EZ HEDGELOAN
(options hedge security, prepayable)

Requirements for consideration in underwriting:

NYSE, AMEX, NASDAQ NMS, NASDAQ small cap, OTC Bulletin Board, OTC Pink Sheets

Average Daily Volume X Price: At least $50,000

Features / Benefits:

Interest Rate: Varies. Reflects the cost to produce a quality, secure hedge using private, usually investment-grade-rated options. Currently around 7.9%-11.9%

LTV’s from 50-80% in a nonrecourse loan package - Retire margin debt and get more cash with advance rates up to 80% against your stock in a limited recourse package.

Pay your loan principal off early - Use your stock for a 6 or 12-month bridge loan while anticipating other financing like real-estate or other closings. If your stock goes up you may qualify for credit increase quarterly or pay off your balance to remove the hold on the stocks.

Full upside participation available for EZ Flag HedgeLoans- you keep all upside performance in your stock, no matter how high it goes. This can be used to retire your note or simply draw more cash quarterly.

Lowest Rates for EZ Cap HedgeLoans - When you want the best possible interest rate or if your stocks do not qualify for an EZ Flag HedgeLoan, our EZ Cap stock loans give you the best of both worlds. Available for weaker stocks in most cases.

Limited-recourse, non-callable – no margin calls, no house calls for good stocks; generous call conditions for others.

Always limited recourse (nonrecourse) - If your stock depreciates you have the choice to default without attachment of other assets or effect to your credit rating.

Quarterly review of asset-performance for credit increase - If your stock performs well, you may qualify for more cash with a simple request.

All dividends paid to client or apply to loan balance – apply your dividends to your loan or pocket the dividend income- the choice is yours.

Interest can be paid monthly, but also quarterly or with an interest reserve – choose how you want to service the loan based on your personal cash flow situation.

Quarterly Account Statements – you will receive quarterly account statements to monitor the performance of your asset versus your obligation.

E-mail us or Call 1-800-244-7616 for more information; or use our online HedgeLoan application here for quick response.

(Click for information on Flag and Cap HedgeLoans)

(Click information on Flex HedgeLoans)