A commerical banking need to restructure and re-capitalized. A oversea investor need! around 10 Millions USA dollar need for the Chinese Bank, and it will be IPO in Mainland China or HK within 5 Years. the expected Investment return will more then 40 times. PLS contact us at : lus9199@gmail.com

1. NANYANG CITY COMMERCIAL BANK
Investment project exclusively presented by
NEW J & A Investment Management, Ltd

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Reminder
All information in this Investment Proposal is confidential. Contents and data
included are purely for the reference of potential investors, not for any other uses.
Please follow the rules below after you receive this proposal:
1. Please return this proposal if you are not interested in this project
2. Without the written agreement with Guohao Corporation, it is prohibited to
copy, fax, scan, disclose, or distribute part or all information in this proposal
to others
3. Please limit the access to this proposal to only related personnel, please do
not copy, scan, distribute, or disclose information in this proposal to
unrelated persons in your company
4. New J & A Investment Management, Ltd, Shenzhen preserves all final rights
to explain contents and data in this proposal.

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Contents
NANYANG City Commercial Bank business
New J &A management team
Financing Proposals
NANYANG City Commercial Bank Descriptions

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NANYANG City Commercial Bank — Description
Founder in 1989, NANYANG City Commercial Bank，is an
independent local commercial bank, owned by shareholders.
The bank has annual shareholder meetings, board of directors
and executive management. The bank has centralized
management and decentralized operations. The bank focuses
on commercial banking, and owns 60 operating locations.
The bank has grown rapidly into an entity with excellent
management, well-located branches, expanding business,
strong servicing ability, increasing profitability, and a good
social image. The bank is one of leaders with large influence in
the local economy.

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NANYANG City Commercial Bank — Governmental Supports
A special leadership team consisting of high-ranked officials
of NANYANG City’s been deployed to help the bank to clean up
bad loans and to monitor its internal affairs. In 2007，the city
started to directly take away the commercial banks’ bad loans,
and to replace banks’ toxic assets and distressed assets with
state-owned land. The city tries to make it possible for the banks
to focus on meeting operating goals.
NANYANG city government is the largest shareholder of the bank,
who has given tremendous supports to the bank. In 2006, the
NANYANG city implemented a serial of favorable policies to support
commercial banks, such as allowing “Collect first, reimburse later”
taxation. NANYANG city input additional 130 Millions RMB capital to
NANYANG City Commercial Bank, and donated 170 millions RMB of
government owned properties to the bank.

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Contents - Continued
New J &Ateam
Financing Proposals
NANYANG City Commercial bank introduction
NANYANG City Commercial Bank business

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NANYANG City Commercial Bank — Loans
Loans
To
Business
To
Individuals
PersonalMortgage
loans
AutoLoans
RealEstateMortgage
BackedLoans
PersonalDeposits
PledgedLoans
Smallunemployment
loans
Short-termLoans
Mediumtolongterm
loans
BankEndorsement
BusinessDeposit
PledgedLoans
MediumtoSmall
Business JointLoans

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NANYANG City Commercial Bank — Deposits
Deposits
From
business
From
Individuals
PersonalTimeDeposits–
Lump-sumsavingand
Lump-sumwithdrawals
PersonalTimeDeposits–
SmallSavingswithLump
SumWithdrawals
Educationalsavings
Personal savingswith
advancenoticetowithdraw
CorporateCurrent
Deposits
CorporateTimeDeposits
CorporateDemand
Deposits
Entity’snegotiable
savings
……
Personal TimeDemand
Deposits
Personal checking
deposits

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NANYANG City Commercial Bank — Agency Services
Debt and claim settlement services
Collecting and transferring funds
Insurance services
Company’s Asset valuation
Letter of Guarantees
Entrusted Loans
Bank statement certification
Credit cards
Agency
services

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NANYANG City Commercial Bank — Specialties
♦城市建设贷款：配合城市建设规划，为城市道路、桥梁、体育设施以及供水、
供电、安居等利民工程建设提供融资服务。
♦项目搭桥贷款：充分发挥机制灵活，决策链短的优势，对当地大企业、大项目
进行短期融资支持，满足临时资金需求。
♦中小企业贷款：开辟中小企业信贷“绿色通道”，创新担保方式，为中小企业，
特别是效益良好的重合同、守信誉企业提供全方位金融服务。
♦个人消费贷款：充分发挥“市民银行”的作用，以住房按揭贷款、汽车消费贷
款为主，积极办理个人信贷业务。
♦银 行 卡 业 务：发行“世纪一卡通”联名银行卡，可为客户提供存款、消费、
结算、个人理财等综合服务。
♦结 算 业 务：可办理国内各种结算业务，并依托人民银行大小额支付系统，
开展同城、异地、跨行通存通兑等服务。
♦代收代付业务：已开办代发工资、代收电费、代收水费、代收手机费、代收非
税收入、代理保险等十几个代理业务项目，方便广大市民。
♦Infrastructure loans：Providing loans to infrastructures projects
♦Investment project loans：Providing short-term loans to local large companies and
large local projects to meet their cash flow needs
♦Small business loans：Implementing “Green Channel” policy: to offer compete banking
services to small business, especial to those with good credit rating & social image
♦Personal consuming loans：Being a “People’s Bank”: offering personal mortgage loans,
auto loans and other personal banking services
♦Debt card：Issuing “One card One world” debt cards
♦Cleaning house services: Able to accept all kinds of domestic transactions, and alliance
with the central bank to offer cross banks transactions
♦Collecting and Transferring funds：Already having services, such as paying salary for
companies, collecting electricity fees, water fees, cell phone dues, insurance premiums and
other nontaxable items for the convenience of the general public.

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Contents - Continued
Financing Proposals
NANYANG City Commercial bank Introductions
NANYANG City Commercial Bank business
New J &Ateam

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New J & A Description
New J & A Shenzhen Investment Management, Ltd is a registered
professional investment management company. Our objective is to
create additional wealth for our clients.
New J & A has a focus of investment management, financial
consulting, asset management, asset reorganization, public offering
and company reorganization.
Our mission statement is Accelerating wealth growth.
Our business is based on our deep understanding toward
domestic and international markets, and our solid experience in the
busines.
Accelerating wealth
growth
Mission
Statement

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New J & A Business Divisions
Our business is based on our deep understanding towards
domestic and international markets, and our operating experience.

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New J & A Internal Management Flowchart
We are market-oriented; we believe in maximizing profit over
risks, and we strive to provide the best professional services to our
clients in our practice. We have established a system which is self-
efficient and self-supportive along with strong internal controls.

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New J &A Risk Management Flowchart
Our company has establish a well structured risk control system.
We follow the risk control process in very practice, to prevent and
diversify risks efficiently and effectively.
Risk
Management
Committee
Risk Control
Teams
Investment
Risk Control
Team
Fund
Operation
Risk Control
Team
Fund Sales
Risk Control
Team
Financial
Accounting
Risk Control
Team

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Our team
Shengxi Lu, PhD
Yuyuan Tao
Fengjiao Chen
Yibo Ma
Jingyi Zhao
Bingming Yi, PhD
Qing Gao
Maoquan Gong
Xiaobin Wu
Jiwei Wang
Qianmei He
Liuyi Xie
CEO, New J & A Investment management, LLC
Vice president, New J & A Investment management, LLC
Executive manager, New J & A
Board of Directors, NEW J & A
Vice president of marketing, New J & A
Vice president of research and analysis, New J & A
Vice president of acquisition and merger, New J & A
Vice president of acquisition and merger, New J & A
Vice president of fund management, New J & A
Vice president of security trading, New J & A
President of Jiaoshi Fund, LLC, Guanzhou branch
Fund manager of China Dragon Power Fund

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Shengxi Lu, PhD
Dr. Lu has rich experience in investment banking and asset management
（Especially in Private fund management）. He holds a bachelor degree in
engineering from University of Haerbin Technology, a bachelor degree in
business administration from University of Wuhan Technology, a MBA from
Rensselaer Polytechnic Institute , Lally, and PhD from Zhongnan University of
Economics and Laws.
Dr. Lu is CEO of New J&A Financial Limited, and,
member of board of directors of J&A International capital.
Previous Dr. Lu was the fund manager of Dafu Financial
management, LLC (Hongkong). Before joining Daofu, he was
the vice president of marketing of China High Technology
Investment management, responsible marketing and
investment management. The positions that he hold before
including senior manager of Jiashi Fund management, and
senior analyst of J & A Capital (Hongkong), senior analyst of
Guoxi Security and Vice president of Investment banking of
J & A Investment.

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Successful cases by Dr. Lu
 Guagzhou Capital（600098）A stock issuance（in 1997）
 Yu Energy（001896）A stock issuance（in 1998）
 China Oil（600546）A stock issuance（in 2003）
 Establish China Dragon Power Fund（in 2006）
 Establish J&A Fund SPC（in 2007）
 Establish SkyworthTTG & assist its financing ( in 2008）
 Establish New J&A*Huarun Trust* New Xinhuzhongbao
ABS Trust fund( in 2009)

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1. Seven articles published on secondary academic magazines
2. Comprehensive Strategic Decision Makings
Published in 1998 by RENMIN Publishing
3. Establish and Operate Companies owned by stockholders
Published in 1998 by HAITIAN Publishing
4. How to make your company publically traded
Published in 2000 by CHANGJIANG Publishing
5. Investment Bank in the auditing system
Published in 2001 by China International Trading Publishing
Publications of Dr. Lu

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Dr. Lu’s Experience and Specialty
Educated and Work in Mainland
China, Hongkong, and in U.S.
PhD in Statistics and MBA, other than
that also have degrees in Engineering,
International Business Management,
Financial Engineering, and Mathematics
in Business. One of the first members
being granted Hongkong citizenship as
“Excellence Intelligent”
Solid Financial Investment
Background
Experience in Investment Banking by
working for J & A Securities; Investment
Analysis (Guoxing Secuties); Marketing
(Jiashi Funds); Security Investment (J &
A Asset Management Company); and
Fund Management ( Hongkong Dafu
Asset Management Company)
Precautious Attitude and Approach
towards Risk Taking
Emphasize in team work; Follow Wall
Street Fund management rules and
models
Multi-dimensional Company
Valuation
Partner with diversified professional
institutes; Create new financial
derivatives

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Mr. Yibo Ma
Mr. Yibo Ma is an independent director on board
of New J & A. He is currently in a position for a domestic
security company with 17 years of experience. He was
responsible for information analysis for J & A Capital
management.
Also Mr. Mao was the founder of combining security and
banking services during working on research of China
security trading system for a case of partnering with
China Commercial Bank. He was a professor in Wuhan
University, involving in data base system research. Mr.
Mao holds a bachelor degree from Wuhan University
and he is a certified engineer.

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Miss Fengjiao chen
Miss Fengjiao Chen is the senior manager of New J
& A. She is a certified accountant and certified taxation
specialist in China. Miss Chen is the head of Shenzhen
Hongxin Accounting firm. She is a member of Finance
Committee of Shenzhen Professionals. She is a member
of Commercial Committee for the 6th time.
Miss Chen was one of members of Shenzhen
Commercial Committee in 5th election. The positions she
held before include member of Shenzhen Auditing
committee, managing partner and office manager of
Shenzhen Futian Auditing, and partner and vice
president as well as vice chief accountant of Shenzhen
Yuhua Accounting.

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Mr. Xiaobin Wu
Mr. Xiaobin Wu is Vice president and fund manager
of New J &A. Previously Mr. Wu was the Vice president of
asset management for Changjiang Security . Before that,
he involved establishing Guangdao Baodexin Fund
Management. The positions he held before include Vice
president of governmental bonds for Wuhan Security,
CEO of Wuhan Xinlande Security Consulting, senior
manager of the security department of China Bank
Wuhan branch.
Mr. Wu has great experience in asset management and Corporate
financing. The areas he has worked on include security, funds, bank, trusts
and etc. He has earned a MBA from Manchester Business school in
England, a MBA and a bachelor degree from Wuhan Technology University.

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Miss Jingyi Zhao
Miss Jingyi Zhao is the vice president of business
development for New J & A. She was the vice president of
business development for VC China Capital, responsible
for its main profit-making operations. The positions she
had before that include the following: senior manager of
client services for Jiashi Fund in charge of client relation
maintenance and development, and area manager of
client service for Shenyin Wanguo Security Research
Organization in charge of the VIP client services in Beijing.
Miss Zhao has a lot of experience in financial instruments sales and
public relations in financial industry. Her experience related to financial
instruments includes security analysis, mutual funds, corporate bonds,
short-term financing and etc. Her experience regarding client service
covers commercial banking industry, social security, insurance, accounting
services, trust funds, investment companies, and corporations. She got her
MBA from Fudan University, and her bachelor degree from Hubei
Technology University.

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Mr. Qing Gao
Mr. Qing Gao is the vice president of Acquisition
and Merger for New J & A. Immediate before he joins us,
he was vice president of Investment banking for
Zhongshang Security, branch vice president of investment
banking for 4th branch of United Shenzhen Security. His
work experience before also includes being vice president
of investment banking for Hengtai Security, branch vice
president of investment banking for Taiyian Security
Shenzhen and Changshao offices, and senior manager and
CEO assistant of investment banking for Dapeng Security.
Mr. Gao is well recognized in investment banking industry in China. He
is well connected in the business. He has great knowledge regarding
domestic and international financing channels and instruments. He is also
good at large investment acquisition and investment banking as well as
executive management. Mr. Gao earned his MBA from Renmin University of
China, and a bachelor degree in business administration from Beijing
Technology and Business University.

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Mr. Maoquan Gong
Mr. Maoquan Gen is also responsible for acquisition
and merger for New J & A. He was the CEO for Yuete
Financial Accounting. Between 2001 to 2002, he was
the branch vice president in Beijing for Wangbao
Global corporation, an American company. Before 2001,
he held a position in the investment banking
department of Dapeng Security.
Mr. Gong graduated from Beijing University, with a lot of
experience in acquisition and mergers as well as financial
company management. His past work experience includes
securities, funds, banking, and trusts.

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Bingming Yi, PhD
Dr. Yi is the vice president of research and analysis
for New J & A. He was one of the main statists for
GLAXOSMITHKLINE, PA, USA. He worked for China
International Hedge as an analyst for two years. His work
experience also includes five years working in
pharmaceutical industry in United States and more than
six years working in in security and commodity trading
areas. He has a lot of well recognized performance in the
past.
Dr. Yi completed his PhD in statistics in North Carolina State University.
He held a master and bachelor degrees in Statistics from Beijing University.

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Mr. Jiwei Wang
Mr. Wang is the vice president of security trading
for New J &A. He has twelve years of experience in
security trading.
Mr. Wang holds a bachelor degree in engineering
from Haerbin University.

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Our Strength

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Contents - continued
New J &Ateam
NANYANG City Commercial Bank Description
NANYANG City Commercial Bank business
Financing Proposals

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Financing Summary
Subject：NANYANG City Commercial Bank
Financing Amount：Not determined (RMB)
Time Period：Eighteen months
Guarantees：Stocks of financing subject & Zhuhai City Land Management Bureau
Purchaser：Qualified Investors

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Chart of Domestic Financing and Foreign Financing
Domestic Financing (To set up Trust)
Funds）
Foreign Financing（To set up Enterprise Fund）
Qualified
Investors
NANYANG City
Commercial Bank
Trust Fund
Domestic
Trust
Platform
New
J&A
Investment
Consulting
Purchase
Trusts
Usage of
investment
Qualified
Investors
NANYANG City
Commercial Bank
NANYIAN City
Commercial
Bank Enterprise
Fund
SPC
Platform
New
J&A
Fund
Manager
Purchase
the Funds
Usage of
Fund

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Foreign Financing Flowchart

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Trust Funds Flowchart
Product Design and Marketing
(Investment Consultant)
Product Branding
(Trust Fund Management)
Product Delivery
(Issuing)
Purchaser
New J & A Investment
Management
Huaren Shenzhen Guotou Trust
Fund Investment Mgmt Company,
Ltd
Industrial and Commercial Bank of
China, Mingsheng Bank, Guotai J & A
Securities, Changcheng Securities,
and Xianchai Securities
Qualified Investors

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Timetable for Trust Funds
T=0
T=0 +1W +2W +3W +4W +5W +6W +7W +8W +9W +10W +11W +12W
T+2W
T+4W
T+4W
T+7W
T+9W
T+12W
T=0 +1W +2W +3W +4W +5W +6W +7W +8W +9W +10W +11W +12W
New J&A and the party issuing Trust Fund Sign the contract
Market Research; Proposal is approved by Trust Fund issuing party
Communicate with Huaren Shenzhen Security
Communicate with China Commercial Bank
Present documents to China Trust Management Bureau (SEC)
Preliminary Roadshow and others
Issuance Completed Capital received Related cash received
Simultaneously

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To Minimize Risks and To enhance Credit Rating
1st Shield of Risks:
Share of Guohua Energy
Earnings
4th Shield of Risks: Stock
rights of Coal-Gasoline-
Project Guarantees

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Contact Us
NEW J & A INVESTMENT MANAGEMENT LTD
Address：501 Skyworth Bldg # A, No.1 Gaoxin Ave., Nanshan district, Shenzhen,
China
Zip Code：518000
Telephone：0755-86117985
Fax： 0755-86117985
Contacts ： Weidao NIE Julie Zhang Lucky Lu
Cell ： 15814725315 13570885006 13924611904
Email： dada8088@gmail.com littlebee5006@gmail.com lus9999@gmail.com

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New J &A is Always Strive to Serve You
New J&A Investment Management Ltd