TERMS

Annual Rates Of Interest
Most loans would have fixed interest that are usually based on LIBOR plus a margin from 1.5%
to 3.5%  Prime Rate plus a margin may be used when working with U.S. groups.
( Contracts will fully disclose )

Repayment
Typically, loan amounts range from 80% to up to 97% of the business value,
with a term of 5, 7, 10, 15 or 20 years, and with 15 to 30-year amortization schedules with 18 month moratoriums
on new construction , Terms and conditions are subject to alternation and depend on the current financial market
situation.  

Repayment Conditions
Single annual re-payments in arrears for the interest amount only during the term of the funding with the
principal not due until the end of the term of the funding plus one day. Grace periods for repayment are negotiable
and relate to the type of project. Terms and conditions are subject to alternation and depend on the current financial
market situation.

Collateral
NO personal guaranties requiring a first mortgage, lien, UCC Filing, etc. on projects' current and/or future assets
and/or equity.