1. Investor Presentation 1

2. How do NPNs (non-performing notes) differ from REO opportunities ? “Distressed Notes Are The Mainstream In Todays R.E. Marketplace” The amount of available assets are abundant The competition is limited The purchase price points are lower Notes offer more exit strategies the REOs Greater margin for error which mitigates loss potential 2

3. Why would You want to purchase NPNs ? 1 st TD non-performing notes can be bought at deep discounts Example: GLS sells NPNs from 10%, to 50% of todays as-is home value With notes you can create cash flow or capital growth When you acquire a note you “become the bank” and have all rights to foreclose, modify, sell at trustee sale, amongst executing many additional exit strategies There are many sub-servicing groups/specialty servicers that can support you by handling all of the day to day loss mitigation activities for you such as collections, FCs, loan modifications, and note sales There are many vendors that support the distressed note business such as National REO liquidation, and National property protection and enhancement All of which allows you to scale your investment platform and create great profits 3

4. Capital Growth Advanced Exit Strategies Vacant NPNs Deed in Lieu and then sell (flip) Short sale with cooperation from owner Foreclose then lease up then sell in the open market Note sale Occupied NPNs Family sale / Borrower remains in property Short sale / Cash for keys and then sell Deed in Lieu or Cash for keys and then Sell Modify / Re-trade as re-performing note Modify / Refinance onto HUD loan borrower must income qualify for loan – 500 min. FICO Note sale 4

5. Cash Flow Advanced Exit Strategies Vacant NPNs Deed in Lieu and rent for income stream Foreclose with the intent to rent for an income stream Foreclose or Deed in Lieu and then sell under a land contract or carry back traditional loan Modify loan and move family back into property Occupied NPNs Reinstatement – Full or Partial hold as re-perform for cash flow Restructure Note/Modify for high yielding cash flow Deed in Lieu or Foreclose then Leaseback Deed in Lieu or Foreclose then create paper with Note or Land Contract 5

6. Your Agent/Broker will work with you to determine the most profitable disposition strategy for the Notes you are interested in purchasing. This worksheet contains industry formulas covering multiple exit strategies ranging from Loan Modification thru Holding/Property Management. You can quickly insert the particulars of any Note and see the potential profitability instantly. Note Evaluation Worksheet 6

7. Note Evaluation Worksheet Sample 7

8. GLS typically has 200-500 loans available at all times V.O.T.T. due diligence is provided on all loans which saves our buyers the up-front cost of approximately $300 per asset One off (cherry picking) and bulk trades accommodated All loans sold at wholesale pricing VOTT and Loan Documents 8

9. Your Agent/Broker will present you with a list of available Notes for purchase. Determine your level of investment and help you to determine possible exit strategies to meet your goal. Your Agent/Broker will complete the Vetting Package with you and submit it for review/acceptance. Once you determine the Notes you want to purchase, your Agent/Broker will work with you to gain access to VOTT and loan documentation. After due diligence is completed, your Broker/Agent will submit the bid on your behalf. The bid will not be considered valid until the Seller confirms with the actual Buyer that the bid was authorized by them. If accepted, wire transfer information and all contractual documentation will be provide to you and your Broker/Agent within 48 hours of acceptance. The Process at a Glance 9

10. Broker Compensation 10