Investors

Investabill® enables investors to earn attractive returns on investments in the performance of quality companies globally.

Investments are secure, insured and liquid.
Investors can expect higher returns than bank deposits,
with similar security and liquidity.
To date, investors have put more than EUR 300 million into Investabill®.

There is no minimum or maximum amount that can be invested.
By going through one of our registered intermediaries or
brokers, investors can access the world of Investabill®.
Investors may choose their preferred risk and return option.

How We Are Different

Many providers focus on their own returns. We take a different approach. It is built upon values of respect and integrity.

By taking the time to understand a business, we provide the right finance and expertise to help that business to succeed. This is a blend of financial acumen, business experience and understanding. We take a real interest in companies’ success.

What We Invest In

Funds are invested in Exchange Traded Receivables [ETR]. An ETR is an invoice, raised by a small company payable by a large Investment quality debtor company. ETR are typically a sovereign and/or blue chip debt that
is then traded on Credebt Exchange®. Hundreds of these ETR are bought, sold and settled on a daily basis. All ETR are purchased at a discount that generates the investors’ return.

HOW FUNDS ARE USED

Investment funds are used to purchase:

TRADE FINANCE – ETR is the finance that enables smaller companies to conduct commercial transactions with larger companies. These ETR are bought, sold, and managed through Trade Credebt®, our dedicated Trade Finance company.

ASSET FINANCE – ETR are also used to finance large plant, industrial machinery and ships.Equity in ships and shipping assets’ ETR are bought, sold and managed through our dedicated shipping finance company, Credebt Shipping®

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The Risks

All investments carry risk. However, Investabill® is built to minimize risk, using robust investment systems & procedures.

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Investor Returns

Investors can choose between 3 Investabill® ETR options, to suit their individual investors’ requirements – FLO:

Demand – 3.500% yield p.a – this is the existing on-demand alternative to bank deposits that have been the basis for Investabill® for the past 10 years

Fixed – 4.250% yield p.a. – funds committed for 12 months, up to 20.00% can be withdrawn prior to term.

Term – 15.00% compounded yield – funds committed for 3 years, i.e. 36 calendar months and up to 20.00% can be withdrawn prior to term each year.

Returns are subject to Capital Gains Tax.

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Liquidity

As a ‘cash equivalent’ and alternative to bank deposits, Investabill® are a liquid investment. Early redemption is possible. When an Investor cancels an investment prior to the agreed maturity date, Credebt Exchange® ensures that it can be liquidated promptly.

Investors can have their investment returned in the times set out below

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Investabill® Examples

Investor purchases EUR 100,000 of Investabill® where their investment intermediary negotiates the rate and fixed term with an Exchange Specialist and agrees a buy rate, or yield of 3.000%. If the funds are invested for the full period and all ETR are fully paid, net of all costs and fees, the Investor would receive EUR 103,000 in a
12 month period. Reinvestment can be renegotiated. The following are three recent investment results. Investabill® does not deduct any tax from investments in ETR. Investors are advised to consult a qualified tax advisor or accountant in the country where they are a permanent resident.

Example 1

Investabill® Demand Sample
Investor	Secondary School
Funds Source	School Bursary
Value	EUR 700,000.00
Period	12 months
Redemption	Day 297
Yield	EUR 120,212.50
Re-Invested	242 Days Later
Value	EUR 350,000.00

Example 2

Investabill® Fixed Sample
Investor	Married Couple
Funds Source	Pension Savings
Value	EUR 483,017.00
Period	12 months
Redemption	Day 365
Yield	EUR 19,320.68
Re-Invested	At Maturity
Value	EUR 100,000.00

Example 3

Investabill® Term Sample
Investor	Private Company
Funds Source	Profits
Value	EUR 150,000.00
Period	36 months
Redemption	At Maturity
Yield	EUR 22,410.00 [coupon encashed]
Re-Invested	At Maturity
Value	EUR 150,000.00

Tax Example

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INVESTABILL®

Investabill® are Exchange Traded Receivables that enable Investors to buy an attractive investment return. The yield is generated from small-medium sized Originator businesses selling their Investment Quality† invoices at a discount.

Credebt Exchange® markets the discounted ETR as Investabill®. Investabill® are fixed value ETR that are leases, monetary obligations or Bills issued under Contract for assets, goods and services supplied to Investment Quality† companies, or credit insured invoices from Investment Grade [IG] insurers.

INVESTMENT POLICY

Investment yield is achieved by purchasing ETR at a discount

Coupon/yield paid quarterly or annually

Redemption on demand is possible, subject to liquidity

Discretionary investments in any other assets are not permitted

Interest is fixed income

Funds are reinvested on a revolving basis for the duration of the investment period

INVESTABILL® ADVANTAGES

Strong, Low Risk Returns

Investabill® offer a stronger return than bank deposits

Returns are from Investment Quality invoices payable by blue chip companies and government organisations

There are no fees for Investors in Investabill®

Investors may choose from lodge and withdraw ‘on demand’ ETR or invest for committed periods for higher returns

HOW RETURNS ARE GENERATED FROM INVESTABILL®

Originator businesses issue invoices every day. Many of these invoices are payable by large Investment Quality companies. Time to payment can be an issue. To improve cash flow, Originators may choose to discount and sell their payables and receivables to Credebt Exchange®. It is through these invoices that Investors make their return.

YIELD

The Investors’ yield is achieved by purchasing ETR at a discount. The Credebt Exchange® Master Agreement ensures credit liability is with the Investabill® debtor company. This is the payor of the invoice. Typically these are bluechip, household name companies or government organisations. †Investment Quality is a combination of Investment Grade [IG] organisations and other creditworthy organisations, as determined by AIG and other credit rating agencies that are approved and authorised by the Credebt® Team.

Trade Finance

Credebt Exchange® provides Trade Finance to Originator organisations. Originator companies are primarily involved in:

Global Trade ETR
Transport & Shipping ETR
Mining ETR
Energy ETR

Credebt® finance is flexible and competitive. It enables Originators to maintain, operate and grow their businesses.

Ownership & Control

Credebt Exchange® buys and owns large plant and machinery. Typically, Credebt® pays c.50.00% to purchase these assets. However, it owns them 100.0% outright. The remaining 50.00% is paid by the operator that rents the machinery from Credebt®.

This 50.00% Price-to-Value [PTV] provides the incentive for the operator to make its repayments. c.50.00% of the Group’s balance sheet consists of these assets.

TRADE FINANCE - ASSETS ETR

Credebt® generates c.10.00% of its income from Mining Assets, used by some of the world’s largest mining companies. These crushing and cleaning contracts (typically 5-15 years) are worth multiples of the value of the Mining Assets. Credebt® controls all the ETR income from this machinery.

Trade Finance - Income ETR

Credebt® finances large plant in the energy sector. These generate electricity that is purchased by national power companies and government agencies. Credebt® controls all the ETR income and future income from these facilities.

Asset Finance

Credebt Exchange® generates income and invests:

Trade Finance ETR
Ship Finance ETR
Cargo vessel income ETR
Off-shore vessel income ETR

Credebt® finance is flexible and competitive. It enables Originators to maintain, operate and grow their businesses.

Shipping FINANCE ETR

Our Shipping Finance ETR are bought and sold daily. All Shipping Finance ETR income is received into the Credebt® Bank Account. Credebt® controls the ETR income, ensuring Investors’ cash is protected.

OWNERSHIP & CONTROL

Credebt® owns ships. It pays c.50.00% to buy the vessel, but owns it 100.0% outright. The remaining 50.00% is paid by the disponent shipowner that rents the vessel from Credebt®.

This 50.00% Price-to-Value [PTV] provides a strong incentive for the disponent owner to meet all its repayments. In the event of repayment delinquency, the vessel is sold at a discount and investors’ funds are returned.

Cargo Vessel - Income ETR

Credebt® finances the shipping costs of valuable cargoes. Often these cargoes are 10× times the value of the cost to ship them. Credebt® controls all the Originator ETR income from these shipments. Cargoes are not discharged until the shipping cost ETR is paid for.

OFF-SHORE VESSEL - Asset ETR

These ships deliver supplies, tow vessels, ferry passengers and conduct other off-shore infrastructure activities. They are chartered by oil and gas companies and governments. Credebt® controls all the ETR charter income from these vessels. Repayments are deducted from the ETR charter income before being passed to the Originator.

Investabill®

Managed by Trade Credebt Limited®

Strategic Partnership Opportunities

Coupon/yield paid quarterly, or annually

Redemption on demand is possible, subject to liquidity, with 75-day average settlement cycle

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® are fixed value ETR that are leases, monetary obligations or Bills issued under Contract for assets, goods and services supplied to investment quality* companies or credit insured invoices from Investment Grade [IG] insurers.

Credebt Exchange® may issue securities or borrow against ETR

No transaction costs to Investor

Risk

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® are in this category due to low volatility and consistent performance

Safeguard on Investor funds uses 4-Tier Capital Protection

Investments in Price-to-Value [PTV] protected a-ETR assets

Counterparty risk of AIG failure, or refusal, to settle insurance claims

Investments in Advance ETR/f-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

ETR ARE NEITHER A FINANCIAL INSTRUMENT NOR AN INVESTMENT INSTRUMENT AND CREDEBT EXCHANGE® IS NOT REGULATED BY THE CENTRAL BANK OF IRELAND AS A RESULT OF OPERATING THE EXCHANGE AND PROVIDING THE EXCHANGE SERVICES

† Synthetic Risk and Reward Indicator [SRRI] value generated in accordance with CESR 10/673. Investabill® 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® 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

Protection

Capital and yields are protected by our 4 tier Capital Protection System. All risks are protected by AIG.

Investabill® Funds are rigorously protected. These funds are used to purchase Investabill® and through Credebt Shipping®, Shipping Assets and funding Ship running costs.

ETR Purchase

We use the 4-Tier Capital Protection policy at all times.

Investabill® has been specifically designed with the primary objective of protecting Investor funds and also to ensure that the agreed buy rate/yield is delivered. The simple, effective and tested set of capital and yield protection mechanisms are managed by the 4-Tier Capital Protection Policy.

The 4-Tier Capital Protection Policy is extensively documented and rigorously enforced to deliver on our commitment to Investors.

4-Tier Capital protection
1	ETR Off-set	Any unpaid ETR is replaced by a new ETR Credebt Exchange® controls a large ‘pool’ of Investabill®
2	Reserve	80.00% is the average amount paid to Purchase an ETR The remaining 20.00% Reserve protects against default
3	Loss & Default	All Traded ETR contribute to the Loss & Default fund. The Loss & Default fund exclusively supports ETR Repurchase.
4	AIG Insurance	ETR specific AIG policy supports 4-Tier Capital Protection. AIG Credit Default Protection [CDP] refunds Investors

ACCESS AND RETURN BALANCE WITHIN INVESTABILL®

Investors may choose their preferred balance between access and return. Investabill® enables investors to commit funds accessible on-demand, committed for 1 year, or 3 years for a fixed higher return.

DEMAND

3.500%

The on-demand alternative to bank deposits. This has been the basis for Investabill® for the past 10 years.

FIXED

4.250%

Funds are committed for 12 months. Up to 20.00% can be withdrawn prior to term. For additional withdrawals prior to term, some or all interest accrued is forfeited.

TERM

15.00%*

Funds are committed for 36 months. Up to 20.00% can be withdrawn prior to term each year. For additional withdrawals prior to term, some or all interest accrued is forfeited.

CREDEBT EXCHANGE® RATINGS

The following table explains the Credebt Exchange® Equivalent Ratings used to grade ETR on the Exchange. Credebt Exchange® Equivalent Ratings are updated on a regular basis and should be used as a reference only. Investors using Equivalent Ratings agree to be bound by the terms of the Master Agreement should understand how they are generated. Investors should also read the disclaimer below before considering Credebt Exchange® Equivalent Ratings as part of your investment assessment.

How Equivalent Ratings Are Generated

Equivalent Ratings are simple and are not derived, or influenced in any way, by Credebt Exchange® . In the case of any organisation with ratings from Moody’s, Fitch or Standard & Poor’s, Credebt Exchange selects the highest Equivalent Rating and presents it using the Credebt Exchange® Equivalent Ratings table shown above. The following example demonstrates how the Credebt Exchange® Equivalent Rating is generated: