SUPREMA

THE CAPITAL GROWTH BOND

Synergistic investment - or spreading the risk

A synergistic investment opportunity. That is exactly what Alliance's property and managed fund is. A composite fund that consists of prime commercial properties, international equities, fixed deposits and long term bonds of stable governments.

At Alliance we understand that most investors appreciate the added security of diversified investment. That's why in Suprema, we have combined our property investment fund with that of the award-winning global investment from a world leader, Fidelity Investments.

Such synergy, combined experience, reputation and technical expertise in each of their specialist areas, provides peace of mind and the assurance that your investment is safeguarded by respected market leaders.

Choosing the right investment

For most investors, the bank is often the ideal solution for short term savings for holidays and other immediate needs. However, banks are not always the best option if you are saving for the long term.

Historically, fixed interest investments such as banks have never been able to keep pace over the long term with investments linked to real assets. Fixed interest investments have only one element of growth - interest. On the other hand, investments in real assets such as commercial property can increase in value not only through capital appreciation but also rental income.

For the medium to long term, investments linked to real assets such as prime commercial properties and stocks and shares offer the most exciting prospects for real growth.

Local knowledge, global expertise

Suprema is a unique investment opportunity - it combines the very best international management of your funds with a chance to benefit from the flourishing land and property markets in Dubai.

Suprema is a uniquely versatile product. It allows you the opportunity to benefit from a comprehensively structured investment.

As an investor in the capital growth bond Suprema, you can take the time to focus your energies on those areas of your life important to you, safe in the knowledge that the international investment component under Suprema are being managed by a team of experts that have made Fidelity Investments the world's number one, managing assets on behalf of their investors of over US$ 850 billion.

For the international investment component under the Suprema capital growth bond. Alliance have joined forces with Fidelity Investments, the world's largest independent investment management group.

Our own skilled and highly experienced fund managers monitor the local land and property markets Their specialised knowledge of the local market sector enable them to structure their portfolio to take advantage of the immense opportunities that exist to maximise investment gains for our clients over a medium to long term. The company has acquired prominent properties in Dubaias part of its investment strategy.

Invest as it suits you

Not only is Suprema spread across exciting investment opportunities, it has also been devised to offer you a totally flexible approach to your contributions.

Starting with a minimum contribution of US$5000 and a maximum investment term of 10 years, you can add to your initial investment by making lump sum payments as and when it suits you.

Whether it's life savings, a sudden windfall or if you simply have a lump sum which is not performing to its maximum potential -Suprema is designed to meet your needs.

You can invest as much as you wish - there is no upper limit to the scope of your investment. What's more, your investment in Suprema is not dependent upon you being resident in the UAE. In fact, you may make additional contributions from anywhere in the world.

Key features and benefits

Flexible enough for pension planning , ideal for school fees planning and returns strong enough for any portfolio

You can use the investment return from your Suprema to fund a regular premium plan such as Optima

You have instant access to your accumulated investment account. You can encash the plan in full or choose to make a partial withdrawal.

You may request to take a loan against your investment account value. Loans upto 70% of the surrender value of the plan may be taken at any time.

Built-in protection
-further peace of mind

Alliance understands that we live in a world of uncertainties and risks. That's why Suprema provides life assurance protection.

This means that in the event of an untimely death, the benefit payable to your dependents will be the bid value of the units or your original investment (less any withdrawals), whichever is the higher.

Suprema even gives you the flexibility of choosing from a wide range of life cover levels best suited to you.

More useful information

1. What is Suprema?

Suprema, the Capital Growth Bond, is a unit-linked single premium plan, designed to maximise your investment gain over a maximum term of ten years, known as the "Plan term".

2. Contributions
The minimum single contribution to start the Plan is US$ 5,000. You can make additional single contributions from as little as US$ 1,000 at any time. There is no upper limit to the scope of your investment.

3. Age at Entry
There are no age limits.

4. Unit allocation and charges
100% of your contributions will be allocated units in the Alliance Property and Managed Fund at the offer price. Units will be allocated at the price ruling at the next valuation date following the date when the premium is received at the Company's Head Office.

You buy units at the "offer price' on the date your Suprema Bond starts. The "bid" price is the price at which your units are encashed. The difference between these two prices is called the "bid" and "offer" spread, which is currently 5%. There is also a rounding up charge of up to 1 US cent.

For the expertise and the active investment management of the Fund, Alliance makes a monthly charge of 0.125% of the value of the Fund. This charge is made directly to the Fund and therefore does not reduce the units held in your investment account.

5. Encashment
You may encash your Plan in full or simply choose to make a partial withdrawal of US$ 1,000 at any one time. After a partial withdrawal has been made, the Sum Assured will be reduced by the amount of the partial withdrawal made.

6. Early Surrender Penalty
The Bond has an Early Surrender Penalty, which is made if you cash-in all or part of your Bond in the first three years.

It works like this: cash-in your Bond in the first year and the charge is 3% of your investment. In the second year it is 2% and in the third year it is 1%. After that there are no penalties. The Early Surrender Penalty is not made in the event of your death.

If you make an additional investment, a new set of Early Surrender Penalties will apply and run alongside those of your original investment.

7. Death Benefit
In the event of your death, the benefit payable to your dependents will be the bid value of the units or your original investment (less any withdrawals), whichever is higher. No charge is made for the cost of life assurance provided in your Bond.

8. How Your Money is Invested
Alliance Property and Managed Fund is "unit-linked". This simply means your money is pooled with other like-minded investors in "units* in Alliance's Property and Managed Fund. The units are your slice of the investment "cake* -and your opportunity to benefit from the growth of the Fund. The price of the units are subject to market forces and may therefore fluctuate. The Portfolio Managers of the Alliance Property and Managed Fund will invest in a variety of assets to provide our investors with real growth and security. The proportions of each type of investment will be varied in the light of changing investment conditions.

9. Range of Assets

• 40% to 60% in the present and future properties, which the management may acquire from time to time.
• 30% to 50% in fixed deposits.
• up to 30% in fixed income bonds of foreign governments.
• up to 30% in investment equities.

Alliance Property and Managed Fund is denominated in United States Dollars. A valuation of the Fund is made every week and prices are available at our website or directly from the Head Office.