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COMPLIANCE FACTS: The recent attack on UBS and numbered accounts has led many U.S. investors to close accounts in offshore banks and trusts. These accounts were used to shelter income and in some cases, avoid paying taxes. With the UBS scandal and subsequent discovery of unreported cash, gold and diamonds flowing in and out of the U.S., the IRS and Federal Government have turned up the heat on banks in Switzerland and other nations supporting offshore banking. Investors must carefully decide how to handle these trends. At BTUWorldBank, we believe there are better alternatives than attempting to avoid paying taxes using illegal tactics. These include: Investing in well designed projects which produce sufficient revenue to offset current tax liabilities. Normally, the additional revenue will cause an increase in taxes owed (life could be worse than earning more), but in the case of renewable energy, there are many tax credits available that can eliminate your tax liability. Leveraging capital which produces much higher returns, so that the taxes owed become insignificant compared to the additional revenue. This is similar to method A above, except the leverage produces even higher returns. Just as method A describes, the tax credits mandated by congress that benefit many renewable energy projects means that although you're earning more, you still have no tax liability. Transferring capital to offshore accounts that do not cooperate with the IRS. While this practice is still possible, there are some distinct disadvantages and trying to cheat the IRS out of taxes owed instead of earning more and simply paying the taxes also cheats you out of the additional income. There are smarter ways to avoid or reduce your tax liability than opening accounts in foreign nations where you believe you will be able to shelter the income, often at the risk of being arrested for avoiding paying taxes. BTUBANK maintains a list (available for investors and depositors) on which nations offer the best tax advantages, numbered accounts and methods of sheltering income, and in that list we point out those banks in those nations that have an active renewable energy position, which means you probably won't have any legally required tax liability: that's certainly smarter than trying to manage the problem illegally. Saving your cash in an offshore account in a foreign nation that cooperates with the IRS and yet still legally reduces your tax liability to 10% of normal tax levels or less, often to zero. This method, when combined with method B above, is the smartest, legal method of reducing or eliminating your tax liability while avoiding any problems with the IRS. BTUWorldBank can provide you with a list and method to help you determine which region or nation is best suited for your offshore account and which ones cooperate with the IRS, yet still allow you to pay little or no taxes to the IRS and do so legally. There is also a class at www.kwhexchange.com/classes.html?per-101 that covers this topic and others related to investing in renewable energy, opening a CD account that benefits from renewable energy projects and methods of reducing or eliminating taxes on income from renewable energy projects. Before placing your money in a 'hidden account' that could be subject to seizure or subject you to arrest, we strongly suggest you consider legal methods of reducing and eliminating tax liabilities, generally through prudent investments and banking practices related to renewable energy. COMPLIANCE AT THE BTUBANK LEVEL: BTUBANK branches are typically owned by investors who form a Board of Directors and charter their own branch. For more information on how you can be part of a new bank, please visit our parent company. Compliance of each branch is subject to state and national laws related to the location of the branch. Select the Locations/Deposit link at left to find a branch near you. Project funding compliance is also related to the region where a renewable energy project is located. As a rule, BTUBANK does not accept 'investments' in renewable energy projects, rather we encourage investors to open a new branch office, then once legally chartered, begin accepting deposits while funding renewable energy projects in their region. CD Interest Rates paid by BTUBANK branches generally start at 10% per annum and go up, depending on the bank's location and return on investments for projects that branch is funding. Since BTUBANK locations fund projects that typically have a ROI of 20% or higher, paying a 10% rate on CDs is possible and shows both our long history and industry savvy in the energy and utility sectors, and our focus on providing depositors with a large portion of the profits earned from loans made by our individual branch offices. Shariah compliance: BTUBANK recognizes that many investors require banks to operate in compliance with laws that are outside of the scope of U.S. and European banking regulations. Those foreign branches that are investing on behalf of Shariah Compliance Standards, which are typically owned by Islamic oil and SWF interests, comply to the regulations on the following page.

The Team at BTUBank enjoys a long relationship spanning over 20 years, designing audit and banking systems for a number of U.S. and European Banking Institutions and international corporate customers engaged in diversified business activities, in all spheres of the global economy. We provide viable and tailor-made products and services to private and public sectors' corporates in line with our profound belief in long-term relationships with our valued customers. Our corporate banking activities operate from the project-specific regional offices located around the world.. Our home office is in Bahrain, where we are able to provide experienced, knowledgeable and caring relationship managers, to develop solutions to our customers for their trade finance, contract finance, project finance, forex / derivatives and other products. In order to meet the specific and sophisticated needs of our customers, we have specialized departments engaged in Structured Finance and Syndication, Islamic Finance and Corporate Finance activities, who have been market leaders and are actively involved in their respective areas of activity. Through a vast network of correspondent banks and support from international banks affiliated with CALYON (one of the ten largest banks in the world), we provide our customers with very efficient international banking services for trade and fund transfers. Affiliation with CALYON also makes it an ideal partner for cross border transactions and deals involving multinational corporations. Products and Services include: Trade Finance All the international and domestic trade transactions are serviced through our Regional Bills Departments in the specific project region, which are well known for their expert quality service amongst our large number of highly satisfied customers and correspondent banks. Contract Finance We cater to the complete needs of our large number of contracting customers engaged in diversified engineering, construction as well as operations and maintenance contracts. Structured Finance In order to work within the requirements of the large industrial and commercial projects, BTUBank offers services relating to financial advisory, project/structured finance and syndicated loans. We have been involved in corporate planning, package structuring and arranging a number of deals especially in the construction and the industrial sectors since the early 1980s. Islamic Finance We are increasingly involved in providing a full range of Shariah compliant modes of financing. Working closely with its clients, we are becoming a leading model in Structured Asset Finance by developing and executing a diversified portfolio of securitized transactions. Advisory Services With a strong local presence, an in-depth knowledge of the banking and commercial environments in Saudi, Bahrain and Moroccan commerce, and the track record of its Corporate Finance team, BTUBank is ideally suited to provide comprehensive solutions that meet the full range of complex and closely interrelated requirements of a modern enterprise. Correspondent Banking Financial Institutions Department (FID) manages the Bank's relationships with other international and domestic banks as well as non-bank financial institutions. Treasury BTUBank is a market leader in the fields of Forex and Interest Rates Derivatives. Our Products and Advisory Services to our corporate and individual customers are tailored solutions designed to deliver both a means to maximize profitability and to hedge exposure to global market risks.