IBS Bank, N.A.

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401 E Las Olas Blvd l Suite 1400 l Fort Lauderdale, Florida 33301 l Office (954) 537-3640 x101 l Fax (954) 537-3641

“Your calm beneath the storm”

Institutional Banking Services, N.A. CORP (IBS, NA) is a privately held corporate banking firm dedicated to
providing corporate finance, cash management, human capital resources, insurance and consulting options. In
addition to numerous internal divisions to company strategically deploys 4 ancillary sectors:

IBS Insurance Associates: A licensed FL Insurance Agency which provides P&C, General Liability,
Builder's Risk and other forms of Commercial Lines Insurance

IBS Realty Group: A Licensed FL Real Estate Brokerage focused on Commercial and Luxury Real Estate
Transactions

American Resolutions, LLC: American Resolutions, LLC (American Resolutions) is the faith based accounts
receivable management and consumer advocacy subsidiary of Institutional Banking Services, N.A. CORP. American
Resolutions provides businesses options for liquidating delinquent consumer receivables while assisting consumers
in resolving their financial roadblocks. Additionally, via its Institute of Consumer Credit Management division the
company offers professionals the renowned Consumer Credit Professional CCP® designation.

IBS Investment Bank: a faith-based private investment firm based in Fort Lauderdale, FL that specializes in direct
investments in small to middle market businesses with annual sales of $1 million to $300 million. In addition to
serving as alternative to commercial bank financing for American businesses the firm directly invests in acquisition
of commercial and residential real estate throughout the continental United States. During the last quarter of 2011
the firm raised capital to begin expanding into the retail sector i.e. restaurants, consumer goods, etc. with a focus
on companies with revenues under $1mm in annual sale. In September 2011 IBS was named as the exclusive
lender for IHOP’s Blue Roof Franchise Association, making $10 million in capital available for franchisees to expand
and remodel their establishments.

Recent Press Releases
http://www.bizjournals.com/southflorida/news/2012/04/19/fort-lauderdales-ibs-buys-
american.html?ana=e_du_pub&s=article_du&ed=2012-04-19

http://www.bizjournals.com/southflorida/news/2011/09/08/fort-lauderdales-ibs-funds-10m-IHOP.html?ana=fbk

©Institutional Banking Services NA CORP
www.american-resolutions.org www.myinstitutionalbanking.com www.ibsinvestmentbank.com

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IBS Programs
Commercial Lending & Finance
Through the use of our private funds and institutional investors IBS has the ability to address the unique capital needs of our
clients. Our goal is to maintain a commercial lending product mix that will address the capital needs of most small to medium
sized companies.

 IBS SBA 7(a) Program
 IBS SBA 504 Program
 IBS Conventional Program
 IBS Trade Finance & Factoring Program
 IBS Private Equity- Starting at loan amounts $1mm, decisions are based on assets and LTV versus credit
 IBS Unsecured Advantage

Human Resources Solutions
Institutional Banking Services N.A. has developed human resources solutions designed to simplify our business customers’
payroll services while opening a market of employee benefits that are generally not available to small businesses.

 Payroll and Time Management
 Unemployment Administration
 Workers Compensation
 Tax and Compliance Services
 Employee Benefits

Merchant Services &Treasury Solutions
Institutional Banking Services N.A. merchant services provide business customers the ability to accept debit and credit cards at
their place of business at highly competitive rates.
 Mobile Phone Processing
 Check Acceptance by Web, Phone or Fax
 Customized Gift Cards to increase or Retain Sales
 QuickBooks Integration for simplified reconcilement
 ACH capabilities

IBS Insurance Associates
IBS Insurance Associates offers customers business insurance for property/ casualty and general liability, along with group
health and employee benefits.

 General Liability
 Property and Casualty
 Homeowners Insurance
 Personal and Commercial Auto
 Builder’s Risk

Investment Banking
IBS Investment Bank serves as general partner of the IBS Structured Growth Fund, LP, a $150 million open-ended private
investment partnership and the IBS FDIC Structured Opportunity Fund, a $250 million close-ended private investment
partnership.
 Private Placements
 APO’s/IPO’s
 Real Estate Portfolio Acquisitions and Repositions
 Fund of Fund Investing
 Family Office Service


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IBS UNSECURED LOAN PROGRAM
Benefits of doing Business with IBS
• We loan from $15,000 up to $1,000,000 per location.

•We typically offer longer terms than MCA company's (12, 14, 16, and 18 month’s available).

• Our funding offers per location are typically 150% of an MCA company’s offer.

• Interest is tax deductible - we are a licensed lender, and the interest on our loans is tax deductible,
resulting in lower effective financing costs to the merchant.

• Weekly ACH repayment - we don’t interrupt, interfere or delay the merchant’s credit card
processing in any way (no credit card processor switch required and no lockboxes).

• No Tax Returns needed unless funding request is above $250,000 ($150,000 for retail).

• 12 month or 18 month products available for quality merchants

• Pre-qualified offers within 24 hours of complete submission.

Below are some additional parameters
• Brick and mortar retail
• 3 months in business, with at least $30,000 in monthly sales.
• If time in business is = 1 year the minimum monthly sales required drops to $20,000.
• Minimum credit score of 550 - but the higher the credit score the better the rate to the merchant.
• No open BKs, BK must be dismissed/ discharged for at least 1 year.
• Tax liens must be less than 20% of average monthly sales or have a payment plan with at least 3
payments made
• Must be current on mortgage and business rent (may be up to one month late if high credit
merchant).
• Existing advances do not disqualify the merchant, but the advance must be paid off out of loan
proceeds (except with an advance from Rewards Network).

To get started please submit the following:
• Signed IBS application (UMCA)
• 4 months’ banks statements (all pages; no online statements)
• 4 month’s credit card statements


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IBS Investment Bank Asset Based Lending Criteria

Loan Size: $500,000 ‐ $30,000,000 Region: USA, Western Europe, and Canada

Collateral and Advance Rates:

1. ACCOUNT RECEIVABLE: up to 90% LTV (foreign and domestic AR)
2. INVENTORY: up to 90% LTV
3. M&E (Machinery and Equipment): up to 100% LTV (foreign and domestic)
4. Purchase orders: up to 100% of supplier cost
5. IP: advance determined by licensing or royalty revenue
6. Commercial RE: up to 75% LTV
a. Hotels, Multifamily Units, Factories, plants, warehouses, assisted living facilities, and
commercial centers nationwide
7. Cash Flow: 1‐3X EBITDA

If borrower has EBITDA of $500K or above then no collateral is required. If the borrower has
collateral to support a loan size of $500,000 and above then no revenue or positive EBITDA
required.

Loans are provided for but not limited to:
• Refinancing
• Acquisition
• Growth
• Distress and Turnaround
• Working Capital

Minimum information needed for review:
• Description of Business
• Size of loan request
• Use of loan
• Recent Balance Sheet
• Recent Income Statement


IBS Bank, N.A.

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