Specialized, Health Care,  Hotel/Motel

                     Eligible Property Types...............Specialized, Health Care, Hotel/Motel

                     Minimum Loan Amount.­...............$1,000,000

         Maximum Loan Amount.­..............Unlimited

         Recourse.....................................Recourse and Non-Recourse dependent upon plan

         Interest Rate Type......................Fixed and Variable

                     Loan Terms....................­.............up to 10-years fixed then adjustable

                     Amortization...............................up to 30-year

                     Debt Service Coverage...............1.25x

Loan-To Value...............­.............Acquisition:  Lesser of 80% purchase price or 80% of appraised value….Refinance 80% appraised value

Preliminary Information needed:                                            

1.    Detailed operating statements for the past three calendar years

2.    Year-to-date operation statements

       3.   Current Rent Roll and/or ADR and Occupancy, if

                            Hotel/Motel, Certificate of Need and Occupancy if Healthcare

4.      Personal Financial Statement

5.      Personal Tax Returns for three years

Commercial Lending Ratios