by shenglan chai 南阳市商业银行融资项目 in english final

NANYANG CITY COMMERCIAL BANK

Investment project exclusively presented by NEW J & A Investment

Management, Ltd

2真诚协同驱动财富增长

Accelerating Wealth Growth

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.

3驱动财富增长Accelerating Wealth Growth 真诚协同

Contents

NANYANG City Commercial Bank business

New J & A management team

Financing Proposals

NANYANG City Commercial Bank Descriptions


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.


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.


Contents - Continued

New J & A team

Financing Proposals

NANYANG City Commercial bank introduction



NANYANG City Commercial Bank — Loans

Loans

To Business

To Individuals

Personal Mortgage loans

Auto Loans

Real Estate Mortgage Backed Loans

Personal Deposits Pledged Loans

Small unemployment loans

Short-term Loans

Medium to long term loans

Bank Endorsement

Business Deposit Pledged Loans

Medium to Small Business Joint

Loans


NANYANG City Commercial Bank — Deposits

Deposits

From business

From Individuals

Personal Time Deposits – Lump-sum saving and Lump-sum withdrawals

Personal Time Deposits – Small Savings with Lump

Sum Withdrawals

Educational savings

Personal savings with advance notice to withdraw

Corporate Current Deposits

Corporate Time Deposits

Corporate Demand Deposits

Entity’s negotiable savings

……

Personal Time Demand Deposits

Personal checking deposits


NANYANG City Commercial Bank — Agency Services

Agency services


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.


Contents - Continued

Financing Proposals

NANYANG City Commercial bank Introductions


New J & A team


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


New J & A Business Divisions

Our business is based on our deep understanding towards domestic and international markets, and our operating experience.


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.


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.


Our team

Shengxi Lu, PhD

Yuyuan TaoFengjiao ChenYibo MaJingyi ZhaoBingming Yi, PhDQing GaoMaoquan GongXiaobin Wu Jiwei WangQianmei HeLiuyi Xie

CEO, New J & A Investment management, LLC

Vice president, New J & A Investment management, LLCExecutive manager, New J & ABoard of Directors, NEW J & AVice president of marketing, New J & AVice president of research and analysis, New J & AVice president of acquisition and merger, New J & A Vice president of acquisition and merger, New J & AVice president of fund management, New J & AVice president of security trading, New J & APresident of Jiaoshi Fund, LLC, Guanzhou branchFund manager of China Dragon Power Fund


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.


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)



Publications of Dr. Lu



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


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.


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.


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.


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.


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.


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.


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.


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.


Our Strength

OUR HAVE GREAT EXPERIENCE IN MULTINATIONAL MARKETS (U.S., MAINLAND CHINA, HONGKONG ）

WE ARE FAMILIAR WITH JOINT VENTURE PROCESS AND OPERATING (OUR SUCCESSFUL CASE EXAMPLE:PARTNERSHIP WITH HUMMER ）

WE HAVE SPECIALIZED INVESTMENT EXPERIENCE

WE HAVE INTERNATIONAL PERSPECTIVES AND PROFESSIONAL LEADERSHIP TEAM

WE HAVE CLEARLY POSITIONED OURSELVES AS:

1 ） BE PROFESSIONAL INVESTOR

2 ） FOCUS ON MIDDLE TO SMALL BUSINESS

3 ） BE PROFESSIONAL MARKET RESEARCHER


Contents - continued

New J & A team

NANYANG City Commercial Bank Description


Financing Proposals


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


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 FundDomestic 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


Foreign Financing Flowchart



Trust Funds Flowchart


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



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

Enhance Credit Rating


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 ： 0755-86117985Fax ： 0755-86117985

Contacts ： Weidao NIE Julie Zhang Lucky LuCell ： 15814725315 13570885006 13924611904Email ： [email protected] [email protected] [email protected]

mailto:[email protected]





New J &A is Always Strive to Serve You

New J&A Investment Management Ltd

by shenglan chai 南阳市商业银行融资项目 in english final

Economy & Finance