Doctors... Use Your Investments As Collateral and Borrow Money At Low Interest Rates With Terms Up To 10 Years.

Benefits:

• Stock Loans Interest Rates Between 2.5% and 4.5% - Fixed!
• Stock Loans No Points or Closing costs!
• Stock Loans Aggressive LTV Up To 80%!
• Stock Loans No Credit History and Income Required!
• Stock Loans Interest-Only Quarterly Loan Payments!
• Stock Loans Funds For Any Purpose!
• Stock Loans Fast Close - Matter of Days!
• Stock Loans Receive All Dividends and Upside Market Appreciation!
• Stock Loans Loan Terms of 3, 5, 7, or 10 Years!
• Stock Loans Non-Recourse Loan, No Collateral Except The Pledged Securities!

How It Works:

• Securities information is provided from the borrower. (A recent monthly statement works best.)
• The loan-to-value ratio and the interest rate are determined by what securities are pledged. The more liquid and actively the traded securities are the higher the loan-to-value ratio and the lower the rate.
• Term Sheet/Loan Commitment is then issued.
• Borrower reviews and approves the Term Sheet/Loan Commitment.
• Conference call is placed to answer any questions.
• The Pledge Agreement and Contract are forwarded to the borrower for signatures.
• The securities are then transferred to the lenders brokerage account.
• Lender tracks the closing price of the shares for 3 days to obtain an average price.
• The loan is then disbursed based upon the loan-to-value previously agreed upon.
• Borrower makes Interest-Only quarterly payments.
• During the loan term prepayment of the loan is not allowed.
• Dividends from the securities is credited to the quarterly interest-only loan payment first and any excess is returned to the borrower.
• Default trigger is set at 80% of the loan amount ­ not 80% of the securities value like typical margin loans. For example: securities value of $1MM, loan of $800k, default trigger at $640k (80% of the loan amount). If the securities value fell below $640k the borrower could walk away from the obligation of repayment of the loan and keep the original loan proceeds ($800k) or contribute cash or securities to bring the value back up to $640k. The borrower would forfeit the collateral. Unlike margin loans this is a non-recourse loan so there is no personal liability should a default on the loan occur.
• At the end of the term the loan is paid in full and the shares are returned to the borrower.
• The loan may also be extended or refinanced.

The time frame for funding may be as little as 5-7 days.

Qualifying Securities:

• Publicly and Actively Traded Stocks!
• Mutual Funds!
• Bonds!
• Treasury Notes (Not Restricted)
• Most Foreign Securities Acceptable.

What Can Not Be Used As Collateral:

• Retirement Funds!
• 401(k)'s, IRA's or Restricted Retirement Funds!
• Money Market Accounts!
• CD's!
• Annuities!
• Gold or Silver Mines!
• Commodities!
• CMO's!
• SBLC's!
• Bank Guarantees or Warranties!
• Private Notes or Private Bonds!
• Bonds Coming Due Within 3 Years!
• Bearer Bonds!
• Minimum Loan Amount $100,000
• Minimum Loan Term 3 years
• Minimum average trading activity on stocks must be $50,000 per day. (Average volume x current share price.)
• Borrower must have proof of ownership of the securities.

No Credit History, No Income, No Employment, No Intended Use Of Funds!