Attention Investor, RE: Direct Bulk Bank Properties Opportunity: Buyers work directly with banks to acquire bulk

REOs, Commercial Properties and NPNs. Introduction: A program has been established by a Real Estate Broker who has a personal relationship with a bank Asset Manager. This relationship fostered a program and expanded to four other banks. These banks are contracted to create bulk REO, NPN tapes as well as commercial properties and investors can work directly with the banks. The investor can submit a bulk REO order form which states their criteria of what they are seeking. Tapes are not pre made but are made to order. We do not offer examples of tapes as tapes are made based on investors criteria and are highly confidential which you will read in the NCND form provided. Tape pricing is negotiable. 3 points will be paid by the buyer which is Non-negotiable. Criteria Needed: The program is for investors who are able to purchase a minimum of $5 million and up. The bank requests an LOI and a letter from the investors bank, stating they are in good standing. NO bank account numbers, No addresses or any information except the name of the investor/investors. This is to ensure investors personal information remains confidential and assures the buyer that his/her information is of no value to the parties assisting in the process. Bank to Bank communication: Once the bank receives the paperwork, the seller bank will verify with the investors bank that he/she holds a minimum of $5 million in funds. Once the investor is approved by the banks asset manager; the investor will be contacted by the bank to start compiling their tape and or commercial property request. Minimum Required in Bank Account: Please be aware that the investor will need a minimum of $5 million in a bank account. When the bank to bank verification begins the investor must have this minimum in an account in order to be accepted into the program. If however the bank to bank verification fails, the selling bank will blacklist the buyer and buyer representative from future opportunities. The Bulk Bank REO program is a very serious and great investment opportunity for real investors. FAQ: To begin learning about the program, please review the following information: Buyers or interested parties must thoroughly review the information and documentation provided prior to addressing ANY questions or concerns. For Investors: The documentation provided is required to be signed and notarized prior to submission by the buyer to the selling bank agent. The documents are a part of the protocol and may not be changed or have exceptions made. Please see below for a list of common questions / concerns Bank to Bank Procedure: 1. The buyer reviews the required documents and information 2. The buyer submits all required documentation 3. The Seller Representative reviews the REO order form and determines which bank will receive the order. 4. The buyer receives a call from the selling bank to approve financial proofing and to address the terms outlined in the order form/LOI. 5. The buyer may address any questions to the selling bank 6. The selling bank institution will verify the financial capacity and good standing of the buyer 7. The buyer will select an escrow agent of their choosing and be required to provide a, fully refundable good faith deposit into the buyers escrow account.

8. The seller will create a portfolio for the buyer as outlined in the order form/LOI. 9. The buyer will be provided with a tape and allowed a due diligence period of approximately 7-14
days. 10. The buyer has the option to negotiate with the selling bank 11. At close of escrow (time of COE is dependent and varies per the selling institution) all fees are paid by the buyer. What is the purchase requirement? The minimum is $5M dollars purchase required. The buyer and buyers funds must be well seasoned and in good standing with their bank institution. Failure to provide such information, or abuse of the protocol will have unfavorable consequences. Using transactional funding, having an undocumented relationship between financial accounts and title holder, etc. may result in the selling institution to discredit the buyer from all pending and future portfolio purchases also known as blacklisted. How long does the entire process take? The time may vary and is dependent upon many criteria out of the control of our representatives. A general time frame of 30-45 days should be expected. Who will I be working with? After the preliminary paperwork has been provided, the buyer will work exclusively with the bank regarding all matters of the transaction. Can I review a tape that has been recently sold? No. All documentation of other buyers, as well as the specific conditions regarding their transaction is private to the buyer and seller. Confidentiality will be respected at all times and any requests for such documentation will be denied. Will my information be shopped to multiple institutions simultaneously so that I can comparison shop? No, after your preliminary documents are submitted the sellers representative will determine which selling bank institution will receive the buyers order. That determination will be based upon the LOI, as well as the current market conditions and availability of product. What if I don't agree to the tape provided? Concerns regarding the BPO values, as well as the overall condition of the properties as they relate to the LOI should be addressed by the buyer to the seller during the due diligence period. The selling institution will allow the buyer to challenge and address concerns at that point. If the buyer and selling institution do not come to agreeable terms, the deposit will be refunded to the buyer. We may feel that it is advantageous to seek a portfolio from another institution. Will the procedure be the same each time that I purchase? No, after the initial successful close on a portfolio, the buyer will go directly to the bank to draw additional inventory. The commission structure as well as financial information will be stored by the seller and will be considered as effective for following transactions. Should you have questions regarding the program, we will be happy to assist. Thank you