<ul><li>Services Overview  </li></ul>
PAF Investments, LLC Overview <ul><li>Focused on loan purchase values of $1,000,000 – $15,000,000 (will consider smaller d...
Value Proposition <ul><li>PAF Investments provide alternative solutions for non-performing loans to the financial communit...
<ul><li>Top financial executives recognize how distracting non-performing assets can be to the organization and how quickl...
PAF Service Offerings PAF Loan Acquisitions INSOLVENCY LINE PAF Asset Disposition Services
Common Loan Situations Where PAF Can Help   <ul><li>Borrower’s with poor financial performance due to inefficiencies and m...
Underlying Financial Characteristics of Our Loan Purchases <ul><li>Secured Loans </li></ul><ul><li>Equipment / Fixed Asset...
Industries/Assets Experience <ul><li>Aerospace </li></ul><ul><li>Automotive </li></ul><ul><li>Printing </li></ul><ul><li>T...
Information Required For Loan Evaluations <ul><li>General overview of borrower’s business </li></ul><ul><li>Size of loan(s...
PAF Loan Purchase Review Process Average Transaction Closing Time is 10 -14 Days Identification of  possible loan purchase...
Loan Purchase Examples <ul><li>Borrower Profile: Tool Maker and Foundry </li></ul><ul><li>Outstanding Loan Value: $1,100,0...
Asset Disposition Services Overview <ul><li>Complete Facilities or Groups of Assets </li></ul><ul><li>Turn Key On-Site Pro...
Asset Disposition Examples <ul><li>Company Vertical Deal Structure Sale Value </li></ul><ul><li>Neptune Contracting Constr...
Contact Information Lenny Dacanay Director of Business Development PAF Investments, LLC 3100 Dundee Rd., Suite 916 Northbr...
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PAF Investments, LLC Overview

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C:\Fakepath\Paf Investments Services Overview R1 8

  1. 1. <ul><li>Services Overview </li></ul>
  2. 2. PAF Investments, LLC Overview <ul><li>Focused on loan purchase values of $1,000,000 – $15,000,000 (will consider smaller deals selectively) </li></ul><ul><li>Experienced multi-disciplined management team </li></ul><ul><li>Privately capitalized </li></ul><ul><li>Committed funds in place </li></ul><ul><li>Track record of performance </li></ul><ul><li>Ability to make quick funding decisions </li></ul><ul><li>Geographically focused on North American opportunities </li></ul>
  3. 3. Value Proposition <ul><li>PAF Investments provide alternative solutions for non-performing loans to the financial community. </li></ul>
  4. 4. <ul><li>Top financial executives recognize how distracting non-performing assets can be to the organization and how quickly situations can expand to include attorneys, board members and regulators </li></ul><ul><li>Financial institutions have few options when dealing with problem loans: </li></ul><ul><ul><li>Keep the loan on the line because there’s not enough staff in workout and hope things don’t get worse </li></ul></ul><ul><ul><li>Increase the workout staff to accommodate the work load </li></ul></ul><ul><ul><li>Sell the loan in the secondary market at 30%-50% of face with an associated impact on the P&L </li></ul></ul><ul><ul><li>Write the loan down slowly until it either refinances, liquidates or can be sold with minimal P&L impact </li></ul></ul>Challenges with Non-Performing Loans
  5. 5. PAF Service Offerings PAF Loan Acquisitions INSOLVENCY LINE PAF Asset Disposition Services
  6. 6. Common Loan Situations Where PAF Can Help <ul><li>Borrower’s with poor financial performance due to inefficiencies and market conditions </li></ul><ul><li>Non-Performing accounts that have been deemed no longer strategic to the Bank </li></ul><ul><li>Original loan officer with relationship has moved on </li></ul><ul><li>At the end of a quarter when NPA’s need to be kept in line </li></ul><ul><li>Acquisition of a new loan portfolio and or institution. </li></ul><ul><li>Extremely challenging borrower </li></ul>
  7. 7. Underlying Financial Characteristics of Our Loan Purchases <ul><li>Secured Loans </li></ul><ul><li>Equipment / Fixed Assets </li></ul><ul><li>Inventory </li></ul><ul><li>Accounts Receivable </li></ul><ul><li>Small Percentage of Real Estate </li></ul><ul><li>Default Status or At Term End </li></ul><ul><li>May or May Not Have Personal Guarantees </li></ul>
  8. 8. Industries/Assets Experience <ul><li>Aerospace </li></ul><ul><li>Automotive </li></ul><ul><li>Printing </li></ul><ul><li>Textile </li></ul><ul><li>Food & Beverage </li></ul><ul><li>Pharmaceutical </li></ul><ul><li>Machine Tools </li></ul><ul><li>Stamping </li></ul><ul><li>Plastic Injection Molding </li></ul><ul><li>Rolling Stock and Construction </li></ul><ul><li>Fabrication </li></ul><ul><li>Printed Circuit Board </li></ul><ul><li>Food Processing </li></ul><ul><li>Chemical Processing </li></ul><ul><li>Pharmaceutical Processing </li></ul><ul><li>Test and Measurement </li></ul><ul><li>Inventory </li></ul><ul><li>Accounts Receivable </li></ul><ul><li>Raw Materials </li></ul>
  9. 9. Information Required For Loan Evaluations <ul><li>General overview of borrower’s business </li></ul><ul><li>Size of loan(s) and security </li></ul><ul><li>Loan(s) due date </li></ul><ul><li>Any cross-collateralization of the loan(s) </li></ul><ul><li>List of current inventory and accounts receivable </li></ul><ul><li>Appraisals related to the loans </li></ul><ul><li>Borrowing base certificate </li></ul><ul><li>Loan Documentation with any special terms </li></ul>
  10. 10. PAF Loan Purchase Review Process Average Transaction Closing Time is 10 -14 Days Identification of possible loan purchase opportunity Execution of confidentiality agreement PAF is provided specific loan data for review Initial pricing and value feedback is provided based on data review Based on positive feedback final due diligence and evaluation begins Execution of standard loan sale agreement
  11. 11. Loan Purchase Examples <ul><li>Borrower Profile: Tool Maker and Foundry </li></ul><ul><li>Outstanding Loan Value: $1,100,000 </li></ul><ul><li>Collateral: M&E, AR, Real Estate, and Inventory </li></ul><ul><li>Close Time Frame: 7 Days </li></ul><ul><li>Loan Purchase Amount: $1,100,000 (Par Value) </li></ul>Borrower Profile: Wire Shopping Cart Manufacturer Total Loan Value: $1,800,000 Collateral: M&E, AR, and Inventory Close Time Frame: 10 Days Loan Purchase Amount: $1,800,000 (Par Value) Borrower Profile: Spring Manufacturer Total Loan Value: $1,050,000 Collateral: M&E, AR, and Inventory Close Time Frame: 8 Days Loan Purchase Amount: $1,050,000 (Par Value)
  12. 12. Asset Disposition Services Overview <ul><li>Complete Facilities or Groups of Assets </li></ul><ul><li>Turn Key On-Site Project Management </li></ul><ul><li>Multiple Financial Structures </li></ul><ul><ul><li>Commission </li></ul></ul><ul><ul><li>Cash Purchase </li></ul></ul><ul><ul><li>Revenue Sharing </li></ul></ul><ul><li>Liquidations and Auctions </li></ul><ul><ul><li>Online </li></ul></ul><ul><ul><li>On-site </li></ul></ul><ul><ul><li>WebCast </li></ul></ul><ul><li>Event Marketing </li></ul>
  13. 13. Asset Disposition Examples <ul><li>Company Vertical Deal Structure Sale Value </li></ul><ul><li>Neptune Contracting Construction Purchase $4,400,000 </li></ul><ul><li>Jones & Brown Steel Fabrication Revenue Share $1,200,000 </li></ul><ul><li>Frank Irish Contractor Revenue Share $2,100,000 </li></ul><ul><li>White River Coal Coal Mining Revenue Share $2,300,000 </li></ul><ul><li>Berner Foods Food Processing Revenue Share $3,300,000 </li></ul><ul><li>Courtesy Manufacturing Metal Stamping Purchase $2,900,000 </li></ul><ul><li>Owens Illinois Machine Tools Purchase $3,000,000 </li></ul><ul><li>Delphi (Flint) Auto Purchase $800,000 </li></ul><ul><li>Delphi (Dayton) Auto Revenue Share $7,500,000 </li></ul><ul><li>Delphi (Laurel) Auto Revenue Share $1,500,000 </li></ul><ul><li>Raytheon Aerospace/Test Revenue Share $750,000 </li></ul><ul><li>EPP Plastics Revenue Share $7,000,000 </li></ul>
  14. 14. Contact Information Lenny Dacanay Director of Business Development PAF Investments, LLC 3100 Dundee Rd., Suite 916 Northbrook, IL 60062 Office: 847-656-9066 Cell: 312-493-1844 Email: [email_address] www.pafllc.com

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