FOF SERVICES, Inc.

Management Team

Brian Zamudio – Extensive experience in fundraising, natural resources, technology funding and development, real estate development, mortgage securities, debt and equity financing and financial brokerage.

Henry Bonner - Extensive executive and board experience from investing in, managing and advising in finance companies for GE Capital and MetLife including operations and management positions in several startups including cross-border specialty finance, stored value cards and financial brokerage.

Penelope Nagel – Experience with asset management, accounts receivable funding, commercial and private money lending. Process reengineering to improve profitability of lending and loss mitigation.

Mario Santaella – Import/Export client services expert. Extensive history in sales/marketing of foreign products in Mexico including sales and cost analysis, bonded warehouse facilities logistics and distribution networks to increase profitability.

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Market We partner with our borrowers to give them cost-effective

short-term funding through accounts receivable financing insured through COFACE.

Working closely with our borrowers and paying close attention to their requirements, margins and supply chain needs enables us to deliver timely financing tools to free up working capital and empower customer growth.

Our capital equipment financing services will initially lease equipment to grow VidBox Mexico and franchisees in Mexico.

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Products

Accounts Receivable Financing

Equipment Leasing

Institutional Micro-Lending

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Portfolio Matrix

Year 1 Year 2 Year 3

A/R Funding 70% 60% 50%

Lease 15% 20% 25%

Micro-Lending 15% 20% 25%

Portfolio mix

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Purchase

Commitment

Holding or Manufacturing

Interval Sales

Collection Interval

Cash

Purchase of goods and service

Inventory

Receivables

Operating Cycle

Customers

Clients with Existing Exclusive Relationships:

Nery’s Cheese

U.S. Tobacco

VidBox

Quiznos

Melting Pot

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FOF

Lending

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SOFOM

Insured

A/R

Secured

Leases

Hedge Funds

$

Accredited

Investors

$

Other

SOFOMS

Receivable Funding Model

Interest Rate

Per Cycle

Aging Days as

a % of Total

15 Day A/R 0.5% 49%

30 Day A/R 0.5% 28%

45 Day A/R 0.75% 11%

60 Day A/R 0.75% 13%

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Statement sent to Insured

after delivery of

goods

Step 1

30 Days Past Due Letter 1 (PAST DUE

NOTICE) is sent

Step 2

40 Days Past Due Letter 2

(COFACE FILING

NOTICE) is sent

Step 3

60 Days Past Due Letter 3

(PLANNED

ACTION NOTICE)

is sent

Step 4

65 Days A Phone Call

and Duplicate

Statement of Past Due

Status is sent

Step 5

75 Days A CLAIM IS

FILED WITH

COFACE

Step 6

FOF Collections Process

COFACE CLAIMS FILING PROCESS

90 Days Past due

Make final phone call

Step 1

File Notification of Overdue

Account (NOA) with COFACE

Step 2

Submit NOA Form

and Supporting Documenta

tion

Step 3

Final Statement of Claim

Form

Step 4

Projected Portfolio Mix

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Nery’s Cheese Market

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• Nery’s cheese is a wholesale distributor of quality cheese products.

• They offer many varieties and packaging options to their clients including specialty packaging, shredded, and of various sizes.

• The market for cheese is increasing in Mexico and their customers have a growing demand to meet the increase in consumption.

• Nery’s demand for additional products is 4 times that of their current contracts and additional capital is required to meet the spread between accounts payable and account receivable aging.

Cheese Market

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Background US Tobacco de Mexico

USTdM's solution to the complications being presented by Mexican customs is to set up a manufacturing facility within Mexico. This by-passes issues at the point of import and, at the same time, significantly reduces cost. In addition to rent, labor and electricity, transportation cost is also significantly reduce by eliminating logistics cost from the East Coast of the U.S. to the San Diego export facility. USTdM has sourced from two operating plants in the U.S. all the equipment necessary to produce retail-ready packaged cigarettes from raw materials (paper, filters, tobacco, packaging, etc.) purchased in the U.S. In addition to the equipment, USTdM has formed a partnership with an experienced cigarette manufacturing manager that will move to the Tijuana area and manage the facility.

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U.S. Tobacco de Mexico Clients USTdM is a fairly new corporation with limited sales history. The equipment that has been secured had a new value of approximately $3 million USD. USTdM was able to purchase the equipment for approximately $1,000,000 USD. Historical sales have been between 1,000 and 3,000 cases per month. With the addition of U.S. sales, which we expect to begin in the near future, the newly launched private label program and its tremendous up-side, sales could be significant within the year. At sales levels as low as 1,000 cases per month, USTdM will be able to meet its overhead cost including the payment on the equipment.

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U.S. Tobacco Clients

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0% 5% 10% 15% 20% 25% 30%

Total Smokers

Men

Women

Smoking Prevalence in Mexico

Leasing Model

Leasing Rate 16-18%

Borrowing Rate 8-10%

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VidBox Vidbox will be the premier supplier in the DVD movie

rental kiosk market in Mexico.

Has a first to market competitive advantage by replicating the success of Redbox in the United States.

The target markets will concentrate on the highly populated cities of Tijuana, Monterrey, Guadalajara and Mexico City.

DVDs will be available from customized kiosks (“Vidboxes”) operated by debit/credit card and located within Mexico’s largest and most visited grocery stores, convenience stores, and fast food outlets, at cash register one or entry/exit doors.

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VidBox Potential Market

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Micro-Lending

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The transactions are so minuscule they hardly seem worth the bother. The average loan amounts to $257 USD. These small sums represent a surprising, underserved market that can produce significant revenue. For three decades, micro-lending was only seen as a tool of non-profit economic development. These micro-loans now generate significant revenues for lenders and help economic growth from the bottom up.

Micro-Lending Market

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We have created an alliance with a micro-lender to assist in growing their business through our

accumulation of capital. These are loans directly to the lenders on an institution to institution

basis thereby protecting FOF from potential loss from their 4% default rate. We will closely

monitor their transactions to guarantee repayment and success for both businesses

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Risk Management

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Risk Management

Our Clients’ Customers

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Our Clients

Conclusion We will consistently and profitably provide financing and remove

obstacles to growth for our customers.

We will ensure our success through aggressive credit risk management and strong account controls.

We will continuously improve and enhance our capabilities.

FOF Services, Inc. www.fofservices.com

Contact: Brian Zamudio

brianzamudio@fofservices.com +1 (619) 518-6424

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