Cohen Financial Group has direct partnership with a Hedge

1. Underwriting Fee: $7,500.00

2. (.5%) of Loan Amount. CD/Bond Deposit (Escrow Account)

3. $25k fees for Loan Amounts from $1 million to $49 million

4. $35K fees for Loan Amounts exceeding $50 million and up

5. Approved Loan Contract with any additional documents

required. Client will have 3 days to review and sign Loan

Agreement and forward required Bond fee. Conference call is

schedule with Hedge Fund Manger, Borrower and Cohen

Financial Group to discuss Loan terms and answer general

questions.

6. Final Underwriting Process and Insurance underwriting

usually last 2-3 weeks. The Hedge Fund Manager issues CD

Bond to Investor, as the Investor will email documents directly to

Cohen Financial Group for final review. Then signing date

schedule by Cohen Financial Group. Completed signed

documents will be overnight to Bank and within 72 Hour funding

will take place. Funds wired for Project.

Commonly Asked Questions

Who is the Hedge Fund?

It is a Major Wall Street and European Hedge Fund with offices

in the United States and Belgium. This is disclosed at time of

engagement.

How does the CD/Bond get issued?

The CD/Bond is issued at the time the contract is signed in the

full loan amount. The CD/Bond matures in 5-10 years.

How does the procedure work?

All projects must have an executive summary and full

professional Business Plan to submit. Non Circumvention and

Disclosure Working Agreement is executed with fees included,

funds wired, project submitted. We will hear approval or

rejection within 24-48 hours. If approved, conference call takes

place with Principal and Hedge Fund Managers, all Due

Diligence questions are addressed (note: no financial

obligation at this time). Principal may also request a direct

conference call with the Hedge Fund Manager to workout any

unanswered questions.

When is the Loan Contract Agreement Issued?

LCA is issued after the review process of the project. They have

7 days to respond, terms are stated in the LCA. Hedge Fund

deposit of 2% is released 60-90 days after loan funds.

How soon is funding accomplished?

Funding is usually 30-60 days from signed LCA; hard contract

is signed within a few weeks of LCA return. Hard contract will

state Loan Funding Date.

Contact your Loan Advisor at Cohen Financial Group

Toll Free: 1800-928-6154.

Stocks and Bond Hedge Fund

Four Outstanding Loan Families

1) Flagship HedgeLoan

Our Pimary HedgeLoan stock loan allows the borrower to

enjoy all of the upside growth of their portfolio over time at a

up to 85% loan-to-value standard. Interest may be accrued

into a balloon payment at the end, when your shares may

have risen in value, or paid quarterly. Investment-grade option

hedges are standard on all shares for superior security. No

margin calls. Perfect track record of execution since 1999.

The original HedgeLoan, trusted by hundreds of borrowers.

Learn more 1-800-928-6154

2) Capped HedgeLoan

Our Capped HedgeLoan (or Cap for short) stock loan is

identical to our Flagship stock loan, except that instead of

having all upside growth (appreciation) go to the account of

the client, the upside is capped at an agreed-upon

percentage. All upside under the cap goes to the

client/borrower at loan maturity. Limited recourse, no margin

call stock loan standard. Negotiable cap, Lower interest rate.

Sister program to our Flagship HedgeLoan. Learn more

apply online

3) Freedom HedgeLoan

Up to 80% loan-to-value with low interest and the right to pay

loan off at any time — that’s our Freedom HedgeLoan. Pay

down your interest or principal monthly, quarterly, or semi-

annually, or wrap it in a balloon at the end. All growth in

portfolio to the account of the borrower (full upside), with no

margin calls. Broad eligibility. Very strong, carefully aligned U.

S-backed fund-backed hedging for maximum security.

Prepayable with nominal interest penalty. Learn more

4) Flex HedgeLoan

Lowest interest with lower loan-to-value and stock loans

available to a wider variety of securities including pink sheets

- these are the characteristics of our Flex HedgeLoan. Very

large upside caps 100% (doubling of stock value per year

cap); all offers capped. Lower loan-to-value. Cash, fund and

Packaged Product Solutions

Nothing displays the versatility of HedgeLoan financing more

clearly than when we apply our nonrecourse stock loan to

various common (and uncommon) financial challenges. Learn

Greater cash distributions

Sinking fund option

No-cost access to accumulated equity (no refinance needed)

Low-cost access to appreciated equity (no refinance needed)

Debt service paid QUARTERLY and in arrears

No balloon payment provision

Non-real estate projects can be funded

Real Estate Sale Leaseback

Real Estate Sale Leaseback

Funding for projects from $2MM to $100MM