Chesterfield Mortgage Presentation

Because Time is Money.

Helping You Capture Opportunities. When you need immediate financing, you need a resource that’s both flexible and responsive. You need a direct lender who can provide fast answers, work with unique circumstances and loan against appraised value. Chesterfield has a proven track record for helping entrepreneurs achieve their goals. That’s why experienced professionals come to Chesterfield: The Easy Source for Hard Money.

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The Chesterfield Difference: Personal attention Contact with the decision maker Direct source of funding Flexible, creative solutions Fast closings Brokers’ fees protected Simple application process No application fees

The Chesterfield Difference Personal Attention We are a team of seasoned professionals who cultivate one-on-

one relationships with our clients to get a good understanding of their needs and situation. At Chesterfield we always handle funding requests with the utmost in courtesy and confidentiality.

Contact with the Decision Maker At Chesterfield you won’t deal with an elaborate approval

process. You’ll talk to someone with the ability to provide fast answers, which means you’ll always know where you stand. No misunderstandings, no repeating yourself, no run-around.

Direct Source of Funding We fund loans directly, which keeps things nice and simple.

Therefore we can serve you much faster, and support you every step of the way; from underwriting and processing to closing and servicing the loan.

Flexible, Creative Solutions We look beyond traditional obstacles and limitations to find solutions.

We can work through complex debt and equity structures to finance unusual projects. Plus we loan against appraised value not just purchase price. Tell us the details and we’ll investigate options that meet your needs.

Fast Closings We know your time is valuable and speed is always a business

advantage. Many loan scenarios are extremely time-sensitive, so our first priority is providing fast decisions on loan requests. Then we close our transactions quickly. Often, our clients can leap ahead of others because they have funding when they need it.

Brokers’ Fees Protected Your success is our success. We make sure brokers who work with

us are fully compensated as part of our packages. Experienced brokers come to Chesterfield knowing they will be supported and their fees will always be covered.

Partnering With Us Financing professionals who want to keep their clients happy can

look to Chesterfield as an alternate lending source when traditional methods don’t work out. By establishing a relationship with Chesterfield, you’ll be ready with an additional resource in case you need it to serve an important client.

Simple Application Process Our process is easy and direct. We offer immediate response on

non-conforming asset-based loan requests. Call us for a personal consultation, or use our online application form via secure-server. We will get back to you within 24 hours. We make hard money easy.

No Application Fees Other commercial lenders often levy up-front charges they call

“processing”, “underwriting” or “application” fee. We uphold the highest levels of integrity because we believe that we succeed only when you succeed. In reviewing and appraising an application we expect only reimbursement on actual out-of-pocket expenses - - at cost.

LENDING GUIDELINES

Chesterfield is active in funding interest-only, asset-based loans on fee simple properties. We are a direct lender providing private funds in situations which may not meet conventional underwriting guidelines, and for savvy borrowers who need fast closings to capture ideal opportunities Plus we lend on appraised value, not just purchase price.

Minimum Loan Amount: WA: $ 40,000. OR: $ 200,000. CA: $ 400,000. AZ, AK, CO, HI, ID, NV, NM: $ 500,000.

Maximum Loan Amount: $7 million.

Loan Term: 1 to 2 years average. Interest Rate: 10 to 14%

Typical LTV: Single Family Residence – up to 70% Commercial Property – up to70% Land with utilities – up to 50% Raw Land – up to 40%

Types of Transactions

Bridge Loans

Acquisition Rehabilitation Build-out Refinancing Cash-out IRS Workouts State, County, Municipal, Tax Payoffs Expansion Joint Ventures Lien Workouts Investment Transactions Notes, Contracts, Mortgages purchased Foreclosure avoidance Corporations, Trust or other legal entities Second TD Mortgage/Equity

Types of Properties Funded Restaurants Bars/Lounges Gas stations Multi-use Mini-casinos Supermarkets Post or mail offices Multi-ret. buildings Parking garages & lots Mobile home parks R.V. parks Residential Inv. P. Warehouses Storage units

Car washes Golf Courses Hotels/Motels Strip tenant buildings Shopping malls Apartments Single-use properties Urban land develop. Office buildings Industrial Convenience stores

A Tradition of Exceptional Service

Chesterfield Mortgage Investors began serving clients in 1999, backed by fifty years of experience. The firm was founded by Robert Chesterfield, a leader in the real estate lending industry since 1948.

PHONE: 206-464-8770, or toll-free: 1-877-352-7881 FAX: 206-464-9592

E-MAIL: [email protected] OFFICE: 1001 Fourth Avenue Plaza, Suite 3313, Seattle, WA 98154

EXECUTIVES: Charlie Chesterfield, President: [email protected] Marty Hunter, Vice President: [email protected]