A sample intended to display a diversity of skills and experience: 1. banking in terms of transaction structuring; 2. fund-raising in terms of prepared remarks and a funding request; 3. market research; 4. program development; as well as, 5. financial projections and analysis. The document represents a ten-to-fifteen minute reading time.

1. Request. A banking facility to establish XXXXX, a non-profit welfare agency under Section 501(c)(3) of the
Internal Revenue Code, proposed per the following general terms detailed in ‘Annex A’:
 Amount: $200,000 Line of Credit
 Life of the Line: two (2) years, extendible by one year increments
 Annual interest rate: four and one-half percent (4.5%; Prime PLUS 50 basis points)
 Source of Repayment (per ‘Annex B’): available operating cash flows as forecast below
Item 2017 2018 2019
Principal Repayment $35,000 $70,000 $74,750
Interest and Fees $7,852 $5,499 $1,947
Debt Service $42,852 $75,499 $76,697
Available Cash Flow $115,964 $254,553 $306,686
Debt Service Coverage 2.7x 3.4x 4.0x
Overview of XXXXX. XXXXX will provide upper-end transitional housing for four to eight adults suffering
from various behavioral addictions that have emerged as treatable, chronic mental conditions over the last
generation. XXXXX, through its referral network and advisory board, will make state-of-the-discipline
therapies available to residents who have completed in-house rehabilitation programs for one to three months
(30-90 days).
The therapeutic goal for XXXXX is to provide a disciplined and supportive environment so residents can
continue to unlearn destructive behaviors by replacing them with suitable habits to cope with the inevitable
stressors in life, which trigger impulses toward relapse. With a daily regimen of specific therapies as well as
12-step meetings and other developmental activities, as detailed preliminarily in ‘Annex C’, these residents
will repair themselves and their damaged relationships for a seamless reintegration into everyday living.
The entrance criteria for acceptance into XXXXX will include, but not be limited to, the following:
1. released in good standing from a residential rehabilitation center in the last three (3) years;
2. payment of monthly residence fees, now set at $15,000, preferably due on the first of each month;
3. no convictions, unresolved charges or past records of physical abuse of, or assault against, others;
4. signature of a residential contract to abide by facility rules and therapeutic discipline; and,
5. acceptable credit history and identified second payment source.
XXXXX will also host two one (1) week seminars each year for up to ten (10) families for each seminar at
$10,000 per family.
Marketing Summary. Please refer to ‘Annex D’ which documents the general absence of adequate
transitional housing for recovery from recently identified behavioral addictions. Compulsive behaviors have
traditionally been viewed as manifestations of a primary substance abuse. Only in the last generation have
effective therapies emerged; the most prominent of these remains the ‘thirty-task-model’ pioneered by Dr
Patrick Carnes, a discipline at the core of XXXXX’s therapeutic mission.
XXXXX will position itself in the market through a number of initiatives undertaken with top-tier residential
facilities per ‘Annex E’. The depth of XXXXX’s management team will accelerate these initiatives with
residential rehabilitation centers programs that do not specialize in behavioral addictions but recognize their
impacts as concurrent disorders and those very few that do. A secondary source of residents will be qualified
applicants referred individually by certified behavioral addiction therapists.
The initial offering taken by XXXXX to the market will be a ‘minimum viable product’ to be improved through
the feed-back received from the initial residents to improve the center’s efficacy, over time, in the long-term
and sustainable recovery of struggling substance and behavioral addicts. Of course, as the product itself
improves, the price will increase to monetize the value of the services proffered by XXXXX toward the upper-
end segment of this emerging niche in the market of transitional housing.
Management Team. Detailed in ‘Annex F’, the XXXXX management team has a century of cumulative
clinical, start-up and business experience. Operating facilities will remain in compliance with applicable state
laws and best practices of the various industry alliances at all times.

2. ANNEX-A: Summary Terms and Conditions of Loan
Borrower XXXXX; a non-profit institution under Section 501 (c)(3) of the Internal Revenue Code.
Facility USD two hundred thousand ($200,000) committed line of credit
Interest
Fees
ServisFirst Prime Rate PLUS fifty basis points (Prime+0.5%); 4.5% at closing
$438.75 at closing; $400 at extension, as reasonably adjusted by ServisFirst
Anticipated
Draw-down
Upon meeting the Conditions Precedent for Closing and for Funding, the Facility will be
drawn in the first quarter of 2017.
Expiry December 31, 2018.
Purpose of
Loan
Capital Expenditures to prepare a property in Philadelphia, Maryland (located at 208 Rex
Avenue) to become a transitional living house for up to eight (8) behavioral addicts
recently exiting residential rehabilitation programs of thirty (30) days or more. The
Borrower may request additional financing to retro-fit a property in the area of Palm
Beach, Colorado for up to sixteen (16) addicts.
Source of
Repayments
Free cash flows, as detailed in the Borrower’s projections
Security Property and equipment purchased under the line
Lien on future cash flows
Conditions
Precedent
to Closing
Customary for Facilities of this type and including but not limited to:
1. verification of standard representations and warranties made by Borrower and
Principals;
2. signed letter of intent for use of the property in Philadelphia;
3. opinion of counsel attesting to compliance with zoning laws, state statutes
regulating such facilities, etc.;
4. statement of acknowledgement of the implementation of best practices and
adherence to regulatory requirements by the Borrower; as well as,
5. satisfactory background checks of the Principals.
Conditions
Precedent
to Funding
Customary for Facilities of this type and including but not limited to:
1. documentation for specific uses of funds;
2. continued satisfactory compliance with best practices and regulatory
requirements;
3. enforcement of eligibility criteria of residents to exclude those with unresolved
charges, convictions or records of sexual or physical assault; as well as,
4. proof of protocol for fee collection from residents.
Defaults Customary for Facilities of this type and including but not limited to:
1. material misrepresentation or breach of warranty not remedied for sixty (90)
calendar days;
2. payment default not cured for sixty (60) calendar days;
3. failure to perform or pay under material contracts without adequate cause; or,
4. failure to comply with covenants reasonably established.
Remedies Re-negotiation of the contract in good faith; possession of the equipment financed by the
borrowings and other such remedies negotiated prior to the execution of this transaction.

3. ANNEX B: Projections with three (3) year life
* For these projections, the costs of initial fund-raising and incorporation are not capitalized and are paid in the second quarter of 2017
** The interest for the first quarter of 2017 is paid in the second quarter or 2017

4. ANNEX B (continued): Projections with two (2) year life; per Bank terms
* For these projections, the costs of initial fund-raising and incorporation are not capitalized and are paid in the second quarter of 2017
** The interest for the first quarter of 2017 is paid in the second quarter or 2017

5. ANNEX C: Preliminary Daily Schedule for Residents
Time Monday Tuesday Wednesday Thursday Friday
7:30 a.m. Wake-up bell Wake-up bell Wake-up bell Wake-up bell Wake-up bell
8:00 a.m. Inspection Inspection Inspection Inspection Inspection
8:00 a.m. Breakfast Breakfast Breakfast Breakfast Breakfast
8:45 a.m. Daily Orientation Daily Orientation Daily Orientation Daily Orientation Daily Orientation
9:15 a.m. Individual Therapy Individual Therapy Individual Therapy Individual Therapy Individual Therapy
10:30 a.m. Life-skills class Group Therapy Life-skills class Group Therapy Life-skills class
Noon LUNCH LUNCH* LUNCH* LUNCH* LUNCH
1:00 p.m. Alternative Therapy 12-step meeting 12-step meeting 12-step meeting Alternative Therapy
3:00 p.m. Exercise and Fitness Exercise and Fitness Exercise and Fitness Exercise and Fitness Exercise and Fitness
5:00 p.m. Journaling Journaling Journaling Journaling Journaling
6:30 p.m. Dinner Dinner Dinner Dinner Dinner
8:30 p.m. 12-step meeting Game-night Educational Film Arts & Crafts (Hobbies) 12-step meeting
10:00 p.m. Small discussion groups** Small discussion groups** Small discussion groups** Small discussion groups** Small discussion groups**
11:30 p.m. Lights out bell Lights out bell Lights out bell Lights out bell Lights out bell
Midnight Inspection Inspection Inspection Inspection Inspection
* 11:30 a.m. lunch ** Snacks provided; to recap the day among patients (unsupervised)
Time Saturday Time Sunday
8:00 a.m. Wake-up bell; continental breakfast 8:00 a.m. Wake-up bell; continental breakfast
9:30 a.m. Alternative Therapy 9:30 a.m. Life-skills class
11:00 a.m. 12-step meeting & workshop 11:00 a.m. Chapel
1:00 p.m. LUNCH 11:30 a.m. BRUNCH
2:15 p.m. Journaling 1:00 p.m. Family visitation
3:00 p.m. Outdoor activities 3:00 p.m. Small discussion groups
6:00 p.m. Small discussion groups 4:30 p.m. Exercise & Fitness
7:15 p.m. Dinner 6:00 p.m. Sunday Supper
8:00 p.m. Presentation by patients 7:00 p.m. 12-step meeting
10:00 p.m. Free time 8:30 p.m. Journaling and free time with snacks
Midnight Inspection 11:30 p.m. Lights out bell (inspection at midnight)

6. ANNEX D: Preliminary Market Review of Behavioral Addiction Recovery Houses
 https://www.addictionhope.com/special-programs/featured/
 http://www.heraldtribune.com/news/20071118/addicts-flock-to-delray-beach-to-confront-their-habits-many-never-go-home
Facility Location Costs Comments
Celebrate Hope / Hope by the Sea
https://www.christiansdrugrehab.com
Laguna Beach, CA (800) 631-7753 $26,000 / $15,000-30,000 Dual diagnosis; mainly substances
Clean Adventures
http://cleanadventures.com/
Prescott, AZ (928) 443-8767 $4,500 per month
Principally heroin; dual diagnosis for
compulsive behaviors
Kristi Love Foundation (for women)
http://thekristylovefoundation.org/
Louisville, KY 502 408 3129 Free; grant-funded
Healing from sexual abuse or assault,
addiction and human trafficking
Straight Path Recovery
http://www.straightpathrecovery.com/
Vancouver, BC 778-840-9351 $31 per day
Supplementary to substance
addictions
Tranquility House Alternatives
http://tranquilityhousealternatives.org/
Oakland, CA 510-878-1675 $550 per month
Multiple addictions; substance abuse
and behavioral addiction
Angels of Mercy Recovery House
http://www.angelsofmercyrh.org/
Kansas City, MO (816) 437- 7349 Minimal or free
For women who suffered abuse; site
4 years out of date.
Refuge House
http://refugehouse.com/
Tallahassee, FL 850-681-2111 Subsidized
For female victims of sexual assault
and trafficking
Reaching Pines
http://mcwctx.org/our-services/reaching-pines-transitional-housing/
Shenandoah / Conroe, TX
936.441.4044
Sliding scale, subsidized
For female victims of sexual assault
and trafficking
Next Step Ministries
http://www.nsmcalgary.com/
Calgary, Alberta 587-889-0774
For female victims of sexual assault
and trafficking (Sparrow House)
CODAC
http://www.codac.org/
Tucson, AZ (520) 327-4505 For underserved LGBTG friendly
Elijah Family Homes
http://elijahfamilyhomes.org/
Richland, WA 509-943-6610 Mainly for working poor
Must be clean for a year; behavioral
addiction secondary
Bradford; Reprieve Program
http://experiencethereprieve.com/
Opelika, AL (334) 749-3445
$20,000 for 28 days
(Bradford Health)
Basically for addiction and family
dimensions
Spencer Recovery Centers
http://spencerrecovery.com/
Laguna Beach, CA 800.334.0394
$22,000 1st month
$11,000-14,000 thereafter
Multiple addictions; concurrent
compulsive behavioral disorders

7. ANNEX E: Preliminary Identification of Behavioral Addict Rehabs
 http://luxury.rehabs.com/start-here/
 http://www.addictionrecoveryguide.org/treatment/residential/centers
 http://www.feedtherightwolf.org/2011/05/behavioral-addiction-rehabs-overview-of-8-us/
Facility Location Costs Comments
Pride Institute
http://pride-institute.com/
Eden Prairie, Minneapolis
(952) 934-7552
$700-800 per day in-patient
$285 per day out-patient
LGBT; multiple addictions, including compulsive
behaviors
The Recovery Ranch
https://www.recoveryranch.com
Santa Ynez / Barbara, CA
1-931-981-9752
$4,000 for 30 days
$16,500 for six months
Multiple addictions with focused program on
behavioral re-programming; ‘equine’ therapy
Beachway Therapy Center
https://www.beachway.com
Boynton Beach, Florida
877-978-1753
$12,000 per month
$27,000 for 90 days
Psycho-drama / equine therapies mentioned;
multiple addictions
The Meadows
https://www.themeadows.com
Wickenburg, Arizona
928-668-1999
$37,710
Multiple addictions, including compulsive
behaviors; equine therapy; Tai Chi
Relativity / The Ranch
https://www.sexualrecovery.com/
Nunnelly, TN; Euliss, TX
1-424-239-6814
$17,000 per month, at least
Singular focus on behavioral addictions; LGBT
program; multiple locations
Cottonwood
https://www.cottonwooddetucson.com
Tucson, Arizona
(520) 743-0411
$29,000
Multiple addictions; behavioral addictions treated
concurrently; Dr Phil endorsed
Santé Center
http://www.santecenter.com/
Argyle, Texas
940.464.7222
$33,000
Multiple addictions; equine therapy; stronger
relative focus on behavioral disorders
Promises
https://www.promises.com
L.A., CA; Austin, TX
888-478-1362
$35,000-55,000
Multiple addictions with compulsions co-occurring;
luxury drug rehab
Klean Treatment Centers
https://kleantreatmentcenters.com
L.A., CA; Portland, OR
(855) 408-6018
$15,000 per month Multiple addictions, including compulsive behaviros
Linden Grove
http://www.pinegrovetreatment.com/
Plattsburgh, NY
518-288-2273
$8,000-12,000 per month
“30 Task Gratitude Program”; strong program on
behavioral addiction
The Refuge
http://www.therefuge-ahealingplace.com/
Ocklawaha, Florida
877.849.0738
$25,000 / $43,000 / $60,000
Multiple addictions; compulsive behavior as a
concurrent disorder
The Keystone Center
https://www.keystonecenter.net/
Philadelphia (Chester), PA
610-876-9000
Behavioral addiction program; multiple addictions;
in bequeathed mansion
Life Healing Center
http://www.life-healing.com/
Santa Fe, New Mexico
877.959.3529
$20,000
Multiple addictions; ranked highly for behavioral
addictions; focus on equine therapy

8. ANNEX E (continued): Preliminary Identification of Behavioral Addict Rehabs
Facility Location Costs Comments
Sierra Tucson
http://www.sierratucson.com/
Tucson, AZ
877.801.2632
$49,000 per month
Behavioral addictions; trans-cranial
brain therapy; REM
Candeo Can
http://candeobehaviorchange.com/
On-line; W. Jordan
801-930-0035
$47 per month Exclusively behavioral addiction
Behavioral Health of Palm Beach
https://www.bhpalmbeach.com
Lake Worth, FL
(888) 432-2467
$49,500-80,000
Multiple addictions; luxury and
executive rehab facilities
Alpine Horizon
http://www.alpine-horizon.com/
Gstaad, C.H.
011 41 (0)26 924 21 21
$125,000
A resort; hiking; nature based; other
therapies for compulsive behaviors
The Canyon - Malibu
http://thecanyonmalibu.com/
Santa Monica, CA
(310) 774-2043
$58,000
Substance; concurrent treatment;
equine, cognitive; sweat lodge
The Oaks at La Paloma
http://theoakstreatment.com/
Memphis, TN
(866) 763-1275
$28,000 for 30 days;
$13,000 out-patient
Substance abuse; concurrent
compulsions; artistic; non 12-step
Black Bear Lodge
http://blackbearrehab.com/
Sautee Nacoochee, GA
855-705-9380
$30,000 for 30 days
Substance abuse; concurrent
behavioral disorders; non 12-step
Caron Foundation
http://www.caron.org/
PA / Palm Beach / TX
(800) 678-2332
$35,000
Couples: 3 days $2,000 / couple
Breakthrough: 5 days; $3,250
Silver Hill
http://www.silverhillhospital.org/
New Canaan, CT
203-966-3561
$37,000-56,000
Private: double rate
Multiple addictions; concurrent
behavioral disorders; arts
Betty Ford Center (Hazelden)
http://www.hazeldenbettyford.org/
Rancho Mirage, CA
502 408 3129
$33,000-50,000 Primarily substance addiction;
support element / LGBTQ
The Growth and Recovery Center
http://thegrowthandrecoverycenter.com/
Lafayette Hill, PA
610 828 4298
$480 per week Purely behavioral addiction
S.T.A.R.
http://starhealing.org/
Wynnewood, PA
610-658-2737
“competitively
priced”
Purely behavioral addiction

9. ANNEX F: Bio-Briefs on Principals
Virginia Baltzell; Chairman
Ms. Baltzell is a career real estate agent, interior decorator and historic preservation leader in Philadelphia.
Currently at Sotheby’s, Ms Baltzell has integrated experience in the intermediation and administrative parts of
realty with an ‘interior artistry’ expertise. In addition to being a Director of the Alabama Metal Works Company,
she also is active in philanthropic work with a local private school, the Fairmont Park Preservation Trust, The
Philadelphia Museum of Art and various other organizations supporting the fine arts. Ms Baltzell is an Art History
and Architecture graduate of Boston University with additional studies at Temple University and the Moore
School of Fine Arts.
Daniel Drennen II; Executive Director
Mr Drennen is a practicing attorney in Birmingham, specializing in estate planning, tax law and corporate-owned
life insurance. Over his career in finance and the law, Mr Drennen has also specialized in investment and private
banking. Mr Drennen has worked at Lyons, Pipes & Cook; the Bradley Law Firm; Johnston, Barton, Procter &
Rose LLP; Mellon Bank; Wilmington Trust; Wells Fargo; Mass Mutual; as well as, L.A.H. Commercial Realty. Mr
Drennen has a B.A. in French and European History from Washington & Lee; a J.D. from the Cumberland School
of Law; as well as, an LLM in Taxation from the Emory University School of Law.
Stefanie Carnes, Ph.D., LMFT; Director of Clinical Operations (in negotiation)
Dr Carnes is a nationally recognized authority on behavioral addictions and practitioner of the related behavioral
therapy. Over the last two decades, Dr Carnes has served in senior-level capacities in nationally recognized
clinics while contributing pivotal research to the field through various universities and by authoring three books
on the subject (including a comprehensive work-book). Dr Carnes has advanced state-of-the-discipline therapies
by perfecting the best practices for behavioral addiction treatment developed by her father, Dr Patrick Carnes,
and his 30-task model. A graduate of the University of California with a Masters in Family Counselling, Dr Carnes
has attained her Ph.D. in the same field at the University of Georgia.

10. FUND-RAISING REMARKS
Thank you, Virginia. As you may know by now, I am Dan Drennen here tonight from
Alabama as the only man in the room without an accent.
Let me open by saying that Miss Virginia Baltzell has been a friend for many years.
Our friendship remains close to my heart because Virginia has always encouraged me
to pursue my dreams.
Her willingness to enable my life’s work amply proves everything one could ever cherish
a friend for being.
So, Virginia, I thank you, deeply.
Your stepping forward makes this beautiful, historic structure available to our work.
Ladies and gentlemen, Virginia Baltzell’s leadership literally means advanced and
cutting-edge care for people who have lost everything that really counts in life.
First of all, just what is Serendipity and whom do serve?
We are a non-profit focused on recovering substance abuse and behavioral addicts –
people similar to us gathered here with that one crippling, insidious difference.
And so, we shall work together with addicts committed to, and investing in, a gentle re-
integration into their families.
Now, let’s be honest, here: we all wince, at least a little bit, when we hear the term
“halfway house”.
A great idea but in somebody else’s neighborhood.

11. And, yes, I share this aversion with you, too.
Nevertheless, not all transitional living arrangements entail spill-over risks.
Our entrance criteria will exclude anyone with a pending allegation or past felony
conviction or another indicator of dangerously anti-social behavior.
Any resident found to have misrepresented his eligibility or who engages in precursors
to such behavior will be summarily dismissed without refund of that month’s residential
fee.
Entrants will have successfully completed intensive in-house residential rehabilitation
treatments so Serendipity can remain a safe-haven of spiritual convalescence.
The treatment itself will be a twenty-four / seven regimen of intensive patient-centered
behavioral modification treatments to anchor a newly learned spiritual discipline.
Limited play-time will enable residents to learn to relax inside their own skin.
This recreation will include short week-end excursions to Fairmont Park – as we all know,
one of Virginia’s brightest babies – so residents can re-learn the everyday pleasures of
everyday life to supplant addictive behaviors.
These groups create the peer-based accountability necessary to curb individual relapse.
As a non-profit organization, however, Serendipity will require the beneficence of people
like y’all to make its start.
Tonight, I ask you to join Virginia and me in starting Serendipity by donating one
thousand dollars over each of the next five years to establish our operations, first here
in Chestnut Hill and then in similar venues around North America.

12. In making your decision, I implore you to think of someone you know and care about
who suffers with behavioral addiction and imposes collateral damage on his loved ones.
A decent man needing your help to renew a life of dignity and loving-kindness.
It is he – in your mind’s eye – for whom you step forward this evening.
Thank you for your time and courtesy.