ACAY CORP PRESENTACION INGLES

2 PROJECT FINANCE ACAY CORP ORIGIN AND MANAGEMENT ACAY CORP is a Manager and marketer of funds of private international origin. We carry out sale and monetization of different interest rates financial market instruments. We distribute financing transactions, under the concept of Project Finance, with interest of market rates, and companies with long-term amortisation, tailored to the client and their business plan.

3 ACAY HOLDING PROJECT FINANCE It is the underlying basic and essential We need a good project with it’s well presented business plan and a convincing EBITDA, that will allow us to make the annual payment of interest and make reservations to be able to pay off the principal An experienced and entrepreneurial team will lead the project. Contractual warranties will be shares of the company and the ownership of the project during the financing time.

4 ACAY HOLDING ACTORS OF THE OPERATION Manager, insurance, bank managers and Acay Holding. Manager channels funds to banks managers, dealing with the sign of the loan operation and manage it while it lasts. We work with TOP 20 and Triple A banks. Manager analyses, manages, organises and supervises the operations, and takes a risk to them. ACAY HOLDING sells and maintains relationships with customers.

5 ACAY HOLDING FEATURES OF THE OPERATION TERM Depending on administrators banks, the duration of the agreements varies between 15 and 22 years.  The signing of these operations takes place in agreed banks

6 ACAY HOLDING FEATURES OF THE OPERATION AMORTIZATION It is the bullet, at the end of the period. In the  D.B. case  is at the end of the 18 years.  It is possible to make partial or total redemption's seven years after  at least since the signing. In the event of total or partial redemption's, must pay all of the interests of the year in course, regardless date being carried out between amortisation anniversaries dates.  We must propose an annual plan of accounting reserve, in parallel to the business plan, which will allow us to check the progress of the project and will be considered And that they are considering to have 50-60% until you proceed to the final amortisation. These reserves are part of the accounts of the company and allow  liquidity, or use them as collateral for whatever is needed.

7 ACAY HOLDING FEATURES OF THE OPERATION INTERESTS RATES They depend on the volume and the risk of the operation. They range between 1.25 and 3%. They are fixed throughout the life of the operation. Interests are paid annually, on the anniversary date, in the same account in which the loan was deposit.

8 ACAY HOLDING FEATURES OF THE OPERATIONS SIGNATURE AND BAIL TERMS Around three months since signing the inter mediation Contract , provided that the business plan is delivered within a period up to 15 days after the signing.  Bail is a guarantee deposit paid at the time of the signing of the contract of inter mediation.  It collects all the expenses inherent to the operation: monetization, analysis, assurance, notary, possible translations, travels to the firm.  It is 1.5 per thousand of the amount requested, up to EUR 100 MM, with reduction above this figure. In the event that the operation does not reach fruition, the return of the deposit is guaranteed by a pay, except withdrawal by the customer. 

9 ACAY HOLDING FEATURES OF THE OPERATION OPENING COMISSION It is the commissions brokers receive for successfully finishing the operation. It is only charged if the loan is signed  It is billed and charged at the same event of the signing of the loan. Is equivalent to 1.5% of the loan amount. It is payed by transfer of the account receiving the loan.

10 ACAY HOLDING ANALYSIS AND ACEPTATION I Business Plan II Analysis Preparation and referral of the business plan of the project that Our Department of analysis at the London-based fund you want to finance. management company, will analyse the business plan, and may request extra information a) Brief description of the company. b) Literary description of the project. III Acceptance c) Financial and economical model (Excel), with explanation of Acceptance is communicated by postal mail. In the document that is the highlights, including the effect of interest payments, the sent, are the steps that must be follow next. accounting reserve and depreciation. . d) Proposal of guarantees to deposit in the signing ceremony.

ACAY HOLDING 11 APPLICATION II Intermediation contract PROCEDURE Is the signed contract between Acay Holding and the client. The I Letter of request and reservation of funds contract lists the details of the operation:  Parts, project that wants to finance, operation features, deadlines, and Applicants must submit a letter to ACAY HOLDING, requesting the procedures.  operation and also fulfilling the items requested below: III Bail deposit • Applicant company. • Name of the project that you want to finance. This is done by express transfer to  ACAY holding. It is necessary to • Amount requested. send copies to ACAY CORP email.  • Person authorized to sign. • Features of operation offered.  IV Repay • Bail deposit. The corresponding repay document is issued as as collateral for the bond. 

12 ACAY HOLDING ARRANGEMENT FEE SIGNATURE availability of the writings of incorporation of the company, with PROCEDURES the Apostille of the Hague and translation certified and authenticated to the English, if necessary.  DOCUMENTATION ATTORNEYS FOR THE FIRM DOCUMENTATION Writing or legal documentation authenticated with the attorneys for the firm on behalf of all the shareholders of the company.  GUARANTEES DOCUMENTATION Clerks of actions for your pledge or other documents of ownership of the project (well active, supply contract, concession). 

13 ACAY HOLDING SCANNING SIGNATURE Once arranged all the documentation, the client must have PROCEDURES prepared all the original documentation, after having sent in digital format to be able to check that it is complete and is coherent. CITATION AND DOCUMENTATION LEGALISATION All documentation is submitted to the institutions responsible for its legalisation. Central bank of the country where the signature is taking place,  insurance and Bank Manager. COMPLIANCE  documentation of the corresponding operation it is also prepared FIRMA In accordance with banking officer and the notary that correspond, determines the date of signature. The letter of summons for such signature is issued then. It specifies the place, date, time, and contact person. Also relates the documentation that must be provided. 

14 ACAY HOLDING PARTICIPATION AND ACCEPTANCE OF THE CONTRACT SIGNATURE The procedure involves the client and his advisers, banking officer, PROCEDURES the managing agent, a representative of ACAY CORP, and notary SIGNING OF CONTRACTS Once read and accepted the contracts procedures will continue with: • Opening bank account. • Contract of loan with the Bank. • Contract of guarantees with the manager. • Payment of bail, which becomes the operation expenditure.  • Payment of opening commission by transfer. NEGOTIATION Subsequently, is responsibility of the client the negotiation with the bank, in order to acquire products and services needed,  as well as the cost that is loaded by the operations. 

15 ACAY HOLDING DURING THE HOLE OPERATION Inmediately after signing the contract, the client should proceed to legally acquire the warranties in their country and to register in the appropriate oficial books. During the whole duration of the loan it is necessary to inform us about any event that could modify the social structure, important business events, changes of permanent address, etc. An audit will be generated annually, witch will be based on three points: • Description of the progress of the activity, events and important figures. • Justification that the grounds for the loan are being invested in the project that was accepted. • Following of the annual accountability reservers of their endowment.

ACAY CORP CALLE ALCALÁ 79, 28009, MADRID , SPAIN