Welcome to Philip Financial Management Limited

1. SBLC ON EUROCLEAR;  DIRECT SBLC/BG

2. DLC

3. RWA

4. EUROCLEAR

THE FOLLOWING ARE OUR LISTED BANK INSTRUMENTS PROCEDURE

Description of Instrument:

Text Box: 5 BILLION EUR (FIVE BILLION EURO)1. Instrument:                   Bank Guarantee/Stand-By Letter of Credit (BG/SBLC)

2. Total Face Value:        

Text Box: BARCLAYS BANK PLC3. Issuing Bank:

4. Age:                                  One Year and One Day

5. LEASE Price:                   6+2%+of Face Value package.

6. Delivery:                         MT-760 {Bank-To-Bank Swift}

7. Payment:                       Wire Transfer {Swift MT103}

8. Hard Copy:                     Bonded Courier Service {within three banking days}

LEASE PROCEDURE:

• LESSOR and LESSE execute, sign, and initiate the Deed of Agreement, which thereby automatically becomes a full commercial recourse contract agreement.

• Within Three (03) banking days on receipt of this signed agreement, the LESSEE would pay directly to the LESSOR’s nominated bank account, a  security deposit fee for the amount of £18,850.00 GBP or above, depending on the face value, of which the LESSOR would send a company endorsed payment refund invoice, after which the seller’s bank would swift MT799 pre-advice to LESSE’s receiving bank, on confirmation of the swift MT799 Pre – Advice.

•Within three (03) banking days after confirmation of the MT799 Pre -- Advice, LESSOR’s Bank will issue and deliver BG/SBLC via MT760.

•After receiving and verifying that MT760 (ICC600 or latest version), in 7 – 15 working days, the LESSEE’s bank will release MT103 {Bank to Bank Swift} for the LEASE cost of 6% and 2% commission as in FPA.

• The LESSOR will deliver the hard copy of the BG/SBLC to the LESSEE’s Bank via bank bonded courier in Three (03) banking days.{Bank to Bank Swift}.

Description of Instrument:

Text Box: 5 BILLION EUR (FIVE BILLION EURO)1. Instrument:                   Bank Guarantee/Stand-By Letter of Credit (BG/SBLC)

Text Box: BARCLAYS BANK PLC2. Total Face Value:        

3. Issuing Bank:                

4. Age:                                  One Year and One Day

5. Buying Price:                 38%+2%+of Face Value package.

6. Delivery:                         MT-760 {Bank-To-Bank Swift}

7. Payment:                       Wire Transfer {Swift MT103}

8. Hard Copy:                     Bonded Courier Service {within three banking days}

SALE PROCEDURE:

• Seller and Buyer execute, sign, and initiate the Deed of Agreement, which thereby automatically becomes a full commercial recourse contract agreement.

• Within Three (03) banking days on receipt of this signed agreement, the buyer would pay directly to the seller’s nominated bank account, a security deposit fee for the amount of £18,850 GBP or more depending on the face value, of which the seller would send company endorsed payment refund guarantee, after which the seller’s bank would swift MT799 pre-advice to Buyer’s receiving bank, on confirmation of the swift MT799 Pre – Advice.

•Within three (03) banking days after confirmation of the MT799 Pre -- Advice, Seller’s Bank will issue and deliver BG/SBLC via MT760.

•After receiving and verifying that MT760 (ICC600 or latest version), in 7 – 15 working days, the Buyer’s bank will release MT103 {Bank to Bank Swift} for the Sale cost of 38% and 2% commission as in FPA.

• The Seller will deliver the hard copy of the BG/SBLC to the Buyer’s Bank via bank bonded courier in Three (03) banking days.{Bank to Bank Swift}.

SBLC ON EUROCLEAR PROCEDURE

LEASE PROCEDURE:

• Lessor and Lessee execute, sign and initiate the Deed of Agreement, which thereby automatically becomes a full commercial recourse contract agreement.

•Within Three (03) banking days, the Lessor will issue and reserve BG/SBLC, on Euroclear, in the lessee’s name and send the reservation copies of the EUROCLEAR SCREEN SHORT, to lessee for his bank to verify, after its verification by lease bank.

•Within three (03) banking days after Lessee’s bank confirmation, The Lessee’s Bank pay invoice by swift MT103, direct wire transfer of Euro £100,000 GBP or more according to face value of the BG/SBLC  , as transmission fees to Lessor’s nominated Bank account. Copy of the wire slip will be send by email to Lessor bank for confirmation

•Within three (03) banking days after confirmation of Swift Transmission Fees by direct wire transfer MT-103  in Lessor Bank, Lessor Bank will issue MT799 pre-advice to confirm receiving Bank readiness to receive the BG/SBLC via MT760. After verification of MT799, Lessor’s Bank delivers BG/SBLC via MT760.

•After receiving and verifying that MT760 (ICC600 or latest version), the Lessee’s bank will release MT103 {Bank to Bank Swift} for the balance purchase cost of 6% and 2% commission as in FPA.

• The Lessor will deliver the hard copy of the BG/SBLC to the Lessee’s Bank via bank bonded courier in Three (03) banking days.{Bank to Bank Swift}.

BUYING PROCEDURE:

• Seller and Buyer execute, sign and initiate the Deed of Agreement, which thereby automatically becomes a full commercial recourse contract agreement.

•Within Three (03) banking days, the Seller will issue and  reserve the  BG/SBLC  on Euroclear, in the buyer’s name and send the reservation copies of the EUROCLEAR SCREEN SHORT, to the buyer for his bank to verify, after the verification by the buyer’s bank then.

•Within three (03) banking days after Buyer’s bank confirmation, The Buyer’s Bank sends  the cost of MT799 Pre-Advice  invoice by swift MT103, direct wire transfer of £45,000 GBP  or more,  according to face value of BG/SBLC , as transmission charges to Seller’s nominated Bank account. Copy of the wire slip will be sent by email to Seller for confirmation

•Within three (03) banking days after confirmation of wire transfer in  Seller’s Bank, Seller’s Bank will issue MT799 pre-advice to confirm receiving Bank readiness to receive the BG/SBLC via MT760. After verification of MT799, Seller’s  Bank delivers BG/SBLC via MT760.

•After receiving and verifying that MT760 (ICC600 or latest version), the Buyer’s bank will release MT103 {Bank to Bank Swift} for the balance purchase cost of 38% and 2% commission as in FPA.

• The Seller will deliver the hard copy of the BG/SBLC to the Buyer’s Bank via bank bonded courier in Three (03) banking days.{Bank to Bank Swift}

OUR DLC PROCEDURE

TRANSACTION PROCEDURES

Purchaser submits this agreement, together with passport copy, full text as optional delivery mode of DLC, with receiving bank details

Sender/Provider countersigns this agreement along with full banking coordinates & Passport copy

After both parties have signed this agreement, the Sender/Provider shall send the countersigned copies to the Receiver. Which hereby automatically become a full commercial recourse contract agreement.

The Receiver shall pay direct wire transfer (MT-103) to Seller’s nominated bank account the Mandatory Swift transmissions charges of Twenty-Two Thousand Nine Hundred and Eighty-Five Pounds (£22,985.00) according to the total face value of Documentary Letter of Credit $                                                                                                       . Purchaser can have the amount delivered in tranches if so desired.

Within three (3) banking days upon the receipt/confirmation of Receiver’s payment of the fee (£22,985.00 Pounds), Seller’s bank will transmit Documentary Letter of credit in Receiver’s name,

 Within five (5) banking days upon receipt of Swift MT700, successful Verification, authentication and final confirmation by the Receiver’s bank, Party “A’ agrees to pay by MT103/direct wire transfer the total Documentary Letter of Credit 8.13% of face value to the respective nominated banks accounts of Party “B”/Provider.

Any associated fees payable to intermediaries and consultants are paid simultaneously with the completion of each payment in accordance with the Irrevocable Master Fee Protection Agreement.

The original Hard Copies of the DLC will be delivered via bank bonded courier to the Receiver

2. WE OFFER BUSINESS LOANS / COMMERCIAL LOANS / PROJECT FUNDING OF ANY KIND WORLDWIDE; ESPECIALLY THE FOLLOWING COUNTRIES IN ASIA: CHINA, TAIWAN, MALAYSIA, THAILAND, INDONESIA, VIETNAM, CAMBODIA, HONG KONG, INDIA, PHILIPPINES, SINGAPORE, BANGLADESH ETC

AFRICAN COUNTRIES

SOUTH AMERICAN COUNTRIES

WE OFFER A MINIMUM LOAN AMOUNT OF 1,000,000.00 USD, EUR, GBP

AND MAXIMUM LOAN AMOUNT OF 5,000,000,000.00 USD, EUR, GBP

BUSINESS LOAN TERMS AND CONDITIONS

THE BORROWER MUST PAY IN ADVANCE, THE INSURANCE COVER/SECURITY DEPOSIT FEE, ACCORDING TO THE LOAN AMOUNT THEY SEEK FROM THE LENDER, AND THIS PAYMENT IS NOT DEDUCTIBLE AND ALSO NOT NEGOTIABLE, ALL FEES AND COST MUST BE PAID IN ADVANCE BEFORE ANY LOAN FUNDS ARE DISBURSED TO THE BORROWER BY LENDER.

PROJECT FUNDING TERMS AND CONDITIONS

SMALL / MEDIUM / LARGE

WE OFFER FUNDING FOR ALL TYPE OF PROJECTS IN VARIOUS CATEGORIES.

NOTE THAT ALL PROJECTS REQUIRES A COMPULSORY PHYSICAL INSPECTION AND EVALUATION, BY OUR LOAN INSPECTORS AN VALUERS, BEFORE FUNDS ARE DISBURSED TO THE BORROWER, AND THE COST OF THE INSPECTION VISIT TO THE BORROWER, MUST BE PAID BY THE BORROWER IN ADVANCE, IT IS NOT NEGOTIABLE OR DEDUCTIBLE, THE TRAVEL COST MUST BE PAID DIRECTLY TO THE LENDER'S NOMINATED AGENT ACCOUNT, ALSO THE BORROWER MUST COMPLETE THE LOAN/PROJECT FUNDING DRAFT AGREEMENT AND SEND IT BACK TO THE LENDER FOR PROCESSING AND APPROVAL BEFORE THE PAYMENT OF THE TRAVEL COST BY THE BORROWER.