General Loan Eligibility Criteria

Summary:
Most U.S. securities, including bonds, both corporate and government (e.g., municipal bonds); Treasury bills, Treasury strips, all types of mutual funds; and all stocks with established public markets. Quality and size of the portfolio determines offer, and verification of the owner and his/her securities is required. For loans with limited recourse features, a public option must be available.

NOTE: Any eligible stock ticker for which there is an existing public option can be considered for a Premier HedgeLoan structure providing limited recourse in default. Contact us for more.

No private or non-trading stock is accepted at this time. No bank guarantees, warrants, MTN's, or standby letters of credit accepted as collateral. Foreign shares acceptable. Please inquire for latest status. (Note please: This should not be construed as a recommendation to purchase or not purchase any particularly security, but is for general illustrative purposes onkly. HedgeLender LLC does not offer any form of financial advice, securities buy-sell advice, insurance products advice, or investment or tax advice of any kind. Borrowers are expected to consult with a licensed professional in their state of jurisdiction for advice and guidance in these areas.)

Minimum Value of Collateral Securities, Total:
$100,000. Note please that our highest LTV, 95%, is for federal securities such as T-bills. The normal maximum for all other cases is 85% of portfolio value.

Volume:
$100,000 per day trading on average, minimum. (Price * Average Volume = Average Daily Trading Amount).

Price:
$5 per share. Best offers over $8/share. For portfolios with lower prices, we can refer client to a sister company's lending program. Inquire for more information.

Other:
Shares with public options are required for limited-recourse-in-defualt structure. (More)

GENERAL NOTES:

We recommend that you check the historical data on your securities before requesting your loan quotes so that you can see the same data that will be used to underwrite your loan. Yahoo Finance and many other online databases make this information available for free. Check the minimum average loan volume and price history a to obtain a general idea of the strength or weakness of a portfolio as loan collateral.

Best rates and terms come to those securities with good demand, that is, with strong and steady volume and price and relatively low volatility (few extreme, dramatic swings in price over short periods). Prices over $8/share typically get the very best loan quotes as long as volatility is low and volume is strong and steady. Most "blue chip" stocks would fall into this category, and many mid-tier stocks/securities on all exchanges as well and even a large number of OTC shares. Larger portfolios normally receive the most flexible consideration from your lender..

However, there is a wide range of criteria and conditions to be considered and the criteria you see on this page represents only general statements. Other notes:

• All applicants will be required to deliver proof of securities in advance via an account statement.

• Please recognize that each stock, bond issue, or mutual fund etc. will have its own unique characteristics and many of these securities may find themselves eligible for a quote despite missing these general criteria guidelines.

• HedgeLender LLC has access to multiple institutional loan features and programs. Your one application is all that is necessary to be considered for all of these programs and features. We can facilitate a stock loan or securities finance program customized to a wide range of securities.

Please contact us and let us know how we might be of assistance.