It is said that the typical investor allows two emotions to dictate their investment decisions: fear and greed. Fear keeps investors out of markets when they ought to be buying, and greed keeps them in assets a wise investor would have long since exited. Fear and greed have no place in a successful investor's deliberations, and they certainly have no place in ours.

At True Life Financial, we see ourselves as a haven for the contrarian investor – for the person who avoids the "herd mentality" at all costs. We provide a wide range of services for this individual, from educational events to networking opportunities.

We are building a community of investors determined to focus on the significant opportunities available today. For more information, contact us at partnerrelations@truelifecommunities.com

Opportunity Knocking

True Life Communities is actively acquiring residential subdivisions throughout California. Although acquisitions were difficult in 2008 and 2009, the buying window officially opened for us in 2010. Catching the buying window as it opened, True Life Communities acquired or entered joint ventures in 7 developments since February of 2010. Listed below are brief descriptions of the communities that have been acquired or are in due diligence for acquisition. For more detailed information regarding our partnership opportunities, contact Joe Fraser.

Current Communities in Development:

Edgemont, El Sobrante
True Life Communities acquired the development in February of 2010. The community is an infill neighborhood made up of 32 finished, single family lots, located in El Sobrante, California. Common area amenities include a large landscaped park setting, planned for barbecues, a tot lot and passive viewing area. A number of the 32 single family detached homes will have valley views to the south. New home construction is scheduled to begin in 2012, and this will be the only new home community actively selling in the El Sobrante area.

Sancerre Park, Pleasant Hill
Sancerre Park is comprised of 9 single family homes located in Pleasant Hill, California. These nine lots represent the only remaining, un-built subdivision within the Pleasant Hill/Lafayette communities. The home sizes will range from 2,358 sf to 3,540 sf. The land acquisition, vertical, and horizontal construction debt is being provided by our Joint Venture partner. This community will reside within the rolling hills of Pleasant Hill, in a very desirable location, with great schools, access to nearby employment centers, and within 35 miles of San Francisco. New home construction is scheduled to begin in 2012.

Vineyards at Miderios Place, Pleasanton
The Vineyards at Miderios Place features 10 approved Planned Development lots located in Pleasanton, California. True Life Communities is acquiring these 10 lots and will complete final processing of the site improvements before onset of vertical construction. The 10 Townhomes will be an infill project and will be priced in the mid $500,000's, with construction projected to begin in 2012.

Silver Oaks, Pleasanton
Silver Oaks is a small enclave of 9 estate home sites within the rural hillsides of the city of Pleasanton, California. True Life Communities has formed a joint venture with the land owner to acquire the remaining unsold 5 lots which feature views of the Livermore Valley. The community is a collection of semi-custom finished lots and the proposed homes will have an average square footage of 3900. True Life Communities has secured the construction financing and funded the lots and vertical construction. We anticipate building and selling out this neighborhood in 12 to 18 months.

Recently Funded Transactions

High Point, Escondido
Nestled high in the mountains, High Point is a gated enclave of 36 semi-custom home sites located 3 miles east of downtown Escondido, and 14.5 miles north of San Diego, just off Interstate 15. Lots range along a cascading ridgeline and feature expansive views of neighboring mountains, cradled valleys, and even ocean views. The community will feature a collection of luxury single-family homes with considerable attention to detail, abundant glass to enhance the views, and modern designs that complement the surrounding natural terrain and natural rock formations. Lots vary in size from 1.7 to 93 acres with building pads averaging approximately 20,000 square feet.

Woodlands, Fair Oaks
Woodlands is an infill community made up of 10 nearly finished single family lots, located in Fair Oaks, California, a highly desirable suburb of Sacramento. These large lots spread out over 5 acres of gently sloping and oak tree covered land, with home sites ranging from 11,000 square feet to over 1 acre. Convenient connections between highway 50 to the South and Interstate 80 to the North are possible due to the community's close proximity to Sunrise Boulevard, Fair Oaks Boulevard, and Hazel Avenue.

Camberly Place at Stonebrae, Hayward
Camberly Place is part of a village-style neighborhood of luxury, single-family homes located within Stonebrae Country Club in Hayward, California. True Life Communities has been selected to build up to 26 homes over the next 18 to 24 months. Tree-lined streets and an appealing mix of architectural styles are reminiscent of some of the Bay Area's most sought-after neighborhoods. The homes feature sweeping bay and ridgeline views, and nearly 75% of the total acreage of Stonebrae is preserved as a protected open space and a managed habitat with access to 1,200 acres of dedicated open space, wildlife preserves, and is adjacent to the East Bay Regional Parks. There is also an 18-hole links-style premier golf course designed by award-winning Scottish architect David Mclay Kidd.

May and June Events

Friday, May 13, 2011 Celebrate the Launch of True Life Communities
Open House – Celebrated the Launch of our new brand as True Life Communities Friday, 2 p.m. to 6 p.m. Visit us on Facebook and Twitter to view highlights of this event and to view other recent celebrations and events.

June 15, 2011 Bay Area Market Opportunities Webinar
Sign up to view our live Webinar exploring the growth and opportunities in our backyard, the Bay Area! Email Justin Clark at jclark@truelifecommunities.com to learn more, or request an invitation and link to the event. Wednesday, June 15, 2:00 p.m.

July 2011 Featured Guest Speaker explores real estate market activity in Northern California submarkets
Learn where the best regions lie for opportunity today and the market dynamics that make them tick. Check back on our site for the Agenda or email us to be notified. Live Webinar hosted by Justin Clark. Please email Justin Clark at jclark@truelifecommunities.com to learn more.

Investment Today

Escaping Volatility in Today's Markets and the Power of WE

Intuitively the wealthy people in the US recognize that wealth is created and transferred to those who position themselves in the game at the right time. Some might call this contrarian investing; we believe it is a matter of good business sense. The old adage of "buy low and sell high" is how many generations of wealth have been established and legacies have been built. We believe we will never again see the opportunity to harvest solid real estate assets like we can at this point in time.

WE are the best non-correlated asset to the stock market to avoid the pain of volatility.

Working with Wealth Management professionals there is an underlying sentiment from most of their clients: everyone is sick and tired of the stock market volatility. In the last few months of 2011 alone the Dow Jones Industrial Average posted 200 point swings in both directions on an equal number of days. Wealth Managers I've spoken with say their clients are tired of being on the sidelines with portions of their portfolios. In fact they are seeking capital preservation and an appropriate yield while staying away from the daily pain of the volatility in stocks. Real estate ventures controlled or acquired today offer a great non-correlated asset class for larger percentages of your portfolio than have been traditionally allocated by money managers.

WE are the flight to safety.

For those looking for a less bumpy ride, the flight to treasuries doesn't even keep up with inflation. Recent T-bill yields were reported at 0.25% on the 2 year Treasury to 3.03% on the 30 year. That's not very attractive when you compare that to the rate of inflation in 2011, estimated at 3.4%. Commodities have had a significant run, but lately we've seen a pull-back in the price of Gold, dropping over 18% at year-end from it's high in August. That hedge may not be the right asset to pursue for safety.

WE control or acquire subdivision properties positioned in the key Western US that will be harvested at the right time to produce investment yield. Many of these have already gone through the political process of entitling the raw land for development, which is the process that endows the land with the greatest added value. Yet our cost basis is typically below the actual cost for adding entitlement, or in some cases other improvements such as infrastructure and streets. In essence, the dirt actually costs zero. This gives us the opportunity to bring finished product to market and compete with the resale market at today's prices while generating an attractive return. We believe this is the flight to safety.

WE joint venture, control with options, acquire, add value to real estate assets; and then harvest the assets value through the sales of lots and homes;

The operative word is the control of the assets. Since 2009 we have conducted preliminary due diligence on hundreds of subdivision properties in Northern California to establish a pipeline of assets that we can pursue in preparation for the housing industry's resurgence. The power of controlling the assets through joint ventures, and options payments to property owners, allow us to keep our capital outlay to a minimum, which in turn allows a great return on equity when we bring the assets to market. The publicly traded home builders will be searching in earnest for finished lots when this market turns around and we are one of the nimble players providing solutions.

WE are leading the reinvention and recovery of the housing industry in Key markets in the Western US;

WE believe the way development and homebuilding has been conducted in the past should remain in the past and that a collaborative approach involving key stakeholders and major industry trades is the new model. By forming ventures with these partners we can improve the processes and methodologies behind the development of the communities and construction of the homes; and that will become the differentiator that sets our company apart. As the market begins to gain traction, the challenge will be to adhere to this collaboration when the Publics get their Wall Street checkbooks out and return to throwing money at the market in the same old way.

WE are a nimble niche player by design and will build our brand so that the consumer will pursue a True Life Communities home over all others in their respective market. Whether we build the home, or sell the lots to others to build, our vision and control of the final product will be the difference maker.

WE have assembled the right team, on the right playing field, and now is the time to execute.

Championships are won by bringing the collective talent and game plan to the field at the same time.

WE have been assembling our team since 2008 and have the collective intelligence of more than 100 years of expertise in every aspect of the development and homebuilding industry. What sets us apart from any others who wish to compete with us is the strict adherence to our core values in bringing our partnership culture to life. Every member of the team brings their talent, values, and relationships to the pursuit of our vision to reinvent the industry. The main ingredient required to execute on this plan is capital.

WE have created a platform to deploy capital in real estate ventures for accredited investors, as they understand the risks. WE have built the platform to receive capital from High Net Worth Individuals, Registered Independent Advisors and Wealth Managers acting as fiduciary's on behalf of their clients. I invite you to contact me for an invitation to receive a free Wealth Creation Assessment and your flight to safety.

Highest Regards,
Joe Fraser

The Financial Team

Joe Fraser, Capital Relations

Joe ensures compliance in all aspects of our outreach and marketing, including preparation of paperwork and documentation. He manages the partner application process, providing essential information to our new partners so they can make informed decisions. Joe walks new partners through the steps to join, ensuring their complete understanding and maintaining transparency in the process. His goal is to help potential partners align specific allocation of funds to the right opportunity within True Life Communities portfolio of developments.

Justin Clark, Partner Relations

Justin takes charge of helping potential partners gain an overview of our business and our organization. He is instrumental in creating access for potential partners to meet with our CEO, Scott Clark, to learn more about the company and our goals. Justin also manages much of the company's data tracking, monitoring industry data and coordinating events to connect our partners with experts who offer information critical to all aspects of our industry.

Rick Vossekuil, Partner Communications

Rick oversees regular communications with our partners, sending project updates and quarterly statements as appropriate, as well as other standard reports and forms. In addition, Rick manages and tracks documentation and record keeping to maintain compliance in our records department. He also sends out general company news as it occurs, along with a daily compilation of industry related news stories to interested subscribers, partners and friends.

What Our Partners Say About Us

A sampling of personal comments on our company and the members of our team from our investors and partners in community.

"In today's complex, confusing and uncertain investment environment we are all looking for something or someone to believe in. A vision with a clear view of how to proceed despite economic or political circumstances. I believe such an entity is Americap Development Partners, a partnership formed to find and bring to market deeply distressed non-performing assets by designing and executing strategies to bring value to these distressed opportunities in a way that minimizes capital exposure and optimizes bench mark returns." - Tom Marckwardt, Investor

"In my years of investing, no one has come close to the attention given by Joe Fraser and the Americap team. The transparency with which they do business is refreshing in this day and age. They have definitely treated me as something beyond an investor… they have treated me like family." - David Leung, Investor

"Scott Clark continues to add high quality, talented individuals to the Americap brand. As an investor since December 2008, I have seen tremendous growth and execution from the team. I can speak to the integrity and professionalism of the partners and Scott. This group has the vision and experience to be in the right place at the right time and positioned for success." - Tracey Chew, Investor

"During my 24 month relationship with Americap, there were many difficult and significant obstacles to overcome as the economy was spiraling downward, home sales were sagging… Scott and the team at Americap kept cool heads, and did what it took to keep their project moving forward, and to stay ahead of the market. Americap made good on their commitments, invested personal resources and were men of their word." - William J. Griffin, Saehan Bank

"I have known Mr. Don Kirby as a concerned philanthropist and by reputation as a community builder for three years and can say unequivocally that his impact on the city of Blythe has been substantial. …He has consistently demonstrated a genuine concern for the emotional well-being of the youth in our community by donating self-help books targeting teenagers at a time in their lives when they need it the most. The ripple effect of his endeavors will last for generations as students gain a better understanding of themselves and our society. Blythe is a better place because of Don Kirby." - Leslie Watkins, M.Ed., Teacher, Palo Verde Unified School District