No Clawback) At attractive terms based on UTC`s credit strength Without using its own supplier credit lines and without paying the high discount costs associated with typical factoring agreements The program provides suppliers with Citi`s off-balance sheet financing solution supports UTC`s payment risk Not required for suppliers to be Citi customers or open Citi 3 Citi Supplier accounts Finance – Process Flow Lie will benefit from early transparency, payment security and financial flexibility UTC approved supplier invoice for payment UTC instructions generated for Citi, the supplier to be paid on the future due date Supplier will be notified of future payments by Citi Supplier can convert future payments immediately into cash 5 At the due date UTC Funds can perform steps: 1. . . .
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