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Zachary Krum Telephone: 215-953-5250

Jeffrey S. Krum Financial Consultants, Inc. Cell: 215-768-4639

950 Pennsylvania Boulevard Fax: 215-953-9619

Feasterville, PA 19053 Email: z.krum@jskfc.com

J S K F CJeffrey S. Krum Financial Consultants, Inc.

www.jskfc.com

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Table of Contents

Section I. Jeffrey S. Krum Financial Consultants, Inc.

Size of Loans

Loan Criteria

We Assist in Financing

Section II. The JSKFC Advantage

Section III. Commercial Mortgages

Section IV. Commercial Loans

Section V. Typical JSKFC Loans

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“If The Deal Makes Sense, Let’s Do It”

J S K F CJeffrey S. Krum Financial Consultants, Inc.

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Our Corporate Philosophy

“If The Deal Makes Sense, Let’s Do It”

At Jeffrey S. Krum Financial Consultants, Inc. (JSKFC) our goal is to provide our

clients with the best possible product for their commercial financing needs. We

have continued to reach that goal since the company’s inception in 1991.

• Purchasing and Refinancing Commercial Real Estate

• Asset Based Lending (Lines of Credit Based on Accounts Receivable and Inventory)

• Construction and Bridge Loan Financing

Services Include:Services Include:Services Include:

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Who We Are and What We Do

• Founded in August of 1991 by Jeffrey S. Krum, President

• JSKFC has flourished to become one of the most successful mortgage brokers in

the tri-state area

• We act as an intermediary for clients looking for commercial loans and/or

mortgages

• Although we primarily work with clients on the East Coast, we are able to

complete projects nationwide

• Working with the financial community for the last 29 years

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• We are able to present your commercial loan to a broad spectrum of potential capital sources

• We secure the best terms and pricing that the market can offer

The JSKFC Advantage

• We remain very much involved prior-to, during and after the transaction

• We share the burden of collecting and processing all information

• We coordinate third party reports

Extensive Database of Creative Financing SourcesExtensive Database of Creative Financing SourcesExtensive Database of Creative Financing Sources

Unsurpassed Service Ensuring a Successful CloseUnsurpassed Service Ensuring a Successful CloseUnsurpassed Service Ensuring a Successful Close

Superior Edge in the IndustrySuperior Edge in the IndustrySuperior Edge in the Industry

• Fees are paid only when an applicant has accepted and closed a loan

• Non-Exclusive Contract – which allows client to compare and contrast other alternatives

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Loan Criteria

Commercial loans are made based upon the value of your company's current and

long-term assets. The particular focus is on your company's management, systems,

operations, products, customer base and cash flow as well as the value and

performance of collateral.

Ideal criteria include:

• Manufacturer, distributor, wholesaler, retailer or select service company

• Relatively stable to unstable history of earnings and cash flow

• Firms experiencing rapid growth, operating turnaround dynamics and/or high leverage

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We Assist in Financing

• Expansion of a new business

• Acquisition of a new company

• Restructuring or consolidation

of debt

• Equipment purchase or lease

• Lines of credit for business

based on accounts receivable

Commercial LoansCommercial Loans Commercial MortgagesCommercial Mortgages

• Acquisition

• Refinance

• Construction

For the following:

– Mixed-use properties

– Shopping centers

– Office buildings

– Apartment buildings

– Mobile home parks

– Industrial buildings

– Warehouse properties

– Mini-storage facilities

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“If The Deal Makes Sense, Let’s Do It”

COMMERCIAL MORTGAGESCCOMMERCIAL OMMERCIAL MMORTGAGESORTGAGES

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Commercial Mortgages

• Owner Occupied

• Investment Properties

• Acquisition

• $100,000 to $10,000,000 and Up

• Refinance

• Construction

• Bridge Loans

Loan Types:Loan Types:Loan Types:

Loan Amount:Loan Amount:Loan Amount:

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Commercial Mortgages

• Mixed-Used Properties

• Shopping Centers

• Office Buildings

• Apartment Buildings

• Long Term Fixed Rates

• No Income Verification Products

• Non-Recourse Products

• 90% LTV Products

• Mortgage Products for Low Credit Scores

• SBA Loans with Amortization up to 25 years

• Warehouse Properties

• Mini-Storage Facilities

• Not-For-Profits (501(c)3)

For the Following:For the Following:For the Following:

Features:Features:Features:

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“If The Deal Makes Sense, Let’s Do It”

COMMERCIAL LOANSCCOMMERCIAL OMMERCIAL LLOANSOANS

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Commercial Loans

• Business Expansion

• Acquisition

• Restructuring

• Debt Consolidation

• $100,000 to $10,000,000 and Up

• Equipment Purchase/Lease

• Account Receivable Financing

• SBA Financing

Loan Types:Loan Types:Loan Types:

Loan Amount:Loan Amount:Loan Amount:

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Commercial Loans

• Manufacturers

• Distributors

• Service

• 80% Advance on Accounts Receivable

• Up to 50% Inventory Advance

• Impaired Credit Situations

• Cash Flow Problems

• Personal Credit Problems

• Highly Leveraged Companies

• Not-For-Profits (501(c)3)

• Retail

• Restaurants

For the Following:For the Following:For the Following:

Features:Features:Features:

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We Are Pleased to Announce the Following:

June 2010

December2010

July 2010 September 2010 October 2010

December 2010 December 2010 January 2011

A refinance in the amount of

$2,800,000

was obtained for a historic

landmark, multi-tenanted office

located in

Ocean City, NJat an interest rate of

6.5%

fixed for five (5) years; adjusting for an additional five (5) years with

a twenty-five (25) year amortization

A refinance in the amount of

$2,400,000

was obtained for a credit tenant

commercial property located in

Fairfield, NJ

at an interest rate of

6.47%

fixed for five (5) years; with a twenty (20) year amortization

A refinance in the amount of

$8,700,000

was obtained for a mechanical contractor located in

South Jersey

$7,000,000 Asset Based Line of Credit; 1 month libor market index rate + 425 bps; 75% advanced on

eligible receivables

$1,700,000 Commercial Mortgage; Five (5) year term; twenty- five (25) year amortization; 1 month libor +

450 bps swapped to a five year fixed rate of 6.8%

A refinance in the amount of

$1,200,000

was obtained for an owner occupied

motorcycle dealership located in

Uwchland, PA$200,000 line of credit

prime + 1.5%

$1,000,000 term loan

6.18%

fixed for five (5) years with a twenty (20) year amortization

A refinance amount of

$8,100,000was obtained for a tax exempt credit facility for a nationally recognized

Not-For-Profit in

South Jersey

$4,500,000 NJEDA tax free bond; five (5) year term; twenty (20) year

amortization; 4% fixed

$2,400,000 USDA term loan; five (5) year term; twenty (20) year amortization; fixed at 5.5%

$700,000 conventional mortgage; five (5) year term; twenty (20) year

amortization; fixed at 5.5%

$500,000 line of credit; twelve (12) month revolving facility; WSJ prime

rate + 1%

A refinance in the amount of

$1,350,000

was obtained for a three (3) tenant

commercial property located in

Philadelphia, PA

at an interest rate of

6.75%

fixed for ten (10) years, twenty- five (25) year amortization

A line of credit / term loan in the

amount of

$3,925,000

was obtained for a manufacturing

company in

Philadelphia, PA

at an interest rate of

Prime+ 1.25% (line of credit)

5.25% fixed for five (5)

years (term loan)

20 year amortization

A refinance in the amount of

$1,407,000

was obtained for an apartment

building located in

Philadelphia, PA

at an interest rate of

5.5%

fixed for twelve (12) years, thirty (30) year amortization

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Summary: Why JSKFC?

• Delivers unsurpassed service ensuring a smooth and successful close

• Provides access to a broad spectrum of potential capital sources

• Accommodates institutions and individuals with financing or creative "out of

the box" real estate loan alternatives

• Supports a typical turnaround time of 45 days

• Features a Non-Exclusive Contract highlighted by a broker fee that is only payable at

the time of settlement

We Can Help

“If The Deal Makes Sense, Let’s Do It”