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HomeMy WebLinkAbout2010 07 28 Other Portfolio File And Strategy Provided By CornerstoneDate: July 28, 2010 The following document was provided to the Board of Trustees at the July 28, 2010 Special Meeting. r E17- i Cornerstone Patriot Fund 2010 Portfolio Profile & Strategy Lm CORNERSTONE / � f `V 4L Table of Contents Portfolio Overview ............................. ............................... 1-5 Market Outlook ................................ ............................... 6 -8 Apartments Lakes of Schaumburg ......................... Chicago ..................................... 9 Promenade Oaks ............................ Minneapolis .................................. 10 Regatta Apartments .......................... Philadelphia ..... .............................11 TheRidge .......... .........................Boston ....... .............................12 Hotel Hamilton Crowne Plaza ..................... Washington DC ................................. 13 Industrial Bellegrave Industrial .......................... Riverside ...... .............................14 Crossroads Distribution Center & Land ............ Atlanta ....... .............................15 Pureland VI ................................ Philadelphia .................................. 16 San Fernando Business Park A, B, C, D, & E ....... Los Angeles ..... .............................17 Townsend Distribution Center ................... Portland .................................... 18 Office The Atrium ...... .........................Orange County ................................. 19 BayhillI & II .. ............................San Francisco .................................. 20 Chevy Chase Plaza ........................ Washington DC .... .............................21 Colonnade II ............................. Raleigh-Durham ................................. 22 Spear Street Terrace ......................... San Francisco .................................. 23 Waterway Tower .............................. Dallas ..................................... 24 Retail Bridgeside Shopping Center .................... Oakland .................................... 25 Promenade at Town Center .................... Los Angeles ..... .............................26 RedTop Plaza ............................... Chicago .................................... 27 Renaissance Creek ........................... Sacramento ..... .............................28 South Lakes Village ........................ Washington DC .... .............................29 University Park ............................... Denver ....... .............................30 Other General Road Business Park .................... Riverside ...... .............................31 CORNERSTONE PATRIOT FUND Fund Overview 2010 Strategy • Core, open -end commingled fund with a research -driven strategy Major Revenue Growth Initiatives • Structured as a private REIT /operating partnership ■ Focus on tenant retention • Objective: Long -term 5% real rate of return (gross of fees) ♦ Early renewal of tenants and to exceed the NCREIF Fund Index - Open -End Diver- ♦ Improve timing of apartment lease maturities sified Core Equity (NFI -ODCE) ■ Focus on solid credit for commercial tenants ■ Diversified by property type and geography ■ Maintain/enhance property advertising ■ Value -added component ■ Increase frequency of tenant contact ■ Quarterly cash flow distributions, contributions and re- ■ Lease -up of three value -added properties demptions Note: Diversification ranges are continually evaluated in light of current market conditions and subject to change Cornerstone Real Estate Advisers LLC Expense Management 2009 Highlights ■ Maintain strong focus on property operating costs Total Assets $960.5 million ♦ Emphasis on appropriate expense levels Net Assets $732.4 million ♦ Continued emphasis on Cornerstone's Green Initiative Number of Investments 27 ■ Continue to protest property tax valuation assessments Number of Markets 16 ♦ Potential savings due to overall market decline Core Leased (excluding Hotel) 94% Overall leased (including Hotel) 84% Diversification Cash -to -Total Assets' 7.8% ■ Increase Northeast Leverage Ratio (debt/total assets) 19.8% ■ No additional California properties Exit Queue $0 ■ No additional Washington DC properties ■ Consider Florida east coast, as market warrants 'Excludes restricted and cash reserved for payment obligations ■ Selected growth markets Financial Objectives ■ Continually evaluate weightings in light of current market conditions and pricing 2009 2009 2010 Objective Actual Objective Income Return (gross) 5.3% 5.4% 6.1% Cash /Leverage Cash Yield (assumes 11% fee) 4.0% 4.1% 4.5% ■ Reduce cash balances through acquisitions over course of Same Store NOI Growth -3.8% -6.4% -5,7% year NOI Return (Property) 6.1% 6.1% 7.4% ■ No financing maturities in 2010 ■ Access $125 million line, if needed Fund Guidelines Acquisitions /Dispositions NFI- Target Actual Target ODCE Fund ■ One property has been identified for sale, depending on 12/31/09 12/31/09 12/31/10 12/31/09 Guidelines market conditions Property Type ♦ Lakes of Schaumburg — Chicago Apartments Apartments 20 -25% 19.5% 30-35% 18.8% 20-40% Office 35 -40% 31.5% 30-35% 37.0% 25-45% ■ $150 million available for acquisition, excluding new deposits and sales Retail 17 -23% 25.2% 20-25% 20.2% 15-35% Hotel 6 -9% 10.0% 5-10% 2.8% 0-15% ■ Prospects of additional sales and acquisitions dependent Industrial 10 -15% 13.2% 10-15% 18.9% 10-25% upon capital markets Land /Other <1% 0.7% <1% 2.3% N/A Leverage 20% 19.8% 20% 33.5% 30% max. Value -Add 4% 4.0% 6% 20% max. Note: Diversification ranges are continually evaluated in light of current market conditions and subject to change Cornerstone Real Estate Advisers LLC 2010 PORTFOLIO PROFILE & STRATEGY Patriot Fund Metropolitan Area Diversification (GMV, 12/31/09) Minneapolis 3.8% Chicago 6.4% oston 6.3% Portland 1.8 %� Sacramento 6.1 % San Francisco 13.9 ° / Denver 2.7 %,* Oakland 3.2% Los Angeles 14.1% Riverside 0.5 Orange County 7.3% Geographic Diversification (GMV, 12/31/09) Northeast 14.2% Pacific 46.9% East North Central 6.4% Mounta i n 2 7% West North Central Southwest 3.8% 2.2% Southeast 2.0% Property Size (GMV, 12/31/09) <$10 million 2.6% $75 - $100 million $10 - $20 million 19.3% 14.3% $50 - $75 million 33.6% P hiladelphia 7.9% Washington 20.3% \ Raleigh 1.5% Atlanta 2.0% Dallas 2.2% Property Type Diversification (GMV, 12/31/09) Mideast 21.8% F 2 Property Lifecycle (GMV, 12/31/09) Pre - Development Lease -Up 0.7% 3.3% ;20 - $50 million 30.3% ents YO Hotel 10% lustrial 3.2% ting �/0 Cornerstone Real Estate Advisers LLC 31.5% Land 0.7% CORNERSTONE PATRIOT FUND NOI Comparison 2009 - 2010 (Same Property Basis - in Millions) $70 $60 0 2009 Plan ❑ 2009 ■ 2010 Plan $50 $40 $30 $20 $10 $0 Apartments Hotel Industrial Office Retail Total NOI Growth (Before Interest Expense) 2010 Portfolio Income Objective (in Millions) NOI (Fund Level) $56.4 Non - Operating Expenses (0.3) Forecasted Actual Forecasted $45.7 % Change % Change % Change % Change % Change % Change in NOI in NOI in NOI in NOI in NOI in NOI 2005 -2006 2006 -2007 2007 -2008 2008 -2009 2008 -2009 2009 -2010 Same Store" Apartments 5.73% 7.57% 2.91% 1.39% -3.55% 2.53% Hotel 3.35% 21.44% 2.11% -7.42% - 16.34% -5.38% Industrial 9.30% 2.57% -0.39% 9.63% 7.88% 0.39% Office -2.70% 12.04% 7.39% -6.36% -4.73% - 15.80% Retail 14.98% -2.95% 6.91% -4.15% -7.42% -1.08% Total Same Store 5.02% 7.98% 4.98% -3.97% -6.39% -5.72% '' fnVES(n1En(S wit /I Ju11 year oJexperienceJ0r indicated (inie JranIes 2010 Portfolio Income Objective (in Millions) NOI (Fund Level) $56.4 Non - Operating Expenses (0.3) Debt Service (10.4) Net Investment Income $45.7 Beginning NAV (12/31/09 Projected value) $732.4 Implied Income Return - on Beginning NAV 6.1% 3 Cornerstone Real Estate Advisers LLC Occupancy by Property Type (as of 12/31/09) 100% 80% 60% 40% 20% 0% 2010 PORTFOLIO PROFILE & STRATEGY Total Occupancy at Year -End 10070 90% 85% 80% 70% 60% 1 1 1 1 1 1 1 1 1 i i 2004 2005 2006 2007 2008 2009 * Effective 111109 the hotel was reclassified as "core," prior period occupancy was re- stated to be comparable Expirations by Property (Commercial Properties - Office, Industrial, Retail) Property Type 92% 68% 81% 79% 92% 2014 Office 1,248,132 9% Apartments Hotel Industrial 28% Office Retail 2010 PORTFOLIO PROFILE & STRATEGY Total Occupancy at Year -End 10070 90% 85% 80% 70% 60% 1 1 1 1 1 1 1 1 1 i i 2004 2005 2006 2007 2008 2009 * Effective 111109 the hotel was reclassified as "core," prior period occupancy was re- stated to be comparable Expirations by Property (Commercial Properties - Office, Industrial, Retail) Property Type NRA 2010 2011 2012 2013 2014 Office 1,248,132 9% 6% 28% 6% 9% Retail 816,146 2% 3% 17% 7% 5% Industrial 1,908,516 7% 2% 14% 34% 10% Total Commercial 3,972,794 6% 4% 19% 20% 9% Debt Summary (as of 12/31/09) ■ Core Portfolio* ❑ Total Portfolio 92%92% 93% 92% 91 %91% Cornerstone Real Estate Advisers LLC 4 Principal Balance Property Name (in millions) Rate Maturity Date Chevy Chase Plaza $35.0 5.44% Feb -16 Promenade at Town Center $34.4 7.20% Jul -12 Regatta Apartments $35.0 4.72% Jan -1 1 The Ridge $45.0 5.78% Mar -17 PurelandVI $14.2 6.02% Aug -18 Renaissance Creek ( z ) $26.0 LIBOR +210bps Nov -11 Portfolio Level c3 $0.0 LIBOR +55bps Jul -11 Total (4) $189.6 5.58% «> Purchase price reduced to adjust for higher than market rate debt (2) Call options every five years beginning 1112011 through 1112031. Rate changes 1112010 LIBOR +225 (3) $125 million line of credit with one, one -year extensions, unused fee of 8bp (4) Total rate is a weighted average of fixed rate debt ■ Core Portfolio* ❑ Total Portfolio 92%92% 93% 92% 91 %91% Cornerstone Real Estate Advisers LLC 4 CORNERSTONE PATRIOT FUND Investment Summary Investment Name MSA Type GMV % of Total GMV Occupancy Lakes of Schuamburg Chicago, IL Apartments $35.2 4.3% 88.5% Promenade Oaks Minneapolis, MN Apartments $31.5 3.8% 91.0% Regatta Apartments Philadelphia, PA Apartments $42.1 5.1% 95.4% The Ridge Boston, MA Apartments $51.8 6.3% 94.7% Hamilton Crowne Plaza Washington, DC Hotel $82.3 10.0% 67.8% Spear Street Terrace San Francisco, CA Office $76.7 9.3% 97.1% The Atrium Orange County, CA Office $60.1 7.3% 67.2% Chevy Chase Plaza Washington, DC Office $54.6 6.6% 99.7% Waterway Tower Dallas -Ft Worth, TX Office $18.1 2.2% 80.5% Bayhill San Francisco, CA Office $38.4 4.7% 100.0% Colonnade II Raleigh- Durham, NC Office $12.1 1.5% 9.1% Crossroads Distribution Center Atlanta, GA Industrial $14.9 1.8% 95.7% Pureland VI Philadelphia, PA Industrial $23.2 2.8% 100.0% Townsend Distribution Center ' Portland, OR Industrial $14.8 1.8% 10.7% San Fernando Business Center A Los Angeles, CA Industrial $12.7 1.5% 100.0% San Fernando Business Center B Los Angeles, CA Industrial $6.8 0.8% 100.0% San Fernando Business Center C Los Angeles, CA Industrial $14.0 1.7% 100.0% San Fernando Business Center D Los Angeles, CA Industrial $14.0 1.7% 100.0% San Fernando Business Center E Los Angeles, CA Industrial $8.8 1.1% 100.0% General Road Business Park ' Riverside, CA Land $4.0 0.5% N/A Crossroads Land 0) Atlanta, GA Land $1.5 0.2% N/A Red Top Plaza Chicago, IL Retail $17.8 2.2% 83.6% South Lakes Village Washington, DC Retail $30.8 3.7% 96.2% Renaissance Creek Sacramento, CA Retail $50.7 6.1% 90.0% Bridgeside Shopping Center Oakland, CA Retail $26.3 3.2% 91.6% University Park Denver, CO Retail $22.4 2.7% 97.5% Promenade at Town Center Los Angeles, CA Retail $60.0 7.3% 97.3% Total /Weighted Average $825.4 100.0% 84.0% Forward Commitments Investment Name MSA Type Acquisition Price Timing Bellegrave Riverside, CA Industrial -Dev $50.9 1 Q201 0 <u Value- addC61 investment (2) A reserve for write -clown totaling $24.9 million was Cohen in 2009 5 Cornerstone Real Estate Advisers LLC 2010 PORTFOLIO PROFILE & STRATEGY US Economic and Real Estate Market Outlook as of January 18, 2010 Economy and Employment The US economy enters the new year clearly on the path to recovery with broad gains across most leading indicators. Initial unemployment claims continue to trend down and average workweek hours are registering slight gains, a prerequisite to new hiring. Manufacturers orders, equity markets, and Treasury spreads are all exhibiting positive trends, as is consumer sentiment, though progress has been inconsistent. Public sector stimulus will drive economic growth through thefirst half of 2010, but both housing and manufacturing are finally exhibiting broad positive trends which should help spur a sustainable expansion by m i d -2010. Housing markets are stabilizing, supported by low mortgage rates, record housing affordability, and the first -time home buyer tax credit. Home sales volume is up substantially across all regions of the country, existing home sales are up over 40% from last year and are at the strongest pace in almost three years. Home prices appear to be bottoming, though an expected increase in foreclosures in coming months will test these levels. Case - Shiller data through the third quarter 2009 indicates that home prices are increasing at an annualized 7.7% pace, still about 30% below peak levels. Manufacturers are reporting increasing orders and are ramping up production (especially the tech sector) to replenish thin inventories and accommodate overseas demand for US goods. Industrial production has increased for six consecutive months, trade flows are once again increasing, and manufacturers'surveys are largely positive across the country for the first time in years (the Richmond Fed regional survey being the loan exception). The recovery is tenuous however, with both GDP growth and employment having yet to post strong gains characteristic of a sustainable economic recovery. This is underscored by a downward revision to third quarter GDP from 2.8% to 2.2% annualized real growth rate.The revision reflects weaker business investment, consumer spending and inventories than initially Monthly Job Losses Have Slowed 400 200 0 -200 -400 -600 -800 2007 2008 Source: Bureau of Labor Statistics 2009 2010 Another "Jobless" Recovery y 6 o` 4 s 3 2 0 0 N 2 3 -4 C C -6 -8 ■ GDP Employment i T Forecast i i 2007 2008 2009 2010 2011 Source: Cornerstone, Economy.com reported. Employment markets remain weakeven asjob losses are easing. December's (preliminary) initial jobs estimate of - 85,000 follows a slight 4,000 job gain in November. Average monthly job losses have fallen from almost 700,000 in the first quarter to less than 70,000 in the fourth quarter, with service sector jobs beginning to post growth. Census Bureau plans to hire about one million temporary workers through the second quarter will boost and distort the jobs reports over the next few months, but underlying trends do support positive momentum. Progress will be painfully slow though and labor markets will remain slack through 2010. Unemployment will remain a challenge. The current headline 10% unemployment rate held steady in December, with the broader U -6 unemployment rate over 17 %, indicating that over 15 million workers are now unemployed (or underemployed). Consumer sentiment has stabilized but has yet to improve significantly, weighed down by the weak labor market and stressed household finances. Real Estate Capital Markets While value declines continued in the fourth quarter there is increasing evidencethat prices are approaching a cyclical bottom. The broad -based Moody's /REAL monthly repeat sales price index fell another 1.5% in October, a much slower pace of decline following September's -3.9 %. Through October, the index is down 36.48% year - over -year and 43.7% since peaking in October 2007. The more narrowly focused Transaction Based Index (TBI), produced by the MITCenterfor Real Estate and derived from sales of properties from the NCREIF index, suggests that institutional property prices may have hit bottom in the second quarter, as the index moved up 4% in 3Q09. Fourth quarter NCREIF data has yet to be released but the NPI has exhibited a slower rate of decline recently with the third quarter's -4.9% appreciation return and -26.7% change in values over the past year. We anticipate another two quarters of increasingly slower value write -downs as softer property market fundamentals impact property incomes and impact underwriting assumptions. Cornerstone Real Estate Advisers LLC 6 CORNERSTONE PATRIOT FUND Transactions markets remain slow but show some encouraging signs of increasing activity, with stabilized core property offerings attracting plenty of investor interest. As noted previously, the steep pricing discounts many were expecting to unfold over the course of the past year appear more unlikely with significant pent -up demand for quality assets in top tier markets (and even in second tier markets). Real Capital Analytics data for November showed a seasonal slowdown to just $3 billion, 27% off the same month last year, but preliminary reports suggest a rebound in December with the market poised for markedly higher sales activity in 2010. The new issue commercial mortgage- backed securities (CMBS) market also showed encouraging, early signs of life in the fourth quarter as three new issue CMBS deals came to market and for the most part were well received by bond investors. All three deals were simple, transparent, carefully and conservatively rated, single borrower - single loan deals. In all three cases, a relatively low LTV loan, cross collateralized by multiple properties, was carved into a small number oftranches, with the notable absence of a "B- piece" in any of the deals so far. The lowest rated tranche in the first deal was rated A, while the second two CMBS issues both had BBB- tranches; investors oversubscribed to the AAA tranches and needed to be induced with higher than anticipated yields to buy the BBB- bonds. The LTVs were all in the 50% range. Office Reflecting the slower pace of job losses nationally, office vacancy rose 20 basis points to 16.3% in the fourth quarter reaching its highest level since mid -2004. Nationally, downtown vacancy rose 30 basis points to 12.5 %, and suburban vacancy was up 20 basis points to 18.4%. Office vacancy is forecast to continue rising at a slow rate over the next eighteen months before peaking near 19% in mid -2011, with little support for rent growth until 2012. Notably, preliminary data for this most recent quarter shows slightly positive net absorption after three consecutive quarters of negative absorption, with relatively strong absorption in Washington DC as well as downtown Chicago, Charlotte, and Seattle. ManyTexas office markets are projecting occupancy gains 2009 Quarterly Absorption Trends Show Some Moderation in Demand Weakness (1st quarter through 4th quarter progression) 1.0% 0.5% 0.0% -0.5% -1.0% -1.5% Dallas Orange Raleigh San Washington County Francisco DC Source: CBRE Econometric Adcisors this year, with the nation's largest markets (New York, Washington DC, Chicago and Los Angeles) following in 2011. Office markets in Florida, Atlanta and most Midwest markets are forecast to lag the national recovery. As monthly job losses diminish through 2010 rising office vacancy will increasingly be driven by new supply, especially in a few downtown submarkets where large office tower projects are completed through 2010. These late -cycle CBD projects delivered over 16 million square feet of new space in 2009 with another 25 million square feet still under construction, the most active markets being New York, Washington DC, Seattle, Charlotte and Miami. Relatively weak pre - leasing activity in New York and Miami could keep their downtown vacancies elevated for some time,whilethe other ma rkets'more vi bra nt em pl oyment forecasts suggests a faster office market recovery. Each of the Patriot Fund office markets are expected to reach peak vacancy rates this year, ahead of the national trend, and begin improving in 2011. Apartments 2010 will be a transitional year for the apartment market with overall occupancy stabilizing in concert with the labor market late in the year, followed by some support for slight gains in effective rents in the coastal barrier markets if the single family home market stabilizes as forecast. Slower job losses and deep rent discounts appear to be shoring up occupancies in many markets. Preliminary fourth quarter data from CBRE Econometric Advisers indicates US apartment market occupancy held steady again at 92.6 %, a hopeful sign that overall vacancy may be approaching a peak. This broad national occupancy rate however masks local trends. The 60 markets surveyed by CBRE /EA were almost evenly split between gains and losses for the quarter. Several California markets with lowvacancy (sub 5 %) reported improving conditions, including San Diego and all three Bay Area metros. With the supply pipeline closing, these are well positioned to burn off concessions once the labor market stabilizes in late 2010. In contrast, Los Angeles, Boston, Philadelphia and Washington DC all reported increased vacancy, consistent with the typical year- end trend. Among Patriot Fund markets, occupancy slipped in each during the quarter ranging from -0.3% in Boston to -1.8% in Philadelphia. Elsewhere, most of the major Florida markets (excluding Tampa), as well as Atlanta, Nashville and Memphis report improved occupancies though vacancy remains high in the 6% to 10% range, and with a lagging employment growth forecast these markets could remain challenged for some time. Texas markets suffered in the quarter as supply remained overactive. Industrial Demand for industrial space remained frozen at year -end and total availability jumped another 40 basis points to 13.9% in the fourth quarter to a record high. Market conditions may soon begin thawing however, with improved prospects for global trade and a nascent recovery in manufacturing, supporting our view that vacancy may be approaching its cyclical peak earlier than many forecasts suggest, though the sluggish nature of this Cornerstone Real Estate Advisers LLC 2010 PORTFOLIO PROFILE & STRATEGY recovery indicates vacancy will likely continue rising for a few more quarters. As with the apartment and hotel sectors, regional recover patterns are beginning to emerge. Improving trade flows, particularly with Asia, and tech manufacturing expansion will likely improve demand drivers in West Coast industrial markets this year. Fourth quarter data hints at this trend, with most California ports posting steady or declining availability rates. The California manufacturers' survey indicates both production and neworders up sharplytowardsyear -end, and the industrial supply pipeline is completely closed with virtually no new space under construction. Among the nation's other large industrial markets, Atlanta, Chicago, Dallas, and North New Jersey, all reported slight increases in availability at year -end. Retail The retail sectorwas hit hard early in the recession, and December sales data suggests consumers spending has bottomed. Total retail sales were up 2.3% (ex-gasoline and autos) year- over -year in December, the largest annual gain in over two years, with positive trends through most retail sectors. Holiday sales managed to finish 2009 slightly above expectations, recognizing we were in the midst of a crisis in confidence and collapsing retail sales just one year ago. The University of Michigan and Conference Board consumer confidence surveys both point to stable consumer sentiment over the third and fourth quarters, though weak labor markets, tighter credit market conditions and falling home values will continue to challenge consumers through most of 2010. Expectations are for moderate 3% growth in retail sales through this year. CBRE /EA estimates the year -end neighborhood and community shopping center vacancy rate increased 20 basis points to 12.5% at year -end. Relatively tighter market conditions prevail in the Bay Area, Los Angeles and greater New York metro area where average vacancy remains near or below 10 %. Midwest auto manufacturing centers in Ohio and Michigan reported the highest vacancies ranging from 16 %to 19 %. Among Patriot Fund markets, the preliminary fourth quarter data shows retail vacancy in Los Angeles and Washington DC both increased 20 basis points to 8.1% and 9.9% respectively. Softness was also evident Hotel Performance and GDP Growth Go Hand -in -Hand 15 T C M 10 3 O 5 In a E 0 � M CL 5 a>- D ` GDP Growth (Right) 10 GDP Forecast Occupancy Change (Left) V -15 0 in Oakland where vacancy was up 80 basis points to 9.7 %, and Chicago increased 30 basis points to 13.7 %. Improving over the quarter were Sacramento (down 40 basis points but remains high at 14.2 %) and Denver (down 20 basis points to 12.9 %). Hotels November data from Smith Travel Research shows easing year - over -year declines in occupancy and room rates, suggest hotel demand will bottom in early 2010.Overall year- to- dateoccupancy for the first eleven months of 2009 was 56.1 %, down from 61.7% last year. Room rates averaged $97.77, down 9.1% overall. As has been the case through the current downturn, rate declines are sharpest in the full- service segments, down almost 17% in Luxury and 12% in Upper Upscale chains, and occupancy in each remains near65% but is down 7% to 10 %. As seen in September's preliminary data, demand will likely begin to stabilize along with GDP growth by mid -year but room rates will remain soft in most markets at least into 2011. Weekly performance data from Smith Travel through December suggests increasing demand in a few markets which, if sustained into the new year, would represent evidence of firming market conditions. Washington DC continues to rank among the strongest of STR's "Top 25" markets with 66.6% year -to -date occupancy through November, the only "Top 25" market to post an occupancy gain, and the fourth highest year -to -date occupancy behind only New York (76.9 %), San Francisco (72.7 %), and Oahu (73.3 %). Of the major markets, occupancy declines through November averaged -6.1 %, and are steepest in Houston (- 11.7 %) and Detroit (- 11.2 %). Following the anticipated national economic recovery, overall hotel demand is forecast to stabilize in mid -2010 led by recovery in international "gateway" markets, with overall RevPAR forecast to decline 2% to 5% for the year. Summary Looking forward, the recovery is taking hold but remains at risk through the first half of 2010. Global growth and the weak dollar are helping support foreign trade and overseas demand for US manufactured goods, while public spending drives domestic growth. Financial markets are stabilizing but banks are reluctant to begin lending again, and - 10 consumers will remain cautious until job growth regains momentum late in the year. Consequently, commercial real estate markets face challenging 5 fundamentals, mounting financial stress (particularly leveraged owners with refinancing requirements), and further value declines early in 0 the year. However with supply growth essentially shut down, moderate job growth in 2011 should -5 tighten occupancies and provide support for some rent growth in the higher- occupancy barrier markets. -10 90 91 92 93 94 95 96 97 98 99 00 01 02 03 04 05 06 07 08 09 10 11 Source: Smith Travel Global, Economycom, Cornerstone Michael Gately, Managing Director Cornerstone Research Cornerstone Real Estate Advisers LLC CORNERSTONE PATRIOT FUND Description The Lakes of Schaumburg is a garden -style apartment complex containing twenty seven, two- and three -story buildings. The buildings are composed of brick veneer and wood siding exteriors with large atrium windows and cedar balconies with attractive grid -like lattice detail. Property amenities include two clubhouses, two outdoor heated pools, two fitness centers and a biking/jogging trail. The property is situated on a 29.95 - acre site, with surface parking for 985 vehicles (2.3 spaces/ unit). Units were recently upgraded with new oak cabinets and countertops. Location The property is located within the Village of Schaumburg, IL and offers a premium location close to all major highways including IL Route 53,1-355,1-290 and I -90 (toll) ■ O'Hare International Airport is located nine miles east and downtown Chicago is 26 miles northeast Investment Strategy The Lakes represents a core asset located in a mature, barrier submarket of northwest suburban Chicago (Schaumburg/ Hoffman Estates). The property is in good condition and should produce stable cash flow returns, however, has minimal upside potential. The property is targeted for sale to improve the portfolio asset base. Average Physical Occupancy 100% 90% 80% 70% 60% 88% 89% 89% 89% 87% Jk i 4Q08 1Q09 2Q09 3Q09 4Q09 Property Type Size Acquisition Date Acquisition Cost YE Market Value 2010 NOI Target/ Leverage Year Built Apartments 428 Units July 1, 2004 $38,300,000 ($90,000 /unit) $35,200,000 ($82,243/unit) Yield $2,713,765 / 7.7% None 1987 and 1988 2010 Key Objectives • Achieve average physical occupancy of 91% • Maintain property in sale -ready condition with a targeted sale in the second half of 2010 Market Highlights Job losses are moderating for Chicago's large, slow growth economy. 2010 will bring with it a modest improvement in the employment situation although the metro is likely to see another year of net average job loss. Unemployment is currently more than a percentage point above the national average and not expected to subside until 2011. The credit crisis has been particularly hard on the local banking and commercial real estate industries. In 2009, home price declines outpaced the national average, a sign that stabilization in the Chicago housing market could lag the national average. Chicago apartment occupancy has begun to creep upwards after six quarters of decline. Falling house prices, tax subsidies and low mortgage rates have enticed some would -be renters into home ownership, but the weak labor market remains a detriment to apartment demand. The multifamily supply pipeline is rapidly closing with completions falling more than 80% from 2008 levels. The apartment market should improve steadily through next year given the outlook for slowing job losses and less supply growth. The Schaumburg submarket, however, faces additional challenges as locally -based Motorola continues with corporate restructuring. Cornerstone Real Estate Advisers LLC 2010 PORTFOLIO PROFILE & STRATEGY Promenade Oaks is a 282 -unit garden -style apartment property that includes both flats and townhouses and has an average unit size of 1,210 sf. The project is located on a 30 -acre woodland site and has 563 parking spaces (2.0 spaces /unit) that include 29 garages, 421 underground spaces with direct access from units and 113 surface lot spaces. Unique to the submarket is the plaza level garden courtyards. Property amenities include a professional fitness center, outdoor pool and newly renovated clubhouse. The grounds include six ponds with walking paths, picnic areas and playground. Location • Located in Eagan, Minnesota, south of and equidistant to both Minneapolis and St. Paul • Easy access to local expressways (I -494, I -35E) • Located in walking distance to commuter bus stop Investment Strategy Promenade Oaks is a core apartment complex that is well - located with easy access to Minneapolis, St. Paul and the airport. The strategy is to increase economic occupancy by reducing concessions and increasing occupancy. Average Physical Occupancy 100% 90% 80% 70% 60% 90% 90% 91% 91% 87% 4Q08 1Q09 2Q09 3Q09 4Q09 Cornerstone Real Estate Advisers LLC Acquisition Date Acquisition Cost YE Market Value $43,425,000 ($154,000 /unit) $31,500,000 ($111,702/unit) 2010 NOI Target/Yield $2,226,364 / 7.1 % • Continue focus on increasing traffic and improving occupancy levels • Improve effective rents by reducing concessions • Complete waterproofing of the plazas and monitor for effectiveness Market Highlights The sharp economic contraction that followed the 2008 global financial crisis has eased for the Minneapolis -St. Paul metro economy with most employment sectors stabilizing, notably finance, business services and manufacturing; however, net job losses will continue through the first half of 2010, pushing the relatively low metro unemployment up another 20 to 30 basis points. Still, unemployment will remain well below the national average. With global export demand, consumer spending and financial markets coming off of cyclical (and record) lows, the city is as well - positioned for a solid economic recovery as any in the Midwestern Plains states. A milder recession locally has translated to better - than - average performance for the Minneapolis apartment market. Though it has softened over the past year, occupancy still ranks above the national average. The trajectory of occupancy and rents should turn by the middle of 2010 as net positive employment growth returns. While the Dakota County submarket historically has posted lower occupancy and rents, submarket performance should track with the broader Minneapolis market. Townhouse construction remains active in outlying communities within the submarket, although no competitive supply is underway in Eagan. Excess inventory of for -sale single - family homes will weigh on market performance through the near -term. 10 Description 2010 Key Objectives CORNERSTONE PATRIOT FUND Description Regatta Apartments is a garden -style property that consists of fifteen, three-story buildings and two, two-story buildings. There are also six townhouse clusters, with fourteen units offering a finished basement, unique to the submarket. The project is located on a 30.85 -acre site and is constructed of wood framing over concrete slab -on -grade foundations, with surface parking available for 584 cars (1.73 spaces /unit). The exterior consists of a combination of stone and vinyl siding, with architectural grade shingles and metal roofing. Key amenities include controlled access buildings and nine -foot ceilings, gas fireplaces in select units, a 6,000 sf clubhouse and leasing center, outdoor pool and sundeck, and business and fitness centers. Location Easily accessible to regional transport network including 1-476,1-276,1-76, Route 202 and the Germantown Pike • Located twenty miles northwest of downtown Philadelphia • Philadelphia International Airport is approximately nineteen miles to the southeast Investment Strategy Regatta Apartments is a core property located in a Northeast barrier market. The strategy is to increase effective rents through a combination of rent increases and concession reductions. Average Physical Occupancy 100% 90% 80% 70% 60% 94% 96% 93 /o 0 95% 92% 4Q08 1Q09 2Q09 3Q09 4Q09 Property Type Size Acquisition Date Acquisition Cost YE Market Value 2010 NOI Target/ Leverage Year Built Apartments 338 Units February 10, 2005 $58,000,000 ($172,000 /unit) $42,100,000 ($124,556/unit) Yield $2,989,229 / 7.1 % $35,000,000, 4.7 %, maturity: 01/11 2004 2010 Key Objectives • Achieve an average occupancy of 93.5% and net effective rents of $1,325 per unit • Track the competition closely to help manage both the occupancy and concession levels • Control operating expenses and achieve savings where possible Market Highlights Philadelphia's economy is approaching a bottom and is expected to resume modest growth in 2010. The local recession has been mild compared to the rest of the nation, a 3.2% loss in peak employment for the metro versus a 5.2% loss for the nation thus far. The metro economy is mature, stable and slow - growing. By virtue of those characteristics, it outperformed as the nation fell into the recession, but will likely lag the nation — or more optimistically, perform on par with the nation — through the recovery. The apartment market continues to maintain a higher occupancy than the US average, although it has declined by more than 2% from its recent peak. An improvement in occupancy could begin as early as the first quarter of 2010. The Norristown submarket experienced a sharp drop in occupancy and rents over the past year brought on largely by recent construction in adjacent submarkets. With the supply pipeline for the market and the submarket closed, apartment performance should recover, albeit at a slow pace given the modest job growth forecast. Cornerstone Real Estate Advisers LLC 2010 PORTFOLIO PROFILE & STRATEGY Description The Ridge is a garden -style apartment complex that consists of seven, three- and four -story buildings and a clubhouse. The property contains 66 -units that are designated as affordable, available to residents earning up to 80% of the MSAs median income. The Ridge is located on a 22.6 -acre site and is constructed of wood framing over concrete slab -on -grade foundations. The exterior consists of a combination of brick and vinyl siding. Ample parking is available with spaces for 452 cars (1.71 spaces /unit), including 42 attached and 35 detached garages. Key amenities include a clubhouse with a fitness center, business center and a resort -style outdoor swimming pool. Location - Centrally located between I- 95/Route 128 loop, Route 2 and the Massachusetts Turnpike • Located approximately nine miles west of Boston • Route 128 west office submarket, one of Boston's larger suburban submarkets Investment Strategy The Ridge is a Class -A core apartment property located in an in -close barrier - market Boston suburb. The long -term strategy for this property is to capture a solid income return with a potential for rent appreciation. Average Physical Occupancy 100% 96% 97% 93% 95% 91% 90% 80% 70% 60% 4Q08 1Q09 2Q09 3Q09 4Q09 Acquisition Date Acquisition Cost February 28, 2006 2010 NOI Target /Yield$3,533,416 /6.8% 2010 Key Objectives $45,000,000, 5.8 %, maturity: 03/17 • Achieve average annual occupancy of 96% • Improve net effective rents on renewals • Effectively manage operating expenses Market Highlights Both the Boston economy and apartment market appear to be stabilizing, setting the stage for a recovery in the second half of 2010. Occupancy and effective rents in the third quarter both edged up from mid -year. These are encouraging signs, though they were helped by seasonal factors. New supply remains a near -term challenge to apartment occupancy and rents, but construction activity is set to drop significantly in 2010 and occupancy should remain well above the national average, making Boston one of the better positioned markets for recovery. The recession in Boston has been milder than that the national trend. Total employment on a seasonally adjusted basis has held steady for several months. The hard hit professional/business services sector has stabilized and job losses in the financial sector have slowed significantly; however, the public sector is stepping up layoffs and the ongoing contraction in consumer spending will continue to weigh on the economy. Boston is forecast to see further job losses into the first half of 2010, but the pace should remain milder than that in the nation. Initial job growth in late 2010 and 2011 in Boston is expected to be subdued due to this market's exposure to the financial sector and state budget woes, which pose some downside risks. Cornerstone Real Estate Advisers LLC 12 CORNERSTONE PATRIOT FUND r ' a A f f l . rr. M. Description Hamilton Crowne Plaza is a fourteen -story full - service business class hotel, originally designed and built in 1922 as The Hamilton hotel. It traded as The Hamilton until the mid- 1960's when it was converted to an office building. The property was restored to a hotel in 1995. The hotel has excellent access and visibility and overlooks Franklin Square Park on the south side. The property is held in a lessee /lessor structure. Amenities include a full - service restaurant, lounge, Starbucks, a health club and 8,000 sf of flexible meeting space, with an additional 12,000 sf available at the adjacent Almas Temple. Location • Corner of 14th and K streets, in the heart of downtown Washington DC • 14th and K are significant arteries in DC, home to major law firms, national associations and government buildings • Six blocks from White House, four blocks from Conven- tion Center and four miles from Ronald Reagan Washington National Airport • Within walking distance to major tourist attractions and one block from the Metro Investment Strategy The Hamilton Crowne Plaza is a core asset well located in the East End CBD submarket of Washington DC, convenient to both corporate and leisure demand generators. The hotel has a solid operating history and the Washington DC hotel market is arguably one of the strongest in the nation. With high barriers -to- entry, additional supply is likely to be limited. In addition, owner- oriented franchise agreements allow an unencumbered disposition strategy. The investment strategy is to take advantage of the hotel's strong annual cash flow, while over time benefiting from room rate and occupancy increases, while focusing on expense management. Property Type Size Acquisition Date Acquisition Cost YE Market Value 2010 N01 Target/ Leverage Year Built Hotel 318 rooms July 1, 2004 $59,000,000 ($186,000 /room) $82,300,000 ($258,805/room) Yield $5,642,886/6.8% (before reserves) None 1922 (major update 2001) 2010 Key Objectives • Attain a $4.8 million NOI and increase RevPAR penetration index to 95% versus the competitive STR set • Increase catering revenues through both corporate group and social markets ■ Leverage new "face- lift" of 14K Restaurant to enhance the already strong $3.2 million revenue ■ Continue the appeal process for Hamilton Crowne Plaza's assessed value Market Highlights The Washington DC economy continues to experience a mild recession with total employment down 1.2 %, and unemployment up from 3.9% to 6.2 %, over the past year. Both job market readings remain far better than the national averages, due to continued strong federal government hiring. We forecast that the metro area job market will stabilize ahead of the nation, and begin to see some growth, albeit slow, in 2010. A healthy labor market recovery in line with the nation is expected for 2011. One of the top performing hotel markets in the nation, Washington DC has seen year -to -date occupancy, ADR and RevPAR fall by less than half of the Top 25 market average. With trailing occupancy down by less than 4% compared to close to 10% for national average, the DC market is expected to be one of the first where operators can begin pushing rates. The market is well - positioned for recovery, but an active supply pipeline remains a significant challenge. Within the District itself, new supply has been predominantly extended stay product. 2009 Average Physical Occupancy 100% 90% 80% 70% 64% 60% 4Q08 82% 1Q09 2Q09 3Q09 4Q09 13 Cornerstone Real Estate Advisers LLC 201 PORTFOLIO PROFILE & STRATEGY Description YE Market Value I'� 2010 NOI Target /Yield Leverage Year Built (" Valued but not included in 20� 2010 Key Objectives $26,000,000 ($51 /sf) ($514,337) / -2.0% None 2010 )9 year -end assets pending acquisition A development joint venture with Birtcher Development Company for an 18 building industrial park totaling 505,100 sf. The buildings range from approximately 7,000 to 48,000 sf. Location ■ Near the intersection of Bellegrave Avenue and Van Buren Boulevard • Within 1.5 miles of the Van Buren Boulevard access to High- way 60 and approximately 2.5 miles east of Interstate 15 • Seven Miles southeast of Ontario Airport Investment Strategy Bellegrave is near completion with minimal pre - leasing. The near -term strategy is to complete the initial lease -up of the project. Upon stabilization, the long -term strategy is to maintain strong occupancy and grow income value. • Acquire property in first quarter • Aggressively lease available space • Evaluate all expenses for potential swings Market Highlights Riverside warehouse market fundamentals remain challenged in the near -term but are expected to strengthen as the national recovery gains momentum over the next two years due to its proximity to the supply- constrained Los Angeles/Long Beach warehouse markets. For now, supply growth is slowing though excess space will continue to outpace falling demand. Cornerstone Research forecasts that the market will soften further through 2011. Recovery in the Riverside warehouse market is dependent on the return of consumer demand nationally. The subject property is located in the Riverside submarket, the largest in the metro area with 113 million square feet. As is the case throughout Riverside County, the submarket supply pipeline has outpaced demand in the past few years. Submarket availability in the third quarter was 19.2 %, up sharply from single digit levels that had been the norm for much of the previous fifteen years. New construction in the submarket has finally slowed to historically low levels and will remain low through our forecast period. Cornerstone Real Estate Advisers LLC 14 Acquisition Date 1Q 2010 Acquisition Cost $50,900,000 CORNERSTONE PATRIOT FUND Description Crossroads Distribution Center is a two - building industrial project situated on a 19.14 -acre site, including approximately 10 acres of vacant land. The buildings are constructed of architectural tilt -up concrete, have an energy efficient R14 -roof system, and can accommodate 16,000 - 117,000 sf tenants. The property contains 388 surface parking spaces. Building 100 has 250 foot bay depths, 30 -foot clear height, 47 docks and two grade level doors. Building 200 has 200 foot bay depths, 24 -foot clear height, and 44 docks. Location Easily accessible via Peachtree Industrial Boulevard, Route 141, Route 120, I -85, I -285 and I -985 ■ Hartsfield- Atlanta International Airport is twenty -seven miles southwest and Dekalb- Peachtree Airport is ten miles southwest Investment Strategy Crossroads Warehouse is a well - constructed asset in a solid in- fill location. A large tenant (91,221 sf) vacated on 12/31/09, and upcoming vacancies in 2010 necessitate stabilization of the rent roll. A value enhancement strategy also exists in which an additional building may be built on the remaining 10 acres or a build -to -suit may be evaluated. Leasing 100% 90% 80% 70% 60% I� 100% 100% 100% 100% Size Acquisition Date Acquisition Cost YE Market Value 2010 NOI Target/ Leverage Year Built 322,780 sf /10.1 acres July 1, 2004 $12,500,000 ($39 sf) /$6,200,000 $14,850,000 ($46/sf)/$1,500,000 Yield $806,503 / 5.4% (Industrial) None 2001 2010 Key Objectives • Focus on renewal of two leases expiring in 2010 • Concentrate marketing efforts on leasing the existing and future vacancies ■ Continue to market the remaining 10 acres for anew building or build -to -suit opportunity Market Highlights The Atlanta metro economy remains in the midst of a deep and pervasive recession. Unemployment exceeds the national rate though the pace of job losses appears to be easing. Atlanta has lost nearly 8% of payroll employment from its peak compared to 5.2% for the nation. All sectors of the metro economy have been impacted, and Atlanta's recovery is forecast to lag the nation. Construction, finance and manufacturing, some of the earliest and most severely impacted sectors, are just beginning to show signs of stabilization. Rising unemployment and tight household credit conditions have led to a contraction in consumption, and demand for Atlanta industrial space has been sharply impacted as a result. 2009 net absorption has fallen by 17 million square feet, the most severe decline on record. Industrial fundamentals are not expected to improve until 2011. The Northeast I -85 corridor submarket has in recent years outperformed the market, and with the submarket supply pipeline essentially closed the submarket should continue to outperform as the recovery gains traction. Cornerstone Real Estate Advisers LLC nUPUILY IYPU 111UU3u1auL.a11u 4Q08 1Q09 2Q09 3Q09 4Q09 2010 PORTFOLIO PROFILE & STRATEGY Description Pureland VI is a single tenant industrial warehouse /distribution building situated on 77.3 acres in the Pureland Industrial Complex in Bridgeport, NJ (Philadelphia MSA). The building is constructed of metal seamed panels with masonry block lower section. The building, built in 1991, features 25 -foot clear heights, 50 dock high trailer positions and two ground level truck doors. Pureland VI accommodates 246 vehicles (0.4/1,000) with parking for 91 trailers. Location Excellent access to New York City, Northern New Jersey, Philadelphia and Baltimore/Washington markets ■ 12 miles Southeast of Philadelphia ■ Near I -295 Exit to interchange Investment Strategy Pureland VI is a strong core asset 100% leased to a credit tenant until mid -2013. The property is located in a mature warehouse market with excellent access to regional highway systems and major markets. Included with this investment is the possible opportunity to enhance returns with a 172,000 sf expansion. Leasing 100% 90% 80% 70% 60% 100% 100% 100% 100% 100% 4Q08 1Q09 2Q09 3Q09 4Q09 Property Type Size Acquisition Date Acquisition Cost YE Market Value 2010 NOI Target/ Leverage Year Built Industrial 597,232 sf September 30, 2008 $28,550,000 ($48 /sf) $23,200,000 ($39 /sf) Yield $2,351,956 / 10.1 % $14,165,725, 6.0 %, maturity: 08/18 1991 2010 Key Objectives • Complete preliminary work needed for a possible future expansion • Continue dialogue with tenant regarding a possible expansion and lease extension • Track the tenant's financial stability, currently A2 -rated by Moody's Market Highlights The Philadelphia industrial market continued to deteriorate at a fast pace through the third quarter 2009, though negative net absorption moderated over the past two quarters. The overall recession is relatively mild in Philadelphia, but dismal performance of the construction, manufacturing and retail sectors does not bode well for industrial space demand. Cornerstone Research forecasts that the market will continue to struggle into the first half of the 2010 and begin to stabilize later in the year with the local economy. Initial market recovery in 2011 is expected to be slow. The greater Philadelphia economy, including Camden, NJ and Wilmington, DE, is suffering a broad -based recession, led by double digit decline in construction jobs. Manufacturing has suffered a structural decline in the area and the pace of contraction quickened to above 6% year- over -year. Total employment is forecast to stabilize around mid 2010. Employment recovery is forecast to be sluggish in 2011 before gaining traction in 2012. Cornerstone Real Estate Advisers LLC 16 CORNERSTONE PATRIOT FUND Description San Fernando Business Center is a five - property industrial investment totaling 590,570 sf on 28.1 acres of land in San Fernando, CA. The concrete tilt -up industrial buildings on seven separate parcels, were completed in 1989. The buildings range from 71,000 to 147,000 sf. There are 1,085 parking spaces for a parking ratio of 1.8 spaces per 1,000 sf. The project contains 47 dock -high loading doors and 94 dock loading positions with ability to install monument signage. Location ■ The property is located at the corner of 8th Street and Arroyo Street • Convenient access to the I -210, SR -118, I -5 and I -405 Freeways • Located in the East San Fernando Valley industrial submar- ket of Los Angeles Investment Strategy San Fernando Business Center is a core asset located in an infill industrial location, in a stable market, within the confluence of four major freeways. The property is in good physical condition and is currently valued below replacement cost and 100% leased. This high quality asset should deliver above average returns over the next several years. Leasing 100% 90% 80% 70% 60% 93% 93% 88% 88% 100% Property Type Size Acquisition Date Acquisition Cost YE Market Value 2010 N01 Target/ Leverage Year Built Industrial 590,570 sf August 22, 2008 $69,000,000 ($117/sf) $56,200,000 ($95 /sf) Yield $4,293,259 / 7.6% None 1989 2010 Key Objectives • Continue to establish good working relationships with tenants • Address deferred maintenance issues as necessary Market Highlights Los Angeles is the second largest warehouse market in the nation, with demand driven by trade flows through the ports of Los Angeles and Long Beach. Availability in the market spiked 330 basis points to 9.6% over the past four quarters, but Los Angeles remains among the tightest industrial markets by merit of relatively high barriers to new supply with new supply growing less than 1% annually in recent years despite tight market conditions. New construction is at its lowest level since the 1990's. We forecast this market will continue to soften through next year, but remain strong relative to the nation. Recovery in the warehouse market towards the latter half of 2010 is dependent on the return of consumer demand nationally. Cornerstone Research forecasts the Northeast Valley, which is part of the San Fernando Valley group of submarkets, will continue to outperform the Los Angeles market. Vacancy in the Northeast Valley is currently 7.2 %. 17 Cornerstone Real Estate Advisers LLC 4Q08 1Q09 2Q09 3Q09 4Q09 2010 PORTFOLIO PROFILE & STRATEGY Description Townsend Distribution Center consists of three LEED gold - certified industrial warehouse buildings totaling 397,934 sf that were constructed in 2008. The buildings are located on two near - adjacent sites within the Townsend Business Park in Fairview, Oregon. The property has an above - market parking ratio of 0.83 per 1,000 sf. Location ■ Less than one mile from Interstate 84 • Approximately 16 miles east of Downtown Portland • Approximately 12 miles east of Portland International Airport Investment Strategy Townsend Distribution Center was completed in summer 2008 with no pre - leasing. The near -term strategy is to complete the initial lease -up of the project. Upon stabilization, the long -term strategy is to maintain the buildings in excellent condition, sustain strong occupancy, and grow income and value. Leasing 100% 80% 60% 40% 20% 11% 0% 0% 0% 0% 0% 4Q08 1Q09 2Q09 3Q09 4Q09 Property Type Size Acquisition Date Acquisition Cost YE Market Value 2010 NOI Target/ Leverage Year Built Industrial 397,934 sf August 13, 2008 $24,400,000 ($61 /sf) $14,800,000 ($37 /sf) Yield $(385,653) / -2.6% None 2008 2010 Key Objectives • Aggressively lease available space • Finalize lease -terms with two prospective tenants to occupy approximately 70,000 sf • Achieve effective gross revenue of $305,000 Market Highlights Availability increased 310 basis points from prior year levels in the Portland warehouse market, due to decreased import and export activity, and weak consumer demand; however this market remains one of the tightest in the nation, and we forecast it will continue to outperform the nation due to its strong transportation sector, supported by the Port of Portland, rails, and highway system. The long -term economic outlook for Portland remains positive due the area's tech sector and its favorable migration trends. Over the past few years, warehouse development has been concentrated in the subject's Northeast submarket. Submarket inventory increased 16% over the past two years, and large spec space has been slow to lease. Currently, one project is under construction in the submarket: a 415,000 square feet FedEx distribution center. Cornerstone Real Estate Advisers LLC 18 CORNERSTONE PATRIOT FUND Description The Atrium consists of two, ten -story office buildings connected by an enclosed atrium. The steel- framed twin -tower structure has one level below grade and is accompanied by a five -level parking garage, with parking for 1,036 vehicles and surface parking for 153 vehicles. The project is located on a 6.23 - acre site and features a green slate exterior. The asset is one of the premier buildings in the submarket, with a four -star restaurant (Bistango) and other retail and banking amenities. Several tenants have private exterior terraces overlooking the courtyard. Location r+ Less than one mile south of I -405 (San Diego Freeway) and one mile north of Route 73 • Within Orange County's desirable Airport Area submarket • Less than one -half mile east of John Wayne /Orange County Airport Investment Strategy The Atrium is a class A office building located in Orange County, which has recently experienced softness due to the mortgage crisis and the recession. The strategy for this asset is to stabilize the rent roll and position the property to take advantage of the expected recovery. Leasing 100% 90% 80% 70% 60% 19 Property Type Size Acquisition Date Acquisition Cost YE Market Value 2010 NOI Target/ Leverage Year Built Office 291,612 sf July 1, 2004 $68,100,000 ($236/sf) $60,100,000 ($206 /sf) Yield $1,477,771 / 2.5% None 1986 2010 Key Objectives • Aggressively market available space • Keep open communications with existing tenants • Evaluate all expenses for savings Market Highlights The recession began early in Orange County, reflecting the local concentration of residential mortgage and housing related employers, and by many measures has been worse in California. Local employment is expected to stabilize in early 2010 and slow job growth will return in the second half of next year. Job losses in financial services, which have declined 30 %, have leveled off. More recently, weakness is evident in the leisure/hospitality and manufacturing sectors. While the job market struggles, Orange County's demographic trends remain favorable over the longer -term with population and households expected to grow 1% annually over the next five years, matching the national average. Office demand began weakening in late 2006 as the national housing market collapsed. This office market is still among the weakest in the nation, and vacancy is near 20 %, a level not seen here since 1992. The supply pipeline, which has been very active in the past few years, has effectively shut down. Cornerstone Research forecasts the market will stabilize along with employment in 2010, with rent growth returning in 2012. The Airport Complex Submarket is the largest in Orange County with 12.8 million square feet and ranks among the weakest. Vacancy was 22.2% in the third quarter, and sublease space has become a significant factor pushing the overall availability rate near 30 %. Cornerstone Real Estate Advisers LLC 4Q08 1Q09 2Q09 3Q09 4Q09 2010 PORTFOLIO PROFILE & STRATEGY 1 - _ W E- T _ -. 71 Property Type Size Acquisition Date Acquisition Cost YE Market Value 2010 NOI Target/ Leverage Year Built Office 189,884 sf October 1, 2007 $68,500,000 ($361/sf) $38,400,000 ($210 /sf) Yield $5,359,296 / 14.0% None 1978 Description Bayhill I & II is a two building office complex located in San Bruno, California in a park -like setting. Bayhill I is six stories and totals 92,300 sf. Bayhill II is three stories plus basement and totals 97,584 sf. The two office buildings are concrete frame construction with an exposed concrete finish. Both buildings have updated lobbies with marble floors, recessed lighting and modern contemporary finishes and furniture. Bayhill I & Bayhill II have an average floor plate size of 16,000 sf and 26,000 sf, respectively. The property has 614 surface parking spaces (3.2 spaces /1,000 sf). Location - Ten minutes from San Francisco International Airport and 20 minutes from downtown San Francisco • Easy access from interstates 280, 380 and 101 • Walking distance to a variety of restaurants and shops Investment Strategy Bayhill I & II is a core asset situated within a historically stable market. The property is in good physical condition and is currently valued below replacement cost. The property is 100% leased to the Gap at above market rents through June 2012. The property is a strong cash flow performer for the Fund. Leasing 100% 90% 80% 70% 60% 2010 Key Objectives • Continue to maintain a strong relationship with the Gap • Monitor Gap Financials, currently BB+ by Standard & Poor's • Continue to establish relationships with the Gap's subtenants, to target viable candidates for direct leases upon the expiration of the Gap lease • Continue phased implementation of multi -year plan to address deferred maintenance issues identified at acquisition Market Highlights Although the San Francisco office market has deteriorated in the current recession, it remains one of the tightest in the nation, and the strongest market in California, despite having to deal with 2.4 million square feet of new office space delivered in 2008 (a 2.8% increase in stock, the highest level since 2002). Cornerstone Research forecasts San Francisco will be an early recovery market, with office vacancy stabilizing in 2010 and rent growth following in 2011, due to both improving leasing fundamentals and limited new supply. The finance sector, which began shedding jobs in 2007, appears to have stabilized already, though the professional/business services sector should do so until 2010. San Bruno/Millbrae is a small submarket with one million square feet, all built prior to 1990. Vacancy in the submarket is currently 16 %, below the 18.5% vacancy rate in the total San Francisco Peninsula group of submarkets. While vacancy can be volatile given the small size of the submarket, and topped 30% in the last recession, the combination of stabilizing demand fundamentals and no new construction suggest that a surge in vacancy is unlikely. Cornerstone Real Estate Advisers LLC 20 4Q08 IQ09 2Q09 3Q09 4Q09 CORNERSTONE PATRIOT FUND �A■>j� 141 Iva= 1011 Description Chevy Chase Plaza is an eight -story office building constructed of steel and poured -in -place concrete with a granite and architectural precast concrete exterior with tinted glass spandrels. The building is situated on a 0.60 -acre site and has three levels of underground parking (1.5 spaces /1,000 sf) and street -level retail. The property is located in the prestigious Chevy Chase shopping area and is connected to the Metro and area shopping via an underground tunnel. Location • Located five miles northeast of the Washington DC CBD • Within two blocks of Chevy Chase Metro stop • Twenty minutes northwest of Ronald Reagan Washington National Airport Investment Strategy Chevy Chase Plaza is a core investment located in a prime location in the Washington DC submarket. The building's occupancy has remained steady at close to 100% since its 2004 acquisition. The current strategy is to maintain the high quality of the asset. Leasing 100% 90% 80% 70% 60% 21 Property Type Size Acquisition Date Acquisition Cost YE Market Value 2010 NOI Target/ Leverage Year Built Office 171,206 sf July 1, 2004 $53,800,000 ($314/sf) $54,600,000 ($325/sf) Yield$4,095,888 / 7.5% $35,000,000, 5.4 %, maturity: 02/16 1989 2010 Key Objectives • The property is operationally stable and there are no major capital or tenant - related events projected for 2010 • Continue to focus on increasing the operational efficiency of the building in 2010 Market Highlights The Washington DC office market saw negative net absorption drop sharply over the past two quarters, raising hope that space demand is stabilizing. New supply, however, is active and continues to push vacancy steadily up. This will remain a significant challenge to the market through 2010, especially in the District. Vacancy is likely to rise well into 2010 as the pipeline clears out the last block of speculative new supply in this cycle; however, the market should maintain vacancy well - below the national average and lead the nation in recovery. The Washington DC economy continues to experience a mild recession with total employment down 1.2% over the past year and unemployment up from 3.9% a year ago to 6.2 %. Both these job market readings remain far better than the national averages, thanks to continued strong federal government hiring. Cornerstone Research forecasts that the metro area job market will begin to see some growth, albeit slow, in 2010, ahead of the nation. A healthy labor market recovery in line with the nation is expected for 2011. Cornerstone Real Estate Advisers LLC 4Q08 1Q09 2Q09 3Q09 4Q09 2010 PORTFOLIO PROFILE & STRATEGY 1 Description Colonnade II is a five - story, Class A office building containing a total of approximately 127,000 net rentable sf. The building mirrors an existing adjacent building and features an attractive, decorative facade of concrete and glass. There is a surface parking ratio of 3.5 per 1,000 sf. The two -story atrium contains high -speed elevators, patterned granite floors and high -end interior finishes. Location • The property is located on Six Forks Road, a primary artery linking the Northern suburbs with downtown Raleigh • Located one -half mile from the I -540 loop Investment Strategy Colonnade II was acquired as a forward commitment development joint venture investment with the developer. The strategy is to complete the lease -up and hold for a moderate - term. Leasing 100% 75% 50% 25% 0% 4Q08 1Q09 2Q09 3Q09 4Q09 Property Type Size Acquisition Date Acquisition Cost YE Market Value 2010 NOI Target/ Leverage Year Built Office 126,926 sf May 22, 2008 $17,165,088 ($135/sf) $12,075,000 ($95 /sf) Yield $(233,548) / -1.9% None 2008 2010 Key Objectives • Aggressively lease available space • Finalize 16,000 sf lease currently under negotiation • Effectively manage operating expenses during lease -up period Market Highlights Raleigh's economy stabilized in the second quarter of 2009, ahead of the nation. The metro area's government, education and health care sectors even added jobs through the recession. The business services and technology sectors showed signs of rebounding in the last quarter of 2009. These encouraging developments help pave the way for stronger payroll gains by the middle of 2010, positioning Raleigh as one of the job growth leaders among major markets. An oversupply of commercial and residential real estate and ongoing restructuring among the area's major employers will weigh on the metro economy in the near -term. The Raleigh office market is holding up much better that it did in the aftermath of the 2001 recession and "tech wreck" when market vacancy skyrocketed to over 25 %. This time, vacancy should peak close to 16% before falling again, a testament to the degree to which the market has diversified and matured since the previous cycle; however, recently delivered and underway development, especially in the Six Forks and the Research Triangle submarkets, has created a near -term supply and demand imbalance. Cornerstone Real Estate Advisers LLC 22 0% 9% 9% 9% 9% 4Q08 1Q09 2Q09 3Q09 4Q09 Property Type Size Acquisition Date Acquisition Cost YE Market Value 2010 NOI Target/ Leverage Year Built Office 126,926 sf May 22, 2008 $17,165,088 ($135/sf) $12,075,000 ($95 /sf) Yield $(233,548) / -1.9% None 2008 2010 Key Objectives • Aggressively lease available space • Finalize 16,000 sf lease currently under negotiation • Effectively manage operating expenses during lease -up period Market Highlights Raleigh's economy stabilized in the second quarter of 2009, ahead of the nation. The metro area's government, education and health care sectors even added jobs through the recession. The business services and technology sectors showed signs of rebounding in the last quarter of 2009. These encouraging developments help pave the way for stronger payroll gains by the middle of 2010, positioning Raleigh as one of the job growth leaders among major markets. An oversupply of commercial and residential real estate and ongoing restructuring among the area's major employers will weigh on the metro economy in the near -term. The Raleigh office market is holding up much better that it did in the aftermath of the 2001 recession and "tech wreck" when market vacancy skyrocketed to over 25 %. This time, vacancy should peak close to 16% before falling again, a testament to the degree to which the market has diversified and matured since the previous cycle; however, recently delivered and underway development, especially in the Six Forks and the Research Triangle submarkets, has created a near -term supply and demand imbalance. Cornerstone Real Estate Advisers LLC 22 CORNERSTONE PATRIOT FUND 11 1 14 11111 11���� ' y Ill llllllii : �' I�Illlllluu� Ill�uu�lu�� i 111111uri �'� lil�l Description Spear Street Terrace is an 18 -story office building located in downtown San Francisco. Building floor plates range from 14,000 sf to 16,500 sf, many with exceptional bay views. The building construction is steel frame with pre -cast concrete faced with red -gold brick panels with a landscaped courtyard, and private landscaped terraces on the 6th and 18th floors. The building is situated on a 0.50 -acre site and contains underground parking for 76 vehicles and surface parking for 25 vehicles (0.4 spaces /1,000 sf). Ground floor retail includes Starbucks. Numerous restaurants, shops and service retail are located within 1 -2 blocks. Location • Easy access to local freeways and the Bay Bridge • BART, trans -bay ferries, local and regional bus services are all within walking distance • Within close proximity to both San Francisco and Oakland International airports Investment Strategy With its spectacular bay views and South Financial District location, Spear Street Terrace is an exceptional asset with the potential for long -term growth. The property is in excellent physical condition and is currently valued below replacement cost. This high quality asset should be well - positioned coming out of the recession. Leasing 100% 90% 80% 70% 60% 4Q08 ,; Property Type Size Acquisition Date Acquisition Cost YE Market Value 2010 NOI Target/ Leverage Year Built Office 246,563 sf July 1, 2004 $69,700,000 ($283/sfJ $76,700,000 ($311 /sfJ Yield $5,268,178 / 6.9% None 1985 2010 Key Objectives ■ Aggressively market available space for lease and negotiate lease renewals to maximize revenue • Achieve rental rates of $33 to $40 psf depending on floor location and views from specific suites • Continue cost control focus; reduce operating expenses 0.8% from 2009 actuals Market Highlights Although the San Francisco office market has deteriorated in the current recession, it remains one of the tightest in the nation, and the strongest market in California, despite having to deal with 2.4 million square feet of new office space delivered in 2008 (a 2.8% increase in stock, the highest level since 2002). Cornerstone Research forecasts San Francisco will be an early recovery market, with office vacancy stabilizing in 2010 and rent growth following in 2011, due to both improving leasing fundamentals and limited new supply. The finance sector, which began shedding jobs in 2007, appears to have stabilized already, though the professional/business services sector should do so until 2010. The Financial District, the largest submarket with 26 million square feet, historically outperforms the market. This submarket has one project currently under construction: 1 Kearney Street. This 112,410 square foot project is scheduled to deliver in early 2010 with no leasing completed to date. Cornerstone Real Estate Advisers LLC 2010 PORTFOLIO PROFILE & STRATEGY Property Type Size Acquisition Date Acquisition Cost YE Market Value 2010 NOI Target/ Leverage Year Built Office 221,941 sf February 14, 2007 $27,480,000 ($124/sf) $18,100,000 ($82 /sf) Yield $1,495,584 / 8.3% None 1983 Description Waterway Tower is a 13 -story office building located in Irving, TX (Las Colinas). The exterior is clad in brick and blue -green monolithic glass and rises in an asymmetrical series of eight corners and curves. The building is finished with Travertine floors and cherry wood accent bands inserted into textured walls. The property is situated on a 3.9 -acre site and has an attached 4 -story parking deck with 833 spaces (3.78 spaces /1,000 sf). The building contains a full service deli and on -site management and security station. Location r Located 1/4 mile east of the intersection of Wingren Road and Las Colinas Blvd in the Urban Center submarket ■ 11 miles east of the Dallas CBD, in close proximity to DFW International Airport (7 miles), easy access to Hwy 114, LBJ Freeway (Hwy 635), and the Tollway Investment Strategy The investment strategy for Waterway Tower is to increase occupancy to enhance value. The property is valued well below replacement cost, with potential upside once market conditions improve. Leasing 100% 90% 80% 70% 60% 2010 Key Objectives • Aggressively market all available space • Negotiate early renewals to maximize revenues • Continue to focus on expense savings Market Highlights The Dallas metro economy, like its Texas counterparts, has performed relatively well through the recession. Job losses have been less severe, with Dallas' total employment down 2% from peak levels compared to a loss of 5.2% for the nation. The metro area's jobs situation is now stabilizing, and Dallas is expected to exit from the recession ahead of the US. Given Dallas' size and linkages to the national economy, its near -term recovery is however subject to many of the challenges facing the broader national economy Dallas' long -run equilibrium office vacancy characteristically runs high, averaging 22% over the past twenty years compared to 14% for the nation. As market fundamentals began to improve following the 2001 recession, landlords were able to grow rents even as vacancy fell from 27% to 23 %. Following the current recession, vacancy is expected to peak closer to 23 %, paving the way for an early market recovery even though the vacancy will still remain high relative to the nation. While the Las Colinas submarket is not expected to outperform the market, Class A submarket vacancy is expected to remain below the metro average. Cornerstone Real Estate Advisers LLC 24 4Q08 1Q09 2Q09 3Q09 4Q09 CORNERSTONE PATRIOT FUND Description Bridgeside Shopping Center is a neighborhood shopping center anchored by a Nob Hill Foods (an upscale Raley's supermarket). The center also contains 38,962 sf of additional shop space and 7,179 sf of office space. Bridgeside has 422 surface parking spaces for a parking ratio of 4 spaces /1,000 sf. Total 70,717 67.3% Location • Located in Alameda, an affluent Oakland suburb • Located along a primary "going- home" thoroughfare Investment Strategy Bridgeside Shopping Center is a grocery- anchored shopping center in an infill location within the San Francisco Bay Area. The investment strategy is to provide a stabilized income return for the portfolio with the opportunity for future rent growth through shop space renewals. Leasing 100% 90% 91 /o 0 92% 92% 92% 90% 80% F1 70% 60% 4Q08 1Q09 2Q09 3Q09 4Q09 Property Type Size Acquisition Date Acquisition Cost YE Market Value 2010 NOI Target/ Leverage Year Built Retail 105,118 sf May 14, 2007 $40,500,000 ($385/sf) $26,300,000 ($250 /sf) Yield $2,023,306 / 7.7% None 2007 2010 Key Objectives • Execute three new leases totalling 4,586 sf, and achieve a 96% occupancy by December 2010 • Monitor tenant financial status and maintain tenant relation- ships to maximize occupancy Market Highlights The Oakland retail market will remain challenged through next year as the metro area struggles to regain prior employment and consumer - spending levels. Oakland's employment recovery is forecast to lag the nation's. The March 2010 closing of the NUMMI plant in Fremont, a joint venture between GM and Toyota, will add an additional 4,600 workers to the unemployed ranks in the region. Total employment losses in Oakland have been in line with the national decline. The median household income in Alameda is $70,292, which is high relative to the national average, but below average for the San Francisco /Oakland metro area. Costar reports four neighborhood centers in Alameda totaling 366,963 square feet are currently 9.6% vacant, up from 6.7% last year. Long -term economic growth in Alameda could be fueled by the proposed Alameda Landing, a mixed -use master - planned development on the US Navy's former Fleet Industrial Supply Center site. Demographic Profile Bridgeside Trade Area Square %of Expiration Major Tenants Feet NRA Date Nob Hill Foods (Raley's) 58,977 56.1% 6/26/2027 Pet Food Express 6,379 6.1% 2/28/2017 United States (Recruiting Center) 5,361 5.1% 1/8/2014 Total 70,717 67.3% Location • Located in Alameda, an affluent Oakland suburb • Located along a primary "going- home" thoroughfare Investment Strategy Bridgeside Shopping Center is a grocery- anchored shopping center in an infill location within the San Francisco Bay Area. The investment strategy is to provide a stabilized income return for the portfolio with the opportunity for future rent growth through shop space renewals. Leasing 100% 90% 91 /o 0 92% 92% 92% 90% 80% F1 70% 60% 4Q08 1Q09 2Q09 3Q09 4Q09 Property Type Size Acquisition Date Acquisition Cost YE Market Value 2010 NOI Target/ Leverage Year Built Retail 105,118 sf May 14, 2007 $40,500,000 ($385/sf) $26,300,000 ($250 /sf) Yield $2,023,306 / 7.7% None 2007 2010 Key Objectives • Execute three new leases totalling 4,586 sf, and achieve a 96% occupancy by December 2010 • Monitor tenant financial status and maintain tenant relation- ships to maximize occupancy Market Highlights The Oakland retail market will remain challenged through next year as the metro area struggles to regain prior employment and consumer - spending levels. Oakland's employment recovery is forecast to lag the nation's. The March 2010 closing of the NUMMI plant in Fremont, a joint venture between GM and Toyota, will add an additional 4,600 workers to the unemployed ranks in the region. Total employment losses in Oakland have been in line with the national decline. The median household income in Alameda is $70,292, which is high relative to the national average, but below average for the San Francisco /Oakland metro area. Costar reports four neighborhood centers in Alameda totaling 366,963 square feet are currently 9.6% vacant, up from 6.7% last year. Long -term economic growth in Alameda could be fueled by the proposed Alameda Landing, a mixed -use master - planned development on the US Navy's former Fleet Industrial Supply Center site. Demographic Profile Bridgeside Trade Area 1 Mile 3 Mile 5 Mile Median Household Income $55,489 $48,195 $48,798 Median HH Income Forecast Growth 1.8% 1.8% 1.8% Population 24,157 254,818 453,508 Population Forecast Growth 0.5% 0.4% 0.4% �; Cornerstone Real Estate Advisers LLC 2010 PORTFOLIO PROFILE & STRATEGY Description Promenade at Town Center is a community retail center anchored by Pavilions (upscale Safeway supermarket). Secondary anchors are HomeGoods and Tilly's. In addition to a variety of shops, restaurants include an Elephant Bar and Olive Garden. Total 88,518 48.7% Location Located at the most prominent retail intersection in Valencia, across from the regional mall in an affluent master - planned community • Directly adjacent to over 1,000 apartment units • Easily accessible via I -5 and Magic Mountain Parkway Investment Strategy Promenade at Town Center is a well - located, high - quality retail center in an affluent master - planned community. The property provides secure income from anchor tenancy along with potential rental income increases from the in -line shops, with minimal lease expirations until 2012. The long -term strategy is to continue to maintain the property in first class condition while sustaining full occupancy and strong credit tenancy. Leasing 98% 98% 98% 9700 97% 100% 90% 80% 70% 60% 4Q08 1Q09 2Q09 3Q09 4Q09 Acquisition Date Acquisition Cost YE Market Value December 9, 2004 $66,600,000 ($367/sf) $60,000,000 ($330 /sf) 2010 NOI Target/Yield$4,347,009 / 7.2% 2010 Key Objectives $34,421,771 / 7.2 %, maturity: 07112 ■ Achieve average occupancy of 97% or better ■ Execute three new leases totaling 5,250 sf and one 1,247 sf renewal * Maximize effective gross revenue and net operating income Market Highlights Cornerstone Research forecasts the Los Angeles retail market will continue to soften through next year, until employment begins to recover and consumer confidence returns in this hard -hit economy. Employment will stabilize in Los Angeles in latter 2010, though job losses will continue in the near -term in all sectors, especially construction, finance, and trade. Major employers in Valencia include Six Flags (currently in bankruptcy) and Princess Cruises. Demographics are favorable in Valencia, and our long -term outlook remains positive for this retail market. However, in the near -term, retail vacancy will continue to climb. Costar reports eight community centers in Valencia are currently 17% vacant. Vacancy spiked this year with the delivery in 2008 of Gateway Promenade. This 128,770 square foot property delivered vacant, and is currently 15% occupied. There are no new retail projects currently under construction in Valencia. Demographic Profile Promenade atTown Center Trade Area 1 Mile 3 Mile 5 Mile Median Household Income Square %of Expiration Major Tenants Feet NRA Date Pavilions (Safeway) 54,000 29.7% 2/12/2027 HomeGoods (TJX) 24,518 13.5% 2/29/2012 Tilly's 10,000 5.5% 6/30/2012 Total 88,518 48.7% Location Located at the most prominent retail intersection in Valencia, across from the regional mall in an affluent master - planned community • Directly adjacent to over 1,000 apartment units • Easily accessible via I -5 and Magic Mountain Parkway Investment Strategy Promenade at Town Center is a well - located, high - quality retail center in an affluent master - planned community. The property provides secure income from anchor tenancy along with potential rental income increases from the in -line shops, with minimal lease expirations until 2012. The long -term strategy is to continue to maintain the property in first class condition while sustaining full occupancy and strong credit tenancy. Leasing 98% 98% 98% 9700 97% 100% 90% 80% 70% 60% 4Q08 1Q09 2Q09 3Q09 4Q09 Acquisition Date Acquisition Cost YE Market Value December 9, 2004 $66,600,000 ($367/sf) $60,000,000 ($330 /sf) 2010 NOI Target/Yield$4,347,009 / 7.2% 2010 Key Objectives $34,421,771 / 7.2 %, maturity: 07112 ■ Achieve average occupancy of 97% or better ■ Execute three new leases totaling 5,250 sf and one 1,247 sf renewal * Maximize effective gross revenue and net operating income Market Highlights Cornerstone Research forecasts the Los Angeles retail market will continue to soften through next year, until employment begins to recover and consumer confidence returns in this hard -hit economy. Employment will stabilize in Los Angeles in latter 2010, though job losses will continue in the near -term in all sectors, especially construction, finance, and trade. Major employers in Valencia include Six Flags (currently in bankruptcy) and Princess Cruises. Demographics are favorable in Valencia, and our long -term outlook remains positive for this retail market. However, in the near -term, retail vacancy will continue to climb. Costar reports eight community centers in Valencia are currently 17% vacant. Vacancy spiked this year with the delivery in 2008 of Gateway Promenade. This 128,770 square foot property delivered vacant, and is currently 15% occupied. There are no new retail projects currently under construction in Valencia. Demographic Profile Promenade atTown Center Trade Area 1 Mile 3 Mile 5 Mile Median Household Income $93,116 $80,992 $80,950 Median HH Income Forecast Growth 1.6% 1.9% 2.0% Population 10,139 89,795 188,909 Population Forecast Growth 1.2% 1.7% 2.5% Cornerstone Real Estate Advisers LLC 26 CORNERSTONE PATRIOT FUND l =% s E Description Red Top Plaza is a 151,840 sf grocery- anchored shopping center. The property has parking for 699 cars (4.6 spaces /1,000 sf) and is situated on 17.9 acres. The center is anchored by the grocery store jewel/Osco. Location Property is located approximately 30 miles northwest of downtown Chicago ■ Located on the east side of Milwaukee Avenue, approximately two miles north of Townline Road (IL Hwy. 60) Investment Strategy Red Top Plaza is a well - located core, grocery- anchored, retail property in the northwest suburbs of Chicago. The property is in a strong retail area (five million square feet). The current strategy is to maintain existing tenants and add new tenants through an aggressive leasing and marketing program to position the property for sale as capital markets improve. Leasing 100% 90% 80% 70% 60% 85% 86% 85% 84% 84% FW 4Q08 1Q09 2Q09 3Q09 4Q09 Property Type Size Acquisition Date Acquisition Cost YE Market Value 2010 NOI Target/ Leverage Year Built Retail 151,840 sf July 1, 2004 $24,400,000 ($161/sf) $17,800,000 ($117/sf) Yield $1,578,428 / 8.9% None 1981 2010 Key Objectives • The primary objective for 2010 will be to enhance tenancy through aggressive leasing • Continue to monitor tenants financial status and increase tenant relationships • Continue to focus on cost efficiency and maintaining market positive CAM expenses Market Highlights Chicago's economy has struggled through the recession, posting substantial declines in home values, employment, retail sales and manufacturing activity. The contraction in some sectors has been marginally worse than the corresponding national average. Chicago has lost 6% of peak employment versus 5% for the nation. This mature, slow - growing metro economy is expected to lag the nation as the city emerges from recession. At the end of 2009, financial services and professional business services were still posting j ob losses, but the pace had moderated. Employment should stabilize in the late second half of 2010, and the increase in payrolls will be slow into the first half of 2011. Retail consultancy Melaniphy & Associates estimates that through the third quarter of 2009, retail sales had fallen by nearly 11% from the same period in 2008 with double -digit declines in furniture & electronics and apparel. Reflecting the sharp drop in consumer spending, retail vacancy is rising and expected to peak in the second half of 2010 while market rents should stabilize by early 2011. The diminished retail construction pipeline will give space metrics the chance to improve over the year. Demographic Profile Red Top Plaza Trade Area Square %of Expiration Major Tenants Feet NRA Date Jewel /Osco 66,844 44.0% 11/30/2020 Tuesday Morning 7,595 5.0% 7/15/2012 ReMaxSuburban 6,400 4.2% 7/31/2013 Total 80,839 53.2% Location Property is located approximately 30 miles northwest of downtown Chicago ■ Located on the east side of Milwaukee Avenue, approximately two miles north of Townline Road (IL Hwy. 60) Investment Strategy Red Top Plaza is a well - located core, grocery- anchored, retail property in the northwest suburbs of Chicago. The property is in a strong retail area (five million square feet). The current strategy is to maintain existing tenants and add new tenants through an aggressive leasing and marketing program to position the property for sale as capital markets improve. Leasing 100% 90% 80% 70% 60% 85% 86% 85% 84% 84% FW 4Q08 1Q09 2Q09 3Q09 4Q09 Property Type Size Acquisition Date Acquisition Cost YE Market Value 2010 NOI Target/ Leverage Year Built Retail 151,840 sf July 1, 2004 $24,400,000 ($161/sf) $17,800,000 ($117/sf) Yield $1,578,428 / 8.9% None 1981 2010 Key Objectives • The primary objective for 2010 will be to enhance tenancy through aggressive leasing • Continue to monitor tenants financial status and increase tenant relationships • Continue to focus on cost efficiency and maintaining market positive CAM expenses Market Highlights Chicago's economy has struggled through the recession, posting substantial declines in home values, employment, retail sales and manufacturing activity. The contraction in some sectors has been marginally worse than the corresponding national average. Chicago has lost 6% of peak employment versus 5% for the nation. This mature, slow - growing metro economy is expected to lag the nation as the city emerges from recession. At the end of 2009, financial services and professional business services were still posting j ob losses, but the pace had moderated. Employment should stabilize in the late second half of 2010, and the increase in payrolls will be slow into the first half of 2011. Retail consultancy Melaniphy & Associates estimates that through the third quarter of 2009, retail sales had fallen by nearly 11% from the same period in 2008 with double -digit declines in furniture & electronics and apparel. Reflecting the sharp drop in consumer spending, retail vacancy is rising and expected to peak in the second half of 2010 while market rents should stabilize by early 2011. The diminished retail construction pipeline will give space metrics the chance to improve over the year. Demographic Profile Red Top Plaza Trade Area 1 Mile 3 Mile 5 Mile Median Household Income $80,569 $87,431 $81,066 Median HH Income Forecast Growth 1.3% 1.3% 1.4% Population 6,870 43,405 114,893 Population Forecast Growth 0.1% 1.1% 1.0% 27 Cornerstone Real Estate Advisers LLC 2010 PORTFOLIO PROFILE & STRATEGY Description Renaissance Creek is a community shopping center with anchor tenants including Safeway, HomeGoods and Staples. Situated on a 21.4 -acre site in Roseville, California; the center contains surface parking for 885 vehicles (4.9 spaces /1,000 so. A unique feature of Renaissance Creek is a natural protected wetland area, separating the center into two distinct areas. Location Total 107,727 60.1% • Easily accessible to I -80, via Douglas Boulevard • Sixteen miles NE of Sacramento ■ The center has two access points on Sierra College Blvd. and one access point on Douglas Blvd Investment Strategy Renaissance Creek is a core, high - quality, well- anchored shopping center in one of the more affluent trade areas in the Sacramento MSA. The long -term strategy is to maintain its first class condition, address minimal shop rollover and season existing tenant base. Sales are expected to increase over the long -term, leading to increased rents and value. Leasina 100% 90% 80% 70% 60% 98% 98% 98% y /%o 9/% 4Q08 1Q09 2Q09 3Q09 4Q09 Cornerstone Real Estate Advisers LLC Property Type Size Acquisition Date Acquisition Cost YE Market Value 2010 NOI Target/ Leverage Year Built Retail 179,425 sf July 1, 2004 $58,720,000 ($327/sf) $50,700,000 ($283/sf) Yield $3,311,555 / 6.5% $25,995,000 2002 2010 Key Objectives • Maximize occupancy and rent through aggressive leasing of available space • Evaluate and monitor expenses for additional potential savings • Monitor tenant financial status and increase tenant relationships Market Highlights The Sacramento retail sector will remain weak through 2010 as the metro area struggles with above - average unemployment and a high mortgage foreclosure rate. Sacramento is expected to lag the US through economic recovery, and the state's fiscal crisis will negatively influence the area's important government sector. Total employment declined 4.3% over the past twelve months, with losses in all sectors except education and health services, which has posted relatively healthy gains. Government job cuts have been minor thus far, but the state - mandated three unpaid furlough days per month equals about a 15% cut in pay for state workers and future jobs cuts are an ongoing risk. Roseville is a regional retail center, and is the home to Westfield Galleria at Roseville (a one million square foot super - regional mall) and the Roseville Auto Mall (16 dealers). Other local employers include Kaiser and Hewlett- Packard. Costar reports fourteen community centers in Roseville are 15% available. There are no retail projects currently under construction in the city. Demographic Profile Renaissance CreekTrade Area Square %of Expiration Major Tenants Feet NRA Date Safeway 60,227 33.6% 7/31/2027 HomeGoods 27,500 15.3% 5/31/2016 Staples 20,000 11.2% 9/23/2015 Location Total 107,727 60.1% • Easily accessible to I -80, via Douglas Boulevard • Sixteen miles NE of Sacramento ■ The center has two access points on Sierra College Blvd. and one access point on Douglas Blvd Investment Strategy Renaissance Creek is a core, high - quality, well- anchored shopping center in one of the more affluent trade areas in the Sacramento MSA. The long -term strategy is to maintain its first class condition, address minimal shop rollover and season existing tenant base. Sales are expected to increase over the long -term, leading to increased rents and value. Leasina 100% 90% 80% 70% 60% 98% 98% 98% y /%o 9/% 4Q08 1Q09 2Q09 3Q09 4Q09 Cornerstone Real Estate Advisers LLC Property Type Size Acquisition Date Acquisition Cost YE Market Value 2010 NOI Target/ Leverage Year Built Retail 179,425 sf July 1, 2004 $58,720,000 ($327/sf) $50,700,000 ($283/sf) Yield $3,311,555 / 6.5% $25,995,000 2002 2010 Key Objectives • Maximize occupancy and rent through aggressive leasing of available space • Evaluate and monitor expenses for additional potential savings • Monitor tenant financial status and increase tenant relationships Market Highlights The Sacramento retail sector will remain weak through 2010 as the metro area struggles with above - average unemployment and a high mortgage foreclosure rate. Sacramento is expected to lag the US through economic recovery, and the state's fiscal crisis will negatively influence the area's important government sector. Total employment declined 4.3% over the past twelve months, with losses in all sectors except education and health services, which has posted relatively healthy gains. Government job cuts have been minor thus far, but the state - mandated three unpaid furlough days per month equals about a 15% cut in pay for state workers and future jobs cuts are an ongoing risk. Roseville is a regional retail center, and is the home to Westfield Galleria at Roseville (a one million square foot super - regional mall) and the Roseville Auto Mall (16 dealers). Other local employers include Kaiser and Hewlett- Packard. Costar reports fourteen community centers in Roseville are 15% available. There are no retail projects currently under construction in the city. Demographic Profile Renaissance CreekTrade Area 1 Mile 3 Mile 5 Mile Median Household Income $50,612 $52,912 $58,104 Median HH Income Forecast Growth 2.0% 1.6% 1.7% Population 13,398 135,896 332,595 Population Forecast Growth 0.2% 0.6% 1.4% * Rate is 30 -day LIBOR plus 210 basis points. In November 2010, rate changes to 30 -day LIBOR plus 225 basis points. Loan is callable every five years beginning November 2011 until November 2031. 28 CORNERSTONE PATRIOT FUND Description South Lakes Village is a neighborhood retail center, anchored by Safeway. A renovation was completed in 2004 -2005 which included new cedar shake roof, new lighting, expanded parking lot and the expansion and renovation of Safeway. The center is situated on a 10.56 -acre site. Total 65,243 59.6% Location r The center is located at the intersection of Sunrise Valley Drive and South Lakes Drive in Reston, Virginia ■ Approximately 18 miles from downtown Washington DC Investment Strategy South Lakes Village is a well - located core asset in a market with strong fundamentals. The anchor tenants, both grocery and drug stores, have significant lease terms remaining providing a stable cash flow with the potential to increase income and value as other leases roll. Leasing 100% 90% 80% 70% 60% Property Type Size Acquisition Date Acquisition Cost YE Market Value 2010 NOI Target/ Leverage Year Built Retail 100,527 sf July 1, 2004 $27,000,000 ($247/sf) $30,800,000 ($281/sf) Yield $2,434,108 / 7.9% None 1983 2010 Key Objectives • Aggressively lease available space • Work with existing tenants to maintain occupancy and monitor financial status ■ Maximize net operating income through pursuing opportunities to enhance revenues as well as reduce operating expenses. Market Highlights The Washington DC retail market softened over the past two years with the economic recession and active new supply pushing total vacancy up about 200 basis points and rents down over 10% since 2007 per Costar; nevertheless, the market remains relatively tight. Retail demand is expected to stabilize in early 2010 and begin to improve in 2011. New supply, however, remains active, putting pressure on vacancy and rents in the near -term. Healthy market fundamentals should return to the market in 2011 when economic recovery gains traction and the supply pipeline slows down. "Necessities" retail sales have held up nicely during this recession and supermarket chains, in general, have performed well. The subject property, a grocer- anchored neighborhood center in an affluent trade area, should continue to benefit from these trends. Additionally, the property will be helped by no near -term new supply in the trade area. Demographic Profile South Lakes Village Trade Area Square %of Expiration Major Tenants Feet NRA Date Safeway 51,986 47.5% 1/31/2026 CVs 9,245 8.4% 2/28/2019 Lakeside Inn 4,012 3.7% 8/31/2014 Total 65,243 59.6% Location r The center is located at the intersection of Sunrise Valley Drive and South Lakes Drive in Reston, Virginia ■ Approximately 18 miles from downtown Washington DC Investment Strategy South Lakes Village is a well - located core asset in a market with strong fundamentals. The anchor tenants, both grocery and drug stores, have significant lease terms remaining providing a stable cash flow with the potential to increase income and value as other leases roll. Leasing 100% 90% 80% 70% 60% Property Type Size Acquisition Date Acquisition Cost YE Market Value 2010 NOI Target/ Leverage Year Built Retail 100,527 sf July 1, 2004 $27,000,000 ($247/sf) $30,800,000 ($281/sf) Yield $2,434,108 / 7.9% None 1983 2010 Key Objectives • Aggressively lease available space • Work with existing tenants to maintain occupancy and monitor financial status ■ Maximize net operating income through pursuing opportunities to enhance revenues as well as reduce operating expenses. Market Highlights The Washington DC retail market softened over the past two years with the economic recession and active new supply pushing total vacancy up about 200 basis points and rents down over 10% since 2007 per Costar; nevertheless, the market remains relatively tight. Retail demand is expected to stabilize in early 2010 and begin to improve in 2011. New supply, however, remains active, putting pressure on vacancy and rents in the near -term. Healthy market fundamentals should return to the market in 2011 when economic recovery gains traction and the supply pipeline slows down. "Necessities" retail sales have held up nicely during this recession and supermarket chains, in general, have performed well. The subject property, a grocer- anchored neighborhood center in an affluent trade area, should continue to benefit from these trends. Additionally, the property will be helped by no near -term new supply in the trade area. Demographic Profile South Lakes Village Trade Area 1 Mile 3 Mile 5 Mile Median Household Income $73,195 $95,898 $105,804 Median HH Income Forecast Growth 1.5% 1.9% 1.9% Population 11,165 88,575 202,702 Population Forecast Growth 2.2% 1.2% 1.3% ?9 Cornerstone Real Estate Advisers LLC 201 PORTFOLIO PROFILE & STRATEGY e a a. � 8 i Description UV L im a � I II _ University Park is a neighborhood shopping center anchored by a Whole Foods grocery store. The property includes a variety of shops and restaurants, including a JP Morgan Chase Bank branch. The center is situated on a 12.2 -acre site. Total 47,900 54.2% Location Southeast corner of Colorado Boulevard and University Boulevard ■ In the master - planned community of Highlands Ranch with average household incomes exceeding $120,000 Investment Strategy University Park is a Class A neighborhood retail center in an affluent and growing master - planned suburb of Denver. The investment is expected to generate a strong current yield with potential for value appreciation due to anticipated growth in shop rents. Leasing 100% 90% 80% 70% 60% 95% I 93% 93% 93% 1 F1 F1 4Q08 1Q09 2Q09 3Q09 4Q09 Property Type Size Acquisition Date Acquisition Cost YE Market Value 2010 NOI Target/ Leverage Year Built Retail 88,559 sf December 28, 2007 $28,100,000 ($318/sf) $22,400,000 ($254/sf) Yield$1,632,002 / 7.3% None 2001 2010 Key Objectives ■ Maximize occupancy and rent through aggressive leasing • Downsize and re- tenant liquor store space to enhance rental and sales potential • Evaluate all expenses for additional savings Market Highlights Denver's metro area job losses are stabilizing, but recovery has yet to take hold. Denver maintains a highly- educated and skilled workforce and favorable long -term demographic trends, but the local economy continues to struggle as companies are reluctant to hire. Unemployment is high by Denver's historical standards, but is well below the national average. On a positive note, the local housing market by several measures has stabilized and is beginning to recover - an important precursor to sustained growth in retail sales. As Denver emerges from recession, growth will be slow initially, but should gain momentum in the second half of 2010 led by the technology and energy sectors. As consumers continue to cut back on luxury and discretionary spending, grocery- anchored retail centers have outperformed other retail subsectors through the recession. This trend is expected to continue as weak labor markets and tight consumer credit conditions persist through 2010. While retail vacancy has risen over the past year, Denver's supply and demand outlook appears balanced through 2011 as recovering employment compliments modest retail construction. Demographic Profile University ParkTrade Area Square %of Expiration Tenant Feet NRA Date Whole Foods 36,000 40.7% 1/31/2022 Archiver's 6,500 7.4% 1/31/2013 Boston Market 5,400 6.1% 9/29/2017 Total 47,900 54.2% Location Southeast corner of Colorado Boulevard and University Boulevard ■ In the master - planned community of Highlands Ranch with average household incomes exceeding $120,000 Investment Strategy University Park is a Class A neighborhood retail center in an affluent and growing master - planned suburb of Denver. The investment is expected to generate a strong current yield with potential for value appreciation due to anticipated growth in shop rents. Leasing 100% 90% 80% 70% 60% 95% I 93% 93% 93% 1 F1 F1 4Q08 1Q09 2Q09 3Q09 4Q09 Property Type Size Acquisition Date Acquisition Cost YE Market Value 2010 NOI Target/ Leverage Year Built Retail 88,559 sf December 28, 2007 $28,100,000 ($318/sf) $22,400,000 ($254/sf) Yield$1,632,002 / 7.3% None 2001 2010 Key Objectives ■ Maximize occupancy and rent through aggressive leasing • Downsize and re- tenant liquor store space to enhance rental and sales potential • Evaluate all expenses for additional savings Market Highlights Denver's metro area job losses are stabilizing, but recovery has yet to take hold. Denver maintains a highly- educated and skilled workforce and favorable long -term demographic trends, but the local economy continues to struggle as companies are reluctant to hire. Unemployment is high by Denver's historical standards, but is well below the national average. On a positive note, the local housing market by several measures has stabilized and is beginning to recover - an important precursor to sustained growth in retail sales. As Denver emerges from recession, growth will be slow initially, but should gain momentum in the second half of 2010 led by the technology and energy sectors. As consumers continue to cut back on luxury and discretionary spending, grocery- anchored retail centers have outperformed other retail subsectors through the recession. This trend is expected to continue as weak labor markets and tight consumer credit conditions persist through 2010. While retail vacancy has risen over the past year, Denver's supply and demand outlook appears balanced through 2011 as recovering employment compliments modest retail construction. Demographic Profile University ParkTrade Area 1 Mile 3 Mile 5 Mile Median Household Income $89,317 $93,984 $91,064 Median HH Income Forecast Growth 0.6% 1.0% 1.2% Population 16,016 99,820 190,922 Population Forecast Growth 2.5% 1.5% 1.4% Cornerstone Real Estate Advisers LLC 30 CORNERSTONE PATRIOT FUND Description A land investment joint venture with Birtcher Development Company. The investment is in two sites, totaling 25.5 acres. The land is targeted for a five - building industrial park totaling 353,926 sf. Four of five building plans are complete and approved by the Riverside County Board of Supervisors. Location Centrally located between Interstate 15, Highway 91, and Highway 60 ■ Interstate 15, approximately 4 miles west of the site, runs north past Ontario Airport and South to San Diego ■ Highway 91 and Highway 241 provide convenient access to Orange County Investment Strategy The General Drive development project was put on hold due to deteriorating market conditions. The property will be continually evaluated for either development or sale of undeveloped land. Property Type Industrial Size 353,926 sf Construction Start N/A Acquisition Cost $7,617,335 YE Market Value $4,000,000 Leverage None Expected Completion N/A ♦_ Description A land investment joint venture with Birtcher Development Company. The investment is in two sites, totaling 25.5 acres. The land is targeted for a five - building industrial park totaling 353,926 sf. Four of five building plans are complete and approved by the Riverside County Board of Supervisors. Location Centrally located between Interstate 15, Highway 91, and Highway 60 ■ Interstate 15, approximately 4 miles west of the site, runs north past Ontario Airport and South to San Diego ■ Highway 91 and Highway 241 provide convenient access to Orange County Investment Strategy The General Drive development project was put on hold due to deteriorating market conditions. The property will be continually evaluated for either development or sale of undeveloped land. Property Type Industrial Size 353,926 sf Construction Start N/A Acquisition Cost $7,617,335 YE Market Value $4,000,000 Leverage None Expected Completion N/A Market Highlights Riverside warehouse market fundamentals remain challenged in the near -term but are expected to strengthen as the national recovery gains momentum over the next two years due to its proximity to the supply- constrained Los Angeles/Long Beach warehouse markets. For now, supply growth is slowing though excess space will continue to outpace falling demand. Cornerstone Research forecasts that the market will soften further through 2011. Recovery in the Riverside warehouse market is dependent on the return of consumer demand nationally. The subject property is located in the Riverside submarket, the largest in the metro area with 113 million square feet. As is the case throughout Riverside County, the submarket supply pipeline has outpaced demand in the past few years. Submarket availability in the third quarter was 19.2 %, up sharply from single digit levels that had been the norm for much of the previous fifteen years. New construction in the submarket has finally slowed to historically low levels and will remain low through our forecast period. 31 Cornerstone Real Estate Advisers LLC Cornerstone Patriot Fund 2010 Portfolio Profile and Strategy Disclaimer The 2010 Portfolio Profile and Strategy includes forward - looking statements within the meaning of the Private Securities Litigation Reform Act. All statements other than statements of historical facts included in this profile, including, without limitation, statements regarding business strategy, budgets, projected costs and plans and objectives for future operations, are forward - looking statements. In addition, forward - looking statements generally can be identified by the use of forward - looking terminology such as "may," "will," "expect," "intend," "estimate," "anticipate," "believe," or "continue" or the negative thereof or variations thereon or similar terminology. Although it is believed that the expectations reflected in such forward - looking statements are reasonable, there can be no assurance that such expectations will prove to be correct. The information contained in this report may employ proprietary projections of expected returns, which are forward - looking" statements. The relative relationships and forecasts contained herein are based upon proprietary research and were developed through analysis of historical data and capital markets theory. These estimates have certain inherent limitations. References to future returns or target returns are not promises or even estimates of actual returns that may be achieved. The forecasts contained herein are for illustrative purposes only and are not to be relied upon as advice or interpreted as a recommendation. Actual results could differ materially based on changes in international, national or local economic and demographic conditions; adverse changes in financial conditions of buyers and sellers of properties; reductions or changes in sources of debt or equity financing, including changes in interest rates; increases in real estate taxes and operating expenses, including energy prices; changes in law, regulations and governmental policies, including environmental laws and governmental fiscal policies; changes in the relative popularity of properties; risks due to dependence on cash flow; risks and operating problems arising out of the presence of certain construction materials; natural and unnatural disasters; and uninsurable losses. This 2010 Portfolio Profile and Strategy is for informational purposes only and does not constitute an offering of any kind. Any such offering will be accompanied by an offering memorandum disclosing, among other things, the business, tax, ERISA, economic and other considerations involving an investment in Cornerstone Patriot Fund LP. Interests in the Cornerstone Patriot Fund are offered through Babson Capital Securities Inc Member FINRA. For additional information on the Cornerstone Patriot Fund please contact: Brian Murdy, Portfolio Manager 860.509.2279 bmurdy @cornerstoneadvisers.com Denise Stake, Portfolio Manager Assistant Portfolio Manager 860.509.2311 dstake @cornerstoneadvisers.com Pamela McKoin, Vice President Business Development 860.509.2230 pmckoin @cornerstoneadvisers,com Cornerstone Real Estate Advisers LLC CORPORATE HEADQUARTERS U.S. DEBT OFFICES INTERNATIONAL Cornerstone Real Estate Advisers Debt - Northeast Region Protego Real Estate Investors LLP 1 Financial Plaza 180 Glastonbury Blvd. 30 Old Burlington Street Suite 1700 Suite 200 London Hartford, CT 06103 -2604 Glastonbury, CT 06033 W1 S 3AR Telephone: (860) 509 -2200 Telephone: (860) 368 -2806 United Kingdom Fax: (860) 509 -2222 +44 (0)20 7297 0900 Debt -Washington DC Office 1919 M Street, NW Protego Real Estate Investors LLP U.S. EQUITY OFFICES Suite 300 Beurs - World Trade Center Washington, D.C. 20036 Beursplein 37 Equity Securities Management Telephone: (202) 775 -7400 3011 AA Rotterdam 333 Ludlow Street Toll Free: (800) 610 -7343 P.O. 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