Ref: Direct Debt Loan Document 2023001

Terms and Conditions (T&C’s)

We at Direct Investment Funding Limited”(DIFL) are a debt facility lending company that is poised to move a Borrower from
one business level to the next through our long time funding program.

Below are our terms and conditions for your project(s) WHICH IS IN TWO CATEGORIES. PLEASE READ THE WHOLE PAGES.

DIRECT DEBT LOAN BETWEEN (USD / EURO One (1) to (10) Million.

To fund your project as a DIRECT DEBT LOAN, it will encompass a 10-year period at an annual interest rate of 3%, and an
additional 3-year grace period to commence the loan at zero interest, making the entire loan term 13 years. In our direct loan
we fund the projects 100% for both start up and ongoing projects, while the Borrower assumes 100% of the “one time”
insurance cost for the security of the loan, which is a 1% insurance premium on the face value of the loan. The Client will be
required to pay 100% of the insurance face value UPFRONT for this particular category immediately after approval, signing the
loan agreement, as an up-front cost for transactions between 1 to 10 Million Euro/Dollars.

The Borrower will also be required to pay 100% for the cost of the legalization fees of this transaction, which is an upfront
payment submitted after signing the loan agreement with DIFL, and this amounts to €16,560 Euros.

In total, the two fees which is the legalization fee of €16,560 Euros, PLUS 100% of the 1% loan face value insurance fees for this
particular category, are to be paid upfront after approval, signing and submission of the agreement by the Borrower.
Borrowers DO NOT send payments direct to the insurance company and legal services. It is the responsibility of DIFL to ensure
this is completed satisfactorily. We can discuss more.

DIRECT DEBT LOAN (USD / EURO Six (10.1) Million To 20 Billion Euros/USD.

Direct Investment Funding Limited

100 Pall Mall, London, SW1Y 5NQ, contact@directinvestmentfunding.com
United Kingdom www.directinvestmentfunding.com
To fund your project as a DIRECT DEBT LOAN, it will encompass a 10-year period at an annual interest rate of 3%, and an
additional 3-year grace period to commence the loan at zero interest, making the entire loan term 13 years. In our direct loan
we fund the project 100% for both start up and ongoing projects, while the Borrower assumes 100% of the “one time”
insurance cost for the security of the loan, which is a 1% insurance premium on the face value of the loan. The Client will only
be required to pay an initial fee of 10% of the 1% insurance fee, as an up-front cost. The balance of the insurance fee is paid
after the Borrower receives the loan into their account.

The Borrower will also be required to pay 100% for the cost of the legalization fees of this transaction, which is an upfront
payment submitted after loan approval, signing the loan agreement with DIFL, and this amounts to €16,560 Euros.

In total, the two fees which is the legalization fee of €16,560 Euros, PLUS 10% out of the 1% loan face value insurance fees, are
to be paid upfront after loan approval, signing and submission of the agreement by the Borrower, while the remaining balance
of the insurance fee is paid after the Borrower receives the loan into their account. Borrowers DO NOT send payments direct to
the insurance company and legal services. It is the responsibility of DIFL to ensure this is completed satisfactorily. We can
discuss more with serious clients.

PROJECT FUNDING SECURITY FOR LOAN FUNDING

There must be security for the funding of the project through our nominated insurance company that will stand as DIFL security
/ surety for the project funding. The insurance must be paid by our customer, as specified above, for our nominated insurance
company that is capable of handling and delivering for the project funding security. This is DIFL security / surety, not the
Borrowers insurance, and eliminates the requirement for the Borrower to provide collateral for the loan. The only requirement
is for the Borrower to handle the insurance cost through submission to DIFL nominated bank.

The insurance premium is 1% of the total project face value loan amount requested by the Borrower. This insurance is standing
as security for the loan amount over the full loan period and is a REFUNDABLE deposit back to the Borrowers account at the
end of the LOAN period.

The reason for the insurance is in case of any default by the Borrower as per the loan agreement. The insurance company will
then come in to settle the loan amount for DIFL on the project. This is NOT the Borrowers insurance coverage and has no effe ct
on their operations if there is a default. The insurance stands in as surety (collateral) for the loan amount provided by DIFL.
In international lending, the insurance bond is applied as the surety / security for the loan and DIFL cannot fund any amount to
Borrowers without this security.

“DIFL do not fund or take part in any Company Shares or Equity Sharing”

TRANSACTION PROCEDURE FOR DIRECT LOAN

Direct Investment Funding Limited

100 Pall Mall, London, SW1Y 5NQ, contact@directinvestmentfunding.com
United Kingdom www.directinvestmentfunding.com
 1. Borrower reviews these T&C’s, along with your lawyer (if applicable), and confirm acceptance by signing with corporate
stamp (if applicable) that you agree. We will not move forward until this document is approved and agreed to.

2. Submit Required Documents:

 Approved T&C’s (Signed & Stamped<if applicable>)
 Completed CIS (template to be provided by DIFL)
 Principle’s Passport ID
 Utility Bill (Proof of Address)
 Business Plan and/or Detailed Executive Summary
 Business / Company Registration and License(if applicable)
 Proof of Funds (POF) showing you have the upfront fees (screenshot acceptable)
(Note: the POF may be provided “after” discussing with DIFL the amount of loan required and other details)

3. Once DIFL receives the Borrowers documents and their approval to proceed, DIFL performs due diligence on the
Borrower and Project Business Plan and/or Executive Summary prior to approving the project for funding. Note: the
Insurance Company reviews the documents submitted by the Borrower, thereby providing authorization for DIFL to
provide funding for the Borrowers project. Insurance company is insuring DIFL and does not require any security by the
Borrower.

4. DIFL will proceed to prepare the Loan Agreement along with the Closing Procedure and forward to the insurance
company for confirmation and final approval before forwarding documents to the Borrower. This is a secure method of
approval by the Insurance Company for DIFL to proceed.

5. Borrowers are expected to read the agreement carefully, review all clauses and then confirm to DIFL they are satisfied
with the agreement.

6. Once the Borrower confirms their satisfaction with the agreement, DIFL will send the signed loan agreement to the
Borrower and the Borrower will counter-sign and apply their Corporate Stamp (if applicable). If the Borrower wishes to
speed the process, they will send the signed loan agreement and payment pending DIFL signature.

7. With both parties’ signatures, the Borrower returns the completed Loan Agreement along with a copy of the wire
transfer for the upfront fees. Note: The loan agreement and copy of wire transfer MUST be returned within 48
business hours of Borrower receiving the signed agreement from DIFL or the loan request will be deemed invalid.

8. Upon confirmation the fees are received in the receiving bank, the Insurance and legalization fees are paid as required.
The insurance company then gives approval for DIFL to issue the loan.

9. A copy of the Loan wire transfer notification will be wired to the Borrower within 10 business of fees being paid to
insurance company.

*** Loan repayments and other details will be discussed with Borrower after acceptance of T&C’s.
*** Do Not Ask For T&C Changes though we can discuss more about it.

Direct Investment Funding Limited

100 Pall Mall, London, SW1Y 5NQ, contact@directinvestmentfunding.com
United Kingdom www.directinvestmentfunding.com
With Borrowers acceptance of these T&C’s, and your lawyer (if applicable), and they work for your project(s), DIFL
appreciates your signature and corporate stamp (if applicable) on this document and return to our company.


Thanks for your Co-operation Sign Borrower

_________________________
(signature and stamp ab ove)
Ellen Margi Lopez Name:
Customer Service Representative Title:
Direct Investment Funding LTD Company:

Direct Investment Funding Limited

100 Pall Mall, London, SW1Y 5NQ, contact@directinvestmentfunding.com
United Kingdom www.directinvestmentfunding.com