Testing

STRUCTURED DEBT INVESTMENT OPPORTUNITIES

Disclaimer: This document provides a summary of general information in respect of Privilege Wealth PLC and does not constitute an offer for sale or subscription of shares or other securities or services. This summary is made available on a private and confidential basis and by accepting this summary the recipient agrees to keep confidential all information contained in it. The content of the summary has been prepared by Privilege Wealth PLC and is being made available in good faith. No directors or officers of Privilege Wealth PLC, Privilege Wealth Management Limited, Helix Investment Management or their respective advisors will have any responsibility or liability whatsoever in respect of the statements made herein or omissions here from or in respect of any other written or oral communication transmitted or made available to the recipient in respect of same. All and any references to insurance, insurance cover, or capital-protection are purely descriptive in nature and non-contractual; the only document to be relied upon in this respect is the respective insurance policy itself. This document is subject to amendment.

Any subscription for securities issued by Privilege Wealth One LP or Helix Securitisation Fund Compartment “Privilege Wealth� may only be made pursuant to the terms and conditions of the relevant subscription agreement and any related information memorandum.

2

www.pwplc.com n info@pwplc.com n phone: +44 (0) 203 582 3810

Contents Our background Corpor ate structure The opportunity Our products Risk factors Insur ance Benefits Partners Contact

3

Our background Privilege Wealth PLC is a UK registered Public Limited Company. It offers a diverse range of multi-currency, structured debt securities which pay superior rates of interest to investors, with relatively low risk profiles.

Responding to the shortage of capital available

within

our

market

sector,

Privilege Wealth enters into exclusive and on-going funding agreements with financial institutions such as:

4

•

Micro lending companies

•

Short term “line-of-credit” lenders

•

Mezzanine finance companies

•

Asset Backed lenders

•

Peer to Peer arrangers

www.pwplc.com n info@pwplc.com n phone: +44 (0) 203 582 3810

Our structure

Privilege Wealth PLC is a UK Registered, London based privately held Public Limited Company.

GIBRALTAR BASED LIMITED COMPANY

USA BASED CORPORATION

EUROPEAN OPERATIONS

HOLDS ALL USA AGREEMENTS, BANK ACCOUNTS, STAFF CONTRACTS, ACH & SECURITY ARRANGEMENT AND LICENSES

GENERAL PARTNER OF PRIVILEGE WEALTH ONE LP SALES & MARKETING FOR GROUP

PANAMANIAN ASSET HOLDING COMPANY

PANAMA BASED CALL CENTRE OPERATION

PROVIDES SERVICES AND RECEIVES ROYALTIES AND FEES FROM PRIVILEGE DIRECT CORP

PROVIDES MARKETING & LEAD SERVICES EMPLOYER OF SALES AND ADMINISTRATION AGENTS

USA BASED FINANCIAL TECHNOLOGY BUSINESS HOLDS ALL PROPRIETARY & INTELLECTUAL PROPERTY & THIRD PARTY SOFTWARE RESEARCH & DEVELOPMENT DIVISION

www.pwplc.com n info@pwplc.com n phone: +44 (0) 203 582 3810

5

The opportunity With ever more lenders entering the marketplace, the need for liquid capital to lend is at an all time high. Privilege Wealth has secured exclusive on-going funding agreements to supply loan capital to a select group of institutions that meet our strict ethical, procedural, administrational

and

technological

criteria.

The resulting contractual arrangements between

Privilege Wealth and their

source-borrowers form an excellent synergistic relationship; both relying on the other for growth.

6

www.pwplc.com n info@pwplc.com n phone: +44 (0) 203 582 3810

Shortage of available capital

Demand for short term finance is extremely strong and growing year on year. Currently the market sector distributes in excess of $50 billion per annum and all indicators point towards a continuation of that trend. Currently, capital demand far exceeds supply.

Real-time data analysis

Privilege Wealth exclusively contracts with lenders who have entered into a software licensing agreement with Fintech SDG. This ensures that the reporting and analysis of credit ratings, ageing analysis, default rates and other algorithmic real-time data remain state-of-the-art.

Superior returns

In any market sector where demand exceeds supply, returns are above average. This, combined with security over capital loaned in excess of 400%, leads to an extremely high return on investment and comparatively low risk.

Mutual dependence

A synergistic relationship has developed between Privilege Wealth and the lenders. The exclusive relationship means that both need the support of the other to grow.

www.pwplc.com n info@pwplc.com n phone: +44 (0) 203 582 3810

7

Methods of investing EMTN-A

EMTN-B

EMTN-C

A USD denominated secured Medium-Term-Note aimed primarily at institutional, authorised and regulated firms, and high-net-worth, sophisticated or experienced investors requiring an insured income producing financial instrument.

A GBP denominated secured Medium-Term-Note / corporate bond aimed specifically at the investment and pension market, and in particular; SSAS, SIPP, OPS, QROP, Provident, Credit Union and collective schemes.

An EUR secured Medium-TermNote aimed at institutional, authorised, and regulated firms, high-net worth, sophisticated and experienced investors requiring an income producing financial instrument with annual capital liquidity.

Loan Note listed on the Bermuda exchange (recognised exchange in terms of MiFID and FCA).

Loan Note listed on the Bermuda exchange (recognised exchange in terms of MiFID and FCA).

Loan Note listed on the Bermuda exchange (recognised exchange in terms of MiFID and FCA).

USD Only

GBP Only

EUR Only

60 months only

60 months only

60 months only

Redeemable at end of term

Redeemable annually

Redeemable at end of term

12% Interest

9.85% Interest

12% Interest

Paid Quarterly

Paid Annually

Paid Quarterly

95% of Capital insured

95% of Capital insured

95% of Capital insured

Tradeable

Tradeable

Tradeable

ISIN XS1211591398

ISIN XS1211596942

ISIN XS1211597593

FCA - “Standard Asset� *For insurance description please see page 14.

8

www.pwplc.com n info@pwplc.com n phone: +44 (0) 203 582 3810

MCLN-D A direct multi-currency (GBP-EUR-USD) Loan Note qualifying in terms of section 21b of the FMSA 2000, only issued to certified High Net Worth persons within the meaning of Article 48 of the Financial Services and Markets Act (Financial Promotions) Order 2005 (FPO) or self certified sophisticated investors within the meaning of Article 50A FPO or who have complied with the provisions of Part 1 of Schedule 5 of the FPO or self certified sophisticated investors being persons who have complied with Part ii of Schedule 5 of the FPO. 95% of Capital is insured against loss*.

GBP-EUR-USD | 12-60 month term | Redeemable every 12 months (with 30 days notice) | Paid Quarterly | 95% of Capital insured

FTDA-E A direct multi-currency (GBP-EUR-USD) Fixed Term Dividend Agreement (profit-share) between the Limited Partner and the General Partner (acting for and on behalf of the Partnership). The FTDA is a closed-end 12, 36 or 60 month dividend contract consisting of 4 quarterly payments and the return of share capital at end of term. Uninsured. A Sharia compliant version is available.

GBP-EUR-USD | 12-60 month term | Redeemable every 12 months (with 30 days notice) | Paid Quarterly *For insurance description please see page 14.

www.pwplc.com n info@pwplc.com n phone: +44 (0) 203 582 3810

9

Investments via third parties Privilege Wealth receives inward investment via

many

different

financial

instruments,

structures and institutions, including but not limited to the following:

Munio capital Munio Capital invest into Privilege Wealth One LP via their strategic bond fund. Munio Capital is only open to High Net Worth, Sophisticated, Experienced and Restricted Investors. www.muniocapital.co.uk

Listed bond & funds Privilege Wealth maintains a number of contractual relationships with funds, trusts, listed companies, family offices, asset managers and other financial institutions.

10

www.pwplc.com n info@pwplc.com n phone: +44 (0) 203 582 3810

Eastbridge Investments PLC is a UK Aim listed company who have adopted an investing policy to include asset backed or insured debt and equity instruments which make regular cash payments focusing principally on the retail finance sector. Eastbridge intends to issue equity to fund the purchase of these instruments and, through an intermediary, has a preference towards acquiring EMTNs A, B and C. With minimal corporate overheads Eastbridge believes that it will be able to a large degree translate its yield on debt investment into shareholder returns.

www.pwplc.com n info@pwplc.com n phone: +44 (0) 203 582 3810

11

Investment security

Investment into Privilege Wealth

1st charge over partner loan booked

*For insurance description and policy document please see page 14.

12

Step-in rights to takeover loan collections

Insurance to protect 95% of Capital*

Whilst Privilege Wealth has gone to great lengths to mitigate investment risk; it is prudent to point out the key potential risks as with any other investment product

Risk factors

Economic

A severe economic downturn could increase the number of loans that default, and in turn the lenders might find it difficult to repay our loan interest. Given the disparity between the interest charge to the consumer and the interest paid to Privilege Wealth, most lenders would need to experience a default rate in excess of 70% to endanger capital; at which point step-in rights and insurance would be activated.

Legislative

Legislation outlawing short term lending or capping interest rates would affect the profitability of the business model. Any such legislation is highly unlikely to be retroactive, meaning that Privilege Wealth would still be able to collect all capital and interest owed up until such change in the law. The vast majority of lending legislation is passed on an individual state-by-state basis and not at a federal level. In this instance Privilege Wealth would review its business model.

Fr aud

An insurance policy covers 95% of the capital invested*. In the event of wrongful act or fraudulent activity by Directors / Managers or the lending partners themselves, or a payment default, the insurance would become active. The Directors of Privilege Wealth PLC are experienced businessmen with a strong track record of Corporate Governance and regulated financial markets activity. *For insurance description and policy document please see page 14.

www.pwplc.com n info@pwplc.com n phone: +44 (0) 203 582 3810

13

Insur ance Privilege Wealth and its associated insurance providers have undertaken a risk mitigation assessment to seek to identify and address the key risks which would give rise to a default event.

Subsequently an insurance program has been designed to provide cover against those risks. The insurance is based upon Investment Managers Insurance and features cover for “Wrongful Act” and “Capital Shortfall” based upon 95% of the Capital Value of covered investments. We call the product “Capital95”.

Funds are deployed at different times and maturities via different financial channels. The funds deployed range across different stages of investment (incoming, outgoing or invested).

This spread and diversification of the risks renders it very unlikely to suffer a total loss of all investment funds due to any one individual event.

For example “cyber-crime cover”, “wrongful act “ or “Capital Shortfall cover” would unlikely be for exposure to the full 95% of all funds invested by Privilege Wealth, and risk is assessed based upon the maximum risk exposure that Privilege Wealth and its insurers deem possible in that individual event or series of events. In this way an insurance matrix is constructed to surround and protect Privilege Wealth funds through all stages of the business process.

14

www.pwplc.com n info@pwplc.com n phone: +44 (0) 203 582 3810

LOW RISK HIGH RETURN The structured loan notes, backed

by

insurance

and collection rights, in combination

with

the

high percentage of capital cover significantly reduces the risk of investing into this sector. The resulting superior returns generated allow us to pay a high rate of interest to our investors.

15

Summary of benefits • High annual returns for investors from 9.85% • Insurance to 95% of capital value • Capital secured on loan books with step-in rights in the event of default • Fully tradable securities, listed on various international exchanges • ‘Standard Asset’ therefore eligible for pension investment EMTN-B is specifically aimed at the pension market due to the fact that it is classed as a “Standard Asset” and listed on a “Recognised Exchange”. The issuer provides liquidity in that it will redeem annually on each anniversary with 30 days notice. This product is therefore available to be invested into through many pension wrappers and other tax efficient vehicles including SIP, QROPS, OPS, ISA, SSAS and SAPS.

16

www.pwplc.com n info@pwplc.com n phone: +44 (0) 203 582 3810

Eligible for direct Investment from: High net worth, Sophisticated, Experienced & Restricted Investors Institutional Investors Hedge funds Pension funds

Introducer network

Limited partner status

Individuals or corporate entities

The ‘General Partner’ of a Gibraltar

wishing to partner with Privilege

Limited Partnership acts as the

Wealth and generate profitshare

controlling,

by introducing investors into our

managing body of the Partnership,

structured products may do so

similar to the Board of Directors

by applying to become a Limited

of a company. ‘Limited Partners’

Partner of Privilege Wealth One

can either be individual investors,

LP.

introducers or service providers,

All our Limited Partners can

would

administering

be

receive profitshare for introducing

and

investors to our suite of products,

‘shareholders’

even if that investment is made via

limited

third parties.

Privilege Wealth Management Ltd.

in

company

considered

&

a

as

traditional

environment.

is the General Partner of Privilege Wealth One LP.

www.pwplc.com n info@pwplc.com n phone: +44 (0) 203 582 3810

17

Becoming a limited partner Limited Partners would be expected to introduce a minimum of GBP 1m over the first 12 months of engagement and will be assessed according to the potential to achieve that. Initial applications are made via the Privilege Wealth website at:

www.privilegewealthlp.com

18

www.pwplc.com n info@pwplc.com n phone: +44 (0) 203 582 3810

Our website

By telephone

Partnerships

To register and find out more

To discuss our products

If you wish to become a Partner

www.pwplc.com

in more detail

partners@privilegewealthlp.com

+44 (0) 203 582 3810

www.pwplc.com n info@pwplc.com n phone: +44 (0) 203 582 3810

19

Head Office

6-9 THE SQUARE STOCKLEY PARK, UXBRIDGE, UB11 1FW UNITED KINGDOM

phone +44 (0) 203 582 3810 info@pwplc.com

www.pwplc.com Product Brochure December 2015