To UNITED OPEC BANKS A GLOBAL FINANCIAL POWER-HOUSE Golf Course, Casino, Hotel and Resort Projects Finance & Business, Corporate and Commercial Loans World-Wide Acceptance At United OPEC Banks, we have an intimate knowledge of corporate vision. As the leader in the world-wide financing industry, we have a genuine appreciation for how far we've come, and a sharply focused sense of where we're going. And, more importantly, craft the best solution for your organization's financial needs.

Principal Lender to the Golf Industry World-Wide United OPEC Banks' Financial Group is a client focused lending enterprise capable of providing a wide spectrum of cost competitive and flexible financing solutions. United OPEC Banks Financial Group has expertise in all commercial real estate asset classes and transaction structures, from conventional first mortgages to mezzanine and participating debt, and equity investments. We provide financing on a world-wide basis. The hallmarks of United OPEC Banks Financial Group are our expertise in structuring complex financing arrangements, unparalleled client service and rapid response times, and the ability to consistently deliver RESULTS. Our primary emphasis is on financing Golf Courses, Office Buildings, Hotels, and Oil & Gas Refineries. Our secondary emphasis is on Airports, Retail, Apartments, Senior Housing, Industrial, Mobile Home Parks, and non-traditional asset classes such as parking garages, storage facilities, etc. United OPEC Banks' Financial Group has a special focus in golf course financing. The programs are designed to provide the guaranteed lowest rates in the world and flexible financing for high quality daily-fee public, private and semi-private golf courses. Other unique features include a NO COST collar for floating rate loans, and earn-outs based on cash flow. Loan Parameters Property Type, Quality And Location: Existing, good quality daily fee or semi-private golf courses located all over the world. Courses with a club-house, pro-shop and driving range preferred. Projects must be able to demonstrate stable and improving trends in rounds and cash flow. Purpose: permanent acquisition, financing, refinancing, discounted debt recapitalization, transactions requiring quick commitments, as well as financing for renovations or other purposes. Financing Size: US$5,000,000 up to NO LIMIT Interest Rate: LIBOR Plus 1¾% to 2.½%. Borrower may utilize 3 month LIBOR or 2.75% to 4.50% fixed over the 5 - 7 year Treasury Index. Loan to Value Ratio: Up to 90% Debt Coverage: Minimum 1.20X coverage based on debt service at the capped interest rate. Term: 5 years. In certain cases, two 10 year extension options may be possible Amortization: 15 to 20 years maximum Earn-Outs: May be possible, depending on property cash flow. Prepayments: Prepayment locked for 2 years, then yield maintenance Collateral: First Mortgage. Non recourse/limited recourse with standard commercial lender carve outs. Interest Rate Risk Management: United OPEC Banks can provide various interest rate risk management products tailored to the specific loan structure. Products include no cost collars and interest rate swaps. Processing Fee: US$1,000 payable upon acceptance of the United OPEC Banks application. Non-refundable. Commitment Fee: 1% to 2%. A refundable good faith deposit equal to one half of the Commitment Fee is due on execution of the loan application. The balance of the Commitment Fee is due upon issuance of the Commitment. Loan Approval: Typically within 10 to 15 business days after receipt of an executed application and the related fees, and the receipt of requested borrower data. Funding: Typically 15 to 30 business days following Commitment. Interest rates vary per project, investor and risk assessment. They can be as low as 5.5% or US Prime plus 1%. Loans can be straight debt or a combination of debt and equity. Lender equity positions may approach 15% for high risk projects or complete startups. United OPEC Banks can quickly access his world-wide agents for buy or sell of diamonds, precious gems, gold, silver, platinum, palladium, group metals and world currencies. There is NO UPPER LIMIT per transaction. Buyers will do an immediate bank to bank transfer of funds upon acceptance of documentation. Highlights NO UPFRONT FEES NO accrued interest until project is completed NO principle payments due until project is completed NO ownership / equity ownership by lenders NO hidden application, processing, or disbursement fees GUARANTEED LOWEST INTEREST RATES United OPEC Banks can accommodate large funding projects of any dollar value Single source financing Flexible payment terms Up to 100% Financing Financing From US$5 million up to NO LIMIT

Financing World's Most Challenging Golf Courses With our Traditional GUARANTEED LOWEST INTEREST RATES Unlimited Funds Are Available From United OPEC Banks To Finance World's Most Exotic Resorts, Vacation Lands And Country Clubs Financing World's Most Flamboyant Casino-Hotels and Gaming Industry Projects With Interest Rate as Low as LIBOR + ¾% (LIBOR : London Interbank Offered Rate) Fast Loan Approval From United OPEC Banks (Usually Between 17 - 25 days) Celebrate!!! Your Loan Is Approved

Our Power Powered by more than 100,000 investors/partners, such as the Organization of Petroleum Exporting Countries (OPEC) investment managers, Hedge Funds investment managers, Fortune 1000 Companies, world's AAA rated Insurance Companies and world's top 1000 Banks and more than US$10 trillion in combined assets it's not surprising that United OPEC Banks has grown into the world's leading lender for business and commercial projects. These relationships, enable United OPEC Banks to handle the loan requests from US$5,000,000 up to NO LIMIT with traditional GUARANTEED LOWEST INTEREST RATES and plenty of options for flexible loan structures. Missions and Operations An exposition on the missions and operations of United OPEC Banks is beyond the scope of this web-site. However, a discussion of international project financing would not be complete without some mention of the missions of United OPEC Banks and its 3,500 affiliated brokers in more than 150 countries and territories, together known as the United OPEC Banks International. Higher Standards Our resources, investing experience and culture put us in a unique position to help our clients. We are small enough to be responsive, innovative and flexible, yet we have access to the extensive resources of the world's most respected lending institutions. You and Us "You and us. Could this be the world's most powerful two person financial firm?" The theme of the global brand campaign highlights United OPEC Banks client-focused approach, creating customized financial solutions based on our global resources and capabilities.

Results!!! If you need it, want it, desire it, or dream it, we want to help you get it. Let Us Do The Same For You

It's a Pleasure to Serve You We trust that we have clarified the intriguing world of United OPEC Banks Golf Course, Casino, Hotel and Resort Projects Financing Programs. We will be happy to answer any questions you may have, relating to this opportunity and provide you with the additional details regarding any of our devoted services. Please click here to explain us the full particulars of your situation and what you wish to accomplish. We will review your situation VERY CAREFULLY and offer to you a custom fitted solution. 95% of the time the solution will be simple to understand and 100% of the time it will be the least expensive alternative. If you would like to obtain further details surrounding our Golf Course, Casino, Hotel and Resort Projects Financing Programs or wish to discuss any matter in complete confidence, please click here to contact: Mr. Robert J. Watson Ph.D. Vice President United OPEC Banks World-Wide Golf Course, Casino, Hotel and Resort Projects Financing Division

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Please feel free to contact United OPEC Banks if you believe an application for a world-wide Golf Course, Casino, Hotel or a Resort Project Financing Program with the help of United OPEC Banks may be appropriate in your particular situation. Any communication with us is considered PRIVILEGED and CONFIDENTIAL