Fixed Return Programs

(Fixed Annuities)
© 2007 Caspian Trading Inc.
 Our fixed return rate programs are similar to annuity programs that are offered by most insurance companies but have several advantages for
investors who are interested in receiving higher than average stable income with no influence from market volatility and other possible
economic conditions.

Our advantages are:

• No management fees
• High rate of return
• No taxes are applicable (no matter if under which plan you are investing)
• Potential for higher returns based on market performance
• Freedom to move funds between portfolios as investment objectives change
• Guaranteed death benefit if annuity holder dies during the period while money is accumulating
• No start-up fees or charges
• Lifetime income
• Assistance from professional financial consultants
• Special conditions in case more than 200 000 USD investments*

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* Call us to find out

LIST OF FIXED RETURN PRODUCTS (Fixed Annuities)*

PLAN 1. FIXED RETURN

.

Single deposit is made. Cumulative amount is paid at the end of investment period.

PLAN 2. FIXED ANNUITIES

Series of payments are made quarterly or monthly. Cumulative amount is paid at the end of investment period.
.

PLAN 3. IMMEDIATE ANNUITIES

Single payment is made. Cumulative amount is paid by equal quarterly installments immediately.
.

PLAN 4. FIXED RETURN

Single deposit is made. Return can be withdrawn annually. Principal is paid back at the end of investment period.
.

PLAN 5. FIXED RETURN

Single deposit is made. Return can be withdrawn every month. Principal is paid back at the end of investment period
.

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* Unlike fixed annuities in most of the funds where your money earns a guaranteed rate of return our fixed return programs provide minimum rate of return that investor
would receive at maturity. However if the investments provide higher than average return, returns on annuities are subject to be raised respectively.

© 2007 Caspian Trading Inc.

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 PLAN 1. FIXED RETURN PROGRAM
SINGLE PAYMENT IS MADE. CUMULATIVE AMOUNT IS PAID AT THE END OF INVESTMENT PERIOD.

Single deposit is made. Annual rate of return is calculated according to the time period of investments. Reinvestment of the amount is made
annually. If you would like to save for future, earning a higher rate of interest, consider this Plan. This program is the best option for those who
want to invest money on a long-term basis and receive cumulative amount at the end of investment period.

THE PROGRAM HAS FOUR INVETSMENT OPTIONS:

1. One year plan has 11% per annum interest rate. Single payment is made. Cumulative amount is paid at the end of one year period.
Premature withdrawal bears no penalties but zero interest is paid.

2. Three year plan has 16% per annum interest rate. Single payment is made. Cumulative amount is paid at the end of a three year period.
Amount is reinvested annually. Premature withdrawal bears Surrender Charges of ten percent if withdrawal is made before 365 days to
maturity date. No surrender charges apply if withdrawn within last 365 of program period but zero interest is paid.

3. Five year plan has 21% per annum interest rate. Single payment is made. Cumulative amount is paid at the end of a year period. Amount
is reinvested annually. Premature withdrawal bears Surrender Charges of ten percent if withdrawal is made before 365 days to maturity
date. No surrender charges apply if withdrawal is made within last 365 of program period but zero interest is paid.

4. Eight year plan has 27% per annum interest rate. Single payment is made. Cumulative amount is paid at the end of eight year period.
Amount is reinvested annually. Premature withdrawal bears Surrender Charges of ten percent if withdrawal is made before 365 days to
maturity date. No surrender charges apply if withdrawn within last 365 of program period but zero interest is paid.

* See Table 1 for your future income on $10000 investment

Minimum investment requirement is 500$. Minimum subsequent investments is 100$ which is automatically added to your account but will have a
different maturity date in compliance with Plan 1.

Table 1

1 YEAR 3 YEARS 5 YEARS 8 YEARS

Interest Rate, % 11 16 21 27
.
Initial Amount $10,000.00 $10,000.00 $10,000.00 $10,000.00
.
Cumulative Amount $11,100.00 $15,608.96 $25,937.42 $67,675.23

© 2007 Caspian Trading Inc.

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 PLAN 2. FIXED ANNUITIES
SERIES OF PAYMENTS ARE MADE QUARTERLY. CUMULATIVE AMOUNT IS PAID AT THE END OF INVESTMENT PERIOD.

Series of payments are made quarterly to the end of investment period. Cumulative amount is paid at the end of investment period. If you have
a stable income but would like to save for future and preserve your future earned capital consider this Plan. This program is best option for those
who receive stable fixed income and would like to use part of that income for savings and investing. It can also be used as retirement investment
plan with cumulative amount paid at the end of a period.

THE PROGRAM HAS FOUR INVETSMENT OPTIONS:

1. Three year plan has 13% per annum interest rate. Payment is made by equal quarter installments. Annual interest of 13% apply to general
amount investor is to pay within a year. Amount is reinvested annually. Premature withdrawal bears Surrender Charges of ten percent if
withdrawal is made before 365 days to maturity date. No surrender charges apply if withdrawal is made within last 365 of program period
but zero interest is paid. Cumulative amount is paid at the end of a program period.

2. Five year plan has 18% per annum interest rate. Series of payment are made by equal quarter installments. Annual interest of 19% apply to
general amount investor is to pay within a year. Amount is reinvested annually. Premature withdrawal bears Surrender Charges of ten percent
if withdrawal is made before 365 days to maturity date. No surrender charges apply if withdrawal is made within last 365 of program period
but zero interest is paid. Cumulative amount is paid at the end of a program period.

3. Ten year plan has 21% per annum interest rate. Series of payment are made by equal quarter installments. Annual interest of 20% apply to
general amount investor is to pay within a year. Amount is reinvested annually. Premature withdrawal bears Surrender Charges of ten percent
if withdrawal is made before 365 days to maturity date. No surrender charges apply if withdrawn within last 365 of program period but zero
interest is paid. Cumulative amount is paid at the end of a program period.

4. Thirteen year plan has 23% per annum interest rate. Series of payment are made by equal quarter installments. Annual interest of 23% apply
to general amount investor is to pay within a year. Amount is reinvested annually. Premature withdrawal bears Surrender Charges of ten
percent if withdrawal is made before 365 days to maturity date. No surrender charges apply if withdrawn within last 365 of program period but
zero interest is paid. Cumulative amount is paid at the end of a program period.

* See Table 2 for your future income on $1000 quarterly payment. Cumulative amount is paid at maturity all at once or by annuities upon investor’s request

Minimum quarter investment requirement is 1000$.

Table 2

3 YEARS 5 YEARS 10 YEARS 13 YEARS

Interest Rate, % 13 18 21 23
.
Quarterly Payment $1 000,00 $1 000,00 $1 000,00 $1 000,00
.
Cumulative Amount $14 863,13 $32 783,14 $135 172,13 $318 269,13

© 2007 Caspian Trading Inc.

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 PLAN 3. IMMEDIATE ANNUITIES
SINGLE PAYMENT IS MADE. CUMULATIVE AMOUNT IS PAID BY EQUAL QUARTERLY INSTALLMENTS.

Single payment is made. Cumulative amount is paid by equal quarterly installments immediately starting with the first quarter to the end of
investment period. Interest is applied to the balance of the amount pay due. If you would like to receive stable income on your investments
along with your principal amount consider this Plan. This program is the best option for those who want to invest money on a certain time period
receiving amount back by annuities with the interest applied to the balance of the amount pay due.

THE PROGRAM HAS FOUR INVETSMENT OPTIONS:

1. Three year plan has 8% per annum interest rate. Single payment is made. Cumulative amount is paid by fixed annuity quarterly beginning
with the first quarter. Cumulative payment is calculated to the end of investment period and then divided by number of quarters giving the
reduced amount of principal investment after each payment.

2. Five year plan has 10% per annum interest rate. Single payment is made. Cumulative amount is paid by fixed annuity quarterly beginning
with the first quarter. Cumulative payment is calculated to the end of investment period and then divided by number of quarters giving the
reduced amount of principal investment after each payment.

3. Eight year plan has 10.5% per annum interest rate. Single payment is made. Cumulative amount is paid by fixed annuity quarterly beginning
with the first quarter. Cumulative payment is calculated to the end of investment period and then divided by number of quarters giving the
reduced amount of principal investment after each payment.

4. Ten year plan has 11% per annum interest rate. Single payment is made. Cumulative amount is paid by fixed annuity quarterly beginning with
the first quarter. Cumulative payment is calculated to the end of investment period and then divided by number of quarters giving the reduced
amount of principal investment after each payment.

* See Table 3 for your quarter income on $10000 investment. Cumulative amount is paid in full along with interest by the end of investment period.

Minimum investment requirement is 2000$. Minimum subsequent investments is 1000$ which is automatically added to your account but will have
a different maturity date in compliance with Plan 3.

Table 3

3 YEAR 5 YEARS 8 YEARS 10 YEARS

Interest Rate, % 8 10 10.5 11

.
Initial Amount $10 000,00 $10 000,00 $10 000,00 $10 000,00
.
Quarterly Income $955,16 $675,43 $546,82 $551,10

Cumulative Amount $11 461,94 $13 508,54 $17 498,23 $22 043,96

© 2007 Caspian Trading Inc.

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 PLAN 4. FIXED RETURN
SINGLE PAYMENT IS MADE. RETURN CAN BE WITHDRAWN ANNUALLY. PRINCIPAL IS PAID BACK AT THE END OF INVESTMENT PERIOD.

Single deposit is made. Annual rate of return is calculated according to the time period of investments. Reinvestment of the amount is made
annually. If you would like to save for future and receive high gains while your return is available annually, consider this Plan. This program is
the best option for those who want to invest money on a long-term basis and receive cumulative amount at the end of investment period.

THE PROGRAM HAS FOUR INVETSMENT OPTIONS:

1. One year plan has 11% per annum interest rate. Single payment is made. Cumulative amount is paid at the end of one year period. Premature
withdrawal bears no penalties but zero interest is paid.

2. Three year plan has 15% per annum interest rate. Single payment is made. Return is paid annually. Principal capital is paid at the end of three
year period. Amount is reinvested annually if not withdrawn. Premature withdrawal bears Surrender Charges of ten percent if withdrawal is
made before 365 days to maturity date. No surrender charges apply if withdrawn within last 365 of program period but zero interest is paid.

3. Five year plan has 17% per annum interest rate. Single payment is made. Return is paid annually. Principal capital is paid at the end of five year
period. Amount is reinvested annually if not withdrawn. Premature withdrawal bears Surrender Charges of ten percent if withdrawal is made
before 365 days to maturity date. No surrender charges apply if withdrawn within last 365 of program period but zero interest is paid.

4. Eight year plan has 19% per annum interest rate. Single payment is made. Return is paid annually. Principal capital is paid at the end of eight
year period. Amount is reinvested annually if not withdrawn. Premature withdrawal bears Surrender Charges of ten percent if withdrawal is
made before 365 days to maturity date. No surrender charges apply if withdrawn within last 365 of program period but zero interest is paid.

* See Table 4 for your future income on $10000 investment.

Minimum investment requirement is 500$. Minimum subsequent investments is 100$ which is automatically added to your account but will have a
different maturity date in compliance with Plan 4.

Table 4

1 YEAR 3 YEARS 5 YEARS 8 YEARS

Interest Rate, % 11 15 17 19
.
Initial Amount $10,000.00 $10,000.00 $10,000.00 $10,000.00
.
Cumulative Amount $11,100.00 $15,208.75 $21,924.48 $40,213.85

© 2007 Caspian Trading Inc.

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 PLAN 5. FIXED RETURN
SINGLE PAYMENT IS MADE. RETURN CAN BE WITHDRAWN EVERY MONTH. PRINCIPAL IS PAID BACK AT THE END OF INVESTMENT PERIOD.

Single deposit is made. Annual rate of return is calculated according to the time period of investments. Reinvestment of the amount is made
annually. If you would like to save for future, receiving high gain with your return available every month, consider this Plan. This program is
the best option for those who want to invest money on a long-term basis and receive cumulative amount at the end of investment period.

THE PROGRAM HAS FOUR INVETSMENT OPTIONS:

1. One year plan has 10% per annum interest rate. Single payment is made. Return is paid monthly beginning with the first month. Premature
withdrawal bears no penalties but zero interest is paid.

2. Three year plan has 13% per annum interest rate. Single payment is made. Return is paid monthly beginning with the first month. Principal
capital is paid at the end of three year period. Amount is reinvested annually if not withdrawn. Premature withdrawal bears Surrender Charges
of ten percent if withdrawal is made before 365 days to maturity date. No surrender charges apply if withdrawn within last 365 of program
period but zero interest is paid.

3. Five year plan has 15% per annum interest rate. Single payment is made. Return is paid monthly beginning with the first month. Principal
capital is paid at the end of five year period. Amount is reinvested annually if not withdrawn. Premature withdrawal bears Surrender Charges
of ten percent if withdrawal is made before 365 days to maturity date. No surrender charges apply if withdrawn within last 365 of program
period but zero interest is paid.

4. Eight year plan has 17% per annum interest rate. Single payment is made. Return is paid monthly beginning with the first month. Principal
capital is paid at the end of eight year period. Amount is reinvested annually if not withdrawn. Premature withdrawal bears Surrender Charges
of ten percent if withdrawal is made before 365 days to maturity date. No surrender charges apply if withdrawn within last 365 of program
period but zero interest is paid.

* See Table 1 for your future income on $10000 investment.

Minimum investment requirement is 500$. Minimum subsequent investments is 100$ which is automatically added to your account but will have a
different maturity date in compliance with Plan 5.

Table 5

1 YEAR 3 YEARS 5 YEARS 8 YEARS

Interest Rate, % 10 13 15 17
.
Initial Amount $10,000.00 $10,000.00 $10,000.00 $10,000.00
.
Cumulative Amount $11,000.00 $14,428.97 $20,113.57 $35,114.53

Fixed annuities offer competitive yields with zero risk. Once purchased, your investment will be placed in prudent, regulated sphere that has long term predictable
growth. A fixed annuity earns a guaranteed rate of return for your money but can bring additional dividends if returns on asset a llocation are higher than average.

© 2007 Caspian Trading Inc.

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