SOURCE: WHY USA Financial Group, Inc.

November 11, 2008 11:25 ET

WHY USA Chairman Releases Shareholder Letter

MINNEAPOLIS, MN--(Marketwire - November 11, 2008) - WHY USA Financial Group, Inc. (OTCBB: WUFG), a publicly traded financial services company headquartered in Minneapolis, MN, announced today that it has released a shareholder letter commenting on recent events and accomplishments.

My fellow shareholders:

Since our last shareholder letter, much has happened in our industry, the economy, politically, and with our company. Continued uncertainty remains in the marketplace in which our company conducts its business; despite this, we are pleased to inform you that certain of our previously stated goals have been achieved and we believe our company is positioned to take advantage of the opportunities that will arise from these difficult and trying times.

One of our goals was to again become a fully reporting company trading on the Over the Counter Bulletin Board (OTCBB) with proper market maker support. This provides current and prospective investors transparency to value the opportunity we feel WHY USA represents. I am pleased to inform you that on October 31st we achieved this goal by listing and trading on the OTCBB. Cresta Capital Strategies, LLC, a FINRA member firm, supported us professionally through this process and has been retained as our investment banker. Cresta continues to provide professional advisory services as we seek capital, merger candidates, acquisition targets or spin-off opportunities. We are current in all SEC reporting requirements as well as being PCAOB compliant. Our independent accounting firm, Pannell, Kerr, and Forster (PKF) has issued an unqualified audit opinion, another step in being compliant under the Sarbanes-Oxley Act of 2002. Management views this as a major accomplishment and thanks you, our shareholders, for your patience and strong beliefs in our organization while meeting these monumental objectives.

Management believes WHY USA is now positioned to obtain in the near future, a listing on a senior exchange (based upon meeting certain stringent listing requirements), that will further enable us to achieve our vision of maximizing shareholder value through the growth of existing operations and strategic acquisitions. The Board of Directors continues to seek out and analyze a number of opportunities that will provide this growth. The Board of Directors and management are focused particularly on creating shareholder value through the use of our business strengths and our public company status.

While we understand that the overall economy and our industry are experiencing significant troubles and difficulties, we believe that our company is positioned to take advantage of the current state of affairs. Due to recent governmental actions that affect the economy and our industry we see a near term return to a balanced market in the real estate and mortgage industries. Certainly there continues to be change and additional regulations placed upon our industries, however, we believe our company is nimble enough to weather what additional storms may come. While this current cleansing of the market takes place, new opportunities are created as many of our competitors have ceased to exist, failed to meet the new standards, or have simply decided to go in a different direction altogether. Currently there is a smaller universe of transactions being done, however, we are in a position to obtain market share and execute upon cost effective and accretive acquisitions. Because of additional Federal and State regulations, many of our competitors will never re-enter the business. As consumer confidence returns, we expect to be strategically positioned to grow market share and expand our business with a national presence. As the government continues to make more programs available to homeowners and borrowers we will be there to serve them. We believe there is a strong growth opportunity for our mortgage entities and franchisees in the near term, and especially upon the return of a balanced real estate market and improving economy.

As the Holiday Season approaches, we wish to thank our shareholders and friends for their support and efforts on behalf of WHY USA and its management team. We appreciate and value your investment and wish you all the best.

As always, we thank you for your continued referrals and support of WHY USA. We will keep you fully informed as we further develop our company, and if you have any questions, please do not hesitate to call.

Sincerely,
James B. Kylstad
Chairman and CEO

About WHY USA Financial Group, Inc.

WHY USA serves as the holding company which provides mortgage services and real estate services through its wholly owned subsidiaries: Discover Mortgage, TCS Mortgage, and WHY USA North America, Inc., which is a national real estate franchise company. These subsidiaries provide services to homebuyers, home sellers, real estate brokers and their agents, as well as homebuilders. They offer real estate franchise sales, support and training for the owners and agents of the franchisee network.

Certain statements contained in this news release regarding matters that are not historical facts may be forward-looking statements. Because such forward-looking statements include risks and uncertainties, actual results may differ materially from those expressed in or implied by such forward-looking statements. Factors that could cause actual results to differ materially include, but are not limited to, uncertainties pertaining to continued market acceptance for WHY USA's products and services, its ability to succeed in growing revenue, the effect of new competitors in its market, integration of acquired businesses, and other risk factors identified from time to time by WHY USA Financial Group, Inc.

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