FinSA Client Information

Arter Asset Management AG was established on 07.09.2018.

The Asset Manager is affiliated with the independent ombudsman Finanzombudsstelle Schweiz (FINOS), which is recognised by the Federal Department of Finance. Disputes concerning legal claims between the Client and the Asset Manager should, where possible, be settled by an ombudsman's office within the framework of a mediation procedure.

The Asset Manager provides asset management services to its Clients — in particular: portfolio management and execution-only services on individually managed portfolios, investment advisory on portfolios in the form of actively managed certificates (AMCs), and further administrative support in the financial sector (family office services).

The Asset Manager does not guarantee any yield or performance of investment activities. Investment activity can therefore lead to an appreciation in value and to a depreciation in value.

The Asset Manager holds all necessary licences to perform the services described above.

The Asset Manager is required to classify its Clients into a Client segmentation according to the law and to adhere to the respective code of conduct. The Financial Services Act provides for «Retail client», «Professional client» and «Institutional client» segments.

For each Client, a Client classification is determined within the framework of the cooperation with the Asset Manager. Subject to certain conditions, the Client may change the Client classification by opting out.

Portfolio management and investment advisory involve financial risks. The Asset Manager shall provide all Clients with the «Risks Involved in Trading Financial Instruments» brochure prior to the execution of the agreement. This brochure can also be found at www.swissbanking.ch. Clients may contact their client advisor at any time with further questions.

For a description of the various risks that may arise from the investment strategy for Clients' assets, please refer to the relevant asset-management agreements.

If unusual concentrations of risk within the client portfolio cannot be ruled out, the nature and extent of such concentration risks shall be disclosed to the Client. Indicators of such unusual concentrations of risk are:

• a concentration of 10 % or more in individual securities;
• a concentration of 20 % or more in individual issuers.

Concentrations from collective investment schemes that are subject to regulatory risk-diversification rules, such as UCITS funds and Swiss securities funds, are excluded. In the case of investment advice, the Asset Manager shall provide its Retail clients with the basic information sheet of the recommended financial instrument.

A fee is charged for the services rendered, which is usually calculated on the assets under management and/or on a performance basis. For more detailed information, please refer to the relevant asset-management agreements.

When it is not possible to determine the actual amount of remuneration or third-party services before the financial service is provided or the contract is concluded, the financial institution shall inform the Client of the range of the respective remunerations, taking into account the different asset classes and financial instruments.

In the case of asset management and portfolio-based investment advice, if the exact amount of third-party remuneration cannot be determined in advance, the Client shall be informed of the range of the expected remuneration in relation to the portfolio value and the agreed investment strategy.

In connection with the financial services offered by the financial institution, economic ties may exist with third parties. The acceptance of payments from third parties as well as their treatment are regulated in detail and comprehensively in the respective asset-management agreements.

The Asset Manager follows an «open-universe approach» and seeks to make the best possible choice for the Client when selecting financial instruments. The Asset Manager's own collective investments may — where appropriate — be used in asset-management mandates or recommended as part of investment advice.