Merchant Banking Our capital market is evolving fast, continuously reshaping and opening new horizons to investors.

Keeping pace with these changes, we have been elevating our capacities to meet the demands of changes, to serve the market better. As a merchant banker with foresight in the changes, we have expanded our service horizon of merchant banking by offering a comprehensive range of financial solutions starting from debt to equity through public offering, private equity and corporate advisory service; personalized portfolio investment products. Merchant Banking Services LankaBangla Finance Limited provides merchant banking services in the following areas: Issue-Management LankaBangla provides such services to an issuer company which includes inter alias regulatory compliance, placement arrangement, underwriting arrangement, post issue service, distribution, etc. Underwriting LankaBangla by providing underwriting service offers comfort to the issuing company. Apart from acting as underwriter to public issue, we also act as the Arranger of Underwriting. Merger, Amalgamation and Private Placement LankaBangla recognizes that the merger of two companies may represent the culmination of years of effort by their owners and management. We guide shareholders and management teams through the merger and acquisition process to maximize value and minimize disruption to the business. Portfolio-Management LankaBanglas Portfolio Management service is designed to provide personalized, secure and simple financial solutions for a wide variety of investors who wish to enhance their opportunities while minimizing their administrative burden. Why Us?

Provides the best possible investment avenue for your savings. Creates opportunity to maximize your returns. Provides investment counseling to minimize risk. Broaden the base of investment. Ensures securities dealing promptly and efficiently through the best brokerage house of the country. Provides loan at a reasonable rates to investors with good track record. Simple & hassle free procedure of opening and maintaining account. Provides professional counseling in various Merchant Banking fields. Deputed an experienced professional team to serve the clients.

Our Portfolio Investment Product LankaBangla Finance provides comprehensive non-discretionary portfolio management services including trades execution and margin loan under its Investors Portfolio Account called IPA Scheme. We are capable of executing proper and efficient trades through our subsidiary organization LankaBangla Securities Limited, the largest stock broker of the country.

Major Features of IPA Scheme

Clients shall have absolute discretionary power to make investment decisions from the securities selected and approved by the Portfolio Manager All the securities purchased for the Clients shall remain in lien in favor of the Portfolio Manager Clients will be able to provide easy order submission facility through Fax or E-mail The Portfolio Manager will administer the investments of the Clients and also provide the total custodial services Clients will enjoy trades both at the Dhaka & Chittagong Stock Exchange To facilitate the Clients to enhance their return on investments through leveraging, the Portfolio Manager will extend margin loan to the Clients.

Key Information on IPA Scheme Minimum Investment : Tk. 500,000 (Five Hundred Thousand) only* Maximum 100% of Client's equity, but not exceeding Tk. 20.00 (Twenty) Million only. Margin Loan : Subject to changes in SECs directives and related rules : During the period of trading share securities, if at any given point in time, the clients Margin Call equity comes down to or falls below 80% of the total debt liability, LBFL shall call for additional Margin deposit from the client for maintaining the stipulated debt-to-equity ratio of 1:1*. Subject to changes in SECs directives and related rules Fund withdrawal : a) The client can withdraw the excess fund after maintaining the required debt-equity ratio of 1:1* : b) If the account holder(s) have no debt liability accountholder(s) can withdraw balance fund after maintaining a minimum fund balance of Tk. 10,000 or equivalent market value of securities. Security withdrawal : The accountholder(s) can withdraw Securities only in case of account closing. Designated Broker : LankaBangla Securities Ltd. Corporate Member- DSE & CSE

Fees and Charges * Documentation Fees Management Fee Interest on Loan Brokerage Fee Out-of-Pocket Third party charges

: : : : : :

Tk. 500/= (One-off) 1.50% p.a. on asset value, charged quarterly 15.50% p.a., charged quarterly 0.35% on transaction value On actual basis ( CDBL,SMS etc )

Copyright : LankaBangla Finance Ltd. All rights reserved. Head Office : Safura Tower (Level 11), 20 Kemal Ataturk Avenue, Banani, Dhaka 1213, Bangladesh Site design and maintenance by Aamra Infotainment Ltd.

Prime Finance is one of the leading financial institutions operating in Bangladesh. Our core competencies cover lease finance, term finance, real estate finance, SME finance, public issue of shares, portfolio management, margin loan, share trading etc. The client is the focal point of all our activities. We are committed to providing our client with excellent, innovative and fast solutions across all business segments. We want to be the preferred financial institutions for our clients as they enjoy distinct service culture. Prime Finance holds a leading position in the capital market operations. It is the undisputed number one in providing comprehensive and integrated capital market services. Prime Finance boasts up a broadly diversified business profile. This enables us to offer our clients the full range of services, they expect from a leading financial institution. We are committed to our corporate citizenship, promoting the common good in the community where we operate. We offer our employees excellent opportunities to further their career. We share our success with them through performance related systems of incentives. This helps to foster entrepreneurialism. At the same time, we ensure strict compliance with the ethical principles.

Prime Finance seeks to constantly increase its return on equity for its shareholders, building on a systematic program of value-based management.

NRB BRAC EPL STOCK BROKERAGE LTD will provide Non-Resident Bangladeshi's (NRB) the option to subscribe for IPO and trading shares in the secondary market throughBRAC Bank/HSBS. Features The features of the product will be as follows: an invest into the Bangladeshi Capital Market from anywhere in the world

an Service will be provided by HSBS/BracBank

patriation of capital, dividend and investment profits

an apply for IPOs as well as buy and sell shares in the Secondary. They can use e-mail, fax or phone to issue trade orders to BRAC Bank Limited Who are eligible? All Bangladeshi nationals (Bangladeshi passport holders) who are working/living abroad can open NITA. Foreign passport holders who are originally from Bangladesh are also eligible to open an account. Required documents - for new customers The following documents will be required while opening an account: ed BO account form

ed BO account nominee form

ed Trade account opening form (provided by securities company)

f Attorney

e Agreement

ed NITA account form

an Agreement

ed copy of the valid passport, valid visa

ssport size photographs of the applicant address (utility bill/bank statement copy etc.) income (such as last tax return/employment certificate/contract/recent pay slip)

ed application form and duly signed signature card

opies of passport size photos of the nominee which must be attested on the back by the primary account holder All the above documents must be in English (if the documents are in other language it has to be translated to English) and also need to be verified and attested by any reputed international bank/Bangladesh High Commission or Consulate General's Office. If customer provides the Power of attorney (POA) from abroad, POA has to be notarized by Notary Public and then attested by the Bangladesh High Commission or Consulate General's Office. If customer physically comes to the branches, then customer will provide the POA on Non-judicial Stamp (worth of BDT150.00). Fees and Charges CDBL and Other Charges an Fee: CDBL will charge BDT300.00 + (15% VAT) per annum for maintaining BO account.

ge Commission:@ 0.40% per transaction. Other Charges ve bank will charge according to their charge schedule for providing custodial, NITA, Trade settlement and other services NRB BRAC EPL STOCK BROKERAGE LTD will provide Non-Resident Bangladeshi's (NRB) the option to subscribe for IPO and trading shares in the secondary market throughBRAC Bank/HSBS. Features The features of the product will be as follows: an invest into the Bangladeshi Capital Market from anywhere in the world

an Service will be provided by HSBS/BracBank

patriation of capital, dividend and investment profits

an apply for IPOs as well as buy and sell shares in the Secondary. They can use e-mail, fax or phone to issue trade orders to BRAC Bank Limited Who are eligible? All Bangladeshi nationals (Bangladeshi passport holders) who are working/living abroad can open NITA. Foreign passport holders who are originally from Bangladesh are also eligible to open an account. Required documents - for new customers The following documents will be required while opening an account: ed BO account form

ed BO account nominee form

ed Trade account opening form (provided by securities company)

f Attorney

e Agreement

ed NITA account form

an Agreement

ed copy of the valid passport, valid visa

ssport size photographs of the applicant address (utility bill/bank statement copy etc.) income (such as last tax return/employment certificate/contract/recent pay slip)

ed application form and duly signed signature card

opies of passport size photos of the nominee which must be attested on the back by the primary account holder All the above documents must be in English (if the documents are in other language it has to be translated to English) and also need to be verified and attested by any reputed international bank/Bangladesh High Commission or Consulate General's Office. If customer provides the Power of attorney (POA) from abroad, POA has to be notarized by Notary Public and then attested by the Bangladesh High Commission or Consulate General's Office. If customer physically comes to the branches, then customer will provide the POA on Non-judicial Stamp (worth of BDT150.00). Fees and Charges CDBL and Other Charges an Fee: CDBL will charge BDT300.00 + (15% VAT) per annum for maintaining BO account.

ge Commission:@ 0.40% per transaction. Other Charges ve bank will charge according to their charge schedule for providing custodial, NITA, Trade settlement and other services

ocal Investors

Any individual who is a Bangladeshi national above the age of 18 or any Bangladeshi Institutions qualify as a Local Investor.

BO A/C Opening Bangladeshi National mplete set of account opening forms (pdf) of bank statement

e copy of passport size photograph

nal ID Card/Passport/Ward Commissioner's certificate/Employee ID

Bangladeshi Institutions

copy of photograph of Nominee/Authorized/POA

mplete set of account opening form (pdf) of Memorandum and Articles of Associations of trade license (if any)

d regulations

e copy of passport size photograph of authorized person Depository Services

We extend full depository services that comprise opening and maintenance of BO account, dematerialization and rematerialization of instruments, transfer and transmission of instruments, pledging-unpledging through CDBL.

Trading Services
As we aspire to be one of the leading Brokerages in the country in no time, we have dedicated all our endeavors in developing a solid trading infrastructure. Being founded upon the urge to be the market leader, we have already taken some big strides towards success by establishing spacious trading floor, female trading booths, multiple VIP Trading booths and separate Tele-trading booths. Margin facility - We also arrange margin facilities for clients by teaming up with BRACEPL Investments. In a nutshell, any investor who wants to trade on margin account can avail the same via BRAC EPL Stock Brokerage Limited.

Institutional help desk - Any institution or large investor can avail customized client service through a separate institutional help desk at BRAC EPL Stock Brokerage Limited. Tele/E-mail Trading - As it is not always possible for an investor to visit physically and submit his order, we allow placement of order over Phone and via E-mail. Female trading booth - BRAC EPL Stock Brokerage Limited maintains separate female trading booths to facilitate trading for women investors. VIP trading Booth - Since institutional investors' need seclusion while making their investment, BRAC EPL Stock Brokerage Limited has established separate VIP Trading booth in every outlet.

Client Services
We believe "Quality makes a sale but Salesmanship Makes a resale". Holding this belief as the key criterion, we have formed a fine tuned team of customer service that is composed of a group of fresh business school graduates and veteran customer care personnel who are amiable, efficient and receptive to customers' queries.

Fees & Charges ccount opening Charge "Free"

ment and Transaction costs are inclusive of brokerage commission

erage commission: 0.40%

Who we are?
BRAC EPL STOCK BROKERAGE LTD is one of the first full-service brokerage companies in Bangladesh. On top of our expertise and achievements, we take pride in our strong commitment toward the development of the Bangladesh capital markets. We have unwavering faith in the potential of Bangladesh. We also believe that an efficient, vibrant and transparent capital market strongly contributes to the overall development of Bangladesh. Bangladesh is currently at the initial stage of capital market growth, and we are committed to assist the entry of early movers into a growth-oriented, vibrant, nascent emerging market. BRAC EPL STOCK BROKERAGE LTD has developed a disciplined approach toward providing capital market services, including securities trading, wealth management and corporate advisory services. The foundation for its business is a strong commitment toward investment research. It has a research team that is unmatched in the Bangladesh market.

Product & Services

Despite our late start, we always stay in the top five among 250 brokers in the market. With a young but experienced team of traders, we offer the best trade execution to our clients. We offer the following services:

eficiary Accounts (BO) for individuals

margin lending

institutional investors, both domestic and international

op-gap liquidity support, especially to foreign institutional investors

create and follow an investment strategy

orporate finance advisory services

investment by the Non-resident Bangladeshis (NRBs)

What is Portfolio Management?

A portfolio is a collection of assets that can include Stocks, Bonds/Debentures, Bank Deposits, Government Securities, Real Estates, and Commodities etc. Management of a portfolio is the process of Selecting asset classes and their weights in the portfolio, Maintaining Diversification, Executing trades, keeping records, Researching, Borrowing for leveraging return etc. This process is quite dynamic and requires instant adjustments when the market patterns shift to new directions. Most importantly, to

complete the process sufficient involvement of people with many different skills (i.e. researching, Record keeping etc) must be ensured. There are at least two keys aspects of successful Portfolio Management: Experience of Portfolio Managers, Execution Efficiency. Portfolio Managers are the sole determiners of asset class selection and their respective weights. With their experience they can track attractiveness of different Assets Classes at different market cycles. They maintain connections across many financial institutions and can avail latest developments in the market instantly. The Managers are most often backed by analysts who scrutinize corporate accountings and business policies to reveal hidden investment opportunities. So, the first due diligence action by investors should be researching the backgrounds of the Portfolio Managers. Execution is a second major responsibility ofthe managers. Generally most portfolio managers have in house brokerage facility (or sister concern arrangement like BRAC EPL Investments and BRAC EPL Stock Brokerage) and some don't yet have their proprietary facility or sister concern. Mangers have easy and full access to execution terminals to execute trades at most attractive prices. A very well known prophesy goes like "make profit when you buy". In house execution allows the managers to achieve this target of gaining while buying.

One fundamental issue regarding Portfolio Management is the Legal Discretion or Power to execute trades. There are two broad ways as to how Discretion can be shared: Investor Discretion and Manager Discretion. Investor Discretionary Account has very close resemblance to BO Accounts. At BRAC EPL, Investor Discretionary Accounts is branded as Capedge Accounts. Under this arrangement, full responsibility of buying/selling taking margin and all other critical decisions rests on the investors. On the other hand, another brand at BRAC EPL, Managed Capedge, rests the authority to take all pertinent decisions regarding most aspects of Portfolio Management on the Portfolio Managers. Most Merchant Banks in Bangladesh generally provides only Investor Discretionary Management Services while BRAC EPL and a few others are currently providing both these services.
Understanding the Market:

Understanding The Mechanism of Capital Market in Bangladesh has been all about trying to figure out how a Bull runs. At times when Professionals are puzzled, laymen make thousands by simply throwing at dirt boards. Investors have entered into the market in rally, but didn't make a handful due to lack of understanding. Here is statistic of this rally.

What about the market growth? Market as measured by The DGEN posted around 80% growth in the last one year. This simple statistics alone justify why people should come and join the rally in the market to make some fortune. Below we have presented the DGEN from 2009 January to date. The rise is phenomenal and with a long list of pending IPOs makes the future even more prospective. Unprecedented rise in trading volume in the later half of 2010 is a clear sign of increased focus on capital markets.

We all know about the dynamics of capital market as the experience of 1996 is not a distant past. So investors are advised to remain in touch with professionals in every market situations. To help them with professional advice and management of their hard earned savings BRAC EPL has two basic offeringsNon Discretionary Portfolio Management "Cap Edge" and Discretionary Portfolio Management "Managed Cap Edge".

Products and Services

Initial Public Offering (IPO) Repeat Public Offering (RPO) Rights Issue Direct Listing, etc.

Issue Management and Underwriting of Public Offering

We provide issue management and underwriting services for-

Our issue management services include/ cover:

Capital Restructuring Structuring the size of the public offer Determine issue price

Valuation of the Issuer Company using various techniques of financial modeling Assist in the preparation of relevant documents for public offer Facilitate Private Placement Co-ordinate the work of other professionals, i.e. lawyers, credit rating agencies and accounting firms Ensure compliance with the regulatory authorities Liaising with the regulatory authorities on all issues regarding the public offer Arranging bankers to the issue Arranging the underwriting syndication Products and Services Structured Finance and Corporate Advisory BRAC EPL, with its depth of understanding of the Bangladesh Debt Capital Market- Evolution, Regulations & Regulatory bodies, Relationship with Intermediaries and investors, has developed a unique capability to help companies execute their project financing and debt strategies. Members of the BRAC EPL Structured Finance team have been credited with pioneering unique and innovative transactions.
Our wide range of advisory services in this domain includes:

Advising corporations, institutions and sovereign entities on the structure of new debt issues and the refinancing of existing obligations Advising on debt market opportunities and conditions Arming our clients for negotiations with bankers and investors Sharing our knowledge of the range of potential financiers, their appetite and their attitude to credit, pricing and structure We have the expertise to raise debt and quasi equity through:

Preference shares Loan syndication Corporate bonds Redeemable bonds Convertibles and equity linked products Asset-backed securitization

Products and Services

Private Equity In the recent years, alternative investment asset classes such as private equity have become increasingly important pools of capital in the global financial system. BRAC EPL believes that Bangladeshi companies and entrepreneurs are now willing to take the next step and accept private equity as a means of financing. With economic fundamentals improving, improved political environment due to the recent steps taken by the government, regulatory framework evolving and open dialogues between private and public sectors taking place, this seems to be a good time for private equity investors to look out for opportunities. We provide the following services in this regard: Formulating business plans

Conducting due diligence Attracting and selecting investors Providing legal and institutional support Debt restructuring Creating project document

Products and Services

Mergers and Acquisitions BRAC EPL acts as an intermediary for Bangladeshi/offshore investment and joint-venture transactions, aligning the goals of those who seek and provide investment and joint-venture opportunities in Bangladesh. Our research programs are adept at identifying prospective M&A opportunities, particularly Bangladeshi family-run businesses, non-core businesses within a range of companies, and underperforming public companies. As the buyer's agent, BRAC EPL assists with the development of a bidding strategy, identifies appropriate opportunities and handles due diligence, negotiations and closing. As the seller's agent, BRAC EPL typically prepares a detailed information package, organizes on-site inspections, conducts presentations to prospective investors and over-sees negotiations. BRAC EPL's knowledge of the markets it serves, combined with thorough analysis and documentation, enables the firm to provide clients with the best available information on which to base merger and acquisition decisions.

Portfolio management
What is a "Cap Edge" Account?

BRAC EPL Cap Edge: Non Discretionary Portfolio Accounts

Cap Edge is an Investor controlled account. Investors retain all the authority and power to select the items to buy and sell, and the timing of trade while the portfolio managers assist them with trade execution and continuous advice. Under these arrangement, investors pay management fee and brokerage commissions for trading.

What Services Clients can avail?

Efficient execution of trades Extension of margin loan Collectionof dividend and bonus shares Subscription of the rights issues Completion of dematerialization process Keeping the securities in safe custody Daily Portfolio Reports Access to sectoral and company research Order submission through phone or email

1 Experienced Portfolio Managers

Why BRAC EPL Cap Edge?

You can gain access to sophisticated investment opportunities through our experienced Managers having excellent knowledge of both Fundamental and Technical Analysis. Their decade old experience has enabled them to make excellent market timings. Whatever is your Investment horizon (3 days to 3 years), they have every possible customized advice for you.

2 Excellent Sales and Customer Service

Our Sales and support team is unbelievably faster than you would expect. We have trained our sales/support team to be amiable with you even in the worst circumstance when you are grossly in error. They are empowered to take quick decisions to keep your valuable timing options intact.

3 Fastest Possible Response to Regulatory Changes 4 Economies of Scale

Our Management is fast and flexible. Changes by SEC and other regulators are captured within a single business hour from the announcement. We make sure that our clients are not disadvantaged because we reacted slowly.

We manage a fund that is worth over 7 billion. Service charge is spread around hundreds of accounts. Servicing your account is a zero cost venture for us.

5 4x5 Trading and 24x7 AdvisingServices 6 Disciplined Approach

During Trading hours you can trade any time by calling our private numbers and after trade you can call anytime for advice- this is our 4x5 and 24x7 philosophy

We seek to maintain a level of service quality that is potentially repeatable. So far Our employee turnover has been low and we have employed those who can perform the same task again and again with same level of dedication and accuracy,

7 Prudence and Conservatism

Return Potentials

We care for your long lasting wealth creation at the expense of short term opportunity costs. Take the instance of margin loans: we don't support raising margin ratio abruptly in volatile markets. Some investors misunderstand our true intention and some rare others appreciate. We cant take chance with our investors' welfare.

From a theoretical perspective, capital markets should generate sufficient returns for investors in the long run to keep them motivated to take risk. Return on Investment must exceed what someone can earn from Bank Deposits or Govt. savings certificates. Disciplined and well researched investing can reward investors and vice versa. Unfortunately individual investors have a herd mentality that force them to trade based on noise. Investors too frequently are lost into the abyss of greed. Most people think that they can double their investment in a year. In general Return may take one of following forms*:

Risks and You

When you are in the Capital Market, your main objective is to play with risk. There is not a fixed list of sources of risk that investors typically face; rather the list is continuously evolving with new faces. Cap Edge investors can get into troubles in following situations if they don't manage their risk and greed properly:

Buying a fundamentally strong (or weak ) stock at the peak of a price cycle after which point correction is the only possible direction (in the market slang "holding a Lota") Buying a stock just before a slowing down (in market slang "holding a dry stock") Buying a stock that is awaiting regulatory actions Buying a weak stock solely based on rumors Taking excessive margins and facing margin calls Insufficient Diversification
This list is not exhaustive and new form of risks emerges every day. Cap Edge clients can't get specific risk reduction assistance from the portfolio managers; rather they can indirectly capture the attitude of the managers towards certain types of risk through the advices they provide. Investorsthemselves can take certain measures to mitigate risk: Define Risk Ability: determining the maximum loss one investor is ready to incur (i.e. 20% of initial investment or 2 million at max). Risk Ability is a function of the following factors: impending responsibilities and feasibility of lifestyle. Define Cash Flow Needs: determine how much cash you need in next 3 months, 1 year or 5 year and then accordingly plan your prospective capital gain and dividend incomes. Enforce Self Control: Investors generally lose most when they enter into unknown territory. If you don't understand some businessesi.e. insurance companies then don't invest in those. Try to learn about a company from newspapers, Stock exchange web and fellow investors before buying a stock.

Who are our Clients?

The Investment solutions provided by BRAC EPL cater to a niche segment of clients. The clients can be Individuals or Institutions entities with high net worth. The offerings are usually ideal for investors:

who are looking to invest in instruments like Stocks, Bonds, Mutual funds who desire personalized investment solutions who desire long-term wealth creation who appreciate a high level of service
A sample of our Clients has the followings features:

Average Age of Investors: 28 years Average Experience in Capital Market: 3.5 years Most common Professions: Businessman, Service Holder, Student, House wife, Retired persons. Average Tenure of Account with EPL & BRAC EPL: 1.2 years
Charges & Conditions:

Minimum Investment Taka 100,000 Management Fee: 1.5%* Settlement Fees: .35 per 100 trade value. Lock in: not applicable Availability of Margin: Unconditional and as per SEC directives Margin Interest: 13.75%** Account Opening Fees: Taka 500 (one off)
* calculated daily but charged quarterly ** calculated daily but charged quarterly

Apply for your Cap Edge Account:

Contact person: Mr. Masud Mahmud Deputy Manager BRAC EPL Investments Ltd.

Phone: +88 0173 031 78 03 Email: masud@bracepl.com

BRAC EPL Wealth Max Cap Edge: Non Discretionary Portfolio Accounts
What is a Wealth Max Cap Edge Account?
Premium customers of BRAC Bank are as valuable to us as they are to the Bank.We are glad to treat them in an especial manner. We care about their value of time and money. We have a separate team for these valued customers of BRAC Bank. Services and features available to Wealth Max Cap Edge clients are almost same as the ones available for our Cap Edge clients. We can customize our offerings to some extent for our Wealth Max clients. Please check our Cap Edge page for the features and services and contact our appointed advisor for customized offerings in the following no.

Apply for your Cap Edge Account:

Contact person: Mr. Masud Mahmud Deputy Manager BRAC EPL Investments Ltd. Phone: +88 0173 031 78 03 Email: masud@bracepl.com

Apply for your Wealth Max Cap Edge Account:

Contact person: Mr. Debabrata Kr. Sarker Manager, Portfolio Management Department BRAC EPL Investments Ltd. Phone: +88 0173 031 78 08 Email: deb@bracepl.com

Managed Cap Edge - Discretionary Portfolio Account

What is a "Managed Cap Edge" Account?
Managed Cap Edge is a Portfolio Manager controlled account. Managers rather than the Investors retain all the authority and power to select the items to buy and sell, and the timing of trade while the investors can guide the managers by providing inputs on their return and risk preference. Under these arrangement, investors pay management fee (that is greater than the one in Cap Edge) and brokerage commissions for trading.

What Services Clients can avail?

Portfolio Construction, Monitoring and Rebalancing Extension of margin loan Looking after all affairs with investee companies including dividend collection, right application, meeting attending etc. Acting as a securities custodian Quarterly Portfolio Reports
Why BRAC EPL Managed Cap Edge?

1 In-depth Risk Assessment

We have developed quasi scientific measure to assess your risk appetite and risk taking ability. Accordingly we categorize you as aggressive, moderate or conservative. Your portfolios are designed as per you risk assessment measures.

2 Rigorous Risk Management

Our main risk management tool is diversification. Based on your risk score, we determine a level of diversification that fits with you.Furthermore, we take specific care when we select stocks for your portfolio. Risky stocks from cyclical industries are restricted from inclusion into your portfolio if you are risk averse.

3 Fastest Possible Response to Market Changes 4 Competitive

We continuously monitor the market for hidden opportunities so that your portfolio remains the first in the queue to take the advantage. We have networks across most financial institutions in our capital market. So nothing we can miss for you.

We can confidently let you search for rates in the industry from our competitors. The rates we charge are the minimum in the industry.

Return Potentials
We don't guarantee any return but the highest possible return targets are always in our mind. We understand the value of the long term goals you have and the importance of your managed cap portfolio's performance to achieve those goals. Market is more powerful than us, but still we relentlessly strive to beat the market. Return potential of your portfolio is anchored to market movements. In the recent two years market was in a bull race, grew by more than 60 percent year. This phenomenal growth is highly unlikely to repeat as we understand. A more decent and stable growth of the market in the range of 30% a year can result in a return of your portfolio around 25-50%*.
*this must not be taken by our valued investors as a hint of the return we can achieve for them.

Risks and We
We believe in maximization of wealth through proficient risk management. Any investment carries some level of risk; capital market investment is not an exception. It is sensible to have a full understanding of the risks associated with any investment before deciding to invest. We will give the best possible effort to accomplish with optimum risk adjusted return. We use the following risk management tools for the managed Cap accounts:

Using Quasi Scientific and Behavioral Risk Profiling Carefully screening out junk stocks from the investment universe Properly balancing between Cash holding and Stock position Appropriate ensuring of Diversification within 5-10 stocks Timing Leverage in most opportune time and avoiding leverage in downturns Selection of leverage percentage to avoid Margin calls and Trigger sales Basing Decisions mostly on Industry and Company research commingled with Technical analysis
Investment Methodology
While selecting stocks, we take into account all available opportunities from an investment view and then invest your money in line with that view. We continue to invest in line with that until new opportunity comes to light which causes us to adjust our view. A fundamental analysis approach is preferred over any technical indicators for primary investment decisions; however technical indicators and previous price history will be used to determine our entry and exit points. We may go for months at a time without altering positions in the account, but sometimes will transact more frequently when the market changes constantly and the market presents what we see as being an opportunity.

BRAC EPL Portfolio Team

We pride ourselves in the customer centricity of our entire sales process and our dedicated team of wealth management professionals. These people help us offer product solutions to you that are appropriate, relevant and based on your profile and need.Our team of Relationship Managers and team of investment specialists are supported by our product research and duediligence units and a dedicated in house strategist and economist. Our well-trained and accredited Relationship Managers (BRAC

EPL internal certifications) help you plan your investments with suitable solutions. In addition, we stay abreast of the latest trends and developments through regular training programs and on-the-job guidance by experienced specialists and trainers.

Who are our Clients?

The Investment solutions provided by BRAC EPL cater to a niche segment of clients. The clients can be Individuals or Institutions entities with high net worth. The offerings are usually ideal for investors:

Who don't have sufficient know how and time to mange portfolios who are looking to invest in instruments like Stocks, Bonds, Mutual funds who desire personalized investment solutions who appreciate a high level of service
A sample of our Clients has the followings features:

Average Investment : Taka 1,000,000 Average Age of Investors: 33 years Average Monthly Income: taka 55,000 Average Experience in Capital Market: no experience Most common Professions: Businessman, Service Holder.
Charges & Conditions:

Minimum Investment Taka 500,000 Management Fee: 2.5%* Settlement Fees: .35 per 100 trade value. Lock in: 1 year Availability of Margin: Unconditional and as per SEC directives and client guideline Margin Interest: 14.00%** Account Opening Fees: Taka 1000 (one off) Termination Fee: .5%***
* calculated daily but charged quarterly ** calculated daily but charged quarterly ***in case of fund withdrawal in 1st year

Apply for your Cap Edge Account:

Contact person: Mr. Masud Mahmud Deputy Manager BRAC EPL Investments Ltd. Phone: +88 0173 031 78 03 Email: masud@bracepl.com

BRAC EPL Wealth Max Managed Cap Edge: Discretionary Portfolio Accounts
What is a Wealth Max Managed Cap Edge Account?
Premium customers of BRAC Bank are as valuable to us as they are to the Bank.We are glad to treat them in an especial manner. We care about their value of time and money. We have a separate team for these valued customers of BRAC Bank. Services and features available to Wealth Max Managed Cap Edge clients are almost same as the ones available for our Managed Cap Edge clients. We can customize our offerings to some extent for our Wealth Max Managed Cap Edge clients. Please check our Managed Cap Edge page for the features and services and contact our appointed advisor for customized offerings in the following no.

Apply for your Cap Edge Account:

Contact person: Mr. Masud Mahmud Deputy Manager BRAC EPL Investments Ltd. Phone: +88 0173 031 78 03 Email: masud@bracepl.com

Apply for your Wealth Max Cap Edge Account:

Contact person: Mr. Debabrata Kr. Sarker Manager, Portfolio Management Department BRAC EPL Investments Ltd. Phone: +88 0173 031 78 08 Email: deb@bracepl.com

AB BANK
AB Bank Limited, the first private sector bank was incorporated in Bangladesh on 31st December 1981 as Arab Bangladesh Bank Limited and started its operation with effect from April 12, 1982. AB Bank is known as one of leading bank of the country since its commencement 28 years ago. It continues to remain updated with the latest products and services, considering consumer and client perspectives. AB Bank has thus been able to keep their consumers and clients trust while upholding their reliability, across time. During the last 28 years, AB Bank Limited has opened 77 Branches in different Business Centers of the country, one foreign Branch in Mumbai, India and also established a wholly owned Subsidiary Finance Company in Hong Kong in the name of AB International Finance Limited. To facilitate cross border trade and payment related services, the Bank has correspondent relationship with over 220 international banks of repute across 58 countries of the World. In spite of adverse market conditions, AB Bank Limited which turned 28 this year, concluded the 2008 financial year with good results. The Banks consolidated profit after taxes amounted to Taka 230 cr which is 21% higher than that of 2007. The asset base of AB grew by 32% from 2007 to stand at over Tk 8,400 cr as at the end of 2008. The Bank showed strong growth in loans and deposits. Deposit of the Bank rose by Tk. 1518 cr ie., 28.45% while the diversified Loan Portfolio grew by over 30% during the year and recorded a Tk 1579 cr increase. Foreign Trade Business handled was Tk 9,898 cr indicating a growth of over 40% in 2008. The Bank maintained its sound credit rating in 2008 to that of the previous year. The Credit Rating Agency of Bangladesh Limited (CRAB) awarded the Bank an A1 rating in the long term and ST-2 rating in the short Term.

AB Bank believes in modernization. The bank took a conscious decision to rejuvenate its past identity an identity that the bank carried as Arab Bangladesh Bank Limited for twenty five long years. As a result of this decision, the bank chose to rename itself as AB Bank Limited and the Bangladesh Bank put its affirmative stamp on November 14, 2007. The Bank decided to change its traditional color and logo to bring about a fresh approach in the financial world; an approach, which like its new logo is based on bonding, and trust. The bank has developed its logo considering the contemporary time. The new logo represents our cultural Sheetal pati as it reflects the bonding with its clientele and fulfilling their every need. Thus the new spirit of AB is Bonding. The Logo of the bank is primarily red, as red represents velocity of speed and purity. Our new logo innovates, bonding of affiliates that generate changes considering its customer demand. AB Bank launched the new Logo on its 25th Anniversary year. AB Bank commits to nation to take a lead in the Banking sector through not only its strong financial position, but also through innovation of products and services. It also ensures creating higher value for its respected customers and shareholders. The bank has focused to bring services at the doorstep of its customers, and to bring millions into banking channels those who are outside the mainstream banking arena. Innovative products and services were introduced in the field of Small and Medium Enterprise (SME) credit, Womens Entrepreneur, Consumer Loans, Debit and Credit Cards (Local & International), ATMs, Internet and SMS Banking, Remittance Services, Treasury Products and Services, Structured Finance for Corporate, strengthening and expanding its Islamic Banking activities, Investment Banking, specialized products and services for NRBs, Priority Banking, and Customer Care. The Bank has successfully completed its automation project in mid 2008. It envisages enabling customers to get banking services within the comfort of their homes and offices. AB Bank has continuously invests into its biggest asset, the human resource to drive forward with its mission to be the best performing bank in the country. The bank has introduced Dress Code for its employees. Male employees wear designed ties and females wear Sharee or Salwar Kamiz, all the dresses are consisted with the unique AB Bank logo. AB is recognized as the peoples choice, catering to the satisfaction of its cliental. Their satisfaction is ABs success. Products & Services Retail Banking Corporate Banking SME Banking Project Finance Loan Syndication Lending Rates

Deposit Rates Exchange Rates NRB Banking Money Transfer Islami Banking Investment Banking Cards Locker Service Schedule of Charges

AB Investment Limited (ABIL)

Custodial Service Customers: Investors Who Are Interested to Invest In the Bangladesh Capital Market Non Resident Bangladeshi (NRBs) Foreign Institutional and individual clients Local Institutions Sponsors' group and High net worth client Services: Safe custody of client securities Foreign Trade Execution and Settlement Share transfer in the name of client Complete the Dematerialization process as per client request IPO, Private Placement & Right share subscription as per client instruction with deposit All types of corporate action that includes cash dividend, bonus share and right share collection Open BO account Instant information regarding client securities position as per their request Quarterly reporting to the client by Custodial Department Account Opening Procedure: A. Account Opening Procedure 1. Criteria for opening an account: i. The non-resident investor shall open a NITA (Non-resident investors taka account) with any commercial bank in Bangladesh, with freely convertible foreign currency remitted from abroad through normal banking channel or by transfer of funds from the non-resident investor's foreign currency account, if any, in Bangladesh; ii. Any two Bangladeshi national and Non Resident Bangladeshi of sound mind having a minimum age of 18 years may open two accounts on each in their single name and the other in their joint names.

iii. iv. v.

Account opening absolutely depends upon the management of ABBL. Proper documents should be submitted at the time of account opening. Foreign investor has to open FC account along with NRITA account at the time of custodial account opening.

B. Account opening formalities 1. Foreign Currency Account Opening: i. Duly signed account opening form ii. Submit Name, signature and photograph of the Nominee iii. Transaction profile iv. Signature of an introducer must be incorporated v. Supporting Documents: vi. Copy of the passport vii. Bank statement/ Work permit (in case of NRB) 2. Non-resident Taka Account (NITA) Opening: i. Duly signed account opening form ii. Transaction profile 3. Custodial Account Opening: i. Duly Signed account opening form of Custodial ii. Duly signed custodial agreement (must be signed in all pages) iii. Duly signed Power of Attorney (POA) in non-judicial stamp of Tk. 200/-* iv. Supporting Documents: Copy of the passport Bank statement/ Work permit (in case of NRB) 4. Beneficiary Owner (BO) Account Opening: i. Duly signed BO account opening form ii. Duly signed BO agreement (must be signed in all pages) 5. Brokerage Account Opening: i. Duly signed account opening form with AB Bank Foundation ii. Nomination Form duly signed iii. Agreement with AB Bank Foundation iv. Supporting Documents: v. Copy of the passport vi. Bank statement/ Work permit (in case of NRB) * Note: Procedure of Notarization of Power of Attorney Documents It should be notarized by the Notary Public at the place of its execution, thereafter to authenticated by Bangladesh Embassy, therein and Ministry of Foreign affairs of Bangladesh upon arrival in Bangladesh. Thereafter stamp duty of Tk. 200/- is to be paid in Central Treasury of the Government of Bangladesh through Treasury Challan. Brokerage Service Introduction: AB Securities Limited (ABSL) is a subsidiary company of AB Bank Limited having holding

99.60% shares of the ABSL. Earlier, AB Bank Limited provided stock broking services through Arab Bangladesh Bank Foundation (ABBF) since 2006. Incompliance with Bangladesh Banks directives, AB Bank Limited formed separate subsidiary company under Company Act 1994 in name of AB Securities Limited (ABSL) and shifted its stock broking services from ABBF to ABSL. ABSL started its new journey on 2nd August, 2010 with improved customer service, highly skilled professionals and state of art technologies. Memberships of both Dhaka Stock Exchange Limited and Chittagong Stock Exchange Limited has been transferred in name of ABSL to provide more efficient and professional broking services to the capital market investors. Services of ABSL: AB Securities Limited (ABSL) is one of the countrys leading securities broker houses of Dhaka Stock Exchange (member # 201) and Chittagong Stock Exchange (member # 101). ABSL has started its operation on 2nd August 2010. We have already started our operation in full swing through our corporate head office and Chittagong Branch Office and Chowhatta (Sylhet) Branch Office. We are planning to establish nationwide branch network as well as step into international arena. Services: 1. Brokerage Services: AB Bank's subsidiary, AB Securities Limited, which has corporate memberships on the Dhaka and Chittagong Stock Exchanges, can act as brokers on behalf of local and foreign individual and institutional client to trade in the local capital market. We provide broking services under following categories: a) Individual & Joint Account (Local, NRB & Foreign) b) Institution Investment Account (Local and Foreign) 2. Margin Loan Facilities: We also provide margin loan facility to our valued clients as per desecration of management of ABSL. 3. Stock Dealer Service: ABSL also has the stock dealer license to manage own portfolio as well as can manage reputed institutions portfolio accounts. 4. CDBL Services as full service Depository Participant (DP): As a full service depository participant, ABSL provides following services: a) BO (Beneficial Owner) accounts opening and maintenance. b) Dematerialization & c) Rematerialization c) Freeze (freeze request and release request) and suspensions d) Pledging, unpledging and confiscation e) BO ISIN balances and master maintenance enquiry Lending Rates Products Mid Rate Interest Rate W.E.F May 09, 2010

1) Agriculture 2) Large and medium scale industries 3) Small Industries (Term Loan) 4) Working Capital a) Large and medium scale industries b) Small Industries 5) Export 6) Commercial Lending 7) Housing Loans 8) Consumer Credit 9) Credit Card 10) Finance to NBFI's 11) Others i) Cash Collateral - ABBL FDR ii) Cash Collateral - Other Banks FDR or WDB iii) Women Enterpreneur (Awparajita upto Tk 50.00 lac) iv) Special Scheme Loans - SME Notes:

13.00% 13.00% 14.75% 11.50% 14.50% 7.00% 13.00% 13.00% 16.00% 2.00% per month 13.00% 12.50% 13.50% 10.00% 14.00%

13.00% 13.00% 13.25%-16.25% 10.00%-13.00% 13.00%-16.00% 7.00% 13.00% 13.00% 14.50%-17.50% 2.00% per month 13.00% 11.00%-14.00% 12.00%-15.00% 10.00% 13.00%-15.00%

1. For lending against ABBL FDR, the rate is minimum 3.00% above the rate of the instrument subject to minimum 11.00%. 2. Exposure under cash collateral of other banks requires clearance from FI & Treasury. 3. For taking exposure on "Digun Loan" under Special Scheme, the rate will be 8% above the instruments' rate; subject to minimum 15% p.a. 4. For Women Entrepreneur (Awparajita above Tk. 50.00 lac) under Special Scheme, the rate will be minimum 13.00%.

PRIME FINANCE
5. Fee Based Services - Public Issue of Securities - Underwriting of Securities - Portfolio Management - Merger, Acquisition etc. - Corporate Financial Services - Share Trading Service

6. Fund Based Services - Lease Finance - Term Finance - SME Finance - Real Estate Finance - Bridge/Equity Finance - Sindicated Finance - Hire Purchase - Margin Loan - Work Order Finance - Bill Discounting 7. Deposit Schemes - Annual income deposit - Monthly income deposit - Cumulative income deposit - Double income deposit - Housing deposit scheme - Fortune deposit scheme