National Export-Import Bank of Jamaica Ltd

1. EXIM Bank Financing your Business Needs National Export-Import Bank of Jamaica Ltd

2. We Are… Corporate Bankers to Jamaican Companies in the Productive Sector Providing Trade Financing Medium Term Loans Trade Credit Insurance Business Advisory Services

3. Who We Serve • The Productive Sectors • Manufacturing • Agro-Business • Mining • Tourism • Services • Creative Industries • ICT

4. Linkage Companies You do not have to be a Direct Exporter to qualify for an EXIM loan If your company supplies goods and/or services to a company within the Productive Sector you may also be eligible for EXIM Bank’s low cost financing

5. Working Capital Equipment Acquisition Retooling/ Upgrading of Facilities Pre Shipment Financing Receivables Financing Debt Refinancing * Market Research *Note: Conditions Apply We Finance the Following

6. 10 – 13% p.a JA$ Loans 8.5 – 11% p.a US$ Loan Affordable Financing

7. Foreign Lines of Credit • Cuban Line of Credit • Receivables Financing (Post Shipment) • Pre Shipment Financing • CoPack Facility • JEA/JMA Loan Programme • Insurance Policy Discounting Facility • Working Capital Financing Short Term Financing

8. International Lines Of Credit Goods can be sourced from any country across the world Loans refinanced for up to 270 days Competitively priced interest rates

9. CAN$10 million BancoNacional de Cuba Facilitates the exportation of Jamaican Goods to Cuba EXIM Bank pays you 100% of the value of your export order, upon receipt of shipping documents, and then waits to collect from the Cuban Authorities. Visit our website for a list of eligible goods Cuban Line of Credit

10. Pre Shipment Financing Max 90 days Up to 100% of FOB value of your export order Bankers Export Credit Facility Post Shipment Financing Max 120 days Up to 100% of CIF value of your export

11. If you are … a co-packer or supplier of locally manufactured goods to an approved trading house & you were recommended to EXIM Bank by that trading house … then you are eligible Repayment period: 90 – 120 days Co-pack Facility

12. Eligible Borrowers: Linkage Companies to the Export Sector <50 permanent employees Export Ready Have excess capacity JEA/JMA Loan Programme J$3.5 million Loan Ceiling Working Capital Support Light Equipment

13. Upgrading and Retooling Sectors: • Export • Tourism • Printing & Packaging • U-Drive • Linkage companies for the above • Mix of Collateral Accepted Medium Term Financing

14. Medium Term Financing • SME Growth Initiative • JEA/JMA Loan Programme • FSMA Loan Window • Modernisation Fund For Exporters/ Tourism • Any other purpose deemed acceptable

15. SME Growth Initiative Loan Ceiling: J$ equiv of US$500,000.00 Net Worth< JA$100 million Annual Sales <JA$360 million

16. Introducing EXIM Bank’s … FSMA Loan Window If you produce Food Products for export to the USA… Your business WILL be affected by the newly implemented Food Safety Modernisation Act 2011 New

17. EXPORTERS of Fresh Produce, Baked Goods, Sweets, Condiments, Sauces & Spices, other Processed Foods and Meat. FSMA Loan Window Affected Entities JA $100 million Pool JA$ Loans 6.5% - 7% p.a. US$ Loans 5% - 6% p.a.

18. FSMA Loan Window • Loan Purpose • Conduct Gap Analysis • Equipment Acquisition • Upgrade Existing Facilities • Conduct Training • Technical Assistance • Implementation of New Food Safety Systems Term: Maximum 48 months Moratorium: Maximum 6 months

19. Energy Loan Loan Term: The applicant must have an energy Maximum 48 months audit done by a Petroleum Corporation of Jamaica approved energy auditor. Moratorium: (list available from the EXIM Bank) Maximum 6 months Funded by the DBJ SME Energy Fund

20. Eligible Borrowers: • Commercial & Industrial Users • Energy Service Companies • Manufacturers of energy efficient equipment and devices To include: Exporters, Agro-Processors, Manufacturers, Aqua Culture & Poultry Farmers and companies in the Tourism Sector Energy Loan

21. Loan Purpose: • Retrofitting to accommodate: • Energy Efficiency • Energy Conservation • Alternate Energy Sources • Emphasis on electricity conservation & solar energy Energy Loan

22. Mortgage over Real Estate • Bank Guarantees from the Bank’s Approved Financial Intermediaries (AFI) • Bill of Sale over Equipment • Hypothecation of Financial Instruments • Assignment of Receivables Acceptable Collateral

23. Relaxed Collateral Requirements • Increased Loan Limits • Faster Processing Times • Streamlined Business Processes • Access through AFIs Meeting Your Needs

24. Business Plan • Audited and In-House Financials • Cash Flow Projections • Collateral documentation • Valid Tax Compliance Certificate • Completed Application Form To Apply You Will Need

25. Protects your business against non-payment of receivables by local or foreign buyers. With TCI you can claim for up to 85% of the value of your receivables – for non payments and for payments over 120 days Trade Credit Insurance

26. Covers Foreign & Domestic Receivables • Covers Commercial & Political Risk • Risk Coverage – 85% & 90% • Coverage available to all entities registered in Jamaica Trade Credit Insurance

27. ELIGIBLE TRANSACTIONS: • Sale of goods & services to approved buyers • Sale of goods originating outside Jamaica, by Jamaican firms, to 3rd countries • Sale of goods by subsidiaries of Jamaican companies operating in CARICOM • Goods trans-shipped from Jamaica’s duty-free zones to countries in the Caribbean Trade Credit Insurance

28. Approved Financial Intermediaries • Scotia Group • NCB • First Global Bank • CIBC - FirstCaribbean Int’l Bank • Sagicor Bank • JMMB • JN Fund Managers • MF&G Trust & Finance • Mayberry Investments • Sterling Asset Management • Development Bank of Jamaica • Citibank NA Access EXIM Bank’s loan facilities through our AFIs:

29. Thank You