Hi Andzrej,

In an era where traditional banks offer returns that barely outpace a melting glacier, EquityMultiple's Alpine Notes have emerged as the preferred solution for investors seeking to make their cash work as hard as they do.

Before you invest, read through the features that set them apart:

Zero Defaults

Since launching in 2021, EquityMultiple has completed 100+ Alpine Note series without a single default, late payment, or missed distribution.

With an 83.8% repeat investment rate and over $235 million invested by 2,110+ investors, Alpine Notes deliver what sounds unreal in today's market: attractive returns with a perfect payment record.

These statistics are the result of delivering what investors want. Alpine Notes' automatic rollover feature removes friction from reinvestment, and the zero-fee structure means investors keep what they earn.

Flexibility & First-Loss Protection

Investors have the flexibility to choose from three term options (3, 6, or 9 months) with APYs currently ranging from 6%¹ to 7.35%². What’s more, you can convert your Alpine Note investment into other EquityMultiple investments after holding your note for over 30 days.

First-time investors like yourself can earn an exclusive 8%³ APY on our Alpine Basecamp offering when you invest just $5k.

More than just offering attractive yields, we put our money where our mouth is through first-loss protection. EquityMultiple purchases a portion of each note series in a subordinated position, meaning if anything goes wrong, EquityMultiple loses money before investors.

Why It's a Timely Investment

The Federal Reserve sits steady at 4.25% to 4.50%, caught between persistent inflation (running at 2.4% against their 2% target) and economic uncertainty. Regional banks face a perfect storm: Basel III regulations demanding more capital, commercial real estate exposure creating portfolio stress (office vacancy rates hit 19.4% nationally), and deposit competition intensifying as customers wise up to their options.

Meanwhile, the traditional safe havens are showing cracks. Treasury volatility, measured by the MOVE index, spiked from 90 to 140 during recent stress periods. Even the dollar's safe-haven status wobbles as central banks reduce USD holdings from 59% to 56% of reserves. In this environment, parking cash in a savings account isn't conservative... it's a charitable donation to your bank.

INVEST IN ALPINE

If you have any questions, feel free to reach out to us at ir@equitymultiple.com or schedule a call with us below.

Happy Investing,

		Schedule a Personalized Call

		929-295-7749

		ir@equitymultiple.com

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¹ This assumes a 5.84% interest rate compounded over a 12-month term.

² This assumes a 7.11% interest rate compounded over a 12-month term.

³ This assumes a 7.72% interest rate compounded over a 12-month term.

*Diversification on the EquityMultiple Platform is defined as having dispersed investments between the Keep, Earn, and Grow offerings.

Disclosure: This material is confidential and has been prepared solely for the information of the intended recipient and may not be reproduced, distributed, or used for any other purpose or shared with anyone in any form or format. This has been prepared for you by EM Advisor, LLC (“EquityMultiple”), an SEC registered investment advisor. Information within this report may have been provided by third-parties, including images displayed, and, while EquityMultiple believes this information to be accurate, EquityMultiple has not independently verified such information. Reference to registration with the Securities and Exchange Commission (“SEC”) does not imply that the SEC has endorsed or approved the qualifications of the firm or its respective representatives to provide any advisory services described on the report or that the Firm has attained a level of skill or training. Investments in securities are not FDIC insured, are not bank guaranteed and may lose value. Investing in securities involves risks, and there is always the potential of losing money when you invest in securities. Additionally, investments may not achieve stated social, environmental, or similar objectives. Before investing, consider your investment objectives and EquityMultiple charges and expenses. EquityMultiple advisory services are designed to assist clients in achieving discrete financial goals. They are not intended to provide financial planning with respect to every aspect of a client's financial situation, they do not incorporate investments that clients hold elsewhere, and they do not provide tax advice. Past performance does not guarantee future results, and the likelihood of investment outcomes are hypothetical in nature. For a comprehensive view of EquityMultiple's track record, please visit equitymultiple.com/track-record. Nothing in this presentation constitutes an offer, solicitation of an offer, or advice to buy or sell securities in jurisdictions where EquityMultiple is not registered. Unless and until the material terms of any potential transaction, if any, are agreed upon and both parties sign a written agreement reflecting such terms, it is not the sender’s intent for our email exchange to constitute a binding agreement.

Net Returns: All internal rates of return or IRR are net of fees and entity level expenses unless explicitly stated otherwise. In certain cases, entity expenses are allocated on a flat, per investor basis and are not netted from returns due to the variable impact on individual investors. Such expenses are generally $100 or less annually and detailed in the offering documents.

Hypothetical Returns: This email describes hypothetical net returns that may be earned by an investor in this offering for illustrative purposes only. These returns have not been achieved by any investor. In certain cases, the described returns are a function of the contractual interest rate or preferred return associated with the investment. In other cases, the forecasted net IRR or equity multiple is a hypothetical return derived from assumptions regarding the future operating performance of the property. The assumptions involved in such forecasting include growth of market rental rates in the market, achievable market rental rates based on current and future property conditions, growth rate in property operating expenses and prevailing cap rates upon future sales of the property. These assumptions are derived from comparable properties, market reports, broker opinions, industry underwriting conventions and prior Sponsor/Borrower experience. While EM believes that these assumptions are reasonable, due to various risks and uncertainties, actual events or results or the actual performance can differ materially from those reflected or contemplated.

This investment has a high degree of risk, and there can be no assurances that any of the assumptions will be true or that the investment's actual performance will bear any relation to these hypothetical illustrations. The particular assumptions used to evaluate the return potential of this investment should be reviewed prior to investment. To access them click the