Investor Participation

JEMS loan criteria require a maximum 80% loan to value ratio. All of JEMS loans are secured by a first mortgage. Interest rates are based on Prime with a four to eight point spread, and JEMS charges borrowers a two to three point financing fee. Loan terms range from 6 to 18 months. Investors in JEMS receive participation in a specific loan or loans and have an interest in the mortgage proportionate to the amount they have invested versus the total loan amount. Investor’s rate of return is consistent with the interest rate of the loan in which they are participating. Financing fees are retained by JEMS as profit and overhead. JEMS issues Participation Agreements to investors evidencing their investment in a specific loan and investors will receive monthly interest payments as they are received from borrowers. Principal will be returned to investors as loans are repaid or may be re-invested in future loans.

91 Main Street, Suite 103 • Marlborough, MA 01752 • 508-229-7827 • rlo@keystonedev.net