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Kounnis Financial Group

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HOMEINSURANCE POLICY

home insuranceInsuforce


home insuranceinsuforce

insurance services

Sterling Property Consultants

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. .Business Centre

Sterling


Minerva Realty Corporation

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Contents

Introduction (I) Kounnis Financial Group

Management (I) Group Officers

Activities (I) Audit, Accountancy, Taxation

(II) General Insurance Broking

(III) Property Consultancy

(IV) Property Investment

(V) Foreign Currency Exchange

(VI) Business Centre


Introduction

Kounnis Financial Group (KFG) is a dynamic multi-disciplined group of companies, providing a wide range of services such as:

● Auditing and Accounts preparation ● Corporation and Personal Tax ● Management Consultancy ● General Insurance Broking ● Property Consultancy ● Property Management ● Foreign Currency Exchange ● Business Centre

The directors have experience in not only carrying out the different activities of the member companies of KFG but also establishing running and restructuring companies with multi million pounds assets taking into account prevailing economic and taxation conditions.

Our emphasis in our conduct of business revolves around our five core values:

● Honesty ● Integrity ● Reliability ● Commitment to Excellence ● Professionalism

For over 50 years we have positioned ourselves to provide our clients and customers with exceptional professional, swift, constructive and practical business advice to assist them in developing their businesses. We place great emphasis in building long-standing and mutually beneficial relationships with our clients.

Management

Group Officers

Demetrios (Jim) K Kounnis (UK resident, Chairman).Mr Kounnis is a multi talented pioneer and a bold thinker. He was born in Cyprus in 1939 and immigrated to the UK in 1958 to further his education. In 1962 he founded the Audit and Accountancy firm D K Kounnis & Co which was subsequently incorporated into the London based Audit and Accountancy firm Kounnis And Partners Limited. He is currently the Chairman of Kounnis And Partners Limited and of several other companies with activities ranging from Audit and Accountancy, General Insurance Broking, Foreign Currency Exchange and Realty. Over the years he has built up multi million pound property companies which are still under his control and chairmanship. This is mainly UK Commercial,

Semi-Commercial and residential properties. Over the last 50 years there isn’t much he has not seen or done in the UK Property sector. Amongst his property collection is the National Sea Life Centre in Birmingham (a 44,500 Sq Ft commercial property and of well known presence in the area and nationally). Mr Kounnis is cousins to the directors Andreas Y Kounnis and Antony M Kounnis.

Costas A Joannou (UK resident, Vice Chairman).Costas was born in 1956 in Cyprus and in 1977 he came to London to further his education. He holds a BSc (hons) in Management Science from the London School of Economics, an MSc in Accounting from the University of South Wales and he is also a Fellow Member of the Association of Chartered Certified Accountants. He commenced his career in the City of London in Commercial Banking and specialising in Shipping Finance. Subsequently he was appointed as the Chief Internal Auditor of the Commercial Bank of London Plc (now Alpha Bank London Ltd), a company which at the time was listed on the London Stock Exchange. In 1989 he joined the Audit and Accountancy firm D K Kounnis & Co and in 1991 he became a partner. D K Kounnis & Co was subsequently incorporated into Kounnis And Partners Limited. Costas is currently the Vice-Chairman of this company and he is responsible for a substantial portfolio of clients including multi-billion pound groups spread all over the world. He specialises in Auditing, Accountancy and International Tax Planning. He was also a member of The Baltic Exchange for many years, a British Maritime Institution with a history of almost 300 years. Costas is also the Founder, Chairman and Chief Executive Officer of CAJ Group (www.cajgroup.com), a multi-million pound Private Equity Group with a well diversified portfolio both in the UK and abroad. He is a member of the Board of Directors of several companies ranging from Audit and Accountancy, Realty, General Insurance broking, Shipping and Foreign Currency Exchange. He has a huge network of contacts all over the world and in various sectors and he has travelled extensively to many parts of the world to carry out feasibility studies and to assist his clients.

Andreas C Stylianou (UK resident, Director).Andreas was born in Cyprus in 1950 and immigrated to the UK in 1969 to further his education. He successfully completed a business studies course in 1972 and was awarded with the Higher National Diploma in Business Studies. He qualified as a Chartered Accountant in 1980 and joined the Audit and Accountancy firm D K Kounnis & Co in 1982 where he became a partner in 1983. D K Kounnis & Co was subsequently incorporated as Kounnis And Partners Limited and Andreas is a member of the Board of Directors. He has wide experience in all aspects of general accountancy practice and specialises in all property related matters in connection with direct and indirect taxation. He is also advising a large portfolio of clients both in

the UK and overseas. He has contributed to the establishment of multi million pound real estate entities.

Andrew Y Kounnis (UK resident, Director).Andreas was born in London in 1978. He graduated with a BA (hons) degree in Accounting & Finance from the University of East London in 1999. At the age of 22 he qualified as a Chartered Certified Accountant and he spent the following three years with a London based firm of Accountants and Auditors. In 2005 Andreas was appointed as the Chief Finance Officer of the General Insurance Broking Group Kounnis Insuforce Ltd as well as to the board of the London based Audit and Accountancy firm Kounnis And Partners Limited. From a very young age Andreas has had exposure to both residential and commercial property investments through his family property investment company. He acquired his first property investment just after graduating at the young age of 21 and he has continued to expand upon that investment to enlarge and manage his own property portfolio. Andreas has vast experience in Property Investment, Audit and Accountancy, International Tax Planning, Finance, General Insurance Broking and Foreign Currency Exchange. He has travelled widely to carry out feasibility studies and to assist his clients. He has clients whose businesses operate in different parts of the world and are involved in all kinds of industries and sectors ranging from Property, Oil Trading and Construction and many others. Andreas is cousins to the Chairman Jim K Kounnis and director Antony M Kounnis.

Antony M Kounnis (UK resident, Director).Antony was born in London in 1973. After completing his studies at The University of East London, he joined Cyprus Airways Limited in 1996 as an internal accountant in their Central London offices. In 1997 he joined a London based firm of Accountants and Auditors where he commenced his professional career. He qualified as a Chartered Certified Accountant in 1998. Antony joined the London based Audit and Accountancy firm, Kounnis And Partners Limited, in July 2002 and in April 2005 he was admitted to the Board of Directors of Kounnis And Partners Limited and Kounnis Insuforce Ltd, a London based general insurance broking company. He currently specialises in Accounting and Taxation matters with

an emphasis on Property Investment and Property Management companies. He also has experience in Foreign Currency Exchange and General Insurance Broking and is active in his UK based family property business which comprises of managing commercial, mixed use and residential property investments. He is a director of various companies which cater for the above activities as well as the Chairman of a UK based property investment company that he operates with his family. Antony is cousins to the Chairman Jim K Kounnis and director Andrew M Kounnis.

ACTIVITIESAudit, Accountancy, Taxation and Management Consultancy

Audit, Accountancy, Taxation and Management Consultancy are carried out by Kounnis And Partners, a company regulated by the Association of Chartered Certified Accountants.

At Kounnis And Partners we provide cost-effective, high value solutions to meet all of your financial needs. We work hard to get to know you in order to deliver timely and individually suitable professional advice on how to improve your business and personal wealth.

We have a long history of involvement with family businesses and our tradition has always been one of excellence and commitment to high standards and quality service.

Our objective is to service our clients’ needs in the most cost-effective and efficient manner by retaining a high level of expertise and providing a wide range of services. Training, regular control reviews, frequent contact and meetings ensure a consistent high standard of work.

As part of our client care program, each of our clients is assigned a lead director and also a support director so that in the absence of one, the other is still on hand to give timely advice.

AuditKounnis And Partners engages in carrying out audit work for clients that includes;

● Solicitors ● Actors and TV Presenters ● FCA regulated companies ● Property Investment ● Construction Industry ● Airlines ● Leisure ● Farmers ● Manufacturing ● Charities ● Retail ● Trusts ● Importers/Exporters

AccountancyKounnis And Partners provide the manpower, knowledge and experience to supplement the needs of small to medium and large size businesses. Our directors have a commitment to providing practical advice without the use of complex technical jargon in the following areas:

● Accounts Preparation ● Preparation of Management Accounts ● General Book-keeping services ● Preparation of VAT Returns ● Company Secretarial services

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TaxationWe have an in-house team specialising in all tax matters that provides:

● Corporate, Personal and Indirect tax services ● Corporate and Personal tax Consultancy ● Inheritance Tax and Estate planning ● Payroll services ● Retirement Strategies ● Self Assessment

Management ConsultancyManaging Personal and Corporate finances can be complex and our directors possess the knowledge and necessary experience and understand that all of our clients have different goals. They work with clients to maximize their wealth, handle their personal finances, ensure financial security, identify and solve their problems in areas such as:

● General management ● Internal audit ● Compliance and Operational Reviews ● Business Advice ● Wealth Management ● Corporate Finance ● Corporate Governance

We live in a dynamic business environment where change is constant; a business needs to develop and maintain a strategy with clearly identifiable objectives; a clear vision of who they are, what they stand for, where they are going and how they are going to get there. In simple terms a business should be able to think strategy, plan strategy, live strategy and implement strategy in every area of its activities.Our company can provide services in connection with:

● Finance raising, acquisition and disposals ● Profit forecasts and cash flow projections ● Corporate reconstructions and re-organizations ● IT systems and staff recruitment ● Preparation of payroll and all related PAYE matters

Always Remember: “It’s not what you earn, it’s what you keep that counts”



home insuranceinsuforce

insurance services

General Insurance BrokingOur general insurance broking activities are carried out by Kounnis Insuforce Ltd which is authorised by the (FCA) Financial Conduct Authority to carry out insurance contracts and insurance mediation under licence number 304831.

The different brand divisions of the company group are as follows:-

Kounnis InsuforceThis division specialises in commercial properties in any size within the UK. Further information can be obtained by visiting www.kounnisinsuforce.com

Waltham Forest Insurance ServicesWaltham Forest Insurance is a brand that has been in existence since 1967. This division specialises in home owners and contents insurance of properties of any size within the UK. Further information can be obtained by visiting www.waltham-forest-insurance.co.uk

InsuforceThis is an internet based quotation platform linked to the aggregator site “Gocompare.com” as well as having a platform on the “Google” comparison site.

Our Insurance Broking Group has delegated Authority Schemes in place with household named insurers which allow us to underwrite and issue documentation instantly in house, enabling us to provide an excellent service to customers.

We have a database in excess of 30,000 clients which in turn has enabled us to deal with a wide-ranging panel of insurers including Axa, ERGO, Zurich, Aviva, Lloyds, Ageas and Royal Sun Alliance. This enables us to obtain the best premiums on the market for our clients.

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Sterling Property Consultants

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Property ConsultancyOur property consultancy activities are operated by Sterling Property Consultants. It offers a bespoke property consultancy service to the existing clients of the Group as well as to the public at large.

The directors of the Group have a vast wealth of knowledge and experience, in both the Commercial and Residential investment properties and have all been successful in their own right in establishing and building up their own property investment companies.

This company can advise on all aspects of property investment from:

● Finding suitable property, according to clients risk profile

● Researching and analysing the property area and covenants attached to it

● Perusing all legal packs, reviewing same, and if need be consulting with legal and other professional advisors

● Obtaining and reading all the special, as well as general conditions of the sale of the property

● Advising on the purchase price of the property

● Attending the auction and bidding at the auction on behalf of clients

● Liaising with solicitors, surveyors, auctioneers and bankers and all other professional people

● Direct and Indirect Taxation on property Investments

Our Group has already assisted many clients to create and develop multi-million pound property portfolios in the U.K.

Property InvestmentWe have also created Minerva Realty Corporation in order to take advantage of the prevailing market conditions in the UK property market and in particular the commercial and semi-commercial sector.

Minerva Realty Corporation has already embarked on raising £100 million in order to achieve its investment strategy. Investors who fall into the category of High Net Worth Individuals (HNWI) as defined by the Financial Conduct Authority (FCA) will have the opportunity to invest alongside a very experienced team which is in fact the founders of Minerva Realty Corporation.

The company intends to start its investment programme by December 2013 and complete its first investment cycle by December 2014. It is anticipated that by the seventh anniversary of the company, Minerva Realty Corporation and subject to the legal formalities, will apply for a listing on a recognised stock exchange in the UK.

National Sea Life Centre - Birmingham

Minerva Realty Corporation

Foreign Currency ExchangeThe forex trading market is an international decentralized financial market whereby one currency is exchanged for another. Individuals and business entities can buy an amount of one currency and pay for it with an amount of another.

The market is not bound by borders and is easy to access. It is available 24 hours- a-day, five days a week and it is the most liquid market in the world according to experts.

Universal Foreign Exchange is a financial Institution which came into existence due to the constant demand by our Group’s clients for a reliable and honest provider. The directors of the company have the required expertise and experience in FX and upon authorisation by the Financial Conduct Authority, will provide clients with access to global currencies through a leading FX Market Maker, as well as, international payment services.

We are already registered as a Money Services Business (MSB), regulated by Her Majesty’s Revenue and Customs under number 12707845, making us subject to UK money laundering regulations. All client funds will be held in client transaction accounts and we will be supervised by the Financial Conduct Authority, under the Payment Services Directive 2009. This will ensure that we operate in a way that puts our clients’ interests first.

. .Business Centre

Sterling

Business CentreThe operation of the Business Centre known as Sterling Business Centre (SBC) is a division of Kounnis And Partners.

SBC operates from Sterling House, Fulbourne Road, London E17 4EE which is situated in the London Borough of Waltham Forest in North East London. The Walthamstow Wood Street Railway Station is only 10 minutes walk from Sterling House and is within Travelcard Zone 4. The journey to London Liverpool Street in the heart of the City is approximately 19 minutes. London City airport is a 20 minute drive from Sterling House provided there is not a lot of traffic. The Walthamstow Central Underground Station is part of the Victoria Line and is approximately 10 minutes drive from Sterling House.

SBC is ideal for start-up companies or for established businesses that prefer to have representation in the UK. Our all inclusive price of £1000 + VAT per annum includes the following:-

● Registered office ● Trading address ● Free parking for two cars, whenever you visit the Business Centre ● Free use of our boardroom twice a year. The boardroom can facilitate up to 12 people with Skype facilities ● The handling of your post every day. Our receptionists will sort out all the incoming post on your behalf and arrange so that they are emailed or posted to you (depending on the size) on the same day

Depending from the level of the service that you require from our Business Centre we can also provide on an ad-hoc basis the following facilities:-

● Hire of a room - £200 + VAT for a whole day ● IT support (to be negotiated upon request) ● Additional parking facilities (to be negotiated upon request) ● Reception facilities (to be negotiated upon request) ● Telephone/answering services (to be negotiated upon request) ● Secretarial services (to be negotiated upon request)

Notes

Kounnis Financial Group is a corporate umbrella which encapsulates the different activities of the member companies of the group.

Kounnis And Partners and Sterling Business Centre are trading names of Kounnis And Partners Limited which is registered to carry on audit work and regulated for a range of investment business activities by the Association of Chartered Certified Accountants. Registered in England and Wales No. 04205389.

Kounnis Insuforce, Waltham Forest Insurance and Insuforce are trading names of Kounnis Insuforce Ltd. which is regulated by the (FCA) Financial Conduct Authority under number 304831. Registered in England and Wales No. 04334060.

Universal Foreign Exchange is the trading name of Universal Foreign Exchange Limited which is awaiting authorisation from the (FCA) Financial Conduct Authority under the Payment Services Regulations 2009 to carry out payment services and is registered as a Money Service Business with HM Revenue and Customs under number 12707845. Registered in England & Wales under company number 08387366.

Sterling Property Consultants is a trading name of Sterling Property Consultants Limited. Registered in England and Wales No. 08389169.

Minerva Realty Corporation is a trading name of Minerva Realty Corporation Ltd registered in England and Wales No. 08556147.

Head office : Sterling House � Fulbourne Road � London E17 4EE � United KingdomEmail: [email protected] � Website: www.kounnisfinancialgroup.com

Tel: +44 (0)20 8498 2777 � Fax: +44 (0)20 8498 2775Associates in Europe, Africa, Asia and CIS countries

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