Corporate Products

Innovative Issues

For instance:

Protected Investment in GOLD and Rare Minerals in Brazil (Clearstream)

The IFB Hybrid CDO

• ISIN: DE000A1A2084
• WKN: A1A208

The Rare Earth Elements sector with its strategic importance to manufacturing and electronics is still dependent on China, which accounts for most of the world’s rare-earth mining and around 90% of refining capacity (IEA).

This issue secures financing for independent mines in Brazil with proven, probable reserves or inferred resources of Gold and Tantalum, Niobium as well as other Rare Earths Elements and Rare Metals and thus creates an alternative supply source for manufacturers of electronics and other goods (from airplanes to cars, etc.) all over the world, (capital-protection structure; terms as set out in the issue documentation):

Structured Products

The Structured Products Group addresses a client need for integrated, customized risk management solutions.

The group includes professionals from both Investment Banking and Risk Management disciplines, who structure derivatives solutions for companies and executives with unique financing requirements.

Multi-disciplinary in its approach, covering equities, fixed income, foreign exchange, credit, tax, and accounting issues, the group works to ensure clients get the best advice.

Guaranteed Investment Certificates

What they AreGICs (Guaranteed Investment Certificates, a Canadian term deposit product) are generally one- to five-year deposits with a bank or other financial institution such as a trust company.

How they Work
GICs are issued in your name and can’t be sold except to the institution that issued them. You agree to keep the money in the GIC for a set period in return for a set rate of interest. Compound GICs pay you interest on your interest. Instead of paying the interest to you outside the GIC, the interest is added to your original deposit.

The Risk
GICs are relatively safe investments. An important risk is that you’ll need to access your money before the GIC matures. If this happens, you’ll likely lose some of your interest. There’s also a risk if you lock in your money in a five-year GIC and interest rates go up two years later. You’ll have missed an opportunity to earn more on your money.

The Rewards
GICs mostly pay higher rates of interest than bank savings accounts, but less than many other investments. Rates are higher for longer term GICs and for larger deposits.

Credit Derivatives

Credit Derivatives Department specializes in developing products to help our corporate clients manage their credit risk. Credit derivatives are contracts that allow one party to transfer the credit risk and return related to a given asset to another party, without actually transferring the underlying asset. The market, dominated by credit default swaps, shrank considerably after the 2008 financial crisis and is now largely centrally cleared.

Leveraged Finance

Through integration of leveraged loans, second lien loans, mezzanine and high yield bonds, the Leveraged Finance Group provides “one-stop” debt financing solutions for clients.

The Leveraged Finance Group is responsible for the origination of non-investment-grade debt products. IFB has served as Lead Arranger and Book Runner on a number of bond financings.

Corporate Bonds and Debentures

Our Clients and their Companies sell bonds when they want to borrow money to grow and expand. They promise to pay your money back on a future maturity date and pay interest in the meantime.
There are different kinds of corporate bonds.

• Some are secured by specific assets which you can seize if the company fails to pay interest or return the original principal amount when the bonds mature.
• Others that aren’t secured are called debentures. They are merely a promise to pay you. Corporate bonds often also have added features.
• You might be allowed to convert your bonds into the company’s stock, or the company might have the right to buy back the bonds before they mature.

Investment Funds

We create hedge and other funds for our clients.
A fund that can take both long and short positions, use arbitrage, buy and sell undervalued securities, trade options or bonds, and invest in almost any opportunity in any market where it foresees impressive gains at reduced risk. Hedge fund strategies vary enormously – many hedge against downturns in the markets – especially important today with volatility and anticipation of corrections in overheated stock markets. The primary aim of most hedge funds is to reduce volatility and risk while attempting to preserve capital and deliver positive returns under all market conditions.

Governmental Bonds

When governments need to borrow, they issue bonds in various denominations or face values. The face value is returned to you on the bond’s future maturity date and you get paid interest in the interim.

We utilize natural resources to create an underlying that the government can use to create a capital protection

Treasuries

What they Are
Treasury bills (T-bills) are very safe short-term investments issued, for example, by the Canadian federal government and some provinces, or by the U.S. Treasury.

How they Work
Governments issue Treasuries in very large denominations of $1 million or so. Banks and investment dealers break these up and sell them to investors. You always buy a T-bill at a discount to its face value. That means you pay less than what you’ll get back when the government cashes it for you. T-bills are mostly offered in terms of one month to just under one year. You might pay $975 for a T-bill and get back $1,000 when it matures one year later. Your profit is stated as a percentage of your investment, in this case it would be about 2.56% ($25 on $975). In Canada, for example, the return on T-bills is taxed as interest income, which is taxed more heavily than capital gains.

The Risks
Treasury bills are considered among the safest investments, especially when they have three months or less to maturity. Should you need your money before the T-bills mature, you can always sell them on the open market through an investment dealer.

Investment Grade

The Investment Grade Capital Markets Group structures, prices, markets and syndicates all of the firm’s new issue, investment grade preferred stock and fixed income securities.

Its three groups:

• Coverage Officers,
• Syndicate and
• Private Placements

work closely with Fixed Income Sales and Trading teams, Investment Banking and Research to provide clients with innovative and cost effective financing solutions.

Loans and Credit Lines

Tailored Money when you need it.

We believe that credit is a key component to any sophisticated investment plan. So in developing a financial plan to meet your financial circumstances and objectives.

If you are looking for liquidity to help leverage existing assets, or credit facilities (possibility for an overdraft under special conditions, i.e. risk-less trading transaction) to create additional wealth, our flexible credit services can provide you with opportunities to maximize your returns

Bank Guarantees and SBLCs

A bank guarantee or an SBLC is an undertaking by a bank to pay the guarantee beneficiary a specified amount upon a written demand if the Bank’s client fails to fulfil his obligation. We can help customers to meet their contractual obligations or to win a tender without tying up their own liquidity.

Types of guarantees issued by our Bank or organised by us from larger international financial institutions:

• tender guarantee (security deposit)
• performance bond
• guarantee of payment, e.g. for purchased goods or services
• SBLCs
• DLCs

Proof of Funds

Our “Proof of Funds” (POF) and Verification of Deposit (VOD) letters are services that you may use for your convenience. The intended use for the POF or VOD letters is to give you, the client, a letter to provide to the necessary parties involved in your real estate or commercial transactions to show you are either pre-qualified or have the funds to purchase real estate when doing a back-to-back closing (or extended back-to-back closing) and using our services to fund the “A to B” portion of the back-to-back closing. You may only use our POF or VOD letters when making offers to purchase real estate when doing a back-to-back closing (or extended back-to-back closing). We will not be responsible for the misuse of this POF letter anyway.

Preferred and Common Shares

We create Shares for our Clients and help on you IPO

A preferred share is a special type of stock that regularly pays you a set amount of money out of the company’s profits called dividends. They’re called preferred because you get preferential claim to the profits ahead of common shareholders.

When you buy common shares you become a part owner of the company. You will share in the profits of the company if it does well, either by seeing the value of your shares rise, by being paid dividends out of the firm’s profit, or both. If the business performs badly, you probably won’t get any dividends and the value of your shares will drop.

Options and Futures

Options are not securities themselves, but are contracts that let you to buy or sell a security like a stock at a set price between now and a certain future date. Options give you the ability to hedge investment risks or to earn magnified gains through what’s known as leverage.

Futures are a derivative investment. Rather than representing shares of ownership, like stocks, or a loan, like bonds, futures contracts are contractual agreements that derive their value from an underlying asset. Futures can be used to hedge certain price risks – or to take on that risk by speculating on the future price of an asset.

Crypto Currencies

IFB can issue and tokenise digital currencies and tokens and trade crypto-assets for clients, subject to applicable law.

Investing

At IFB, investing is driven by your needs rather than by our products. Is your wealth highly liquid, overly concentrated, or is it tied up in one or more business or partnership? How is your wealth structured? Is the return generated by your portfolio appropriate for the level of risk you bear? What is your time horizon for achieving your investment goals? How directly do you want to be involved in managing your portfolio? Would you like to minimize taxes?
Once we know the answers to such questions, we help design an investment strategy tailored to your needs. If you have major philanthropic plans, for example, the assets you intend to donate should be managed with this need in mind. If your business requires you to put your own capital at risk, your portfolio should be structured accordingly. Your situation and your goals are unique; we believe your investments should be too.

Drawing on our own extensive research into long-term market trends, we will create an asset allocation framework that encompasses your financial assets: traditional, publicly traded fixed income and equity securities – your core portfolio – and to the extent appropriate, opportunistic investments, which capitalize on a particular market theme or investment expertise. After examining your needs, goals, and tolerance for risk, we can help you find the balance that is right for you.

As you prefer, we can manage your investments on a discretionary basis, advise you on investments you choose yourself, or connect you with leading third-party managers. Whatever course you choose, you will have access to institutional-quality investments that have been chosen or structured for private clients, coordinated with your other assets in one investment programme.

Holding and Transferring

Having accumulated assets to benefit the people and organizations you care about puts you in an enviable, but challenging position. Various forces can deprive you and your family of the full value of your wealth. Taxes erode assets, and inflation reduces their purchasing power. Control and ownership issues can threaten the continuity of your business and your legacy. Proper planning can help you to overcome these challenges. While preparing for the final transfer of your assets is vital, we believe sound wealth planning strategies should help preserve and even grow your wealth during your lifetime and allow you to keep enjoying it along the way. By addressing the ownership, location, and structure of your assets with regard to both the future and the present, we will work with you and your advisors at every point in your financial life cycle.

Leveraging

Whether you want to purchase a yacht or jet, help a family member launch an entrepreneurial venture or monetize your illiquid assets, credit can be one of your most effective financial tools.

When deciding how to raise needed capital, you often face a choice between liquidating invested assets and using leverage. We can help you compare the costs and risks associated with both alternatives, taking into account interest expense, transaction costs, capital gains tax exposure, and the potential investment return that you may forego. Whatever your purpose, we can provide advice in the context of your overall objectives and wealth plan, and we can customize a solution with an optimal debt structure.

IFB provides credit to private clients in suitable cases, against assets such as art, real estate, aircraft or securities, subject to valuation and legal review. Unusual situations – a cross-border transaction, a complex legal or tax structure, a liquidity need at a closely held company – are assessed individually.

Organizing and Simplifying

The time and attention required to manage complex finances effectively can be overwhelming. Investment programs have to be planned and implemented. Financial information needs to be collected, taxes paid, legal entities structured. Changes in your circumstances, especially business transitions, can further complicate matters. Whether it is day-to-day financial management or serving the needs of a large, multi-generational family, many wealthy individuals may not have the time, interest, or expertise to take on these tasks

Specialized Advisory

Should your art collection stay in the family or become part of a community’s cultural heritage? What steps can you take – before, during, and after the sale – to receive the best return on your business asset? How do you ensure that family members will be adequately provided for if the unexpected should occur? What do you hope to achieve through your philanthropic efforts? Wealthy individuals and their families often face such difficult issues. At IFB, we recognize that many of our clients also need specialized advisory services to help maximize the value of their wealth and realize their vision of success.

From art, to philanthropy, to mergers and acquisitions, dedicated professionals at IFB provide expertise in meeting the needs of our clients. As with everything we do, we integrate our specialized advisory services into your overall wealth management plan to include your investment, estate planning, and financing objectives. We work with you and your advisors to find the best way to apply our capabilities for the benefit of you and your family

Portfolio Management

We offer team-based investment processes across asset classes, from alternative investments to equities and fixed income. When clients invest with us, they are putting their money in a name they trust, one that strives for excellent investment management and service. Leaving management decisions to us does not mean that you stay out of touch, however. Your private banker at IFB will send you regular reports on your portfolio’s performance. You will also be able to discuss at short notice any changes in your circumstances that may influence investment decisions. Your portfolio management will be in good hands. Not only does IFB have an experienced team of in–house investment professionals, it also takes advantage of a global network of investment strategists and asset managers.

Mergers and Acquisitions

We are an international mergers and acquisitions adviser. The firm provides full advice to clients on a range of strategic transactions, including mergers, acquisitions, asset purchases and dispositions, restructurings and reorganizations. The firm serves clients internationally, including foreign investors.

Working closely with clients and our global industry specialists, our experienced M&A team provides in-depth understanding of the marketplace in which clients operate and extensive experience in identifying strategic opportunities

Corporate Finance

At the heart of our corporate finance expertise is the integrated approach that we take to understanding our clients’ issues. Our team is based on industry/sector groupings and is supported by our M&A and capital markets teams. We play an important role as part of the boardroom advisory team on all matters affecting the company’s development and growth. Specifically, we seek to establish a long-term advisory relationships with clients, advising on any planned strategic moves such as mergers, acquisitions and disposals and developing and executing an appropriate financial solution. Our financial advisory activities include advice on equity issuance, balance sheet restructuring, returns of capital and valuations.

We act as the interface between the client company, the relevant Exchange and the investment community, ensuring that each understands the motivating forces of the other. In this role we draft and review public announcements, create investor relations programs and give ad hoc advice in respect of contentious investor issues.

Equity Capital Markets

As a distributor that specializes in the international distribution of equity to institutional investors on a pan European and global basis, we work in close conjunction with our corporate finance teams, we advise our corporate clients on the structure, size, timing and pricing of any capital raising, including:
Initial Public Offerings; Primary issues for listed companies; Rights issues; Placing and Open Offers; Vendor Placements; Cash Placements; Secondary transactions for listed companies; Accelerated Book Build Offerings; and Block Trades

Debt Capital Markets

We combine debt advisory, capital raising and risk management, with structuring expertise for high-grade and high-yield issuers.

International Capital Markets

Internationally, we are active in the distribution of equity issues on behalf of international companies. We distribute equities globally, acting in a range of capacities from global coordinator to co-lead manager. We work with other houses and provide aftermarket service to both issuers and investors.
In our office we have dedicated capital market teams searching for opportunities to work jointly on specific projects in the best interests of our clients..

Equities

The Equities business forms a key part of the Investment Banking division. Our analysts cover selected sectors and issuers.

Equities Research
Our approach to equity research is based on an independent judgment and impartial advice. Our research covers companies and economies in Europe, the USA and Asia-Pacific.

Private Placement

A private placement is a direct offering of securities to a limited number of sophisticated institutional investors. Investors in privately placed securities include insurance companies, pension funds, mezzanine funds, equity funds and trusts. In the U.S., private placements are exempt from registration under the Securities Act of 1933 (Section 4(a)(2) and Regulation D); in the EU, offers to qualified investors are exempt from the prospectus requirement. The private capital markets offer issuers a wide variety of long-term capital ranging from senior secured notes to mezzanine financing to preferred and common equity. Each specific financing can be tailored to an issuer’s specific needs. IFB Capital Markets can give clients access to the private placement market to arrange the following types of capital:

Fixed Income Placements

Fixed Income Placements include placement of Senior Secured Notes, Senior Unsecured Notes, Straight Coupon Subordinated Notes and Dividend-only Preferred Stock. Characteristics include final maturities between 3 and 30 years, fixed rates, flexible covenant structures, highly confidential transactions and low issuance costs. Our transaction team manages all phases of an issuer’s transaction from origination to funding, for first-time and repeat issuers.

Mezzanine & Private Equity Capabilities

Mezzanine and Private Equity Placements include Subordinated Notes with Warrants, Convertible Subordinated Notes, and Preferred Stock with Warrants, Convertible Preferred Stock and Common Equity. Characteristics include terms that are customized to business plans and projected cash flow, highly confidential execution and long-term, patient investors. Funds provide financial and operating flexibility and are available for growth, mergers & acquisitions, and recapitalizations.

The IFB Capital Markets Mezzanine and Private Equity Placements Group is dedicated to the structuring and placement of mezzanine and equity capital, with access to investors ranging from business angels to venture capital funds.

Asset Management

Asset Management Services are provided through Beaufort Securitisation Holding LLC