## Executive Summary Money Protects Capital Limited (MPCL) provides qualified investors with **direct access to UAE property-backed structured products** — an asset class historically reserved for banks and sovereign funds. Through MPCL's DFSA Category 3C license (CL7741), investors deploy capital into secured, yield-generating facilities with full DLD title protection and regulatory oversight. ## The UAE Property-Backed Opportunity - **AED 432B+** total real estate lending market. - **5–8%** annual rental yields on prime UAE freehold assets. - **Zero capital gains tax** and **zero income tax** jurisdiction. - **Robust legal framework**: DLD title registration, DIFC courts for dispute resolution. - **Currency stability**: AED pegged to USD since 1997. ## Investment Structure ### How Your Capital Works 1. MPCL identifies mortgage portfolios or individual property assets requiring settlement or equity release. 2. Your capital is deployed against secured property with **first-ranking DLD lien rights**. 3. Returns are generated from negotiated settlement discounts (captured upfront) plus ongoing portfolio yield. 4. Capital is returned at facility maturity with all accrued returns. ### Your Commercial Terms Your specific rate, tenor, LTV, fees, and ticket size are detailed in the **Commercial Terms** section below — customised to your investment profile and negotiated directly with MPCL's structured finance team. ## Risk Mitigation - **DLD Title Security**: First-ranking charge on UAE freehold property. - **Equity Cushion**: Minimum 20% borrower equity at all times. - **Independent Valuation**: RICS-accredited firms at inception and quarterly. - **DFSA Oversight**: Full prudential regulation, segregated client accounts, external audit. - **Professional Indemnity**: Comprehensive insurance coverage. ## Investor Classes Served | Class | Typical Ticket Size | Preferred Tenor | |-------|-------------------|-----------------| | Family Offices | AED 10M – 50M | 3–5 years | | UHNWI | AED 5M – 25M | 3–5 years | | Private Equity | AED 25M – 100M+ | 5–7 years | | Venture Capital | AED 10M – 50M | 3–5 years | | Fund Houses | AED 50M – 250M+ | 5–10 years | | Royal Family Offices | AED 50M – 500M+ | 5–15 years | ## The MPCL Advantage - **DFSA License**: Your investment is structured within a fully regulated framework — no special-purpose vehicles in opaque jurisdictions. - **Direct Property Exposure**: Your capital is backed by physical UAE real estate, not derivatives or synthetic instruments. - **Institutional Pricing**: Access bank-grade yields without building an in-house real estate lending operation. - **Zero Tax Leakage**: UAE-domiciled structure with no withholding, capital gains, or income tax. ## Process 1. **Introductory Call**: MPCL presents the investment framework and answers questions. 2. **NDA Execution**: Confidentiality agreement for detailed portfolio disclosure. 3. **Commercial Terms**: Custom rate, tenor, LTV, and ticket size negotiated. 4. **Legal Documentation**: DIFC-law governed investment agreement. 5. **Capital Deployment**: Funds deployed within 2 weeks of documentation. 6. **Quarterly Reporting**: Portfolio performance, asset valuations, and return distributions. ## Regulatory Disclosures Money Protects Capital Limited is regulated by the Dubai Financial Services Authority (DFSA) under Category 3C, License CL7741. Registered address: P5-10 Park Tower A, DIFC, Dubai, UAE. This document is for professional clients and eligible counterparties only. Not available to retail investors. All figures are illustrative. Returns are not guaranteed. Subject to MPCL Credit Committee approval. Past performance is not indicative of future results. --- **Contact**: investor.relations@moneyprotects.com | +971 4 333 0181 | moneyprotects.com