LNL: L&L Financial Services

You can really trust.....

Total shares: 6,000,000

Prospectus

Company Tagline

You can really trust.....

CEO's Real Life Name

Sheffie Cochran

CEO's Real Life Location

Augusta, GA

Board of Directors

Lindsay Druart, Chief Executive Officer
Luke Birdbrain, Chief Communications Officer
Cory Rotaru, Chief Finance Officer, Executive Financial Specialist

Cash on hand

1445317

Land owned

2256

Tangible Assets

1479157.00

Monthly Income

452000

Monthly Expenses

15000

The bank with the face that you can see....

Dear Potential Shareholders,

It is my pleasure to present L&L Bank and Trust to the market for open trading. L&LBT have been working diligently to make this banking product withstand its competition by offering stellar products that are real life compatible. We have seen a few stumbling blocks in server configuration, but we are still hard at work in providing a real life banking experience with face to face Financial Specialists on hand that are hired based on real life work experience.

The web portal for online banking is being configured to offer a secure banking environment including the introduction of the Certificate of Deposit as well as Currency Exchange via Paypal, Check, and other portals that will allow for international trading. With the coming of the currency trade, we will apply for Risk API to avoid fraudulent linden transfers. L&LBT also plans to venture into mainland acquisition, bringing the land background to the bank. Land loans will start on June 4th for properties owned by L&L Rentals and Sales. In the coming weeks, we also plan to work with IBM to provide personal and business loans using the Integrus system.

L&LBT is backed by professionals that are extremely familiar with the workings of Second Life, currently running a successful business traded on the WSE. You will be more than pleased with our banking as the interest rate is currently 2.1% weekly.

Even though the name is new, the bank is not, building on the fall of Second Life Investment Bank. The bank has seen tremendous support for the SLIB customers as over L$300,000 in deposits have been refunded and reinvested in the bank by the customers. I have personally been in constant contact with customers providing above and beyond customer service and I will continue to do that. Please feel free to contact Lindsay Druart with questions. Thank you for your investment in L&LBT.

Sincerely,

Lindsay Druart, CEO

Business Overview

The business sector of L&LBT is primarily banking with background supports through currency trade and land management. Profits made from land management and currency trade will go to aid the bank in providing higher interest rates for accounts as well as develop more products closer to real life banking for customers to manage lindens.

Currently, L&LBT has savings accounts open and available for customers with a 2.1% weekly payout of interest paid to all accounts on daily. Online banking will be used to manage accounts offline with a support system to contact a financial specialist if need be. In the coming weeks, we plan to offer live support for customers, currency exchange, and certificates of deposit.

Bank accounting is done through the ATM's database that has limited access to insure security. Land acquisition accounting and the currency trade will be done using Quickbooks to print checks as well as Paypal Mass Pay and we are looking into other avenues of currency trade for international clients.

100% of LNL's IPO representing 20% of the company as a whole has been purchased by Allenvest Investment Capital and Allenvest Financial Bank, a company owned 100% by Allenvest Investment Capital. Allenvest has agreed not to sell any shares for a period of no less than 21 days or until LNL begins a secondary offering, whichever is sooner. Lindsay Druart can not sell shares for a period of 60 days from the completion of a secondary offering. LNL will hold a secondary offering after the completion of banking software.

Business Strategy

The strategy of L&LBT is not to just be a nice ATM in a club but to be a full banking experience. We have a few staffed financial specialists in the bank to assist customers with issues. All financial specialists currently or have previously worked in real life banking industries from commercial lending to investment banking. The more involved we are in the processes needed and required by our customers, the more successful we will be. Our staff is accessible most all hours of the day and you can guarantee a response to any problems or questions within 24 hours. We also plan to put live help on the website available to customers via chat and Skype that will service customers that are unable to log on to the website.

Business Strengths

The main business strength that we have working for us is our personable approach. Someone is always available for questions whether it be a financial specialist or an executive. Customers are confident that their questions will be answered in a timely manner as we cover many different time zones. There are very few issues that arise and each customer is handled personally with as much care and respect as they would get in a real life bank. We opened our doors on May 24 and as of May 26 have 32 customers and L$986576 in deposits. We have tremendous dedication to our customers from the SLIB fiasco and we have a dedication to the market to step in when we can.

Use of Capital

Capital gained from the IPO process will be used to aid in the currency exchange process to have enough capital on hand at all time for mass paying through Paypal as well as mainland acquisition via Second Life auctions. This will also allow us the raise interest paid to customer while we transition into the currency exchange process. We are rebuilding the web portal to allow customers to have more options avail to them without having to log on to Second Life such as withdrawals, deposits, and creating of new accounts. The web portal will be the most costly venture as the coding needed is enormous.

Risk Factors

Currently the banking market has a few big players but it is still a wide open ball game. The personality that we bring to the industry along with the real life solutions offered will be the one thing that separates us from the others. We don't plan to be the solution for everyone but we are the solution for someone and it is those people we seek to service the most.

A risk factor we foresee is a drop in the linden value via the Lindex. This could hurt all banks in Second Life and this is not something that we can control. We are heavily connected with Concierge and do not see this as being an issue but we are still forward thinking to prepare for an onslaught of this magnitude from Linden Labs by making sure that all funds are properly invested. Another risk factor we have seen is that fraudulent linden trade is rampant but the Risk API system will protect us from this onslaught.

Management

Chief Executive Officer, Lindsay Druart
Chairman of L&L Rentals and Sales
Chief Executive Officer, L&L Bank and Trust
Chief Communications Officer, Aquatica Inc.
Non-Executive Director, Xanther Corporation
Non-Executive Director, Delgado Promotion Services
Non-Executive Director, Karlfeldt Delgado Mutual
Leonetta Queen, Leonetta

Chief Executive Officer, Luke Birdbrain
Chief Communications Officer, L&L Bank and Trust
Chief Executive Officer, Aquatica Inc.
Leonetta Counsel Lord, Leonetta

Chief Finance Officer, Cory Rotaru
Executive Financial Specialist, L&L Bank and Trust