UPS Capital leverages UPS's supply chain expertise to develop financial solutions that help companies operate more effectively. It offers products and services to protect goods, accelerate and protect payments, and improve cash flow. This includes merchant services, credit card fraud protection, alternative payments, C.O.D. enhancement services, and receivables management solutions to help businesses access capital and improve their cash flow.

4. UPS Capital Capabilities UPS Capital exists to help businesses like yours maximize the financial resources invested in their supply chains. Our products and services support your supply chain in three key areas: Protect Your Goods Accelerate & Protect Payments Improve Cash Flow Rely on UPS Capital Insurance Agency, Inc. to mitigate the risks inherent in today’s longer and more complex supply chains. Leverage the goods in your supply chain to attain the capital you need to run and grow your business. Shorten the conversion of goods to cash, while protecting your business from customer credit defaults.

5. Accelerate & Protect Payments

7. Merchant Services Accelerate & Protect Payments

10. Credit Card Fraud Protection Accelerate & Protect Payments

12. Credit Card Fraud Protection Accelerate & Protect Payments Credit Card Fraud Protection Services offers the following benefits to merchants: Grow globally. With our authentication services, you can process cards from all over the world without the worry of fraud, giving you almost unlimited possibilities for growth. Reduce interchange rates. Fraud protection services help credit card providers, too. Just like safe driver discounts from car insurance companies, payer authentication can help reduce interchange rates, often by as much as 20 basis points. Eliminate fraud risk. Verified by Visa ® and MasterCard ® SecureCode TM programs save money by eliminating fraudulent online activity and chargebacks.

13. Alternative Payments Accelerate & Protect Payments

16. C.O.D. Enhancement Services Accelerate & Protect Payments

21. Receivables Management Solutions Accelerate & Protect Payments

32. Protect Your Goods

38. Flexible Parcel Insurance Protect Your Goods

42. Improve Cash Flow

43. Improve Cash Flow The financial expertise of UPS Capital combined with UPS’s proficiency in facilitating international trade makes us unique in the marketplace. We provide solutions that help finance your international trade. UPS Capital Cargo Finance ® Equipment Buyer Credit* Global Asset-Based Lending Loans made in California are pursuant to a Department of Corporations California Finance Lenders License. Products may not be available in all areas and may be modified based on requirements. Check with your UPS Capital representative for local availability. Credit availability is subject to approval. Products are offered through UPS Capital Business Credit, a subsidiary of UPS Capital Corporation. UPS Capital Corporation is neither an agent for, nor associate of, UPS Capital Business Credit for the purposes of originating, processing, underwriting or servicing government guaranteed loans ( e.g. , Ex-Im guaranteed loans). Products may not be available in all areas and may be modified based on requirements. Check with your UPS Capital or UPS Capital Business Credit representative for local availability. Credit availability is subject to approval.

44. UPS Capital Cargo Finance ® Improve Cash Flow Provides inventory financing, on a transactional basis, to customers who are importing goods via UPS Ocean Freight and using UPS Customs Brokerage.

50. Global Asset-Based Lending Traditional Asset-Based Loan Structure $2 Million Inventory in U.S. Warehouse $12 Million Accounts Receivable Typical ABL Loan Inventory (50% LTV) $1.0 million Accounts Receivable (80% LTV) $9.6 million Total Loan $10.6 million

51. Global Asset-Based Lending Global Asset-Based Loan Structure (Example) $2 Million Inventory in U.S. Warehouse $12 Million Accounts Receivable $2 Million Inventory in Asian Warehouse $2 Million Inventory In transit ABL Loan Typical ABL Loan Integrated GABL Loan In Country (U.S.) Inventory (50% LTV) $1 million $1 million In Transit Inventory (50% LTV) — $1 million Out of Country (Non U.S.) Inventory (50% LTV) — $1 million Accounts Receivable (80% LTV) $9.6 million $9.6 million Total Loan $10.6 million $12.6 million

60. Thank you UPS Capital Corporation 35 Glenlake Parkway Atlanta, GA 30328 1-877-263-8772 www.upscapital.com UPS Capital Insurance Agency, Inc. Nicole Robinson Business Development Officer 980.254.8367