036e 01.04.

2005 13:39 Uhr Seite 1

Individual Fund Selection Liechtenstein

Investment Funds Offered Provider, Name, Currency, Description

Fortuna
Fortuna Europe The fund invests primarily in bonds (approx. 65%) and equities (approx. 35%) from countries in the European Union and
Balanced Fund CHF/EUR Switzerland. Preference is given to Euro bonds in the range EUR and bonds in Swiss Francs in the range CHF (which are not
subject to taxes at source). European Equities are exclusively considered. The Dow Jones Europe STOXX 50 R - Index is used
CHF/EUR as benchmark.
Fortuna Short Term The fund invests in CHF bonds from debtors with good credit standing, with an average residual term of three years. As a result
Bond Fund CHF the fund is hardly subject to any fluctuation and is therefore the ideal means of consolidating a performance that has been
CHF achieved (e.g. in equity investments) and of avoiding any further risks.
ABN-AMRO
Switzerland Equity Fund The fund aims to achieve capital growth through investment in listed Swiss equities. Investments are spread across a number of
economic sectors. Individual companies are selected after analysing their financial situation, competitiveness, profitability and
CHF quality of corporate management.
Global Technology Fund The fund invests in companies which take advantage from the development of the Internet, greater use of information technology
and electronics in all kinds of applications. Investments are diversified worldwide in the selected sectors such as telecommuni-
USD cations or information technology.
Bank Sarasin
Sarasin TecSar The fund invests worldwide in equities of companies engaged in the development of information technology. This includes the
EUR subsectors network technology, telecommunications, multimedia or computer hardware and software.
Sarasin InnovationSar The Sarasin InnovationSar concentrates exclusively on innovative products. The fund invests in shares of companies with small
and medium capitalisation, since these have a greater potential for genuine innovation, which is in general rewarded by increases
EUR in the share price.
BSI
BSI-Multibond CHF The fund invests primarily in top-rated bonds, including convertible and option bonds, dominated in Swiss Francs. The fund
management is entitled to invest in bonds dominated in the currencies of other OECD countries and to hedge against the
CHF exchange rate risk.
BSI-Multibond EUR The fund invests mainly in first-class bonds, including convertible and option bonds, denominated in Euro. It pursues the strategy
EUR of maximising value increase in the long term in line with developments on the EUR bond market.
BSI-Multibond USD The fund invests essentially in first-class bonds, including convertible and option bonds denominated in US Dollar. The fund may
USD also invest in bond issues in other currencies of the OECD countries.
BSI-Multibond The fund invests in fixed and variable interest bonds and in convertible bonds and option papers of leading issuers in all currencies
International CHF of the OECD countries.
BSI-Multihelvetia At least two thirds of the fund capital are invested in equities and dividend right certificates of companies with their registered
office in Switzerland. The fund management tracks the Swiss Performance Index (SPI) and may also invest in convertible bonds
CHF and option issues of Swiss companies.
BSI-Multieuropa The fund invests in equities and similar papers of companies which have their registered office in EU Member States. The fund
EUR management tracks the Dow Jones EURO STOXX 50 - Index.
BSI-Multiamerica The fund invests in equities issued by North-American companies. The weighting is based on the S&P 500 equity index. The fund
management is authorized to invest up to one quarter of fund assets in convertible and option bonds issued by North-American
USD borrowers.
BSI-Multinippon The fund invests primarily in Japanese companies, largely in equities. Preference is given to the electronics, financial services,
JPY mechanical engineering and pharmaceuticals sector.
BSI-Multiconvert Japan The fund invests in convertible and option bonds of Japanese issuers in all the currencies of the OECD countries. The currency
CHF risk against the Swiss Franc is actively hedged.
Credit Suisse
CS Bond Fund (Lux) The fund invests – in accordance with the principle of risk diversification – in Euro bonds. Preference is given to capital market
Euro «B» EUR securities from top-rated borrowers, which are not subject to taxes at source.
CS Bond Fund (Lux) The fund assets are invested – in accordance with the principle of risk diversification – in top-rated bonds denominated in Swiss
CHF «B» CHF Francs and interest-bearing securities. The aim is to achieve a consistently high return.
CS Bond Fund (Lux) The fund invests in top-rated bonds denominated in US Dollar. From the huge variety of dollar investments in bonds, first-rate
USD «B» borrowers are carefully selected. Preference is given to capital market securities from borrowers which are not subject to taxes
USD at source.
CS Equity Fund (Lux) The fund invests in equities issued by leading European companies. The selection of stocks is based on economic, sector
European Blue Chips «B» and company analyses. Preference is given to large-cap companies with a higher earnings potential and a solid financial
EUR structure.
CS Equity Fund (Lux) The fund invests in equities of European companies, focusing on equities which have a low market capitalisation in relation
Small Cap Europe «B» to the market as a whole.
EUR Stock selection is based on economic, sector and company analyses.
CS Equity Fund (Lux) The fund invests in equities of leading US companies. Preference is given to large-cap enterprises with a high earnings potential
USA «B» USD and a solid financial structure.
CS IndexMatch (Lux) The fund invests in equities from the EURO STOXX 50 base index. This index is capital-weighted and contains 50 large-cap
on Euro Stoxx 50 «B» EUR companies (excluding the UK and Switzerland).
CS IndexMatch (Lux) The fund invests in equities and equity-type securities contained in the Nikkei 300 base index. The Nikkei 300 is capital-weighted
on Nikkei 300 «B» JPY and comprises the 300 largest and most liquid companies.
CS IndexMatch (Lux) The fund invests in equities and equity-type securities contained in the Standard & Poor’s 500 base index. The S&P is capital-
on S&P 500 «B» USD weighted and covers around 80 percent of the total US stock market.
DWS
DWS Vermögens- This fund focuses its investment policy on international blue chips and also invests in promising small and medium-sized enter-
bildungsfonds I EUR prises. The securities are chosen using the stock-picking approach.
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Individual Fund Selection Liechtenstein

Fidelity
Switzerland Fund The fund comprises approx. 40 papers, 50% are the largest listed Swiss companies and the remainder medium-sized
companies which may also be listed outside Switzerland. Companies are selected which have a strong market position,
CHF good growth potential and are managed in the interests of shareholders.

European Growth Fund
Japan Fund
Asian Special Situations Fund
GAMAX
Top 100 (A)
Junior (A)
Migros Bank
MI-Fonds 30 «B»
POPSO (SUISSE) Investment Fund Sicav
POPSO (SUISSE) -
Swiss Franc Bond
POPSO (SUISSE) -
Euro Bond
POPSO (SUISSE) -
Swiss Equity
UBS
UBS (Lux) Equity Fund
European Opportunity «B»
UBS (Lux) Equity Sicav
USA Value
UBS (Lux) Strategy Fund
Equity (EUR) «B»
UBS (Lux) Equity Fund
Telecom «B»
UBS (Lux) Equity Fund
Technology «B»
UBS (Lux) Equity Fund
Biotech «B»
UBS (Lux) Equity Fund
EURO STOXX 50 «B»
Union Bancaire Privée Asset Management
UBAM - US Equity Growth
The fund has a proactive investment strategy, investing primarily in small and medium-sized companies throughout
EUR Europe.
The fund invests primarily in large and medium-sized Japanese companies. Preference is given to companies with a strong
JPY competitive position in growth sectors.
The fund invests in companies throughout Asia, excluding Japan. The portfolio contains companies in “special situations”, i.e.
those in recovery situations after a weak stock exchange or business trend, after restructuring, a new product launch or appoint-
USD ment of a new management team.
The fund invests worldwide in equities issued by 100 leading, successful major companies. The principal emphasis is on securities
EUR from the telecommunications, electronics and finance sectors.
The fund invests in equities of enterprises with a child and youth theme. Companies which operate in the fields of armaments,
EUR nuclear power or cigarettes are rigorously excluded.
The fund invests worldwide in top-rated money market securities, bonds and equities. The equity portion of the portfolio
is 30%. Investments comprise some two thirds in Swiss Francs and one third in other currencies (primarily Euro and
CHF US Dollar).
The investment fund is registered in Luxembourg and invests in bonds denominated in Swiss Francs. It invests mainly
(approx. 90%) in fixed and variable interest bonds. At least two thirds of the net capital are denominated in Swiss Francs, the other
CHF third is denominated in US Dollar and Euro.
The fund is mainly invested in fixed and variable interest rate bonds of first-class public issuers and private corporations.
EUR
The investment fund is registered in Luxembourg and invests in Swiss equities. It invests mainly (approx. 90%) in equities and
equity-type securities of Swiss companies. Roche, Nestlé, Novartis as well as UBS are not as well represented as
in the Swiss Performance Index. Nevertheless, promising Small- and Midcaps are more represented than in the Swiss
CHF Performance Index.
The fund invests primarily in equities of leading Western European companies. The selection of companies is mainly influenced
by the quality of the management, solid returns, growth potential and a strong market position. Investments are made with a
EUR medium-to-long investment horizon.
The fund invests principally in US companies. Investments are made with a medium-to-long investment horizon.
The companies are selected using quality criteria for determining relative weighting such as: strategic orientation, strong
market position, first-class corporate management, solid income and growth potential. Diversification is achieved via a mix
USD of sectors, thereby guaranteeing the investor an optimum risk-return profile.
The fund invests worldwide on a broadly diversified basis in equities (as a rule 90%) and other equity securities.
Investments are primarily (at least two thirds) in the reference currency. The active investment strategy utilises a bench-
mark concept which besides market capitalisation also considers the risk and quality of the markets contained in the
EUR benchmark.
The fund invests worldwide in equities and other equity instruments of companies engaged in the telecommunications sector.
EUR Particular emphasis is given to major enterprises with international operations.
The fund invests worldwide primarily in equities of technology companies (electronics, data processing, semi-
conductors, telecommunications) with a market capitalisation of at least USD 100 million. US companies are currently
USD given preference.
The fund invests worldwide primarily in equities from companies engaged in research, product development, product
manufacture and distribution in the biotechnology sector.
USD US companies are currently given preference.
The fund invests exclusively in equities of leading European companies which are contained in the Dow Jones EURO STOXX
50 - Index. The fund’s investment goal is to achieve the highest performance possible through active management while
EUR minimising risks.
The fund invests solely in US equities with the aim of achieving capital gains over the long term. Preference is given to large-cap,
USD growth-oriented securities.

Information and Notes on the Individual Fund Selection

The individual fund selection permits a free combination of investment funds and their respective shares. At least 40%
from the FORTUNA fund provider must, however, be chosen.
With the individual fund selection, the customer can determine the contract period/the premium payment period freely,
having regard to the limits for specific products (see product description).
The individual fund selection gives the customer complete flexibility to determine his individual investment strategy.
But he waives any entitlement to a guaranteed endowment benefit.
The individual fund selection is not available for life annuity insurances.
The range of funds offered by FORTUNA is supplemented by other prestigious providers. Our investment and financial
specialists are responsible for selecting and monitoring the funds.

Valid from 1st April 2005

FLPR 036e 01.04.05

FORTUNA Lebens-Versicherungs Aktiengesellschaft – Städtle 35 – Box – LI-9490 Vaduz

Telefon 00423 236 15 45 – Fax 00423 236 15 46 – www.fortuna.li – fl.service@fortuna.li