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“Name (Required) First Last Phone (Required) Email (Required) What type of commercial/business loan are you interested in? (Required) Are you a current customer of 1st Summit? (Required) Yes No Which is your preferred Community Office? (Required) Altoona Walmart Cresson Downtown Johnstown Eastgate Greensburg Ebensburg Eldorado Altoona Indiana Johnstown Walmart Latrobe Murrysville Parkhill Portage Richland Salix Sidman Somerset Westmont Additional information on how we can help you Submit”

“Business Loans & Financing Commercial Real Estate”

“Secure the perfect place to grow your operations with a commercial real estate loan from 1st Summit Bank. Get in touch”

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“January 8, 2024 | Read More 3650capital.com is the only official website of 3650 REIT Loan Origination LLC, which is a loan origination service provider. 3650 REIT Loan Origination LLC does not operate any other website. This website in no way promotes, or is otherwise associated with, the services of any affiliate of 3650 REIT Loan Origination LLC. Home About Us Platform Products & Services Featured Transactions 3650 IN THE News Contact PRIVACY POLICY TERMS OF USE Join Our Mailing List Δ ×”

“We are there with a diverse range of financing products and services. LOAN SERVICING BRIDGE & EVENT LENDING STABLE CASH FLOW LENDING FEATURED TRANSACTIONS”

“Our loan servicing team is backed by decades of experience in commercial real estate, including finance, distressed assets and development. It lends us the business acumen to creatively and individually structure loans to meet the business objectives of borrowers – whether they require short- or long-term finance solutions. Driven by our customer-centric platform, we are committed to servicing borrowers in the way they deserve. We aim to deliver market leading levels of responsiveness and transparency through every stage of the loan process. OVERVIEW”

“Loan Term 5 &10 years Loan Size Minimum $10.0 million Interest Rate Fixed Rate (spread pricing over appropriate Swap Yield or Treasury Yield) Amortization 30- Year amortization; interest only available Minimum DSCR 1.25x 3650 Origination Fee None; rate buydown fees permitted on a case-by-case basis Reserves Typical reserves for capital markets loans (Tax, Insurance, CapEx, TI/LC); Prefunded earnout available Prepayment Lockout followed by defeasance or yield maintenance; open last 3-months of term Guarantees Non-recourse with standard “bad-boy” and environmental carve-outs Lockbox & Cash Management Springing or In-place (case-by-case) Mezzanine Financing Available on a case-by-case basis Early Rate Lock Available on a case-by-case basis subject to a margin deposit and rate lock agreement Locations Primary, secondary, and tertiary MSAs within the United States Property Types Eligible property types include industrial, retail, self-storage, hospitality, office Third Parties Appraisal, Phase 1, Property Condition Report, Zoning – Performed by 3650 approved national vendors Searches Standard searches on (1) all guarantors and (2) anyone with 20% or more of ownership Insurance Review Third Party review of property insurance Operating Statements Certified rent roll, T12 and Budget Tenant Review Review of rent roll and major tenants Agreed Upon Procedures AUP to verify collections; limited expense testing Gross Potential Rent Annualized in place rent roll with vacant units grossed up at market rent Less: Vacancy Greater of 5% or in place (inclusive of recoveries) Other Income/Reimbursements T12 Expenses (Excluding Taxes) T12 Property Taxes If taxes are market rate – budgeted taxes. If taxes are abated – average of proforma taxes over loan term. Standard Reserves TI/LC: $1.00/SF/Year, CapEx: $0.20/SF/year TARGET IN VEST M ENT SUMMARY UNDERWRITING CRITERIA REQUIRED DILLIGENCE FOR CLOSING”

“Loan Term 5 &10 years Loan Size Minimum $5.0 million Interest Rate Fixed Rate (spread pricing over appropriate Swap Yield or Treasury Yield) Amortization 30- Year amortization; interest only available Minimum DSCR 1.20x 3650 Origination Fee None; rate buydown fees permitted on a case-by-case basis Reserves Typical reserves for capital markets loans (Tax, Insurance, CapEx); Prefunded earnout available Prepayment Lockout followed by defeasance or yield maintenance; open last 3-months of term Guarantees Non-recourse with standard “bad-boy” and environmental carve-outs Lockbox & Cash Management Soft Springing or Soft In-place (case-by-case); Borrower deposits rents Mezzanine Financing Available on a case-by-case basis Early Rate Lock Available on a case-by-case basis subject to a margin deposit and rate lock agreement Locations Primary, secondary, and tertiary MSAs within the United States Property Types Multifamily, MHC, 55+, Student Housing Minimum Units Property must have 5 or more units per building Third Parties Appraisal, Phase 1, Property Condition Report, Zoning – Performed by 3650 approved national vendors Searches Standard searches on (1) all guarantors and (2) anyone with 20% or more of ownership Insurance Review Third Party review of property insurance Operating Statements Certified rent roll, T12 and Budget Agreed Upon Procedures AUP to verify collections; limited expense testing Gross Potential Rent Annualized in place rent roll with vacant units grossed up at market rent Less: Vacancy Greater of 5% or in place Other Income/RUBS T12 Expenses (Excluding Taxes) T12 Property Taxes If taxes are market rate – budgeted taxes. If taxes are abated – average of proforma taxes over loan term. Standard CapEx Reserves $250/unit/year TARGET IN VEST M ENT SUMMARY UNDERWRITING CRITERIA REQUIRED DILLIGENCE FOR CLOSING”

“--> Products & Services – Debt Zoe Parower 2025-07-25T21:10:27+00:00”

“Products & Services -BRIDGE & EVENT LENDING”

“WHY 3650? • Balance sheet lender – no leverage allows us to make all credit and asset management decisions internally and eliminates all counterparty credit risk • Focus on relationship lending - more than 50% of our borrowers are repeat borrowers • All asset management and loan servicing performed in-house • Extensive track record across senior and mezzanine debt and preferred equity • Servicing over $16.0 billion in loans TARGET INVESTMENT SUMMARY SENIOR INVESTMENTS SUBORDINATE INVESTMENTS STRUCTURE Senior Secured Loans Mezzanine Debt & Preferred Equity LOAN TO COST Up to 85% (debt yield driven) Up to 85% (debt yield driven) LOAN TERM 2 – 5 years LOAN SIZE $25.0 million + $10.0 million + INTEREST RATE S+550 + 11% + GUARANTEES Non-recourse with standard carve-outs and completion guarantee LOCATIONS United States PROPERTY TYPES All Asset Classes *Fixed and floating rate options available 3650 CAPITAL - REAL ESTATE CREDIT SOLUTIONS Contact Michael Fleischer Managing Partner, Head of Real Estate Credit Solutions Originations (310) 862-9995 mfleischer@3650capital.com Will Pierce Director, Eastern Region (305) 965-1032 wpierce@3650capital.com Richard Putnam Vice President, Central Region (615) 497-7272 rputnam@3650capital.com Eric Kraft Managing Director (310) 413-5631 ekraft@3650capital.com 3650 Capital is a balance-sheet lender focused on creating long-term relationships by originating, servicing and asset managing long- and short-term fixed-rate commercial real estate loans through maturity. For more information, visit: 3650Capital.com.”

“Our long-term fixed-rate lending program mirrors the service package of traditional portfolio lenders, while delivering terms on par with capital markets lenders. It is an alternative to the service structure of CMBS conduit lenders. Learn More”

“Special Situations Overview • Committed, discretionary capital to deploy into mezzanine debt, preferred equity, and common equity. • 3650 has a strong track record of debt investment performance with limited distress in the existing portfolio. • Experienced team of investment professionals with broad market coverage across the U.S. and a focus on cultivating long term, recurring relationships. • In-house loan servicing capabilities create a fully integrated debt, equity, and distressed investment platform. SPECIAL SITUATIONS DEBT AND EQUITY For more information, visit: 3650Capital.com. Raelene Fulford Sr. Associ ate, Eastern Region (305) 450-2536 rfulford@3650capital.com CONTACT Peter LaPointe C h i e f O p e r a ti n g O f f i c er , Head of Special Situations (305) 901-1010 plapointe@3650capital.com Jeremiah Sharf Vi ce President, Western Region (310) 922-8633 jsharf@3650capital.com Target Investment Summary Strategy: Target technical and complex work-out situations involving debt, bankruptcy, and special servicing. Structures: Equity, Preferred Equity, Mezzanine Loans, Debt, and Note Purchases Asset Classes: All asset classes, including commercial real estate operating companies Focus Markets: United States Target Size: $10 million+ Investment Term: 3 – 5 Years”

“• Our highly differentiated lending process, national scale and vertically integrated platform enable us to deliver tailored financing solutions • Unparalleled understanding of debt in the real estate life cycle - with decades of experience in construction lending, permanent financing, and everything in between, the professionals at 3650 have an unmatched insight on how to provide financing solutions that meet the needs of a property at any stage of the real estate life cycle • All asset management and loan servicing is performed in house • Extensive track record across multiple debt, equity and servicing disciplines; we understand the borrower’s perspective and how to properly identify, assess and mitigate risk so each transaction is structured to succeed • Manage in excess of $5.0 billion of investments LOAN STRUCTURE Senior Secured Loans LOAN TO VALUE Up to 75.0% LOAN TERM 2-3 Year Initial Terms with Extensions LOAN SIZE Minimum $30 million INTEREST RATE SOFR+ 300-500 GUARANTEES Non-Recourse with Standard “Bad-Boy” Carve-Outs LOCATIONS United States PROPERTY TYPES All Asset Classes TRANSITIONAL LENDING TARGET INVESTMENT SUMMARY 3650 CAPABILITIES AND COMPETITIVE ADVANTAGES CONTACT Nishant Nadella Kate Mulcahy Managing Director, Head of SASB and Transitional Lending Director (212) 970-3650 (917) 575-0573 nnadella@3650reit.com kmulcahy@3650reit.com For more information, visit: 3650REIT.com . DIRECT ORIGINATION Loan origination through relationships with intermediaries and borrowers nationwide CONTINUOUS HIGH-TOUCH PROCESS Consistent communication and monitoring of transitional loans enable customized solutions SERVICE BORROWER RELATIONSHIPS Our intimate knowledge of each specialized loan ensures mutually beneficial relationship, with efficient and responsive servicing at each stage of the CUSTOMIZED STRUCTURING Bespoke investment structuring and risk management process to cater to borrower’s needs HANDS-ON DILIGENCE & UNDERWRITING Intense hands-on diligence and underwriting focused on understanding the borrower’s business plan and providing accretive capital to borrowers Highly Differentiated Process”

“We provide bespoke, floating-rate financing solutions for borrowers taking out construction financing, pursuing repositioning, or otherwise executing value-add business plans with a clear path to stabilization. LEARN MORE”

“One of 3650 Capital's key differentiators is our operating platform. It was built on a vertically integrated structure, empowering our team to conduct services and material credit decisions internally. We do not simply source opportunities. We work with sponsors to devise the right plan for achieving beneficial results for all participants. Keeping the full process in-house provides a value proposition. It helps us streamline borrower communication and the tactical execution of our loan and equity investment strategy. In a long-term sense, it facilitates better borrower outcomes and strong relationships with high-quality sponsors. OVERVIEW”

“40|86 had assets under management of approximately $30.5 billion as of December 31, 2025, including: Investment grade corporate bonds Private placements EM corporates Residential mortgage-related securities Asset backed securities Commercial mortgage loans Municipal bonds High-yield corporate bonds Leveraged loans Government securities Derivatives CLOs Private equity Private credit”

“Competitive rates for the purchase, refinance, or construction of commercial properties”

“Expand your business without the growing pains thanks to a commercial real estate loan from 5Star Bank. We’re local just like you, and will work with you to get the rate and customized term you need to move into your new office. Plus, you can expect personalized service throughout the life of the loan and beyond. Summary Competitive rates for the purchase, refinance, or construction of commercial properties Available for owner-occupied or investment properties Repayment terms customized to fit your business's unique needs Lending professionals with working knowledge of the local real estate market Local decision-making and processing in the Pikes Peak region Helpful, customized service throughout the entire process”

“7 17 Day has been rescheduled Due to ongoing air quality concerns, Financial Wellness Night at the Ballpark has been rescheduled for Friday, July 24. Read more Visit our newest branches! Akron, we’re proud to be part of your community. Take a look at our special offers with lower rates and more opportunities to help you save more and build financial wellness. Wallhaven Downtown Akron The 2025 Community Impact Report is available. Read all about how we've been working to improve your financial well-being and strengthen our credit union's standing. Read the report now Drive your rate down! Refinance your auto loan to 7 17 Credit Union - 2% off your current rate!* - Put hundreds back in your monthly budget!* - Rates as low as 4.99%!* *Learn more The JAC Live Visa® Credit Card A card with purpose. When you swipe, we donate. - 7.17% APR for life on purchases and balance transfers made in the first 90 days* - No annual fee, cash advance or balance transfer fees *Learn more Your Keys. No Fees. A Homebuyers Incentive Program designed to make owning a home more affordable than ever. - NO-FEE first mortgage* - Exclusive mortgage savings *Learn more A Smart, Secure Home for Your Extra Cash - Bonus .25% APY on JUMBO CERTIFICATES - Friendly terms available on regular, IRA, and Jumbo certificates - Grow your money–on your terms Learn more Greenlight: a money app and debit card for kids ... and more! Parents with a 7 17 checking account can get Greenlight for their children FREE and help them learn to earn, save, and spend wisely - together. Learn more A Velocity Savings account makes your savings grow faster! With a high-yield Velocity Savings account, you are rewarded for your growing balance. Learn more Serious returns. Zero nonsense. Our High-Yield Money Market Account rewards members who maintain larger balances – without teaser rates, hidden requirements, or monthly fees. Learn more”

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“Join Us We are proud to serve and celebrate our communities. In The News 7 17 Credit Union is doing big things. Follow along. Student Loans Simplify your search with our student loan marketplace. Credit Score by SavvyMoney Take control over your credit.”

“Financial Wellness Night at the Ballpark - RESCHEDULED Card Upgrade Center Scholarship Winners View All News Join Us Get More Out of Your Membership Respectfully. Yours. Become a Member Contact Us Locations, PTMs & ATMs 7 17 Credit Union 3181 Larchmont Ave NE Warren, OH 44483 Phone: 800-775-7741 Routing Number: 241282849 Get Started Open an Account Schedule an Appointment View Current Rates Careers Apply for a Loan Mortgages Other Loans Credit Cards 7 17 Credit Union is a local, community-minded credit union in Ohio offering valuable personal and business banking solutions including checking accounts, savings accounts, auto loans, mortgages, home equity loans, HELOCs, credit and debit cards and much more. Bank online, with our mobile app, or visit one of our conveniently located branches in Akron (Wallhaven) , Akron (Downtown) , Austintown , Boardman , Burton , Canfield , Canton , Cortland , Howland , Hubbard , Kent , Middlefield , Ravenna , Vienna , Warren (Downtown) and Warren (Larchmont) . (opens in a new tab) (opens in a new tab) 7 17 Credit Union is federally insured by the National Credit Union Administration. ©2026 7 17 Credit Union. All rights reserved. Sitemap Privacy Policy Website Accessibility Non-Discrimination Policy Site Designed by ZAG Interactive (opens in a new tab) Submit search Maintenance Notice Close IMPORTANT NOTICE: NetWorth24 Online/Mobile Banking and our Mobile Banking App will be unavailable on Sunday, July 19 from 1:30 a.m. – 5:30 a.m. ET due to scheduled maintenance. If you need to transfer money between suffixes or check balances during this maintenance window, please use Call24 by dialing 1-800-775-7741 then #2. We apologize for any inconvenience and thank you for your understanding. Not a Member yet? Applying is fast and easy! To open a new account online, you must be at least 18 years of age; be a U.S. citizen or Permanent Resident Alien; have a credit or debit card, or U.S. savings or checking account and routing number to fund your account; and meet our eligibility requirements . Open Account Membership is a requirement prior to finalizing your loan. If approved, opening your account now may prevent delays in processing your loan. Continue to Application Already a Member? Continue to Application Or Log into Online Banking and then click 'Apply for a Loan' for a pre-filled application: Account Login Notice Enroll Forgot Username/Password Not a Member yet? Applying is fast and easy! To open a new account online, you must be at least 18 years of age; be a U.S. citizen or Permanent Resident Alien; have a credit or debit card, or U.S. savings or checking account and routing number to fund your account; and meet our eligibility requirements . Open Account Membership is a requirement prior to finalizing your loan. If approved, opening your account now may prevent delays in processing your loan. Continue to Application Already a Member? Continue to Application Or Log into Online Banking and then click 'Apply for a ”