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<b style="mso-bidi-font-weight: normal;"><font face="Arial"><font color="#000000">American Capital Corporation<o:p></o:p></font></font></b></p>
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<font color="#000000" face="Arial">American Capital Corporation (ACC) was founded in 1994 and is now one of the largest independent mortgage bankers/brokers in California. We have also expanded into Colorado, New Mexico, Oregon and Hawaii.</font></p>
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<font color="#000000" face="Arial">Our mission is to provide superior customer service, quality products and great pricing in order to guarantee that the client has a positive loan experience when obtaining Real Estate financing.</font></p>
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<font color="#000000" face="Arial">ACC has an onsite mortgage banking division called ACBN.<span style="mso-spacerun: yes;"> </span>Our highly trained banking staff performs the underwriting, loan documents and funding functions for our retail and wholesale client base. ACBN has been an innovator in products, pricing and technology for over 13 years, and has an impeccable reputation with its customer and investor base. Investors such as Wells Fargo, Chase, GMAC, Flagstar, US Bank and Suntrust are the lenders ACBN sells closed loans to.<span style="mso-spacerun: yes;"> </span>These are the product and price leaders in the industry, which insures our client base is receiving the best loan possible.</font></p>
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<font color="#000000" face="Arial">In addition to mortgage banking, ACC has over 20 wholesale lenders we broker to in order to guarantee the best pricing and products available for our clients.</font></p>
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<font color="#000000" face="Arial">Our processing and operations staff is filled with high quality, long term employees who thrive in our positive work environment. We have over 250 Retail Loan Officers and over 300 broker relationships. American Capital and ACBN support over 1000 loan originators and an annual funded loan volume in excess of $1 billion.</font><o:p><font color="#000000" face="Arial"> </font></o:p></p>
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<font color="#000000" face="Arial">The three founders of American Capital each have over two decades of mortgage experience, are seasoned mortgage originators, and are active in continuing to improve the company with the latest technology and pricing tools in the industry.</font></p>
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<font color="#000000" face="Arial">Our business plan encompasses a wide range of objectives that we feel are important to meeting the high level of expectations for the Real Estate professionals, borrowers, lenders and investors. By being relentless in the execution of our business plan, and paying attention to the mission of the company, American Capital will continue to be a top performer in the mortgage industry. </font></p>
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<font color="#000000" face="Arial">We appreciate your business, and look forward to working with you.</font></p>
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