FLAG and CAP HedgeLoan
(Flagship 90% LTV stock loan and Capped variant)

Requirements for consideration
in underwriting:

NYSE, AMEX, NASDAQ NMS, NASDAQ small cap, OTC Bulletin Board,
some OTC Pink Sheets, and most foreign shares.

Average Daily Volume of $200,000 or greater

Features / Benefits:

Interest Rate range: 8.25% - 8.75% (CAP); 9.8-13% (FLAG).

LTV of 90% for both FLAG and CAP: Retire margin debt, buy a property, expand a business and get more cash with rates of 90% LTV against your stock, instead of 50% offered in margin accounts.

Non-Callable. These loans cannot be called for any reason, regardless of how low prices drop.

Offers available on a wide range of U.S. shares and exchanges in Great Britain, Australia, New Zealand, and Japan.

Get lower rates and up to 90% cash with a Cap. Cap the upside growth on your portfolio while we hold it as collateral, and get a lower interest rate in return with the same 90% cash. If you think your stock's price will stay stable or decline during the loan term, a Cap HedgeLoan may be right for you.

Get Full-upside cash with a FLAG HedgeLoan. If you expect the stock price to rise dramatically during the loan term, consider a FLAG HedgeLoan, with unlimited upside growth in the portfolio to the borrower's account and 90% LTV, in exchange for higher interest rates.

Limited-recourse. If your stock depreciates you have the choice to default without attachment of other assets or negative effect on your credit rating.

All dividends applied to loan balance. Apply your dividends to your loan's accrued interest.

Interest can be paid quarterly or accrue. Choose how you want to service the loan based on your personal cash flow situation. Just let us know.

Quarterly Account Statements. You will receive comprehensive quarterly account statements to monitor the performance of your asset versus your obligation, so that you remain in the driver's seat until the loan is paid off.

Multiple exits. Ask us to sell some of the stock to pay off the loan; or walk away form repayment by exercising the nonrecourse provision. If your stock has appreciated in value over the loan term, consider renewing your loan on the same terms.

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 EZ HedgeLoans)

(Click information on Flex HedgeLoans)