This document is confidential and may not be reproduced or redistributed without prior written consent. The information presented herein is for informational purposes only and does not constitute an offer to buy or sell, or a solicitation of an offer to buy or sell any security, fund interest, or financial instrument. It is not intended as investment advice. This presentation is intended solely for institutional use and should not be distributed to any party other than its intended recipient.

Introduction: The following materials provide information regarding the proposed creation of a special purpose vehicle ("the issuer") tha t intends to offer securities ("the securities") for private commercial loans. These materials are intended to offer preliminary information about the issuer and the described transactions to a lim ited number of potential underwriters of the Securities. Their purpose is to assist these potential underwriters in determining their interest in underwriting the securities.

Views and Opinions: The views and opinions expressed in this presentation belong to Modern Capital, Inc. and Flash Lending, LLC and are subject t o change based on market and other conditions. While the information herein is sourced from reliable sources believed to be accurate, no representation or warranty, expressed or implied, is made regarding its accuracy or completeness. There is no assurance that the investment objectives described herein will be achieved. Reliance on this material is at the discretion of the reader.

Illustrative Data: Data presented in this document is for illustrative purposes only. Past performance of asset class indices does not reflect actual returns or volatility of real accounts or investment managers. It should not be considered indicative of future results. Investments mentioned may fluctuate in price or value, and investors may receive less than their initial investment.

Forward-Looking Information: Forward-looking information in these materials is subject to limitations and may include expected structural features, anticipat ed ratings, proposed portfolio composition, diversification, specific investment strategies, and forecasts of macro market or economic conditions. Such information is based on certain assumptions that may differ from actual events and conditions. Actual results will vary, and variations may be significant. Prospective investors should carefully assess these assumptions for their suitability.

Preferred Returns: This presentation includes projected returns on investment which are intended for the purpose of illustrative projections to facilitate analysis and are not guaranteed by Modern Capital. Projected returns are based upon historical data with the assumption that the demand for particular assets will stay consiste nt and/or continue to increase. The projected results are hypothetical in nature and should not be relied upon in making any investment decision as actual results could differ materially depending on the relevant market and economic conditions. A more detailed explanation of the various risks and limitations associated with hypothetical in-formation is set forth in the PPM.

Historical Market Data: While these materials may contain historical market data, historical trends do not predict future market behavior. Information about the Manager, its affiliates, personnel, and historical portfolio performance is provided by the Manager for informational purposes and should not be viewed as a promise or indicator of the Issuer's future results.

Market Indicators and Benchmarks: Comparisons of market indicators, benchmarks, or indices may not be meaningful due to differences in their constitution and risks. No representation or warranty is made regarding the sufficiency, relevance, appropriateness, completeness, or comprehensiveness of the market data, informatio n, or summaries contained herein for any specific purpose.

Risk Disclosure: Past performance is not indicative of future results, and all investments carry inherent risks. Due to market volatility, inv estors may not experience returns similar to those depicted in this document. Market and economic conditions are subject to change, potentially resulting in materially different outcomes.

Copyright Notice: © 2025 Modern Capital, Inc and Flash Lending, LLC. All Rights Reserved. No part of this information may be reproduced, stored, or transmitted by any means without the express written consent of Modern Capital, Inc and Flash Lending, LLC.