Mr Frank Lee, Mr Mark Scicluna Bartoli, Ms Dina Ferreira, Mr Madis Reiunp   Mr Frank Lee, Head of Financial Instruments Advisory Division, EIB, Mr Mark Scicluna Bartoli, Executive – EU & Institutional Affairs, Bank of Valetta, Malta, Ms Dina Ferreira, Managing Director of IFRRU, Portugal, Madis Reinup, Member of the Management Board, Rural Development Foundation in Estonia