To UNITED OPEC BANKS A GLOBAL FINANCIAL POWER-HOUSE Farm And Agricultural Loans & Dairy Farm Financing 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.

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“...discovery! To give birth to an idea, to discover a great thought – an intellectual nugget, right under the dust of a field that many a brain-plough had gone over before... To be first – that is the idea.”

The Financial Partner You Can Rely On At United OPEC Banks' Agricultural and Farm Division, we lend money for agriculture. It's all we do. And with over century in the business, we know enough about the farming, ranching, vineyard and timber industries to help these business owners be more successful. If you are involved in agriculture around the world, we may be just the right lender for your business. Dairy Financing At United OPEC Banks, we've been making loans to the dairy industry and agriculture for over a century. We finance many different aspects of the industry and understand its credit needs. At United OPEC Banks, we believe that making a success of your dairy operation takes hard work, knowledge of the industry -- and financing. You want a lender who understands the demands and unique aspects of your operation, and has the experience to provide the financing you need. What We Offer Operating loans and lines of credit for feed and hay purchases Equipment loans Intermediate loans for quota and livestock acquisitions Construction and capital improvement financing Long-term, real estate loans from US$5,000,000 up to NO LIMIT Leasing services for trucks, dairy and other equipment Real estate appraisal service Financing Features Available Short-term financing available as a revolving line of credit Intermediate-term financing up to 10 years Long-term financing up to 30 years Fixed and variable GUARANTEED LOWEST interest rates No prepayment penalties on mortgage and commercial loans Vegetable Financing Making a success of your agricultural farming operation takes hard work, knowledge of the industry--and financing. You want a lender who understands the demands and unique aspects of your operation, and has the experience to provide the financing you need. Winery And Vineyard Financing At OPEC Funds, we've been making loans to the wine industry and agriculture for over a century. We finance many different aspects of the industry and understand its credit needs. At OPEC Funds, we believe that making a success of your winery operation takes hard work, knowledge of the industry, and financing. You want a lender who understands the demands and unique aspects of your operation, and has the experience to provide the financing you need. What We Offer Wine inventory, operating and production lines of credit Operating and production lines of credit Long-term, real estate loans Construction loans from US$5,000,000 up to NO LIMIT Vineyard development financing Equipment loans Wine barrels and tank financing Equipment leasing Real estate appraisal service Revolving line of credit and flex Fixed and variable GUARANTEED LOWEST interest rates No prepayment penalties on mortgage loans Loan repayments scheduled to coincide with cash flow Short-term financing available as a revolving line of credit, on a multiple year basis Intermediate-term financing up to 10 years Long-term financing up to 30 years Timber Financing At United OPEC Banks specializes in providing financial services to forest landowners. The Association staff has the experience to provide financing for timberland owners and related businesses as well as the expertise to understand the demands and unique aspects of your operation. At United OPEC Banks offers the services of a staff of registered, professional foresters and appraisers who work in conjunction with our lending group. We believe that a knowledgeable staff representing both the forestry and financial sectors is essential to providing the full range of lending service demanded by forest landowners. What We Offer Long-term financing on timber and timberland Financing for contract timber purchases Equipment financing options: loans and leases Operating lines of credit Letters of credit Appraisals of agriculture lands, timberlands, sawmills and remanufacturing facilities Financing Features Available Fixed and variable interest rate options on short-term loans as well as adjustable rate and fixed rate mortgages Loans structured to complement cash flow from timber harvests Real Estate Financing With so many real-estate loan programs available, it is easy to get confused and make the wrong choice. Considering the fact that your business real estate purchase is probably the most significant financial event of your life, this decision should be made very carefully. What We Offer Long-term, real estate loans Construction loans Farmland development financing Equipment loans and leasing Operating and production lines of credit Accounts receivable financing Irrigation installation financing 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 Every Feasible Farm, Dairy & Forestry Project World-Wide Cattle & Meet Financing Vegetable Industry Financing Financing World-Wide Food Processing Dairy Farms & Vineyard Industry financing World-Wide Fruit And Produce Industry Fast Loan Approval Interest Rates? As Low As LIBOR Plus ¾% Multi-Currency Lending Programs At Your Service Around The World, Around The Clock

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 OPEC Banking Group. 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' World-Wide Farm and Agricultural 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 World-Wide Farm and Agricultural Financing Programs or wish to discuss any matter in complete confidence, please click here to contact: Mr. James P. Taylor Ph.D. Vice President United OPEC Banks World-Wide Farm and Agricultural Financing Division

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Please feel free to contact United OPEC Banks if you believe an application for a world-wide Farm or an Agricultural 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.