# Days Invoice Outstanding. Monthly Factoring Rate $1,000 85% $ % $20 $130 $980

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1 Accounts Receivable Finance IMM Financial offers an Accounts Receivable Finance or Program based on eligible Domestic or International Accounts Receivables. For Accounts Receivable to be eligible, they must be Receivables which are confirmed with the creditworthy purchaser. We can advance up to 97% of your outstanding Accounts Receivables and fees as low as 1%. How many times have you looked at your Accounts Receivable Ledger and saw how much money you are owed to you by your customers for work you have already done and thought if only I had that money in my bank account right now I could take on that new customer or buy that inventory we need? AR or AR Financing can free up the cash that you have locked up in your Accounts Receivables. Many people call this a Loan as well, but in reality, it is not really a Business Loan, it is an advance on cash that you are already owed by your customers, you just have not received it yet. Better than a typical Line of Credit, AR grows with the amount of Accounts Receivables you have so your Business Line of Credit using a Loan will grow with your business. Minimum Revolving Facility: The minimum facility $25,000 USD.* *May vary by country. Security: The required security for the Accounts Receivable Facility shall be a secured first lien position on the current and future Accounts Receivables, Work in Process, Inventory as well as a general lien on all other company assets. Pricing: The rates for the Accounts Receivable Financing Facility do vary depending on credit ratings, length of time in business, type of business, geography of the companies and size of facility. These typical rates will vary from 1.5% to 2.50% per month and will be based on the amount of funds employed. For accounts which have a quicker turnover than 30 days, lower rates are available down to 1%. Facility Servicing: Customers of all Clients will be notified that their account is being serviced by IMM and that all payments will be collected us. Once the customer pays their invoice, any amounts received over the amount of funds will be released to the client less the finance fee. Sample of an Invoice Invoice Amount Advance Rate Amount Advanced to Client # Days Invoice Outstanding Monthly Rate Actual Fee Final Amount to Client Total Amount of Funds Received by Client $1,000 85% $ % $20 $130 $980 As you can see from the above Invoice Sample, the total cost of receiving the advance of 85% of the Invoice face value cost $20 as the invoice was collected in under 30 days. If the payment had not

2 been received until a later date, there would be additional fees for the extra time the advanced funds were outstanding. Program Geographic Availability: AR Facilities are available in several countries and the list does change from time-to-time without notice. Below is a current list of the countries where our AR Finance Facilities are available: Australia Canada Colombia Czech Republic France Germany Hong Kong India Mexico Poland Slovakia Sweden United Kingdom United States Questions & Answers 1. Exactly what are the details on the mechanics of Invoice, generally referred to as Accounts Receivable or a Loan actually work? 2. What are the Benefits to me and my company to use the services of an Invoice 3. Which industries or company types are best served by an Accounts Receivable 4. Who are the clients that use Invoice? 5. Are the applications requirements as involved as getting a bank loan? What is involved in the application process? 6. Which types of transactions are not eligible for funding through Accounts Receivable Financing? 7. I have customers in different countries; will your Invoice Discounting Program work with these Invoices too? 8. What is the time line to get arrange funding my Company using Invoice? 9. What is the main reason that my Company should consider financing my Accounts Receivables and consider working with Companies?

3 1. Exactly what are the details on the mechanics of Invoice, generally referred to as Accounts Receivable or a Loan actually work? Invoice, or Accounts Receivable Funding, will permit your Invoices to be converted into cash. We advance you from 80% up to 97% of the Invoice face value. Any reserves are forwarded to you once the invoice has been paid by your customer. In using our Invoice Services we provide you accelerated Cash Flow. By increasing your Working Capital you will have the ability to pay your suppliers when needed or even make use of discounts they may offer. You will be able to meet the payroll commitments and grow your business. 2. What are the Benefits to me and my company to use the services of an Invoice The Benefits are Improved Cash Flow. You will be able to concentrate on running your business as opposed to chasing after payments from your customers. You will be able to purchase the inventory you need, have less stressful payrolls and take advantage of suppler discounts. 3. Which industries or company types are best served by an Accounts Receivable We service nearly all industries however companies that benefit from our services the most generally have the following in common: Are rapidly growing and have reached the limit of their Operating Line of Credit at their bank and are in need of additional Working Capital. Accounts Receivable can meet the needs of these rapidly expanding companies. Are not eligible for bank funding due to the fact that the company is young or perhaps it is even a because they are a start-up company. Invoice Companies are not concerned with the client company s balance sheet, they are concerned with the creditworthiness of the customers of the company looking for funding Are in workout position with their bank and are in need of options. Invoice can be a viable solution to this circumstance. Have previously used bankruptcy protection in the past or perhaps are in the final stages of considering doing so. Accounts Receivable, or a Loan can provide a quick financial option to start to repay creditors and perhaps avoid the bankruptcy all together. Are seeking a temporary bridge funding solution while they pursue bank financing. Are interesting in doing a leveraged buyout either for their own business company or in the acquisition of another business. 4. Who are the clients that use Invoice? We provide Discount Services to many industries such as: Trucking Companies Temporary Staffing and Recruitment Agencies Distributors (electronics, food and beverages, sundries, etc.) Importers (clothing, home furnishings, dry goods etc.)

4 Printing Companies Building Maintenance / Window Cleaning Services Armed Security Agencies Computer Consultants Software Developers Advertising Agencies Media Companies Information Technology Staffing Various Consulting Firms 5. Are the applications requirements as involved as getting a bank loan? What is involved in the application process? No, the process is not nearly as intrusive as a bank application. The main condition is that our clients must sell their products or services to creditworthy customers with terms of sale under 90 days. 6. Which types of transactions are not eligible for funding through Accounts Receivable Financing? We cannot service Accounts Receivable Financing to: Businesses that conduct consignment sales Pre-billing or progress billing arrangements Businesses that have extended payment terms Construction deals where the General Contractor will have a first lien 7. I have customers in different countries; will your Invoice Discounting Program work with these Invoices too? Absolutely, we are able to accept invoices from many countries worldwide. 8. What is the time line to get arrange funding my Company using Invoice? Generally speaking with a full application, the typical turnaround time from the first discussion about Accounts Receivable with a Account Executive representative until your receive the initial funding with Invoice is around 5 business days. 9. What is the main reason that my Company should consider financing my Accounts Receivables and consider working with Companies? Aside from the obvious gain of Working Capital, there are numerous advantages as well as benefits for a business to utilize Accounts Receivable. Here are a few: Take advantage of volume discounts and early payment discounts by using the Liquidity you now have from using Invoice Building up your inventory using the freed up Working Capital your received from Discount

5 You will reduce your bad debt and thereby improving your own credit rating When you outsourcing your Accounts Receivable Management you will enjoy benefits such as free credit checking and a dedicated collections department when needed You can use your new found Working Capital to increasing your marketing programs You will be able to manage any seasonal fluctuations your industry experiences much smoother Now you will have the ability to secure big orders using your new Working Capital Funds Increased sales can be generated by offering credit terms to your clients Prevent your fixed assets from being encumbered There will be less debts showing on your Balance Sheet because Invoice is not considered a Loan which will also allow you to retain your equity and ownership position As your sales increase, any increased sales demands will not drain your Credit Line as it would with a traditional bank loan as your Line of Credit grows with your sales.

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