Through our loan system which took over two years to refine and then implement we are able to help turn visions into reality.

As a privately funded Lender we are able to look at applications that many banks and lending institutions would normally

decline.

Thanks to our group of open minded investors we are able to be flexible in our approach to funding Borrowers.

We will consider applications from Companies, Institutions, and individuals for loans of between one million and up to a

maximum of two billion.

Loans can be for any genuine project and especially those that have a humanitarian element to them. Creating jobs,

affordable housing, helping to secure the long term future of companies, assisting new and developing businesses to meet

their own realistic goals and ambitions are all the kind of loan applications we will consider.

Within the current market, when Banks and Lending institutes are not lending, this loan seems to tick all the boxes for

borrowers and the added fact that no interest repayments are made for one year certainly helps with the cash flow.

Ø The reviewing process is fast.

Ø Approvals are given in a matter of days.

Ø Our loans are interest only payable yearly in arrears.

Ø The term or duration of the loans range from one (1) to ten (10) years.

Ø The interest rate of the loans is fixed at eight percent (8%) per annum.

Ø There are no early redemption penalties if the loan is paid off early

Ø The Borrowers retain 100% of their loan as fees are paid by the Lender

Ø Initial investment is shown within the Borrowers account and retained therein after the first closing.

Ø Borrowers are requested to bring ten percent (10%) equity including a minimum of €200K to €1 Million or its

equivalent in USD.

Loan Currencies: USD/ Euros and/or GBP

Lending Ratio: Up to 90% of project costs

Area of lending: World-wide

€ 200,000 * From 1M to 10M 30 days 1-5 years

€ 500,000 From 10M to 250M 45 days 1-10 years

€ 1 Million or more From 10 M to 2 B 30 to 45 days 1-10 years

· * Can be used for first phase of project funding and the Total loan amount can then be used to move up to

the 1M plus program.

· One would have to apply with the full amount of the loan proceeds of the first loan application

as initial cash investment for the second loan transaction.

· Note : First Loan must be paid off on receipt of funding from second phase of funding

Maximum Brokerage Fees: 3% which includes Lenders Mandate/Compliance Officer fee

Interest Rate: Fixed 8%

Repayment of principal: In full at the term end of up to 10 years

Time frame: From receipt of application to completion around 8 weeks or better.

Here is an outline of the procedures to generate the funds required for your Project finance.

Funds through this process will be readily available in your account within thirty days of the agreement been actioned, to

fund the project.

2) The lenders bankers provide them with a menu of selected AA (or better) one year bank debt instruments

(Medium Term Notes or Bonds) with their corresponding ISIN Numbers (for verification purposes) to be included

in the loan agreement; All instruments are cash backed and will have a value of at least eight times the amount paid

for them.

3) The loan contract is then sent to the approved borrower (Sample attached);

4) On receipt of the signed Loan agreement the Lender instructs their bankers to select the first bank debt instrument to

be used in the loan transaction;

5) The instrument is selected out of the menu;

6) Lenders bankers then issue their invoice for the payment of the call option fee (€40,000. 00) to the Lender on the

selected instrument, and the Lender then Invoices the Borrower;

7) The €40,000.00 Invoice is paid to the Lenders bankers by the borrower;

8) The Borrower obtains the bank instrument as in (9-11)

bank instrument only - either via MT799 from their bank, or provide a verifiable current bank statement, for all the

fees related to the placement of the bank debt instrument; This is a proof that funds are available as shown

10) The bankers issuing the MT760 bank instrument will contact the borrowers bank and verify the bank statement and

also confirm to the borrower bank officer that they are sending them the MT760

11) The bank instrument is delivered to the borrower’s bank account, which will be in the borrowers name, where the

borrowers bankers verify and authenticate it prior to payment been made;

12) Lender Invoices Borrower for the Service Fee payment on the bank instrument and also send a separate Invoice for

the balance of costs;

13) Borrowers bank and Borrower each receive a contract for the sale of the bank instrument;

14) The instrument is then sold and funds are paid directly to the borrower’s account;

15 Borrower pays all invoiced fees and the Lenders invoice for 20% of face value of bank instrument from re-sale

15) Then repeat step 9 to 14 as many times needed in order for the borrower to obtain at least an amount of funds

covering initial borrower’s funds plus loan fund amounts.

Loan Procedures Flow Chart

Loan Application Submitted to Lender

address must be clearly shown under their signature.

These bank debt instruments are used as collateral because they are sought after by banks.

The higher rating of the instrument put for sale, the better the quote from the “repo” bank.

The Lender has been able to bring together strategic players (investors, banks and various financial institutions) in order to

provide loans at affordable rates to borrowers in need of USD $1Million or more in Euros or GBP or its equivalent in USD

for project funding purposes.

(a) The Lenders work with very wealthy and affluent investors from the Middle East who wish to remain

anonymous.

(b) The Lenders have banks that sell, through various exchanges in Europe and in North America AA (or better)

rated bank debt instruments.

(c) The Lender or fund syndicate are located in the Middle East who causes said bank debt instruments

(Bonds/MTN/BG) to be purchased by Lender and placed on account of selected borrowers in the world to

organise lending.

(d) The exclusive Mandate/Compliance Officer of the Lender is based in the UK,.

The reason why funds have to be provided by the Borrower initially is to verify that the Borrower is really

investing equity in his project.

When the Lenders bankers acting on behalf of their Investors go to the various stock exchanges (Berlin, London, New York

…) to buy irrevocable bank debt instruments (Bonds/MTN/Bank Guarantees) they have to place a bid in order to reserve

these one year instruments prior to purchasing them.

This costs money. This money is expanded for and on behalf of the Borrowers.

It is only natural that the costs associated to this exercise be borne by the Borrowers.

These instruments are purchased at the best possible price by the Lenders Investors.

When the Lender signs an agreement with the Borrower, the first party that takes a major obligation on is the Lender. He

takes on the responsibility of providing the Borrower with sufficient AA or AAA rated bank collateral in order to generate

loan proceeds for the Borrower in a restricted period of time (30 to 45 banking days).

Shortly after signing the contract, the Lender, in order to fulfil his obligations, goes to the London or to the Berlin Stock

Exchange and pays for a call option on a AA or AAA rated one year bank debt instrument of many million dollars to make

sure he can fulfil his obligations towards the Borrower at the time of issuance of the MT799 or receipt of a verifiable current

bank statement.

He un-blocks funds to be able to buy this instrument on short notice also.

At this stage of the loan transaction the Borrower has no responsibilities whatsoever and is never at risk financially.

The Borrower could sign his loan agreement and walk away from the transaction and have no liabilities whatsoever towards

the Lender.

This is why the Lender transfers the expense of buying a call option on the stock exchange for a selected bank debt

instrument to the Borrower.

He could also charge the Borrower for interest on his funds. He chooses not to do so.

In order to test the commitment of the Borrower to closing this loan transaction he transfers the cost of the call option on to

the Borrower.

All transfers of funds or transfers of bank instruments from one owner to another are settled through central banks or through

authorised and specialised institutions or organisations such as Euroclear or Fedwire.

The Bank for International Settlements (BIS) is an international organisation of central banks that oversees all central banks

in the world and monitors carefully international settlements.

SWIFT is solely a carrier of messages. It does not hold funds nor does it manage accounts on behalf of customers, nor does

it store financial information on an on-going basis. As a data carrier, SWIFT transports messages between two financial

institutions. This activity involves the secure exchange of proprietary data while ensuring its confidentiality and integrity.

Bonds or funds are not moved from one bank to another by SWIFT.

SWIFT is not a cross-border settlement organisation.

People mistakenly believe the SWIFT organisation wires funds.

SWIFT is a favoured carrier of messages and commitments made by one bank to another? However transfers of funds or

bank instruments are only made through central banks or dedicated institutions such as Euroclear.

en.wikipedia.org/wiki/Fedwire

The Euroclear group is the world's leading provider of domestic and cross-border settlement and related services for bond,

equity, fund and derivative transactions.

User owned and user governed, the Euroclear group includes Euroclear Bank, based in Brussels, as well as the national

central securities depositories Euroclear Belgium, Euroclear Finland, Euroclear France, Euroclear Nederland, Euroclear

Sweden and Euroclear UK & Ireland.

Euroclear also owns EMXCo, the UK’s leading provider of investment-fund order routing, and Xtrakter, which operates the

TRAX trade matching system.

The total value of securities transactions settled by the Euroclear group is around €560 trillion per annum, while assets held

for Clients are valued at more than €18 trillion.

Euroclear's Clients comprise over 2,000 professional financial institutions, located in over 80 countries world-wide:

Ø Leading Banks

Ø Broker/Dealers

Ø Custodians

Ø Other institutions professionally engaged in securities markets.

The bank Instruments issued will have identifying features and on top of this will be transferred to the Borrowers account

through Euroclear www.euroclear.com

The purpose of Euroclear is to facilitate money movements around the world, particularly by handling the resolution of sales

of European stocks and bonds and bank Instruments, in which market Euroclear are a major player,

CUSIP number will also be listed on any trading confirmation tickets. The CUSIP system makes it easier to settle and clear

trades.

ISIN - An International Securities Identifying Number uniquely identifies a security. Its structure is defined in ISO 6166.

Securities for which ISINs are issued include bonds, commercial paper, equities and warrants. The ISIN code is a 12-

character alpha-numerical code that does not contain information characterising financial instruments but serves for uniform

identification of a security at trading and settlement.

As mentioned earlier people commonly believe funds are moved from one country to another through the banking channel by

SWIFT. This is wrong.

MT stands for Message Text.

SWIFT has introduced a coding system (MT100 to MT799).

Depending on the type of transaction engaged between two members of the SWIFT organisation a different coded message

will be used with a different code number.

One of the most commonly used coded messages in the banking industry is a MT799.

Bank references, and proof of funds on account swift wire messages are sent by SWIFT through MT799 coded messages.

Both messaging systems do not move funds from one bank to another. The official clearing agents do that.

One should receive notification by swift message MT760 of the transfer of ownership of the instrument in favour of the

borrower within 48 hrs of time of receipt of the MT799 or current verifiable bank statement..

No. The borrower is advised from that moment on that he is now made the beneficiary of the bank debt instrument. But

delivery of the hard copy of said instrument is achieved by bonded courier within seven (7) days after issuance of the MT760.

start. Usually the trade is settled through Euroclear on the same day of signing the contract.

The borrower may be required to pay the amount shown as proof of funds requested from the Lender as shown in the MT799

or on the current verifiable bank statement before selling or discounting said instrument.

No. The Lender will cause their bankers to send to the Borrower’s account the following:

1) The bank debt instrument via MT760;

2) The invoice for the amounts referred to in the MT799 or requested on the current verifiable bank statement..

3) Safekeeping receipt of the stock exchange market where the instrument is quoted;

4) The bond power;

5) Corporate deed of assignment;

6) Confirmation of the transfer of the authority over the Euroclear account in favour of the borrower;

7) Confirmation of the ability to move said instrument from one account to another;

8) Copy of the prospectus of the issuing bank.

Lender will provide their bankers with a copy of the MT760 in order to obtain a quote for the repurchase of the designated

bank debt instrument.

Once the quote is acceptable, the Lender banker will contact the Borrowers banker to verify the current bank statement and

to confirm that they are sending over the MT760 in order to organise the trade.

A bank contract is handed to the Borrower through his bank. He signs it and the trade can start. Usually the trade is settled

through Euroclear on the same day of signing the contract.

The Borrower may be required to pay the amount mentioned in the MT799 or the proof of funds on the current verifiable

bank statement before selling or discounting said instrument

The instruments sent to our Borrower’s account come in full ownership of these owners.

They have been previously purchased by our investors.

The original instruments are being sent within seven (7) banking days from the time of payment of the services fees.

Control over the Euroclear account is relinquished in favour of our Borrower at the time of receipt of the MT760 in the

Borrower’s bank.

This is done to allow the Borrower to start negotiating the sale of said instruments.

Clearing of the sale of the instruments is made through Euroclear.

The instruments arrive in the accounts of our Borrower without any liens and encumbrances.

No undertaking is required from our Borrowers to return said instruments on or before expiry date of these bank debt

instruments.

There are no restrictions on the instrument or MT760. The instrument can be freely moved from one bank to another,

pledged, transferred or sold…

After issuing its MT799 or a verifiable current bank statement, the Borrower soon receives on their account the following:

See list in 14 above

Upon receiving these documents and elements our Borrowers have nine banking days or eleven calendar days to decide

to pay the service fees or not.

In the interim we will make sure our Borrowers get their offer from our discounters before anything happens.

If within nine (9) banking days (72 banking hours) from receipt of the MT760 we do not provide our Borrowers with a

firm offer to buy, discount or pledge on a non recourse basis their bank instruments then our Borrowers can choose not

to pay for the bank instruments on the grounds of the loan agreement signed.

Please refer to the above

This is why in the loan agreement we clearly identify the bank instruments we wish to use for our Borrowers. Our Borrowers

are provided with a copy of a Bloomberg printout of the selected instrument and our discounters (banks, financial

institutions) confirm to us on a private basis their interest in buying said instrument or any other one we have on reserve

before we even go into action mode with our Borrowers and press the go button for the payment of the call option fees and

the issuance of the MT799 or provide a current verifiable bank statement..

. Once again the call option fees are not expanded until we hold from our discounters or re-purchasers an offer to buy or

discount the selected instrument.

And on the other hand service fees are not paid unless our borrowers receive the assurance and firm offer from our

discounters or buyers, which are major banks and financial institutions that the selected instrument is going to be bought.

The lender is a syndicated group of investors from the Middle East headed by a private firm.

LEGAL NOTICE: The facilities detailed herein are not subject to the provisions of the United Kingdom Financial

Services Act 1986 or any amendment thereto ("the act"). The facilities are specifically exempted from the act by way of

note 5 to clause 13b of part I of the act. We are not registered as a financial adviser under the act and we do not offer any

form of investment advice nor provide nor sell any form of investment or security as defined within the act. The

announcement on these pages does not constitute an offer to lend nor an invitation to borrow. We do not enter into any

joint venture or participate in your business..

NO OFFER: This material contains exclusively information. Nothing received from Our Institution now and in the

future should be construed as an offer, solicitation or recommendation towards the Loan Lender or to engage in any other

transaction. This information and any received from Our Institution in the future does not constitute an offer,

solicitation or recommendation towards the Loan Lender, nor an offer, solicitation or recommendation of any other kind.

The information is given solely for educational - and informational purposes, requested by you (the party to whom the

information is transmitted), exclusively for the personal use of the recipient.

NO WARRANTY: All information and opinion contained herein is provided without any warranty of any kind, either

express or implied, to the fullest extent permissible pursuant to applicable law. All information and opinion is provided

to assist prospective borrows in making their own decisions.. A competent professional should always be consulted

before utilizing any information existing now and received from us in the future. You must keep the information strictly

confidential and you are not allowed to make the information available to others without written consent from us .The

above-mentioned details are for information purposes only and not to be considered a an offer of funding. We reserve the

right to accept or reject all form of Documentation incomplete or unprofessional email communication.