### Mid Term Note (MTN) Monetization

#### INSTRUMENT & SERVICE DESCRIPTION:

Complete Recourse Loan & Non-Recourse Loan Monetization of Mid Term Note (MTN) for the intention of Project Funding.

Our clients are never requested to deposit money for monetization with The Reliance Capital Finance Limited “upfront” – we are compensated on the “back end” of the transaction, which means we are paid on “performance,” which is tied directly to the Agreement between the client and the Reliance Capital Finance Limited.

We monetize your instruments by giving you a Loan that our group can negotiate through careful negotiations with an attorney-trustee office. This is a loan that you will very seldom have to pay back, and if you do end up having payments, they will be at a low rate. Our clients will receive their funds from an attorney trust bank account with a legal opinion so our clients won’t have to deal with problems on releasing their funds with their local banks.

**There are 4 Monetizations that We Utilize:**

1. **Euroclear** – The Euroclear process is extremely fast, and the best part is there are no SWIFT fees. Euroclear is one of the most established financial transaction networks globally and was founded by JP Morgan in 1968.

2. **Bank SWIFT** – This (BG) is delivered between the two banks through SWIFT MT799 and SWIFT MT760.

3. **DTCC** – The Depository Trust and Clearing Corporation issues BGs that we accept. Again, through this process, there are no SWIFT fees, and this company was founded in 1999 and is seen as one of the leaders in the industry.

4. **Bloomberg** – The Bloomberg process is extremely fast, and there are no SWIFT fees. Bloomberg was founded in 1981 and is one of the most established financial transaction networks in the world.

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### Reliance Capital Finance Limited Monetization Services

Reliance Capital Finance Limited Monetization services are ideal for clients looking to Discount, Monetize, or create an immediate Non-Recourse loan against a Mid Term Note (MTN) that they own. The Monetization process for Mid Term Note (MTN) issues Non-Recourse funds to the Client shortly after the Mid Term Note (MTN) is delivered to the Monetizer.

**Important:** Our contracts also include the monetizer returning the Mid Term Note (MTN) to the original owner or issuing bank 15 days before the Mid Term Note (MTN) expiration or after 1 calendar year (whichever the client prefers). We can also complete the Mid Term Note (MTN) transaction using Screen, Block, and Pay on the Euroclear or SWIFT Networks if requested by the client.

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### Monetization LTV for Non-Recourse and Recourse Loans

| Loan Type | Loan to Value (LTV) | Details |

|—|—|—|

| **Non-Recourse Loan** | 65% | For a Mid Term Note (MTN) of 10M to 500M – 65% Non-Recourse Loan with a Rated Bank Instrument. |

| **Recourse Loan** | 80% | For a Mid Term Note (MTN) of 10M to 500M – 80% Recourse Loan with a Rated Bank Instrument. This loan has an interest rate between 2% to 7.5% per annum and can span up to ten years in length. |

**Note:** 5% commission is paid on Non-Recourse and Recourse Loans. Our corporation doesn’t monetize bank instruments from Non-Rated Banks.

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### Estimated Completion Time:

– 7 to 14 days after all documents are signed and verified or 5 to 7 Days After Instrument Delivery on the SWIFT, Euroclear, or DTCC Networks.

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### Loan Disbursement:

1. 21 days after confirmation and authentication of the MT-760, we release the first disbursement (20% of the loan).

2. 30 days after the first disbursement, we release the second disbursement (20% of the loan).

3. The remaining 60% of the loan will be divided into ten (10) months and will be disbursed every 30 days after the second disbursement.

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### Closing Process – SWIFT

1. After the execution of the monetization contract by both parties, the Client will instruct his bank to send SWIFT MT799 to the bank coordinates provided by the Monetizer.

2. After receiving the SWIFT MT799 from the client’s bank, the Monetizer’s bank will reply with a SWIFT MT799 RWA to received.

3. On receipt of the Monetizer bank, SWIFT MT799, the Client bank will deliver the Mid Term Note (MTN) by SWIFT MT760 to the Monetizer bank.

4. Upon receipt, confirmation, and delivery of the SWIFT MT760, the Monetizer will, within a maximum of seven (7) banking days, grant a Non-Recourse Loan for the LTV as agreed from its nominated bank to the Client.

5. The Monetizer agrees to return the Mid Term Note (MTN) unencumbered fifteen (15) calendar days before the 1st anniversary of the signed contract between the parties.

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### Closing Process – Euroclear & Bloomberg:

1. After executing the monetization contract by both parties, the Client will instruct his bank to assign the Mid Term Note (MTN) using FREE Euroclear Delivery to the bank coordinates provided by the Monetizer.

2. The Clients Banker shall immediately email a certified Euroclear execution receipt of the Mid Term Note (MTN) delivery to the Monetizer.

3. Upon receipt and confirmation of the Euroclear assignment and delivery, the Monetizer will, within a maximum of seven (7) banking days, grant a Non-Recourse Loan for the LTV as agreed from its nominated bank to the Client.

4. The Monetizer agrees to return the Mid Term Note (MTN) unencumbered fifteen (15) calendar days before the 1st anniversary of the signed contract between the parties.

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### Required Documents:

1. Download the Bank Instrument Monetization Application Below

2. Complete all pages of the Bank Instrument Monetization Application and email it to helpdesk@reliancecapitalfinancelimited.com

### Compliance Standard:

1. **Accepted Standard:** The Bank Instrument **MUST** be from a Rated Bank and Delivered by SWIFT, Euroclear, Bloomberg, or DTCC.

2. **Rejected Standard:** Any Bank Instrument from our Forbidden Assets and Financial Instrument Providers List.

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### Important Information:

1. **Please note that the days are banking days, and weekends or holidays are counted.**  

   – Banking Days & Holidays Calculator  

2. With our bank instruments monetization services, everything is non-negotiable. We will not alter the procedures of this service.  

3. We don’t issue **RWA** or **BCL** letters. Clients normally use this tactic to shop around for a bank instrument with a provider institution with a banking letter confirming there is a credit line ready to incentivize the provider to send a bank instrument on their behalf. We will never allow this to happen under our company name.

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### Recourse Loan Disbursements Example (100 Million Euros):

Bank Instrument Face Value: €100,000,000.00

Recourse Loan Disbursement (80%): €80,000,000.00

Loan Commission Fees (5%): €4,000,000.00 

Total Loan Disbursement: €76,000,000.00

### Example of Recourse Loan Disbursement Schedule:

Disbursement	Amount in Euros	Details
Loan 1st Disbursement	€15,200,000.00	20% of the loan in 21 days after receipt and authentication of the SWIFT.
Loan 2nd Disbursement	€15,200,000.00	20% of the loan 30 days after the 1st disbursement.
Loan 3rd Disbursement	€4,560,000.00	30 days after the 2nd disbursement.
Loan 4th Disbursement	€4,560,000.00	30 days after the 3rd disbursement.
Loan 5th Disbursement	€4,560,000.00	30 days after the 4th disbursement.
Loan 6th Disbursement	€4,560,000.00	30 days after the 5th disbursement.
Loan 7th Disbursement	€4,560,000.00	30 days after the 6th disbursement.
Loan 8th Disbursement	€4,560,000.00	30 days after the 7th disbursement.
Loan 9th Disbursement	€4,560,000.00	30 days after the 8th disbursement.
Loan 10th Disbursement	€4,560,000.00	30 days after the 9th disbursement.
Loan 11th Disbursement	€4,560,000.00	30 days after the 10th disbursement.
Loan 12th Disbursement	€4,560,000.00	30 days after the 11th disbursement.

### Non-Recourse Loan Disbursements Example (100 Million Euros):

Bank Instrument Face Value: €100,000,000.00

Non-Recourse Loan Disbursement (65%):  €65,000,000.00

Loan Commission Fees (5%): €3,250,000.00

Total Loan Disbursement: €61,750,000.00

### Example of Non-Recourse Loan Disbursement Schedule:

Disbursement	Amount in Euros	Details
Loan 1st Disbursement	€12,350,000.00	20% of the loan in 21 days after receipt and authentication of the SWIFT.
Loan 2nd Disbursement	€12,350,000.00	20% of the loan 30 days after the 1st disbursement.
Loan 3rd Disbursement	€3,705,000.00	30 days after the 2nd disbursement.
Loan 4th Disbursement	€3,705,000.00	30 days after the 3rd disbursement.
Loan 5th Disbursement	€3,705,000.00	30 days after the 4th disbursement.
Loan 6th Disbursement	€3,705,000.00	30 days after the 5th disbursement.
Loan 7th Disbursement	€3,705,000.00	30 days after the 6th disbursement.
Loan 8th Disbursement	€3,705,000.00	30 days after the 7th disbursement.
Loan 9th Disbursement	€3,705,000.00	30 days after the 8th disbursement.
Loan 10th Disbursement	€3,705,000.00	30 days after the 9th disbursement.
Loan 11th Disbursement	€3,705,000.00	30 days after the 10th disbursement.
Loan 12th Disbursement	€3,705,000.00	30 days after the 11th disbursement.