1. Basic Financial Intelligence a p r e v i e w by Centre for Financial Intelligence Studies (Cenfis Academy)

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3. What is Financial Intelligence? Definition Financial intelligence is the study of how to create, accumulate and protect residual streams of income. ~ Money Secrets (2008) One who is financially intelligent practises emotional control and financial discipline at all material times. ~ Basic Financial Intelligence (2012)

4. A ground-breaking education This course, as embodied in the definition of financial intelligence, is the first-of-its-kind in the world. The contents of this course has so far not been taught any education institution in any country. A knowledge of this subject will help solve all money problems in the world!

5. What are the money problems today? Individuals More than 90% of the world’s population belong to the poor and middle-class. Corporations 90% of businesses fail within the first 5 years. Countries Many of the biggest countries in the world including the US and Europe are on the verge of bankruptcy.

6. How do we go about solving all these problems? Financial intelligence, as defined earlier, would be able to solve these money problems. Financial intelligence has been used by the richest and most successful individuals and corporations throughout the centuries. A study of this subject, together with the wealth formula, would make individuals and corporations well-informed and motivated to work harder for financial success.

7. Why are definitions important? Before we discuss any topic, we need to have common terms of reference.

8. Problems arising from lack of financial intelligence:- (Factors that affect an employee’s contribution to the Company) More than 90% of population of any country consists of the poor and middle-class. Problems of the poor - worry about loss of income upon sickness or death Problems of the middle-class - worry about debt (housing loans, car loans, personal loans, credit card debt, consumer credit instalments). This results in health problems (hypertension, heart attacks, cancer), marital problems (quarrels, low sex drive and divorce), family problems (lack of time for children), work problems (cannot concentrate, getting upset with colleagues, stress, cheating and fraud). Problems with corporation - lack of steady income and growth, no systems in place like McDonald's (SOP or modus operandi), taking unnecessary risks to ensure growth, fraud and manipulation of accounts. National and international problems - lack of fiscal restraint led to problems in the US (subprime) and Europe (Greece bankruptcy).

9. The Story of Financial Intelligence

10. The Formula for Wealth and Financial Freedom (applicable to personal, corporations and countries) Save and Invest

11. Examples of how the Formula is used (a corporation and an employee’s awareness of factors that contribute to growth and profitability. Systems not only help to cut cost and increase revenue, they allow businesses to grow much bigger and stronger.) Individuals - Property, stocks and business investments such as franchise Corporations - Property (Naza, See Hoy Chan, IOI, PPB, Genting). Stocks - institutions like EPF, Tabung Haji, PNB invest in shares. Business - opening branches, expanding overseas (Genting, Public Bank, Maybank, CIMB, construction companies) Countries - Property 1MDB, 100-storey tower, KLIA, Cyberjaya, KLCC, KL Financial Centre, Infrastructure like highways, bridges, causeways. Stocks - Govt don't invest directly in shares, but through GLCs like EPF, PNB, etc. Business (Petronas, Fortune 500 company) oil exploration Singapore - property HDB flats, infrastructure, airports, invested in casinos, business Temasek.

12. The main factor of business success (predicting correctly what customers need) Statistics 90% of companies fail within the first five years. 90% of companies that survive within the first five years will fail in the next five years. The main reason for business failure is failure in marketing. ~ Money Secrets Marketing is all about having a unique selling proposition or USP. Businesses that succeed have one thing in common – they offer something for their customers that they cannot get anywhere else. Management and staff should work together to ensure that customers continue to enjoy the privilege of patronising your premises. While striving to fulfill customers needs, it is critical that corporations should keep a close eye on what competitors are offering.

13. Why employees don't succeed (Factors that influence how you do your job) Lack of right mental attitude positive thinking and outlook hard-working financial discipline humble and teachable resourceful emotional control - fear and greed low EQ - cannot get along with colleagues Opinions Viruses in our money world Money makes money No risk no gain No big frog theory

14. Improving employees contribution to corporations Integrity – without honesty and integrity, we cannot build a strong corporation Teamwork – is the basis of corporate achievement

15. Benefits of this course The Basic Financial Intelligence course is specially tailored to achieve the following benefits for your staff:- Staff will gain access to a unique education on the basic topic of money, wealth and financial freedom, a subject not taught in schools. This education will enhance the awareness of their roles in the Company they work for. Staff will gain an understanding of the importance of financial intelligence. Better able to manage their own personal finances, so that their daily operations will not be affected. Understand that emotional control and financial discipline are crucial factors for success. Better work motivation. Awareness of the factors of success of the corporation he is working for

16. Benefits of this course (cont’d) Able to understand his role and play a critical part in ensuring his corporation's success. Sense of belonging to the corporation, working hard in building the business for the employer together. Build better rapport and foster teamwork among colleagues. Delivery is through lectures, Powerpoint presentations, class participation, quizzes and debates, case studies and specially tailored games.

17. Financial Intelligence course content Financial Intelligence is a trade mark registered with MyIPO, Malaysia's intellectual property corporation The contents of this course as well as reference materials including books written by the Trainer, Mr Andrew Chia, have all been copyrighted under MyIPO. Course materials are the result of many years of painstaking research into the subject covering a great number of leading authors, international and Malaysian financial icons, mass media articles from CNN, Bloomberg, CNBC, The Star, Straits Times, Fortune and Forbes magazines over a period spanning more than ten years. Cenfis Academy holds the main license of the above training materials. This course has been currently licenced to four other training institutions - Multi-Link Enterprise, Galaxy Connections, Kolej ASA and Christopher Heng & Co.

18. About the Trainer Andrew Chia, MBA, California University FCE, Los Angeles, California U.S.A. is a chartered strategist. He completed the Graduate Certified programme in Business Administration of The International Institute of Chartered Strategists and was admitted as a Fellow Member of the International Institute. Andrew is the best-selling author of Money Secrets (2008), Big Money Big Trouble (2010) and Stock Market Secrets (2011). He has written two other books, Money Lessons (2011) and Born to Speak (2012). His latest book, Basic Financial Intelligence, is scheduled to be released at the end of this year. His first book, Money Secrets, was the only bestseller at the Popular Bookfest 2009 written by a local author. Bookfest is Malaysia’s biggest book exhibition. Money Secrets also won the Dana Penulis Award given by our National Library. Andrew is also a certified trainer with Pembangunan Sumber Manusia Berhad. Andrew started his own business in management and IT in 1987, after working for six years in a bank. He went into business consultancy and has pursued studies in various fields of investment since 1997. He was exposed to various types of business setups, having worked with sole proprietorships as well as public companies. He has been a consultant to many business owners in industries ranging from the service sector to the manufacturing sector.

19. About the Trainer (cont’d) He has been taken to the rural areas of Jengka in the State of Pahang in Malaysia, and Pengkalan Chepa in Kelantan to help develop entrepreneur programmes under the Federal Government. His company also organised business tours to East Malaysia. Headed by the former Deputy Minister of International Trade and Industry (MITI), Datuk Chua Jui Meng, Andrew's company led more than a hundred businessmen from the Peninsula to Sabah in search of joint venture opportunities, particularly in Kota Kinabalu Industrial Park (KKIP). His company also organised the first SMI Conference in Malaysia, which was officiated by the former Minister of International Trade & Industry, Tan Sri Rafidah Aziz, and attended by 2,000 businessmen from East and West Malaysia. Andrew is currently an active investor and financial educator. He manages funds for clients and is a consultant on training and marketing. In 2006, Andrew co-founded CharityMalaysia.com, the first non- profit online donation portal in Malaysia. He is currently also the technical advisor to BigSignboard.com, a web-design portal. If you want more information on the subject of financial intelligence, feel free to contact him at andrew@andrewchia.com or visit his website at andrewchia.com. andrew@andrewchia.com

20. Testimonies Andrew’s Financial Intelligence course is an eye-opener for our senior executive staff. He relates every aspect of business and money-making in an interesting manner while pointing out dangerous pitfalls and useful tips on how to improve our bottomline. This course if unique. ~~ Tsu Siah Wue, Managing Director - First Sierra Sdn Bhd, commodities wholesaler Our staff have benefitted greatly from Andrew’s one-day course on Financial Intelligence. They now have a better sense of belonging, teamwork and comradeship. They are also more aware of how to blend in with our Company’s business and operations strategies. ~~ Mak Weng Kin, CEO - Inso Corporation Limited, international packaging materials solution-provider We did not know Financial Intelligence is such a relevant course for all levels of our staff. It has proven to be very effective in creating a heightened sense of business competitiveness, teamwork and cooperation among all levels of our staff force. We strongly believe that this course should be taught at all business corporations, big or small. ~~ Aziz Kudah, COO - Trilogy Energy Sdn Bhd

21. Thank You Acknowledgements Multi-Link Enterprise, Galaxy Connections, Mr Joseph, Mr Shree, Mr Christopher Heng, Galaxy Public Speaking Academy, friends who assisted in this presentation.