The Opportunity. • Enjoy return on Australian property investment for a fraction of total investment

Invest only 15% (or under) of the property value and enjoy the return on 100% of the investment 3-5 year options with annual or monthly return option for projects over 3 years Enjoy exchange rare benefits Australian property market is rated AAA for it’s stability and growth Australian banking system is one of the best managed in the developed world All investments are backed by second mortgage, company shares or a title ownership

What’s in return for Investment partners Over 20% p.a return on investment 100% profit on entire investment upon sale (Net of tax payable) We carry the risk of bank finance, interest cost and rental management for the full

period of investment Option to go in the title of the property (as a security ) Option to negotiate ongoing return for projects longer than 3 years

Average annual growth of over 10% (ref to schedule below) Backed by one of the strongest banking systems Strong rental demand as population increase due to migration Backed by a solid economy Tax concessions-Negative gearing for investors

Australian Property facts

RESIDENTIAL PROPERTY PRICES %

GrowthWeighted average-8 capital cities 10.9Sydney 15.7Melbourne 10.9Brisbane 6.1Adelaide 4.9Perth 7.3Hobart 4.8Darwin 4.1Canberra 1.1

* Stats based on March 2014 Qrt

Australian Property facts

The Investor-Who are you dealing with HWC Holding Pty Ltd is a family business with two directors Primary objective of this business is to invest in Property MD, Lal Gamage is an experienced finance professional with over 10 years experience in

Australian real estate market Gamage family owns number of investment properties and are successful property

investors with proven track record They can talk to you about traps, hidden cost and explain all you need to know about

property investment process They are looking for partners to share property investment opportunities in Australia This is a great opportunity to do uncomplicated, low risk business with a family with

uncompromised business ethics.

Some number facts @ average growthY-1 Y-2 Y-3

Property Value 400,000.00 440,000.00 484,000.00 Stamp Duty 5,870.00 Legal/Buying cost 2,500.00 Finishing cost-Rent pack 2,500.00 Lenders Mortgage Insurance 6,000.00 Total Buy Cost 416,870.00

Investor Contribution 50,000.00 Bank Finacne by us 366,870.00

416,870.00 Bank Leverage ratio 91.72%

Selling cost 10,000.00 Selling legal/cost 2,500.00 Net Profit 54,630.00 Taxable Profit 27,315.00 Tax 12,974.63 Net profit to investor 41,655.38

Funds returned to investor 91,655.38 Exchnage rate 120.00 127.20 136.104LKR 6,000,000.00 12,474,663.16

Annual retun on investment 35.97%

Option 1= New Property-Home and Land

Some number facts @ Below Average growth Y-1 Y-2 Y-3

Property Value 400,000.00 428,000.00 457,960.00 Stamp Duty 5,870.00 Legal/Buying cost 2,500.00 Finishing cost-Rent pack 2,500.00 Lenders Mortgage Insurance 6,000.00 Total Buy Cost 416,870.00

Investor Contribution 50,000.00 Bank Finacne by us 366,870.00

416,870.00 Bank Leverage ratio 91.72%

Selling cost 10,000.00 Selling legal/cost 2,500.00 Net Profit 28,590.00 Taxable Profit 14,295.00 Tax 6,790.13 Net profit to investor 21,799.88

Funds returned to investor 71,799.88 Exchnage rate 120.00 127.20 136.104LKR 6,000,000.00 9,772,250.19

Annual retun on investment 20.96%

Option 1= New Property-Home and Land

How it works-Process in brief We buy an Australian Property with you as joint investment We organise legal paperwork for you to go in the title/ownership papers You are required to contribute about 12-15% of the total investment We obtain bank finance for the rest of the investment with our personnel guarantee Property is managed by us and rented for the period of investment Borrowing cost and property maintenance cost is offset by the rental income Capital gain tax is payable at the time of sale of the property 100% of the profit and original investment is returned to you at the end of the project You select the period of investment. (2 years minimum)