When contemplating a major improvement or development project, the selection of a lender is of paramount importance. You want an experienced top financial institution big enough to serve all the needs of your project, and yet provide you with direct individual attention in a manner designed to accomplish the desired end with the utmost expediency.

We offer private lending services with a client centered philosophy and a level of unrivaled accessibility. Backed with a funds pool of well over a hundred billion dollars, our global capabilities allow us to quickly meet all project financing needs, whether they be for major business enterprise, world governments, or high net worth individuals. You will benefit from our extensive world-wide abilities easily affording us the opportunity to finance virtually every feasible and fundamentally sound project at very competitive rates and costs.

We look forward to arranging financing for corporations, trusts, institutions, governmental agencies, and individuals from all over the world. As you will see, the terms, conditions and interest rates of loans we arrange are flexible and competitive. We don't think you will find better financing anywhere.

In addition to the above services we also offer a wide range of financial services as follows:

Bank Guarantees - from top A or better rated institutions for one year term
Surety Performance bonds from top rated A+ insurers by AM Best
Medium term notes with coupons up to 7.5% with terms up to ten years.
Financial Indemnity Bonds from top rated A+ insurers by AM Best
Standby letters of credit from top US institutions for a term of up to one year renewable.
Documentary letters of credit for goods and services from 30 days up to one year.

To assist in your decision to call upon us to arrange your financing, we have set forth below answers to some of the more obvious questions:

Q: What types of projects qualify for these loans...?
A: Arena & Recreational Facilities
Business & Commercial Projects
Construction & Development
Hospitals & Health Care Facilities
Hotel Development
Infrastructure Development
Internet & High Tech Projects
Liquid Asset Loans
Mining & Exploration
Oil & Gas
Motion Picture Production
Ocean Vessel & Aircraft Loans
Hydroelectric (Dams) and Power Generation Plants
Real Estate Development
Transport
Telecommunications
Timber & Forestry
And others for consideration....

Q: What are the minimum and maximum loans that may be requested..?
A: The minimum loan is $5 million US dollars. There is no maximum.

Q: What are the rates of interest and terms under which these loans are made..?
A: Interest is generally calculated at one to two points over the Euro LIBOR, while the term is negotiable from 5 to 25 years. It may be possible to have up to 10 years grace.

Q: What is the maximum loan to value of these loans..?
A: These loans are calculated as a percent of project cost... not of the appraised value of the completed project. The maximum loan to a private entity is 90% of cost. Loans to or guaranteed by governmental agencies may vary up to 100%

Q: Any limitations on use of loan funds...?
A: Yes, loan funds are not for use in trading programs. These funds are for use in project development only or acquisitions.

Q: How are these loans collateralized...?
A: There is a minimum opening collateral requirement of 10% of the total project cost in cash or negotiable securities issued by a top 100 world bank. Either the cash or the securities will be held in an account with a major bank under assignment to the lender for the entire term of the loan. When the loan is repaid as agreed, the 10% on assignment is returned to the borrower. The land, the completed portions of the project itself, and materials delivered to the job site, shall be additional collateral for the loan. Again, collateralization of loans to, or guaranteed by, agencies of government may vary, particularly with respect to the opening 10% requirement.

Q: What are the fees and costs charged for these loans, and when are they due to be paid...?
A: There are no upfront fees charged for these loans. Loan costs to be determined by our lender will range between 1% and 2% of the amount of the loan. A one time consulting fee of 3% will be paid to American Bancshares Corp. All fees and costs are withdrawn from loan funds and paid as loans are funded.

Q: How and when are these loans funded...?
A: Loans are funded on progress draws as development reaches various benchmarks indicated by the borrower and approved by the lender's job auditor.

Q: How do we apply for these loans...?
A: You will prepare a Request for Funding Letter briefly stating your intent and purpose for the loan, the desired loan and terms, and which letter will retain this company, its officers, and affiliates, to arrange your loan. You will provide us with a brief Executive Summary which will include time lines, a budget summary, a project completion schedule with benchmarks for progress draws, a five year cash flow study and details concerning the history and background of your management team. When your application package is complete, it will be submitted to this company by fax at 1 (240) 384-5948... or by email at americanbancshrs@aol.com or americanbancshrs@yahoo.com. We ask that application docs be complete as set forth below.

Q: Do you work with brokers..?
A: Yes... brokers are welcome and are protected with respect to agreements with their clients, so long as they follow our submission procedures. Any NCND requests may also be included. Bring us an acceptable project and we will split our consulting fees with you.

Q: How long does it take for approval and funding of these loans...?
A: After the information submitted is deemed acceptable by our lender, the borrower will receive a complete schedule of additional documents and exhibits needed to conduct the appropriate due diligence, and to formally underwrite the project. The average time to closing after receipt of this additional information, is about 20 to 30 days. Funding will occur upon completion of various phases of the project as set forth in the Progress Draw Schedule as approved by the lender's job Auditor.

Q: What are Bank Guarantees?
A: These are instruments that are similar to one year standby letters of credit that are fully backed instruments and guaranteed by top Western European Banks with A or better rated by S&P or Fitch or Moody's. They typically have no coupon or interest bearing and are fully cashable in a one year term.

Q: What are Medium Term Notes?
A: These typically have a term of at least 2 years and usually up to 10 and some cases up to 30 years. They have coupons on them of interest on them from Libor up to plus 5 to 7. They are fully backed with assets or cash or other securities if they are credit linked notes.

Q: What are Standby letters of credit?
A: These notes are fully backed with either securities or cash. The are typically for one year and can be cashed at anytime up to the one year maturity date. There are no conditions for cashing these notes so they are virtually like cash.

Q: What are Documentary letters of credit?
A: These are used for goods or services to guarantee delivery of these products or services and is an insurance to the seller or provider of the goods and services that the buyer has the capability to pay, and when the goods or services are provided the seller is then paid immediately.

Q: What are Financial Indemnity Bonds?
A: These bonds will guarantee return of funds to the lender of a financial instrument. These are used to make up the difference in a failed payment by a financial institution.

Q: What are Surety Performance Bonds?
A: These are used usually in construction projects to insure completion of the work in the event the contractor defaults in finishing or has taken funds they shouldn't have. They post this bond to insure completion of the work for the owner of the project.

This dissertation should have provided you with information useful to your funding needs. If you believe your project meets the criteria outlined here, we encourage you to submit the appropriate documents. We will consider your proposal carefully and provide you with rapid initial response. Contact us.