PROPERTY INTERNATIONAL

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2 Land Investment South West Florida Your investments are important. However big or small, they help you achieve your financial goals and give you the freedom to achieve what you want in the future. That s why at Qualitas we have put together an investment opportunity based on facts, with a number of entry and exit options to meet every investor s financial goals, risk strategy and investment preferences. So if you are looking for a hassle free investment that offers a good return in the short, medium and long term, read on to find out more about investing in fully developed home sites in South West Florida with Qualitas. The major fortunes in America have been made in land. John D. Rockefeller

3 ABOUT QUALITAS Qualitas - a strategic bespoke service... Qualitas Property International is a professional real estate investment company. Working across the UK, US and other international markets, we provide our clients with a personal service tailored to their needs. We focus on delivering strong growth and positive cash flow income. Extensive market knowledge and thorough due diligence... What makes us unique is that we are property investment advisors for our clients, not just agents on real estate transactions. We believe that market knowledge and thorough due diligence is the difference between investment success and failure. We focus on bringing to market only those deals where we can add real value to our client s portfolios through our first-hand expert knowledge, insight and contacts. Extensive network enables power to negotiate... We strategically select the areas in which we do business and focus on providing access to well-qualified investments that are not otherwise accessible in the open market. Due to our large client base, coupled with our extensive network of contacts, we have the power to negotiate prices on behalf of each individual client that are only usually reserved for funds and large investors. Transparent and trusting relationships bringing clients back again and again... Our senior management team comprises of individuals that each have more than a decade s worth of experience in the property market, thus giving us a great deal of specialist knowledge. More than 60% of our business comes from referrals and repeat business from our loyal investors, reflecting our focus on customer service. As we act as portfolio advisors for our clients, we also understand the importance of transparency and a trusting relationship between investor and adviser and we strive to ensure that all our clients want to come back to us time and time again. The best investment on earth is earth. Louis Glickman

4 THE QUALITAS DIFFERENCE Our Investors often ask us, what makes you different to other companies? It is a good question, and an important one in the competitive world of Real Estate Investing. We have been investing in builder ready home sites in the Florida market place for over 10 years and have built up an impressive network of professionals and specialists that enable us to provide you with all the ancillary services which are necessary to ensure a safe, secure and profitable investing experience. Our due diligence process uncovers any issues with the home site that need to be resolved and has been formulated over more than 4,000 transactions in the Florida market place. We provide a thorough and professional approach, which, combined with our own in-house and bespoke due diligence, covers all aspects of the home site geography, value and title, which is fundamental to successful investing. Our team of partners includes: The Appraiser - this person provides a valuation report on the home site. This report looks at recently sold lots nearby known as comparables, giving confirmation about the appropriate value of the property. The Surveyor - this person surveys the property, checks the boundaries and makes sure there is no reason why the home site cannot be built upon. The Title Agent - this person is a quasi-legal individual who ensures that the title or ownership of the property is in good standing and ensures that nobody else has any legal claim to it, for example an outstanding mortgage. They check the local equivalent of the Land Registry records going back 30 years and provide insurance to give further comfort to the purchaser. THE LEGAL TEAM Qualitas looks to provide you with the best service possible. It is for that reason that we have partnered with the best legal team in the region. Transaction Title of Florida are a title company and Escrow Agent that act as neutral third parties to coordinate the purchase of your builder ready home site. Transaction Title is licensed, insured and bonded and, much like Qualitas is dedicated to offering exceptional service to all the parties involved. Based in Southwest Florida, Transaction Title is locally owned and operated, and brings a level of local knowledge and experience to the process so you can be sure that your investment is in safe hands. LICENSES AND GUARANTEES At Qualitas we understand that you don t want to get bogged down in legal proceedings. That is why we ensure that home site parcels offered by us have been cleared of any potential liens (debts) and outstanding tax bills that could cloud the title. All home site are delivered by warranty deed with Title Insurance as an added protection from any future claims to title. The general warranty deeds which are issued guarantee that there is a clear title to a piece of real estate and that the seller has a right to sell it. Title Insurance on the other hand is a single premium indemnity policy which provides protection against known and unknown defects in the title of a property or home site. You will receive the warranty deed and Title Insurance around 2 months after closing the purchase of your builder ready home site. We are serious about what we do and because we are so confident in our work and our team of professionals, we also issue a certificate of due diligence, which guarantees that the lot is buildable. When you ve bought through us, quite simply, we become your team and our full team of professionals are there to look after you at no extra charge! There are no management requirements on the home sites we offer and while each one comes fully developed and builder ready, there is no pressure to build on the home site once it has been purchased. However, should you choose to do so, we can also assist with various construction options. These have been designed to offer numerous exit strategies to help you make the most money possible from your investment. We can also provide access to our US accountant who deals specifically with overseas investors and can help you set up your investment in a tax efficient way. We provide regular guides such as Investing in Real Estate in the US, six monthly Periodic Market Perspectives, and six monthly in-depth market reviews. When you come to sell we are there with our team of Realtors whom we have worked with for up to 10 years. So, when we say we are different, we mean it! Bespoke due diligence conducted in-house Full lot survey carried out Market and unit appraisal by licensed appraiser Consultation with USA accountant We provide all of this because of our core difference - we don t sell other people s products, we sell our own!

5 INVESTMENT SUMMARY Investing in home sites that are fully developed and ready to build on in areas that are seeing a prolonged period of growth built on positive economic factors. Following the housing market crash in 2008, the value of US real estate plummeted. While these declines affected real estate across the board, land and residential housing were hit the worst. An oversupply of housing and a lack of financing options meant that prices dropped up to 80% in value from their peaks and prevented the building of new homes as it was no longer financially viable. In 2011 the housing market began to recover slightly as investors began buying up residential housing, having been attracted by the low prices and high rental yields. This investment has breathed new life into the property market in the US and builders have now begun building again which has increased demand for land parcels on which to build. While the price of home sites remains low at the moment (in some cases under 20% of their peak prices), as these trends continue and mortgage finance slowly becomes more available, more and more houses will be built and the availability of home sites on which to build these houses will decrease. This will push prices up even higher and offers a significant return on investment for investors who bought early. Targeting dynamic, growing communities across the US, investing in fully developed home sites with planning permission offers great returns for short, medium and long term financial strategies. With prices now at around 20% of their peak value in 2006, there has never been a better time to invest. South West Florida has been identified by our team of market experts as having dramatically under-priced home sites available with growing demand caused by positive underlying factors. This makes it the perfect investment opportunity for those looking for a no hassle investment that offers significant returns with prices from $9,990. Strategy Invest in fully developed, builder ready home sites at 20% of its peak value (seen in 2006) Invest in areas where the supply of lots is finite Invest in areas seeing rapid population growth due to positive underlying economic factors Invest in areas where you should see these lots return to 50% of their peak price within 3-5 years There have been few things in my life which have had a more genial effect on my mind than the possession of a piece of land. Harriet Martineau

6 INVESTMENT POTENTIAL You can now buy home sites that would have cost you $50,000 in 2006 for just $9,990 Investing in fully serviced, home sites which are ready for building is very straightforward; you simply buy at the lowest possible price and then wait for capital appreciation over time. By working with Qualitas you can gain access to home sites that are discounted over 80% in some cases of their peak values and at prices would normally be reserved for large scale investors. This means that by working with Qualitas you can achieve returns that would not be available to the man on the street and ensures that you will see an excellent return on your investment when you come to sell. At Qualitas we avoid the risks of buying raw lots. We deal exclusively with fully developed home sites that have approved planning permissions for residential construction. This means that development and connection to public utilities can start quickly and easily, making these lots more appealing to developers and builders in the future. Known as The Sunshine State, there is an ever increasing number of people looking to move to Florida, attracted by its warm climate and proximity to the sea. This makes it the perfect place to look for property investment opportunities. Buying builder ready home sites in Florida allows you to make the most of the demand in the area from both the baby-boomer generation s desire to design and build their own home in a better climate, as well as workers drawn to the state by its strong jobs market. There are little or no running costs involved in buying and holding home sites meaning that if you buy today for $9,990, and then sell it in five years for a very realistic $20,000 (50% of their peak values) you would have seen a 100% gross return on your investment, or 20% annualised return. With home sites that are fully serviced and ready to build on, you have a wide range of options for exiting your investment. You can choose to sell it to another investor, build on it and rent, sell it to a builder or even live there yourself. Land Price Cycle with estimated Recovery Source: Syglass Limited Peak average - sale price $400k $300k Lack of New Homes Source: National Association of House Builders $200k Florida 2006 Market Peak Potential - sale price Market bottom Purchase price 2012 Purchase Potential profit Target sale $100k $0k Cumulative -$100k -$200k

7 FLORIDA MARKET OVERVIEW Florida, with over 300 days of sunshine, provides a fantastic all-year-round climate. With the Gulf of Mexico and the Atlantic coast just 150 miles apart, the ocean is easily accessible and contributes to an enviable lifestyle sought by a wide range of people across the US including job seekers looking to make the most of Florida s booming jobs market and baby boomers looking to retire. With an estimated 1,000 people a day moving to Florida, it rates as one of the top states for inward migration, ensuring population growth has been above the national average for the last two decades. Following the property market crash of 2006 there was an abundance of foreclosed property selling at 50% of the actual build cost, which meant that by 2011 construction of new residential property had all but stopped. However, by 2013, with property inventories at an all-time low, property prices and land values began to rise with many areas seeing a 25% increase in the last year. With an ever increasing population and interest from overseas investors looking to seize the opportunity to buy under-valued real estate and home sites in this desirable state, prices are set to continue rising. With major cities now built up to capacity, builders are looking to the larger metropolitan communities to develop to ensure enough homes for the state s burgeoning population. By 2015 Florida will have overtaken New York to become the 3rd largest state in the USA with over 20 million people Population Growth and Statistics Florida New York United States Total population 18,600,881 19,585, ,455,134 Square miles 53,926 47,213 N/A Population density Population change since % 9% 24% Population change since % 3% 10% Forecast population change by % 2% 5% Highest Decade Growth Rates, 100 Largest Metropolitan Areas, Rank Rate Las Vegas-Paradise, NV 85.5 McAllen-Edinburg-Mission, TX 48.5 Austin-Round Rock, TX 47.7 Raleigh-Cary, NC 47.3 Boise City-Nampa, ID 45.4 Phoenix-Mesa-Scottsdale, AZ 45.3 Provo-Orem, UT 39.9 Atlanta-Sandy Springs-Marietta, GA 38.4 Orlando-Kissimmee, FL 34.3 Cape Coral-Fort Myers, FL Rate Las Vegas-Paradise, NV 41.8 Raleigh-Cary, NC 41.8 Cape Coral-Fort Myers, FL 40.3 Provo-Orem, UT 39.8 Austin-Round Rock, TX 37.3 McAllen-Edinburg-Mission, TX 36.1 Boise City-Nampa, ID 32.6 Charlotte-Gastonia-Concord, NC-SC 32.1 Riverside-San Bernardino-Ontario, CA 29.8 Orlando-Kissimmee, FL 29.8 Source: Author s analysis of US Decennial Censuses,

8 THE PROJECT Lehigh Acres Lehigh Acres is situated in the Fort Myers metropolitan area in Southwest Florida. Since 2000 the area has seen a dramatic 156% increase in population size, increasing from 33,430 to nearing 90,000 today. In 2005/2006 land prices and construction boomed in Lehigh Acres which encouraged builders and developers to build large quantities of houses to keep up with demand. However, during the property crash, property and land in Lehigh Acres lost up to 90% of their peak values. However with the beginnings of a recovery now underway, demand for home sites and property in this highly desirable area is now beginning to increase again for a number of reasons: Despite recent increases in demand, fully developed home sites and property in Lehigh Acres remains undervalued Large corporates such as Hertz are moving their base of operations to the area. Hertz alone will be bringing 700 jobs to the area over the next 2 years. This increase in jobs increasing the level of demand for land and property nearby The nearby Immolkalee casino is rumoured to be planning to expand and build a large hotel which will further increase the number of local jobs and demand for local housing The Boston Red Sox have their Spring Training Camp nearby With so many factors having a positive effect on lthe prices of home sites in the area, more and more people are moving fast to snap up the home sites that are fully developed and ready to build on and property which is current available to make the most of this very lucrative investment opportunity. Quick facts Since 2000 the areas has seen a dramatic 156% increase in population size, increasing from 33,430 to nearing 90,000 today home sites are currently at an 80% discount from their peak prices in 2006 At their peak prices were in the region of $50,000 Every home site Qualitas offers comes with the benefit of being able to build a single family house in excess of 1,000 sq ft on Rental of a 3 bed property in the area has gone from $750 $950 in the last 6 months The average cost of renting a property in Lehigh Acres is $975 compared to only $970 in the state of Florida and $801 in the US There is a strong jobs market in the area with unemployment in Lehigh Acres at 5.4% compared to a national average of 6.3% Homes sales in Lehigh Acres, FL Source: N/A Median price $180k $150k $120k $90k 2000 $60k 1000 Count of house sales $30k $0

9 THE PROJECT Cape Coral Founded in 1957 Cape Coral is located on Florida s beautiful Gulf Coast and features over 400 miles of fresh and salt water canals. This made Cape Coral the city with the largest canal network in the world. Developed starting from the southern tip. At present around 80% of the south of Cape Coral has been developed with around 35% of residential land left to build on in the north of the city. At the height of the property boom in 2006 demand for home sites in North Cape Coral was so high due to its unique location that prime sites were being sold as high as $500,000 per 10,000sq.ft. homes and home sites in Cape Coral is now being sold at just 80% of their peak values. However with the beginnings of a recovery now underway, developers and builders are beginning to return to the area and demand for builder ready home sites and property is now beginning to increase again for a number of reasons: Cape Coral is a city unlike any other with incredible natural beauty. Crime rate in Cape Coral is at an all-time low Cape Coral is one of the fastest developing cities within the state of Florida Cape Coral has a booming tourism industry Cape Coral has been ranked as one of the top 10 fastest growing cities in the US every year since During which time the population has almost doubled from around 100,000 people in 2000 to almost 190,000 today With so many factors having a positive effect on the price of home sites in the area, more and more people are moving fast to snap up the undervalued home sites and property which is currently available to make the most of this very lucrative investment opportunity. Quick facts 400 miles of fresh and saltwater canals make it the city with the largest canal network in the world Cape Coral boasts 27 miles of stunning coast line By area Cape Coral is the 2nd largest city in the state Named one of the 10 best places to live in the US by Money Magazine in 2011 Voted the 3rd best place to retire in 2012 home sites are currently at a 80% discount from their peak prices in 2006 Each home site that Qualitas offers is fully serviced and has the benefit of being able to build a single family house in excess of 1,000 sq ft on The average cost of renting in Cape Coral is $998 per month compared to $970 in Florida and $801 in the US Homes sales in Cape Coral, FL Source: N/A Median price $180k $150k $120k $90k $60k 1500 Count of house sales $30k $0

10 HOME SITES EXAMPLES Lehigh Acres Every home site that Qualitas offers comes with planning permission to build a single family house in excess of 1,000 sq ft and as such can be easily connected to public utilities. This means that these home sites are more desirable to investors as it gives them the opportunity to either build on the lot themselves or sell to builders or developers in the future when demand for such lots has increased further. Don t wait to buy real estate, buy real estate and wait. T. Harv Eker Example Home Site Dimensions 80 x 135 sq ft Area 10,800 sq ft Peak 2006 value $42,000 Purchase Price $9,990 Land price $9,990 20% deposit $1,998 Estimated closing costs $650 Balance to complete $7,992 Total purchase price $10,640

11 HOME SITES EXAMPLES Cape Coral Whatever your chosen exit strategy, holding a fully serviced home site that comes with planning permission makes your investment that much more desirable to builders, developers and investors when you decide to sell your home site and realise your profit. Example Home Site Dimensions 80 x 125 sq ft Area 10,000 sq ft Peak 2006 value $81,500 Cash Purchase from $15,000 Purchase price $15,000 20% deposit $3,000 Estimated closing costs $650 Balance to complete $12,000 Total purchase price $15,650

12 PROPERTY EXAMPLES South West Florida is a desirable area with a cosmopolitan mix of home owners, landlords and investors buying home sites and property in the area. The increasing demand for homes (and therefore home sites) in the area is a large factor in the increasing returns seen by those who are purchasing home sites, holding them and then realising a profit in the medium term. In addition it is allowing investors to take a more long term approach by building a property on the land and renting the property out. With job creation booming in South West Florida, the rental market is very strong. The average cost of renting a property in South West Florida is $975 compared to only $970 in the state of Florida and $801 in the US. Based on previous builds on similar home sites, building a property in the area takes roughly 6 months on average with prices starting from around $149,950. For those interested in building a property, there are a variety of options available.

13 PURCHASE PROCESS Qualitas understands that you want your investment to be straight forward and hassle free. We ve designed the purchase process to be efficient and secure. With our highly skilled team, we are on hand to manage the process for you at every step. Real estate transactions in the US are covered by a highly transparent legal system. The conveyancing is handled by a US title company, the money paid is in escrow and you receive Title Insurance with your deed. This removes the possibility of any nasty shocks such as unpaid taxes or ownership issues. Purchasing home sites with Qualitas is a simple 6 step process. 01 Choose your home site. 02 Sign and return the purchase agreement. 03 Transfer funds to US title companies escrow account 04 Receive closing pack, sign and return. 05 Title insurance will be prepared and issued. 06 Purchase recorded and transfer title hard copy sent.

14 EXIT STRATEGY In addition to offering a quick, simple and lucrative investment opportunity, Qualitas offers a great opportunity to realise significant profits even at conservative estimates. Using a classic land strategy and purchasing when the market turns gives investors the opportunity to realise significant returns in the medium term. We expect that within 3-5 years the price of homes and builder ready home sites in the South West Florida area will have recovered to 50% of their 2006 peak values. This means that between 3 to 5 years you could be realising as much as 100% return on your investment or 20% annualised, with little or no running costs. Below are estimates of returns for conservative, likely and optimistic estimates. Conservative Lehigh Acres Land price $9,990 Total purchase price $10,640 Estimated value in 3-5 years $20,000 Estimated profit $9,360 Cape Coral Land price $15,500 Total purchase price $15,650 Estimated value in 3-5 years $30,303 Estimated profit $14,653 Likely Lehigh Acres Land price $9,990 Total purchase price $10,640 Estimated value in 3-5 years $24,000 Estimated profit $13,360 Cape Coral Land price $15,000 Total purchase price $15,650 Estimated value in 3-5 years $36,363 Estimated profit $20,713 Optimistic Lehigh Acres Land price $9,990 Total purchase price $10,640 Estimated value in 3-5 years $28,000 Estimated profit $17,360 Cape Coral Land price $15,000 Total purchase price $15,650 Estimated value in 3-5 years $42,423 Estimated profit $26,773

15 CONCLUSION Due to a number of positive underlying factors, the price of homes and builder ready home sites in South West Florida are currently seeing a period of prolonged increase in value. Built on sound economic fact, investing in the region now offers great potential for a significant return on investment unlike most other property or land investment opportunities. Purchasing fully developed home sites in South West Florida is an exciting investment opportunity that offers the chance to realise returns beyond that of ordinary investments. Investing with Qualitas means that you can be sure of a quick, hassle free investment with an extensive due-diligence process and market leading customer service. Home sites at an 80% discount from their peak prices Hassle free investment opportunity Bespoke time proven due diligence process Simple and secure purchase process All funds transacted via bonded escrow account Home sites are fully appraised and title is insured High demand due to area of incredible natural beauty High standard of customer service Booming job market Increasing population Multiple proven exits

16 To find out more about investing in South West Florida please contact Qualitas. Qualitas Property International Unit 3 The North Range Hackthorpe Hall Business Centre Hackthorpe Cumbria, CA10 2HX United Kingdom UK Telephone +44 (0) UK Fax +44 (0) USA Telephone enquiries@qualitasproperty.com Risk Warning. Qualitas Global Property Ltd is incorporated in England and Wales with company number The content on this brochure should not be construed as Qualitas Global Property Ltd making an offer to sell, nor an invitation to subscribe for or invest in the company and the content provides information only. No representation or warranty, expressed or implied, is or will be made as to the accuracy or completeness of the information including all projections or opinions contained in the text and no liability is accepted by Qualitas Global Property Ltd and/or its directors, agents or employees. By accepting the content the recipient agrees not to reproduce and/or distribute this whole or in part. Recipients are advised to consult their own advisers and consider for themselves the financial, legal and other consequences of investing with Qualitas Global Property Ltd before doing so.