Equity Access Agreements Homeowner Introduction

Your 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 Payments 10 to 25 year options You decide when the Agreement ends

An Equity Access Agreement continues until you sell your home. You’re in control. You decide when to sell your home and the sales price.

You receive the sales proceeds. The sales process is controlled by you. The only NestWorth requirement 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 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 Agreement. It can increase when the values of homes in your area increase.

When the home is sold the “NestWorth Share” is sent to NestWorth. NestWorth Share Unpaid Consideration NestWorth sales proceeds are equal to the NestWorth Share minus any unpaid consideration Sales Proceeds

The Equity Access Cost All payments that you receive – NestWorth proceeds from your home sale = Equity Access Cost The cost of Equity Access increases when home prices in your area increase and decreases when they decrease. You pay no 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

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

Eligibility 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

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