Quick description of CGS, they way we work, and very simple planning.

1. Capital Growth Solutions

3. As professionals, we pride ourselves on the quality our service and the importance of building close relationships with all our professional clients

4. CGS was built of 3 fundamental principles…Investment Management

6. Working on Your behalf means we are looking for the investment solution that will make a difference in Your life and will help You reach Your goals

8. Confidentiality; the institutions are by law not allowed to disclose any information about their clients to any third party

9. Security; Stringent financial laws and guarantee protection on your capital

11. 3rd: Service - Building a closer relationship LONGTERM INVESTMENTS REQUIRE LONGTERM RELATIONSHIPS I WILL BE IN CONTACT WITH YOU ON A REGULAR BASIS, TO: Review: Your existing investment portfolio Advise: You on any changes and/or redirections from your existing holdings to new ones you may wish to make Update: Give You an update on the current market situation and introduce new products which may be of interest

12. How you should be structuring your money over time…

14. Equities

15. Property

16. Bonds

17. Other investmentsHow you should be saving 1 year + money

18. Why save like this… Short Term You need to have access to cash for immediate obligations like monthly bills, mortgage, travel… Medium Term Larger projects or obligations which will require more of your savings There is a trade off between how accessible your money is and how much you may receive from it Greater time span = Greater return

19. Why start today?

20. Projected Growth of £125 at 9%

23. Make up for the ‘shortfall’ YOUR PRIVATEPENSION Savings Short Fall Salary over time Age vs. Salary WAGES 80+ 65 41 Age State Pension State Pension We will help design a ‘master pension fund’ to pay you X amount for every year after you stop working. In essence, you will still be drawing a pay check but it is one you have planned for yourself.

24. Structureof Offshore Savings Plans Access your accumulation units to pay for a house or child’s education YOUR PRIVATE PENSION Common Offshore plan structure After Initial Period you can… Savings Short Fall Amount of Units Owned Increase contributions or add single payment, e.g. a bonus MONEY 65 41 Age State Pension Initial Contribution Units(First 18-25 months) Accumulation UnitsUnits bought after ICP is over(Flexible access)

25. Sector Risk Evaluation £ International Sectors (in £) – max. quarterly gains/losses ordered by sector volatility Money market UK Direct Property UK Gilt Defensive Managed £ Fixed Interest Global Fixed Interest Protected Guaranteed Cautious Managed Distribution Funds £ Other Fixed Interest UK Index-Linked Gilts Balanced Managed UK Equity Income Flexible Managed North American Equities UK Smaller Companies Unclassified Asia Pacific inc. Japan UK Property Securities Japan Global Emerging Markets Asia Pacific ex Japan Commodity / Energy Global High Yield Global Equities UK All Companies Europe w/ UK Equities Europe ex UK Volatility – 5 Years to Jan. 31, 2008 RS Informer Feb. 2008

26. Sector Risk Evaluation € International Sectors (in €) – max. quarterly gains/losses ordered by sector volatility Money market Defensive Managed £ Other Fixed Interes UK Gilt Global Fixed Interest £ Fixed Interest Cautious Managed UK Direct property Distribution Funds Protected / Guaranteed UK Index-linked Gilts Balanced Managed Flexible Managed Global High Yield North American Equities UK Smaller Companies Unclassified Asia Pacific inc. Japan UK Property Securities Japan Global Emerging Markets Asia Pacific ex Japan Commodity / Energy UK Equity Income Global Equities UK All Companies Europe w/ UK Equities Europe ex UK Volatility – 5 Years to Jan. 31, 2008 RS Informer Feb. 2008

27. How much do you need in the ‘Master Fund’? Assumed amount needed per month € 2,000 What will you need annually? Master Fund Market returns over longer term € 240,000 € 24,000 10% Growth Rate Closer to retirement = less volatile investments € 480,000 5% Growth Rate Don’t forget inflation. Western inflation is just around 3%; In 25 years you will need € 2.09 for every € 1 today (x 2.0938) Value in 25 years € 1,005,000 € 50,250 p.a.

29. Any Questions? Liam Crow – IFA (MBA) Capital-Growth-Solutions.com Budapest Hungary Office: +361 301 0199 Mobile: +3670 549 4528 l.crow@capital-growth-solutions.com