The CT Group of Companies operates from a Canadian base to provide quality housing, hospital and school projects world-wide. Originally an engineering group, CT has 20 years' experience in land development for human use, and specializes in light gauge and heavy gauge steel construction systems designed for mass production at minimum cost by focusing on the use of local labour and materials in developing nations' environments. Please see the CT Group Corporate Profile or website for more information on the companies and expertise that make up CT Group.

The business plan is relatively simple. Over the past 8 years on its own steam CT has developed experience in providing humanitarian projects of real, tangible value to the peoples of developing nations. This has been done on virtually all continents, and is made possible more than anything else by the advances in communications technology over the past few years. This has allowed CT to investigate and visit many different economies and develop programs, all similar in their focus on housing, health and education as being necessary ingredients to any society that wishes to advance economically. In a sense our goal is to provide the underpinnings of a social safety net, while stimulating and developing local business and trade as well.

CT has up to US$200 Million in guaranteed (normally by state governments of developing nations) contracts in 8 regions around the world. Please see the attached list for contract values. Contract values are based upon what is considered by international money-lenders to be the acceptable level of risk for any given country under current, conservative conditions. All relationships are well-established over a period of years to ensure the effectiveness of the CT program of delivery throughout.

CT Group are managers and technical experts with broad experience world-wide. Please see the CT Group Team and Network as attached. This latter is not an exhaustive list. CT itself has built in 9 countries world-wide, and with the collective experience of its staff has built in more than double that amount.

CT also operates from the United States, having available to it both American and Canadian resources and materials in complement to CT's international network of suppliers and contractors which has been developed over the past 17 years of international business.

HUMANITARIAN PROJECTS

At present the world thinking on aid to developing nations is going through a sea change. As increasingly for many areas of the world economy as it consolidates, OECD governments are giving over the provision of aid to commercial companies specializing, like CT Group, in particular areas of development. There is greater control over the expenditure of money and greater value to the end user.

CT Group is a small, "boutique" private group of Canadian and American companies committed to its cause for world benefit. It is flexible and relies upon a core group of experts supplemented by world-wide experts in construction, logistics, supply and planning to meet its goals. The construction systems used are fast, inexpensive, healthy and long-lasting. It performs the role of program coordination, construction (including infrastructure) and hand-over to end-user. In this way, while providing jobs and training to the receiving country, it is able to control all aspects from beginning to end to ensure success in virtually any country, whether with a less or well developed financial system. CT uses proprietary software for website project centres, which is the hub of its distribution and project oversight and control system. CT's project management teams are deployed on the ground, overseen by division managers and technical support for design and supply.

CT is committed to the principles of fair distribution of wealth throughout the world for the betterment of all and the best way to assure the eradication of oppression, disease and poverty. It has developed its team and expertise, from community and government relations to project implementation and finance, with its humanitarian goals in the forefront at all times.

PROGRAMME IMPLEMENTATION

CT Group's humanitarian new town projects are available for finance investment. This can be done either on a purely humanitarian basis through the establishment of a fund and fundraising arm, or through the use of seed money to secure contracts and deposit finance for eximbank, regional and development bank low cost loans to buyer countries, states and cities. The program entails the actual establishment of an assembly and manufacture plant in the receiving country, thereby providing an opportunity of further training and project development and implementation in accordance with CT Group's Statutes of Governance. The World Bank communiqué with respect to corruption has been adopted by CT Group, and even before it existed CT adhered to rules of moral conduct in its dealings as a principal element of its ability to successfully (and morally) provide the services that it does. CT's people are hand-picked for their experience, ability and adherence to sound planning and respectful dealings at all times.

To fund CT's program or part thereof on a 100% donated basis offers the opportunity for major spin-offs in value in every country in which CT operates. Funding from a foundation or donor can be dealt with in a flexible manner to maximize benefit to the donor. The money would be subject to audit by CT's auditors, Doane Raymond, or as otherwise determined by the parties in contractual documentation. The fund would be held in the jurisdiction of choice by the donor. All due diligence would be documented on a case by case basis in an open and transparent manner. All contracts for sup0ply or service likewise would be open to scrutiny in accordance with the dictates normally accorded to foundations in OECD countries.

The desire is as much to create the model for fair business dealings as it is to generate well-being, stability and the Rule of Law in the developing nations in which it operates as a private concern. Publicly-funded aid programs are for political reasons unable to provide the same degree of effectiveness and thereby achieve the end result that can be achieved through CT's "basic needs" programs. CT has the model for effective provision of aid in developing nations in a world where the market paradigms have now developed the alignment of non-government interests with a world in which all people can see a brighter dawn day by day in common purpose and adherence to modern good government and free market principles.

An investment minimum US$10 Million is required to begin the fund and is to be disbursed according to accepted international accounting principles in project tranches. The due diligence and contract preparation that CT has completed to date is made available upon the execution of contractual documentation. Then the contracts are finalized and the projects begun. An increase in funding up to US$150 Million will allow CT to exponentially expand its programs to more countries in need of housing, health and educational facilities, as well as public and commercial buildings and accompanying infrastructure.

To fund CT's programs as a key and necessary component of an externally-funded exim, regional or development bank program is easily done. In all developing nations the central banks are curbed in foreign expenditure in order to minimize inflation. They have limited capacity to provide guarantees to foreign companies or governments. CT's programs are designed to accommodate realistically the ability of the receiving government to support the payment schedule over the term of the commercial lending available to it to pay for CT's projects.

Please see the attached Commercial Business Plan, Profit/Loss Profile and Contract List for further details of this seed money plan to maximize the utility of investment. The Profit/Loss Statement shows how a US$10 Million investment will result in over $60 Million in value in contracts.

THE CT GROUP PLEDGE

CT has designed its materials and delivery systems to maximize the benefit of its products to the end-users in developing nations. Technology transfer is inherent in CT's programs, and a focus on common good is the governing principle of it's operations. Although CT is a commercial enterprise, there is also an abiding spirituality to the enterprise in which it engages. There is a respect for all peoples and the environment, and an obeisance to God in helping our fellow human beings to improve their lives, that is at the root of the CT Group philosophy.

CT Group pledges to continue to uphold these humanitarian and spiritual principles throughout all aspects of its operations.

ctgroup@canstar.net
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