ROMANIA

• Loans from €20m and above. Loans less than €20m will be offered after consultation with Financing Group.

• Basic requirement is 5-10% of loan to be available by Client Smaller equity will be taken under consideration after consultation with Financing Group but will have an effect in funding period.

• 10-20 years loan. Repayment of the capital at loan maturity date.

• 3-5% yearly interest rate to be paid once a year. The interest rate will be defined due to S&P country credit rating.

• Administration and Due Diligence fee as it will be defined in Financing Group  Term Sheet and subject to location, volume and structure of the loan. The fee is payable by signing of Term Sheet and it will be payable to Deloitte .

• No personal or corporate guarantee is required.

• By case, a funding structure maybe 50% equity injection by Financing Group and 50% debt by Financing Group

Procedure

• Submit Business Plan & Questionnaire.

• By approval client receives Term Sheet within 24 hours.

• Client signs the Term Sheet and wires Administration and Due Diligence fee to Deloitte after executing an escrow agreement with Deloitte .The funds will be held till Financing Group delivers Due Diligence report & Loan Approval. If  Financing Group  rejects the Loan application the funds will be disbursed back to the client All documentation per DO requirements must be provided by the Borrower as requested by Financing Group .

• By successfully execution of the due diligence,  Financing Group delivers Loan Approval Letter and Loan Agreement executed.

                          Lender and Borrower issue a Joint Venture corporation with corporate bank account. Preferably a Cyprus

                          corporation for tax reasons.

• Borrower as the only signatory of the bank account, wires the 5-10% requested amount in the JV corporation bank account.

• Borrower provides bank statement account not older than 3 days.

• Lender is executing additional bank compliance due diligence on his cost.

• By successful execution of the compliance, the JV Corporation opens a new bank account in one of the top 30 banks and wires the funds in the new corporate account whereas the funds are blocked for a time as requested and specified by the Lender. Borrower is always the signatory of the bank accounts.

Advantages

• 100% debt, free of hard assets collateral. Banks require 130-150% collateral in the form of hard assets and additional personal guarantees. No guarantee will be requested by Financing Group.

• Capital is paid in full on 10th year or longer period by consideration. No monthly or yearly capital payment.

• 3%-5% yearly interest rate depending on country rating by S&P. Payable yearly.

• 2-5% closing fee.

• No penalty fee for early repayment.

• Completely secured since the 5-10% cash stays blocked in JV corporate account in the reputable banking institution. The DO cost is safely held by Deloitte and not to be disbursed without final approvals.

Asset Types

Any project or financing need that can meet the 5% requirement Terms and conditions may change with no prior notice

For more details please contact

Adrian MIHAILOVICI