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BMO HARRIS Investment Grade Tenant (S&P A+) Absolute NNN (No Landlord Responsibilities)

$350,000|5.60% CAP Long Term Corporate Lease (12.58 Years)

Low Rent-$12.00 PSF

2746 W. 5th Avenue, Gary, IN 46404 SMALL Price Point withaCorporate Guarantee INVESTMENT OVERVIEW BMO HARRIS BANK | GARY,

$350,000 | 5.60% CAP CONTACT FOR DETAILS

RICH LYDON $19,608 ±1,634 SF ±0.57 ACRES EXECUTIVE VICE PRESIDENT NOI BUILDING AREA LAND AREA (424) 301-6162 [email protected] $214 100% NNN PRICE PER SF OCCUPANCY LEASE TYPE IN BROKER OF RECORD $12,997,000 MATT CHAMBERS 2019 BRANCH DEPOSITS PEAK GROUP LLC License #: 481.000413 [email protected] Investment Grade Tenant (S&P A+), 2020's Best Bank in Indiana

Absolute NNN with No Landlord Responsibilities

This information has been secured from sources Long Term Corporate Lease with Approximately 11.86 Years Remaining we believe to be reliable but we make no representations or warranties, expressed or implied, as to the accuracy of the information. Buyer must RARE 1%+CPI Annual Rent Increases with Three (3) Five (5) Year Options verify the information and bears all risk for any inaccuracies.

Extremely Small Price Point for Investment Grade Tenant. SUBJECT PROPERTY

Deposits Market Share of Over 40%

Located 25 Miles from Downtown .

SECURE NET LEASE | 2 TENANT OVERVIEW BMO HARRIS BANK | GARY, INDIANA

BMO HARRIS BANK (bmoharris.com) CORPORATE GUARANTEE

BMO Harris Bank, N.A. isaUnited States bank based in Chicago, . It isamember of the System and operates branches in the states of Illinois, Indiana, , , , , , and . BMO Harris Bank has over 600 branches and 1,300 ATMs and employs 14,500 staff in the .

The bank isasubsidiary of the Canadian multinational investment bank and financial $665B services company commonly known as "BMO" through its United TOTAL ASSETS States operations, which do business as BMO Financial Group; through its US operations, it owns BMO Harris Bank through the BMO Financial Corporation.

S&P : A+ CREDIT RATING

$77.5B SUBJECT PROPERTY CORPORATE BRANCH DEPOSITS

$35.8B MARKET CAP

3 | SECURE NET LEASE IN THE NEWS BMO HARRIS BANK | GARY, INDIANA

CEO OF BMO HARRIS PARENT SEES MORE BMO TOPS ESTIMATES WITH WEALTH U.S. GROWTH BEYOND MIDWEST MANAGEMENT GROWTH April 02, 2019 (Crain’s Chicago Business) Doug Alexander, February 25, 2020 (BNN Bloomberg)

“That’ s what’s drivin g a lot of th e non-Midwes t growth—th e of Montrea l is making progress in its five-year effor t to double earnings business,” Whit e told reporter s after the bank’s investor s meetin g Tuesday in from wealth management. Toronto. The bank is making progress , with a 22 percent increas e in earning s from the The head of Canada’ s fourth-larges t lender by asset s highlighte d his U.S. busines s in its fiscal first quarter. That helped the company bea t analysts’ strategy during the annual session , noting that roughly 50 percent of Ban k of estimates. Montreal’ s busines s from the U.S. is from the seven Midwes t states it considers Bank of Montrea l has built on its “core footprint.” Two-third s of new commercia l loans in the U.S. are in its wealth busines s in the past year, including industrie s that are nationa l in scope, he said. hiring Wells Fargo & Co.’s Kristi Mitche m to lead the bank’s asset-management

The Toronto-based lender has been accelerating growth in the U.S., Bank of Montreal is getting about half of its U.S. business from outside building out services for wealthy clients and expanding its global asset the company’s Midwest stronghold, thanks toacommercial-banking manager, with the aim of getting $2 billion in annual profit from wealth push. management by 2023.

The bank’s BMO Capita l Markets divisio n is also boostin g company revenue from busines s across the U.S., and its wealth-managemen t busines s is a division . Wealth-managemen t earnings , which includ e , climbe d to smaller bu t growing contributor to non-Midwes t growth, White said. He’s been $291 million. pushin g to boost the share of earning s that come from U.S. operations , which Bank of Montreal’ s U.S. bankin g division includ e Chicago-base d BMO Harris Bank, to a third of overal l profit in three to , which include s Chicago-base d BMO Harris Bank, has increase d profits a five years. In the past 12 months , 30 percent of earning s were from the U.S., he t a faster pac e than its Canadia n divisio n for said. most of th e past two years. That effort faltered in the first quarter, with earnings from the U.S. personal-and-commercia l divisio n fallin g 21 per cen t to $351 million , hurt by a surge in loan-los s provision s and tighter margins.

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SECURE NET LEASE | 4 LEASE OVERVIEW BMO HARRIS BANK | GARY, INDIANA

LEASE COMMENCEMENT 10/1/2019

LEASE EXPIRATION 4/30/2032

LEASE TERM Twelve (12) Years & Seven (7) Months

LEASE TYPE Absolute NNN

LEASE GUARANTOR Corporate

RENT INCREASES 1.0% + CPI Annually

YEAR 1 $19,608.00

YRS. 2 - 12 & 7 MOS. (EXAMPLE): CPI- All Urban Consumers (Current Series)

August 2018 =252.146

August 2019 = 256.558

Difference = 4.412 (256.558 - 252.146)

CPI Increase = 1.75% for 12 Month Period (4.412/252.146)

Rental Rate Increase = 1% + 1.75% = 2.75%

OPTIONS Three (3) Five (5) Years Options

ROFR None SUBJECT PROPERTY

This information has been secured from sources we believe to be reliable but we make no representations or warranties, expressed or implied, as to the accuracy of the information. Buyer must verify the information and bears all risk for any inaccuracies.

5 | SECURE NET LEASE GARY/CHICAGO INTERNATIONAL AIRPORT

WATER TREATMENT PLANT

THEA BOWMAN HORACE MANN LEADERSHIP ACADEMY HIGH SCHOOL METHODIST (1,450 STUDENTS) (1,786 STUDENTS) HOSPITALS (509 BEDS) GARYLIGHTHOUSE COLLEGE WESTBROOK BORMAN PREPARATORY ACADEMY APARTMENTS SQUARE PARK (1,541 STUDENTS) (492 UNITS) WESTSIDE LEADERSHIP ACADEMY (755 STUDENTS) BEVERIDGE ELEMENTARY SCHOOL (614 STUDENTS)

GARYCOMMUNITY SCHOOL CORPORATION (4,850 STUDENTS) FRANKIE 6 | SECURE NET LEASE MCCULLOUGH ACADEMY (275 STUDENTS) SITE OVERVIEW BMO HARRIS BANK | GARY, INDIANA

2004 YR BUILT / RENOVATED

±1,634 SF BUILDING AREA BRIDGE STREET ±0.57 ACRES LAND AREA MONUMEN

NEIGHBORING RETAILERS T

McDonald's Rally's SIGN Family Dollar Little Caesars Pizza Rent-A-Center Walgreens 5TH AVENUE Subway Staples WABASH AVENUE Walmart Supercenter Dollar Tree Michaels Citi Trends

SUBJECT PROPERTY

This information has been secured from sources we believe to be reliable but we make no representations or warranties, expressed or implied, as to the accuracy of the information. Buyer must verify the information and bears all risk for any inaccuracies.

SECURE NET LEASE | 7 LOCATION OVERVIEW BMO HARRIS BANK | GARY, INDIANA

DEMOGRAPHICS 1-MILE 3-MILE 5-MILE

POPULATION 7,697 39,331 102,071

HOUSEHOLDS 3,371 16,945 42,187

AVG. HH INCOME $49,042 $44,227 $50,546

TOTAL HH EXPENDITURE $144.71 M $680.4 M $1.85 B

VIEW MAP

ECONOMIC DRIVERS (# of Employees)

United States Steel Corp Family and Social Services Administration, Indiana (1,300) Edgewater Systems For Balanced Living, Inc. (264) The Methodist Hospitals Inc Water Street Healthcare Partners, LLC (800) City of Gary (4,500) Northern Indiana Public Service Company (586)

Gary Community Schools Corporation (1,600) Illinois Central School Bus LLC (350) G.D. Leasing of Indiana, Inc. (1,500)

8 | SECURE NET LEASE LOCATION OVERVIEW BMO HARRIS BANK | GARY, INDIANA

GARY INDIANA

77,416 POPULATION $29,293 MEDIAN HOUSEHOLD INCOME

Gary sits at the southern end of Lake Michigan, 25 miles east of Chicago. The city is 14 counties in the states of Illinois, Indiana and Wisconsin. The Chicago metro area has known for its large steel mills and was founded and funded by the industrial colossus one of the world's largest and most diversified economies, with more than six million U.S. Steel—chairman Elbert H. Gary, for whom the town is named.Anumber of new full and part-time employees. The region is home to more than 400 major corporate headquarters, including 31 in the Fortune 500. Chicago was ranked the #1 "City for Having it All" by Time Out. The city is known for its unparalleled culture, diversity and The region is home to more than 400 major corporate headquarters, quality of life. With over 26 miles of lakefront and 600 parks, it boastsawide variety of including 31 in the Fortune 500. outdoor activities. Chicago is also home to 62 museums, including The Art Institute of Chicago, The Field Museum of Natural History and The Shedd Aquarium. community initiatives and institutions, including Art House, run by Chicago's Theater Gates are adding to the cultural development of the city. Further north on Gary’s Jackson5GARY IS THE BIRTHPLACE OF THE JACKSON 5. waterfront, an area called has always attracted Midwestern vacationers and second-homeowners from Chicago. Additionally, Gary is dotted with architectural gems such as the Gary Aquarium and the Pavilion. Gary is an integral part of Northwestern Indiana’s region rich with opportunity, natural lake landscape, and CHICAGO IS HOME TO THE 2,200,000 SQUARE-FOOT McCormick MCCORMICK PLACE, THE WORLD'S LARGEST CONVENTION a strong legacy. Its prime location also presents the advantages of transportation Place CENTER. infrastructure. Chicagoland, the metropolitan area of Chicago and its suburbs, covers

SECURE NET LEASE | 9 IN THE NEWS BMO HARRIS BANK | GARY, INDIANA

LAKE COUNTY DECLARED AN ECONOMIC CHICAGO VOTED BESTBIG CITY BY ‘CONDÉ DEVELOPMENT DISTRICT DEVELOPMENT NAST TRAVELER’ READERS FOR THE THIRD YEAR RUNNING Giavonni Nickson, October 8, 2019 (The Chicago Crusader) Jay Koziarz, October 7, 2019 (Curbed Chicago)

The U.S. Departmen t of Commerc e has declare d three Indian a countie s an For th e third year in a row, Chicag o was named the best big city i n the U.S. by Economi c Developmen t District . Lake, Porter, and LaPorte countie s each the readers of Cond é Nast Traveler. The popular trave l magazin e recognized received the designatio n and expect it will open doors to federal fundin g for the city as “a world-clas s destination” wit h impressiv e architecture , museums, culinary scene, and “some of th e most pleasan t people you’ll find anywhere.”

These slated plans will fully support Gary’s “Revitalize the City” The publicatio n collecte d votes from a record 600,00 0 subscriber s for this initiatives. year’s Readers’ Choice Awards. The Second City agai n held on to the first spot, retainin g its best big city crown from 2018 and 2017. In 2016, Chicag o was economi c developmen t plannin g and projects. runner-u p to New York—whic h slippe d to seventh place in this year’s rankings. The designatio n was made by th e Economi c Developmen t Administratio n in the U.S. Departmen t of Commerce. Chicago will always roll out the welcome mat for visitors and continue showcasing the sights and sounds of our world-class institutions and U.S. Economi c Developmen t Divisio n (EDD) define s Economi c Development cultural life throughout our dynamic neighborhoods and communities, District s (EDDs) as multi-jurisdictiona l entities , commonly compose d of as well as in our magnificent downtown multipl e countie s and in certai n cases even cross-stat e borders . They hel p lead the locally based, regionally driven economi c developmen t plannin g process that leverage s the involvemen t of th e public , private and non-profi t sector s to establis h a strategi c blueprin t for regiona l collaboration. “This wonderfu l recognitio n not only reflect s the beauty and excitemen t of our great city but also our touris m industry’ s dedicate d efforts to attrac t people Gary wil l be a part of th e strategi c blueprint , known as a Comprehensive from across the country and around the globe,” said Chicag o Mayor Lori Economi c Developmen t Strategy (CEDS) . CEDS is helpin g cultivat e a strategy- Lightfoo t in a statemen t on Monday. driven plan for regiona l economi c developmen t in NWI designe d to drive

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10 | SECURE NET LEASE CHICAGO–NAPERVILLE-ELGIN BMO HARRIS BANK | GARY, INDIANA

METRO STATISTICS

TOTAL POPULATION 9,461,105

GDP $612 B

NATIONAL ECONOMY RANKING 3rd

FORTUNE 500 COMPANIES 33

11 | SECURE NET LEASE WE LOOK FORWARD TO HEARING FROM YOU

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12 | SECURE NET LEASE