Banque Heritage - Observation deck : 3rd quarter

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Neither the information nor any opinion expressed on this website should be construed as a solicitation, an offer or a recommendation to buy, sell or dispose of any investment, to engage in any other transaction or to provide any investment advice or service. Banque Heritage does not intend to provide investment, legal or tax advice through the Banque Heritage website and does not represent that any securities or services discussed are suitable for any investor. When making an investment decision, the investor should seek the advice of a professional financial advisor. None of the investments, mutual or alternative funds referred to on this website are available to, and prospectuses in respect of them will not be distributed to, persons resident in any country, state or jurisdiction where such distribution would be contradictoryto local law or regulations.

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An investment in a fund of Banque Heritage should only be made after reading the relevant legal documents, such as management regulations, prospectuses, annual and semi-annual reports, all of which can be obtained free of charge from the funds’ representatives in each country where the funds are incorporated or registered.

INVESTMENT PERFORMANCE

The value of investments and the income from them may go down as well as up, and investors may not get back the amount invested. Past performance of an investment is not a guarantee for future performance. Banque Heritage does not intend to provide investment advice to you or any other party. No information or material on this website is to be relied upon for the purpose of making or recommending investments or any other decision.

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UNITED STATES OF AMERICA

None of the investment funds mentioned on this website is or will be registered under the "United States Securities Act" of 1933, as amended. Similarly, the investment funds mentioned on this website are not and will not be registered under the "United States Investment Company Act" of 1940, as amended. Consequently, the above-mentioned investment funds must not in any circumstances be offered or distributed: (i) in the United States of America, in any of its States or in any other political subdivision of the United States of America, or (ii) to or on behalf of or for the benefit of any United States Person (as defined in Regulation S of the "United States Securities Act" of 1933).

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Client Letter from Marcos Esteve, CEO, regarding COVID-19

Dear Sir, dear Madam,

I wanted to write to you personally to inform you of what Banque Heritage has put in place given the current COVID-19 pandemic.

With four offices in Switzerland and clients around the world, we have a robust business continuity plan which has been developed over the last year and which we have put in place last week. It is something which is fully adaptable to the developing state of the pandemic.

Our fundamental priority is to ensure that our day-to-day business continues, all the while providing a safe and healthy work environment for our employees and for our clients.

Across the organization, we have made sure that as many people as possible can work from home. Our IT system allows all employees to work from remote locations with access to our banking system as well as to all of the necessary analytical tools and sources of research (Bloomberg, Morningstar, etc.) as if they were physically in the office.

At the same, we have reduced the number of people present in our various locations to ensure the coordination of activities.

We are adhering to all cantonal and federal decrees as far as hygiene and personal conduct are concerned in order to diminish as quickly as possible the propagation of the virus. In this sense, all cross border business travel has been temporarily suspended, as well as travel between our four office locations in Switzerland. We are equipped with state of the art digital technology and video and telephone conferencing systems, and these are the methods which we are now using to conduct business meetings.

Our Executive Committee is closely monitoring the situation and keeps all employees informed of new developments on a regular basis.

Our core business is the management of your private wealth. Global financial markets are living a period of a confluence of unprecedented events and subsequent volatility. I assure you that we are doing all that is possible to ensure a seamless business continuity at this time of duress, to maintain the highest standards of client service, and to ensure the professional stewardship of the highest caliber of your private wealth.

In closing, I thank you for your trust and confidence and remain at your disposal should you have any concerns or questions.

Sincerely yours,

Marcos Esteve

Chief Executive Officer