Australian Credit Licence Number 392611 - A.C.N 140 178 383

Australian Credit Licence Number 392611 - A.C.N 140 178 383

WELCOME TO EZFINANCE We would like to introduce to you our company EZFinance, as a competent alternative option for your finance needs, we also offer overseas investors development opportunities right here in Australia. We are an Australian owned finance company, with Phil Rice as the Director who has 18 years experience in the mortgage and finance industry and as a bank manager. To this, we also understand the real estate industry with Debbie Hundal-Rice having 10 years real estate Office Management skills and a Full Real Estate Licence. Our brokerage firm spans two states with staff equipped to handle all types of Financing and help with sourcing the right development deals for you! We speak to so many people each week who have spoken to their current or preferred bank about getting a loan or to re-finance, just to be told they just don't meet the current lending criteria or that they can't borrow the amount they need! Unlike a bank (who can only talk about their own products), EZFinance can tell you which bank has a better interest rate, or less fees or we can even outline which banks lending criteria is more suited to your situation. Bank Valuations may also be a problem in some instances and we have process in place to better handle these issues should they arise. Not only are we in Finance we also search out for our investors great Development proposals that we have personally looked through and crunched the numbers to make sure that our investors have all the necessary information needed to make their final decision. EZFinance is an ASIC approved and Licenced, National Mortgage and Finance company and as such, we operate under a strict code of conduct. Today s banking and finance industry in Australia has evolved. Currently, around 50% of all home loans settled within the banks are originated and organised through ASIC listed companies like EZFinance. We pre-assess all applications and on many occasions, we load them into the banks system. Once the loan settles, either the bank pays us a commission or we mandate our fee to our client. Thank you for giving us the opportunity to tell you about our company and we look forward to working with you in finding the right solutions for your requirements. Please feel free to contact us to discuss any proposal you might have.. Kind Regards, Phil Rice and Debbie Hundal-Rice

ABOUT US EZfinance is an innovative, specialised Finance brokering Firm, with industry experience at a local and National level to organise your next home loan, commercial loan or Development finance. EZFinance are the experts you can trust. We have staff locally in Adelaide, Brisbane and the Gold Coast who can meet and assist you with all your finance needs. Further to this, we also have people all around Australia in a variety of capacities as a resource to assist progress even the most complex of projects. Our office staff consists of experienced loan managers who help people from all walks of life to purchase property, have experience in financing all types of commercial property as well as large development financing (housing developments, sub-divisions, commercial property & mining). Our staff are professionals in the Mortgage & Finance industry & have been very active in helping Australian's meet their goals through a variety of effective & competitive finance options,- giving that professional touch that you would come to expect from such industry leaders. We search. You save. Our Finance Software Platform compares hundreds of home loan rates & deals from Australia s leading lenders including the big four banks. Our specialists look at the fine print, & not just the interest rate to provide a better indication of the true cost of a loan, because even a small difference in your finance package could save you thousands in the long run. That s why we re confident we ll find the right one for you. Time with us will save you time. Why go from bank to bank to compare interest rates & loan features? We can check out more loans in a minute than you could in a week. More importantly, all lending institutions have different lending policies and guidelines, so how do you know if your chosen bank is even able to give you the money you need? With diverse finance backgrounds & attention to detail, true Finance Professionals are now easily accessible by you. If you are looking to purchase a Commercial property, Refinance your existing loan or looking for Development finance, EZFinance has the answers. Our Lending Managers use the latest in lending software powered by one of Australia's leading mortgage aggregators. This enables us to take the complexity out of Finance & offer you straightforward solutions. We have access to most banks, non-banks & Private lenders & depending upon your individual circumstances, we may be able to SAVE you time & money. When you are thinking about Finance, seek a professional. Seek an EZFinance Credit Advisor. EZFinance is a member of the Mortgage & Finance Association of Australia (MFAA) & rigidly adheres to their code of ethics. We are also members of the Credit Ombudsman Service. EZFinance is a fully Licenced, ASIC approved Australian Company.

PHIL RICE DIRECTOR OF EZFINANCE Experience and previous positions that Philip has held : Philip Rice, Director of EZFinance has been in finance for 17 years, is a member of the Mortgage and Finance Association of Australia (MFAA), COSL (dispute resolution), Member of the Institute of Business Leaders (IBL) and recognised by "Stanford Who's Who" as a leader in the Finance field. Philip has a Diploma in Finance, a certificate IV in Finance, AML certificate, an Australian Credit Licence issued by ASIC, and he is known to and accredited with around 70 different financiers around Australia. Further studies also include Business Law, Business Economics, accounting and effective communication. 1998 - Senior Lender - Business Development- BankSA, Philip Joined BankSA / StGeorge Bank as a Lending Manager within a branch. Within months of exceeding budgets and creating good referral networks within his allocated geographical area, Philip attained the role of Senior Lending Manager, Business Development Northern - searching for and bringing in new business for the bank. 2004 - General Manager of Brokerage firms, Philip left the bank to pursue bigger and better opportunities, not being limited to just one bank. He undertook a senior role within a major finance brokerage firm in North Adelaide to manage the day to day operations and to seek out new opportunities with a staff of around 14 finance Brokers and support personnel. It was within this role that Philip secured the National contract from Century21 Real Estate to develop and implement their National finance arm. 2005 - Century 21 Home Loans Co-Founder and establishment of Century21 Home Loans Nationally - Philip was approached by Century21 to develop and implement a new finance arm, to be rolled out nationally. This was developed and piloted in Adelaide over a 12 month period, before being rolled out nationally. Philip re-located to Brisbane to begin to roll out whereby extensive relationships on a national level were formed. A major shift within the business saw the group change aggregators, turn the business into a franchised operation and become involved with Macquarie Bank as a JV partner in order to elevate the business with financial and intellectual support. 2009, Director of EZFinance. When Philip s contract with Century21 was completed, Philip decided to use all the information learned, along with national contacts made, to start his own National Finance firm. All aspects of finance are offered through the firm on a National platform, with staff currently in Queensland and South Australia. Philip s is particularly interested in the large development projects and acquisitions around Australia, with the backing of the major Banks and an assortment of private funders. Philip s drive and ambitions far exceed many of those currently in the finance industry, to be able to truly offer a National service with secure relationships in place to achieve solutions for developers, purchasers and financiers.

Meet the Management Team Nick Cappelleri, EZFinance Queensland State Manager with experience in all types of lending, General Insurance, Business Management and Accounting, Nick moved into the area of Finance Broking in 2002. After operating as a successful loan writer for one of Australia s largest broker firms, Nick then assisted in the creation of a dedicated mortgage broking arm of a reputable, Brisbane based, Financial Services Company. During this time, Nick was listed in the MPA top 100 brokers in Australia and has input to industry leaders on the needs of finance brokers, and the types of products that would benefit the current finance market. Debbie Hundal-Rice, EZFinance Office Manager with 10 years experience in office management within both the Finance and Real Estate industries. Debbie s skills include (but are not limited to) organising the day to day office operations, procedures and efficiency; controlling correspondence; designing filing systems; reviewing and approving supply requisitions; assigning and monitoring of loan applications. Debbie also holds certificates in Marketing, Advertising and MYOB.Debbie is a fully qualified Real Estate Licence holder and Justice of the Peace Qualified (Qld).

Our Services EZFinance offers our clients a range of financial services to meet their individual needs: Re-financing Lo-doc loans Home loans Car loans Investment loans Commercial loans Development loans Can t Get Finance? We speak to so many people each week who have spoken to their current or preferred bank about getting a loan or to re-finance, just to be told they just don't meet the current lending criteria or that they can't borrow the amount they need! Don t Despair EZFinance has so many links to other banks and lending institutions that may look at your situation differently. Not all Banks have the same lending criteria and all lending institutions have a different idea of their preferred customer. EZFinance has the experience and the software platform to link you with a lender who actually WANTS your business. If you are looking for a loan and you fall into one of these categories,- Self Employed with hard to verify income? Bad Credit (A credit default or Judgement)? Income a bit too low? A small Deposit or No deposit? You r just don't know where to start or go or bank has said NO? Getting finance just got Easy EZ

LARGE DEVELOPMENT & CONSTRUCTION OPTIONS When the world's financial economies went into "melt-down" as a result of the Global Financial Crisis (GFC), one of the hardest sectors to attain finance has been with major construction and development projects. What has become more relevant over the last couple of years is that "the funding sources create the rules, and in order for you to receive funding, you and I have to work within the rules". Local Banks and Lenders: Banks and lending institutions within Australia have tightened up their lending policies and guidelines to an extent where their risk is at an absolute minimum when it comes to lending money on major development and construction projects. This can make it very difficult indeed for a developer to get the finance they need to undertake some of these large projects. So what are some of the main factors these banks and lending institutions look for? - 1. EXPERIENCE The lender requires confidence in the developer to be able to cost and efficiently construct the project. Previous experience will be well regarded. 2. EQUITY Some equity from the developer will be required to start the process. The amount of deposit will be determined on a case by case basis. TDC (as below) may apply and presales may also be a requirement. 3. LOCATION The location of the development may also become a major factor in determining "Risk" for the Lender. Some areas in each state are not looked upon as "desirable" or "economically viable" 4. "TDC" Traditionally, "Total Development Cost" (TDC) has been the banks and other funders standard method of funding. Basically, this is where the funder would lend a percentage of the TDC up to a maximum of 80% Non Bank Financiers and Private Funders This type of funding is becoming more widely used as the developer may have access to more funds with different lending policies to the Banks. It is not unusual for the interest rate to be higher with this type of funding, however, it does provide a "means to an end". The experience, equity and location factors (as above) still apply here, however, the most common method of funding here is by way of Gross Realisable Value (GRV). This method of finance is based on the end value of the project, on a cost to complete basis. GRV finance is generally less stringent requiring minimum or no presales. The maximum LVR for this type of facility is 70% of GRV. In relation to land settlement, the loan cannot exceed 70% of the value of the land "as is". Should a property be acquired without the relevant DA approvals, and the developer put in place the appropriate DA approvals adding significant value to the land, it may be possible to borrow 100% of the land and development costs. Alternatively, should a developer acquire an approved development site, it would mean that they would need

to provide at least a 30% deposit of the "as is" value of the land. Assuming that the borrowings do not exceed 70% of GRV, the entire project would be fully funded from this point. EZFinance has many sources of non-bank and private funders and by utilizing the GRV method, a property developer is generally able to borrow more money against their project, minimising their equity outlay. Funding from Overseas... Our commercial managers are in constant contact with banks and high net worth Investors located in both Australia and overseas. Our sources in India, China and the US are just starting to release funding for investment in Australia as we are seen to be a safe country in which to invest.