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Dear Investor,

We congratulate you on your broad knowledge of asset structures, product expertise and cost-awareness. Only few investors consider all specified aspects. Nevertheless, it would give us great pleasure to welcome you in Baar for an exchange of ideas. A detailed analysis can often release optimisation potential that is not immediately identifiable merely by answering the above five questions.

Yours sincerely,

Dr. Pirmin Hotz Vermögensverwaltungen AG

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Dear Investor,

We congratulate you on your good knowledge of asset structures, product expertise and cost-awareness. We note that in certain areas you are not exploiting the maximum portfolio management potential. We would be delighted to help you optimise your investment assets based on an in-depth analysis, and it would give us great pleasure to welcome you to a meeting and discussions in Baar.

Yours sincerely,

Dr. Pirmin Hotz Vermögensverwaltungen AG

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Dear Investor,

Thank you for answering the above questions, which provide us with useful insights into your knowledge of asset structures, product expertise and cost-awareness. In our view, considerable optimisation potential exists, and we would like to discuss this with you in person. It would give us great pleasure to welcome you to a meeting in Baar.

Yours sincerely,

Dr. Pirmin Hotz Vermögensverwaltungen AG

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