If you wish your assets to be managed by professionals for your benefit, we offer you using discretionary asset management and investing money in individual investment programmes.

Features of individual asset management programmes

Programme name	Emerging Markets Bonds	High Yield Bonds	Stocks
Target audience	Investors willing to receive higher return than deposit income, given moderate risk	Investors willing to receive much higher return than deposit income, given balanced risk	Investors willing to take risk in order to receive considerable return on investment
Portfolio currency	EUR, USD	USD	EUR, USD
Minimum investment amount	5 000 000 EUR or USD	5 000 000 USD	1 000 000 EUR or USD
Description	Moderately conservative investments aimed at achieving long-term capital growth	Moderate investments aimed at achieving long-term capital growth	Moderately aggressive investments aimed at achieving considerable capital growth
Investment policy	Assets are invested in medium-term and long-term government and quasi-government debt instruments of developing countries in various regions of the world	Assets are invested in short-term and medium-term debt instruments, the performance under which is secured by corporations and financial institutions of the CIS states, as well as commercial companies of other countries, with a speculative credit rating or without a credit rating	Assets of the fund are invested in ETFs and other instruments traded on the US and European stock exchanges, which represent the value of stocks, as well as the value of particular sectors of economy of various countries, or in stocks of particular companies which have essential share in the main index of the chosen country
Recommended investment period	Not less than 1 year	Not less than 2 years	Not less than 1 year

Besides individual asset management, we can offer you a comprehensive set of our asset protection services.

• Financial instruments valuation methods

  For financial instruments valuation, prices quoted at active markets are used, which best represent fair value. A financial instrument is considered listed at active market where price of the same is freely and regularly available in the information provided by stock exchanges, traders, brokers, industry groups and regulatory authorities.

  For trading, financial instruments acquired for the customer are accounted at their purchase price, and thereafter those are daily revaluated at fair value, considering the profit and loss calculation result to be the result of debt securities revaluation.

  To represent fair value of debt securities, BID prices from Bloomberg BGN as at the closing of the previous business day or the price of the last transaction are used, provided the last transaction is made not more than 5 days ago. If the last transaction is made more than 5 days ago, the information obtained from market research is used.

  To represent market price of exchange-traded futures contracts, closing prices of the stock exchanges at which these particular contracts are traded are used. Each business day, futures contracts are revaluated at fair value, using database of Bloomberg information system.

  To represent market price of stocks, quotations of the stock exchanges at which those stocks are regularly traded are used, using BID prices of Bloomberg information system as at the closing of the previous business day. If BID price of Bloomberg information system is unavailable or impossible to use, TRADE price may be used.

• Income from Capital and Capital Gains Tax

• Additional Information for Customers

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