Safety of Funds

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Maintaining the security of your money is a priority. No Financial Firm can truly guarantee the safety of a client’s deposits. Therefore you should choose your investment firm after close consideration. We believe that the best way to judge a firm’s financial integrity is by its reputation and the commitment it shows to its customers. Our dedication to our customers has made our firm a respected leader in the region. Investors must be wise in regard to where they hold their funds and it is very essential to consider the integrity of the firm and its management when taking such a decision.

AM Financials assures you that our firm holds all deposits with only highly reputable banks and financial institutions, and that by law customers’ deposits are not treated as assets or liabilities of the company and accordingly are not included in the firm’s balance sheet. Our firm is highly thankful for the trust our customers put in us, and we do everything we can to preserve the safety of our clients’ funds. Part of our insistence and commitment in spreading financial literacy among investors, AM Financials always advises you to be wary of companies that guarantee the safety of your funds or that claim that your funds will receive special insurance.

AM Financials is audited by audited by a leading financial auditor Grant Thornton http://www.grantthornton.com.

Regulations

AM Financials s.a.l. is a Lebanese Financial Institution regulated and licensed by the Lebanese Central Bank known as Banque du Liban (BDL). AM Financials is on BDL’s list of Operating Financial Institutions #31 (http://www.bdl.gov.lb/bfs/FI/index.htm ). All firms regulated by the Lebanese Central Bank (BDL) are obliged to meet strict financial standards, including capital adequacy requirements. Companies are required to submit financial reports to the regulator on a regular basis. The BDL has the right to fine companies and/or terminate a company's regulatory status for violations.

Lebanese Central Bank

The Lebanese Central Bank (Banque Du Liban - BDL) is a legal public entity enjoying financial and administrative autonomy. It is not subject to the administrative and management rules and controls applicable to the public sector. The BDL grants licenses for the establishment of banks, financial institutions, brokerage firms, money dealers, foreign banks, leasing companies and mutual funds in Lebanon. The Banking Control Commission at BDL controls and supervises these institutions. In 2005, the Lebanese Central Bank Governor was awarded the title of the best central bank Governor in the Middle East by Europe’s leading business magazine ‘Euromoney’, for his commendable performance in stabilizing the economy of Lebanon. Strict monitoring by BDL has ensured transparency in the financial sector and enhanced local and international public trust. For this reason, deposits in Lebanese banks are currently worth more than three times than the local economy.

Stability of Currency in Lebanon

Over the past sixteen years, the currency of Lebanon (Lebanese Pound) has been completely stable.

Rapid growth of Lebanese Banks and Financial Institutions

The solid growth of the financial sector played an important role in the country’s financial stability. The global recession has affected more or less the economy of all leading nations of this planet. However, during the ongoing global crisis, the economy of Lebanon has shown a distinguished ability to weather it successfully. Lebanon’s financial bodies and its domestic economy have not been directly impacted by the fallout from the affected financial global market or its products.