The Interface Financial Group

1. The Interface Financial Group

2. The Interface Financial Group “We Provide Working Capital To Business”

3. Who Is The Interface Financial Group • The Interface Financial Group (IFG) has been in business for over 32 years • IFG currently has 146 independently-owned offices throughout the United States and Canada • In 2004 IFG entered the international market with operations in New Zealand and is expecting more international growth • IFG now has NZ offices in Auckland, Christchurch, Wellington, New Plymouth, Hamilton, Tauranga & Queenstown and has recently added more. • Operations are being established in Sydney

4. What We Do • IFG provides short term working capital (cash flow) for growing small businesses in the B2B market • Target market – small under capitalised growing companies whose funding needs are outside their bank’s criteria • IFG purchases invoices at a discount on an as-required basis – Invoice Discounting • Our clients get the cash up-front, IFG takes over the remaining term of the receivable • IFG clients come through referral sources, such as financial advisors, banks, brokers, factors, and direct sources

5. What IFG Does Not Do • IFG is not a collection agency • IFG is not a lender of money • IFG does not buy bad debts • IFG does not factor or manage receivables

6. The Interface Process • IFG purchases selected invoices to the level of working capital required by the client • Clients get 90% cash up-front and IFG takes over the waiting period on receivables, usually 45 days or less • The clients customer pays Interface direct on the due date • Cost to client – from 4% of the value of the invoices actually funded. No establishment cost.

7. IFG Requirements • Initial IFG Application • Terms and Conditions outlining how transactions will be handled • Personal Guarantees • Receipt and Acknowledgement of signed Customer confirmation of invoice/s prior to funding • Time – first funding 2-3 days. Repeat transactions – normally same day

8. Benefits of IFG Invoice Discounting to Client • There are no add-on fees or establishment charges, monthly volume requirements or term requirements • Client is in control of process - they can use the service as they need it to meet specific cash flow needs • Client is in control of the cost by offering invoices that will be paid sooner rather than later, thus reducing their cost • Client receives 90% of invoice value once funding is approved

9. Benefits of IFG Invoice Discounting to Bank • Customer retention. Proven in other locations! • Bank refers client. IFG is able to undertake funding as approach is not based on a lending formula – rather an invoice buy/sell transaction • Successful referral to IFG will lock Customer into the Bank • Working with IFG will assist Customer’s financial strength • In time Bank will be able to take over funding from IFG based on its normal lending formula • IFG continues referral relationship with bank to assist other bank customers

10. Client Profile • Start-up companies, to companies in business many years • Cash requirements from $3,000 upwards on a one-time or monthly basis • Requiring IFG services from 1-15 months (average is 9 months) • All industry sectors acceptable

11. Types of Clients • Construction sub-contractors • Out sourcing and employment firms • Manufacturers • Logging & Forestry • Trucking and Transportation • Business consultants • Advertising agencies • Publishers • … and many more

12. Bank and IFG Partnership • IFG believes there is a synergy with the Bank • Both companies are servicing the same small business market • There is good potential to succeed together • Customer never leaves the banking relationship

13. Partnership • Develop a strong working relationship • Helping customers grow • Communicate regularly in order to improve the opportunities • Everyone wins!

14. Contact Information The Interface Financial Group Keith Tullett Director ktullett@interfacefinancial.com