About Lowes

The award-winning team at Lowes have many years’ experience with a particular focus of analysing collective investment vehicles. The team has
developed and refined its own investment process over time, which is fundamental in helping them shortlist funds worthy of further investigation. From
there, the funds are subject to a thorough, qualitative analysis through the use of independent research and meeting with the management teams
to truly get under the bonnet and fully understand their respective investment philosophies. This knowledge lets the team create portfolios which
fully align with intended objectives and risk tolerances whilst being diverse in terms of investment style, assets, and geographical regions where
appropriate.

Lowes also have a renowned expertise in structured investments, a sector in which it has been active for longer than most. Not only does the Lowes
team perform their own analysis and selection for products released both in the retail investment space and on the listed market, they also
collaborate with providers in the design of new innovative solutions for clients, Lowes managed funds and the wider market.

All this knowledge and experience is utilised in the running of many portfolios and two OEICS for which Lowes Investment Management Ltd
is the appointed Investment Manager. The MI Diversified Strategy Fund is the longest running of these funds. Managed primarily on a “fund of funds”
basis, the portfolio consists primarily of holdings in other OEICS complimented with a portfolio of structured investments and when deemed
appropriate, Investment Trusts and ETFs.

Lowes are also the appointed Investment Managers to the Lowes UK Defined Strategy Fund, a fund of structured investments and offer a Managed
Portfolio Service on the Embark Investment Platform.

The investment management team at Lowes welcome the opportunity to discuss the Fund and their approach with interested parties so please do not
hesitate to get in touch.