363 Home Purchase Type of Investment: Special Purpose Vehicle (SPV) REIT Lease to Own 2014

Description:E-bRM: will be seeking asymmetric returns for the “363 Lease to Own” mortgage fund using two proprietary legal and financial engineered technology platforms. All loans will be filtered, scrubbed, and reviewed by a multi-disciplinary team of vetted professionals. Upon completion, candidate properties will be; bid, purchased, prepared, managed and or liquidated for capital gains within the framework/covenants of the investment vehicle.Ownership: All “lease to own" participants, upon completion of their lease agreement, will be invited to engage in a tailored market driven program designed to create a path back to home ownership.Note: A front and back end proprietary financial scoring model is being developed to evaluate potential income risk to investors for both the lease and later for the conversion to sale transaction to ownership – back end risk valuation will assist in pricing the potential new origination.

Project Term: Five yearsStartup Period: A 12-month ramp up period is anticipated due to legal and property acquisition time-line constraints.Asset Size: $100 Million (Initial)Selection: Both a quantitative and qualitative property analysis will be run on all eligible investment candidates thatcomply with the attributes selected by the team’s leaders. Final site selection will be determined by a scorecard evaluation within each of the chosen zip codes clusters.Property Sites: Will be geographically positioned to fit inside the operational bands of selected Property Managers. (TBD)

Asset Procurement: Will be a legal procedural process that will involve working with the US Bankruptcy Court and Chapter 7 Trustees. Success will be achieved through a series of technological interfaces that will access court data for review in concert with a specialized Legal Firm that will expedite the speed of the property acquisition to the portfolio.Note: This proprietary legal tool is fast, accurate, and scalable – unique to this offering and investment.

Investment FeaturesLeverage: Non-leveraged investment.Asset Attributes: Will focus on single-family conforming GSE collateral types of properties.Asset Risk: Low to Moderate – Property value could decline over five-year term.> Mitigating Circumstances - All acquired purchased assets will be “Portfolio Ready” at or below market value.> Sale of Assets from the portfolio – While the “Lease to Own” REIT is not a high turnover property investment program, issues for specific

property sales or portfolio realignment may occur which will result in the early sale of certain assets.> Income Risk: Moderate - Due to lower property demand maintainability issues and unanticipated rental turnover.> Mitigating Circumstances: Selected properties will be in low crime/unemployment zip codes zones as measured by State demographics.

Profit & IncomeTotal Returns: Upon completion of the steps highlighted above, a risk-adjusted return (no leverage) of 8 - 10% to theinvestor appears achievable within a flat to gently downward sloping economy. Income streams to the investors will include:> Leasing and Rental Income: Upon completion of startup, we anticipate annual investor yields between 6% and 8% (Returns are a function

of local markets).> Capital gains Pay Out: Net profits from property sales will be returned to the REIT for annual distribution to investors.> CRA Funds: Development of salable tax credits - anticipating 2.5%+ enhancement to total portfolio

E-bRM, LLC info@e-brm.com