Michael Haltman

basic questions guide us in our day-to-day business: - What value can Hallmark Abstract add for a client? - Why should Hallmark Abstract be a client’s first choice? The answer to the first question is simple. Hallmark Abstract takes the time to understand exactly what an attorney, banker, mortgage professional or property buyer requires in order for their closing protocols to run smoothly and efficiently with no chance of delay or even adjournment due to title issues. From personal meetings and follow-ups to customized services for pre and post closing procedures, Hallmark Abstract guides it actions based on each client’s individualized needs. The second question can be answered based on the fact that Hallmark Abstract has a long track record of putting its clients first resulting in an extremely high percentage of those clients returning to Hallmark Abstract time and time again. A company created for attorneys, lending professionals as well as for individuals, Hallmark Abstract seeks to surpass all expectations by bringing files to closing without surprise or delay. Every single time! Finally Hallmark Abstract stands by this simple phrase that is both our promise to you and a philosophy for the way in which we conduct our business: “Hallmark Abstract has never been to a closing where the title wasn’t cleared!” We look forward to starting a long-standing relationship with you and we would welcome the opportunity to meet with you at your office. 131 Jericho Turnpike, Suite 205, Jericho, New York 11753 516.741.4723 (O) 516.741.6838 (F) http://www.hallmarkabstractllc.com orders@hallmarkabstractllc.com

our seminar manual, will provide the total education necessary to successfully work and compete in the commercial mortgage business. It will also provide investors in commercial property the knowledge to better analyze a potential scenario and to fully understand the best ways to obtain financing. The program will cover all of the following areas of the commercial mortgage and commercial real estate marketplace: Introduction to the Commercial Mortgage Market; Commercial Mortgage Finance; The Commercial Mortgage Capital Markets; Analysis of Collateral, Net Operating Income, Capitalization Rates and Debt Service Coverage; Deal Preparation and the Legwork Involved; Letters of Interest, Personal Financial Statement Analysis, Reading Commercial Leases and Tax Returns, Third Party Reports, Deal Pricing, Exceptions, Rate Adjustments and the Commercial Mortgage Matrix; The Underwriting Process; Commercial Mortgage Selling Techniques; Commercial Loan Scenario Analysis Additionally, we will send you our Deal Ananlysis spreadsheet which allows you in real time to input the income and expense information from a property and determine at different mortgage and capitalization rates the value and viability from a financing and debt service coverage perspective. A brief clip of one of our seminars can be viewed at our seminar website, TheCommercialCapitalMortgageSeminar. If you are interested in any aspect of the commercial mortgage or real estate markets, then this DVD program is a must!