1. WHO ARE WE? FINANCIAL NETWORK WITH FINANCIAL ENGINEERING THAT PERMITS: ISSUANCE OF GUARANTEES AND COLATERALS THROUGH INVESTOR GROUPS TO BE PRESENTED TO LENDING BANKS THAT SWAP THEM IN LONG TERM LOANS FOR PRIVATE PROFITABLE INVESTMENT PROJECTS. Copyright © 2004 GATEWAY 21 BANKERS. - SINGAPORE

2. TERMS: MINIMUM AMOUNT OF : $1,000,000 AND MORE. INTEREST RATE: 5% ANNUAL FIXED RATE. TERMS: 10, 20, 30 YEARS. GRACE PERIOD: 1 TO 4 YEARS. INTEREST PAYMENTS: EVERY 6 MONTHS. COST OF THE ISSUANCE OF THE LETTER OF: GUARANTEE FOR PRINCIPAL: 1% TO 2% GUARANTEE FOR INTEREST: 1.1% TO 2.1% COMMISION AT FUNDING: 4%

3. COSTS: LETTER OF GUARANTEE FOR PRINCIPAL: US $1 MILLION TO US $10 MILLIONS = 2% US $ 10 MILLIONS TO US $100 MILLIONS = 1% LETTER OF GUARANTEE FOR INTEREST: US $1 MILLION TO US $10 MILLIONS = 2.1% US $ 10 MILLIONS TO US $100 MILLIONS = 1.1% COMMISSION = 4%

4. INTERNATIONAL FINANCIAL CRISIS AND OUR FINANCIAL ENGINEERING. CRISIS  REAL ESTATE BUBBLE. BANKS DO NOT ACCEPT MORTGAGE GUARANTEES AND COLLATERALS. FINANCIAL ENGINEERING OF G21 BANKERS :  INVESTOR GROUPS THAT ISSUE GUARANTEES AND COLATERALS THAT ARE ACCEPTED BY THE INTERNATIONAL BANKING COMMUNITY FOR LONG TERM FINANCING OF PRIVATE AND PROFITABLE INVESTMENT PROJECTS.

5. PROCEDURE: LOAN GUARANTEE APPLICATION EVALUATED BY G21 BANKERS. IF IT IS POSITIVE, IT IS SENT TO AN INVESTOR GROUP EMPHASIZING THE POSITIVE ASPECTS OF THE ANALISIS IN A BANKING LANGUAGE. IF IT IS POSITIVE FROM THE INVESTOR GROUP IT IS THEN SENT TO A LENDING BANK FOR IT’S EVALUATION. IF THE LENDING BANK ALSO APPROVES THE PROJECT ; A LETTER OF INTENT AND DOCUMENTATION WITH THE TERMS CONDITIONS AND PROCEDURE IS ISSUED FOR THIER COMPLETIONS. ONCE COMPLETED, WE THEREFORE HAVE THE ISSUANCE OF THE LETTER OF GUARANTEES FOR PRINCIPAL BY THE INVESTOR GROUP. WE CAN THEREFORE PROCEED WITH: EXCHANGE OF GUARANTEES FROM THE INVESTOR GROUP AGAINSNT FUNDS FROM THE LENDING BANK. ISSUANCE OF CERTIFICATE OF LEGAL ORIGIN OF FUNDS. ISSUANCE OF PROMISSORY NOTES. TRANSFER OF FUNDS TO THE BANKING COORDINATES OF THE LEGAL REPRESENTATIVE OF THE INVESTMENT PROJECT. IMMEDIATE TRANSFER OF THE 4% COMMISSION OF GATEWAY 21 BANKERS.

6. INVESTOR GROUP IF IT APPROVES THE INVESTMENT PROJECT IT WILL COMMIT TO THE ISSUANCE OF GUARANTEES ACCEPTED BY THE INTERNATIONAL BANKING COMMUNITY. GUARANTEES AND COLATERALS ARE TRIPLE A LEVEL: CORPORATE BONDS EUROBONDS U.S. TREASURY BONDS. ALL GUARANTEED BY THE 20 MOST IMPORTANT INVESTMENT BANKS IN THE WORLD.

7. “NO GUARANTEES NO LOAN” GUARANTEES AND COLATERALS FROM THE INVESTOR GROUP TO GUARANTEE THE PRINCIPAL. PRINCIPAL: AMOUNT NEEDED FOR THE LOAN AND: THE SINKING FUND THAT WILL AUTOPAY THE PRINCIPAL AT THE END OF THE TERM OF THE LOAN. THE LEGAL REPRESENTATIVE OF THE INVESTMENT PROJECT MUST HAVE A HIGH LEGAL, COMMERCIAL AND FINANCIAL STANDING. THE MORTGAGE GUARANTEES AND COLLATERALS FROM THE CREDIT APPLICANT WILL BE EVALUATED IN A REFERENTIAL MANNER ONLY: TO DEMONSTRATE HIS SOLVENCY. PROJECT MUST BE PROFITABLE AND SOLID.

8. FINANCING PROCESS G21 BANKERS 1. APPLICANTS 2. G21 BANKERS LOAN GUARANTEE APPLICATION EVALUATING COMMITTEE 3. INVESTOR GROUP COLATERALS & GUARANTEES TERMS & PROCEDURE 5. LETTER OF INTENT DOCUMENTATION 4. LENDING BANK FUNDS PRINCIPAL

9. PLANNING OF CLOSING AND FUNDING. 8. COMMISSION (4% ) G21 BANKERS APPLICANTS 2. LETTER OF INTENT & DOCUMENTATION 7. – FULL FUNDING SINKING FUND PROMISSORY NOTES LETTERS OF GUARANTEES 1. “LOAN APPLICATION FORM” 3. COMPLETE DOCUMENTATION AND COST OF THE ISSUANCE OF THE LETTERS OF GUARANTEES FOR PRINCIPAL AND INTEREST 5. FUNDS INVESTOR GROUP CLOSING BANK LENDING BANK 4. ISSUANCE OF LETTER OF GUARANTEES FOR PRINCIPAL AND INTEREST -AMOUNT REQUESTED -SINKING FUND 6. SWAP OF GUARANTEES FOR FUNDS

10. COSTS OF THE LOAN ACCORDING TO THE REGION, ECONOMICAL SECTOR OF BUSINESS OF THE PROJECT, AMOUNT REQUESTED AND COMMERCIAL AND FINANCIAL REFERENCES OF THE LOAN APPLICANT IT IS NEEDED: 1. LETTER OF GUARANTEE FOR PRINCIPAL (1% TO 2%), 2. LETTER OF GUARANTEE FOR INTEREST (1.1% TO 2.1%), 3. GATEWAY 21 BANKERS COMMISION.: 4% OF THE NET AMOUNT RECEIVED, AT THE MOMENT OF FUNDING.

11. LOAN WITH TRADITIONAL FORMULA AMOUNT REQUESTED: US $ 1.000.000 INTEREST RATE: 5% yearly of US $ 1.000.000. = US $ 50.000 TERM OF LOAN: 10 years TOTAL INTEREST(10 YEARS): US $ 500.000 TOTAL PAYMENT: (interests US $ 500.000) + (capital US $ 1.000.000) = US $ 1.500.000

12. LOAN WITH FINANCIAL ENGINEERING G21 AMOUNT REQUESTED: US $ 1.000.000 SINKING FUND: U.S. $ 1.200.000 INTEREST RATE: 5% annual of U.S. $ 2.200.000. = US $ 110.000 TERM OF LOAN:       10 años INTEREST TOTAL(10 years): U.S. $ 1.100.000 TOTAL PAYMENT: (INTERESTS U.S. $ 1.100.000) + (CAPITAL U.S. $ 0.00* AUTOPAY BY SINKING FUND) = U.S. $ 1.100.000

13. ADDITIONAL FINANCIAL SERVICES AT FUNDING TRHOUGH OUR ENGINEERING: BANK ACCOUNT OPENING FOR THE LEGAL REPRESENTATIVE IN THE LENDING BANK OR IN AN OFFSHORE BANK THE CREDIT LOAN FUNDED CAN BE DECLARED AS: EXTERNAL CREDIT OR FOREIGN INVESTMENT PROVIDE EXTENSIVE ASIAN MARKET ANALISIS FOR INVESTMENT AND VISION.