How by becoming our private mortgage lender you can earn a secured bank-guaranteed 12% p.a., so your loan investment remains fully de-risked

As by lending it instead to our Mortgage Loan Program your loan investment avoids all of the normal credit risk associated with you lending directly to your own client’s real estate projects

How our Mortgage Loan Program Places Your Lending Capital in a Zero Risk Position

This is possible because as a private lender participating in our Mortgage Loan Program you are in effect lending your loan capital to our financially strong private wealth lending platform group on a fully bank-guaranteed capital protected basis. Under which our financially strong private wealth lending platform group (as wholesale lenders) will never themselves handle your invested funds or have any ability to draw them down.

As instead, participating private lenders will sign a deposit agreement with our private wealth lending platform group and will deposit their funds using one of the three Fiduciary options provided (according to their choice) which are:

• a lawyer’s IOLTA (escrow) account
• a registered Paymaster’s FDIC- insured account
• a registered Trustee

The Fiduciary receives the funds on behalf of our private wealth lending platform group and will transfer the funds to Morgan Stanley as per the fully executed loan agreement between the two parties, (i.e. the participating private lender and our private wealth lending platform group).

The fiduciary will transfer the funds to a Morgan Stanley “non-depletion” account and Morgan Stanley will provide the fiduciary with a “Custodial Guarantee” which they will share with the participating lender. This will confirm that the funds are with Morgan Stanley and they are maintained in a non-depletion account further verifying that all funds (in this program) will never be encumbered or depleted.

Benefits of Participating

This program is far more secure than lending funds directly to any real estate project. Since private lenders participating in this program fully mitigate the risk typically associated with funding private mortgages where they are seeing their funds spent directly into real estate projects.

As instead, our participating private lender has full confirmation that their funds are bank securely held at Morgan Stanley, and are never exposed to any project or market risk or encumbrance. Our financially strong private wealth lending platform group assumes all the risk for funding the projects and pays the private lender 12% per year for as long as their funds remain deposited. Interest payments are made to you monthly at the rate of (1% per month).

How our Group Benefit From Your Participation

We benefit from your participation in this program because our private wealth lending platform group is able to expand their own credit lines with the funds held at Morgan Stanley. As a result they can then deploy these funds from their now further enhanced credit lines. To be able to lend to smaller projects that are too small to qualify for our private wealth lending platform group’s standard multiples based minimum size of loan, and as a result they can generate additional returns via these smaller projects.

Details and Minimums

Minimum amount is $1M USD. The participant lender needs to commit their capital for 12 months, but will have a 60 day exit option should they wish it. In this 60 day exit option scenario there would be a 3% fee levied on them by Morgan Stanley, if they opt to exit prior to their 12 month commitment. There is also a 4% Administrative Fee deducted when funds arrive at Morgan Stanley. Therefore, you will be paid a total Interest Rate for the first year of 16% (or 1.33% per month), so that as our participating private lender you are fully refunded this 4% fee over your first 12 months.