KRIIS MULTICAP FUND STRATEGY

The Portfolio Manager's investment philosophy and strategy involves the use of intensive fundamental analysis, both quantitative and qualitative, to build and monitor the clients?' portfolios actively, while at the same time avoiding excessive trading and to control risk by keeping clients portfolio adequately diversified, both in terms of the sectors included in those portfolios, as well as with respect to the level of concentration in any specific security. The investment objective of the Discretionary Portfolio Management shall be to undertake, on behalf of the Client, the management and administration of the Assets of the Client aiming to generate returns on the Client's investment in line with the provisions of this Agreement and Investment Objectives, while at the same time endeavoring to reduce the risk of capital loss