I n v e s t i n g I n t h e P a c i f i c S o u t h w e s t W i t h A g o r a ' s A s s o c i a t e s & F r i e n d s

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I n v e s t i n g I n t h e P a c i f i c S o u t h w e s t W i t h A g o r a ' s A s s o c i a t e s & F r i e n d s Nicaragua is virtually unknown to most people and usually misunderstood, which is why forward-thinking investors can find some of the best real estate deals on Earth in this country. MSN Money w w w. R A N C H O S A N T A N A. c o m

R a n c h o S a n t a n a 2 Rancho Santana is simply stunning. Forbes 2009 Retirement Guide

R a n c h o S a n t a n a 3 About Rancho Santana Rancho Santana is a nearly 3000 acre beachfront community located on the Southern Pacific Coasts of Nicaragua. With underground power, a filtered and chlorinated water system, wireless internet system, cell phone service from both major providers, a full service restaurant and bar, two community swimming pools, tennis court, community store and riding stables Rancho Santana is by far one of (if not the furthest) along developments in Nicaragua. We re not promising to deliver any of these things, WE ALREADY HAVE DELIVERED THEM ALL!!! Rancho Santana Property Owners have enjoyed some staggering appreciation over the past five years. Rental occupancy rates have increased each year as tourism continues to boom here in Nicaragua (up 60% from five years ago). Although no one can guarantee what the future will hold, the anticipated growth in rental opportunity coupled with the attractive financing offered at Rancho Santana (see page 15) offers some unique investment opportunities. Tola-Rivas, Nicaragua www.ranchosantana.com US Office 530-587-4929

R a n c h o S a n t a n a 4 Getting to Nicaragua We recommend flying into Managua International Airport (MGA). If you can find direct flights from your departure airport to Liberia, Costa Rica this is a great option as well and we can help facilitate (some additional transportation & expediting fees apply) the border crossing. From these airports our Drivers can have you at the ranch in 2.5 hours all without ever having to get out of the car. Direct flights into Managua, Nicaragua from: Miami, Florida Houston, Texas Atlanta, Georgia American Airlines Continental Airlines Delta Direct flights into Liberia, Costa Rica from: 2.5hrs 3.0hrs 3.5hrs Miami, Florida American Airlines 2.5hrs Houston, Texas Dallas, Texas Atlanta, Georgia Charlotte, N. Carolina Chicago, Illinois Newark, New Jersey Continental Airlines American Airlines Delta U.S. Airways United Airlines Continental Airlines 3.5hrs 3.5hrs 4hrs 4hrs 5hrs 5hrs Property Owners have enjoyed some staggering appreciation over the past five years.

R a n c h o S a n t a n a 5 Chicago Newark Pan American Highway Managua, Nicaragua Rancho Santana Denver Las Vegas Dallas Houston Baltimore Charlotte Atlanta Miami Liberia Airport Costa Rica Mexico City Pacific Ocean Managua, Nicaragua Liberia,Costa Rica Miami to Managua, Nicaragua / Liberia Houston/Atlanta to Managua, Nicaragua / Liberia Charlotte to Managua, Nicaragua / Liberia Chicago to Managua, Nicaragua / Liberia Newark to Managua, Nicaragua / Liberia Flight time Denver to Rancho Santana 2.5hrs 3.5hrs 4hrs 5hrs 5hrs 0 hrs. 2 4 Drive the PanAmerican Highway 2450 Miles Tola-Rivas, Nicaragua www.ranchosantana.com US Office 530-587-4929

R a n c h o S a n t a n a 6 Rental occupancy rates have increased as tourism continues to boom here in Nicaragua.

R a n c h o S a n t a n a 7 The Neighborhoods at Rancho Santana There are several styles of living for you to choose from in Rancho Santana s 2,700-acres. From tastefully designed oceanfront villas that rest just a short stroll away from the main clubhouse facilities, to estate lots several acres in size where homeowners have built compounds for family and friends. The labor costs are significantly lower here, which allows owners to build quality homes of their dreams without financially draining themselves. There are currently 65 homes and casitas and 24 condominiums at Rancho Santana. Home site prices range from $47,500 to $425,000 depending upon size, location and view. For detailed pricing info please email us your phone number and we would be happy to give you a call and walk you through all the different neighborhoods and pricing to find what might be the best fit for you. Email your name and phone number to Marc Brown: marcb@ranchosantana.com * Larger map on pg.18 Tola-Rivas, Nicaragua www.ranchosantana.com US Office 530-587-4929

R a n c h o S a n t a n a 8 Combining luxury and comfort with convenience and affordability

R a n c h o S a n t a n a 9 Amenities at Rancho Santana 600+ Acres of wilderness Nature Trails for Hiking Horseback Riding on the Beach or Hills Boating in nearby Villages Mountain Biking Massages Helicopter Pad Cell Phone Tower Satellite TV Stables and Paddocks La Finca y El Mar Restaurant & Bar High Speed Internet Surf Casting Surfing Lessons Tennis Court Medical Clinic Property Management Rental Program Underground Utilities Plus, The Old Stable Market Grocery Store Gift Shop Wine and Cigar Shop Santana Beach Spa Health and Fitness Center Exercise Room Massage Therapy Facials Manicures Pedicures COMING SOON FOR YOUR FUTURE ENJOYMENT! Additional Pools Additional Nature Trails 2012 Home Owner Fees: Annual Home Owner Fees: $1,820.00 Tola-Rivas, Nicaragua www.ranchosantana.com US Office 530-587-4929

R a n c h o S a n t a n a 1 0 Nicaragua s beaches are among the finest in the Americas, and among the least developed. The New York Times

R a n c h o S a n t a n a 1 1 Rancho Santana Property & Rental Services The cornerstone in making your real estate investment work for you is reliable, honest and professional property management. The staff at Rancho Santana Vacation Rentals and Property Management understands this and has over 20 years experience with both property management and rental marketing. Rancho Santana Vacation Rentals and Property Management is a hands-on team of professionals who are dedicated to providing excellent service to both the Home Owner and the Rental Client. At Rancho Santana, we take your investment seriously. MANAGEMENT SERVICES Property inspections Supervise all maintenance and repairs Payment of all utilities and services Stocking of all supplies Monthly statements Email for fast and easy communication VISA/MASTERCARD accepted for easy payment LEASING SERVICES Perform move-in/move-out property inspections Collect deposits and rental payments Provide free advertising on the Internet and local periodicals Forward monthly detailed statements Leasing agent available 7 days per week 24 hour emergency service Supervise all maintenance and repairs MAINTENANCE Rancho Santana Vacation Rentals and Property Management provides a staff of qualified tradesmen to handle all your property s maintenance needs: Plumbing, Electrical, Garden Care, Pool Cleaning. Tola-Rivas, Nicaragua www.ranchosantana.com US Office 530-587-4929

R a n c h o S a n t a n a 1 2 Using your IRA or 401(k) to Invest In Foreign Real Estate You can invest in many types of real estate with your retirement funds Raw Land Single Family Home Condominiums Foreign Real Estate To find out more about how to take advantage of this opportunity to get money working for you outside of the U.S. contact Josh N. Bennett below. Josh N. Bennett, Esq. Josh N. Bennett, Esq., PA 440 North Andrews Avenue Fort Lauderdale, Florida 33301 Office: 954-779-1661 Fax: 954-767-9989 Mobile: 786-202-5674

R a n c h o S a n t a n a 1 3 Tola-Rivas, Nicaragua www.ranchosantana.com US Office 530-587-4929

R a n c h o S a n t a n a 1 4 Rancho Santana offers some unique investment opportunities.

R a n c h o S a n t a n a 1 5 Financing Options at Rancho Santana Not only are we pleased to offer the opportunity to invest in one of the fastest growing emerging real estate markets of the past five years, we are also offering the ability to do it with borrowed money. With the credit markets as tight as they are, this is a rare opportunity. Financing Terms Available Term Rate Down 3 years 5.9% 25% 7 years 6.5% 30% 10 years 6.5% 30% The 7 year term financing is amortized over 15 years with a balloon payment at the end of the 7th year. Title will be transferred after last payment is made. Closing Fees: Approximately 3.5% Tola-Rivas, Nicaragua www.ranchosantana.com US Office 530-587-4929

R a n c h o S a n t a n a 1 6 Title Insurance Rancho Santana has a Master Policy through First American Title Insurance. Once an individual purchases a property they can obtain an individual policy for their property. Steps to obtain a policy here at Rancho Santana: â Fill out the necessary forms from First American â We can help you hire a First American pre-approved attorney to provide you and First American with a title opinion. First American will provide you with a Commitment Letter based on this document. The fee for the Title Opinion is $250 $500. â The cost for a policy is $1,500 for up to $300,000 of coverage. First American Title Insurance Contact: Eduardo Sánchez-Garcia Real Sales Manager International Division Americas South Office: (52) 984-803-1404 Mobile: (521) 55-1333-6825 esanchez@firstam.com www.firstam.com.mx

R a n c h o S a n t a n a 1 7 Rancho Santana Building Services Program Rancho Santana s Building Services Program has been designed to make building ones dream home here at Rancho Santana as easy and stress free as possible. We can help: â Schedule soil tests (including lab work) â Schedule topographical studies â Help with the selection of an Architect or floor plan â Assist in the architectural design process â Help with the selection of a General Contractor â Work with you through the bidding process; help you achieve the lowest price and contractual protection. â Receive approval from Rancho Santana s Architectural Review Committee. â Facilitating permitting from the local municipality â Be on the building site to assure quality and progress â Provide Homeowner with videos, pictures and a complete monthly construction reports. The fee is now 9.5% of hard building costs. To find out more about the benefits of this program contact: Roy Kruiswyk Rancho Santana Building Services Program Phone: 011 (505) 8670 7282 roy@ranchosantana.com Tola-Rivas, Nicaragua www.ranchosantana.com US Office 530-587-4929

R a n c h o S a n t a n a 1 8 Master Plan

R a n c h o S a n t a n a 1 9 Lots: Los Perros Tola-Rivas, Nicaragua www.ranchosantana.com US Office 530-587-4929

R a n c h o S a n t a n a 2 0 Lots: The Estates

R a n c h o S a n t a n a 2 1 Lots: Alta Vista Tola-Rivas, Nicaragua www.ranchosantana.com US Office 530-587-4929

R a n c h o S a n t a n a 2 2 Lots: Bella Vista

R a n c h o S a n t a n a 2 3 Lots: The Playas Tola-Rivas, Nicaragua www.ranchosantana.com US Office 530-587-4929

Tola-Rivas, Nicaragua www.ranchosantana.com 530-587-4929