CORPORATE TREASURY SERVICES. Helping to Create and Protect Capital in Changing Markets and Economic Conditions.

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1 r CORPORATE TREASURY SERVICES Helping to Create and Protect Capital in Changing Markets and Economic Conditions.

2 Set your Goals. Make them Happen.

3 Expert Resources to Meet your Specific Needs WHAT WE DO In conjunction with our Corporate Treasury Services department we provide cash management, trade, investment management, and liquidity services to large corporate entities. We assist Treasury Executives by increasing the yield on their companies working capital while minimizing their credit and counter-party risk. WHERE WE ADD VALUE Our services add significant value to established corporate accounts with Corporate Treasury Executives looking to optimize yield while minimizing counter-party risk. Specifically, our corporate treasury services include the following: Addressing short and long-term investment objectives Cash Optimization Fixed Income and Money Market Securities Consolidating world-wide balances Understanding multi-currency positions WHAT WE STAND FOR Working together for a common goal begins within our firm. We believe that much of our success to date is due to our unique culture and the values we stand by: honesty; respect for our partners as well as those with whom we interact; teamwork; excellence, and creativity; We seek to consistently provide investors with exceptional risk-adjusted returns over the long term, as well as reliable, accurate and high-end service. CUSTODY OF YOUR ASSETS Our wealth management group is unique in the industry in that we provide you with the choice as to where your assets are ultimately held. This provides you with the flexibility to keep your assets where they are currently, or you can together with your Optimize Capital Advisor select the financial institution which provides the best value for your specific needs and goals.

4 Cash Management Services as Unique as Your Firm CASH OPTIMIZATION SERVICES Corporations need investment professionals with insightful ideas to help them optimize returns on excess cash through all market conditions. We provide complete, end-to-end liquidity and investment solutions to support the growth of your business. Especially in today s interest rate environment, it is more important than ever that treasury professionals align themselves with the right investment professionals who can truly add value by increasing yield while protecting against credit-party risk. Our firm s advisors will be able to help you navigate through your available options to ensure that you are optimizing your firm s cash reserves while still maintaining enough liquidity for business growth and cash needs. MULTI-DEALER RATE INVENTORIES Our group is unique in the industry in that rather than being limited to one institution s suite of yield products, we provide Treasury Professionals a complete gateway into the market s various primary investment dealers along with top-tier financial institutions fixed income and money market inventories. This enables Treasurers to easily and effectively survey the market and optimize working capital while minimizing risk. Once a specific yield product has been selected, instructions as to where the security is to be held may then be provided by the Treasury Professional for settlement. This methodology provides you with the confidence that you are getting the best available rates while still maintaining which institution holds the assets. INVESTMENT POLICY STATEMENT We believe that the creation of the Investment Policy Statement (IPS) is the single most important step to ensuring treasury account s success. We spend a great deal of our time early on in our relationships to review existing Investment Policy Statements and/or create new ones. The process alone ensures that all parties involved think through numerous details about such critical components as the accounts time horizon, tax treatment, credit-risk tolerance levels, investment objectives, hurdle rates, fees, and frequency for reviews. Our six-step process is a follows: 1. Initial Discovery and Discussions 2. Agreement on Goals and Objectives 3. Creation of the Investment Policy Statement 4. Investments Implementation 5. Ongoing Communication 6. Monitoring and Adjustment of Investment Policy Statement

5 For More Information (212) Avenue of the Americas Third Floor New York, NY 10019

6 Disclaimer *This document does not contain any investment advice and should only be used in conjunction with a discussion with your Optimize Capital Financial Advisor. The strategies, advice and technical content in this document are intended for informational purposes only and are provided for the general benefit of our clients, based on information believed to be accurate and complete, but we can guarantee its accuracy or completeness. This document is not intended as nor does it constitute tax, legal, or general financial advice. Inflation Rates, Exchange Rates, Interest Rates, Market Conditions, Tax Rules, and other investment factors are always subject to change. Readers of this document should consult a qualified legal, tax or other professional advisor when planning to implement any of the strategies found in this document. Private equity and hedge fund opportunities are not distributed through Optimize Capital but rather through P2P Financial Inc. in some cases. This document including any related communication is for informational purposes only and is not intended to provide specific financial, investment, tax, legal, accounting or other advice to you, and should not be acted or relied upon in that regard without seeking the advice of a professional. You should seek guidance from your current advisor as your advisor can help to ensure that all your own circumstances have been properly considered and any action is taken on the latest available information. We do not guarantee the accuracy or completeness of information on the Site and do not assume any liability for any loss that may result from reliance by any person upon any such information or recommendation as they are for general informational purposes only. Furthermore, readers should ensure that their individual circumstances have been considered and that if they do take any action, such action is taken based on the most applicable and most available information. Neither Optimize Inc. nor any of its affiliates or any other person accepts any liability whatsoever for any direct or consequential loss arising from any use of this document or the information contained herein. This document contains certain forward-looking statements and forward-looking information, within the meaning of applicable securities law, which are based on current expectations, estimates, projections, assumptions and beliefs. By their nature, forward-looking statements involve a number of risks and uncertainties, because they relate to future events and circumstances and there are many factors that could cause actual results and developments to differ materially from those expressed or implied by these forward-looking statements. The forward-looking statements and forward-looking information are not guarantees of future performance and involve known and unknown risks, uncertainties and other factors that may cause actual results or events to differ materially from those anticipated in the forward-looking statements and information. Therefore, actual future results and trends may differ materially from what is forecasted in the forward-looking statements due to a variety of factors. We do not and cannot guarantee the future performance of your portfolio or the success of any investment decision or strategy that we may use or suggest. We make no promise that the investments we recommend to you will be profitable. The investments we may recommend are subject to various market, currency, economic, political and business risks. Investing involves a high level of risk and the securities in which you invest may be volatile and may depreciate rapidly. The forward-looking information and statements are only as of the date they are made. All subsequent written and oral forward-looking statements attributable to the company or any person acting on the company s behalf are qualified by the cautionary statements in this section. There is no undertaking or assumption of any obligation to update or revise any of the included forward-looking statements or information, whether as a result of new information, changes in expectations or circumstances, future events or otherwise. The information contained herein does not constitute a distribution, an offer to sell or the solicitation of an offer to buy any securities in any jurisdiction in which such distribution or offer is not authorized, in particular, the information herein is not for distribution and does not constitute an offer to sell or the solicitation of any offer to buy any securities in Canada and in the United States to or for the benefit of any person being residents of the United States or Canada, or partnerships or corporations organized under the laws of the United States or Canada. Past Performance is no indication of future results. Optimize management believes the expectations reflected in this document and in any of its forward-looking statements are reasonable. However, no assurance can be given that these expectations will prove to be correct, and such forwardlooking statements and information should not be unduly relied upon, because actual future results may differ materially from the plans, goals, and expectations set forth in such forward-looking statements. Canadian Investors are provided advice by Optimize Inc. located at 2 Bloor Street West, 7th Floor, Toronto, ON whereas US investors are provided advice by Optimize Inc. located at 1350 Avenue of the Americas, Third Floor, NY, NY, 10019

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