PRIVATE MONEY FINANCING LOAN PROGRAMS ARIZONA, NEVADA REHAB LOANS TYPES OF PROPERTIES

PRIVATE MONEY FINANCING LOAN PROGRAMS ARIZONA, NEVADA REHAB LOANS TYPES OF PROPERTIES Spec Cnstructin, Owner Occupied Builder, r Investr Rehab Flipper Residential/Multi Family/Cmmercial Prperty unfinished r under cnstructin with apprved plans TYPES OF BORROWERS/PURPOSE LOAN TERMS Owner Occupied and Nn Owner Occupied Exit Strategy at yur discretin: Refinance, Occupy r Sell the prperty upn cmpletin Purchase Mney + Cnstructin Refinance + Cnstructin Cash ut t Cnstructin Grund Up Cnstructin Cnstructin and Rehab Lan LTV up t 65% f future value Cnstructin lans up t $4.5 millin NET fr grund up r cnstructin cmpletin Lan decisin based n future appraised value nt purchased value Lan decisin based n the quality f the prject Reasnable Cnstructin Perids Flexible Disbursal Schedule N Prepayment Penalties Nn FICO driven INTEREST RESERVE OK Cde: FM3269RHC

PROGRAM 2 Private Mney Fast (Natinwide Jumb Cnstructin Lans) Prtfli Lenders Creative appraches t "Hard Mney" equity lending. N seasning requirements r cash ut limitatins. Simple Applicatin Prcess Fax us yur executive lan summary r 1003 Fast Answers Fast turnarund n expressin f interest. Setting the Standard fr "Hard Mney" Equity Lans Lan Amunts: $300,000 t $10,000,000 Lan t Value: Flexible Interest Rates: 9.99% t 11.99% Fees: 2 t 4 pints Lan Term: Up t 5 years Lien Psitin: First Prepayment Penalty: Nne Cde: NJC 1209 PROGRAM 3 NEVADA Investr Fix & Flip N Qualifying N Incme N Assets N Pints N Prepayment Penalty 18% Interest Only* 6 Mnth Term (Extensin Prvisins Available) Up t 80% Lan t Cst $1,000 Flat Fee * APR 18.93% assuming lan size f $250,000 Investr 1 2 Year Term N Qualifying N Incme N Assets 12.9% 15.9% Interest Only* Up t 75% LTV * APR 16.76% assuming lan size f $250,000; 15.9%, 4 pints Owner Occupied 70% Lan t Cst, exceptins t 80% 5 Year Term Freign Natinals N Prepayment Penalty Rates frm 12.99%* Incme / Assets Verified DTI up t 50% Appraisal & Title Insurance Required * APR 16.017% assuming lan size f $250,000 Investr Lans Owner Occupied Cnstructin Cmmercial Fix and Flip Trustee sales Shrt Sales Purchase Refinance Cash Out Land Lans Cde: ML0002HM

CONSTRUCTION FINANCING Prperty SFR stick built nly. Appraisal based n maximum five acres with clse, recent and similar sld cmparable; nn rural. Lan limits: $50K t $400K Credit scres: Use the lwest mid scre f applicants. Five year seasning n all BK s. N reprting freclsures, shrt sales r deeds in lieu. Terms All lans fr cnstructin term nly, nt permanent. Interest nly payments based n grss lan amunt, due mnthly. Subject t Builder apprval. Cnstructin budget apprval. General ntes N land payff. Add.5%+ t fee fr debt subrdinatin (apprved case by case). Lt must be free and clear. Stated incme available fr spec builders nly. Call fr details. 4506 tax frm required fr all prgrams. Call fr details. Cnstructin cmpletin prjects reviewed case by case nly; if apprved; brken pririty fee is typically $3,000. Cde: BSMK1965 PROGRAM 2 Cnstructin Lans Lan Amunts: Up t $6,000,000 Lan t Cst: Typically between 60 and 65% (LTC) Interest Rates: 9.99% Prepay Penalty: Nne FICO Scre Min: 625 Term: 12 24 mnths (depending upn cnstructin perid required Lien Psitin: 1st Idah, Nevada $2,000,000 Alaska, Oregn, Texas, Utah $3,000,000 Clrad, Hawaii $4,000,000 Califrnia, Washingtn $ 6,000,000 Cde: CASF1200G

PROGRAM 2 CONSTRUCTION & LAND LOAN PROGRAM NO Credit Checks NO Qualifying $25,000 t $10,000,000 12.9% 15.9% Mnthly Interest Only Payments* Lan fee f $900 3 Pints ($2,000 min) 6 24 Mnth Term (w/ extensin prvisins) Up t 70% Lan t Cst Lenders Title Plicy Required *APR f 13.9% (assuming 12.9%, 24 mnths) TYPES Land Banking / Optin Financing Raw Land Platted and Engineered Lts Imprved Lts Cmmercial Pads Cde: FC444LK1 APARTMENTS & MULTIFAMILY FINANCING OTHER PROGRAMS AVAILABLE Rates Starting at 8% t 13% Lan amunts $200,000 t $20,000,000 (Califrnia) Lan Amunt Natinwide: $1,000,000 t 20 Millin+ Interest Only Terms f 1, 2, 3, and 5 years Up t 75% LTV (75+ n Lans $2MM+) Recurse Prperty Types: Prperty: Office Buildings Apartment Cmplexes Senir Husing Mixed Use Prperties Hspitality Self Strage Industrial Buildings (Light) Retail Shps Strip Malls Shpping Centers Autmtive (n in grund lifts) Almst any incme generating cmmercial prperty Cde: CAACF3001

PROGRAM 2 Hard Mney Lan financing t $150k t 15 millin +, High LTVs. True equity based lending. N incme check available. ALL PROPERTY TYPES: COMMERCIAL, INVESTOR RESIDENTIAL, SUPER JUMBO $150,000 t $15,000,000 Natinwide All 50 States Bad credit OK fr all ur Bridge Mrtgage Lans All situatins cnsidered including bankruptcy, freclsure 24 Hur Apprvals Emergency Mrtgage Clsings Our Hard Mney Mrtgage Lan Prgram is designed fr quick clsings Hard Mney Bridge Lan rates are frm 11% 15% LTVs t 65% Cde: NSNWC1002 Our Hard Mney Mrtgage Lans are based n actual prperty/prject value Asset Based Lan Apprvals fr all ur Hard Mney Mrtgage Lans Updated Appraisal Ok IMMEDIATE SITE VISITS SENIOR / ASSISTED LIVING FINANCING This financing is NOT at HUD prgram. We have ne f the nly cnstructin lans fr Assisted Living Facilities that is nt dependent n HUD apprval. We have access t ALF funding frm $2,000,000 up t $50,000,000. The ideal range f funding where we see the mst success is frm $10,000,000 t $38,000,000. This exciting new prgram was designed t be an alternative t lengthy HUD prgrams. Assisted Living Facility Cnstructin Financing means that develpers can avid cstly delays assciated with HUD and USDA B&I prgrams! Avid the huge delays assciated with HUD apprvals N dealing with SBA 504 and CDC debentures and cmplicated funding strategies Deal with underwriters accustmed t the cnstructin lan prcess Draw requests, wrk rder changes and ther issues handled by prfessinals well versed in the needs f develpers and cnstructin lending.

Ppular markets fr Assisted Living Facility lending includes; Atlanta, GA, Phenix, AZ, Charltte, NC, Jacksnville, FL, Austin, TX and Greenville, SC, Dallas TX. Other markets include Raleigh, NC, Ashville, NC, San Dieg, CA, and Chicag, IL. Lans fr Assisted Living Facility Cnstructin can be btained in many markets but these seem t be very ppular. Mst business lans fr assisted living facilities are a cmbinatin f a cmmercial mrtgage and cmmercial business lan. Cnstructin financing fr Assisted Living Facilities usually takes n this cmbinatin with the cmmercial mrtgage funding the land develpment and building cnstructin funding and the business lan prviding the capital needed t get the equipment and business up and running. Cmmercial Lending s special Cnstructin Lan fr Assisted Living Facilities ffer: Lan Amunts: $10MM minimum, N max Lan t Cst 75% (LTC) Term: 5 7 Year Cnstructin t mini perm Amrtizatin: First 2 Years (cnstructin phase) is Interest nly, after that amrtizatin varies by strength f prject but mst prjects will receive 25 year amrtizatin perid. Rate: Variable r Fixed ptins Variable is WSJ Prime plus rughly 250bp r Fixed rate range is 6 7% Prepayment Penalty: Nne Recurse: Sme Persnal Guarantee typically required hwever this is negtiable depending n strength f deal. Spnsr can als Buy Dwn the recurse with higher Equity Participatin (lwer LTC) Lans that pay dividends fr yur business. We have all types f lans fr assisted living facilities and financing fr medical ffice buildings. Develpment lans, cnstructin lans, cmmercial business lans and Assisted Living Facility Purchase lans. Business lans fr medical ffice buildings and assisted living when cmbined with a small business lan r with equipment financing is ur specialty and we get them dne even when banks have said NO! Cde: DdAht220

PROGRAM 2 SBA, CONVENTIONAL, FHA AND FANNIE MAE financing all ver the United States fr many types f Senir Living Prperties t meet the needs f ur aging ppulatin. *Rates starting at 3.25% **FHA PROGRAMS AT BOTTOM OF PAGE Lans frm $500,000 t (N Lan Limit) Purchase Up t 83% LTV Refinance Up t 80% LTV New Cnstructin Up t 80% LTCst (HUD) Up t 75% LTC Cnventinal Rehabilitatin Up t 83.3% LTCst Skilled Full Care Nursing Facilities Assisted Living Independent Living Senir Husing Adult Day Care Hspitals Other specialty care facilities Lcatins: Natinwide All 50 states Amrtizatin: 20,25,30,35, and 40 years FHA cnstructin lans cnvert int a 40 year, fully amrtizing fixed rate lan Lan t Value: 70 83.3% LTV Debt Service: DSCR n healthcare prperties is as lw as 1.2% Nn Recurse: Recurse lans usually nt required except fr SBA Lans and cnstructin (NO PERSONAL LIABILITY AND NO PERSONAL TAX RETURNS) Assumable: Yes, subject t lender apprval LOAN PROGRAMS (1) Healthcare Acquisitin r Refinance HUD 232 223 (f) *$4 MM minimum Lan n maximum* Healthcare New Cnstructin r Rehab HUD 232 FHA Sr Assisted Living Sizing Spread Sheet (Excel) Fannie Mae Senir Living Husing *$2 MM minimum lan n maximum* (2) Fannie Mae Senirs Husing Financing Infrmatin (3) SBA Assisted Living *$500,000 minimum lan* SBA 7a Lans ($5 MM maximum lan amunt) SBA 504 (Maximum Lan $12 MM) MUST BE OWNER OPERATED Up t 90% LTV (4) Cnventinal $1 MM minimum Cde: NCPSLALNW

HOTELS FINANCING Bridge Financing Bridge lans typically include, but are nt limited t, pprtunistic investment transactins fr mispriced assets with substantial upside thrugh turnarund situatins, discunted payff and discunted nte acquisitins. NOTE FINANCING First mrtgage capital fr htel wners r investrs t maximize returns thrugh the acquisitin f distressed debt secured by hspitality assets. Help a spnsr lking t acquire a distressed nte t get t the asset in the mst expedient manner, r t wrk ut the lan t maximize the investment return. MEZZANINE DEBT FINANCING They are ideal fr pprtunistic purchases t minimize the direct cmmn equity required, recapitalizatins, financing PIPs and refinances where the principal amunt currently wed is higher than what senir debt lan cmmitments can be btained. DISCOUNTED PAYOFF (DPO) FINANCING Shrt t medium term first mrtgage capital t spnsrs repurchasing their existing debt at a discunt t right size the amunt f debt n the asset. FIRST MORTGAGE BRIDGE LOAN PROGRAM REQUIREMENTS Eligible Cllateral: Typically branded, interir crridr, limited, select, and full service htels with between 75 and 300 keys, and nte purchases secured by same. Eligible Lcatins: Cntinental U.S. Purpse: Purchase, refinance, discunted payff, recapitalizatin, cnstructin cmpletin, nte purchase, etc. Transactin Sizes: $1 millin t $20 millin, higher n a case by case basis. LTV: Up t 70% f "as is" appraised value r actual purchase price. Security: First mrtgage lien n the subject prperty(s), assignment f all permits and apprvals, assignment f leases, UCC filing, r assignment and security interest in same n nte purchases. Ownership: Single asset, special purpse entity. Cmmitment Depsit: 1% f lan amunt (minimum $15,000) payable upn acceptance f Lan Cmmitment fr full underwriting, due diligence, site inspectin, 3rd party reprts, legal, title wrk, dcument preparatin, cmfrt letter, and clsing csts. Prepayment: 6 mnth interest guarantee. Interest Rate: Rates starting at 9.9% interest nly. DSC / Debt Service: <1 based n interest nly acceptable with quality pr frma & turnarund plan Recurse: Full persnal guaranty f spnsrs. Nn recurse available with cmpensating factrs. Lan Term: 1 5 yrs. Reserves: Real estate taxes, hazard insurance, replacement reserves, and mrtgage interest may be required. Underwriting Cnsideratins: Heavy emphasis n new equity capital t be funded in cnnectin with lan r additinal cllateral, cncentratin n value creatin, market analysis, spnsrship, and exit strategy. Third Party Reprts: MAI Appraisal, Phase I envirnmental, feasibility and thers if required r rdered by Lender at expense f Brrwer. Clsing Time: 2 t 3 weeks frm receipt f full package, applicatin acceptance and depsit remittance. Cde: HCDL193a

PROGRAM 2 Partners with wners by injecting capital int htel real estate and taking a passive preferred equity wnership stake. Preferred Equity Prgram Requirements Eligible Cllateral: Typically branded, interir crridr, limited, select, and full service htels between 75 and 300 keys, and nte purchases secured by same. Eligible Lcatins: Cntinental U.S. Purpse: Purchase, refinance, discunted payff, recapitalizatin, cnstructin cmpletin, nte purchase, etc. Transactin Sizes: Typically $1,000,000 t $10 millin, higher n a case by case basis Ownership: Single asset, special purpse entity. Preferred Equity Return: Typically a current pay rate + a percentage f wnership and assciated cash flw that varies accrding t prject plan & available cash flw. Minimum Levered IRR target: Varies per transactin. Minimum NOI %: Depends n market/prperty type/brand/etc. Cmmitment Depsit: 1% f preferred equity amunt (minimum $20,000) payable upn acceptance f Preferred Equity Term Sheet fr site inspectin, 3rd party csts, legal and clsing csts. Any remainder credited at clsing, r refunded in the event the deal is nt apprved. Buy/Sell Agreement: T be defined in the perating agreement Preferred Term: 3 5 yrs. Reserves: Real estate taxes, hazard insurance, replacement reserves, and mrtgage interest may be required. Underwriting Cnsideratins: Heavy emphasis n value creatin, market analysis, spnsrship, and exit strategy. Third Party Reprts: MAI Appraisal, Phase I envirnmental, feasibility and thers if required at expense f Spnsr. Spnsr Prmte: Occurs after specified IRR hurdles are met and tiered based n the success f the investment. Clsing Time: As early as 30 days frm receipt f full package, applicatin acceptance and depsit remittance. Cde: CHPE1665D

PROGRAM 3 We can prvide the best htel financing fr prperties wrldwide. Lan amunts n htel lans can range frm $500,000 t $1.3 billin. Fixed rates n htel lans are als available as well as htel lans with adjustable rates. Debt cverage ratis fr htel lans start at 1.10 and up. HOTEL PROGRAM PARAMETERS Lan Term: Lan maturities are nrmally ten years. Other maturities will be determined based n yur specific case. Lan Amrtizatin: 25 and 30 year amrtizatin Debt Service Cverage Rati (DSCR): DSCR f 1.35:1 dependent upn prperty type, physical cnditin, age, lcatin and cmpetitiveness f market psitin Lan t Value Rati: Up t 70% with Limited Service r up t 80% with Full Service f MAI appraised value cnfrming t FIRREA and USAO guidelines and up t 75% with limited service r up t 85% (full service) f lan t acquisitin cst (if applicable). Lan Escrws: The brrwer will typically cntribute mnthly t an escrw accunt fr real estate taxes and prperty insurance. The brrwer will usually als establish a mnthly capital replacement escrw reserve equal t the greater f I. 4 % f grss revenues r II an amunt t be determined by DBMC n the basis f an engineering reprt and DBMC s site inspectin. These reserves may be waived r capped depending n yur situatin. Cde: THLHLWLDW1 PROGRAM 4 Nn Recurse Purchase: $3 MM and up lan amunts 5 10 year term 15 30 year amrtizatin DSC 1.5 70% LTV Flagged Limited & Full Service, Extended Stay Experienced peratrs Recurse Purchase $500 K Minimum Lan A. Purchase existing perating prperty May include:. Land / Building / Equipment / Gd Will. Operating Capital. Existing business B. Up t 85% CLTV SBA lan

$500 K t $15 MM C. Requires a Star Reprt Refinance A. Rate and term B. Cash ut C. Requires a Star Reprt Cnstructin $3 MM minimum Land purchase Cnstructin cst Equipment Interest nly One time clse cnstructin t permanent lan Requires a Star Reprt and Feasibility Study Bridge and Rehab Lans (fr nn stabilized prperties) 1. Purchase 2. Rehab 3. FOREIGN NATIONALS Cde: NCPHM COMMERCIAL REAL ESTATE FINANCING We Finance: Raw Land and Cmmercial Prperties! Prperty Type: Land and all cmmercial prperties. Residential lans in the Dallas market Lan Size: $100,000 up t $2,500,000+ Lan Term: 12 mnths Extensins are available Interest Rate: 14 17% Amrtizatin: Interest nly Mnthly Payments Lan t Value: Up t 65% Clsing Terms: We can clse in 5 7 business days Cde: DELCOM13

PROGRAM 2 Cmmercial Office Retail Hspitality Multi Family Industrial Strage Residential Single Family Cndminiums Owner Occupied & Nn Owner Occupied Canadian citizens special financing prgram Land Lt Banking Imprved Lts Platted and Engineered Lts Cmmercial Pads Raw Land Special Purpse Financing Mezzanine lans Participatin lans Jint Venture lans Terms and Cnditins Lan size: $100,000 t $10.0 millin Interest rate: 9% 15% Pints: 0 4 Lan t Value: Up t 65% Terms: 12 mnth t 60 mnths Cde: NCI349789

PROGRAM 3 FINANCING OPTIONS FOR THE FOLLOWING: ARIZONA Raw Land Fix and Flip Lans Acquisitin and Develpment Cmmercial Real Estate including ffice, retail, and multifamily, industrial, mini strage. Residential real estate including single family, wner ccupied, fix and flips. LOAN TYPES Purchase mney fr acquisitin Cash Out Re finance / Debt restructuring Bridge financing Cnstructin lans Nte purchases TERMS AND CONDITIONS Lan size: $30,000 t $3 millin Interest rate: Frm %9.99 Pints: 2% and up Term: 3 mnths t 10 years Amrtizatin: Interest nly r Fully Amrtizing Lan t value: up t 70%. Lan t value: up t 70% (up t 80% ltv fr "fix and flip") Cde: CPAZ668HM BRIDGE LOANS Lan Amunt Natinwide*: $1,000,000 t 20 Millin+ *Califrnia Hard Mney: $200,000 t $20 Millin+ Interest Rates depending n equity: 8% t 13% Terms f 1, 2, 3 and 5 yrs. Up t 70% ltv (75%+ n lans $2MM+) Originatin fees 3 t 6pts Mst hard mney lans are recurse Prperty: Office Buildings Apartment Cmplexes Senir Husing Mixed Use Prperties Hspitality Self Strage Industrial Buildings (Light) Retail Shps Strip Malls Shpping Centers Autmtive (n in grund lifts) Almst any incme generating cmmercial prperty Cmmn uses: Purchase Lan Nte Purchase Pre Cnstructin Add Value Repsitining Partner Buy Outs Tenant Imprvements Debt Cnslidatin Pay Tax Authrities Cde: CAACF3001

CONVENTIONAL CONSTRUCTION FINANCING Cnventinal Cnstructin Lans ($2 MM minimum lan amunt N Maximum) Up t 80% LTV (*Cmpleted Value nt cst) Senir Living and Assisted Living facilities thers Cntact us fr details Rehab Up t 65% ARV (*Cmpleted value nt cst) Sr. and ALF Multifamily Htels and Mtels Must be flagged / Full service nly Terms 12 mnths t 25 years Interest nly during cnstructin / Amrtizatin after cmpletin Gegraphic Lcatins / Majr metrplitan areas in US nly Lan Type Structured as first lan Mnthly Draw * Lan amunts based n pr frma stabilized value. Cde: NCPCON13V PROGRAM 2 Cnventinal Financing fr Cmmercial Cnstructin lans Natinwide. Frm $500,000 t 50M + and Up t 100% LTC 75% 80% LTV. Prperty types and Lcatins Mst Cmmercial prperty types are cnsidered Must be in the path f grwth Greater than 15,000 ppulatin is preferred Cmmercial "fr lease" prperties Apartment Assisted care Self Strage Mbile Hme Parks Warehuse Office Retail Medical Single tenant cnsidered n case by case basis The Offer Prime plus.5 1% 12 18 mnth cnstructin term One time clse Cnverts t 3 yr. mini r 10yr perm at the end f cnstructin 2 3% lender fee Prperty must underwrite at 1:1 rati at clsing Typical year pre pay penalty Typical Brrwer Prfile Builder Develper Investr Experienced Prfessinal Requires strng brrwer credit net wrth liquidity Has several prjects in the wrks Bad credit will nt be turned dwn if yu have cash in the deal Next Steps Executive summary explaining the deal n paper Lcatin map Fixed price cnstructin cntract Pr frma prjectins Current Financials last 3 years persnal and crprate tax returns Resume f principals Purchase cntract Architectural renderings These are the straight frward cnstructin finance guidelines fr prperties such as Mbile hme parks, self strage, apartments, retail strip centers, warehuse, ffice and assisted care facilities Natinwide. Cde: DM155LCC

LAND RAW LAND Eligible Prperties: Purchase Refinance Cash ut Bank wned, REO prperties, ballning ntes, Trust deed, mrtgages Minimum Lan Size: $500,000 $5,000,000 Pricing: 12.99% 14.99% Interest nly 6% 8% Originatin pints (paid at clsing) Lan Terms: 12 36 mnths frm initial investment Prepayment Penalty: Nne Persnal Guarantees: NO Nn recurse frmat Lan t Value: 50% AS IS maximum LTV As cmpleted LTV is nt typically cnsidered New Equity (cash) Requirements: Typically n new cash fr Refinance r cash ut Purchase minimum 40% f ttal purchase price Third Party Reprts: Appraisal Cllateral value pinin Reliable Phase I envirnmental reprt (lder reprt can be used if prperty des nt display bvius signs) DML Prperty inspectin (required) ALTA land survey Preliminary Submissin Package fr Residential Land Lans: 1. Well written summary f the prperty descriptin, current entitlement status and gals 2. Representative clr aerial phtgraphs (6 7 preferred) 3. Surces & uses 4. Spnsr(s) resume Cde: DM155RLan PROGRAM 2 Jint Venture Land Lans Eligible Prperties: Bank wned, REO prperties, stalled residential subdivisins, ballning ntes, verleveraged prperties, discunted ntes frm banks, thrifts, pensin funds, etc. Minimum Lan Size: $2,000,000 $10,000,000+ Pricing: Target IRR 25% 35% includes management fees, with an upside ptential Lan Terms: 12 48 mnths frm initial investment Prepayment Penalty: Nne typically Persnal Guarantees: NO Nn recurse frmat Lan t Value: 55% AS IS maximum LTV As cmpleted LTV may be cnsidered n a case by case situatin New Equity (cash) Requirements: NO 100% financing Develper Minimum new equity CASH injectin 10% 20% f ttal prjected cst Third Party Reprts: Appraisal Cllateral value pinin Reliable Phase I envirnmental reprt (lder reprt can be used if prperty des nt display bvius signs)

DML Prperty inspectin (required) ALTA land survey Preliminary Submissin Package fr Jint Venture Land Lans: 1. Prperty descriptin, address, & current debt structure 2. Well written summary f the gals 3. Representative clr aerial phtgraphs r lder appraisal 4. Pr frma 5. Surces & uses 6. Spnsr(s) resume Cde: DM155JVLan PROGRAM 3 Hard Mney Land Eligible Prperties: Purchase Refinance Cash ut Bank wned, REO prperties, Stalled PUD's, ballning ntes Minimum Lan Size: $1,000,000 $15,000,000+ Pricing: 12.99% 14.99% Interest nly 5% 8% Originatin pints (paid at clsing) Lan Terms: 12 36 mnths frm initial investment Prepayment Penalty: Nne Persnal Guarantees: NO Nn recurse frmat Lan t Value: 50% AS IS maximum LTV As cmpleted LTV is nt cnsidered New Equity (cash) Requirements: NO 100% financing Develper Minimum new equity CASH injectin 10% 20% f ttal prjected cst Third Party Reprts: Appraisal Cllateral value pinin Reliable Phase I envirnmental reprt (lder reprt can be used if prperty des nt display bvius signs) DML Prperty inspectin (required) ALTA land survey Preliminary Submissin Package fr Jint Venture Land Lans: 1. Prperty descriptin, address, & current debt structure 2. Well written summary f the gals 3. Representative clr aerial phtgraphs r lder appraisal 4. Pr frma 5. Surces & uses 6. Spnsr(s) resume Cde: DM155HMLan

NATIONWIDE Lan Parameters fr Cmmercial Prperties Lan Size: $50,000 t $50,000,000 Lan Size: $50,000 t $50,000,000 Lending Area: Natinwide Term: 1 3 Years Prperty Type: All Cmmercial Prperties Including Multi Family & Mixed Use 1st & 2nd Trust Deeds Interest Rates: 8.5% 12% (Rates influenced by LTV & cllateral type) Lan t Value: Up t 60% Amrtizatin: Interest Only & Principal and Interest Available Originatin Fee: 2% 4% Taken at Clsing Frm Lan Prceeds Clsing Terms: Clsings in as Quick as 5 Business Days N Up Frnt Fees: Unless Appraisal r Phase 1 is Needed Cde: BLCAcmUS PROGRAM 2 Fast Funding n all types f prjects Incme Prperties Shrt Term Bridge Lans Refinance and r cash ut Htels, ffice building, gas statins Funeral hmes and restaurants Raw land Cnstructin lans Acquisitin and develpment Terms Lans frm 500K t 20MM Can prvide cmmitment letters in 24hurs Fast clsing Shrt term t lng term financing Aggressive rates Lan Requirements Guidelines cme dwn t the asset details, we need t have a lan t value rati that makes sense in rder t lend n. N pages f frms, just need the details, and the lans needs t make sense. N credit requirements N incme requirements N prepayment penalty N strict guidelines Lan must be transparent Cde: JNW752wld

DEBT, EQUITY AND JOINT VENTURES Jint Venture/Preferred Equity Financing Seeking t make passive, preferred equity investments. Funds can be used fr: Cmplete real estate develpments Repsitin prperties Pay dwn existing financing Take advantage f special pprtunities Acquire trubled real estate Acquire mrtgage debt at a discunt Buy ut partners THE INFORMATION BELOW PROVIDES A GENERAL OUTLINE OF OUR JOINT VENTURE/PREFERRED EQUITY PROGRAM. Investment Amunt: $500,000 minimum, n maximum Investment Structure: Preferred membership interest in the develpment entity Preferred Return: 12% per annum, cumulative frm investment date Cmmn Interests: We receive a 40 50% cmmn membership interest in the develpment entity fr a nminal amunt, in cnsideratin fr ur investing in yur prject. Spnsr Cntributin: Apprximately 15% t 20% f ur equity investment fr which the spnsr receives a preferred interest similar t urs, but subrdinate t ur interest. Develpment Entity Distributins: Net cash flw frm the peratin and resale f the prject will be applied in the fllwing manner: a) Pay debt service n any prject related lans; b) Pay cumulative preferred return n ur preferred membership interest c) Redeem ur firm s preferred membership interest; Term f Investment: Maximum 5 years Prduct Types: All real estate, except land Market: Natinwide Decisin Making: Majr decisins (e.g. terminatin f manager, sale, r refinance) require ur apprval Recurse: Nn recurse, except fr standard carve uts. A cmpletin guaranty may be required n majr develpment r rehab prjects Clsing: Typically, 4 weeks. Hwever, as fast as 10 days frm the date f receipt f all requested due diligence items. Underwriting Requirement: All final submissins must include an Argus Valuatin DCF data file. If yu (r yur client) have nt mdeled yur submitted prject in Argus Valuatin DCF, yu must engage us r a third party t mdel yur prject. Hwever, n a preliminary basis, please feel free t submit yur prfrma in any frmat. Cde: NLJVEQNW

PROGRAM 2 Jint Venture Financing Jint venture financing is similar t a partnership in that it must be created by agreement between the parties t share in the lsses and prfits f the venture. Even thugh ur clients may nt start ut lking fr partners, they recgnize the value f sharing equity ver "straight" debt financing. As a result, thrugh jint venture financing, ur Clients can reduce the amunt f their persnal capital at risk but still fcus n the gal t get their prject funded. In sme cases, jint venture financing may be the nly way t get the prject funded. ELIGIBLE PROJECTS We will cnsider Multifamily, Retail, Industrial, Office, Residential Develpment, Hspitality and Cndminium prjects fr the fllwing types f investments: Develpment Recapitalizatins Renvatins Acquisitins Refinance ELIGIBLE PROPERTY LOCATIONS We wrk n prjects in all 50 states as well as internatinally DEAL SIZE $10,000,000 t $1 Billin+ HOLDING PERIODS 1 5 Years. Prject duratins will affect risk adjustments in pricing INVESTMENT AMOUNTS Amunts up t 100% financing TARGET PROFIT PARTICIPATION Depending n prject dynamics, spnsr suitability and deal structure lender will target between 25% and 75% prfit participatin Cde: VETJV106Nw

PROGRAM 3 Equity Participatin Capital can be arranged fr equity financing accrding t the fllwing underwriting guidelines: ELIGIBLE PROJECTS Multifamily, Retail, Industrial, Office, Residential Develpment, Hspitality, Student Husing, and Cndminium prjects fr the fllwing types f investments: Develpment Recapitalizatins Renvatins Acquisitins Refinance/Cash Out ELIGIBLE PROPERTY LOCATIONS All 50 states and internatinally MINIMUM DEAL SIZE $2.0M HOLDING PERIODS 1 5 Years. Prject duratins will affect risk adjustments in pricing INVESTMENT AMOUNTS Up t 95% f the required equity amunt. We like t see spnsr cntributins f between 5% and 10% TARGET RETURNS Depending n prject dynamics, spnsr suitability and deal structure lender will target between 15% and 49% returns DEAL STRUCTURE Preferred return: 8 12% Tiered Returns: Ownership percentages are based upn mutually established hurdle rates r benchmarks designed t effect the target returns utlined abve Cde: VETEQ106Nw

PROGRAM 4 Jint venture equity, preferred equity, mezzanine debt, and participating debt t qualified perating partners fr acquisitin, repsitining, develpment, nte purchases, r recapitalizatin f cmmercial and residential real estate. Due t the discretinary nature f ur funds, we can respnd quickly t investments and clse n an expedited basis. General investment parameters: Transactin Size: Up t $50,000,000 Investment Amunt: Up t $8,000,000 Investment Percent: Up t 100% f required equity capital Investment Hrizn: Up t 8 years Preferred Return: 9% t 15% Operating Partner Prmte: Reflects prject characteristics Investment Lcatin: Western United States Prduct Type: All Prduct Types Investment Type: Value Add Acquisitin Recapitalizatin Bank Nte Purchase Sale Leaseback Repsitining Grund up Develpment Cde: HCNW8989 HARD MONEY COMMERCIAL Private Mney Lan Prgrams We understand that ur brrwers require mney t reach their gals and we are able t help in the purchase f their dream hme r funding f their cnstructin prject. We will never allw a brrwer t take a lan that is nt a beneficial financial mve. Rehab & Acquisitin lans up t 65% lan t cst Interest nly payments with n prepayment penalty N up frnt r junk fees cllected. Same day pre apprval letters Clse in 5 7 days N minimum credit scre / we are a direct lender We wrk with freign natinals Guidelines Our hard mney lan guidelines are straight frward and easy t understand. We fcus n the cllateral value f the prperty and the brrwer s ability t repay the lan. Typically we will lend up t 65% f the acquisitin cst and market value as determined by an appraisal r by ur evaluatin mdel. We structure hard mney lans in Nevada fr many different types f lan requests, including: Residential investment Cmmercial Multi Family Cnstructin Fix and Flip Freign brrwers Cde: MPNUYT01

PROGRAM 2 NEVADA Cmmercial Lan Brrwer Criteria Types f Lans We ffer the fllwing lan types: Acquisitin f distressed assets frm reginal banks, the FDIC, and ther lenders Residential r Cmmercial Acquisitin & Refinancing Develpment & Cnstructin Bridge Lans & Incme Prducing Prperties Underwriting Criteria We lend within the fllwing lan t value rati ranges depending upn prperty type, lcatin and ther relevant factrs assciated with the prperty. Land Acquisitin up t 60% f the acquisitin value f the land Develpment up t 65% Cnstructin up t 75% We practively request infrmatin nt nly t better serve ur Brrwers, but als t prvide Investrs with an verview f the Brrwing Entity and strength f the Guarantr(s). Dcumentatin Requirements The fllwing are sme examples f infrmatin required fr each lan: Detailed descriptin f the lan request Exit strategy Preliminary Title Reprt Purchase r ptin agreement fr the prperty Dcumentatin fr Brrwer entity (Articles f Incrpratin, Operating Agreement, etc.) Current Appraisal f the prject General liability r hazard insurance Current Financial Statements and tw mst recent tax returns fr the Brrwer and Guarantr(s) If applicable: Phase I Envirnmental Reprt Design plans fr the prject Cnstructin cst breakdwn Interest Rates Depending n the lan type, interest rates typically vary between 12% and 14%. Pints Pints vary depending n the prject and range frm 2.0% t 6.0%. Term Lan terms are generally between 6 t 12 mnths. Extensins may be ffered subject t additinal fees. Lnger term lans are cnsidered n the verall prject viability and strength f the guarantrs. Persnal Guaranty Persnal Guarantr(s) are required n mst lans. Lan Size Lan size may vary between $500,000 t $15 millin. Cde: SCCM7970A

FINANCING FOR LAWYERS ACCOUNTANTS AND INSURANCE Financing fr Attrney Practices, Accunting Practices, Engineering Practices and insurance Practices using special lans designed fr these types f businesses. Service prfessinals are busy peple that need and deserve special services. An easy step by step apprach that leads t success fr the prfessinals we assist. With 85 90% financing fr lawyers and ther lans fr accunting practices we are helping build and grw all kinds f practices frm Atlanta, GA all the way t Phenix, AZ and acrss this great natin. We meet the needs f ur client by prviding them with: OUR PROGRAMS OFFER:» Sme f the lwest rates, fixed fr extended perids.» 85 90% financing fr medical practices f all types» Terms fr fixed rates frm 5 10 years» Add real estate t yu medical lan and get up t 25 year amrtizatin» Lw and flexible prepayment penalties with the ability t buy dwn the term» Lw verall lan csts and 0 due diligence fees! Available in Atlanta, GA; Phenix, AZ; r any ther majr city in the USA Lans can be used fr: DEBT CONSOLIDATION LOANS FOR ATTORNEY, ACCOUNTANT, ENGINEER AND INSURANCE PRACTICES: Use ur prfessinal service practice lan t cnslidate many different lans including lingering cllege tuitin and lans used t upgrade equipment and lans used t finance the purchase ther practices. This business lan is a great way t slidify yur prfessinal services practice. 90% FOR PROFESSIONAL SERVICES PRACTICE ACQUISITIONS: Use Practice Acquisitin Financing fr service prfessinals t finance the purchase f ther practices r t finance the buyut existing partners. As a general business lender, we are very familiar with the time lines invlved with sensitive business purchases! EXPAND, UPGRADE OR REMODEL OFFICE BUILDING: Purchase mre mdern equipment r purchase a larger building as part f financing a practice acquisitin. Special financing fr attrneys, accuntants, engineers and insurance practices helps create efficiencies in the system and lwer csts fr all f us. We are prud t ffer financing fr prfessinal services practices. BUILDING PURCHASE LOANS FOR PROFESSIONAL SERVICES PRACTICES: Buying a building? It s n prblem fr us. We have the capital that prfessinals need t get the type f facility specific t their need. We have all types f lans fr attrneys, accuntants, engineers and insurance practices and we knw hw t finance a prfessinal services practice. Business lans fr attrneys, accuntants and insurance practitiners are nt specialized but servicing a prfessinal service practice is a specialty. Cde: DdALAI230

PRO ATHLETE LOANS A hard mney / private mney lan mdel that thrugh ur relatinships can riginate hard mney / private mney lans and present us as the trusted surce t help the prfessinal athletes with their financial needs. One f the mst diverse sprts hard mney / private lending platfrms available tday, permitting us t fund lans with flexible lending terms that ther rganizatins are unable t endrse. We give ideal rates and use creative financing n a variety f hard mney/private lans t ur clients. We base this all n individual circumstances. We prvide shrt term hard mney/private lans, custmized fr prfessinal athletes with signed player cntracts in the Natinal Basketball Assciatin (NBA), Natinal Ftball League (NFL), Majr League Baseball (MLB), Natinal Hckey League (NHL) and Majr League Sccer (MLS). Prfessinal athletes, business managers and financial advisrs are always welcme t discuss their specific hard mney/private mney financing needs. Once yu have reached ut t ur team f prfessinals, underwriting is cmpleted within tw three business days. Apprvals belw $250,000 can generally be funded inside f a week f final apprval. We ffer: Lans frm $50,000 t $5,000,000+ USD (Higher with specialized stipulatins) Easy Apprval Prcess Custmized Terms N Upfrnt Fees Quick Clsings A few f ur key differentiatrs are: Fair rates cmmensurate with the cllateral. Quick turn arund and funding Payff f ther high interest rate lans r mrtgages Fr a Fast Funding Applicatin email yur name and cntact infrmatin t lester@gainfs.net r call us tday at 562 762 7610! We can als help retired and retiring athletes restructure their assets after the large paychecks and final days f their playing career. Mst prfessinal athletes and entertainers g frm having very little t enrmus wealth. A lt f them buy assets that banks dn t value, and when their cntracts end r they retire, they have t adjust their life style. We help with bridge lans against thse assets such as high end cars, jewelry, art, cllectables, and memrabilia. These bridge lans are designed t prvide instant cash while the athlete restructures their lifestyle. Cde: Athlete2034 Lester Bennett Gain Financial Services C (562) 762 7610 F (214) 550 2670 lester@gainfs.net Ca Brker Lic. 01418690