Officers of the Manager

Rebecca J. Manning

Ms. Manning serves as Senior Managing Director, United States, of EJF Investments Manager LLC. Ms. Manning joined EJF Capital in 2007. Prior to joining EJF Capital, Ms. Manning was an Associate Director in UBS CDO Research, ranked number 1 by Institutional Investor in 2006 to 2007.

While at UBS, she co-authored "Developments in CDOs: New Products and Insights" and wrote articles for several books and publications, including the Journal of Portfolio Management. Ms. Manning was formerly an Associate in FBR's Real Estate Investment Banking Group. She has an MBA from The Wharton School at the University of Pennsylvania and a BS cum laude in Civil Engineering from Cornell University.

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EJF Investments Ltd has been established in Jersey as a listed fund under a fast-track authorisation process. It is suitable therefore only for professional or experienced investors, or those who have taken appropriate professional advice. Regulatory requirements which may be deemed necessary for the protection of retail or inexperienced investors, do not apply to listed funds. By investing in this fund you will be deemed to be acknowledging that you are a professional or experienced investor, or have taken appropriate professional advice, and accept the reduced requirements accordingly. You are wholly responsible for ensuring that all aspects of this fund are acceptable to you. Investment in listed funds may involve special risks that could lead to a loss of all or a substantial portion of such investment. Unless you fully understand and accept the nature of this fund and the potential risks inherent in this fund you should not invest in this fund.