No question is too small or unimportant Visit us at:

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1 Thank you for inquiring about our services, please contact us with any question you might have regarding our factoring package. No question is too small or unimportant Visit us at: Nicole Court * Glendora, CA * Fax

2 No Set up Fees, Non-Recourse, Easy to Apply, 24hr Approval Response Most companies charge you a set-up fee to look at your account, we don t. We assume the credit risk, not you. Our application is written in large print for legibility, and written in simple terms so you don t have to be a lawyer to understand it. We start working on an application as soon as it comes over with the documents requested for review. Quality, Integrity, Well Funded UC Factors has specialized in factoring accounts receivable for 35 years. Management has over 100 years of factoring experience. UC Factors has built their integrity on being a dependable, honest factoring company for hundreds of new growing businesses. We have remained strong through the ups and downs of the industry, even when others have abandoned it. The Banking industry comes and goes as they feel, leaving you looking for last minute financing. New Factors normally don t survive due to the lack of experience and funds. We are so confident in what we say, we will not only supply you with existing client references, but also with past client references Non-Recourse No Set-Up Fees 24hr Application Approval No Long Term Contracts Free Credit Checking Services Free Professional Collection Services Same Day Reserve Funding On Line Account Access UC Factor will Pay Carrier upon Proof of Delivery Eliminating a large A/P staff, not your bank account Pay Carrier(s) up to 90% of the Invoice Amount. Quick Pay Carriers Get Quality Carriers to Haul your Loads by paying them ASAP through UC Factors

3 Broker Freight Factoring Application Full Legal Business Name Address City State Zip County Telephone Fax PO Box Type of Company Corportion Partnership Individual LLC Date Established Federal Tax ID State of Incorporation Business Type Do you use a Ficticious Business Name? Yes No If so, Ficticious Name Type of Authority MC# Has your Bond ever been Revoked? Yes No Have you ever filed for Bankruptcy? Yes No If so, When & Where Taxes Past Due? Yes No Any Judgements? Yes No Have you or any Principal ever factored accounts before? Yes No If so what source? Have you or any Principal ever been convicted of a crime? Yes No Any accounts receivable and/or assets now assigned, pledged, or liened as collateral? Yes No To whom Type of collateral A/R Outstanding $ Average Monthly Sales Volume $ Average Invoice Amount $ Monthly volume you intend to factor $ How soon do you need to start factoring? Do you require carrier to provide a fully executed signed Bill of Lading for payment? Yes No How did you hear about us? OWNER/OFFICER/MEMBER INFORMATION Name Title Social Security # D/L# Year(s) in the Industry Address Telephone City State Zip Cell Date of Birth Ever filed for Banruptcy? Yes No If so, When OWNER/OFFICER/MEMBER INFORMATION (COPY THIS PAGE FOR ADDITIONAL OWNERS/OFFICERS/MEMBERS) Name Title Social Security # D/L# Year(s) in the Industry Address Telephone City State Zip Cell Date of Birth Ever filed for Banruptcy? Yes No If so, When

4 BUSINESS AND/OR CUSTOMER REFERENCES (CUSTOMERS WHO PAY YOU) 1. Will this be a factored account? Yes No Debtor Terms: Days Credit Line Request $ 2. Will this be a factored account? Yes No Debtor Terms: Days Credit Line Request $ 3. Will this be a factored account? Yes No Debtor Terms: Days Credit Line Request $ 4. Will this be a factored account? Yes No Debtor Terms: Days Credit Line Request $ 5. Will this be a factored account? Yes No Debtor Terms: Days Credit Line Request $ I hereby certify that all information provided above is true and correct to the best of my knowledge and is given to induce UC Factors to consider entering into a factoring relationship with the Applicant(s). I do hereby authorize UC Factors to verify and investigate at any time the information provided. A photocopy or facsimile of this authorization will be as valid as the original. Full Name Date A Signature Important! These Documents must be provided when submitting this application 1. Copy of Authority 2. Copy of Trust Agreement or Surety Bond 3. Sample Invoice with supporting Documents (POD(s), or Signed Delivery Receipt(s), Carrier's invoice) 4. Articles of Incorporation (INC) and Organizational Minutes (showing the election of officers) and Statement of Information 5. Articles of Organization (LLC) and Operating Agreement (showing the election of members(s) and or manager(s) and Statement of Information 6. Fictitious Name Filing(s), also known as DBA or Assumed Business Name Filing (include copy of Driver's License and Social Security Card) 7. Accounts Receivable Aging Report 8. Permits (If applicable) and/or Business License (if applicable) 9. List of Customers you intend to Factor with Addresses & Phone #'s (to check credit) Please fax back with required documents to for processing * * * *P.O. BOX 187, Glendora, CA Title

5 UC Factors BROKERS FREIGHT PAYMENT PLAN OUTLINE HOW TO RUN A FREIGHT BILL THROUGH THE BROKERS FREIGHT PAYMENT PLAN 1. The same day we receive proof of delivery on any loads that you have sold to us, we will make immediate final settlement to your sub-hauler. Settlement cannot exceed 90% of the amount billed. a. You should have the Carrier send you proof of delivery and then you can forward it to us with a settlement sheet. b. Final settlement can be mailed, com-checked, or picked up in our office. When we issue the settlement check, we will send a carbon copy of that check to you. Please make sure proof of delivery receipt s are clear of any damages, shortages, and/or late deliveries. If for some reason they are not, you must make note to what the situation is and/ or deduct from the sub-hauler what is necessary to cover any deductions being made against the load. Bill of Ladings in question will not be funded until cleared. 2. The day we receive payment on your invoice(s), we deduct our factoring charge and the remainder is remitted to you that same day. 3. UC Factors assumes total credit risk on accounts we check and approve credit on. Make sure you call in credit checks on new customers that you plan to run through our program. Our client is responsible for all disputes of any nature valid or invalid. We like to work very closely with our clients on collections. Communication is the Key. I HEREBY ACKNOWLEDGE AND UNDERSTAND THE ABOVE PROCEDURES. X X / /

6 1. Original Invoice(s) 2. A Bill of Sale-which we will provide to you, just fill out and sign (must have an original signature) no stamps please (legal document). 3. Signed Bill of Lading(s) Delivery Receipts must be legible and signed by the Shipper, Consignee, and Driver in order for UC Factors to fund on invoice(s) included any other documents needed for billing If your customer requires original delivery receipts, then we must have them in order to process your invoice(s), so if your driver only gets a copy then it will not be sufficient for funding. 4. Settlement Sheet with instructions to pay your Sub-Hauler/Carrier Any advance(s)/fee(s), damage(s) or short product deductions, must be listed subtotaled on settlement sheet. 5. Customer s Credit must be cleared by UC Factors before funding. Submit the request online through ClientWeb or by Fax. STAFF. Ana Arreola-Account Analyst Teresa Alejo-Senior Account Analyst Tina Clark-Account Analyst Brianne Bernal-Account Analyst Sara Spurrier-Account Executive Beena Chudasama-Senior Collector Amy Perez-Operations Supervisor Reminder: UC Factors will not fund invoice(s) that have already been billed to your customer UC Factors will not fund invoice(s) that are older than 30 days past service date UC Factors will not purchase double brokered loads Denise Messang-Divisional Manager dmessang@freightbillfactoring.com

7 Frequently Asked Questions Q. How long has UCDC been factoring accounts receivable? A. Since 1976 Q. Is there a set up Fee? A. No, we absorb 100% of the cost of qualifying and preparing all documents for a new client. Q. How long does it take to process an application? A. The majority of our applications are processed within 24 to 48 hours. Q. Do we have to factor everything in order to qualify? A. Yes, for Freight Brokers it s $25, Q. Do you mail my invoices daily to my customers? A. Invoices are mailed/ ed the same day we receive them with all the necessary paperwork your customers requires to pay the freight bill. Q. How can I be assured that you will do everything you say that you will do? A. We are happy to supply you with past and present client references. Management makes our Agreements, not highpressured sales people who will say whatever it takes to get your business and then never follow through with their commitments. Q. Does UCDC require a long-term contract? A. No Q. Will UCDC factor for a new business? A. Yes, as long as the owner of the business can give references that show he or she is knowledgeable and experienced in the industry their business belongs to. Q. How does UCDC handle collections? A. UCDC is extremely professional in handling collections. Your customers are treated as if they were our customers. We are very diligent about making calls at the appropriate time but we are careful to treat your customer with professional courtesy. Q. How long does it take to check credit on a new account debtor? A. If the account can be found in our computer database files, we will look in D&B for a credit rating. UCDC can respond within minutes. If the account has to be checked out by a bank reference and trade references, it might take a few days to get back to you. Our response depends on the response of the references. Q. How long does it take to return residuals? A. The same day your customer s check is received by us. Q. What types of filings are made in connection with your factoring program? A. We place a Uniform Commercial Code filing with the Secretary of State against all present and future accounts receivable in the state where our client resides. We must have first position on this filing in order to buy the accounts of our clients. Q. Why is there a filing against all present and future accounts receivable, if I can select the invoices I wish to sell and the ones I wish to carry on my own and not factor them? A. There is no other practical way to make a single filing that will allow factoring of any receivable you wish to sell. Also accounts the client doesn t sell become collateral for the faithful performance of our client in following the rules of our Security Agreement. There is also a concern that if we don t cover all receivables, there is a possibility we could be buying someone else s collateral at a later date.