자금조달 경로의 다양화 Financial Protocol 2025

Financial Protocol 2025

국제금융시장과 PPP 투자 비즈니스 모델

1. 개요:

국제금융시장은 대규모 자금을 다루는 거래가 이루어지는 곳으로, 글로벌 기업 및 개인이 자금을 조달하는 주요 플랫폼입니다. 이 시장에서는 다양한 금융 상품들이 거래되고 있으며, 특히 대규모 자금 조달이 필요한 기업들이 주로 활용하는 투자 방식 중 하나가 바로 PPP (Private Placement Program)입니다. PPP는 주로 은행 발행 증서, 채권, 국채 등을 활용한 고수익 투자 방식으로, 기존의 금융 시장에서 접근할 수 없는 대규모 프로젝트나 자금을 신속하게 마련하려는 기업들에게 유리합니다.

2. 국제금융시장 개요

국제금융시장은 전 세계적으로 자금을 필요로 하는 다양한 주체들이 활동하는 거대한 네트워크입니다. 자금을 필요로 하는 기업은 물론 정부, 비정부기관 등도 자금을 조달하기 위해 이 시장에 참여합니다. 이러한 시장에서 자금 거래는 매우 복잡하고 다양한 금융 상품을 통해 이루어지며, 주요 거래 방식에는 채권, CD(예금증서), MTN(Medium Term Note), Bank Guarantee (BG), SBLC(Standby Letter of Credit) 등이 포함됩니다.

3. Bank Guarantee (BG)와 신용 보증

국제금융시장에서 중요한 역할을 하는 금융 상품 중 하나는 Bank Guarantee (BG)입니다. BG는 은행이 발행하는 지불 보증서로, 특정 날짜에 지급이 이루어지지 않으면 발행 은행이 대신 지급을 책임지는 상품입니다. 이 보증서의 주요 장점은 지불 기일에 조건 없이 액면가를 보장한다는 점으로, 많은 기업들이 프로젝트 자금을 마련하기 위해 BG를 활용합니다. 또한 BG의 경우 현금을 예치하거나, 일정한 신용 한도를 설정하여 발행됩니다.

4. PPP 투자 구조와 거래 방식

PPP 투자 방식은 주로 은행 발행 증서나 국채를 매입하여 이를 재판매하는 형태로 이루어집니다. 이 과정에서 투자자는 T-Bill, MTN, Bank Guarantee와 같은 증서들을 대상으로 거래하며, 거래의 성격에 따라 일정 비율의 수익을 창출할 수 있습니다.

• T-Bill 거래: 예를 들어, 미국 연방은행에서 발행하는 미국 국채(T-Bill)를 미리 구매한 후 이를 고유한 계약을 통해 다른 투자자에게 재판매하는 방식입니다. 이 과정에서 5%에서 6.5%의 수익률을 기대할 수 있습니다.

• BG 및 SBLC 거래: BG나 SBLC를 활용하여 자금을 조달하는 방식도 PPP에서 중요한 부분을 차지합니다. 일반적으로, BG를 발행받기 위해서는 발행액만큼의 현금을 예치하거나 신용 한도를 제공해야 하며, 그 대가로 계약 조건에 맞게 수익을 발생시킬 수 있습니다.

5. PPP 거래에서의 역할과 수익 구조

PPP 투자자는 거래 보증금을 예치하여 이를 신용 거래한도액으로 전환시키고, 그 한도 내에서 다양한 금융 상품들을 매매하며 수익을 창출합니다. 예를 들어, $1M의 투자금으로 $10M의 거래를 할 수 있으며, 하루 1회 이상의 거래가 이루어질 경우, 최소 5%의 수익을 기대할 수 있습니다. 이는 매주 수백만 달러의 수익을 생성할 수 있는 구조입니다.

6. 거래 보증금과 수익 분배

PPP 투자에서 투자자는 보증금을 TRADING BANK에 예치하고, 그에 상응하는 신용 한도를 부여받습니다. 이 신용한도를 통해 거래를 진행하며, 수익은 PPP PLATFORM과 투자자 간에 분배됩니다. 일반적으로, PPP 플랫폼은 투자자의 자금을 활용하여 다양한 금융 거래를 진행하며, 일정 비율의 수익을 보장합니다. 예를 들어, $1M을 투자했을 경우, 거래에서 발생하는 수익의 50%60%인 약 $500K$600K를 주당 수익으로 기대할 수 있습니다.

7. PPP 투자에서의 리스크 관리

PPP 투자에서 가장 중요한 요소는 리스크 관리입니다. 투자자는 반드시 신뢰할 수 있는 은행과 계약을 체결하고, 거래의 정확한 흐름을 확인해야 합니다. 또한, Bank Guarantee나 MTN 등 금융 상품의 정확성을 검증하고, 거래 후 발생할 수 있는 수수료 및 SWIFT 비용 등을 사전에 고려해야 합니다.

8. PPP 투자 활용 사례

대규모 프로젝트를 수행하는 기업들은 PPP 투자를 통해 자금을 빠르게 마련할 수 있습니다. 예를 들어, 대규모 국가 인프라 프로젝트나 공공사업에 참여하는 기업들은 Bank Guarantee나 T-Bill을 활용하여 입찰 보증금을 마련하고, 프로젝트 자금을 확보할 수 있습니다. 이와 같은 방법은 전통적인 금융 방법보다 더 유연하고 효율적입니다.

9. 결론

PPP 투자 방식은 고수익을 추구하는 투자자에게 매력적인 기회를 제공합니다. 대규모 자금이 필요한 글로벌 기업들이 이를 활용하여 금융 시장에서의 거래를 통해 수익을 창출할 수 있습니다. 그러나 투자자들은 이 투자 방식의 복잡성과 리스크를 잘 이해하고, 신뢰할 수 있는 플랫폼과 거래 조건을 갖춘 금융 기관을 선택해야 합니다. 특히, Bank Guarantee와 같은 신용 보증을 활용한 투자 방법은 자금을 신속하게 확보할 수 있는 중요한 수단이 될 수 있습니다.

비즈니스 전략 제안: 한국의 중소기업들이 이와 같은 국제금융시장에서의 기회를 활용하여 자금을 효율적으로 조달하고, 글로벌 프로젝트에 참여할 수 있도록 지원하는 플랫폼을 구축하는 것이 중요합니다. 이를 통해 자금 조달의 경로를 다양화하고, 기업의 재무 구조를 건실하게 만드는 데 기여할 수 있습니다.

<<<예시: $10M를 활용한 PPP 투자 수익 계산>>>

1. 기본 개요

• 투자금: $10M

• 거래 방식: T-Bill (미국 국채) 매입 후 재판매

• 예상 수익률: 5% ~ 6.5%

• 거래 횟수: 매일 1회 거래

• 수익 분배: PPP PLATFORM과 투자자 간 50:50 (수수료, 거래 비용 및 은행 수수료 포함)

2. 투자 과정과 수익 흐름

(1) 투자자와 PPP PLATFORM 간의 계약

• 투자자는 $10M을 PPP PLATFORM의 TRADING BANK에 예치합니다.

• Proof of Fund (자금 예치 증명서)와 MT-760 (지불 보증서)을 통해 투자자가 자금을 예치했음을 증명합니다.

• Trading Bank는 이 자금을 바탕으로 신용한도를 설정하고, 투자자는 이 한도 내에서 여러 금융 거래를 진행할 수 있게 됩니다.

(2) 거래 방식: T-Bill 매입

• PPP PLATFORM은 미국 연방은행에서 발행한 $10M T-Bill을 매입합니다.

• PPP PLATFORM은 대량으로 T-Bill을 구입할 때 액면가의 68%로 T-Bill을 매입할 수 있습니다.

• 즉, $10M T-Bill을 $6.8M에 구입합니다.

(3) 재판매 및 수익 발생

• 이후 PPP PLATFORM은 이 $10M T-Bill을 다른 투자자에게 재판매합니다.

• 매매 과정에서 5% ~ 6.5%의 수익률이 발생합니다. 여기서 예시로 5%의 수익률을 적용해 봅니다.

3. 수익 계산

(1) 매매 차익 발생

• $10M T-Bill의 매입 가격은 $6.8M입니다.

• 이를 5%의 수익률로 재판매한다고 가정하면:

• 수익금 = $10M (판매액) - $6.8M (매입액) = $3.2M

• 수익률 = 5%를 적용했으므로, 이 거래에서 발생하는 수익은 약 $500,000입니다.

(2) 수익 분배

• PPP PLATFORM은 수익의 50%를 취합니다. 나머지 50%는 투자자에게 지급됩니다.

• 투자자에게 돌아오는 수익: $500,000 × 50% = $250,000

4. 연간 수익 예시

• 한 거래에서 발생하는 수익은 약 $250,000입니다.

• 하루에 한 번 거래를 한다고 가정했을 때, 주 5일 거래를 진행한다고 계산합니다.

• 주간 수익 = $250,000 × 5일 = $1,250,000

• 연간 수익 = $1,250,000 × 52주 = $65,000,000

5. 결론

• $10M의 투자금으로 하루에 한 번 거래를 진행할 경우, 5%의 수익률을 가정했을 때 연간 $65M의 수익을 올릴 수 있습니다. 이는 투자자에게 실제로는 $32.5M의 수익이 돌아가게 되는 구조입니다 (PPP PLATFORM과 수익 분배 비율 50:50).

• 이 계산은 5%의 수익률을 기준으로 하였으며, 만약 수익률이 6.5%로 증가한다면 수익도 더 크게 증가할 것입니다.

6. 리스크 및 유의사항

• 실제 거래에서 발생하는 수익률은 시장 상황에 따라 다를 수 있으며, 5% ~ 6.5%의 수익률은 예상 수익률일 뿐입니다.

• 수수료, SWIFT 비용, 은행 수수료 등을 포함한 추가 비용이 발생할 수 있습니다.

• 거래를 진행하기 전, PPP PLATFORM과의 계약 조건을 정확히 이해하고, 안전성을 확보하는 것이 중요합니다.

이 예시는 $10M를 운용할 때 발생할 수 있는 연간 수익을 단순히 계산한 것입니다. 거래 횟수나 수익률이 높아질 경우, 이보다 더 많은 수익을 기대할 수 있습니다.

PPP 총론은 아래 클릭 ⬇️

CONFIDENTIAL MEMO

CONFIDENTIAL – NOT FOR DUPLICATION OR GENERAL CIRCULATION

SELECT POSITIONS FOR DIRECT-ISSUED CONTRACT, MULTI-STEP SHORT & LONG PROGRAMMING:

SELECT POSITIONS FOR MULTI-STEP SHORT & LONG TRADE PROGRAMMING

THE MULTI-STEP PROGRAM IS A FLEXIBLE ACTIVITY THAT CONSISTS OF MULTIPLE PROGRAMS WHERE THE ENGAGED CLIENT MAY CHOOSE TO PARTICIPATE IN A SERIES OF TEN-DAY AND THIRTY-DAY SHORT PROGRAMS, A FORTY-WEEK LONG-TERM WEEKLY PROGRAM, AND AN OPTIONAL EVERGREEN PROGRAM.

BY REVIEWING THIS MATERIAL AND ANY ACCOMPANY MATERIAL HEREAFTER YOU ARE HEREBY INDICATING THAT YOU HAVE READ AND FULLY UNDERSTAND THE LEGAL DISCLAIMERS (DISCLOSURE, CONFIDENTIALITY & PRIVACY) AND THAT YOU HAVE ACCEPTED ALL TERMS AND CONDITIONS. THIS DOCUMENT IS PROVIDED TO AN INTENDED AUDIENCE KNOWN TO US AS A COURTESY SOLELY AND IS PROVIDED FOR INFORMATIONAL AND EDUCATIONAL PURPOSES AND MATERIAL ONLY, WHEREBY PRINCIPALS ARE RESPONSIBLE FOR THEIR OWN DUE DILIGENCE AND DECISIONS. THIS DOCUMENT AND INFORMATION PROVIDED HEREIN, OR ACCOMPANYING IS NOT TO BE CONSTRUED AS A SOLICITATION OR INDUCEMENT OF ANY KIND, OF ANY TYPE OF INVESTMENT, OR OTHERWISE. IF YOU ARE NOT THE INTENDED AUDIENCE OR PARTY SELECT, PLEASE DELETE THIS DOCUMENT ACCORDINGLY. IF YOU HAVE RECEIVED THIS MATERIAL VIA A THIRD PARTY AND NOT DIRECTLY FROM THE PROGRAMMING GROUP, AND WISH TO PARTICIPATE OR TO UNDERSTAND MORE, PLEASE REFER TO YOUR REFERRING PARTY OR INDICATE YOUR REFERRAL PARTY IF YOU MAKE DIRECT CONTACT. WE DO NOT TAKE WALK-INS AND DO NOT RESPOND TO PARTIES UNKNOWN TO US AND THOSE THAT ARE UNABLE TO INDICATE CONNECTION OR INTRODUCTION. BY READING BEYOND THIS POINT, YOU HEREBY ACKNOWLEDGE AND CONFIRM THAT THIS IS A COMMUNICATION OF PRIVILEGED AND CONFIDENTIAL INFORMATION. FURTHERMORE, THE MATERIAL HEREIN IS SUBJECT TO CHANGE AND AVAILABLE PROGRAMMING MAY BE ADDED, DELETED OR REPLACED AT THE DISCRETION OF THE PROGRAMMING GROUP AT ANY TIME FOR ANY REASON. REFER TO THE INCLUDED DISCLOSURE, CONFIDENTIALITY & PRIVACY NOTICE THAT HEREIN APPLIES.

PROTOCOL PROGRAMS

» SWIFT TRANSACTIONS FOR BANK INSTRUMENTs: STANDBY LETTER OF CREDIT, BANK GUARANTEE, MEDIUM-TERM NOTE, BANK DRAFT *

» SWIFT TRANSFER OF CASH FUNDS

» SWIFT GPI OF CASH FUNDS

» LEDGER-TO-LEDGER TRANSFER

» EUROCLEAR FREE-DELIVERY *

» GENERAL NOTES

» CONCERNING PROGRAMMING NOT INCLUDED

» NOTICE OF DISCLOSURE, CONFIDENTIALITY & PRIVACY

SWIFT TRANSACTIONS

• SWIFT PROTOCOL

• DIRECT ISSUED CONTRACT

A SPECIAL MULTI-STEP PROGRAM WITH VARIOUS SHORT AND LONG PROGRAM ELEMENTS THAT MAY BE PROVIDED TO SELECT CLIENTS WITH ABILITY TO SEND, TRANSFER OR DELIVER ACCEPTABLE INSTRUMENTS VIA BRUSSELS SWIFT SYSTEM

STANDBY LETTER OF CREDIT (SBLC) :

SWIFT MT-760 BANK GUARANTEE (BG) :

SWIFT MT-760 MEDIUM-TERM NOTE (MTN) :

SWIFT MT-542 (FREE-DELIVERY)

BANK DRAFT : SWIFT MT-110

ONE-HUNDRED MILLION AND GREATER (OR AS AGREED)

ALL BANK INSTRUMENTS MUST BE SEPARATELY MONETIZED WITH AN LTV APPLIED FOR SERVICING; THE PREFERRED MINIMUM IS 200M OR GREATER (LESSER AMOUNTS BY SPECIAL APPROVAL)

SBLC NOTE: UNLESS OTHERWISE APPROVED ON A CASE-BYCASE BASIS, ELECTIVE RECEIVING AND MONETIZING PREFERS TO ACCEPT MAXIMUM 500M PER SBLC SWIFT / TRANCHE. THUS, FOR INSTANCE A CLIENT UTILIZING A 2B SBLC WOULD SEND IN FOUR SEQUENTIAL SWIFTS OF 500M EACH (THE SECOND SWIFT MT-760 AFTER FIRST IS RECEIVED, AND SO ON). THIS CONCERNS SBLC ONLY, NOT MTN, BANK DRAFT, ETC.

MAJOR BANKS WORLDWIDE ACCEPTED (OR AS APPROVED BY COMPLIANCE / MANAGEMENT)

SBLC & BG: SWIFT MT-760 WITH CERTIFIED TRANSMISSION COPY, ALONG WITH COPY OF THE SENDING BANKER’S OFFICIAL BANK EMAIL TO RECEIVING BANKER CONFIRMING THE SWIFT AND ENCLOSING CERTIFIED COPY.

MTN : SWIFT MT-542 (FREE-DELIVERY), WHEN ELECTIVE RECEIVING IS AVAILABLE (OTHERWISE SEE EUROCLEAR FREEDELIVERY FOR MTN / BONDS).

BANK DRAFT: SWIFT MT-110 WITH CERTIFIED TRANSMISSION COPY, ALONG WITH BANK LETTER, INCLUDING THE HARD COPY PACKAGE OF THE CERTIFIED BANK DRAFT AND BUSINESS CARD OF THE ISSUING BANK OFFICER TO BE SENT BY SECURED COURIER SERVICE TO THE RECEIVING BANK. RECEIVING MONETIZERS ARE VERY SELECTIVE ON BANK DRAFT CASES, AND MANY CLIENTS MAY FIND IT EASIER TO CAUSE TO ISSUE AND SEND SBLC IN LIEU OF BANK DRAFTS.

BANK DRAFT PROCEDURE: THE BANK DRAFT MUST BE (RE)ISSUED IN THE NAME OF THE RECEIVING MONETIZER (CANNOT BE ISSUED IN CLIENT NAME UNLESS CLIENT WILL ITSELF MONETIZE). THE TRANSMISSION OF THE BANK DRAFT AND THE REQUISITE CONFIRMATION LETTER MUST TAKE PLACE BETWEEN THE SENDING BANK AND RECEIVING BANK.

BANK DRAFT REQUIRED EVIDENCE: CERTIFIED COPY OF THE SWIFT, COPY OF THE BANK LETTER, BUSINESS CARD AND THE COURIER AIRWAY RECEIPT.

FOR ALL BANK INSTRUMENTS: NO PRE-ADVICE IS DESIRED OR NECESSARY, UNLESS AS REQUIRED FOR SELECTED RECEIVING BANKS, AND IF APPROVED BY COMPLIANCE / MANAGEMENT.

PROGRAMMING OPTIONS & REFERENCE GUIDELINE

» MULTI-STEP PROGRAM » CONTINUAL LONG-TERM » CUSTOM PROGRAM

(Informational Only)

THE APPROVED, COOPERATIVE, AND PERFORMING CLIENT WILL HAVE THE OPTION TO PARTICIPATE IN VARIOUS PROGRAMMING OPTIONS, SUCH AS AN ENHANCED MULTI-STEP, SEQUENTIAL PROGRAM; OR A CONTINUAL LONG-TERM PROGRAM; OR CONSULT REGARDING A CUSTOM PROGRAM (TO ADDRESS A SPECIFIC PROJECT, GOAL, ETC.).

PROGRAMMING UP TO: (1) 10-DAY SHORT PROGRAM (2X THE FACE VALUE RECEIVED) THEN; (2) A DISCRETIONARY 30–DAY SHORT PROGRAM (5X THE FACE VALUE RECEIVED) THEN; (3) 40WEEKS LONG-TERM PROGRAM (UP TO 1X THE FACE VALUE RECEIVED WEEKLY) THEN; (4) THE OPTION TO ENTER 3-5 YEARS EVERGREEN PROGRAM (UP TO 1X THE FACE VALUE RECEIVED WEEKLY). [HISTORICAL, OR AS AMENDED] *

* THE PROGRAMMING REFERENCE GUIDELINE CORRESPONDS TO BEST EFFORTS PROGRAMMING AND MAY BE ADJUSTED BY THE SERVICING GROUP AS DEEMED NECESSARY FOR MATTERS INVOLVING PROGRAMMING ASPECTS AND PARAMETERS, SERVICING FACILITIES, PARTNERS AND OUTLETS, FUNDING AND SOURCE AVAILABILITIES, VARIABLE TIMING AND MARKET CONDITIONS, ETC. THE TERM ‘FACE VALUE’ CORRESPONDS TO FINANCIAL INSTRUMENT MONETIZED VALUE / PROCEEDS.

» STANDBY LETTER OF CREDIT: IF THE CLIENT IS SENDING A SBLC THEN COMPLIANCE OR RECEIVING BANK MAY REQUIRE EVIDENCE THAT THE SBLC IS CASH-BACKED.

» BANK GUARANTEE: IF COMPLIANCE REQUIRES, THE BG SHOULD BE REGISTERED ON THE BRUSSELS EUROCLEAR SYSTEM AND EVIDENCE PROVIDED.

» MEDIUM-TERM NOTE: THIS MUST BE AN ACTUAL FREE-DELIVERY OF THE MTN VIA SWIFT MT-542; LIMITED AVAILABILITY, SELECT CASES; OTHERWISE, REFERENCE PROTOCOL FOR EUROCLEAR FREE-DELIVERY; EXTERNAL HANDLING.

» BANK DRAFT: MUST BE (RE)ISSUED TO THE NAME OF THE RECEIVING MONETIZER (CANNOT BE IN CLIENT NAME).

» CERTIFICATE OF DEPOSIT: MUST BE (RE)ISSUED TO THE NAME OF THE RECEIVING MONETIZER (CANNOT BE IN CLIENT NAME).

» LTV BASED ON MARKET, VALUATION, TIMING, INSTRUMENT, AMOUNT, SERVICING AND MONETIZATION ARRANGEMENT.

» TYPE OF SWIFT IS SELECTED BY COMPLIANCE *

COMPOUNDING

FOLLOWING PROGRAM COMMENCEMENT, THE CLIENT MAY BE PROVIDED AN OPTION TO RE-INVEST A REASONABLE

PORTION OF CLIENT NET PROFITS (COMPOUNDING) INTO THE NEXT STEP OF THE MULTI-STEP PROGRAM.

PROGRAM DISBURSEMENTS

DISCRETIONARY PERFORMANCE ADVANCE

APPLICANT

SUBMISSION

ALL PROGRAMMING PROFITS TO BE PAID OUT ON A WEEKLY BASIS. (NOTE: PROGRAM CONTENT, PROFIT STRUCTURE, SCHEDULES, PROCEDURES, PROTECTIONS, SAMPLES, ETC. ARE DETAILED IN THE DIRECT ISSUED (IPCA) CONTRACT).

CONSIDERATION FOR A ‘DISCRETIONARY PERFORMANCE ADVANCE’ UP TO ONE PERCENT OUTSIDE OF NORMAL PROGRAMMING SCOPE MAY BE CONSIDERED AND PROVIDED BY PROGRAM MANAGEMENT (REFER TO GENERAL NOTES).

IN ALL CASES THE PLATFORM PREFERS TO WORK WITH ACTUAL OWNERS OF ACCOUNTS, BANK INSTRUMENTS AND WHO HAVE RELATIONSHIP BANKERS; UNDER CERTAIN CIRCUMSTANCES THIRD-PARTY TRANSACTIONS MAY ALSO BE ACCEPTED WITH COMPLIANCE / MANAGEMENT AND DUE DILIGENCE APPROVAL OF CAPABILITY AND AUTHORITY.

(1) PRELIMINARY REVIEW OF APPLICANT’S OWN “KYC” PACKAGE. FOLLOWING REVIEW AND INTEREST,

(2) IF REQUESTED, THE CLIENT MAY BE REQUIRED TO COMPLETE A CURRENT-DATED SPECIFIC KYC PACKAGE, WHICH MUST INCLUDE CURRENT PROOF OF FUNDS AND/OR PROOF OF INSTRUMENT (OR AS SPECIFIED), AUTHORITY TO VERIFY, ETC.; A SPECIFIC “DATA SHEET” MUST BE COMPLETED FOR CONTRACT PREPARATION;

(3) THE COMPLIANCE FUNCTION MAY REQUIRE THE CLIENT PROVIDE SPECIFIC MATERIAL FOR REVIEW OF ACCEPTANCE (SEE NOTES); ONCE ACCEPTED THEN,

(4) TRANSACTION DOCUMENTATION IS THEN EXCLUSIVELY PREPARED FOR THE CLIENT, INCLUDING THE (IPCA) CONTRACT AND (IFPPO) PROTECTION FOR REGISTERED CONSULTANTS.

AGENTS

CLIENT WILL AUTHORIZE AND ACKNOWLEDGE A MAXIMUM OF FIVE PERCENT FEE FOR THE TOTAL REFERRING AGENT GROUP(S), OF WHICH DISBURSEMENT IS ARRANGED BY THE PLATFORM AND DERIVED FROM EQUAL CONTRIBUTION FROM PLATFORM AND CLIENT PROGRAMMING PROFITS.

NOTES

COMPLIANCE FUNCTION MUST BE SATISFIED IN ADVANCE THAT THE SUBJECT BANK INSTRUMENT IS VALID AND VERIFIABLE, AND THAT THE CLIENT HAS THE FINANCIAL AND BANKING CAPABILITY TO PERFORM.

» EVALUATING ACCEPTANCE OF A BANK INSTRUMENT: THE CLIENT MUST ASK THEIR ISSUING BANK FOR AN OFFICIAL BANK LETTER STATING THE CREDIBILITY OF THE ISSUED BANK INSTRUMENT, OR CAPABILITY OF THE TO-BE ISSUED BANK INSTRUMENT. ALTERNATIVELY, THE CLIENT COULD PROVE VALIDITY OF THE INSTRUMENT BY PROVIDING A PREVIOUS SWIFT TRANSMISSION THAT CAN BE VERIFIED.

» THE CLIENT SHOULD PROVIDE FOR REVIEW: (A) THE ISSUING BANK’S READY-WILLING-ABLE (RWA) OR VERIFICATION LETTER, CONFIRMING INSTRUMENT ISSUANCE; (B) COPY OF THE ISSUED BANK INSTRUMENT, ALONG WITH ANY BANK DOCUMENTATION, SCREENING OR EVIDENCE ASSOCIATED WITH THE INSTRUMENT; (C) CONTACT DETAILS (OR BUSINESS CARD) OF THE CLIENT'S RELATIONSHIP BANK OFFICER OR COOPERATIVE, CONFIRMING BANK OFFICER; (D) CLIENT INFORMATION SHEET (CIS) AND PASSPORT OF THE CURRENT BENEFICIAL OWNER OF THE INSTRUMENT; AND (E) CLIENT LETTER INDICATING INTENTION, CAPABILITY AND READINESS TO TRANSACT.

» IF THE COMPLIANCE AND PROGRAM FUNCTION IS NOT SATISFIED WITH PRE-ACCEPTING A PARTICULAR INSTRUMENT FOR ADVANCE PROGRAM CONTRACT ISSUANCE, THE CLIENT MAY BE GIVEN OPTION TO PROVE BY PROPERLY SENDING THE INSTRUMENT, AND WHEREBY IF RECEIVED, POSTED AND AUTHENTICATED BY RECEIVING, THEN THE PROGRAM CONTRACT WOULD BE PROMPTLY ISSUED TO THE CLIENT.

» COMPLIANCE PREFER ACCEPTING CLIENTS WITH EXISTING, ISSUED, OWNED AND VERIFIABLE INSTRUMENTS. IF THE APPLICANT DOES NOT CURRENTLY OWN, BUT RATHER WILL BE PURCHASING THE INSTRUMENT OR USING A ‘PARTNER’ TO ISSUE ON THEIR BEHALF, THEN THE APPLICANT MUST CLEARLY INDICATE SUCH IN THE SUBMISSION KYC AND/OR LETTER AND ALSO INCLUDE A VIABLE CURRENT PROOF OF FUNDS (POF), AND THUS EVIDENCING THE FINANCIAL CAPABILITY.

TO PURCHASE AND CAUSE ISSUANCE OF THE INSTRUMENT (AND NOT RENT / LEASE FROM A ‘PROVIDER’ OR ARRANGER)

» RECEIVING / MONETIZING PREFER CLIENTS THAT HAVE:

(A) THEIR OWN BANK ACCOUNT AT THE ISSUING AND SENDING BANK;

(B) A DIRECT-RELATIONSHIP BANKER AT THE SENDING BANK; AND

(C) ABILITY TO SHOW AN ACTUAL ACCOUNT STATEMENT WITH ACCOMPANYING BANK LETTER FROM WHICH THE INSTRUMENT WAS OR WILL BE ISSUED. UNLESS SPECIAL CONSIDERATION IS OTHERWISE GIVEN, PROPOSING TO USE AN UNKNOWN ‘PROVIDER’, ARRANGER, OR INDIRECT FUNDER FOR ISSUING AND SENDING OF A BANK INSTRUMENT IS NOT OF INTEREST NOR ACCEPTABLE.

» ALL BANK INSTRUMENTS WILL NEED TO BE BLOCKED TO BENEFICIAL FAVOR OF THE RECEIVER. A BANK DRAFT OR CERTIFICATE OF DEPOSIT MAY REQUIRE ACTUAL ISSUANCE IN THE NAME OF RECEIVER / MONETIZER (NOT CLIENT NAME). SWIFT TRANSMISSIONS ARE SENT TO THE CLIENT’S OWN OR AN ELECTIVE RECEIVER OR MONETIZER FOR LTV, SERVICING, MONETIZATION, WITH RESULTING SERVICEABLE FACE VALUE (I.E. RESULTANT VALUE) USED IN THE CLIENT’S PROGRAM.

» PLATFORM BEGINS RESPONSIBILITY TO THE TRANSACTION AND PROGRAMMING ACTIVITY ONCE FUNDS RESULTING FROM THE SUCCESSFUL MONETIZATION OF A VALID, CONFIRMED BANK INSTRUMENT BY SEPARATE, EXTERNAL MONETIZER ARE RECEIVED AND ACCEPTED FOR UTILIZATION. A CLIENT IS FREE TO USE ITS OWN SELECTED MONETIZER FOR ITS OWN INSTRUMENT IN THE TRANSACTION, AS THERE IS NO OBLIGATION TO USE ANY RECEIVER OR RECEIVING MONETIZER THAT MAY BE SUGGESTED OR IS AVAILABLE. ANY ELECTIVE RECEIVING COORDINATES THAT MAY BE PROVIDED ARE TO A CONFIDENTIAL RELATIONSHIP, AND CLIENT SPECIAL REQUESTS FOR EXTERNAL RECEIVER PASSPORT, INFORMATION SHEET, REGISTRATION, ETC. ARE TYPICALLY NOT ACCOMMODATED.

» ON A CASE-BY-CASE BASIS THE COMPLIANCE OFFICE MAY DEEM NECESSARY THE USE OF A SUPPORTING AGREEMENT, MONETIZATION DOCUMENT THAT MAY BE REQUIRED FOR CLIENT SIGNING, OR A LIMITED POWER OF ATTORNEY (POA) TO ALLOW THE PLATFORM TO SIGN ON CLIENT’S BEHALF.

» FOLLOWING VERIFICATION OF THE SWIFT, THE SENDING BANK MAY BE REQUIRED TO SEND THE INSTRUMENT HARD COPY TO THE RECEIVING BANK VIA ACCEPTABLE COURIER.

» REFER TO GENERAL NOTES FOR ADDITIONAL DETAILS

This Program is for select clients immediately ready to transact. Please do not formally submit if the applicant is not actually ready to transact without delay. Program positions are by special invitation on a case-by-case basis.

SWIFT / BANK WIRE TRANSFER

NUMEROUS APPLICANT AND CLIENT GROUPS HAVE EXPRESSLY REQUESTED A PRIVATE TRANSFER PROGRAM, SO THEY MAY PUT THEIR FUNDS TO PRODUCTIVE USE WITHOUT COMPLICATION OR DELAY. GLOBAL GROUPS HAVE UNFULFILLED AND PENDING PROJECTS THAT THEY WISH TO ADDRESS AND FIELD TO VARIOUS MARKET SECTORS, SUCH AS HUMANITARIAN, BUSINESS CONTINUITY, HEALTH-RELATED, PROCUREMENT, FUNDING, ETC.

SELECT PRIVATE INDIVIDUALS AND CORPORATE GROUPS ARE BEING CONSIDERED FOR ACCEPTANCE TO FUNDS-TRANSFER MULTI-STEP PROGRAMMING, WHICH INCLUDES A SERIES OF SHORT PROGRAMS FOLLOWED BY LONG PROGRAM WITH VARIOUS OPTIONS, FOR APPROVED CLIENTS WITH ABILITY TO TRANSFER CASH FUNDS VIA THE STANDARD BRUSSELS SWIFT SYSTEM OR BANK WIRE.

CASH FUNDS

ONE-HUNDRED MILLION (100M) TO UP TO TEN BILLION (10B) OR GREATER, OR AS AGREED.

NOTE: SMALLER TOTAL AMOUNTS MAY BE USED BY SPECIAL ACCEPTANCE, SUCH AS MINIMUM 30M, 50M, ETC.

SEVERAL RECEIVING OPTIONS ARE AVAILABLE:

OPTION #1: ACCEPTING FROM SMALL TO VERY LARGE AMOUNT(S) IN SINGLE OR SEQUENTIAL TRANCHES (CAN BE UP TO 10B OR GREATER PER TRANCHE, OR AS AGREED), RECEIVED AND ROUTED VIA LEGAL PLATFORM ARRANGED PAYMASTER SERVICE ROUTING & MAJOR U.S. BANKING. (PREFERRED BY MOST GLOBAL CLIENT GROUPS)

OPTION #2: DIRECT PLATFORM / FOUNDATION RECEIVING ACCOUNT AT MAJOR BANK WITH PREFERENCE STARTING

CONFIDENTIAL – NOT FOR DUPLICATION OR GENERAL CIRCULATION

REFER TO SEPARATE NOTICE OF DISCLOSURE, CONFIDENTIALITY & PRIVACY

WITH A ‘PRIMING’ AMOUNT: SUCH AS UP TO ONE MILLION (1M) TO FORTY-NINE (49M), OR AS AGREED. FOLLOWING THE PRIMING AMOUNT TO BE PREFERRED AT ONE- TO FIVEHUNDRED MILLION (500M) TO UP TO AMOUNTS AS AGREED.

OPTION #3: PARTNER SERVICE-RECEIVING ACCOUNTS IN CANADA, EUROPE, OR AS ARRANGED CASE-BY-CASE.

PROGRAMMING OPTIONS & REFERENCE GUIDELINE

» MULTI-STEP PROGRAM » CONTINUAL LONG-TERM » CUSTOM PROGRAM

(Informational Only)

MAJOR BANKS WORLDWIDE ACCEPTED (OR AS APPROVED BY COMPLIANCE / MANAGEMENT)

SWIFT MT-103 (NO PRE-ADVICE, UNLESS AGREED), OR BANK WIRE, OR AS AGREED

10DAY SHORT PROGRAM (2X THE FACE VALUE RECEIVED) THEN;
A DISCRETIONARY 30–DAY SHORT PROGRAM (5X THE FACE VALUE RECEIVED) THEN;
40-WEEKS LONG-TERM PROGRAM (UP TO 1X THE FACE VALUE RECEIVED WEEKLY) THEN;
THE OPTION TO ENTER 3-5 YEARS EVERGREEN PROGRAM (UP TO 1X THE FACE VALUE RECEIVED WEEKLY). [HISTORICAL, OR AS AMENDED] *

CONDITIONS, ETC. THE TERM ‘FACE VALUE’ CORRESPONDS TO FINAL STRUCTURING VALUE / PROCEEDS UTILIZED.

NOTES

» IN MANY CASES THE CLIENT MAY CALL FOR THE TRANSACTION TO START WITH A ‘PRIMING’ AMOUNT OF 149 MILLION, SO THAT THE RECEIVING BANK ACCEPTS FROM SENDER AND DOES NOT INDEFINITELY HOLD UP OR DELAY A MUCH LARGER AMOUNT. THE PRIMING AMOUNT ALSO CONFIRMS ABILITY, ADDRESSES DUE DILIGENCE (DD), AND READIES RECEIVING FOR THE INTENDED LARGER AMOUNT(S), EITHER SCHEDULED IN FULL OR IN TRANCHES. (OPTIONAL)

» FOR APPROVAL AND RECEIVING DD, THE CLIENT (OWNER) TRANSFERRING FUNDS PROVIDES PASSPORT, CLIENT INFORMATION SHEET (CIS), AND PROOF OF FUNDS (TYPICALLY AN ACCOUNT STATEMENT, OR ACCEPTABLE EVIDENCE OF BANKING POSITION). RECEIVING CANNOT ACCEPT AND PROCESS UNKNOWN FUNDS OR CLIENT.

» THIS MUST BE A GENUINE, ACTUAL TRANSFER OF FUNDS USING THE BRUSSELS SWIFT SYSTEM OR BANK WIRE TO PLATFORM RECEIVING (OR AS AGREED).

» FOR FUNDS RECEIVED VIA PLATFORM PAYMASTER SERVICE ROUTING, PROGRAMMING WOULD ADVANCE ONCE FUNDS HAVE BEEN ROUTED AND POSTED TO PLATFORM ACCOUNT.

» ONCE FUNDS ARE RECEIVED, IF DESIRED THE PLATFORM MAY ESTABLISH A SEPARATE OPERATIVE (SUB)ACCOUNT OR TRANSACTIONAL ACCOUNT FOR THE CLIENT’S PROGRAM ACTIVITY; SUCH ACCOUNT ARE NOT PROVIDED IN ADVANCE OF FUNDS RECEIVING, CLEARING AND POST).

SPECIFIC PROTOCOLS NOT ACCEPTABLE FOR PROGRAMMING

PROGRAM DISBURSEMENTS

PROTOCOL THAT ARE NOT ACCEPTABLE FOR PROPOSED CASH FUNDS TRANSFERS INCLUDE: (A) SERVER BASED ‘POSTING’ BY PROVIDING BANKING CODES; (B) INTERNAL ASSIGNMENT, WHEREBY A SCREEN WITH CODES DECRYPT IN RECEIVING PORTAL TO DOWNLOAD AND USE AS COLLATERAL; (C) INTERNAL SERVER ACCOUNTS; (D) SERVER ‘PLEDGING’ IN FAVOR OF RECEIVING BANKING BY MEANS OF VARIOUS SERVER-BASED SYSTEMS; (E) SWIFT IP, IPIP, IPID, S2S, KTT, FX4, POS, ETC. THE TRANSFER PROGRAM IS SPECIFICALLY FOR ACTUAL CASH TRANSFER ONLY. CONTACT SEPARATELY FOR OPTIONS REGARDING ‘SERVER-BASED’ TRANSFERS.

ALL PROGRAMMING PROFITS TO BE PAID OUT ON A WEEKLY BASIS. (NOTE: PROGRAM CONTENT, PROFIT STRUCTURE,

SCHEDULES, PROCEDURES, PROTECTIONS, SAMPLES, ETC. ARE DETAILED IN THE DIRECT ISSUED (IPCA) AGREEMENT).

SPECIAL CONSIDERATION PROVIDING A ‘DISCRETIONARY PERFORMANCE ADVANCE’ UP TO ONE PERCENT OUTSIDE OF NORMAL PROGRAMMING SCOPE MAY BE CONSIDERED AND PROVIDED BY PROGRAM MANAGEMENT (REFER TO GENERAL NOTES); ALTHOUGH IT WILL BE QUESTIONED AS TO WHY A CLIENT TRANSFERRING CASH FUNDS WOULD BE REQUESTING FUNDS RETURNED AS BONUS FROM THE ACTUAL TRANSFER.

(1) PRELIMINARY REVIEW OF APPLICANT’S OWN “KYC” PACKAGE. FOLLOWING PRELIMINARY REVIEW AND INTEREST,

(3) SPECIAL TRANSACTION DOCUMENTATION IS THEN EXCLUSIVELY PREPARED FOR THE CLIENT, INCLUDING THE (IPCA) CONTRACT AND (IFPPO) PROTECTION FOR REGISTERED CONSULTANTS.

AGENTS

» REFER TO GENERAL NOTES FOR ADDITIONAL DETAILS

SWIFT GPI

PROGRAMMING OPTIONS & REFERENCE GUIDELINE

» MULTI-STEP PROGRAM » CONTINUAL LONG-TERM » CUSTOM PROGRAM

A SPECIAL MULTI-STEP PROGRAM WITH VARIOUS SHORT AND LONG PROGRAM ELEMENTS THAT MAY BE PROVIDED TO SELECT CLIENTS WITH ABILITY TO SEND TRANSFERS VIA SWIFT “GPI”

SWIFT ‘GLOBAL PAYMENT INITIATIVE’, ALSO KNOWN BY THE ACRONYM “GPI”, IS THE LATEST INITIATIVE BY SWIFT, COMBINING THE TRADITIONAL SWIFT MESSAGING AND BANKING SYSTEM WITH A NEW SET OF IMPROVEMENTS IN SPEED, SECURITY AND TRANSPARENCY IN MANAGING INTERNATIONAL TRANSFERS.

NUMEROUS APPLICANT AND CLIENT GROUPS HAVE EXPRESSLY REQUESTED A “GPI” TRANSFER PROGRAM, SO THEY MAY PUT THEIR FUNDS TO PRODUCTIVE USE WITHOUT COMPLICATION OR DELAY. GLOBAL GROUPS HAVE UNFULFILLED AND PENDING PROJECTS THAT THEY WISH TO ADDRESS AND FIELD TO VARIOUS MARKET SECTORS (E.G. HUMANITARIAN, BUSINESS CONTINUITY, HEALTH-RELATED, PROCUREMENT, FUNDING, ETC.)

CASH FUNDS

ONE-HUNDRED MILLION (100M) AND GREATER

MAJOR BANKS, BRANCHES AND CURRENCIES WORLDWIDE ACCEPTED (OR AS APPROVED BY COMPLIANCE / MGMT)

SWIFT GPI AUTOMATIC

CONFIDENTIAL – NOT FOR DUPLICATION OR GENERAL CIRCULATION

REFER TO SEPARATE NOTICE OF DISCLOSURE, CONFIDENTIALITY & PRIVACY

(Informational Only)

NOTES

PROGRAM DISBURSEMENTS

THE PROGRAMMING REFERENCE GUIDELINE FOR A SERIES OF MULTI-STEP, SEQUENTIAL PROGRAM OPTIONS STRUCTURED SPECIFICALLY FOR THE CLIENT MAY COMMENCE FOLLOWING VALID PROTOCOL VERIFICATION, SEPARATE MONETIZATION / FUNDING OF THE PROVIDED ASSET / INSTRUMENT, PLATFORM RECEIPT AND ACCEPTANCE OF RESULTANT PROCEEDS, WITH PROFIT OBJECTIVES AND GOALS BASED ON BEST EFFORTS PROGRAMMING UP TO: (1) 10-DAY SHORT PROGRAM (2X THE FACE VALUE RECEIVED) THEN; (2) A DISCRETIONARY 30–DAY SHORT PROGRAM (5X THE FACE VALUE RECEIVED) THEN; (3) 40WEEKS LONG-TERM PROGRAM (UP TO 1X THE FACE VALUE RECEIVED WEEKLY) THEN; (4) THE OPTION TO ENTER 3-5 YEARS EVERGREEN PROGRAM (UP TO 1X THE FACE VALUE RECEIVED WEEKLY). [HISTORICAL, OR AS AMENDED] *

» FOR APPROVAL AND RECEIVING DUE DILIGENCE, THE CLIENT (OWNER) TRANSFERRING VIA SWIFT GPI PROVIDES PASSPORT, CLIENT INFORMATION SHEET (CIS), AND PROOF OF FUNDS (TYPICALLY AN ACCOUNT STATEMENT, OR ACCEPTABLE EVIDENCE OF BANKING POSITION).

» THIS MUST BE A GENUINE, ACTUAL TRANSFER USING THE SWIFT GPI SYSTEM TO ELECTIVE RECEIVING.

» DUE TO UTILIZING EXTERNAL RECEIVING AND ROUTING, GPI RECEIVING CIRCUMSTANCES NECESSITATE COMPLIANCE SCRUTINY AND MAY INVOLVE ADDITIONAL RECEIVING AND PROCESS FEES VS. NORMAL BRUSSELS SWIFT OR TRANSFER.

SPECIAL CONSIDERATION PROVIDING A ‘DISCRETIONARY PERFORMANCE ADVANCE’ UP TO ONE PERCENT OUTSIDE OF NORMAL PROGRAMMING SCOPE MAY BE CONSIDERED AND PROVIDED BY PROGRAM MANAGEMENT (REFER TO GENERAL NOTES); ALTHOUGH IT WILL BE QUESTIONED AS TO WHY A CLIENT TRANSFERRING FUNDS WOULD BE REQUESTING FUNDS RETURNED AS BONUS FROM THE ACTUAL TRANSFER.

(1) PRELIMINARY REVIEW OF APPLICANT’S OWN “KYC” PACKAGE. FOLLOWING PRELIMINARY REVIEW AND INTEREST,

(3) SPECIAL TRANSACTION DOCUMENTATION IS THEN EXCLUSIVELY PREPARED FOR THE CLIENT, INCLUDING THE (IPCA) CONTRACT AND (IFPPO) PROTECTION FOR REGISTERED CONSULTANTS.

AGENTS

» REFER TO GENERAL NOTES FOR ADDITIONAL DETAILS

LEDGER-TO-LEDGER (L2L) TRANSFER

• NON-SWIFT PROTOCOL

• DIRECT ISSUED CONTRACT

PROGRAMMING OPTIONS & REFERENCE GUIDELINE

» MULTI-STEP PROGRAM » CONTINUAL LONG-TERM » CUSTOM PROGRAM

(Informational Only)

A SPECIAL MULTI-STEP PROGRAM WITH VARIOUS SHORT AND LONG PROGRAM ELEMENTS THAT MAY BE PROVIDED TO SELECT CLIENTS WITH ABILITY TO TRANSFER FUNDS VIA LEDGER-TO-LEDGER TO PLATFORM RECEIVING.

CASH FUNDS (NO GREY SCREEN OR SERVER ACCOUNTS) CERTIFICATE OF DEPOSIT (SELECT CASES ONLY)

TWO-HUNDRED MILLION AND UP, PER TRANSFER DELIVERY (OR AS AGREED)

SPECIFIC BANKS WORLDWIDE (AS APPROVED BY COMPLIANCE / MANAGEMENT)

BANK LEDGER TO BANK LEDGER (NO PRE-ADVICE)

THE PROGRAMMING REFERENCE GUIDELINE FOR A SERIES OF MULTI-STEP, SEQUENTIAL PROGRAM OPTIONS STRUCTURED SPECIFICALLY FOR THE CLIENT MAY COMMENCE FOLLOWING VALID PROTOCOL VERIFICATION, PLATFORM RECEIPT AND ACCEPTANCE OF RESULTANT PROCEEDS, WITH PROFIT OBJECTIVES AND GOALS BASED ON BEST EFFORTS PROGRAMMING UP TO: (1) 10-DAY SHORT PROGRAM (2X THE FACE VALUE RECEIVED) THEN; (2) A DISCRETIONARY 30–DAY SHORT PROGRAM (5X THE FACE VALUE RECEIVED) THEN; (3) 40WEEKS LONG-TERM PROGRAM (UP TO 1X THE FACE VALUE RECEIVED WEEKLY) THEN; (4) THE OPTION TO ENTER 3-5 YEARS

EVERGREEN PROGRAM (UP TO 1X THE FACE VALUE RECEIVED WEEKLY). [HISTORICAL, OR AS AMENDED] *

NOTES

» THIS TRANSACTION TYPE CAN BE SETTLED QUICKLY ONCE THE CLIENT PROVIDES BANK LEDGER-TO-LEDGER (L2L) TRANSFER EVIDENCE AND VERIFICATION.

» THIS MUST BE A GENUINE, ACTUAL TRANSFER OF FUNDS (NOT SIMPLY A ‘COLLATERAL’ OR ‘CREDIT ENHANCEMENT’, AND NOT A SERVER OR ‘DOWNLOAD’ REQUEST CIRCUMSTANCE).

ALL PROGRAMMING PROFITS ARE PAID OUT ON A WEEKLY BASIS. (NOTE: PROGRAM CONTENT, PROFIT STRUCTURE, SCHEDULES, PROCEDURES, PROTECTIONS, SAMPLES, ETC. ARE DETAILED IN THE DIRECT-ISSUED (IPCA) AGREEMENT).

SPECIAL CONSIDERATION PROVIDING A ‘DISCRETIONARY PERFORMANCE ADVANCE’ UP TO ONE PERCENT OUTSIDE OF NORMAL PROGRAMMING SCOPE MAY BE CONSIDERED AND PROVIDED BY PROGRAM MANAGEMENT (REFER TO GENERAL NOTES); ALTHOUGH IT WILL BE QUESTIONED AS TO WHY A CLIENT TRANSFERRING FUNDS WOULD BE REQUESTING FUNDS RETURNED AS BONUS FROM THE ACTUAL TRANSFER.

(1) PRELIMINARY REVIEW OF APPLICANT’S OWN “KYC” PACKAGE. FOLLOWING PRELIMINARY REVIEW AND INTEREST,

FOR CONTRACT PREPARATION;

(3) SPECIAL TRANSACTION DOCUMENTATION IS THEN EXCLUSIVELY PREPARED.

AGENTS

» REFER TO GENERAL NOTES FOR ADDITIONAL DETAILS

EUROCLEAR FREE-DELIVERY

WITH SEPARATE, ELECTIVE RECEIVING & MONETIZING

• NON-SWIFT PROTOCOL

• DUAL, SEPARATE SERVICING CONTRACTS

PROGRAMMING OPTIONS & REFERENCE GUIDELINE

» MULTI-STEP PROGRAM » CONTINUAL LONG-TERM » CUSTOM PROGRAM

(Informational Only)

A SPECIAL MULTI-STEP PROGRAM WITH VARIOUS SHORT AND LONG PROGRAM ELEMENTS FOR SELECT CLIENTS WITH ABILITY TO SEND MTN AND BONDS VIA EUROCLEAR FREE-DELIVERY TO SEPARATE, ELECTIVE RECEIVING AND MONETIZING CHANNEL

MEDIUM-TERM NOTE (MTN) ALSO, US TREASURY BONDS, AND OTHER APPROVED BONDS (EXTERNAL SERVICING)

ONE-HUNDRED MILLION AND GREATER

MAJOR BANKS WORLDWIDE ACCEPTED (OR AS APPROVED BY COMPLIANCE / MANAGEMENT)

EUROCLEAR FREE-DELIVERY * (NO PRE-ADVICE)

RECEIVED WEEKLY) THEN; (4) THE OPTION TO ENTER 3-5 YEARS EVERGREEN PROGRAM (UP TO 1X THE FACE VALUE RECEIVED WEEKLY). [HISTORICAL, OR AS AMENDED] *

NOTES

» PLATFORM BEGINS RESPONSIBILITY TO THE TRANSACTION AND MULTISTEP PROGRAMMING ACTIVITY ONCE SEPARATELY MONETIZED FUNDS ARE RECEIVED AND ACCEPTED BY THE PLATFORM, RESULTING FROM AND DISBURSED BY A SUCCESSFUL MONETIZATION OF A VALID, CONFIRMED EUROCLEAR FREEDELIVERY BY THE CLIENT TO SEPARATE, EXTERNAL MONETIZER.

» IN THIS TRANSACTION TYPE SPECIFICALLY, DUE TO THE TYPE OF ASSET AND REQUIREMENT OF A TITLE CHANGE, THE PLATFORM MUST REMAIN DISTINCT AND SEPARATE FROM THE RECEIVING AND MONETIZATION OPERATION, THUS IT IS THE CLIENT’S OPTION TO HAVE A SEPARATE PROGRAM CONTRACT TO UTILIZE MONETIZED FUNDS IN PROGRAMMING, AND A SEPARATE CONTRACT THAT THE CLIENT MAY EXECUTE WITH THE SEPARATE RECEIVER / MONETIZER (PROVIDING FOR ANY SPECIFICS CONCERNING THE MONETIZATION, ASSET RETURN, ROUTING OF THE FUNDING PROCEEDS FOR UTILIZATION, ETC.)

» AS IN ALL TRANSACTIONS, A CLIENT IS FREE TO USE ITS OWN MONETIZER, AS THERE IS NO OBLIGATION TO USE ANY RECEIVING MONETIZER THAT MAY BE SUGGESTED OR IS AVAILABLE.

» * IT IS IMPORTANT TO RECOGNIZE THAT THE PLATFORM DOES NOT ITSELF RECEIVE ANY ASSET; NOR COULD IT EVER COMPEL, PREVENT OR CONTROL A FREE DELIVERY AND DECISION MADE BY ANY ASSET OWNER / SENDER TO A SEPARATE, EXTERNAL RECEIVING ENTITY REFERRED, ADDRESSED OR OTHERWISE REGARDING OWNERSHIP OR TITLEHOLDING CHANGE OF ANY ASSET; NOR COULD IT CONTEMPLATE OR INHIBIT ANY DESIRED CONTRACTUAL OR DOCUMENTATION THAT MAY BE DEEMED NECESSARY OR SUPPLEMENTAL BY THE SENDER OF SAID ASSET TO AND WITH SUCH A RECEIVER, AS WOULD BE TYPICAL AND PRUDENT WITHIN A CHANGE OF TITLEHOLDING CONTEXT.

» THIS TRANSACTION-TYPE USING THE STANDARD BRUSSELS EUROCLEAR SYSTEM TYPICALLY CAN BE RECEIVED AND SETTLED ONCE THE CLIENT PROVIDES A GENUINE FREE-DELIVERY TRANSFER AND SCREENING VERIFICATION TO A SELECTED MONETIZER, AS

WOULD BE INSTRUCTED SEPARATELY BY THE MONETIZING FUNCTION. THIS TRANSACTION-TYPE IS NOT FOR ‘BLOCKING’ VIA EUROCLEAR; NO SERVER ‘DOWNLOADING’; NO ‘POST & BLOCK’; NO NEED FOR SPECIAL ‘BANKING CODES’; NO ‘PLEDGING’; NO ‘INTERNAL ASSIGNMENTS’; NO ‘PORTAL COLLATERAL’; NO ‘LINKING OR BLOCKING’, ETC.). SIMPLY, THE MTN / BONDS ARE TO BE CLEARED AND RECEIVED TO A RECEIVING ACCOUNT WITHOUT RECEIVER INPUT OF ANY KIND. THE PLATFORM DOES NOT RECEIVE OR WORK DIRECTLY WITH ANY SECURITY OF ANY TYPE, AND THIS PROGRAM UTILIZES ONLY THE RESULTING PROCEEDS FROM A SEPARATE MONETIZATION OR FUNDING,

» LTV BASED ON MARKET, VALUATION, TIMING, INSTRUMENT, AMOUNT, SERVICING AND MONETIZATION ARRANGEMENT.

FOLLOWING PROGRAM COMMENCEMENT, THE CLIENT MAY BE PROVIDED AN OPTION TO RE-INVEST A REASONABLE PORTION OF CLIENT NET PROFITS (COMPOUNDING) INTO THE NEXT STEP OF THE MULTI-STEP PROGRAM.

CONSIDERATION FOR A ‘DISCRETIONARY PERFORMANCE ADVANCE’ UP TO ONE PERCENT OUTSIDE OF NORMAL PROGRAMMING SCOPE MAY BE CONSIDERED AND PROVIDED BY PROGRAM MANAGEMENT (REFER TO GENERAL NOTES).

CURRENT-DATED SPECIFIC KYC PACKAGE, WHICH MUST INCLUDE PROOF OF INSTRUMENT OR MONETIZATION; SPECIAL TRANSACTION DOCUMENTATION IS EXCLUSIVELY PREPARED FOR THE CLIENT, INCLUDING THE (IPCA)

CONTRACT AND (IFPPO) PROTECTION FOR REGISTERED CONSULTANTS.

AGENTS

» REFER TO GENERAL NOTES FOR ADDITIONAL DETAILS

GENERAL NOTES

• IMPORTANT

SUPPLEMENTAL INFORMATION

REMEMBER, IT IS A PRIVILEGE TO BE INVITED TO PARTICIPATE IN A PROJECT FUNDING OR PROGRAMMED TRANSACTION, IT IS NOT A RIGHT. THE PROGRAM AND COMPLIANCE MANAGERS ASSESS A CONTINUAL STREAM OF ASPIRING CLIENTS, WITH APPROVAL FAVORING THE MOST QUALIFIED, COOPERATIVE AND RESPONSIVE APPLICANTS PROVIDING THE BEST PAPERWORK AND CLIENTPARTNER SITUATIONS.

SUBMISSION & PROCESSING

SAMPLE SUBMISSION AND PROCESSING DOCUMENTS ARE AVAILABLE UPON REQUEST.

YOU ARE WELCOME TO MAKE ANY SERIOUS INQUIRIES OR SUBMISSIONS OF CLIENT MATERIAL FOR COMPLIANCE OFFICE REVIEW AND GUIDANCE / RESPONSE.

BASIC PROCESS: (1) PRELIMINARY REVIEW OF APPLICANT’S OWN “KYC” PACKAGE AND BANKING MATERIAL. FOLLOWING PRELIMINARY REVIEW AND GENERAL INTEREST, (2) IF REQUESTED, THE CLIENT MAY BE REQUIRED TO COMPLETE A CURRENT-DATED SPECIFIC KYC PACKAGE, WHICH MUST INCLUDE CURRENT PROOF OF FUNDS AND/OR PROOF OF INSTRUMENT (OR AS SPECIFIED), AUTHORITY TO VERIFY, ETC., AND/OR PROVIDE SUPPORTING MATERIAL; ONCE APPROVED A SPECIFIC “DATA SHEET” MUST BE COMPLETED PRIOR FOR CONTRACT PREPARATION; (3) SPECIAL TRANSACTION DOCUMENTATION WILL BE EXCLUSIVELY PREPARED FOR THE CLIENT, INCLUDING THE (IPCA) CONTRACT, SAMPLES, AND (IFPPO) PROTECTION FOR REGISTERED CONSULTANTS. FINAL INSTRUCTIONS AND/OR RECEIVING COORDINATES ARE PROVIDED UPON CONTRACT EXECUTION AND CLIENT READINESS CONFIRMATION.

Failure to provide full disclosure will disqualify the disingenuous. It is felony fraud to submit documents or financial instruments that are forged, altered or counterfeit. such papers can be promptly referred to the appropriate enforcement agencies for investigation.

APPLICANT & CLIENT

PROGRAMMING OPTIONS

MONETIZATION

IN ALL CASES THE PLATFORM PREFERS TO WORK AND CONTRACT DIRECTLY WITH RESPONSIBLE, ACTUAL OWNERS OF BANK ACCOUNTS AND GENUINE BANK INSTRUMENTS

IN RARE CIRCUMSTANCES, A PROXY OR THIRD-PARTY TRANSACTION MAY BE ACCEPTED WITH COMPLIANCE OFFICE AND DUE DILIGENCE (DD) APPROVAL. ANY CLIENT PARTY FORMALLY EXECUTING A CONTRACT IS DIRECTLY RESPONSIBLE FOR PERFORMING THERETO.

ABSOLUTE PRIVACY, TRUST AND CONFIDENTIALITY ARE KEY ELEMENTS OF EVERY PROGRAMMING CONTRACT. A CLIENT (OR AGENT) THAT BREAKS SUCH WILL PRECIPITATE INSTANT CANCELLATION OF CONTRACT AND/OR RELATIONSHIP.

THE APPROVED, COOPERATIVE, AND PERFORMING CLIENT WILL HAVE THE OPTION TO PARTICIPATE IN VARIOUS PROGRAMMING OPTIONS, SUCH AS AN ENHANCED MULTISTEP, SEQUENTIAL PROGRAM; OR A CONTINUAL LONG-TERM PROGRAM; OR CONSULT REGARDING A CUSTOM PROGRAM (TO ADDRESS A SPECIFIC PROJECT, GOAL, ETC.).

THE MULTI-STEP PROGRAM THE CLIENT MAY SELECT WOULD AUTOMATICALLY STEP IN SEQUENCE UNLESS OTHERWISE AGREED IN ADVANCE. A MINIMUM ONE YEAR IN PROGRAM DURATION IS REQUIRED, UNLESS OTHERWISE AGREED IN ADVANCE. THE TERM “DAYS” TYPICALLY REFERS TO BANKING DAYS, NOT CALENDAR DAYS. THE CONTRACTED CLIENT WILL BE EXPECTED TO PERFORM WITHIN SEVEN DAYS OF CONTRACT EXECUTION AND/OR PROVIDED READINESS CONFIRMATION.

ALL PROGRAMMING MUST BE MAINTAINED ON A BEST-EFFORTS BASIS AND MAY BE ADJUSTED AS DEEMED NECESSARY BY THE SERVICING GROUP FOR MATTERS INVOLVING PROGRAMMING ASPECTS AND PARAMETERS, SERVICING FACILITIES, PARTNERS OR OUTLETS, FUNDING, SOURCE AVAILABILITIES, VARIABLE MARKET CONDITIONS, ETC.

FOR BANK INSTRUMENTS, ASSETS AND CERTAIN SWIFT TYPES AND TRANSACTIONS THE ELECTIVELY RECEIVED OR DELIVERED CIRCUMSTANCE MUST BE MONETIZED FOR PROGRAM UTILIZATION. MONETIZATION PROCESSES AND ACTIVITIES ARE PERFORMED BY SEPARATE, EXTERNAL AND INDEPENDENT MONETIZER(S) WHEREBY ONCE MONETIZED THE RESULTING PROCEEDS CAN BE USED IN THE CLIENT’S PROGRAM BY THE PLATFORM. LTV IS TYPICALLY BASED ON MARKET, TIMING, VALUATION, INSTRUMENT, AMOUNT, SERVICING AND MONETIZATION ARRANGEMENT WITH A SPECIFIC RECEIVING MONETIZER. THE PLATFORM BEGINS RESPONSIBILITY TO ANY TRANSACTION AND PROGRAMMING ACTIVITY ONCE FUNDS RESULTING FROM THE SUCCESSFUL MONETIZATION OF A VALID, CONFIRMED BANK INSTRUMENT BY SEPARATE, EXTERNAL MONETIZER ARE RECEIVED, ACCEPTED, AND POSTED FOR UTILIZATION. THE PLATFORM DOES NOT RECEIVE OR WORK DIRECTLY WITH ANY SECURITY OF ANY TYPE, AND ANY PROGRAMMING PROPOSED HEREIN OR IN ACCOMPANYING MATERIAL UTILIZES ONLY THE RESULTING CASH PROCEEDS FROM A SEPARATE, INDEPENDENT MONETIZATION OR FUNDING, TO BE CLEAR, THE PLATFORM IS NOT RESPONSIBLE DIRECTLY FOR MONETIZATION, AND A CLIENT IS FREE TO USE ITS OWN SELECTED MONETIZER FOR ITS OWN INSTRUMENT IN THE TRANSACTION, AS THERE IS NO OBLIGATION TO USE ANY RECEIVER OR RECEIVING MONETIZER THAT MAY BE SUGGESTED, REFERRED OR IS AVAILABLE. SPECIAL MATERIAL REQUESTS ARE TYPICALLY NOT ACCOMMODATED.

DISCRETIONARY PERFORMANCE ADVANCE

THE FOCUS OF A MULTI-STEP PROGRAM IS THE COMMENCEMENT AND PROPER PROCESSING OF A MASTER STRUCTURED PROGRAM FOR THE PARTICIPATING CLIENT. FOR CERTAIN PROGRAM / PROTOCOL TYPES, WHERE AND WHEN POSSIBLE, THE TRADING MANAGER WILL MAKE AN EFFORT TO EFFECTUATE A DISCRETIONARY PERFORMANCE ADVANCE (DPA), WHICH IS A SEPARATE ADVANCE PAYMENT, FOR THE COOPERATIVE AND PROMPTLY PERFORMING CLIENT. THIS SHOULD ALWAYS BE VIEWED AS A SPECIAL CONSIDERATION PROVIDED BY THE TRADING MANAGER AND ONLY WHEN POSSIBLE, AND NOT A DEFINITE CIRCUMSTANCE. A PROSPECTIVE APPLICANT SHOULD NOT SUBMIT OR INTEND TO PARTICIPATE WITH AN EXPECTATION OR URGENCY TO PRESS FOR A ONE-TIME FAST BONUS OR ADVANCE PAYMENT.

SWIFT PROTOCOL & NOTES

SPECIFIC PROTOCOLS NOT ACCEPTABLE

ALL SWIFTS (UNLESS “GPI” TRANSACTIONS) MUST BE SENT VIA BRUSSELS SWIFT SYSTEM (NOT VIA BANK SCREEN, NOT VIA SWIFTNET, NOT VIA INTERBANK SCREEN, NOT VIA BANK SERVER, NOT VIA DOWNLOAD, NOT VIA EUROCLEAR, NOT VIA DTC, NOT VIA CLEARSTREAM, ETC.), AND TRANSMITTED VIA PRIORITY SWIFT ‘URGENT EXPRESS - SAME DAY WIRE’ (NOT NORMAL PRIORITY), AND MUST BE VERIFIED AND AUTHENTICATED BY SENDING AND RECEIVING BANK OFFICERS AS GENUINE. A CERTIFIED COPY OF A SWIFT IS REQUIRED, AND UNLESS OTHERWISE DIRECTED A SENDING BANKER TO RECEIVING BANKER EMAIL CONFIRMING THE SWIFT AND ENCLOSING THE CERTIFIED COPY. IF IT IS COMMUNICATED THAT AN ANTICIPATED SWIFT IS NOT RECEIVED WITHIN A REASONABLE TIME PERIOD, IT IS THE SOLE RESPONSIBILITY OF THE CLIENT / SENDING BANKER TO PUT A TRACE ON THE SWIFT TO LOCATE IN SYSTEM; IT IS THE CLIENT’S RESPONSIBILITY TO MAKE SURE A VALID SWIFT IS SENT AND RECEIVED. IT IS NOT THE RESPONSIBILITY OF THE RECEIVER TO SPEND INDEFINITE TIME AND EFFORT LOOKING FOR A SWIFT THAT HAS NOT ARRIVED. ONCE A GENUINE SWIFT IS RECEIVED AND CONFIRMED THEN, AND ONLY THEN, CAN ACTIVITY BEGIN.

IT IS A PLATFORM AND RECEIVING PROCESSING AND REVIEW REQUIREMENT THAT THE BANK PERSON(S) SIGNING THE SWIFT TRANSMISSIONS BE ON THE OFFICIAL LATEST BANK PERSONNEL LIST. THE CLIENT MUST MAKE CERTAIN OF THE SIGNING BANK OFFICERS AND SHOULD NOT FORWARD A TRANSMISSION COPY THAT SHOWS A BANK OFFICER THAT NO LONGER WORKS AT THE BANK. PLATFORM AND RECEIVING WILL PERFORM DUE DILIGENCE AND MAY CONTACT THE BANK OR THE SWITCHBOARD TO CONFIRM THE PERSONS SIGNING THE CLIENT SWIFT ACTUALLY WORK AT THE BANK AND ARE IN THE POSITION LISTED ON THE BANKING INFORMATION OR SWIFT.

PROTOCOL THAT ARE NOT ACCEPTABLE IN TRANSACTING WITH BANK INSTRUMENTS, CASH FUNDS, MTN OR BONDS, INCLUDE: (A) SERVER BASED "POST & BLOCK", BY PROVIDING BANKING CODES; (B) INTERNAL ASSIGNMENT, WHEREBY A BLOCKED SCREEN WITH CODES DECRYPT IN RECEIVING PORTAL TO DOWNLOAD AND USE AS COLLATERAL; (C) INTERNAL SERVER ACCOUNTS FOR LINKING AND BLOCKING; (D) SERVER BLOCKING OR PLEDGING IN FAVOR OF RECEIVING BANKING BY MEANS OF VARIOUS SERVERBASED SYSTEMS; (E) SWIFT IP, IPIP, IPID, S2S, KTT, FX4, POS, ETC.

AGENT RESPONSIBILITY

AGENT PROTECTION

PLATFORM AND BANKING COMPLIANCE REVIEWING THE APPLICANT / CASE WILL EXPECT THAT THE AGENT(S) HAVE DIRECTLY COMMUNICATED WITH AND PERFORMED THEIR OWN PRELIMINARY DUE DILIGENCE (DD) ON THEIR CLIENT / CASE PRIOR TO FORMAL SUBMISSION. THE RESPONSIBLE AGENT SHOULD BE CRITICALLY AWARE OF THE MATERIAL THEY MAY CIRCULATE IN REPRESENTING THEIR CLIENT, AS IT IS FELONY FRAUD TO SUBMIT FORGED, ALTERED OR COUNTERFEIT DOCUMENTS OR FINANCIAL INSTRUMENTS.

SUBMISSION OF APPLICATION DOCUMENTS TO MORE THAN ONE SERVICING PROGRAM GROUP AT A TIME IS TERMED ‘SHOPPING’. CLIENTS AND REPRESENTING AGENTS ENABLING SO WILL BE ACCEPTED BY NONE AND REJECTED BY ALL. THE RESPONSIBLE AGENT INSISTS THAT A CLIENT HONESTLY DISCLOSE IN ADVANCE SUBMISSION HISTORY AND RESULT.

AS PART OF THE AGENT’S PRELIMINARY CLIENT / CASE ‘DD’, THE REFERRING AGENT MUST NOT SUBMIT AN APPLICANT WHO IS NOT ACTUALLY READY TO TRANSACT. IT MOST CASES IT WILL BE EXPECTED THAT THE CLIENT BE AVAILABLE TO CONFIRM THE SUBMISSION AND INTENTION TO TRANSACT. THE CASE PROCESSING, APPROVING, AND PROGRAMMING OF POSITIONS FOR CLIENTS ARE BY SPECIAL INVITATION AND INVOLVE DISCUSSIONS, ARRANGEMENTS AND STRUCTURING ACROSS NUMEROUS ENTITIES, NOTWITHSTANDING THE PLATFORM’S VALUABLE TIME AND RESOURCES SHOULD NOT BE WASTED ON ANY APPLICANT THAT IS NOT FINANCIALLY CAPABLE OR READY TO TRANSACT WITHOUT DELAY.

IN ACKNOWLEDGING ROLES OF THE PARTICIPATING AGENT TEAM, THE CLIENT WILL AUTHORIZE A MAXIMUM OF FIVE PERCENT FEE FOR THE TOTAL REFERRING AGENT GROUP(S), OF WHICH DISBURSEMENT IS ARRANGED BY THE PLATFORM AND DERIVED FROM EQUAL CONTRIBUTION FROM PLATFORM AND CLIENT PROGRAMMING PROFITS, AND AS REFERENCED IN THE PROGRAM’S CONTRACT (IPCA) FEE PROTECTION SUB-DOCUMENT (IFPPO) AND LODGED WITH THE TRANSACTION MANAGER AND SELECT PAYMASTER. THE FEE PROTECTION (IFPPO) CANNOT EXCEED FIVE PERCENT. AMOUNTS OVER THE STANDARD FIVE PERCENT ARE FROWNED UPON AND TYPICALLY NOT ALLOWED. IN RARE

SITUATION IF A DIRECTLY COOPERATING CLIENT MAKES A FORMAL REQUEST FOR ADDITIONAL AMOUNTS TO BE PAID TO AGENTS, THEN SUCH WOULD BE TAKEN FROM CLIENT’S OWN NET PROFITS AND MUST BE REFERENCED IN THE ‘PROFIT DISBURSEMENT’ OF THE CONTRACT OR DIRECTED BY SPECIAL DISBURSEMENT ORDER PRIOR TO PROGRAM DISBURSEMENTS. BE ADVISED THAT THE CLIENT WILL BE CONTACTED PRIOR TO INITIAL DISBURSEMENT TO RECONFIRM PAYMENT ORDERS.

NOTICE

IN ALL CASES THE PLATFORM PREFERS TO WORK AND CONTRACT DIRECTLY WITH RESPONSIBLE, ACTUAL OWNERS OF GENUINE, ISSUED BANK INSTRUMENTS AND BANK ACCOUNTS. IF THE CLIENT DOES NOT CURRENTLY OWN A BANK INSTRUMENT, BUT RATHER WILL BE PURCHASING FROM HIS BANK, THEN THE CLIENT SHOULD PROVIDE FOR COMPLIANCE A PROOF OF FUNDS EVIDENCING THE CLIENT’S FINANCIAL CAPABILITY TO PURCHASE THE INSTRUMENT (NOT RENT / LEASE FROM A ‘PROVIDER’).

ALL CONTRACTED CLIENTS ARE EXPECTED TO BE IN GOOD STANDING AND HAVE A DIRECT BANKING AND BANKER RELATIONSHIP WITH THE ISSUING, HOST OR SENDING BANK. WHEN REQUESTED THE CLIENT SHOULD BE ABLE WITHOUT DELAY TO PROVIDE FULL CONTACT INFORMATION OF HIS DIRECT-RELATIONSHIP BANKER. THE PLATFORM DOES NOT HAVE INTEREST WITH THE CLIENT USING A ‘PROVIDER’ OR SOME ‘FACILITATOR’ OUTSIDE OF THE BANK, WHICH EVENTUALLY WILL LEAD TO PROVIDING AN INVALID INSTRUMENT OR COPIES OF A PURPORTED SWIFT THAT IS NOT ACTUALLY SENT PROPERLY FROM THE STATED BANK OR FOUND IN THE SYSTEMS.

IT IS IMPORTANT TO UNDERSTAND THAT THE CLIENT SIGNATORY IS RESPONSIBLE AND ACCOUNTABLE FOR PERFORMING ON THE COMMITMENTS, PROGRAMMING AND RECEIVING ARRANGED ON THEIR BEHALF. A CLIENT SHOULD NOT APPLY OR SIGN THE PROGRAM CONTRACT IF NOT ABSOLUTELY CERTAIN OF THEIR OWN DIRECT BANKING RELATIONSHIP AND CAPABILITY.

» ON A CASE-BY-CASE BASIS THE COMPLIANCE OFFICE MAY DEEM NECESSARY THE USE OF A SUPPORTING AGREEMENT, MONETIZATION DOCUMENT THAT MAY BE REQUIRED FOR

CLIENT SIGNING, OR A LIMITED POWER OF ATTORNEY (POA) TO ALLOW THE PLATFORM TO SIGN ON CLIENT’S BEHALF.

PLATFORM BEGINS RESPONSIBILITY TO THE TRANSACTION AND PROGRAMMING ACTIVITY ONLY ONCE SEPARATELY MONETIZED FUNDS ARE RECEIVED AND ACCEPTED BY THE PLATFORM, RESULTING FROM AND DISBURSED BY A SUCCESSFUL MONETIZATION OF A VALID, CONFIRMED INSTRUMENT BY SEPARATE, EXTERNAL MONETIZER. AS IN ALL TRANSACTIONS, A CLIENT IS FREE TO USE ITS OWN MONETIZER, AS THERE IS NO OBLIGATION TO USE ANY RECEIVING MONETIZER THAT MAY BE SUGGESTED OR IS AVAILABLE.

IT IS IMPORTANT TO RECOGNIZE THAT THE PLATFORM DOES NOT ITSELF RECEIVE ANY ASSET OR INSTRUMENT; NOR COULD IT EVER COMPEL, PREVENT OR CONTROL A SENDING OR FREE DELIVERY AND DECISION MADE BY ANY CLIENT OWNER / SENDER TO A SEPARATE, EXTERNAL RECEIVING ENTITY REFERRED, ADDRESSED OR OTHERWISE; NOR COULD IT CONTEMPLATE OR INHIBIT ANY DESIRED CONTRACTUAL OR DOCUMENTATION THAT MAY BE DEEMED NECESSARY OR SUPPLEMENTAL BY THE SENDER OF SAID ASSET OR INSTRUMENT TO AND WITH SUCH A RECEIVER.

ENGAGEMENT

CLIENT TEAMS AND PRINCIPALS MUST RECOGNIZE THAT PLATFORM-SPECIFIED INSTRUCTIONS, COMMUNICATIONS, MATERIAL AND PROCEDURES ARE NOT FLEXIBLE OR NEGOTIABLE, AND HAVE BEEN DEVELOPED FROM WORKING OVER TIME WITH A RANGE OF STRUCTURED PROGRAMMING, CLIENTELE, PROPRIETARY RELATIONSHIPS, COMMITMENT HOLDERS, RECEIVING BANKING RESOURCES, ETC. ONLY THE MOST SERIOUS AND COOPERATIVE APPLICANT SHOULD APPLY TO PARTICIPATE. ONCE A CLIENT HAS INDICATED A READINESS TO TRANSACT AND HAS EXECUTED CONTRACT IT NECESSARILY WILL BE EXPECTED THAT THE ENGAGED CLIENT STRICTLY ADHERE IN TIMELY MANNER TO ALL PROCEDURES AND INSTRUCTIONS WITHOUT DEVIATION, REQUEST NO SPECIAL ADJUSTMENTS, NO SPECIAL ADDITIONAL MATERIAL, CAUSE UNREASONABLE DELAYS, UNDUE ATTENTION OR DEMANDS, NO ALTERATION TO STANDARD PROGRAMMING OR ADVANCE PROVISIONS, AND REMAIN

COOPERATIVE. SHOULD A CLIENT TEAM ACT OTHERWISE THAN PROFESSIONALLY EXPECTED, BE ADVISED THAT COMPLIANCE AND PROGRAM MANAGEMENT HAVE A RESPONSIBILITY TO DECIDE WHETHER TO CANCEL OR TERMINATE THE SUBJECT TRANSACTION IN ORDER TO AVOID A PROBLEMATIC ISSUE THAT MAY CAUSE NEGATIVE IMPACT ON THE PLATFORM AND ITS PARTNERS, THE CLIENT, PROGRAMMING, ARRANGEMENTS AND COMMITMENTS, RECEIVING AND BANKING, AND TO OTHER ENGAGED CLIENTS BENEFITING FROM SHARED PLATFORM STRUCTURE AND RESOURCES.

CONCERNING PROGRAMMING NOT INCLUDED

IT IS NOT POSSIBLE TO INCLUDE EVERY PROGRAMMING OPTION OR CONSIDERATION THAT MAY BE AVAILABLE ON A CASE-BYCASE BASIS. ACCORDINGLY, AN APPLICANT MAY SUBMIT AN ENQUIRY FOR SPECIFIC NEEDS OR CASE SERVICING.

GENERAL INSIGHT BLOCKED FUNDS VS. INSTRUMENTS

BLOCKED FUNDS SWIFT (MT-760 AND MT-799) PROGRAMS FOR CASH FUNDS HAVE NOT BEEN INCLUDED IN THIS MEMO, AS THE INDUSTRY’S SELECT AND OPERATIVE PROGRAM RECEIVING, FUNDERS, MONETIZER AND COMMITMENT HOLDERS SIGNIFICANTLY PRIORITIZE TRANSACTIONS UTILIZING BANK INSTRUMENTS, TRANSFERS, ETC.

THE KNOWLEDGEABLE AND SERIOUS CLIENT HAVING OWNERSHIP AND CONTROL OVER THEIR OWN ACCOUNT HOLDING CASH FUNDS IS TYPICALLY DIRECTING THEIR RELATIONSHIP BANKER TO ISSUE A BANK INSTRUMENT (SBLC, BG OR MTN) THAT MAY BE UTILIZED IN A PROGRAM, AND TRANSACTING BY ONE OF THE VARIOUS NON-SWIFT OR SWIFT OPTIONS. SIMPLY, IF A CLIENT HAS UNRESTRICTED AND UNENCUMBERED CASH FUNDS AND CONTROL OVER THE ACCOUNT, THEN THE CLIENT VERY EASILY CAN DIRECT HIS RELATIONSHIP BANKER TO ISSUE A BANK INSTRUMENT AGAINST FUNDS ON ACCOUNT FOR A SPECIFIC ONE-YEAR PERIOD. FOR EXAMPLE, A CLIENT'S CASH ON ACCOUNT MAY BE USED AS COLLATERAL FOR A CASH-BACKED SBLC THAT HIS BANK WILL ISSUE AND DELIVER. MTNS/BONDS ARE ALSO OF INTEREST TO RECEIVING MONETIZERS. USING A BANK INSTRUMENT PROTECTS BOTH THE CLIENT AND THE BANK ACCOUNT AND IS PREFERRED BY THE TRADING PLATFORMS. THUS, SUCH A CLIENT IS GIVEN PREFERENTIAL PRIORITY, AND PROGRAMMING CONTRACT COULD BE ISSUED WITHOUT DELAY. FOR CLIENT THAT ABSOLUTELY FEEL THEY MUST USE ONLY THE CASH ACCOUNT, THEN A SUB-ACCOUNT SERVICING OPTION HAS BEEN PROVIDED.

ON OCCASION, SPECIAL CASE OPTIONS MAY BE AVAILABLE THAT ARE NOT SPECIFIED IN THIS INFORMATIONAL RELEASE, SUCH AS: CUSTOM MANAGED BUY/SELL ARRANGEMENTS; ACCEPTANCE OF CERTAIN SPECIFIC INSTRUMENTS OR PROTOCOL TYPES; SPECIAL

SPONSORED BLOCKED OR CASH FUNDS PROGRAMMING FOR VERY SELECT CLIENTS, ACCESSING PROPRIETARY PARTNERS, ETC.

» SUBMIT AN ENQUIRY FOR SPECIFIC NEEDS / CASE SERVICING.

EXTERNAL REFERRAL FOR: CASH ACCOUNTS

EXTERNAL REFERRAL FOR: BANK DRAFTS & CERTIFICATE OF DEPOSITS

OPTION TO PARTICIPATE IN MULTI-STEP PROGRAM

» EXTERNAL PLATFORM REFERRAL SERVICING FOR SELECT CLIENTS WITH CASH ACCOUNTS AT MAJOR BANKS AND BRANCHES.

» AVAILABLE PERIOD PROGRAMS MAY INCLUDE PROTOCOLS OF PROOF OF FUNDS-ONLY VIA SWIFT MT-799 OR TEAR SHEET(S), ADMINISTRATIVE HOLD / BLOCK OR SWIFT (MT-799, MT-760), DEPENDING ON CLIENT BANKING CIRCUMSTANCE. THE DECISION AS TO THE PROGRAM AND PROTOCOL IS BY INTAKE, COMPLIANCE AND PROGRAM MANAGEMENT AND AVAILABILITY. ONCE A CURRENT, COMPLETE SUBMISSION IS PROPERLY RECEIVED, THEN IT WILL BE EVALUATED FOR PARTICIPATION INTO AN AVAILABLE CASH-ACCOUNT PROGRAM AND/OR OPTIONS. ONLY ACTUAL ACCOUNT HOLDERS AND OWNERS SHOULD SUBMIT AND BE REFLECTED IN THE INTAKE DOCUMENTATION; NO THIRD-PARTY OR PROXY SUBMISSIONS ARE ACCEPTABLE FOR CASH FUND ACCOUNTS, EVER.

» THE CLIENT MUST BE REACHABLE AND COOPERATIVE TO (A) FIRST CONFIRM SUBMISSION TO THE INTAKE OFFICER, AND THEN (B) TO DISCUSS PROGRAMMING AND OPTIONS WITH THE COMPLIANCE AND PROGRAM PROCESSING OFFICER(S). DO NOT SUBMIT IF THE CLIENT IS NOT READILY ACCESSIBLE.

» EXTERNAL PLATFORM SERVICING FOR SELECT CLIENTS WITH ISSUED BANK DRAFTS AND CD’S FROM MAJOR BANKS AND BRANCHES. IN THIS CIRCUMSTANCE THE INSTRUMENT MAY BE ISSUED IN THE CLIENT’S BENEFICIAL NAME (NOT MONETIZER). SUBMIT: FRONT/BANK OF BANK DRAFT OR CD COPY, BANK ISSUANCE LETTER AND SUPPORTING MATERIAL, CONFIRMING BANKER BUSINESS CARD, CURRENT KYC / CIS / PASSPORT OF THE STATED INSTRUMENT BENEFICIARY.

AS A SPECIAL CONSIDERATION AND OPTION, ANY CLIENT APPROVED FOR AND PARTICIPATING IN A REFERRED EXTERNAL PROGRAM MAY USE ANY PORTION OF RECEIVED PROFITS TO START AND PARTICIPATE ALSO IN THE PLATFORM DIRECT MULTISTEP PROGRAM, THUS ESSENTIALLY BENEFITING FROM TWO CONCURRENT YET SEPARATE PROGRAM STREAMS.

» SUBMIT AN ENQUIRY FOR SPECIFIC NEEDS / CASE SERVICING.

NOTICE OF DISCLOSURE, CONFIDENTIALITY & PRIVACY

BY RECEIVING, ACCEPTING, AND REVIEWING THIS MATERIAL AND ANY ACCOMPANYING COMMUNICATION HEREAFTER YOU ARE HEREBY INDICATING THAT YOU HAVE READ AND FULLY UNDERSTAND THE LEGAL DISCLAIMERS (DISCLOSURE, CONFIDENTIALITY & PRIVACY) AND THAT YOU HAVE ACCEPTED ALL TERMS AND CONDITIONS. THIS DOCUMENT IS SENT TO AN INTENDED AUDIENCE KNOWN AND AS A COURTESY SOLELY AND IS PROVIDED FOR INFORMATIONAL AND EDUCATIONAL PURPOSES AND MATERIAL ONLY, WHEREBY PRINCIPALS ARE RESPONSIBLE FOR THEIR OWN DUE DILIGENCE AND DECISIONS. THIS INFORMATION IT IS NOT INTENDED FOR THE GENERAL PUBLIC AND ALL MATERIALS ARE FOR YOUR PRIVATE USE ONLY. THIS DOCUMENT AND INFORMATION PROVIDED HEREIN, OR ACCOMPANYING IS NOT TO BE CONSTRUED AS A SOLICITATION OR INDUCEMENT OF ANY KIND, OF ANY TYPE OF INVESTMENT, OR OTHERWISE. IF YOU ARE NOT THE INTENDED AUDIENCE, PLEASE DELETE THIS DOCUMENT AND NOTIFY. IF YOU HAVE RECEIVED THIS MATERIAL VIA A THIRD PARTY AND NOT DIRECTLY FROM THE PRINCIPAL, AND WISH TO PARTICIPATE OR TO UNDERSTAND MORE, PLEASE REFER TO YOUR CONTACT OR INDICATE YOUR REFERRAL PARTY WHEN YOU CONTACT US. WE DO NOT TAKE WALK-INS AND DO NOT RESPOND TO PARTIES UNKNOWN OR WHO ARE UNABLE TO INDICATE CONNECTION. BY READING BEYOND THIS POINT, YOU HEREBY ACKNOWLEDGE AND CONFIRM THAT THIS IS A COMMUNICATION OF PRIVILEGED AND CONFIDENTIAL INFORMATION. CONTENT IS SUBJECT TO ERRORS OR OMISSIONS OR UPDATES AT ANY TIME FOR ANY REASON. IT IS AGAINST ALL PROGRAM OR PRIVATE PLACEMENT REGULATIONS OR STANDARDS FOR ANY INTERMEDIARY, BROKER, OR INTRODUCER TO STIPULATE RATES OF RETURN; THEREFORE, ANY SUCH REFERENCE OR REPRESENTATIONS HEREIN ARE INFORMATIONAL OR EXEMPLARY AND FOR DISCUSSION PURPOSE ONLY. RATES OF RETURN AND ACTUAL MECHANICS FOR ANY STRUCTURED PROGRAM PERFORMANCE CAN ONLY BE RELIED UPON WHEN COMING DIRECT FROM THE PLATFORM PRINCIPAL. ALSO, IT MUST BE CLEARLY UNDERSTOOD THAT ALL PERFORMANCE IS ON A ‘BEST EFFORTS BASIS’ ONLY. INTERMEDIARIES ARE NOT ADVISORS OF ANY KIND. THIS INFORMATION IS OF A PRIVATE NATURE AND NOT INTENDED FOR ANY COMMERCIAL OR NON-COMMERCIAL PURPOSE. THIS MATERIAL WAS APPROVED AND DIRECTED FOR RELEASE BY HUMANITARIAN CHARITABLE FOUNDATION. HISTORICAL PERFORMANCE DOES NOT EQUATE TO PRESENT OR FUTURE PERFORMANCE. ONLY PLATFORM MANAGEMENT CAN BE DEEMED AS THE FINAL WORD IN TERMS OF ACCURACY OF INFORMATION RELATIVE TO ANY PROGRAM OR TERMS. THIS DOCUMENT AND ANY ACCOMPANYING MATERIAL OR COMMUNICATION DO NOT PROVIDE ANY WARRANTIES OR REPRESENTATIONS OF ANY KIND, NOR REPRESENT THAT ANY SPECIFIC RETURNS OR TERMS ARE OBTAINABLE FROM THE PROGRAMS DESCRIBED. ONLY A CONTRACTED PRINCIPAL CAN BE RESPONSIBLE FOR ANY ACTIONS TAKEN IN RELIANCE OF MATERIAL THEREON FOLLOWING THEIR OWN DUE DILIGENCE AND DECISION. CONTENT IS SUBJECT TO ERRORS AND OMISSIONS SENDER IS NOT A REGISTERED SECURITIES, INVESTMENT, INSURANCE, TAX, LEGAL AGENT, BROKER, DEALER OR ADVISOR, AND THIS DOCUMENT, CONTENT, AND/OR ANY/ALL ACCOMPANYING MATERIAL REFERRED TO, AND FORTHCOMING IN THIS OR IN ANY OTHER RELATED COMMUNICATION AND/OR ATTACHMENTS SHOULD BE CONSIDERED OF A PRIVATE NATURE ONLY AND NOT BE CONSTRUED IN ANY WAY AS ANY TYPE OF OFFERING OR SOLICITATION FOR INVESTMENT FUNDS OR OF A SECURITIES TRANSACTION AS DEFINED BY US -SECURITIES, EXCHANGE OR INVESTMENT ACT(S) AS AMENDED OR BY THE LAWS OF ANY OTHER NATION. THE PLATFORM DOES NOT RECEIVE OR WORK DIRECTLY WITH ANY SECURITY OF ANY TYPE, AND ANY PROGRAMMING THAT MAY BE PROPOSED OR COMMUNICATED IN ACCOMPANYING MATERIAL IS UNDERSTOOD TO UTILIZE ONLY THE RESULTING CASH PROCEEDS FROM A SEPARATE, INDEPENDENT MONETIZATION OR FUNDING, WHICH IS NOT THE RESPONSIBILITY OF THE PLATFORM, THIS AND ANY/ALL ATTACHED OR RELATED DOCUMENTS IS NEVER TO BE CONSIDERED A SOLICITATION OR INDUCEMENT FOR ANY PURPOSE IN ANY FORM OR CONTENT. UPON RECEIPT OF THESE DOCUMENTS THE RECIPIENT HEREBY ACKNOWLEDGES THIS DISCLAIMER. ALL PERFORMANCE IS ON A BEST-EFFORTS BASIS. THESE CONFIDENTIAL COMMUNICATIONS ARE PROTECTED UNDER GRAMM-LEACH-BAILEY ACT 15 USC, SUBCHAPTER 1, SECTIONS 6801-6809 AND OTHER LAWS ADDRESSING THE DISCLOSURE OF NON-PUBLIC INFORMATION. IF YOU HAVE RECEIVED THIS INFORMATIONAL COMMUNICATION IN ERROR, PLEASE NOTIFY THE ORIGINAL SENDER BY RETURN E-MAIL AND DELETE THIS ALONG WITH ANY ATTACHMENTS. UPON RECEIPT OF THESE DOCUMENTS THE RECIPIENT HEREBY ACKNOWLEDGES THIS DISCLAIMER. IF ACKNOWLEDGMENT IS NOT ACCEPTED, RECIPIENT SHOULD SO STATE AND RETURN ANY AND ALL MATERIAL TO SENDER. <END STATEMENT>

CONFIDENTIAL – NOT FOR DUPLICATION OR GENERAL CIRCULATION

REFER TO SEPARATE NOTICE OF DISCLOSURE, CONFIDENTIALITY & PRIVACY

자금조달 경로의 다양화 Financial Protocol 2025

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