THE ALLIANCE GROUP OF COMPANIES

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1 THE ALLIANCE GROUP OF COMPANIES An Overview For further information, please contact: Bernie Shimkovitz Director Paul J Morrison Senior Finance Executive Tel: (905) ext [email protected] Tel: (905) ext [email protected] Head Office 95 Royal Crest Court Suite 3 Markham, Ontario L3R 9X5 Web: Tel: (905) / (877) Fax: (905) / (877)

2 THE ALLIANCE GROUP OF COMPANIES Alliance Financing Group Ltd. ( Alliance ) is a Canadian company that specializes in providing tailored financing products and services to growing businesses. With its roots tracing back to 1989, Alliance has become one of Canada s most well-respected finance companies. The group is comprised of several divisions and affiliated companies: Alliance Financing Group Ltd. ( is the parent company and is primarily engaged in providing commercial financing products and services to businesses across all industry sectors as well as municipalities, universities, school boards and healthcare practitioners and institutions. Core Products & Services: Equipment Leasing - $2,500 - $10,000,000 and up with terms from 24 months to 84 months, for most types of equipment and machinery. Small Business Loans - $20,000 to $350,000 with terms up to 5 years to purchase equipment and leasehold improvements. Up to 90% of the value of the equipment / leaseholds can be financed. Bridge Loans - $250,000 to $2,000,000 with terms from 3 months to 12 months. The Bridge Loan product provides additional working capital which is typically paid back from future cash flow or alternatively once a more suitable long term financing can be put in place. Typically Alliance will work with the client to arrange the long term financing to replace the Bridge Loan. Term Refinance Loans - $500,000 to $5,000,000 secured by equipment and/or real estate with terms from 6 months to 3 years and with amortizations based on the collateral (up to 20 years for loans secured by real estate). This term loan product is designed to assist companies with fixed asset financing that their existing lender/bank is unable to finance for various reasons. Vendor Leasing Programs - Vendor leasing programs are arrangements with equipment manufacturers/vendors (collectively Vendors ) where Alliance provides financing to the Vendor s customers thereby enabling the customers to acquire equipment from the Vendor. Alliance currently manages hundreds of vendor leasing programs in Canada. Alliance s custom vendor programs, which include private labeled or white labeled formats, give the vendor the ability to complete financial transactions for their end-user customers, utilizing traditional bricks and mortar methods as well as over the Internet via unique private labeled or co-branded e-finance tools. Working Capital / Corporate Finance financial products and services for companies that require working capital for expansion, operations, re-financing, etc. Products include Assetbased loans, Revolving credit facilities, Factoring & Term loans. Alliance s corporate finance experts work with the client to provide individual products, or complete financial restructurings. Investment Banking consulting and financing for succession, management buyouts, divestitures, mergers & acquisitions. Products include debt, equity and mezzanine financing. Alliance s professionals take a truly consultative approach, in essence becoming part of the office of the executive of our investment banking clients during the term of our engagement. Channel Partner Programs Alliance provides commercial finance services for mortgage brokers/agents and other industry professionals. By partnering with Alliance, these professionals are able to offer Alliance s products and the products of Alliance s related companies - as a value-add to their own offerings, on a completely outsourced basis.

3 Intra Finance Group Inc. ( provides consumer lending services to dealers who sell specific types of equipment and services to Canadian consumers. Now more than ever dealers realize that the ability to provide their customers with timely financing is crucial to the success of their business. The IntraLoan Consumer Finance Program serves this need by enabling dealers to deliver an end-to-end financing solution for their customers. Program Overview We specialize in Dealer originated small ticket consumer financing Most transactions will require a simple on-line credit application Most importantly, our products and processes are designed specifically to help the dealer Increase Sales Improve Cash Flow Enhance Margins Program Benefits: Flexible financial product (rate, term, deferrals and promotions) Contracts are open may be paid out in full at any time Single point of contact for dealers Financing covers the cost of product, installation, extended warranties & taxes Easy Dealer Process: Application entered online by dealer Credit decisions in seconds Consumer loan agreement created online and printed by dealer Signed agreement and invoice submitted by fax for funding EFT payment to Dealer within 48 hours of receipt of properly executed loan documents

4 Alliance Incentive Marketing ( AIM ) provides companies and other organizations with loyalty programs and payment solutions including prepaid reloadable Visa and MasterCard cards. AIM assists companies in defining, launching and promoting privately branded programs that help attract and retain customers/members, drive transactions and increase overall dollar volumes. AIM s services are tailored based upon the specific needs of each client. AIM offers a number of powerful tools and programs including: Multi-function branded debit, prepaid and loyalty card reward offerings Gift cards Payroll card programs Employee incentive programs Customer incentive programs AIM can manage all aspects of program execution including: Web development / hosting (transactional and informational) Card design, proof and manufacturing Carrier design, proof and manufacturing Visa, and MasterCard bank applications and approvals Processor setup Card personalization (embossing, encoding, etc.) Shipping Transaction authorization and settlements Web/IVR transaction and balance inquiry Live multi-lingual 24/7/365 customer service

5 Alliance Real Capital Inc. is in the business of educating and providing information about real estate and mortgage related investment products. We are consultants and a referral source to selected mortgage investment companies and developers to help structure financing vehicles for residential & commercial developments. As a referral source Alliance Real Capital has access to several mortgage investment products that are currently available, with new products being vetted all the time. Investors may consider these products as strong alternatives to Stocks, Mutual Funds, Bonds and GICs. Mortgage and Syndicated mortgage investments are vehicles that can provide double digit returns with the security of tangible assets. The vast majority of Canadians are unaware of these investments because the Financial Planning industry does not typically have access to these products. What Are Syndicated Mortgage Investments? Syndicated mortgage investments can be available to both non-accredited and accredited investors & are eligible for registered accounts such as RRSPs, TFSAs etc. These investments allow the retail investor to participate in selected, large scale development projects across Canada The investor's principal amount is fully secured (direct registered charge) against the subject property. The investor can enjoy steady defined interest payments on invested money in addition to profit participation (on applicable projects) at the end of the term. For more information contact: Scott Hinsperger (Lic.# M ) Managing Director Alliance Real Capital Inc. T: x224 E: [email protected] This is not an offer to sell securities. Alliance Real Capital Inc. is not a mortgage brokerage. Any investment must be made pursuant to all appropriate legal contracts, agreements and where required, an offering memorandum. Interested persons are invited to obtain a copy of the offering memorandum. Licensed mortgage agents/brokers close all transactions. Approved persons and organizations, where permitted, may enter into referral relationships with Alliance Real Capital Inc. and will be compensated for having referred, directed and introduced prospective lenders/investors

6 CrediPlan Plus Inc. assists Canadians in building and improving their credit through innovative lending solutions. CrediPlanPlus s products are geared towards several types of clients including: new immigrants, students, recent bankrupts, or others who need to build or re-establish their credit rating. Building, Improving and Securing Credit through safe, secure and affordable solutions How does a CrediPlanPlus loan work? A CrediPlanPlus Savings Loan is a loan and savings product designed to help clients save money while establishing and building their credit history. The net proceeds of the loan are invested by CrediPlanPlus in trust for the client in a 100% secure Guaranteed Investment Certificate (GIC) held by a Canadian Bank. The GIC has the same maturity date as the loan. The GIC earns interest at market rates. The client makes monthly payments to CrediPlanPlus building up equity in the GIC with each payment. At the end of the loan term, the loan is paid off and the GIC proceeds including earned interest are paid to the client in full. Who Can Apply? Anyone who is the age of majority in their Province. CrediPlanPlus can offer a loan if an applicant is still making payments in a consumer proposal. CrediPlanPlus is able to offer an applicant a loan even if they are a new immigrant or do not have any established credit. An applicant going through bankruptcy can start rebuilding their credit with this product. Anyone with poor credit or no credit. CrediPlanPlus is available in all Provinces with the exception of Quebec. CrediPlanPlus products are offered through a growing network of financial planners, mortgage brokers and other financial consultants.