American Association of Private Lenders 7th Annual Conference Program

AAPL'S 7 ANNUAL TH

CONFERENCE & EXHIBITION NOVEMBER 13-15, 2016

CAESARS PALACE

CONFERENCE PROGRAM COVER YOUR ASSETS

Financing for Private Lenders Spend less time raising capital and more time originating loans!

Build your brand with quick, reliable financing from table funding through payoff Industry leading fix-and-flip loan program 90% LTC/70% Loan-to-ARV Gain a competitive advantage with no limits on loan volume, rates, or fees GET STARTED TODAY LenderFinance@LimaOneCapital.com www.LimaOneCapital.com/LenderFinance 2

Visit us at our booth!

I

N

T

R

O

D

CAPITAL

U

C

I

N

G

PROVIDER

FOR PRIVATE LENDERS Roc Lending is solely in the business of providing capital to Private Lenders. We have a dedicated team ready to handle your order flow, from origination to construction draws to payoffs. We’re not just a capital provider, we’re your dedicated back office. Less capital raising, more originating. Elevate your return on capital with Roc.

PROGRAM DETAILS:

• Eligible Borrowers: Private Lenders and Investment Funds

• Eligible Collateral: 1-4 Family Non-Owner Occupied Residential Investment Properties • Maximum Account Size: $50 Million • No Up-Front Fees

• Advance Rates Up to 90% • No Personal Recourse

• No Cross-Collateralization

“Roc has been paramount in helping us grow. They table fund our loans with a higher advance rate than any bank. They have a dedicated team on call to process and approve construction draws and payoffs.

With Roc, we can focus on making loans instead of raising money.”

—David Hansel, President, Alpha Funding Solutions

Contact us at info@roclending.com or call 212-607-8314 Learn more at www.roclending.com 40 West 57th Street New York, NY 10019 Roc Lending is a subsidiary of Roc Capital Holdings LLC.

Elevate your return on capital with Roc

3

REI Fund

ALPM pursues above-market returns for its investors/ clients by primarily investing in the historically strong and steady Texas real estate market.

A List Partners Management, LLC is a powerhouse team of real estate knowledge and experience providing high-yield alternatives through our managed funds for investors who want more for their money than the low interest rates offered by banks.

Additionally, ALPM offers high yield opportunities for Non-US Citizens who are seeking investment options in the USA.

Investors receive semi-annual distributions based upon the net profitability of the fund, meaning that some periods may have small distributions and some periods may have larger distributions.

The target of ALPM is to manage real estate transactions that yield greater than 12% annually.

Investors may choose to receive a check for their semi-annual distributions or they may choose to reinvest their distributWion to build wealth by compounding their earned distribution.

Compare our return rates to the rates banks offer on a five-year Certificates of Deposit, and see why ALPM offers a clear choice for the thoughtful investor.

Regional Center Fund

Each EB-5 project will be its own security filed with the SEC within A List Partners Regional Center.

Whereas most Regional Centers offer only a tiny return for EB-5 investors, A List offers a 3% annualized interest rate to EB-5 investors, AND in some projects investors share in a small equity percentage of the project.

For non-EB-5 investors investing through the Portfolio Interest Tax Exemption Program, the annualized returns are 8% of greater, AND in some projects investors will receive a bonus in addition to the annualized interest rate on the investment.

A List Partners Technology

Converting Cannabis Industry Legacy Money into Viable Investments

Frost Bank Tower 401 Congress Ave. Suite 1540 Austin, TX 78701 Phone: 512.687.6263

4

www.alistpartners.com

A List Partners Mentorship Program Turnkey Option to Set Up Your First Capital Fund While being Mentored by Experienced and Successful Fund Managers

SPEED NETWORKING FOR LENDERS, INVESTORS & SERVICE PROVIDERS Monday, November 14, 2016 | 4:00 p.m. - 5:00 p.m.

Caesars Palace, Promenade Level All Conference Attendees Invited!

With energy and enthusiasm, AJ Poulin, VP of Sales for The Mortgage Office, will host this networking event to help you connect with everyone in the room! Bring your business cards, questions, smile and your elevator pitch. You will meet investors, brokers, lenders, and service providers. This session alone will be worth the trip!

33Expand Your Network - FAST! 33New Contacts Every Few Minutes 33Maximize Your Time

33Accelerate Your Networking 33Meet Face-to-Face with Prospective Clients, Partners & Referrals

#AAPLAnnual

5

HONORING OUR

VETERANS 6

Thank you for your service and sacriямБce

2017 ANNUAL CONFERENCE SAVE THE DATE 12-14 NOVEMBER 2017 // CAESARS PALACE

AAPLConference.com

7

FEATURED SPEAKERS

8

MARK FLEMING, PH.D.

JONATHAN HORNIK

EDDIE WILSON

Chief Economist, First American Financial

Founding Partner, LaRocca, Hornik, Rosen, Greenberg & Roca

President, Affinity Enterprise Group

ROBERT BUCHANAN

CARRIE COOK

BRETT CROSBY

Managing Partner, CCG Capital

President, Ignite Funding CEO, Preferred Trust Co.

Co-founder and COO, PeerStreet

ADAPIA D'ERRICO

NEMA DAGHBANDAN,

ANTHONY F. GERACI,

Brand, Positioning & Growth Strategist

Partner, Geraci Law Firm

Managing Shareholder, Geraci Law Firm Member of AAPL's Ethics Advisory Committee

FEATURED SPEAKERS

CHRISTINA GERACI, ESQ.

JAKE HALLAHAN

MARK HANF

Managing Shareholder, Geraci Law Firm

Portfolio Manager, A List Partners

President, Pacific Private Money

MIKE HANNA

MARC HEENAN

JOHN HELMICK

CEO, Investmark Mortgage

Head of Commercial Origination & Asset Management, PeerStreet

Co-founder and CEO, Gorilla Capital

BREW JOHNSON

KELLEN JONES

SAM KADDAH

CEO & Co-Founder, PeerStreet

Chief Strategic Officer, Cache Private Capital

CEO, Liquid Logics

9

FEATURED SPEAKERS

10

RUBY KEYS

KEVIN KIM, ESQ.

ERICA LACENTRA

Marketing & Communications Coordinator, Geraci Law Firm

Senior Associate, Geraci Law Firm

Marketing Manager, RCN Capital

MELISSA MARTORELLA, ESQ.

ELIZABETH MORALES

ALEX MCNAIR

Associate, Geraci Law Firm

Business Development Director, Applied Business Software

Director of Lender Finance, Lima One Capital

SUSAN NAFTULIN

CORTNEY NEWMANS

DAVID OWEN

President, Rehab Financial Group

Director of Business Development, Lima One Capital

Sr. Managing Member, A List Partners Member of AAPL's Ethics Advisory Committee

FEATURED SPEAKERS

AJ POULIN

MATT RODAK

BEN SHAEVITZ

Vice President of Sales, The Mortgage Office

Founder & CEO, Fund that Flip

SVP of Loan Production, Patch of Land

EDDIE SPEED

RAY STURM

JEFFREY TESCH

Co-founder & CEO, AlphaFlow

Managing Director, RCN Capital

JOHN S. WARREN

SHAWN WOEDL

YOUR NAME HERE

Founder & CEO, Lima One Capital

Vice President, National Real Estate Insurance Group

You could be the central ingredient to the success of our next conference!

Founder, NoteSchool

11

SCHEDULE OF EVENTS SUNDAY, NOVEMBER 13 9:00 a.m. - 5:00 p.m. Certified Private Lender Class* 9:00 a.m. - 12:30 p.m. Certified Fund Manager Class* 1:00 p.m. - 5:00 p.m. Exhibitors' Check-In & Set-Up Gold in Notes 6:00 p.m.- 8:00 p.m.

AAPL VIP Reception (Invitation Only)

MONDAY, NOVEMBER 14 7:30 a.m. - 5:30 p.m. Attendee Check-In Open 7:30 a.m. - 7:00 p.m. Exhibitors' Hall Open 8:45 a.m. - 9:00 a.m. Opening Remarks 9:00 a.m. - 10:00 a.m. Keynote Address 10:15 a.m. - 11:15 a.m. Featured Speaker 11:30 a.m.- 12:30 p.m. Conference Sessions 12:30 p.m. - 1:30 p.m. Lunch Break 1:30 p.m. - 4:00 p.m. Conference Sessions 4:00 p.m. - 5:00 p.m. Speed Networking 5:30 p.m. - 7:00 p.m. Networking Reception

TUESDAY, NOVEMBER 15 7:30 a.m. - 1:00 p.m. Exhibitors' Hall Open 9:00 a.m. - 12:30 p.m. Conference Sessions 12:30 p.m. - 1:00 p.m. Conference Wrap-Up The American Association of Private Lenders (AAPL) and its related affiliates (including but not limited to: AGM, AEG, NREIG, Geraci Law Firm, Caesars Palace) and all co-sponsors will not be held liable for any and all manners of action, suits, damages, or claims whatsoever arising from any loss, damages, or claims to persons or property during the conference.

AAPL reserves the right to take action to members that fail to comply with the AAPL Code of Ethics.

Management reserves the right to make final interpretation of all rules.

PROMENADE LEVEL

13

BORROWER AND INVESTOR LEADS

+ POWERFUL MARKETING PrivateLenderLink is a unique online directory of reputable private lending companies

FREE HEADSHOT PHOTOS Stop by at our booth to get your free headshot photo taken www.PrivateLenderLink.com

At Preferred Trust Company

NOT CHARGE FEES FOR TRANSACTIONS THROUGH A LICENSED MORTGAGE BROKER WE DO

PREFERRED TRUST COMPANY P R E F E R R E D T R U S T C O M PA N Y. C O M

PREFERRED TRUST COMPANY, LLC (“Preferred Trust”) | 2471 W. Horizon Ridge Pkwy | Suite 100 | Henderson, NV 89052 | 702.990.7892 | www.preferredtrustcompany.com | Financial Institutions Division of Nevada License No. TR1002. Preferred Trust performs duties of a custodian and as such, does not sell investments or provide investment, tax, or legal advice. Preferred Trust is committed to safeguarding all non-public personal information provided to us by our customers. Preferred Trust collects, retains, and uses customer information where we reasonably believe that it will help administer our business or provide services to our customers. We collect and retain customer information only for specific business purposes and upon request will inform customers why we are collecting and retaining the information. We use information to protect and administer records, accounts, and funds; to comply with certain laws and regulations; to help us design or improve our services; and to understand the financial needs of our customers. Preferred Trust is an accredited member of the Better Business Bureau.

14

DIFFERENCE ➡ ➡ ➡

WHAT DOES THIS MEAN TO YOU?

It means that if you are working with a licensed mortgage broker the return on your investment is not going to be gobbled up in fees.

Having an IRA can be costly enough, so why layer on more fees than you have to? Do the math and choose the custodian that best meets your investment strategy.

888.990.7892 |

Experience the

UNDERSTAND WHERE YOU’RE LENDING At Ignite Funding we are not a fund. You select the projects and borrowers you want to lend to.

WORK WITH A LENDER IN THE AREA At Ignite Funding we lend primarily in the Southwest, not only is it our own backyard but the economic macros and micros are strong.

CHECK THE RECORD Ignite Funding believes strongly in transparency to our Investors, which is why every year we release our Loan Portfolio Performance Record available on our website at http://ignitefunding. com/performance-record/

Protect your investment by investing in the right place, with the right people!

IGNITE FUNDING 877.739.9094| IgniteFunding.com

Money invested through a mortgage broker is not guaranteed to earn any interest or return and is not insured. Ignite Funding | 6750 Via Austi Pkwy., Suite 230 Las Vegas NV, 89119 | P 702.739.9053 | 877.739.9094 | NV Mortgage Broker License #311 | CA Finance Lender #603J286 | AZ CMB-0932150 | AZ CMBBR-0121055.

Check us out at AAPL Conference & Expo Booth # 208

Sell your loans to PeerStreet quickly and efficiently PeerStreet provides unprecedented liquidity to the private lending industry.

SOME LOAN OFFICERS MOVE AT THEIR OWN PACE. (THEY WILL SOON BE EXTINCT!)

In this business, its survival of the fastest. To succeed, you need a lender who can move—with no excuses, no hassle, and no delays.

» In-house appraisals in 24-48 hours.

The PeerStreet Advantage Reduce your overall cost of capital Sell loans in days Gain a partner, not a competitor

» Funding as little as 4-10 days » We lend up to 80% of as-is value with no minimum FICO requirement.

We are always available at the drop of a hat to discuss any opportunity to help you grow your business. Got a project in mind? Call us today, because it’s a jungle out there!

CIVIC FINANCIAL SERVICES, LLC

|

1.877.47.CIVIC

|

www.civicfs.com

2015 Manhattan Beach Blvd, Suite 106 | Redondo Beach, California 90278 | DBO 603L321 / NMLS ID 1099109

www.peerstreet.com/lenders

©2016 All rights reserved. This is not a commitment to lend. Restrictions may apply. LTV limit is based on current, accurate appraised value. Civic Financial Services, LLC reserves theright to amend rates and guidelines. All loans are made in compliance with Federal, State, and Local laws. Civic Financial Services, LLC is a California Finance Lender under DBOlicense #603L321, AZ Mortgage Broker license #092863, ID Mortgage Broker/Lender License #MBL-8288, OR Mortgage Broker License #ML-5282, and WA Consumer Loan CompanyLicense #CL-1099109.

Civic Financial Services, LLC is an equal opportunity lender.

15

Capital Provider for Private Lenders Product Details: Eligible Loan Receivables secured by: Single family, multifamily, small balance CRE Amount: $10 - $75 million

Locations: Nationwide Lien Positions: First liens Term: 3 - 5 years Eligible Borrowers: Investment funds, bridge lenders, family offices

ssalzillo@bofi.com

NOTES

These techniques are new and unlike anything that you have ever seen before. By attending this special session, you will learn exactly what is working in today’s economy and in today’s real estate market such as...

Limited “bad boy acts” guaranty

Salvatore Salzillo

GOLD IN

858-350-6207

• How to price distressed loans by using actual case studies • Why the mortgage meltdown is in your favor • How to find these notes for pennies on the dollar • How to build your own portfolio starting with only $100 • Technical and legal aspects of distressed debt (due diligence, documentation, etc.)

Visit AAPL’s booth to lock in 2016 rates!

• Learn by dissecting actual deals in class

advertise with us today!

Private Lender by the American Association of Private Lenders reaches the most tightly targeted audience of Lenders, Fund Managers, Brokers, Investors, and Service Providers in the peer-to-peer lending community. It is the voice of the private lending industry. As such, advertising with Private Lender is an excellent investment and the ideal medium to reach anyone in the private lending industry.

16

#PrivateLender

Eddie Speed, NoteSchool Founder

Sunday, November 13, 2016 Caesars Palace - Florentine IV 1:00 p.m. - 5:00 p.m.

Private Money Lending Software Powerful, Flexible, and Easy to Use Used by most AAPL members Dodd-Frank and RESPA compliant Service multi-lender loans or pools with ease Automate budget and draw process for rehab loans Handle ARM, Construction, and Commercial loans Built in Trust Accounting Enhanced reporting and forecasting Online investor access 24/7 Increase productivity and accuracy

800 . 833 . 3343 | the mortgageoffice.com 17

AGENDA

SUNDAY NOVEMBER 13, 2016 CERTIFIED PRIVATE LENDER ASSOCIATION DESIGNATION COURSES FLORENTINE III 9:00 a.m.-10:00 a.m.

10:15 a.m. - 11:15 a.m.

11:30 a.m. - 12:30 p.m.

12:30 p.m. - 1:45 p.m.

Private Lending - Loan Underwriting Instructor: Robert Buchanan Loan Servicing & Collections Instructor: Kellen Jones Federal Private Lending Compliance Instructor: Melissa Martorella, ESQ. Lunch Break

1:45 p.m. - 2:45 p.m.

3:00 p.m. - 4:00 p.m.

4:15 p.m. - 5:00 p.m.

Commercial & Residential Loan Documentation Instructor: Melissa Martorella, ESQ. Mortgage Pools and Fractional Whole Loan Sales Instructors: David Owen, Kevin Kim AAPL Code of Ethics and Marketing Your Designation Instructors: Mike Hanna, David Owen

CERTIFIED FUND MANAGER DESIGNATION COURSES FLORENTINE IV 9:00 a.m.-12:30 p.m.

Mortgage Pool Fundamentals Instructor: Kevin Kim, ESQ.

OTHER ACTIVITIES 1:00 p.m. - 5:00 p.m.

1:00 p.m. - 5:00 p.m.

6:00 p.m.- 8:00 p.m.

18

Exhibitor Check-In & Set-Up Roman Ballroom Gold in Notes by Eddie Speed Florentine IV VIP Reception - invitation only The LINQ High Roller Wheelhouse

WWW.AAPLCONFERENCE.COM

MONDAY NOVEMBER 14, 2016 FLORENTINE I & II 8:45 a.m.-9:00 a.m.

Opening Remarks Presenter Eddie Wilson, President - Affinity Enterprise Group

9:00 a.m. - 10:00 a.m.

Keynote Address: Automation Angst - The Information Revolution, Millenials and the Housing Market In this election year, one area where both candidates agree is that middle-class Americans need help. How to address issues such as stagnant real income growth and the lack of well-paying jobs is greatly debated. Angst about automation, the latest economic “revolution,” is a real concern. What data drives this narrative? Mark Twain once said, “It ain’t what you don’t know that gets you into trouble. It’s what you know for sure that just ain’t so.” Uncovering the economic and demographic trends behind automation angst driving the narrative uncovers the truth behind the data and measures the real impact on the housing market.

Presenter Mark Fleming, Ph.D, Chief Economist - First American Financial Corp.

10:15 a.m. - 11:15 a.m.

Getting Hard Money Deals Done in 2016 (The good, the bad and the ugly.)

This presentation is a must see for anyone currently engaged in the hard money lending business. Jonathan will focus on current underwriting and legal pitfalls affecting hard money loans across the country as well as innovative structures and topical discussions from; underwriting hard money loans, complying with state and federal licensing requirements, state usury laws, predatory lending concerns and obtaining legal opinions for various loan transactions. He also will talk about starting a private placement fund to raise money under the JOBS Act and address the impact on the TILA-RESPA integrated disclosure rules on commercial lending.

Presenter Jonathan Hornik, Founding Partner - LaRocca, Hornik, Rosen, Greenberg & Roca

11:30 a.m. - 12:30 p.m.

The Future of Marketing: What will Your Marketing Look like in 2017?

In the face of incredibly disruptive martech and adtech innovation, where do CMOs and their teams begin to plan a 2017 budget when the new technologies they will need to compete then are likely still on the drawing board now? In this session, Eddie will provide insights and comprehensive trajectory of trends to uncover the most piercing insights shaping 2017.

Presenter Eddie Wilson, President - Affinity Enterprise Group

19

AGENDA

MONDAY NOVEMBER 14, 2016

(CONT'D)

FLORENTINE I & II 1:30 p.m.-2:30 p.m.

Gaining the Competitive Advantage: The Future fo Financing for Private Lenders Access to Capital is often perceived as the single greatest impediment to growth and profitability for private lenders. This session will contrast strengths and weaknesses of traditional financing and introduce an alternative approach that promises to accelerate your growth, efficiency and profitability Presenters John Warren, Founder & CEO - Lima One Capital Alex McNair, Director of Lender Finance - Lima One Capital

2:45 a.m. - 3:45 p.m.

Exponential Growth: How to Really Use OPM Scaling up a private lending business will always require investor capital. Come learn about strategic and practical solutions from industry experts to better enable you to position yourself and your business to pursue exponential growth. Kevin Kim, lead securities and corporate attorney at Geraci Law Firm, will be presenting practical solutions tailor made for private lenders including mortgage pools/ funds, note syndications and debt offerings. Kevin also will be discussing common regulatory and legal issues private lenders must navigate in pursuing other people’s money. Learn which model is the best fit for you, and how they will drive your lending business towards exponential growth.

Presenter Kevin Kim, ESQ., Sr. Associate - Geraci Law Firm

20

WWW.AAPLCONFERENCE.COM

MONDAY NOVEMBER 14, 2016 (CONT'D) FLORENTINE III 11:30 a.m. - 12:30 p.m.

Raising Capital through Foreign Investors

Billions of Dollars flow into the US every year from other countries and is being invested into US businesses and real estate. These non-US investors are seeking a reasonable return from relatively safe investments in the US. Most of this capital flows into large multi-national corporations or Wall Street broker houses.

However, non-US investors are quite savvy and are beginning to realize that there are better returns to be had by working with smaller businesses, developers and private lenders. Offering investment products that meet the needs of an expanding global community of investors will increase the profitability of private lenders and real estate developers. This presentation will give you examples of investment products that can be added to your current business to increase your Assets Under Management.

Presenters David Owen, CFM, Sr. Managing Partner - A List Partners Management Jake Hallahan, CFM, Portfolio Manager - A List Partners Management

1:30 p.m. - 2:30 p.m.

Crowdfunding - Still a Hot Real Estate Trend in 2017?

While some industries like transportation and hotels have been fundamentally changed by platforms like Uber and AirBnB, technological innovation in the real estate sector is still in the early stages. Online crowdfunding came to real estate in 2013 and last year hit over $2.5 billion worldwide. Hear from the leaders of this emerging space and learn how real estate crowdfunding might present opportunities not only for investors but also for traditional private lenders.

Presenters Ray Sturm, Co-founder & CEO - AlphaFlow AdaPia d'Errico, Brand, Positioning & Growth Strategist Marc Heenan, Head of Commercial Origination & Asset Management - PeerStreet Matthew Rodak, Founder & CEO - Fund That Flip

2:45 p.m. - 3:45 p.m.

Lend Like a Boss How Technology, Macro-Trends and Easier Access to Capital can Transform Our Space for the Better In this session, Brew Johnson, founder and CEO of PeerStreet will discuss macro and micro trends affecting the private lending industry, how lenders can use technology to outperform the competition, and how lenders of any size can access international capital markets.

Presenter Brew Johnson, CEO & Co-Founder- PeerStreet

21

AGENDA

MONDAY NOVEMBER 14, 2016

(CONT'D)

FLORENTINE IV 11:30 a.m.-12:30 p.m.

The Future of Funding Fix & Flip As real estate investment portfolios continue to diversify, so do borrower’s needs.

Many investors are buying both fix & flip projects and properties to buy, hold & lease. What will private funding look like in the next few years for funding fix & flip projects. How can these investors use their portfolios to fund new projects?

What funding options will be available to investors that are doing one to twenty fix & flip opportunities a year? Twenty-five to 100 fix & flips a year?

Presenters John Helmick, Co-founder & CEO - Gorilla Capital Cortney Newmans, Director of Business Development- Lima One Capital Jeff Tesch, Managing Director - RCN Capital Ben Shaevitz, SVP of Loan Production - Patch of Land

1:30 p.m. - 2:30 p.m.

Understanding Leverage: Warehouse Lines, Hypothecations & Debt Offerings

You’ve funded that loan. What’s next? The secondary market for private lenders has grown significantly in recent years. Many lenders have taken full advantage of these opportunities allowing them to expand their business, free up capital and increase deal flow. Learn from industry leading professionals about the strategies and structures available to private lenders to pursue secondary market opportunities.

Topics will include warehouse lines of credit, hypothecations, and the secondary market for loans.

Presenters Nema Daghbandan ESQ., Partner - Geraci Law Firm Kevin Kim, ESQ., Sr. Associate - Geraci Law Firm

2:45 p.m. - 3:45 p.m.

22

Not a one size fits all marketing approach.

The world is changing as communication methods become more impersonal and international borders are shrinking. Marketing is no longer something you can do the same old way and expect the same results. Without a doubt, millennials have different attitudes about property ownership and investment than prior generations.

In addition, foreign and growing minority groups in this country require different approaches and different faces when making investment and borrowing decisions.

Not only do private lenders need to market differently to attract different groups, they also need to present a more diverse face to the world when looking to capture new business relationships. Learn from successful entrepreneurs about how they are changing the “face” of their companies to reflect the changing times..

Presenters Susan Naftulin, President- Rehab Financial Group Carrie Cook, President - Ignite Funding; CEO - Preferred Trust Company Christina Geraci, ESQ., Managing Shareholder - Geraci Law Firm

WWW.AAPLCONFERENCE.COM

TUESDAY NOVEMBER 15, 2016 FLORENTINE I & II 9:00 a.m. - 10:00 a.m.

Branding & Communications Trends for 2017 If relevance, context, and effective delivery aren’t the topic of regular conversations in your marketing department, 2017 is going to be a frustrating year for you. Your brand needs to keep clear focus on the needs and expectations of your consumers - a group that is diverse and fragmented, with high expectations and little patience for anyone who can't keep up. Join this session to learn the best methods of staying competitive and visible.

Presenters Romney Navarro, CMO - Noble Capital Ruby Keys, Marketing & Communications Coordinator- Geraci Law Firm Erica LaCentra, Marketing Manager - RCN Capital Elizabeth Morales, Business Development Director - Applied Business Software

10:15 a.m. - 11:15 p.m.

The Importance of Ethics in Private Lending One bad lender can spoil the whole industry. With private lending platforms and products on the rise, regulators are paying attention. It is important to establish and maintain an environment where borrowers, brokers, vendors, investors, and other third-parties feel secure and incentivized. Pitfalls and bad actors CAN be quickly identified and avoided. This panel discusses measures that can be taken to actively self-govern as an industry and continue to get lender-friendly regulations passed, lacing competition with the highest standard of ethics.

Presenters (AAPL Ethics Advisory Committee): Kellen Jones, Chief Strategic Officer - Cache Private Capital Nema Daghbandan, Partner - Geraci Law Firm Mike Hanna, CEO - Investmark Mortgage Susan Naftulin, President - Rehab Financial Group Jeffrey Tesch, Managing Director - RCN Capital

11:30 a.m. - 12:30 p.m.

How I Plan on Surviving the Downturn Hear from an all-star panel of lenders and AAPL’s general counsel on how they plan on surviving the next downturn in the real estate market. Experts on the panel who survived and thrived in the crash of 2008 will provide unique insights as to what you should be doing today so you can survive tomorrow. Understand why an ounce of prevention is truly worth a pound of cure from the best in the private lending industry.

Presenters: Kevin Kim, ESQ., Sr. Associate - Geraci Law Firm Mark Hanf, President - Pacific Private Money, Inc. Mike Hanna, CEO - Investmark Mortgage

23

AGENDA

TUESDAY NOVEMBER 15, 2016 12:45 p.m.-1:00 p.m.

(CONT'D)

Conference Wrap-Up Join management and members of AAPL for a quick and informal conference wrapup to share what you believe to be the most important items you've heard, prioritize gaps, and make suggestions for the 2017 AAPL Annual Conference.

Presenter Eddie Wilson, President - Affinity Enterprise Group Linda Hyde, Executive Director - American Association of Private Lenders Chrissey Breault, Director of Marketing & Member Services - American Association

of Private Lenders

FLORENTINE III 9:00 a.m.-10:00 a.m.

Looking out for Private Lenders when it comes to Property Insurance If one of your borrower’s single-family investments caught fire last night, are you certain it is insured properly? Most importantly, is your exposure as the lender protected? To protect lender’s interests there are several items private lenders should require from their borrowers with regards to property insurance. Learn the ins and outs of investment property insurance from insurance industry expert, Shawn Woedl.

Presenter Shawn Woedl, Vice President - National Real Estate Insurance Group

10:15 a.m. - 11:15 a.m.

New Era for Equity Crowdfunding under Title III of the JOBS Act

All four titles of the 2012 JOBS Act are now actively in use across a spectrum of industries and projects, with billions of dollars already raised nationally for investments ranging from equity capital for businesses to real estate private equity and private lending. Learn the pros and cons of Title II, Reg CF and Reg A+ as to how they would apply to the real estate private lending industry. Become aware of how private lenders can use the appropriate structure for raising capital today.

The discussion will also dive into other regulations like Red D Rule 504 that private lenders and brokers should be aware of, and how these may be viable options in this new, expanded era of private/public capital raising.

Presenters Kevin Kim, ESQ., Sr. Associate - Geraci Law Firm AdaPia d'Errico, Brand, Positioning & Growth Strategist David Owen, CFM, Sr. Managing Member - A List Partners Management

24

WWW.AAPLCONFERENCE.COM

TUESDAY NOVEMBER 15, 2016

(CONT'D)

FLORENTINE IV 9:00 a.m. - 10:00 a.m.

Opportunities & Challenges in Marketplace Lending

Online platforms and marketplaces present new opportunities within private and traditional lending. Those opportunities are accompanied by a slew of new technological, regulatory, and operational challenges. Where investors can legally qualify themselves, and participate in financial transactions, there is no room for non-disclosure and underwriting mistakes. It is important to balance the ecosystem where the need for human quality control meets the power of data and automation.

There are notable differences between what an Online platform can do and what one should be doing. This panel discusses how to engage and overcome these challenges to attain success while focusing on the most critical components of management.

Presenters Brett Crosby, Co-founder and COO - PeerStreet Kellen Jones, Chief Strategic Officer - Cache Private Capital

10:15 a.m. - 11:15 a.m.

Protecting your Investors in the Cyber World If Sony, Yahoo, Target, Home Depot and JP Morgan Chase can get hacked, why couldn’t you? Protecting your data and your investors’ data should be at the top of your priorities. Come learn from other companies’ mistakes and what they failed to do when securing data. Do you think everything on the Cloud is safe? Think again.

That’s essentially someone else’s server. You need to know what they are doing to protect your data. Come and learn how to protect yourself in the cyber world.

Presenters AJ Poulin, Sr. VP of Sales - The Mortgage Office Sam Kaddah, Owner & CEO - Liquid Logics

11:30 a.m. - 12:30 p.m.

Inspiring Growth Means Getting out of the Way: The Science of the Strongest Leaders Practicing Self-Awareness The most successful businesses are led by those who have a clear understanding of why they exist and why they choose to do what they do, and who give their people the proper platform to accomplish their business goals. It is not enough to spoon feed or force feed a company’s vision to its employees; this is only a recipe for manipulation, not motivation. The growth of a business is determined by its leaders’ dedicated efforts to inspire employees by stimulating and encouraging them to grow personally and professionally; only then will a business owner experience the simultaneous growth of their people and their business. The strongest leaders know who they are, strive daily to improve who they are, and surround themselves with those that compliment who they are.

Presenter Christine Geraci, ESQ., Managing Shareholder - Geraci Law Firm

25

NOTES

26

THANK YOU TO THOSE WHO SPONSOR & EXHIBIT

Anchor Loans Appraisal Nation Black Square Bloomfield Capital CCG Capital Carolina Hard Money Colony American Finance Community Buying Group EDR FCI

First Rehab Lending Fundingdatabase.com Funding Warehouse Ignite Funding Investability IRA Services Trust Company Land Gorilla Loan MLS Mainstar Trust Mortgage + Care

New Direction IRA Note Servicing Center Preferred Trust Company Private Money Lending Guide REI Guard Rent Fax Roc Capital Specialty Lending Group Superior Loan Servicing Toorak Capital Partners

27