ARE Retail ClientService Guide

Digital-First Private Wealth

July 2020

The information contained herein is only for informational purposes and are subjectto risks. The information should not be construed as any form of advice relating totax, legal, financials, business or any matter and should obtain their own independentadvice. The information is provided on ‘as is’ basis and Kristal.AI or its affiliates, doesnot make any representation, undertaking, warranty, guarantee, or other assuranceas to the timelines, completeness, correctness, reliability, or accuracy of thematerials and data herein. The information contained should not be construed as anoffer to sell, purchase securities and/or to provide services by Kristal.AI or itsaffiliates. Any such transaction shall be subject to a contractual understanding,necessary documentation, applicable laws, approvals and regulations. Kristal.AI andits affiliates accept no liability or responsibility whatsoever for any direct orconsequential loss and/or damages arising out of or in relation to any use ofopinions, forecasts, materials and data contained herein or otherwise arising inconnection therewith.

Disclaimer

3 Company Info .................... Our Story

Why Kristal.AI

Contents

Client Service Guide2

6 Fee Structure .....................

8 Account Opening ...............

Kristal Freedom Account

Sign-up & KYC

Risk Profiling

Kristal Private Wealth

14 Account Funding

01

Client Service Guide

CompanyInformation

Company Information

Founded by Asheesh Chanda and Vineeth Narasimhan in 2016, what started as an ambitiousidea sketched out on a blackboard, is now present and thriving in three countries. Kristal.AI isoperational in India, Singapore, and Hong Kong, and has clients across Asia, Middle East, andthe United States, committed to providing the best investment strategies to our investors andbuilding a community of portfolio managers, affiliated partners, and investors.

Our Story

Market Growth

USD 150M+AUM as of07/2020

USD 1B+transactions

advised

20+countries

20,000+users

Our diverse team of; financial advisors, researchers and market experts; takes a unique andholistic approach to our clients' needs and word to achieve their goals. Additionally, we are thehumble recipient of numerous accolades, awards, and recognition across the three countries.

Our goal is to only get better and offer you a service that is truly a unique and personalized blendof continuous innovation and financial expertise.

Investment Committee

Kristal.AI is an AI-powered Digital-First Private Wealth platform, built for the new-age investor.Kristal.AI not only enables exposure to global investment opportunities but also provides you withthe expertise of our advisory team supported by AI-based algorithms, enabling you to realize yourinvestment dreams. For the past four years, we have developed our platform to make investingpersonalized, convenient, and affordable for everyone.

Why Kristal.AI

Client Service Guide4

Asheesh ChandaFounder & CEO

Thomas MeichlHead of Advisory

Vivek MohindraCo-Founder &

Responsible Officer

Swapnil MishraHead of Private Wealth

Company Information

At Kristal.AI, your needs come first. We work hard and ensure our clients are at the center ofeverything we do; by offering a personalized and smart approach to wealth management. OurAdvisory Algorithm and professional investment committee considers your goals and risk appetiteto suggest you the most suitable investment options.

In the traditional banking system, only the privileged few were privy to personalized services. Onlythey had the liberty to invest in global markets and stocks. But today, everyone aspires to be aglobal citizen. They want access to opportunities across the world.

Kristal.AI uses technology to bring the world closer to these new-age global investors. Since ourlaunch in 2016, we have built one of the smartest wealth management platforms in Asia withpersonalization, simplicity, and affordability as its core USPs. Our platform has no minimuminvestment limits for an investor to get started. It is personalized to meet the unique needs ofevery individual investor.

Proprietarygenetic

algorithm

InvestmentCommittee

120+

years

Investingwith

Kristal.AI

Tacticalinvestment

May favoremergingmarketsover US

May favorsmall-caps

over large-caps

May increaseindividual asset

allocation

Equity

Hint ofmarkettiming

Marketpatterns &Historical

simulations

Carefully-consideredapproach

Philosophy

Experience

Kristal.AI Investment Philosophy

5Client Service Guide

02

Client Service Guide

FeeStructure

Fee Structure

Kristal Freedom Account

A/C Processing:NIL

A/C Maintenance:NIL

Custody & Asset Operating Fee:No fees for investment up to USD 50,000 and25 or less buy/sell of Kristals per calendar year(from Jan to Dec)

Monthly Management Fee:No fees for investment up to USD 50,000. 0.3%p.a. management fees will be charged forincremental Assets Under Management (AUM)over USD 50,000

FX Conversion:Up to 0.20% from Market Rate(Market Rate available to Kristal.AI is thatprovided by broker)

Funds Deposit:SGD, HKD - NILUSD - up to USD 25AUD, EUR, GBP - up to USD 250

Funds Withdrawal:SGD, HKD - NILUSD - up to USD 250

Remarks:Custody & Asset Operating Fee- Every Systematic Investment Plan (SIP) initiation is considered as 1 buy- If AUM is greater than USD 50,000, the fee will be charged by the broker (Saxo Capital Markets)

Monthly Management Fee- If AUM is greater than USD 50,000: the fee will be charged directly to the account by the broker (Saxo Capital Markets)

Kristal Private Wealth

A/C Processing:NIL

A/C Maintenance:NIL

Custody & Asset Operating Fee:Charged directly to the account by the broker(Saxo Capital Markets and/or Interactivebrokers)

Monthly Management Fee:As per the relevant Fund Kristal Fact Sheet

FX Conversion:Up to 0.20% from Market Rate(Market Rate available to Kristal.AI is thatprovided by broker)

Funds Deposit:SGD, HKD - NILUSD - up to USD 25AUD, EUR, GBP - up to USD 250

Funds Withdrawal:SGD, HKD - NILUSD - up to USD 250

Remarks:Monthly Management Fee- If value of Fixed Income assets is greater 80% of AUM, up to 0.20% p.a. of A/C value will be charged- If value of Fixed Income assets is equal to or less than 80% of AUM, up to 0.30% p.a. of A/C value will be charged- If Derivative products are used, up to 1.00% p.a. of A/C value will be charged

7Client Service Guide

03

Client Service Guide

AccountOpening

9

Account Opening

Sign-up & KYC

Start KYC4

Client Service Guide

Head over towww.kristal.ai andclick 'Sign Up'

Click 'Sign Up asRetail' and agreewith the terms

Sign up for anaccount accordingly

1

2

3

Account Opening

Fill in your personalinformationClick on 'NEXT'

1.

2.

5

KYC Documents6

Upload the necessarypassport documentsfor identity proof(jpeg, doc or pdfformat)Upload any availabledocuments from thedropdown for addressproofAfter successfullyuploading, click 'NEXT'

1.

2.

3.

Client Service Guide10

Personal Info

Account Opening

Click on the icon on theright of the dashboard tostart recording the videoFollow the instructionsmentioned whilerecording the videoYou can stop recordingwhen the button appearsClick on 'Upload Video'After the video has beenuploaded, click Next

1.

2.

3.

4.5.

7

Signing ofAgreements

8

Read through theagreementCheck the boxesEnter your name inthe 'Signature' field

1.

2.3.

You have completed your KYC

In Person Verification

11Client Service Guide

Account Opening

Risk Profiling

Accept risk profile10

Update risk profile9

If you are satisfied with theprofile allocated, you mayclose the popup

If you are dissatisfied, mayyou click 'REASSESS'

Amend your detailsaccordingly and submit

If you are satisfied with theprofile allocated, you mayclick 'ACCEPT'

If you are dissatisfied, mayyou click 'REASSESS'

Client Service Guide12

Account Opening

11 Scroll down andverify your mobilenumber

Verify your mobilenumber, the OTP issent to your email

12

You have completed your account setup

Enter the OTP sent to yourregistered email to confirmacceptance of your profile

13Client Service Guide

04

Client Service Guide

AccountFunding

Account Funding

Funding Your Account

Process the fundstransfer

14

Login to your bank accountand authorize the transferto our Kristal.AI account asfollows:

Bank Name:DBS Bank Ltd

SWIFT Code:DBSSSGSG

Bank Address:12 Marina Boulevard, DBSAsia Central, Marina BayFinancial Centre Tower 3,Singapore 018982

Beneficiary / PayeeAccount:KRISTAL ADVISORS (SG)PTE. LTD. CLIENT

Account Number:0720048610

Create a fundtransfer request

13

Tap on 'Add Funds' totransfer funds into yourKristal Account

15Client Service Guide

Account Funding

15 Wait for the requestto be processed

You have completed funding your account

Upon completion, click'Close'. The amount will bereflected in 2-3 businessdays

This payment has to bemade from a bank accountin which the accountholder’s name matchesexactly with Kristal.AIaccount holder’s name.We cannot process third-party payments.

Address of Beneficiary:AXA Tower, 8 Shenton Way,50-03, Singapore-068811

Comments for beneficiary:(Mention your Cash RequestID)

Important1.

2.

Client Service Guide16

For more information, please contact us onWhatsapp at +65 8511 9486 or email tosupport@kristal.ai.

Follow us on LinkedIn, Instagram, Facebook andTwitter to receive the latest Kristal.AI contentand regular market updates.

Visit www.kristal.ai and complete your KYCtoday to get access to exclusive webinars andmore.

© Kristal Advisors (SG) Pte. Ltd. 2020. All rights reserved.

Get in touch with yourKristal relationshipmanagers for support.

Client Service Guide