OUR OFFERINGS: KRISTAL FREEDOM ACCOUNT

Client Category • Retail

• non-Retail / Private Wealth / Accredited Investor (as per SGP definitions)

Client Jurisdiction • Residency: ALL except India & USA • Nationality: ALL except USA • Tax: ALL except USA

Onboarding Entity • KRISTAL Advisors SG Pte Ltd

Broker & Custodian • Saxo Capital Markets Pte Ltd. Singapore and their global custodians

Trustee Bank • DBS Bank Singapore

Markets • Global, Markets with restricted currencies not available (e.g. INR)

Product • ETFs

• ETF KRISTALs

Services • Investment Goal aligned AI & Advisory self-serve Algorithm to construct, monitor and rebalance portfolio

• iOS / Android App

Minimum Investment • No minimum required (USD 5,000 recommended)

Fees & Charges • A/C value <= USD 50,000:

NIL (if 25 or less buy/sell of Kristals per calendar year; Every SIP initiation / pause / stop is considered as 1 trade), ELSE

0.30%p.a. of A/C value, charged QUARTERLY, computed MONTHLY on calendar month-end A/C value

• On Incremental A/C value > USD 50,000:

0.30%p.a. of A/C value, charged QUARTERLY, computed MONTHLY on calendar month-end A/C value

• NO additional brokerage or commissions

• Money transfer and FX conversion charges applicable per Money Movement Fee Schedule