Main Street Capital Partners All Rights Reserved Disclaimer

© Main Street Capital Partners. All Rights Reserved

Disclaimer This presentation is for informational purposes only and does not constitute an offer or solicitation to sell membership interests or securities in the Company or any related or associated company. Any such offer or solicitation will be made only through a confidential offering memorandum or other offering materials and in accordance with all applicable federal and state securities laws and regulations. You must complete an investor questionnaire and meet suitability standards required by law. The information herein does not constitute investment advice or counsel or solicitation for investment in any security. The information herein does not constitute or form part of, and should not be construed as, any offer for sale or subscription of, or any invitation to offer to buy or subscribe for, any securities, nor should it or any part of it form the basis of, or be relied on in any connection with, any contract or commitment whatsoever. The Company expressly disclaims any and all responsibility for any direct or consequential loss or damage of any kind whatsoever arising directly or indirectly from: (i) reliance on any information contained herein, (ii) any error, omission or inaccuracy in any such information or (iii) any action resulting therefrom. © Main Street Capital Partners. All Rights Reserved

Pricing is combination of Art & Science Learn by Doing!

Exit Strategies Reinstate the Loan Discounted Payoff Payment Plan Forbearance Plan Loan Modification Short Sale Refinance Deed in Lieu of Foreclosure © Main Street Capital Partners. All Rights Reserved

Reinstate the Loan Borrower pays the arrears and late payments and starts making payments again. Can be partial payments © Main Street Capital Partners. All Rights Reserved

Discounted Payoff Borrower pays less than the unpaid principal balance of the loan as final and total. Example: UPB of Loan $49, 000 Lender accepts a 25% discount on payoff as final payment. Borrower pays $36, 750 and is relieved of the balance. © Main Street Capital Partners. All Rights Reserved

Payment Plan Three Types: Forbearance Agreement: Arrears and late fees or a portion is added to the back of the loan and the time is payment time is extended Loan Modification: Terms of the loan are changed and in effect a new loan is written. Loan Modifications are recorded. Workout: A new payment plan is put in place that BENEFITS the borrower, ie Lower payment, lower principal, extended terms. Done in letter form and if new default reverts back to the original note © Main Street Capital Partners. All Rights Reserved

Short Sale Assist the Borrower in selling the home for less than the unpaid principal balance. © Main Street Capital Partners. All Rights Reserved

Deed in Lieu Borrower gives up the deed to prevent the lender from foreclosing. Home becomes REO © Main Street Capital Partners. All Rights Reserved

Foreclose Foreclosure can be started on a large number, however it is rarely completed. Determine Costs © Main Street Capital Partners. All Rights Reserved

History © Main Street Capital Partners. All Rights Reserved