Social Capital Finance, LLC San Jose, CA 95119 (408) 905-6187 villarpd@gmail.com http://socialcapfinance.weebly.

com/
Funding: Seeking 1st Round: $100K Use of Proceeds: - Initial capital to finance the development of the trading platform using web-based investment ($50k) - Legal and consulting fees ($100k) - Underwriting staff ($50k) Revenue Forecast: - 2014: $500 thousand - 2015: $1.1 million - 2016: $1.2 million - 2017: $1.3 million Positive Cash Flow/ Break Even : - 2015: Return of Principal Competitive Advantage: - First to Market Platform - Established industry relationships with investors and housing developers - Estimated Market Leadership (12 to 18 months) Key Executives: - Peter Villareal, Co-Founder - Private, Co-Founder - Private 2, Co-Founder Advisory Board Members: - Private 3, Technical Advisor - Private 4, Technical Advisor

Opportunity The biggest challenge for affordable housing today is finding and sourcing appropriately priced real estate capital to fund the acquisition and rehabilitation of multifamily housing in the San Francisco Bay Area. Affordable housing is a low risk investment that typically has the full faith and support of local, state, and federal agencies. Affordable housing offers a relatively low risk, high quality adjusted return for investors over a period between 10 to 15 years, where federal or state tax credits and/or publicly issued bond financing are involved. The target investors are banks and other financial institutions that are required to invest in low and moderate-income communities under the 1977 Community Reinvestment Act (CRA). Given the relatively high competition and limited financial resources, the affordable housing industry is seeking new private financing sources that serve a triple bottom line investment for the betterment of People, Environment, and Real Estate. Product and Specifications Fast, convenient, and flexible investment in affordable housing through a syndicated investment fund of secured debt and preferred equity. Given the limitation of public funding sources with the elimination of redevelopment agencies in California, Social Capital Finance provides a real estate fund platform to finance multifamily housing projects using a simple and fast online tool to connect equity and secured debt investors with affordable housing developers who need financing to sustain existing multifamily housing and create new multifamily housing units in the San Francisco Bay Area. Market Size According to Marcus & Millichap, a commercial real estate broker, the multifamily market in the San Francisco Bay Area is at a feverish level for investors seeking multifamily projects with stable investment returns which have been driven down by higher property valuations in market rate and affordable multifamily housing. The market size in silicon valley is $1.4B to finance. Competitive Landscape Social Capital Finances competitive advantage is the ability to quickly connect motivated investors under the CRA requirements and motivated housing developers with fully entitled development projects or ready-to-go acquisition rehabs. Other competitors including Community Development Financial Institutions (CDFIs) may be subject to federal oversight by federal financial institution regulators given the restrictions from Federal Home Loan Bank rules or public funding sources. Given the threat of budget cuts in The Congress and potential impact to subsidized rents in affordable housing, competitors need to explore alternative financing structures to help build and sustain affordable housing in the San Francisco Bay Area. Social Capital Finance offers two primary means for investors to finance affordable housing: (1) trust preferred equity, (2) secured debt, and (3) New Market Tax Credits. Currently, there are no competitors in the market that offer short-term valuation models for syndicated equity or debt in a secondary market for multifamily real estate equity or debt primarily due to the limitations of high transaction costs for public and private real estate investment funds. Social Capital Finance intends to be the first to market with this platform and offer low-cost transaction model to curtail future competition in the long run. Sales and Channel Strategy Success of the platform product relies on the marketing and distribution to the target U.S. accredited investors subject to CRA requirements; current channel partners under consideration is the Housing Trust Silicon Valley (former Opportunity Fund.) Pricing includes earning low cost broker fees on transactional exchanges of debt and preferred equity. Placement and promotion fees are driven through initial sales force, dealers, and syndicators in The Opportunity Finance Network and Affordable Housing Investors Council. Management Team The Co-Founders are experts in affordable housing finance, financial analysis, and secure, real-time object oriented routing technology. Peter Villareal graduated from the University of California, Berkeley with a degree in American Studies focused on urban development. He has worked in the commercial real estate industry for more than 12 years with a Fortune 500 financial institution and leading northern California housing developer. Peter recently completed his MBA from Santa Clara University in December 2012. (Private) is an experienced consultant and financial analyst in the real estate development and construction industry. He graduated from Boston College with a Bachelor of Arts in Political Science. In 2010, (Private) completed his MBA from Santa Clara University and was a former President of Net Impact, an organization dedicated to the service of others. (Private 2) currently manages a team of QA engineers and has over 20 years of experience in software release management for relational databases, object oriented routing, and consumer electronics. (Private 2) graduated from the University of California, Berkeley with a degree in Computer Science. (Private 3) is currently an investment banker for a local investment bank with over 10 years of experience in venture funding, small business lending, and entrepreneurship. (Private 3) is currently a technical advisor to the executive team on financing strategies and go-tomarket strategies on banking services and other long term investments. (Private 4) is currently a product marketing manager in process control software for a global hardware manufacturer. He graduated from Coimbatore Institute of Technology with a B.E. in Electrical and Electronics and received his M.S. in electrical engineering from State University of New York College at Buffalo. In 2011, (Private 4) completed his MBA from Santa Clara University with a focus on Strategic Marketing, Finance, and Entrepreneurship. Financial Highlights Revenue growth is primarily driven from direct relationship with a network effect of investors and affordable housing developers trading on the shortterm exchanges of preferred equity and secured debt interests. No long-term R&D expenses are expected for software development of the Social Capital Finance platform. Staffing will be limited to the co-founders in the first 12 to 18 months until the firm has achieved sufficient cash flow for administrative support. Break-even cash flows are expected in the first 18 to 24 month depending on