Investor Presentaiton

Loan Structure Principal Amount Loan-to-Value Ratio Interest Rate Origination Terms $35,000 to $1.1 million (maximum loan amount cannot exceed 10% of portfolio) Up to 65% Fixed rate between 9% and 12% with a default rate of 18% 2.0% for loans of one year to 5.0% for three-year loans One to three years Prepayments Payment Terms No prepayment penalty Interest payable monthly with principal payable at maturity SACHEM CAPITAL 9

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