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I N V E S T I N D U N A S B E A C H R E S O R T F O R O N L Y £ 5 1 , 9 7 4 A N D R E C E I V E 1 8 % P . A . G R O W T H F O R 7 Y E A R S

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50% Ownership Option

Purchase a 50% share in one of ourluxurious two bed apartments and earnunrivalled returns

65% Deposit

€1.25-£1.00 fixed rate on full deposit

5% Discount

Guaranteed mortgage options on 30% completion balance

Free incentives: Legal services & Free Hotel Excellence Furniture

Available for SIPP and Cash Purchases

50% SHARE

PAYMENT EXAMPLE

50% SHARE LIST PRICE = € 99,950

TOTAL DISCOUNT € 12,794 % DISCOUNT 12.8%

€1.25 - £1.00 = £ 51,974Fixed exchange Rate Deposit Required

30% on completion = € 29,985

2 BED APARTMENT

€99,950 x 65% = € 64,968

Euro Equivalent = € 57,171*

5% Discount = € 4,997

(via guaranteedmortgage)

Net price after 5% = € 87,156*discount and Ex rate

*The above calculations assume an actual spot €/£ rate of €1.10-£1.00

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50% Net Room Rate

Occupancy Days

Gross Annual Revenue

Owner Share 50%

Owner Expenses

Community Fee at 50%

Net Income for Owner

Return on Investment (ROI)

Rental Projections

“Global Average”

68% Occupancy

€75 per night

Rental Projections“On-Island Average”

80% Occupancy“Highest On-Island Occupancy”

95% Occupancy

248.20

€75 per night

292.00

€75 per night

346.75

€18,615 €21,900 €26,006

€600 (50% of annual £1,200 fee)

€600 (50% of annual £1,200 fee)

€600 (50% of annual £1,200 fee)

€8,708 €10,350 €12,403

68% 80% 95%

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10.0% 11.9% 14.2%

€9,308 €10,950 €13,003

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Guaranteed Mortgage

The Key Details

The Resort Group will contractually 'guarantee' to be the lender of the completion balance in the unlikely event the client is declined a conventional mortgage application

The Resort Group will agree to lend at the prevailing interest rates at the time of completion

100% of the client’s share of the net rental income generated will beused to pay off the mortgage

There are 2 guaranteed mortgage options to choose from

Option 1

100% of the client’s share of the net income will be used to pay off the completion mortgage until the balance has been paid

Once the completion balance has been fully paid, the client will, from then on, receive their share of net rental income and will fullyown their 50% share of the property

Option 2

100% of the client’s share of the net income will be used to pay off the completion mortgage for a minimum of 6 years*

If the mortgage balance has not been completely repaid in that time,100% of the client’s share of the net income will continue to be paiduntil the balance has been cleared up to a maximum of 10 years

After 10 years any remaining completion balance will be completelywritten off

Once the completion balance has been fully paid or written off, theclient will, from then on, receive their share of net rental income andwill fully own their 50% share of the property

* 100% of the client’s share of the net rental income will be paid to The Resort Group for a minimum of 6 years even if the completion balance is paid off within that time.

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MORTGAGE CALCULATOR(Assuming 8% interest - current prevailing bank rate)

RENTAL INCOME AT 68% OCCUPANCY = €725.66

Repayment mortgage = €719.35over 4 years, 1 month per month

COMPLETION MORTGAGE = €29,985

Assumed interest rate = 8%

TOTAL REPAYMENT AMOUNT = €35,247.24

TOTAL INTEREST PAYMENTS = €5,262.24

Based on an 8% interest rate and resort occupancy of 68%, the mortgage will be paid off within 4 years, 1 month!

PER MONTH

(€8,708 PER YEAR)

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Return on investment

Scenario 1 Sell 5 years after completion

(Total 7.5 year investment term)

Gross Price at reservation €199,900 (i.e. €99,950 x 2)

Value on completion €236,876 (conservative 7% growth during 2.5 year build cycle)

Assumed growth after completion(Conservative)

7% per annum for 5 years

Sale price after 5 years €332,231

Less Net Purchase Price €174,312 (i.e. €87,156 x 2)

Total Growth €157,919

50% share of growth €78,960

+11 months of mortgage free rental € 7,975 (€725 x 11 months)

GROSS 50% REVENUE €86,935

Less completion costs at 6.5% €6,497

NET 50% REVENUE Sterling Equivalent

€80,438£73,125 (assuming €1.10-£1.00 conversion rate)

INITIAL INVESTMENT REQUIRED £51,974

7.5 year ROI % 140.7%

Annual average ROI % 18.7%

Scenario 2 Sell 7 years after completion

(Total 9.5 year investment term)

Gross Price at reservation €199,900 (i.e. €99,950 x 2)

Value on completion €236,876(conservative 7% growth during 2.5 year build cycle)

Assumed growth after completion(Conservative)

7% per annum for 7 years

Sale price after 7 years €380,371

Less Net Purchase Price €174,312 (i.e. €87,156 x 2)

Total Growth €206,059

50% share of growth €103,030

+35 months of mortgage free rental €25,375 (€725 x 35 months)

GROSS 50% REVENUE €128,405

Less completion costs at 6.5% €6,497

NET REVENUESterling Equivalent

€121,908£110,825 (assuming €1.10-£1.00 conversion rate)

INITIAL INVESTMENT REQUIRED £51,974

9.5 year ROI % 213.2%

Annual average ROI % 22.4%

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