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About berkadia

OVER 14,000 TRANSACTIONS FINANCED IN OUR HISTORY, AND THATS JUST PART OF WHO WE ARE.
Berkadia is one of the largest providers of third-party commercial mortgage servicing options in the United States. Berkadia is different from other lenders because, as a private company, we can offer direct access to capital with limited red tape. We also have the knowledge, integrity and creativity to see your project through from conception to execution. Berkadia offers access to a broad selection of commercial real estate financial services and boasts a team of experts with an average of 25 years of industry experience. We are a leading approved lender for Fannie Mae, Freddie Mac and HUD/FHA. Our mortgage banking team has wide-ranging experience in multifamily, retail, office, industrial, seniors housing, student housing and manufactured housing communities. Founded as a joint venture between Berkshire Hathaway and Leucadia National Corporation, Berkadia, in its present and past forms, has helped clients through every market condition and we put that experience to work every day.

112,586 LOANS HAVE PREPARED US FOR YOURS.

Our seasoned industry professionals have an average of 25 years of experience, with the majority having been at Berkadia since its inception. They are experts in their respective fields, with the vision and capabilities to make your project succeed.

Chief Executive Officer Hugh R. Frater Hugh Frater is the chief executive officer of Berkadia and a member of the Executive Committee. Prior to joining Berkadia, he was the chief operating officer, managing director and senior advisor at Good Energies, Inc., a multibillion euro global private investor in renewable energy. Previously, Mr. Frater was executive vice president at PNC Financial Services, where he led the real estate division. Mr. Frater was a founding partner and managing director of BlackRock, Inc., the largest publicly traded investment manager. Earlier in his career Mr. Frater was a vice president at Lehman Brothers, where he worked in the Mortgage Finance and Financial Institutions departments. He has an MBA from the Columbia Business School at Columbia University and a bachelors degree from Dartmouth College.

President and Chief Financial Officer Randall Jenson Randall Jenson is president, chief financial officer and a member of the Executive Committee. In this role he is responsible for the finance, accounting, treasury, process improvement and risk divisions as well as mergers and acquisitions and general management. Prior to joining Berkadia, Mr. Jenson spent nine years with Ranch Capital, LLC as co-founder and president. Ranch identified the investment in Berkadia and introduced it to Leucadia and Berkshire. While at Ranch he also worked as interim chief financial officer of Hawaiian Holdings, Inc., the parent company of Hawaiian Airlines, a Ranch Capital portfolio company, and currently serves on the board of directors for Hawaiian Holdings, and several private companies. Prior to joining Ranch, he held various positions at Leucadia National Corporation, including business development and president and CEO of Banking and Lending Operations for more than five years. Mr. Jenson is a Certified Public Accountant and has a Bachelor of Arts degree in accounting from the University of Utah and an MBA degree from Harvard Business School.

Executive Vice President, Head of Servicing Mark E. McCool Mark E. McCool is an executive vice president and a member of the Executive Committee. Mr. McCool currently oversees all Servicing Operations and Strategic Initiatives. In his current role, he holds management responsibility of Special Servicing, Servicing Administration, Offshore Administration, Strategic Initiatives and Banking. Mr. McCool began his career with GMAC Financial Services and has been with the GMAC family of companies for over 24 years. He joined GMAC Commercial Mortgage in 1998, and has more than 17 years experience in every facet of commercial loan servicing. Mr. McCool actively participates in various industry trade groups, task forces and committees and is currently co-chairman of the Freddie Mac Seller/Servicer Advisory Council. Mr. McCool holds a Bachelor of Science degree from the University of Scranton.

Executive Vice President, General Counsel Thomas Miraglia Thomas Miraglia is a 12-year veteran of Berkadia and its predecessor companies. He currently serves as executive vice president, general counsel, and is the member of the Executive Committee ultimately responsible for all of Berkadias legal and compliance issues. Mr. Miraglia sets the organizations legal agenda, identifies and addresses critical issues for the company, and anticipates and proactively plans for contingent risks that may impact the enterprise in the future. When collaborating with his colleagues to create solutions that further the companys goals, Mr. Miraglias legal advice is informed by a pragmatic business sense borne of first hand experience. He has been on the leading edge of high profile issues in the industry throughout his career, including guiding the $563 million World Trade Center securitization to a complete payoff, and leading the company and the industry through the aftermath of several terrorism

insurance controversies. Consistent with Berkadias unwavering commitment to core values, Mr. Miraglia works closely with senior management to set and adhere to the highest standards of integrity, ethics and behavior. Prior to joining GMAC Commercial Mortgage in 1999, Mr. Miraglia practiced in the real estate department of Ballard Spahr Andrews and Ingersoll in Philadelphia, Pa. He has a bachelors degree from the University of Scranton and a law degree from the Temple University School of Law in Philadelphia. Mr. Miraglia is a frequent speaker on legal and business panels involving commercial mortgage servicing and securitization.

Chief Operating Officer Linda Pickles Linda Pickles is chief operating officer and a member of the Executive Committee. As chief operating officer, she is responsible for Berkadias human resources, facilities management, communications and information technology. Prior to assuming her current position, Ms. Pickles was executive vice president and chief administrative officer of Capmark Financial Group Inc. She holds a bachelors degree in Human Development and Family Studies from Pennsylvania State University and holds a Senior Professional Human Resources (SPHR) designation.

Executive Vice President, Head of Loan Production Karl Reinlein Karl Reinlein is an executive vice president and head of production. In this role he is responsible for the oversight of Berkadias origination network. He is also a member of the Executive Committee. Mr. Reinlein has more than 35 years of commercial and single-family residential lending experience. Prior to joining GMAC Commercial Mortgage in 1997, he was

co-chief executive officer of Patriot Mortgage Company, a single-family residential lender with a multi-state branch operation. Mr. Reinlein has an MBA from St. Louis University and a bachelors degree in Business Administration from Washington University. He is a licensed Missouri Real Estate Broker.

5,806 YEARS OF EXPERIENCE. AND GROWING.

As a leader in multifamily and commercial lending, Berkadia is staffed with industry professionals who have an average of 25 years industry experience, including 15+ years with Berkadia. Berkadias people are its greatest strength. Each individual in the company is a direct contributor to our success. When you join Berkadia, everything our team has to offer is yours access to capital, extensive market knowledge, and a full suite of complementary products. That means you can give your clients the power and efficiency of the Industry of One. Were different from other lenders and servicers because we have direct access to capital compared to small, private lenders, and were less regulated than investment banks. When youre backed by a leader, you become one. Join Berkadia and become part of The Industry of One. Berkadia offers a wide range of opportunities in Investment Client Services, Mortgage Banking, CMBS and Shared Servicing and Asset Management. If you share our ideals and are excited at the possibility of working for a stable, financially secure industry leader, please search our current job openings.

COME TO BERKADIA FOR OUR REPUTATION. STAY FOR THE RESULTS.

Berkadia Commercial Mortgage is a highly rated Special, Master and Primary servicer. Fitch Ratings 7/8/2011 Primary CPS1Master CMS2 Special CSS1Standard & Poors Financial Services LLC

1/10/2011 Primary Strong Master Strong Special Strong Morningstar Credit Ratings, LLC 10/1/2011 Primary MOR CS2 Master MOR CS2 Special MOR CS1 Dominion Bond Rating Service 6/22/2011 Primary Superior Master Superior