1. Investing Into Mankinds Primal Need Diversifying Into Agriculture to Safeguard and Build WealthE/W: Info@liquid-investments.com | www.liquid-unvestments.com UK OFFICE: 9th Floor, 1 Knightsbridge Green, London, SW1X 7QA BRAZIL OFFICE: Av Santos Dumont 2828, Sala 1501, Aldeota, Fortaleza, 60150 - 162 UK+44 (0) 20 7084 7421 | USA +1 (347) 647 0127 | BRAZIL +55 (85) 3224 6659

2. About Liquid Investments Founded in 2006 Alternative Investment specialists in Emerging Markets Focus: Helping clients to diversify away from the uncertain financial markets in the West and into Agriculture Commodities in Brazil Brazil 1 3. Experienced Management A Senior Management Team comprising Investment Professionals with long standing Markets Experience Global work experience Europe, CIS, M-East, Far-East raising several Hundred Million dollarsExperience: Deutsche Bank, Santander, Arthur Andersen, Aon, Spectron Group. In Banking, Investments, HNW Advisory, Tax Advisory, Commodities Trading 2 4. Know Your Client We ask our clients what they want, and marry that to what they NEED We believe that it is ESSENTIAL that clients identify and plan for their future as there are some very clear threats to their plans that must be understood and navigated3 5. What are YOUR Goals? Retirement - lifestyle, retirement date, annuity Education - children or grandchildrens Aspirations travel, beach house, new car etcLegacy or inheritance Plan for medical costs that may be encountered in later life4 6. Monetize YOUR Goals A BASIC retirement for an average American couple costs $1 million Average medical costs for a couple in the US - $220,000Education costs per child up to $520,000 until age 18 and a normal" 4 year degree costs $100,000 (Harvard costs $260,000)Taking a holiday once a year for 15 years in retirement mounts up and costs on average $150,000 5 7. Goals Paying For It Average US couple will need $1 million for retirement Assuming a conservative 4-5% annual draw-down (preinflation, emergencies)Investing in a tax-free muni bond portfolio, drawing down $40,000 annually There is a 72% chance nest egg will be exhausted before you die 6 8. The Problems Big Picture Fertility rates are slowing, longevity is increasing Between 2013 and 2050 the number of people globally 65 and older will TRIPLE to 1.5 billion, one-sixth of the worlds populationInspite of people living longer, average retirement age throughout the 20th Century remained static at 64 Apart from (adverse) demographics, there are high levels of debt in developed economies, slowing rates of growth in emerging markets 7 9. Old Age Dependency Ratio Old-Age Support Ratio: Number of People of Working Age (20-64) Per Person of Pension Age (65+)South Africa India Turkey Indonesia Brazil Mexico China Chile Korea Ireland Russian Federation United States Canada Australia Czech Republic Netherlands OECD United Kingdom Switzerland Denmark Spain Japan Source: OECD (2011)12.5 11.2 9.9 9.8 8.9 8.9 7.9 6.8 2.5 6.3 1.5 5.6 2.2 4.9 2.4 4.7 2.6 4.6 2.1 4.5 2.3 4.4 1.9 4.2 2.1 4.2 2.1 3.7 2.4 3.7 2.0 3.7 2.3 3.7 1.5 2.8 1.2024686.1 4.5 3.2 3.1 2.6 2.5 2.42008 20501012141618208 10. Stay Healthy A recent estimate* states $220,000 will be spent by the average 65-year old couple for healthcare expenses throughout retirement The Society of Actuaries estimate a couple retiring at 55 and living to 85 will spend $744,800 on healthcare *Fidelity Investments 9 11. No Longer Fit For Purpose David Lloyd George (Chancellor of the Exchequer, 1908-15)He was the driver for a well intentioned social experiment which many of us are paying for today state funded pensions. While his original system was workable, our modern day system has not adapted and simply is not affordable10 12. Work Hard The US government estimates that middle-income parents of infants born today will spend $242,000 to raise their child to the age of 18but this excludes college fees, which can be up to an additional $520,000before university fees are added, a further $100,000-260,000 = up to $1 million per child11 13. Adding Up The Cost RetirementChildrenExtra$1 million Pension$242,000 Living Expenses$150,000 - Holidays$220,000 Medical Expenses$520,000 + $260,000 College + University$1.37 million$1.02 million$150,000= $2.54 million 12 14. Investment Returns Set to Slide8% 7% 6% 5% 4% 3% 2% 1% 0% World since 1950World since 1980WorldHistorical high returns Source: Credit Suisse Global Investment Returns Yearbook 2013USAJapanUKEuropeEmerging marketsProspective lower returns EquitiesBonds13 15. Debt Perspective14 16. (The Need For) Diversification Modern Portfolio Theory (MPT) is used by all fundamentally driven investorsA risk management process whereby different types of investments are blended Result A collective performance generating higher returns with lower risk than an individual investment15 17. Diversification - Video Asset Class Commodities CurrencyProducts Geopolitics16 18. MPT Equates To More Choice1717 19. Liquid Investment Theory (LIT) Our refinement of Modern Portfolio Theory Additional layers of diversification Uncorrelated investment behavior to mainstream assets18 20. Liquid Investment Theory (LIT) Provides additional layers of diversificationAsset Class: a finite resource Commodities: not correlated with other assets Currency: independentProducts: agricultural, consumer, industrial, pharmaceutical sectors Geopolitics: 5th largest global economy by 2015, stable democracy19 21. Investment Focus on Agriculture Is there more primal urge for humans than to SURVIVE? They have to feed themselves and their families!20 22. Why Agriculture? Asset class generating uncorrelated returns compared to other investments Value to rise due to a widening supply-demand imbalance21 23. Farmland World-Wide Is Disappearing UN estimate 12 million ha. being lost on annual basis worldwideEquivalent to all farmland in California disappearing every 3-years The loss is permanent and due to deforestation, chemical usage, livestock overgrazing and the impact of global warming22 24. Its Getting Crowded Life Expectancy (years)Life expectancy is rising2011World52.5870.5469.7775.04Brazil54.6973.35ChinaProtein rich diets throughout emerging markets1960US7.2 billion people in 2013 to 10 billion in 205043.4775.04India41.3865.96Source: IMF 201223 25. Population Forecast 16World Population, 1950-210014 Africa10 Billion12Asia8Europe6Latin America and the Caribbean4Northern America2Oceania0 19501980201320502100Source: Population Division of the Department of Economic and Social Affairs of the United Nations Secretariat (2013)24 26. A Primal Need Agricultural Land Price Appreciation in Brazil, 2010-201370% expansion in global food production will be required (FAO)120100Other factors driving price increases include rising costs of fertilizers and energy, the impact of climate change and the rising biofuel demand80 (%)Forecasted 60% real increase in food pricing99.6 72.671.9 63.070.6 62.160 40 20 0Source: Bank of America Merrill Lynch25 27. Illustrious Investors get a Lamborghini dealership in Oklahoma or in Nebraska because farmers are going to be driving the Lamborghinis Jim Rogers Other investors George Soros, key pension institutions such as TIAACREF, firms like BlackRock, Morgan Stanley and large and influential sovereign wealth funds such as the China Investment Corporation and Temasek (Singapore)26 28. Recent Farmland Purchases in Brazil InvestorOriginArea, ha.Use of FarmlandCresudArgentina175,000Cattle, Crops, SugarcaneEl TejarArgentina220,000Cereals, OilseedsChongqing Grain GroupChina200,000SoybeanPengxin GroupChina200,000Cotton, SoybeanLouis DreyfusFrance250,000SugarcaneAquilaGermany250,000Cattle, SugarShree Renuka SugarsIndia133,000SugarcaneAdecoagroUS165,000Cattle, Coffee, Grains, Soybean, SugarcaneTIAA-CREF Retirement Equity FundUS424,000Soybean, SugarcaneTiba AgroUS320,000n/a 27 29. Best of the BRICs More to offer than guns and oil unlike RUSSIA No ethnic/religious tensions or hostile neighbors unlike INDIA A democracy unlike CHINABRAZIL - Largest reserves of freshwater globally, 329 million ha. of rich arable land and the largest tropical forests responsible for generating 20% of the worlds oxygen, set to be the worlds number one producer of food by 2020.28 30. Why Brazil (1) % of World Production From Brazil 010203040Orange Juice5060 57Coffee40Oranges35Soybean28Ethanol25Sugar24Cattle18Poultry16Beef&Veal16Iron Ore14Bauxite14Cotton8Milk Crude Oil Source: Santander6 329 31. Why Brazil (2) Global FDI Ranking, 20125th largest consumer market by 2020 4th largest global recipient of FDI in 2012 FX reserves equivalent to the rest of the continent combinedUS$ Billion6th largest global economy, 5th largest by 2015147USA China Hong Kong Brazil UK France Singapore Australia Canada Russia Ireland India Chile Luxembourg Belgium120 73 65 63 59 54 49 47 44 40 27 26 23 19 050100150200Source: United Nations Conference on Trade and Development (UNCTAD)30 32. The Road to BrazilDiversificationModern Portfolio TheoryLiquid Investment TheoryAgricultureBrazilAsset Security and Profit Potential31 33. A Reversion to Mean32 34. The Humble Coconut2 reasons it is of particular interest to us: 1. 2.All parts can be processes Current supply-demand imbalanceFastest growing markets: Coconut Water Activated Carbon Coconut Oil Biofuels 33 35. Coconuts in Brazil Coconut Yield by Country (000 hg/ha.) 120 Brazil100India Indonesia Philippines80Sri Lanka Thailand60 40High levels of agrarian R&D in Brazil20 0Highest yielding coconut producer globally34 36. Coconut Plantation Video 37. The Organic Potential Global Organic Food & Beverage market size forecast at $105 billion in 2015, a doubling in 5 years Organics already account for 4% of total US food sales and forecast to grow by 14% between 2013-1836 38. Coconut Plantation Key Financials Return on Investments between 1140% Projected IRR to yield up to 18% over twenty years Option to purchase immediate earnings stream at Fazenda Santa Rita37 39. The Attraction of Neem The Tree of the 21st Century Indigenous to Asia Effective natural bio-pesticide A non-synthetic method of disease and bacteria suppression38 40. Neem Plantation Video 41. Neem A Weapon for the Post-antibiotic Era A wholesale exodus out of antibiotic development by Big Pharma. over the past 15 years Antibacterial New Drug Approvals Number of Antibacterial New Drug Approvals18 16 16 14 14 12 10 10 876 4 4 2 2 0 1983-19871988-19921993-19971998-20022003-20072008-2012Source: FDA's Center for Drug Evaluation and Research (CDER)40 42. Neem Plantation Key Financials Return on Investments between 11-44% Projected IRR to yield up to 20% over twenty years Crop care included for the first five years41 43. The Importance of Asset ChoiceTravelling from the US to China in 48 hours? However hard you tried on your bicycle, you are just not going to get there. The only guaranteed way is by jet plane. The same applies to investments make sure you choose the right assets to get the job done 42 44. Thank You For Your AttentionE/W: Info@liquid-investments.com | www.liquid-unvestments.com UK OFFICE: 9th Floor, 1 Knightsbridge Green, London, SW1X 7QA BRAZIL OFFICE: Av Santos Dumont 2828, Sala 1501, Aldeota, Fortaleza, 60150 - 162 UK+44 (0) 20 7084 7421 | USA +1 (347) 647 0127 | BRAZIL +55 (85) 3224 665943