TECHNICAL INFO

Size of Pool : 50m lap x 6.5m wide x 1.2 m deep (3 lanes)

Sky Gym : 24-storey (Approx. 12m length x 6m x 3.5m)

Security Feature : Vehicular Card Access/CCTV/Audio-telephony system /Lift Card Access

Jacuzzi : 6-pax Jacuzzi for unit type PH1, PH2 & PH3

Private S. Pool : For unit type PH1, PH2 & PH3

Balcony : For all Typical Apartment Units (Exclude Penthouse units)

Home Gas : City Gas (Except S1, S2, S3, S4, A1 & A2 will provide only with Induction Hob Electric)

Gates : One main vehicular entrance and One Side Gate

Payment Scheme

Normal Payment Scheme (NPS)

Or

Special Loan Package - interest absorption Scheme

PROJECT ACCOUNT

OCBC Limited for Project Account No. 581-435583-001 of Phileap Pte Ltd

Unique Selling Points 1. Equipped SONOS Wireless Multi-Room Music System

2. FIVE different wings of facilities

3. Sky Gym

4. Equipped with different dining experiences

5. WiFi zones on 3 levels

6. Abundance choice of shopping malls and eateries in the area

7. Easy access to public transportation like MRT and buses

8. Only Five minutes' drive from Orchard, the major shopping and entertainment belt

9. Excellent accessibility islandwide via Central Expressway (CTE), Pan Island Expressway (PIE)

CONVENIENCE

MRT STATIONS

Novena MRT Station (NS20) 0.39 km

Newton MRT Station(NS21) 0.76 km

NEAREST SHOPPING CENTRE

United Square/Goldhill Plaza 0.10 km

Novena Square 0.34 km

Square 2 0.43 km

CONVENIENCE

SCHOOL

Etonhouse International School Newton 0.19 km Blk 39 Newton Road Singapore 307966

Alliance Francaise DE Singapour 0.69 km Blk 1 Sarkies Road Singapore 258130

Anglo Chinese Primary School (ACSP Barker Road) 0.79 km Blk 50 Barker Road Singapore 309918

Raffles Girls Secondary School 1.62 km Blk 20 Anderson Road Singapore 259978

Why Lincoln Suites is

a Good Investment?

Estimated Pricing Analysis for Lincoln Suites 2 bedrooms

Below demonstrates how the selling price for Lincoln Suites 2 bedroom units is derived.

From the 2 bedroom chart, the projection of rental until 2013 is $7.50 psf.

The size for the 2bedroom unit at Lincoln Suites is 1033sqft

Projected Monthly Rental = P.S.F Rental x Size

= $7.50 x 1033 sqft

= $7,747.50

Gross Annual Value = Monthly Rent x 12 months

= $7,747.50 x 12

= $92,970

Gross Rental yield on average is 4%.

The selling price is established as follows:

Selling Price = Gross Annual Value / Gross Rental Yield

= $92,970 / 4%

= $2,324,250

Deriving PSF = Selling Price / Size

= $2,324,250 / 1033 sqft

= $2,250 psf

From the above analysis, projected selling price for Lincoln Suites 2 bedroom should be estimated around $2,250psf.

Why property investment in

Singapore?

Singapores Real Estate Transformation

The Worlds Attention on Singapore Transformation

Economic revitalization New Economic Growth Engines

Infrastructure Investment MRT, Highway

Global metropolis Financial hub Asias private banking hub No tax on capital gains No tax on interest income No tax on foreign-earned income Tight banking secrecy laws

Home for the wealthy Removal of Estate Duty Foreigners investing in Singapore properties

Casinos, amusement parks, alfresco dining, bustling arts scene, Formula One

Singapores Economic Growth 20th Century

GDP = S$159,840.4mil

Import/ Export

Wholesale &

Retail Trade

Manufacturing

Construction

Financial Services

Transportation & Storage Trade

Singapores Economic Growth 21st Century

Current GDP = S$ 265,057.9mil

2015 Target 17mil arrivals &

S$30bil tourism

receipts from

MICE & IRs

Tourism

Biomedical, IT, Aerospace, Clean Energy

28,000 New jobs creation till 2018

Import/ Export

Wholesale &

Retail Trade

Manufacturing

Construction

Financial Services

- 4th Most Active

Trading Centre

Transportation & Storage Trade

- Best Airport,

Sea port,

extensive Free

Trade

Agreements

Medical Services

Expected

International

Patient Arrivals of

1mil each year,

contributing 1%

of GDP

HQs for Top 21

largest third

party logistics

companies in

the world

Supply Chain Management

DemographyTarget

Population:

6.5mil by

2040-2050.

Current: 5 milBest place

for business

venturing,

work and

play

TOP Global Ranking

Education

More than 16

Worlds TOP universities.

6 reasons WHY we should invest in Singapore Private

Properties?

Good Hedge Against INFLATION

CPF Interest

2.5%

INFLATION

4%

Bank Interest

< 1%

Inflation makes our money go down in value everyday.

Ultimate hedge offers at least 98% protection with minimum risk

High Capital Appreciation

0

200

400

600

800

1000

1200

1400

1970 1980 1990 2000 2010

Mass Market

0

500

1000

1500

2000

2500

3000

3500

1970 1980 1990 2000 2010

Prime Market

More DEMAND VESUS SUPPLY

Year 2040Target Population 6.5 m

Current Population 5.0m

Yearly Citizen

achieve approx

50,000

Yearly new homes

supply approx

30000

Demand, Supply,

Value goes

LET MONEY WORK FOR YOU

Invest property with approximate 30%

Initial Capital : 20%

Stamp Duty : ~3%

Misc cost : ~ 7%

Mortgage service by tenant as rent.

End of mortgage fully paid by Tenant

Converting CPF into CASH

Receive CASH from rent

Using CPF to service mortgage

Retirement Income Plan

Invest on property now

Eg.: Take mortgage loan

for 30 years

Full payment in 30 years

Rent become retirement income

Advantage of IAS

investment versus NPS

investment via Return of

Equity (ROE) fundamental

Advantage of IAS and its Power of Leveraging

Schedule of initial investment for Purchaser purchasing using IAS.

Example of a $ 2 mil purchase

1st investment amount (5%) = $100,000 (Cash)

2nd investment amount (15%) = $300,000 (Cash or CPF)

No more investment amount / capital outlay till TOP.

When it comes to investment, we look at profit returns. The term most commonly used to reflect this is Return of Equity

(or ROE for short). This is a financial term frequently used by fund managers to reflect profitability based on return of

net worth.

Return of Equity (ROE) = Profit / Capital Outlay

Analysis 1 (with IAS)

For a $2 mil property investment with IAS, there will only be a capital outlay of 20% (1st 5% + 2nd 15%). Assuming

there is a capital appreciation of 20% upon TOP, the property will be worth $2.4 mil. Gaining a gross profit of $400,000

ROE (%) = Profit / Capital Outlay

= $400,000 / $400,000 (20% of $2 mil)

= 100% profit.

Analysis 2 (without IAS)

For a $2 mil property investment without IAS, the capital outlay till TOP will be up to 85%. Assuming there is a capital

appreciation of 20% upon TOP, the property will be worth $2.4 mil. Gaining a gross profit of $400,000

ROE (%) = Profit / Capital Outlay

= $400,000 / $1,700,000 (85% of $2 mil)

= 23.5% profit

Based on the above analysis, it shows that investment using IAS will definitely be more attractive.

Advantage of IAS and its Power of Leveraging

Schedule of initial investment for Purchaser purchasing using IAS.

Example of a $ 2 mil purchase

1st investment amount (5%) = $100,000 (Cash)

2nd investment amount (15%) = $300,000 (Cash or CPF)

No more investment amount / capital outlay till TOP.

When it comes to investment, we look at profit returns. The term most commonly used to reflect this is Return of Equity

(or ROE for short). This is a financial term frequently used by fund managers to reflect profitability based on return of

net worth.

Return of Equity (ROE) = Profit / Cash Outlay

Analysis 1 (with IAS)

For a $2 mil property investment with IAS, there will only be a capital outlay of 20% (1st 5% + 2nd 15%). Assuming

there is a capital appreciation of 20% upon TOP, the property will be worth $2.4 mil. Gaining a gross profit of $400,000

ROE (%) = Profit / Cash Outlay

= $400,000 / $100,000 (20% of $2 mil)

= 400% profit.

Analysis 2 (without IAS)

For a $2 mil property investment without IAS, the capital outlay till TOP will be up to 85%. Assuming there is a capital

appreciation of 20% upon TOP, the property will be worth $2.4 mil. Gaining a gross profit of $400,000

ROE (%) = Profit / Cash Outlay

= $400,000 / $1,700,000 (85% of $2 mil)

= 23.5% profit

Based on the above analysis, it shows that investment using IAS will definitely be more attractive.

Investment make attractive if you have

a lot of money in CPF

ROE (%) = Profit / Cash Outlay

= $400,000 / $100,000 (5% of $2 mil)

= 400% profit