Proprietary & Confidential1 FINEX TRADE GROUP (FTG)

Proprietary & Confidential2 FTG – Background Profile Privately Held Direct professional staff from major banks and investment firms Founded in September, 2002 FTG is lender of record with PEFCO funding (AAA rated) 100% Ex-Im Bank documentation Ex-Im Bank Master Guarantee Agreement (MGA)#0280

Proprietary & Confidential3 FINEX TRADE GROUP (FTG) We bring Ex-Im Bank CLOSER to the Exporter's customers. WHY????

Proprietary & Confidential4 Because FTG is directly IN-COUNTRY

Proprietary & Confidential5 FTG business model is based on the Importer side of the equation… They are the buyers They make the final decisions Why?

Proprietary & Confidential6 FTG takes the customer by-the-hand… LOCALLY – Where it counts

Proprietary & Confidential7 FTG becomes the Exporter's Local Financing Arm

Proprietary & Confidential8 We transfer work from the Exporter to FTG – and save the Exporter money (costs)

Proprietary & Confidential9 FTG speaks the local languages. FTG Pre-Approves customers on financing amount – this shortens transaction cycles. FTG translates customers financial statements and other necessary documents. FTG communicates closely with Exporter and expedites the complete transaction.

Proprietary & Confidential10 Process Steps 1.Exporter or Dealer refers customer to FTG 2.Exporter provides or FTG request initial information from customer 3.FTG pre-approves customer financing amount. 4.FTG prepares and submits financing proposal to customer – customer accepts and returns to FTG with balance of info. required

Proprietary & Confidential11 5.FTG prepares Ex-Im financing request and information packet and submits to Ex-Im Bank 6.Ex-Im reviews and communicates approval to FTG – around 4 weeks on most transactions below $1 million – (if we submit BEFORE Purchase Order is placed – cycle is shorter) 7.FTG documents loan with customer (financial closing) 8.FTG has L/C opened in favor of Exporter who is assured full payment on shipment. 9.Exporter ships and collects FINISHED

Proprietary & Confidential12 FTG focuses on Ex-Im Bank Medium Term Credit Programs Same approval process and credit underwriting standards for Medium Term Guarantee and Medium Term Insurance Programs

Proprietary & Confidential13 FTG lends to qualifying customers from: (on a transaction flow basis) $150,000 and UP per transaction Where? GLOBALLY

Proprietary & Confidential14 Currently FTG has direct presence in: United States Brazil Colombia Costa Rica El Salvador Guatemala Honduras Mexico Russia Peru Czech Republic So. Africa

Proprietary & Confidential15 FTG – ONLY charges on a SUCCESS BASIS Even on “Small Deals” our “all-in” transaction pricing is very competitive.

Proprietary & Confidential16 Indicative Pricing Ranges ( Varies by Transaction Size/Country/and Credit Quality of Borrower ) Finance Structuring Fee – 1.0% to 2.0% flat Interest on Promissory Note – Libor + 1.0% to 4.0% (floating rate) – Fixed rates quoted case – by – case

Proprietary & Confidential17 Application Fee A small Application Fee is charged up-front and 100% credited to Structuring Fee when transaction closes. Examples:Minimum $450 fee On $500,000 transaction $500 fee On $750,000 transaction $750 fee On $1,000,000 transaction $1,000 fee Over $1,000,000 ×.001 fee

Proprietary & Confidential18 FTG devotes Time + Attention to Small Deals as well as Larger ones.

Proprietary & Confidential19 FTG is RELATIONSHIP driven … (deal flow and including Larger transactions) We make the Exporter look good with his customer

Proprietary & Confidential20 Let us prove what we say – SEND us DEALS!!!

Proprietary & Confidential21 FTG Contact Information Web Site: Int´l. Calls: (USA) Process Center: (Costa Rica) Fax: (Costa Rica) Contact Persons:Alfonso Muñóz – COO Paola Vásquez – Admin. Lou Aguilera – President/CEO