• Investment is in Investabill™ ETR exclusively where yield is achieved by purchasing assets at a discount
• Coupon/yield paid quarterly, or annually
• Redemption on demand is possible, subject to liquidity, with 75-day average settlement cycle
• Early redemption does not affect yield
• Discretionary investments in any other assets is not permitted
• Interest is fixed income and funds are reinvested on a revolving basis for the duration of the investment period

• Investabill™ ETR are Loans or Bills issued under Contract for goods and services supplied to investment quality* companies or credit insured invoices from Investment Grade [IG] insurers. The Credebt Exchange® Master Agreement ensures credit liability is with the ETR debtor company, or payor of the ETR
• Credebt Exchange® may issue securities or borrow against ETR
• No transaction costs to Investor
• Investment for 1-Year recommended

• Historical data may not be a reliable indication for the future
• Risk category shown is not guaranteed and may shift over time
• The lowest category does not mean ‘risk free’
• Investabill™ ETR are in this category due to low volatility and consistent performance
• Safeguard on Investor funds uses 4-Tier Capital Protection

• Counterparty risk of AIG failure, or refusal, to settle insurance claims
• Investments in Advance ETR/c-ETR purchased by Credebt Exchange on its own account
• Operational risk relating to the safekeeping of assets or funds
• SRRI Value based on 2-Years’ data only

† Synthetic Risk and Reward Indicator [SRRI] value generated in accordance with CESR 10/673. Investabill™ ETR are neither a financial instrument nor an investment instrument and can be compared to Asset Backed Commercial Paper [ABCP]. The SRRI methodology in CESR 10/673 applies to all types of funds that are Undertakings for Collective Investment in Transferable Securities [UCITS]. These open-ended funds trade in many asset classes, such as ABCP, and have no restrictions on the amount of securities they issue. As such, the SRRI value generated for Investabill™ ETR is in accordance with the Committee of European Securities Regulators [CESR] guidelines that has been adopted by the European Securities and Markets Authority [ESMA] on the methodology for the calculation of the SRRI as specified in CESR 10/673 and uses 2-Years’ data only

* Investment quality is a combination of Investment Grade [IG] organisations & other credit worthy organisations, as determined by AIG and other credit rating agencies, from time to time