- 12% FIXED RETURN P.A. FOR FIRST 3 YEARS - - …...rainforest land that would’ve been cut down,...

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- PLAY YOUR PART TO HELP THE PLANET - - 12% FIXED RETURN P.A. FOR FIRST 3 YEARS - - LOW RISK ETHICAL INVESTMENT OPPORTUNITY - - PROTECT AND RE-GROW THE RAINFORESTS -

Transcript of - 12% FIXED RETURN P.A. FOR FIRST 3 YEARS - - …...rainforest land that would’ve been cut down,...

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- PLAY YOUR PART TO HELP THE PLANET -

- 12% FIXED RETURN P.A. FOR FIRST 3 YEARS -

- LOW RISK ETHICAL INVESTMENT OPPORTUNITY -

- PROTECT AND RE-GROW THE RAINFORESTS -

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Managing emissions is one of the fastest growing segments in financial services – carbon will be the world’s biggest commodity market and could become the world’s biggest market overall.” Louis Redshaw, Head of Environmental Markets, Barclays Capital

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CCBA: Climate, Community & Biodiversity Alliance

CDM: Clean Development Mechanism

CER: Certified Emission Reduction (carbon credits traded on the Regulated market)

CO2: Carbon dioxide

DOE: Designated Operational Entity

EU: European Union

ETS: Emissions Trading Scheme

GHG: Greenhouse gas

JI: Joint Implementation

REDD: Reducing Emissions from Deforestation & Degradation

UN: United Nations

UNFCCC: United Nations Framework Convention on Climate Change

VCS: Voluntary Carbon Standard

VER: Verified Emission Reduction (carbon credits traded on the voluntary market)

Glossary of TermsContentsPg 04 Welcome to Forestry For Life

pg 05 The Board

Pg 07 Our CSR Policy

Pg 09 What We Do

Pg 10 What are Carbon Credits?

Pg 11 Investment Overview

Pg 12 The Financial Returns

Pg 13 Current Carbon Offset Prices

Pg 15 Carbon Markets Overview

Pg 16 Growth of the Carbon Markets

Pg 17 Selling Your Carbon Credits

Pg 19 Carbon Neutral

Pg 22 FAQs

Pg 23 Terms & Conditions

Pg 25 Contact Details

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Welcome to Forestry For Life

Established in 2009 Forestry For Life provide a truly sustainable investment solution for deforestation by creating a unique and ethical investment for our investors both individual and institutional.

With decades of damage inflicted on our planet we have seen a large shift towards socially responsible investment opportunities in fields such as sustainable forestry and the very fast growing carbon market trading – we at Forestry For Life are proud to be at the forefront of this rapidly evolving market.

By conducting extensive market analysis, due diligence and by partnering with some of the industry leaders, both individual and governmental, our aim is to offer something different to traditional investment assets that every investor must consider for diversity of their portfolio.

At Forestry For Life we are committed to raising funds that deliver a triple bottom line:

· Healthy returns for investors

· Empowerment and education for local communities

· Protecting and replanting the rainforest, preserving endangered species and plant life

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The BoardIt is our belief that a successful investment demands experience and expertise coupled with passion - our handpicked team have been carefully selected ensuring each individual brings a new dimension to the company therefore returning a transparent opportunity to our clients, our environment and our stakeholders.

Nick Barclay FIoD MHKIoD Sales Director

Nick has worked as Chairman of Australian Skandia, Managing Director of Skandia Asia Pacific, Director for Skandia Asset Management, Director of Skandia Japan and CEO of the Montpelier Group. His experience helps us to raise the money to make real changes to worldwide

forestry whilst generating great returns for investors.

John Hudson, who is seen as one of the world’s leading foresters, brings his forestry knowledge to Forestry For Life. John’s experience in Government as the Senior Forestry Advisor for the Department for International Development brings a wealth of knowledge to the

Forestry For Life projects.

John Hudson Forestry Advisor

Sir Rodney Walker C.Eng FRSA FInstD LLD(Hons) KLJ Chairman

Sir Rodney was awarded his Knight Bachelor by the Queen in 1996 for services to sport. He is currently a Trustee of Wembley Stadium Trust and The London Marathon. He is Vice Chairman of NSPCC Full Stop Appeal and Rugby Football League. He has served as Chairman of WPBSA &

World Snooker for 5 years and has raised over £40m for various charities.

Matt Ames Founder & CEO

Matt was a Director and Shareholder for a multi-million pound company, helping it grow from a small turnover to £300 million a year. With an idea to create a green investment he spent months researching forestry and created Forestry For Life, an investment that would protect

the rainforest and give back to the local communities.

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Having spent over 15 years working on global sustainable development projects, Bremley was awarded the WWF Prince Bernard Scholarship for Environmental Leadership. He is Founder of Worldview Impact and

is a Director of PCI Media Impact and GlobalNet 21.

Dr Bremley W.B Lyngdoh PhD MIA MEC BA Sustainable Development Specialist

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Overcomingpovertyisnotagestureofcharity–itisanactofjustice.” Nelson Mandela “

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Our CSRPolicy

Corporate Social Responsibility (CSR) is not something that we take lightly at Forestry For Life. We believe in the conviction that environmental and social responsibilities are fundamental to a sustainable future.

Corporate Social Responsibility can be defined in many ways, but ideally it can be termed as a philanthropic model, where companies behave ethically, and donate a share of the profits to produce an overall positive impact on society. At Forestry For Life, our CSR policy is a key part of our business plan as this is one of the main reasons for clients investing with us. Investors feel good about investing their money into our projects, knowing that as well as getting a decent return on their investment, they can see the benefits impacting on local communities.

Communities have many faces, issues and perspectives. They do however have common problems. Problems of uncared for sections of society: problems of inadequate education, problems of sanitation, problems of finance. Together these problems act to weaken any help that is provided to the community. For a holistic solution to rural poverty stronger communities are required.

We believe that by creating sustainable livelihoods for the poor, poverty will be reduced and the living conditions in the developing world will improve.

Forestry For Life are working on mitigating climate change by creating sustainable livelihoods for the poor while reducing poverty to improve living conditions in the developing world. Our projects include the building of schools, public health centers and water wells. We will also provide better sanitation, jobs and education to local communities on how to look after their land.

We consider our responsibility for the impact on;

• The environment• The community• Employees

Furthermore, Forestry For Life proactively promotes the public interest by encouraging community growth and development, while also voluntarily eliminating practices that harm the public sphere. Essentially, our CSR is the deliberate inclusion of public interest into corporate decision-making and the honoring of a triple bottom line:

• People• Planet• Profit

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AboutThe project mitigates climate change by creating sustainable livelihoods for the poor, while reducing poverty to improve living conditions in the developing world. Its objective is to create an enabling environment for local people to actively participate in an array of climate change mitigation and adaptation projects, such as carbon sequestration through reforestation and afforestation projects using organic and multi-cropping methods for planting rubber trees and food crops.

Vision & MissionThe vision is to create a Sustainable Business for a Sustainable Future. By making your green investments grow, in projects that are mitigating climate change at the grass roots level, we will see sustainable livelihoods created for the poor and poverty reduced.

It is a three-fold mission:

1. Protecting the environment and biodiversity through the mitigation of climate change.

2. Enabling local economic growth through the creation of sustainable livelihoods for the poor.

3. Supporting social development through poverty reduction initiatives.

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1. InvestmentInvestors help to acquire rainforest land, and receive carbon credits at a set price to trade. Some of their investment will go towards acquiring new land and to help with community projects.

2. Project DeveloperWe acquire through joint ventures with International Governments and landowners, rainforest land that would’ve been cut down, classed as deforestation. We also acquire land that has already been deforested and re-plant it. The quality of our carbon credits, come from strict adherence to the Voluntary Carbon Standard and the CCBA, together with implementing a high standard of our community projects.

3. Carbon BrokerOnce we have our carbon credits issued to us, we are then able to trade them via our carbon brokerage. This means that we do not have to pay someone else to trade these for us, and so costs for investors are always kept to a minimum. This also gives us an opportunity to set the price of our own credits and build our brand awareness.

4. Carbon AssessorWorking to the Carbon Trust Standard, we provide full carbon assessments to companies who want to reduce their emissions. We do this by initially working out their carbon footprint, producing a detailed report to show how they can reduce their emissions and by selling them our carbon credits if they need to offset. We offer a full marketing package, to organisations, to help promote the fact they have become carbon neutral through saving the rainforest.

WhatWeDo

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What are Carbon Credits?

Carbon credits are a key component of national and international attempts to mitigate the growth in concentrations of greenhouse gas (GHG). 1 carbon credit is equal to 1 tonne of carbon dioxide (CO2). CO2 is believed to be the most significant GHG contributing to global warming.

We all contribute to our current GHG problems one person at a time. Every time you use your car, heat your home or boil the kettle more CO2 is released and adds to the problem. Part of the solution is for concerned individuals and companies (like you!) to take action to both reduce our GHG, and to use carbon credits to offset those which we can’t cut down on.

You can offset these emissions by buying carbon credits that are invested in renewable energy projects, in reforestation or in some other activity that results in a net reduction in atmospheric CO2. For every 1 tonne of CO2 you or your business produces, 1 tonne is saved somewhere else in the world. If you buy enough carbon credits you can offset all your emissions and effectively become carbon neutral.

For businesses, as well as enhancing your brand reputation, reducing your carbon footprint can bring real commercial benefit and financial savings. It helps prepare you for future environmental legislation whilst staying ahead of your competitors. More importantly, it resonates with today’s discerning consumers who are increasingly opting to deal with only the most responsible companies and those with an upstanding Corporate Social Responsibility programme.

Governments, international institutions and private companies have devised a trading system to enable organisations to pay for emission reductions elsewhere. Using this system, companies can buy carbon credits to offset some of their unavoidable emissions.

Companies tackling climate change:

Forestry For Life is carbon neutral

SEM havepledgedtobecomecarbonneutralwithForestryForLife

BP has led the oil sector on global policy, energy saving, emissions reduction and renewable technology

BSkyB became carbon neutral in 2006 and is beginning to help its customers take action at home

BT has cut its carbon footprint by 60% and has been at the forefront of buying renewable energy

Goldman Sachs has committed to go carbon neutral and is looking to invest in green energy

HSBC has been carbon neutral for 2 years

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Forestry For Life work with international governments and landowners to protect and save the rainforests. By combining this policy with our compliance to the Voluntary Carbon Standard and the CCBA we generate carbon credits, which we then trade to companies who need to offset their emissions.

Our investment is based on Carbon Credit Trading. Dependent on level of investment, clients are able to bulk buy our credits at wholesale prices. We will then trade those on the carbon markets via our own carbon brokerage and generate the highest returns possible.

Currently forestry credits are not part of the regulated market. Once they become part of this scheme, prices of our credits are set to increase even further and investors returns will also increase.

Key Benefits of our Investment• 12% fixed return per annum for the first 3 years

• Minimum investment £25,000

• Complete Solution Cycle for investors, from Project Development, Carbon Brokering, Carbon Assessments through to Exit Strategies.

• Working with International Governments to protect key areas of their rainforest

• Socially responsible investment

• Protect the rainforest and conserves endangered wildlife

• Saves lives through community health care projects, hospitals and education

• Board members bring over 30 years of Government, forestry, community projects and financial expertise.

• SIPP qualified investment

Due to the success of our projects and the high demand for our credits, please contact our Head Office or one of our worldwide offices to receive the most up to date information on the investment.

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Investment Overview

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The FinancialReturns

Please note that these are estimated returns and cannot be taken as forecasts, only the first 3 years are fixed. The price of carbon credits fluctuates based on market forces and is not fixed. We also do not anticipate our credits to have a value of £30 per credit in the immediate future; however the price could quite feasibly hit this figure in the coming years.

Amountinvested

£100,000£100,000£100,000£100,000£100,000£100,000£100,000£100,000

Credits issued annuallyfor 25 yr term

4,0004,0004,0004,0004,0004,0004,0004,000

Average credit price over

following 22 yrs

£3£5£7

£10£15£20£25£30

Total annual return*

£12,000£20,000£28,000£40,000£60,000£80,000

£100,000£120,000

Total returns from year 4 to 25*

£264,000£440,000£616,000£880,000

£1,320,000£1,760,000£2,200,000£2,640,000

First 3 years fixed

return

£36,000£36,000£36,000£36,000£36,000£36,000£36,000

£36,000

Total return after 25 years*

£300,000£476,000£652,000£916,000

£1,356,000£1,796,000£2,236,000£2,676,000

Yearly ROI

12.00%19.04%26.08%36.64%54.24%71.84%89.44%

107.04%

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* Please note these figures are anticipated based on the current markets, however the investment returns after year 3 cannot be guaranteed.

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The current prices for carbon credits, known as carbon offsets, are shown below:

Name

CO2balance.com

CO2balance.com

JPMorganclimatecare.com

Liveneutral.org

Carbonfootprint.com

Carbonfootprint.com

Carbonpassport.com

Terrapass.com

Sterlingplanet.com

Econeutral.com

The average price of carbon credits, based on the above, is £11.18. If in year 4 this was still the average price of credits, investors would see an incredible return of 44% on their original sum invested.

Current Carbon Offset Prices

Price £/t

£15.00

£8.81

£8.81

£7.50

£7.50

£12.25

£15.20

£8.20

£14.29

£14.29

Type

Reforest

Various

Various

Various

Various

UK Reforest

Various

Various

Various

Various

Carbon offset prices as at 17th March 2010.Prices sourced independently from each individual carbon brokerage’s website.

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“ When we use the tree respectfully & economically, we have one of the greatest resources on earth.” Frank Lloyd Wright, Architect

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Carbon MarketOverview

Kyoto ProtocolThe Kyoto Protocol is a 1997 international treaty which came into force in 2005, which binds most developed nations to a cap-and-trade system for the six major greenhouse gases. (The United States is the only industrialized nation under Annex I which has not ratified and therefore is not bound by it.) Emission quotas were agreed by each participating country, with the intention of reducing their overall emissions by 5.2% of their 1990 levels by the end of 2012.

Cap & TradeCap & Trade is a regulatory system, where governments determine appropriate targets for reducing Industry emissions. The permits that governments grant, encourage companies to become more energy efficient . This is known as their “Cap”. Those companies which exceed their Cap, are required to buy carbon credits to offset the additional GHG emissions. This is known as “Trade.”

Existing Benefits of Cap & TradeCap & Trade is a proven success at mitigating environmental problems. Twenty years ago, scientists warned about sulphur dioxide poisoning, the primary cause of acid rain, and this serious threat spurred implementation of a cap and trade system. In the years since this was implemented, sulfur dioxide levels dropped more quickly than anticipated, and the result has been a huge step to reducing climate problems.

UK Government LegislationThe Carbon Reduction Commitment will bring in the UK’s first mandatory carbon trading scheme, starting in April 2010. It will cover all organisations using more than 6,000MWh per year of electricity (equivalent to an annual electricity bill of approximately £500,000). The Carbon Reduction Commitment scheme aims to reduce carbon emissions from these organisations by at least 4 million tonnes of carbon dioxide per year, by 2020.

Business Reaction23 multinational corporations came together in the G8 Climate Change Roundtable, a business group formed at the January 2005 World Economic Forum. The group included Ford, Toyota, British Airways, BP and Unilever. On June 9, 2005 the Group published a statement stating that there was a need to act on climate change and stressing the importance of market-based solutions. It called on governments to establish “clear, transparent, and consistent price signals” through “creation of a long-term policy framework” Part of their climate change goals, was to avoid emissions and enhance sequestration in the forestry, agriculture and other land use sectors, as a critical element of climate change solution. Source: World Economic Forum – “Task Force on a Low Carbon Prosperity” Report October 2009

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335

According to a new study from research firms Ecosystem Finance and New Carbon Finance, the voluntary carbon market is maturing fast, growing from $96.7 million in 2006 to $704.8 million in 2008. The report assessed the so-called voluntary market for carbon credits, which operates outside formal UN and European Union (EU) backed carbon trading schemes such as the Clean Development Mechanism (CDM), Joint Implementation (JI) and Emissions Trading Scheme (ETS). The 100% growth rate of the voluntary market is double that recorded by the regulated carbon markets.

Prices shown in US$

Transaction values on the Voluntary Carbon Market

Mill

ions

US

$

Growth of the Carbon Markets1 Source: Ecosystem Marketplace, New Carbon Finance, World Bank

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Total voluntary market Total regulated market Total global market

2006

96.7m40,072.0m40,168.7m

2005

42.0m8,281.4m8,323.4m

2007

335.3m63,710.7m64,046.0m

2008

704.8m119,483.4m120,188.2m

2003 2004 2005 2006 2007 2008

700

600

500

400

300

200

100

0

9642

37 22

704

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10Forestry For Life is a project developer and carbon broker. In other words we control the whole process from getting the project verified and validated, by an independent DOE, through to the registration of the project, to the production and finally the sale of the carbon credits.

Carbon brokers fall into several different categories. Some acquire credits at wholesale prices and resell them at retail prices as carbon offsets. Others buy their carbon credits on a forward basis, that is, before the project has been verified or validated. This helps the project developer by supplying a form of early credit and in return, the carbon broker acquires the carbon credits at a discount to the wholesale price.

Some carbon brokers actually own the project and take it through the regulatory regime and then sell the carbon credits once their project has been accepted by an independent registry, such as the VCS.

An investor who wants to sell their carbon credits can utilise Forestry For Life’s very own carbon brokerage.

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Selling your Carbon Credits

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“ The scientific evidence is now overwhelming: climate change presents very serious global risks, and it demands an urgent global response.” Sir Nicholas Stern, ‘The Stern Review’ on economics of climate change, October 2006

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Carbon Neutral

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19Forestry For Life has a specialist team dedicated to making companies carbon neutral. We offer the whole package from initial assessment, through to the facilities to offer carbon credits at competitive prices. Our package includes marketing material and advice on how to save energy within your business as well as advice on how to cut utility bills and reduce your carbon footprint.

What does carbon neutral mean?

Everyday activities emit carbon; computers, cars, light bulbs, boiling the kettle. Some of these emission are necessary to trade and live a certain standard of life, however there are places where you can save energy. Whatever energy you can’t avoid using can be offset with the purchase of carbon credits. When you have offset all your emissions then you will effectively become carbon neutral.

Why become carbon neutral?

• Excellent marketing tool, new angle to promote your business• Stand out from your competitors• Good PR opportunities• Attract more business• Caring image in the community• Other companies who are ‘green’ will be interested in working with you• New legislation in April 2010 that requires business with a energy spend of over £500k p.a. to purchase a license.

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20Why become carbon neutral with Forestry For Life?

• Our carbon offsets are generated through avoided deforestation and reforestation• Our credits protect the rainforest and saving the rainforest is the quickest way to tackle climate change• The rainforest is already standing it does not need constructing like other offset projects which burn carbon creating them• We have a strong Corporate Social Responsibility (CSR) program to regenerate the local communities surrounding the rainforest, which you will be a part of by joining with us

How we make you carbon neutral

• A Forestry For Life representative will carry out an assessment that meets the government sponsored, Carbon Trust Standard• Analyse your transport, fuel and utility bills to calculate your carbon emissions• Recommend ways to save energy in your company, thus saving you money• We source forestry carbon credits to offset your emissions at competitive prices

What you get when you become carbon neutral?

• A carbon assessment• Option to have a detailed report listing your carbon emissions• Certificate to prove you are carbon neutral• Advertising and marketing material supplied• Edge over your competitors, stand out above your competition• Savings on your energy bills

Contact a carbon neutral representative today to find out more how Forestry For Life can make you carbon neutral.T: +44 (0) 845 888 22 55 E: [email protected] www.forestryforlife/carbonneutral.com

C arb on Neutral Ass essment Form

c e r t i � e d c o m p a ny 2 0 1 0

carbon neutral

Company details

Address

2nd line

Town

County

Telephone

Company

Fax

Postcode

Email

Contact

Utility billsInformation

Website

Staff

Established

Type of company

Reg. no.

Other sites

Name

Position

Telephone

Mobile

Email

Notes

Electric

Gas

Other

CARBON NeutRAl CeRtifiCAtiON

forestry for life hereby certify that

Signed

Date / /

has committed to reducing energy and offset their excess carbon emission for one year making them

CARBON NEUTRAL

Company details

c e r t i� e d c o m p a ny 2 0 10 - 11

carbon neutralCarbon Neutral Assessment Report

c e r t i� e d c o m p a ny 2 0 10 - 11

carbon neutral

Company

Address

2nd line

Town

County Postcode

• The carbon calculations are sourced from government supported databases AMEE and VCA, except for oil and biomass data that is sourced from Resurgence.

• All content is accurate, based on the information provided.

• This report does not equal carbon neutrality, in order to become carbon neutral you must offset the carbon by purchasing carbon credits.

Print name

Date / /Signed

This reporT is correcT based on The informaTion provided by The company named above.

Carbon summary

Please find below a summary of your carbon emissions. On the following pages overleaf, you will find a detail report of the information taken by our Forestry For Life representative.

Total miles per annum Carbon emitted

Total carbon emissions

number of credits required to offset

Electric

Gas

Journeys

Vehicles

Transport

energy Total kwh per annum Carbon emitted

Other

The following carbon assessment was calculated by the information provided by the organisation mentioned opposite on / /

c e r t i� e d c o m p a ny 2 0 10 - 11

carbon neutral

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The world’s forests need to be seen for what they are... giant global utilities, providing essential services to humanity on a vast scale. The life they support cleans the atmosphere of pollutants & feeds it with moisture.” Prince Charles

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How do I know that the carbon credits are genuine?We undertake a very stringent verification and validation process and all credits are logged and registered.

How do I sell my carbon credits?You can either sell them yourself to other individuals or businesses, or you can sell them via our carbon brokerage.

How do I invest in this project?Please contact us and we will send you an order form.

What are the risks with this investment?There are some risks involved, as with any investment, but they are minimal. There is very little risk of fire in the rainforest due to the fact that the climate is rather wet most of the time. The trees are guarded against illegal logging and or theft. We also use the very latest in satellite technology which allows us to see through the canopy of the rainforest which enables us to detect any illegal activity very quickly. The carbon credits will be registered with the VCS and they will follow the standards set down by the CCBA.

How can I check that this is a genuine project?You are more than welcome to visit our head office, or if you would prefer you could actually come and visit the rainforest itself where you can see the project in action.

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FAQs Does this project exploit any local people or landowners?Absolutely not. Not only are we generating employment in the area by hiring local people, who have knowledge of the area, to help with the security measures around the rainforest. We are also providing the local communities with first class water filtration systems and ecological sanitary toilets to improve their standard of living.

What is my exit strategy?If you choose to exit the investment there is no formal exit strategy in years 1-3 as it is in the fixed period, you can however sell the investment wholly as a private sale. From year 4 onwards Forestry For Life will buy back the remaining credits for; 50% of the original purchase price in year 4, 75% of the original purchase price in year 5, 100% of the original purchase price in year 6 onwards.

What is the tax position on such an investment?

We are not authorised to give tax advice. You should remember that the tax law applicable depends on your own personal situation and residency status. If you are unclear as to your tax position, you should seek professional advice or contact your local tax office for further information.

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Terms & Conditions

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1. Background to this agreement1.1 This agreement is provided by Forestry For Life Ltd. Your agreement to the terms and conditions shown below may be subject to change from time to time. 1.2. Forestry For Life Ltd are the sole appointed distributors for all Forestry For Life Ltd’s products. 1.3 Forestry For Life Ltd can, at its own discretion, appoint authorised agents to promote this investment on their behalf.1.4 By signing this agreement You, the Purchaser, are entering into an agreement with Forestry For Life Ltd to acquire the carbon credits for a 25 year period.

2. Payment Terms of the Agreement2.1. You understand that by entering into this agreement with Forestry For Life Ltd and by paying an initial deposit of 10% of the agreed value, that the outstanding balance due is payable within 14 days of signing this agreement. 2.2 All deposits are non refundable.2.3 All payments must be made to Forestry For Life Ltd. Forestry For Life Ltd will not accept responsibility for funds paid to a third party.2.4 Upon receipt of payment, Forestry For Life Ltd undertakes to offset CO2 emissions. This offset will be accomplished by Forestry For Life Ltd protecting rainforest, reforesting previously deforested land or afforestation.2.5 You will receive fully fungible certificates, equal to the value of the offset CO2. The certificate does not provide carbon neutrality, only for Forestry For Life Ltd to deliver the specified number of carbon emission reduction credits. 2.6 Forestry For Life Ltd will forward purchase the credits from you and in return will give you fixed annual return of 12% on your investment for the first 3 years. This will be paid to you monthly, starting one month from the date of the balance being paid.2.7 Forestry For Life Ltd undertakes to number all carbon credits with a unique serial number.2.8 If you choose to exit the investment there is no formal exit strategy in years 1-3 as it is in the fixed period, you can however sell the investment wholly as a private sale. From year 4 onwards Forestry For Life will buy back the remaining credits for; 50% of the original purchase price in year 4, 75% of the original purchase price in year 5, 100% of the original purchase price in year 6 onwards.

3. CO2 calculations3.1 Forestry For Life Ltd’s emissions calculations are based on best available information and are used to determine an appropriate amount of CO2 for carbon offset purposes.3.2 The calculations are subject to regular annual review to reflect best practice at the time and may include any new information on the greenhouse gas emissions or other sources of emissions. If this information changes, Forestry For Life Ltd holds no liability to offset any further emissions from previous transactions.3.3 The monitoring of the CO2 offset projects will be conducted to the standards required by the Climate, Community and Biodiversity Alliance and Voluntary Carbon Standard.

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Money LaunderingTo protect ourselves, and ultimately our investors and our projects, against criminal activity such as money laundering we use information exchange registers to share information. When dealing with application we may search these registers in addition to requesting personal and address verification documents from our investors, or associated third parties such as introducers. When you contact us, we may use the information you give us to check that we only disclose information about your investment to appropriate individuals. In addition, we are required by law to share information about our customers and the products and services they have with us with other legal bodies. These include, among others, The Revenue and the Financial Services Authority.

Data ProtectionThe Data Protection Act requires us to notify the UK’s Information Commissioner about the source of our information and the people we may disclose it to. You can see the official notification we send them, or request a copy of a specific notification from the Information Commissioner’s Office, Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF (we are not currently registered for Data Protection)

DisclaimerForestry For Life Limited has taken care concerning the accuracy and integrity of what is contained within this document. However, Forestry For Life Limited is not to be held liable in any way for any errors and/or omissions concerning what are or are not included within this document. Forestry For Life Limited have made their best effort to insure that the information contained within this document is correct; however, the carbon market is a changing market, and given the global nature of the industry it is almost impossible to stay abreast of everything that is happening worldwide. Forestry For Life Limited highly recommend that readers should seek further research, professional advice, or both prior to making any commercial decisions based on the information contain within or implied, implicitly or otherwise, by this document. Forestry For Life Limited is not authorised to give investment advice, and investors should seek independent financial and/or tax advice on all the information included in this brochure prior to making any investment decision. All forecasts are based on historical performance and are purely indicative. The value of your investment may rise or fall, and past performance is no guarantee of future performance. Forestry For Life Limited does not provide any guarantees as to future performance in respect of income or capital growth, either by expression or implication, and nothing expressed or implied should be taken as a forecast of future performance. Forestry For Life Limited accept no responsibility for any losses, damages, or legal issues that may arise as a result of using this information for your own private or commercial purposes. Forestry For Life Limited will not be liable in any way for the results of any unauthorised access or any unauthorised alteration to this document. This document reflects our general view of the market. You should not take this document as a providing a recommendation or advice. This is not an offer to participate in a collective investment scheme as defined in the Financial Services and Markets Act 2000 (Section 235) and as such, investors have no access to statutory or regulatory protections, including the Financial Services Ombudsman Service and the Financial Services Compensation Scheme. Forestry For Life Limited is not regulated by the FSA, and is not authorised to offer investment advice regarding any regulated or unregulated investment.

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Contact Details

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Forestry For Life T: +44 (0) 845 888 22 55 E: [email protected] www.forestryforlife.com

Laindon BarnDunton RoadBasildonEssexSS15 4DB

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- WWW.FORESTRYFORLIFE.COM -

- FORESTRY FOR LIFE -

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- Laindon Barn, Dunton Road, Basildon, Essex, SS15 4DB -

- T: +44 (0) 845 888 22 55 - E: [email protected] -