. MJD seeks to be viewed as a highly visible company in the viewed as a highly visible company in the property development market.property development market.

Investors Funding OverviewInvestors Funding Overview

MJD Enterprise Inc will not immediately offer its MJD Enterprise Inc will not immediately offer its investors company shares. Instead, MJD will offer its investors company shares. Instead, MJD will offer its investors a Monthly Compounding APY on their investors a Monthly Compounding APY on their Investment. Similarly to Certificates of Deposit Accounts, Investment. Similarly to Certificates of Deposit Accounts, but with significantly higher Rate of Returns in relatively but with significantly higher Rate of Returns in relatively shorter terms, the Investor chooses what amount to shorter terms, the Investor chooses what amount to invest and for how long. The minimum term available invest and for how long. The minimum term available will be 6 months with the maximum term set at 24 will be 6 months with the maximum term set at 24 months. The Annual Percentage Yield (APY) will pay at a months. The Annual Percentage Yield (APY) will pay at a monthly compounding rate of 8% for investments with monthly compounding rate of 8% for investments with less than 12 months maturity period and 9% for less than 12 months maturity period and 9% for investments with more than 12 months term length. As investments with more than 12 months term length. As opposed to CDs, however, MJD will not offer its opposed to CDs, however, MJD will not offer its investors monthly nor quarterly payouts. All payouts will investors monthly nor quarterly payouts. All payouts will be made upon investment maturity. be made upon investment maturity.

Use of FundingUse of Funding

ExampleExample$25,000 Investment

Contact InfoContact InfoAnna DyerAnna [email protected]@mjdenterprise.com

Janet MuddJanet Mudd VP/TreasurerVP/Treasurer [email protected]@mjdenterprise.com

Mario JimenezMario JimenezVP/SecretaryVP/[email protected]@mjdenterprise.com