OUR CONCEPT OUR EXPERTISE. An authorized CMHC Lender Correspondent

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1 OUR CONCEPT IC Funding Financial Corporation is an independent Lender Correspondent with approved CMHC status. As a financial intermediary, we originate and underwrite for numerous Life Insurance Companies, Pension Funds, Private Trusts and Banks, providing our clients a bridge to some of the largest institutional mortgage investors in Canada. This ensures our clients receive the best mortgage financing program available in the market place. By understanding your most important financing priorities, and through a wide variety of institutional capital sources, we are able to deliver a client oriented mortgage commitment to guarantee that you receive "the right deal... every time". Clients engage IC Funding to: assume responsibility for all aspects of the capital procurement process structure a successful capital program to best meet identified financing goals source the most appropriate capital for your project, ensuring a preferred loan amount, interest rate, terms and conditions advocate your financing request and completely manage the application process, including, loan negotiations, coordination of the approval, issuance of the commitment, legal instructions, all the way through to the advance of funds. OUR EXPERTISE We have spent a career connecting key decision-makers in the lending industry with institutional quality real estate projects to produce the right capital structure for each transaction. We have long-standing, proven relationships with a wide variety of institutional capital sources. This is strongly supported by a very close relationship with Canada Mortgage and Housing Corporation. As a result, we understand the subtle nuances in current lender attitudes, availability of capital and the ever changing underwriting guidelines that need to be met and taken into account at each important step of the process, to ensure your approval moves forward efficiently to the advance of funds. Over the past 4 years, we have provided clients across Ontario, a "bridge" to more than $1 billion in mortgage commitments, structured to satisfy their project financing requirements. From apartments to long term care/retirement facilities, industrial and commercial transactions, commitments have ranged in size from $1 to $60 million. Whether your financing goals are best satisfied through a conventional financing structure or a CMHC insured loan; a short-term floating rate through to permanent fixed rate terms from 5 to 20 years; our clients are guaranteed the best mortgage financing, structured to satisfy specific project goals. An authorized CMHC Lender Correspondent Getting to the right deal often is not about finding a lender to "fund" your project, but rather who you engage to manage the CMHC application process. As a CMHC approved Lender Correspondent, we are able to make direct submissions to CMHC, providing our clients with an "independent",

2 CMHC approval. This ensures your competitive advantage, whether sourcing new capital or negotiating a renewal with your existing Lender. We have daily interaction with CMHC on behalf of our clients and as a result, are kept current with CMHC underwriting guidelines, premium and application fee revisions to ensure that your application is not only complete, but receives the most expedient approval process. A negotiated, independent CMHC approval, with the best loan amount / CMHC Insurance premium structure, will result in the best lender mortgage commitment available in the market place. Our promise: Clients can expect: Simultaneous access to numerous institutional lenders to expedite a successful capital procurement process at the same or lesser cost than would be found with your current financial institution, but with better interest rates, terms and conditions, and less frustration. Instant credibility and a timely response from CMHC and our Lenders due to longstanding relationships and a complete understanding of their underwriting guidelines. An independent CMHC Certificate of Insurance provides you with flexibility in choosing the lender that best meets your set of project financing objectives. A client-oriented financing structure to ensure your mortgage commitment is tailored to satisfy your requirements, Honesty, integrity, creativity, experience and performance.all combined with the tenacity to deliver a commitment, structured for your success. What can our clients expect: "the right deal --- every time". OUR STAFF Greg Wood, Principal Hons. B.A., Economics/Urban Planning Greg is a principal of IC Funding Financial Corporation. Having worked for CMHC and mortgage lenders in Toronto and London, Greg has been a principal of independent lender correspondent organizations since Greg's corporate responsibilities include developing and maintaining lender relationships and deal structuring, with his financing activities focused on retirement residences and apartment buildings. Greg Wood Greg has successfully been in the Mortgage Lending and Investment Industry since He is a member of the Independent Mortgage Brokers Association and past Commercial Chairman of ORCA (Ontario Residential Communities Association), having served on the Board of Directors for 10 years.

3 Donald Stevens, Principal Hons. B.SC., Civil Engineering Don is a Principal of IC Funding Financial Corporation. As a former owner of 2 nursing/retirement facilities, serving 290 residents, Don uses his "hands-on" operations experience for the financial benefit of our clients. Don was the president of the ONHA in 1981/82 and chairman in 1986/87. Don has successfully spent 18 years in the Health Care Industry and since 1990 in the Financial Services Industry. Donald Stevens Don is a Director of Execulink Group Inc., Sifton Properties Ltd. and Equitable Life Insurance Company. He is a Past President of the Rotary Club of London and the London Hunt and Country Club. Murray Wood, Associate Murray was the founding principal of IC Funding Financial Corporation. Throughout his career, Murray has represented clients as an independent mortgage lender correspondent, financing all types of large loan capital projects, including redevelopment opportunities. Lender relationships established in support of those activities remain a significant benefit for his clients. Murray Wood Murray has successfully been in the Mortgage Lending Industry since Sandy Harrington, Associate Sandy has been an Associate with IC Funding Financial Corporation since With the benefit of his previous lending experience, Sandy provides his clients with successful strategies for their mortgage financing requirements. Refinancing existing buildings or project financing for new developments, Sandy serves a broad client base with mortgages for apartment, industrial and commercial properties. Sandy Harrington Sandy has successfully been in the Mortgage Lending and Finance Industry since 1986.

4 Michael Shamber, Associate Michael joined IC Funding, as an associate, in 2001, coming from his role as Vice President of Acquisitions for a publicly listed TSX company. Michael uses his previous experience in property acquisition, to assist his clients in maximizing the financial gains on their real estate portfolio, through properly structured institutional debt and private equity capital. On behalf of his developer clients, Michael focuses his lending activities on large loan development financing, multi-family residential financing and refinance / mezzanine capital. Michael Shamber Peter Roden, Associate Peter joined IC Funding Financial Corporation in January He previously owned an independent financial services company in the UK, concentrating on tax-efficient investment advice for high net worth clients. Peter returned to Canada after selling to a large chartered accountant firm, who integrated this business to launch their financial services division. Peter Roden Working closely with Sandy Harrington, Peter concentrates on expanding our business relationships, offering new clients capital solutions through innovative mortgage financing strategies. Michael Moore Michael Moore, Associate Hons. Bachelor of Commerce Michael joined IC Funding Financial Corporation in 2007, after 20 years in commercial banking. As a Director-Commercial Banking at a major Canadian chartered bank, Michael was responsible for debt transactions totaling over $1.5 billion. He was twice named the top performing commercial banker in Canada. Michael also held executive positions in privately held companies active in the retail industry and automotive sector where he was responsible for the creation and execution of process reengineering strategies and corporate affairs. He holds an Honours Bachelor of Commerce degree from the University of Windsor and has completed post graduate studies at Queens University. Michael is an integral team member working closely with Sandy Harrington in the origination of institutional quality loan applications.

5 Ethan Wood, Associate Ethan has been an Associate with IC Funding Financial Corporation since Working within the Health Care Group, Ethan focuses on building business relationships within the OHSNA Membership. Whether it s refinancing existing debt, acquisition financing or project financing for new developments, Ethan serves a broad client base, providing mortgage financing solutions for residential care homes, retirement residences and apartment buildings. Ethan Wood Ethan holds a Business/Marketing degree from Fanshawe College and works closely with both Don and Greg to ensure that his clients receive the right deal --- every time. IC Funding Financial Corporation Privacy Policy Canada s privacy laws are intended to ensure that businesses limit the collection of personal information to that which is required to provide the client with a product or service. Moreover, the privacy laws require that when a business has collected such personal information it take the necessary steps to safeguard that personal information. IC Funding Financial Corporation respects the privacy of individuals as set out by the Personal Information Protection and Electronic Documents Act. IC Funding Financial Corporation will not accept nor pass along any personal information without first having received authorization from each individual. IC Funding Financial Corporation Complaints Policy & Procedure Should a client or investor have a complaint, it must be reported to IC Funding Financial Corporation, in writing, by mail or to the following: Mr. Donald Stevens Chief Complaints Officer IC Funding Financial Corporation 747 Hyde Park Road Suite 100 London, ON N6H 3S3 (519) Ext. 133

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