Summary of Terms and Conditions

Purpose: Project Development, Startups and Business Expansion

Principal Amount: $1Million to $500Million

Loan Utilization: Immediately after fund disbursement

Repayment Terms: Interest is payable monthly or annually (Balloon Payment at

maturity)

Interest Rate: 2.5% (All Inclusive)

Closing Date: Five (5) to Ten (10) Banking days

Acceptable Collateral: Surety Bond or Insurance Bond

Company Registration No: CHE-114.404.284 (duly registered in Switzerland)

Financing Bank: Barclays Bank London or UBS (United Bank of Switzerland AG)

Financier Group: Financial Freedom Sagl

Type of Facility: International Long Term Financing

Moratorium: 24 Months (Two Year)

Payback Period: Full capital repayment at maturity, interest fee to be paid

yearly

Facilitator’s Fee: 0.5% of Principal amount payable to facilitator/broker at

closing if there is any.

Maturity: Ten (10) Years (Excluding Moratorium / Grace Period)

Conditions Precedent: The condition that must be duly met by the borrower
before it may request a drawdown and the lender is
obliged to lend:

 Submission of project executive summary

 Extensive review of project documents by Lender

 Letter of Intent from Borrower

 The rest of the loan agreement will be binding on the

borrower on execution of contract agreement

Fees And Expenses: Borrower to pay the required expenses for procurement and
issuance of Surety Bond (Insurance Bond) security collateral
for the total face value of principal amount.

LOAN PROCEDURE:

1. The Borrower submits project information such as business plan / executive summary,
financial models, financial feasibility study and marketing feasibility study (if not all,
provide available project documents) along with CIS (Client's Information Sheet),
Company Registration Documents with Resolution of Board of the Board of Directors and
identification (preferably International Passport) to the Lender for review.

2. The Lender will conduct an extensive review on received project documents, after
successful verification, Lender approves or rejects the application, if approved, the
Borrower execute and sign the Project Finance Loan Agreement which thereby
automatically becomes a full commercial recourse contract.

3. The Lender will issue notarized advance payment refund guarantee letter and invoice to
the Borrower to make payment for minimum equity contribution fee to Lender's
nominated account. The minimum equity contribution purpose is to procure Surety
Bond/Insurance Bond from third party securities firm (Insurance Company) for collateral
usage to covers all unforeseen circumstance which may arise from the Borrower's end
or in case of defaults on loan repayment schedule. On receipt of minimum equity
contribution payment from Borrower, the Lender proceed with collateral procurement.

4. The Lender notifies the Borrower's receipt of Surety Bond/Insurance Bond certificate
from securities firm (Insurance Company) while the copy of the document is sent to the
Borrower via email for authentication and verification. The Borrower acknowledged
receipt and authentication of document, thereafter fund disbursement would commence.

5. The Lender forward all documents to the funding bank. The Borrower is expected to pay
2.5% interest of total loan face value per annum for an agreed period as stipulated in
the project loan agreement by both parties. The moratorium period will not exceed
 24months (Two Years) and renegotiation of the loan will not be accepted after the
execution of the contract agreement.

6. The Borrower receives wire transfer request form and fills in bank coordinate to receive
payment. With funds available for disbursement at Lender's bank on receipt of completed
wire transfer instruction form, funds would be available for transfer/disbursement at the
time of financial closing. The project would be funded and closed in full, after release of
payment into Borrower’s bank coordinates.

7. The Lender, sends payment receipt to the Borrower with full funding amount being
delivered via Wire Transfer to the Borrower’s bank account, Lender deducts associated
bank charges and 0.5% closing fee for the facilitator/broker settlement.

Legal Advice to Borrower, Broker and Facilitator:

This Summary of Terms and Conditions presentation is for discussion purposes and can be
construe as an offer for project funding, a commitment to lend but not agreement. This should
be construed as an attempt to establish all of the terms and conditions relating to any loan or
credit facility described above. It is intended only to be indicative of certain terms and
conditions around which credit approval may be sought, and if approved, how the loan
documents might be structured, and shall not preclude negotiations over these or any other
terms and conditions.

This terms and conditions are subject to change at the discretion of Lender without advance
notice. This letter and its content are confidential and may not be public disclosed or shared
with third parties without prior consent of Lender.