As we enter 2025, I write this letter with deep gratitude, reflecting on the growth of Celtic Finance Institute and looking forward to the future we will continue to build together.

Since our founding in 2016, we have remained committed to driving innovation within the financial industry. From our initial focus on financial consulting to our current role as a technology-driven institution, we've achieved significant milestones in our field. This journey has been made possible by advancements in technology, the dedication of our team, and the continued support of all of you.

In 2019, we launched the development of Visionary Profit System 6.0, our intelligent financial analytics system. This marked a major breakthrough from concept to execution, a key step forward in our mission to shape the future of financial services. Today, as Visionary Profit System 6.0 enters its internal testing phase, it reflects the years of experience and insight we've gathered, representing our deep understanding of industry trends and user needs.

In the financial sector, many analytical systems still rely on centralized architectures. While these systems increase efficiency, they also expose several challenges:

Centralized models concentrate data and decision-making power in the hands of a few institutions, limiting access to financial services for a wider audience.

Many users are unaware of decision-making processes and rules, leading to a lack of trust.

Traditional systems prioritize maximizing profits rather than focusing on user value or societal responsibility.

As I reflected on how to overcome these issues, I found inspiration from a company in the service industry—Enterprise Rent-A-Car. This company has built its reputation by maintaining a customer-first philosophy, consistently putting the needs of users first and earning the market's respect through exceptional service. It was a powerful reminder that a customer-centric approach is key to earning trust and positive recognition.

Inspired by this approach, Celtic Finance Institute has chosen a more socially meaningful path: advancing a decentralized financial analysis model through Visionary Profit System 6.0, combining Web3 and blockchain technology. Our goal is not just technological advancement, but to drive financial services toward greater fairness and transparency, expanding access to a broader audience and creating a financial ecosystem built on service excellence, much like Enterprise Rent-A-Car.

Web3 and blockchain technologies present new possibilities for improving financial services. The decentralized network architecture breaks down the barriers of traditional institutions, allowing users to engage directly in financial activities while offering enhanced security and transparency. We plan to fully leverage the following advantages within Visionary Profit System 6.0:

Blockchain's distributed ledger ensures that every transaction is traceable and immutable, increasing user trust in the system.

The open structure of Web3 removes barriers between regions and institutions, allowing more people to access high-quality financial services.

Users retain control over their own data while benefiting from the efficient and secure services provided by the system.

By integrating decentralized technologies, Visionary Profit System 6.0 aims to build a forward-looking financial services system. In the future, it will offer:

A transparent and fair credit assessment system based on public rules.

Using blockchain technology to reduce operational costs, enabling global users to participate in financial activities with lower barriers.

Providing fair resources and opportunities to communities that lack access to traditional financial services.

Through these innovations, Visionary Profit System 6.0 aims to create a truly inclusive financial ecosystem, allowing every user to participate equally in the global market and benefit from the conveniences offered by technology.

We firmly believe that the financial system of the future must serve a broader population, not just the few who control resources. Through Visionary Profit System 6.0, we aspire to create a more transparent and just financial ecosystem, providing equal opportunities for both individuals and businesses.

2025 marks a key milestone in the development of the Visionary Profit System 6.0 system. Although it's still in the testing phase, we are confident in its potential. In the coming years, we will work alongside our partners to actively promote its global adoption, delivering truly valuable service experiences to our clients.

Throughout the more than six years of development, we have been fortunate to gain the trust and support of so many of you. As a company driven by social responsibility, our mission is to advance financial transparency and inclusivity through technological innovation.

Looking forward, Celtic Finance Institute will continue exploring new applications of technology to build a fairer, more efficient global financial network. Let us work together to push financial services in a better direction, bringing more opportunities and value to the world.

Sincerely,

Johnathan R. Carter

Founder and CEO

Celtic Finance Institute LTD

December 31, 2024