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Philanthropy 2.0 ANDBANK Microfinance Fund

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ANDBANK Philanthropy 2.0

Investments with a purpose.

New investments delivering reliable returns.

Achieving a social impact in our regional footprint.

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BlueOrchard: A Leader in Social Impact Investing

A leader in financial inclusion.

Founded in 2001 under the auspices of

the United Nations.

20 million people

60 impoverished countries

USD 3 billion

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Microfinance Fund – By the Numbers

Invests in 84 different financial institutions which specialize in microfinance in

37 developing countries.

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Powerful Social Impact

It is an exciting experience to see how strong

relationships of trust and commitment are built

between these enthusiastic entrepreneurs and

financial institutions.

A community of business women doing handloom

manufacturing in the Colca Valley, a woman in the

city of Arequipa importing scales to local businesses,

or a cattle rancher raising his livestock in the steppes,

are just a few examples of how microfinancing is

assisting local businesses.

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Outperforming Investment

4.30% annual return over the last 15 years An investor who would have invested USD 1million in 2001, would have capital of USD 1.8 million.

1.2% volatility Predictable returns. Lower volatility than bonds.

Diversification No correlation with stock markets: -0.06 correlation with MSCI World index. Money market plus strategy.

*Source: details of the institutional fund factsheet at 30/09/15

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Low Risk Investment

Solid returns

Delinquency rate below 1% due to local expertise

No currency risk

Partner with supranational entities and the World Bank

Short term loans: 18 months

*Source: Institutional fund factsheet 30/09/15

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Effective Philanthropy

200 people will benefit

40 loans 18 months maturity

Over 3 years

I have invested

USD 60,000

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Dividend

Class ISIN Features

ANDBANK EUR LU1252236218 Pays Dividend:

20% Investor

80% NGOs ANDBANK USD LU1252236648

Class P ISIN Minimum

Institucional USD LU0091117944 10.000

Institucional EUR LU0164081316 10.000

A dividend will be paid annually if the return is favourable.

An independent advisor provides a list of NGOs and social

enterprises which is then given to the investor to choose how the 80% dividend is redisbursed.

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Prospective Local Partners

Brazil

Programa Vivenda

Panama

Esperanza Social Venture Club

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ANDBANK Microfinance Class

Features

Domicile Luxembourg

Vehicle BlueOrchard Microfinance Fund SICAV Part II

Base Currency

USD (Currency Hedged)

Share Class USD/EUR

Minimum Investment

25.000 EUR/USD

Liquidity Monthly

ISIN LU1252236218 (EUR) LU1252236648 (USD)

Platforms Allfunds/Inversis

The Fund is quality certified by:

Independent, non-profit agency, which gives a

seal of quality to funds that make Responsible

Investments.

It certifies correct protection of

microentrepreneurs, confirming that the

financing terms are in line with the established

standards.

Initiative supported by the United Nations that

certifies that the reports issued by the fund

comply with the principles of Responsible

Investment established by the UN.

Good Governance

Quality Seal

Microenterprise Protection

Legal Disclaimer The information presented in this document is for information only. This document may not in any way be considered as an offer or proposal for sale of the products or financial instruments that may be mentioned. All information contained herein is indicative and may not be considered as the only relevant factor in the decision for making a particular investment. This document does not, therefore, analyze any other determining factors for properly appraising the decision to make a specific investment, such as the risk profile of the investor, his/her knowledge, experience and financial situation, the duration or the higher or lower liquidity of the investment in question. Consequently, investors are responsible for seeking and obtaining appropriate financial advice in order to assess the risks, costs and other characteristics of any investments they wish to make. ANDBANK expressly disclaims any responsibility for errors or omissions which could be made in preparation of the document. ANDBANK reserves the right to modify the contents of this document, fully or partially, at any time.

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