Commercial Equity PartnersCommercial Equity Partners

Investment Opportunityin Debt Investmentand Current Rates

1000 N West Street

12th Floor

Wilmington DE 19801

United States

410.630.1228

Opportunity OverviewOpportunity Overview

Commercial Equity Partners, Ltd was established toassist current and potential investors in the UnitedStates, Europe and other parts of the world who are insearch of an alternative to the typical low ratesoffered by most domestic banks.

We offer myriad investment options from certificate ofdeposits backed by commercial real estate mortgagenotes and commercial property tax liens, to long-terminvestments in multi-family properties purchased at adiscount.

Because our clients have distinct investmentpreferences, we offer several distinguishing options forindividuals looking to invest in high-yield investments.

CEP takes pride in helping clients maximize theirinvestment leverage, ultimately leading to returnsincluding tax strategies.

Short to Medium Term Investments

Our investments have typical maturities ranging from 1to 10 years. And unlike the vacillating stock market,our investments remain steady and reliable, paying orearning you a monthly interest income.

Risk Reduction Through Portfolio Diversification

Because our investments are not correlated to theseoften erratic movements in the stock market, theyoffer a fine option for diversification in yourinvestment portfolio.* Most investment professionalsrecommend that a portfolio have proper assetallocation: equity investments (stocks, stock mutualfunds), income investments (CD's, bonds, real estatecontracts) and cash. Our investments are a good optionfor the income component of your portfolio without thesacrifice of returns associated with bonds and CD's.

What is the CEP Debt Investment?What is the CEP Debt Investment?

Lending is one of most long-standing enterprises in theworld, and banks practice it daily in the form ofMortgage Notes for Real Estate. Banks pays depositors2% to 4% on their money, then loan that money out toborrower at a rate of 7% to 10% earning you, theinvestor, a nice profit margin.

With our Commercial Mortgage Note DPIs, we take theinvestor's funds and invest them into securedcommercial real-estate bridge loans across the UnitedStates. CEP is unique in that we earn our money fromloan fees versus interest spread, offering you a higherrate of return secured by commercial real estate.

With our Tax Lien Debt Investments, we purchase taxliens from around the country on commercial andresidential property, and hold these liens until we arepaid by the property owner, a buyer of the property,the mortgage holder or, in 2.7% of the cases, weforeclose on the property to recoup our money and earna windfall profit.

Today, particularly in this inconstant economy, individualinvestors are looking for opportunities to earn moremonthly income while maintaining a secure anddiversified portfolio. Our Debt Investment option willbalance your portfolio by providing a secure fixed-incomeinvestment. Fixed Income Investments pay interest atspecified times in a fixed amount and, whenprofessionally underwritten and managed, have become astrong investment alternative for the income-producingportion of an investment portfolio.

Additional Benefits of our Debt Investments:

• No Load Investment - there are no fees for investing

• High Fixed Yield - generally higher than most banks rates

• Security - Our Trust Deeds are backed by CommercialReal Estate, and have lucrative Equity in either theproperty or tax liens issued by the local government.

• Stability - interest stays constant throughout the term ofthe loan

• Fixed Principle - Principal value of investment does notvary unlike stocks and bonds.

Traditional Debt Investment

This is an excellent opportunity for the investor in search ofan alternative to the low rates offered by most domesticbanks. These investments offer a fixed rate of return, steerclear of market fluctuations and provide flexibility to thosethat require liquid investments.

Commercial Equity Partners offers Traditional DebtInvestments. You can open an account with as little as$1,000.00 and add additional funds at any time. You alsohave the freedom to withdrawal your money at any timewith no penalty (Seven days written notice required.Maximum Investment Amount $25,000 in this account).

Please note that the fixed interest rates for all debtinvestments listed here are compounded monthly, unlessyou choose monthly payments.

Term Minimum Fixed Interest

Investment APR Rate

12 Months $ 1,000.00 7.750%

18 Months $ 1,000.00 8.250%

24 Months $ 1,000.00 8.750%

Premium Debt Investment

For the investor who is looking for an alternative to the lowrates offered by most domestic banks, a fixed rate ofreturn to avoid market fluctuations, and is willing torelinquish the option to redeem their investment with 45days notice in exchange for a higher yield, CommercialEquity Partners offers Premium Debt Investment.

These DI's are ideal for investors that want a predictablemonthly income, or desire to reinvest the interest,compounding it monthly for a higher APY. You have theoption of Monthly, Quarterly, or Annual payments ofinterest, or, compounding for the whole term. (Note: EarlyWithdrawal Penalty is equal to two months interest)

Term Minimum Investment Fixed Rate

18 Month DPI $2,500 9.850%

$15,000 10.150%

$30,000 10.750%

$50,000 11.250%

60 Month DPI $2,500 10.895%

$15,000 11.250%

$30,000 12.250%

$50,000 12.900%

Platinum Debt Investment

If you do not require monthly income and would like to bepart of a unique investment strategy, this is a fantasticopportunity. The Platinum Debt Investment plans is idealfor those investors that want to include this product intotheir retirement account portfolio through a Self Direct IRAor 401k.

Your investment flexibility equals profit! We offer a fixedrate of return, plus a share in any windfall profits from thepurchase of property tax liens and tax deeds. In exchange,you agree to a one year lock-out on an early withdrawal,and earned interest paid out on an annual basis or at theend of the full term. Tax Liens and Tax Deeds are a greatway to hedge against the fluctuations of the stock market.The collateral we purchase has, at a minimum, a 30 to 1value over the cost of our investment (on average), theprincipal value never decreases, and you have a fixed rateof return and an opportunity to share in the windfallprofits. (Note: Early Withdrawal Penalty is Equal to ThreeMonths Interest)

The returns from these DI's are compounded monthly foreven higher rates of APY. In addition, these DI's share in theprofits of any properties we foreclose on. All investors inthis program share in 45% of the profits when we have toforeclose on any particular property.

Platinum Debt Investment Rates

Depending on the location, we foreclose on 3%to 5% of the liens we own. When ever there is awindfall profit from a foreclosure, all non-retirement accounts will be eligible for animmediate payout. (Ask an Account Manager forcomplete details.)

Term Minimum

Investment Fixed Rate

30 Month DPI $ 5,000 10.850%

$25,000 11.150%

$50,000 11.750%

$100,000 12.750%

60 Month DPI $ 5,000 12.100%

$25,000 12.450%

$50,000 12.950%

$100,000 13.950%

F A Q

What are your current rates?

Current rates are from 7.750% to 13.950%.

How are you paid?

You may be paid monthly, quarterly, semi-annually orannually. You can also choose to have your investmentreturned if you want to reinvest into the pool, andultimately grow that investment. You can be paid bydirect deposit or check.

How is your investment secured?

Commercial Equity Partners operates in a "niche"lending industry— lending money from private investorsto Real Estate professionals seeking loans forAcquisition and Cash Out Refinance of multi-family,mixed-use, retail, light industrial, mini-warehouse andoffice condos. All loans are secured by First PositionMortgages (we never exceed 70% LTV, average is 65%LTV) and offered to investors who seek a securedinvestment that pays more than double most bankrates.

F A Q

When we offer a loan, we require that 6 to 12months of interested reserves be set aside in ourescrow account to ensure the borrower makestheir initial payments. This creates a very smallrisk factor as the goal of the borrower is to sellor refinance their property in this time period.

All of our tax liens are secured by real property.Every property has an assessed value determinedby a local government at 10 to 100 times theamount of the lien. Our liens are backed by thefull faith of the local government and state lawsthat insure the tax lien certificates.

Are your Certificate of Deposits FDIC Insured?

No, as we are not a bank but a private lendingand investment group.

Do you have a lending website?

www.cepfunding.com

F A Q

How can I feel assured that your company islegitimate?

Since we are a privately held company this is certainlya valid question. In order to make potential clientscomfortable with placing their hard earn funds with ourfirm, there are several steps we have taken to help youfeel assured we are an authentic company, with validemployees.

First, we have registered for a DUNS number. This is aworldwide organization that rates companies andverifies information about that company. Our DUNSnumber is 827637575.

We have also undergone the verification of SiteSafethrough Network Solutions. This official process is toverify we are a real company and not just a virtualcompany. In order to qualify, we had to supply bankstatements, leases, phone bills and many other items.

To learn more about both of these validationcompanies, please go to our About Us page on ourwebsite and click on their logos.

We are a member of the Delaware State Chamber ofCommerce, allowing us to be more involved in our localbusiness community.

We are an Accredited member of the Better BusinessBureau.

Disclosure

Disclosure:

You can invest your funds in Commercial EquityPartners in the six following currencies: US Dollar, Euro,Swiss Franc, Canadian Dollar, Japanese Yen, and BritishSterling.

Disclaimer: The information on this website is onlyintended to provide general information aboutCommercial Equity Partners LTD and the business itconducts. Nothing contained in this website is, norshould be considered to be, an offer to sell, or asolicitation of an offer to buy, securities.

These investment products are not FDIC insured OurDebt Purchase Investments are not rated or insuredagainst loss and may be subject to substantial risks thatare further described in the Prospectus Summary. Pastperformance is not a guarantee of future results.Investors are urged to read the Prospectus Summaryprior to investing.