CURA & Senectus Investment AG

Item 5: Fees and Compensation

C&S Investment operate on an advisory fee basis only. We do not receive commissions for trades on your account and we are not driven by short term gains.
We derive our income directly from the services we provide to our clients.

Fee schedule;
Private mandates/accounts will be set-up from;
        Private accounts               > USD 500,000 (or equivalent in EUR)
        Private and customized         > USD 1,500,000 (or equivalent in EUR)
        Institutional mandates         > USD 2.0 million (or equivalent in EUR)

C&S Investment charges a management and a performance fee. The performance fee depends on prior agreed benchmarks. We agree performance and
minimum fees per client or mandate.
       Private clients pay 1.5% management fee            up to $2,000,000
       Private clients pay 1.0% management fee for assets above $2,000,000
       Customized larger mandates pay between 0.4% and 1.5% management fee

Our fees are generally a percentage of the Assets under Management per above. Our fees are negotiable, and, in some cases, this may result in a fixed fee for
mandates. We are paid quarterly in arears by our clients and we send the clients a quarterly bill. For minimum fees see Item 7.

General information on fees;
Mutual Funds, exchange trade funds, AIFs or UCITS funds typically charge their investors various advisory fees. Furthermore, such funds generally charge
expenses associated with their establishment and ongoing operations. These fees and expenses include, amongst others, management fees, shareholder
servicing, fund expenses and distribution fees. Some funds may impose sales charges as well. Each fund selected by C&S Investment for a client’s portfolio, shall
be documented by way of a prospectus, a copy will be made available to the registered holder of the fund (usually the custodian).

Consequently, for any type of fund investment, it is important that you understand that you are paying 2 levels of advisory fees and expenses. One level of fees
to the fund and one level of advisory fees to C&S Investment. Most fund investments can be acquired directly, without C&S Investment as the advisor, hence,
without using our services and without incurring our advisory fees.

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In any case where a client purchases a fund that is under advisory by C&S Investment, there will not be 2 levels of advisory fees. If clients invest in products
managed by C&S Investment, then the client will only pay the fee part of the fee on the level of the fund. The advisory fee of the client shall be waived. You
may incur charges imposed by brokers and custodians, but we do not receive compensation from these third-party fees or commissions.

Large Institutional mandates may be subject to fixed fees. The terms are agreed based on the investment plans and the asset management agreement. Fees
then may depend on trade volumes and target investment markets.

Item 7: Types of Clients

C&S Investment provides portfolio management services to funds, trusts, private clients, UHNWI (Ultra High Net Worth Individuals). For corporate clients, such
as funds and trusts, we charge a minimum fee that we agree on a case-by-case basis. For private individuals we charge a minimum fee of $3,000 per quarter.
We require a minimum of $ 500,000 of assets per account subject to qualification of the investor(s). The AIFs where we manage the portfolio are professional
funds and thus are subject to a minimum subscription amount typically between EUR 50,000 – EUR 100,000 or USD equivalent. The UCITS funds do not require
such minimum. The broker or custodian used may also impose minimum thresholds.

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Item 8: Investment Strategies and Risk of Investment Loss

Investment Strategies

C&S Investment specializes in globally balanced portfolios for its clients.

For AIFs and UCITS funds we focus on a securities selection while managing specific risks as described in the fund prospectus. For the year ending 2025 the
Assets under Management (“AUM”) for Funds equals USD 114 mio, for Funds 40m for Asset Management it equals USD 15 mio and in AMC constructs USD 60
mio*.

For private clients we focus on well-diversified and globally (balanced) portfolios combining a mix of equities (stocks), fixed income (bonds), and cash or highly
liquid funds (mutual funds, ETFs or higher than weekly tradeable funds (UCITS funds/AIFs) and money market funds. We utilize multiple asset classes,
investment styles, market capitalizations, sectors and geographic regions using index funds and actively managed funds.

We determine the specific portfolio asset allocation for a client’s account based on the time horizon, the goals, such as liquidity needs, risk tolerance, income
and tax levels. Our fund analysts use the fund company’s website but may also use other online and/or subscription-based research for the fund selection
process. During 2023 it was foreseen that we enter into the private equity market with a private equity fund, but the launch has moved into 2024.

General Risk of Loss Statement

As part of our client intake C&S Investment assess risk appetite and tolerance. We make the effort to structure the portfolio of clients in accordance with the
client’s risk appetite and tolerance. However, investing in securities involves risk of loss of all or part of your assets. Prior to entering into an agreement with
C&S Investment, the client should carefully consider:

    1.   investing in securities involves risk of loss which clients should be prepared to bear;
    2.   securities markets experience varying degrees of volatility;
    3.   over time the client’s assets may fluctuate and at any time be worth more or less than the amount invested; and
    4.   committing to C&S Investment only those assets that the client believes not to be needed for current purposes and that can be invested on a long-term
         basis, generally a minimum depending on the risk appetite and tolerance of the client and as set out in the agreement.

For a description of the general risks of securities that may be deployed by C&S Investment reference is made to the description in our general terms and
conditions.

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* These are approx. numbers.