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2013-07-25

INVESTMENT AGREEMENT OF FUNDIOR INVESTMENT LTD

Special Terms and Conditions

Clients (hereinafter called account holder) signing up an Investment Agreement with Fundior Investment Ltd (hereinafter called FIL) authorize FIL to invest on their behalf to the shares of Fundior Investment Fund Ltd (hereinafter called Fund). FIL commits to pay to its clients the agreed return for their chosen investment product for the period they have been invested in the shares of The Fund. FIL holds the Fund shares on its custody on behalf of its account holders. Minimum investment to Fundior Investment Agreement as well the minimum balance hold in there is 10,000 SEK or equivalent in EUR, USD, NOK, GBP, CAD, AUD, SGD and CHF. Fundior Investment Agreement can be signed up both by private individuals and companies. Minimum regular or additional investment is 5,000 SEK or equivalent in EUR, USD, NOK, GBP, CAD, AUD, SGD and CHF. Minimum number of regular investments to be made is two which after there has been reached the minimum balance to be hold in Fundior Investment Agreement. Regular investments are invested to 3 Month Automatically Renewable Fixed Term Account until the total balance reaches the minimum amount to be hold.

INVESTMENT PRODUCTS AVAILABLE WITH FUNDIOR INVESTMENT AGREEMENT

Fundior Cash Account Non-interest bearing transactions account All account holders signed up the Investment Agreement with Fundior Investment Ltd (FIL) have Cash Account as their main account. Cash Account works also as a transactions account showing the transaction history of the account holders Investment Agreement with FIL. All investments made will first be booked to Cash Account and then transferred to the chosen Fixed Term Account on the last day of the relevant month. If there has not been given any other investment order the Cash Account balance will then automatically be transferred to 3 month Automatically Renewable Fixed Term Account. The clients can also request a certain amount to be held on the Cash Account. Vice versa redemptions from Fixed Term Accounts will always be transferred to Cash Account. There is no interest payable to Cash Account. This means that there will not be paid any interest for the short period between the date when new funds have been booked to Cash Account and the last day of the relevant month when Cash Account balance is transferred to some of the Fixed Term Accounts. Transfers into the Cash Account can be made on any banking day. Withdrawals from Cash Account will be paid to the account holders bank account after five days of the receipt of the withdrawal request. Clients can also request payments to be made to an International Payment Card account linked to their Cash Account. The number of withdrawals from Cash Account is unlimited and free of charge.

Fundior Investment Ltd, PO Box No. 83, MaltaPost plc, Marsa Head Office, Triq Hal-Qormi, Marsa, Malta Phone: +356 2778 1240, Fax: +356 2778 0181, Email: customerservice@fundiorinvest.com, www.fundiorinvest.com

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2013-04-27

Fundior 3 month Automatically Renewable Fixed Term Account with Annual Return of 4.00%: The new investment period on Fixed Term Accounts starts always on the last day of the relevant month. Capital and agreed return are automatically re-invested every third month to a new 3 month Account. The number of withdrawals to Cash Account is unlimited and free of charge. Fundior 6 and 12 month Renewable Fixed Term Accounts with Annual Return of 5.00% and 6.25%: The new investment period on Fixed Term Accounts starts always on the last day of the relevant month. When the investment period of 6 or 12 month Fixed Term Accounts ends the capital and agreed return will be transferred to Cash Account. Capital and agreed return can also be requested to be automatically re-invested at maturity with a possibility for re-ordering latest one month prior to maturity. If the account holder has chosen the automatic renewal option for 6 or 12 month Fixed Term Account the investment period ends when the account holder has re-ordered the investment term to end at the end of the ongoing investment period. Fundior 24 and 36 month Fixed Term Accounts with Total Return of 15.00% (equals to 7.25% pa.) and 26.00% (equals to 8.09% pa): The new investment period on Fixed Term Accounts starts always on the last day of the relevant month. When the investment period of 24 or 36 month Fixed Term Accounts with Total Return ends the capital and agreed return will be transferred to Cash Account.

AVAILABLE CURRENCIES AND RETURNS

Fundior Investment Agreement can be signed up in SEK, EUR, USD, NOK, GBP, CAD, AUD, SGD and CHF. The returns are the same despite of the currency chosen. Currency exchange fee of 0.25% of the exchanged amount is added to the normal bank rates and is withdrawn from the Cash Account.

BANK CHARGES AND FEES Bank charges and fees occurring from clients payments to/from FIL accounts are charged from clients Cash Accounts as Banks have charged them from FIL. This concerns also possible transfers to clients payment card accounts. EARLY REDEMPTIONS
The account holders are expected to hold their investment products to the end of their chosen investment period. In case account holders need to redeem their investment product before the agreed maturity they should contact our Customer Service to receive the terms available for early redemptions by the time being.

Fundior Investment Ltd, PO Box No. 83, MaltaPost plc, Marsa Head Office, Triq Hal-Qormi, Marsa, Malta Phone: +356 2778 1240, Fax: +356 2778 0181, Email: customerservice@fundiorinvest.com, www.fundiorinvest.com