World Business Lenders

> BUSINESS LOANS
> Supported by Deposit History and Collateralized by Real Estate
> Factor Table Buy Rates
>Effective July 2, 2018

>Rev. 1/8/2018
>Diamond Platinum Gold Silver Bronze
>6 months n/a 1.13 1.16 1.20 1.25
>9 months n/a 1.18 1.24 1.31 1.38
>12 months 1.16 1.24 1.33 1.42 1.52
>15 months 1.20 1.31 1.42 1.54 1.67
>18 months 1.24 1.38 1.52 1.67 n/a
>21 months 1.29 1.45 1.62 n/a n/a
>24 months 1.33 1.52 1.72 n/a n/a
>Max Broker Compensation
> 3 % 5 % 7 % 9 % 11 %

Prepayment Discounts: Upon request by the ISO at the time of funding, merchants may be provided with a shorter prepayment period of
6 or 9 months. In the event a prepayment discount is requested and approved by WBL in its sole discretion, the compensation payable to the
ISO shall be reduced by 2% (i.e., Silver program: from 9% to 7%) for the option to prepay after 6 months, and by 1% for the option to prepay
after 9 months.
Program Upgrades: An ISO may request that a merchant be permitted to receive lower/better pricing than the underwriting criteria calls
for (e.g., a “Silver” merchant would like to receive “Gold” pricing). In such cases, if approved by WBL in its sole discretion, the buy rate for

the lower/better priced program will be subject to a 3% increase per program upgrade. Merchants will not be permitted to improve the pric-
ing they receive by more than 2 programs (e.g., a “Silver” merchant will be able, subject to WBL’s approval, to improve its pricing to the

Gold or Platinum, but not the Diamond, programs).
Maximum Broker Compensation: Notwithstanding anything to the contrary above, the maximum compensation an ISO can earn on any
particular loan is $50,000.The information included in this document is intended for internal or professional use only, and not for distribution to merchants. All information provided in this document is subject to modification
by World Business Lenders based on specific loan characteristics. World Business Lenders reserves the right to temporarily or permanently change all guidelines, rates, and other criteria from time to
time in its sole discretion without prior notice. Loans may be provided through third party lenders. Certain business loans are made available through WBL California, LLC (d/b/a WBL), a licensed
California Finance Lender (Lic.# 60DBO-41841). Referrals in such cases will be accepted only from brokers licensed under the California Finance Lender Law or the California Bureau of Real Estate.

>Diamond Platinum Gold Silver Bronze
>Buy Rate
>1.16 1.24 1.33 1.42 1.52
>Max. Broker Comp. 3 % 5 % 7 % 9 % 11 %
>Sell Rate 1.19 1.29 1.40 1.51 1.63
>Total Payback $238,000 $258,000 $280,000 $302,000 $326,000
>Daily Payment $944 $1,024 $1,111 $1,198 $1,294
>Broker Comp. $6,000 $10,000 $14,000 $18,000 $22,000

>Pricing Example for a 12-month, $200,000 Loan with Daily
> Payments and Max. Broker Compensation
>Diamond Platinum Gold Silver Bronze
>Buy Rate 1.16 1.24 1.33 1.42 1.52
>Max. Broker Comp.
> 3 % 5 % 7 % 9 % 11 %
>Sell Rate
>1.19 1.29 1.40 1.51 1.63
>Total Payback
>$238,000 $258,000 $280,000 $302,000 $326,000
>Daily Payment
>$944 $1,024 $1,111 $1,198 $1,294
>Broker Compensation
>$6,000 $10,000 $14,000 $18,000 $22,000

101 Hudson St. 33rd floor Jersey City, NJ 07302