New Program to Guarantee Loans: No Collateral Necessary

NEW PROGRAM TO GUARANTEE YOUR LOANS THAT DOES NOT REQUIRE BANK INSTRUMENTS OR OTHER TYPES OF COLLATERAL Minimum is 10M and maximum is 2B. ____________________________________________ The following is a statement from the Guarantee Bank: SECURITY OF LOANS PROGRAM We can offer a security that a loan will be repaid via an agreement between the funding/lending bank and our bank. Let me attempt to outline and explain what we do at present concerning security of loans. Under the assumption there is a bank prepared to provide a loan. 1. The client has submitted its business plan to the bank for approval. The bank \"likes\" the business plan, but considers funding risky. Or maybe it is a start up company. The bank prefers to have some type of security that the loan funds will be repaid. 2. We receive the same business plan and the name of the bank and banker. 3. We contact the banker and offer that the loan funds will be secured for repayment via an agreement with another European bank (having a double A rating). 4. Answer yes or no. If not, we simply leave. If yes, we make an official proposal. 5. After the proposal has been accepted by YOUR lending bank, we arrange a telephone conference call between the lending bank, ourselves and our banker(s). 6. Our bankers confirm their intent, readiness, etc. (on our behalf) to conduct the transaction as outlined by ourselves (see attached). The bank will be very clear that direct communication between both banks is permitted, however, that we make the final decision and have to sign off on all dcouments. Without our signature, nothing will happen. Let me outline a PRESENT transaction, which we conduct right now. Bank is prepared to give an entity US$400 million as a loan, however, seeks that above-outlined agreement. Here the bank itself opens the account at our bank, and we have the management on that account and funds. However, the principal amount is secured (\"Pledged\") to the lending bank. The lending bank and ourselves agree to \"Permitted Investments\", i.e. we are permitted to utilize these funds for investments in certain highly rated securities. This is done via another and separate account (in our name). However, also this account is \"pledged\" to the lending bank. Thus creating in fact a double security for the lending bank. They love it. We conduct the purchase and sale of certain securities. However, these securiteis are pre-sold prior to being bought. The profits are transferred to a third account. However, from this third account we have to finance the underlying project. The project needs to be approved by all parties, thus: lending bank, ourselves and our bank. Full and complete due diligence is required and demanded by our bank. That means, they don\'t accept just anybody. All has to and will be screened, etc. and full disclosure must be given to the bank and us. Otherwise our bank will not cooperate. How can we work together? We need a viable project with a business plan, whereby you have a funding source (Lending bank) that provides the funds. These funds are to be placed into an account in name of the bank providing the funds, whereby we would have the management of these funds (as outlined above). These funds shall be utilized for our permitted investments. Since we bring equal parties to the table, we share equally in the profits, unless we simply begin financing projects ourselves. An other way would be, to accept clients with projects and a lending bank and then follow the above-outlined structure. We always will be and remain in control. Both parties bring equal parties to the table, thus share equal. \"Problems\" usually occur,because one party does not want to disclose to the other party what their capabilities are and/or there is no trust. We offer the following: 1. We will arrange a telephone conference call between you, ourselves and our banker in Switzerland. Our banker will confirm our capability as outlined herein. However, We will not release the contact numbers of our banker.(yet). We will utilize the general telephone number of the bank, so you really know that it is a real bank we are contacting. We wil explain to our banker the purpose of the telephone call, i.e. a possible business relationship between us, whereby we will provide the collateral for projects, etc. and seek our assistance to conduct them in accordance to the herein outlined procedure. 2. You arrange same for us. 3. Then we know and we work on a transaction together. Details can be agreed upon. A Project is no problem whatsoever. There are more than enough projects. The question is: What type of projects is the bank interested in to provide funding for? We will stay away from projects requiring billions of dollars, since they are often not real and realistic. Projects requiring $10 million up to $2 billion are usually real and realistic. Remains the question: What type of projects? Commercial: like hotels, resorts, infrastructure, etc. Humanitarian: Schools, hospitals, research, housing, etc. Government: usually the most difficult ones, thus not really interested. However, we could get a very interesting project with full support of the US Government and local Government. Project is in former Eastern Europe like Kosovo and surroundings. First and foremost, we have to establish the credibility of both parties. We have made a suggestion. That suggestion is the only way both parties can establish their creditbility. Secondly, we need to know exactly what type of projects can be financed, prior to any communication as proposed by us. The projects have to be agreeable to all parties involved. Agreements can be entered into AFTER both have established their credibility. No need to do a lot of work, if nothing will come from it. A formal outline of this program is available upon request. The contents of this Program description and Outline are for informational purposes only and are not be construed as an offer or solicitation. Funding terms and conditions may vary from time to time and may change without notice, and may not contain all of the applicable terms. Funding criteria may require periodic adjustments. Contact: Ken Heller International Commerce Facilitator Tel. (595) 981-960-456 Fax (1) 240-536-3267 e-mail: