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The Client acknowledges, in accordance with the provisions of Articles 8-9 FinSA and 13-14 FinSO, the following information available to him from Arcora Gestion SA (hereinafter the “Company“).

1.General information

Company name: Arcora Gestion SA
Siège social : Boulevard des Philosophes 8, 1205 Geneva
E-mail address : info@arcora.ch
Website : www.arcora.ch

2.Assessment of the appropriateness or suitability of the service offered

The Client is informed that he is considered a private client and that an assessment of the appropriateness or suitability of the financial services offered will be carried out. In case the classification is changed to professional client after an interview with the Company, the Company will assume, when assessing the suitability, that the Client has the necessary knowledge and experience and is able to financially bear the investment risks related to the financial service

3.Field of activity

The Company is mainly active in asset management and investment consulting.

4.Surveillance status

The Company is an asset manager within the meaning of art. 2, para. 1, letter a FinIA authorized by the Swiss Financial Market Supervisory Authority FINMA and subject to the supervision of the self-regulatory and supervisory body AOOS (Swiss supervisory limited company authorized by FINMA, Rue Rousseau 30 in Geneva).

5.Risks related to financial instruments

Financial instruments are defined as:

equity securities (shares, participation certificates or profit sharing certificates and the like);
debt securities, i.e. securities that are not equity securities;
units in collective investment schemes;
structured products, such as guaranteed capital products, maximum return products and certificates;
derivatives, i.e. financial contracts whose value fluctuates according to one or more underlying assets;
deposits where the redemption value or interest rate is dependent on risk or price, except those where the interest rate is linked to an interest rate index; and

The purchase on behalf of the Client, the inclusion and holding in the portfolio of financial instruments entails, inter alia, the following risks (the list is not exhaustive; for more details, please refer to the Swissbanking publication “Risks involved in trading financial instruments” (2023), which can be found at :

Country risk
-the value of a financial instrument, and thus its disposability, depends on various political, legal and economic factors in the country where the financial instrument is issued, held or brought to market;
Issuer risk
-there is a risk that the issuer of the financial instrument, i.e. any person who issues or intends to issue securities, will become insolvent;
Execution risk
-it occurs when the financial instrument must be purchased at a specified price before delivery. In this case, there is a risk of paying the purchase price without receiving the purchased financial instrument on time or at all;
Foreign exchange risk
-if the currency in which an investment portfolio or deposit is managed and recorded (reference currency) does not correspond to the base currency of the financial instrument, the risks associated with exchange rate fluctuations shall be taken into account;
Liquidity risk
-this is the risk that an investor may not be able to exit an investment at all times and at an appropriate price. The market is said to be “illiquid” when certain financial instruments and derivatives do not sell, or only with difficulty and at a very low price;
Interest rate risk
-this is an eventuality to which bondholders are exposed, particularly in periods of rising interest rates. In such cases, a fall in the price of the bonds normally generates capital losses if the securities are sold before maturity. The reason for this is that new bonds are issued at higher rates, so that existing securities become less attractive;
Market (or volatility) risk
-over time, the prices of financial instruments are subject to fluctuations. The range of fluctuation over a given period is described by a financial indicator called “volatility”. In other words, volatility is the unit of measurement for market risk;

The Company does not guarantee the performance or success of the investment activity. The investments made may result in an increase in value, but also in a loss.

6.Investment policy

The Company has the right and obligation to select and make investments within the chosen policy by purchasing the appropriate financial instruments. The financial institution is free to make investment decisions, but will follow your personal guidelines.

7. Conflicts of interest and economic constraints

The Company takes the necessary organizational measures to ensure that the interests of its employees not conflict with those of the Client and that the interests of its clients do not conflict with each other.

In this regard, the Client acknowledges that :

The Client is not part of a group/holding company, respectively its ownership and management structure does not present elements of potential or actual conflict with the interest of the client.

The Client is informed that the following circumstances may give rise to a conflict of interest:

The compensation system for the Company’s asset management staff provides for variable incentives based on: invested volumes/performance of assets under management/assets under management.

A particular critical factor is the indemnification received from third parties. In this regard, in addition to its compensation, the Company receives the following indemnities from third parties:

administrative and intermediation fees (charged by the custodian bank to the Client); it should be noted that this percentage ranges from a minimum of 0% to a maximum of 1% of the Client’s total assets;
Retrocessions received for the acquisition of specific financial products (investment funds, structured products, etc.) for an amount between 0% and 0.50% of the total assets of the Client.

In any case, the total amount of remuneration received will not exceed 1.50%.

8.Market offer taken into consideration for the selection of financial instruments

The financial institution selects financial instruments for the Client from an unlimited range, with no obligation to favour those of certain issuers.

9.Mediation

The Company is affiliated with the following ombudsman OFS Ombud Finance Switzerland, located at rue du Conseil Général 10 in Geneva.

The Client is informed that in the event of a dispute with the Company, he may initiate a mediation procedure before the ombudsman. The ombudsman will resolve the dispute in an unbureaucratic, fair, expeditious, impartial and confidential manner at little or no cost.

¹These are the members of the management, supervisory and control bodies, the members of the management body, the members with unlimited liability and the persons exercising similar functions (Art. 30 FinSO).

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