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The RAMA Fund Overview

The Fund is a California Limited Liability Company that allows investors to pool their financial investments through the acquisition of membership interests. The Fund’s pooled resources are loaned to real estate owners and secured by deeds of trust encumbering the underlying real estate. The Fund invests primarily in commercial first trust deeds and requires substantial equity cushion to protect the capital invested. The maximum loan-to-value will not exceed 65%.

• Commenced September 26, 2008
• $26.6 million assets under management (2)
• 24 month rolling lock-up with 90 days redemption notice
• Management fee: 1.0% annualized rate based on AUM, paid monthly
• Investors’ preferred return: 9.0% annualized rate, distributed monthly
• Performance fee: 50% of excess annualized return above 9.0%, paid monthly
  

Portfolio Metrics

• Weighted Average Loan-to-Value:      40.5%
• Weighted Average Coupon:               11.8%

Administration

• Auditor: Armanino McKenna LLP - CA
• Counsel: Doss Law - CA, Geraci Law, & Nassie Law - CA
• Custodial Cash Manager: Morgan Stanley Smith Barney - NY
• Loan Sub-Servicer: FCI Lender Services - CA