Presented Exclusively to:

Reginald OllisonVP of Business DevelopmentAtlantic Equity Partners. LLC.

919-876-1590 fax: 919-976-1540Email address: atlantic@usa.com

SBA CONDUIT HARDMONEY CONSTRUCTION LENDING

AGENDA

Why We’re Talking About Commercial

About US

The Program Approach

Program Features

Property Types

Target Borrowers

Sample Deals

Summary

WHY WE’RE TALKING ABOUT COMMMERCIAL

For years, the commercial property segment has been underserved or ignored by lenders.

If the efficiencies of conventional and sub-prime lending were brought to this commercial segment, a tremendous opportunity would be created.

Commercial loans made easy .

Equipped with our innovative commercial mortgage program, you can expand markets and take full advantage of this opportunity.

ABOUT US!

Atlantic Equity Partners LLC is a Raleigh-based commercial real estate consultant providing fixed-rate, non-recourse and floating-rate recourse commercial real estate loans Atlantic Equity Partners LLC provides commercial mortgages secured by land or existing multifamily, retail, office, hotel, industrial, self-storage and senior care facilities. In addition, Atlantic Equity Partners LLC provides fixed and floating-rate recourse loans on other owner-occupied commercial assets,

Atlantic Equity Partners LLC. provides loans through its Commercial Loan Program (CMP). The program is divided into two products: the Small Loan Program for loans from $100,000 to $3 million and the Large Loan Program for loans from $2 million to $100 million.

Atlantic Equity Partners LLC is a service-oriented firm staffed with associates that are highly skilled in the processing and closing of conduit, SBA, Hard money loans for their clients. Conduit and SBA loans are inherently more complex and cumbersome for borrowers versus traditional financing and therefore Atlantic Equity Partners LLC has hired individuals that are experts in each part of the loan process, including originators that are intimately familiar with the loan products offered by Investor skilled in the underwriting of complex properties, often with poor information, and closing staff that can answer all the questions regarding the legal complexities of conduit , SBA and Hard Money loans and get loans closed.

THE PROGRAM APPROACH Commercial Lending Based on Assets Base Lending Guidelines

Faster Closings Predictable and consistent Quick up-front approvals (48-72 hours) Based on SBA, Conduit, Assets Base, Hard Money

Less Complex Borrower Focus vs. Property Cash Flow Credit score Personal financial strength All income sources, not just property cash flow Assets and cash reserves

More Qualified Buyers and Properties Qualified on DTI OR DSCR

Lower Costs

PROGRAM FEATURES

15, 20, 30 year fully amortized (No Balloons) Fixed and Adjustable rate 6, 3,5, 7 options Purchase, Rate & Term Refi, Cashout Refi (unlimited) Owner occupied or investor 90% Financing available (10% Down) 95% CLTV with seller 2nd (5% Down) Individuals, LLCs, Corporations, Partnerships, Trusts No limit on loans to one borrower No depository relationship required Up-front Approvals State Income / State Assets

PROPERTY TYPES

Eligible Property Types

Multifamily Office Warehouse/Self Storage Bed & Breakfast Mixed-use Retail Light Industrial Qualifying Mobile Home

Parks

Special Purpose Properties

Land Churches Gas Stations / Marinas Restaurants/Hotels Heavy Industrial Special Purpose Properties New Construction Subdivision Senior Living Projects

BORROWERS CREDIT REQUIREMENTS

Borrower with 600+ middle score

Reasonable debt relative to their income

Willing and able to fully document or state income

Non-Bank/Traditional Transaction -

DTI Driven

Executive Summary of Principles resumes

Profit and loss statements

Unserved & Underserved

Letter of Corporations

Small Commercial Loans 100K to 1 Million

Financing available for New Construction Projects 65-75% Future Sale Value

Commercial Loan $2 Million - $100 Million

Loans Available Nationwide for multifamily, mixed-use, mobile home parks, office, retail, warehouse, self-storage, light industrial, single-tenant retail and etc.

Competitive rates, call for current rate on your specific property

Up to 30-year FULL AMORTIZATION  - more cash in your pocket & less risk with a fully amortized loan!

Up to 80% financing for all property types For construction purchases, refinances and

cash-out refinances No seasoning requirement for cash-out

refinancing No replacement reserve impounds Low Documentation (stated income) program

available

Commercial Loan from 2 Million to 100 million

Healthcare – Senior Living – Retirement Communities

Developing a Plan of Finance

Atlantic Equity Partners LLC provides financing for a variety of healthcare related institutions, including hospitals, senior living centers and retirement communities. We have experts who can assist your organization with a variety of financial services

In developing an appropriate plan of finance, a number of strategic, operational and financial issues must be considered. Some issues are identifiable from the beginning; others come into focus during the structuring and execution of the financing. Some issues to be addressed include:

Development of financial, operational and strategic goals (near-term and long-term). Identification of applicable debt financing options. Options may include taxable or tax-exempt debt (fixed, variable, synthetic) and/or equity. Evaluation of each option based on specific criteria Positioning the issue for successful distribution (institutional, retail, or both). Current and future credit-worthiness. Future debt capacity for additional projects and access to capital . Legal structure.

Marketing and Distribution

Our firm's early decision to specialize in healthcare has resulted in an unmatched sales and distribution network. Atlantic Equity Partners LLC. can market healthcare bonds of every credit rating to institutional purchasers, but also to individual investors directly through our retail network. Our ability to blend retail and institutional distribution into a unified marketing plan enables us to market healthcare securities at attractive interest rates in all market conditions.

Atlantic Equity Partners Senior Facilities Programs

Products & Services

Type of Properties Skilled Care Facilities Intermediate Care Nursing Home Sheltered Care or Personal Care Nursing Facilities Board and Care, Assisted Living & Independent

Living Facilities Psychiatric Facilities Rehab Hospitals Drug & Alcohol Centers Apartments Other Special Purpose Facilities

Types of Loans New Construction Refinance Refinance with Rehabilitation Refinance with Expansion Acquisition with Rehabilitation Exercise Purchase Option / Acquisition Straight Acquisition

Types of Programs FHA/HUD Fannie Mae / Freddie Mac Conventional First Mortgage Acquisitions / Equity Bridge Loans

Checklist for Due Diligence Requirements

. Borrower / Developer Information

A. Borrowing Entity

1. Organizational documentation for Corporations a) Articles of Incorporation

b) Certificate of Incorporationc) By-Lawsd) Corporation and Commission Letter of Good Standinge) Partnership Agreement

2. Organizational documentation for LLC a) Limited Liability Certification

b) Operation Agreementc) LLC Good Standing Certificate

3. Board Resolution to Encumber

4. Interim financial statementa) Profit and loss statementb) Balance sheet

5. Two years complete federal tax returns

6. List of all properties owned or leased at present time

7. Three lender references and three general business references

8. Summary of experience within last 24 months B. Information on Principals of Borrowing Entity

1. Current personal financial statements2. Two years complete federal tax returns3. Credit Report Authorization form

II. Company Information

A. Names & addresses of each existing and proposed shareholders of company, or managers and members for LLCB. Confirmation of appointment of the directors and that none are disqualified from being directorC. Organizational chart including all stockholders & employeesD. Name, mailing address, telephone & contact person of auditors/ accountants of companyE. Authorized and issued share capital of company

1. Are all issued shares fully paid up? Details of any pledge, lien, charge or encumbrance affecting shares

2. Details of any signed contracts from current owners to sell their shares. F. Details of all bank accounts including all loans.

G. Any guarantees for which company may be liableH. Details of any foreign exchange contracts company has or plans to enter intoI. List of following: directors/employees, including resume for each and any contracts entered into with each director or key employee

J. Details regarding directors/key employees 1. Terms and conditions of employment

2. Benefits packages including pension or life insurance, sick pay, disability plans 3. Bonus plans, incentive plans and share options 4. All long-term service or consultancy agreements 5. Any current obligations to pay compensation for loss of employment 6. Details of any trading or other arrangements 7. Details of any agreement with trade unions 8. Copies any major agreements between company and customers, suppliers,

licensors and licensees 9. Schedule of insurances for company, including names and addresses of

insurance advisors 10. Details of any investigation of company by any governmental body 11. Copies of leases or agreements between current tenants and landlord (if

applicable 12. Details of any consents required for a change in control from any shareholder,

creditor, lender, or other person 13. An operating company:

a) Five year projection b) Opening balance sheet after receipt of funding

CONSTRUCTION LENDING

Acquisition & Construction

LOAN AMOUNT: $1,000,000 and up. BORROWER: Owner/ developer with track record. LOAN TERM : 1 to 3 years, interest only. PREPAYMENTS: Loans may be prepaid at any time, after a lockout period, with no

prepayment penalties. INTEREST RATE: Interest rates start at 10% 12%. Interest is paid monthly on the amount

drawn based on the disbursement schedule. Allowances are made for prepayments of interest during the construction period.

COLLATERAL: First-mortgage on land and existing structures. Borrowers must personally guarantee all notes. On larger loans completion/construction bond by G.C. and/or Letter of Credit from investment grade institution.

L-T-V RATIO: Up to 65% of the As-Is Value1 by independent third party MAI appraisal, up to 75% of approved infrastructure development costs, and up to 80% of approved vertical development costs.

USE OF LOAN: Proceeds may be used for construction costs, real estate acquisition, and related costs.

PROCESSING: Completed loan application, title report, appraisal, project overview, proposed building plans, cost projection for disbursement schedule, proof of funds for purchase of land, two years personal and corporate tax returns. Approvals within 24 hours, commitments within 48 hours.

EXIT FEE: 2% to 8% of loan amount in lieu of equity. OTHER COSTS: Application Fee: $5,000 to $10,000, which is NON-REFUNDABLE if the

Letter of Interest is in compliance with lender’s Commitment. Commitment Fee: 3% of Loan Amount, payable 1% to 3% percent at commitment and the

balance at closing. SUBMISSIONS: Borrower’s financial statements and tax returns for 2 years • Brief

property description • Sources and use of proceeds statements • Appraisal, if available.

LAND LOANSAcquisition & Development

LOAN AMOUNT: $500,000 and up. BORROWER: Owner/developer with track record. LOAN TERM: 1 to 3 years, interest only. PREPAYMENTS: Loans may be prepaid at any time, after a

lockout period, with no prepayment penalties. INTEREST RATE: Interest rates start at 12%. Interest is

paid monthly on the amount drawn based on the disbursement schedule. Allowances are made for prepayments of interest during the construction period.

COLLATERAL: First-mortgage on land and existing structures. Borrower must personally guarantee all notes. On larger loans completion/construction bond by G.C. and/or Letter of Credit from investment grade institution.

L-T-V RATIO: Up to 50% of the As-Is Value1 by independent third party MAI appraisal and up to 60% of approved infrastructure development costs.

USE OF LOAN: Proceeds may be used for construction costs, real estate acquisition, and closing costs.

PROCESSING: Completed loan application, title report, appraisal, project overview, proposed building plans, cost projection for disbursement schedule, proof of funds for purchase of land, two years personal and corporate tax returns. Approvals within 24 hours, commitments within 48 hours, and closings in as little as 14 business days.

OTHER COSTS: Application Fee: $10,000 to $25,000, which is NON-REFUNDABLE if the letter of interest is in compliance with lender’s Commitment.

Commitment Fee: 3% of Loan Amount payable 1% to 3% percent at commitment and the balance at closing.

Exit Fee: Up to 2% of loan amount in lieu of equity. SUBMISSIONS: Brief property description • Budget •

Sources and use of proceeds statements • Appraisal, if available