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"I have been a real estate investor for 35 years and have known John Lloyd for over 15 years. I was fortunate to be involved with Fidelis Private Fund as its first limited partner at its inception back in 2019. I can attest to John and his team's integrity, professionalism, and expertise in every transaction. Fidelis has consistently delivered exceptional service and results, making them a trusted partner in my real estate ventures. The Fund has been a reliable and transparent partner, consistently delivering on my investment goals with honesty. Their commitment to investors' success is unparalleled. The detailed, second-to-none reports provide invaluable insights into the company’s operations and performance, ensuring I am always well-informed.”

Mario J. TeranReal Estate Investor/Developer

"As an investor in the Fidelis Private Fund, I have been extremely impressed with the professionalism, transparency, and strong performance of the fund and its management team. The quarterly investor reports provide a clear window into the fund's activities, portfolio details, and financial results. The principals have deep expertise in real estate lending and have built a solid track record of generating attractive fixed-income returns for investors while maintaining a disciplined approach to capital preservation. I feel my investment capital is in competent hands with the Fidelis team. Their integrity, communication, and investor-focused mindset give me confidence that my funds are being prudently managed to achieve a competitive return. I highly recommend the Fidelis Private Fund to accredited investors seeking an alternative real estate investment opportunity."

Wenkwei and Christina ChanFidelis Investor

I am Shawn Sagart. I have done a lot of business with John. I have known him for over 15 years. I have done at least four deals with John where I needed to close escrow in some investment units, and I came to John, and he made it happen in less than a week. I recently decided to invest a good chunk of money with Fidelis. I am very comfortable with John, and the bulk of his loans are on properties in San Diego County, where he has been, and I have been for over 40 years and where John understands the market. Whereas when I went to some of his competitors, they're all over the place making loans, some in Riverside, some in Wyoming, and I just didn’t feel comfortable with that. So I decided to invest with Fidelis. I am a very careful investor, and I do a lot of due diligence before I write a big check. I am very impressed with John's portfolio and the LTV. I felt that was the right decision to make. If you are looking to invest money in a safe investment, John is your man, and Fidelis is your company.

Shawn SagartReal Estate Investor / Fidelis Investor
Shawn Sagart

I am Duane Drake, and I have known John for over 30 years. I met John at San Diego Trust & Bank, where he began his real estate financing career, and I was the Chief Financial Officer. Over the years, I had the pleasure of following his career and sometimes acting as a mentor. I admire John’s integrity because he always does what he says he is going to do. I have been investing with John, where he managed another mortgage fund similar to Fidelis, and have admired his underwriting skills. He has a vast network of borrowers and relationships to choose from. I was one of the first investors in Fidelis, and I recommend anyone looking to invest to consider Fidelis.

Duane DrakeCFO, San Diego Trust & Bank (Retired)
Duane Drake

I am the owner of Inner City Redevelopment. I have been investing in properties for 25 years. I am a former public official, investment banker, and now I invest in real property. I got to know John many years ago, making investments in Barrio Logan and National City. Its been 15 years now John and I built a personal relationship where he walks my properties, talk to my people, and I have the faith and confidence that I need in a banker. Being able to work with John and Allan at Fidelis has made all the difference; they know how to get deals done.

Nicholas InzunzaReal Estate Investor/Developer
Nicholas Inzunza<br>Inner City Redevelopment

I am Jorge Michael, and I am one of the early investors in Fidelis. I have been very fortunate to invest in Fidelis. I saw the character and professionalism in John and his experience going through the real estate cycle back in 2008 and not having a loss of capital to his investors. His 30 years experience in commercial real estate financing and his experience in managing a fund, mainly John, is trustworthy, and I have a good rapport with John. Fidelis is a unique senior debt lender here in San Diego, and I highly recommend for future investors. Their focus on capital preservation and consistent returns make it a good investment opportunity.

Jorge Michael BalaresJMB Financials & Real Estate, Inc.
Jorge Michael Balares2

"I have been a real estate investor for 35 years and have known John Lloyd for over 15 years. I was fortunate to be involved with Fidelis Private Fund as its first limited partner at its inception back in 2019. I can attest to John and his team's integrity, professionalism, and expertise in every transaction. Fidelis has consistently delivered exceptional service and results, making them a trusted partner in my real estate ventures. The Fund has been a reliable and transparent partner, consistently delivering on my investment goals with honesty. Their commitment to investors' success is unparalleled. The detailed, second-to-none reports provide invaluable insights into the company’s operations and performance, ensuring I am always well-informed.”

Mario J. TeranReal Estate Investor/Developer

"As an investor in the Fidelis Private Fund, I have been extremely impressed with the professionalism, transparency, and strong performance of the fund and its management team. The quarterly investor reports provide a clear window into the fund's activities, portfolio details, and financial results. The principals have deep expertise in real estate lending and have built a solid track record of generating attractive fixed-income returns for investors while maintaining a disciplined approach to capital preservation. I feel my investment capital is in competent hands with the Fidelis team. Their integrity, communication, and investor-focused mindset give me confidence that my funds are being prudently managed to achieve a competitive return. I highly recommend the Fidelis Private Fund to accredited investors seeking an alternative real estate investment opportunity."

Wenkwei and Christina ChanFidelis Investor

John Lloyd and I worked together for over ten years at a private mortgage fund invested in trust deeds, similar to Fidelis. John was the President and I was the Controller at that company; where John grew the fund capital from $30M to over $180M. John knew not only how to originate and underwrite real estate loans but, he was also a respected leader who valued and understood the employees, investors, and borrowers.

John’s leadership built a unified team that kept the Partnership growing and adapting. I continued to work there as long as I could after John left, however, his absence undermined my confidence in the organization. I trust John’s integrity and his management of a mortgage fund. When I saw the direction of my prior employer, after John and I both left, I moved my limited partner investment to Fidelis Private Fund.

I believe John has put together a great team at Fidelis. I know he will continue to observe and assess commercial and residential real estate, economic conditions, and market demand, to make insightful and safe decisions with the Fidelis Fund. I am excited to share in their success.

Elizebeth T. PoeCPA (inactive), MBA
Elizebeth T. Poe,<br>CPA (Inactive), MBA

My relationship spans almost 30 years since I met John Lloyd at San Diego Trust & Savings Bank. I have known John to be a person of integrity and a resource of knowledge when it comes to real estate financing and funding loans. I have not only been a borrower of private money through John, but I am an investor in Fidelis and believe that John’s experience managing a mortgage fund provides me the security I need in these challenging times of uncertainty and volatility.

Keith AndersonAnderson Investment Company, Inc.
Keith Anderson

I first met John Lloyd in 2011, where he was President of a successful commercial mortgage company in San Diego, similar to Fidelis. I was impressed by how John managed his mortgage company Fund through the Last great recession with no losses to investor capital and How John grew the Fund five-fold during his tenure there.  John has since linked with two strong Partners and picked up where he left off forming Fidelis Private Fund. Since I am familiar with what John can do as Fidelis’ leader, I would invest in Fidelis if I were allowed. As his banker, I cannot. Because we made the decision to do business with John and Fidelis, Endeavor Bank is betting that Fidelis will be successful.

Steven D. SeftonPresident, Endeavor Bank
Steven D. Sefton<br>President

I am sending this note to let you know that I am very pleased to be an investor in Fidelis.  This is an investment that fits well with my retirement goals. It provides an excellent return at 8%, it provides me with a conservative investment (being secured by a pool of first mortgages with good LTV ratios), and a steady cash flow. I feel comfortable with the investment secured by San Diego area real estate and having known and worked with John for over 25 years, I have confidence in his underwriting and judgment. While it is a long term investment, I also have the flexibility to withdraw funds, should the need arise. I hope to increase my investment in Fidelis over time and I look forward to a long term relationship.

Larry JohnsonGlacier Real Estate Finance
Larry A. Johnson,<br>Glacier Real Estate Finance

As a real estate investor for over 30+ years, I have been pitched many “opportunities to invest” by brokers, agents, etc. I do not swing at most of them, in fact, very few make the cut. What drew me to Fidelis is the transparency of their operations and the clarity of purpose on which the funds are invested. I have known John for over 10 years and can definitely attest to his integrity as a very knowledgeable asset manager and above all, as an individual. The fact that the funds are invested in the San Diego Real estate market, with timely paid dividends that are allowed to compound, AND secured by Trust Deeds compelled me to invest. I sleep well knowing that a real estate veteran is handling my investment. Thank you John.

Mario J. TeranReal Estate Investor & Entrepreneur
Mario J. Teran

Today, as the stock market tumbles faster than the log ride at Disneyland, I pause to think about Fidelis and our relationship.

The steady positive return paid by Fidelis to its investors on a regular basis is very comforting and beneficial for my investment portfolio. The Fund’s approximate 8% annual return when reinvested to compound will double the principal in approximately 9 years. What a great option for the careful investor . . . especially when coupled with sound retirement planning.

Your conservative approach to lending as the Fund Manager is what we have been looking for over the years. Most of your loans are placed with San Diego based borrowers and we all know what has happened to San Diego real estate over the years. The variety of loans provides diversification while the location and loan to value ratios provide additional security.

Your decades of experience in this business in the San Diego area serve you, Fidelis and its investors well.

Keep up the good work, John.

Michael ClarkClark Family Enterprises, LLC
Michael Clark