Plan “B” for Investment allows clients to earn yearly returns on an initial deposit invested over 3 years, while benefiting from life insurance coverage.

• Subscription from July 2^nd till October 13^th 2018.
• Clients are allowed to make further deposits in the escrow account during the subscription period.
• During the subscription period, clients will earn 3.25% interest rate on the escrow account, paid monthly in a current account.

• After the subscription period, the funds are blocked for 3 years.
• Clients will benefit from 5.25% guaranteed annual coupon, subject to taxes (currently 10% tax), paid each November during 3 years, starting November 2019

• During Plan “B” for Investment, the clients will benefit from life insurance coverage.
• In case of natural or accidental death: payment of twice the initial capital to the beneficiary.
• In case of death due to pre-existing health issues: payment of the initial capital and accumulated interests only.
• Exclusions apply.

• Cancelation and total withdrawal are allowed during the subscription period, i.e. till 13/10/2018.
• After 13/10/2018, cancelation is allowed starting the 2^nd year of Plan “B” for Investment.
• In case of cancelation, the returned amount depends on the market value of the investment, consisted of the capital and due interests, minus the taxes, fees, commissions and insurance cost. In some cases, it might lead to a returned amount less than the initial capital.

• Exit fee: $50
• Amending the beneficiary: $10
• Request of a true copy of the contract: $10
• Pledge fee: $30