1. FACTORING

2. What is Factoring? Factoring is the purchase of accounts receivable for immediate cash.

3. How Does Factoring Work? The client: u Agrees to exchange account receivables for cash u Completes the business transaction as usual  Sends all or some of the invoices to the factoring company and includes proof of product or service delivered or completed

4. How Does Factoring Work (con’t) Riviera: u Verifies with the client’s customers that the product was received or the service was performed u Advances up to 95% of invoice value to the client u Sends the invoices to the client’s customers u Performs collection service when payment is due u Rebates reserves back to client, minus the factoring fees, once payment on invoices is received

5. What is Factoring? Since 1969, over 20,000 companies have used invoice factoring with Riviera Finance

6. Primary Benefit: CASH FLOW u Meet payroll u Meet tax requirements u Increase marketing u Purchase inventory u Purchase capital equipment  Obtain better supplier terms, volume, discounts

7. A/R Management Benefits u Mailing/Sending and collecting of invoices u Redirect critical resources to selling and delivering your product/service u Reduce administrative costs u Improve billing and collection by outsourcing u Focus on the business strengths u Reduce overall workload & stress

8. Credit Services Benefits u Provide immediate credit limit recommendations for current and future customers u Improve decision-making on new business u Reduce or eliminate bad debt u Non-Recourse Factoring: Riviera Finance is a “non-recourse” factor, which means if Riviera approves the credit of the customer and that customer does not pay for financial reasons, Riviera takes the loss.

9. Riviera Generally Works With... u New or established businesses u Businesses with little or no credit history u Owners with personal credit challenges

10. Pricing and Advance Rates u Pricing depends on: Volume (total outstanding A/R) Industry Credit-worthiness of client and customers Terms of vendor agreements / contracts u Advance rates vary generally from 70% to as high as 95%, depending on each situation

11. Trifecta of Awesomeness

12. Factoring - Industries Served u Transportation u Manufacturing u Technology u Distribution u Staffing u Business services

13. Customer Testimonial Customer feedback "For financing it can't get much easier. Our company has been growing for several years and the growth rates could not have been achieved without the additional financing that Riviera has provided." Stan Shaw | Phoenix, AZ "I think Riviera is the most reliable, honest company there is. You guys are always there when we need any kind of help and answers." Ramon Sanchez | Miami, FL

14. Summary u Business is about taking advantage of opportunities. u Factoring gives a company the financial and administrative ability to grow. Fund working capital Control accounts receivable costs Identify credit-worthy customers Manage growth, outsourcing, cyclic changes

15. Peter Amundson 775-852-0445 peter.amundson@bizfac.com Joylene Hill (775)742-2269 jhill@rivierafinance.com www.rivierafinance.com