Equity Access AgreementsEquity Access Agreements

Homeowner Introduction

Your retirement is safer than you thinkYour retirement is safer than you think

An Equity Access Agreement is a contract between you and NestWorth

It is secured by a recorded deed of trust on your home.

Equity Access Agreement

You receive substantial monthly payments from NestWorth for a term that is selected by you.

You Choose the Payment Term

Monthly Payments10 to 25 year options

YouYou decide when the Agreement ends decide when the Agreement ends

An Equity Access Agreement continues until you sell your home.

You’re in control. You decide You’re in control. You decide whenwhen to sell your home to sell your home andand the the sales price. sales price.

You receive the sales proceeds.

The sales process is controlled by you. The only NestWorth The sales process is controlled by you. The only NestWorth requirement is that it be an “arms length” transactionrequirement is that it be an “arms length” transaction

Sales Proceeds

When you sell your home you also receive any “Unpaid consideration” from NestWorth

Unpaid Consideration

NestWorth pays you any unpaid payments when you sell your homeNestWorth pays you any unpaid payments when you sell your home

Sales Proceeds

The NestWorth Share is the amount NestWorth receives in exchange for the payments sent to you.

Payments

NestWorth Share

The beginning NestWorth Share is specified in the The beginning NestWorth Share is specified in the Agreement. It can increase when the values of homes in your Agreement. It can increase when the values of homes in your

area increase.area increase.

NestWorth Share

Unpaid Consideration

NestWorth sales proceeds are equal to the NestWorth Share minus any NestWorth sales proceeds are equal to the NestWorth Share minus any unpaid considerationunpaid consideration

When the home is sold the “NestWorth Share” is sent to NestWorth.

Sales Proceeds

The Equity Access Cost

The cost of Equity Access increases when home prices in your The cost of Equity Access increases when home prices in your area increase and decreases when they decrease. You pay no area increase and decreases when they decrease. You pay no

interest. This is not a loan.interest. This is not a loan.

All payments that you receive

– NestWorth proceeds from your home sale

= Equity Access Cost

Equity Access Benefits

Dependable Interest And Debt-Free Monthly Payments

Flexible • The Interest Free Monthly Payments Can Be Tailored To Fit Your

Needs• You Choose When You Want To Move Out Or Sell Your Home,

Ending The Agreement

Zero Up Front Origination Cost• Allowing You To Keep More Money In Your Pocket

No Restrictions On Home Values• Allowing Higher Monthly Payments To You

You Can Maintain Your Mortgage• Allows You To Access Existing Equity Lines• Maintain The Tax Benefits From Your Existing Mortgages

•The Youngest Homeowner On Title Must Be At Least 60 Years Old• Age + Monthly Term Can Not Exceed 100

•The Home Must Be Occupied As A Primary Residence

•The Home Must Be 1-4 Units, Condos Are Eligible

•Title Must Be Held By A Natural Person Or Revocable Living Trust

• No Maximum On Home Values• Home Must Be Typical For The Area

•The Home Must Be Located In An Eligible NestWorth Area• California, Oregon, And Washington

Eligibility