CONCORD ASSET MANAGEMENT

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Licensed by Financial Supervision Commission, Bulgaria

License №1/19.09.2005

CONCORD ASSET MANAGEMENT

ALL YOU NEED

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ABOUT US

➢ Number one among non-banking asset management companies

➢ Among top five companies in Bulgaria in terms of assets under management

➢ Solid and reliable partner

➢ 15 years history on the Bulgarian capital market

➢ Innovative products

➢ Varity of products – 7 Funds

➢ Tailor made solutions for your money

➢ Assets under management – more than EUR 65 million

➢ Fastest growing asset management company in Bulgaria in terms of asset under management for 2018 (+26%), for 2019 (+28%).

➢ The Company established the first National Investment Fund in Bulgaria in 2016, which is listed on Bulgarian Stock exchange (ticker: CODA)

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2005 2006 2006 2008 2008 2008 2016 “Concord Fund-1 Stocks and Bonds”

“Concord Fund-2 Equity”

“Concord Fund-5

Central and Eastern Europe” “Concord Fund-3

Real Estate”

MUTUAL FUNDS

“Concord Fund-4 Energy” “Concord Fund–6

Bonds”

NIF “Concord Fund-7

South-East Europe”

Ist_{place in “Capital” Magazine 2018}

(category „Mixed balanced fund“)

IIIth_{place in Investor Finance Forum 2018}

IInd_{place in Investor Finance Forum 2019}

(category „Equity fund – Developing markets“)

(category „Short-term Bonds Fund/ Money market Fund“) IIIth_{place in Investor Finance Forum 2019}

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1 2 3 4 5 6 7

MF Concord Fund 1 Stocks and Bonds

ISIN code: BG9000007054, UIC 131502548

Investing in units of funds is done by transferring the desirable amount to its accumulation account. Holder: Concord Fund –1 Stocks and Bonds, IBAN: BG13RZBB91551060585713. Raiffeisenbank Bulgaria EAD, Reason for payment: Subscription of units.

SRRI of the Fund is 3 (three).

➢ Recommended investment horizon| 1 year

➢ Net asset value | EUR 13 mio

Balanced profile

➢ Up to 50% of the Fund’s assets can be invested in stocks

➢ Up to 60% of the Fund’s assets –in fixed income instruments

➢ Subscription fee: 1.00%

➢ Redemption fee: 0.00%

➢ Management fee: 1.00%

➢ Minimum subscription amount: none

Fees

Performance

➢ YTD: -0.31%

➢ Since public offering (14.12.2005): +4.41%

➢ 1Y: +4.37%

BGN|2005

➢ Ist _{place in Capital rating 2018}

➢ IIIth _{place in Investor Finance Forum 2018}

➢ IInd_{place in Investor Finance Forum 2019}

“Concord Fund

-1

Stocks and bonds”

Portfolio Structure by asset classes as of 28.02.2020

49.25% 34.42%

9.54% 0.63% 6.16%

Equity Fixed Income Units Receivables Cash and Deposits

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1 2 3 4 5 6 7

Concord Fund 2 Equity

ISIN code: BG9000012138, UIC: 175014820

Investing in units of funds is done by transferring the desirable amount to its accumulation account. Holder: Concord Fund –2 Equity, IBAN: BG47RZBB91551060571812. Raiffeisenbank Bulgaria EAD, Reason for payment: Subscription of units.

“Concord Fund

-2

Equity”

SRRI of the Fund is 4 (four).

High risk profile

➢ Up to 90% of assets are invested in stocks and units of the Bulgarian and foreign issuers

➢ Up to 50% of fund’s assets are held in government and corporate fixed income

instruments

Fees

Performance

➢ YTD: -1.19%

➢ 1Y: +1.52%

BGN|2006

➢ Recommended investment horizon | 5 years

76.11% 13.50%

6.98% 0.47%

2.93%

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1 2 3 4 5 6 7

Concord Fund 3 Real Estate

ISIN code: BG9000013060, UIC: 175088136

Investing in units of funds is done by transferring the desirable amount to its accumulation account. Holder: Concord Fund –3 Real Estate, IBAN: BG88RZBB91551060627819. Raiffeisenbank Bulgaria EAD, Reason for payment: Subscription of units

Fees

Performance

➢ YTD: +10.82%

➢ Since public offering (21.06.2006): -4.79%

➢ 1Y: +22.16%

Real Estate Sector Equity Fund

➢ Invests mainly in shares of domestic and foreign companies with special investment purpose in the real estate sector (REITs)

“

Concord Fund-3

Real Estate Sector

”

BGN|2006

➢ Recommended investment horizon | 2 years

➢ Net asset value | EUR 305 thsd

86.81% 1.17% 11.96%

Equity Receivables Cash and Deposits

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1 2 3 4

Concord Fund 4 –Energy

ISIN code: BG9000002089, UIC 175447735

Investing in units of funds is done by transferring the desirable amount to its accumulation account.

Holder: Concord Fund –4 Energy, IBAN: BG27RZBB91551065893010. Raiffeisenbank Bulgaria EAD, Reason for payment: Subscription of units

SRRI of the Fund is 5 (five).

Energy Sector Equity Fund

➢ Invests in shares of foreign issuers operating in energy sector

➢ In solid energy companies, which are traded on the developed markets

➢ In Central and Eastern Europe markets with potential for growth

➢ Subscription fee: 1.00% (up to BGN 100 thsd) 0.00% (more than BGN 100 thsd)

Fees

Performance

➢ YTD: -11.01%

➢ 1Y: -7.80%

BGN|2008

5 6 7

➢ Recommended investment horizon| 3 years

➢ Net asset value | EUR 305 thsd

“Concord Fund

-4

Energy”

Portfolio Structure by asset classes as of 28.02.2020 86.43% 0.35% 13.13% Equity Receivables Cash and Deposits

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1 2 3 4 5 6 7

Concord Fund 5 –Central and Eastern Europe ISIN code: BG9000003087, UIC: 175447767

Investing in units of funds is done by transferring the desirable amount to its accumulation account. Holder: Concord Fund –5 Central and Eastern Europe, IBAN: BG71RZBB91551065895516. Raiffeisenbank Bulgaria EAD, Reason for payment: Subscription of units

➢ Subscription fee: 1.00% (up to BGN 100 thsd) 0.00% (more than BGN 100 thsd)

Fees

Performance

➢ YTD: -2.14%

➢ 1Y: +0.08%

High yield investment strategy

➢ Invests mainly in stocks of foreign companies, which are traded on Central and Eastern Europe capital markets

➢ Aims optimization between risk and performance

“Concord Fund

-5

Central-

East Europe”

BGN|2008

➢ IIIth_{place in Investor Finance Forum 2018}

(category „Equity fund – Developing markets“)

➢ Recommended investment horizon| 2 years

87.16% 0.75%

0.24%

11.82%

Equity Units

Receivables Cash and Deposits

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1 2 3 4 5 6 7

Concord Fund 6 Bonds

ISIN code: BG9000009084, UIN 175474839

Investing in units of funds is done by transferring the desirable amount to its accumulation account. Holder: Concord Fund–6 Bonds, IBAN: BG49RZBB91551081192715. Raiffeisenbank Bulgaria EAD, Reason for payment: Subscription of units.

“Concord Fund

-6

Bonds”

SRRI of the Fund is 2 (two).

Conservative risk profile

➢ Up to 90% in fixed income instruments

➢ Up to 100% of assets in money market instruments

Fees

Performance

➢ YTD: +0.86%

➢ 1Y: +5.83%

BGN|2008

➢ Recommended investment horizon| 2 years

82.63% 9.60%

0.70%

5.48%

Fixed Income Units

Receivables Cash and Deposits

(category „Short-term Bonds Fund/ Money market Fund“)

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1 2 3 4 5 6 7

Listed on the BSE

ticker: CODA

Date of IPO:

06.04.2016

Closed-end National Investment Fund

➢ Invests in equity and fixed income transferable securities of domestic and foreign issuers

➢ Units of the fund are registered and are not redeemable, traded on BSE

NMF

“Concord Fund

-7

South-

East Europe”

BGN|2016

➢ Hight Risk Profile

➢ Units of the fund can be purchased only on the Stock exchange, through the investment intermediary

80.96% 10.82%

4.08% _{1.35% 2.78%}

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Details:

➢ choose one or more funds

➢ choose monthly date for investment

➢ choose desired amount for investment

➢ terminate EFP anytime

➢ change the date or the amount for investment

➢ redeem a part or the whole invested amount The client can:

*The product is suitable for retail and corporate investors.

Regular investment plan in three of the mutual funds managed by Concord Asset Management

➢ “ConcordFund-1 Stocks andBonds” –balanced profile

➢ “ConcordFund-2Equity” –high risk profile

➢ “Concord Fund-6 Bonds” –conservative risk profile

➢ Regular investment period

➢ Saving perspective

➢ Capital gain is tax exempt

➢ Professional management

➢ Low expenses

➢ High liquidity

➢ Flexibility

➢ Minimum investment amount – BGN 50

Advantages:

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CONTACTS

e-mail: [email protected]

phone: +359 2 816 43 70; +359 2 816 43 45

address: 117 Todor Alexandrov blvd., 1303 Sofia

Natalia Petrova

Executive Director

е

-mail:

[email protected]

phone: +359 889 990 833

Adelina Dimitrova

Head of Sales Department

e-mail:

[email protected]

phone: +359 884 071 288

Information In this presentation is as of 28.02.2020

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DISCLAIMER

Disclaimer

This document is for informational purposes only and does not constitute advice, offer or invitation to invest in financial instruments. The entire document or any part of it, is not a ground for contractual or any other engagement. The information does not constitute a recommendation for investment in financial instruments, including in mutual funds, and should not be interpreted as such. The information in this document is current at the date of creation of the document. It can be changed in the future without this being reflected in the document. This document does not provide or warrant any financial, tax, legal or accounting advice. You should consult with your financial, tax, legal or accounting consultants before taking any transactions.

Warning to the investors

Investors in financial instruments, incl. in units of mutual funds, should bear in mind that: the value of financial instruments, incl. units and their income may decline - the profit is not guaranteed and investors take the risk not to return their investments in full; investments in mutual funds are not guaranteed by an insurance fund created by the State or by another type of security; past performance of the funds does not necessarily relate to their future performance. The prospectus and the founding acts of the funds are publicly available in the office of "Concord Asset Management" AD, as well as on the website of the company.