Up to 18.08% NET annual returns

This brochure has been produced and distributed by COV Overseas Marketing Ltd with registration number 1783983O. The content contained within should not be construed as COV Overseas Marketing Ltd making an offer to sell, nor an invitation to subscribe for or invest in the company and the content provides information only. No representation or warranty, expressed or implied, is or will be made as to the accuracy or completeness of the information including all projections or opinions contained in the text and no liability is accepted by COV Overseas Marketing Ltd and/or its directors, agents or employees. By accepting the content the recipient agrees not to reproduce and/or distribute this whole or in part.

2

Market LeadingInvesting in property is a desirable proposition for a number of forward thinking investors, with the main attraction being that you own a tangible asset.

In addition, renovating a property allows you to increase its worth, while renting it out allows you to make an income whilst it appreciates in value.

One of very few drawbacks with property investment is knowing where to invest. Countries, cities and even individual developments have their own microeconomics and it takes a lot of time and energy to find an area that suits you.

Investing in property in Circle Oaks Village offers a great opportunity for significant returns with a minimal initial outlay.

These properties come renovated to a high standard and can be either lived in or rented at the buyers discretion. By accepting the existing third party rental offer, investors will have the property immediately tenanted, saving them time and money and allowing them to draw an income from their property almost immediately.

Circle Oaks VillageSituated in the metropolitan area of Charlotte, North Carolina, Circle Oaks Village offers investors the chance to make the most of everything that this growing region has to offer. Recent investments in infrastructure have led to businesses moving to the area which is increasing local populations and increasing demand for housing. This has made it an ideal location for property investment.

Circle Oaks Village is set in 13 acres and is made up of 29 buildings comprising of a mixture of 1, 2 and 3 bedroom apartments. In total Circle Oaks Village has 126 properties perfectly situated just 20 minutes from Charlotte and within easy reach of business districts, local schools and recreational facilities.

These turnkey properties are available now for as little as $68.927 and offer minimum guaranteed returns of up to 18.08% on capital invested for the first 5 years, based on the financed investment scenario.

The InvestmentProperties in Circle Oaks Village are now available to selected investors and have been fully refurbished to a high standard, fully tenanted and are generating income.

This means that investors will be able to make significant returns through the area’s strong rental market from the day of purchase, whilst holding the title and capitalising on capital growth as the local area continues to flourish.

In addition to offering great returns, the management company pays the outstanding 40% up front to the lawyers escrow account before closing. This means that for an investment of just $41.356,56 you can purchase a property valued at $68.927,60 and there is nothing more to pay as the management company pays the remaining balance in order to obtain the right to lease the property for the next 5 years. Not only this but they will cover all maintenance, management and property taxes, and you will also receive a preferential cash return of 4.75% on invested capital per annum.

Financed Investment ScenarioPurchase price $68.927,60

Deposit amount 60% $41.356,56

Amount to finance 40% $27.571,04

Closing costs $1,325.00

4.75% guaranteed return for 5 years $1.964,43

Management companies 40% contribution $27.571,04

Accumulative return over 5 years $37.393,22

Return on invested capital 90.41%

Cash Investment ScenarioPurchase price $68.927,60

Deposit amount 60% N/A

Amount to finance 40% N/A

Closing costs $1,325.00

8.75% yearly guaranteed return $6.031,16

Management companies 40% contribution N/A

Accumulative return over 5 years $30.155,80

Return on invested capital 43.75%

* 90.41% is the total return accumulated from the net rental income plus the 40% from the management company contribution; over a 5 year period on the cash deposited.** Returns are before income tax.

This brochure has been produced and distributed by COV Overseas Marketing Ltd with registration number 1783983O. The content contained within should not be construed as COV Overseas Marketing Ltd making an offer to sell, nor an invitation to subscribe for or invest in the company and the content provides information only. No representation or warranty, expressed or implied, is or will be made as to the accuracy or completeness of the information including all projections or opinions contained in the text and no liability is accepted by COV Overseas Marketing Ltd and/or its directors, agents or employees. By accepting the content the recipient agrees not to reproduce and/or distribute this whole or in part.

3

Charlotte is growing due to a combination of increased investment in the area along with a highly educated workforce, favourable business legislation and low land and property prices. This is attracting a huge number of businesses to the area which is lowering unemployment levels and attracting more and more people.

CharlotteCharlotte is the 17th largest city in the US and is still growing. The area’s world class infrastructure and vibrant, expanding economy has made it increasingly popular amongst businesses and home owners, making it the perfect place to invest in property.

With 291 of the Fortune 500 companies represented in one way or another in Charlotte (including 17 Fortune 500 companies headquartered in the area), it is perhaps not surprising that Charlotte has the 4th fastest moving job market in the USA and was named the “Best place for business and careers” by Forbes magazine.

Fortune 500 companies headquartered in CharlotteRank Company Local Employment21 Bank of America Corp. 15,00052 Lowe’s 7,670123 Duke Energy 7,800150 Nucor 100271 Family Dollar Stores 2,670309 Sonic Automotive 610469 Domtar 400503 SPX 350519 Harris Teeter Supermarkets 8,240553 Resolute Forest Products 850603 Belk 2,975616 American Tire Distributors 405631 Carlisle 35660 CommScope Holding Cie 1,820690 Babcock & Wilcox 163717 Chiquita Brands Int. 350833 Curtiss-Wright Corporation 417

Bank of America is headquartered in Charlotte which has played a major part in making it the second biggest banking city in the US. However, banking isn’t Charlotte’s only business. The region has recently become a hub for energy companies earning it the nickname “The New Energy Capital”. The energy sector employs over 26,400 people with more jobs announced each day. Other business sectors well represented in Charlotte include aerospace, life sciences, film and motorsports and the area continues to grow.

Since 2000 over $33 billion has been invested in Charlotte which is estimated to have brought over 20,000 jobs to the area. According to Ronnie Bryant, president and CEO of the Charlotte Regional Partnership: “When you talk with people whose companies have moved or expanded in Charlotte, you’ll hear the same thing over and over again; our region has outstanding accessibility, a talented workforce and a business-friendly climate. Those are the reasons that they cite, but if you talk to them longer, another reason they came – or have stayed – is our culture of collaboration, vibrant urban core and generally outstanding quality of life”.

Charlotte’s improved infrastructure makes it perfect for both businesses and home owners. Charlotte is centrally located between the northeast and the southeast and is well served by a number of major highways, three Amtrak routes and Douglas International Airport – The sixth busiest airport in the world.

Charlotte Douglas International serves destinations across the US as well as Canada, Central America, the Caribbean, Europe and South America. The airport continues to grow, having recently broken its all-time passenger traffic record. Last year the airport opened the Charlotte Regional Intermodal Facility which has the capacity to move 200,000 containers annually. Such capabilities have only served to make the area even more attractive to businesses. Thanks to Charlotte’s well developed infrastructure, people and products based in the region can reach 60% of the US market in one day.

In addition to a flourishing business market, Charlotte offers a wide array of recreational activities for its inhabitants. Many of these facilities serve to attract holiday makers and visitors to the area, further boosting the local economy.

Charlotte has over 17,600 acres of parkland and plenty of additional attractions including Carowinds Amusement Park, the US National Whitewater Center and the NASCAR Hall of Fame museum. Nearly 75% of NASCAR industry employees live in the Charlotte region and a huge number of fans visit Charlotte and the hall of fame museum every year.

Charlotte has a great transport network, great infrastructure, recreational facilities to meet all tastes, a quick moving jobs market and below average property prices. All of which serves to make it an attractive proposition to home buyers, renters and investors.

As Ronnie Bryant says: “We have a diverse mix of neighbourhoods and communities; a vibrant urban core with a host of cultural and entertainment amenities; an unparalleled park and greenway system; award winning schools; and an international business community that offers a wealth of opportunities. Charlotte is simply a wonderful place to live, work and raise a family.”

This brochure has been produced and distributed by COV Overseas Marketing Ltd with registration number 1783983O. The content contained within should not be construed as COV Overseas Marketing Ltd making an offer to sell, nor an invitation to subscribe for or invest in the company and the content provides information only. No representation or warranty, expressed or implied, is or will be made as to the accuracy or completeness of the information including all projections or opinions contained in the text and no liability is accepted by COV Overseas Marketing Ltd and/or its directors, agents or employees. By accepting the content the recipient agrees not to reproduce and/or distribute this whole or in part.

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Investment in CharlotteHome prices in Charlotte have seen steady growth since 2010 and continue to grow. This is not built on speculation or an improving global economy, but on the sound economy of Charlotte itself and the wider North Carolina state. Business is booming in Charlotte which is attracting more investment and continuing to improve the already fast moving jobs market. As more and more people move to the area to make the most of the low unemployment rate and brilliant facilities, demand for property is increasing and beginning to overtake supply.

Median home value $97,300Median price of homes listed $132,900Median price of homes sold $116,750Average median rent price $1,175

Demand for housing in Charlotte continues to grow at a phenomenal pace. This is driven by a number of factors including:

9 The cost of living in Charlotte is 9% lower than the national average (according to payscale.com).

9 Charlotte has the 4th fastest job market in the USA.

9 House prices in Charlotte are 23% below the national average.

9 Rents in the area increased 6.4% in 2014.

9 Charlotte is the USA’s second biggest financial center.

9 Bank of America is headquartered in Charlotte.

9 New and expanding businesses have invested more than $33 billion in the region since 2000, creating nearly 150,000 jobs.

9 Chiquita Brands International has moved their global headquarters to Charlotte bringing over 400 jobs to the area.

9 Apple has recently built a $1 billion state-of-the-art data center in the area.

9 Rockwood Lithium has recently opened its Global Technical Center in the area.

9 Companies such as Lowe’s, SPX, Duke Energy and Goodrich call the region home.

9 International companies such as Michelin, Toshiba, Hitachi and Electrolux have major operations in Charlotte.

9 More than 900 international companies have a presence in the region, the largest concentration of foreign-owned businesses between Washington, D.C. and Atlanta.

9 Charlotte has built significant industry clusters in aerospace, life sciences, energy, film production and motorsports.

9 Charlotte Douglas International Airport is the world’s sixth-busiest airport with over 700 departures a day to more than 135 destinations.

9 Named “Best place for business and careers” by Forbes Magazine.

1985

150

75

02014

S&P/Case-Schiller NC-Charlotte home price

us.spindices.com

This brochure has been produced and distributed by COV Overseas Marketing Ltd with registration number 1783983O. The content contained within should not be construed as COV Overseas Marketing Ltd making an offer to sell, nor an invitation to subscribe for or invest in the company and the content provides information only. No representation or warranty, expressed or implied, is or will be made as to the accuracy or completeness of the information including all projections or opinions contained in the text and no liability is accepted by COV Overseas Marketing Ltd and/or its directors, agents or employees. By accepting the content the recipient agrees not to reproduce and/or distribute this whole or in part.

5

Gastonia’s popularity has led to a situation where developers are struggling to keep up with demand. This has put further upward pressure on house prices and rents in the area.

Average rent for home Gastonia, NC or apartment 2015

Studio Apartment $5341 Bedroom Home or Apartment $5902 Bedroom Home or Apartment $698

3 Bedroom Home or Apartment $9424 Bedroom Home or Apartment $1,168

Source: Sperling’s best places (www.bestplaces.net)

While Gastonia’s growth has, in part been down to the continued growth of the Charlotte area and the money invested there, it is also down to the cities own sound economic footing. It is this that makes it such a good option for investment. Historical data, recent announcements and analyst predictions all forecast continued steady growth for Gastonia making it the perfect place for investing in property.

GastoniaGastonia, much like Charlotte has seen incredible growth over the past few years. This is partly due to its proximity to Charlotte but also due to its own growing economy, and low unemployment rate.

Gastonia is well connected and perfectly situated to make the most of what the larger Charlotte area has to offer. The recent improvements to infrastructure and public transport has meant that people working in Charlotte are beginning to notice the lower rents and house prices in the metropolitan areas outside of the city and are moving to these areas. This, along with increasing numbers of jobs in Gastonia is causing people to snap up vacant properties as they become available and prices to appreciate as demand outstrips supply.

7%Vacant

53%Owner

occupied

Home habitation in Gastonia

40%Renter

occupied

2009

$120k

$60k

$02014

Home sales

www.city-data.com

This brochure has been produced and distributed by COV Overseas Marketing Ltd with registration number 1783983O. The content contained within should not be construed as COV Overseas Marketing Ltd making an offer to sell, nor an invitation to subscribe for or invest in the company and the content provides information only. No representation or warranty, expressed or implied, is or will be made as to the accuracy or completeness of the information including all projections or opinions contained in the text and no liability is accepted by COV Overseas Marketing Ltd and/or its directors, agents or employees. By accepting the content the recipient agrees not to reproduce and/or distribute this whole or in part.

6

This brochure has been produced and distributed by COV Overseas Marketing Ltd with registration number 1783983O. The content contained within should not be construed as COV Overseas Marketing Ltd making an offer to sell, nor an invitation to subscribe for or invest in the company and the content provides information only. No representation or warranty, expressed or implied, is or will be made as to the accuracy or completeness of the information including all projections or opinions contained in the text and no liability is accepted by COV Overseas Marketing Ltd and/or its directors, agents or employees. By accepting the content the recipient agrees not to reproduce and/or distribute this whole or in part.

7

To invest, please contact

SummaryCircle Oaks Village is an exciting investment option because of the incredible and sustained growth of Gastonia and Charlotte. This growth is set to continue in the future and is based on proven facts and sound economics including:

9 The cost of living is 9% lower than of the national average.

9 House prices are 23% lower than the national average.

9 The entire Charlotte region has a booming jobs market with one of the lowest unemployment rates in the US.

9 New and expanding businesses have invested more than $33 billion in the region since 2000, creating nearly 150,000 jobs.

9 Charlotte is a hub for business with 17 Fortune 500 companies headquartered in the area.

9 Circle Oaks Village, Gastonia and Charlotte are all very well connected with great infrastructure and some of the US’ best transport links.

Circle Oaks Village is perfectly placed to make the most of the demand for housing in the area. It is situated to take advantage of the job opportunities and recreation facilities that Gastonia and Charlotte have to offer whilst also offering low entry costs.

Investing in Circle Oaks Village is an exciting proposition for a number of reasons:

9 Invest from only $41.356,56.

9 Up to 18.08% NET returns per annum for 5 years.

9 Hands off investment.

9 Renovated to high standard and fully tenanted properties.

9 40% management contribution paid on closing.

9 Low density development.

9 Exit strategies available.

9 Established property management company as tenant.