*      Restructures the client's bank accounts to a more streamlined

       account structure, consolidating all private debt into a Line of Credit loan facility

        (Private Line of Credit / PLOC) (reducing interest costs on personal and credit card debt)

*      Redirects cash flow so that all cash flow is used in the most effective

       and efficient manner to assist with debt reduction and wealth creation

*      Uses equity in the home to invest, by incorporating the placing of an initial

        investment into an investment portfolio (managed fund / share investments),

        purchased using borrowed funds from a separate Line of Credit facility, established for

        investment purposes only (known as an Investment Line of Credit / ILOC).

*      The amount of the investment is calculated using the following criteria:

                  After placing the initial investment, all debt (both private and investment)

                will not exceed the lesser of the following:

                             *  66% of the value of the client's home,   OR

                              *  the maximum borrowing limit (Global Credit Limit) as set by you

                  SUBJECT ALWAYS to a buffer of approximately one year of total interest

                  payments being maintained within the loan facilities

                  (up to the modelled Global Credit Limit).

*      Incorporates the placement of additional regular monthly investments,

        equivalent to the surplus cash flow, purchased using borrowed funds from the ILOC,

        throughout the investment time period (typically investing regularly up to five years

        prior to retirement, (as set by the Adviser))

*      Uses dividend income from investments to assist private debt reduction

        (or dividends can be reinvested, if set by the Adviser)

*      Uses any additional tax returns received (due to the tax deductibility of interest

        paid on the ILOC, and Adviser Fees) to reduce private debt, thus reducing interest on

        non tax deductible debt.