1. Agent Alternatives Heartland Financial Services, LLC August 20, 2012

2. Agent Alternatives Proprietary and Confidential – Do Not Reproduce or Further Distribute Agenda  Introduction  Funding Options  Qualification for Funding  The Funding Process  Loan Approval

3. Agent Alternatives Proprietary and Confidential – Do Not Reproduce or Further Distribute Jerry Bengtson Jerry Bengtson, Principal, Heartland Financial Services, LLC Over 30 years of banking experience and served on the Olathe Planning Commission, Economic Development Committee, Leadership Olathe, Olathe Chamber Board of Directors, numerous committees of the Kansas Bankers Association. WORK EXPERIENCE: Principal -Heartland Financial Services, LLC 2006-Present Senior Sales Associate- Coldwell Banker Commercial Fishman & Company Realtors Regional Manager- ISD Financial, LLC President/CEO - Signature Bank KC2004-2006 Senior Vice President - Security Savings Bank2003-2004 Executive Vice President/Community Bank President-.Gold Bank1997-2003 Executive Vice President/Chief Lending Officer-Fidelity State Bank1980-1997 Vice President- Federal Land Bank Association1977-1980 EDUCATION AND PROFESSIONAL TRAINING: Fort Hays State University, Hays, Kansas, Bachelor of Science in Finance and Banking Graduate and Post Graduate School of Banking, Boulder, Colorado

4. Agent Alternatives Proprietary and Confidential – Do Not Reproduce or Further Distribute Pre-Qualification for Funding Must submit ALL of the below for initial review: Business Plan, Feasibility Study, Projection Model, Use of Funds, Project must meet the financial pro forma requirements.

5. Agent Alternatives Proprietary and Confidential – Do Not Reproduce or Further Distribute Funding Options Debt Project Funding Equity Project Funding Hard Money Lending Conventional Financing Specialized Funding Merchant Processing Merchant Cash Advance Program Working Capital

6. Agent Alternatives Proprietary and Confidential – Do Not Reproduce or Further Distribute The Funding Process Submission Prequalified Package. Business Plan Feasibility Study Projection Model Use of Funds Lender approves initial package. Client completes application and submits due diligence materials. Client meets with Lender representatives to gain support and identify concerns. Lender representatives prepare a project timeline and calculate funding requirements. Approval is obtained and closing timelines is in process. Referral fees paid at time of closing.

7. Agent Alternatives Proprietary and Confidential – Do Not Reproduce or Further Distribute Current Lending Market Conditions 25% of commercial businesses go up for sale each year. About 20% of new businesses fail in the first year. Only 44% of businesses make it through four years, according to the US Bureau of Labor Statistics. Only approximately 7% of commercial loans requests get approved now. Without a well-packaged application and business plan package, the application envelope and its contents go into the “circular file.”

8. Agent Alternatives Proprietary and Confidential – Do Not Reproduce or Further Distribute Secondary Market Lending $5,000,000 - $100,000,000 Property/Asset Types (multifamily, retail, office, industrial, self- storage, hotel, student housing and manufactured housing) Stabilized Class A & B Properties Deal Types First Mortgage Term: 5-10 years based on 30 year Amortization Debt Service Coverage Ratio: Minimum of 1.20x Fixed Interest Rate Loan to Value: Up to 75% Non-recourse loan

9. Agent Alternatives Proprietary and Confidential – Do Not Reproduce or Further Distribute Project Financing European Private Money Fund with offices in United States, Europe, Middle East, Asia Pacific, Kazakhstan and Australia Lender has an excellent reputation and proven track record $10,000,000 to $500,000,000 Five (5) to Seven (7) year interest only term loan; Lender will renew credit for an additional seven (7) years based on credit experience Collateral- First Real Estate Mortgage on real and personal property and assignment of income Non recourse loan Closing within 60 to 90 days

10. Agent Alternatives Proprietary and Confidential – Do Not Reproduce or Further Distribute Next Steps Any questions, please contact: Primary: Jerry Bengtson (913) 269-5551 jerry@heartlandfinancialservices.com