GENIUS HIGH-INTEREST DEPOSIT ACCOUNT

Have you been looking for a high-yield deposit account with flexible terms of investment? The Genius High Yield Deposit Account, or HYDA, combines one of the highest returns in the industry with the flexibility of your local bank account.

Genius HYDA is a fixed interest deposit account. There is no term of deposit on the account, which means that you can withdraw funds from your account at any time. The interest is payable daily. A ten-day notice must be given prior to withdrawal from Genius HYDA.

Interest rates
$300-$2,000	14% Monthly
$2,001-$5,000	18% Monthly
$5,001-$50,000	25% Monthly

Genius FUnds

Genius Funds manages two investment funds. Our funds are investing mainly in highly lucrative equities and bonds, focusing on emerging economies. We offer investment products that provide flexibility, keeping pace with the individual demands of our investors.

Fund name	Symbol	Dividends
Emerging Markets Growth Fund	EMGF	1.0% - 1.9%, Daily payments
World Bond Market Fund	WBMF	6.0% - 9.0%, Weekly payments

Click on fund symbol for detailed financial information.

As of 10th of June, 2009 we also offer the Genius High-Yield Deposit account. This new investment product offers interest yields comparable to our investment funds with the flexibility of a deposit account similar to the one you have in your bank.

Membership Link:

http://www.geniusfunds.com/?c=249130

EMERGING MARKETS GROWTH FUND

Genius clearing symbol: EMGF

Investment objective: Long-term investment generating maximum regular income.

Minimum Initial investment
Common Shares:    USD 10
Preferred Shares:    USD 500
Premium Shares:     USD 5000

Income distribution
	Distributionperiod:   Daily, at midnight CET next day
	1.0% - 1.2% Dividend range:    for Common Shares, 1.1%-1.4% for Preferred Shares and 1.3%-1.9% for Premium Shares

Most investments are made in countries with S&P Rating BB+ or higher. Stock investments are diversified across many industries, with a high focus on the country's leading industry (producing 20 or more % GDP in some cases). For example, the fund has chosen the KASE stock exchange of Alma-Ata, Kazakhstan (S&P BBB rating), where it had heavily invested in the energy market. Kazakhstan has one of the largest undeveloped non-OPEC oil reserves in the world, and its energy export constitutes a significant part of the country's GDP. Investment failures in this sector of Kazakhstan's economy are highly unlikely. Share price of the fund remains unchanged at $1 per share. All the income generated by the fund is distributed to shareholders daily¹. Shares cannot be sold or exchanged within first 150 days from purchase.

If additional shares of this fund are purchased within the first 150 days and their value is higher than 50% of the currently owned shares, the 150 days no-sale period will start from the day you have purchased the additional shares.

¹Dividends are paid on business days

Genius clearing symbol: EMGF

Investment strategies:

• Normally, 80% of the funds are invested in the Emerging market economies (countries that have an emerging stock market as defined by S&P, countries or markets with low-to-middle-income economies as defined by the World Bank, and countries with similar characteristics)
• 20% of the funds are invested in stable economic environments, for risk balancing purposes
• 70% of funds are invested in equities (stocks), 15% in bonds and the remaining funds are traded on futures, options and commodities markets
• Each particular investment is carefully analyzed. Fund managers will analyze the issuer's financial condition and industry position, as well as the market's economic strengths.

WORLD BOND MARKET FUND

Genius clearing symbol: WBMF

Investment objective: Long-term investment generating moderate regular income.

Minimum Initial investment
	Common Shares:  USD 10
	Preferred Shares: USD 500
	Premium Shares:  USD 5000

Income distribution
	Distribution period:  Weekly, on Mondays
:	Dividend range:  6.0% - 6.5% for Common shares, 6.5%-7.0% for Preferred Shares and 7.4%-9.0% for Premium shares

This fund is especially attractive for investors seeking regular, continuous income on a long-term basis. The fund's assets are mainly placed in high yield bonds, providing individual investors with access to a bond market that is usually available only to institutional investors. Share price of the fund remains unchanged at $1 per share. Shares cannot be sold or exchanged within first 180 days¹ from purchase.

If additional shares of this fund are purchased within the first 180 days and their value is higher than 50% of the currently owned shares, the 180 days no-sale period will start from the day you have purchased the additional shares.

¹ Business days, excluding weekends and public holidays

Investment strategies:

• Normally, 30% of funds are invested in China, 20% in Eastern Europe, 20% in South America, 15% in the Middle East and the remaining North America.
• 10% of funds are invested in stable economic environments for risk balancing purposes.
• 70% of funds are invested in high yield bonds, 20% in stocks and the remaining funds are traded on futures, options and commodities markets.
• Each individual investment is carefully analyzed. Fund's managers analyze issuer's financial condition, industry position, market and economic conditions before selecting the investments.