1. Fixed Income Fund

2. Benefits of the Fund The expected return considerably exceeds deposit rates Rietumu is directly involved in the Fund activity and shares all the risks with its clients Deposits in Europe Deposits in Rietumu Fixed Income Fund

3. General Information Initial offering – USD 15 000 000 Expected return - 5-7% (net of all commissions and fees) Minimum investment – USD 75 000 Geographical focus - global A lending option of up to 70% of the stake at 3% per annum Types of securities - corporate and government bonds A weekly quotation allows of evaluation and immediate sale of the stake at any time

4. Liquidity of the Fund Rietumu`s bonds screening criteria ensure optimal balance between profitability, reliability and liquidity of the Fund Current profitability rates of the company allow for repaying the debt in less than two years Debt to capital ratio of the company should not exceed 60% High solvency of the companies Current profit of the company exceeds all the interest payments more than three-and-a-half times OTHERS

5. Liquidity of the Fund Rietumu`s bonds screening criteria ensure optimal balance between profitability, reliability and liquidity of the Fund 80% of the Fund assets are issued in the amount exceeding USD 500 000 000 and 20% - in the amount exceeding USD 100 000 000, proving the high liquidity of the instruments High liquidity of the companies Average maturity of the securities does not exceed six years

6. Rietumu`s bonds screening criteria ensure optimal balance between profitability, reliability and liquidity of the Fund Currency Diversification USD bonds – 40-70% of the Fund EUR bonds – 15-30% of the Fund Other currencies – 5-15% of the Fund Liquidity of the Fund

7. Rietumu`s bonds screening criteria ensure optimal balance between profitability, reliability and liquidity of the Fund State, industry and issuer breakdown Securities representing one particular industry do not exceed 25% Government bonds of one particular country do not exceed 25% Securities of one particular issuer do not exceed 5% Liquidity of the Fund

8. Rietumu`s bonds screening criteria ensure optimal balance between profitability, reliability and liquidity of the Fund Industry Diversification Liquidity of the Fund

9. Rietumu`s bonds screening criteria ensure optimal balance between profitability, reliability and liquidity of the Fund State Breakdown Liquidity of the Fund

10. Thank You!