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2. “making money
while doing good”
Executive Summary 5
Social Housing Program Overview 8
Investment Strategy 10
Strong Rental Cashflow 12
Housing Choice Voucher Program 15
Fair Market Rents 16
Why Invest in Chicago 19
About Us & Our Partners 20
Why Should I Invest Now? 21
Buying Process & Returns 22

3. The Colonial Capital Group Secured Fixed Rate
Bond (SHB) launched in February 2014 with the express
objective of re-housing up to 2,000 families in the Chicago area.
Over the 3 year period an investor will receive returns equal to
12% per annum, paid every 6 months.
The SHB is a Socially Responsible Investment (SRI) as our main
objective is to help provide safe, clean and decent housing to
either the very low or low-income families in the Chicago area.
On each sale made we also donate $50 to Kiva which helps
to fight worldwide poverty. More information can be found about
this at www.kiva.org/team/colonial_capital/
The US housing market has been on a downward path since it
reached an all-time high in late 2006 early 2007. However, after
plummeting over 50% in some areas the consensus is we may
have finally found a bottom to the market. The graph below
(Figure 1) shows that the vast majority of the drop in prices
occurred between mid-2006 and early 2009.
Executive Summary
Social
Housing Bond
12% return
per annum
COLONIAL
CAPITAL
100
95
90
85
80
75
70
65
60
55
50
2006
Source: Clear Capital Home Data Index
RelativeIndexValue
2007 2008 2009 2010 2011 2012 2013 2014
Figure 1U.S. National Prices Historical
4 5

4. Whilst the property prices have dropped, foreclosures have sky rocketed forcing many
thousands out of their homes.
This in turn has increased the demand for good rental properties and this has been further
compounded by the banks in the US keeping a very tight rein on mortgage finance.
This restriction of credit is forcing not just those that have lost their homes into the rented sector
but also first time buyers. This “perfect storm” has created an excellent opportunity for the
astute property investor in the US housing market.
The Colonial Capital Group plc 3 year US Social Housing Bond has been designed to
allow both private and institutional investors an opportunity to benefit from these circumstances
with returns of 12% per annum. This is asset backed and secured upon the shares of Colonial
Capital LLC.
The bonds benefit from a first ranking charge over the shares in Colonial Capital Property LLC,
the company in the US that holds all of the properties funded by the bonds. In the event of non-
payment, the bondholders would have the ability to enforce their security, take control of Colonial
Capital Property LLC and realise the value of its property portfolio subject to the prior
claims of any trade creditors of Colonial Capital Property LLC. More details can be found in the
Information Memorandum (IM).
COLONIAL
CAPITAL
12% per annum
This is asset backed and secured upon the property
held and managed by Colonial Capital LLC
12%
10%
8%
6%
4%
2%
0%
1995-01
1995-06
1995-12
1996-06
1996-12
1997-06
1997-12
1998-06
1998-12
1999-06
1999-12
2000-06
2000-12
2001-06
2001-12
2002-06
2002-12
2003-06
2003-12
2004-06
2004-12
2005-06
2005-12
2006-06
2006-12
2007-06
2007-12
2008-06
2008-12
2009-06
2009-12
2010-06
2010-12
2011-06
2011-12
2012-06
2012-12
2013-06
2013-12
%ofActiveLoans
DEC-05
4.27%
JAN-10
10.57%
AUG-12
6.87%
Total Delinquent and Foreclosure Percent by Month
Delinquent
DEC-05
0.44%
AUG-12
4.04%
Foreclosure
Executive Summary
6 7

5. 3 Year Social
Housing Bond
Started in Chicago in 2012
Colonial Capital LLC acquires distressed property, typically 2-4 unit multi dwelling houses in
both West and South Chicago. After a comprehensive refurbishment process we let
these properties to US families under the Housing Choice Voucher (HCV) Program, formerly
known as Section 8. This allows the company to achieve high rental yields that are paid and
underwritten by the US Government.
In some cases the company may sell a proportion of its portfolio to help accelerate growth and
use leverage where appropriate.
There is a minimum initial investment of £10,000 and subsequent purchases at £1,000.
The annual returns are 12% of the sum invested which is paid bi-annually. The start date for
the annual returns is exactly 6 months after the final date of subscription. This allows for
administration, property acquisition, refurbishment and rental.
The final redemption payment is paid after 3 years.
Social Housing Program Overview
8 9

6. The table below shows the Housing & Urban Development* (HUD) department’s agreed rent
payable in Chicago for 2014.
One-Bedroom Two-Bedroom Three-Bedroom Four-Bedroom
$826 $979 $1,248 $1,455
We can acquire a 2 unit property for as little as $30,000 - $35,000 and refurbish it for
approximately another $30,000. A 2 unit property with one 2 bed and one 3 bed apartment will
produce a rental income of $26,364 per annum. If we take an acquisition and refurbishment
cost of $65,000 we will achieve an un-leveraged yield of 40.5%.
Another option is to acquire, refurbish and sell. The above example could possibly be sold for
$100,000 and still produce an un-leveraged yield of 26.4% per annum for a buy to let investor.**
The figures achieved are even better on a 3 unit dwelling. In this example the property has one
2 bed and two 3 bed apartments. A typical acquisition and refurbish cost would be approximately
$80,000. The rental income generated by this property would be $41,700. This would
provide an un-leveraged yield of 52.1% or an un-leveraged profit of $86,800 if we sold at a
cap rate of 25%. The sale of just one of these 3 apartment properties generates enough cash to
cover all the Bond interest payments and the final redemption payment (based on an investment
of $80,000, see below.)
Rental Income as per FMR $41,700 Redemption Payment @ 100% $80,000
Sale Proceeds $166,800 Total Repaid to Bondholder $108,800
Bond Investment $80,000 Bond Interest @ 12% per annum $9,600
Property Type: 3 Apartments 8 Beds Total Bond Interest Payable $28,800
Cap Rate 25%
All of the returns shown above are un-leveraged.
The Fair Market Rent (FMR) is set by the Housing & Urban Development department and is paid direct to either the investor
or the investor’s agent, thus guaranteeing a certain level of rental income.
All funds invested are secured against the shares of Colonial Capital LLC, which in turn owns the entire property portfolio.
* The HUD is a US Governmental Department
** Investors who wish to buy property outright should contact us direct
We focus on multi-unit dwellings which contain between 2 – 4 apartments. All properties
are bought direct from US banks or via Foreclosure sales and are refurbished to a high
standard, which includes new kitchens, bathrooms, windows and wooden floors.
Yields achieved are sufficient to deliver the necessary dividend returns to the Bond
investors whilst allowing the company to continue to grow.
Throughout the three year term, we will actively manage each property to maximise the
returns. This will include a mixed strategy of buy & hold, buy & sell at the most appropriate times.
We expect to undertake more property dealing in the first 18 months whilst prices are particularly
low, which will help to accelerate growth before switching to a longer holding strategy as the
redemption dates approach.
Investment Strategy
re-house
2,000 families
10 11

7. As more people are forced to become renters, the demand for rental property increases
and this creates upward pressure on rental prices as can be seen in the graph below.
1 People who have suffered from a foreclosure still need somewhere to live and therefore their
only option is to rent.
2 First time buyers cannot get a mortgage to buy a property so they are forced to rent instead.
3 Voluntary Default, whereby a regular borrower hands back their keys because they are in a
negative equity position and they decide they would be better off renting.
There has been a steady and inexorable rise in the price of rental income across the US since way
back in 1983.
The home
ownership level
has fallen by
approximately
6 million homes
since 2007
Strong Rental Cashflow
1970
62
64
66
68
70
1975 1980 1985 1990 1995 2000 2005 2010
Home Ownership Rate: United States
Source: Cesus Bureau/Haver Analytics
1970
1972
1974
1976
1978
1980
1982
1986
1984
1988
1990
1992
1994
1996
1998
2000
2002
2004
2006
2008
2010
2012
2014
$0
$25,000
$50,000
$75,000
$100,000
$125,000
$150,000
$175,000
$200,000
$225,000
$250,000
$275,000
$300,000
$325,000
United States - House Prices
http://housingbubble.jparsons.net
Inflation-adjusted houses prices
Nominal house prices
Inflation-adjusted pre-bubble trend
Nominal pre-bubble trend
12 13

8. The Housing Choice Voucher program is the US Federal Government’s major program
for assisting very low and low-income families, the elderly and the disabled to afford decent,
safe and sanitary housing in the private market. Since housing assistance is provided on behalf of
the family or individual, participants are able to find their own housing, including single-family
homes, townhouses and apartments.
The participant is free to choose any housing that meets the requirements of the program
and is not limited to units located in subsidised housing projects.
Housing choice vouchers are administered locally by public housing agencies (PHAs). The PHAs
receive federal funds from the U.S. Department of Housing and Urban Development
(HUD) to administer the voucher program.
A family that is issued a housing voucher is responsible for finding a suitable housing unit of the
family’s choice where the owner agrees to rent under the program. Rental units must meet
minimum standards of health and safety, as determined by the PHA.
A housing subsidy is paid to the landlord directly by the PHA on behalf of the participating
family. The family then pays the difference between the actual rent charged by the landlord and
the amount subsidised by the program. Under certain circumstances if authorised by the PHA, a
family may use its voucher to purchase a modest home.
The Rent Subsidy
The PHA calculates the maximum amount of housing assistance allowable. The maximum
housing assistance is generally the lesser of the payment standard minus 30% of the family’s
monthly adjusted income or the gross rent for the unit minus 30% of monthly adjusted income.
All rental payments are paid direct from the US Government department HUD into our managing
agent’s bank account before being passed directly to Colonial Capital LLC.
What is the Housing Choice
Voucher Program?the
properties
let new
prospective
tenants
the
properties
let new
prospective
tenants
14 15

9. The Fair Market Rent is the 40th percentile of gross rents for typical, non-substandard rental
units occupied by recent movers in a local housing market.
40th percentile: The 40th percentile is that point in a distribution of numbers at which 40% of the
numbers are less than or equal to it and 60% of the numbers are greater than or equal to it. In the
set of numbers {$395, $458, $486, $517, $675}, $458 would be the 40th percentile. The 40th
percentile is similar in concept to a median; the median is the 50th percentile.
Gross rents: Gross rent is the sum of the rent paid to the owner plus any utility costs incurred by
the tenant. Utilities include electricity, gas, water and sewer and trash removal services but not
telephone services. If the owner pays for all utilities then gross rent equals the rent paid to the owner.
One Strike Policy
Unlike the UK, where unruly tenants seem to repeatedly get re-housed, this does not happen
in the US under the HCV program thus protecting our investment. If the tenants do not pass any
of the routine inspections or fail to pay just one monthly rent, they are given 30 days to rectify
the problem and if this isn’t done they can be evicted.
Any tenant evicted from the HCV Section 8 home cannot get back into the scheme anywhere in
the US. Under the scheme the HCV Section 8 payments can cover from 70% up to 100% of the
tenant’s rent.
Obviously tenants try hard to not lose this support thus ensuring the property remains
in good condition and in most cases treating it as if it were their own.
Element 1990 Census American Housing Random Digit Dialing Public Comment
Survey Survey
Gross Rent Recorded by census Recorded by AHS Respondents indicate Varies. If the comment
utilities they pay for and contains an RDD, HUD will
HUD estimates monthly estimate utility costs using
costs from local housing local housing authority
authority data data. Otherwise, HUD will
estimate from 1990 census
Recent mover Moved in past 15 months Moved in past Moved in past If public comment does
18-22 months 12-15 months not contain recent mover
information, HUD will
estimate from 1990 census
Public Housing Adjusted HUD based Eliminated by HUD from Eliminated in survey Varies. HUD can estimate
on AHS AHS information from AHS data
Built in past 2 years Eliminated by Census Eliminated by HUD from Eliminated in survey Varies. HUD can estimate
Bureau in extract AHS information from 1990 census
Substandard units Census extract excludes HUD uses AHS definitions No separate adjustment Varies. HUD makes
units with major of serious problems adjustment if needed
deficiencies HUD makes
further adjustment based
on AHS
Seasonal units Census extract excluded Excluded by HUD from Eliminated in survey Varies
AHS information
Atypical Census extract excluded Excluded by HUD from Eliminated in survey Varies
AHS information
Fair Market Rents
16 17

10. Diverse Economy
Chicago is home to more than 400 major corporate headquarters, including 27 Fortune
500 Headquarters. Rated #1 Large US Metro for Economic Diversity by Moody’s Investor
Services, Chicago is a key player in every economic sector from risk management innovation to
manufacturing to information technology to health services.
Trading Post
The most distinctive aspect of Chicago’s financial services community is also among its oldest.
The city’s derivatives exchange community, which started with commodity futures trading at the
Chicago Board of Trade in 1848, established the city as a global financial centre. To this day,
even though the trading of derivatives is conducted on an ever-expanding international scale,
Chicago arguably remains the geographic centre of global derivatives trading – in terms of
markets, scale and talent.
• Over $3 billion in global derivatives trading volume, nearly 2x the trading volume of New York.
• Chicago futures and options exchanges collectively dominate exchange-based derivatives
trading, with over 4 billion contracts traded in 2013.
• Chicago futures and options exchanges collectively dominate exchange-based derivatives
trading, with 51% of exchange based derivatives trading in the U.S.
Since 2000, the volume of global derivatives trading has increased from a little over 2 billion
contracts traded to more than 4 billion per year in 2013.
Growing Economy
Chicago continues to grow: total trade surpassed $160 billion in 2010 (up from $95 billion
in 2004). Chicago is top-ranked for economic potential among major cities across the world and
in 2010, World Business Chicago identified more than 230 medium-sized new & expanding
facilities announced, under development or completed in the metro area, representing a total of
more than 14 million square feet and nearly $2 billion in economic development activity. In
August 2010, Inc.Magazine included 202 companies from the Chicago region in its annual list of
the 5,000 fastest-growing companies in the U.S., placing Chicago 4th among metro
regions for number of ‘Inc. 5000’ companies; the city itself ranked second with 101 companies.
Source: www.worldbusinesschicago.com/data/economy
Why Invest in Chicago
Chicago
400 major
corporations
18 19

11. * Figures dependent on date of investment. Please ask your agent for figures based on your own circumstances.
Our company has been established to take advantage of the dislocation in the US housing
market and to provide both private and institutional investors with above average asset
backed returns.
The management team has over 40 years combined property experience and currently
manages in excess of 1,000 properties across the Chicagoland area.
All property acquisitions, sales and title insurance services are managed by the Chicago Title
Company, who have been in business for 160 years and have branches across 40 states,
making them one of the largest specialist title and escrow companies in the US.
Please see details below of our trusted advisors & partners based in both the USA and UK.
USA UK
Chicago Housing Authority Product Advice
Chicago, USA Clive Wolman, Barrister at Law, Lincolns Inn
Lawyers Fields, London
McCarthy Duffy LLP and Squire Sanders (US) LLP Accountant
Accountants Baker Tilly, Chelmsford, Essex
Steinberg Associates, Chicago, USA Bank
Bank Metro Bank
BMO Harris Bank, Signature Bank Solicitors
Property Grant Dawe LLP, London & Squire Sanders
Goldtree Realty Inc, Chicago, USA (UK) LLP London
Property Management
Shorewood Properties
Title & Closing Agent
Chicago Title Company
About Us and Our Partners
• To take advantage of the exceptional returns without the hassle of direct ownership.
• No worries about maintenance or refurbishment issues compared to direct ownership.
• No rental void periods compared to direct ownership.
• Fixed contractual interest either paid or compounded every 6 months dependent on your
choice of bond.
• Short to medium term. Returns and Redemption payments are concluded after 3 years.
• Asset backed investment.
• All bondholders have a first ranking fixed charge over the shares of CCP LLC, a wholly owned
subsidiary of CCG PLC that will own all properties purchased with proceeds of the bond issue.
• 85% rule. The amount of Bonds in circulation cannot exceed 85% of the value of the property
portfolio.
• Fixed return of 12% per annum.
• Fully SIPP/SSAS compliant structure.
• No need to register to pay US taxes for non US residents.
• No need to open a US company or bank account.
• Secure alternative investment involving one of the largest title insurance companies in the US.
• Property management, trading and development team in place with combined experience of over
40 years.
• Interest and capital repayments paid in the original currency in which the bonds acquired are
denominated.
• Investment can be made in GBP, USD and EUR.
• Low entry levels of GBP 10,000, USD 10,000 or EUR 10,000.
Minimum Investment - Fixed Annual Returns £10,000 @ 12%
Yr1 Yr2 Yr3 Redemption@100% Total Annual Equivalent
£1,200 £1,200 £1,200 £10,000 £13,600 12%
Why Should I Invest Now?
20 21

12. • Complete and sign the Bond Application form
• Enclose relevant Anti-Money Laundering documents, copies must be certified (2 forms of ID,
one showing your current address which must also be dated within the last 3 months and one
which must be a picture ID such as a current Passport or Driving Licence)
• Funds request will be sent with the payment details once anti-money laundering checks
are complete
• Bond Certificate issued
• First returns received 6 months from the end of the subscription date, unless the compound
bond is selected, in which case the annual interest payment is compounded each year and
paid in full upon redemption
Buying Process
First returns
after
6 months
22 23