WISE and its portfolio of investments are strictly regulated by several regulatory acts in the Commonwealth, providing our members with a high level of security. We are only allowed to invest the paid-in funds in loans that we grant to our members. We have a strict lending policy and will lend to creditworthy individuals with a sufficiently high income, regular income and acceptable collateral. We charge our lending customers 8,4 – 9,1% interest per annum and pay our deposit customers 4,7% – 7,9.% interest per annum accordingly. Our average margin between lending and deposit rates is 3%. This explains why we can pay higher interest rates than traditional banks. However, given the above strict rules for managing our funds, we consider the risk level of our deposit accounts to be low. Our balance, all loans extended to our customers and equity serve as collateral for our deposit customers. Furthermore, we diversify our investments and can profitably sell assets in various regions of the world through our branches, adapted to the best market conditions. Julius has been around for more than a decade and our company continues to grow year after year.

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