WHY A COMMERCIAL CAPITAL NET BRANCH?

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1 WHY A COMMERCIAL CAPITAL NET BRANCH? LEVERAGE: Our lenders Our Training Our templates/forms plus PAYOUTS* plus SUPPORT = $$$ PROFITS $$$ 367 Athens Hwy. Ph: Suite 600 Fax: Loganville, GA Toll-free:

2 367 Athens Hwy. Ph: Suite 600 Fax: Loganville, GA Toll-free:

3 Leverage Our Lenders We have over 50 lenders, with a host of niches and competitive rates here are some sample products available: Acquisition & Development Financing - $10 Million to UNLIMITED! Multifamily New Construction / Substantial Rehab 90% Loan-To-Cost 70% NO DOC loan to $5,000,000! Church loan financing with fixed rates in the 7 s-very competitive and 30 year amortization to boot! Alt-A church product to 80% LTV and 4 times the tithe! Church Bond Money program Non-recourse lenders Wall Street Conduit Money Hard money loans, gas stations, odd use properties and so much more And of course your cream puff normal loans on apartment complexes, warehouse, mixed use, etc. IF YOU WANT TO COMPETE YOU NEED THESE LOANS!!!! 367 Athens Hwy. Ph: Suite 600 Fax: Loganville, GA Toll-free:

4 Leverage Our Training! We don t want you out there flying blind and representing us. You can leverage our nationally known training to amp up your volume quickly: Our Commercial Training Course is just part of the training. You also get live packaging training from our underwriter. Learn how to pre-qualify, package and place your loans. Learn Marketing strategies to increase your pipeline quickly. Learn key information like how to calculate Debt Service Coverage and quickly determine whether you have a deal or not. And of course, you get monthly conference calls with Brian and a new niche lender each month so you are always growing and learning. Knowledge is power and that knowledge comes FREE with a Commercial Capital Net Branch. You can thrive in Commercial Mortgages! 367 Athens Hwy. Ph: Suite 600 Fax: Loganville, GA Toll-free:

5 Leverage Our Support! The number one complaint I hear from Residential Net Branches is no support that won t happen with our Commercial Net Branch Here is what you get All the forms, templates, and applications ready to customize for you I am talking church loan apps, commercial apps, marketing, reports, the works! With one-on-one training that you receive on your first two commercial deals can increase your potential closing ratio. Our commercial department is available 9-5 for additional assistance. You have access to Brian Peart every month in the conference calls but it gets even better. You get 6 months FREE of askbrianpeart.com allowing you to access Brian every day with questions. Not sure how to structure something? Ask Brian. He will answer and then delete the question so others outside our net branch circle do not see the answers. Want to know how to market something or handle something? Ask Brian. It is like having Brian on call as a mentor and coach to help you build your business. And there is NO MONTHLY OR YEARLY FEES FOR THE NET BRANCH!!!!

6 SAMPLE MARKETING PIECES With a Commercial Capital net branch there is no need to re-invent the wheel! All of Brian s marketing fliers and tools are available to you to tweak and run with. PLUS, Brian has monthly conference calls where he helps you with ongoing marketing strategies and planning. PLUS, as part of your set-up as a branch, you get Brian s Top Producer for Commercial with over 2 hours of marketing strategies. Don t just do a few commercial deals here and there; DOMINATE your marketplace with proven sales and marketing strategies. YOU CAN DO IT.WE CAN HELP!

7 LIMITED-USE PROPERTIES PROGRAM FEATURES LOAN LIMITS $250,000 $3,000,000 PROPERTY TYPES LOAN TYPES MAX LTV LOAN TERMS Automobile Dealerships Automotive Service and Repair Assisted Living Facilities Grocery Stores and Markets Educational / Day Care Car Wash (Full Service and Coin Op) Funeral Homes Restaurants Bowling Alleys Properties with excess land RV Parks Purchase Refinance Cash Out Refinance 90% Owner Occupied Purchases (SBA 504) 65% Purchase (Non-SBA, up to 90% CLTV) 65% Refinance / 60% Refinance Cash-out 25 years fully amortized 20 years fully amortized 15 years fully amortized MIN FICO 650 AVAILABLE PROGRAMS 5 YR Fixed SBA 504 Adjustable Conversion THE Commercial Capital Ltd. DIFFERENCE No Balloon Payment Broker or referral source 100% protected Flexible Underwriting No Lender Points Quick Closings Simple Documentation Rate locks available at no cost

8 Commercial Capital Limited A division of Nexus Financial Group, Inc NO PRE-PAYMENT COMMERCIAL LOANS! NO PRE-PAYMENT PENALTY!!!! Property Types: Marinas, Industrial, General and Medical Offices, Mixed-Use, Retail, Self Storage, Health Care / Senior Living, Special Purpose Loan Amounts from $1mil $30mil Amortization Up to 30 Years (so long as the economic life is remaining, excluding marinas) LTV: Up to 75% (80% if Owner Occupied or Multifamily) Interest Only Loans available up to 3 years No reserves or impounds required for taxes and insurance Rapid processing time most loans close within 45 days! Competitive rates / Low processing and third party fees THIS IS ONE OF THE BEST PRODUCTS ON THE MARKET TODAY! PLEASE REMEMBER THAT RATES AND TERMS WILL VARY BY DEAL THE STRONGER THE DEAL, THE BETTER THE TERMS So, if you have any deals that you would like us to look at or if you have any questions or want more information, please give us a call at: We d love to talk with you about your deals!

9 Commercial Capital Limited A division of Nexus Financial Group, Inc Tired of lenders limiting your cash out? NOW GET UNLIMITED CASH OUT!!! Loan Amounts up to $30mil Up to 70% Loan to Value! No Prepayment options available Source & Use of Funds: NO QUESTIONS ASKED! THIS IS ONE OF THE BEST PRODUCTS ON THE MARKET TODAY! PLEASE REMEMBER THAT RATES AND TERMS WILL VARY BY DEAL THE STRONGER THE DEAL, THE BETTER THE TERMS So, if you have any deals that you would like us to look at or if you have any questions or want more information, please give us a call at: We d love to talk with you about your deals!

10 Commercial Capital Limited A division of Nexus Financial Group 367 Athens Hwy. Phone: Suite 600 Toll-free: Loganville, GA Fax: Church Real Estate Financing Property Types: Loan Proceeds: Trustee Guarantees: None Size: Fast Close: Sanctuaries, Schools, Expansion Acquisition, Refinance, Construction, Cash-Out $400,000 - $30 million days Cash Flow Multiple: 3-4x Unrestricted Contributions LTV: 66% - 80% Term: Interest: Prepayment: Years; Open-Ended for additional Borrowings Fixed over Treasuries No Penalty Construction Bonds: None required for qualifying projects Our underwriters are professionally trained to keep the interest of the church a priority. They are experienced in working with churches of all sizes. Thus, they can fund loans for any denominations anywhere in the country! So please call one of our underwriters today at !

11 COMMERCIAL FINANCING FOR BUSINESS & INDUSTRY SBA Loans Loan Amounts from $250,000 to $12,000,000 Loans are available for NEW and EXISTING businesses: Repayment terms up to 30 years As high as 90% financing Competitive rates Some balloon payments or call provisions You can benefit from FULLY AMORTIZED FINANCING for: Purchasing a business Expanding a business Purchasing equipment or inventory Refinancing and debt consolidation Purchase or refinance of owner-occupied commercial real estate We have programs specifically designed for: Assisted Living Facilities, Child Care Facilities, Franchise Purchases, Funeral Homes, Grocery and Convenience Stores, Hotels, Manufacturing, Medical Offices, Start-up Businesses and many more! 367 Athens Hwy.., Suite 600 Loganville, GA Ph: Fax: Toll-free: The Next Level in Mortgage Service! Page 11 of 17

12 What are you waiting for! It is said that destiny waits for no man. You get: To leverage all our training, forms, templates and knowledge and do loans anywhere in the country. You get the type of volume-pricing incentives that you can not get apart from a net branch (this includes 1 point in yield spread in most cases that you would not get on your own that is huge money on a $1,000,000 dollar loan!) You get all our support and ongoing coaching and mentoring and guidance from Brian Peart and YOU GET TO KEEP THE LION S SHARE OF PROFITS!!! All this for a nominal set up fee and NO yearly charges or fees Call today for the contract or for more information and let s team up to revolutionize the Commercial Mortgage Marketplace! Call to get the ball rolling! Page 12 of 17

13 Commercial Capital, LTD Net Branch Agreement Whereas, (Firm Name), hereinafter referred to as Branch, and Nexus Financial Group, Inc. / Commercial Capital, LTD, hereinafter referred to as Company, desire to enter into a mutually beneficial Net Branch agreement for Commercial Business Loans. And whereas, Branch desires to become affiliated with Company and become a branch of the Company in pursuing commercial Real Estate loans. This agreement will cover the entire agreement between the parties, real and implied. This agreement lays out the responsibilities of both Branch and Company. The Company agrees to provide the following: 90% payout on all closed commercial loans originated by Branch whether closed through a lender supplied by the company or not. ALL commercial loans MUST close in the Company s name. Upon receipt of the money and HUD from the closing by Company, Branch will receive their commission, 90%, via overnight mail from Company. The 90% covers ALL broker fees, including, but not limited to, points, discount points, origination fees, and processing fees charged. Branch and Company agree that this 90/10 split is just compensation under this agreement. Company will provide access to all their lenders and direct access to those lenders reps and underwriters to the Branch. Branch will be FULLY responsible for processing their loans and dealing direct with underwriters and lenders (see below responsibilities of Branch). Company will provide assistance in setting up including all forms, etc. that Company currently uses on Company Templates delivered via for easy printing. Company will provide access to Askbrianpeart.com for 6 months free for initial ongoing support and general commercial questions. Branch will have access to the Commercial Coordinator at Headquarters as well for general support. Company will provide a monthly marketing and pump up conference call with Brian Peart directly and the other Net Branch Owners. This will be a powerful time of insight, knowledge, and marketing strategies and brainstorming. Company will provide the Commercial Capital Training DVDs free of charge if not already owned by Branch. Their viewing is a requisite of this agreement (see below) Company will be doing commercial loans with Commercial Capital LTD and at the same time will still be doing any and all residential loans through another company. By doing so, this will not be a violation or a breach of the above said contract. Page 13 of 17

14 The above encompasses the responsibilities of the Company under this agreement. The Branch agrees to provide/adhere to the following: A one-time Branch set-up fee of $4, is required up front at the signing of this agreement by the Branch. Branch will be able to write commercial loans anywhere in the US. It is hereby agreed that this fee is fair and reasonable to cover all costs involved in set-up. This fee is not a deposit and is not due branch should the parties not desire to continue in partnership. Branch agrees that they will operate under the Commercial Capital banner in their commercial dealings and takes FULL responsibility for placing and processing the loans, with any questions answered by Commercial Capital. All loans must close in the name of Company, regardless of the lender that closes the loan. Branch agrees to watch the Commercial Training DVDs available from Company and listen to the entire 30 days to greatness conference calls. Knowledge is power and this is a requirement of this agreement. Company is NOT responsible to answer where to go scenarios. The basics are explained on those DVD s, Branch acknowledges that it is THEIR responsibility to pre-qualify, review, and find a home for a loan. Commercial Capital will help the Branch if they have any questions. Company is available for general support and marketing assistance only. Company will provide DVD s FREE of charge if Branch does not already own. AS PART OF THE $4, FEE, Branch will receive 6 free months of askbrianpeart.com which will allow for specific questions on finding a home for a loan and specific marketing questions of Brian Peart. It is agreed by Branch that the combination of the DVD s and the askbrianpeart.com site will be sufficient support for general where to go or how to do questions. At the end of the 6 months, Branch will need to pay for access to askbrianpeart.com at either the normal monthly rate or the discounted yearly rate if it requires ongoing specific scenario support. For every loan Branch closes (excluding Lines of Credit, Credit Card Receivable Financing and small Factoring Financing deals), they will get the askbrianpeart.com website FREE for another 6 months. Branch acknowledges that it is a net branch and as such, is responsible for their own expenses in underwriting, overnight charges, etc. Branch understands that there is a cost to the tremendous training and ongoing support provided to branch. This includes, but is not limited to, monthly training by President, lender research, commercial coordinator at headquarters, answering questions, etc. As such, the 10% fee due company is critical to the ongoing success of the company. Branch hereby agrees to allow Company, should the company deem it necessary at its sole discretion, access to its financials via an audit paid for by Company at its own expense. The purpose of the audit is to make sure all commercial loans have been properly reported and fees paid. Residential loans are NOT included in this contract. As further consideration under this agreement it is acknowledged that the following is also agreed upon: Page 14 of 17

15 Company hereby states that it has no outstanding lawsuits against it and is in good standing with all appropriate Government branches. Company agrees to hold harmless and indemnify Branch from any lawsuits or actions that arise out of any of its operations, whether retail or commercial. Branch is a separate entity for said purposes. Branch hereby states that it has no outstanding lawsuits against it and is in good standing with all appropriate Government Branches. Branch agrees to hold harmless and indemnify Company from any lawsuits or actions that arise out of any of its operation, whether retail or commercial. Branch is a separate entity for said purposes. In addition to this agreement, the Non-Circumvent, Non-disclosure Agreement will need to be signed by both parties protecting their contacts should this agreement be cancelled after three years. This Non-Circumvent agreement is part of this net branch agreement and of equal importance to this agreement. Should Federal or State Laws make any part of this agreement null and void, it will not mean that the rest of the agreement is null and void. This agreement is for three years with an option to renew for another 3 years at the end of said period. The three years begins with the receipt of signed contract and set up fee-the date. Both parties must extend this agreement in writing. ONE-YEAR OUT CLAUSE: After one year the parties may terminate this agreement by mutual consent only. IF it is terminated, both parties must agree on it in writing. Should it be cancelled, all responsibilities of both parties will be null and void. All loans still in process at the time of cancellation will still be closed under the agreement. The attached Non-Circumvent agreement will still be in force even if this agreement is cancelled. This is to protect both parties. Company hereby agrees not to terminate Branch solely to receive additional money for a new license. Branch hereby acknowledges that their status as a net branch is exclusive to them and shall not be transferred or sold without written agreement from Company. It is further understood that this agreement may be modified, by mutual consent, over time. As a partnership, both parties agree to work together to find the optimum mutually beneficial arrangement and to make their best efforts to do so. Brian L. Peart President Nexus Financial Group, Inc. AKA Company Signature Print Name Company Name, AKA Branch Date Page 15 of 17

16 IRREVOCABLE AND NON-CANCELABLE NON-CIRCUMVENTION AND NON-DISCLOSURE AGREEMENT THE UNDERSIGNED PARTIES INTENDING TO BE LEGALLY BOUND DO HEREBY IRREVOCABLY AGREE: 1. NOT TO CIRCUMVENT, AVOID, BYPASS, OR OBVIATE EACH OTHER DIRECTLY OR INDIRECTLY. This agreement is to confirm that each of the undersigned signatories will not deal with any entity introduced by the other signatory without knowledge and written permission of the introducing signatory. Also included within this context is any entity in which a signatory has an interest. The parties confirm that the terms of this agreement expressly cover acts of negligence and inadvertent disclosure, which are a violation of this agreement. 2. NOT TO AVOID PAYMENT OF FEES OR COMMISSIONS. IN ANY TRANSACTION WITH ANY ENTITY, corporation partnership or individual revealed by either party to the other in connection with any project, service renewal, extension, re-negotiation, contract agreement, third party assignment, communication or conversation. Should the introducing party not be notified of any contact or should any non-signatory, their employees, agents, officers, partners, associates or consultants through direct or indirect introduction by a signatory result in successful placement of a transaction with any entity, person, company, firm, corporation, organization, the introducing signatory agrees and guarantees to pay any and all commissions and fees received by said signatory on any and all such transactions to the other signatory, unless otherwise agreed to in writing by the parties hereto. 3. NOT to disclose or otherwise reveal to any third party any confidential information provided by the other, particularly that concerning lenders, sellers, borrowers, buyers names, bank information, codes, references and/or any such information advised to the other as being confidential or privileged without the written consent of the other. It is agreed and understood that each signatory agrees to keep confidential the names, addresses, telephone numbers, tax numbers and fax numbers of any contacts introduced by the other signatory, unless prior written permission is given by the introducing signatory. 4. This agreement shall be for a period of three (3) years and is irrevocable and non-cancelable. It is to be applied to any and all transactions, past, present and future, of the introducing signatories regardless of the success of the project. The signatories agree that the identities of only the parties who are introduced under this agreement are currently, and shall forever remain, the proprietary asset of the introducing signatory. 5. This agreement shall be binding on the parties hereunder signed, their successors and assigns. The signatories confirm by execution of this agreement that any company, firm, corporation, partnership, organization or entity o which they are an employee, member, officer, partner, or agent, is bound by this agreement Page 16 of 17

17 All moneys due and owing from any client transaction undertaken by both parties will be irrevocably and unconditionally guaranteed to be paid without legal impediment upon request. If any ambiguity arises concerning the amount of damages, Liquidated damages will be $10,000 per violation. 6. Should violation, disagreement or dispute occur between contracting parties arising out of, or Connected with this agreement, which cannot be adjusted by and between the parties involved, the disputed disagreement shall be submitted to the American Arbitration Association located in Georgia and all parties agree to abide by the decision of the referees of said Association. Judgment, upon award, may be entered in any court having jurisdiction thereof. 7. In the event of any conflict between the terms if this Agreement and any Loan Authorization Agreement, the terms of the Loan Authorization Agreement shall prevail In the event that either of the parties resorts to legal action against the other, the prevailing party shall be entitled to reimbursement from the other party for all reasonable attorney fees and other Costs incurred in such action. This agreement shall be construed and enforced in accordance with the applicable laws and Regulations of the State of Georgia and of the United States in Gwinnett County Georgia. 8. In the event any one or more of the provisions of this agreement shall, for any reason, be held to be invalid, illegal, or unenforceable, the remainder of this agreement shall not be affected thereby. 9. This agreement contains the entire agreement and understanding concerning the subject matter hereof and supersedes and repatriates all prior negotiations and proposed agreements, written, or oral. Neither of the parties may alter, amend, nor, modify this agreement except by an instrument in writing signed by both parties or their duly authorized representatives. 10. Additionally, the signatories agree that this instrument may be negotiated via telefax/facsimile/fax transmission, and the respective parties accept the signatures by fax as though they were original. BY OUR SIGNATURES WE CONFIRM WE HAVE FULL AUTHORITY TO EXECUTE THIS AGREEMENT AND OBLIGATE ALL COMPANIES, FIRMS, CORPORATIONS, PARTNERSHIPS, ORGANIZATIONS, INDIVIDUALS AND/OR ENTITIES REFERENCED HEREIN. Signature Date Please Print Name Company Name (Please print or type) Brian Peart, Nexus Financial Group Page 17 of 17 Date