Income in retirementA residential property alternative for pension planning

O R T O N P L A Z A P E T E R B O R O U G H

I N T R O D U C T I O N

Prosperity Property for Pensions - An income for life

‘’

We’re not property agents, high commission

introducers or an investor club; at Prosperity

we create and promote our own products,

underwritten by our in-house ‘Prosperityfund’

allowing a genuinely unique property product,

as an alternative or addition to the standard

pension options.Our bespoke ‘property for pension’products are the only monthly savingsbased property investment alternatives onthe market today. Clients can now buy UKproperty for less than £500 per monthwith guaranteed rental income fromcompletion. What’s more, our clients havethe unique opportunity to invest monthly,yet own the underlying property asset oncompletion. All of this possible due to theunique way our fund underwritesdevelopments from the very early stagesthrough our in-house ‘prosperityfund’.

2ndSecondly, properties are

based on genuine discountedprices - fully checkable

by real local property comparables.

3rd

Thirdly, all properties sourced produce high rental yields - sometimes available on a

guaranteed lease back basis.

4th

And finally, the real Prosperity difference -

Clients’ deposits will build up over time, resulting in minimal

up-front investment and the greatest protection of capital,

as monthly premiums are introduced throughout the

build period.

Although sold as investments, all of ourproperties are 100% standard build indesirable owner occupied locations,providing the best capital appreciationacross a long-term period.

We’ll manage the whole process from startto finish; from the initial reservation, rightthrough the sale and build of the propertyand post completion. In addition, our fulllettings and property management offersour clients a truly hands off investment.

1stFirstly, clients buy and own

an actual property as an assetrather than have an investment

via a fund - available at the same, minimal level of

investment.

T H E S C H E M E

Development Plan

Orton Plaza will comprise 61 quality apartments, built within greenspace with the addition of retail and leisure facilities.Offering a mix of one and two bedroom properties across elevenfloor plan types, our Orton Plazascheme sits centrally within theoverall development. Additionalamenit ies include the newBushfield Academy, catering forover 1,000 students, as well as anextensive health and leisure facility,bowls club and brand new public

ACADEMY

BUSHFIELDSPORTS &LEISURECENTRE

ORTON PLAZA RESIDENTIAL

BOWLINGGREEN

NEW LIBRARY

NEW HEALTH CENTRE & DENTAL

PRACTICE

CAR PARKING

RETAILCOMPLEX

P E T E R B O R O U G H

Location

Peterborough is one of the UK’s fastest growing, greenest and mosthistoric cities. It has an incredibly vibrant arts, culture and heritagecommunity with levels of activity not typically found in communitiesof comparable size.Described as one of England's 'mostinteresting places to live', thecathedral city hosts a continualevents and festival calendar.Peterborough’s city centre offersthe total shopping experience fromtop designer brands to independentretailers, high street favourites andthe famous farmers market held

once a week in the city centre.Peterborough’s fantastic eateries,r e l a x i n g c a f é s a n d s t y l i s hrestaurants mean there is always ahuge choice where the c i ty ’sculinary scene prides itself on thestrengths of i ts independentrestaurants which truly reflect thecity’s multiculturalism.

Library, due for completionSpring 2013.

Additionally, a medical and dentalcentre and ASDA Superstore arecurrently underway and set forcompletion in Sept 2013. Alreadyresident anchor stores within thedevelopment include NatWestBank, Wilkinson’s , L loydsPharmacy, Greggs, Co-Operative

Food, Martins Newsagents andQD Home Stores.

Orton Plaza caters for the localprofessional and families alike witheverything so close to hand. For achange of scenery, Peterborough’svast range of eateries, relaxingcafés, shopping centres, stylishrestaurants and business centresare all only ever minutes away.

Assets are thekey to long

term wealth

Fully managedhands off

investment withthe benefits of

direct ownership

Prices from

GBP£61,750

Centrallylocated

within walking distance to restaurants, cafés,

banks, shopping areas,main business

centres and the newly built Bushfield Academy

O R T O N P L A Z A

Peterborough

24 monthdepositscheme

Full property management with a

specific account manager, offering an

allocated,

one point of contact for

overseas clients

Positive cashflow with

coverage ofrepaymentmortgage

plus income

Key Points

O R T O N P L A Z A

Peterborough

High yieldingat a gross average of

9%+

Built in capital equityfrom point of

purchase

Excellent transport linkswithin walking distance to a mainline railway station

45 minutes to Cambridge or London and less than 4 miles from motorway access A1 (M)

High qualityspecification

Mix of one &two bedroomapartments

within mixed use

development

Key Points

PETERBOROUGH

BIGGLESWADE

ARLESEY

HITCHIN KNEBWORTH

STEVENAGE WELWYNNORTH

WELYNGARDEN CITY POTTERS BAR

HATFIELD FINSBURY PARK

LONDONKING’S CROSS

HEATHROWAIRPORT

HOUNSLOWWEST

GLOUCESTERROAD

SOUTHKENSINGTON

HYDE PARKCORNER

KNIGHTSBRIDGE GREEN PARK

PICCADILLYCIRCUS

COVENTGARDEN

LEICESTERSQUARE

HOLBURN

KING’S CROSSST PANCRAS

45 minutes total travelling time

ON SITE AMENITIES

Asda Superstore - due to open 2013

The Co-Operative Food

Greggs

Lloyds Pharmacy

Wilkinson

Natwest Bank

Orton Centre Post Office

Orton Library

Ormiston Bushfield Academy - due to open 2013

Bushfield Leisure Centre

Orton Medical Centre - due to open Spring 2013

Bushfield Ortongate Dental Practice

Bowling Club

W H Y P E T E R B O R O U G H

Local Amenities

W H Y P E T E R B O R O U G H

Local Amenities

LOCAL SCHOOLS

Orton Goldhay Primary SchoolPeterborough PE2 5RFT: 01733 234185

Orton Longueville PlaygroupLakeside Centre, Orton Longueville, Peterborough PE2 7EA T: 07803 871737 www.btck.co.uk

Antler Languages Ltd - Language SchoolThe Old Town Hall, Market PlaceOundle, Peterborough PE8 4B

University of PeterboroughPark Crescent, Peterborough PE1 4DZT: 0845 196 5750

Peterborough Regional CollegePark Crescent PE1 4DZT: 0845 681 0430

LOCAL PUBS

Greyfriars Taverns LtdThe Eldern, Peterborough PE2 5NQT: 01733 234138

The Dragon FlyHerlington Centre, Peterborough PE2 5PN T: 01733 230863

Cross Keys279 Oundle Road, Peterborough PE2 9QS T: 01733 565103

The WoodstonBelsize Avenue, Peterborough PE2 9HX T: 01733 565582

Cherry Tree9 Oundle Road, Peterborough PE2 9PB T: 01733 703495

Posh PubLondon Road, Ground, PeterboroughPE2 8AL T: 01733 563654

LOCAL RESTAURANTS

Fusion Bistro Ltd - Bistro restaurant23 Chisenhale, Orton, PeterboroughPE2 5FP

Candlesticks Restaurant Speciality cuisine1 Church Lane, Peterborough PE9 2JU

Prezzo Restaurant - Italian cuisine2 Cowgate, Peterborough PE1 1NA

Beijing Rendezvous - Chinese cuisine59 Napier Place, PeterboroughPE2 6XN T: 01733 234450

Taj Mahal Restaurant - Indian cuisine37-39 Lincoln Road, PeterboroughPE1 2RH T: 01733 348840

Antonino’s PizzeriaSpeciality & traditional pizzas149 Main Street, Peterborough PE7 3LD T: 01733 243197

Fishtastic - Fish cuisine23 Oakleigh Drive, PeterboroughPE2 7BG T: 01733 235 161

Peterborough Museum & Art Gallery

Anglia Ruskin University

THE ARTS

Showcase CinemasMallory Road, Boon GatePeterborough PE1 5AUT: 0871 2201000

Key TheatreEmbankment Road, PeterboroughPE1 1EF T: 01733 207239

Stamford Arts Centre27 St. Mary’s Street, PeterboroughPE9 2DL T: 01780 763203

Stahl TheatreWest Street, Peterborough PE8 4EJ T: 01832 273930

Stamford Corn Exchange TheatreBroad Street, Peterborough PE9 1PX T: 01780 766455

Peterborough Museum & Art GalleryPriestgate, Peterborough PE1 1LFT: 01733 343329

Thorney Heritage MuseumThe Tank Yard, Station RoadPeterborough PE6 0QET: 01733 270780

LOCAL AMENITIES

Designers Unisex Hairdressers1a Market Place, Oundle, Peterborough PE8 4BA

Ethos Hair & Beauty44 New Road, Woodston, Peterborough PE2 9HA T: 01733 342111

Judith Day Optometrist5 Market Place, Oundle, Peterborough PE8 4BA

Definition GymUnit 10-11 Maxwell Road, Peterborough PE2 7HU T: 01733 236550

Fengate Health & Fitness CentreFengate, Peterborough PE1 5XB T: 01733 551368

Fitness First Health CentreLime Kiln Close, Peterborough PE3 9TA T: 01733 897061

Stanground LibrarySouthfields Avenue, PeterboroughPE2 8RZ T: 01733 864280

Barclays Bank PlcNew Street, Oundle, PeterboroughPE8 4EB

Guildhall at night, Cathedral Square, Peterborough

LONDON TRAIN CONNECTIONSPICCADILLY TUBE LINE

R

F I X T U R E S & F I T T I N G S

Interior SettingWith space to breathe

KitchenThe heart of

the home

BedroomA place for rest

BathroomLuxury with practicality

T Y P I C A L F L O O R P L A N S

One and Two Bedroom Floor Plans

‘One beds with parking from

GBP £61,750 / USD $98,800’

Once inside, you can enjoy the usual high specification and quality

finishes produced as standard for Prosperity investors, such as oversized

windows for maximum natural light, brushed steel ironmongery, hard

wood veneer doors and stainless steel sockets throughout. These high

grade finishes, combined with custom built kitchens with integral

appliances and stylish bathroom designs, come together to create a

home offering luxury with comfort.

Comprising eleven varying floor plan configurations, Orton Plaza offers

a selection properties, some with outdoor space, across a mix of one

and two bedroom apartments and duplexes, and all with parking.

Type 7 - 2 Bedroom Duplex Apartment

Type 5 - 2 Bedroom Apartment

Bedroom

Type 6 - 1 Bedroom Apartment

Bathroom

Living / Dining Kitchen

Prosperity is working in conjunction with letting and managementspecialists Belvoir! to provide a fully managed service for all of ourOrton Plaza investors. Based in Peterborough, Belvoir! cover allaspects of tenanting and maintaining property to include fullmanagement with tenant liaison and administration.Our brief to Belvior! for theProsperity client - provide a guaranteedrental income incorporated withina profess ional and ef f ic ientmanagement service that offers afull hands-off service to our clients.Quarterly reporting procedureswith an allocated, client specificaccount manager, offering owners asingle point of contact when deal-

ing with any of their propertymanagement enquiries.

(See further information in Appendix section)

T H E L O C A L M A R K E T

Rental & Sale Values

We let our figures dothe talking- Local new build apartmentswithin a mile radius of Orton Plazaare achieving on average £206.00per sq.ft. (based on comparableevidence) with Orton Plaza. Investorpurchase prices sit firmly below thisfigure as after discount, our £ per

Cathedral Square, PeterboroughGuildhall, Cathedral Square, Peterborough

sq.ft. prices equal an average of£115.00 - a saving of over £90.00per sq.ft.

W i t h f u r t h e r g r o w t h d u e ,Peterborough has seen propertyprices increase by over 3%+ in 2012with further demand set to continuethrough 2013 onward. As commuterbelt territory to London, the ripple

Punting on the River Cam, Cambridge

Orton Plaza presents a rare opportunity for both owner-occupiers and

investors to purchase quality property within the

'London-Stanstead-Cambridge-Peterborough Growth Corridor'

Benefitting from over £1 billion regeneration funds spent over the past six years,

this site is ideally situated for families and young professionals alike,

who can enjoy both the wide range of facilities close by and remain within

easy travelling distance to central London.

‘

’Mike BurnageChairman Academy of Chief Executives

effect from price hikes in the capitalcontinues to push surrounding areashigher in both sale and rental values.With this built in equity and theexpected capital appreciation of ‘outergrowth corridor towns’ we expectvalues to show at least a 15%+ equitymargin over and above your depositpaid by the time of completion.

Example plot : APARTMENT NO.18 NE - 1 BedSUMMARY GBP USDPurchase price £66,500.00 $106,400.00

Reservation and ExchangeProsperity transaction fee 3% (Minimum £3,000 / $4866) £3,000.00 $4,800.00Reservation deposit - 10.00 % of purchase price £6,650.00 $10,640.00Legal Fees (50% of + disbursements) £500.00 $800.00Reservation / Exchange stage total due £10,150.00 $16,240.00

20% monthly payment stage £13,300.00 $21,280.0020% deposit divided by 24 months build schedule £554.17 $886.67

Completion Stage 70% of purchase price by way of mortgage £46,550.00 $74,480.00Mortgage arrangement fee (estimated) 1% £665.00 $1,064.00Legal Fees (50% balance of + disbursements) estimated £500.00 $800.00Amount Due at Completion Stage £1,165.00 $1,864.00

IncomeEstimated Gross Rental Income (GPB £475.00 / USD $760.00pm) £5,700.00 $9,120.00

ExpensesService Charge (estimated) £500.00 $800.00Ground Rent (estimated) £50.00 $80.00Tenant Management Fee’s @ 8% +vat £456.00 $729.60Total expenses (GBP £83.83 / USD $134.13 pm) £1,006.00 $1,609.60

Income net expenses subject to mortgage (GBP £391.17 / USD $625.87 pm) £4,694.00 $7,510.40

Mortgage InformationMortgage - interest only (GBP £167.58 / USD $268.13 pm) £2,010.96 $3,217.54Mortgage - repayment 14yrs (GBP £375.04 / USD $600.06 pm) £4,500.48 $7,200.77Mortgage - repayment 25yrs (GBP £256.78 / USD $410.85 pm) £3,081.36 $4,930.18

Net cash flow on Interest Only basis (GBP £223.59 / USD $357.74 pm) £2,683.04 $4,292.86Net cash flow on Repayment basis - 14yr term (GBP £16.13 / USD $25.80 pm) £193.52 £309.63Net cash flow on Repayment basis - 25yr term (GBP £134.39 / USD $215.02 pm) £1,612.64 $2,580.22

AssumptionsMortgage Amount 70% Exchange RateMortgage Rate (pa) 4.32% ReutersLoan Terms suggested 14 years GBP £1.00 / USD $1.60

Due to the specific way we underwrite our developments, Prosperityis able to offer our unique payment structure for Orton Plaza clients- a first for property investment.

CLIENT � CONTRIBUTION �

FIRST 18 MONTHS

FULLY MANAGED 180 MONTH MORTGAGE COVERED

BY INCOME

8.7% 17.4% 60.9%13%

RESE

RVAT

ION

£8,7

00

EQUITYBONUS£13,000

18 x £967

INCOME PRODUCED FOR LIFE - EXAMPLE PROPERTY £100,000Producing £7,200pa

� �INCOME FOR LIFE

£7,200pa

�

Following a 10% (of purchase price)reservation deposit, the remainingdeposit payable is divided by thebuild term months so it can be paidthroughout the construction period- paid on a monthly basis. Thisallows you to retain your capital thatmaybe tied up in other investments,or leave any cash lump sums in thebank. Prosperity clients pay theirdeposits over the build period,maximising their return on capital.

O U R U N I Q U E P A Y M E N T P L A N

Orton Plaza Example

A mortgage of 70% is arranged oncompletion. For Orton Plaza, 10%reservation deposit including ourpackaging fees start from just£9,175, followed by your remaining20% divided over the next twentyfour months (starting January2013) from as little as £515.00 permonth.

Ask your advisor for a plotspecific quote.

O U R U N I Q U E P A Y M E N T P L A N

Income for Life

River Nene, Peterborough

‘Purchase from as little as £9,175

deposit followed by 24 monthly payments

of £515 pm’

P A S T S U C C E S S E S

An example of our most recently delivered developments

London RoadPeterborough, EnglandDevelopment overview - A self-contained, mixed use development, setacross two levels, offering residentialand commercial use, comprising of 14residential units on the first floor, eachset within a courtyard design.Peterborough has seen property pricesincrease by over 3%+ in 2011 with furtherdemand set to continue through 2012.

As commuter belt territory to London,the ripple effect from the price hikes incentral London continues to pushsurrounding areas higher in both capitaland rental values.

St George’sBirmingham, EnglandDevelopment overview - A self-contained development set across threephases of residential and mixed usecommercial. Phase one comprises 110units - 62 one bedroom and 48two-bedroom apartments. Phase twocomprises 24 units - 13 one bedroomand 11 two bedroom apartments acrossthree storeys, each set within a courtyarddesign.

The numbers - With the average sq.ft.value in Birmingham currently standingat £295.00, the comparables are mostfavourable to our properties, withSt George’s offering at £200.00 persq.ft. An equivalent scheme, 'St Paul'sPlace' within the same location feetchesup to £335.00 per sq.ft. This furtherproves the excellent value offering inour St George’s investments.

“I was impressed by Prosperity’s straight talking approach to my investment,

and the level of input receivedfrom their side - it truly is ahands-off investment which is exactly what I wanted.”David Yelloly

CEO Montpelier Europe

“I really enjoyed working with Prosperity. From a time

investment point of view, the fact that all costs and

letting management are fullyorganised was a major attraction to me. I have

bought numerous propertieswith Prosperity and shall

continue to do so.”Simon Browne Director Reckitt Benckister Europe

With over one thousand properties completed on our payment plan

formula, our track record on delivering in the property investment

industry is second to none. Our product ensures confidence every step

of the way, offering you additional reassurance in the benefits of

adding property as part of an overall portfolio.

The numbers - Local new buildapartments are achieving an average of£206.00 per sq.ft. with London Roadretail values sitting firmly below thisrange, after discount at £131.00 persq.ft. Additionally, these properties havethe added premium of being new buildhousing, set in a newly landscaped secureenvironment. With this built in equity,values are showing a 15%+ equity marginover deposit level on completion.

“I required lots of detailed

information in order to make my decision - all of which I received in

a concise and accurate manner. Completion went very smoothly as did

letting management. I have recommended Prosperity’s services to

other sporting professionals within my organisation.”Cyrille Regis, MBE

UK OFFICE: Barston Lane, Eastcote, Solihull B92 0HR

DUBAI OFFICE: Suite 14, Office 605, 6th Floor, The Fairmont Dubai, Sheikh Zayed Road, Dubai, United Arab Emirates PO Box 73310

For further information please contact Prosperity:Tel UK: +44 (0)845 676 9799 Tel Dubai: +9714 311 6928

E: enquiries@prosperityfund.co.uk

www.prosperityfund.co.uk