RUBEK RENTALS PTY. LTD.

INFORMATION MEMORANDUM

EXECUTIVE SUMMARY

With the growing demand for companies aimed at helping Australians nationwide
to acquire home appliances at a very reasonable price, Rubek Rentals Pty. Ltd. was
incorporated on June 19, 2019 to address this need. Rubek Rentals Pty. Ltd. is an
Australian online appliance rental company focused on providing a way for consumers
to access quality household items as rental goods with affordable weekly or fortnightly
repayment options. To better serve costumers, the company has prepared a payment
option that will be suitable to full time, part time or casual employees, as well as those
who rely on centrepay. Our company is designed in such a way that we can be of help
to every Australian mother or father who struggle to purchase appliances outright in
hopes that we can help them provide a comfortable, safe and stress-free environment
for their children and for their families.

Nowadays, it is getting harder and harder for people to acquire household items
due to several reasons. However, one of the main reasons for this hardship is financial
incapacity. Not everyone can afford to instantaneously buy household appliances, even
when they have urgent need for them because of insufficiency of their funds. Hundreds
and hundreds of applications for home appliance loan is being declined for one reason
or another. Our company recognizes the hardship that applicants go through with the
rigorous screening process that other companies require. But, our Company worked
hard in order to devise a payment scheme that can accommodate a large number of
consumers while at the same time protecting the Company from deceitful applications
and helping costumers not to get into a debt level they cannot afford. We aspire to
protect not only our Company from people who will take advantage of our generous
offers but we also help or customers choose the best option for them. Although we
cannot always guarantee a positive outcome to all applications, we can promise that all
our decisions are genuinely based on what will promote the welfare of both the
Company and the customers.

MISSION

It is the mission of Rubek Rentals Pty. Ltd. to provide only the best and brand
new appliances at affordable rates to our customers because we know that they
deserve only the greatest. That is why we made it our priority to be connected only
with the biggest and most respected and trusted retailers in all of Australia.

Although there are a lot of other companies out there which cater to the same
market, Rubek Rentals Pty. Ltd. stands out because of the quality and variety of the
appliances that we have to offer. Our Company makes sure that every item that we
give to our customers is meticulously inspected and selected to be one hundred percent
sure that only the best of the quality will be handed down to our clients. We also made
sure that our employees who will conduct the inspection and selection of the items that
we will offer are well-experienced in that area. Aside from the quality of the products,
we also aim to offer them at an affordable cost. The customers can be very well
assured that the money that they will be paying is worth the appliance that they will get
in return.

VISION

The vision of Rubek Rentals Pty. Ltd. is to be the largest online appliance retail
company in Australia in order to provide our services to anyone, from any part of
Australia and to be able to provide variety of choices and brands of home appliances
our customers may choose from.

We at Rubek Rentals Pty. Ltd. believe that with our well conceived and carefully
crafted business plan, we can be the biggest online appliance rental company in all of
Australia. That is why it is very important for us to always think of ways on how to
improve our services. In every action that we plan to take, we take into consideration
all possibilities and consequences. We also appreciate, and even encourage our
customers to give us feedbacks regarding our services. In return, we give full effort in
addressing their comments or suggestions.

BOARD OF DIRECTORS AND MANAGEMENT

To better serve our customers, we guarantee and made sure that we hire only
people who are experienced in their field by employing a meticulous hiring process. We
take great caution in selecting our employees to ensure that every person that will work
for the company has something that can contribute to its growth, development and
expansion. In return for the excellent performance of our employees, we also take care
of them by giving them what is due and compensating them in a fair manner.

Our Company is led by Director Rupert Kain. He has over 10 years of experience
in the field of financial services industry. In the beginning of his industry experience, he
has spent years fulfilling and learning various roles including back office and middle
office. He put into action all the things he has learned in his years in the industry in
order to make sure of the smooth sailing of transactions that Rubek Rentals Pty. Ltd.
will enter into.

Research shows that a good marketing strategy is a significant component for a

company to be well-known and to maintain a good standing to its clientele. Because of
the tough competition in the market, it is imperative that your company always have
something unique to offer. Without that, your company will surely be left behind by all
others. In order to keep our company on the front line, we have our marketing and
office manager, Rebekah Kain, who has proven her skill in this particular field. Her
incomparable skills are complemented by our Operations Manager, Derek Van Der
Velde. Both of them work together to think of ways on how to improve our services to
be on top and to stay on top. The goal to be number one is the reason why innovations
in our management and business operations are always underway. With this, we hope
and we will work hard to achieve our Company’s mission and vision.

INVESTMENT HIGHLIGHTS:

The years spent by our team analyzing the market and possible strategies that
we can employ, we know that building a company takes more than excellent planning
and knowledge on the business. Aside from that, it requires financial capacity in order
for you to provide all the things you will need if you want your company to succeed and
grow bigger.

The initial capital needed in order to start the company is at AUD 1, 000, 000.
This amount of initial capital will suffice in order to comply with the legal and
documentary requirements in order to incorporate a rental company, secure licenses
and permits, set up an office, prepare a business plan, market rental properties and
hire employees and building our own automated technology. Those items previously
mentioned are just for starters. Additional funds are needed if the company would like
to provide good quality products to its consumers. However, even with the need of a
big capital in the beginning, we are very sure that return of income will follow just a
few years after our incorporation.

As of now, we have a current loan book of AUD 400, 000. A total amount of at
least AUD 500,000 is invested in the Company, so far. All the current fund of the
company will be allocated for its operation. Our loan book is increasing in size. For that
reason, we are requiring to pay for the appliances upfront. As such, a large portion of
the AUD 1, 000, 000 will directly be given to this.
 The unique selling proposition of our Company which could entice a large
number of investors is our automated technology. Building our own automated
technology to ensure the proper execution of instructions through commands combined
with automatic feedback control without the need of human intervention shall be a
competitive advantage of our Company from all other. This is the reason why we value
the Company at $ 10, 000, 000 as of the moment. The main reason for creating an
automated technology is not purely for the convenience of the customers but of the
company as well. Because of automated technology, human interventions in the kinds
of interaction where it can be used is no longer needed. In return, the company will be
able to save money which would have been given as salary to additional employees.
The money saved may well be used for other things which will contribute to the
development of the company.

With an investment of AUD 1, 000, 000, the investor shall be entitled to a 10%
share of the company. As the Company receive profit, the projected return of dividends
after three years is at an estimated 5% dividend per year. This is considerably bigger
than what other companies of the same field have to offer. Since the projected 5%
dividend per year is only an estimate, there is a high chance that the dividend per year
can still increase, depending on the sales and performance of the company.

TRACK RECORDS OF SALES AND

FINANCIAL PROJECTION

8000

7000

6000

5000
Projected No. of Clients
4000
Projected Increase in Value for
3000 Each Client

2000

1000

0
2019 2020 2021 2022 2023 2024 2025
 With barely a year in the market, the company is already making waves in the
playing field. Currently, we are on boarding at least 75 clients each month. On average,
we value each client at $ 2,000. Since the company was incorporated on June 19, 2019,
we had at least 450 clients from 2019, multiplied by the value for each client then we
have $ 900, 000.00. The value of each client is projected to increase by at least 42%
each year, thereby making the value of the client increase by $840 per annum. With a
projected increase of 100% in the number of clients each year, we will have an
additional 450 clients every year. As represented by the table above, in the year 2020
we will have 900 clients valued at $ 2, 840 each. On 2021 we will have 1350 clients
valued at $ 3, 680 each. On 2022 we will have 1, 800 clients valued at $ 4, 520 each.
On 2023 we will have 2, 250 clients valued at $ 5, 360 each. On 2024 we will have 2,
700 clients valued at $ 6, 200 each and for 2025 we are expected to have 3, 150 clients
valued at $ 7, 040. This projection shows the increase in number of clients and client
value in the span of five years.

We are always on the lookout for other strategies and marketing techniques
which we may employ for our company to be widely known and to cater to the needs of
the people at a wider scale. It is our goal to increase the number of our clients each
month and in return, gradually expand the business to accommodate and meet the
growing clientele.

Projected Annual Value

25000000

20000000

15000000
Projected Annual Value
10000000

5000000

0
2019 2020 2021 2022 2023 2024 2025
 Taking into account the historical data of the company together with the
projected revenues and expenses, within a short period of five years, we expect the
Company to be valued at AUD 22, 176, 000. This will only be possible if we will be able
to have enough investors to help us expand the company. Expansion of the company is
necessarily in order to fulfil the projected revenues in a period of five years. However,
company expansion will not be possible if the company is not financially ready to
provide all the things needed for such expansion. As such, one of the current goals of
the company is to attain an investment of AUD 1, 000, 000 from investors.

POTENTIAL RISKS

Risk expectancy and management is an important component of every business

plan and strategy. Because of that, the company contemplated possible risks that it
may face and considered the plan of action to take if ever the potential risk presented
itself. One of the challenges that the company foresees is the changing of government
regulations. Since Rubek Rentals Pty. Ltd. is a regulated entity and a holder of an
Australian Credit License, there is a risk that the government will change regulation and
make it more difficult to run this type of business. The majority of our clients are on
government support called Centrepay. The Australian Tax Office might decide to stop
allowing rental businesses the ability to pay directly for the clients' benefit. However if
this risk should come into reality, rest assured that the company has thought of ways in
order to cope with the changes that the change in the regulations may pose.

EXIT STRATEGY

Within five years, if the business gets a massive success in a quick time, we will
consider selling it. We expect the loan book to increase to about AUD 10, 000, 000 over
the next three years.