PRESENTATION OVERVIEW

CONTENTS • INTRODUCTION

• IMPORTANCE OF TRADE FINANCE

• ABOUT US • OFFICE LOCATIONS • NETWORK OF AGENTS OPERATING IN THE FOLLOWING COUNTRIES • WHO IS AN IDEAL CLIENT FOR US • OUR COMPETITIVE ADVANTAGE • WHY WORK WITH US INSTEAD OF A BANK? • THE PAYMENT OF FEES

• SERVICES • THE PROCESS • ISSUERS

• FREQUENTLY ASKED QUESTIONS

• CONTACTS

INTRODUCTION

As Trade Finance and Investment Finance Specialists we are committed to service excellence and innovation.

Our primary objective is to expand our service offering across the globe!

WE SPECIALISE IN:

1) Trade Finance

2) Investment Finance

IMPORTANCE OF TRADE FINANCE

• The reason Corporates have returned to documentary letters of credit is simple: the need for certainty of payment in volatile markets and, more importantly, an immediately accessible source of working capital where other sources are constrained

• Global Financial Crisis

• Banks do not have the liquidity of the past and can no longer give credit lines to SME’s companies that import or export

ABOUT US TRADE FINANCE

• *Definition: Trade Finance: Trade finance is related to international trade.

While a seller (the exporter) can require the purchaser (an importer) to prepay for goods shipped, the purchaser (importer) may wish to reduce risk by requiring the seller to document the goods that have been shipped.

Banks and Financial Intermediaries may assist by providing various forms of support.

For example: the importer's bank may provide a letter of credit to the exporter (or the exporter's bank) providing for payment upon presentation of certain documents, such as a bill of lading. The exporter's bank may make a loan (by advancing funds) to the exporter on the basis of the export contract.

ABOUT US

COMPANIES THAT FALL INTO OUR BUSINESS GROUP INCLUDE:

1. Suisse Credit Bancorp: www.suissecreditbancorp.com

2. Point Bank: www.scpbank.com

3. Suisse Credit Capital Ltd New Zealand: www.suissecreditcapitalnz.com

4. Suisse Credit Capital Ltd: www.suissecreditcapital.com

5. Dorax Investment Company Limited: www.dorax-investments.com

6. Credit Boston International: www.creditbostoninternational.com

7. Corporate International Bureau of Commerce Alliance Group Ltd (CIBC Ltd): www.cibcag.com

OFFICE LOCATIONS

• CYPRUS

• FRANCE

• CHINA

• GERMANY

• UNITED KINGDOM

• RUSSIAN FEDERATION

• NEW ZEALAND

NETWORK OF AGENTS OPERATING IN THE FOLLOWING 30 COUNTRIES

• CYPRUS • INDIA • UNITED ARAB EMIRATES • INDONESIA • MALAYSIA • GREECE • BULGARIA • USA • CANADA • SINGAPORE • FRANCE • CHINA • GERMANY • UNITED KINGDOM • RUSSIAN FEDERATION • NEW ZEALAND • BELGIUM • UZEBEKISTAN • KAZAKSTAN • AFGANISTAN • UKRAINE • GEORGIA • ROMANIA • GHANA • SOUTH AFRICA • TURKEY • SLOVAKIA

WHO IS AN IDEAL CLIENT FOR US

ORGANISATIONS REQUIRING CREDIT LINES (IMPORTERS AND EXPORTERS) Examples of types of transactions this year so far include: • Purchase of car batteries from Indonesia to Greece – issued LC of USD 1.4

• Purchase of clothing from China to Greece –– issued LC of USD 1.2 million

• Letter of Guarantee from UK to Serbia – USD 2 Million

• Purchase of rolled steel sheets from China to Indonesia – issued LC of USD 300 000

• SBLC – from Tanzania to India for expansion of construction project - USD 10

million

• Purchase of Vehicles from UK to Ghana – Letter of Guarantee - USD 6.5 million

WHO IS AN IDEAL CLIENT FOR US

As there are huge volumes of imports and exports flowing from most regions of Asia, as well as Africa – our primary focus are these regions.

We have very established credit lines through banks in China; India, Turkey, South Korea, Hong Kong, Taiwan and Malaysia who can efficiently assist with companies requiring any kind of products from these regions.

OUR COMPETITIVE ADVANTAGE

• Minimum to zero, cash cover or material collateral required – allowing your business to maintain its liquidity: only against promissory notes and personal guarantees and trade credit insurance

• Due to financing of up to 100% of costs – providing organizations unlimited growth opportunities

• Highly flexible financing options available

• An independent financing source empowering borrowers to negotiate better terms with suppliers

• Tailor-made funding to meet specific business needs

WHY WORK WITH US INSTEAD OF A BANK?

• WE DON’T BLOCK OFF YOUR WORKING CAPITAL

• BANKS ARE NOT SUPPORTING SME’S DUE TO THE FINANCIAL CRISIS – WE ARE!

• MORE FLEXIBLE PAYMENT TERMS THAN BANKS

• FASTER THAN BANKS

THE PAYMENT OF FEES

• We charge a very competitive commission fee for use of our

instrument

• This fee is paid in ADVANCE and the financial instrument is issued within 1 to 3 working days upon receiving payment

• The Client Service Agreement – is the contract that includes all the client details and confirms the fees charged as well as terms and conditions

• In cases where clients do not have an established relationship with us – we offer an Escrow service for commission payment to secure both parties. Please note the escrow agent is appointed by our organization in ALL cases.

• It is best to advise your clients that quotations for fees can take 24 hours

SERVICES

We have the following services on offer

A. FINANCIAL INSTRUMENTS

B. SWIFT SERVICES

A: FINANCIAL INSTRUMENTS

We offer a number of bespoke financial instruments including:

• Letters of Credit (LC)

• Stand-by Letters of Credit (SBLC)

• Letters of Guarantee (LG)

• Performance Bonds (PB)

• Proof of Funds (POF)

• Pre-advice

SERVICES

B: SWIFT SERVICES • SWIFT is the Society for Worldwide Interbank Financial

Telecommunication (www.swift.com), a member-owned cooperative.

• The majority of international interbank messages use the SWIFT network. SWIFT links more than 9,000 financial institutions in 209 countries and territories, who were exchanging an average of over 15 million messages per day allowing businesses to conduct their operations with speed, confidence and reliability.

• Our group of companies have access to SWIFT capability allowing for the transmission of secure financial messages across the globe.

• We have RMA’s with over 400 banks around the world

SERVICES

B: SWIFT SERVICES

ROUTING OF MESSAGES & RMA’s • Relationship Management Application (RMA) is a

service provided by SWIFT to manage the business relationships between financial institutions

• RMA operates by managing which message types are permitted to be exchanged between users of a SWIFT service

SERVICES

THE PROCESS

THE PROCESS

The General STAGES of a transaction are as follows:

STAGE 1 Client to provide full details of transaction

We prepare for the client the Draft of the Financial Instrument

Approval of Draft by client Client receives Client Service Agreement + invoice

Client pays fees Client returns signed contract and signed draft of approved financial instrument Collaterals may be requested on release of shipping docs if required - Instrument is issued

STAGE 1

STAGE 2

STAGE 3

STAGE 4

STAGE 5

THE PROCESS

We require the following standardised information in order to assist our clients with regards to drafting of the instrument and quotation of a fee:

1. Applicant details ( Full information on who is applying for the instrument)

2. Name of beneficiary company / individual

3. Name of beneficiary bank + swift code

4. Pro-forma invoice (if applicable)

5. Duration of the instrument (90 days, 180 days, 1 year etc)

6. Amount of the instrument and in which currency

STAGE 1

THE PROCESS

We prepare for the client the Draft of the Financial Instrument Approval of Draft by client Client receives Client Service Agreement + invoice

Client pays fees Client returns signed contract and signed draft of approved financial instrument Client may be requested to provide Guarantee documents such as Personal guarantee, Promissory notes and Indemnity - Instrument is issued

STAGE 2

STAGE 3

STAGE 4

STAGE 5

THE PROCESS

GUARANTEE DOCUMENTS In addition to the Client Service Agreement which we require the client to sign – we also require the client to provide:

1. Acceptance letter for shipping documents to be presented / in cases of Letters of credit

2. Indemnity letter for Letter of Guarantee, SBLC 3. Corporate Promissory note for the amount of the instrument 4. Individual Personal guarantee for the amount of the instrument

** these documents need to be signed stamped , notarized and apostiled. They also need to be accompanied by: - Certified copy of passport of signatory - Company registration documents ( if applicable)

SUMMARY OF STANDARD AGREEMENTS

1. Client Service Agreement

2. Escrow agreement

3. Draft of instrument

4. Invoice

Additional items to be received before/after issuing of instrument:

a) Acceptance letter ( LC for accepting of shipping documents with discrepancies)

b) Indemnity letter – (Applicable for Letter of Guarantee)

c) Corporate Promissory note

d) Individual Personal guarantee

THE PROCESS

ISSUERS

• We have a number of Issuing Institutions registered in various locations around the world.

• These Issuing Institutions are financial companies that are authorized to issue financial instruments through our swift.

• We also work with a number of banks that can issue instruments on our behalf – the fees vary depending on the bank