mini-Prospectus

Company History and Description 2013 Forecast iServe Culture

2.12.13

“iServe Lending is a Retail only lender. We exist to serve the Retail

channel through our Partner Branch Managers and Loan Originators.

Our Originators serve the Borrower, we serve the Originator.”

– iServe Board of Directors

NMLS: 2914 Intended for licensed mortgage professionals only. Not for public distribution.

Company Description / History

iServe Residential Lending, LLC was established in February 2004

iServe was founded by seasoned lending experts that have weathered

the industry’s challenges to create a stronger, more agile lending platform.

The iServe group is backed by a well-capitalized Wall Street firm, National

Asset Direct (www.nationalassetdirect.com).

2.13.2013

iServe Companies combine these 3 unique divisions:

Mortgage (iSRL) We are a growing, Nationwide Lender with retail locations in multiple high volume markets. Through strategic partnerships our Branching platform offers a unique proposition in the mortgage industry.

Servicing (iSI) iServe Servicing Inc is focused on sub-performing and bank owed mortgages.

REO (iSR)

iServe REO provides customized, full service distressed asset management designed to minimize risk, while maximizing return.

The focus of this mini-Prospectus is our Mortgage Division

- Fast Track Approvals (1-2 days or less)

- Underwriter in your Branch office

- Branch Processor coordinates directly with underwriting

- AUS/Pricing engine at originator’s fingertips

iServe Lending is:

Agile – Focused – Fast

In today's competitive marketplace, an originator needs to respond quickly for their Clients, our platform is designed

from the ground up for Speed!

Company Description / History

2.13.2013 ISRL

“iServe is incredibly innovative. One of the most forward

thinking Lenders in the Industry today”

Company Description / History

ISRL 2.13.2013

Get Connected

Examples:

- LOS and underwriting system is 100% Web Based

- Single database for fast and accurate Branch reports

- Sophisticated analytics utilizing data to drive (BI)

- Individually branded Branch and Originator websites

- CRM / Leads / REO Search database for Branch and Originators

Headlines:

Fourth Quarter Metro Area Home

Prices Show Strongest Performance

in Seven Years -02/13 Press Release

"The highest share of consumers in

the survey’s two-and-a-half-year

history expect home prices to

increase in the next 12 months.”

-01/2013 FNMA News Release (Quotes ours) - Doug Duncan Senior Vice President and Chief Economist of Fannie Mae

Company Description / History 2013 Market Forecast

ISRL 2.13.2013

Refi activity is falling year over year according to the Mortgage Bankers Assoc. of America.

However, Purchase activity is on the Rise!

2012 2013* 2014*

Interest Rates

30yr Fixed 3.7% 4.1% 4.5%

10yr Treasury 1.8% 2.2% 2.5%

Mortgage Originations ($billion)

Res. Purchase 503 592 703

Res. Refi 1,247 818 358

Total % of Refi 71% 58% 34%

- 02/13 “Home sales are on a sustained uptrend, mortgage

interest rates are hovering near record lows and unsold

inventory is at the lowest level in 12 years”

-NAR Chief Economist Lawrence Yun.

iServe Residential Lending Press Release: San Diego, CA - January 23, 2013 - iServe Residential Lending (www.iservelending.com), a mortgage banker and

direct lender, has announced the rollout of their iCare customer service platform.

“Too many of our competitors lose sight of the borrower in today’s mortgage

transactions,” states Doug Wilson, CEO of iServe’s Mortgage Division. “We

want to serve the needs of the borrower and recognize their unique requirements.

It is the borrower’s perspective that is most important to us.”

Wilson further comments that “the loan process reflects a series of relationships,

knowledge, and skill sets applied by a team, all interdependent, with the goal of

serving the borrower. Most importantly, our actions have a direct effect upon the

lives of the borrower. In some cases, it is their first experience in the home buying

or refinance process. For many, it is a defining moment in their lives, in which

iServe participates as a critical link. We treat our clients with the same level of

service and respect that we expect when we are the customer. We never forget that

there is an individual or a family at the end of every transaction. iServe wants our

sales team to focus upon delivering guidance and solutions for our borrowers and

know they are part of a team who has adopted the iCare philosophy.”

Although iServe has always incorporated

this focus, It is nevertheless beneficial to

summarize the process of helping

borrowers in one overriding

philosophy easily stated

and universally understood.”

- iCare Team

Company Description / History 2013 Market Forecast

ISRL 2.13.2013

iServe Culture

2.13.2013

Company Description / History 2013 Market Forecast iServe Culture

ISRL

“We serve the needs of the borrower. It is the

borrower’s perspective that is most important to us”

– iCare Service With this in mind, we begin 2013 with a renewed emphasis on the most important members of the iServe organization:

You and your Borrower

ISRL 2.13.2013

If you are dedicated to growing your Branch in 2013 and beyond, you need these assets:

- Licensed Coast to-Coast.

- Partner in today's Real Estate environment.

- Dedicated Retail Lender.

- Incredible technology : AUS, Pricing Engine, Web-based LOS, Branch Analytics and much more…

- Dedicated Underwriter in your office.

Why should your Branch choose to Partner with iServe?

To learn more, contact: David Haynes Regional Manager 925-640-4671 dhaynes@iservelending.com www.iservelending.com