1. Cygnet Financial Service
Cygnet Financial Services
Investment Proposal
Business Plan

2. EXECUTIVE SUMMARY
CYGNET'S strategy will be to source investment funds from private funders.
CYGNET aims to operate in the commercial and industrial property sector.
Investor funds will be lodged in an Investment Account with Deloitte &
Touche and KPMG.
CYGNET will source properties for development and re-investment and will
operate the Administration Account.
This is done on a call off from the Investment Account, and is subject to
extensive viability and due diligence checks and balances.
All profits and returns on investments and sales will be held in a Distribution
Account and paid to investors as per instructions held.
Technological advancements also permit for other economically feasible
distribution channels, such as separately managed portfolios for large
accounts.

3. 'COMMERCIAL PROPERTY VALUES WILL INCREASE
IN A VOLATILE ECONOMY'
CYGNET will offer high net worth investor’s opportunity to maximize
profits and a capital growth element in exchange for contributions to
CYGNET’S operating capital and for providing seed funds to establish the
investment products described herein.
This document alone does not constitute an offer of any type, nor does it
provide any guarantee, financial, or otherwise.
Risks associated with the CYGNET FINANCIAL SERVICES business plan
are not limited to those detailed in this document.

4. COMPANY SUMMARY
CYGNET FINANCIAL SERVICES is structured as a Close Corporation,
incorporated in the Republic of South Africa. It has been designed to
capitalize on property industry research performed by one of the founding
members, Sagren Pillay.
This company is unique because it differs substantially from the way most
existing investment management firms operate. Many of the firms created
in the last 15 years were started by the departure of portfolio managers
from the country's largest banks, insurance companies, and brokerage
firms. Generally, these individuals were deep in investment management
but novice as it concerns the business and operating side of running an
organization. The investment plan for CYGNET is different.
CYGNET has been founded by managers and entrepreneurs with in-depth
knowledge of all aspects concerning property investment organizations.
Professional talent will be acquired and retained by offering key
individuals and professional service companies’ competitive compensation
to include equity stakes.

5. WE BELIEVE OUR PROCESS WILL BE SUCCESSFUL
IN THE FUTURE FOR THE FOLLOWING REASONS:
1. It provides the opportunity to outperform the market without taking
undue risks, whilst having ownership.
2. It does not concentrate heavily in a narrow segment of the market
(e.g. residential, agricultural), thus portfolios are more likely to
maintain a stable performance base when certain areas rotate out of
favor and prompt redemptions.
3. It simplifies investor's portfolios by reducing the number of managers
or funds they need in their overall property allocation.
4. As in most cases, investment opportunity at ground level
(development projects) will generally allow the investor a far greater
return on their investment in a shorter period.
5. Capital growth is taxed at lower rates than normal profits.

6. SALES STRATEGY
CYGNET'S property investment portfolio will be initially offered through an
FSB registered administration fund.
Technological advancements also permit for other economically feasible
distribution channels such as separately managed portfolios for large
account sizes.
Based on our large, medium and small cap projects, revenue streams will
be continuous from year 3. Ideally, clients should look to invest in the
medium to long term to maximize profitability and returns.
CYGNET generates its revenue from Administration Fees for services
rendered on behalf of its clients.
The chart and table below provide a more detailed look at our projected
sales strategy.

7. COMPETITIVE EDGE
''Companies are nothing but men and women and their work. That which
comes forth from a company is only as fine as the effort put into it.'‘
''A customer is a person who brings us his wants-it is our job to fulfill
those wants.''
The above quotes reflect the philosophy and ethos of CYGNET.
Only by fine effort and effective control will we accomplish and attain our
goals and those of our investors.
CYGNET will centralize and standardize all property management systems,
controls, responsibilities and personnel.
Unlike other investment companies who generalize and pay dividends to
all clients in their portfolios, we will strive to manage each client on a
personal basis, and to maximize returns for each and every client.

8. MARKET STRATEGY
CYGNET is based in Kwa-Zulu Natal and has excellent local knowledge of
markets, trends and development nodes in the region.
Our initial focus will be to invest locally, before expanding into other
regions. This will only be done via thorough market analysis and project
planning.
We will utilize our website to find investment properties and opportunities,
as well as to market our portfolios.
We are registered with the Debt Control Council.
The Estate Agency Affairs Board and will register with the Financial
Services Board, to ensure legal compliance.
We will charge an Administration Fee to our clients based on investment
levels. Fees will approximate 1, 5% of investment.

9. MILESTONES
CYGNET will strive to have projects in place and capitalization of R 2, 3
billion by 2015.
This is a bold plan, but is highly achievable given the available projects
and infrastructural changes that are being effected in South Africa.
We have attached Large, Medium and Small Cap targets as per our initial
market analysis.

10. MANAGEMENT SUMMARY
CYGNET has compiled a management team, and will employ candidates
for other key positions, should it be required.
We would prefer to use outside consultants and professional teams on a
project basis, and according to each entity’s specific strengths.
Sagren Pillay is the managing member of the corporation.
Sagren has been involved in company management for the past fifteen
years.
David Larkan is a registered and practicing accountant. David graduated
and was articled with KPMG, prior to going into private practice.
He also holds a CEA qualification. David has been in the accounting
profession for the past 22 years and in the property industry for seven
years.

11. Cygnet Financial Services CC
Reg no; 2006/014207/23
397 North Coast Road Tel no: +2731) 5649939
Fax no: +2731) 5639529
Briardene
G mail: 0867330872
Durban PO.BOX 3731
4001 Durban
Email: Cygnetdebt@telkomsa.net 4001
Email: psagren@gmail.com
Vat no; 4680231810 DCCC no; 0016178/06