What is Eb-5? The U.S. Citizenship and Immigration Services (“USCIS”) administers the EB-5 program, created by the U.S. Congress in 1990 to stimulate the U.S. economy through job creations and capital investment by foreign investors. Basically, it enables foreign investors to obtain a green card (permanent resident card) through the investment of US $500,000 in the U.S. ($1 million if the project is NOT located within the “Targeted Employment Area”). One investment can bring the spouse and children that are under the age of 21. Each investment must create 10 jobs for U.S. qualified workers. Please see the following summary of the EB-5 Program. About us? Koa Overseas Consultants, Ltd. (“KOC”) is the Golden Pacific Regional Center, which is USCIS providing services for the EB-5 Program, to help Indian Investors get US citizenship. We have offices located in Shanghai, Shenzhen, Hawaii, California and New York. Up-to-date, we, as a group, have raised over 35 million via EB-5 investors for the development of two nursing facilities in Hawaii and sponsored approximately 70 investors to immigrate to the U.S. We are a team of professionals with strong background in real estate finance and constructions. Contact us to apply for the Green Card through the EB-5 program in the smoothest and easiest way. Let's make your USA dream come true together! Contact- Darpan Agarwal Project Manager (India) Mob/Whatsapp:- +91-75320-99689. Please leave me a message on Whatsapp for more information and any queries.

1. Aloha! Welcome to Hawaii!

2. Hawaii Big Island
Mission Hills Whales Point Luxury Villas EB-5 Program

3. Established in 2011, Koa Overseas Consultants specializes in EB-5 immigration
investments and overseas property investments. We have offices in Shanghai,
Hawaii, California, Bali and soon Jakarta. Our one-stop service enables us to build
deep relationships with our clients and create solid value for investors.
As of this date, we have already successfully helped over 210 investors and their
families obtain residency in America.

4. Big Island, Hawaii
Regency Nursing Center in Hilo
Fully operational since Oct. 2015
I-526 100% Approval Rate
I-829 100% Approval Rate
Maui, Hawaii
Regency Nursing Center in Kihei
Construction to begin in 2017
I-526 100% Approval Rate
I-829 Starting in 2018
Previous EB-5 Projects

5. What’s EB-5?
$500,000 investment fund
Invested in Targeted Employment Area
EB-5 project must create 10 jobs per
investor, but investors need not be involved
in the project’s operation
No requirements for age, working
experience, education level or language
fluency
Qualified investors can obtain green card
Live anywhere in the U.S.

6. Benefits of Green Card
Can open a company and do business in USA
No need for visa to entry; visa-free travel to
174 countries
Live and work in any of the 50 states
Obtain citizenship after 5 years of green card
Enjoy American education just like Americans –
meaning you pay half or even less for tuition
for state universities
Better chance of admittance to US universities,
competing as a US applicant not international
applicant

7. Regional Center
Approval
Check here: www.uscis.gov
TEA Approval I-526 Approval

8. July 2016 Visa Backlog
Working Visa Non-specified
regions
China
Mainland
India Mexico The Philippines
EB-1 C C C C C
EB-2 C Jan 1
2010
Nov 1
2004
C C
EB-3 Mar 1
2016
Jan 1
2010
Oct 22
2004
Mar 1
2016
Feb 15
2009
Other types Mar 1
2016
Jan 1
2004
Oct 22
2004
Mar 1
2016
Feb 15
2009
EB-4 C C C Mar 1
2010
C
Religious
Employee
C C C Mar 1
2010
C
EB-5 Non Regional
Center
C Feb 15
2014
C C C
EB-5 Regional
Center
C Feb 15
2014
C C C
Notes:
C means current
This backlog is only applicable to Form A

9. I-526 Immigrant Petition by Alien Entrepreneur

13. EB-5 Filing Average Processing Time

14. EB-5 Visa Total Issuance
(Increased 1,118% in 2006-2015)
[Source: Congress]
Notes: 2016 Fiscal Year is up to date as of second quarter

15. EB-5 Visa Issuance and I-485 Issuance（FY2004-FY2015 by country)
China Other Top 10

16. EB-5 – FY 2015 Top 5 Cities of Visa Issuance
(As of Sep 30)
[Source: Congress]
C5 – Non Regional Center (Non-TEA), conditional residency
T5 – Non Regional Center (TEA), conditional residency
I5 – Pilot Program（TEA）Immigrant Visa, conditional residency
R5 – Pilot Program (Non-TEA) Immigrant Visa, conditional residency

17. Hawaii & Big Island
• Hawaii consists of eight main islands and 124 smaller islands with a population of 1.5
million people
• Hawaii Island (aka Big Island) has 10,000 square kilometers and about 190,000 residents

18. Hawaii: Top State For Billionaires
Howard Schultz
• Starbucks CEO
• $25 million home on Big
Island
Michael Dell
• Dell CEO
• $68 million home on
Big Island
Larry Ellison
• Oracle Founder
• $600 million to buy
Lanai island
Charles Schwab
• Charles Schwab
Chairman
• $23 million home
on Big Island
George R Roberts
• KKR Co-founder
• $22 million home
on Big Island
Mark Zuckerberg
• Facebook CEO
• $135 million home on
Kauai island

19. BIG ISLAND KOHALA COAST

20. • The most popular area of attraction on
Big Island
• The beaches along this crescent boast
turquoise seawater and fine white sand
• State-of-the-art resorts located on
huge lush oasis enriched by lava
• Five-star hotel amenities include
swimming pools, water parks, spas, and
restaurants
• Over twenty world-class golf courses
KOHALA COAST

21. Aina Le’a Community
Appr. 440 million square meters
• Located on the famed Kohala Coast
• Cool breezes with spectacular
mountain and ocean views
• Less than 5-minute drive to several
luxury hotels and beaches
• 20-minute drive from Kona
International Airport

22. The Villages of Aina Le’a
• The Aina Le’a community will be developed as 18 individual villages within the master plan
• The village of Aloalo includes Whales Point Luxury Villas, Mission Hills golf course and lodge
• In the village of Lulana Garden as of this date 32 town homes have been built and the remaining 24 are under
construction
• The community includes 1,994 residential lots, commercial center, tournament golf course, school, walking trails
and parking sites

23. Aina Le’a Inc.
（Whales Points Villas Guarantor）
• Aina Le’a develops and manages the master plan community of Aina Le’a
• Largest developer on Big Island
• Global Partners in China, Hong Kong, Malaysia, Singapore, South Korea and Japan
• Company preparing to be listed on NASDAQ

24. Winston Yau Kwok Seng - Capital Asia Group CEO
• Singapore-based investment sales organization with an extensive distribution network
• Pioneered the development of the “Land Banking System”; grossing over 200 million USD in
annual land banking sales since 2009
• Investment in Aina Le’a Inc. 45 million USD
Wu Zheng - Chairman of Shanghai Zhongyou Real Estate Co., Ltd.
• Managed numerous large commercial and residential land projects across China
• Zhongyou Group has over 1,000 employees
• Influential Chinese real estate developer who also owns Hohhot Zhongyou soccer club
• Investment in Aina Le’a Inc. 16 million USD
Robert J. Wessels - President of Aina Le’a Inc.
• Extensive experience in real estate finance, land ownership, development and master plan
communities
• Board of directors with two NYSE listed companies and three NASDAQ listed companies
• Investment in Aina Le’a Inc. 19 million USD
Aina Le’a Major Stakeholders

25. Bank management – Bank of Hawaii
• Founded in 1897, the largest independent financial institution in Hawaii
• Bank of Hawaii has the most accounts, customers, branches and ATMs in the state of Hawaii
• Whales Point Fund escrow account is managed by Bank of Hawaii
Aina Le’a Professional Consultants
SEC Counsel - Greenberg Traurig LLP
• International law firm founded in 1967
• 1,800+ attorneys and 37 offices in the US, Latin America, Europe, Middle East and Asia
• SEC compliance for Aina Le’a
External accountant/ auditor - UHY International
• Established in 1986 and based in London with offices in the US and China
• Offices in over 296 major business centers across more than 89 countries

26. Mission Hills
Whales Point Operator
• Mission Hills is one of the world’s highest-rated golf and
leisure resort companies
• Mission Hills will be the manager of Whales Point villas,
signature golf course, luxury lodge and boutique hotel
• Mission Hills owns the world's largest golf complex with 12
courses featuring a total of 216 holes accredited by the
Guinness World Records
• Mission Hills Golf Club has hosted over 50 international
matches and is regularly visited by celebrities, royalty, world
business leaders and the world's greatest golfers

27. Whales Point Detail
• Development of 48 luxury villas with 3-4 bedroom suites
• Raising up to $34 M via EB-5 funding (up to 68 EB-5 investors)
• Job Creation: 708 (RIMS II Formula)
• EB-5 funds are the senior loan. The loan is secured by the
land, buildings and fixtures of Whales Point as well as a
corporate guarantee from Aina Le’a Inc.
• The amenities include full concierge and butler services,
swimming pool, gym, spa and first-class housekeeping service

28. Hawaii Tourism Market Forecast
• The state of Hawaii has seen a growth rate of nearly 40% for luxury vacation rentals in the past four years.
• Luxury and deluxe rentals now make up 61.8% of all rentals in the state of Hawaii
• The Big Island has over 1.4 million visitors annually who occupy over 10,800 units with an average stay of 8 days
• Mission Hills will manage Whales Point Villas as VIP amenities to ensure occupancy rate

29. Whales Point Site Plan

30. Luxury Resorts on Big Island

31. Luxury Resorts on Big Island

32. Luxury Resorts on Big Island

33. Luxury Resorts on Big Island

34. Project: Whales Point, A Vacation Rental Resort
Borrower/Developer: Island Vistas, LLC (subsidiary of Aina
Le’a Inc)
Collateral: First-position security interest in the project
Operator: Mission Hills
Guarantor: Aina Le’a Inc
Whales Point Fund, LLP
Whales Point Lender Manager,
LLC
68 EB5 Investors
Loan
Lender
Borrower
General Partner (1%) Limited Partner (99%)

35. EB-5 Investors
$34M
67%
Owner's Equity
$16.95M
33%
Financing Structure
Project Cost: $50,950,000 USD

36. Whales Point: Debt More than 90% of EB-5 Projects: Equity
Investment return risk is minimized by no bank involvement.
We and the EB-5 investors ARE the de facto Bank in this
debt project
Our EB-5 investors are first position beneficiaries when the
loan is paid back. Before the loan is paid back, investors
possess the legal title to all land, buildings and fixtures as
collateral. In case of loan default, investors retain the right to
auction the property to recoup their investment
We are the fund manager, not the developer! We supervise
the development process, including the secure and gradual
disbursement of funds from a third-party escrow account to
the developer
X In equity projects, developer uses EB-5 investment as down
payment to borrow money from the bank. EB-5 investors are
the only risk-bearer
X Any bank involved in the project is the first position
beneficiary, not the EB-5 investors! It will auction all the
collateral to pay itself back in case of default, and the
remainder (if there is any) then goes to pay back the investor
X No matter what, whether the project succeeds or fails,
developer can still profit from his fee earned by financing the
EB-5 investment

37. Source of Funds
• The Department of Homeland Security requires that
EB-5 investors must prove that their $500,000 EB-5
investment capital is from a legal source
• Legal sources of funds include employment income,
investments, sales of property, cash gifts and
inheritance. The funds can come from one or several
sources combined
• An immigration law firm prepares Verification of
Source of Funds Report through understanding of
document requirements set by USCIS

38. Why choose Whales Point as your EB-5 Investment
• We use a debt structure instead of equity. Investors have title deed to the land, buildings, and fixtures as collateral
• No bank involvement! Whales Point Fund, LLP is first position beneficiary
• The Loan is further guaranteed by Aina Le’a Inc
• Job Creation calculated by the renowned Dr. Michael Evans, who has already completed over one hundred and twenty EB-5 job
creation reports, all of which have been accepted by USCIS to date
• In the loan documents, terms and conditions exist to guarantee this project fulfills USCIS job creation requirements
• We have previously created and managed two EB-5 projects successfully, and we can guide you through the complete process