Apex Trading Group

(The Name of Financial Solutions)

_______________________________________

TRADE AND PROJECT FUNDING BROCHURE

______________________________________________________

(In association with APEX GROUP OF COMPANIES Company – Financial consultant

& Financial help desk advisor)
Est.1999

Apex Trading Group -1999 i

 Table of Contents

(i) Section Page

1. Introductions……………………………………….....................……………….3

2. Project Sponsors/Project Owners’ Financial Commitment ..................4

3. Funding Programmes for Medium and Large-Sized

Enterprises…………………………….……………………….......................4 – 8

4. Leasing/Renting Of Collaterals For Credit Enhancement

Purposes…………………….…….……………………...........................…9 – 11

5. Funding Programmes for Small and Medium-Sized

Enterprises……………………………………………………................…..11– 13

6. General Procedure……………………………………………………………13 – 16

7. Fees Structure For Project Funding Programmes……………………………17

8. Approval Cycles………………………………………………….…………………18

9. Ancillary Services……………………………..………………………………18 – 23

10. Private Consultation

Process………………………………………………………………..........…23 – 24

11. Becoming A Partner……………………………………..……….................24 – 25

12. Privacy & Integrity Statement …………………………………............…..26

Apex Trading Group -1999 ii

Dear Sir or Madam:

Thank you for your interest in our Company. We hope you will find our Funding
Programmes and Services, of immense benefit to your Organisation.

For your information, APEX TRADING GROUP; is an Indian Company registered in

Mumbai and apostilled/legalized in 1999 by the Indian government law Company–
FINANCIAL CONSULTANT AND ADVISOR

APEX TRADING GROUP, is a fully-fledged "best of breed" Company of Financial

Consultants and Financiers, focussing on the confidential financial needs of
Entrepreneurs and Fund Managers – worldwide! We arrange Trade and Project
Finance and/or Collaterals for Trade and Project Finance; such as Bank
Guarantees, Bills of Exchange, Letters of Credit; Surety Insurance and other Financial
Guarantees. Our aim is to provide the highest quality, most innovative, fully
featured and excellent funding services, at very competitive prices.

The Group provides the best possible financial solutions; powered by Investment
Partners, World's Top Insurance Companies and Banks; hence, it's not surprising that,
APEX TRADING GROUP Holdings has grown into a leading Partner/Lender of Choice;
for so many Individuals and their Commercial Projects. The unique, non-status but
transaction-based facilities on offer; underpin our intentions to establish ourselves, as
the best, though not necessarily the biggest, in our area of expertise. These past
years, we have successfully opened doors to Project and Trade Finance; for so many
clients, one of whom is quoted below:

Without any hidden charges, we facilitate and manage the process of Funding
and/or Collaterization for Projects. How would you like to speak with our
Industry Veterans, such as Senior Company Executives, Accountants and
Finance Experts; to hear about our Time Commitments; first-hand and get
answers to your questions about Project Structuring and/or Restructuring, Tax
Management and Asset Protection, Ownership and Project Funding?

To ensure our clients' needs are being met, our company never accept; more
business, than it can handle, in a professional manner. Offers are Strictly
Managed and Limited to Few Qualified Applicants per Year. Contact us soonest
possible!

 Due to flexibility, all types of Projects will be considered on a Non-Status basis –

(regardless of Credit History)- with no upfront fees, subject to Terms and
Conditions.

Apex Trading Group -1999 iii

For Companies; the Trades and/or Projects that we finance, are usually funded
up to 95% and up to 100% for certain Governments.
We are usually not interested in Joint Ventures, such as B.O.T., B.O.O., B.O.T.T.,
etc…except under special circumstances.

Therefore, the Financial Commitment of the Project Sponsors/Project Owners is

vital!
And although, owners’ Cash Inputs vary from Project to Project, please note: -

For example: in meeting the INVESTMENT PARAMETERS for QUALITY

PROJECTS, especially in the Heavy Industries, requiring shall we say,
£/€/$10,000,000(GBP/EUR/USD) then, people will typically need to have: -

o A Minimum Net Worth (Cash, Securities, Home-Equity…etc) of

£/€/$1,500,000
o OR be ready with an Owner(s)’ Minimum Cash Investment of 5% of the
Project Value;

 Please note… In Funding Terminology “No Upfront Fees” relates only to the
preliminary review and preliminary due diligence to consider a project for
potential funding.

 Therefore, please stop here, if you are seeking to finance your project with no
investment of your own, including Retainership Fees - the costs of attending

to you.

 On the other hand, if you have a quality project in which you have a
reasonable equity, please read on; we may be of service to you.

FUNDING PROGRAMMES FOR MEDIUM AND LARGE-SIZED

ENTERPRISES
i. Programme A: Funding via Private Placements, SECURED by certain
Government or Bank Guarantees, Land/Buildings/Hotels, Paintings,
Gold/Diamonds/Mines, etc…etc. Features include:
 Minimum Funding Requirements
From USD$10million – No Maximum;

Apex Trading Group -1999 iv

  If the Collateral is not a well-rated BG or not even a BG; then the
Security Offered would have to be enhanced or backed by our 3rd Party
Financial/Bank Guarantees;

 Project Sponsors/Owners’ Minimum Investment:

1. None: if Collateral is a well-rated BG;
2. Or: Minimum 0.5% (½ a percent for costs e.g. Appraisal,
Insurance etc)
[Some costs could be paid out of the loan proceeds, leaving no
financial burden – Subject to Terms and type of Collateral Owned];
3. If Project is a Fresh Acquisition or Start-Up;
Sponsors/Owners’ Minimum Cash Investment could be
3.5% (see Programme D) or 5.5% if “x amount” e.g. 25%
Deposit, is required to be shown; to Lender (see below -
Proof of Fund Leasing);
 Loan Agreement: This comes from our bank and confirms the
credit line that is available against delivery of valid security –
in your name.
 Collateral is returned at Loan Redemption / Maturity Date up to
10Years

FUNDING PROGRAMMES FOR MEDIUM AND LARGE-SIZED

ENTERPRISES

ii. Programme B: Debt Finance with New Issue Bonds/Bank Guarantee &
Insurance Wraps via Private Placements & Special Purpose Vehicles
(Seeding Organisations), for up to 100% Funding!
Features include:
 Minimum Funding Requirements

a. Small Projects: n/a

b. Big Projects: USD$100million – No Maximum;

 Sponsors/Owners’ Minimum Cash Investment: 5% (including Set-Up

Costs for the SPV, Temporary Management Board Nominees,
Insurance Underwriting, Issuing & Banking Costs, Screening of Debt on
EUROCLEAR, DTC, BLOOMSBERG OR CLEARSTREAM …etc…etc
thus enabling our Introduced Private Investors to promptly adopt the
Papers and release Funds on a bank-to-bank basis);
 Maturity up to 10Years.

The amount of time necessary to complete a SPV transaction is typically 3-4

months from the time a Letter of Intent is signed. Approximate timeline is as
follows:

Apex Trading Group -1999 v

 Negotiate and sign Letter of Intent- 7 days
Negotiate and prepare merger agreement - 21 days
Due diligence and corporate organization- 14 days
Proxy statement/ registration statement- 28 days
Notice to Investors / Investors Vote- 28 days
Prepare closing documents and close- 3 days

FUNDING PROGRAMMES FOR MEDIUM AND LARGE-SIZED

ENTERPRISES

iii. Programme C: Provision of Bank Guarantees & Funding

For Clients with Own Cash Lenders or Revolving Credit Lines, from well rated
Banks AND need Bank Guarantees, in order to have use of the Funds.
(Compatible with our Proof of Fund Leasing Services - see below)
Features include:

 Commercial or Private Projects Acceptable

 Minimum Credit Line (for Bank Guarantee) Requirements:
o Small Projects: from USD$10million;
o Big Projects: from USD$50million – No Maximum;
 Lenders/Owners of Credit Lines must be prepared to exchange the
Credit Line or Reserved Cash against Well-Rated Bank
Guarantees; with Face Values equal to 100% of the Credit PLUS
INTEREST WHERE RELEVANT;
 The Bank Guarantees (BGs) will be issued from Top Western
European Banks and will have a maturity date of between 1 and
5years with Face Values that include interest payable to the Lenders (if
any);
 Your lender then makes the loan and pays the funds to the
Guaranteeing Bank in Exchange for their Undertakings & Guarantees.
 Sponsors/Owners’ Minimum Cash Investment:
Retainership Fee: -
Big & Small Projects (from $10m): GBP£12,500 (USD$22,500
APPROX.)
BG Issuance Success Fee: -
Big & Small Projects 1 – 2% of Face Amount of BG/SBLC

OPTION 1: FOR Commercial (Big & Small) Projects

Projects Funding via The Guaranteeing Bank: here the loan
proceeds will be disbursed to you in monthly Drawdowns for
Project Start, as follows:

a. The Guaranteeing Bank guarantees your repayment

of Principal and the Interest (if any);

Apex Trading Group -1999 vi

 b. At the end of between 1 and 5years Tenor,
Guaranteeing Bank will repay the Principal and
the Interest of the loan to your lender and your
loan will be rolled over into a new loan with
them. This new loan will be for a period of five years
(or longer, if the success of the project requires it)
with an interest rate to be negotiated. Currently 8% a
year.

OPTION 2: FOR Private Big Projects ONLY

The BG-Seeking Client obtains Approved Credit Line for Minimum
of $100m Contract and completes an LOI with us for BG purchase;
to have the BG issued:

1. Client then offers the Credit Line as Proof of Funds for BG

purchase!!
 Bankers do this on behalf of clients.
2. The client then receives the BGs and assigns it to the
Bankers.
3. The Bankers fund/pay the difference (e.g. 20%)between the
Credit Line (Face Amount of BG/SBLC =100% guarantee for
Credit Line) and the Cost of the BG (let’s Say 80%) to the
Client, to enjoy!!
4. The Clients then begin the Private Projects with the
remaining funds after paying fees;
5. Clients can obtain another Credit Line and start the process
all over again!!

FUNDING PROGRAMMES FOR MEDIUM AND LARGE-SIZED

ENTERPRISES

OPTION 3: FOR Commercial (Big & Small) Projects ONLY

Funding (where appropriate) via Joint Venture: We enter into a Joint Venture
Contract with the Project Sponsors after having received A Business Plan; showing at
which time which amounts are needed; in order to realize The Planned Project(s) over
1 to 5years; Features include:

1. Delivery of Funds into Clients’ Projects via our High-Yield Trading or

Commodities Programmes linked to an equally weighted basket of commodities
(each a "Component" and together a "Basket"): Crude Oil, Natural gas, Aluminium,
Cocoa, Gold & Diamond (see below); over a period of 1 to 5years (using all or

Apex Trading Group -1999 vii

 only a part of the Client’s Net Credit Line as The Sponsor(s)’ Cash
Investment);
2. The Equity Ownership of the Project being funded is then split 25% to APEX
TRADING GROUP and 75% to Project Sponsors and handled as agreed in a
Joint Venture Contract (JVC) AND Memorandum and Articles of Association;
3. Annual interest rate @ LIBOR + 8% (E.g. 13%PA ~ depending on Project Size)
is payable by Project Sponsors; on the Amounts injected into the Project by
Bellavista Holdings;
4. At the end of Construction (where applicable ~ up to 5yrs), the client mortgages
adequate Company Assets to APEX TRADING GROUP and repays loan within the
Agreed Tenor (e.g. 5years) there from;
5. At the end of the agreed Loan Tenor AND full repayment 100% of the Total
Amount injected by APEX TRADING GROUP, the client assumes complete
control.
6. Afterwards, the Option of allowing Continued Participation (for Dividend to
APEX TRADING GROUP) or Compulsory Buy-Out of its 25% Equity Reward
can be exercised by the Project Sponsors.
iv. Programme D: 10-Year Interest Only Non-Repayable Commercial Loan
(Minimum Borrowing US$5 Million up to US$60 Million)

SECURED by Sinking Funds/Investments, which are designed to repay Loan Amount

at maturity. Features include:
1. Amount of Loan will be for twice the amount required for the Project
(subject to acceptance of the Business Plan by Lender’s Project
Evaluation Committee);
2. 50% of the Loan Funds are placed in a Sinking Fund to cover the Principal
Borrowing and
3. 50% of the Loan Funds are released to the Borrower for the Project;
4. Loan Repayment is merely for the Fixed Interest on the Total Borrowing
for 10years Period.
Example: Borrower requires USD$10 million, for 10 years. Borrowing is for USD$20
million. Interest is for 9% on USD$20 million (USD$1.8 million per annum). The total
payment to cover all costs by the borrower is USD$18 million (this is equivalent to an
8% fixed interest loan for 10 years).

Tip: A Small Portion of the Net Draw-down IF invested in another Sinking Fund…
pays-off the Annual Interest as well – thus making this Option a Totally Self-
Liquidating Loan!!

5. Mandatory Bank Account at Offshore Bank (with anonymous VISA Debit

Card);
6. Initial Set-up Costs (Refundable upon Contract Completion):

a. Retainership Fee: GBP£12,500 (USD$22,500 APPROX) Payable to

APEX TRADING GROUP;
b. Lender Application Fee: USD$25,000 (Blocked into the Client(s)’s
New Account);
((Initial Set-up Costs are payable only after the approval of the Project
Evaluation Committee))
Apex Trading Group -1999 viii
 7. Lender’s Establishment Fee: 3.5% of loan amount (to be Blocked into the
New Account);
8. APEX TRADING GROUP Success Fee: 2% of the Loan Amount, payable at
the Time of Loan Draw Down.

Note: (The Establishment and APEX TRADING GROUP Success Fees are
simultaneously debited against the Client’s Account(s) at the Time of the Loan Draw-
Down; in accordance with the Client’s Lodged Pay Orders)

FUNDING PROGRAMMES FOR MEDIUM AND LARGE-SIZED

ENTERPRISES

v. Programme E: Where we are retained as Financiers

and/or as Project Managers for the Construction of Heavy Industries
mentioned below.

We are in position to supply many types of Turnkey Plants worldwide and also to supply
up to 100% financing for almost any type of Turnkey Power Plants and Petrol Refinery
which we supply, of course it depends on a Government Guarantee or better still, a
Bank Guarantee from Well-Rated Banks. BGs from any Reputable Local Banks are
acceptable.

Turnkey Projects Include:

 Power Plants – for Energy via water, atom, coal, oil, gas, waste to energy, etc.;
 Bridges/Toll Roads, Railways, Airways, Seaports, etc…etc.;
 Industrial Plants – for Fertilizer, Cement, Iron & Steel Mills, Water & Waste
Water Treatment, Waste Incineration Plants and Industrial Automations
(Robotic Systems);
 Refineries for Chemical, Petrochemical & Crude Oil Refining;

Commercial Marine Vessels – Tankers for Crude Oil, Chemicals, (New

Constructions and Pre-Owned (Used) Vessels!!!) Or Refinancing and Leasing to
100%!)

Apex Trading Group -1999 ix

Commercial Agriculture/Farming, Hotels/Resorts, Golf Courses, Real Estate
Projects e.g. High-Rise Residences…etc…etc…Or Expansion Plans; for any of
the above Projects.

Features include:

Comprehensive and Customized Funding;

1. Available for Most Projects Worldwide ~ Business Mergers, Acquisitions or

Start-Ups;
2. Commercial & Corporate Financing or Refinancing and Leasing Up
to 100%!!!

 Minimum USD$50million worth of each project (No

Maximum);
 Sponsors/Owners’ Minimum Cash/BG Investment: 25% to 50%;
(The projects which we build, are financed 50% up to 75% for
companies and up to 100% for governments);
 Project Management Hand-Over upon Completion of
Construction;
 Loan Maturity 3Years up to 10Years;
 Grace Time & Longer Loan Tenor negotiable;
 Interest rate is LIBOR + about 2% - 3% per year.

Here is a general idea; FUNDERS do not like to be the only party investing in
Projects.
Therefore: -

1. It is fundamental that the Sponsor(s) and/or Owner(s) are capable of

introducing at least a quarter (25%) of the Project Costs with own Cash Funds
(or BG);
And
2. The projects must have very realistic possibility for success ~ with guarantee of
loan repayments otherwise – most of our Lenders are not ready to take the risk
of financing a project without the certainty of recovering their funds in case
of project failure. In order to reconcile the Bank Guarantee dichotomy,
Bellavista Holdings/Dr Oke and Associates would arrange for Acceptable
Guarantees to be issued by well-rated reputable Bank(s) or Insurers.

LEASING/RENTING OF COLLATERALS
FOR CREDIT ENHANCEMENT PURPOSES
In addition to the above Funding Programmes, we provide services covering the Issuance
and Leasing of Financial Instruments such as Bank Guarantees (BG) and Standby
Apex Trading Group -1999 x
Letters of Credit (SBLC), Proof of Funds/Reserved Funds & Credit Lines, to be used
as Collaterals by Borrowers for Credit Enhancement Purposes; in situations where
Clients have come to an Understanding with a Lender.

Please Note:
 The use of "Leased Guarantee" is limited to those cases where there is an
agreement between the Lessee’s Bank and the Lessee to use the instrument
for enhancement only and not to attempt to cash the instrument or to give
any credit line using the "Leased Guarantee" as the only Security for the
loan.

 The Lessee/Client must have good projects that produce alternative (actual)
security if lent money by his/her Bankers and his/her Lending Bank merely
needs to see an "Upgraded Balance Sheet" from the Lessee – hence the
Client’s accountants; for Asset / Credit Enhancement Purposes, can
incorporate the “Leased Instrument” into the Budgeted Balance Sheet; before
the Client’s presentation at the Lending Bank!

 Thereafter, Clients revert to us for “Leased Instruments” once “the figures” have
been accepted and a Credit Line Agreed ~ against delivery of “the BG/SBLC”
to be issued either with bank as the beneficiary (or to be assigned to bank by the
Client IF Client is to be the named beneficiary);

 Credit Enhancement Instruments only help create a line of credit at your own
bank AND usually cannot be sold or discounted. You should consult your
own Professional Financial Advisor or your APEX TRADING GROUP Advisor
for further relevant advice, IF REQUIRED!

 We would reiterate that, this opportunity is recommended only for clients

having Excellent Financial Standing and Enjoying Mutual Trust with their
Banks!

 Transaction Values:
 Minimum USD$10,000,000.00 (Ten Million)
 (Smaller Amounts subject to availability)

 Maximum USD$100,000,000.00 (Hundred Million)

(Or its equivalent in Euro€ or GBP£)

1. Programme A: Bank Guarantee and SBLC Leasing

HERE YOU HAVE A LENDER AND REQUIRE TO LEASE a BG or SBLC
(See Notes Above)

Apex Trading Group -1999 xi

 Face Amount of Prices if arrangement fee is put on escrow
BG/SBLC
US$ 10,000,000 + 13% + 1% Intermediaries’ Fees = 14%
US$ 25,000,000 + 12% + 1% Intermediaries’ Fees = 13%
US$ 50,000,000 + 11% + 1% Intermediaries’ Fees = 12%
US$ 100,000,000 + 10% + 1% Intermediaries’ Fees = 11%

 Advantageous to Clients that have 14% cost built-in

into Project Costing and/or projects that can be
implemented with 86% balance of such Credit
Lines…after paying 15% - approx. for the Emission of
Enhancement BG/SBLC.

LEASING/RENTING OF COLLATERALS
FOR CREDIT ENHANCEMENT PURPOSES
(Continued)

2. Programme B: Proof of Fund Leasing

Features include:

1. Cash Funds can be proven available for Clients’ Projects and

confirmed Via a Bank Letter /Certificate of Cash or in the form of BG or
SBLC; (The bank also confirms the funds, as clean and clear, of non
criminal origin and free of any liens and encumbrances) and/or Via
SWIFT or KTT;

2. Cash Funds can be Reserved or Blocked for the benefit of the

borrower in our bank, for an agreed period of time.

3. Sub accounts (IN YOUR NAME) and print out of bank statements can
be arranged.

4. Funds confirmations can also be arranged on DTC or Euroclear.

Purpose of such Confirmations:

a. To confirm the Capacity to Pay in a transaction and a Collateral needs

to be advised;
b. To provide Proof of Financial Capability to conduct certain other
transactions.

MOVING FUNDS into YOUR ACCOUNT AT ANOTHER BANK *

Apex Trading Group -1999 xii
 1. Acceptable against the delivery of financial instruments issued by AA
rated European or American Banks. Former “Eastern Block” countries, South
American, Indian, Asian or African issuers are usually not acceptable.
2. Or: if the receiving banks enter into Funds Management Agreements with
us, guaranteeing the safe return of the Principal and Payment of the Monthly
Arrangement Fees…The borrower can use the funds for any legal
transaction as long as his in-house bank consents.

*USD$1.5billion of assignable funds IS available to be used under this Capital

Support Concept.

Leasing Cost (per month): 5.5% including 1%Success Fee. You can have this
service for any period of time. The monthly fee is negotiable if required – for more than
1month.

 The Leasing Cost would have to be put on Escrow with an independent major law
firm in New York or London (in good standing, fully licensed and insured for
Escrow work)
 Generally, the entire Leasing Cost has to be placed on Escrow.
o If wishing to pay by Letter of Credit or Conditional SWIFT MT103; 10%
of the arrangement fee must be placed on Escrow (NO EXCEPTION)
and the 90% balance plus 3% Extra Charges; totalling 93%, is payable
by a Letter of Credit or Conditional SWIFT MT103;
 The arrangement fee is released only after independent third parties viz; the
Escrow Lawyers, have verified the services provided.

LEASING/RENTING OF COLLATERALS
FOR CREDIT ENHANCEMENT PURPOSES
(Continued)

3. Programme C: Leasing of NASDAQ Stocks

(Stock Exchange-Listed and Traded Stocks) for Credit
Enhancement
 Leasing Options include:
1. Placement in your name into a Sub Account of our SEC-Regulated Securities Firm;
2. Assignment of Stocks to you (in your name) can be verified on-screen through
DTC;
3. Your bank provides credit line against the stocks;

Apex Trading Group -1999 xiii

The transaction is based on a Standard REPO Agreement with the client, selling the stocks to a
client now, and reselling it for an agreed future date, all at the same time. Such a transaction is
‘over collateralised’ by 130% to make up for possible stock price fluctuation.
(i)A.1. NASDAQ stocks can be made
available for up to 3 years………further
details upon request

FUNDING PROGRAMMES FOR SMALL AND MEDIUM-SIZED

ENTERPRISES
To finance International Trades AND Projects (e.g. Iron & Steel, Consumer Goods,
Machineries, Components etc…and/or Services worldwide), we provide access to the
London Money Market and other exciting funding opportunities via:

1. Discounting and/or Loan Advance against LC, BG, Promissory Notes etc.
2. Issuance of Deferred Payment (Usance) LCs, Bills of Exchange and SBLCs
3. Issuance of Letters of Credit to your Suppliers, against the incoming Letters
of Credit from your Buyers, on a Back-to-Back basis!! …Etc;

Features include:
Enabling Good Companies Worldwide to have a London Money Market window within the
following Scenarios: -

i. Converting a Sight Payment Liability into Deferred Payment Option:

For example: a company can contract to buy (import) goods and services on “at
sight” payment basis, knowing that, it can convert the sight payment liability, into a
deferred payment option.

ii. Converting a Deferred Payment Option into Sight Payment Liability:

For example: in order to be more competitive or get a better price, a company can
contract to sell (export) goods and services on “Deferred Payment” basis, knowing
that, the “deferred payment instrument” can be discounted (converted) into “at sight
payment instrument” for immediate cash; as soon as the goods are shipped.

FUNDING PROGRAMMES FOR SMALL AND MEDIUM-SIZED

ENTERPRISES
Acceptable Transaction Values:
Apex Trading Group -1999 xiv
  Minimum Amounts: GBP£250, 000.00 (Two Hundred & Fifty Thousand Pounds
Sterling)
 Maximum Amounts: GBP£10, 000, 000.00 (Ten Million Pounds Sterling)
(Or equivalent in Euro€ or USD$)
(Amounts over GBP£10, 000, 000.00 could be split into two or more Transactions)

The Costs:

i. Retainership Fee
Either:
a. One-Off Registration Fee of GBP£12,500 (for Unlimited Trade (Transaction)
Processing)
Or
b. Between GBP£795 and up to GBP£10,000 per transaction; assessed on a case-
by-case basis (depending on Transaction Size, time and other matters involved)
…

ii. London Money Market Interest Charge

Interest Charge is variable and has two parts:
a. London Inter Bank Offer Rate (LIBOR) for the particular currency and time of
transaction. For example, for US Dollar let’s say two and a quarter percent per
annum (2.25% p.a.)
And
b. Country Specific Risk Premium Charge on credits to a particular country
from time to time depending on Market Views. For example, for Indonesia let’s
say seven and a half percent per annum (7.5% p.a.)
 Total London Money Market Interest Charge = 9.75%

iii. Service Charge

Our Success Fee Payable; is a Fixed Fee of between two-and-five percent (2-to-5%) of
invoice amount or loan facility depending on Transaction Size;
A definite quote for the total cost chargeable would be given at any time that
documents are presented for processing. Clients can then decide to go ahead with a
particular transaction or not.

Please Note:
1. If the contract calls for us to establish an L/C, you will be levied the L/C charges of our
bank.
2. Only the Registration Fee accompanies the completed application form.
3. Our Service Charge is deducted at the time of the disbursement of the facility.
Apex Trading Group -1999 xv
  Nothing else to pay until the due date for repayment.
4. The repayment instrument i.e. Bill of Exchange or Promissory Notes will embody all
charges.

 A Letter from the Applicant’s Bankers indicating an Agreement in Principle to

AVAL (Guarantee) the Repayment Instrument e.g. Promissory Note/Bill of
Exchange etc. will be required;
 Payment to the Seller strictly in accordance with Terms of Sale in the
Contract submitted
 On the due date, the Avaled Instrument will be presented for
settlement/payment.

5. Time Frame for Completion of each Transaction; is indicated, on a case-by-case

basis.

FUNDING PROGRAMMES FOR SMALL AND MEDIUM-SIZED

ENTERPRISES

Also available – “Special Clause” Letters of Credit:

(Only for Traders’ Credit Enhancement Purposes)

1. For improved Credit Lines at bank - Client as the Beneficiary!

 Subject to our Indemnity Clauses

2. Client's Supplier as the Beneficiary – for Imports on Credit

 Subject to our Inspection and Indemnity Clauses
 When shipment arrives at Client's destination or warehouse, the Client
settles in full AND we release Payment to supplier; otherwise the
shipment will be resold and Client's deposit forfeited; to cover any loss
in price and related expenses.

Other “Special Clause” Letters of Credit Clauses:

a. Validity Period: from 90days up (45 & 60days possible);

b. Retainership: Minimum GBP£795 per LC (depending on Trade Size)
…
c. Security/Collateral Deposit:
i. 7% for the first 90 days and 3% for each additional month.
ii. 6.3% for 60 days and 5.8% for 45 days.

Advantages include:
1. Freeing-Up funds that would have been otherwise tied-up at your bank for LC
~ wherein a Long Production and/or Delivery Lead Times are involved;

Apex Trading Group -1999 xvi

 2. Can be used to raise funds for Bigger Projects under our Specialized Funding
Programmes.

GENERAL PROCEDURE
As you might be aware, in today's rapidly changing Global Economy, Opportunities arise
that require speedy reactions. Not taking a cookie-cutter approach to Business
Financing, we at APEX TRADING GROUP understand the importance of timing;
hence, with Flexible Entrepreneurial Approach, we structure our broad range of
Creative and Innovative Financial Solutions, around each Client's Requirements.

Therefore, to facilitate minimal Interruptions to our mutually demanding schedules; we Evaluate

Projects and complete any Funding Programme; in accordance with the following procedures:

Key Stage 1:
The Client/Project Owner sends an Informal Letter including the Executive
Summary of Business Plan (wherever available), stating Services Required
and indicating Availability of Funds for the Arrangement Fees. Our skilled and
experienced Professionals will work with you to ensure a Quick Response!!!

GENERAL PROCEDURE – continued

 Some projects we know we will be unable to pursue due to their

relatively small size, their unique industrial sector or certain project
structural elements, which would be difficult to change. However, other
Projects can be evaluated as being good candidates for financing
through our Reliable Financing Sources/Standard Project
Evaluation Programmes. Others require further research, analysis
and review; in determining if they have the potential to be financed
AND placing them with a Reliable Financing Source.

 In the light of the foregoing, we review all proposals FREE OF

CHARGE and inform Sponsors promptly; whether or not, we can
provide them assistance. We would not waste time.

Key Stage 2:
We will issue our Terms of Engagement in respect of Projects requiring:

 Time for Special Reviews,

The Terms of Engagement Letter confirms Mutual Understanding of the
Funding Options or Services, which the Client has ordered and re-affirms: -

Apex Trading Group -1999 xvii

 a. Our Commitment/Interest in Providing the Services Ordered
b. Agreed Target/Delivery Milestones and
c. The Assessed Retainership and Success Fees.

(i)A.2. Please Note

 We are selling Time, Knowledge AND Guaranteed Funding.

 Our Database of Reliable Financing Sources took many years

to build;
 Use of our Time and Knowledge is charged to clients; based
upon the degree of responsibility involved; on a case-by-case
basis.

 Furthermore, we have a “No Hidden Charges” Policy; and would ask

you to respect that. Although all our Funding and Credit
Enhancement Programmes and Services are 99.9% Guaranteed; in
the unlikely event that APEX TRADING GROUP was unable to
complete any financing request and/or Other Services (for any
reason whatsoever) then, the Retainership paid; will be totally
reimbursed – Subject to the Client not being at fault e.g. where
having fulfilled all the requirements of the Chosen or Agreed Mix
of Programme(s) as verifiable by an Independent Attorney or
Lawyer;

 We wish to give our full attention to serious people and not

brochure collectors or window-shoppers, therefore, wherever
relevant, a Detailed Business Proposal (Business Plan) and/or
Proof of Fund (POF) for the entire Service Charges e.g. the
combination of the Retainership and Success Fees; via a Bank
Letter of Capability or Bank Statement (or an endorsed Tear
Sheet/Print-Out) is required; before certain applications are taken-
up and considered really serious – especially in the case of the
Credit Enhancement Programmes. Thus, avoiding the time wasters!

GENERAL PROCEDURE – continued

Key Stage 3
You should be aware that, in accordance with Standard Practice
recommended by the International Chamber of Commerce (and, in
accordance with the Strictest Codes of Conduct; becoming of a Firm of
Accountants and Auditors, individual members of which are duly certified by
the London Chamber of Commerce and Industry and/or various Institutes of
Accountants and Auditors in the UK) to start Financing
Research/Consultation activities, on behalf of clients .
Apex Trading Group -1999 xviii
  A legally binding Funding Request Contract/Agreement – incorporating
1. The Terms of Engagement;
2. Agreed Target/Delivery Milestones and
3. Confidentiality Clauses for Non-Circumvention and Non-
Disclosure;

 Exclusivity and/or Confidentiality Agreements are clear signals

to the Financing Community that you and your intentions are
real; plus, because of Time Limitation in the Agreed
Target/Delivery Milestones and Fees Protection Agreement;
then we can devote more attention to your Financing Request;

 Working on a Non-Exclusive Basis, you will probably discover that,

you merely got your deal “shopped” rather than “sent” - the
shopping can and does often backfire; especially when Credible
Financing Sources see a deal more than once or hear it is being
shopped around. Targeted submissions VIA Financing
Professionals; to known Ready, Willing and Able Lenders/Sources
always produce better results.

Please Note

 From time to time, it is necessary to meet Project Sponsors and/or

vApex Trading Groupt a Project Site;
 Our Retainership Fee has to be paid; before we will incur costs on a
client’s affairs;

 We are required to devote several weeks or months to establishing

funding, hence we will, not without compensation to cover part of
our costs; do so;
 Our Commitment / Retainership Fee is payable in part or in full;
before the first meeting and/or before the Contract is delivered by
the Legal Service Provider e.g. Escrow Lawyer (Attorney) which will
deliver the Contracts and whose fees must be covered in advance,
accordingly ~ not least our time to be spent necessarily occupied
with Business Plan Updating or Rewriting, Underwriting
Assurances/Processing Cost of Mandatory Bank Accounts and
other Professional Fees…………. Etc

 The Retainership Fee, for all our Funding Programmes, can be

deducted from the Chargeable Success Fees. So in the end, we
carry the entire Commitment / Retainership Fees; within the
Agreed Total Fees;
 Please note that in order to protect our trade, the Lenders, Syndicates
or Investors’ details will be disclosed only when we have received a duly

Apex Trading Group -1999 xix

 executed agreement and above mentioned fees. We make no exception
on this matter.

With a Commitment / Retainership Fee Paid, we are reassured of the Client’s

Commitment to Complete a Process, thereby successfully excluding "time-
wasters" and Preserving Professional Time and Attention; for the requests of
our Serious, High Quality Clienteles.

GENERAL PROCEDURE – continued

Key Stage 4: Funding Request Contract/Agreement Executed!

At this stage:

1. The Project Owner delivers the Government Guaranty or BG and

and/or other Collaterals available for use as Security e.g. Safe-Keeping
Receipts, Deeds of Ownership…etc. and
2. Secures Payment of Agreed Retainership and other Professional Fees;

Please Note

 Also at this stage:

1. Compliance Procedure and Appraisal of Collateral

are implemented by Lenders/Investors and the Loan to
Value of Mergers and/or the AcquApex Trading
Grouptions determined;
2. Meeting of Sponsors and Lenders undertaken;

 Regarding Credit Enhancement Programmes and/or Issuance of

Financial Instruments, It’s at this stage that:

1. The actual instrument is issued right away via

SWIFT MT 799 or a Pre-Advice can be sent bank-to-
bank, if required.
2. The Escrow Lawyers verify the services provided and
could release the Fees due or refund the client (as
the case may be!) in accordance with the Terms of
Contract;
3. Transaction Ends.

 Regarding Funding Programmes, It’s at this stage that:

1. Loan Contract/Agreement is executed;

2. Project Funded and Success Fees deducted and
paid-out simultaneously – the Success fee is paid
Apex Trading Group -1999 xx
 against a Pay Order delivered to Dr Oke and
Associates by the Borrower;
3. HANDING OVER (TURNKEY PROJECTS);
4. Transaction Ends.

FEES STRUCTURE for PROJECT FUNDING PROGRAMMES

1. Minimum Commitment/Retainership Fee: -

Big & Small Projects (From $5m): GBP£12,500 -up to- GBP£150,000 per
transaction; assessed on a case-by-case basis (depending on Transaction Size, time
and other matters involved)…

Due and Payable in full upon the Project Owner signing our Agreed Terms of
Engagement/Mandate, authorizing commencement of work – No Exception.

Please Note
A Project Owner must be capable of covering the Costs Disclosed BEFORE
contacting us, on any Funding or Credit Enhancement Programme and/or Ancillary
Services E.g.: -

 The Minimum (Refundable) Bill of Costs for Face-to-Face Consultation

or Meetings* with Project Sponsors / Project Owners is GBP£795 per
half-hour subject to: -

Payment must be made prior to the appointed time.

A Face-to-Face Consultation or Meeting may take place at our
offices or via Video Link.
The Minimum (Refundable) Bill of Costs for a Written
Consultation is also GBP£795, for each Request for Recommended
Solution, taken-up by Dr. Oke And Associates;
Upon the client proceeding with any of our Programmes and/or
Services – within a reasonable time – The Bill of Costs Charged for
Consultation or Meeting is deductible * from the Assessed
Retainership Fee; and the Retainership Fee itself; is deductible
from Agreed Success Fee, upon Completion of Transactions.

 The Agenda for a Face-to-Face Consultation Meeting includes: -

1. Further discussions, in respect of (a mix of) Funding
Programmes of Choice;
2. To discuss the Milestones/Phases and Possible Completion
Dates;
3. Other Matters arising;

Apex Trading Group -1999 xxi

We are selling time and knowledge and the fees and expenses shall be due and
payable as scheduled. A "rule-of-thumb", based on documented experience, is that;
our fees usually return a multiple of at least 10 times. E.g. a client which fully meets the
requirements and spends therefore, just under GBP£500,000 on a project with
APEX TRADING GROUP, may expect more than GBP£5million (GBP£5,000,000.00) in
Funding.

2. Minimum Success Fees: depending on Type of Collateral and Project Size.

 Big & Small Projects: FROM 2% of Loan Amount;

 International Trade Finance: FROM 2% of Invoice Amount;

We shall be pleased to act for you, if (and/or when) you can fulfil the
requirements.

APPROVAL CYCLES
As soon as a Service Request is submitted and the Retainership Fee paid, the Success
of the Project becomes our constant concern. Simply put; we are, from there on,
committed to “Making it Happen” and would dig into our expertise in Financing
Engineering, to make the deal a Success.

Be advised:
Some of our competitors - even the most respected ones - prefer to quote rather low
Service Prices and afterwards charge excessive fees. We adopt a different approach, with
“Honesty is the Best Policy in Business”…in the heart of our "modus operandi."

(i)A.3. How long does it take to make the

arrangements?

Once your transaction has been presented to and passed by the Evaluation Committee, a
firm procedure is structured for the transaction. The Time Frame for Completion of each
Transaction; is assessed and indicated, on a case-by-case basis within our Terms of
Engagement. On occasion the lending source will order Appraisals - at your
expense...can't be avoided…especially if your plan involves a Merger or an
acquisition; and you will need to make sure to include something; clearly stating that the
property is for sale and that the owner can and will sell it. It will improve your chances
1000%.

(ii) Are there any Limitations?

(iii)
Apex Trading Group -1999 xxii
The use of funds is limited to legal transactions only. Terms of use of funds are
defined in a legally binding contract and our Lawyers/Attorneys would draft such a contract
for each transaction individually.

ANCILLARY SERVICES
Whether you are a new or long- established business, we take pride in finding
customized solutions for all your business needs. With our MAIN GOAL being to become
the Premier, Comprehensive One-Stop; Financial Consultants of Choice; to Small
and Medium-Sized Businesses; together with the experiences gained working
across a range of industries as accountants and auditors, we are the professionals to
bring in the best new Private Lenders and/or Investors from around the world, to
smooth out problems that arise in the due diligence process and to make sure, all
contingencies are met successfully and quickly. Whenever requested, we help put into
effect, our recommendations and/or advice.

The Ancillary Services covered are as follows: -

1. Tax-Management Consultations
There are many ways you can structure your existing Business Affairs to accrue tax-free
profit, tax-free spend-able money and tax-free benefits, however using Offshore
Companies or Trusts; with Forethoughts and Planning, has been proven to be the best
Legal Way, of so doing. We assist people to protect their liquid assets using Offshore
Banking Facilities, at Jurisdictions known for strict privacy-oriented laws.

 Formation of Offshore Companies, Offshore Banks, Offshore

Trusts, Offshore Insurance Companies, Offshore Mutual Funds,
Foundations, etc. in many Jurisdictions, such as, Niue, British Virgin Islands,
Cayman Islands, Turks & Caicos Islands, The Netherlands Antilles, Anguilla,
Switzerland etc…. etc….

ANCILLARY SERVICES – continued

Opening Personal & Corporate Offshore Bank Accounts Worldwide

Apex Trading Group -1999 xxiii

  Anonymous Banking: Whereby accounts can be, at your decision,
numbered with no name, for high protection and secrecy, making
them legally unreachable to creditors and litigants.

(iv) Special Offers

A. Swiss Internet Banking Account With Gold Credit Card @
GBP£1,100
Switzerland offers probably the best banking stability in the world.

We help you open an account at a major Swiss bank, without reference or

minimum deposit requirements.

Key Features of the Swiss Internet Account:

No minimum deposit or balance;
Multi-currency (CHF, EUR and USD);
Send and receive SWIFT Wire Transfers online,
Clearance of Cheques;
Easy Opening Process;

Account opening can be completed fast and efficiently, entirely by mail. Our fee is
all-inclusive and after you complete a short questionnaire by email, Courier
sends your account package directly from the Swiss Bank; All you need to do
is sign the forms and send them back to activate your account.

You can choose MasterCard or Visa Credit Card, with the base currency of
USD, EUR or CHF. You must apply for the credit card directly after the
account has been opened and funded. However the card is issued
automatically with no credit checks!

The card will have a minimum credit limit of USD10, 000 BUT you must keep
at least double the requested credit limit on the account balance.
Note: this is not a blocked security deposit. This money stays on your main
account and can be put to work for you earning interest.

B. The Panama Offshore Anonymous Secured Classic Visa Card

Due to our special relationship with the Trust Company involved, these cards can
be issued anonymously with no ID required. In this case, no name is printed on the
card. If you prefer, you can choose to have your name printed on the card; in which
case you will need to provide an ID.
Main features:
100% offshore card billed in US dollars Balance can be checked via
Internet PIN number for cash withdrawals

Apex Trading Group -1999 xxiv

This exciting new product costs ONLY GBP£1,380.00!! Further Details
available upon request.

ANCILLARY SERVICES – continued

FREQUENTLY ASKED QUESTIONS:

How long will it take to receive my card?

Answer: Anonymous cards are held in stock and despatched by
secure mail or courier within 5 working days of clearance of your payment.
If you order a card personalized with your name, please allow an extra 21
days for delivery.

C. Your Own US Limited Liability Company (LLC) in TAX-FREE

AMERICA! @ GBP£2,500.00!! ONLY

One of the most well kept SECRETS of the Offshore World is the U.S. Limited
Liability Company (LLC)!

Within 2-3 weeks you can have your own American Company for ONLY
GBP£2,500.00!! (Including the Bank A/C with an International Bank, Offering
Internet Banking etc - on top of other regular services i.e. ATM Debit Card, faxed
Wire instructions etc).

Your income taxes can be reduced!

You can do business all over the world!
The Offices e.g. President, Secretary, Treasurer, Member etc., may be held by
an individual or body corporate)!
You can transfer all your assets to your U.S. LLC and protect them and remain
ANONYMOUS! Avoid lawsuits and protect yourself!! (Remember, a LLC is like a
separate entity! A third person! And the “corporate veil” protects you)!
There are no capital requirements!

Note:
The only considerations are that your LLC is conducting business OUTSIDE the
U.S. and that the Manager/Member are NOT U.S. Citizens or U.S. Residents!

In order to remain COMPLETELY ANONYMOUS we can also incorporate for

you a PANAMANIAN CORPORATION that would act as the President, Secretary,
Apex Trading Group -1999 xxv
 Treasurer, Member and Manager of your American LLC! By using this Nominee
Service you remain Completely Anonymous. Costs Extra GBP£1,000

Special Introductory Price for your combination of American LLC (including the
Bank A/C) & Panamanian Corporation is GBP£3,399ONLY!

Be advised:
APEX TRADING GROUP guarantees honest, upfront pricing. Hence, we have a policy
of informing clients of the total price payable. Many offshore formation firms advertise
offshore services at unrealistically low prices then charge the client with numerous Hidden
Costs, which can amount to thousands of dollars. We do not do this. We quote the total
price payable – the approach we believe; people really appreciate.

Maintenance Charges (Offshore Companies only) in the second and subsequent years
are approximately 50% of the original formation costs.

ANCILLARY SERVICES – continued

2. Business Plan Drafting:

A well-written and thought-out business plan shows a company's strengths and
potential for growth and profitability. It becomes a critical element for success in
bringing-in capital, a merger partner, buyer or obtaining debt financing. Dr. Oke and
Associates can create a favourable but realistic presentation of your company. We
help our clients meet the challenge of demonstrating clearly and objectively, why
their company is the appropriate choice as an investment or loan candidate.
 Business Plan Drafting Fees:
i. Executive Summary @ GBP£795.00 (Or its USD$ equivalent)
and
ii. Complete Package (including an Executive Summary)
GBP£10,000.00up to GBP£25,000.00 maximum ~depending on
Project Size;
(A Complete Package consists of the Strategic Business Plan,
Business Plan of Operations and Executive Summary)

YOUR GOAL IS TO SUCCEED IN YOUR UNDERTAKINGS………so, You Do Need a

Good Business Plan, written by Professionals!!

(iv)A.1.1.1. Business Plan Review Services:

Apex Trading Group -1999 xxvi

(iv)A.1.1.2. Our Business Plan Review Service is a comprehensive review of your
own already completed business plan and a written report of our recommendations
for improvements. We look at your business plan for mathematical completeness,
cohesiveness, and clearness in presentation. BUT this is not an editing or proofing
service; we assume any business plan is free from errors in spelling and Grammar.

A Business Plan Review and/or Feasibility Study is perhaps the most important
BUSINESS PLAN SERVICE we can provide for you. Without an objective
evaluation of a Business or Project, the factors impacting on its success and
verification of revenue projections, most Business Plans and Funding Requests are
simply going to fail. Funding sources and/or investors need outside evaluation to
help them understand what can reasonably be expected to happen, when and why.
Also, they are more impressed with a financing request that shows enough
confidence and savvy to have ordered an independent feasibility study.

 Business Plan Review Fees:

 From GBP£1,200 … depending on Project Size BUT entirely
Free of Charge to Retainership-Paying Project Funding Clients;
 Generally, a complete feasibility study could be completed within 3-
4 weeks of starting it.

(iv)A.1.1.3. Business Plan Rewrite Services:

Rewrite help is performed for a fixed fee; from GBP£5,000.00 to GBP£16,000 plus
direct expenses, depending on where the project is and how much time would have
to be spent traveling and in the field. The engagement and therefore its
expenses, almost always include, visiting with you in person.

Well, the scope and quality of a APEX TRADING GROUP-Rewritten Business

Plan are guaranteed to meet the expectations of both Private Investors and many
other Financing Sources.

ANCILLARY SERVICES – continued

3. Financial Guarantees and Performance Guarantees:
Instruments such as these; are mainly for Project/Trade Enhancement Purposes and may
be issued via KTT (key tested telex) or in a Hard Copy of a Letter; format.

Apex Trading Group -1999 xxvii

 If you choose to apply for either of these two Guarantees, after signing our
agreement and paying our active file/follow up expenses, we immediately introduce
any one of our many Guarantors.

Indeed, the quality of the collateral offered by a borrower increases his chance of
securing the loan. A good Business Plan and the best Management Team in the world
are not enough in convincing lenders to invest in your project. The issuing Banks
and/or Insurance Companies will be Top-Rated.

As in the Leases of Enhancement Instruments Proof of the Emission Fees would be

required; AND Minimum Transaction Value is USD$10 Million.

Please Note

Generally, we confirm a Firm Commitment after the Scope of

Project has been agreed and the final business plan has been
accepted………more likely so, if the Feasibility Study had been
professionally drafted; focusing on the Cash Flow Schedule;
Subject to a Minimum Retainership Fee of GBP£12,500
AND
 Success Fee chargeable determined… after the Business Plan/Scope of Project
has been accepted. Generally, the Premiums Payable depend on the Risk Quotients
and rating of the Issuing Institution – whether a Bank or Insurance Company;


4. Commodities Available to Direct Buyers & Mandates

Thanks to long-term co-operations, we can supply the commodities listed below at
very competitive prices, subject to Terms, Large Quantities and Long-Term
Contracts only.

1. CRUDE OIL & GAS OIL CONTRACTS:

 SLCO/ REBCO/ BLCO;
 D2 / HSD;

2. GOLD & DIAMOND CONTRACTS:

 Aurium Utalium (Au) Metal Bullion - GLD Standard;
 Alluvial Gold Dust;
 Rough and Polished Diamonds;

ANCILLARY SERVICES – continued

Commodities Available to Direct Buyers & Mandates -
continued
Apex Trading Group -1999 xxviii
 (iv)A.2.
(iv)A.3. Please Note

We are either the Sellers or Direct to Major Sellers of the above-listed

commodities and for our very serious and respectable clients; we would on the one
hand secure the Contracts and/or Allocations (and could finance it, on the other
hand; should a client need us to); thus…creating, supremely successful trading
experiences.

Please no Brokers Chain entertained; only Real Buyers and or Buyers’ Direct
Mandates need respond; and our Standard Terms for Consultations will apply…
see below and essentially;

 We offer good discounts and seek only serious buyers to establish long-term
relationships with. We would not deal with mere price seekers;
 Success Fee is payable on each Irrevocable Corporate Purchase Order /
Contract Executed;
 Genuinely Serious and Capable Buyers pay our Refundable GBP£12,500
(One-Time) Retainership Fee ~ which provides coverage for Unlimited
Transaction Processing (in respect of the above-listed commodities) from
then on; Ensuring that:
1. You save valuable time;
2. We get paid for work done;(should a client jeopardise a Potentially
Successful Trading Scenario; with a possible decApex Trading
Groupon to look elsewhere) after we have put in, a lot of HARD
WORK delivering; legally binding Full Corporate Offers; and
3. In places, it’s an essential deterrent & safeguard, against time
wasters;

 The (One-Time) Retainership Fee is deductible (One-Time) from the first

executed Success Fee Protection Agreement (if any) and
 For our Ultimate/Alternative Refund Policy ~ See General Procedure (Key
Stage 2) above;

The Process of Receiving Private Consultation Time

Apex Trading Group -1999 xxix

Please submit the following:
A letter via email describing your specific needs (whether or not herein-
mentioned) we will revert with an Assessment of the Bill of Costs (Minimum
GBP£795) chargeable for the Consultation sought.

The Minimum Bill of Costs for Consultation e.g. GBP£795 will be

invoiced before delivering Expert Services/Consultations sought.
However, upon receipt of payment, we revert to you within reasonable
time, depending on complexities (normally 24 hours) with a tailor-
made, to-the-point advice or firm offers just for your very personal and
specific needs together with the relevant costs applicable;
We bring global expertise, world-class investment capabilities and a choice
of flexible, customized investment solutions to serve your financial
requirements. You can be sure of our commitment because; it is backed-up
by some of UK and America’s premier diversified financial services companies,
whose financial strength and prudent governance are recognized around the
world;

The Process of Receiving Private Consultation Time –

continued
Life and circumstances are always changing. No matter how sound
your financial plan was when it was created, scheduling a Consultation
with APEX TRADING GROUP is always an opportunity to receive
Expert/Unbiased 3rd-Party Opinions on strategies – making sure that your
plans are still on track (Effective investment solutions must work for you today
and in the years to come) You can take stock and make any necessary
adjustments if there have been any Significant Recommendation(s) from a
APEX TRADING GROUP Expert Consultation Report;

 We take pride in building a relationship that is focused on understanding your unique

financial needs. How well we meet those needs is our measure of success BUT helping
you realize your goals is our primary objective.

(iv)A.3.1. BECOMING A PARTNER

Apex Trading Group -1999 xxx

Because speed and efficiency are important, we are always developing our aforesaid worldwide
network of relationships, expertise and choice with which to serve our clients. Therefore,
through Programmes developed for APEX TRADING GROUP & COMPANY, there exist
opportunities for experienced Accountants, Management Consultants, Investment Advisors,
Former Corporate Executives and others to become part of our organization as Alliance
Partners assisting us with new client opportunities.

 Programmes and Opportunities: Successfully assisting companies to grow is very

rewarding to certain individuals. Those are the professionals that are generally
assisting in finding new capital, providing additional infrastructure services or
performing general management consulting on specific projects. We have designed a
Career Opportunity for those qualified individuals or firms that are seeking to become a
part of a larger organization and gain access to additional income opportunities.

 Structure: We have a structure wherein our Independent Consultants can receive

Continuing Professional Education, utilize our Deal Flow and Financing Contacts on a
regular basis and work in the comfort of their own offices, make their own Schedules
and Substantial Incomes at the same time.

For Example:

Alliance Partners (Independent Consultants) may charge clients whichever amount they feel is
appropriate, on top of the retail prices charged by our company and still qualify for Agreed
Commissions from us, on a Case-by-Case basis.

 Success Factor: It could be apparent to most independents that working with a well
organized productive group; is very effective and rewarding. We believe we have
created that atmosphere within our company and are looking to grow by adding
qualified and professionally experienced consultants to our organization. We believe
that our success is determined by the calibres of the people that we engage to
represent our company.

We are prepared to put our expertise, access to capital and reputations at your disposal; by
arranging options on the money you or your clients need. Our team has more than 80 years of
combined experience in wholesale banking, corporate finance and global custody. We work
with hedge funds, pension funds, global banks and international brokerages, all of which can
make Billions of Dollars available to Entrepreneurs.

(iv)A.3.2. BECOMING A PARTNER –

continued

Apex Trading Group -1999 xxxi

 (iv)A.4. Contact Us
Generally, International Financial Services and International Trades; are responsible for
moving Trillions of Dollars daily – If you feel you have the necessary qualities and
commitment for success, then we invite you to contact us and explore a greater income
opportunity and resources that a company such as ours can bring into your professional
life.

Please note that Alliance Partners pay a one-time only Registration Fee, which is deductible
from their first Commission Due Payments ~ to cover relevant administration costs; let's face
it; time is money; hence our Alliance Partnership Programme was specifically designed with the
Professional Entrepreneur in mind – people that wish to maximize their earnings and appreciate
the Value of Time and Straightforwardness in Business (or more importantly, those who would
like to!). If this sounds like you, then our Alliance Partnership Program is the one program
you can't miss out on. What's the bottom line?

We pay you for introducing Clients to our Financing Programmes and Commodities. An
ever-increasing number of affluent people; all over the world, need our line of exclusive
services.

If interested, please send us an Agency Request in strict confidence to

[email protected] Once approved, the Alliance Partnership Agreement; will be
forwarded to you for signature. We look forward to hearing from you.

Alliance Partner (one-time) Registration Fee: GBP£795

Payable as follows:
 Deductible from the first “commission due” payment (if any);
And
 Becoming due if Associate was not active ~ (within 3 months); and/or if
Associate desires services which are free to the Paid-up Alliance Partners e.g.:

1. Attending our Training Seminars or Webcasts – covering subjects such

as:
 Structured Finance, Data & Credit Analytics
 Corporate Valuations, Economic Opinions……..…..etc.…etc.

2. Receiving Consultation – Senior level, yet personalized, attention;

3. Receiving In-depth industry and corporate analyses ~ APEX TRADING

GROUP works with companies across a range of industries.

4. We understand the unique demands of different industries and take

pride in finding customized financing solutions;

5. Discounts on Books/Reports……..…..etc.…etc.

Apex Trading Group -1999 xxxii

As a fully Paid-Up Alliance Partner, our company will work with you; as closely as is
necessary and with rare exceptions, dedicated Alliance Relationship Managers will
be available 7 days a week.

(iv)A.4.1. PRIVACY & INTEGRITY

APEX TRADING GROUP respects and protects the privacy of your personal
information. At no time during your Consultations do we make your information available
to outside companies. Only once we have created your personal business model and
discussed whichever Funding Option(s) you wish to proceed with, do we refer your
information to the specific Associate Company(s).

We do not sell your name or contact information to any outside company, organization or
individual as a result of your contacting and working with APEX TRADING GROUP.

We are committed to delivering services to both Prospective Borrowers and/or Prospective

Investors, with the highest level of integrity. This is more than a legal policy… it is a philosophy
for doing business; that serves us – and everyone we touch well.

(iv)A.4.2. APEX TRADING GROUP –

at your service!

Driven to excel, we continue to increase our penetration of the worldwide funding marketplace
with secure capacity and excellent operating results. Our achievements are based on our “on-
the-ball” innovative, responsible and responsive approach to business developments.

Please note that, as long as emails sent to B.S.BHANDARI with the requirements, the
management is obliged to react fast – our reply to any serious inquiry received, is usually that
quick and well documented.

It always comes down to " the numbers” do they make sense to you and/or a
financing source?

To learn more about how we may be of service to you, or if you would like to discuss a
Proposal; please send an email to [email protected] OR simply it our office.

We look forward to hearing from you ASAP and many thanks for your co-operation (if any).

Apex Trading Group -1999 xxxiii

Kind regards,
B.S.BHANDARI
Apex Trading Group, Mumbai - India

…To Joint Success!

Moving Forward Together is the Goal

24 Hours Around the Clock
7 Days a Week
365 Days a Year
We Take Care of Business

Please note:
 You are advised to contact a Financial Counsellor regarding your
Financial Position and/or Business Objectives.
 The Credit Enhancement, Trade and Project Funding Programmes listed
herein are suitable only to certain/qualified business organisations and
are subject to change without notice.
 This Communication is private and confidential and therefore, not
meant for public distribution. It is intended solely for the use of the
individual or entity, to which it is addressed.

Apex Trading Group -1999 xxxiv