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INVESTOR'S QUICK GUIDE

1. RETURN TO INVESTORS ON ALL MORTGAGE LOANS

10%

2. MONTHLY PAYMENTS TO INVESTORS

Schedule Remittance Date for Monthly Payments to Investors
Investors Funds sent via ACH on Schedule Remittance Date
Monthly Remittance Report Sent to Investors
Tax Information Provided to Investors

3. LOAN SERVICING ADVANCES

Principal + Interest Delinquency Advances
Taxes + Insurance Delinquency Advances
Corporate Servicing Advances
Other Delinquency Advances

4. LENDER REPRESENTATIONS + WARRANTIES

Lender Provides Written Representations + Warranties on all Loans
Re-Purchase of Defaulted Mortgage Loans Provision
Early Recapture of Pre-Payment Fees to Investors

5. MORTGAGE LOAN SERVICER

Originate + Close Mortgage Loans w/ Own Funds
Principals own a Mortgage Loan Portfolio in Excess of $1m

6. SAFEGUARDS PROVIDED TO INVESTORS ON ALL MORTGAGE LOANS

Title Ownership of Mortgage Loan vested in Investor Solely
Appraisal Report
Loan Title Insurance Policy
Hazard Insurance Policy
Legal Opinion of Counsel *Additional Fee

7. ESCROW RESERVES ADMINISTRATION

Segregated Bank Account for Escrow Reserves
Custodial Account for Escrow Reserves
Escrow Reserves Collected with Borrower's Monthly Payment

8. MORTGAGE LOAN PROGRAMS

First Lien Mortgage Loans
Fixed Interest Rate Mortgage Loans
Mortgage Loans Do Not Exceed 65% LTV

9. MORTGAGE LOAN UNDERWRITING GUIDELINES

Established Underwriting Guidelines
Mortgage Loans are Exempt from Dodd-Frank Act
Mortgage Loans are for Business Purposes Only

10. INSURANCE COVERAGE + POLICY PROVIDED W/ MORTGAGE LOANS

Hazard Insurance Coverage + Policy
Flood Insurance Coverage + Policy
Windstorm Insurance Coverage + Policy
Liability Insurance Coverage + Policy

11. MASTER LOAN SERVICING AGREEMENT

Master Servicing Agreement w/ Termination Provision
Master Servicing Agreement w/ Arbitration Provision
Protection of Confidential Information Provision

12. BKC LIABILITY INSURANCE COVERAGE + POLICY

Fidelity Bond with $1,000,000 coverage
Errors + Omission Insurance Policy with $1,000,000 coverage
Professional Liability Policy with $1,000,000 coverage
Lender's Mortgage Impairment Insurance Policy
Buyback Loss Insurance Endorsement with $100,000 coverage

13. INVESTOR REPORTS + OTHER INVESTOR SERVICES

Remittance Report (monthly)
REO Reports + Liquidation Report
End-of-Year 1099 Reporting Reports | Forms
Credit Reporting on Borrower's Monthly Payments

14. DEFAULT MANAGEMENT + REO SERVICES

Default Management Plan
REO Disposition + Management Services
REO Marketing + Sales Services

Brickel Key Capital
305.325.1010