Service To Investor – Program Overview

UBI Group Private Lender’s Network™ (PLN) consists of Individual Investors, IRA’s, Trusts, Pension Plans, LLC’s, Corporations,
etc. The PLN is setup to fund 1st Position Trust Deeds, also known mortgage loans. When an investor becomes a Member of the
PLN, they become a “private lender” and gain access to high quality mortgage loan investments through UBI Group. The invested
monies are secured by loans on residential & commercial investment real estate properties in the State of FL. Lenders
are placed directly on the note & deed of trust which can be fractionalized among several lenders or wholly funded by
one lender. This is a passive investment opportunity for the Lender; Evergreen Servicing, LLC is the Servicer for the PLN
and manages all loan servicing functions including payment processing, property insurance & tax management, construction
control, payoffs, defaults and other servicing matters. The short terms loans are typically 12-18 months with interest only
payments due monthly. Interest payments are distributed monthly to Lenders. The loans must meet strict underwriting and due
diligence requirements administered by UBI Group. All loans funded through the PLN are individually processed and fully underwritten
before funded. UBI Group endeavors to only fund loans that will perform to the high standards the company has established
for the PLN in order to maximize the stability of the cash flow and rate of return for Lenders in the PLN. Lenders will pay
no buying/selling commissions or fees to lend money through the PLN. All commissions and fees associated with the origination
and servicing of the loans are paid by the Borrower. Lenders should consider their investment in a mortgage loan as illiquid
for a minimum of the term of each loan they fund (typically 12-18 months).

General PLN™ Information

Investment Opportunity:

Frequent Opportunities on a Loan by Loan Basis

Total PLN Raise:
Capital is Raised as Needed

Loan Servicing Company:
UBI Group

Lender Qualifications:
No Qualification Limitations

Minimum Investment Amount:

Target Return to Lenders:
10.00 – 12.00%

Interest to Lender:
Paid Monthly

Minimum Term to Lender:
As Long as Loan Runs (average of 10.5 months)

Type of Mortgages Investments:
First Lien, Interest Only, Trust Deed loans secured by a Deed of Trust securing Promissory Note personally guaranteed
by the principal Borrower/s.

Lending Territory:
All States

Term of Loans:
Generally 12 to 18 months

Tax Treatment:
Interest Income (Ordinary Income)

The Servicer’s income is derived from upfront fees, loan servicing fees paid by the Borrower such as, servicing fees, late
payment fees, escalated interest fees and others. For example, a loan may be originated at 14% to the Borrower and 12% is
passed on to the Lender with a 2% servicing fee paid to UBI Group. Lenders can achieve 10-12% returns through the PLN and
the income is characterized as interest income to the Lenders for taxation purposes. For more information,
click here to contact us.

Disclosure Statement:
This is not an offer to sell, or solicitation of offers to buy, securities in states where such offer of solicitation cannot
be made. This is not an offer to residents of New York or New Jersey or where prohibited by state statutes. This website
or advertisement shall not constitute an offer or solicitation to sell or buy securities in any state where registration
of the security is required or where such solicitation or offer cannot be made.

Any advice contained in this communication, including attachments and enclosures, is not intended or written to be used,
and cannot be used, for the purpose of (i) avoiding penalties under the Internal Revenue Code or (ii) promoting, marketing,
or recommending to another party any transaction or matter addressed in this communication.  We do not provide tax advice
on any matter, therefore we are not providing any guidance to the recipient on a “more likely than not” or higher confidence
level.  This communication is not intended to be a reliance opinion within the meaning of Circular 230