1. THE FINANCIAL LIFELINE

2. Business / Enterprise

3. WE PROVIDE A TERM LOAN B TAKE OVER OF EXISTING LOANS C ICL BUSINESS EXCELLENCE MODEL D PURCHASE LOAN E LOAN AGAINST PROPERTY F OVERDRAFT LIMIT G PROJECT FUNDING H CASH CREDIT LIMIT I WORKING CAPITAL J EDUCATION LOAN K RESTRUCTURING OF LOANS(NPA ACCOUNTS) L MACHINERY LOAN M RENOVATION LOAN N VECHILE LOAN O PERSONAL LOAN(SELECTIVE PROFILE) P UNSECURED LOANS(1 CRORES)FOR SSI UNITS Q LEGAL,MARKETING AND MANAGEMENT CONSULTANCY.

4. OUR USP Easy Hassle-free Transparent Low Cost Expert Guidance One Stop Consultancy for all Business Needs Proven Results Custom Solution for everyone

5. OUR COMPANY Yield 4 Finance is a Brain Child of Extremely Experienced Professionals. Y4F is part of ICL Group of Companies ICL Group of Companies is having many companies dealing in variety of Business Domains like Education -ICL Group of Colleges/ ICL Hi-tech University (Product Certifications, Management System Certification, Training & Testing Laboratories.) Event Management Management Consultancy Construction & Infrastructure ICL Business Excellence Model Project Management

6. OUR REACH

7. LEADERSHIP Er Sanjeev Chadha is a Successful Entrepreneur with Master of Engineering (Production Technology) for PEC (Punjab Engineering College) Chandigarh with 29 years of rich experience in various Industries. QMS (Quality Management System) Auditor from IRCA London, UK. EMS (Environment Management System Auditor) Auditor from QSA, Australia. SA-8000 Auditor from Social Accountability International, USA HACCP (Hazard Analysis Critical Control Point) Auditor. OHSAS-18000 (Occupational Health And Safety ) Auditor. Chairman & CEO of ICL Group of Companies: -Yield 4 Finance Pvt. Ltd. -A&M Events. -ICL Global Infrastructure Pvt. Ltd. -ICL Group of Colleges. -ICL Hi-tech University. -Med Devices Pvt. Ltd. -Eurotech Assessment & Certification services Pvt. Ltd. -ITC India Pvt. Ltd.

8. LEADERSHIP Vipul Chadha is a man of few words is Managing Director of ICL Group of Companies. He is extremely grounded and yet has a visionary approach towards making ICL Group a globally visible name. He is Managing Director & Director (Finance) for ICL Group of Companies.: -Yield 4 Finance Pvt. Ltd. -A&M Events. -ICL Global Infrastructure Pvt. Ltd. -ICL Group of Colleges. -ICL Hi-tech University. -Med Devices Pvt. Ltd. -Eurotech Assessment & Certification services Pvt. Ltd. -ITC India Pvt. Ltd. He is also Captain of ICL Cricket Club (Played first class Cricket at the age of 12 years for Haryana).

9. LEADERSHIP Amarender Sharma is highly qualified in Finance, Banking & Marketing. Having done MBA (Mktg.), Masters in Finance & Diplomas in Business Marketing, Business Communication & Business Management from Sydney, Australia and has a strong reach within the corporate and Financial Institutions. He has a rich experience of 8 years in Retail banking (PAN India basis) and 2 years of Overseas Banking in Sydney, Australia. He is looking after the entire Business Operations of Yield 4 Finance Pvt. Ltd.

10. LEADERSHIP Rishi Cheetu is a Chartered Accountant with an experience of more than 5 years in the area of Corporate Finance and Debt Syndication. He has years of experience in Financial Analysis and management consultancy. He holds good relation with the Financial Institutions such as Commercial Banks and non banking financial organizations. He is Chief Finance Officer of ICL Group of Companies.

11. LEADERSHIP Rajesh Ruparel A Chartered Accountant by qualification and Y4F Chief Finance Officer of Mumbai region, he has an eight years plus of an extensive knowledge and experience in finance field. He has successfully worked on fund syndication and consortium funding proposals from varied sectors right from manufacturing, trading to services. He has rendered financial advisory and consultancy services to clients including BSE/NSE listed entities, Pvt. Ltd companies and SME & MSME entrepreneurs. And thus, he has developed very good relations with various banks and FIs.

12. LEADERSHIP S K Choudhury has experience of over 53 years in Civil Engineering construction projects of large scale and ISO certification. He has also worked as consultant to several enterprises including World Bank aided projects and an Arbitrator for construction disputes. He holds M.Phil. (Engg.) from the University of Birmingham and Chartered Engineer from The Institution of Engineers(India). He is the former sheriff of Mumbai. His Areas of expertise include Project Consultancy/Planning/Scheduling and Estimation. He has also been into Liaisoning, Budgeting and Cost Control. He is Regional Director of Y4F in Mumbai region.

13. LEADERSHIP Mohit Chadha is young & energetic Business Manager looking after the Operations and Business Development across UK & Europe for ICL Group of Companies. He has done B.A (Hons) International Business from University of Greenwich, London

14. LEADERSHIP Sahil Bansal Is Business Manager, looking after Business Operations of ICL Group of Companies in (New Zealand, & Australasia based on Auckland, New Zealand. He has done Master in Engineering & Product Management from University of Auckland.

15. LEADERSHIP Gautam Bhasin Is Business Manager, in Delhi region looking after Business Operations of NCR Delhi for Yield 4 Finance. He is Post Graduate in QMS Cost Auditing & EMS Cost Auditing. He has rich Experience of 16 years in various Industries:- Certification Training Product Certification Financial Solutions

16. OTHER SOLUTIONS Debt Syndication Off-shore Funding Financial Restructuring External Commercial Borrowing Short term Borrowings Securitization NCD & CP Placements Inter Corporate Deposits

17. OUR ASSOCIATIONS PSU Banks Foreign Banks Private Sector Banks NBFCs Angel Investors Private Equity Investors

18. THANKS Request for a Discussion 0 783 703 9490 visit : SCF 7, Near Nimantran Banquet Hall, Zirakpur – Kalka Highway, Zirakpur, Distt- Mohali, Punjab. 140603 sanjeev.chadha@iclgroup. org www.yield4finance.com