The RCG Companies, LLC is a triple-bottom line company that provides management and

strategic planning for a group of affiliated companies in the areas of real estate consulting,
development and mortgage lending, whose mission is to offer a broad range of real estate
services and participate in the sustainable restoration of housing markets.

Recognizing that we are in an increasingly difficult and complex real estate environment and real
estate investors require sophisticated methods of analyzing opportunities, assessing risk and
managing development projects. We are interested in speaking with you about our service
offerings; and how we might assist you in successfully meeting your goals and objectives.

RCG offers the following value-added services:

Transaction and Investment Analysis: Development Management:

• Commercial Real Estate Cash Flow • Development Team Selection and
Projections Supervision
• Development Modeling for • Negotiation of Fees and Scope of Work
Residential, Retail, Multifamily, • Oversee the Entitlement Process
Mixed-use, Hotel and Affordable • Structure and Administer a Critical-
Housing Projects Path-Method Schedule
• Commercial Income Modeling • Manage Private and Public Programs
• Detailed Partnership Analysis Funding Compliance
(including equity partners preferred • Design and Construction Coordination
and waterfall based profit distribution) • Project Close Out
• Disposition Strategies

Financial Management:
• Design and Implement Standard Financial Operating Procedures
• Pre-Audit of Financial Statement and Accounting Procedures
• Regulatory Compliance
• Internal Control Moderating
• Manage Eternal Relationships – Audit, Tax and Banking

We thank you in advance for the opportunity to speak with you and invite you to visit our web
site at www.rcg-companies.com to learn more about our firm and its principal partners. You can
contact me at 973-509-4635.

Christopher Garlin
President

26 Park Street ▪ Montclair, NJ 07042

Tel: 973-509-4635 ▪ Fax: 973-233-1236
rcg@rcg-companies.com
www.rcg-companies.com
Christopher Garlin, co-founder of The RCG Companies, LLC, is a seasoned and accomplished
real estate executive with more than 20 years of diverse industry experience that spans real estate
development, investment and finance. He has successfully developed and financed multi-million
dollar projects through collaboration with government officials, community-based organizations
and project professionals.

As director of the Domus Corporation from 1995 to 2004, a housing development firm, Garlin
was responsible for the development of several hundred housing units, including family, senior
and special-need housing, located throughout northern New Jersey. He successfully secured
millions of dollars in project funding from various federal, state and local programs, as well as
from private sources.

At the Community Preservation Corporation from 1989 to 1995, a private lender specializing in
construction and permanent financing for low- to middle-income housing throughout the region,
Garlin originated financing for projects ranging from the condominium conversion of a building
located in the historic Hamilton Heights section of Manhattan to a major mixed-use, multi-
building project on West 135th St.

Garlin has served on the community advisory boards of several major banks, including PNC,
Chase and Sovereign. He is a member of the Montclair Housing Commission; a Board Member
with Brand New Day, Inc., a community development corporation based in Elizabeth, N.J.; a
past president of the Housing and Community Development Network of New Jersey and a
former commissioner on the Jersey City Planning Board.

Garlin is a graduate of New York University. He resides in Montclair, N.J., with his wife Regina
and their two children.

26 Park Street ▪ Montclair, NJ 07042

Tel: 973-509-4635 ▪ Fax: 973-233-1236
rcg@rcg-companies.com
www.rcg-companies.com
Regina Mincey-Garlin is an experienced corporate executive turned entrepreneur. After
spending more than 17 years in professional accounting positions, Ms. Garlin co-founded the
RCG Companies, LLC, and heads up its mortgage broker affiliate RCG Mortgage Solutions,
LLC. She has an in-depth knowledge of the mortgage industry and its myriad of lending
products and programs.

Garlin began her career in 1988 as a financial accountant with Douglas Elliman, a real estate
brokerage house in New York. While at Douglas Elliman, she excelled in financial accounting
and investment management advancing to assistant controller of Corporate Accounting. After
leaving Douglas Elliman in 1995, she joined Starwood Hotels and Resorts Worldwide, one of the
world’s largest hotels and resort companies.

At a Starwood-affiliated hotel property, Garlin served as assistant controller, managing the

accounting department while overseeing $300 million in annual revenue. Her work also
encompassed strategic planning and developing new profit centers. She was eventually
promoted to controller, then to director of Six Sigma, Black Belt. Six Sigma is a world-
renowned corporate process improvement methodology.

Garlin is a member of the National Association of Female Executives; the National Association
of Mortgage Brokers; the N.J. Chapter - National Association of Minority Real Estate
Professionals; the New Jersey Association of Woman Business Owners and serves on the New
Jersey Banking Department’s Committee for Financial Literacy.

Ms. Garlin is a graduate of Rutgers University and resides in Montclair, N.J., with her husband
Christopher and their two children.

26 Park Street ▪ Montclair, NJ 07042

Tel: 973-509-4635 ▪ Fax: 973-233-1236
rcg@rcg-companies.com
www.rcg-companies.com