We don't believe that all social issues can or should be solved with an intent to make money. There are some institutions that are better left in the State's hands. Yet, there are

some problems which cannot be solved by the State. Still there are others where the non-profit sector, for as much money as it has spent on the problem is not able to solve

it, because of the market and personal forces which create the problem. Such is the problem of the lack of foster care homes, and supportive housing for emancipated youth.

Therefore our plan comes at the resolution of high youth unemployment and homelessness from the direction of the market. This plan just so happens to be one

which is self-sustaining in it's solution. It is also one that creates self-sufficiencyin youth, builds dignity and a sense of self worth through the actual experience

and participating with others in solving of one's own problems.

How Easy it is to Create an Inclusive Economic Environment, with Access to More Affordable Housing & Living Wage Jobs. All we need is to “close the circle(1)”

to make this program cycle the benefits to be had. Will you help us close the circle?

Participation is invited in a Business Plan, Solving a Number of Problems,Not the Least of Which is High Youth Unemployment and Homelessness,

including issues regarding the Environment, Transportation and Foreclosures

Slide 1

Internal / External Corporations

There is only one corporate entity internal to the business plan.That entity is the non-profit, 501(c)3*, Homes for the Upwardly Mobile (HUM).

The other entities are appurtenant to this one, but integral to it's mission and function.

Homes for theUpwardly Mobile (HUM)

(the non-profit)

CompetitivelyPriced Residences

(an internal department)

Prospective HomeownersAssociation

(a mutual benefit society)

Internal External

The EndeavorHousing Cooperative

(A California Corporation)

Exhibit 1Slide 2

A non-profit, managing Green Renovation Projectsconsisting of single & multi-family Residential Properties

● Providing Transitional Housing, by allowing pre-staged workers to live/work on-site.

● By and through this training, youth will obtain living wage positions, and thereby the

● Earnings to rent at rates less-than-market, group or individual residential living, thence

● Effectively gaining Permanent Supportive Housing, with an additional option to have a

● First Right of Refusal to purchase shares in the cooperative that owns the properties,

● Whereby they will no longer be homeless, having sufficient income, and education so

● As 18-24 year olds, they gain an opportunity to begin building equity for their future

● So, as it rehabilitates properties, HUM is rehabilitating lives & the regional economy

Homes for the Upwardly Mobile (HUM): a social enterprise,targeted towards sustainability, providing on-the-job training

for homeless youth in the Green Construction industry

Slide 3

Unaffiliated and Aligned OrganizationsPerforming tasks for the Mission & on behalf of our Clients, with the cooperation of others

HUM

LLC

CPRPHA

EndeavorPropertyOwner

LenderFunding

Non-Profit

Renovation ManagementDepartment

Hire Contractors & require themto hire youths to receive on-the-job

training & perform service

Market EquityHousing

Cooperative

Mutual Benefit Society, Home

OwnerlessAdvocacy Group

& R.E. Buyer Club

Housing Product or Service Salesto public, workers & for banks or Realtors Exhibit 2Slide 4

Transform Lives through Education and Mentoring. Empowering Youths and Families to Develop a Business by Helping Others

Homes for the Upwardly Mobile (HUM): A non-profit “social enterprise”, transforming the lives of disadvantaged youth.

HUM identifies currently homeless youths ready to work, by partnering with agenciesthat work directly with this population, as long as they're able to be trained in Green

Construction, by our construction contractors, who supervise their work.

For those whom HUM contacts who want to improve their lives,it will provide transitional housing, and an opportunity to learn.

Then HUM provides an opportunity to earn by performing job tasks under qualifiedsupervision on Green construction jobs in the geographic areas in and around

San Gabriel Valley, Los Angeles County, California.

Whereupon they will help create their own permanent supportive housing, and through this, create a process by which they are involved in helping others like themselves.

Slide 5

Parties to the Transformation

CompetitivelyPriced

Residences(a HUM Dep't.)

Organization 1Homes for the

Upwardly Mobile(HUM) 501(c)3

Bank's REO's

Organization 2Prospective Homeowners

501(c) 6a mutual benefit organziation

Home Buyers,who themselves

worked on projects

AngelInvestment

Group

BlanketCorporateMortgage

A

B C D E

FGThe Endeavour

Housing Cooperative

H

Exhibit 3Slide 6

These are the parties to the process, which creates the circle of change

As Stakeholders, Becoming Responsible Owners

As Business, Property and Financial Instrument owners, participating youth will have the opportunity of learning to run a business, teaching how to do it & investing in others.

As newly renovated properties are sold to Endeavor California Housing Cooperative, youth workers will be offered the first right of refusal to purchase shares in this housing

cooperative, which will grant them ownership and teach them management of the residential properties that they themselves renovated, making them self-reliant.

As the asset base of Endeavor California Housing Cooperative is built up, the shareowners of the co-op will learn to leverage these assets, by borrowing against them

to loan funds back to the non-profit. It will require additional investors' participation as well, giving local neighbors the opportunity to invest in these worthwhile redevelopments.

This in turn continues the cycle of purchase, renovation and sales of residential units to their co-op, while assisting other youths to obtain the same opportunity they themselves were provided, enticing neighbors to invest, so as to improve their own neighborhoods.

Youth will learn aspects of running their own business, and more than just the fundamentals of budgeting, insurance & finances

Slide 7

Processes in the Circle of Change

N-P. Borrows toPurchase REO's

Hire & TrainYouth Workers

Borrow Again toRenovate REO's

Sell RenovatedREO's to Co-op& Other Buyers

Workers ReceiveRight of Refusal

Co-op ManagesProperty Assets

Co-op LeveragesAsset Values

Co-op RefinancesBlanket Mortgage

Exhibit 4Slide 8

Non-Profit PaysInvestor Loans

Co-op Loan FundsNon-Profit Needs

Real Estate Investment Trusts (REIT's),Property Management and Asset Management Processes

In the way that the cooperative itself becomes a business, it is not unlike a REIT. But while a REIT must redistribute the majority of it's profits on an annual basis, the co-op

can sell shares, reinvest any earnings and leverage values, earning more.

It performs not only as an affordable home production company for the employment of previously homeless youth, in starting small it can afford to function as a property

management company for it's own properties, eliminating the need for any middleman.

As an asset management company, it leverages the maximum amount of value in the properties by lending money to the non-profit, which in turn purchases additional

Real Estate Owned by banks (REO's) and pre-foreclosure (Short Sale) properties owned by individuals and corporations for renovation & eventual sale to the cooperative itself.

Short Sale properties will become leased by their original owners, saving family homes.

Multiple Benefits Realized by Enacting Plans: Good Jobs, Affordable Homes, Lower Transportation Costs, a Sound Economy, a Healthy Environment,

the restructuring of bad mortgages & the retention of family homes

Slide 9

Self-Funding Business Services

We are looking for opportunities to self-infuse with multiple avenues of income,to strategically grow opportunities for the non-profit to establish itself.

Exhibit 5Slide 10

Renovation projects will be developed initially on small multi-family buildings, that are in REO Status, in order to provide multiple benefits

to the local community, not the least of which is jobs

Community Redevelopment: Improving older homes that have been foreclosed, or those which are in a state of pre-foreclosure. It expands buildings on existing properties, making more living space, while allowing existing owners to sell their

properties to the cooperative, and allowing those owners to buy shares in the co-op.

Therefore, this process shores up existing owners with financial difficulties, while improving the housing stock throughout the region and solidifying values nearby.

As it revitalizes neighborhoods, it is utilizing new and recycled materials that emit low Volatile Organic Compounds (VOC's) and enhancing the buildings' “envelopes”, by

repairing & updating buildings to their “bones” in a fashion so as to reduce utilities use, by installing heavy-duty insulation in the walls and ceiling areas, and by creating low

water usage environments outside the buildings and inside of them.

(Following the CalGreen Code enacted in 2010, which becomes the law for 2011). Slide 11

Loans and Donations

(1) Otherwise, we are seeking loans to establish the self-sufficient business entity, which will in turn develop the funds to continue the processes outlined in this plan. Who do you know who would invest in the leaders of tomorrow, by helping youth in need today? (Verify with your accountant whether they are tax-deductible to you.)

Call Gary Cook, Founder (626) 414-4127

Donate to our PayPal account, by e-mailing your donation through PayPal, to PayPal at YouthJobsHomes.info. Or you can loan funds to our building dep't.(*Your donation is not tax-deductible, until our 501(c)3 application is approved.)Note: We're currently seeking a “Fiscal Sponsor” to speed our process along.

Slide 12

As the Organization Grows:Employee Benefits & Alternative Services

We plan to treat each worker as an employee of the non-profit, but lease them to contractors. We will create a health and retirement program (403B) for all of those who stay on as employees of the non-profit. As well, to educate and provide an opportunity for workers to purchase insurance and retirement products to supplement their organization provided benefits. The goal here is to self-insure at sometime, not providing funding to insurance carriers, that go to their profits and not support their insured.

Further, opportunities to create neighborhood-based homes to support physical and psychological care of residents of areas we renovate in, to support local citizens and their families, including foster homes. This will give workers the opportunity to learn and practice skilled trades in human service industries. These rehabiliation or care homes will be owned or managed by the non-profit, offering jobs to workers, in these areas:

Board and Care for Terminally-ill Assisted Group Living for the ElderlyLong Term Rehabilitation In-home Care

Adult and/or Child Day Care Alzheimers Care

Slide 13

HUD “First Look” program

U.S. Housing and Urban Development (HUD) Secretary Shaun Donovan has announced an agreement with the nation’s top mortgage lenders to offer selected state and local governments, and non-profit organizations a “first look” or right of first refusal to purchase foreclosed homes before making these properties available to private investors.

The National First Look Program is a first-ever public-private partnership agreement between HUD and the National Community Stabilization Trust (Stabilization Trust). In collaboration with national servicers, Fannie Mae, and Freddie Mac, the First Look program is intended to give communities participating in HUD’s Neighborhood Stabilization Program (NSP) a brief exclusive opportunity to purchase bank-owned properties in certain neighborhoods so these homes can either be rehabilitated, rented, resold or demolished.

“This groundbreaking agreement will help rebuild neighborhoods that have been struggling with blight and declining home values due to foreclosures,” said HUD Secretary Donovan. “Local communities will now get an exclusive option to buy foreclosed properties in targeted neighborhoods so they can turn the homes into affordable housing or, in some cases, tear them down. This agreement helps us level the playing field to give communities a better chance to stabilize these neighborhoods.”

Wed, 2010-09-01 14:47 – from National Mortgage Professional

Slide 14

The July 12, 2010 HUD Ruling

After expressing interest in a property, the First Look Period will last approximately five to 12 business days during which the NSP Grantee will conduct inspections and establish costs to repair in anticipation of the financial institutions price offer. In the event that no NSP grantee exercises its preference to purchase an REO property during the First Look period, the financial institution will follow its normal process to sell the home on the open market.

Currently, the Federal Housing Administration (FHA) offers a complementary pilot program in which NSP grantees receive an exclusive option to purchase so-called HUD Homes at a discount prior to those homes being made available to the investor community. The FHA pilot, alongside today's agreement expands the opportunity for NSP grantees to gain access to REO properties through a national first-look standard option.

(Page 2 of 4 – HUD First Look program)

Slide 15

HUD First Look program

HUD's Neighborhood Stabilization Program was created to address the housing crisis, create jobs, and grow local economies by providing communities with the resources to purchase and rehabilitate vacant homes. NSP grants are helping state and local governments, as well as non-profit developers, acquire land and property; demolish or rehabilitate abandoned properties; and/or offer down payment and closing cost assistance to low to middle-income home buyers.

Grantees can also stabilize neighborhoods by creating "land banks" to assemble, temporarily manage, and dispose of foreclosed homes. To date, HUD has allocated nearly $6 billion in funding to state and local governments and non-profit housing developments. In the coming weeks, HUD will allocate an additional $1 billion in NSP funding, which was provided through the Dodd-Frank Wall Street Reform and Consumer Protection Act.

(Page 3 of 4 – HUD First Look program)

Slide 16

HUD First Look & NeighborhoodStabilization Program (NSP) References

http://portal.hud.gov/portal/page/portal/HUD/press/press_releases_media_advisories/2010/HUDNo.10-251

http://www.hud.gov/offices/hsg/sfh/reo/mm/mmIIIfirstlooksales.pdf

http://portal.hud.gov/portal/page/portal/HUD/topics/grants

http://www.hud.gov/offices/hsg/sfh/reo/npogovfaq.pdf

http://www.hud.gov/offices/hsg/sfh/reo/abtrevt.cfm

http://hudnsphelp.info/index.cfm

Slide 17

From Homelessness to Helping Others Like Themselves, with your help!