From 1st January 2008, all Total Financial Solutions Advisers are allocated shares based upon their contribution to the group via a margin rebate equity swap arrangement. All new margin earned from 1st January 2008 will be swapped for shares in TFSA Holdings Ltd. Any existing margins an Adviser receives when joining are kept by the Adviser and may be swapped for equity at their discretion. To facilitate the development and growth of this model, we have established competitive rebate arrangements with many market leading product manufacturers in the areas of risk and investment. Total Financial Solutions Advisers may buy further shares at any time.