Grandbridge Real Estate Capital. ULI Triangle February 17 th, 2011

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1 Grandbridge Real Estate Capital ULI Triangle February 17 th, 2011

2 Grandbridge National Scope Based in Charlotte, N.C., Grandbridge arranges permanent commercial and multifamily real estate loans, services loan portfolios, and provides asset and portfolio management as well as real estate brokerage services on a national basis, operating loan origination offices in 26 cities. The company has a broad capital provider base of more than 100 capital sources that includes insurance companies, CMBS lenders, pension fund advisors, and commercial banks, as well as a proprietary lending platform. Grandbridge is a Fannie Mae DUS (Delegated Underwriting and Servicing) lender, a Freddie Mac Program Plus Seller/Servicer and Targeted Affordable Housing lender, and an active participant in FHA-insured loan products as a MAP-approved multifamily lender and a LEAN-approved healthcare lender. Grandbridge is a S&P "Above Average" rated servicer, with a current servicing portfolio of more than $24 billion.

3 Grandbridge Office Locations Full-service offices located in: Atlanta, GA Birmingham, AL Charleston, SC Charlotte, NC Chicago, IL Columbus, OH Dallas, TX Ft. Lauderdale, FL Greenville, SC Houston, TX Indianapolis, IN Jacksonville, FL Kansas City, MO Louisville, KY Madison, WI Milwaukee, WI Minneapolis, MN Mobile, AL Naples, FL Nashville, TN Norfolk, VA Orlando, FL Pittsburgh, PA Raleigh, NC Tampa, FL Washington, D.C Servicing offices located in: Atlanta, GA Birmingham, AL Charlotte, NC Dallas, TX Houston, TX Indianapolis, IN Kansas City, MO Milwaukee, WI Minneapolis, MN Mobile, AL Orlando, FL Specialty offices located in: Atlanta, GA (Seniors Housing) Baltimore, MD (FHA Underwriting) Dallas, TX (Affordable Housing) Kansas City, MO (FHA Underwriting and Production) Denver, CO (FHA Underwriting)

4 Grandbridge Parent Company BB&T Facts and Figures BB&T Corporation, headquartered in Winston-Salem, N.C., is among the nation s top financial holding companies with $157.1 billion in assets. Its bank subsidiaries operate more than 1,800 financial centers in the Carolinas, Virginia, West Virginia, Kentucky, Georgia, Tennessee, Maryland, Florida, Alabama, Indiana, Texas and Washington, D.C. Rated one of country s safest and soundest financial institutions. More than 30,000 employees. BB&T s balance sheet also benefits Grandbridge s clients through certainty of available funds, reliability of escrow accounts and overall longevity. As Grandbridge is the lender of record and initial funding source for all loans, having a strong, healthy bank providing the funds for closing is critical to delivering in today s financial market.

5 Grandbridge Essentials Represents 100± Correspondent Lenders Insurance Companies CMBS Investors Banks Freddie Mac Program Plus Seller/Servicer and Targeted Affordable Housing Lender Fannie Mae DUS Lender FHA-Insured MAP- and LEAN-approved Lender / Ginnie Mae Issuer Specialty Product Groups Seniors Housing Lending Proprietary Lending BB&T Real Estate Finance Affordable Housing Lending S&P Above Average Rated Servicer Industry Position Servicers: Second in peer group Industry Position Originators: Fifth in peer group Loan Origination Offices: 26 Employees: 293± Loan Origination Professionals: 80±

6 Grandbridge Core Business Financing Options Grandbridge s broad investor base enables us to handle loan requests from $1 million to more than $250 million with competitive rates and a myriad of options for flexible loan structures. Financing executions provided include: Construction financing Bridge financing for acquisition and rehabilitation Permanent mortgage Supplemental mortgages Equity Bond credit enhancements

7 Grandbridge Production Production by Property Type Originated and closed 372 commercial and multifamily loans totalling $3.1 billion in Top 10 Fannie Mae Delegated Underwriting and Servicing (DUS ) Lender. The company received one of Fannie Mae s Leadership in Production awards at Fannie Mae s 2010 DUS Conference. Grandbridge successfully expanded its Freddie Mac license in 2010 which contributed to a 259% increase in production with Freddie Mac from the prior year. Historical Production Closings with insurance companies substantially increased from the prior year, with new originations ramping up to the $1 billion level.

8 Grandbridge Servicing Servicing by Property Type With a $24.3 billion dollar servicing portfolio, Grandbridge is within the top quartile of all servicers of GSE, HUD/Ginnie Mae, and insurance company loans nationwide. Grandbridge services 5,100 loans for 100 capital sources, including leading insurance companies, commercial banks, CMBS investors, pension fund advisors, credit companies, Fannie Mae, Freddie Mac, and FHA/Ginnie Mae investors. Historical Servicing

9 Grandbridge Seniors Housing Group Production Team Richard Thomas Senior Vice President Tim Hudgins Vice President Laura Wildsmith Analyst Ben Dupree - Servicing 40 years of combined seniors housing experience National Coverage, having closed transactions in most all lower 48 states. Since 2003 Production team has closed over $4.7 Billion in seniors housing loan, sales and advisory transactions.

10 Seniors Property Types / Acuity Spectrum SNF Assisted Living (incl. ALZ / Dementia - Memory Care ) Independent Living Communities Senior Apartments Active Adult Communities

11 Seniors Housing Group Historical Production ( ) Dollars # Properties Fannie Mae $2,865,000, Freddie Mac 1,075,000, Other (Life, CMBS, Banks, Bridge) 493,000, BB&T / BB&T REF Fund 25,000,000 2 Sales 259,000, Total $4,717,000,

12 Seniors Products Construction Financing Bridge Financing Permanent Financing Fannie Mae Freddie Mac FHA Life Companies REITS Equity Sales and Advisory Services

13 Fannie Mae / Freddie Mac - Fannie and Freddie are very active lenders in the seniors housing sector - Deals being underwritten conservatively LTV Acquisitions - 75% LTV Refinance 70% (cash out) to 75% (no cash out) Taxable and tax-exempt bond credit enhancement 80% LTV DSCR 1.30x for ILF and 1.40x for ALF DSCR increase for loan term less than 10 years.

14 Fannie Mae / Freddie Mac - Continued Recourse Requirements Non-recourse with standard bad boy carve-outs. Escrows The lender will likely require the collection of insurance, real estate tax and capex reserves. Amortization 30 yrs Loan Size $5 mm +. Largest completed transaction was a $646 mm multi-asset facility with Fannie Mae Eligible Borrowers - Experienced owners and Operators; minimum 5 years experience & 5 stabilized properties (with exceptions on a case by case basis) Property Seasoning (Fannie) Programmatically 90% occupied for Trailing 12 months for IL and 90% occupied for Trailing 15 months for AL/ MC. Reality is Fannie will come off this requirement for the right deal. Property Seasoning (Freddie) Programmatically 90% occupied for 3 consecutive months and open for 18 months (readily offset with credit enhancements). Reality is Freddie will come off this requirement for the right deal.

15 FHA For licensed buildings (assisted living and skilled nursing) Non-recourse No cash out Timing For a refinance it s a 35 yr loan For new construction it s a 40 yr loan term with the rate fixed when construction starts

16 Hot Buttons Sponsor Credit Net Worth / Liquidity / Global Cash Flow Existing Portfolio Performance Contingent Liabilities Portfolio Maturities (next 24 months) Property Condition

17 Fixed Rate Pricing Fannie Mae * 10 yr / 9.5 yr YM 6.20% 5 yr / 4.5 yr YM 5.20% Freddie Mac ** 10 yr / Defeasance 6.15% 5 yr / Defeasance 5.35% FHA Refinance (35 yr term) 3.85% New Construction (40 yr term) 5.25% * Assumes independent living facility. Add 30 bps for an assisted living facility. ** Assumes CME execution. Add approximately 45 bps for balance sheet execution. Pricing as of February 14 th, 2011 and is subject to change.

18 Representative Clients 12 Oaks Brookdale Senior Living Carlyle Group Chartwell REIT CNL Cornerstone REIT CSH Daniel Corp Emeritus Harvest Development Hawthorn Retirement HCP, Inc. Holiday Retirement Horizon Bay Kisco Senior Living Life Care Centers of America Merrill Gardens OZ Capital Prudential Real Estate Investors Senior Lifestyles Servant Healthcare Advisors Waltonwood Senior Living/Singh Development Sunshine Retirement Walton Street Capital Wilkinson Group

19 Representative Seniors Housing Opportunities Realized Various Locations $318,500, Properties 2,342 Units Credit Facility Westbury, NY $5,250, Units Supplemental Issaquah, WA $15,000, Units Refinance Redmond, WA $10,500, Units, 48 Beds Refinance Long Island, NY $173,400,000 5 Properties 640 Units Acquisition Various Locations $350,000, Properties 1,930 Units Credit Facility Yakima, WA $11,160, Units Refinance Insurance Company Portland, ME $8,750, Units Refinance Springfield, OR $13,165, Units Refinance Bank North Hills, NY $1,860, Units Supplemental Richmond, VA $7,700, Units w /98 Unit Expansion Supplemental Venice, FL $5,000, Units Supplemental Chattanooga, TN $5,700, Units Acquisition BB&T REF Fund Ft. Lauderdale, FL $5,000, Units Supplemental Cary, NC $25,480, Units Acquisition Various Locations $217,272, Properties 1,927 Units Acquisition

20 Contact Information Richard Thomas Tim Hudgins

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