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Investor Presentaiton

Coordinated and Comprehensive Approach to Asset Management ORIGINATION TEAM THAT SOURCES A LOAN REMAINS RESPONSIBLE FOR ASSET MANAGING IT THROUGHOUT ITS LIFECYCLE UNTIL REPAYMENT . 5-point loan risk rating system • Deal teams retain key decision-making authority on asset management (budgets, lease approvals, monitoring, tracking business plan, etc.) Frequent communication and feedback with property owners • While key decision-making authority is held by the Company, third party servicers are used to increase efficiency and leverage internal resources . - Longstanding relationship with Trimont Real Estate Advisors Handpicked team at Trimont of fully-dedicated and experienced asset management and servicing professionals Asset management provides a key early warning system for credit issues, and in many cases can prevent them from occurring Monitor to ensure compliance with loan terms Review draw requests for leases and capital items - Remain proactive when business plans begin to slip • Transitional business plans are by nature organic and are expected to evolve over time - Ongoing proactive asset management is a critical component of risk management and in meeting the ongoing needs of borrowers as their business plans evolve 18
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