H-SEP Program Example
Assume your home has a market value of $100,000 you currently owe $20,000 on your mortgage, with no additional liens. (Liens do not automatically disqualify an applicant, provided sufficient equity exists or the applicant agrees to have liens paid off from the offered lump sum in initial sale.)
If you are pre-qualified, approved, and choose to accept an H-SEP Program Client Offering, the transaction may work as follows:

• At the initial closing, we pay off the remaining $20,000 mortgage balance.
• We provide you with an additional $50,000 lump-sum payment from the available equity.
• Ownership and title to the property transfer to us at the initial sale closing, and your lump-sum payment is disbursed at that time.
• As provided under the H-SEP Agreement, the home is then re-listed for sale, typically through the same licensed real estate professional, and remains listed until sold.

If the home later sells for $100,000, the sale proceeds may be distributed as follows:

• $20,000 applied to the mortgage payoff,
• $50,000 applied to the lump-sum equity payment provided to you in initial sale,
• $8,400 retained as a fixed fee (fixed fees and sliding scale fees vary and are set forth in each H-SEP Program Client Offering and H-EP Program Client Agreement),
• The remaining $21,600 in net proceeds left over is paid to you as net proceeds, less any applicable closing costs, costs, charges, and fees including third-party charges and fees.

Net proceeds are typically paid to you by check or ACH transfer within 48 hours of the final sale closing and receipt of funds. This H-SEP Program Example is for example purposes only; there are no guarantees, actual SEP Programs including H-SEP Program offerings, agreements, terms and conditions, structure, approval, acceptance, and outcomes are not guaranteed and may vary. 

Understanding SEP Programs​
Introduction
SEP Programs (Sale Equity Purchase Programs) are structured as home or asset purchase options, not as loans, financing arrangements, mortgages, or credit products.
SEP Programs allows eligible owners to:

• sell their property or asset to us in an initial sale,
• receive a lump-sum payment from available equity, and
• receive remaining net proceeds after the asset is sold to an end buyer.

SEP Programs are designed to unlock capital without creating debt.

What SEP Programs Are
SEP Programs are purchase arrangements in which King Invo, or one of its affiliated funds, purchasers, agents, entities, or contracted parties, may buy your property or asset.
Under a SEP Program:

• ✔ You sell your home, land, commercial property, commercial business, equipment, yacht, boat, or other qualifying asset to us.
• ✔ You receive an upfront lump-sum payment based on available equity after pre-qualification, approval, acceptance of a Client Offering, execution of a Client Agreement, and the initial sale closing.
• ✔ After the asset sells to an end buyer, you receive the remaining net proceeds, after all applicable costs are paid, the terms and conditions of which will be provided in your SEP Program Client Offering and SEP Program Client Agreement.
• ✔ SEP Programs are not loans, not advances, not financing, and not mortgages. They are purchase transactions.

How SEP Programs Work
1. Pre-Qualification Application & Full-Qualification Application You begin by submitting a SEP Program Pre-Qualification Application Form.
Your application may receive a pre-qualification approval or denial, typically in as little as 20 minutes, processing times may vary.
During this phase, we collect information about your property or asset, such as:

• estimated value, and
• known, mortgages, loans, liens or encumbrances.

This information is used solely to determine preliminary eligibility for a SEP Program.

2. Review & Client Offering
Following pre-qualification approval, King Invo or its affiliated entities and/or parties may or may not issue a SEP Program Client Offering.
If issued, a Client Offering may include:

• ✔ the upfront lump-sum payment amount,
• ✔ payoff of existing liens or mortgages (if applicable),
• ✔ estimated net proceeds upon final sale, and
• ✔ fixed or variable handling fees or charges.

You are not obligated to accept any Client Offering.
You are encouraged to review all terms carefully and may seek independent legal, financial, and professional counsel before acceptance.

3. Initial Sale & Closing
If you accept a SEP Program Client Offering, a SEP Program Client Agreement may be issued.
Once the SEP Program Client Agreement is executed by all applicable parties, the transaction proceeds to closing.
At the initial closing:

• ✔ title and ownership transfer to King Invo or its designated purchaser, entity, or party,
• ✔ existing liens or mortgages (if applicable) may be paid upfront by us, or with your lump sum purchase proceeds, or at final closing as is negotiated by us with you, and/or your lender(s, and lien holder(s,
• ✔ your lump-sum payment is disbursed, and
• ✔ the property or asset is listed for sale to an end buyer, using licensed professionals when required.

4. Final Sale & Net Proceeds
After the initial purchase, the property or asset is marketed and sold to an end buyer.
At final sale closing:

• ✔ sale proceeds are applied first to closing costs, fees, charges, repairs, inspections, appraisals, and other applicable expenses, and third-party expenses, as provided in your agreement,
• ✔ any agreed-upon fixed or variable fees are applied, and
• ✔ remaining net proceeds, if any, are paid to you by check or ACH transfer in accordance with your SEP Program Client Agreement.

Net Proceeds - Definition
Net proceeds - are the remaining capital left over after all costs, closing costs, charges, fees, and expenses, including third party charges and fees, are deducted, as are necessary or applicable, as outlined in your SEP Program Client Offering and/or SEP Program Client Agreement. Final proceeds may be more or less than estimates provided earlier including those provided in your SEP Program Client Offering due to market conditions, sale price, charges, fees, time period until final sale, and actual expenses.
There is no guaranteed outcome(s.

Not Credit or Financing Products
SEP Programs do not create debt, monthly payments, repayment obligations, or interest. Ownership transfers at the initial sale closing.

No Interest or Loan Terms
SEP Programs do not involve interest rates, APR, amortization, or loan repayment schedules. You are not borrowing money.

Each SEP Program involves:

• Client Pre-Qualification Application - Approval or Denial
• Client Full-Qualification Application - Approval or Denial
• Upon both Pre-Qualification and Full-Qualification Application Approvals a SEP Program Client Offering is initiated
• Upon review and Acceptance of the SEP Program Client Offering a SEP Program Client Agreement is initiated
• Upon SEP Program Client Agreement execution by all applicable Parties, sale processes and subsequent closing commence
• Upon initial sale closing and transfer of ownership, the initial sale upfront lump-sum payment is disbursed 
• Upon final sale and closing to the end buyer, any remaining net proceeds are disbursed, typically within 48 hours of final sale closing and receipt of funds

No sale, closing, or payment occurs until SEP Program Client Agreement(s are reviewed, accepted, and executed by all applicable Parties. You may consult independent counsel at any time.

Types of SEP Programs Offered
King Invo offers multiple SEP Programs tailored to different asset types, including:

• H-SEP Program — Home Sale Equity Purchase
• L-SEP Program — Land Sale Equity Purchase​
• LD-SEP Program — Land Development Sale Equity Purchase

Each follows the same core structure, with variations based on asset type, Program type, and costs including third party costs.

Important Considerations
Market Conditions
Asset values fluctuate. Final sale prices and net proceeds may differ from initial estimates including those provided in your SEP Program Client Offering.

Tax Implications
Tax consequences vary by individual, asset type, and program. You should consult a qualified tax professional.

No Guarantee of Approval or Proceeds
Pre-qualification, approval, or issuance of a SEP Program Client Offering, or a SEP Program Client Agreement is not guaranteed.
All decisions are made at the sole discretion of King Invo and/or its affiliated entities and parties, initially, and in accordance with applicable SEP Program Client Agreement(s upon execution of such.

Transparency & Consumer Rights
You are encouraged to:

• ✔ ask questions,
• ✔ seek independent advice and counsel,
• ✔ compare SEP Programs with other sale options.

Understanding the structure of the transaction is essential before proceeding.

Summary
SEP Programs allow owners to unlock equity through a true sale to King Invo and/or its affiliated entities and/or parties, receive an upfront cash payment, and receive remaining net proceeds after resale when applicable and available.
These are purchase arrangements, not lending or financing products.