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THE EQUITY LENDING PROCESS DEFINED

1. Existing Mortgage Notes: We have agreements with real estate

developers and private individuals that want to sell privately held notes.

Each loan will be evaluated to insure that it conforms to our lending criteria.

Once the mortgage passes our "feasibility test" we will then assemble the

package as we previously indicated and submit it to you for your final

review and conditional approval.

2. Originations: We will acquire 1st mortgages that provide an adequate

loan-to-value ratio.

Getting started is Fast & Easy. Making a decision today means that

tomorrow you can begin reviewing loans. Your commitment to do

business with Exceptional Mortgage Corp means that you will receive loans

for your review from time to time. You will make the final decision to

fund the loan or not, it's that simple.

ASK ABOUT HOW YOU CAN ROLL OVER YOUR IRA & SEP IRA.