MISSION STATEMENT

Being committed to providing our investors with the ability to passively participate in secure real estate business purpose funding, that provides our investors a higher rate of return than most other investment opportunities.

THE ORGANIZATION

We are an organization of highly trained Real Estate and Mortgage Banking professionals. We focus on providing residential real estate investors, builder developers, entrepreneurs and commercial multi dwelling investors with the funds they need to quickly capitalize on the distressed property opportunity that exists all across America today. We provide the real estate investor the needed liquidity with short term interest only loans that become their solution for their unique and specific needs. Our product line consists of Bridge Loans, Fix and Flip, Fix and Hold, Residential Rehab, Hard Money and Ground Up New Construction. We are a National Direct Lenders and do not lend in South and North Dakota, Alaska and the US Territories.

THE FUND

Our Fund is SEC compliant and our legal representation constantly monitors and advises us on all securities compliance, fund management and corporate issues. Our interest rates start at 9.9% to 14% interest only and depending on specific individual circumstances 3 to 5 mortgage points. Our mortgage terms range from six months to two year with various automatic extensions. These terms and conditions provide a secure investment with a very high rate of return to our mortgage fund investors.
The advantages of becoming an investor with Semper Fidelity Investment Group are:

• Your money is working for you 24 hours a day, 365 days a year.
• You earn a percentage of the yield generated by the mortgage fund, interest rate, mortgage points and fees.
• You are automatically diversified among all the loans contained inside of the mortgage fund.
• Your investment is secured by the real estate asset's always originated with a substantial equity position.
• You are in the driver's seat as a private money investor because we have total control of who we lend to, what properties we choose to fund and what terms and conditions we lend under. Mitigating risk is a top priority.

Alternative assets as part of an investment portfolio is a benefit to any investor. When used appropriately, non- traditional assets such as Real Estate, private equity and hedge funds can improve portfolio diversification, enhance risk-adjusted returns and broaden the set of investment opportunities. A study by investment research firm Robert W. Baird noted that replacing 20% of traditional stock and bond portfolios with alternative asset cut volatility by 10% while also increasing returns. Another Key advantage when considering mortgage pools is how efficiently we make use of all of our investors' capital.
The Semper Fidelity Investment Group management team consistently focuses on keeping overhead in the administration of our funds low and income is fixed at a high rate of return.

• Real estate remains the most popular alternative asset.
• Mortgage pools are critical means of insulating your investment portfolio from common forms of risk, such as volatility, inflation and rising interest rates.
• Mortgage pools are a worry-free means for you to enjoy a monthly return on your investment.

We believe in complete transparency and you will be delighted to find out how mortgage pools continuously outperform other popular types of monthly income producing investments.

WHO DO WE LEND TO?

We carefully and thoroughly qualify every borrower. There are 21 factors to consider when our mortgage underwriters review the borrower's qualifications before agreeing to approve and fund any loan.

• Complete Mortgage Application
• Document Disclosure with Authority and Intent to Proceed
• Current Market Value/Formal Appraisal
• After Repair Market Value/Formal Appraisal
• CDA/ Appraisal Review
• Cost of Repairs
• Real Estate Investors Experience
• Borrower Personal Background Check
• Credit Worthiness
• Asset Equity Position/ LTV
• Pricing Strategy
• Lien Priority
• Additional Collateral
• Exit Strategy
• Intensive Due Diligence/ Property & Borrower
• Title Insurance
• Proof of Funds
• Interest Reserves
• One Year Paid in Full Homeowners Insurance
• LLC Documentation
• Personal Guarantee

Each of these factors will be taken into consideration to determine if the borrower and or the property fits within our mandatory underwriting guidelines to provide a clear way to close and fund the loan.

LOAN SERVICING DEPARTMENT

Our Loan Servicing department consists of high quality individuals utilizing sophisticated software programs for servicing all types of Performing Loans. Our payment processing program and all Loan Servicing requirements support our borrowers and report to our investors when required. We would be very interested in speaking with you so we can answer any questions that you may have. You can be confident that our mortgage pools are low risk due to being tied to real estate first mortgage positions with strict underwriting criteria, low loan to value ratios combined with short term high interest mortgage notes.

CERTIFIED FUND MANAGER

A Certified Fund Manager is designated to provide investment analysis and portfolio management, a Certified Fund Manager can help you answer the question;

" Is a Mortgage Fund my next growth Opportunity "

• Industry Practices
• Pros & Cons
• Structure
• Ongoing Administration
• Federal Private Compliance
• Marketing, Procurement & Implementation
• Current Federal Laws & Regulations
• Loan Processing
• Loan Underwriting
• Loan Servicing
• Mortgage Pools , Fractional & Whole Loan Mortgages
• Pricing & Profit