TERM SHEET PROPOSAL SUMMARY

ISSUED BY

ACQUISITION OF BANK GUARANTEES (BG) OR SBLC HSBC-LONDON, STANDARD CHARTERED BANK-LONDON AG - ZURICH

OR

UBS

NOTE: This Term Sheet is for a first time BG buyer that must pay the banks advance commitment fee with traditional SWIFT delivery.

The following summarizes an opportunity for a qualified Investor (Buyer) to purchase Bank uarantees (B or B s) from quality !uropean issuing "anks# The "ank guarantees appreciate to $%%& of face value on the maturity date (less than $'( months)# B s can "e ordered with or without interest payments due on the maturity date# )eller provides the interest payment separately# The B s are "ank issued securities with I)I* and +,)I- registration num"er to facilitate su"sequent "uy(sell private placements# ,nlike other securities (.T*s)/ B s are $%%& cash "acked with funds on deposit at the issuing "ank# )eller/ a humanitarian organization/ has e0clusive arrangements with top "anks to provide B s "elow market costs and share this advantage with the Buyer#
*ote1 This term sheet is intended solely as a "asis for further discussions/ is not intended to "e/ and does not constitute a legally "inding o"ligation or agreement# In addition/ the e0amples/ num"ers and calculations/ "elow/ are intended to clarify the offering and the terms#

OFFERING $# BG Dominations (Face Value): '# Issue Date an$ Matu%it& Date: 5# Re$eemin' BG at Issuin' Ban(

TERM SUMMARY a) .inimum B 2ace 3alue1 ! .illion ") .a0imum )ingle B 2ace 3alue1 ! Billion c) Total B orders accepted per week1 "# Billion per issuing "ank# a) The issue date when delivered to the Buyer is normally within $ to ' "ank days of when funds were confirmed in escrow# ") 4ll B s mature within $ year and $ day ($'(months and $ day) from date issued "y the "ank# a) 2ull 2ace 3alue at .aturity 6ate# The B has a full 2ace 3alue at the issue date (inception) "ut can only "e redeemed at the .aturity 6ate at $%%& full face value# ") 7edemption# Buyer (owner) must redeem the B for cash/ at the maturity date/ "ut no later than the e0piration date shown on the B documents (typically $8 "ank days from maturity date)# c) !0tensions# Buyer can e0tend the B maturity date for 9 times of $ year and $ day with advance notice to the issuing "ank# )eller will pay for all e0tensions ("ank fees)# +urrently/ a si0 percent (:&) interest coupon is given on all e0tensions# *ote1 *o interest on first year of B issue#

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OFFERING

TERM SUMMARY d) !arly 7edemption (*egotiations)# The Buyer (owner) may request an early redemption prior to the $(year and $(day from issuing "ank# Issuing "ank will propose an early claim redemption value to Buyer (not full 2ace 3alue)#

9# BG a%e a) $%%& cash "acked with funds on deposit at issuing "ank# Secu%e$ Ban( ") B s have I)I*/ +,)I- and other "ank registration num"ers as Inst%uments marketa"le security "ank instruments# c) B s can "e transacted and delivered directly "y )@I2T .TA:% and +ourier Bardcopy/ on "y secure online connection on !uroclear/ I#+#)#6# 6T++ and Inter"ank )ystem# 8# )u%%enc&: :# BG Inte%est *a&ment: A# T&+e o, T%ansaction: a) C ( !uro (preferred) ") D ( Bc) E ( ,)6 d) +B F )wiss .arc

The "anks issue B s with no interest payment at maturity (Gero +oupon/ %&)# a) -rivate placement "etween two (') qualified parties (Buyer and )eller)# ") Buyer acknowledges they are qualified to participate in private placements as an accredited and qualified investor (a ,)4 standard)# ./0 (2orty(eight percent) of face value of B ($%%.H) !0ample1 $%% .illion B 0 9=& equals I 9= .illion cost of B !10 (2ifty(nine percent) of face value of B ('8.(JJ.) -lease see attached !0hi"it A/ )@I2T -rocess *ote K$1 The procedures outlined in this term sheet must "e adhered to and no modifications can "e permitted# 2or e0ample/ final delivery of the B is accomplished after final payment is received# B cannot "e delivered without prior payment# a) Issuing Banks prefer the funds to purchase the B s are on deposit in a known @orld Bank# ") Issuing Banks will confirm the funds are on deposit in an escrow account "efore issuing any B s# -lease see attached !0hi"it B/ 2irst Time Buyer and 7epeat Buyer )ummary#

=# BG *%ice Fi%st Time Bu&e%: J# T%ansaction Ste+s - Fi%st Time Bu&e% 2it3 S4IFT Deli5e%&: $%# Bu&e% Fun$s to Bu& t3e BGs: $$# Fi%st Time Bu&e% 5e%sus Re+eat Bu&e%

)ontact In,o%mation:

E67IBIT A BG BUY E6AM*8E - S4IFT VERIFI)ATION AND DE8IVERY

TRANSA)TION *RO)EDURES $# Buyer su"mits compliance package with full "anking coordinates (there must "e sufficient cash funds in this account)/ !nlarged $9%& +olor copy of -assport/ +lient Information )heet/ +ertificate of Incorporation (if applica"le)/ +orporate 7esolution (if applica"le)/ *on()olicitation )tatement/ and an Irrevoca"le 2ee -rotection 4greement# '# The )eller confirms that Buyer has sufficient funds in their "ank account to conclude the B purchase transaction (LpingM)# 5# 4fter conducting due diligence and within 9= "anking hours after receive the BuyerNs client information documentation (+I) or OP+)/ the )eller will release the Bank uarantee (B ) -urchase 4greement to Buyer# 9# @ithin one ($) "ank day/ the Buyer will acknowledge/ agree and send the signed B -urchase 4greement to )eller "y email# 8# @ithin one ($) "ank day of receipt of BuyerMs signed -urchase 4greement/ )eller will sent to "uyer the >rder +onfirmation and Invoice document# :# ,pon receipt of the BuyerMs signed >rder +onfirmation document and payment of the "ankMs commitment fee (2irst Time Buyer only) to the escrow account (agent)/ )eller will place order for the B with issuing "ank# A# @ithin two (') "anking days/ the )ellerMs Bank shall send a -7!(463I+! )@I2T .T(AJJ to the BuyerMs Bank# The -7!(463I+! will contain the B Ms specific information for the Buyer to verify and confirm the B # )eller will also send "y email screen shots of the B to Buyer# =# @ithin one ($) "anking day/ the Buyer will confirm/ approve and accept the B # The Buyer will send to )ellerMs "ank a return .TAJJ authorizing delivery of the B "y .TA:%# J# @ithin one ($) "anking day/ the )eller will instruct issuing "ank to deliver the B to BuyerMs "ank "y .TA:% 6elivery .essage# $%# ,pon receipt of the .TA:% 6elivery .essage (the day the message is received "y BuyerMs "ank)/ the Buyer has two (') "ank days to send final payment "y .T$%5 to )ellerMs escrow agent#

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$$# ,pon receipt of the final payment at escrow agent account/ within seven (A) days/ the issuing "ank will send hard copy B documents to BuyerMs "ank "y courier# $'# If escrow agent does not receive the final payment within the two (') "ank days/ the issuing "ank will void the B # )eller will close the transaction and pursue the one percent ($&) default payment# $5# 4ny unauthorized calls "y any party or its representative lawyers to pro"e or communicate in an improper way to "ank(s) in this transaction shall "e prohi"ited and contract terminated#

E67IBIT B FIRST TIME BUYERS AND RE*EAT BUYER SUMMARY

Fi%st Time Bu&e%

$# B 2ace 4mount (.I*)1 '# B 2ace 4mount (.4;)1 5# .a0imum @eekly B

Issues 4llotment1

Re+eat - *%e,e%%e$ Bu&e% '8 .illion 8 Billion $8 Billion -er Issuing Bank $%% .illion or 8%% .illion B)B+ F <ondon )tandard +hartered( <ondon ,B) ( Gurich 9'& I . 0

9# .ost +ommon Issued B

2ace 4mounts1

8# B Issuing Banks1 :# B -urchase -rice (& of

2ace 3alue)1

A# -ricing !0ample1 =# B +urrency Issues1 J# 4dvance Bank

+ommitment 2ee1 $%# 4mount of 4dvance +ommitment 2ee & of 2ace 3alue)1 $$# !0ample of 4dvance +ommitment 2ee ($%% .illion 0 %#%%58 or %#%%'8)1 $'# B 4ge (Types)1 $5# Issue -eriod (6uration) $9# !0tensions Q 7enewals1

./0: "##M9 !10: !M:11M $%% .illion B 0 9=& I $%% .illion B 0 9' I ./ .illion -rice . .illion -rice -referred1 !,7 and ,)6 *one Pes $

$8# Interest +oupon1 $:# B Issue <anguage1 $A# 6elivery .ethods1 $=# Tranche -urchase
4greements 4llowed1

B)B+Q,B)1 nQa %#%%58& )tandard1 %#%%'8& B)B+Q,B)1 nQa 58%/%%%#%% )tandard1 '8%/%%%#%% 2resh +ut (2+) and )lightly )easoned ())) ' $(Pear and $(6ay Pes# +an !0tend ,p To 9 4dditional $(Pear and $(6ay -eriods (Total 8(years) *one# *o Interest# )tandard Bank <anguage 5 !lectronically through 6T++Q!uro+lear/ or )@I2T 3erification and 6elivery to BuyerMs "ankQ Issuing Bank )ends Bard +opy By +ourier# *o 2irm 2i0 -rice for $'(.onths 8 Bank 6ays ' to 5 Bank 6ays

$J# B -rice uarantee1 '%# *ormal )ettlement Time

$ 4dvance Bank +ommitment 2ee1 This amount is required "y the issuing "ank and is paid to
the "ankMs escrow agent# If the Buyer fails to settle the transaction/ the Buyer forfeits this fee#

' B 4ge1 B delivered with "etween 8 and $8 days since original issue date# 5 B Issue <anguage1 4dditional language can "e added as requested#
9 +onsultant 2ees1 -aid inclusive and split 8%Q8% BuyQ)ell

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(>rder to 6elivery)1

(+ompliance 7equired)

(*on(!lectronic 6elivery)