CHEIFS is a home equity investment agreement (or “HEI”), not a loan. This is not an offer or commitment. CHEIFS is subject to underwriting and approval, including property appraisal(s) and verification of credit history, property condition, title, and property insurance, among other things. The subject property may not be in foreclosure or bankruptcy. Performance of the CHEIFS agreement is secured by a mortgage or trust deed, depending on the state, in no lower than second lien priority. Minimum investment amount is $70,000. Owner-occupied, 1-2 unit residential properties only. Homeowner to pay an origination fee of 1.5% of the investment payment, plus appraisal, title, recording fees, and other closing costs. Homeowner must occupy and maintain the property and remain current on property insurance, taxes and assessments. Terms may vary and are subject to change. Additional conditions apply. Not available in all states. Cornerstone acts for itself, as the investor, and not as an agent or broker for the homeowner or any third party. There is no agency relationship between Cornerstone and a homeowner related to CHEIFS agreement.

Cornerstone and its employees do not provide legal, financial or tax advice. Homeowners should always consult with their own financial, tax, or legal, professional for such advice.

CHEIFS is offered exclusively by Cornerstone Financing LLC, and its subsidiary Domus Funding Corp. (in California only), (together, “Cornerstone”). In Ohio, Cornerstone Financing LLC does business as “Domus Funding LLC.” Principal Office: 400 Broadacres Drive, Suite 260 C1, Bloomfield, NJ 07003. Toll-free (855) 462-4343. NMLS #2557707, www.nmlsconsumeraccess.org. Domus Funding Corp, CA real estate broker license #02248492. Not licensed in all states. Cornerstone’s HEI product is not offered under state mortgage lending licenses. For additional state licensing information, please see Licensing Info. Complaints may be emailed to: [email protected].

Cornerstone does not offer HEI products or solicit business related to properties located in New York state.