Calworth Glenford, LLC has been in business helping folks in real estate and investments since 1996.

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1 Calworth Glenford, LLC has been in business helping folks in real estate and investments since Calworth's team includes processing, commercial funding and hedge fund experts. To help Calworth's clients with commercial workouts, Calworth works with Adam P. Von Romer, CCIM. Mr. Von Romer has been involved in the Real Estate business since 1983; he obtained a real estate license in Pennsylvania before moving to Florida in the late 1980 s. cid:5c973ea f23-bba1- FFCB8B63CC4@AmericaVest.local Mr. Von Romer has worked with or trained agents from Century 21, ERA, Homes for Living, Coldwell Banker, ReMax, Better Homes and Gardens, and numerous other residential and commercial real estate companies. To date he has brokered, supervised, or negotiated over $1.6 Billion in transactions and specializes in the sale of commercial investment real estate. Mr. Von Romer has authored countless articles on commercial investment real estate including continuing legal education courses on commercial leasing and commercial finance in Florida. Mr. Von Romer has spoken for the National Association of Industrial and Office Properties, the National Association of Realtors, the Florida Association of Realtors, The Broward Alliance, The Tower Club Real Estate Forum and many other civic and trade organization. Basics of Commercial Leasing for the Realtors Association of Greater Fort Lauderdale, and has helped Richard Geller, CEO of Calworth Glenford, put together the most authoritative course on commercial loan mod workouts, Distressed Property Formula. Mr. Von Romer has been a licensed real estate instructor, licensed mortgage broker, licensed community association manager and was a contributing editor to the Gaines and Coleman pre-licensing text. Mr. Von Romer has spent the past 20 years working almost exclusively with institutions and high net worth individuals providing numerous services including workouts, restructuring, audits, short sales, lease and loan modifications. Mr. Von Romer has worked for First Union, MONY, J.E. Robert & Co, Pioneer Federal Savings and Loan, Barnett Bank, Republic Federal Bank, Pine Bank, Ocean Bank, as a special servicer, auditor, conservator and receiver. In his work as part of the Calworth team, Mr. Von Romer works with Adam J. Ouellette, Esq. to help commercial investment property owners get the negotiation expertise they so desperately need. Calworth Glenford, LLC 4120 Leonard Drive Fairfax, Virginia Telephone ext.351 cfmmod@getrapidhelp.com He has been a featured guest speaker at the Millionaire Club Business roundtable, has done numerous radio shows and has even appeared on television. Mr. Von Romer regularly teaches Getting Started In Commercial Real Estate and the

2 Lease Modification Fitness Center Minnesota Eliminated Personal Guarantee Reduce Rental Rate 30% -/+ Rent reduced from nearly $20.00/sq. ft. to just over $12.00/sq. ft. Mortgage Modification Stopped Receivership Stopped Foreclosure Sale 5% Interest Only 18 Months 5% P & I for 18 Months Waived Late Fees Arrearages moved to back of loan Cut monthly payment by 2/3's Hotel, Arizona Lease Modification Optical Store South Florida Reduced Rental Rate 24% Eliminated Guarantee Over $1,700/month saving Mortgage Modification 20% principal reduction 200 BPS off current rate No late fees No penalties Balloon eliminated Office/Warehouse, Florida P & I cut nearly in ½

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4 I want to thank you [Adam] for helping us go through a very difficult period. Your company helped us throughout the process. You were readily available, constantly updating us on what was going on. You kept the lenders on the table. Your partner Adam was very knowledgeable on the legal side, personally took great pains to get the process finished. I would definitely recommend your company to anyone who needs help in these difficult times. You have become a close friend who I can trust. Thank You and God bless you. Ojash N. Jariwala

5 3 Mortgage Modifications With Significant Reductions The information you provided to me allowed me to assist with three mortgage modifications with significant principal reductions Richard explains difficult concepts in a practical, plain spoken that white collar and blue collar folks alike can understand and apply to improve their financial lives and get peace of mind. Dave Green Consulting

6 Balloons eliminated completely