Unlocking Real Estate Investment Through Asset-Backed CLNs

Investing in the property is only part of the opportunity.

Traditional real estate investors buy buildings.

Our investors finance the journey to homeownership.

Every investment combines two components: a real residential property, and a customer committed to purchasing that property through a structured Lease-to-Own program.

The value of the investment comes from both.

What is an Asset-Backed Credit Linked Note?

A Credit Linked Note (CLN) is a structured investment instrument.

In our model, each CLN is linked to one specific residential property and one specific Lease-to-Own Agreement.

Every investment opportunity is presented individually. Investors know exactly:

• which property they are financing;
• where it is located;
• who the future homeowner is (through an anonymised customer profile);
• how long the program is expected to last;
• the projected investment return.

One property. One customer. One investment.

Each Asset-Backed CLN finances only one residential property.

Unlike diversified property funds, investors do not buy into a portfolio of unknown assets.

Every CLN has one underlying property, one Lease-to-Own customer, one investment profile, and one planned exit strategy.

This allows investors to select opportunities that best match their own objectives and risk preferences.

Real estate remains the underlying asset.

The residential property remains the foundation of every investment.

Throughout the Lease-to-Own program, the property remains legally owned by Investors' Angels.

The customer receives the contractual right to purchase that property upon successful completion of the program.

The investment therefore remains supported by a tangible residential asset from beginning to end.

Predictable long-term cash flows.

Traditional rental income depends heavily on occupancy.

Lease-to-Own creates a different dynamic.

The customer enters the program with the intention of becoming the future owner.

Every monthly payment contributes to that objective, creating predictable long-term payment flows throughout the investment period.

Customer commitment increases over time.

One of the unique characteristics of the Lease-to-Own model is that customer commitment generally strengthens as the program progresses.

Each month the customer builds a larger Purchase Option Balance (POB).

At the same time, the Customer Commitment Ratio (CCR) continues to increase.

As customers invest more of their own financial future into the property, their economic incentive to complete the program generally becomes stronger.

This alignment benefits both homeowners and investors.

Property appreciation creates additional protection.

The Lease-to-Own Agreement fixes the future purchase price when the property is acquired.

If property values increase during the program, that appreciation belongs to the customer once the agreement is successfully completed.

This gives customers another powerful incentive to remain committed.

If the customer fails to complete the program, the Company retains control of the property in accordance with the Lease-to-Own Agreement. Any market appreciation may therefore provide an additional layer of protection for investors.

A predefined Investment Policy.

Every investment is accompanied by a predefined Investment Policy.

Before investing, investors understand exactly how different scenarios will be managed.

If the customer successfully completes the program, the investment concludes through the planned purchase of the property.

If circumstances change, predefined procedures determine how Investors' Angels will protect investor interests.

Transparency exists before the investment begins—not after problems arise.

A different approach to liquidity.

Direct real estate investments often require the underlying property to be sold before an investor can exit.

Asset-Backed CLNs create greater flexibility.

Subject to applicable regulations, market conditions and investor demand, a CLN may be transferred through the secondary market without requiring the property itself to be sold.

The homeowner's Lease-to-Own Agreement continues uninterrupted.

A new category of residential investment.

Asset-Backed CLNs combine characteristics that have rarely existed together.

A tangible residential asset. Long-term contractual cash flows. A customer financially committed to ownership.

Transparent investment reporting. Clearly defined exit scenarios. Independent legal documentation.

Together, these elements create a new way to participate in residential real estate.

Investing in people as well as property.

Every CLN finances a real home.

But it also finances a real family.

It enables people to begin living in the home they hope to own years before a traditional mortgage would have made that possible.

Financial returns remain important. But they are achieved while helping create successful homeowners rather than long-term tenants.

The future of residential investing.

Residential real estate has always been one of the world's most important asset classes.

Technology, structured finance and digital investment platforms are now transforming how people participate in that market.

Asset-Backed Credit Linked Notes combine institutional investment principles with the everyday goal of homeownership.