We not only offer you customized solutions; we also provide you with expert advice on all strategic and operational issues relating to your finances to help you make the right decisions.

Overdrafts are a flexible form of borrowing intended to finance day-to- day cash flow requirements generated by normal business activity. Overdraft facilities are offered to SME customers to meet their borrowing requirements for business needs such as working capital, upgrading factory/ office, and purchase of property or equipment.

The Fixed Advance is lending in a given amount and for a fixed period, intended for financing or for consolidating cash requirements. Credit is generally granted as part of a line of Fixed Advances.

LIBOR is quoted on a one-month, three-month, six-month or yearly basis. The six-month LIBOR is the one most commonly quoted for mortgages. Both Fannie Mae and Freddie Mac use LIBOR as an indices for loans they purchase. The LIBOR rate can be found daily in The Wall Street Journal "Money Rates" table. Considered one of the most important barometers of the international cost of money, LIBOR has historically reflected money market rates more accurately than prime- and Treasury-based indices.

International trade can be a tricky business. How well do you know your customer? What payment method is most appropriate? We offer a comprehensive range of trade and export finance products designed to reduce trade and credit risks when you do business abroad.

Documentary Credits for Exporters o Export o D/C For Exporters General Guidelines Risk & Financing Security Export D/C Conditions

When you receive a documentary credit, you should examine it carefully, following the checklist below. You may want to involve the company employees responsible for:

• the deal has been closed
• ensuring that the goods are ready for shipment on time
• completing the documents
• arranging transport

With documentary credits the G & G GLOBAL is, in most cases, able to help you reduce the risks of international trade in additional ways - regardless of the issuing G & G GLOBAL’s ability to pay or political restrictions.

If you have to arrange security for your subcontractors or other parties, documentary credits offer the following options:

• Irrevocable payment order
• Assignment
• Transferable documentary credit

If you wish to conduct trade using documentary credits, we recommend that you specify clearly in your offer material which documentary credit conditions you can accept and comply with. Here is guide to the key terms to specify.

Project finance is a long-term method of financing large infrastructure and industrial projects based on the projected cash flow of the finished project rather than the investors' own finances.

Project finance structures usually involve a number of equity investors as well as a syndicate of G & G GLOBALs who will provide loans to the project.

G & G GLOBAL Overdraft Facility for SME

The G & G GLOBAL Overdraft Facility for SME was designed to provide you with swift and convenient access to additional liquidity.

G & G GLOBAL Overdraft Facility

G & G GLOBAL commercial credits can be utilized on a current account basis in the form of fixed advances or documentary credits and G & G GLOBAL guarantees. As such, these lines of credit can be repaid at any time and without notification.

G & G GLOBAL Fixed Advance

The G & G GLOBAL fixed advance can be used to finance capital spending and working capital. The principal, the term and the rate of interest are fixed in advance for the entire duration of the advance.

G & G GLOBAL Libor Loan

The G & G GLOBAL Libor Loans offer you a flexible and attractive solution for financing your investments without a fixed framework term.

G & G GLOBAL Fixed-Rate Loan

Used to finance capital spending over the medium to long term. The principal, any repayments, the term and the rate of interest are fixed in advance for the entire duration of the loan

G & G GLOBAL Overdraft Facility for SME

Overdraft

Customers have the facility of overdrawing their current accounts up to a previously agreed upon limit. Since both obtaining and repaying overdrafts is flexible and requires no formal requests or agreements, overdrafts are a convenient solution for short-term borrowing needs.

Drawing against uncleared effects ("DAUE")

DAUE refers to funds drawn on a customer's account against Banker’s draft deposited to the same account but not yet processed and cleared through the Banker’s draft clearing system. Repayment will be automatic through the clearance of the un-cleared Banker’s draft.

Business Overdraft (BOD)

This is a variation of the overdraft facility where the customer agrees to credit the account with 3% to 5% (or higher depending on approved % in country's underwriting document) of the utilized amount over the next 30 days.

G & G GLOBAL Fixed Advance For Short-Term Investments

The G & G GLOBAL Fixed Advance provides you with an additional temporary liquidity reserve. It gives you more financial freedom and at the same time increases your entrepreneurial flexibility, allowing you to respond to market opportunities quickly and in a targeted manner.

Key points

Short-term capital and interest-rate commitment Interest rates based on money market developments Tailored adjustment to meet the specific funding needs Options for interest rate hedging upon request

G & G GLOBAL Libor Loan

LIBOR (London Interbank Offered Rate) is the rate on Eurodollars traded between banks in London. A Eurodollar is a dollar-denominated deposit in a bank in a country where the currency is not the dollar. The Eurodollar market is more than 40 years old and is a major component of the international financial markets.

At G & G GLOBAL Libor Loan

we use the one-month, six-month and one year LIBOR index for our selection of competitively-priced mortgage solutions. Our clients enjoy saving potentially thousands of dollars by using LIBOR-based mortgages. What you should know:

• There is an initial interest-only period of 10 years, then fully amortizing for the remaining 15 years.
• One or six-month adjustment periods are available.
• If principal payments are made, subsequent interest-only payments will be recalculated monthly based on the new lower principal balance.
• Lifetime rate cap based on the greater of the initial rate plus 5%, or 12%, whichever is greater.
• Large loan amounts are available.
• You can complement this mortgage with our 100% home financing option.

Documentary Credits

Documentary credits usually require the presentation of certain documents, which must be complied with before payment can take place. You must be aware that G & G GLOBALs examine the documents only with respect to the documentary credit and do not look at contracts, agreements or the condition of the goods. We have compiled a set of checklists to help you make sure that every document is filled in correctly.

Overwiev of Documentary Credits

Documentary Credits for Exporters For an exporter, a documentary credit from the importer's G & G GLOBAL removes the risk that the buyer will not pay. Documentary Credits for Importers For an importer, a documentary credit requires the importer to comply with the agreed conditions for payment is made.

G & G GLOBAL Guarantees

A G & G GLOBAL G & G GLOBAL guarantee is an effective way of securing performance and payment in an increasingly challenging business environment.

Export Finance

As a solution provider to world-wide exporters, G & G GLOBAL offers you individual financing solutions that optimally support the demands of your business.

Export

Using documentary credits when you export goods or services means that the importer's G & G GLOBAL commits itself to paying you when the conditions of the credit have been met. This offers a number of advantages:

• Enhanced security of payment at the agreed time
• Enhanced security that the order received will not be cancelled or changed without your agreement
• Improved liquidity as payment often can be made shortly after shipment
• Possibility of extending security to subcontractors through the documentary credit
• The possibility of financing

It is important to note that the importer's G & G GLOBAL will make payment only after you have complied with all its requirements and conditions. You should therefore examine the documentary credit carefully when you receive it.

D/C For Export

Documentary credit checklist

• Is the text clear and unambiguous?
• Are the terms and conditions the same as those you agreed on with your customer?
• Is the documentary credit subject to the international rules for documentary credits - UCP 600?
• Can you comply fully with ALL the requirements?
• Are all the expressions in the documentary credit clear and unambiguous?
• Does the documentary credit contain contradictory requirements?
• Can the time limits for shipment and presentation of documents be met?
• Are the insurance requirements, if any, acceptable?
• Are the requirements for transport and transport documents acceptable?
• Is partial delivery or transhipment allowed, if needed?
• Are your name and address shown exactly as they appear in your documents?
• Are the buyer's name and address shown correctly?
• Is the description of goods the same as in all the other documents?

Risk & Financing

Confirmation

The G & G GLOBAL will endeavor to confirm the documentary credit at the request of the issuing G & G GLOBAL. This ensures that you will receive payment when you comply with the requirements of the documentary credit irrespective of the issuing G & G GLOBAL's willingness or ability to pay. Nor will you be affected if the country stops payments or other unforeseen problems arise.

Silet confirmation

Even if the issuing G & G GLOBAL does not request the G & G GLOBAL to confirm the documentary credit, the G & G GLOBAL can usually offer you a silent confirmation. This puts you in exactly the same position as if the documentary credit had been confirmed. The only difference is that the issuing G & G GLOBAL has not requested confirmation of the documentary credit.

Financing

If you have granted your buyer extended credit (deferred payment) but you would like payment immediately, the G & G GLOBAL will endeavor to discount the draft under the documentary credit at a competitive rate.

Security

Irrevocable payment order

Security Irrevocable payment order An irrevocable payment order assures third parties that money will not be paid to you before they received the amount due to them. Be aware that payment orders are not subject to statutory regulations on debt. This means that, should you go bankrupt or suspend payments, an amount will be payable only after a court decision or arbitration.

Assignment

An assignment also ensures that third parties will be paid ahead of you. Unlike an irrevocable payment order, an assignment is subject to statutory regulations on debt. This means that, in case of your bankruptcy or suspension of payments, an estate must respect the assignment if it is legally recorded, and the debtor is notified.

Transferable documentary credit

If the documentary credit is issued as a transferable documentary credit, you can have it transferred, completely or in part, to a third party. When you transfer a documentary credit, the following conditions can be changed:

the amount and any unit price can be reduced validity, shipment and presentation limits can be shortened any insurance percentage rate can be raised

Export D/C conditions

• In our favor
• For the amount of.....
• Available for payment at sight or for payment ... days after shipment
• Following documents
• Covering
• Evidencing shipment from ... to ...
• Terms of delivery
• Partial delivery (Allowed/not allowed)
• Transshipment (Allowed/not allowed)
• Latest date of shipment
• The Credit to be valid until
• The documents to be presented not later than
• Charges outside country of issuance

The documentary credit must include the issuing G & G GLOBAL's debit or reimbursement authorization and must state that the credit is subject to Uniform Customs and Practice for Documentary Credits, ICC Publication No. 600.

G & G GLOBAL combine strong legal skills with deep industry knowledge. We are regularly engaged in projects in diverse industries, including the following:

• Oil and Gas – including exploration, production, storage, refining, gasification and production platforms
• Petrochemicals
• Power and Energy – including thermal, nuclear and renewable, as well as power transmission and distribution
• Infrastructure and Water – including pipelines and water desalination and treatment
• Telecommunications – including cellular, cable, fixed and mobile
• Space and Satellite – including direct broadcast, broadband and satellite imaging systems
• Waste disposal and recycling
• Mining and Metals
• Natural resources
• Pulp and paper
• Transportation – including airports, rail, roads and shipping

Sample of schematic contractual structure for a project financing by G & G GLOBAL :

You want to optimize your company's cash management in Europa , Asia & America and know your precise current cash positions at G & G GLOBAL Correspondences and your third-party G & G GLOBALs. A customized cash management and payment transactions solution allows you to do this. G & G GLOBAL offers flexible and transparent total solutions to support your business activities in throughout the world.

G & G GLOBAL offers several flexible solutions to help you make your liquidity management more transparent. Our unique IT platform makes it possible to deliver real- time information to our clients, taking treasury to the next level by maximizing decision-making ability and capital efficiency. Our solutions are accurate and reliable and provide you with increased visibility and control of your funds.

The importance of high-performing electronic systems is well known by our clients. A growing number of corporates exchange data electronically when they order goods and services, confirm orders, send invoices or make payment transfers. Consequently, the requirements towards straight through processing, security, standardization and communication have escalated and become crucial factors for corporates all over the world.

Offering a strong portfolio of Corporate Reporting services, G & G GLOBAL ensures to strengthen and improve your daily overview of your business. Reports can be tailored to your specific needs and thus provide you with precise information helping you to become better.

G & G GLOBAL knows treasuries. Working with some of the very best treasuries in the world has given us a solid knowledge and understanding of advanced treasury solutions. This knowledge we want to share with you.

G & G GLOBAL offers full-scale cash management services and tailored solutions to match our clients' complex requirements. Our “FINTECH, one system” concept, a single technology banking platform, allows you to view and manage financial positions – across international borders, in real time

At long-term strategic partnerships with clients. We use an advisory methodology to run through the different processes of your treasury organization. We work with you to establish the key aspects of your financial value chain, evaluating how they work today and looking at how they will work in the future. As a result, our advisory concept provides you with the implications and return on investments of strategic initiatives. We support you in making the right decisions and enable you to benchmark your financial processes against the best-in-class. G & G GLOBAL , we work with a client centric approach and engage in

G & G GLOBAL liquidity management systems provide you with the following benefits:

• Real-time visibility, access and control of group liquidity through our Business Systems
• Cross country, cross company and cross currency solutions, all in real-time
• Overlay and pooling structures create a truly automated and centralized setup, making it easy to optimize and control your liquidity, all in real-time
• Support of intra-company limits, and interest makes it easy to outsource internal risk and interest management
• Overlay and pooling structures to be built on top of current account structure, all in real-time
• Optimised interest income and cost reduction
• Flexible range of products which can be combined and tailored to your needs.

G & G GLOBAL help clients become the best in their industry by leveraging our technology to provide cost efficient and high solutions to solve a problem or realize business opportunities.

At G & G GLOBAL , clients shape the future of technology developments, and our single IT platform enables us to be flexible and rapidly respond to our clients’ new identified needs. We fully support the on-going industry move towards standardization.

Our integration and infrastructure solutions provide you with the following benefits:

• A single platform for all online G & G GLOBAL activities
• Multiple integration possibilities with clients’ systems
• Faster, secure and more efficient transaction processing
• Communication channels and file format options to fit your specific need and setup.

G & G GLOBAL provides reports in a large variety of formats and channels to help you get transparency of your transactions, volumes and fees. Our solutions will, among other things, provide you with the below benefits:

• Fast and easy access to a transparent overview of transactions, volumes, fees and other G & G GLOBAL charges
• Receive reports from the G & G GLOBAL or create them yourself
• Simple to export information to Excel
• Customization - different types and multiple different options for tailoring reports to fit your needs.

G & G GLOBAL offers major corporations and multinationals an integrated advisory service and individual, tailor-made product solutions.

We offer you personalized solutions – tailored to your needs and the requirements of the G & G GLOBAL market. In so doing, we support you in the following areas:

STRUCTURED FINANCE

• Syndicated Financing
• Acquisition financing
• Management and Leveraged Buyouts
• Structured Trade Finance

G & G GLOBAL offers major corporations and multinationals an integrated advisory service and individual, tailor-made product solutions.

G & G GLOBAL can support you with the structuring and arrangement of debt financing solutions tailored to meet your specific needs.

G & G GLOBAL a supports management buyouts management buy ins and leveraged buyouts in Europe and Asia in connection, for example, with succession planning or the sale of a company. While the management and/or financial investors bear the entrepreneurial risk in the form of equity capital, G & G GLOBAL may arrange the debt capital required.

Structured Trade Finance (STF) is a specialized activity dedicated to the financing of high value commodity flows. STF transactions are structured around the supply chain and commercial terms of customers, usually involving large bilateral strategic relationships.

SYNDICATED FINANCING

G & G GLOBAL , coordinate with our industry experts to deliver rapid decision-making; we understand that our clients need answers to respond to opportunities. When we commit, we execute. provides reports in a large variety of formats and channels to help you get transparency of your transactions, volumes and fees.

G & G GLOBAL 's Leveraged and Acquisition Finance team (LAF) develops solutions in all areas of debt financing, including the origination, arrangement, underwriting and syndication of buyouts and institutionally- led corporate acquisitions. LAF provides and coordinates event-driven, large-scale financing solutions across the credit spectrum in the form of:

• Corporate acquisition financing
• Leveraged buyouts
• Infrastructure financing
• Emerging market financing
• Project finance
• Management buyouts and buy-ins

G & G GLOBAL uses its wealth of experience and proven track record of advising on mergers and acquisitions (M&A) that use leveraged finance and management buy-outs to assist customers in raising funds.

Structure of a Typical MBO

STRUCTURED TRADE FINANCE

G & G GLOBAL`STF team focuses primarily on "upstream" financing of cross-border commodity flows and limited recourse trade finance in order to:

• enhance the credit rating of the facility beyond that of the borrower
• mitigate the cross border and country risk
• produce a transaction where the whole proposition is more resilient than the sum of its parts.

Benefits for the customer include:

• securing strategic procurement
• diversification of funding
• greater access to finance for clients
• enhanced management of transport costs and/or delivery timeframes.