This Fixed Income Structured Product Agreement (the “Agreement”) is entered into by and between InstaForex (hereinafter referred to as “Provider”), presented on the website www.instaforex.com, and the natural or legal person whose registration data is indicated in the account profile in the Provider's system (hereinafter referred to as “Investor”). The Provider and the Investor are jointly referred to as the “Parties”.

Fixed Income Structured Product (the “Product”) represents structured fixed income investments with guaranteed profitability. These investments consist of an investment amount and a subscription for a copy trading system “ForexCopy”. For the purpose of this agreement, the Investor shall open the account for investments in addition to the main trading account. The Investor shalll be able to receive a guaranteed profit in the amount of a percentage of the invested amount specified in Appendix 1 (the “Fixed Interest”)

The Provider ensures profitability, which shall be calculated after 6 months of copy trading, even in case of occurring loss, by accruing additional funds (the “Return Amount”) to the Investor’s account for investments, on condition that the requirements of the Guarantee Mechanism are met.

Investments are invested for a period of 6 (six) months and in case of early withdrawal of funds from the account for investments, there is a penalty of 50% of the initial investment, as well as loss of all income accumulated by the time of withdrawal. The Product takes into account only the period of the subscription for active trading accounts in the “ForexCopy” system. The time after account creation without active trading with “ForexCopy” subscription does not take part in the Product.

The Provider shall provide a minimum investment income of Fixed Interest by charging the outstanding Return Amount (which also includes coverage for losses, if any), provided that the following conditions are met:

• To receive the Return Amount, it is necessary to attract other clients to purchase the Product.
• The Product takes into account funds from the attracted clients who activated a subscription in the “ForexCopy” system using the Affiliate code and made transactions for a certain number of lots.
• The amount of investments belonging to the attracted investors must be 400% of the Return Amount.
• The total volume of transactions attracted investors close within the copy trading system when using the Product must be not less than the number of market lots, equaling to the Return Amount multiplied by 0.2 (or 2 when taking into account Forex-lots, since Forex-lot is 10 times less than the market value).
• Provider reserves the right to change the size of the number of closed lots and the size of the “ForexCopy” subscription balance required to account for funds for the Product.

For a detailed calculation example, please, refer to the table in the Appendix I.

The Investor acknowledges and understands that, despite the guaranteed return, all investments carry inherent risks. The Provider provides a detailed disclosure outlining potential risks associated with the investment.

This Agreement shall commence on the Effective Date, defined as the date on which the Investor opens the account for investments in the personal cabinet on the Provider’s website, and shall remain in effect until terminated.

This Agreement may be terminated by either Party upon written notice to the other Party. Termination shall be effective as of the date specified in the notice, which shall not be less than the minimum notice period required by law or specified in this Agreement. In case of termination of the Agreement earlier than in 6 (six) months and early withdrawal of funds from the account for investments, there is a penalty of 50% of the initial investment amount and loss of all income accumulated by the time of withdrawal.

Upon termination of this Agreement, the obligations of confidentiality and any other provisions that by their nature should survive termination shall continue in full force and effect.

This Agreement shall be governed by and construed in accordance with the laws of the British Virgin Islands. This Agreement may be amended only in writing and signed by the Parties.

By agreeing to the terms and conditions of the Agreement posted on the Provider's website, the Investor hereby guarantees that they are of legal capacity to engage in this Agreement and confirms that they have the necessary authority to enter into this Agreement. The Investor acknowledges that they are fully aware of the potential risks involved in this Agreement and understands that the value of investments can go down as well as up, and they may not get back the amount originally invested.

Furthermore, the Investor agrees that by clicking on the tickbox on the website, they are electronically signing this Agreement, and understands that this electronic acceptance has the same legal effect as a handwritten signature on a paper document. By ticking the checkbox, the Investor agrees to be bound by the terms and conditions of this Agreement.