Invest5Star Presents A Unique Investment Model

Invest5star – Briefly...... Like you we are investors. Invest5star consists of Kim and Mike Withey, serious husband and wife entrepreneurs. We have a portfolio based mainly in the UK but also Spain & The Caribbean Between us we have over 20 years of property investing experience We became excited about this investment for ourselves first We then invested in this ourselves before sharing it with others We specialise in doing vast amounts of due diligence We support you in doing your own research and endeavour to explain how this clever business model works

Invest5star – Briefly......

Like you we are investors. Invest5star consists of

Kim and Mike Withey, serious husband and wife entrepreneurs.

We have a portfolio based mainly in the UK but also Spain & The Caribbean

Between us we have over 20 years of property investing experience

We became excited about this investment for ourselves first

We then invested in this ourselves before sharing it with others

We specialise in doing vast amounts of due diligence

We support you in doing your own research and endeavour to explain how this clever business model works

Developer – Briefly...... The biggest developer in the Caribbean but based in the UK in Basildon Essex All land unencumbered* Business growing year on year and consistently winning business awards They do not rely on bank funding for creating the resorts Government backing. Largest employer in St Vincent after the government Developing in an environmentally friendly way. Good ethics Comprehensive feasibility studies carried out on developments The developer will be your long term business partner, as will retain an interest in the running of the resorts. * Assumed mortgage on one resort inherited with the acquisition of the land

Developer – Briefly......

The biggest developer in the Caribbean but based in the UK in Basildon Essex

All land unencumbered*

Business growing year on year and consistently winning business awards

They do not rely on bank funding for creating the resorts

Government backing. Largest employer in St Vincent after the government

Developing in an environmentally friendly way. Good ethics

Comprehensive feasibility studies carried out on developments

The developer will be your long term business partner, as will retain an interest in the running of the resorts.

* Assumed mortgage on one resort inherited with the acquisition of the land

Why the Caribbean? Beautiful location Established tourist market Year round destination (weather) High occupancy rates (high rental yields) No capacity for overbuild Tax benefits for investors It has blue chip investment google

Beautiful location

Established tourist market

Year round destination (weather)

High occupancy rates (high rental yields)

No capacity for overbuild

Tax benefits for investors

It has blue chip investment

The Basic Business Model Purchase 40-50% below comparables Fully furnished & 2 years 10% rental guarantee followed by 50/50 net room rate split Assignable contracts 100% finance after paying just 30% Deposit Various completion dates for each resort Managed & marketed by 5* hotel group with large chain of travel agencies & own airline 30 days’ free use per year build

The Basic Business Model

Purchase 40-50% below comparables

Fully furnished &

2 years 10% rental guarantee followed by 50/50 net room rate split

Assignable contracts

100% finance after paying just 30% Deposit

Various completion dates for each resort

Managed & marketed by 5* hotel group with large chain of travel agencies & own airline

30 days’ free use per year

The Hotel Chain Globalia – The parent group has it’s own ... Dedicated airline - Air Europa Over 2000 travel agents in Europe and the USA Deal with almost all major UK travel companies Currently undertaking a huge expansion plan Oasis – The hotel chain operates in Spain and the Caribbean Achieving over 96% occupancy as a yearly average Already operates 37 hotels in Spain and the Caribbean

Globalia – The parent group has it’s own ...

Dedicated airline - Air Europa

Over 2000 travel agents in Europe and the USA

Deal with almost all major UK travel companies

Currently undertaking a huge expansion plan

Oasis – The hotel chain operates in Spain and the Caribbean

Achieving over 96% occupancy as a yearly average

Already operates 37 hotels in Spain and the Caribbean

Facilities and Features 5 Star hotelier Swimming pools Restaurants & bars Floating bar Casino Dive centre The Island Sanctuary Spa Cinema Signature Golf Course Helipad Galleon Ship (St. V) Conference facilities Sales Office Sports Academies Lagoons containing koi carp (St. V) Designer shops Excursion centre Marina Library

5 Star hotelier

Swimming pools

Restaurants & bars

Floating bar

Casino

Dive centre

The Island Sanctuary Spa

Cinema

Signature Golf Course

Helipad

Galleon Ship (St. V)

Conference facilities

Sales Office

Sports Academies

Lagoons containing koi carp (St. V)

Designer shops

Excursion centre

Marina

Library

Sports Academies Gary Player Signature Golf Courses Pat Cash Tennis Academies Liverpool FC Football Academies Equestrian Centres

Gary Player Signature Golf Courses

Pat Cash Tennis Academies

Liverpool FC Football Academies

Equestrian Centres

Spa Islands on each Resort Private island within a 5 star resort Villa within own private grounds offering complete seclusion Exclusive Island Sanctuary Spa and Restaurant Multi spray shower and an outdoor rain shower Infinity swimming pool State of the art entertainment system Limousine airport to door

Private island within a 5 star resort

Villa within own private grounds offering complete seclusion

Exclusive Island Sanctuary Spa and Restaurant

Multi spray shower and an outdoor rain shower

Infinity swimming pool

State of the art entertainment system

Limousine airport to door

Payment Schedule £1,000 on reservation Remainder of 30% of purchase price in 45 days Additional 25% on foundation Additional 25% at raw construction Additional 15% at roof construction Final 5% on completion However, none of these final four stage payments will be requested under the 100% finance arrangement. These will be met by the developer who will charge you a nominal interest and add this to the final balance due.

£1,000 on reservation

Remainder of 30% of purchase price in 45 days

Additional 25% on foundation

Additional 25% at raw construction

Additional 15% at roof construction

Final 5% on completion

However, none of these final four stage payments will be requested under the 100% finance arrangement. These will be met by the developer who will charge you a nominal interest and add this to the final balance due.

Payment Schedule £1,000 on reservation Remainder of 30% of purchase price in 45 days Additional 25% on foundation Additional 25% at raw construction Additional 15% at roof construction Final 5% on completion

£1,000 on reservation

Remainder of 30% of purchase price in 45 days

Additional 25% on foundation

Additional 25% at raw construction

Additional 15% at roof construction

Final 5% on completion

Upon Completion.... The developer will now assist in obtaining a 70% LTV mortgage (final value at completion) The business model is such that it is expected that you will get back your 30% at this stage and the mortgage will be sufficient to pay the final balance to the developer including the stage payment interest. You will then receive a guaranteed 10% rental for two years which will not return you huge profits at this stage but will cover your costs and of course the value of your asset will continue to rise all the time. ........ and remember you now have NO money left in....

The developer will now assist in obtaining a 70% LTV mortgage (final value at completion)

The business model is such that it is expected that you will get back your 30% at this stage and the mortgage will be sufficient to pay the final balance to the developer including the stage payment interest.

You will then receive a guaranteed 10% rental for two years which will not return you huge profits at this stage but will cover your costs and of course the value of your asset will continue to rise all the time.

........ and remember you now have NO money left in....

Upon Completion.... The developer will now assist in obtaining a 70% LTV mortgage (final value at completion) The business model is such that it is expected that you will get back your 30% at this stage and the mortgage will be sufficient to pay the final balance to the developer including the stage payment interest. You will then receive a guaranteed 10% rental for two years which will not return you huge profits at this stage but will cover your costs and of course the value of your asset will continue to rise all the time. ........ and remember you now have NO money left in.... ...........And you also have 30% Equity on completion!!!

The developer will now assist in obtaining a 70% LTV mortgage (final value at completion)

The business model is such that it is expected that you will get back your 30% at this stage and the mortgage will be sufficient to pay the final balance to the developer including the stage payment interest.

You will then receive a guaranteed 10% rental for two years which will not return you huge profits at this stage but will cover your costs and of course the value of your asset will continue to rise all the time.

........ and remember you now have NO money left in....

...........And you also have 30% Equity on completion!!!

Example.... Property price £100,000 (Actual £170,000.00 based on current local comparables) £ Reservation fee 1,000.00 30% deposit within 45 days 29,000.00 _______ Balance due on completion to developer 70,000.00 ADD Repay the Loan Interest 10% @ £242 pcm x 24 mths 5,808.00 Interest only on the stage payments approx. 6,000.00 ________ 11,808.00 70% mortgage on completion based on LTV @ £170,000.00 119,000.00 Repay the £30,000 deposit (£1,000.00 plus £29,000.00 Loan) (30,000.00) Pay the balance now due to developer incl interest (81,808.00) Leaving the Investor with cash in your pocket £7,192.00

Property price £100,000 (Actual £170,000.00 based on current local comparables) £ Reservation fee 1,000.00 30% deposit within 45 days 29,000.00 _______

Balance due on completion to developer 70,000.00

ADD Repay the Loan Interest 10% @ £242 pcm x 24 mths 5,808.00

Interest only on the stage payments approx. 6,000.00 ________ 11,808.00

70% mortgage on completion based on LTV @ £170,000.00 119,000.00

Repay the £30,000 deposit (£1,000.00 plus £29,000.00 Loan) (30,000.00)

Pay the balance now due to developer incl interest (81,808.00)

Leaving the Investor with cash in your pocket £7,192.00

Rental Yields £100,000 Studio Year 1: 10% guaranteed = £10,000 Year 2: 10% guaranteed = £10,000 First two years you have the rental guarantee After 2 years you share profits with Harlequin and Oasis 50/50 net.................example; Based on 85% occupancy (365 x 85% = 310 nights per year) £200 per night 50/50 net Room Rate share: £100 per night to you 310 nights (85%) x £100 = £31,000 p.a. Approx 31% yield Net rental profit approx £21,500 after paying mortgage

£100,000 Studio

Year 1: 10% guaranteed = £10,000

Year 2: 10% guaranteed = £10,000

First two years you have the rental guarantee

After 2 years you share profits with Harlequin and Oasis

50/50 net.................example;

Based on 85% occupancy (365 x 85% = 310 nights per year)

£200 per night

50/50 net Room Rate share: £100 per night to you

310 nights (85%) x £100 = £31,000 p.a.

Approx 31% yield

Net rental profit approx £21,500 after paying mortgage

Exit Strategies 1.Flip Prior to Completion - reserve as early as possible - buy what is most popular - have the developer market for you 2. Complete & Keep for 1-3 Years - greater capital gain - choose best time to sell 3. Complete, Keep Long Term & Refinance - enjoy ongoing cash flow - release equity when you choose (over and over)

1.Flip Prior to Completion - reserve as early as possible - buy what is most popular - have the developer market for you

2. Complete & Keep for 1-3 Years - greater capital gain - choose best time to sell

3. Complete, Keep Long Term & Refinance - enjoy ongoing cash flow - release equity when you choose (over and over)

The End Result Only ever 30% tied up for 2 – 4 years All invested money back out on completion (with potential cash back!) Capital growth, PLUS approx 20% NET yield after 2 yr rental guarantee period INFINITE returns from completion 30%+ Equity in your property at completion You are now in business with the developer, Trader Vics, Oasis, Globalia, Gary Player, Pat Cash and Liverpool FC!!

Only ever 30% tied up for 2 – 4 years

All invested money back out on completion (with potential cash back!)

Capital growth, PLUS approx 20% NET yield after 2 yr rental guarantee period

INFINITE returns from completion

30%+ Equity in your property at completion

You are now in business with the developer, Trader Vics, Oasis, Globalia, Gary Player, Pat Cash and Liverpool FC!!

Well that’s it in a nutshell. If you wish you can now email us for more information or call us on 0845 6436627 and leave your name and contact details if we are not in the office. Or contact us direct on our mobiles 07775 666063 or 07866434665 You could even join us at one of our frequent events, online, visit www.invest5star.com for details

Thank you and I hope to meet or speak to you soon Mike Withey – [email_address] +44 (0) 7866 434665 Mike Withey Just ensure you do it soon to avoid any imminent price increases!

Thank you and I hope to meet or speak to you soon

Mike Withey – [email_address]

+44 (0) 7866 434665

Mike Withey

Just ensure you do it soon to avoid any imminent price increases!