CARPEDIEM GmbH: GarantieHebelPlan with fair repayment terms Seligenstadt June 2010: negative repayment as the technical term for that is, if a customer for many years in a life insurance policy has paid, but in case of premature cancellation of less is paid him, as he has paid a total. The CARPEDIEM GmbH shows high differences in repayment amounts of various investments and explains the advantages which distinguish the GarantieHebelPlan of CIS Germany AG. To make clear what are the benefits of GarantieHebelPlan compared to other investment models actually offers, the CARPEDIEM GmbH attracted a real case from practice. In the present case, a bona fide customer has completed a unit-linked pension insurance at the LV 1871. Contract began in April 2007, the post was 600 euros per month. The CARPEDIEM GmbH has now investigated what gets this customer from the LV 1871 paid out, if he after 27 months to June 30, 2009 after payment of a total of 16,200 euros would have terminated. The answer: The buy-back value assumed 6 percent value development is 991 euros.

The LV 1871 so punished the customers with a discount of cancellation of proud 94 per cent. Now our consideration: what if investors Alternatively had invested his money in an equity for example in the GarantieHebelPlan recommended by our education Journal of free consultants? Although this product is a stake, the investors in the GarantieHebelPlan would receive an indemnity of 12.825 euro (plus earnings) after 27 months for deposits amounting to 16,200 euros. Compared to relevant investment models, the GarantieHebelPlan offers so much better repayment terms. How does the GarantieHebelPlan of CIS Germany AG at all? Quite simply:, The investor will receive an annual credit in the amount of the average yield of all target systems, as well as the simple interest rate differential between return on investment target assets minus interest on borrowed capital at the GarantieHebelPlan.