FREQUENTLY ASKED QUESTIONS.

1.   How can I be sure this is not an internet scam?

You can check with our accountant at Antonio Lopez, Asesoría Bama,

Avenida Guadarranque 198, 11368 Estación San Roque, Cádiz, Spain.

Tel +34-956-786268 or +34-956-786355 Fax +34-956-786137.

BamaFiscal@telefonica.net He will vouch for us and tell you we are genuine and legal.

You could also check with the Spanish Government and with the Junta de Andalucia that we are indeed a registered charity (Asociación benéfica).

2.    What happens if I lend you money and you invest it in an enterprise that goes bankrupt? Do I lose what I have lent you?

No, you would not lose your money because we would pay you back from the profits of one of our other projects. Imagine we used your money to buy an orange grove and one year all the trees were killed by an exceptional frost. We might see that in that year our chicken farm was doing particularly well, so we would pay you back from chicken profits.

3.   What records do you keep of money loaned to you?

When you lend to us, we keep a record of all your details in a register which is kept at our head office. A duplicate of this information is also kept with our accountant mentioned above, Asesoría Bama.

4.   What happens if I die before the money is paid back?

When you lend us money, we ask you who you wish to nominate as a beneficiary in the event of your death. Likewise, if you want to give someone a bonus during your lifetime, you just nominate them as beneficiary during your lifetime and after. This is ideal for example if you want to give a baby a present but dont want him or her to receive it until he or she is an older child. Maybe you want to give a teenager money, but dont want them to have access to it until they are in their twenties or thirties. You can request that we do not repay them before a certain date.

5. Don´t you have a sponsor a child programme like other charities?

Yes we do, and what´s more we feel our programme offers you better value for money, i.e. it is more effective than others and the money really reaches the children who need it. For full details go to www.sponosorachild.info

6.   What happens if I move house?

It is your responsability to keep us informed of your current contact details and also the contact details of your beneficiaries. Likewise, if we change our registered office we will let you know our new address.

7.   Do I have to be paid back in US dollars?

No. You can choose either a dollar or a euro contract. For example, if you pay us one thousand dollars. If you choose dollars, then our obligation to you will be two thousand dollars. If you choose euros and the prevailing exchange rate at the time is 1.25 then we convert your one thousand dollars to euros which will be 800 euros; our obligation to you then becomes 1600 euros. Once you make your choice, you cannot change it later. If you do not make a choice then you will by default be given a dollar contract.

8.   Do you have a proven track record?

Yes we do. Those who lent us money in 2004 and 2005 have already been paid back double what they lent to us. There is no guarantee you will be paid back so quickly; it just depends on the success of the businesses we start or expand with your seed capital. However our reputation is at stake - the quicker we pay back, the better our reputation will be.