“Service to its clients is the foremost purpose of COPS Merchant Banking.
In every case, client needs are First”.

COPS Merchant Banking ("COPS MB") offers all of the traditional Merchant and Investment Banking Services and then some more. Established as Castle, Overmyer, Poole and Schubert in 1987, COPS MB has consistently steered its clients and investors into areas that have provided maximum ROI while at the same time minimizing client risk. That is not to say that COPS MB has not ventured into the field of higher risk and ROI funding. In fact, COPS MB prides itself on its investment and support of infrastructure of developing nations as well as in creating its own brand of Life Settlement Bonds. For clients and investors, these securitized bonds mean above average yields and much reduced risk.

COPS Merchant Banking Services:

COPS Merchant Banking ("COPS MB") has a long and experienced history. The company provides sound financial advice with its ability to structure financial transactions as diverse as bond issues, note issues and preferred and common stock. COPS MB is well seasoned in reverse mergers and has strength in providing collateral of all types; both to bank financing and as backing for debt instruments. COPS MB management has decades of managing institutional, corporate and, at times, individuals’ money. As further evidence of the quality and depth of COPS MB experience and expertise, it will issue Safekeeping Receipts and is available to hold items such as gold, precious gems and other such instruments in trust. Here then, is a summary of COPS Merchant Banking ("COPS MB") services:

Life settlement bonds

("LSB") - COPS Merchant Banking has become a key user of collateral backed Stand-By Letters of Credit ("SLC") using Life Settlements as collateral. They provide debt financing through the issuance of bonds constructed by life insurance policies repurchased from initial purchasers and placed into a portfolio calculated at 130% of the amount of the required bond financing. COPS MB then issues an SLC securing the life settlement and thus backs the bond issue. These SLCs are fully collateralized.

After careful preparation and scrutiny, this bond may be rated by a rating agency and, if required, insured by a 'AA' insurer who, in turn, will provide the same rating for the bonds. Another unique feature of these bond issues is that in most circumstances, the principle and premiums of the issue are paid by the death benefit proceeds. The interest coupon and in some cases a portion of the premiums are the responsibility of the client. A portion of the proceeds from the LSB issue will be held and managed by COPS MB to cover the premiums associated with the Life Policies until the death benefits begin to pay out.

Life Settlement Bonds are one of the more perfect instruments for developing (Sovereign) nations to acquire the much-needed capital with which to accelerate their growth. Money for land development, resorts, telecommunications, airports, hospitals and other forms of infrastructure - not to mention revenue producing projects can be raised through this debt instrument. COPS MB has recognized the tremendous need for growth in these nations and has stepped into the proverbial breach. Through active and timely research COPS MB has been able to source projects that are both necessary for the nation and that will also provide a very lucrative yearly ROI for the investor.

COPS MB has been extremely active in collecting and administering these capital pools. Most of these pools have been, and will continue to be, mostly acquired offshore and offered only to Pension Funds, Hedge Funds, Corporations and high net worth individuals simply because of their complexity.  Most investors haven’t the ability to do the ‘due diligence’ required to qualify for participation in these generally higher return investment instruments. Therefore, it is COPS intent to sell to these types of investors in terms of individual policies or, more often, sell a portfolio structured to meet the needs of its client.

Direct Lending

Through its extensive network of conventional and non-conventional lenders, COPS MB can provide lender loans of various types to provide for the varying needs of its clients. These can be private investment in public equity or "PIPEs", equity lines of credit, so called ‘hard money’ (US funds), conventional, collateralized or Real Estate loans and project financing.

Collateral

COPS MB has vested collateral of all types, ranging from securitization of precious and industrial metals, to land development and life settlements.  Using otherwise difficult to value assets and collateral as a means to back financing structures creates additional options that extend beyond the traditional methods.

Second Tier Financing

COPS MB has specialized in providing second tier financing for both private and public companies. 

Credit Enhancements

COPS MB also has extensive networking agreements with insurance underwriters and financial institutions that, in turn, provide credit enhancement through use of annuities. Principal payments and interest can often be guaranteed (given sufficient collateral) for a fee; thus bridging the benefits between highly creditworthy institutions and the financial structure of a lesser-known entity (client).

Credit enhancement can increase client credit rating that, in turn, induces a wider scope of investors and will increases the investor appetite for a security. Often, sources of finance are found that would otherwise be unavailable to some recipient clients, particularly those of emerging and developing nations.
Through our ability to provide collateral rated 'AA' or 'AAA' by Standard & Poors, COPS MB enhances the dept instruments issued by developing nations so that they, in turn, will be rated higher than their existing rating. This materially reduces the interest costs and could, in the future, continue to increase the nation’s rating on an ongoing basis. A win/win situation again, for both ends of the investment.

Financial Advisory

COPS MB provides a highly qualified team of management professionals that research and determine client’s needs and guide them through any difficulties that may arise. Moreover, it provides ongoing customer service and advice, offering to clients its wide and varied expertise in finance. This is most helpful to those clients that are growing internally and thus have a recognized need for re-organizational planning. This then allows its clients to be prepared before growing externally, or through acquisitions or any one of a range of platforms for their financial needs.

Safe Keeping Service

COPS MB provides safekeeping services and safekeeping receipts for physical or electronic delivery of bonds, stocks, bank guarantees, MTN, SBLC, CD and Bills of Exchange, as well as real property, chattels, and all types of other items of value.

Stand-By Letter of Credit

COPS Merchant Banking issues Stand-By Letters of Credit as well as Documentary Letters of Credit on behalf of its clients; typically, these instruments are collateral or asset backed. Moreover, COPS MB has successfully issued Letters of Credit backed by the above mention Life Insurance Settlements as a means of raising investment capital. Letters of Credit can also be done using with a wide variety of assets ranging from bonds to precious metals and gems; land and other physical assets.

Public and Corporate Financial Services

COPS Merchant Banking has developed many unique opportunities undertaking public debt, financing projects for national and sub-national authorities (as stated earlier) particularly in the developing third world. COPS MB has access to a wide panoply of financing sources for all levels of government-sponsored projects; municipal, regional and national. Some of its most recent projects include securing guaranteed funds for such major and integral infrastructure projects as wireless communication networks, airports and roads. It has been the COPS experience over the past decade that many sound investment opportunities exist outside the usual so called ‘first’ world ventures and into the developing worlds, especially for smaller firms and projects.

The ability for COPS Merchant Banking to structure, advise and source funding for development projects affords many opportunities of both time and resources for its public sector clients. A wide variety of funding packages can be arranged for its corporate clients including capital for growth and stable recapitalization. COPS MB has become renowned for its fresh, innovative solutions that build upon traditional and equity finance. Further, its private placement ability provides for expedited decision- making and highly personalized results.

Swift

As a further enhancement of services, COPS Merchant Banking can SWIFT (secure electronic transfer) its instruments, messages and other vital documents to banks and other financial institutions. This ability to send and receive secure messages is provided through the Society for Worldwide Interbank Financial Telecommunication (SWIFT) and is a significant inducement to do business with COPS MB.

Private Placements

COPS MB offers a wide range of private placement services from initial private placement memoranda; advising, vetting for compliance with U.S. and other securities markets regulations; to providing due diligence investigations and producing final documentation through to actual placement.

Loans on Stocks and Bonds

Hypothecation (?)of free trading and L144 stock, corporate notes and corporate bonds. COPS MB can provide attractive loan percentages and contract amounts.

Mergers and Acquisitions

COPS MB will source and assist in funding acquisitions for its clients as well as determine advantageous mergers to husband client company’s growth. COPS MB also has significant expertise to assist in taking client companies public through Initial Public Offerings (IPO’s), Reverse Takeovers (RTO’s) or Mergers and Acquisitions (M&A’s).