Stock Loans. Restricted Rule 144 and Free trading stock loan. Financing Stock Loans
all stock exchanges. Free Trading Stock Loans to 90% LTV, Stock Loans. Restricted 
rule 144 and Free trading stock loan, Lender provides Stock Loans for Restricted Stock. 
Equipment refinancing sale-leaseback, Leasing, Line of Credit Working Capital Finance
                                                          Nationwide Since 1992

                             

OPTION   "A"   

SALE  and  REACQUISITION  of  RESTRICTED  STOCK
STRUCTURED AS A SALE AND BUY-BACK FACILITY,
PROVIDES CASH QUICKLY.

 STOCK SECURED FUNDING:

Incorporating comprehensive equities based funding solutions
for Free Trading and Restricted / Rule 144 stock. 

The following funding options are available to qualified clients, 
and securities. See the following overview of each of the 
five options.

1)    Restricted / Rule 144 Stock Secured Loans
2)    Stock Acquisition and Buy Back – Restricted Shares
3)    Free Trading Stock Secured Loans
4)    Options / Warrants Financing
5)    Margin Loan Take-outs

RESTRICTED / RULE 144 STOCK LOANS:

Restricted / Rule 144 stock secured loans are structured non-
recourse, and non-callable, and feature 2 -3 year terms with 
1 – 2 year lockup periods.  There is no upside participation of 
the stock, which means the borrower gets the full benefit of any 
appreciation of the value of the pledged stock (s) during 
the term of the loan. 

Benefits:                     Non Recourse with No Margin Calls
Stock Exchanges:      NYSE, AMEX, NASDAQ NMS,
                                    NASDAQ small cap, OTCBB, TSX, LSE
Security:                     Pledged stock is only security
Loan  Minimum:        $200,000
Loan  Amount:           A maximum loan facility of $10,000,000
                                    USD per loan - larger loan amounts for
                                    borrower provided on a per case basis
Trading Price:            $1.00 minimum
Loan-To-Value:         15% to 50% of Security’s value
Loan Term:                2 - 3 year loan, with 1 -2 year lockup
Rate of Interest:        2% over prime (variable)
Loan Repayment:      Repayment may be made following lockup
                                    period, or may forfeit Security to satisfy
                                    debt obligation, even if stock value declines
Prepayment:               No prepayment penalty following
                                     lockup period
Maximum Security:   Cannot accept more than 5% of the fully
                                    diluted total issued and outstanding shares
                                    of any one public company (per case basis)

__________________________________________________

STOCK ACQUISITION  and  BUY BACK – RESTRICTED SHARES:

In the case where a client has restricted stock that has been 
held for more than 12 months, underwriting will undertake a 
stock sale with buy back.  It is a straightforward transaction, 
and if approved, the stock will be purchased from the client at 
a discount and provide the client with a buy back option for
the same amount plus a premium, which will be equivalent to 
the current Prime rate plus 1% annualized.  The funding 
amount for this option is determined using the same funding 
criteria used for free trading shares as outlined above, 
however, institutes an annualized premium that is paid upon 
the reacquisition of the shares instead of monthly interest 
payments and stays in effect for a period of 12 months.

____________________________________________________

FREE TRADING STOCK SECURED LOANS:

Free trading stock secured loans are non-recourse, non-
callable, and open ended with no lockup period, which may be 
closes out the loan any time after 30 days, refinanced, or 
otherwise liquidated at a time that is economically 
advantageous to do so to repay the loan.  Also, there is no 
upside participation of the stock, which means the borrower 
gets the full benefit of any appreciation of the value of the 
pledged stock (s) (including any dividend payments) during the 
term of the loan.      

Benefits:                      Open Ended, Non-Recourse with 
                                     No Margin Calls
Stock Exchanges:       NYSE, AMEX, NASDAQ NMS, 
                                     NASDAQ small cap, OTCBB, TSX, 
                                     CDNX, LSE, Pink Sheets, and 
                                     certain international exchanges
Security:                      Pledged stock is only security

Minimum Loan:          $100,000 USD
Loan Amount:             A maximum loan facility of 
                                     $10,000,000 USD per loan - larger loan 
                                     amounts for borrower provided on a 
                                     per case basis
Disbursements:           Loans are provided in one disbursement
Trading Price:             $0.01 minimum
Share Volume:            5,000 daily share volume and above 
                                     (average 3-month volume)
Loan-To-Value:           30% to 90% of Security’s value
Loan Term:                  Open ended – up to 5 years
Rate of Interest:          1% over prime (variable)
Loan Repayment:        Option to repay, refinance (twice a 
                                       year), or to forfeit Security to satisfy 
                                      debt obligation
Prepayment:                 No prepayment penalty
Maximum Security:     Cannot accept as Security, not more 
                                      than 5% of the fully diluted total issued 
                                      and outstanding shares of any one public 
                                      company (per case basis)

____________________________________________________

OPTIONS / WARRANTS FINANCING:

Financing is available to clients that have vested or non-
vested options or warrants that a client wishes to exercise but 
lacks the cash to complete.  The options and warrants will 
need to be free trading upon exercising for the client to 
participate in this funding program. 

  ___________________________________________________

MARGIN LOAN TAKE-OUTS:

Providing a Free Trading Stock Secured Loan to qualified 
clients that have pledged their stock for a callable margin 
loan with a bank or brokerage by taking out the existing 
margin loan at the corresponding institution and provide a 
higher loan-to-value loan in a non-recourse and 
non-callable environment.
___________________________________________

See the Stock Information / Inquiry Form
following this Option "B" Section
___________________________________________

OPTION   "B" 

FINANCIAL PRODUCTS, SERVICES,  AND  
STRATEGIES  PROGRAM  HAS  MANY  NEW  
BUNDLED  FUNDING  OPTIONS.

       TRUE LOAN  (Restrictive stock loan for both free-trading and restricted securities)

       CREDIT FACILITIES  (Equity Lines of Credit)

       STRUCTURED BLOCK TRANSACTIONS  (Free Trading Securities ONLY)

       REG. A   and  OTHER  ALTERNATIVE  STRUCTURES  (Non-Reporting Pinks ONLY)

  TRUE LOAN (Restrictive stock loan for both free-trading and restricted securities)

The True Loan transaction is offered to all "listed" companies (Amex, Nasdaq, and New 
York Exchanges) and the shareholders maintaining stock in such issuing companies. In 
the True Loan structure, the securities remain in the client's name, with a program 
approved custodian, in an account in their name. Currently, a major brokerage acts as 
the True Loan's primary custodian.

        With the True Loan, a shareholder's securities will not, and even more importantly, 
can not be traded, sold, pledged, leveraged, hypothecated or shorted. This means that 
a shareholder (executive or otherwise) is never in danger of losing their stock (absent 
an event of default). Also, a shareholder will never see securities come back against 
them, directly or indirectly violate and SEC Laws, and can now legally receive 
non-recourse type financing from private banking/lender groups utilizing fully 
Restricted Securities without the transfer of ownership.

        The True Loan strategy is fully compliant with SEC, UCC and FRB laws, rules and 
regulations and can offer LTV's as high as 80% (with the possibility of exceeding 80% in 
unique situations) on Restricted Securities transacted in a bona-fide loan transaction. All 
rates and conditions are flexible and each transaction is designed to employ built in 
hedging features.  These hedging features lend to the Borrower's financial benefit and 
protection (protecting both downside and upside). Currently, there is no other Securities 
Financing vehicle in existence like it today being offered by any other Private Lender.

**NOTE** We do not offer any Traditional Loans to Executives from any company of any 
exchange, or, any Non-Affiliate seeking to pledge Restricted portions of 
stock in "non-listed" companies.

• CREDIT FACILITIES (Equity Lines of Credit):

        Where a shareholder wishes to have a flexible capital facility, we offer an Equity 
Line of Credit. This equity line is backed by a major brokerage and can be used by Free 
Trading Shareholders, but is ideal for executives and individuals holding Restricted 
Securities. The only three criteria are, (a) the issuing company must trade on a "listed" 
exchange. (b) the stock's bid price at the time of engagement must reflect at least $10.00 
per share, and, (c) the gross asset value must reflect a minimum of $1,000,000. The 
securities pledged for this vehicle are never sold (absent a default) and access to capital 
is made available via wire transfer, check, check writing services (bill pay), debit cards, etc.

• STRUCTURED BLOCK TRANSACTIONS (Free Trading Securities ONLY)

        Unlike the typical Block Purchase transaction (which can be facilitate by anyone 
maintaining a few bucks and an appetite for stock bastardization), we offer a number 
of Structured Block Financing Strategies and Transactions. In a structured block 
purchase transaction, an issuing company's/shareholder's best interest are better protected 
than in a traditional block buy. This means that an issuing company/shareholder maintains 
greater control over the dispersing of their securities and will not see the securities come 
back against them negatively. This is essential for smaller companies who can be 
adversely affected by an overzealous block buyer. Discounts generally range between 
15% and 30% for companies that meet strict criteria. 
Also, very select restricted securities apply.

        Capital allocated to "B" Paper Structured Block Financing (B-Paper: Pink Sheet 
Companies (if illiquid, on a case by case basis) and OTCBB Companies)) currently amounts 
to approximately $50,000,000. Each "B" Paper block transaction can achieve a maximum 
of $5,000,000 in any single transaction.

**NOTE** Capital available to companies on "listed" exchanges is unlimited and 
transactions can be facilitated in excess of $5,000,000 in any single transaction.

• REG. A & OTHER ALTERNATIVE STRUCTURES (Non-Reporting Pinks ONLY)

        We also offer alternative financing options for Non-Reporting Pink Sheet Companies.  
Currently, we consult on structuring 504's via allied partnerships as well as 
REG. A transactions. Although a 504 is a fairly recognizable transaction, it is the REG. A 
that is the superstar here. With a REG. A transaction, a Non-Reporting Pink Sheet 
Company can utilize this exemption to raise up to $5,000,0000 dollars in a given year. 
With a REG. A transaction there is no downside for the engagement.

        The REG. A strategy creates a market for illiquid securities and strengthens trading 
prices. All REG. A raises continue at the complete discretion of the issuing company. 
This structure carries no up-front cost for the various professional (advisory and legal) 
services rendered to the issuing company and the flow of capital is practically immediate 
upon qualification.

**NOTE** The only requirement is that the issuing company be a Non-Reporting Pink Sheet. 
There are no trading or price minimums.

_______________________________________________________________________

Stock Information / Inquiry Form:

________________________________________________

Allbex Financial Partners reserve the right to modify the forgoing at anytime without
notice, and Allbex Financial Partners is not a securities broker, and does not
 offer or give advice on stock or other securities, and advice is not given to buy, sell, 
or trade securities. The forgoing is for informational purposes only. 
Please consult your tax or your SEC attorney.

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