Hi Nairalanders

I have gone through the posts here and I must commend them for their innovative ideas. The truth is the more people you help the better you become.
I am involved with an Awesome NGO where we touch lives and empower people globally.. You can start make a donation of about 20k and all u need is an internet enabled phone and you are on your way to success.. I will share some of our pics. Whatsapp me for more info....

Start Your Own Hair Business
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Bill Gates Condemns iPad, Says Lots Of Users Are Frustrated"

Bill Gates took a shot at the iPad while explaining Microsoft’s rationale for the Surface on monday morning on CNBC.

He was asked about the declining PC market. He said that tablets are growing in popularity, and it’s “going to be harder and harder to distinguish products” that are PCs versus tablets.

The Surface, he says, brings the “portability of the tablet but the richness of the PC.”
He then said of people using iPad-like devices, “A lot of those users are frustrated, they can’t type, they can’t create documents, they don’t have Office there.”

While some people are frustrated by the iPad’s limitations, most embrace it. Apple sold 19.5 million iPads last quarter. Over that same period, HP, the world’s number one PC seller, sold 11.7 million PCs, according to Gartner

Many people have different pads that are merely decoration, because they can't move documents around from between their laptops and their pads, and because they can't use the same applications on both devices. There is a big market for an effective pad, that has capacity to substitute your laptop, substitute your phone, give you access to your email and social media sites, and also be used for presentations, entertainment and more. This welcomes you to A2W's Verizon Tab.

Now imagine if you can have a tablet that will have USB so you can copy files in and out with flash drive and even connect external hard drive to it.

Imagine if you can work on the go e.g. create, edit and view Excel/Word/PowerPoint documents, view your AutoCAD drawing on the go and print wirelessly.

Imagine if you can insert GSM SIM card in the same tablet and make phone calls, send SMS, chat with Skype Video and browse anywhere.

Imagine you can connect it directly to your TV via HDMI cable that comes with it, imagine you can charge it with your blackberry charger and car charger. Imagine you can copy files directly from your laptop. Also imagine that it comes bundled with child educational applications and games, so your son or daughter can have a go at it as well.

Imagine that you can use an Internet modem with the device as an additional internet source, and convert the internet asset into an internet hotspot for 5 other computers.

Imagine if the tablet is very affordable, and best of all, imagine that it comes with a Business Pack application that gives you a personalized website, a tracking centre, online marketing tools and an opportunity to earn extra income from building a business with the device.


7" Verizon Tab 2

Package Inclusions:

The Verizon Tab 2 with 3G
Folder and Stylus
HDMI Cable
Ear Piece
USB Adaptor
Direct to Laptop connector
Duo Core, 1GHz, 1GB Ram, 8GB Hard Disk, Full Sim Slot, SD Ram Slot, Wi fi, 3G, MiFi 4.01 Android Ice-cream sandwitch, 0.3MP Camera in Front and 2MP camera at the back.
Children Education Materials and Games


10" Verizon Tab 2

Package Inclusions:

The Verizon Tab 2 with 3G
Folder and Stylus
HDMI Cable
Ear Piece
USB Adaptor
Direct to Laptop connector
Duo Core, 1GHz, 1GB Ram, 8GB Hard Disk, Full Sim Slot, SD Ram Slot, Wi fi, 3G, MiFi 4.01 Android Ice-cream sandwitch, 0.3MP Camera in Front and 2MP camera at the back.
Children Education Materials and Games

Cooperative FAQs


What is the minimum amount for monthly savings?

The minimum monthly savings is N5,000

What is the minimum amount for share capital investment?

The minimum share capital investment varies based on value appreciation per share which shows profit made in the quarter before. The current share capital minimum is N55,000

What does share capital investment mean and what does it cover?

The share capital investment is cooperators' shares in the organization which is aimed at taking part in various investment vehicles, currently in trading, real estate and transportation. Dividends are declared after 6 months of members' investments.

Can I participate in share capital investment anytime?

You can only participate in the share capital investment in 4 months of the year: January, April, July and October.

Can I be a part of the cooperative with an expired privilege pack?

Yes, you can join the cooperative with an expired privilege pack, as long as it did not expire longer than 3 months ago. Please note, you will only have 3 months to renew your Privilege Pack from the date it expired or you will be requested to leave the A2W Coop.

When do I qualify for a loan?

You qualify for a loan after 6 months of making consistent savings

When do I receive dividends on my share capital investment?

Dividends on share capital are declared and paid twice a year, January and July.

If I default in paying my savings in a particular month, can I pay arrears in the next month?

No, you cannot pay in arrears; whichever month's savings was not made is gone, you're just advised to continue with subsequent months.

Does the cooperative have regular meetings where we receive updates? If yes, how often?

Yes, the cooperative holds regular meetings when necessary in Lagos; and minutes of meeting will be sent to all members including those who are unable to attend either by location or for any other reason.

Is my share capital investment dependent on my rank in Avenues to Wealth?

Yes, for every rank in Avenues to Wealth, there's a limit to how much you can invest in the share capital (Maximum for Paid Affiliate = N550, 000; Maximum for Bronze = N2, 200,000; Maximum for Silver = N11,000,000; Maximum for Gold = N22,000,000; Maximum for Platinum = N55,000,000)

How do I exit from the cooperative?

You exit from the cooperative by writing a letter to the management indicating your intention to discontinue your membership.

How much time notice do I give if I want to exit the cooperative?

You need to give a minimum of 3 months notice for share capital investment and 1 month's notice for savings to the cooperative management to allow for proper account collation and records.

What is the service charge to be paid on loan?

The service charge to be paid on loan is 1% per month.

Do I have an option of choice as to what vehicle my share capital investment goes?

For now, all investments go into the same vehicle. Possibly, with time, options can exist where members can choose.

What does it take to be a member of the cooperative?

You must be a distributor of Avenues to Wealth, pick up a form or download online and pay the registration fee, and then you can commence the savings and share capital investment if it's the month for it and you're interested.

Apart from monthly savings and share capital investment, are there any other levies to be paid as a cooperator?

No, there are no extra levies to be paid as a cooperator.

What are the criteria for getting a loan?

You must have paid your monthly savings consistently for 6months; you must produce 2 guarantors who are also members of the cooperative and each have at least the amount of loan you want to take as loan in share capital.

Who owns the cooperative?

The cooperative is owned by the members of the cooperative, a.k.a the cooperators.

Is the cooperative registered legally by any regulatory authority?

Yes, the cooperative is registered by Lagos State Ministry of Agriculture and Cooperatives.

What is the interest rate /ROI on share capital investment?

There's no fixed interest rate/ROI on share capital investment. ROIs are based on profits made from businesses/investments made. There is no guaranteed income.

Is profit shared on savings?

Yes, at the end of the year, during Annual General Meeting, profit is shared on savings based on service charge on loans and group buys, no fixed percentage as well.

If I've cumulatively saved up to N55,000, can I move it to share capital investment?

The cooperative from time to time, calls for members who are interested in moving their savings into share capital to do so. At such times, cooperators who have saved up to the minimum share capital investment can do so. This also means you'll start making your savings afresh.

For the share capital investment, does the value per share remain constant all through the year?

As business is done with cooperators' funds and profit is made, the value per share of the investment appreciates with time. If a loss is recorded, the value drops as well.

What does "Fractional Property Ownership" mean?

Fractional Property Ownership refers to ownership of a fraction of a real estate investment either locally or globally. This is achieved when members' funds are pooled together towards a big deal, and when the property is rented out or sold, members make returns based on the amounts they have in the investment.

What is the penalty for inconsistent payment of monthly savings?

Inconsistent payment of monthly savings will affect value of money to be received during profit sharing and ease of loan processing.

Can I increase/upgrade my monthly savings? What are the requirements to effect that?

Yes, monthly savings can be increased or upgraded. A simple mail to the cooperative stating such intention will suffice.

Can I add to my share capital investment? If yes, how often?

Yes, you can add to your share capital investment in any of the 4months stated for that to be done: January, April, July and October.

Can I make bulk payments in advance for monthly savings?

Yes, bulk payments can be made in advance for monthly savings.

Can I reduce my monthly savings in any month?

Yes, you can, but the minimum savings to be paid in any month remains N5,000

Its better to be a part of a cooperative if you want to invest.my cooperative gives me 20% ROI and the dididends are paid twice a year..its 4 yrs old ...call me on 08131114418 for more info..

That was a typo and if you aren t interested move on and stop killing time on my post....

This device has 85G memory expandable to 32G,Android 4.0,TF card slot,mini usb,full sim card slot,HDMI ,front camera 0.3 mega pixel,Rear camera 3.0 Mega pixel,wifi,usb dongle ,hot spot for 5 internet users.HDMI cable that moves files from the device to your flat screen ,comes with its own microsoft office,adobe,power point,excel and you name it.

We are the only distributors of this device in Africa,Europe,Middle East and Asia...its called a Verizon Tab...

iykedenis: HOW MUCH DOES IT COST.

The 7.1' device goes for 60k while the 10.1'goes for 80K ..they both come with a year warranty....
We have got full distributorship over this product in Europe,Asia ,Middle east and Africa.I can deliver to any state in Nigeria in about 48hrs.

So You Want To Be An Entrepreneur? Your Democracy Day Invitation...

Having success in the business world is attributed in large part to your own thinking and the mindset that you bring to this new avenue of making money.

Most people arrive here wanting to break free from the rut of a nine-to-five job that they’re no longer passionate about. The hours are long, the work is never-ending, and the pay is poor. Huh! On second thoughts, it sounds very similar to the beginnings of the entrepreneurial world.

What many people don’t realize is that the major hindrance to success in their business niche has nothing to do with technique or value, but with the job mentality that they have brought along with them.
Crossing over from a job to business is not just a physical move—it also involves a complete change in your mindset. It is a completely different world to what you’re used to in the cubicle farm. I often see arguments break out online which immediately make me wonder whether the people involved have an entrepreneurial mindset or a job mentality.
To cross over to the entrepreneurial world, you need to adopt the following ways of thinking.

1. Change is Evolution.

Job people become stuck in the way things are done, and always have been done. They are used to rules, schedules, and procedures. When they cross over into the business world, they discover that the rules have changed—and often, they can’t handle it.
Entrepreneurs understand that in the business world, the rules are always changing and if you don’t evolve with them, you’re going to die.

Sometimes I just want to shout, “Listen up! The rules have changed. You are not in the banking world any more. You are in the online world. The place where degrees and awards don’t matter. Anyone can start a website and have massive success with it. Whether you like it or not, doesn’t count. This is the reality of online marketing and building your own business. You either become an entrepreneur and adapt to the new world, or you sink—fast.”
How many highly successful entrepreneurs do you know who were never great at school and didn’t get a college degree? Let’s see. There’s Bill Gates, Andrew Carnegie, Walt Disney, Richard Branson … They have gotten where they are because of their entrepreneurial mindset. Entrepreneurs don’t try to fit the square peg into the round hole—they become a round peg instead.

2. Think big

Entrepreneurs think big and focus on the ultimate vision of what they are doing. They think outside of the box to look for new and unique ways to be successful and make money. They do not follow the herd. They watch and learn, and then say, “How can I make this better? How can I do this in a different, yet bigger way?” When you think outside the box, you create things that make you move above the crowd.
Job people concentrate only on the tasks at hand, and follow what most other people are doing. They are not used to focusing on the bigger picture as it has never been their vision to worry about. Bringing that limitation over to the entrepreneurial world can stifle your creativity and restrict your ability to handle and solve the many challenges that will arise.

Quitting becomes an easier option. Entrepreneurs know that the road to eventual wealth and success can be long and difficult, and the bigger vision helps move them through that period.

One of my favorite Donald Trump quotes is, “If you are going to be thinking anyway, you might as well be thinking big.” If you think small, you receive small.
I began my quest into entrepreneurship with the intention not to make a few bucks here and there, but to look towards a bigger picture that can lead me to earning vast amounts of income from many different sources. This bigger picture has an impact on my overall strategy.

3. Self-promotion

I know people who are afraid to hand out their business cards, or tell people who they are and what they do. When you are able to do that confidently, you have made a big jump over into the entrepreneurial mindset.
No one is going to promote you for you. No one is going to care about what you have to offer more than you.
If you want to have success in an entrepreneurial world, you have to learn to promote yourself. Think of all the big brand people you know: Richard Branson, Donald Trump, Oprah Winfrey. What are all these people good at? Self-promotion.
Entrepreneurs are willing to do whatever it takes. Hand out those business cards, shake that person’s hand, and speak confidently about what you do and how you can offer value to others. Invite people to check out your website and connect with you via your networks. Share your work and successes.
You are guaranteed to receive criticism for doing this. Concentrate on your bigger picture and understand the criticism comes from those who want to do what you do, but have not yet broken free from the job mentality.

4. Networking is vital

Job mentality people tend to call this a “You scratch my back, I’ll scratch yours” kind of deal, and in some ways it is. But, in my entrepreneur mind, I never see it as being the case that if I do something for you, you have to do something for me in return.
It has more to do with building relationships and from those, interacting with those you like and trust. A natural extension of a relationship with someone you like and trust is to read their work, use their products, and recommend them to others. People do business with those they like and trust, just as they are friends with those they like and trust. There’s nothing shady about it.
Entrepreneurs immediately start building their networks of professional and business contacts. They understand the power and truth in the saying “It’s not what you know, it’s who you know.”
Networking is not just about what others can do for you, but what you can do for others. Being an entrepreneur means helping out others and providing value when you can. It means creating a mastermind group of people you can share and bounce ideas off of. You don’t hold your cards to your chest for fear of losing out and having others rise to the top over you.

5. Learn from those you want to be like

In the job world, we are taught that to move up the ladder and get that much-desired promotion, we need to prove we are better than the rest. It becomes a dog-eat-dog world: the knives come out and we are prepared to stomp all over those beside us in order to get to the finish line first.
Entrepreneurs have the intention to be the best at what they do; they are competitive and like to win. But, they know they don’t have to destroy others in the process. They understand that we each have a unique perspective or value that we can offer.
They understand that the best way to get to the top is to learn from those who are where you want to be. They don’t look at the person in the mansion on the hill and feel jealous. Instead, they find out that person’s name, they give them a call, and they say, “Hey. I really like what you have achieved. I want to be like you. How can I learn what you know?”
And usually that successful entrepreneur replies, “Well, how about we meet up for coffee and I can go over a few things with you?”
Entrepreneurs understand the concept of abundance. They understand what it takes to get to the top and they are more than happy to take the time to help someone do the same. As with everything in life, there will always be anomalies, but I have never met an entrepreneur yet who I have not had an interaction with that’s similar to what I have just described.

6. Making money is a good thing

Entrepreneurs think like this. They believe they can offer value and know they deserve to be rewarded for it. Because of this, they are not afraid to ask for the money and they don’t believe it’s dirty when they get it. They approach all transactions from a win-win perspective and there’s nothing bad about this.
On a similar level, I hear many entrepreneurs say they feel they are selling out on their network by selling things to them. Really? If your network expect you to spend countless hours every day giving valuable content that informs and entertains, without receiving any compensation for it, then you need to get new network.
Do you think they feel the same way when they pick up a magazine, a newspaper, or turn on the TV? Why do people think that when you enter the business world, suddenly you should start working for nothing? If you have a job mentality then you may not get past these uncomfortable feelings of “selling out.”

You are doing this for the passion—yes! But you are also doing this for the income you originally craved so you could start living your life by your desires.

Think like an entrepreneur: “There is nothing wrong with making money. Making money enables me to move forward and grow, so I can in turn provide more value.”
If this article has struck a raw nerve with you, then ask yourself, “Could this perhaps be a sign that I have not yet crossed over?” Well … have you crossed over?

OK. Let me help you out.

THERE IS NO SUCH THING AS JOB SECURITY ANYMORE IN NIGERIA.....JOIN A GREAT NETWORK MARKETING COMPANY AND LEARN HOW TO OWN YOUR LIFE AND ACHIEVE YOUR DREAM.....So You Want To Be An Entrepreneur? ........

Having success in the business world is attributed in large part to your own thinking and the mindset that you bring to this new avenue of making money.

Most people arrive here wanting to break free from the rut of a nine-to-five job that they’re no longer passionate about. The hours are long, the work is never-ending, and the pay is poor. Huh! On second thoughts, it sounds very similar to the beginnings of the entrepreneurial world.

What many people don’t realize is that the major hindrance to success in their business niche has nothing to do with technique or value, but with the job mentality that they have brought along with them.
Crossing over from a job to business is not just a physical move—it also involves a complete change in your mindset. It is a completely different world to what you’re used to in the cubicle farm. I often see arguments break out online which immediately make me wonder whether the people involved have an entrepreneurial mindset or a job mentality.
To cross over to the entrepreneurial world, you need to adopt the following ways of thinking.

1. Change is Evolution.

Job people become stuck in the way things are done, and always have been done. They are used to rules, schedules, and procedures. When they cross over into the business world, they discover that the rules have changed—and often, they can’t handle it.
Entrepreneurs understand that in the business world, the rules are always changing and if you don’t evolve with them, you’re going to die.

Sometimes I just want to shout, “Listen up! The rules have changed. You are not in the banking world any more. You are in the online world. The place where degrees and awards don’t matter. Anyone can start a website and have massive success with it. Whether you like it or not, doesn’t count. This is the reality of online marketing and building your own business. You either become an entrepreneur and adapt to the new world, or you sink—fast.”
How many highly successful entrepreneurs do you know who were never great at school and didn’t get a college degree? Let’s see. There’s Bill Gates, Andrew Carnegie, Walt Disney, Richard Branson … They have gotten where they are because of their entrepreneurial mindset. Entrepreneurs don’t try to fit the square peg into the round hole—they become a round peg instead.

2. Think big

Entrepreneurs think big and focus on the ultimate vision of what they are doing. They think outside of the box to look for new and unique ways to be successful and make money. They do not follow the herd. They watch and learn, and then say, “How can I make this better? How can I do this in a different, yet bigger way?” When you think outside the box, you create things that make you move above the crowd.
Job people concentrate only on the tasks at hand, and follow what most other people are doing. They are not used to focusing on the bigger picture as it has never been their vision to worry about. Bringing that limitation over to the entrepreneurial world can stifle your creativity and restrict your ability to handle and solve the many challenges that will arise.

Quitting becomes an easier option. Entrepreneurs know that the road to eventual wealth and success can be long and difficult, and the bigger vision helps move them through that period.

One of my favorite Donald Trump quotes is, “If you are going to be thinking anyway, you might as well be thinking big.” If you think small, you receive small.
I began my quest into entrepreneurship with the intention not to make a few bucks here and there, but to look towards a bigger picture that can lead me to earning vast amounts of income from many different sources. This bigger picture has an impact on my overall strategy.

3. Self-promotion

I know people who are afraid to hand out their business cards, or tell people who they are and what they do. When you are able to do that confidently, you have made a big jump over into the entrepreneurial mindset.
No one is going to promote you for you. No one is going to care about what you have to offer more than you.
If you want to have success in an entrepreneurial world, you have to learn to promote yourself. Think of all the big brand people you know: Richard Branson, Donald Trump, Oprah Winfrey. What are all these people good at? Self-promotion.
Entrepreneurs are willing to do whatever it takes. Hand out those business cards, shake that person’s hand, and speak confidently about what you do and how you can offer value to others. Invite people to check out your website and connect with you via your networks. Share your work and successes.
You are guaranteed to receive criticism for doing this. Concentrate on your bigger picture and understand the criticism comes from those who want to do what you do, but have not yet broken free from the job mentality.

4. Networking is vital

Job mentality people tend to call this a “You scratch my back, I’ll scratch yours” kind of deal, and in some ways it is. But, in my entrepreneur mind, I never see it as being the case that if I do something for you, you have to do something for me in return.
It has more to do with building relationships and from those, interacting with those you like and trust. A natural extension of a relationship with someone you like and trust is to read their work, use their products, and recommend them to others. People do business with those they like and trust, just as they are friends with those they like and trust. There’s nothing shady about it.
Entrepreneurs immediately start building their networks of professional and business contacts. They understand the power and truth in the saying “It’s not what you know, it’s who you know.”
Networking is not just about what others can do for you, but what you can do for others. Being an entrepreneur means helping out others and providing value when you can. It means creating a mastermind group of people you can share and bounce ideas off of. You don’t hold your cards to your chest for fear of losing out and having others rise to the top over you.

5. Learn from those you want to be like

In the job world, we are taught that to move up the ladder and get that much-desired promotion, we need to prove we are better than the rest. It becomes a dog-eat-dog world: the knives come out and we are prepared to stomp all over those beside us in order to get to the finish line first.
Entrepreneurs have the intention to be the best at what they do; they are competitive and like to win. But, they know they don’t have to destroy others in the process. They understand that we each have a unique perspective or value that we can offer.
They understand that the best way to get to the top is to learn from those who are where you want to be. They don’t look at the person in the mansion on the hill and feel jealous. Instead, they find out that person’s name, they give them a call, and they say, “Hey. I really like what you have achieved. I want to be like you. How can I learn what you know?”
And usually that successful entrepreneur replies, “Well, how about we meet up for coffee and I can go over a few things with you?”
Entrepreneurs understand the concept of abundance. They understand what it takes to get to the top and they are more than happy to take the time to help someone do the same. As with everything in life, there will always be anomalies, but I have never met an entrepreneur yet who I have not had an interaction with that’s similar to what I have just described.

6. Making money is a good thing

Entrepreneurs think like this. They believe they can offer value and know they deserve to be rewarded for it. Because of this, they are not afraid to ask for the money and they don’t believe it’s dirty when they get it. They approach all transactions from a win-win perspective and there’s nothing bad about this.
On a similar level, I hear many entrepreneurs say they feel they are selling out on their network by selling things to them. Really? If your network expect you to spend countless hours every day giving valuable content that informs and entertains, without receiving any compensation for it, then you need to get new network.
Do you think they feel the same way when they pick up a magazine, a newspaper, or turn on the TV? Why do people think that when you enter the business world, suddenly you should start working for nothing? If you have a job mentality then you may not get past these uncomfortable feelings of “selling out.”

You are doing this for the passion—yes! But you are also doing this for the income you originally craved so you could start living your life by your desires.

Think like an entrepreneur: “There is nothing wrong with making money. Making money enables me to move forward and grow, so I can in turn provide more value.”
If this article has struck a raw nerve with you, then ask yourself, “Could this perhaps be a sign that I have not yet crossed over?” Well … have you crossed over?

OK. Let me help you out.

Many people have different pads that are merely decoration, because they can't move documents around from between their laptops and their pads, and because they can't use the same applications on both devices. There is a big market for an effective pad, that has capacity to substitute your laptop, substitute your phone, give you access to your email and social media sites, and also be used for presentations, entertainment and more. This welcomes you to A2W's Verizon Tab.

Now imagine if you can have a tablet that will have USB so you can copy files in and out with flash drive and even connect external hard drive to it.

Imagine if you can work on the go e.g. create, edit and view Excel/Word/PowerPoint documents, view your AutoCAD drawing on the go and print wirelessly.

Imagine if you can insert GSM SIM card in the same tablet and make phone calls, send SMS, chat with Skype Video and browse anywhere.

Imagine you can connect it directly to your TV via HDMI cable that comes with it, imagine you can charge it with your blackberry charger and car charger. Imagine you can copy files directly from your laptop. Also imagine that it comes bundled with child educational applications and games, so your son or daughter can have a go at it as well.

Imagine that you can use an Internet modem with the device as an additional internet source, and convert the internet asset into an internet hotspot for 5 other computers.

Imagine if the tablet is very affordable, and best of all, imagine that it comes with a Business Pack application that gives you a personalized website, a tracking centre, online marketing tools and an opportunity to earn extra income from building a business with the device.


7" Verizon Tab 2

Package Inclusions:

The Verizon Tab 2 with 3G
Folder and Stylus
HDMI Cable
Ear Piece
USB Adaptor
Direct to Laptop connector
Duo Core, 1GHz, 1GB Ram, 8GB Hard Disk, Full Sim Slot, SD Ram Slot, Wi fi, 3G, MiFi 4.01 Android Ice-cream sandwitch, 0.3MP Camera in Front and 2MP camera at the back.
Children Education Materials and Games


10" Verizon Tab 2

Package Inclusions:

The Verizon Tab 2 with 3G
Folder and Stylus
HDMI Cable
Ear Piece
USB Adaptor
Direct to Laptop connector
Duo Core, 1GHz, 1GB Ram, 8GB Hard Disk, Full Sim Slot, SD Ram Slot, Wi fi, 3G, MiFi 4.01 Android Ice-cream sandwitch, 0.3MP Camera in Front and 2MP camera at the back.
Children Education Materials and Games

We are available to assist you in getting the best discounts-as high as 80% .We have access to over 900,000 hotels in the world..

Rising from the deep blue of the vast expanse of the Indian Ocean are more than a thousand islands and thousands more reefs that form the Maldives. What better place to relax and enjoy yourself than the romantic dunes that adorn these islands.
Hotel Name Hotel Category 3n/4d package per person on twin sharing 3n/4d package per person on triple sharing 3n/4d package per child on twin sharing Meal plan Transfer basis Room category
Biyadhoo Island Resort 3 Star $645 $609 $383 Full Board Speed Boat Standard Room
Adaaran Select Hudhuranfushi 4 Star $778 $713 $389 Half Board Speed Boat Beach Front Room
Bandos Island Resort and Spa 4 Star $645 $561 $254 Bed and Breakfast Speed Boat Standard Room
Adaaran Prestige Ocean Villas Hudhuranfushi 5 Star $1,164 $970 $582 All Inclusive Speed Boat Ocean Villa
All rates quoted above are on a per person basis and in US dollars.

PACKAGE INCLUSIONS

Welcome drink on arrival
3 nights / 4 days accommodation on twin / triple share basis
Meals as indicated in the Meal Plan column
Airport/ Resort /Airport transfers (as indicated in the Transfer mode column)
All taxes of the resort



PACKAGE EXCLUSIONS

Airfare
Airport Taxes
Anything not mentioned in the inclusions
Porterages, tips, laundry, telephone calls and all items of personal nature
Medical Insurance

Subject to Availability
The above rates are valid from 1st February to 31st May 2013
Rates are NOT VALID during Easter Period 28th March to 2nd April 2013

ATM 20

The Investment
Investment will be made with capital appreciation in mind while keeping a minimum of 60% to a maximum of 80% of the portfolio capital secured. The remainder will be invested using a proprietary algorithm and robotic software program that automates the placing and closing of orders on the foreign exchange market with the specific purpose of trading currency pairs.

Objective of the Company
The aim of the Company is to generate returns irrespective of market direction with an emphasis on capital appreciation.

Target Return
The Company aims for a targeted annualised return in the range of 15% - 25% net of fees.

Investment Mandate
Capital appreciation and growth.

Issue Price
USD 1.00 per share

Minimum Investment
Initial applications must be for a minimum of 500 shares and thereafter in multiples of 100.

The Offer
The offer is to issue up to 1,000,000 shares at USD $1.00 per share. The minimum total subscription is USD $20,000

Oversubscription
The Company will not accept oversubscription.

Closing Date
When fully subscribed or 31 December 2015.

Dividends
The Company does not intend to distribute dividends to Shareholders.

Redemption of Shares
Redemptions can be made every 2 years provided 3 months written notice is given to the Company prior to the redemption dealing date.

Expected Net Asset Value
The NAV per share at the close of the offering is expected to be $1.00

Investor Profile
Investment in the Company is only suitable for investors who are able to bear the loss of a portion of the money they invest in the Company and who understand the risks involved. The Directors recommend that no more than 10% to 20% of any investor's portfolio be invested in the Company.

Investment Management Fee
1% per annum charged quarterly in arrears.

Subscription Fee
5%.

Redemption Fees
2% of the amount being redeemed.

Performance Fees
25% of profits. High on High.

Risks
Because of the associated risks, investment in Redeemable Preference Shares is only suitable for investors who are able to bear the loss of a portion of the money they invest in the Company and who understand the risks involved. The Directors recommend that no more than 10% to 20% of any investor's portfolio be invested in Redeemable Preference Shares.

Cost of the Offer
The cost of the Offer is not expected to exceed USD25,000

Authorized Capital
10 ordinary class shares of a par value of USD1.00 and 1,000,000 redeemable class shares of a par value of USD1.00

Issued and Paid Up Capital
7 ordinary class shares of a par value of USD1.00

Investment Currency
United States Dollars (USD)

Application Process
Application for shares will only be accepted in digital format by way of an electronic application form on the Company's Website

ATM 40

The Investment
Investment will be made with capital appreciation in mind while keeping a minimum of 40% to a maximum of 50% of the portfolio capital secured. The remainder will be invested using a proprietary algorithm and robotic software program that automates the placing and closing of orders on the foreign exchange market with the specific purpose of trading currency pairs.

Objective of the Company
The aim of the Company is to generate returns irrespective of market direction with an emphasis on capital appreciation.

Target Return
The Company aims for a targeted annualised return in the range of 30% - 40% net of fees.

Investment Mandate
Capital appreciation and growth.

Issue Price
USD 1.00 per share

Minimum Investment
Initial applications must be for a minimum of 500 shares and thereafter in multiples of 100.

The Offer
The offer is to issue up to 1,000,000 shares at USD $1.00 per share. The minimum total subscription is USD $20,000

Oversubscription
The Company will not accept oversubscription.

Closing Date
When fully subscribed or 31 December 2015.

Dividends
The Company does not intend to distribute dividends to Shareholders.

Redemption of Shares
Redemptions can be made every 2 years provided 3 months written notice is given to the Company prior to the redemption dealing date.

Expected Net Asset Value
The NAV per share at the close of the offering is expected to be $1.00

Investor Profile
Investment in the Company is only suitable for investors who are able to bear the loss of a portion of the money they invest in the Company and who understand the risks involved. The Directors recommend that no more than 10% to 20% of any investor's portfolio be invested in the Company.

Investment Management Fee
1% per annum charged quarterly in arrears.

Subscription Fee
5%.

Redemption Fees
2% of the amount being redeemed.

Performance Fees
25% of profits. High on High.

Risks
Because of the associated risks, investment in Redeemable Preference Shares is only suitable for investors who are able to bear the loss of a portion of the money they invest in the Company and who understand the risks involved. The Directors recommend that no more than 10% to 20% of any investor's portfolio be invested in Redeemable Preference Shares.

Cost of the Offer
The cost of the Offer is not expected to exceed USD25,000

Authorized Capital
10 ordinary class shares of a par value of USD1.00 and 1,000,000 redeemable class shares of a par value of USD1.00

Issued and Paid Up Capital
7 ordinary class shares of a par value of USD1.00

Investment Currency
United States Dollars (USD)

Application Process
Application for shares will only be accepted in digital format by way of an electronic application form on the Company's Website

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