80% of ownership must personally guarantee the loan

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1 Criteria for Factoring Funding Program 1: Typical customer is a retail type of business with daily sales and payments for services and/or product at time of purchase. Funding Amount: $5,000 - $100,000 Minimum Vantage score is 627. Minimum BNI score is years in business 2 years seasoning on a bankruptcy discharge Primary residence mortgage and Business rent must be current 2 years seasoning on primary residence foreclosure 2 years foreclosure is ok on 2nd home and investment property Open tax liens are OK if they are in a documented payment plan 2 years old: No documentation required up to $2,500, Document liens over $ years old: No documentation required up to $5,000, Document liens over $5, % of ownership must personally guarantee the loan Cash Flow Analysis: Minimum number of deposits per month: 15 Minimum volume of deposits per month: $10,000 Minimum average daily balance: $3,000 Allowable NSF activity: 5 in most recent month, 10 in recent 3 months, 15 in 6 months Allowable negative ending days: 3 in most recent month, 6 in recent 3 months, 12 in 6 months Inconsistent deposit activity is a concern. Loan Terms: Loan Size $5,000 to $100,000 Term 6 Months or 12 Months Interest Rate Credit Driven, Simple Interest Payment Fixed Pay Period Daily Payment Method Direct Debit from Bank Account - ACH Security Personal Guarantee Credit Qualification Time Instant Decision Time 3 Days

2 Fees and Rates: Origination fee: A fee of 4.95% is deducted from the gross loan amount at loan closing. Interest Rate: A simple interest rate is charged on the gross loan amount. o 12.99% on 6 month loans o 14.99% on 12 month loans Loan Guarantee Fee: This is a variable charge based on the risk assessment of the loan. On 6 month loans it is 6%. On 12 month loans it will vary from 6% to 16%. This fee is divided among the total daily payments and paid daily with the principal and interest payments. *Simple interest loan: The borrower can pay the loan off early or renew the loan and only pay the accrued interest up to the time of payoff. Funding Industries: Exceptions -Seasonality Industries: Amusement & Recreation Facilities Consignment Stores Day Care Facilities Furniture Stores (Office & Home) SEASONAL Hotels/Motels/Bed & Breakfasts/Inns Jewelry Stores Landscaping Services Pools & Spa Transportation Limo's/Taxi/Buses/Long Haul/Moving Wireless Providers Desired Industries: Doctors Tire store Restaurants Grocery Stores Hotels/Motels Dentists Auto Repair HVAC companies retail stores Clothing home goods

3 Submission Check List for Program 1 Standard Documents for submission: 6 Months business bank statements (all pages) Most recent 1 year business tax return Copy of business owners driver s license(s) Need a minimum of 80% of ownership to Personally Guarantee - provide all licenses. Copy of voided check from the business bank account Copy of application Special Circumstances: Provide if the circumstance exists. Cyclical businesses: If the business has inconsistent deposits due to a cyclical business provide 12 months business bank statements and an explanation. Tax Lien: Provide documentation in a plan with the IRS and proof payments have been made. Taxes on Extension: Provide letter authorizing IOU Central to contact the CPA and provide CPA contact info. Franchise: Provide the contact info for the franchise This funding program is not available for borrowers located in Neveda or Monta.

4 Criteria for Factoring Funding Program 2: Factoring Lines of Credit: Also known as receivables financing or A/R line of credit, factoring is an easy and extra-flexible financing alternative to a bank loan that turns receivables into cash. Purchase of Accounts Receivable at a discount to face value using a standard borrowing base with up to 90% advance rates. Prospect revenues are between $1MM and $50MM with credit needs of $100M to $5MM with domestic A/R to sell. Approval process takes 24 hours with funding occurring 5-10 days after approval. Clients typically factor with us for 1-2 years before becoming bankable. Asset Based Revolving Lines of Credit: Underwritten primarily on collateral rather than on cash flow. Lendable assets including accounts receivable, raw/finished inventory and machinery and equipment; seasonal peaks and valleys in revenue; acquisition of another business; the need to refinance an existing lender. Revolver based on A/R and Inventory with advance rates up to 90% of A/R and 50% of raw and finished inventory. Prospect revenues are between $2MM and $100MM with credit needs of $250M to $5MM. Closing typically occur within 3 weeks of the LOI being signed. Clients typically borrow from us for 1-3 years before becoming bankable. Merchant Cash Advance for retailers: For small retailers and restaurants, can be used to leverage future credit and debit card sales in order to provide upfront cash. Repayment by percentage, no fixed repayment schedule the advance is simply paid back as a percentage of card sales. Alternative form of finance for retailers/restaurants based on credit card sales volume. Merchant (borrower) receives cash today repaid from future month s credit card sales. Repayment is made as sales materialize GBC recovers a small percentage of all future sales until paid in full. Typical repayment schedules are between 6-12 months allowing the Merchant to continue to collect the majority of their revenue. Prospect revenues are between $1MM and $50MM with capital needs as little as $5,000 and can go up to $500,000. Approval process takes 24 hours with funding occurring 5-10 days after approval.

5 Non Specialty Funding Offerings: *Loans require 60% LTV or better. Mobile Home Parks - $500,000 Min. Loan Apartments (Must be 5 or more Tenants) - $250,000 Min. Loan Retail Strip Centers (5+ Tenants) - $300,000 Min. Loan Industrial/ Warehouse Properties (5+ Tenants) - $200,000 Min. Loan Office Buildings (5+ Tenants) - $150,000 Min. Loan