HOW IS THE FUND STRUCTURED

                   HOW TO JOIN THE FUND

1.READ PROSPECTUS

2.FILL KYC FORM

3.VERIFY ACCOUNT

4.DEPOSIT

FILL OUT THIS FORM TO ACQUIRE A UR SECURITIES ACCOUNT: ENTER RIGHT DETAILS

INTERNATIONAL ORGANISATIONS BANKS AND PUBLIC INSTITUTIONS PLEASE FILL OUT FORM FOR SPECIAL ACCOUNTS

 TERMS AND CONDITIONS OF THE ISSUE

            §1.Issue
Universal Reserve Organisation 9.25%, 10-year Sovereign Treasury bond :issued in the primary markets
with maturity of ten years .

         §2.Authorization
The issue was authorised by the Universal Reserve Organisation  and the repayment of the capital
amount and interest will be charged against the Universal reserve.

                                     §3.Purpose of the Issue
The funds will be used to fund Fiscal needs of the Universal Reserve.

                                        §4 Interest
A coupon of 9.25% per annum will be paid semi-annually until the Maturity of the bond.Coupon payment dates will be as described above under interest payment in the prospectus section.

The registers will be closed fifteen days before the coupon payment dates in order to determine the bondholders that are eligible to receive interest.

Interest will cease to accrue on the bond from redemption date and such interest will be paid as per the
definition of banking or business day above.
Interest will be paid in the currency of the issuer  on the coupon payment date to the rightful bondholder by electronic transfer into the accounts of the bondholders as kept in the Central Securities Depository system held at the local banks.

                                           §5.Redemption of Capital
The Principal amount of the loan will be redeemed at maturity. At the end of redemption period, re-registration of the bondholders will be done to reflect changes in the holding details for respective bondholders.
No redemption will be made prior to the redemption date as stated herein.

 The principal will be paid on a business day as defined above. Payment will be made electronically into the accounts of the bondholders.

                                              §6.Register of Bondholders
Universal Reserve will act as an agent and the transfer secretary of this issue and will keep a register which will;
1. Be kept by Universal Reserve at and displayed over bondholders account.
ii. Contain names, addresses, bank account numbers of the bondholders
11. Show the principal amount of the bonds it held by the bondholders
iii. Show registration dates for the bondholders
iv. Be managed according to its rules and procedures as the case may be.
v.The transfer secretary shall upon a written instruction by a bondholder, amend details contained in the register.

The issuer will only recognize a bondholder as the rightful owner of bonds as per the register.

                                                § 7.Trading and Transfers
This bond is tradable and transferable. Bonds are transferred by way of written instruction, and this written instruction has to be signed by both parties engaged in the sale while their secondary trading will follow rules and procedures in terms of Capital Markets Regulations of 2014.

No transfers will be in effect during the books closed period and the transfer secretary will retain the written instrument following a registered transfer. The CSD will also be used to register such transfers between bondholders who are listed as participants in it.

                                                      § 8.Stamp Duty
Universal Reserve Treasury bonds are transferrable free of stamp duty.

                                                      §9.Title to Bonds
The issuer shall deem for all purposes that the person reflected in the Register as the holder of bonds to be the true owner of those bonds.

                                                  §10.Repurchase of Bonds
The issuer shall have the right to purchase the bond at any time on willing buyer willing seller basis.

                                                 § 11.Method of Issue
The bond is issued through a direct sale over local banks and a uniform pricing system is used.

                                                    §12,Settlements
Settlement will take place electronically on a T+0 basis through the settlement agents.

                                                          §13.Governing Law
Unless stated otherwise, the bonds shall be subject to and governed by the Laws of the Financial capital Market.


                                                   § 13. Advantages of Sovereign Treasury Bonds
i. They are transferable and negotiable
ii. They can be pledged as collateral
iii. The rate of return is competitive

                                                             § 14. Issue Process
i. A press release will be issued over Universal Reserve website  announcing the bond issue  date, size of issue, coupon rate and other terms and conditions
ii.Buyers and investors can purchase bonds over their local commercial banks.

iii. It is the responsibility of the investors to obtain URO accounts at their  own commercial bank.

                                                         § 15. Payment and Settlement Procedures
i. Universal reserve  will debit commercial banks on the interest rate settlement date  on behalf of their clients.
ii. If settlement or coupon payment or redemption date falls on a public holiday or non-business day, value date shall be the next business day.
iii. Day Count for coupon payment will be Actual/Actual
iv. Additional information of these prospectus are available from: this website.Here-General terms and conditions.