FinSA Customer Information

The New Financial Services Act

The Swiss Financial Services Act (FinSA) and its corresponding ordinance (FinSO)came into effect on January 1, 2020 The purpose of FinSA is to improve investorprotection and increase transparency regarding financial products and services.It contains regulatory requirements related to the organizational structure for theprovision of financial services.In accordance with the legal provisions under Art. 8 et seq., you will find belowan overview of Consolitech Switzerland AG and our services in the areas ofinvestment consulting and investment controlling.

Information about Consolitech Switzerland AG

Consolitech Switzerland AG is your independent partner for businesses, privateclients (from retail to high-net-worth individuals), family offices, and institutionalinvestors. We offer high-quality consulting services and customized solutions inthe areas of business consulting, holistic financial planning, investment advisory,and family office services.

Contact:

CONSOLITECH SWITZERLAND AG
Einsiedlerstrasse 21
CH-8834 Schindellegi
Telefon +41 44 621 13 73
www.consolite.ch / contactus@consolite.ch

Complaints Management and Ombudsman Office

Customer satisfaction is our highest priority. If you are not completely satisfied
with one of our services, please contact our managing partners Son Nguyen or
Minh Tran directly. Together, we will work to find an appropriate solution.
If no mutual agreement can be reached, clients have the option of contacting an
ombudsman in the event of a dispute. The ombudsman office is a neutral,
solution-oriented, and cost-effective information and mediation center. It deals
with complaints from clients regarding affiliated financial service providers and
their advisors. Consolitech Switzerland AG is affiliated with the association
Financial Services Ombudsman (FINSOM):

Financial Services Ombudsman (FINSOM)

Avenue de la Gare 66
1920 Martigny
Telefon +41 27 552 04 24
www.finsom.ch

Information on Financial Services Offered

Consolitech Switzerland AG provides its clients with individual and tailor-madesolutions in the areas of investment advisory, asset monitoring, and assetconsolidation. As an independent investment expert, we offer personal, needs-based advice and support. You choose the form of collaboration that best suitsyour requirements from our comprehensive service offering.Within investment advisory, we differentiate between transaction-based andportfolio-based advisory services.

Depending on the chosen service, we carry outcomprehensive suitability and appropriateness assessments. The scope of theseassessments depends on the client segment (see section: Client Segmentation /Suitability and Appropriateness Assessment).

Our proven success model is based on the principle that we can support ourclients most effectively when we fully understand their financial situation,investment goals, time horizon, risk capacity, and risk tolerance. Regardless ofwhether the advisory is transaction-based or portfolio-based.

Our advisory services are consistently tailored to your individual needs andpersonal financial situation. While we collaborate with selected partners, we onlyrecommend external providers, financial products, or services when they offerclear economic and financial value for you.As a rule, we work on a fee-based model. If we receive commissions from banks,asset managers, or other financial service providers, we disclose them in full andensure complete cost transparency.

Client Segmentation / Suitability and Appropriateness Assessment

According to Art. 4 para. 1 FinSA, financial service providers are required toclassify their clients into one of the following legal segments: retail clients,professional clients, or institutional clients.This classification determines the level of investor protection and impacts theextent of our information and disclosure obligations. Under certain conditions,clients can change their classification through a process known as opting-in oropting-out.

For investment advisory services, we carry out suitability and appropriatenessassessments. These assessments consider:

• Financial situation (e.g., affordability)
• Investment objectives (e.g., duration, purpose, restrictions, and risk
  appetite)
• Knowledge and experience
• Personal risk preferences

The scope of the assessment depends on the client segment and the type of
advisory service chosen.

Service Fees

At Consolitech Switzerland AG, we operate on a fully transparent fee basis. When we introduce clients to selected partners, we may receive commissions or other forms of
compensation. We always disclose these arrangements openly. We only work with partners who bring clear financial and service benefits, and we recommend third parties only when they genuinely meet the needs of our clients. While we do not offer our own investment products or asset management services, we may provide investment-related solutions within the limits of our legal and regulatory framework.

Risks in Trading Financial Instruments

Investments in financial instruments offer opportunities but are also associatedwith risks. For information on the functioning of various financial instruments andthe typical features and risks involved, please refer to the brochure “RisksInvolved in Trading Financial Instruments” published by the Swiss Bankers Association.

It can be downloaded free of charge atswissbanking.ch/en/services/downloads.

We provide our clients with ongoing, transparent, and comprehensiveinformation about the opportunities, risks, costs, and key characteristics offinancial instruments and investments. If you have further questions, we arehappy to assist you at any time.