Quatro Ebanking

V:1.220/02/09
www.quatrofinancemembers.com
Innovations in E-banking
Quatro Banking Corporation

Mission Statement
Quatro Banking Corporation which is being funded by Quatro Finance Limited
has clear defined objectives. These are:
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
Secure On-line payment processing
To allow end user real time access to their funds
To give the customers the control of their own transactions
Reduced processing fees in markets such as gaming
To take responsibility for all functions such as card production
To offer the most competitive fees in the market
To provide a regulated structure for the provision of E-accounts
so customers can access their funds through various means
To become the forefront of on-line payment processing
To provide a complete solution for both businesses and individuals
To provide a ‘no limitation’ Credit Card facility
Quatro

page 2
In Brief
Quatro Finance Limited is offering a venture capital
style investment opportunity which is suitable for private
sophisticated investors looking for medium term growth in
share value with bi-annual cash dividend by way of creation
and operation of an E-banking system, card manufacturing
and vending plant and other banking and financial systems.
Medium term targets of annual growth are in excess of 20%
per annum with upper targets over 3 years of 100% and 5
years of 200% projected.
Quatro Finance Limited is part of the Quatro International
Group.

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Quatro Finance Limited
Quatro Group launched in 2007 and has a unique vision where networking is the key to becoming a
successful entrepreneur.
Quatro has a very clear and defined thinking behind it’s business.
When you have a clear vision of your idea and ambition is well defined, it is time to analyse the
consequences. In the starting phase, it is crucial to have a well defined goal and the means to assess
and control the relativity of the idea. Most ideas have to mature and flourish until you can have a clear
visualisation and can transform the idea to a successful project.
page 3

The Project
With the global economic crisis, the world is looking for new secure and
safe systems to look after it’s money, whilst still addressing the issues with
international trade, speed, cost and other day-to-day banking delays. The
answer is to create a world E-banking system that delivers a solution to
this and that does not rely on the lending of banks and finance houses. A
systemwhich,whenstandingalone,canprovideanyindividualorbusiness
the services it requires without putting the customer’s money at risk.
Whilst this venture is very innovative, we have taken steps to minimise
risk and create the opportunity to flourish during the ‘credit crunch’ by
becoming a banking operation which is attractive not just to companies
but to individuals.
An E-bank or electronic-bank is a bank without physical presence as all
banking is achieved online, thus maximising profit and reducing overhead.
The growth of the E-bank worldwide will be immeasurable as this solution
is for any business or individual.
We are launching this investment opportunity with a goal of £16-20
million to be raised by Quatro Finance Limited. This is an opportunity for
selected investors to join us in this venture as an initial shareholder, who
will benefit from the growth of the venture reflected in the projected share
price increase.
Our vision has been to incorporate a number of existing models and to add
substantial improvements. The amalgamation of our forward thinking and
technology has created a low risk high profit banking facility projection.
We have selected to amalgamate acquiring funds, secure payments,
E-money and SMS technology to create a ‘super’ E-banking facility which
has not previously been available.
We have based our design on stringent market analysis, the majority
of which has been through our own findings and research but we have
also reacted to enquiries and requests from companies looking for this
type of facility that nobody currently has access to. This is proven by the
number of companies and individuals already on board as our customers
in preparation for launch. Once the facility goes live, we are not then ‘door
knocking’ for customers as we have clients and customers already lined
up and ready to transact with us!
Quatro E-banking is not a new venture or even a venture in planning
stages. It is a venture that is already in progress and development,
ready to launch at the end of 2009. We are not inviting you to invest in
a concept, we are inviting you to invest into a state-of-the-art electronic
banking reality.

Balance Sheets:
E-Banking Project
Assets
Cash
March 09
2,800,000
2,500,000
November 09
23,000,000
5,000,000
November 10
31,000,000
9,000,000
Current Share Value £0.40 per Class B non-voting Share sub class A of Quatro Finance Limited
which will fund and invest into the E-banking project.
Management Estimates
page 5

£450,000,000
£300,000,000
£150,000,000
£60,000,000
£15,000,000
Income Expectation
Our target is to have 250 million individual customers worldwide in 10 years.
However, for the purposes of showing how profitable the E-banking project will be, we
have used the following conservative targets for the first 5 Years:
New Account Holders
Year 1
Year 2
Year 3
Year 4
Year 5
Target – New Customers
1 million
3 million
6 million
10 million
10 million
Total Customers
1 million
4 million
10 million
20 million
30 million
If our target income per account per month was £1.25
Year 1
Year 2
Year 3
Year 4
Year 5
Monthly Income
£1,250,000
£5,000,000
£12,500,000
£25,000,000
£37,500,000
Annual Income
£15,000,000
£60,000,000
£150,000,000
£300,000,000
£450,000,000
page 6

Share Price Projection
Quatro Finance Limited’s share price forecast for the first 5 years is;
Project Phase Jan 09 - £0.40
Project Phase Nov 09 - £0.55
per share
per share
Launch of E-banking System
through Quatro Banking
Corporation
Dec 09
Dec 10
Dec 11
Dec 12
Dec 13
£0.55
£0.80
£1.20
£1.70
£2.60
per share
per share
per share
per share
per share
In Comparison:
If we look at similar E-banks
- PayPal sold for £1.5 billion in 2002
- Money-bookers was bought for £105 million in 2008
- Netteller showed a profit after tax of £102 million in 2006
Paypal revenues for Q3 in 2008 were $597 million, up 27% year on year. Paypal
accounts contain over $3 billion in stored value that is spent every 2 weeks.
On a conservative business model, providing our business objectives are met, it
is reasonable to forecast an exit strategy of £250 million in the shorter term and
£750-£900 million in the longer term, say, 5 years or more.
page 7

E-Money Banking –The Factors
We are all fully aware of the E-banking phenomenon that is electronic banking. Recognised
names in this E-financial market are the likes of PayPal, Moneybookers and Neteller.
The common factor for this type of business is an easy to use and secure portal for merchants
and customers to transact funds. However, there are major factors in these models which do not
offer the complete package. This is where Quatro E-banking sees the niche.
TheE-banking model wehavecreatedisattheforefrontofsecure technology,bringing insecurity
measures which combine mobile technology, acquiring technology, vending technology, 4 level
security technology, card technology and payment technology in order to eliminate flaws in the
currently offered systems which include fraudulent usage and lengthy time delays.
The project is made up of a number of factors which include;
•
•
•
•
•
•
•
•
•
•
E-wallet
Secure Payment Cards
Secure Transaction Processing
SMS/Mobile Secure Technology
Secure Acquiring Services
‘Real-time’ Money Movement Globally
Business Services
Loyalty Scheme
Proof of Age Systems
Fully Regulated Environment

Investment in PhysicalAssets
not just Ethernet Technology
Your investment is not just in Quatro’s E-bank facility but in the full system including the
processing and production, premises and facilities.
This includes a state of the art card manufacturing and production centre, which has
already been purchased and is currently being refitted. This large secure building located
in the UK was an ex-RoyalAir Force building. The building is bomb-proof and fully secure
to adhere to the strict guidelines for working with manufacturing secure cards.
Thiscrucialpieceoftheprojectensuresthatweofferafullturnkeysolutiontoanycustomer
keeping the costs low as all services are supported in-house keeping profits up.
By investing in Quatro Finance Limited, which in turn invests and lends to Quatro’s
E-banking project companies, you should benefit from the growth of those businesses
because they share profits with Quatro Finance Limited thus increasing the value of your
shares and investment.
Quatro Finance Limited is a company registered in the Republic of the Seychelles. All investment business is conducted by Quatro Finance Limited within
its Domestic jurisdiction and regulatory structure of the Republic of the Seychelles only.

Global Network
Quatro MPN currently has over 4000 members located globally. We have a strong
presence in Sweden, Norway, Denmark and Croatia and are seeing the number of members
increasing in Germany, Estonia, Russia, Lithuania, Poland, Portugal, Thailand, Mainland
China, Singapore, Taiwan and Canada.

Offering
The investment requirement is £16-£20 million (British Pounds Sterling) to be offered in 9
fixed tranches:
Pre-launch offering: Unlimited offering from 20/02/09 to a maximum of 20/03/09 @ £0.40
per share, closing date and volume at management discretion.
1st Offering 01/04/09: Closing at £2,000.000.00 or by 20/04/09
2nd Offering 01/05/09: Closing at £2,000,000.00 or by 24/05/09
3rd Offering 01/06/09: Closing at £2,000.000.00 or by 22/06/09
4th Offering 01/07/09: Closing at £2,000,000.00 or by 26/07/09
5th Offering 01/08/09: Closing at £2,000.000.00 or by 24/08/09
7th Offering 01/10/09: Closing at £2,000.000.00 or by 25/10/09

Quatro
Summary
Quatro Banking Corporation is a new concept which is going to take the global E-banking industry
to the next level.
The niches we have identified will make Quatro the driving force behind E-banking security and
E-banking transaction speed. E-banking is for everyone therefore everyone worldwide is a
potential customer.
We already have an extensive client list ready to transact from day one.
Your investment in Quatro Finance Limited which is funding and investing in this project, buys
you into the profit potential, not only of cutting edge technology, card production, processing,
compliance and regulation,but a system that, based on income forecasts, will not only pay your
investment back should you sell your shares but also return you substantial gains by way of
dividends.
We are ready to launch and want you to invest and be part of the Quatro success!

Why
Invest
Now
The share price is
expected to go up month
on month. Subscription
places are limited. By
investing now you will be
able to secure shares in
today’s offering and future
months up to November
2009 at today’s share
prices!
This brochure is for
information only. It is NOT
a prospectus or Offering
Memorandum.
This investment carries
risk. Subscribers should
read the offering
memorandum and seek
advice prior to making an
investment.
This is not a public offer to
invest.
Quatro Finance Limited is a company
registered in the Republic of the Seychelles.
All investment business is conducted by
Quatro Finance Limited within its Domestic
jurisdiction and regulatory structure of the
Republic of the Seychelles only.

OFOFFERING MEMORANDUM
A member of the Quatro International Group
Limited offering by way of shares
First tranche opening date February 20th 2009
Closing date of final tranche November 27th 2009
An offering in 9 monthly tranches of £2,000,000.00 each
At an opening share price for Class B non-voting shares sub class A of £0.40 each
Minimum subscription £400.00
Issuer:
Administration Agent:
Bankers:
Auditors:
Managing Director:
Quatro Finance Limited, Seychelles
Saphrau Inc, Seychelles
Barclays Bank
Turner Warren
Asle Frydenlund
A private offering by way of shares. Not for public circulation and for sophisticated investors only as defined
within this prospectus.
Quatro Finance Limited. Offering Memorandum Confidential

Table of Contents
Page
PRECURSOR TO SUBSCRIPTION AGREEMENT
SUBSCRIPTION AGREEMENT
SUBSCRIPTION FORM
KEY OFFERING NOTES
SUMMARY
THE COMPANY
INVESTOR SUITABILITY STANDARDS
RISK FACTORS
USE OF PROCEEDS
DESCRIPTION OF CAPITAL STOCK
MANAGEMENT
PRINCIPAL SHAREHOLDERS
DESCRIPTION OF OFFERING
TERMS OF THE OFFERING, VALUATION,
REDEMPTION AND DEALING
ADDITIONAL INFORMATION
REDEMPTION FORM
EXAMPLE SHARES CERTIFICATE
17
19
21
24
27
28
31
31
34
35
35
35
36
38
43
45
47

PRECURSOR TO SUBSCRIPTION AGREEMENT
Dated: February 20th 2009
A Seychelles Corporation Registration Number: 057423
50,000,000 Class B non-voting shares sub class A at opening price of: £0.40 (British Pounds) per share.
Quatro Finance Limited, (the “Company”), is a private limited company based in the Seychelles and is a member of the
Quatro International Group global network.
The Company has been specially formed to allow Quatro Group members and other close associates to participate in
the business development of the Group’s global activities by way of investment through shares.
The Company provides funding to other areas of the Quatro Group to realise the Quatro Mission. By participating
in the Company through holding shares, the growth and development of the Company is shared among its member
participants subject to performance.
The Company’s primary objective and purpose in 2009 is to raise £16-£20 Million Pounds Sterling to fund the creation
and development of the Quatro International Group’s soon to launch global e-banking system which is illustrated in more
detail throughout this offering.
This Offering Memorandum relates to the offer and sale by the Company, solely to “sophisticated investors” for the
purpose of this offering of up to 50,000,000 Class B non-voting shares sub class A of the Company at an opening value
of £0.40 per share. Each prospective investor must subscribe to purchase a minimum of 1,000 shares for a minimum
investment of £400.00 or if the share price changes at any future date the appropriate number of shares on that date
which equals no less than £400.00.
THE SECURITIES OFFERED HEREBY CARRY RISK: SIMILAR TO THAT OF VENTURE CAPITAL. THEYARE ALSO
SUBJECT TO IMMEDIATE DILUTION AND SHOULD BE PURCHASED ONLY BY PERSONS WHO CAN AFFORD
TO LOSE THEIR INVESTMENT. (SEE “RISK FACTORS” FOR SPECIAL RISKS CONCERNING THE COMPANY).
PRIOR TO THIS OFFERING THERE HAS BEEN NO PUBLIC MARKET FOR SHARES OF THE COMPANY. THERE
CAN BE NO ASSURANCE THAT ANY SIGNIFICANT TRADING MARKET IN THESE SECURITIES WILL DEVELOP
HEREAFTER, OR THAT SUCH MARKET, IF DEVELOPED, WILL CONTINUE. THE COMPANY IS NOT SUBJECT TO
REGULATION OR STATUTORY AUDIT.
THESE SECURITIES HAVE NOT BEENAPPROVED OR DISAPPROVED BYANY SECURITIES, STOCK EXCHANGE
OR REGULATORY COMMISSION, NOR HAVE ANY OF THE FOREGOING COMMISSIONS OR AUTHORITIES
PASSED UPON OR ENDORSED THE MERITS OF THIS OFFERING OR THE ACCURACY OR ADEQUACY OF THIS
DOCUMENT.
SALES OF THE SHARES WILL BE MADE SOLELY TO PERSONS WHO REPRESENT THAT THEY ARE
“SOPHISTICATED INVESTORS” AND THAT THEY ARE ABLE TO BEAR THE ECONOMIC RISK OF THEIR
INVESTMENT FOR AN INDEFINITE PERIOD OF TIME.
The date of this Offering Memorandum is February 20th 2009.
The Class B non-voting shares sub class A of the Company are being offered on behalf of the Company by its officers
and directors, who will not be separately paid for such services. The offer will be on a “best efforts” basis with respect to
all of the shares. Certain parties acting as independent contractors may receive compensation associated with advising
and supporting the Company in presenting this investment opportunity. Upon request the Company will advise any
prospective investor of such parties.
There can be no assurance that any or all of the shares being offered will be sold. Subscriptions may not be withdrawn
once made. Because this is a “best efforts only” offering, with no minimum required to be sold, the proceeds may
be released to the Company upon receipt thereof, while the offering continues for the remaining unsold shares. The
offering shall take place in multiple tranches which commence on February 20th 2009.
The tranche dates are as follows:

Pre-launch offering:
1st Offering
2nd Offering
3rd Offering
4th Offering
5th Offering
6th Offering
7th Offering
8th Offering
Unlimited offering from 20/02/09 @ £0.40 per share, closing date and volume at
management discretion.
01/04/09: Closing at £2,000.000.00 or by 20/04/09
01/05/09: Closing at £2,000,000.00 or by 24/05/09
01/06/09: Closing at £2,000.000.00 or by 22/06/09
01/07/09: Closing at £2,000,000.00 or by 26/07/09
01/08/09: Closing at £2,000.000.00 or by 24/08/09
01/09/09: Closing at £2,000,000.00 or by 21/09/09
01/10/09: Closing at £2,000.000.00 or by 25/10/09
01/11/09: Closing at £2,000,000.00 or by 27/11/09
THIS DOES NOT CONSTITUTE AN OFFER TO SELL OR SOLICITATION OF ANY OFFER TO
BUYANY SECURITY IN ANY JURISDICTION IN WHICH SUCH OFFER OR SOLICITATION WOULD BE UNLAWFUL.
THE DELIVERY HEREOF SHALL NOT UNDER ANY CIRCUMSTANCES CREATE ANY IMPLICATION THAT THERE
HAS NOT BEEN ANY CHANGE IN THE AFFAIRS OF THE COMPANY SINCE THE DATE HEREOF.
THE SHARES ARE OFFERED BY THE COMPANY SUBJECT TO PRIOR SALE AND ACCEPTANCE OF AN OFFER
TO PURCHASE. THE COMPANY RESERVES THE RIGHT TO REJECT ANY ORDER, IN WHOLE OR IN PART, FOR
THE PURCHASE OF ANY OF THE SHARES OFFERED HEREBY.
page 17 Quatro Finance Limited. Offering Memorandum Confidential

SUBSCRIPTION AGREEMENT
The undersigned, by signing the Signature Page attached hereto, hereby irrevocably tenders this subscription and applies
to purchase _______________ shares (a minimum purchase of £400.00 which is 1,000 shares (at the initial opening price
of £0.40 per share or at the prevailing share price thereafter) of the Class B non-voting shares sub class A (the “Class B
Shares”) of Quatro Finance Limited, a Seychelles company (the “Company”). An electronic wire transfer has been made in
the amount of __________________ to the bank co-ordinates below as tender of the purchase price of the shares.
The undersigned hereby acknowledges receipt of a copy of the Company’s Private Offering Memorandum (the “Offering
Memorandum”), relating to the offering and describing the terms and conditions of the offer and sale of the Class B non-
voting shares sub class A.
The undersigned hereby represents and warrants to and covenants with the Company as follows, recognising that the
Company will rely to a material degree upon such representations, warranties and covenants, each of which shall survive
any acceptance of this subscription in whole or in part by the Company and the issuance and sale of any Class B non-voting
shares sub class A to the undersigned.
1.
2.
3.
All statements made by the prospective investor which have been or are concurrently being furnished to the
Company by the undersigned continue to be and are true, accurate and complete as of the date hereof.
The undersigned has been informed and is aware that an investment in the Class B non-voting shares sub class
A involves a degree of risk and speculation and has carefully read and considered the Offering Memorandum in its
entirety.
The undersigned confirms that he or she has been advised that he or she should rely on, and that he or she has
consulted and relied upon, his or her own accounting, legal and financial advisors with respect to this investment in
the Class B non-voting shares sub class A.
The undersigned and his or her professional advisor(s), if any, have been afforded an opportunity to meet with the officers
and directors of the Company and to ask and receive answers to any questions about this offering and the proposed
business and affairs of the Company and to obtain any additional information which the Company possesses or can
acquire with unreasonable effort or expense that is necessary to verify the accuracy of information provided in the Offering
Memorandum and have, therefore, obtained, in the judgment of the undersigned and/or his or her professional advisor(s),
sufficient information to evaluate the merits and risks of investment in the Class B non-voting shares sub class A.
Neither the undersigned nor his or her professional advisor(s), if any, have been furnished with any offering material or
literature other than the Offering Memorandum and this Subscription Agreement, nor is the undersigned or his or her
professional advisor(s), relying on any representations, statements or other information provided by the Company orally or
in writing, other than as expressly set forth in the Offering Memorandum.
4.
5.
The undersigned understands and acknowledges that;
(i) no federal or state agency has made any finding or determination as to the fairness or suitability for investment
in, nor any recommendation or endorsement of, the Company or the Class B non-voting shares sub class A
(ii) the Company’s legal counsel has not independently verified the information concerning the Company included
herein, all of which has been provided by the Company, nor has such counsel passed upon the accuracy or
adequacy of this Offering Memorandum
(iii) no independent third party, such as an investment banking firm or other expert in the valuation of businesses
orsecurities, hasmadeanevaluationoftheeconomicpotentialoftheCompany(iv)theofferingpriceofthe Class B
non-voting shares sub class A has been determined solely by the Company and does not necessarily bear any
relationship to the Company’s results of operations, net worth, prospects or other commonly recognised criteria of
valueatthistimeandshouldnotbeconsideredasindicationsofanypricesatwhichanyoftheCompany’ssecurities
may trade or be valued in the future.
On the basis of the review of the materials and information described above and relying solely thereon and upon the
knowledge and experience of the undersigned and/or his or her professional advisor(s), in business and financial
matters, the undersigned has evaluated the merits and risks of investment in the Class B non-voting shares sub
classAand has determined that he or she is both willing and able to undertake the economic risk of this investment.

6.
7.
8.
The Class B non-voting shares sub class A will be acquired by the undersigned for the personal account of the
undersigned for investment and not with a view to, or for resale in connection with, any distribution thereof or of
any interest therein, and no one else has any beneficial ownership or interest in the Class B non-voting shares
sub class A acquired by the undersigned, nor are they to be subject to any lien or pledge. The undersigned has
nopresentobligation,indebtednessorcommitmentpending,norisanycircumstanceinexistencewhichwillcompel
the undersigned to secure funds by the sale, transfer or other distribution of any of the Class B non-voting shares
sub class A or any interest therein.
The undersigned understands and agrees that the common stock cannot be transferred or assigned without the
permission of the Company and that there is and will be no public market therefore. Accordingly, it may not be
possible for the undersigned readily, if at all, to liquidate this investment in the Class B non-voting shares sub class
A in case of an emergency or otherwise. The undersigned has considerable net worth, can afford to bear the risks
of an investment in the Class B non-voting shares sub classA, including the risk of losing the entire investment, for
an indefinite period of time, and has adequate means of providing for his or her current needs and professional
contingencies and has no need for liquidity in this investment.
The undersigned understands and acknowledges that this is an unregulated offering of Class B non-voting shares
sub class A in the Company. With such realisation, the undersigned hereby authorises the Company to act as it
may see fit in reliance on such information, representations and warranties, including the placement of the following
legend on the stock certificate(s) issued to the undersigned:
“THE SECURITIES REPRESENTED HEREBY HAVE NOT BEEN REGISTERED WITHANY SECURITIES OR STOCK
EXCHANGE.THESECURITIESMAYNOTBEPLEDGED,SOLDORTRANSFERREDWITHOUTTHEEXPRESSCONSENT
OF THE COMPANY.”
9.
10.
11.
12.
13.
The undersigned hereby indemnifies and holds harmless the Company and its respective officers, directors,
shareholders, employees and agents, as the case may be, from and against any and all damages suffered and
liabilities incurred by any of them (including costs of investigation and defense and attorneys’fees) arising out of any
inaccuracy in the agreements, representations, covenants and warranties made by the undersigned herein.
If the undersigned is purchasing the Class B non-voting shares sub class A subscribed for hereby in a fiduciary
capacity, the above representations and warranties shall be deemed to have been made on behalf of the person or
persons for whom the undersigned is so purchasing.
The undersigned hereby acknowledges and agrees that the undersigned is not entitled to cancel, terminate or
revokethissubscriptionoranyagreementsoftheundersignedhereunderandthatsuchsubscriptionandagreements
shall survive the death or disability of the undersigned.
TheundersignedunderstandsandacknowledgesthatthissubscriptionmaybeacceptedorrejectedbytheCompany
atitssolediscretion. AnyamountstenderedinexcessofthetotalpayableasthepurchasepricefortheClass B non-
voting shares sub class A as to which this subscription has been accepted will thereafter be delivered to the
undersigned as soon as is practicable, all as described in the Offering Memorandum. The Company shall signify its
rejection by returning to the undersigned this Subscription Agreement and all funds (without interest or deduction)
submitted by the undersigned.
If, prior to the sale of any Class B non-voting shares sub class A to the undersigned, there is a material change
in the undersigned’s investment intention as expressed herein, or if there occurs any change which would make
either the representations or warranties made by the undersigned herein or the information provided by the
undersigned materially untrue or misleading, the undersigned agrees to immediately so notify the Company and
any prior acceptance of the subscription of the undersigned shall be void at the option of the Company.
IN WITNESS WHEREOF, the undersigned executes and agrees to be bound by this SubscriptionAgreement by executing
the signature page attached hereto on the date therein indicated.

SUBSCRIPTION FORM
SIGNATURE PAGE
(All information must be completed)
Date:
Tranche subscribing for:
____________________
_____________________
(If you are subscribing for shares on offer in this period please write “Current”, if you are subscribing for shares in a future period at today’s
share price, please write the month you are subscribing into which can be from April 2009 through to November 2009 except where the
date has already passed.) You must complete separate forms for every subscription you wish to make.
Number of shares:_____________________________GBP £: _____________________________
Purchase Price
(Minimum investment is GBP £400.00)
________________________________________________________________________________________
Signature(s) of Subscriber or Company Officer
________________________________________________________________________________________
Name of Signatory if signing on behalf of a Company.
________________________________________________________________________________________
Name of Subscriber (if a Corporation, then Company name)
________________________________________________________________________________________
Residence/ CompanyAddress
________________________________________________________________________________________
City, State/County, Post/Zip Code
________________________________________________________________________________________
Country
Telephone:
Fax:
Email:
_________________________________________________________________________
_________________________________________________________________________
_________________________________________________________________________
Quatro Membership Number (if applicable): ___________________________________________________
Subscribers Bank Details for redeemed funds and dividend payments:
Bank Name:
Bank Country:
SWIFT CODE:
IBAN (if applicable):
Currency ofAccount:
Account Number:
Routing or Sort Code:
Account Name:
__________________________________________________________________
__________________________________________________________________
__________________________________________________________________
__________________________________________________________________
__________________________________________________________________
__________________________________________________________________
__________________________________________________________________
__________________________________________________________________
Quatro Membership No. __________________________________________________________

Documents Required:
To complete this subscription, the information in this agreement PAGES 20-22 ONLYmust be delivered to theAdministration
and Transfer Agent or the Company by scanned copy via email, fax or original along with proof of identification of the
subscriber being:



Copy of Passport of individuals or Copy of Photo Driving Licence or National Identity Card.
If a Company; copy of the company incorporation certificate and a resolution signed by the Board of
Directors approving this subscription along with copies of items as laid out in a) above for the directors
and any shareholder holding more than 20% of the issued shares in the Company.
If this subscription has been completed online, there is no requirement to submit the subscription form by
hard copy but the identification will still be required.
Subscribers may email scanned copies of the SubscriptionAgreement and identification to:
register@quatrofinancemembers.com
Or may fax them to:
+(*00) 1866 634 1028
*Prefix only required if calling from inside Europe
Or may mail/courier them to:
BPM 45062
34 Parc d’Activite Syrdall
L-5365 Munsbach
Luxemburg
Payment Co-ordinates:
All subscribed funds should be remitted to theAdministration and TransferAgent to the following bank details:
The correspondent information may not be required only the “to credit” information but some banks require these additional
details. It is important that the “to credit” co-ordinates are used for the ultimate routing of the remittance.
GBP
Correspondent:
To Credit:
SWIFT:
Account number:
Account name:
Quote Reference:
Barclays Bank PLC
5 The North Colonnade
Canary Wharf, London
GBP Account number: 20325370633429
Account Name: Barclays Bank Seychelles Limited
SWIFT: BARC GB 22
Barclays Bank Seychelles Limited
Independence Avenue
PO Box 167, Victoria, Mahe
Seychelles
BARCSCSC
7679731
Saphrau Inc
QF-B “Your name”
The subscriber will be notified within one business day when funds have been received.

KEY OFFERING NOTES
Limited, Tranched Offering By Way of Shares in Quatro Finance Limited
Issuer:
Parent Group:
Authorised Shares:
Executive Management:
Class A Shares:
Offering- Class B Shares:
Initial Share Price:
Valuation:
Dealing:
Minimum Subscription:
Investor Standards:
Bankers:
Auditors:
Administration
& Transfer Agents:
Offering Style:
Regulation:
Offer Period:
Quatro Finance Limited of the Seychelles
Quatro Group International Limited of the Seychelles
1,000 Class A voting Shares held by Quatro Group International Limited and
10,000,000,000 Class B non-voting Shares.
Mr. Asle G Frydenlund
Managing Director
54 years old
Education: Electronic Engineering and Industrial Process Technology.
Mr. Uno Karlsson
Operational Services
55 years old
Education: Electronics
£1,000,000.00 of Class A voting Shares (being the entire authorised Class A voting
Shares of 1,000 at £1,000.00 each) have been issued and paid for in cash, intellectual
property and fixed assets said shares are held by Quatro Group International Limited.
Class B non-voting shares sub class A at par value £0.0001.
£0.40 per share of which £0.3999 is a share premium.
Monthly (last working week of each month).
Weekly (last working day of each week).
£400.00 or 1,000 shares at £0.40 each.
Sophisticated investors only.
Barclays Bank.
Turner Warren.
Saphrau Inc.
Private, restricted offer, non-public.
Unregulated, audited.
Monthly from the first day of each month to the final day
of the week proceeding the final week of any month.

Pre-launch Offering:
1st Offering
2nd Offering
3rd Offering
4th Offering
5th Offering
6th Offering
7th Offering
8th Offering
First Redemption Date:
Minimum Term:
Redemption Method:
Dividend:
Redemption Dates:
Dealing:
Confirmed Subscription:
Audit:
Valuation Model:
Objective:
Targets:
Notices:
Risks:
Unlimited offering from 20/02/09 @ £0.40 per share, closing date and volume at
management discretion.
01/04/09: Closing at £2,000.000.00 or by 20/04/09
01/05/09: Closing at £2,000,000.00 or by 24/05/09
01/06/09: Closing at £2,000.000.00 or by 22/06/09
01/07/09: Closing at £2,000,000.00 or by 26/07/09
01/08/09: Closing at £2,000.000.00 or by 24/08/09
01/09/09: Closing at £2,000,000.00 or by 21/09/09
01/10/09: Closing at £2,000.000.00 or by 25/10/09
01/11/09: Closing at £2,000,000.00 or by 27/11/09
Not before 07/12/09
180 days or to 07/12/09 whichever is the latter.
By the issuer at the issuer’s discretion within the Quatro membership or by transfer to
a third party (subject to the Company’s approval).
Dividend will be payable bi-annually from the 31st May 2010, then November 31st 2010
and on the same dates annually thereafter. Notice will be given within 30 days of such
dates of any dividend payable and be paid within 30 days thereof.
All redemptions by the Company will be effected on the last working day of each month
following the minimum notification to redeem period which must be at least 45 days
advance notice. Transfers to third parties or to Quatro members shall be effected on
the date of transfer.
All share purchases will be logged on the working day of receipt and dealt on the
nearest following last working day of the week during the respective offering period.
When the Administration and Transfer Agent receives the subscription form, payment
and identification of a subscriber, an electronic or physical share certificate shall be
issued on the last working day of the week in which the completed subscription was
received.
The Company is subject to a voluntary annual audit. The Company year end is
November 30th.
Valuationandre-valuationofsharesshallbeconductedbytheCompany’smanagement
during the last week of each month, following which the revised share price for the
subsequent offering shall be announced. From time to time the Company may seek
independent third party interim audit reviews of its valuation models to maintain a
consistent true and fair view. Such reviews may be disclosed to subscribers from time
to time.
Medium term growth of share value with bi-annual cash dividend, by way of creation
and operation of an e-banking system, card manufacturing and vending plant and other
banking and financial systems.
Medium term targets of annual growth in excess of 20% per annum with upper targets
over 3 years of 100% and 5 years of 200%.
To the Administration and Transfer Agent or the Company by fax, email or post/courier.
Telephonic notices are not valid.
Part or all of subscribed funds could be lost.Quatro Finance Limited. Offering Memorandum Confidential

Risk Category:
Level within this Category:
Guarantees:
Insurance:
Special features
Lending Features:
Quatro Membership:
Forward Subscriptions:
Venture capital style risk.
Medium risk.
N/A.
N/A.
The Company may advance funds on a short term loan basis to subscribers against
shares pledged up to the face value of the shares at the Company’s absolute discretion.
Any subscriber is automatically entered as a Quatro member if not already a member.
Subscribers may purchase shares in any current offering or future offering at the share
price on the day of subscription. However, subscribers may only purchase shares in
future dated offerings to a value not exceeding the number of shares they hold in the
current offering unless the current offering is fully subscribed in which case there are
no limitations.

SUMMARY
The following summary is qualified in its entirety by the detailed information appearing elsewhere in this Offering
Memorandum.
Quatro Finance Limited, (the “Company”), a Seychelles Corporation.
The Company is offering up to 50,000,000 Class B non-voting shares sub class A at an initial share price of £0.40 per
share, of which the par value is £0.0001 and the share premium is £0.3999. However, at this date the Company does
not intend to sell shares through this series of offering for a value greater than £20,000,000.00 which at £0.40 per share
is 50,000,000 shares though as the share price may increase the number of shares available will reduce accordingly.
The Company’s authorised share capital at the date hereof, the 20th February 2009 is 10,000,000,000 Class B non-
voting Shares of £0.0001 par value each and 1,000 Class A voting Shares of £1,000.00 each.
At the date hereof all the 1,000 Class A voting Shares totaling £1,000,000.00 have been issued and are held by Quatro
Group International Limited of the Seychelles.
Thetotalpotentialthatcanbeprocessedfromthisofferingis£20,000,000.00. Thesharesareofferedonlytosophisticated
investors who meet certain suitability standards established by the Company. Each prospective investor must subscribe
to purchase a minimum of 1,000 shares at the current price of £0.40 per share being a minimum investment of £400.00.
As the share price increases or decreases this would result in the minimum number of shares permitted to be sold per
investor to change but the minimum subscribed amount will remain at £400.00. There is no maximum subscription
amount save for the limitation ceiling of the offer tranche.
Subject to ongoing activities and operations, the Company records indicate, as of the date of this offering, that no Class
B non-voting shares sub classAhave been sold. If all shares are sold in this offering from today’s date to the closing date
of the final tranche and if the share price were not to change this would equate to a total sale of shares of 50,000,000 of
the 10,000,000,000 authorised Class B non-voting Shares.
Because the Quatro e-banking and associated projects are new business and because the Company is a finance
company to these development stage businesses, an investment in the shares of the Company involves risks - see
“RISK FACTORS”. The Company has offered shares. There have been no prior offerings of shares in the Company.
Each prospective investor represents that they are a sophisticated investor and as such that they have
substantial tangible net assets, that they are not relying on an early redemption of subscribed funds and
that they are not dependent upon the proceeds of any sale of the subscribed shares or any dividends or
profits thereof. In addition each subscriber has taken appropriate independent financial and legal advice; This
investment is structured with long term growth in mind for substantial gain but by its very nature there is a risk
of partial or total loss.

THE COMPANY
Introduction and Overview
Quatro Finance Limited, ( the ”Company”) is a Seychelles registered corporation, incorporated on the 23rd of December
2008 under Registration number: 057423, whose registered office is Suite 9,Ansuya Estate, RevolutionAvenue, Victoria,
Mahe, Seychelles and is a member of the Quatro International Group global network.
This Offering Memorandum relates to the offer and sale by the Company, solely to “sophisticated investors” for the
purpose of this offering of up to 50,000,000 Class B non-voting shares sub class A of the Company at an opening value
of £0.40 per share. Each prospective investor must subscribe to purchase a minimum of 1,000 shares for a minimum
investment of GBP £400.00, or if the share price changes at any future date then the appropriate number of shares on
that date which equals no less than GBP £400.00.
THE BUSINESS
Primary Function
The primary purpose of Quatro Finance Limited, (the “Company”) is to raise capital by way of sale of Class B non-voting
Shares to members and close associates of the Quatro Group International.
BysellingsharesandraisingcapitalitisthenabletolendfundsandinvestfundsintosisterQuatrocompanies,associated
companies, businesses and subsidiaries whether wholly or partly owned.
Aside from discharging its own costs of operation which the Company is entitled and obliged to do, the Company will
lend and invest funds subscribed into Quatro businesses in exchange for composite rewards for doing so. If the project
company that the Company has invested into is successful then the investment will improve in value and this will
improve the value of subscribers’ shareholdings in the Company.
The Company intends to lend and invest substantially into the Quatro e-banking project. The majority of these loans
and investments are anticipated to be directly to group companies in existence now or to be formed during the process.
The Company will secure its loans and investments using appropriate levels of security for such commercial transactions
such as share pledges, mortgage debentures, commercial loan agreements, inter-company guarantees and any other
system that it deems appropriate and commercially reasonable to secure the best interest of itself and its shareholders.
Loan and Investment Security
The Company will ensure that its investments and loans to the Quatro Group companies are on a commercial basis and,
in all cases, that the Company benefits from the growth and improvement of any of the Group businesses it lends to or
invests in. No loans (except for incidental or trade items), or investments shall be on simple commercial terms of interest
only but on a with profits basis, with shares basis or with bonus basis, or a combination of the same to ensure as far as
is practical that an appropriate and reflective proportion of the growth and wealth created by the loans and investments
is passed onto the Company.
Growth in the Company by virtue of these loans and investments shall, subject to normal trading environments, be
reflected in an increase in the value of the Company Class B non-voting shares with such growth being passed onto
shareholders. In addition the Company will declare bi-annual dividends from 2010 onwards.

Profit Objectives
The objective of the Company is to achieve constant growth in the medium and long term. Subscribers should only
invest with the Company if they intend to look for medium and long term growth (2-5 years or more).
The Company seeks to make its profits by way of loans to and investments in Quatro member and associated companies
as described in the “Primary Function” section.
The Company seeks to achieve a minimum annual growth of 20%.
However the Company’s medium term objective is to achieve 100% growth as a minimum over 3 years and 200%
growth over 5 years.
Such growth should be reflected in the share price and in dividends awarded to subscribers.
The E-banking Business
E-banking is the modern version of traditional banking. The rapid growth of the internet in the 90’s called for a new
type of banking customer, one who transacts electronically as opposed to in a physical branch. Over the past 10
years, e-banking has become more popular with such systems like PayPal and Netteller. However, e-banking systems
currently available in the market do not offer a complete service for all types of businesses and customers. They are
restricted to niche groups or functions and do not offer a full e-banking service, so customers who use these services
have to bank at traditional banks as well.
The Quatro Finance e-banking system brings together key pieces of technology along with new ones to create a world
first in financial technology engineering. The key technologies include: transaction processing, payment cards, mobile
technology, acquiring and cross-border international transfer technology. A full banking system for the customer who is
on the move, with no need to ever visit a physical branch.
The fundamental aspect around E-banking is the ability to cut costs, create a secure fraud proof environment whilst
giving time efficient service. This is what a modern day customer wants.
The UK regulator, the Financial Services Authority (FSA), is seen world wide to be a measure of excellent money
regulations (Financial Services and Markets Act 2000 and relevant Orders for e-money issuing). The Quatro E-money
issuing will be built in the UK to meet the standards and requirements of the FSA. This E-money issuing authorisation
will be passported across Europe, as soon as possible and then in choice countries where we wish to operate, thus
creating the worldwide network. This is of course, at all times subject to such authorisation being granted.
The most important aspect to a customer using the E-banking facility is the access to their funds. The E-banking
company (Quatro Banking Corporation) will become licensed with MasterCard and/or Visa for the purpose of providing
pay cards so that a customer’s funds can be accessed worldwide both in shops and ATMs. The E-banking system will
fully process these transactions.
The head office base of the e-banking facility will also become an approved certified card manufacturing and distribution
centre which will allow Quatro to cost effectively issue cards. There are only a few certified centres in Europe and the
value of the completed distribution centre is high.

Where it makes money
E-banking, like any other type of bank, makes money from money. Unlike traditional banking, however, the overheads
of running an e-banking system are much lower as there is no cost for multiple branches and the physical presence of
staff to manage those premises. E-banking is run from one central location. Because of the reduced costs in operation,
this means e-banking is attractive to the end customer as their costs for banking are reduced resulting in an increased
customer base.
Typical income comes from:
Account Management Fees
Transaction Fees
International Fees
Interest
Network Fees
Payment and Deposit Fees
Accrued Interest on Deposits
FX Fees
Depending on the type of account (individual or business) and the usage, each account should make between £1 and
£15 per month.
Our experience in this industry worldwide has shown that the world is ready for a new system.

INVESTOR SUITABILITY STANDARDS
This is a private offering, which is being made only by delivery of a copy of this Private Offering Memorandum (the
“Offering Memorandum”). Furthermore, the offering and sales of the shares offered hereby will be made only to persons
who meet certain suitability standards described below which have been adopted by the Company for the purpose of
determining who will be permitted to purchase the shares.
An investment in the shares should be considered to be MEDIUM RISK WITHINACATEGORY OF VENTURE CAPITAL
INVESTMENT which involves certain risks (see “Risk Factors”) and is suitable only for prospective purchasers who
have sufficient financial means to bear such risks, who have substantial other assets to provide for current needs and
future contingencies and, therefore, have no need for immediate liquidity with respect to this investment, and who could
withstand a possible total loss of this investment. Consequently, sales of shares offered hereby will be made only
to prospective purchasers who are deemed “sophisticated”. The Company defines this below and it is the investors
responsibility to ensure it meets this criteria. The Company cannot be held liable for accepting an investment from an
investor who transpires not to meet the sophisticated categorisation:
All prospective investors represent that they are a sophisticated investor and as such that they have substantial
tangible net assets, that they are not relying on an early redemption of subscribed funds and that they are
not dependent upon the proceeds of any sale of the subscribed shares, any dividends or profits thereof and
that they have sufficient income from other means to maintain their reasonable lifestyle without relying upon
any dividend income or sale proceeds from these shares. In addition each subscriber has taken appropriate
independent financial and legal advice. This investment is structured with long term growth in mind for
substantial gain, but by its very nature, there is a risk of partial or total loss.
As used herein, the term “net worth” means the excess of the total assets at fair market value, including home and
personal property, over total liabilities including mortgages and income taxes on unrealised appreciation of assets.
In addition to meeting these standards pertaining to the economic ability of the proposed investor to undertake the risks
inherent in the purchase of shares, each prospective investor also confirms that among other things, the investor has
either (i) a pre-existing business or personal relationship with the executive officers or directors of the Company, or (ii)
such knowledge and experience in financial and business matters that such investor is capable of evaluating the merits
and risks of an investment in the shares of the Company and of making an informed investment decision, or has retained
an attorney, accountant, or other financial or business advisor who is able on behalf of the investor to evaluate the merits
and risks of such an investment and to make an informed investment decision with respect thereto.
EACH PROSPECTIVE INVESTOR SHOULD REALISE THAT SATISFACTION OF THE FOREGOING MINIMUM
SUITABILITY STANDARDS DOES NOT NECESSARILY DETERMINE THAT AN INVESTMENT IN THE SHARES IS
APPROPRIATE FOR SUCH PERSON.
Each investor agrees that the shares are being acquired for investment and not with any intention of making a distribution
or resale of the shares and agrees to certain restrictions on future transferability of the shares. For these reasons, a
purchaser of shares must be willing and able to bear the economic risks of such an investment for an indefinite period
of time.
RISK FACTORS
The shares offered hereby are subject to risks inherent in development stage ventures and are speculative although
there are also tangible aspects to the business. A purchase of such shares involves a considerable degree of risk.
Before purchasing any shares, prospective investors should give careful consideration to the following risk factors, as
well as all of the other information set forth elsewhere in this Offering Memorandum.
Development Stage Company: The Company was incorporated as a Seychelles Corporation and as a group financing
company for businesses within the Quatro Group that are in stages of development. The Company is subject to all the
risks associated with the new and developing businesses that it lends to within the group. Any sister, subsidiary, group
or associated company that borrows funds or receives investment from the Company and defaults, goes into liquidation,
administration or any other form of insolvency would be likely to highly prejudice the Company.
Borrowing Group Companies: The purpose of the Company is to raise capital through sale of shares and then lend
and/or invest funds into its sister Quatro Group companies. If the Company or any of its borrower companies should
become insolvent this may result in a total loss to shareholders.
Sufficiency of Proceeds: Although this offering contemplates the sale of shares there is no assurance the Company

will receive the full subscription offered. The Company has no loans, mortgages, debentures or outstanding debts at the
date hereof, however should the Company need additional capital there is no assurance that additional funding will be
available on terms favorable to the Company.
Dependence on Continued Growth in use and Commercial Viability of the Internet: The Company’s future success
is to a degree dependent upon continued use of the Internet. To support this segment of the Company’s business plan
the Internet’s recent growth must continue, and public acceptance of e-commerce on the Internet must continue. None
of these can be assured. Additionally, due to the ability of consumers to easily compare prices of similar products or
services on competing web sites, gross margins for e-commerce transactions may narrow in the future and, accordingly,
the Company’s revenues from e-commerce arrangements may be materially negatively impacted.
Risks Associated with Brand Development: The Company believes that establishing and maintaining its brands is a
crucial aspect of its efforts to continue to expand and attract customers. Promotion and enhancement of the Company’s
brands will depend largely on the Company’s ability to provide consistently high-quality products and services, which
cannot be assured. There is also the risk that the public sector will not develop an interest in any or all of the Quatro
Group products throughout the course of time.
If organisations do not perceive the Company’s products and services to be of high quality, or if the Company introduces
new products and services or enters into new business ventures that are not favorably received by organisations, the
Company will be unsuccessful in promoting and maintaining one or more of its brands and will risk diluting its brands as
assets which may decrease the attractiveness of its products thus effecting the value of the business.
Dependence on the Internet: The use of the Company’s products and services will depend to a degree upon the
development by others of an infrastructure for providing Internet access and services. Because global commerce and
online exchange of information on the Internet and other similar open wide area networks are new and evolving, it is
difficult to predict with any certainty whether the Internet will prove to be a viable commercial marketplace in the longer
term.
RisksAssociated with PotentialAcquisitions and Investments: The Company may in the future pursue acquisitions
of companies, technologies or assets that complement the Company’s business. There can be no assurance that
the Company will be able to identify suitable acquisitions available for sale at reasonable prices, consummate any
acquisition or successfully integrate any acquired business into the Company’s operations. Acquisitions may result in
the potentially dilutive issuance of equity securities, the issuance of additional debt, the write-off of in-process research
and development or software acquisition and development costs and the amortisation of expenses related to goodwill
and other intangible assets, any of which could have a material adverse effect on the Company’s business, results of
operations and financial condition.
Technological Change and New Products: The market for e-banking based products and services is characterised by
rapidly changing technology, evolving industry standards, customer demands, and frequent new product introductions
and enhancements. The Company’s future success will depend in significant part on its ability to continually improve the
performance, features and reliability of the Company’s products and services in response to both evolving demands of
the marketplace and competitive product offerings, and there can be no assurance that the Company will be successful.
Liability for Information Retrieved or Received: Because material may be downloaded by the online or Internet
services operated or facilitated by the Company or the Internet access providers with which the Company has
relationships and be subsequently distributed to others, it is possible that claims will be made against the Company
on the basis of defamation, negligence, copyright or trademark infringement or other theories based on the nature and
content of such materials, including claims based on the Company providing access to obscene, lascivious or indecent
information. Although the Company may maintain general liability insurance, the Company’s insurance may not cover
potential claims of this type, or may not be adequate to indemnify the Company for all liability that may be incurred. Any
liability which is not covered by insurance or is in excess of insurance coverage could have a material adverse effect on
the Company’s business, results of operations or financial condition.
Independent Market Research: The Company has not conducted any independent market survey or research
study and therefore, management has no independent assurance that suitable opportunities or demand exist for the
Company’s present and planned products.
Uninsured Losses: Certain types of losses, policy limits, deductibles, coverage restrictions and pricing policies by
insurance firms which greatly limits coverage or dictate the loss to be either uninsurable or in the opinion of management
are not economically insurable. Should such an uninsurable type of disaster or other event occur and cause the
destruction of business equipment, property, market or operations, the Company and shareholders could lose both its
invested capital and anticipated profits.
Business Dependent on Key Officers: The business of the Company is dependent upon the active participation of

its key personnel. Loss of the services of key personnel could have a material, adverse effect on the development and
opportunity for success of the Company’s business. The Company has utilised the services of independent consultants
to provide essential services and as technical consultants and the Company intends to continue, as appropriate, utilising
consultants where necessary.
Conflicts of Interest: The Company’s directors and officers, in their individual capacities, are or may become officers,
directors controlling shareholders and/or partners of other entities involved in businesses similar to those in which the
Company proposes to engage or which may in the future have various transactions with the Company. Given the
potential participation with such other business entities and transactions, there exists the potential for conflicts of interest
including time, effort and corporate opportunity.
Financial Statements: Any pro forma financial information presented has been prepared by management of the
Company and has not been audited by independent chartered accountants, although the Company retains qualified
chartered accountants to assist in such preparations where required.
Limited Effectiveness of Copyright Protection: Content publication and distribution rights to Internet and audio and
video productions are provided certain protection under the copyright laws of many countries.
The Company intends to take appropriate and reasonable measures to secure and maintain protection of the property
and proprietary rights to all of its properties, but no assurance can be given that others will not infringe upon the
Company’s rights and the Company may not have sufficient resources to enforce or defend such rights. Should such
occur, the Company may suffer significant losses of revenue and other adverse effects on the Company.
Competition: Competition in the Internet and software product industries can be intense. Given this intense competition
the Company has developed a unique business plan, which targets a selective and potentially high growth market
associated with e-banking system creation and management, and the online payment and money transfer industries
along with prepaid and debit card systems. The Company is a development stage company with limited business
operations and faces intense competition from major companies, and many other established organisations with far
greater financial resources. These companies compete to obtain properties, financing and market acceptance. Most
of these companies have greater access to properties, talent, production and distribution facilities than the Company.
Copyright Protection: Software and courseware, publication and distribution rights are granted legal protection under
the copyright laws of many countries, which provide substantial civil and criminal sanctions for unauthorised duplication
and exhibition. The Company’s software products and Internet services are all subject to copyright laws.
The Company plans, whenever possible, to secure and maintain protection for the property rights to all of its properties
under the laws of applicable jurisdictions. The Company intends to utilise the traditional safeguards employed in the
industry to protect its creative properties. No assurance can be given, however, that others will not infringe upon the
Company’s property rights in which event the Company may not have sufficient resources to enforce or defend its rights.
Illegal copying and other forms of infringement are rampant, especially in foreign countries and on the Internet. The
continued failure of regulatory agencies to enforce copyright laws could have an adverse impact on the Company.
EmployeesandConsultants:TheCompanyhasbeensuccessfulinitseffortstorecruitqualifiedemployeesandanticipates
sufficient qualified employees and/or consultants will be available to fulfil the future staffing needs of the Company. None of
the Company’s present employees are subject to collective bargaining agreements.
Dividends Paid: The Company intends to pay dividends. The payment by the Company of dividends, in either cash
or stock, rest within the discretion of its Board of Directors. Investors who anticipate the need of either immediate or
future income by way of dividends from their investment should refrain from the purchase of the shares offered hereby.
Offering Price and Dilution: The offering price of the shares has been determined arbitrarily by the Company with no
established criteria of value but based upon the initial capital raising model. Following monthly valuation of the shares,
the share price shall be calculated by the management and declared based upon the management’s view of the value
of a share on that date. Whilst this will not be subject to external audit, the management may seek from time to time
such an audit by a third party to ensure that to the best of the managements ability a true and fair view of the share price
is being declared. There is no direct relationship between the offering price and the assets, book value, shareholder’s
equity or any other recognised criterion of value at the date hereof. The present shareholding of the Company is by way
of Class A voting Shares and the shareholder is Quatro Group International Limited. No Class B non-voting shares sub
class A which are the subject of this offering have been sold at the date hereof. The Class A voting Shares have been
issued at face value GBP £1,000,000.00 to Quatro Group International Limited.
No Public Market or Market Maker: There is no public market for the Company’s shares and there can be no
assurance that such a market will develop. It will be difficult and maybe impossible for investors to resell the common
shares offered hereby. The Company has no agreement with anyone to act as an underwriter or market maker for the

Company’s securities. If the Company should become a public company the underwriter(s) and/or market makers will
likely require the existing shareholders to be restricted from selling their shares for a defined period of time following the
public offering. However, the Company anticipates that investors will be able to realise their shares in a variety of ways
which is explained in the ”TERMS OF THE OFFERING, VALUATION, REDEMPTION AND DEALING” section within this
Offering Memorandum.
Regulation: No regulatory authority has reviewed the terms of this offering, including the nature and amounts of
compensation, the disclosure of risks, and the fairness of the terms of the offering. All of the shares offered hereby are
restricted securities and the share certificates will bear legends to that effect. Prospective investors do not necessarily
have any of the protections afforded by security laws as may be provided by registered and/or qualified offerings in
certain jurisdictions and must judge the adequacy of disclosures of the amounts of compensation and the fairness of the
terms of this offering without the benefit of prior review by any regulatory authority.
Potential Sale of Shares: The 50,000,000 shares of the Company’s Class B non-voting shares sub class A to be
issued in this offering all are “restricted securities”. In other words there is no open market in existence at the date hereof
to dispose of the shares. Disposal of shares at the date hereof is subject to certain conditions and methods which are
laid out in the “TERMS OF THE OFFERING, VALUATION, REDEMPTION AND DEALING” section within this Offering
Memorandum.
The Board of Directors has total discretion in the issuance and the determination of rights and privileges of any shares,
preferred, common, non-voting, loan or otherwise which may be issued in the future. The issuance of additional shares
and the sale of such shares may adversely affect existing holders of Class B non-voting shares sub class A.
Sophisticated Investor: All prospective investors represent that they are sophisticated investors and as such that they
have substantial tangible net assets, that they are not relying on an early redemption of subscribed funds and that they
are not dependent upon the proceeds of any sale of the subscribed shares, any dividends or profits thereof and that they
have sufficient income from other means to maintain their reasonable lifestyle without relying upon any dividend income
or sale proceeds from these shares. In addition each subscriber has taken appropriate independent financial and legal
advice. This investment is structured with long term growth in mind for substantial gain, but, by its very nature there is
a risk of partial or total loss.
USE OF PROCEEDS
The net proceeds of the maximum offering, GBP £20,000,000.00, will be applied over the next twelve months principally
as follows. The net cash proceeds are net of fees, costs and expenditures relating to the offering. The amounts set
forth are estimates only and the Company and the companies to which it provides funds shall be at liberty to utilise the
subscribed funds as appropriate:
Capital Equipment
Land and Buildings
Systems Development
Operations
Marketing & Sales
Capital Reserves
Total
£4,000,000
£4,000,000
£4,000,000
£2,000,000
£2,000,000
£4,000,000
£ 20,000,000

DESCRIPTION OF CAPITAL STOCK
The company’s authorised share capital at the date hereof, the 20th February 2009 is 10,000,000,000 Class B non-
voting Shares of £0.0001 par value each and 1,000 Class A voting Shares of £1,000.00 each.
In relation to the Class B non-voting Shares there is no pre-emptive, subscription, or conversion rights, redemption
privileges or sinking fund provisions. The shares have equal rights on liquidation. Dividends may be paid as and
when declared by the directors out of funds legally available, although dividends have not been declared or paid by the
Company since inception. All of the outstanding shares are, and the shares offered hereby will be upon issuance, fully
paid and non-assessable.
The current shareholders of the Company, namely Quatro Group International have acquired all of the Class A voting
Shares being 1,000 shares at £1,000.00 each. Accordingly, even if all of the 50,000,000 Class B non-voting shares sub
class A offered hereby are sold, the Company’s Class A shareholders will control the voting of the Company.
The Board of Directors has the authority to issue preferred stock and to determine the rights, preferences, privileges
and restrictions, including the dividend rights, voting rights, terms of redemption (including sinking fund provisions),
liquidation preferences and the number of shares constituting any series and the designation thereof, without any further
vote or action by the Class A Shareholders. No shares of preferred stock have been issued and the Company has no
present plans to issue any shares of preferred stock. The proposed transfer agent and registrar for the shares of the
Company is Saphrau Inc at the date hereof, which is subject to change or variation at any time by the Company.
The offering price of the shares being offered hereby has been determined arbitrarily by the Company. There is currently
no public market for the shares of the Company, nor is there any assurance a market will develop following the offering.
In determining the prices and the number of shares to be offered, the Company considered such matters as the number
of shares authorised, the dilution to the new investors in this offering, the financial condition of the Company, the
Company’s management, and its perceived acceptance in the market. Accordingly, the offering price should not be
considered an indication of the actual value of the Company or of its securities at the date hereof. All subscriptions
accepted by the Company may be used immediately.
MANAGEMENT
The term of office of each Director is one year subject to re-election or until a successor is appointed at the Company’s
annual meeting. Each officer is appointed by the Board of Directors and serves at the discretion of the Board.
The Company believes it has been successful in its efforts to recruit qualified employees and consultants. None of the
Company’s present employees are subject to collective bargaining agreements.
Executive Management: Mr. Asle G Frydenlund, Managing Director, aged 54
Education: Electronic Engineering and Industrial Process Technology
Mr. Uno Karlsson, Operational Services, aged 55
Education: Electronics
PRINCIPAL SHAREHOLDERS
The following table sets forth the ownership information as of February 20th 2009 with respect to all shareholders known
by the Company.
Class A voting Shares 1,000 authorised. 1,000 issued to Quatro Group International Limited.
Class B non-voting Shares 10,000,000,000 authorised. None issued.

DESCRIPTION OF THE OFFERING
The Company is hereby offering up to 50,000,000 shares of its Class B non-voting shares sub class A common stock at a
price of £0.40 per share. Each prospective investor must subscribe to purchase a minimum of £400.00 worth of shares
at the prevailing share price.
The Company retains the right to determine, in its sole discretion, to whom offers of the shares will be made and the number
of shares which any prospective investor will be entitled to purchase. The Company will not be obligated to obtain or accept
subscriptions for all or any portion of the shares being offered hereby and reserves the right to reject any subscription in
whole or in part.
Tendered subscriptions must be received by 5:00 p.m. GMT on the closing date for any respective tranche being as follows:
1st Offering
2nd Offering
3rd Offering
4th Offering
5th Offering
6th Offering
7th Offering
8th Offering
Unlimited offering from 20/02/09 to a maximum of 20/03/09 @ £0.40 per share, closing
date and volume at management discretion.
01/04/09: Closing at £2,000.000.00 or by 20/04/09
01/05/09: Closing at £2,000,000.00 or by 24/05/09
01/06/09: Closing at £2,000.000.00 or by 22/06/09
01/07/09: Closing at £2,000,000.00 or by 26/07/09
01/08/09: Closing at £2,000.000.00 or by 24/08/09
01/09/09: Closing at £2,000,000.00 or by 21/09/09
01/10/09: Closing at £2,000.000.00 or by 25/10/09
01/11/09: Closing at £2,000,000.00 or by 27/11/09
Unless terminated earlier or extended by the Company as described below. The Company reserves the right to terminate
the offering for any reason at any time. The Company also reserves the right to extend the offering. Extension of the offering
period may be made without notice and will not affect subscriptions already received.
Sales of the shares being offered hereby will be made directly to prospective investors who meet the suitability standards by
the executive officers and directors of the Company.
The offer will be on a “best efforts” basis with respect to all of the shares. Certain parties acting as independent
contractors may receive compensation associated with advising and supporting the Company in presenting this
investment opportunity.
There can be no assurance that any or all of the shares being offered will be sold. Subscriptions may not be withdrawn
once made. Because this is a “best efforts only” offering with no minimum required to be sold, the proceeds may be
released to the Company upon receipt thereof, whilst the offering continues for the remaining unsold shares.

Method of Subscription
Applications for the purchase of the shares can be made by completing, signing and returning to the Company or the
Administration and TransferAgent a copy of the SubscriptionAgreement in the form attached to this Offering Memorandum,
together with copies of identification, the requirements for which are laid out in the Subscription Agreement. A subscription
will only be deemed to have been received when the Subscription Agreement, identification of the subscriber and the
subscription funds have been received by the Company or theAdministration and TransferAgent.
Subscribed funds MUST be remitted to the bank co-ordinates as listed in the SubscriptionAgreement.
Upon delivery to the Company, or the Administration and Transfer Agent an executed Subscription Agreement will be
irrevocable and binding upon the prospective purchaser, but the Company in its sole discretion, may accept or reject the
subscription of such person in whole or in part.
The Administration and Transfer Agent (Saphrau Inc at the date hereof), will notify the subscriber once the Subscription
Agreement, identification and funds have been received, within one business day.
Subscriptions shall be administered and share certificates issued on the last working day of each week during the entire
offering period at the then prevailing share price.
Subscriptions received after 11.00 a.m. on the last working day of any week shall be deemed to have been received in the
following week.
Subscribers may email scanned copies of the SubscriptionAgreement and identification to:
Or may fax them to:
+(*00) 1866 634 1028
Or may mail/courier them to:
BPM 45062
L-5365 Munsbach
Luxemburg
Restrictions on Transfer
Because the shares of the Company will be issued and sold without registration or qualification under any securities
act, the transferability of the shares of the Company will be restricted. No shares of the Company may subsequently be
sold, transferred or otherwise disposed of unless approved and registered by the Company. Such approval will not be
unreasonably withheld. Evidence of such a transfer shall be by way of a variation certificate issued by the Company stating
the former and new owner of the shares along with the consideration paid for such a transfer or sale if any. The Company is
permitted to levy a charge for any such transfer of up to 1% of the sale value, the share value or consideration paid as the
Company sees fit or £250.00 whichever is the greater.

TERMS OF THE OFFERING, VALUATION, REDEMPTION AND DEALING
The Company and the Offering
Quatro Finance Limited is the subject company of this offering and is the issuer of all shares.
The only shares available as the subject of this offering are 50,000,000 sub classAshares of the authorised 10,000,000,000
Class B non-voting Shares.
OnlyQuatroFinanceLimitedandnoothercompany,affiliateorindividualassociatedwithorapartoftheQuatroInternational
Group has any direct responsibility or obligation to any subscriber.
The Company has appointed an agent “Saphrau Inc” registered in the Seychelles to act as Administration and Transfer
Agent for all subscriptions received and for the issuing, cancelling, amending, transferring and recoding of all shares issued
for all subscribers. Saphrau Inc is an independent company and no liability or responsibility can be attached to Saphrau Inc
for the performance of any investment in the Company whatsoever.
The Share Capital and Premium
Each share on offer being a Class B non-voting Share in the Company has a par value of £0.0001. Therefore for every
share subscribed for £0.0001 will be added to the Company’s capital and the balance value paid shall be treated as a share
premium.
The initial share price is £0.40 per share, and £0.0001 shall be treated as share capital fully paid and £0.3999 shall be
treated by the Company as share premium.
The Share Price and Pricing
The initial price of a Class B non-voting share sub class A at the date of this offering is £0.40 each, but it is anticipated that
this price may change over time.
The price of a share will be reviewed during the final week of each calendar month by the management of the Company. If
the management consider that the share price should be adjusted either upwards or downwards this will vary the price at
which shares can be subsequently be acquired in the following month.
Once shares have been valued or re-valued during the last week of each month, the new share price will become effective
from the first working day of the next calendar month.
This pricing or valuation of shares will continue month on month without any predetermined end date. This method and
timing of share valuation and pricing is subject to change by the management at any time and subscribers will be duly
notified within 30 days of any such change.
The management may at any time elect a third party organisation to carry out this duty or to verify management’s view of the
price or value of shares to maintain a true and fair view.
Any such review may be made available to subscribers or potential subscribers at any time by the Company.
The present share price at any time may be obtained from the Company or the Administration and Transfer Agent on
standard business days during normal business hours.
Dealing
Thesubscription,transferorredemptionofsharesshalltakeplaceweeklyonthelastworkingdayoftheweek.Inthisrespect
any subscription that may be received during the course of a week, will be notified as received within one business day to
the subscriber as will any redemption or transfer request. However, such subscriptions, redemptions or transfers shall be
effected on the last working day of the week.
Any share certificate issued, therefore, shall be with effect from the dealing date not the day the subscription was received.
The same dating policy applies also to transfers and redemptions.
The first dealing date of this offering is Friday 20th February 2009.
The final dealing date of this offering unless varied is November 30th.

Minimum and Maximum Subscriptions
The minimum permitted subscription under this offering is £400.00.
There is no maximum except the limit of the offering as a whole.
Subscribers who wish to invest more than is available in an existing offering tranche will be given the option to take shares
in the next available tranche at the share price on the date of the initial subscription.
Subscribers are permitted to purchase shares in any tranche at any time up to the closing date of that tranche except where
such a tranche is already fully subscribed or when the subscriber does not hold at least the same number of shares being
subscribed for in the current tranche.
In other words, a subscriber cannot buy shares in a future tranche if he does not hold at least the same proposed number in
the current tranche, except where the current tranche is closed or fully subscribed.
Bankers and Auditors
The Company has appointed Saphrau Inc to administer subscriptions, redemptions and transfers.
All funds to be remitted for subscription at the date hereof are to be sent to Barclays Bank (Seychelles) Limited for the
account of Saphrau Inc, full details of which are contained in the SubscriptionAgreement.
The Company will be subjected voluntarily to an annual audit by Chartered Accountants at the Company’s designated
financial year end being the 30th November 2009 and annually thereafter. The Company is at liberty if it chooses to disclose
the result of this audit as it sees fit.
Any such disclosure that infers either a positive or negative position is not to suggest that any risks or benefits as stated
in this Offering Memorandum have changed. A strong or positive audit is not a variation of the risks associated with this
investment as laid down in this offering.
The auditors anticipated to conduct the annual audit of the Company areTurner Warren, CharteredAccountants, though this
may vary subject to the complexity or scope of the said audit.
Regulation - Unregulated
The offering of the shares in the Company is unregulated. This means that no government authority supervises the issue,
transfer or redemption of the shares in this offering. No review by any authority has taken place of the offering and no
ongoing supervision of the offering exists.
Because this is an unregulated offering of unlisted shares, this offering is private and restricted to Quatro members and to
close business associates only of the Quatro Group International. No public subscriptions beyond this scope are permitted.
In addition because this is an unregulated offering, all subscribers must subscribe a minimum of £400.00 and must be
sophisticated investors as defined within this Offering Memorandum.
Offer Period
This offer begins on February 20th 2009 and ends on November 23rd 2009.
The offer consists of 9 tranche dates as follows
1st Offering
2nd Offering
3rd Offering
4th Offering
Unlimited offering from 20/02/09 to a maximum of 20/03/09 @ £0.40 per share, closing
date and volume at management discretion.
01/04/09: Closing at £2,000.000.00 or by 20/04/09
01/05/09: Closing at £2,000,000.00 or by 24/05/09
01/06/09: Closing at £2,000.000.00 or by 22/06/09
01/07/09: Closing at £2,000,000.00 or by 26/07/09

5th Offering
6th Offering
7th Offering
8th Offering
01/08/09: Closing at £2,000.000.00 or by 24/08/09
01/09/09: Closing at £2,000,000.00 or by 21/09/09
01/10/09: Closing at £2,000.000.00 or by 25/10/09
01/11/09: Closing at £2,000,000.00 or by 27/11/09
Dealing Deadlines
Subscriptions, redemption requests or transfer requests in order to be accepted within a given dealing week must be
received in full by 11.00 a.m. GMTon the final working day of that week.After this time any of these activities will be deemed
to have been received in the following week.
Any subscription, redemptions or transfers that are received between any closing date of a current tranche and start date of
a new tranche shall be deemed to have been received during the first week of the new tranche.
No dealing will take place during the last week of any month pending a valuation.
Minimum Subscription Term
All shares subscribed for must be held for a minimum of 180 days.
No shares irrespective of when purchased may be redeemed, transferred or sold prior to 7th December 2009.
If the Company is willing to approve a redemption in whole or in part of shares back to the Company, 45 days notice must be
given by the subscriber. The shares will be redeemed on the nearest following dealing day. This notice period is concurrent
with the 180 days minimum holding rule.
Redemption
Redemption of shares by the Company is at the Company’s discretion. The Company may allow a direct redemption in
whole or in part if the Company has sufficient cash reserve to do so or it does not effect the Company’s ability to trade
effectively. The Company will not unreasonably refuse a redemption if it is able to do so.
If a redemption is refused on a given date it does not mean that the Company will not re-consider the redemption request
in whole or in part at a future date.
The Company is at liberty to suspend pending or approved redemptions indefinitely if the Company considers itself to be
unable to execute the redemption in the best interests of the business for any reason.
All redemption requests are subject to the Minimum Term Subscription Rules above.
Any redemption by the Company whether in whole or in part will be at the then prevailing price per share as laid down by
the Company.
Redemption requests must be made to the Administration and Transfer Agent by completing the redemption request form
at the end of this Offering Memorandum and delivering it by the various methods outlined; by email, fax, post or courier.
Telephone redemption requests are not permitted.
The Company will confirm or refuse a redemption request within 21 days of it being received by the Administration and
Transfer Agent. If the redemption is denied in whole or in part, a reason will be given and a future date offered absolutely
(subject to the terms within this Offering Memorandum) or a future date suggested to re-apply for a redemption.
Compulsory Redemption
The Company reserves the right to compulsorily redeem any subscribers’ shares of any class, style or type especially the
Class B non-voting shares sub class A being the subject of this offering at any time for any reason without notice to the
subscriber at the then prevailing share price. However, where possible, the Company will give 30 days notice and reasoning.

Transfer of Shares
The transfer of shares from one subscriber to another is permitted, however any such transfer must be approved by the
Company and theAdministration and TransferAgent.
To apply for such a transfer, the subscriber should contact theAdministration and TransferAgent directly.
No transfer will be unreasonably refused, subject to satisfactory due diligence on the transferee.
Afee may be charged by theAdministration and TransferAgent for this service of up to 1% of the share price for the shares
being transferred or £250.00 whichever is the greater
Further details of share transfer rules and fees are listed elsewhere within this Offering Memorandum.
Transfers do not require notice but shall be effected on the nearest dealing day following satisfaction of the requirements to
make the transfer by theAdministration and TransferAgent.
Taxation
There are no share sales taxes or transfer duties levied by the Company or the Seychelles authorities.Any taxation liabilities
incurred by a subscriber are for the subscriber’s own account. The Company shall in no way be liable for any tax liabilities
accrued by a subscriber.
Transfer or Sale of Shares within the Quatro Network
It is the intention of the Quatro Group International to create an open internal market for members to trade their shares in the
Company along with a variety of other Quatro commodities.
This trading platform will allow subscribers to buy, sell, transfer and exchange shares freely amongst members at the then
prevailing share prices.
This form of share trading shall take effect without notice requirements and in all cases any effected share trade shall be
recorded and approved on the next dealing day following the trade agreement between the respective Quatro members.
This system falls outside the scope of this Offering Memorandum in terms of reliability or functionality,At the date hereof the
system does not exist as shares can not be sold or redeemed until December 7th 2009.
The Company has no responsibility for this system and does not guarantee its performance or its likelihood of initiation.
However, as more information comes to light over the next eight months the Company may make further statements as to
its suitability and any guarantees or undertakings that the Company is prepared to give.
Dividend
The Company will not be paying any dividend to Class B non-voting Share holders in 2009.
The first dividend assessment shall be on the 31st May 2010 and then again on November 30th 2010, then on these dates or
nearest following working days annually thereafter.
In each case, the Company may not declare a dividend at all.
In each case, the Company may declare a dividend in shares only or part shares and part cash.
In each case, the Company may declare a cash only dividend.
In each case, such declarations shall take place within 30 days of the above dates and any payments to be made to
subscribers within 30 days thereafter. Payments of dividend shall be made by electronic wire transfer to the last known bank
co-ordinates of the subscriber or to the subscriber’s Quatro e-bank account if one is held by the subscriber.

Notices
Subscribers may communicate with either the Company or theAdministration andTransferAgent. However for subscription,
transfer and redemption purposes all communications and delivery of documents are advised to be directed to the
Administration and TransferAgent.
Notices of any type may be delivered by email, fax or mail/courier. Due to the time delays involved in post and couriers to
and from the Seychelles a nominated address has been provided below to send all post and couriers.
Any mail or courier sent to the Seychelles in error may take up to one month to be attended to in addition to any other notice
times or period and should be avoided.
Notices for the attention of Quatro Finance Limited or the Administration and Transfer Agent should be posted or couriered
to:
BPM 45062
L-5365 Munsbach
Luxemburg
where they will be forwarded quickly to the appropriate office or centre.
Electronic mail or fax are recommended for any type of notices, details are as follows:
For Saphrau Inc:
For Qautro Finance Limited:
and Saphrau Inc fax:
telephone:
sales@quatrofinancemembers.com
+(*00) 1866 634 1028
+46 1339 00444
Saphrau Inc telephone: +(*00) 1866 634 1021

ADDITIONAL INFORMATION
Lending features:
Quatro membership:
Forward Subscriptions:
The Company may advance funds on a short term loan basis to subscribers against
a pledge of shares, up to the face value of the shares at the Company’s absolute
discretion and in an amount and on terms also at the Company’s absolute discretion.
The Company is under no obligation to advance funds at any time unless it chooses to
do so.
Any subscriber is automatically entered as a Quatro member if not already a member.
Subscribers may purchase shares in any current offering or future offering at the share
price on the day of subscription. However, subscribers may only purchase shares in
future dated offerings to a value not exceeding the number of shares they hold in the
current offering unless the current offering is fully subscribed in which case there are
no limitations.
The Company is unaware of any litigation pending, any unsatisfied judgments against it or any proceedings to which
the Company is a party. The Company knows of no legal action pending, threatened or judgments entered against any
officers or directors of the Company in their capacity as such.
Prospective investors and their professional advisors are invited to review any materials available to the Company and
relating to it the Company’s products and plan of operations, its management and financial condition, this offering, and
any other matter relating to this offering.
The Company will afford prospective investors and their professional advisors the opportunity to ask questions of, and
receive answers from, the officers of the Company concerning such matters and to obtain any additional information
(to the extent the Company possesses such information or can acquire it without unreasonable expense) necessary to
verify the accuracy of any information set forth in the Offering Memorandum. All such information and materials will be
made available at a mutually convenient location at any hour after reasonable prior notice.
Any unaudited pro forma financial information provided by the Company does not purport to present the actual financial
position or results of operations of Quatro Finance Limited had the transactions and events assumed therein in fact
occurred on the dates specified, nor are they necessarily indicative of the results of operations that may be achieved in
the future.
Any unaudited pro forma financial information is based on certain assumptions and adjustments described in the notes
to the unaudited pro forma financial information and should be read in conjunction therewith. Any unaudited pro forma
financial information included in this Offering Memorandum has been prepared by the management of the Company.
This Offering Memorandum sets forth or incorporates by reference forward-looking statements. Discussions containing
such forward-looking statements may be found in the material set forth under “Business” in this Offering Memorandum,
as well as within other sections of this Offering Memorandum generally. In addition, when used in this Offering
Memorandum, the words “believes,” “anticipates,” “expects” and similar expressions are intended to identify forward-
looking statements. Such statements are subject to a number of risks and uncertainties.
Actual results in the future could differ materially from those described in the forward-looking statements as a result
of the risk factors set forth above and the matters set forth or incorporated by reference in this Offering Memorandum
generally. The Company undertakes no obligation to publicly release the result of any revisions to these forward-looking
statements that may be made to reflect any future events or circumstances. The Company cautions any prospective
subscriber, however, that this list of risk factors may not be exhaustive.
This prospectus and Offering Memorandum has been prepared by and for the directors of the Company and to the best
of their knowledge all information as laid out is correct at the date hereof. The directors accept responsibility for the
information as laid out herein but do not accept any responsibility for any perceived omissions.
The directors do not accept any responsibility personally for any losses that any subscriber may accrue as result of
subscribing for the purchase of shares in the Company or for any losses on sale of the same if at all.
Neither the Company nor the directors accept any responsibility for any form of consequential loss actual or perceived
by any subscriber or potential subscriber as a result of subscribing or not subscribing for shares in the Company.

REDEMPTION FORM
To make a redemption request this form should be completed as fully as possible and should be forwarded directly to
the Administration and Transfer Agent by fax, email or post/courier to:
BPM45062,34Parcd’ActiviteSyrdall,L-5365Munsbach,Luxemburgorbyemailto:register@quatrofinancemembers.
com or by fax
to: +(*00) 1866 634 1028
Number of shares to redeem: __________________ Current share price: _______________
(If known)
Total value of redemption request: _____________________________________________
Name of shareholder: __________________________________________________________
Series numbers of share to redeem: _____________________________________________
Telephone number:
Fax number:
Email:
__________________________________________________________
__________________________________________________________
__________________________________________________________
Requested Redemption Date:
Date of Request (today’s date):
_____________________________________________
_____________________________________________
Redemption proceeds may only be remitted to accounts in the name of the subscriber/shareholder. If you have not
previously supplied your bank details to the Company when you made your initial subscription please do so below.
Bank Details of shareholder:
_______________________________________________________________________________________
_______________________________________________________________________________________
_______________________________________________________________________________________
(Please include SWIFT code, account name, account number, bank name and country of bank).
Signature of shareholder:_______________________________________________________
page 44Quatro Finance Limited. Offering Memorandum Confidential

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