The Products & Services of Goldleaf Financial, Ltd.
Goldleaf Financial, Ltd., specializes in providing certainty to the surety industry. Each year, through delivery of specialized financial products and services, Goldleaf Financial helps build and strengthen relationships among surety companies, owners and contractors.

Goldleaf Financial provides a wide range of products and services, including help to contractors in developing their bond applications, choosing and making use of fund control companies, providing operating capital related to specific contracts and, in some cases, providing additional collateral on behalf of the contractor for purposes of securing a contractor's performance and payment bonds.

The Goldleaf Bond Guaranty Fund^SM
Goldleaf Financial's first and foremost resource is the Goldleaf Bond Guaranty Funds. Goldleaf Financial uses the strength of its Goldleaf Bond Guaranty Fund^SM to secure contractors' bond applications and assure surety companies that Goldleaf Financial will respond to any claims against the surety bond with immediately available funds. Goldleaf Bond Guaranties^SM take the form of specific, direct commitments of additional collateral to the surety company. Through this product, Goldleaf Financial is able to both provide the surety company with additional certainty and allow contractors to continue bidding on larger projects.

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Another powerful financial tool offered exclusively by Goldleaf Financial is the Goldleaf Material Guaranty Fund^SM. Goldleaf Material Guaranties^SM represent operating capital used to secure a contractor's payments to its subcontractors and suppliers on a project. Goldleaf Material Guaranties^SM are advanced directly into fund control accounts maintained and managed for specific contractors on specific projects. By providing these Goldleaf Material Guaranties^SM and managing payments through a fund control company, Goldleaf Financial enables the contractor to continue expanding its work in progress while, at the same time, securing the owner and/or prime contractor against the risk of payment default.

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Fund Control
Many surety companies and contractors already recognize the value of fund control or escrow arrangements for payments on a contract. Fund control involves the use of an independent company to receive all draws on behalf of the contractor and to make all of the contractor's progress payments to subcontractors and suppliers. Goldleaf Escrow, LLC., is a fund control company owned and managed by Goldleaf Financial. Its services are offered to owners, surety companies and contractors working with Goldleaf Financial. However, Goldleaf often works with and is able to recommend other fund control companies.

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Application Review and the Goldleaf Financial Network
Goldleaf Financial carefully reviews the bond application of each contractor applying to it for assistance. Goldleaf Financial's executive management team is highly skilled in reviewing financial statements and identifying indicators of the contractor's prior payment history and performance on prior contracts. For reliable contractors, Goldleaf Financial's involvement often leads to the further development of the bond applications and a more accurate presentation of the contractors' financial condition in the bond application.

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