All loans are subject to approval. Certain restrictions apply. This document is not intended as an offer to extend credit, a commitment to lend, or an offer to enter into an interest rate lock-in agreement. The loan interest rates, fees and terms presented are for illustrative purposes only and may not be currently available as rates are subject to change and availability. All loan products are not available in all states. This document has been prepared to assist loan originators in illustrating some of the financing options available to consumers. Mortgage loans are originated by Global Equity Lending, Inc., 6465 East Johns Crossing, Johns Creek, GA 30097, which currently conducts business in the states listed below. Applications may be pending in additional states. For more information on interest-only and payment option mortgage loans, please see Global Equity Lending’s Information about Adjustable Rate Mortgage, Interest-Only Mortgage, and Payment Option Mortgage Loans located at www.globalequitylending.com and ask for details.

Alabama; Alaska; Arkansas; California Licensed by the Department of Corporations under the California Residential Mortgage Lending Act; Colorado Consumer Credit Code Licensee Number 097213; Connecticut If we are acting as the broker, BROKER ONLY, NOT A LENDER.; Florida; Hawaii Global Equity Lending, Inc., 1100 Alakea Street PH-1, Honolulu, HI 96813; Indiana; Maine; Maryland; Massachusetts Mortgage Lender and Mortgage Broker Licensee Number MC3030-If we are acting as the broker, we arrange but do not make loans.; Michigan; Minnesota; Nevada Global Equity Lending, Inc., 1880 East Warm Springs Road, Ste. 115, Las Vegas, NV 89119 Phone: (702)697-0880. 3100 Mill Street, Ste. 212, Reno, NV 89502 Phone: (775)322-7377. We originate residential mortgage loans, acting as either the mortgage broker or lender.; New Jersey Licensed by the New Jersey Department of Banking and Insurance. Global Equity Lending, Inc., 35 Robbinsville Allentown Road, Unit 25B, Robbinsville, NJ 08691. Phone: (609)844-7639. If we are acting as the mortgage broker, we will not make any mortgage loan commitments or fund any mortgage loans since we arrange loans with third party providers. Percentage of down payment required may vary, a higher interest rate or points may be required, and restrictions may apply as to the maximum principal amount of the loan offered.; New Hampshire Global Equity Lending, Inc. doing business as GEL Lending, Licensed by New Hampshire Banking Department, Mortgage Banker License No. 5483-MB; New Mexico; North Carolina; North Dakota; Ohio Global Equity Lending, Inc., 7577 Central Parke Boulevard, Ste. 310, Mason, OH 45040, Registration No. MB.803229.001-BR; Rhode Island Licensed Lender and Licensed Broker; South Carolina; South Dakota; Tennessee; Texas Registered Mortgage Banker #46737, Texas Regulated Loan License #9763-44863, Global Equity Lending, Inc. 6465 East Johns Crossing, Johns Creek, GA 30097 Phone: (770)613-2750; Utah; Vermont; Virginia Global Equity Lending, Inc. Licensed by the “Virginia State Corporation Commission.” License #MLB-852. Please note that refinancing an existing loan may result in total finance charges being higher over the life of the loan. Stated interest rates may change or may not be available at the time of loan commitment or lock-in.; Washington Global Equity Lending, Inc. Consumer Loan Licensee; Wisconsin.

The Federal Communications Commission (FCC) and the Federal Trade Commission (FTC) have established rules regarding telephone solicitation (cold calling) of customers and a Federal “Do Not Call” registry. Global Equity Lending, Inc. and its affiliated companies support these rules and attempt to insure compliance with them. Questions regarding these rules should be directed to the GEL Home Office, Attn: Compliance.

07/29/08