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Top performing asset - 1st deed of trust 11.0% annually.

Welcome to Pencap, your lower risk, higher yield solution to the Dow Jones Industrial Average, Certificate of Deposit and Treasury notes. We deliver significantly higher
returns than other investments and we produce a steady stream of income through
all market conditions.

At Pencap, we introduce our investors to a large inventory of real estate properties secured by a first mortgage deed of trust from income producing commercial and
non-owner occupied real estate assets. The average annual return one could expect
is 11% to 13%. Investments are conservative with a loan-to-value of 55%, based on current appraised value 30 days before lending. Your name is on the title and recorded copies are mailed direct to you from the Title Company.

Call today to speak to an investment relationship manager. 831-288-6000