International Forex Investment Doc. 4

STENDU ENTERPRISES ‘‘The reliable international forex trading company in Kenya”

Thome Estate Phase I, Plot No. SD70, Stream Drive, Off 1st Windsorview Avenue, P.O. Box 53783-00200, Nairobi-Kenya, Cell Nos: + 254 735 157 519 / + 254 712 429 020 E-mail: [email protected]

REF:SE/IFTS/STI/VOL 2/0001/80 Date:8th September 2009

Dear Prospective Investor(s),

REF: THE INTERNATIONAL FOREX TRADING INVESTMENT PROPOSAL

We wish to introduce the short term funds investment opportunities available in our international forex trading services in Kenya.

(1) THE PREAMBLE The company is duly registered in Nairobi-Kenya. It will engage in international forex trading business. The international forex trading business is simply defined as the buying of international foreign currencies i.e. Euro, US Dollars, Japanese Yen, British Pound etc at lower price and selling the same international foreign currencies at a higher price therefore earning a profit or Return on Investment (ROI). The company will generate sufficient business income to meet its short investors’ funds repayments and its other business financial obligations. pdfMachine Is a pdf writer that produces 1quality PDF files with ease! Produce quality PDF files in seconds and preserve the integrity of your original documents. Compatible across nearly all Windows platforms, if you can print from a windows application you can use pdfMachine. Get yours now!

(2) THE INTERNATIONAL FOREX TRADING RISK MANAGEMENT The Forex market behaves differently from international stock markets. The speed and enormous size of the Forex market are unlike anything else in the financial world. The transactions involving international currencies are determined by changing political and/or economic conditions that may substantially affect the price or liquidity of different currencies at different periods of time. Moreover, the leveraged nature of FX trading means that any market movement will have an equally proportional effect on deposited funds. The Implementation of ‘Limit’ and 'Stop-loss' order strategies lower an investor's exposure to risk unlike the volatile international and/or local stock markets.

(3) THE INTERNATIONAL FOREX TRADING ACCOUNT The company’s international forex trading account shall be provided by one of the largest non-bank Futures Commission Merchants in the world that specializes solely in spot FX. With substantial operations around the world, the non-bank Futures Commission Merchant has serviced 50,000 accounts and in addition, services over 400 institutional clients from more than 80 countries. It has a proven track record of reliability and success with over 1,500,000 trades executed each month via their FX Trading platform. It has been awarded Best Retail Platform by FX Week, and also recognized as Best Currency Broker by both Shares and T2W Member Choice Awards, and also Best FX Specialist by Stocks & Commodities. It is a registered Futures Commission Merchant (FCM) with the Commodity Futures Trading Commission (CFTC) and is a member of the National Futures Association (NFA).

pdfMachine Is a pdf writer that produces 2quality PDF files with ease! Produce quality PDF files in seconds and preserve the integrity of your original documents. Compatible across nearly all Windows platforms, if you can print from a windows application you can use pdfMachine. Get yours now!

(4) THE INTERNATIONAL FOREX TRADING ACCOUNT MANAGEMENT The company’s international forex trading account daily transactions shall be managed by a reputable, professional and competent international forex trading broker duly appointed by the company. The company will duly execute or sign an international forex trading account management contract which will guarantee its daily forex trading account operations.

(5) THE INVESTORS REQUIRED The company requires a serious, committed, financially able and short term investor(s) to raise business capital Kshs 1,000,000 (Kenya Shillings One Million) only (The minimum investment Kshs 10,000) to meet its immediate business investment funds, costs and/or expenses. THE CURRENT EXCHANGE RATE IS US Dollars 1.00 = Kenya Shillings 80.00 The company will generate sufficient funds from its international forex trading services which (i) will pay short term investor’s funds (iii) meet its other business related expenditure. PS: The Company will generate 35-40% interest (return on investment) per month.

(6) THE INTEREST RATE PAYABLE The company will pay its esteemed short term investors 20% interest per month for maximum three (3) months investment per contract period. The total return on investment is 60% interest of investment funds. The investment schedule is indicated below:INVESTMENT FUNDS

Kshs 10,000 - Kshs 1,000,000

MONTHLY INTEREST RATES PAYABLE 20%

pdfMachine Is a pdf writer that produces 3quality PDF files with ease! Produce quality PDF files in seconds and preserve the integrity of your original documents. Compatible across nearly all Windows platforms, if you can print from a windows application you can use pdfMachine. Get yours now!

(7) THE INVESTMENT OPTION (i)

THE MONTHLY INVESTMENT OPTION

To qualify for this investment option, the investment funds will earn 20% interest per month for three (3) consecutive months. The investors will receive 20% interest payment at each month end. The total return on investment is 60% interest of investment funds. Please note that Principle investment amount and 3rd month’s interest payments will be paid at end of three (3) months contract period. If you invest Kshs 1,000,000 only at 20% interest per month for three (3) months contract period, the interest payment per month is Kshs 200,000 only. The total interest payments or return on investment (ROI), for three (3) months contract period, is Kshs 600,000 PLUS your principle investment e.g. Kshs 1,000,000 therefore total funds payable will be Kshs 1,600,000 only for three (3) months contract period.

(ii)

THE LUMPSUM INVESTMENT OPTION

To qualify for this investment option, the investors will earn 20% interest per month rolled over for three (3) consecutive months until the end of three (3) months contract period. The total return on investment is 60% interest of investment funds. Please note that total investment funds (i.e. Principle amount and interest payments) will be paid at the three (3) months contract period end. If you invest Kshs 1,000,000 only at 20% interest per month for three (3) months contract period, the total interest or return on investment (ROI) is Kshs 600,000 PLUS your principle investment e.g. Kshs 1,000,000 therefore total funds payable will be Kshs 1,600,000 only at end of three (3) months contract period.

pdfMachine Is a pdf writer that produces 4quality PDF files with ease! Produce quality PDF files in seconds and preserve the integrity of your original documents. Compatible across nearly all Windows platforms, if you can print from a windows application you can use pdfMachine. Get yours now!

(8) THE TARGET INVESTORS The company will target the following investors (i) Individuals (ii) Investment groups (iii) Investment clubs (iv) Investment companies etc.. The forex group of investors can pool their funds together, make lump sum investment payments/bank account deposits and benefit from maximum returns based on their total investment funds amount and the current interest rates (Please refer to investment schedule on page 3 of this investment proposal). The forex group of investors will receive individual investment agreements, investors’ forms and receipts even where they have pooled their funds together and earn current interest rates (Please refer to investment schedule on page 3 of this investment proposal).

(9) THE INVESTORS FUNDS PAYMENTS The Investors will pay their funds via any of the following two (2) modes of payment:(i) Cash Deposit. (ii) Electronic Funds Transfer (EFT). (iii) Corporate(Business)/Bankers/Personal Cheques. PS: (i) The investors, who issue and/or present cheques, will receive investors funds receipts and await cheques clearance process before the investment agreements are prepared and signed or executed by both investors and investee. (ii) The investment funds (Cheques) must be payable to:STENDU ENTERPRISES.

pdfMachine Is a pdf writer that produces 5quality PDF files with ease! Produce quality PDF files in seconds and preserve the integrity of your original documents. Compatible across nearly all Windows platforms, if you can print from a windows application you can use pdfMachine. Get yours now!

The investors will deposit or transfer their investment funds into following official bank account:BANKERS: EQUITY BANK LIMITED ACCOUNT NAME: STENDU ENTERPRISES ACCOUNT NUMBER: 0020192425877 The Equity Bank Limited official banking hours are:Mondays - Fridays: 8.00 am – 4.30pm Saturdays: 8.00am - 12noon The investors may deposit their funds at the nearest Equity Bank Limited Branch Countrywide. The Equity Bank Limited has a branchless banking system. The investors will bring their Cash/Cheque Deposit or Electronic Funds Transfer (EFT) receipts to our office for further necessary action. Upon receipt of investors’ funds, the investors will (i) execute (sign) the investment agreements (ii) complete the investors forms (iii) obtain investment funds receipts.

(10) THE INVESTORS FUNDS REPAYMENTS The company will legally undertake to repay its esteemed short term investors' total funds, within specified period, via its investment agreement. The investors will receive the investment funds repayments via corporate cheques or direct transfer to their bank accounts. The investors will indicate the preferred mode of payment as requested in our investors Form.

pdfMachine Is a pdf writer that produces 6quality PDF files with ease! Produce quality PDF files in seconds and preserve the integrity of your original documents. Compatible across nearly all Windows platforms, if you can print from a windows application you can use pdfMachine. Get yours now!

(11) THE INVESTORS REQUIREMENTS The short term investors will be required to:(i) Complete the investors Forms which contains salient personal Investors’ details. (ii) Execute (sign) the investment agreements. (iii) Produce copy of National Identity /Employment cards or Passports for our records (OPTIONAL).

(12) THE INVESTMENT FUNDS MODES OF PAYMENT There are two (2) options on how to invest your funds:OPTION 1 The investors may bring investment funds (Cash Deposit or Electronic Funds Transfer) receipts to our office. Upon our receipt of investment funds, the investors will (i) receive investment fees receipt (ii) execute the investment agreement (iii) complete the investor forms. Please note that our office is situated in Thome Estate Phase I, Plot No SD 70, Stream Drive, Off 1st Windorview Avenue, P.O. Box 53783-00200, Nairobi-Kenya. The Thome Estate is situated near Garden Estate near Roasters Inn in Kasarani Area. The public transport is Matatu No.53 with stages near Odeon Cinema or Globe Roundabout. Alternatively, you may use Thika Road Matatus Nos. 44, 45, 145, 17,237 and alight at Formerly Demolished Nakumatt Supermarket-Thika Road (near Roasters Inn) and ask Taxi Services to drop you at the Physical address provided above. We suggest that you call Mr. Stephen Kiragu Ndungu on Cell No: + 254 735 157 519/+ 254 712 429 020 to book an official appointment and avoid any unnecessary disappointments. pdfMachine Is a pdf writer that produces 7quality PDF files with ease! Produce quality PDF files in seconds and preserve the integrity of your original documents. Compatible across nearly all Windows platforms, if you can print from a windows application you can use pdfMachine. Get yours now!

OPTION 2 If we (investors and ourselves) are unable to meet and discuss the investment opportunity due circumstance beyond our human control, the investors may send scanned investment funds (Cash Deposit or Electronic Funds Transfer) receipts, via e-mail, as e-mail attachments. The investors will call/sms Mr. Stephen Kiragu Ndungu on Cell No. + 254 735 157 519/+ 254 712 429 020, to confirm investment funds payments, for our ease of reference and further necessary action. The investors will receive their investment funds receipts, investment agreements and investors’ forms as e-mail attachments, via their e-mail, postal addresses or courier services i.e. Securicor Services for their perusal, ease of reference and further necessary action within 3 days (Guaranteed). PS: We will also Call/Sms the investors informing them to check their e-mail accounts or post office boxes for our aforementioned documents. The investors will also send their Full names and Postal address with postal code and copy of either their National Identity /Employment cards or Passports (as e-mail attachments) via e-mail, postal addresses or courier services for our records and further necessary action. The investors will peruse and confirm which of three (3) above mentioned options is suitable for them.

(13) THE INTERNATIONAL INVESTORS The international investors will make payments in US Dollars only and transfer investment funds via (I) Western Union or MoneyGram Money Transfers Services and payable to Mr. Stephen Kiragu Ndungu, Stendu Enterprises, P.O. Box 53783-00200, Nairobi-Kenya. THE CURRENT EXCHANGE RATE IS US Dollars 1.00 = Kenya Shillings 80.00 pdfMachine Is a pdf writer that produces 8quality PDF files with ease! Produce quality PDF files in seconds and preserve the integrity of your original documents. Compatible across nearly all Windows platforms, if you can print from a windows application you can use pdfMachine. Get yours now!

PS: The international investors will be required to send their scanned Western Union or MoneyGram Money Transfers Services sender’s forms, as e-mail attachments, via e-mail for our reference and further necessary action. (II) THE US DOLLARS (USD) REMITTANCE TO BANK ACCOUNT CORRESPONDENT BANK: CITIBANK N.A. NEW YORK, SWIFT CODE: CITIUS33 BENEFICIARY BANK: EQUITY BANK LTD, SWIFT CODE: EQBLKENA ACCOUNT NAME: STENDU ENTERPRISES ACCOUNT NUMBER: 0020192425877 WITH US DOLLARS XXXXXXX

(14) THE INVESTMENT FUNDS AGREEMENT The company and its esteemed short term investors will execute (sign) legally binding investment agreements, which will guarantee and/or safeguard the respective mutual business interests. PS: There is a written investors’ funds payment guarantee clause included in investment agreement.

(15) THE CONCLUSION The investment funds will be safeguarded and made available to investors within specified period. The company will ensure that its short term investors are paid as and when required as per the executed (signed) investment agreements. The company understands the paramount importance of cultivating satisfactory mutual business relations with its short term investors.

pdfMachine Is a pdf writer that produces 9quality PDF files with ease! Produce quality PDF files in seconds and preserve the integrity of your original documents. Compatible across nearly all Windows platforms, if you can print from a windows application you can use pdfMachine. Get yours now!

The investors should not hesitate to call the undersigned, at any time, on Cell No. + 254 735 157 519/+ 254 712 429 020 or via e-mail [email protected] for further necessary salient queries and/or discussions.

We wish you a good day!!!

Yours Faithfully,

Stephen Kiragu Ndungu Proprietor/Manager STENDU ENTERPRISES.

pdfMachine Is a pdf writer that produces10 1quality PDF files with ease! Produce quality PDF files in seconds and preserve the integrity of your original documents. Compatible across nearly all Windows platforms, if you can print from0a windows application you can use pdfMachine. Get yours now!