Minha Casa, Minha Vida. Government Backed Social Housing Investment Natal, Brazil. 24% Return in 24 Months 50,000+ Mortgage Approved Buyers

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1 Minha Casa, Minha Vida Government Backed Social Housing Investment Natal, Brazil 24% Return in 24 Months 50,000+ Mortgage Approved Buyers

2 Exclusive Summary Minha Casa Minha Vida (My House My Life) is a government backed social housing programme, launched in 2009 with the aim to build 1 million properties. This target was reached before the end of 2010 and as a result, in early 2011, the government decided to expand the building programme and develop a further 2 million properties. Over 400,000 of these are to be built in the Rio Grande del Norte region, where Oak International Finance are building their developments. The government has allocated in excess of 71 billion Reais to support the expansion programme. At the last count, Natal had a waiting list of over 50,000 people for the My House My Life scheme. With the rapid expansion of the city, this list is growing all the time. The housing scheme is heavily subsidised by the Brazilian Government through La Caixa Economica Federal Bank. This upgraded target of 3m properties is to be reached before The scheme offers local people living in poor housing accommodation, or indeed lacking accommodation, the opportunity to move into the social housing developments with very limited funds, making the decision for the families an easy one to make. Buyers pay no deposit (Buyers receive 100% mortgages) Very low corporate tax for developers Page 2 Copyright Oak International Finance v0.4 Mortgage interest subsidised heavily by the Brazilian Government (Buyers pay approx 2%) Average property price for scheme is low at approx Natal has a waiting list of over 50,000 people for this scheme Initiative proving popular demonstrated by increase of 1m target to 3m properties before 2014

3 Investment Overview Invest from 20,000 to 750,000 24% Return over 24 month term Government backed short term scheme Funds secured by FSA regulated transpact Original target of 1m social housing properties to be built recently increased to 3m properties before 2014 Full SIPP and cash investment opportunity Small projects for fast turnaround Fast growing and stable economy Demonstrable exit strategy Impressive development team with real pedigree Page 3 Copyright Oak International Finance v0.4

4 Why are Oak International Finance Focusing on Natal? Within the next five years more than ten golf courses will be developed on the Natal coastline and more than $1.8 billion dollars will be invested in new hotels, resorts and improving infrastructure (the equivalent to 8% of all foreign investments that the entire Brazilian economy received last year). Due to booming tourism and enormous potential for further growth, the local government has decided to build a new airport in Natal which will be the biggest airport in South America (8th biggest in the world). The airport has been specifically designed to cater for the new Airbus A-380, which will further confirm Natal s position as the number one tourist destination in Brazil. Thompson Holidays started direct charter flights to Brazil in early 2006, and to no surprise the chosen destination was Natal. Being the Number one beach tourism area and a symbol of North Eastern Brazil, Natal will benefit enormously from future domestic economic growth and increasing spending powers of the Brazilian population (180 million). Page 4 Copyright Oak International Finance v0.4

5 Why invest in Brazil Key Points Booming economy Brazil hosting World Cup in 2014 and Olympics in 2016 Lots of people in poverty wanting to get on the property ladder New airport (largest in South America) under construction for 2014 Government backed social housing scheme Major investment into Brazilian infrastructure Why invest in Natal & the scheme - Key Points Locals in poverty wanting to get on to the property ladder Scheme initiated by Brazilian Government called My House, My Life Mortgage rates heavily approx 2% Large waiting list for the scheme solidifying exit strategy for investors Massive funds being pumped into Natal, by the Brazilian Government Buyers receive 100% mortgage making ownership of the properties attainable for local people Recent years have seen an increase of over 150% in foreign tourism in Natal Vibrant and growing city people Host city for 2014 World Cup Buyers pay no deposit Low corporate tax for developer Page 5 Copyright Oak International Finance v0.4

6 Due Diligence Checks Projects will only be purchased once a full due-diligence check has been completed. The process will include checks on the following: Vendor actually holds title of the project and land Project and land are free of debt Independent architect verifies all architectural plans as viable and legal All building licenses and permits are current and valid All necessary agreements with utility companies are in place Development is approved by bank as part of the Minha Casa Minha Vida construction programme Builders are approved by the state bank - La Caixa Economica Federal Fixed price construction contracts are agreed with builder and bank Full planning consent for the development plot is current and valid The team on the ground in Natal has many years of experience in the construction industry and in particular, in the My House My Life construction programme. The team s expertise covers the legal, architectural, construction and financial aspects of the industry. Page 6 Copyright Oak International Finance v0.4

7 Credible Partners We already know that the need for the scheme My House, My Life is there. To have a development in Natal that has a waiting list of more than 50,000 and rising, shows the exit strategy for investors money is in place. The most important question for this product is can we safeguard investors money, do we have the individuals involved with the relevant experience to build these developments and can our investors see where their money is being spent at all times giving complete transparency. Gustavo Macedo Gustavo Macedo, part of the Oak International Finance team, is the third generation of his family to work in the building industry and personally has 21 years of experience as both a developer and promoter not just within Natal but across Brazil. His own reputation, along with his family s, is renowned in Brazil. AIPP - Association of International Property Professionals MBi Consulting and Oak International are proud members of the AIPP and are therefore regulated by their professional code of conduct IPT International Property Trust The IPT have years of experience in their field and specialise in securing investor funds. The Funds are secured by an FSA regulated transpact and are held with HSBC. By using the IPT, investors have a route to the financial compensation scheme, allowing for more transparency throughout the investment with the added insurance that the developers behind their product offering are doing all that is necessary to ensure protection for all parties concerned. La Caixa Economica Federal This is the bank that funds the My House My Life programme. The Bank was founded in 1861 and is the largest public bank in Latin America. It has a customer base in excess of 51 million clients and consolidated assets of 380 Billion Reais in an increase of 11.3% on the previous year. Banco Do Brasil Recently entered the funding of My House My Life due to high demand. Banco do Brasil is the largest financial institution in Brazil with over 55 million clients. Founded over 200 years ago it has a presence in 22 countries worldwide Page 7 Copyright Oak International Finance v0.4

8 Purchasing via a SIPP (Self-Invested Personal Pension) You can actually purchase your interest in this product using your pension A SIPP is a form of pension plan that enables you to choose where your money is invested. Transfer some or all of the money from your existing poor performing pension schemes into a SIPP. Take control and maximise your returns from qualifying investments. Re-invest each year s returns into SIPP approved products and benefit from the potential growth from compounding. Allow the value of your SIPP to increase due to capital appreciation. At ages 55 to 75, you can take 25% of the fund value as a taxfree lump sum. *(Instead of the usual 65 as with typical personal pensions) Higher-rate taxpayers could invest 100,000 and get tax relief of 40,000 with all earnings within the fund based on the full 100,000 invested. * Correct at the time of writing Oak International Finance is not authorised or regulated by the Financial Services Authority, under the FSMA (2000 as amended), to provide financial advice. Any reference to Self Invested Personal Pensions, or pension rules as a whole are generic and for information only. We recommend that before making any decisions based on the information provided you should seek independent legal and financial advice. Page 8 Copyright Oak International Finance v0.4

9 How to Get Involved Purchase Process for your investment Step 1 Reservation form completed and sent to IPT (see Credible Parties or ask agent for IPT Brochure) via agent Step 2 Reservation fee paid to IPT Step 3 Reservation form sent from IPT to lawyers or pension trustees for processing Step 4 Purchase contracts issued to client lawyers by developer Step 5 Purchase contracts signed by client and returned to developer Step 6 First phase funds transferred to development via IPT Step 7 Membership certificate issued to client or pension trustees Investment Overview before/after purchase Investor reserves membership allocation Investor completes membership purchase Investor to receive 24% return on total capital investment Site with planning permission for the Minha Casa, Minha Vida scheme is acquired (smaller projects acquired for fast turnaround) Social Housing scheme is built (estimated build period Months) Social housing scheme is advertised to 50,000+ locals ready to buy in Natal Development is sold successfully within a 1 Month period (Developments currently selling out in just a few days) Investor receives 100% of their initial capital back Investor receives the 24% return within the 24 Month period Exit Strategy Explained The exit for investors is coordinated by Oak International Finance within a 24 Month period There will be no charge for the facilitation of this 100% capital return on initial investment at exit Page 9 Copyright Oak International Finance v0.4

10 Brought to you by: Oak International Finance is a partnership originally formed in 1990 specifically to take advantage of the opportunities presented at that time within the UK municipal leasing market. Previously, Oak s founder and current Chairman and CEO, George Rozwadowski, had been heavily involved in lease finance since 1977 when he worked for the then only publicly quoted city money brokers, RP Martin Plc. In 1980 he moved to IBL, a computer leasing company, where he headed lease finance operations. IBL was subsequently floated on the UK Stock Exchange in 1985, being the second largest flotation of that year and in 1988 he took over the European leasing operation of CIS, the then second largest third party leasing company in the world. With his exceptional experience in operating and discount finance, George Rozwadowski went on to found Oak International Finance in 1990, with an inaugural municipal leasing portfolio of 100m and with some 250m in cross border finance. Because of his depth of experience in the arrangement, structuring and provision of individually customised financial vehicles, George Rozwadowski was approached to structure a financing package of some 500m to raise capital for an early wind power project in Greece, which was completed successfully. This project first brought to his attention the viability of running a business around Ethical Investments and Finance and changed the direction of Oak International Finance s business focus. Oak International Finance still continues to provide infrastructural leasing and financing packages, as well as environmentally friendly virtualised IT solutions through other divisions within the Oak Group. The specific focus of Oak International Finance itself, however, is to enable a wider access to the ethical, yet profitable opportunities which have been created in recent years through the increased incidence and importance of ethical projects, via customised, structured, financial vehicles. For more information see website: Next Steps This bespoke investor report provides a valuable insight into purchasing a membership with Oak International Finance and their social housing offering. Please contact your dedicated sales advisor to discuss or request any of the following: P Investment appraisal P Payment Plan P Availability P Reserving your allocation Contact your agent for more info Page 10 Copyright Oak International Finance v0.4