The Trusted Name, WeCanLend.com

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2 Table of Contents THE OPPORTUNITY... 1 NEW REGULATIONS AND OPPORTUNE MARKET CONDITIONS... 1 WHAT YOU CAN EXPECT... 1 OUR EXECUTIVE TEAM... 2 KEY FEATURES OFFERING LOWER RISK & HIGHER RETURNS... 3 LENDING MATRIX FORECAST... 5 HANDS OFF INVESTING... 6 OUR OBJECTIVE... 6

3 Page 1 THE OPPORTUNITY Invest in First and Second mortgages in major urban cities across Canada and prominently in Ontario, British Columbia and Alberta. The real estate secured will include but is not limited to single family dwellings, town homes and multi-family units. NEW REGULATIONS & OPPORTUNE MARKET CONDITIONS The Financial Stability Board (FSB) has published Principles for Sound Residential Mortgage Underwriting Practices ( FSB Principles ), which call on all jurisdictions to ensure that entities that originate mortgages or own the resulting risk, including any entities involved in outsourcing of mortgage underwriting, adhere to the FSB Principles. This Guideline sets out OSFI s expectations for prudent residential mortgage underwriting, and is applicable to all federally regulated financial institutions (FRFIs) that are engaged in residential mortgage underwriting and/or the acquisition of residential mortgage loan assets in Canada. It complements relevant provisions of the Bank Act, Trust and Loan Companies Act, the Insurance Companies Act and the Cooperative Credit Associations Act, as well as the Government of Canada s mortgage insurance guarantee framework, which establishes the rules for government-backed insured mortgages. For the purpose of this Guideline, a residential mortgage includes any loan to an individual that is secured by residential property (i.e., one to four unit dwellings). Home equity lines of credit (HELOCs), equity loans and other such products that use residential property as security are also covered by this Guideline. In summary, this opens up a new window of opportunity for private mortgage lending companies as the new B20 and B21 regulations set by OSFI do not apply. This allows WCL Capital Group to provide services at a capacity not offered by any other lenders across the country. With the high number of self employed individuals in Canada as well as the individuals experiencing bruised credit that will be rejected for purchases and or equity take out refinances by all major Financial Institutions and Trust Companies, the newly introduced guidelines set by OSFI have restricted Financial Institutions and Trust Companies to an extent that private mortgage lending has become the new way to invest for high returns secured against valuable Canadian real estate. WHAT YOU CAN EXPECT WCL Capital Group is managed by experienced fund officers, with backgrounds in mortgage underwriting, origination, and administration. We maintain strict quality control on our mortgage investments as part of this program to provide the highest quality investment for our investors. With systems in place to mirror the success of major Financial Institutions as well as Trust Companies, our brand and business model is quickly becoming Canada s go to for alternative financing.

4 Page 2 OUR EXECUTIVE TEAM Nima Ahmadpour As President and CEO of WCL Capital Group, Nima maintains and oversees all aspects of infrastructure and is heavily involved with all divisions of the organization to sustain its continuous success and rapid growth. With over 14 years of experience in the financial sector and his extensive knowledge of both the Canadian and US mortgage industries; Nima s responsibilities include mapping and developing key strategic plans for integrating new services and revenue streams into the existing business model. Nima s experience with private mortgage lending as well as his previous corporate experiences with start up projects based out of Toronto and Scottsdale, Arizona with annual revenues netting in excess of 60 million dollars and overseeing more than 500 employees, it is a clear indication of where WCL Capital Group is heading as it continues to grow. nima@wecanlend.com Richard Earles Richard is a Managing Partner and the Director of Lending Operations at WCL Capital Group. His extensive experience growing a MIC (Mortgage Investment Corporation) based out of British Columbia from 89 million dollars to an astonishing 180 million dollar fund in the span of 4 years has been a definite asset and a key component of WCL Capital Group s rapid growth. Richard is responsible for broker focused marketing and business development and holds a submortgage broker s license in British Columbia as well as a mortgage agent s license in Ontario. He is also a voting member of the Mortgage Brokers Association of British Columbia, a corporate member of CAAMP (Canadian Association of Accredited Mortgage Professionals), and a voting member of the MIABC (Mortgage Investment Association of British Columbia). richard@wecanlend.com

5 Page 3 KEY FEATURES OFFERING LOWER RISK AND HIGHER RETURNS Target current annualized returns to Investors of 8% per annum Target gross internal rates of return between 10% to 15% Focus on conservative loan to values (85% and under) in major urban markets and select secondary urban and non urban markets (lower loan to values) Stricter government regulations have reduced the ability for financial institutions to provide home owners with secured loans Increased demand by credit worthy borrowers previously serviced by Financial Institutions and Trust Companies. As regulations continue to tighten up, the creditworthiness and financial covenant of our borrowers continues to improve ultimately lowering the risk to our investors LENDING MATRIX Mortgages will be placed in major urban cities across Canada as approved by WCL Management Outlier communities will be subject to strict local due diligence and lower loan to values minimizing the overall risk of the portfolio Major urban city loan to values never to exceed 85%, and minimum condominium square footage to be greater than 500 square feet Portfolio consisting of first and second mortgages in major urban centers All appraisals to be ordered from WCL Capital Group s approved list of appraisers All funded and registered mortgages will include a package consisting of the full application, credit report and appraisal adhering to the underwriting standards set by FSCO (Financial Services Commission of Ontario) WCL Capital Group s appointed solicitor is responsible for confirming mortgage balances, clearing title of current encumbrances, arranging title insurance, confirming ID, arranging and confirming fire insurance, as well as enforcing any power of sale proceedings in the case of a delinquent scenario

6 MAJOR CANADIAN BROKERAGES MAJOR TRUST COMPANIES MAJOR FINANCIAL INSTITUTIONS (ACCOUNTS RECEIVABLE) MORTGAGE BROKERS/AGENTS DIRECT CONSUMERS MARKETING INITIATIVES INVESTORS MORTGAGES RETURN TO INVESTOR

7 Page FORECAST First Mortgages 45% of Portfolio Rates will be set to keep a competitive edge in the market while delivering the returns indicated to our investors First mortgage rates not to exceed 9.99% Lender fees, admin fees and or any additional fees will be deducted directly from the proceeds and never capped on the mortgage amount unless the loan to value ratios are in line within our guideline WCL average first mortgage is $320,000 Second Mortgages - 55% of Portfolio Rates will be set to keep a competitive edge in the market while delivering the returns indicated to our investors Second mortgage rates not to exceed 12.99% Lender fees, admin fees and or any additional fees will be deducted directly from the proceeds and never capped on the mortgage amount unless the loan to value ratios are in line within our guideline WCL average second mortgage is $55,000

8 Page 6 TURN-KEY & HANDS OFF INVESTING Once an investment is made with WCL Capital Group, there is absolutely no management required on behalf of the investor. WCL Capital Group will handle the entire administration process from start to finish giving the investor their desired annual yield. WCL Capital Group s proven track record and delivering high single digit returns to investors is a simple and comfortable way of investing in the Canadian real estate market. OUR OBJECTIVE The opportunity for sub-prime mortgage lending in Canada has never been greater since the introduction of the B-20 and B-21 Guidelines. The restrictions put into place have affected all major Financial Institutions and Trust Companies significantly. The opportunity for unregulated private mortgage lending in Canada has presented itself and WCL Capital Group s objective is to continue to dominate the market and become a household name. WCL Capital Group has and will continue to acquire experienced and reputable personnel within the mortgage industry to ensure its rapid yet scalable growth requirements. Our brand recognition in the Canadian market has positioned our firm to be the lead generation funnel of the industry. Our existing referral partners include but are not limited to: Mortgage Brokers/Agents Major Mortgage Brokerages (Exclusivity Contracts) Royal Bank, Accounts Receivable TD Bank, Accounts Receivable CIBC, Accounts Receivable Scotiabank, Accounts Receivable Citi Financial, Accounts Receivable Real Estate Brokerages Marketing Initiatives WCL Capital Group would like to thank you in advance for your consideration and look forward to building a desirable yet conservative return on your investment while building a profitable yet sustainable business. WCL Capital Group Inc. T: F: info@wecanlend.com FSCO# Sampson Mews Suite 201, Toronto ON, M3C0H5