Yes, the commitment fee is a 'set up cost'. Con note providers do this to make sure they cant lose.
Not sure where you're getting the 20% coupon from?
Conversion pricing needs to be confirmed. They don't specify whether higher or lower. I'd be surprised if its the higher of, most of them aren't.
Its a crap deal but at least they know that and are still searching for alternatives.
Yes, the commitment fee is a 'set up cost'. Con note providers...
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