The following services are being offered and can be sub-categorised as follows:

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2 INTRODUCTION Midlink Financial Services was established in 2002 by Anita Kotze with a view to providing services in the rapidly growing and changing financial and property markets. The business caters for both the individual and all forms of business, from the sole proprietor to the listed company. Due to the rising costs and interest rate increases in particular, Midlink has become an integral service provider, offering friendly, efficient, effective and flexible financial solutions to its clients. At Midlink Financial Services our philosophy is to deliver a consistent high level of service with integrity and honesty without compromising our principals or reputation. Therefore it is important to submit comprehensive complete applications and not to make promises to clients that cannot be kept. All applications and negotiations are guaranteed to be dealt with on a professional, strictly confidential basis. PRODUCT RANGE The following services are being offered and can be sub-categorised as follows: Bridging finance Blacklisted solutions Individuals Business and project finance Commercial and industrial finance Long term loans Rental finance Midlink Financial Services has associations with several companies and is always endeavouring to: Enhance and improve its product range Extend and increase its services on offer

3 BRIDGING FINANCE Bridging finance is the capability of accessing cash now, earlier than expected or when you need it most based in a definite secured future income. It is short term cash loans or advances for the terms when the income is still subject to incomplete actions like registration of property or payment of invoices and pensions. pension Bridging finance is the capability of accessing cash now, earlier than expected or when you need it most based in a definite secured future income. It is short term cash loans or advances for the terms when the income is still subject to incomplete actions like registration of property or payment of invoices and pensions. The advantages of bridging finance are mainly the immediate availability of funds. It can also be used to speed up the future income e.g. Payment of municipal cost to speed up property perty registrations. It is subject to costs and interest and the future income must prove to be viable, subject to third party payments and show definite ability to pay back the advanced funds. Bridging finance can be split between individuals and businesses. busine Personal Bridging Finance Commission Estate agents Profits on property sales Pension and provident fund pay-outs pay Get your pay-out out now Deceased estates Advances on inheritance paid Business-related related Bridging Finance Debtors Factoring Early payment on full debtor s book Single Invoice Discounting Early payment of one debtor Property Bridging Finance Developers looking for bridging finance/cash advances Property-related related Bridging Finance 2nd and 3rd Get your cash flow now, not later on bond registration Bond originators/estate agents Advances of up to 80% on commissions Rates outstanding Pay from proceeds of sale of property Sellers of properties 80% of equity on sale of a property available Advances on approved development loans Profits on property transactions PROPERTY FINANCE INDIVIDUALS Bonds can be obtained on all property transactions based on: Approval criteria of the financial institution utilised Property value Ability to repay the loan, and Proof of income

4 Here we have product for first time home owners where it is possible to capitalise the initial costs, subject to additional equity being available in the property. Other property finance include bonds in the form of: First, second and third bonds on a property Switching from one financial institution to another Further and increased bonds for both individuals and businesses BLACKLISTED FINANCE Blacklisted persons owning or buying a property with additional equity can be financed. We will, by way of an increased bond, help you pay your debt and remove credit bureau listings and re-instate your good creditworthiness. This is subject to: Affordability Equity in the property of at least 30% or 20% deposit (can be arranged) Settlement of debt Maximum value of R (first time buyers included) BUSINESS AND PROJECT FINANCE Many businesses are growing at a rapid rate and have insufficient cash resources to cope with expansions and growth. At Midlink we have access to sources that can fund these and are prepared to assist with investments in sound business opportunities. Once we know your needs we can source a suitable investor. This finance can take the form of factoring, joint ventures, management assistance and term loans. Businesses that need the support or a technical of financial management nature, or who, due to their circumstances, are unable to provide the required collateral and securities, can be financed under a managed loan programme. Businesses are assisted in: Cash flow management Payment of suppliers Negotiating discounts and terms Submission of payment certificates etc. This additional support enables the entrepreneur to be relieved of administrative duties in order to concentrate on the core business and managing the processes of the business and projects. Projects such as property developments, new mines and limited technical and scientific projects can be financed. It is important to note that most of these are done on an equity base where the financier keeps a portion of the project with a specific exit strategy. Development buyouts can also be arranged.

5 All business related finance is subject to criteria such as equity value. Property value, cash flow and profitability, sound management skills and integrity of the owners. Commercial and Industrial Finance Business finance can be arranged for the buy-out of and existing business, as well as start-up capital for new businesses. Long Term and Personal Loans RENTAL FINANCE In the highly competitive marketplace, the latest or additional technology, equipment and machinery are often required to stay ahead of the competition. This can drain cash flow, Midlink offers a rental option where the equipment can be rented for up to 60 months. Advantages of this option include: Cash flow advantages The full rental payments are deductable for tax purposes It does not influence the credit rating It is quick and easy to acquire and can be upgraded from time to time Furthermore the equipment becomes your property at the end of the rental period. Equipment rented must however be income generating equipment. This includes all types of businesses from office and medical to farming and manufacturing etc.

6 Documentation Needed Bridging Finance Individual Sales Contract Deed of Sales Copy of ID Bond Approval Transfer Attorney contact details Bridging Finance for Businesses (over R1mil) Factoring Signed consulting agreement with Midlink Financial Services or Agent Company Profile (2 or 3 pages) Company Registration documents (CMs/CKs) Signed audited financial statements for 2007 and 2008 Signed management accounts for un-audited period to date Business bank statements for the last 4 months (no internet printouts) Copy of Id of all members, directors or shareholders Signed personal statement of assets and liabilities of all members, directors or shareholders Personal profiles/cvs of all members, directors or shareholders Copy of signed offer to purchase of property originally acquired Copy of property title deed If property is bonded, copy of bond statements for the last 4 months Contact details and person of transferring attorney Copy of signed offer to purchase with purchaser Copy of purchaser s final bond approval Contact details and person of purchaser s bond registration attorney Any other information or documentation applicable Application forms Copy invoices Debtors details Debtors age analyses General Information Financial Statements CK2 Property Finance Individuals Complete application form Clear copies of Ids of applicants Overtime/commission summary where applicable Latest payslip of all applicants Last 6 months pay slips for commission or overtime workers Last 3 months bank statements (no older than 2 weeks) Last 12 months bond statements/title act/offer to purchase Marriage certificate and prenuptial agreement where applicable Last municipal account (no older than 1 month) List of outstanding debts with last account statements

7 Blacklisted Finance Individuals Complete application form Clear copies of Ids of applicants Overtime/commission summary where applicable Latest payslip of all applicants Last 6 months pay slips for commission or overtime workers Last 3 months bank statements (no older than 2 weeks) Last 12 months bond statements/title act/offer to purchase Marriage certificate and prenuptial agreement where applicable Last municipal account (not older than 1 month) List of outstanding debts with last account statements List of creditors should be settled or proof of payment Business and Project Finance Executive summary of business plan Property details and proof of ownership/purchase offer Comprehensive business plan Cash flow projections and budgets 2 year audited financials Signed statements of assets and liabilities of directors Copy of title deeds Bond statements latest 4 months Personal profiles and CV s of directors Proof of guarantee/approved finance where applicable Contact details of attorneys transferring on bond registration Signed purchase offer Copy of purchasers final bond approval Mining Finance Executive summary of business plan Property details and proof of ownership/purchase offer Comprehensive business plan Cash flow projections and budgets 2 year audited financials Signed statements of assets and liabilities of directors Copy of title deeds Bond statements latest 4 months Personal profiles and CV s of directors Proof of guarantee/approved finance where applicable Contact details of attorneys transferring on bond registrations Signed purchase offer Copy of purchasers final bond approval Geological report Mining and plant design Availability of service certificate Copy of prospecting/new order mining rights and permits Lease agreement with land owner Equipment details Profile and CV s of mining team

8 Commercial Property Finance Signed consulting agreement with Midlink Financial Services or Agent Company Profile (2 or 3 pages) Company Registration documents (CMs/CKs) Signed audited financial statements for 2007 and 2008 Signed management accounts for un-audited period to date Business bank statements for the last 4 months (no internet printouts) Copy of ID of all members, directors or shareholders Signed personal statement of assets and liabilities of all members, directors or shareholders Personal profiles/cv s of all members, directors or shareholders Copy of property offer to purchase Copy of property title deed If property is bonded, copy of bond statements for the last 4 months Copy of property zoning certificate Copy of services availability confirmations (electricity, water, sewerage etc.) Brief feasibility study of property, including rental income and expenses (taxes, levies, water, electricity, maintenance etc.) Rent roll or schedule of tenants copy of lease agreements and signed audited financial statements for last 2 years Contact details and person of transferring attorney Copy of signed offer to purchase with purchaser Copy of purchaser s final bond approval Contact details and person of purchaser s bond registration attorney Any other information or documentation applicable Long term Loans ID of applicants/ids of all members or directors Company registration Documents 3 Months bank statements VAT number Financial statements/management statements List of Equipment (for re-financing) Rental Finance Trade name Company s registered name VAT number Nature of business Legal Entity Years in Operation Year in service/ownership of business Work address Land line number Clear copy of Ids of all members Full banking details Years as member of bank Proof of property ownership or rental agreement Years at property Details of owner of property Marital status of members/owner

9 Residential address of members/owner CC Registration / CIPRO Financial statements Management statements PROCESSES FOR ALL APPLICANTS The evaluation process is nearly the same for all finance and entails that the following elements must be proved and is viable: Sufficient security for the investor/finance house Affordability finance the investor It must be a sound investment for the investor All legislative issues must be addressed Regarding business and project finance the investor and business owner must be able to work as a team Where possible the payment must be prompt and direct from the third party CONSTRUCTION FINANCE AND BUILDING GUARANTEES Contractors who need the support of a technical or financial management nature, or who due to their circumstances are unable to provide the required collateral and securities, will be financed under a managed loan programme. These contractors are assisted in cash flow management, payment of materials suppliers, negotiating discounts for contractors, submitting payment certificate etc. This additional support is meant to relieve the contractors so that they can concentrate on managing the progress of their projects without being side tracked with these back office administration. ASSESMENT OF LOANS Upon receipt of an application: The customer Relations Specialist will check if the submitted application and attached documentation comply with the programme s criteria before forwarding the application to a Programme manager. The programme Manager performs a desktop evaluation, and then forwards the application to a Project Manager of the relevant programme. On condition that all the required documentation has been submitted, and the project is financial and technically viable, it will take at least a minimum of 14 working days to approve or decline an application. If an application is approved, a contractor signs a Service Level Agreement, and the Loan Agreement.

10 1. Infrastructure Projects, Community Facilities and Commercial Projects 1.1 Criteria: The contractor should have: A contract with a project value of not less than 10 million A contract with one of the three tiers of government or any other approved employer Submit a list of previous completed projects Submit a list of Employer references Submit a list of Supplier references Credit record Staffing levels and expertise required to complete the project 1.2 Approval of an application is subject to submission of the following Documentation: Company Documents: Company registration certificate Certified copies of company directors/members SA identity documents Company VAT registration certificate Company Tax Clearance certificate History of previous projects, employers and supplier references Valid CIBD registration certificate 1.3 Project Documents: Letter of appointment Signed contract between yourself and the employer Priced bill of quantities Cash Flow Contract specifications and conditions 2. Affordable Housing and Subsidy or RDP Housing Projects 2.1 Criteria: The contractor should have: A contract to deliver not less than 100 subsidy houses or sites A contract that is financially and technically viable in terms of the financing criteria for this programme

11 2.2 Approval of an application is subject to submission of the following documentation: Company Documents: Company registration certificate Certified copies of company directors/members directo SA Identity documents Bank account details Company VAT registration certificate Company Tax clearance certificate Project Documentation: Letter of appointment Signed contract between yourself and the employer Cash flow forecast/cost breakdown per house Approved engineering designed foundation (if applicable) Professional Indemnity cover for engineer Signed Land Availability Agreement (if applicable) House Plans Contract specifications and conditions Geo-technical technical subsidy approval (if applicable) applicabl Township registration and Surveyor General plan NHBRC project enrolment (if applicable) ASSOCIATED COMPANIES AND OTHER PRODUCTS TUNICA TRADING 65 PTY LTD Tunica specialises in the transport industry where its main focus is on liaising between transport rt contractors and product suppliers in mutual beneficial transactions. It also assists contract holders that cannot source the required logistics and enable the contract holder in fulfilling their contracts. Tunica provides an open and honest service to the logistics industry of Southern Africa and operates beyond the borders of the country. Tunica also trades in the commodity field and specialises in mining commodities. It is able to source and sell these at market related prices and combined with the transport and logistics, Tunica is able to make any transaction work.

12 NEW ORDER INVESTMENTS 151 PTY LTD New Order is involved in the development of new products to enhance the services offered to clients and licence holders. New Order is also involved in the buying and selling of commercial properties, businesses and mines. It has the capability to ensure that the presentation, business plan, marketing and price structure is mutually beneficial to the buyer and seller and has access to the required know-how to evaluate and interpret geological reports and valuations. NEW DEVELOPMENT IN PROGRESS New Order Investments is in the process of establishing a development bank in conjunction with overseas investors and sources. The bank will specialise in the financing of developments, mining and commercial transactions, yellow metals and economically viable transactions at extremely competitive interest rates. We are establishing working relations with various overseas investors to broaden the financing opportunities of our clients, aiming to finance transactions that cannot be done through current sources available. We are investigating finance possibilities for vehicles, specialising in the field of declined transactions to help dealers and clients. We are exploring options for the financing of yellow metals and the transport industry as these seem to be extremely difficult in the current financial situation and the risks involved. The SA financial institutions are avoiding the finance of the more expensive movable assets at present

13 COMPANY INFORMATION Registered Name MONLINK Financial Services CC Trading as MIDLINK Financial Services Registration Number 2006/197510/23 Telephone Fax Web Physical Address 79 Halkett Road New Park Kimberley 8301 Branches Kimberley George CEO Anita Kotze

14 PRIVACY POLICY Where personal information is submitted to us by the user, either by e or by filling out an application form the following principles apply: A) Midlink Financial Services collects, processes and stores only such personal Information regarding users as is necessary to provide the services offered. The specific purpose for which information is collected in it s apparent context in which it is requested. B) Midlink Financial Service will not use the information submitted for any other purpose other than the efficient provision of services or a third party without obtaining the prior written consent for the user, unless required to do so by law. C) Midlink Financial Services will ill keep all records for a period of one year. D) If information is released with the user s consent a copy will be kept by us for a period of one year. E) No credit card information is retained or stored. COLLECTION OF ANONYMOUS DATA In order to provide the best possible and lost relevant service, Midlink Financial Services may use standard st d technology information.