23RD DECEMBER, 2020

Dear Investors,

We appreciate your commitment to our growth and patience with us at this time. It has been a pleasure
serving you for 21 months. We want you to know that we truly value you, and your business. Your
cooperation had sustained the smooth running of our operation as a firm. We offer our unreserved and
sincerest apology to you, we understand that this will not quell the damage that the imposed policy has
caused you.

With the vision of sustainable growth, it is painful, yet needful to announce that the company is discontinuing
the existing investment strategy. We have made extensive research on investment structures that have been
in operation for decades and we have realized that our existing investment strategy is not sustainable on the
long run as it is of high interest rate and it runs on short term.

As we have promised to keep you updated and abreast of our decisions; this Memo is aimed at explaining our
current situation explicitly and our probable solution. At this juncture, it is important we lay the facts on the
table, this is because we respect you as stakeholders in our company;
1. Financial literacy is crucial for every investor.
2. We are involved in the money market, primarily the Fx Market, which is extremely volatile.
3. The unstable global market adversely affected our trading system.
4. There was the urgent need for company restructuring to salvage the company from bankruptcy.
5. We don’t have any intention to rip off any of our investors and we are not happy with the circumstances
surrounding our policy change.

So what’s the way forward?

The company has come up with a payment plan which is as follows;

1. The company will be paying just the initial capital for the month of November while first time investors in
December will get a refund of their capital.
NB: For Investors that have received their return on investment for the month of November, the ROI
disbursed will be deducted from the capital and balance will be paid.

2. The capital payment will be spread across months, wherein a certain percentage of the capital will be paid.

3. This payment plan will take effect from March 2021. A new MOU would be issued to all investors to this
effect.
We have had closed door meetings with financial experts, and financial risk management personnel to come
up with these decisions. All these aforementioned is subject to review, and timely updates would be availed to
our investors. We understand that this is not a convenient decision, but we strongly believe in its workability.
We are working assiduously as a company to achieve it, we ask for your patience and moral support to navigate
these times.

The company is coming up with a new investment structure for new investments in 2021, details will be
communicated as time goes on.

Thank you.
Management, Wales Kingdom Capital.