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ALTERNATIVE INVESTMENT OPPORTUNITIES

ALTERNATIVE INVESTMENT OPPORTUNITIES. Achieving consistent positive returns in an uncertain and volatile world. “The journey to a secure future”. Foreword. To provide investors with a genuine alternative inflation hedge in an increasingly uncertain and volatile world.

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ALTERNATIVE INVESTMENT OPPORTUNITIES

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  1. ALTERNATIVE INVESTMENT OPPORTUNITIES Achieving consistent positive returns in an uncertain and volatile world “The journey to a secure future”

  2. Foreword To provide investors with a genuine alternative inflation hedge in an increasingly uncertain and volatile world. www.prestigefunds.com

  3. About Prestige / Companies www.prestigefunds.com

  4. About Prestige / Diversified Clients • Our diversified client / investor base includes: • International Institutional Investors • Banks • Corporations • Insurance companies • Pension funds • Public entities and authorities • Registered charities • International Professional Advisors • Alternative investments third party marketers • Asset managers • Discretionary investment advisors • Discretionary investment trusts • Distribution networks for financial products • Family offices • Hedge fund managers • Private banks Prestige Asset Distribution Asset Raised - Highlights 2011 USD$ 83ml 2012 USD$183ml 2013 USD$196ml 2009-2015 USD$800ml NOTE: All figures are approximate www.prestigefunds.com

  5. UK / Small-Medium Enterprise (SME) - Overview:Areas of Concern • Significant Additional Expenses now exist for most UK and EU • based firms – irrespective of their size. • Access to credit • Rising energy costs • Rising waste disposal costs • Rising general banking costs • Rising employers taxes • Mandatory employee pension contributions www.prestigefunds.com

  6. UK / SME Lending - Overview:Why traditional banks may lend less “Lending to UK businesses drops sharply” “lending to small and medium-size enterprises fell by £700ml in the first quarter of 2014” SOURCE: Financial Times 05/2014 SOURCE: Economist 12/2013 www.prestigefunds.com

  7. UK / SME Lending - Overview:Why traditional banks may lend less Banks are concentrating on shoring up their Balance Sheets New capital requirements have restrained the available capital to Small and Medium Size Enterprises www.prestigefunds.com

  8. UK / SME Lending - Overview:Why traditional banks may lend less +6 Years since 2008 financial crisis! Royal Bank of Scotland Plc Share price 30/06/2007 GBP £63.30 Share Price 31/09/2014 GBP £ 3.68 -94% Barclays Bank Plc Share prices 30/06/2007 GBP £ 6.96 Share price 31/09/2014 GBP £ 2.27 -67% www.prestigefunds.com SOURCE: Bloomberg

  9. UK / SME Lending - Overview:Why traditional banks may lend less • 10/2014 EU / Bank Stress Tests • 130 Banks “Tested” 25 failed! 34 would have failed under full test! How many almost failed? • EU Stress Tests were “manipulated”, because they did not include tests for “deflationary” economic environments (8 EU states currently have deflation) nor had the fully phased-in EU stress test rules been applied, otherwise the number of failures would have increased to at least 34. SOURCE: Bloomberg • The ECB found EUR€136 billion in additional troubled loans banks that had not already been “confessed” to owning, bringing the European total to EUR€879 billion (USD$1.1 trillion). Italy will have to implement the biggest reclassification of loans (EUR€12 billion), with Greek (EUR€8 billion) and German banks (EUR€7 billion) also challenged. www.prestigefunds.com

  10. UK / Equity Market - Overview:A Classic “Yield” Asset Class Equity market based investments often form part of a diversified portfolio... UK Equity Market performance from 4th January 2010 - 6th October 2014 4 years and 9 months overall return = +20.41% Average monthly return = +0.36% Average UK Inflation 01/2008 – 06/2014 2.84% SOURCE: Bloomberg ...but equities do not always produce consistent positive returns... UK Equity Market performance from 3rd January 2000 - 6th October 2014 14 years and 9 months overall return = -4.44% Average monthly return = -0.03%

  11. UK / Equity Market - Overview:A Classic “Yield” Asset Class ...and can sometimes be very volatile! VIX Index 3rd January 2000 - 6th October 2014 14 years and 9 months overall return = 32.63 Average monthly return = 0.18 VIX Index 4th January 2010 - 6th October 2014 4 years and 9 months overall return = 18.61 Average monthly return = 0.33 SOURCE: Bloomberg • Are equity and bond markets now pricing in “risk” properly? • Will there be elevated risk due to increase growth uncertainty? • Will there be further geo/political issues for the markets to price in? • How long will the low inflation / deflation environment continue? www.prestigefunds.com

  12. Prestige Alternative Finance Low volatility high return asset backed fund SOURCE: Bloomberg • Fund Average Net Annual Return 6.38% • No negative monthly return  • Focuses on secured agricultural and commercial lending agreements only in the United Kingdom • Low volatility and correlation to traditional equity, bond or commodity markets

  13. Asset Finance as an Investment Strategy:Core Finance / Lending Areas NOTE: Examples are subject to change or addition without notice. SOURCE: Prestige Fund Management Limited

  14. Asset Finance:Highlights • Rare Market Access: Most asset-based lending only occurs between banks, large financial institutions and corporations and has high barriers to entry • Successful Long Term Track Record: The Prestige Fund Management Investment Committee and Operations Team is responsible for the management and operation of Prestige Alternative Finance which, over the past 6 years, has grown to over GBP£240ml / USD$400ml, with approximately +4,000 investors, +1,700 live loans to 650 active loan customers. The Fund’s main counterparty consists of an established, specialist, independent finance arranger, comprising a team of professionals who have previously worked for large financial institutions focusing on agricultural, industrial and commercial finance, lending and leasing activities • Real Diversification for Your Portfolio: Suitable for investors seeking diversification in a balanced portfolio. Uncorrelated to traditional equity-, bond- and commodity-based investments. Since launch, the Fund has provided investors with consistent positive returns and with significantly lower volatility

  15. Regular SavingsThe journey to a secure future www.prestige-IMS.com

  16. 1970 1975 1980 1985 1990 1995 2000 2005 2010 Crises and Long-Term PerformanceMarket declines in historical context Banking and credit crisis* $100 The dot-com crash $50.70 Stock market crash 10 Oil crisis 1 0.1 $1 $1 $1 $1 0.50 0.50 0.50 0.50 73 74 75 76 87 88 89 00 01 02 03 04 05 06 07 08 09 10 11 www.prestige-IMS.com Source: MorningStar

  17. Principal Protected Savings PlansSaving with confidence Premier Trust(BVI Trust)

  18. Principal Protected Savings PlansBritish Virgin Islands (BVI) World’s leading offshore centre with more offshore companies than any other country. Appears on the OECD’s “white list” Second largest source of international foreign direct investment globally: US$125 billion are invested through the BVI each year. The BVI has zero-rated corporation tax, with no wealth, capital gains or estate tax for offshore entities. Familiar and established legal and court system based on English common law. This offers a stable and certain framework for investors. The BVI has no exchange controls. The local currency is the U.S. dollar.

  19. Principal Protected Savings PlansGlobal Custodian Biggest bank in Switzerland, tracing its origins to 1856 World’s largest manager of private wealth assets with CHF 2.2 Trillion in invested assets Operates in more than 50 countries with about 63,500 employees globally as of 2012

  20. Principal Protected Savings PlansSaving with confidence • Plan Options:Options: • Regular Contribution Product with choice of 10, 15 & 20 years • Flexible payment options: monthly, quarterly, half-yearly, or annually. Minimum $300 per month. • Investment in a choice of leading international equity indexes. Investors may select up to five equity indexes subject to a minimum of 20% in each index NOTE: Making a withdrawal or surrendering the plan before maturity voids the Principal Protection feature. Please refer to the Index Reserve Brochure for further information. www.prestige-IMS.com

  21. Principal Protected Savings PlansSaving with confidence Plan Options: • 15 year Regular Premium Product • Flexible payment options: monthly, quarterly, half-yearly, or annually. Minimum $300 per month. • Investment in a choice of leading international equity indexes. Investors may select up to five equity indexes subject to a minimum of 20% in each index NOTE: Making a withdrawal or surrendering the plan before maturity voids the Principal Protection feature. Please refer to the Index Reserve Brochure for further information. www.prestige-IMS.com

  22. Principal Protected Savings PlansInvestment Choice • Plan returns may be linked to major international Stock Market indices: • S&P 500 • MSCI EAFE • EURO STOXX 50 • S&P Asia 50 • MSCI Emerging Markets Investable Markets Index (IMI) • Selection of up to five (5) indices for maximum diversification across the globe • NOTE: Minimum of 20% allocation to any single index • Past performance is no guide to future results. Investments can go down as well as up. www.prestige-IMS.com

  23. Principal Protected Savings PlansKey Advantages • An investment plan with returns linked to the performance of some of the world’s major stock indices • The plan maturity value will be thehigherof: • Accumulated returns of contributions invested in the equity indices selected; or • 125% of the contributions paid to 10 year maturity • 140% of the contributions paid to 15 year maturity • 155% of the contributions paid to 20 year maturity • Tax efficient fund growth • Minimum Contributions only $300 per month www.prestige-IMS.com

  24. Principal Protected Savings PlansKey Advantages (Cont’d.) • Security of knowing the plan is registered in an offshore trust (Sable Trust Limited) and the investment resides with a world-class Global Custodian (UBS) • Online access 24 hours a day, 7 days a week • Loyalty bonuses: • 8.0% (Years 1-10) • 7.5% (Years 11-15) • 7.5% (Years 16-20) • Investors can be aged 18 - 85 • Optional lump-sum additional contribution available www.prestige-IMS.com

  25. Principal Protected Savings PlansKey Advantages (Cont’d.) The above example is for information purposes only. Past, and simulated performance is not a guide to future performance. www.prestige-IMS.com

  26. We are with you… Thank you for listening www.prestige-IMS.com

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