ContiFinancial Corporation
Ticker: CFN 277 Park Avenue
Exchange: New York Stock Exchange New York, New York 10172
Industry: Financial (212) 207-2800

Type of Shares:Common Shares Filing Date:10/11/95
U.S. Shares:4,960,000 Offer Date:2/8/96
Non-U.S. Shares:1,240,000 Filing Range:$18.00 - $20.00
Primary Shares:6,200,000 Offer Price:$21.00
Secondary Shares:0 Gross Spread:$1.29
Offering Amount: $117,800,000 Selling:$0.80
Expenses:$2,100,000 Reallowance:$0.10
Shares Out After:43,421,053
Spin out parent firm: Continental Grain

ManagerTierPhone
Merrill Lynch & Co.Lead Manager (212) 449-4600
Bear, Stearns & Co. Inc.Co-manager (212) 272-2000
Dillon, Read & Co. Inc.Co-manager (212) 906-7000
Lehman Brothers IncorporatedCo-manager (212) 640-6129

Auditor: Arthur Andersen
Audited
Income
Latest
Unaudited
Income
Prior
Unaudited
Income
Balance
Sheet
3/31/95 12/31/95 12/31/94 12/31/95
Revenue:$122.00$191.79$80.30Assets:$815.53
Net Income:$26.09$44.22$17.10Liabilities:$686.44
EPS:$0.80$1.39Equity:$129.09

Note: Dollar amounts are in U.S. millions; Audited figures expressed as full year,
unaudited figures are partial year

Business Description
The company engages in the consumer and commercial finance business by originating and servicing home equity loans and providing financing and asset securitization expertise to originators of a broad range of loans, leases and receivables. Securitization provides significant benefits, including greater operating leverage and reduced costs of funds, in the financing of assets, such as non-conforming home equity loans, equipment leases, home improvement loans, franchise loans, commercial/multi-family loans, sub-prime auto loans and leases, small business loans and timeshare loans. Through ContiMortgage, the company is a leading originator, purchaser, seller and servicer of home equity loans made to borrowers whose borrowing needs may not be met by traditional financial institutions due to credit exceptions or other factors. Loans are made to borrowers primarily for debt consolidation, home improvements, education or refinancing and are primarily secured by first mortgages on one-to-four family residential properties.

Use of Proceeds
Proceeds from the proposed offering will be used to repay and refinance intercompany debt owed to Continental Grain, for general corporate purposes including funding loan originations and purchases, supporting securitization transactions and other working capital needs.

Last updated: 10/28/96

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