Ec agent training

EquitiesCapital--
Independent Agent Training
Our goal is to enhance the ability to meet the financial needs of borrowers and financing
professionals while building long-lasting strategic alliances for continued ethical business
relationships.
founded 2008
Welcome

Introduction--
Equities Capital copyright 2008-2013
Welcome to the independent agent training presentation.
This presentation should provide you with just about all of the information you will need to
understand and present how securities-based lending works and how it can help your
clients with obtaining funds using their stocks as collateral.
We will also provide some marketing information and resources to help you.
You may proceed through this presentation at your own pace. We have provided links on
some of these slides that will take you to a web page that will provide more information
than can be presented in the space provided.

What We Do--
 We simply offer securities-based loan programs.
 This program allows the holders of stocks and other securities to be used as
collateral to obtain a loan that can be used for any purpose.
 This type of lending has been around for over 50 years.
 Since 2008 we have been offering this product and it is easy to explain and has a
very high income potential.
 Equities Capital is the Marketing Arm/Broker Liaison of the lender and we work very
closely with them.
 We are here to assist you with product information and marketing materials in
order for you to effectively promote this product.

Simple--
Stock loans are easy to understand and simple to explain to potential clients.
 You do not need a loan officer or broker license or a financial advisor certification or any
other type of license in order to market this program.
 You will be able to market in all 50 states. Even internationally.
 All we need from you is information on the stocks they wish to pledge. (The stock
symbol(s) and number of shares.
 Once we have that information we will quickly get a quote for your client.
 If they wish to move forward a Loan Commitment is issued.
 We move to contracts and funding.
 We do the loan processing, closing and funding.
 Funding of the loan can be as soon as 2 weeks.
 You are paid at the time of funding.

Loan Purposes--
How securities-based funding is utilized to solve a need for financing.
 Refinance an existing home loan
 Purchase investment properties
 Buying foreclosed properties
 New home construction
 Buying or refinancing commercial loans
 Investing
 Business financing
 Foreign nationals wishing to purchase real estate in the U.S.
 No restrictions on the use of the funds. (Except that it cannot be used to purchase other
securities on “margin”).

Who Can Benefit From A Stock Loan--
 Just about anyone who owns stocks or other securities that would like to utilize the
dormant asset to generate tax-free cash without income or credit qualifying.
 This lending program may be utilized to solve a number of financial situations when
other types of financing just may not work.

Agent Compensation --
 Our compensation package is set at .50 point to you on every closed transaction. It is
considered a marketing fee paid directly to you or your company.
 On the securities loans there are no lenders fees, points, closing costs or any other fees
associated with the transaction.
 On the securities line of credit there is a 1.50 point Origination Fee with .50 point paid to
you.
 Most transactions are of the “loan” nature so you can market the product as a true “No-
Cost” loan.

Past Closings and Commissions Paid--
 Loan Amount: $2,725,000
Agent Compensation: $40,875.00
 Line Amount: $100,000
 Loan Amount: $780,000

Product Highlights & Benefits--
 Low fixed and adjustable interest rates
 No closing costs or lender fees (fixed rate loan only)
(low fee for the Lines of Credit)
 No upfront fees
 No credit qualifying
 No income qualifying
 Non-personal recourse loan. The only collateral are the pledged securities.
 Funds may be used for any purpose including personal or business use.
 Loans available for up to 80% of the securities value.
 The borrower receives credit for dividends and upside market appreciation.
 Quick Fundings - usually in a matter of days.

2 Types of Stock Loans--
 There are two types of stock loans that are offered.
 Loan
 Line of Credit
 Both types use stocks as collateral but each have different underwriting criteria
and lending guidelines. It is very important to keep in mind the distinction of
these two when speaking with the client. As you move through this
presentation please keep in mind if you are reading about a Loan or Line of
Credit.

Loan Overview--
- Fixed interest rates between 2.5% and 4.5%
- Interest Only quarterly loan payments
- Loan terms of 3, 5, 7, or 10 years
- No closing costs
- No upfront fees
- No credit check
- No income verification
- Funds may be used for any purpose including personal or business use
- Non-personal recourse loan. The only collateral are the pledged stocks.
- Loans available for up to 80% of the total of the stocks value
- No Pre-Payment Penalty
- Quick Fundings - usually in a matter of days
For more complete information go to
www.equitiescapital.com/Guidelines-SBL.htm

Line of Credit Overview--
- Adjustable interest rates between 2.5% and 5.5%
- Interest Only monthly loan payments
- This is a line of credit – perpetual term until paid in full
- 1.50 Origination Fee
- No upfront fees
- No credit check
- No income verification
- Funds may be used for any purpose including personal or business use
- Non-personal recourse loan. The only collateral are the pledged stocks.
- Loans available for up to 70% of the total of the stocks value
- No Pre-Payment Penalty
- Quick Fundings - usually in a matter of days
For more complete information go to
www.equitiescapital.com/Guidelines-SBLOC.htm

Product Comparison--
For a comparison of the two types of products go to
www.equitiescapital.com/ProgramComparison.htm
This chart is very helpful in distinguishing the slight differences between the
programs.

Acceptable Collateral--
 The stocks that your client may wish to pledge must be publicly and actively
traded .
 This means they must be listed on public stock exchange (NYSE, etc) and
there must be active trading volume ((Minimum trading volume of at least
$50,000 a day) on the stocks to be pledged.
 There are two ways to see if the stocks your client has are acceptable
collateral.
1. Have the client provide their latest brokerage account statement (we suggest
they black out the account number prior to forwarding it to you). Forward the
statement to us and we will have the lenders evaluate it and then advise you.
2. If they only have one or two stock positions you can evaluate quickly on your
own. The next slide will guide you through on how that can be done.

How to Check --
 To check simply go to www. http://finance.yahoo.com, enter the symbol of the
stock in the “Look Up” box and then look at the “Avg Vol (3m)”. Multiply that by
the price per share (shown in bold) and that will give you the average daily
volume. If this number is below $50,000 or there is no Avg Vol (3m) then it will
not qualify for either program.
 If the stock symbol does not show up in the Look Up box then you will need to
forward the clients brokerage statement to us for further evaluation.

Loan vs. Line Collateral Qualifying--
 The minimum stock price for the loan program is $.05 a share.
 The minimum stock price for the line of credit program is $10 a share ($5.00 a
share for mutual funds).

What Does Not Qualify
• 401(k)'s, IRA's or any restricted retirement fund
• 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 that are past maturity
• Bearer Bonds
• Variable Structure Notes

Simple Steps--
 Securities information is provided from the borrower. You may complete the Quote Form
listing the names of securities, their stock symbol along with the number of shares or you
may forward a copy of the client's recent monthly statement
 The loan-to-value ratio and the interest rate are determined by what securities are
pledged. The more liquid and actively traded the securities are the higher the loan-to-
value ratio and the lower the interest rate.
 A Term Sheet (Loan Commitment) is issued for review by the client.
 Borrower reviews and approves the Term Sheet/Loan Commitment.
 A conference call is placed with the borrower to answer any questions and to insure the
borrower understands the complete loan transaction.
 The loan documents are forwarded to the borrower for signatures.
 Arrangements are made for the quick transfer of the securities to the lender.
 The loan is then disbursed based upon the loan-to-value previously agreed upon.
 Borrower makes interest-only payments.
 Borrower may pay off the loan at any time without penalty and the stocks that were
originally pledged are returned to the client
 The time frame for funding may be as little as 5-7 days.

Margin Loan vs. Securities-Based Loan
Your client may state that they can just get a margin loan from their existing broker. Here are
some important points to know.
 Margin loans can only go up to 50% of the value of the stocks - we are able to go to 70-
80%.
 Margin loans are not allowed to lend on stocks valued at less than $10.00 per share - we
offer the loan on any price share.
 Margin loans rates are typically 5 - 8% ARM's - We are between 2.5 - 4.5% rate.
 Margin loans are FULL-recourse - ours are NON-recourse with NO personal liability.
 The "call" on margin loans is set at 80% of the stock value and they have one day to cure
– our "call" is set at 80% of the loan amount (approximately 60% of the stock value) and
we offer 5 days to cure and since ours are non-recourse loans if the borrower cannot cure
the loan default they can simply walk away with no penalty or report to their credit report.

Countries That We Do Business In--
 United States
 Hong Kong
 Singapore
 Australia
 Dubai
 United Kingdom
 Mexico
 Brazil
 Germany
 Spain
 France
 Japan
 South Africa
 Indonesia
 Thailand
 Canada and
 Turkey
You will be able to market this product in all of these countries and locations

FAQ‟s--
For a full list of FAQ‟s for both products go to
Loans
http://www.equitiescapital.com/FAQs.htm
Lines of Credit
http://www.equitiescapital.com/FAQs-SBLOC.htm

Who To Market To--
 Your existing database of
clients, family and friends
 Residential real estate agents
 Commercial real estate agents
 Agents in condo developments
 Business owners
 Business agents
 Business consultants
 Real estate developers
 CPA‟s
 Real estate investors
 Financial advisors
 Aircraft dealers
 Yacht dealers
 Financial Investors
 Motor Home dealers
 Divorce attorneys
 Loan officers at banks
 High-end automobile dealers
 Doctors and other medical professionals
 Mortgage loan officers
Potential clients and referral sources

How To Market--
 Flyers to real estate agents in your area (residential and commercial).
 Emails to your existing database of clients, family and friends.
 Emails to database of real estate agents, CPA‟s, etc.
 Promotion on free websites such as craigslist, backpage, etc.
 Promotion on business networking sites such as linkedin, etc.
 Call on: agents in condo developments and subdivisions, business consultants, CPA‟s,
divorce attorneys, loan officers at banks, mortgage loan officers, etc.
 Submitting our article (branded to you) to local business papers.
 Social Media

Marketing Resources--
 We have flyers and forms in Word so you can “private label” them to your company
name.
 Word article that can also be branded to your company name.
 Private Label Website Available. (Highly recommended)
www.equitiescapital.com/BrandedWebsite.htm
 We can also refer you to an email marketing company that offers guaranteed email
address for a number of different professionals to market to.
 For a complete list go to: www.equitiescapital.com/Resources.htm

Private Label Website--
 The private label website that we offer is a 26 page professionally designed securities-
based lending marketing website that is "private labeled" specifically to you and your
company.
 A working sample may be viewed at www.privatelabeltemplate.com.
 There is a one-time setup fee of $95.00 and a $25.00 monthly hosting fee.
 The design/setup fee includes domain name purchase (of your choosing), domain
registration, branding of the website to your company name and uploading of your
website to the Internet.
 We believe a website devoted exclusively to securities-based lending and "privately
labeled" to you and your company will be very helpful with your marketing campaign.
 Purchase of the website is not a requirement of being an agent of our company. We
simply offer it as an aid in your marketing.

About Us--
We have aligned ourselves with lenders that specialize in this type of funding and have
proven themselves over the years to provide the highest quality products along with
excellent professional customer service.
Since 2008 our goal is to enhance the ability to meet the financial needs of borrowers and
financing professionals while building long-lasting strategic alliances for continued
ethical business relationships.

Our Lending Partners--
 Our Securities-Based Loan Partner
Founded in 2002, they are a full service, private, non-purpose lender specializing in
securities-based loans. With hundreds of successful transactions and hundreds of
millions of dollars in loans, they have a proven track record to meet the borrower's
financing needs.
 Their loan professionals and other financial, legal, and research support business
partners insure outstanding execution and integrity in every financial transaction for
clients in the U.S. and around the world.
 Securities-Based Line of Credit Partner
They are a top-tier, licensed, US Bank/Investment firm and all accounts are SIPC-
insured. They have been in business for over 75 years.

Overview--
 No restricted territories
 No need for any licensing
 Set your own hours
 You will not be required to offer any financial advice
 You are an independent agent
 Paid by 1099 (no taxes deducted from your pay)
 Minimum $500 commission on each transaction
 We provide the knowledge and tools to help you succeed
 We do all the back-end paperwork and processing
 Marketing materials available
 Professional private label website available to you

Thank You--
Our website
www.equitescapital.com
If you have any questions please contact us.
Thank you and we look forward to working with you.

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