Page 69 - 2005-2006

ÿÿCASCADE-CREDITÿÿ UNIVERSAL

CREDIT ORGANIZATION CJSC

1. Registration date - 08.04.2004
2. Sphere of Activity
Lending to Small and Medium Enterprises with considerable
(more than 25% of total turnover) Company Address
emphasis on export or import substitution activities
3. Services aimed at export Armenia, Yerevan 375033, H.Kochar 5/1 Products & Services
a) Short-term Loan c) Leasing Tel.: (374 10) 27.87.76,
b) Long-term Loan d) Factoring Tel./Fax: (374 10) 27.82.21
4. Service Specifications E-mail: ccr@cascredit.com
a) Short-term Loan c) Leasing Web-site: www.cascadecapitalholdings.com
Purpose - Working Capital Purpose - Capital Financing Contact person: Ms. Mary Mamikonyan
Max Maturity in Years - 1 Max Maturity in Years – 5
Repayment scheme - flexible Repayment scheme - annuity
Min Annual Percentage Rate - 16% Min Annual Percentage Rate - 16%
Collateral - Movable and immoveable assets Collateral - purchased Equipment
Max Funds to Collateral Value - 70% Max Funds to Collateral Value – 70%
Insurance - required Insurance - required
b) Long-term Loan d) Factoring
Purpose - Capital Financing Purpose - Trade finance Financing services
Max Maturity in Years – 5 Max Maturity in Months – 6
Repayment scheme - flexible Repayment scheme - flexible
Min Annual Percentage Rate - 16% Min Annual Percentage Rate - 18%
Collateral - Movable and immoveable assets Collateral - Movable and immoveable assets
Max Funds to Collateral Value - 70% Max Funds to Collateral Value - 70%
Insurance - required Insurance - required
5. Minimal & maximal lot for each product
a) Short-term Loan c) Leasing
Min amount in US$ (or equiv. in AMD) - 3000 Min amount in US$ (or equiv. in AMD) - 1000
Max amount in US$ (or equiv. in AMD) - 100000 Max amount in US$ (or equiv. in AMD) - 150000
b) Long-term Loan d) Factoring
Min amount in US$ (or equiv. in AMD) - 4000 Min amount in US$ (or equiv. in AMD) - 1000
Max amount in US$ (or equiv. in AMD) - 175000 Max amount in US$ (or equiv. in AMD) - 50000
6. Experience in Export activities - Export finance of SMEs from Armenia, which sell their products in CIS region, USA, Canada, Europe etc.

ÿÿCASCADE INVESTMENTSÿÿ CJSC

1. Registration date - 01.09.2004
2. Sphere of Activity - Investment company/Asset Manager/Broker-Dealer
3. Services
· Annuity Type Products · Market Making
· Asset Management · Private Banking
· Investment Banking · Fund Management Company Address
4. Service Specifications Armenia, Yerevan, H. Kochar 5
a) Cascade Investments Annuity Type Products target middle income investors to Tel.: (374 10) 27.87.76; (374 10) 26.38.40
facilitate their retirement savings and other long term financial needs such as financing Tel./Fax: (374 10) 27.82.21
children’s education abroad. E-mail: info@cascadeimvmts.com
b) Cascade Investment Asset Management professionals help clients to assess their Web-site: www.cascadecapitalholdings.com
financial needs and plan the best strategy to meet their investment goals over time. Contact person(s): Mr. Haik Papian,
The company offers investment alternatives in numerous international capital markets
instruments (US, Europe, Asia, Russia and other emerging markets.) Ms. Viktoria Kirakosyan
c) Cascade Investments Investment Banking specialists assist clients in raising capital through securities issuance; provides advice on mergers and
acquisitions and all other types of corporate restructurings. CI works with its clients to develop appropriate corporate strategies to ensure long term
growth and success.
d) As a licensed Broker, CI will act as Market maker for selected securities on the Armenian Stock Exchange
e) Cascade Investments is developing a broad range of investment opportunities, enabling clients to spread risk and access various financial
instruments in international markets. Private Clients will benefit from an increasing range of privileged services.
CI offers comprehensive personal wealth management consulting services, ranging from tax advice to privileged membership and banking services.
f) The currently emerging Endowment, Pension and Investment Funds in Armenia need to be professionally managed. Cascade Investments will act
as fund manager to preserve capital, attract further contributions and increase principal and income through professional investments
5. Shareholders in other countries
Cafesjian Family Foundation
15 South Fifth Street
Suite 900
Minneapolis, MN 55402

67