Guide to Securitized Real Estate Investments

A Note on Real Estate Programs

Risks and Expenses

Yet securitized real estate investing may also include, but is not limited to:

Opportunity for both current income and long-term appreciation Multiple tax benefits for real estate ownership Lower price volatility Reduced correlation to other Wall Street investments Whether you hold title directly, via a family partnership, or in a syndicated investment program, there are multiple common attributes of non-traded real estate ownership: *

1. 2. 3.

Operational risks Leverage risks Tax-law-change risks

4. Transaction risks 5. Tenant risks 6. Regulatory risks 7. Illiquidity 8. Fees and expenses – see below 9. Macroeconomic risks

The potential benefits and drawbacks of real estate investing will vary across sector and geography, but also by program structure and sponsor. If real estate has a place in your portfolio, then your circumstances, preferences, and tax situation will inform your decision on the type of program in which to invest. The specific opportunities, risks and expenses of each investment program are explained in the prospectus or offering memorandum.

Up-front Costs

Management Phase Costs

Back-end Costs

Organizational costs Syndication expenses Sales commissions Acquisition expenses

Asset management fee Revenue participation Master lease supplemental rent

"Waterfall" profit participation Transaction expenses

Conversion fee Disposition fee

Financing costs Acquisition fees

The foregoing is not a complete list of all the risks related to this investment strategy. Investors should review the "Risk Factors," section in the private placement memorandum, prospectus or offering memorandum. * Potential cash flows/returns/appreciation are not guaranteed and could be lower than anticipated. **

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