Specification :

Average Daily Volume
Healthy volume, good market, traded on any U.S. exchange

Features / Benefits:

Unprecedented Security
Never moved, sold, or modified. Top tier national brokerage/bank with sound record in all economic environments. SIPC insurance as with any standard brokerage account. Brokerage account statements, electronic access. Option purchased for additional security via AAA-rated OCC.

Interest Rates
Interest rates begin at 4%.

Maximum Loan-to-Value
Up to 95% of current market value of the securities pledged.

Non-Callable
These loans cannot be called for any reason, regardless of how low prices drop, making them a fully "no-margin-call" loan.

Available to Institutions and Brokerages
We've added our resources to those of a large equity fund and a leading, well-known U.S. bank/brokerage to make this superior form of lending possible. Existing financial services and brokerages may add Premier to their current financial offerings through this channel as well. Inquire for more information.

Payoff Anytime, Without Penalty
Pay off your loan if you decide you want to unfreeze the stocks for your own use - anytime, period. If prices go up and your stocks are worth a lot more, you may wish to sell them, for example. Liens are removed immediately - typically same day - upon repayment. Shares never move, you remain in control.

A True Nonrecourse Loan If You Default
If your stock depreciates you have the choice to default without attachment of other assets or any negative effect on your credit rating. Surrendering your shares is complete fulfillment of your loan obligation, no matter the value of the stock portfolio.

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An "Equity Line of Credit" Feature
Not enough control? How about a provision that will allow you to rewrite your loan mid-stream to take more cash out, possibly at even better rates if the stock has done well? Pay it off, or rewrite your loan, much like a home equity line of credit.

All the Growth in Portfolio is Yours
No asterisks, no fine print. Every last penny of value in your stock portfolio belongs to you. There is no lender participation or claim to any of the upside growth in your stocks if they appreciate in value over time. Whether you pay the loan off, use it as an equity line of credit, ask us to roll it over, prepay it, or let it go to loan term, those stocks are yours and yours alone.

Dividends to Interest, or Dividends to You?
You decide. Your dividends can go to you, or you can ask to have them credited against the interest owed on the loan. Just let us know and it will be done.

Fast Funding
Within 48 hours of signing loan documents.

No Up-front Costs
None. You won't pay anything to lender until your first interest payment is due in three months.

Quarterly Account Statements
You'll get brokerage statements just like you do right now, along with a loan statement showing interest paid and remaining.

Multiple Exit Choices
Ask us to sell some of the stock to pay off the loan; rewrite the loan to get more cash out; pay it off out-of-pocket; or walk away from repayment entirely by exercising your nonrecourse exit rights. If your stock has appreciated in value over the loan term, you can consider a rollover  renewing your loan on the same or even new terms adjusted to your preferences for a nominal fee. You are never tied down to one end-game with Premier.