PRIVATE REALTY FUNDING

SALE LEASEBACK

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Welcome all owners of real estate who seek equity funding from their property!

• Do you need funding from or on your personal residence, residential investment property(s), or commercial investment property(s)?
• Have you exhausted your potential conventional funding sources (e.g., HELOC, 2nd Mortgage Lender, Private Source, other…)?
• Do you have credit report deficiencies? Are you self employed and unable to prove income?

If your defined real property has requisite equity, EPI Fund WILL APPROVE YOU for its special funding program… and close in as short a period of time as FIVE BUSINESS DAYS !

EPI Fund Programs are Privately Funded

Summary of key qualifying factors to be accepted for EPI Fund Fast Cash Funding:

• Any fee simple real estate is considered (e.g., residential, commercial, land, multi-family, etc.);
• There is never any credit check performed on any principal (though we do provide credit counseling);
• All programs are two years in term, and can be completed at the sole option of the customer (principal) at any time within the two years at absolutely no penalty or added cost;
• You can not have any Federal Tax Liens recorded against you and/or anyone else who may be on title to the subject property;
• You can not have any Child Support Liens or Judgments recorded against you and/or anyone else who may be on title to the subject property;
• Depending on the State in which the property resides, and that State's applicable homestead laws, the fact you may have court ordered Judgments against you may not impede your ability to complete EPI Fund Sale Leaseback Fast Cash Funding;
• It is OK if you are in arrears (behind) on your mortgage payments, in foreclosure, behind on your property taxes, and even in a forced placed insurance status!

Requisite Equity Requirements:

Residential, Investment Residential, Commercial, and Multi-family property all must meet the same general requirements:

Sum Total of mortgages + Funding =< 80% of the Market Value of the Property

Explanation:the sum total of all of the payoff balances of your existing senior and, if applicable, junior mortgages, added to the amount of equity funding you seek from the respective property(s), should be equal to or less than 80% of the true market value of said property(s).

NOTE: EPI Fund will secure the services of a duly licensed, independent fee appraiser to establish a market value for each respective property.

To determine if you qualify for EPI Fund's equity funding program please answer the questions in the Equity Calculator and click Calculate:

Disclosures: EPI Fund is not a mortgage lender nor is it a mortgage broker or brokerage entity. EPI Fund does not offer or provide loans of any kind on any property as part of its funding program. EPI Fund does not employ a financing document such as a mortgage, deed of trust, agreement for sale, or land contract. No representation will be made to the contrary by any EPI Fund representative or document. The risks associated with utilization of such instruments are substantial and certain. It is the opinion of EPI Fund and its private funding entities that the exposure of the above defined financing instruments to the potential abuses of the US Bankruptcy system by unscrupulous debtors and lawyers makes utilization of such instruments unacceptable and unwarranted. This is the primary reason why hard money lenders generally set their LTV ceilings at 70% instead of the 80% encumbrance offset funding ceiling set by EPI Fund in its special funding program.

Terms and Provisions of the EPI Fund Funding Program

EPI Fund utilizes the warranty deed of a property to ensure its investment funding is properly secured. Effectively the customer conveys legal title to the respective property to EPI Fund (or its assigned funding entity) and retains all of the equitable title during the contract time period. The equitable title is evidenced by a recordable agreement between the customer and EPI Fund (or its assigned funding entity). At any time on or before the last day of the agreement the customer has the sole option to complete the agreement by funding the reacquisition of the property at the cost that is established and agreed upon between EPI Fund and the customer in the original agreement. As stated earlier, that option cost never changes during the agreement period so long as the agreement is not in default.

Customers (principals) have effectively no limits as to how they can complete the agreement and reacquire their legal title interest in the respective property(s):

• Cash payment direct from the customer;
• Refinance of the property: new 1st Mortgage;
• Refinance of the property: retain 1st Mortgage and secure new 2nd Mortgage;
• Customer opting to liquidate out of the property through a 3rd party sale;
• Other

You will notice that the options listed above are no different than the options you would have if you had a mortgage on your property that you were compelled to change, or if you owned a property that you were compelled to liquidate.

How is the EPI Fund Funding Program structured?

It is actually very simple and can close, without complications causing delays, within 5-10 business days:

1. There is a primary funding agreement between EPI Fund and the customer:
   1. Duration: two years
      1. Early completion at option of customer: no limits
   2. Cost of service to EPI Fund (margin): calculated
      1. No up front costs. All paid by customer as part of reacquisition cost within the two year agreement period;
         1. See "Cost of Service" for your estimate;
   3. Monthly cost of funding (monthly margin): calculated
      1. Not considered interest due to structure of Agreement, therefore, no tax benefit to customer;
      2. Monthly cost stops when customer completes Agreement by exercising his option to reacquire the respective property;
   4. Obligations of customer:
      1. make the requisite monthly payment per the terms of the agreement each and every month;
      2. complete the agreement within the two year time period;
   5. Obligations of EPI Fund (or assignee funding entity):
      1. Complete the funding per the terms of the Agreement;
      2. Manage the agreement as the servicing entity per the terms of the agreement (EPI Fund will always ensure timely payment of existing mortgage installments, property tax assessments, and hazard insurance, regardless whether the customer defaults in its obligations under the terms of the Agreement);
      3. Execute all requisite documents at the completion of the Agreement by the customer to close the account;
   6. Existing Mortgage(s): stay in place and brought current to a status of 'good standing' at close of the funding by EPI Fund Contractually EPI Fund will take title to the asset 'subject to' the existing financing;
   7. Property Taxes: if delinquent, funding proceeds will be used to bring taxes current;
   8. Hazard Insurance: if in place the policy will be retained, with EPI Fund (or the assignee funding entity) added as a co-loss payee;

Special Exceptions!

Without setting a precedent, EPI Fund has approved funding programs for principals whose funding ratios have exceeded the 80% ceiling. If your equity calculation exceeds 80% but calculates to less than 86% of the market value of the property(s), we welcome your continued interest in EPI Fund's special funding program.

While the program funding-to-value (FTV) ceiling is set at 80%, EPI Fund, for all accounts, reserves the sole option to reduce the ceiling to compensate for risk mitigation (e.g., construction status, physical condition, existing mortgages, occupancy status, other)

Cost of Program

Each account is calculated individually as to the monthly and back end margins. All files go through the same due diligence process and procedure to achieve those respective calculations. Monthly and back end margins are not solely predicated on algorithm: the risk factors associated with the respective funding represent a subjective factor in the margin analysis. The following represents a summary description of each of the respective costs and margins pertinent to the EPI Fund Special Equity Funding Program:

* MV: Market Value
* 3%+ of MV: (regardless of funding sum) 3% of Market Value plus $600 file prep

NO GUARANTY OF APPROVAL!

Every new customer (principal) will present a unique account opportunity for review by EPI Fund for its special equity funding program. Each new account will offer its special challenges and opportunities toward the ultimate goal of EPI Fund approval. Inasmuch there are no guarantees offered or implied that any interested principal will be approved for any EPI Fund program.

THANK YOU for your continued interest in EPI Fund Equity Funding. To proceed with your interest, and assist EPI Fund in expediting its due diligence on your respective account, please complete the questionnaire below and click [Submit]. All information provided by our principals (customers) is confidential and will never be disseminated or distributed for any purpose other than as specifically defined herein.

You will be contacted within 24 business hours by an EPI Fund account representative after submitting your data below. If you have any questions please go to Contact EPI Fund and submit your questions.

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