Market up? Market Down? Relax. With your HedgeLoan stock-secured loan in place, you get the best of both worlds. Set a floor and lock in your loan value in a falling market; tap your stocks for cash right now and enjoy growth in a rising market. Either way, you are in control.

Only Programs that Make the Grade. HedgeLender constantly evaluates and re-evaluates its lending programs to ensure that only the most dependable, best-managed structures earn the title HedgeLoan®. If any program is unable to maintain those standards, it is terminated.

Not One, But Several Term Sheets. Quickly get up to twenty custom-designed term sheets for your eligible stock portfolio, each one with different features and terms. It's our obligation and your right at HedgeLender.

More Features Standard. At HedgeLender, the strongest stock-secured loan programs in the industry have been marshaled to provide maximum choice for you. Our goal is to help you build the loan you want rather than forcing you to accept those you don't. Basic feature include:

• Industry's highest loan-to-value - 90%
• Early payoff freedom - several flexible programs
• Dividend pass-through or credit to balance
• Limited recourse - walk away, no negative credit
• Full portfolio appreciation or trade off with caps
• No margin calls - if stock price drops

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Easy Eligibility. Your HedgeLoan offer will be a "cafeteria-style" mix of loan terms, prices, and features in different weights, allowing you as borrower to fine-tune the loan to your priorities with loan quotes built on a rich platform of standard features and HedgeLender's renowned personalized service guarantee. We accept for review all forms of free-trading (and some restricted) stock and stock options, both U.S. and non-U.S. (Criteria)

If it's a well-managed stock-secured loan, we have it. Thanks to our long-standing relationships with expert U.S-based funds management, you can expect superior HedgeLender quotes every time, quotes that are the best in the business for price, terms, history, compliance and management for any equivalent portfolio.

HedgeLender's Packaged Product Solutions:

• Margin Release Hedgeloan - end margin calls
• Stock Options Loan - execution price bundled into loan
• Diversification HedgeLoan - spread your investments
• IRA HedgeLoan — to supercharge your IRA!

Next Steps...

• Review our presentation in Acrobat or in Powerpoint
• Listen to our interview on American Airlines SkyRadio
• E-mail us your questions to get started
• Become an Affiliate and earn generous residuals
• Call us at 1-877-345-0008 to get answers

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