C.J.WEBER - Strategy Consultant: FUNDING OF APPROVED-GUARANTEED INSTRUMENTS-AMOUNTS OF LOANS-PERIOD OF LOANS-REPAYMENT SCHEDULES-RATES OF INTEREST

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FUNDING OF APPROVED GUARANTEED INSTRUMENTS

These comprise of Bonds, Notes, Certificates or other approved instruments as issued and /or guaranteed by acceptable governments, banks, corporations and other organisations.

AMOUNTS OF LOANS

At present range from two million five hundred thousand US Dollars or the equivalent in other major currencies with the ceiling of any one loan amount being determined by the assessment and evaluation of the security and guarantees that are to be tendered as security by the borrower.

PERIOD OF LOANS

The periods range from three months to twenty years, subject to the currency, geographical location of borrower and security, and the form of underwriting and financial instrument involved.

FINANCING CREDITS LOANS

REPAYMENT SCHEDULES

Repayment may be either with or without amortisation payments of principal during the period of the loan or on maturity with interest payments being made either on a quarterly, semi-annually or annually basis and in certain cases, it can be that the total amount of the principal and interest becomes due and payable on the agreed maturity date of the issued and accepted instruments.

RATES OF INTEREST

This is subject to the currency, period, and the general rating assessed on the borrower collateral or guarantees that are being tendered as security. Such rates being calculated either on an agreed percentage amount over the interbank or prime rate or alternatively on a fixed rate throughout the period of the loan.

For long term loans, the rates of interest are generally geared to the prevailing Bond Market Rates, for the currency involved or some other pre-determined index, with a minimum amount in respect of any one transaction of two million five hundred thousand ($2,500,000) US Dollars, or the equivalent thereof in other major currencies.