OVERVIEW of SBM Financial Group

SBM Financial Group is dedicated to providing financial solutions to advance the goals of institutions, individuals and small to middle market businesses. The company operates out of four primary business lines—Investment Products, Mortgage Services, Capital Management and Principal Investments.

Investment Products

SBM Investment Products, the company’s original line of business, offers fixed-rate Investment Certificates primarily to retail investors. These fixed-income securities are known as face-amount certificates, and are similar to bank CDs or fixed annuities, but are issued by registered investment companies, similar to mutual funds. SBM Certificates are sold by the company’s network of independent broker-dealers nationwide.

The Investment Products division provides Certificateholder Services, including all back-office operations, for the company’s face-amount certificate operations. The division also provides Adviser Support services to registered representatives and the broker-dealer network that promotes the investment certificates.

SBM also offers Structured Investment Products to institutional investors. The institutional product line offers fixed-rate investment notes, similar to SBM’s retail investment certificates, but targeted to qualified institutional purchasers. The institutional notes are issued not by one of the company’s registered investment companies, but via private placement by special purpose vehicles sponsored by SBM specifically for the purpose of issuing the notes.

Mortgage Services

SBM provides Home Loans to borrowers through SBM Mortgage Corporation, its mortgage subsidiary. SBM Mortgage offers numerous loan products for residential and commercial loans, and is licensed to conduct business in Delaware, the District of Columbia, Maryland and Virginia.

Principal Investments

SBM’s Principal Investments group provides or arranges financing for commercial real estate projects and asset-based lending secured primarily by real estate for small and medium-sized businesses. SBM also participates as a principal investor in private equity and debt opportunities.

Capital Management

SBM’s Capital Management division, established in 2003, provides Investment Management and oversight to institutional and private clients. The company’s dedicated capital management team is focused on providing outstanding research, analysis and security selection consistent with the investment objectives and risk/reward parameters established by the client, both for equity and fixed income portfolios.

For specific mandates, SBM Capital Management also partners with leading investment advisory firms to tailor specific investment programs for institutional investors, including pension funds and exempt investment companies.

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