1. OUR STOCK FINANCING PROGRAM

2.  Securities : Tradable Stock (public Listed company)  Markets we serve: Singapore Exchange (SGX), Hong Kong Exchange (HKEX), NASDAQ, Australia Exchange (ASX), Jakarta Exchange, Malaysia Exchange, China, Canada, Taiwan, Thailand Exchange, London Exchange, etc.  Terms: minimum 1 year and maximum 3 years (with option to extend 2 more years)  LTV (Loan to Value): 40% to 70%  Margin Call: 20%-30%  Interest rate: 5%-9% per annum  Fee: 3%-5%  Amount: Minimum 3Million USD and Maximum 50Million USD per transaction. The Stock Financing Terms & Conditions The Stock Financing Terms & Conditions

3. 1.Borrower submits the code of the stock 2.Lender issues a term sheet 3.Borrower signs the term sheet and submit KYC docs 4.Lender issues the Loan Agreement 5.Borrower signs the Loan Agreement and all necessary documents, including custodian account opening docs.) in our designated law firm 6.Borrower pledges the collateral at custodian account (under borrower’s name) 7.Lender disburses the Loan and fees (including the borrower’s side fees to be disbursed to our company for further distribution to the designated agents/brokers) 8.If the Borrower wishes to renew the Loan, Borrower is required to write to the Lender via the asset manager for the intention to renew. The renewal request letter shall be submitted 60 days prior to the expiry of the original loan agreement. 9.The lender may choose not to renew the Loan agreement, thus the decision of loan renewal is at the Lender’s discretion. The Stock Financing Procedures

4. STOCK LOAN AGREEMENT The Loan Agreement covers the details and structure of the loan, including the following: The Loan Amount The Loan Terms and conditions The Default events clauses Pledge of collateral Loan repayment No Transfer title and No short selling clauses TRI-PARTY AGREEMENT The Tri Party Agreement covers the details of the structure of the custodial including: The Collateral Information The Parties Information The Right and obligation of each party (Borrower, Lender and Custodian firm) Custodian arrangement Etc. The Loan Agreement and Tri-Party Agreement shall be signed in person at Lender’s designated law firm. STOCK LOAN AGREEMENT The Loan Agreement covers the details and structure of the loan, including the following: The Loan Amount The Loan Terms and conditions The Default events clauses Pledge of collateral Loan repayment No Transfer title and No short selling clauses TRI-PARTY AGREEMENT The Tri Party Agreement covers the details of the structure of the custodial including: The Collateral Information The Parties Information The Right and obligation of each party (Borrower, Lender and Custodian firm) Custodian arrangement Etc. The Loan Agreement and Tri-Party Agreement shall be signed in person at Lender’s designated law firm. TERMSHEET This is summary of the loan, including:  Loan To Value (LTV)  Interest Rate  Loan Period  Margin Call  Administrative Fees  Origination Fee  Validity 7 trading days KYC FORM KYC form is to be provided by the Lender when the Term sheet is duly signed by the Borrower. The KYC form is to be used to fill up the Loan Agreement and Tri Party Agreement, as well as the global custodian opening account documents TERMSHEET This is summary of the loan, including:  Loan To Value (LTV)  Interest Rate  Loan Period  Margin Call  Administrative Fees  Origination Fee  Validity 7 trading days KYC FORM KYC form is to be provided by the Lender when the Term sheet is duly signed by the Borrower. The KYC form is to be used to fill up the Loan Agreement and Tri Party Agreement, as well as the global custodian opening account documents

5. ACTIVATING ACCOUNTS AT CUSTODIAN  After KYC passed compliance, the global custodian account will be set up  There will be an email to borrower for account activation  Direct custodian of bank account for payment of funds TRANSFER OF SHARES & FUNDS The borrower completes the following:  Transfer of agreed amount of shares to brokerage account. This usually takes 24 - 48 hours  Once the shares have been transferred: o The lender confirms the receipt of the shares and transfers the funds to the borrowers brokerage account. The size will be agreed by the borrower and lender based on loan amount o The borrower has to direct the custodian on which bank account they would like to have the funds transferred to. Documents to be completed/submitted by Borrower are: I.Custodian Account form II.Terms of Business Form with Brokerage III.Custodial Agreement IV.Individual ID Checklist V.Proof of stock holdings (existing custodian statement) VI. Certified passport/ID VII.Latest 3 months of address proof (Bank Statement or Utility Bill) to be notarized by registered Notary or Law firm VIII.Net Worth Statement (to be provided by Lender’s designated Law firm) IX.W-8BEN form (to be provided by Lender’s designated Law firm) X.Personal Guarantee (if required)

6. Why Us? Personalised, Flexible, Service to Match Borrowing Needs Low Interest rate Sizeable, Instant Access to Liquidity Competitive LTV Reliable Global Network with Custodial Services Strong and Stringent Compliance in Account Set Up Loan With us