OUR INVESTMENT PHILOSOPHY

Our investment philosophy explains the way we manage investments. This philosophy is about delivering consistent returns to our clients with an optimum' balance between risk and return.

At BCI, our investment decisions are based on in-depth analysis, combining a top-down approach to asset and sector allocation with a bottom-up stock selection process. Our disciplined approach to research and analysis provides investors with the assurance that their assets are managed actively and responsibly, and delivers consistent returns over the long term. In the design of our products and solutions, we aim to provide our client's with the following:

• . Capital Protection
• . Consistent Superior Investment Performance
• . Customized Investment Solutions
• . Transparency and Unquestionable Ethics

CAPITAL MARKET SERVICES

We will be operating in the capital market as investment advisers, asset / portfolio managers and venture capital consultants. Within this scope of operation, we will offer the following services:

a) Corporate Investment Advisers, Financial & Investment Advisory Services

We will offer financial advisory services to our clients depending on their peculiar financial needs. These include areas of feasibility analysis, company valuation, mergers and acquisition, real estate investments advisory, capital management, liability management and corporate restructuring.

We will also offer investment advice based on the various investment options available to the client.

b) Funds/Portfolio Management Services

This service involves the building, restructuring and management of investment portfolios for our clients. It covers the management of a portfolio of quoted and unquoted shares, money market instruments, real estate investments, securitized investments, real estate investment trusts and other hybrid investments trusts.

t's instructions as may be required on the floor of the Stock Exchange through licensed stockbrokers with whom we have a working relationship at no extra cost to our clients and we ensure that the interest of our client is always protected.

c) Venture Capital Services

As venture capital consultants our services are in two folds. In the first instance, we identify a start-up company with potentials and, make a venture capital investment in the company and where the required investment is sizeable; we introduce other investors with an interest in venture capital to the potentials of the organization.

An alternative approach would be for a company to invite us to package them for venture capital investment and source for venture capital funding. .

Asset Allocation

The Fund will invest in select group of quoted stocks in relevant sectors to achieve a well balanced and diversified portfolio. The Fund will invest a minimum of 75% of its assets in such quoted securities while 25% will be invested in quality fixed income securities.

Research & Financial Product Development

From the outset, strong emphasis will be placed on the central role of research and product development. This will entail strong research activities and preparation of appropriate studies on the economy, leading institutions in the political, social and economic environment, all listed companies, sectors of the economy, and the sub region. We would seek active collaboration with third party research organizations and subscribe to leading edge research reports.

IT & Compliance

The establishment of a robust IT platform will play a key role in the business. While emphasis will be on the installation of tested off­ the shelf business software/solutions, in-house development of tailor made solutions will be encouraged to ensure efficient and seamless service delivery. This will also reinforce strong and efficient execution of mandates. Legal and regulatory compliance will be accorded top priority attention, such that all the processes and procedures will be designed to facilitate timely regulatory reporting with emphasis on high level of professional and ethical standards

Financial Planning / Financial Services Advisory

High level financial planning services will be offered to high net-worth clients who want a coordinated investment portfolio rearrangement for optimum performance of their investment assets. This will be geared towards achieving specific goals and objectives as defined by the clients with target return on assets/investment.

Target Market /Business Strategy

The main focus of the Company will be to acquire international clients through a network of individuals with whom we currently have business relationship. Most of these Nigerians in Diaspora are spread over the United States, Canada, Europe and the United Kingdom. BCI will also focus on domestic clients who belong to middle/upper income earners and professionals. In addition the company shall seek to attract middle income professionals who are either active investors in the domestic capital market or are contemplating investing in the market. The minimum investment to open an account shall be set at an appropriate level that will attract a sizable customer base. The Company will also aggressively seek partnership and collaboration with foreign investment/asset management companies who are interested in investing in the Nigerian Capital markets. We believe that as democratic culture becomes engrained and the economy becomes more liberalized, foreign portfolio investors will begin to show serious interests and involvement in the Nigeria capital market.

Appropriate marketing strategies will be developed and implemented to ensure that the Company attracts the desirable clients in the face of fierce competition in the market. Customers' loyalty and satisfaction will be pursued relentlessly to ensure growth in turnover and income. Timely and value adding research reports will be disseminated to all account holders both in hard and electronic copies. The company will also set up user friendly website to facilitate easy access to client account information online and other company communication. Access to forms to complete specific transactions will also be provided online. Other modern telecommunication technologies will be employed to ensure free flow of two way interactions with stakeholders.