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“Term Annual Percentage Rate (APR) as low as 1 to 60 months 4.49% APR* *APR = Annual Percentage Rate. Membership eligibility required. Credit restrictions apply and applications are subject to credit approval. Loan rates are determined by overall credit history and are subject to change without notice. Monthly payments for a 1 year Save & Boost Credit Loan secured by a Share Savings would be $85.39 per $1,000 borrowed at 4.49% APR*. Maximum loan amount of $2,500. See branch for full details.”

“Account Type Dividend Rate APY* Share Savings 0.25% 0.25% Bright Future Savings 0.25% 0.25% Loan Payment Share Savings 0.25% 0.25% Kids' Cash Savings 0.25% 0.25% Club Accounts** 0.25% 0.25% (HSA) Health Savings Account*** 0.25% 0.25% *APY = Annual Percentage Yield. Minimum balance of $50.01 is required to earn interest on all account types except Bright Future Savings and Kids' Cash Savings. Dividends are compounded and paid monthly. Dividend earnings may be affected by fees. The rate on a share savings account is variable and may change after account opening. Membership eligibility required. Insured by NCUA. Speak with a GPO representative for current rate information as well as applicable fees and terms. **Club Accounts include Special Purpose, Christmas, and Vacation Accounts ***Health Savings Accounts are subject to the completion of an application and the account’s features, terms and conditions, which are subject to change at any time in accordance with applicable laws and agreements. Please see any branch for full details.”

“Term Annual Percentage Rate (APR) as low as 1 to 60 months 5.24% APR* 61 to 66 months 5.99% APR* *APR = Annual Percentage Rate. Membership eligibility required. Credit restrictions apply and applications are subject to credit approval. Loan rates are determined by overall credit history and are subject to change without notice. Typical monthly payments for a 5 year used auto loan at 5.24% APR would be $18.99 per $1000 borrowed. See branch for full details.”

“Term Annual Percentage Rate (APR) as low as 1 to 66 months 6.49% APR* 67 to 84 months 7.49% APR* 85 to 120 months** 8.20% APR* 121 to 180 months** 10.49% APR* *APR = Annual Percentage Rate. Membership eligibility required. Credit restrictions apply and applications are subject to credit approval. Loan rates are determined by overall credit history and are subject to change without notice. Typical monthly payments for a 5 year used boat, motorcycle or RV loan at 6.49% APR would be $19.57 per $1000 borrowed.**Loan terms of 85 to 180 months need minimum loan amount of $40,000, maximum loan-to-value equals 90%. See branch for full details.”

“Term Annual Percentage Rate (APR) as low as 1 to 12 months 5.99% APR* * APR = Annual Percentage Rate. Membership eligibility required. Credit restrictions apply and applications are subject to credit approval. Loan rates are determined by overall credit history and are subject to change without notice. Typical monthly payments for a 1 year Warm Home loan at 5.99% APR would be $86.07 per $1000 borrowed. Maximum loan amount of $3,000. See branch for full details. Facebook Instagram LinkedIn YouTube Contact Us Rates AudioEye Accessibility Locations & Hours Lost or Stolen Card Disclosures Routing Number: 221380761 Careers Electronic Consent Agreement © 2026 G.P.O. Federal Credit Union | Portions Copyright © Kasasa, Ltd. All rights reserved. 7/18/26”

“Our lenders have many years of experience lending in commercial construction in Florida, including horizontal construction, vertical commercial construction, and acquisition and development projects. Contact Us or visit our office for more details Gala Personal Loans Personal Loans Back to the top Gala Bank Financial Privacy Policy © Gala Bank Equal Housing Lender”

“Whether you’re planning to purchase a new property or refinance an existing one, we offer: ul]:my-0"> Loan amounts starting at $25,000, up to 85% Loan-to-Value ul]:my-0"> Fixed or variable interest rates ul]:my-0"> Terms up to 180 months (15 years) ul]:my-0"> Amortizations up to 240 months (20 years) Call Us Today! 210-767-5202”

“Business Close Business Open Business SUPPORT FOR your GROWING BUSINESS From business accounts to specialized services, GRB can help you take your business to the next level. Business Banking Accounts Business Financing Professional Practice Banking SBA Lending Specialized Banking Services Commercial Real Estate Financing Meet Our Team Customer Stories”

“Commercial Real Estate Financing Solutions”

“Contact our Commercial Real Estate Team to talk about your specific Commercial Real Estate financing needs. Fill out the Contact us Today form below . Facebook This field is for validation purposes and should be left unchanged. Fill out this form and a GRB team member will contact you within one business day. Some fields are required. Please do not include any non-public personal or sensitive information (such as SSN, account numbers, or income), as email messages may not be secure and/or confidential. Users must be of legal age to enter into a contract to begin the mortgage application process. We're glad you're here! How did you find us? (Check all that apply) Already a GRB customer Realtor referral Web advertising Internet search Personal referral Event or trade show Social media TV Worked with GRB before Print, radio or billboard advertising We'd love it if you can tell us more about your personal referral to GRB: Family/friend GRB employee Professional (accountant, attorney, insurance, etc.) Organization (Neighborworks, etc.) Other Which Realtor are you working with? Cool, let us know who to thank! Just one more quick question before I can get you to someone who can assist you. How did you find us? (Check all that apply) Already a GRB customer Web advertising Internet search Personal referral Event or trade show Social media TV Worked with GRB before Print, radio or billboard advertising First Name (Required) Last Name (Required) Email This field is hidden when viewing the form Email2 Phone (Required) Service area (Required) ZIP Code How can GRB help you today (check all that apply)? (Required) Commercial banking Personal banking New home mortgage or refinance Customer service for closed mortgages Customer service for current HELOCs and accounts, online banking access, etc. Fraud report If you are currently working with a Mortgage Originator from GRB or have worked with one in the past, please provide their name. Where are you planning to purchase a home? Rochester Buffalo Syracuse Finger Lakes Thousand Islands/Adirondacks Albany Other What mortgage options are you considering (check all that apply)? Conventional loans FHA, VA, USDA loans First-time buyer programs, grants & discounts Cash+Mortgage RateRelief/RateRelief+ HomeAssist Employer programs (University of Rochester, RIT, Rochester Regional Health, RCSD, etc.) Buydowns Jumbo loan Construction draw loan Investment and portfolio loans Refinance So we can answer your questions completely, please let us know how we can help you with your Commercial Banking needs (check all that apply): Business banking accounts SBA/business financing Commercial real estate financing Professional practice banking (dental, veterinary, financial, legal, real estate, etc.) Cash management Merchant services Municipal banking How can we help with your personal banking needs (check all that apply)? General Deposit Accounts (checking, savings, money market, youth accounts) Special Deposit Accounts ”

“Wherever you are in your financial journey, GRB has the products and resources to help.”

“Commercial real estate financing involves obtaining funding to purchase , develop , or refinance commercial properties such as office buildings, retail spaces, industrial facilities, or multi-family residential complexes. GRB offers a range of options for commercial real estate financing. With local decision-making, GRB provides solutions designed for our market. We know this region and support the growth and development of this community. Our decision-makers live here. That knowledge – coupled with superior service – helps GRB simplify commercial real estate financing for: Property Acquisition Purchase commercial real estate properties such as office buildings, retail centers, industrial warehouses, hotels, and other income-generating properties. Property Development Finance the construction of new commercial properties, including office complexes, shopping centers, apartment buildings, and mixed-use developments. Construction Financing Provide short-term construction loans for the building of new commercial projects. Residential Subdivisions Site development loans and construction financing for residential subdivisions in order to complete site improvements and construct new homes. Renovation Or Rehabilitation Property owners and investors can use CRE loans to renovate or rehabilitate existing commercial properties to increase their value, improve aesthetics, enhance functionality, or comply with building codes and regulations. Mortgage Refinancing Refinance existing commercial mortgages to take advantage of better loan terms, extend loan maturity, access equity in the property, consolidate debt, or improve cash flow. Working Capital Businesses can access capital for various operational needs, such as purchasing equipment, financing tenant improvements, covering operating expenses, or funding expansion initiatives with CRE loans. Bridge Financing CRE loans can serve as short-term bridge financing solutions for commercial real estate transactions, such as acquisitions, until permanent financing or other sources of capital become available.”

“We work here and live here. GRB is focused on making our community a better place. The GRB Experience Community Outreach Careers Overview Locations Company History GRB Leadership & Board Login Business Desktop Login Business Mobile Login Personal Login Login Business Desktop Login Business Mobile Login Personal Login Business Desktop Login Business Mobile Login Personal Login Business Overview Business Accounts Business Financing Professional Practice Banking Specialized Banking Services Commercial Real Estate Financing Solutions Commercial Team Customer Stories Personal Overview Checking Savings Smart Start Youth Bank Accounts Online & Mobile Banking Certificates of Deposit Personal Loan Health Savings Account Home Equity Line of Credit Relationship Banking Team Online & Mobile Banking Mortgages Overview Mortgage Programs Mortgage Team Mortgage Update With Mike & Joe Realtor Resources Buyer Resources Apply Now Resources Overview Resource Center Security Resources Lost/Stolen Card Report Fraud About GRB Overview GRB Experience Community Outreach Careers Company History Leadership & Board Locations Search Search Locations Careers Security Contact”

“With flexible programs, GRB’s mortgage team is ready to assist you with your homeownership goals! Mortgage Programs Meet Our Team Mortgage Podcast Apply Now Mortgage Calculator Refinancing Mortgage Rewards Buyer Resources Realtor Resources Resources Close Resources Open Resources”

“Multifamily Lending”

“Contact us today to talk about your income-producing property lending needs. CONTACT US Routing# 122245280 Phone: 1-949-273-1226 View Our Locations About Us Who We Are News & Press Releases Leadership Genesis Bank Institute for Entrepreneurship Genesis for Good Career Opportunities How Can We Help? Contact Us Service Center Report a Lost or Stolen Card Locations & Hours Find an ATM Email Us Welcome Excel Security and Privacy Privacy Terms of Use Protecting Your Information Identity Theft External link to FDIC website External link to equal housing lender website Privacy Policy | Terms of Use | Web Accessibility Guidelines | Cookie Preferences | Your Privacy Choices © 2026 Genesis Bank. All rights reserved. Financial website created and powered by forbinfi Close COMMERCIAL BANKING Business Accounts Business Checking Business Savings Money Market Certificates of Deposit ICS and CDARS FX/International Wires Back Commercial Lending Lines of Credit Secured Loans Letters of Credit Equipment Financing Credit Cards Owner Occupied Real Estate SBA Lending Back Business Solutions Industries We Serve Owner Occupied Real Estate HOA Banking Specialty Industries Specialty Banking Treasury Management GenTeck℠ Connect Mobile Banking Back Back INCOME PROPERTY BANKING Loans Property Types Multifamily Lending Investor Owned Real Estate Back Business Solutions Treasury Management GenTeck℠ Connect Mobile Banking Back Back ESCROW & 1031 EXCHANGE Escrow Genesis Bank Escrow Back 1031 Exchange Genesis Bank Exchange Back Back BANKING SOLUTIONS Explore Our Solutions Private Banking Private Checking Money Market Certificates of Deposit Cashier's Checks / Money Orders Wires Credit Cards Specialty Banking Treasury Management Back Online Banking for Business GenTeck℠ Connect Account Management Real Time Wires Payables Management Receivables Management Information Reporting and Reconciliation GenTeck℠ Connect App FX / International Wires Back Online Account Services Personal Online Banking Bill Pay eStatements Remote Deposit Transfers Quicken Mobile Banking GenTeck℠ Connect App for Business MyGenTeck℠ App for Personal Zelle® Back Back NEWS & PRESS RELEASES ABOUT US About Us Who We Are Community Impact Genesis Bank Blog Leadership Genesis Bank Institute for Entrepreneurship Genesis for Good Career Opportunities Employee Benefits Open Positions Back Connect with Us Contact Us Service Center Report a Lost or Stolen Card Locations & Hours Find an ATM Email Us Back Back NEW SECURITY FEATURE Locations & Hours Contact Us Attention: You are leaving our website. You are accessing a link that leaves our website. We are not responsible for the content of the website you are heading to. Please click "Accept" to proceed or "Cancel" to go back. You are accessing a link that leaves our website. We are not responsible for the content of the website you are heading to. Please click "Accept" to proceed or "Cancel" to go back. You are accessing a link t”

“Construction”

“What types of projects qualify for bridge financing? Genesis supports a wide range of bridge loan scenarios, including SFR, Build-to-Rent (BTR) communities, multifamily assets, mixed-use properties, condo projects, and manufactured housing communities. Bridge financing is commonly used for acquisition, lease-up, stabilization, value-add, or transitional business plans prior to permanent takeout financing. Do you offer bridge loans for newly constructed properties? Yes. We provide lease-up bridge and stabilization bridge loans for newly built or recently renovated SFR, BTR, multifamily, mixed-use, and MHC properties that need time to reach target occupancy, operating stability, or NOI levels. Do you finance phased deliveries or rolling completions? Yes. Our forward-flow bridge structures allow completed units or buildings to transition into a bridge loan in tranches as COFs are received, while remaining phases continue construction. This is common for BTR communities, subdivisions, and multi-building multifamily developments. Do you finance owner-occupied properties? No. Genesis focuses exclusively on investment-grade residential, rental, and mixed-use assets operated by experienced real estate investors and developers. How do you evaluate a property for bridge financing? We evaluate bridge loans by reviewing sponsor experience, investment strategy, property conditions, market conditions, lease-up trajectory, transitional business plans, renovation scopes (if applicable), and the exit strategy. Each bridge loan—whether for SFR, BTR, or multifamily—is underwritten based on its specific transitional needs. What loan sizes do you typically work with? We support a broad spectrum of bridge loan sizes, from individual SFR rentals to large-scale BTR communities and multifamily assets. If you’re unsure whether your project qualifies, our team can provide a quick evaluation. How fast can Genesis close a bridge loan? Closing timelines vary based on deal complexity, documentation readiness, and sponsor experience, but Genesis is structured to support time-sensitive transactions. Many sponsors use our bridge program for acquisitions, lease-up transitions, and other fast-moving opportunities. Do you lend nationwide? Yes. Genesis provides bridge financing in primary, secondary, and select tertiary markets nationwide. Market conditions and local factors may influence structure or underwriting.”

“Still have questions about Bridge Loans? Ready to discuss your next project? We’re here to help. Connect With Us Today Be the First to Know Receive all the latest information on articles, news, and more. COMPANY About Leadership Brokers Careers LOAN PROGRAMS Construction Fix & Flip Bridge Rental Hold One-Time Close Revolving Credit Line SOCIAL Linkedin Instagram Facebook X © 2026 Genesis Capital Privacy Licensing Legal Cookie & Ad Policy info@genesiscapital.com”

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“Built for time-sensitive acquisitions and transitional opportunities”

“Short-term capital for acquiring and entitling SFR assets, or recapitalizing completed ground-up construction ahead of sale. Start Your Application”

“Flexible bridge financing that adapts to your timing and strategy. Fast closings for time-sensitive opportunities Transitional financing for acquisitions, lease-up, or repositioning Diverse asset coverage across residential and mixed-use investment assets Phased options for rolling deliveries and forward-flow strategies Custom structures built around unique or complex business plans Apply today”

“Short-term financing that supports acquisitions, lease-up, repositioning, and other transitional needs across your portfolio. Get a Quote”

“Discover the perfect vehicle for you with our competitive auto loans. Whether you're buying new or used, our financing options and personalized service make it easy to drive away in your dream car. Start your journey today! Find Your Next Vehicle Vehicle Buying | Scams & Fraud | Skip Loan Payment”