Key information on responsibilities to protect investors
Version 1.5

AGW-MS is insured against investor liability
AGW-MS is a member of the Colorado Investor Liability Insurance System. The state-owned enterprise “American International Group, AIG” (hereinafter referred to as the “Insurance Company”) ensures its obligations to investors in accordance with the procedures and conditions established by the Colorado Deposit and Investor Insurance Obligation Law of the United States (hereinafter referred to as the “Law”).

Investor liability insurance amount (protection threshold)
Up to $85,000

Liability to investors Currency of payment of insurance premiums
Dollars (cent precision – accurate to two decimal places and rounded according to the mathematical rules for rounding numbers).

Objects of investor liability insurance
The object of investor liability insurance is financial instruments regardless of the currency in which they are denominated and/or the currency of all currencies belonging to the investor.

The period during which liability insurance benefits are paid to investors
Within 3 months from the date of the insured accident. In exceptional cases, the Council of Insurers, with the consent of the supervisory authority, may extend this period by up to 3 months.

Uninsured liability to investors
Investment risk is not the subject of an investor’s insurance liability (investment risk is the possibility of suffering a loss because the investment will not generate a profit or lose value). Investor insurance liability does not cover liability to the following investors:

JPMorgan Chase Bank;
credit institutions;
financial brokerage firm;
Financial Institutions;
Insurers and reinsurers, insurance companies and reinsurers established in other Member States and third countries;
Pension funds;
Collective investment entities.
Circumstances in which investor liability insurance benefits are limited
The payment of insurance benefits to investors accused of money laundering and/or terrorist financing or other persons entitled to claim insurance benefits under Article 23, paragraph 6, of this Law may be deferred until the decision of the Court of Final Appeal. Liability insurance premiums to investors