Bushell Investment

Group Asset Based Bond

5% annual return

NOT FOR DISTRIBUTION TO OR WITHIN THE UNITED KINGDOM OR THE UNITED STATES

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 CONTENTS Bushell Investment Group
Company Overview
1. Important Notice to Investors

In 2008 Lee Bushell founded

Guardian Jewellery, which became the

largest buyer of gold in Europe, with a

presence in 6 European Countries.

2. Investment Property
Within the first 12 months of trade,

annual turnover grew from a standing

start to circa £100 million. Exiting this

business in 2011 gave Lee the

platform to invest in a wide range of

3. Bushell Investment Group Bond -
businesses and create the Bushell

HCM Exclusive Investment Group.

The last three years have seen rapid

4. Comparison growth for the Bushell Investment

Group with an annual EBITDA moving

from £1m in 2018 to a forecast £8m

in 2021 (during the year of the Covid

pandemic). This is set to grow by a

5. Investment Process further 20% year on year based on the

current businesses in the group.

However, we would look to turbo

charge this if more businesses are

purchased.
6. Company Advisors

Current estimated value of the

shareholdings of the Bushell

Investment Group of circa £60m.

7. Bushell Investment Group Team

Bushell Investment Group's

Key Values
We care
8. HCM Team

We are curious

We connect

9. Contact us We are committed

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Important Notice to Investors

This document assumes you have a clear understanding of investments of this kind and is provided for

information only. Nothing in this document constitutes investment, legal, accounting, tax advice or or a

representation that any investment strategy is suitable or appropriate to your circumstances.

The information provided is a summary only. Before making any investment decision you should refer to the

bond documentation and obtain independent legal, tax, accounting or other professional advice, as

appropriate.

Distribution of this document may be restricted by law. Accordingly, this document may not be distributed

in any jurisdiction, except under circumstances that will result in compliance with any applicable laws and

regulations. Any dissemination or other unauthorised use of this information or documents by any person or

entity is strictly prohibited.

This document is not intended as and is not to be taken as an offer or solicitation to purchase or sell

securities or debt instruments in circumstances that would be unlawful.

The information provided is believed to be materially correct as at the date of issue, no representation or

warranty is given as to the accuracy of any of the information provided. Furthermore, no representation or

warranty is given in respect of the correctness of the information contained herein as at any future date.

© Hoxton Capital Management 2018 - 2021 All Rights Reserved www.hoxtoncapital.com

Investment Opportunity

As a company we have circulated over £10m of clients' assets into bond style investments. We have had

unparalleled success with this venture and have been working hard with various companies to make this as

attractive to existing and new members as we can.

Bushell Investment Group have launched a new bond which will yield a fantastic return of 5% per annum

for a period of 11 months and 30 days. The interest from the bond will be paid monthly and as such will

provide a 5% return over the period. The bond is a robust, asset backed investment suitable for many of our

HNW investors.

Currently, fixed deposit rates to investors are yielding an extremely low maximum of 1.86% per annum fixed

for 5 years. This is making investors and deposit holders seek alternatives for their savings and surplus

earnings.

As advisers, we need to ensure that our clients are obtaining the best possible outcome and maximising the

returns that they are able to achieve to help ensure their futures are protected. We have developed a trusted

relationship with Bushell Investment Group to bring the best possible outcome for our clients.

Bushell Investment Group invests in various household brands and UK real estate secured by a legal charge.

This legal charge held over the assets is held in trust on behalf of a bondholder, making it an involatile asset

backed investment suitable for our HNW investors.

Key points to note

Bushell Investment Group invests in UK real estate with a maximum LTV of 75% secured by legal

charge

Investors are entitled to a fixed rate of monthly interest regardless of financial market volatility

Bushell Investment Group has paid 100% capital and interest due, on time to all bond holders

This is an incredible investment and one that if you have any surplus funds that

are not yielding anything in the bank, would make for a great return. The minimum

investment is net £25,000 and there are no maximums. This is for cash assets

only and cannot be held on life company platforms or within pension funds.

A message from Managing Partner, Chris Ball

© Hoxton Capital Management 2018 - 2021 All Rights Reserved www.hoxtoncapital.com

Bushell Investment Group Bond - HCM Exclusive

Income Frequency Monthly

Interest Rates 5% per annum

Asset Backed Bonds are asset backed invested in UK real estate and companies

Term of bond 364 days

Types of property Residential and/or commercial

Loans are typically repaid via sale of the asset charged or

Use of capital
refinance of the security or other assets owned by the borrowers.

Redemption of capital 29th of November 2022

Minimum investment £25,000

Maximum investment £10,000,000

Bushell Investment Group's Business

Bushell Investment Group invest in businesses where they can add value and see the long term growth

potential of the people, products and services and nurture their business partners to thrive and grow after

acquisition.

Bushell Investment Group are small enough to be entrepreneurial, agile, straightforward and personable.

They want their businesses and leaders to thrive and Bushell Investment Group learn, support and coach

them to succeed.

© Hoxton Capital Management 2018 - 2021 All Rights Reserved www.hoxtoncapital.com

Comparison

We have provided rates of return from other fixed income producing assets that are currently available in

the market. All of the below information is as of November 2021.

The Bushell Investment Group bond is able to offer significantly larger returns to investors than traditional

fixed deposits due to the nature of its business.

Fixed deposits are currently used to primarily fund loans to individuals and corporates, similar to how

Bushell Investment Group operates.

It is important to note that the Bushell Investment Group investment is a corporate bond, which is different

to a fixed deposit. Bushell Investment Group is also not a UK Bank and investors are not entitled to FSCS

protection. BIG does own a bank within its group holdings.

Best Fixed Deposit Rates in the UK

Name Rate - per annum Term

Bushell Investment Group Bond

364 days
5%

ATOM Bank 5 years

1.86%

Al Rayan Bank 3 years

1.81%

Secure Trust Bank 5 years

1.8%

QIB UK 3 years
1.77%

JN Bank 5 years
1.75%

PCF Bank 5 years

1.65%

Based on the above an investment in a 364 day bond with Bushell Investment Group of £100,000 would

provide a total return of £5,000.

Based on the above an investment in a 5 year fixed deposit with ATOM Bank would provide a total yearly

return of £1,360.

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Investment Process

The process for
investing in the Bond is
simple. The general
steps are as follows:
Step 1
Review the IM (Information Step 2
Memorandum) document, ask
Once you have decided to
any questions you may have
proceed, you should request an
and take any professional
Application Form and follow
advice (financial advice, tax,
legal) that you may require
the required steps to complete

and return your application.

before making an investment

decision.

Step 3
Step 4
Step 5
Your Application will be
Once your funds are received
reviewed and processed At the end of the term (or
and accepted, your investment
(subject to various criteria earlier at the discretion of the
is live. Investors will receive an
being met). In addition, AML Bond issuer) your invested
investment certificate and
(AntiMoney Laundering) capital will be repaid.
interest payment schedule.
checks will be conducted.

Bond advantages

No large deposits

Fixed yields (Paid monthly directly into your bank account)

Investing with market professionals with a proven track record

Invests on an asset backed secured basis

Low entry investment levels of £25,000 upwards

No hidden charges or solicitor fees

Tried and tested management team with 100% capital return

Tax Treatment

As the bond length is less than 12 months, withholding tax of 20% will not be applied to any interest paid

by the bond.

If you reside in a country that taxes interest you should declare this on your local tax return filing.

© Hoxton Capital Management 2018 - 2021 All Rights Reserved www.hoxtoncapital.com

Company Advisors

Corporate Bankers Lloyds Bank

Accountants RMY Clements

Corporate Lawyers Penningtons Manches Cooper

Bond Structure

ital
cap
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inve
Ho xton

Bushell
Investment
Group bond
(issuer of bonds)

Corporate Bankers
la
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a
c

Hoxton
ro
ts

investor capital
e
v
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i
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o
tx
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Bushell Investment Group

bond interest payments

Bushell Investment
Investor
Group invests into
Interest
loans secured with

a legal charge

Capital introduction Bushell Investment

Group lending

© Hoxton Capital Management 2018 - 2021 All Rights Reserved www.hoxtoncapital.com

Key risks

The bond is an investment and not a savings account. You receive regular interest payments from an issuing

company (Bushell Investment Group) and return of your initial investment (or capital) back at the end of the

term (maturity or redemption - whichever is consistent). The bond is not transferable and withdrawals are

not permitted before [the redemption date].

Before investing, you must read and agree to the bond documentation for each bond, as these contain the

exact terms and conditions including the interest and payment dates. All investments involve an element of

risk.

Bushell Investment Group, like all businesses, is exposed to external market conditions and may not be able

to pay interest and [capital] on time or at all. You could get back less than you invest. Please remember that

past performance is not a guide to future performance.

While interest payments are not guaranteed, they will accrue which means that any missed payments will

roll-over to be paid to you at a later date, if the issuer has the funds to do so.

The rate of interest you receive is fixed rather than by reference to an underlying index or assets.

Accordingly, a rise in interest rates may adversely affect the relative returns that the bond offers. Further,

inflation may reduce the real value of the returns over time.

Hoxton Capital and its affiliates and employees cannot and do not provide tax, legal or accounting advice.

This guide has been prepared for informational purposes only, and is not intended to provide, and should

not be relied on for, tax, legal or accounting advice. You are advised to discuss the specific tax and social

security implications of this e-mail, if any, with your own independent professional tax, legal, and

accounting advisors.

This document does not constitute financial advice, all financial advice is personal and before making any

investment decisions you should always consult an investment professional who is regulated to provide you

with the correct advice

© Hoxton Capital Management 2018 - 2021 All Rights Reserved www.hoxtoncapital.com

Bushell Investment Group Team

Lee Bushell Adam Abrams Rob Kerry

CEO Group Commercial Director Investment Director

Lee is a serial investor and Adam has spent the last 16 years With a strong operational

transactor. In 2019 Lee focused on delivering successful commercial background, Rob joined the

turnaround projects, acquiring a and charitable projects which have investment group in 2008 as

third-party logistics business, relied upon a foundation of mutually Managing Director of Guardian

Guardian Warehousing Limited and beneficial partnerships and a Jewellery, creating the processes

latterly the purchase of Supercuts, personal commitment to delivering and systems that facilitated the

Regis Hair Salons and Aldo shoes innovative and cost-effective growth of the business to 400

out of administration. services that meet market demand. outlets across the UK, Ireland,

Germany, Portugal, Spain and

Sweden.

Carla Whelan Jessica Horton

Group Marketing Director Chief of Staff

Carla is an executive level Marketing Jessica joined the team at BIG in

Director with 25 years’ experience. January 2016 and works alongside

She has experience working across CEO, Lee Bushell as his Chief of

multiple sectors and European Staff for the group. Jessica is

markets in plc, private equity and heavily involved in assisting and

large corporates. Key brand communicating with the executives

experience includes Cadbury through any decision-making

Schweppes International, RAC, process, program management and

Lloyds Pharmacy, Westfield and initiative implementation stages.

NFU Mutual.

© Hoxton Capital Management 2018 - 2021 All Rights Reserved www.hoxtoncapital.com

Hoxton Capital Management Team
Chris Ball
Partner
Chris started his career as
a tax adviser in 2004 with
KPMG. After accumulating
over 14 years of
experience servicing
clients in both the UK and
the GCC, he founded
Hoxton Capital
Management
Nabeel Ashraf
Partner
Nabeel is a partner, and a
financial adviser with over
15 years of experience.
Nabeel begun his career
in finance with an
economics and business
management degree, and
progressed with various
qualifications.
© Hoxton Capital Management 2018 - 2021 All Rights Reserved
Matt Dean
Partner
Matt has been in the
finance industry for over
11 years and held various
directorship roles during
that time.. He is one of the
founding members of
Hoxton and is determined
to continue building his
hones and holistic-based
approach to his network of
clients.
Andru Donatelli
Legal Counsel
Dru has many years of
broad-based legal and
executive experience,
having also worked for
major corporations in
management capacities.
Dru has presented to and
trained thousands of
financial advisors
nationally in the areas of
business, financial
planning.
Moheen Ahmed Kareem Rathore
Partner Partner
An experienced Partner Kareem has worked in the
and Independent Financial industry for nearly 10
Advisor with a years, the experience and
demonstrated history of knowledge I have gained
working in the financial from servicing clients is
services industry. second to none. He also
Qualified UK Pension has completed a UK Level
Transfer specialist with a 4 Qualification from the
key focus on assisting London Institute of
clients globally to Banking and Finance,
understand their options FSRE and attended Brunel
and choices relating to UK University.
pension and investment
assets.
Alan Turner Paul Tate
Marketing Director Director of Operations
and Compliance
Alan leads the marketing
& digital development Paul started his financial
function at Hoxton Capital, services career in 2011 at
bringing with him two Standard Banks subsidiary
decades of experience in Liberty Life. Paul has been
associated roles. Alan in the international
joined Hoxton Capital in financial services market
Abu Dhabi in November since 2015.
2018 to create industry
change.
www.hoxtoncapital.com
 For world-class advice and expertise,

contact us today. Our British trained

advisers can help you on your path

to financial freedom.

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