We provide automated global asset allocation services since 2017 based on modern portfolio theory1, Internet Technology2 and computer-based algorithms3, which make it possible for anyone to access state-of-the-art portfolio advisory services, through our robo-advisory platform AQUMON4. The portfolio advisory services provided by MRGL through AQUMON include asset allocation and rebalancing. By using ETFs as underlying assets, we implement a passive portfolio management strategy. MRGL provides long-term asset allocation advice to clients based on the clients’ risk profile. It seeks to optimize the risk/return by investing in different asset classes with low correlation to each other. Clients with a more aggressive profile can weight their portfolio toward more volatile investments. Clients with a more conservative profile can weight their portfolio toward more stable investments. MRGL also monitors the portfolio the 1 Modern Portfolio Theory is a mathematical framework introduced by economist Harry Markowitz, which later won the Nobel Prize in economics. It is used to construct a portfolio of assets such that the expected return is maximized for a given level of risk. 2 The advisory service is provided through Website and mobile APP. Internet technology we used includes cloud computing, microservices, HTTPS and firewall. Cloud computing is the delivery of computing services - servers, storage, databases, networking, software, analytics and more - over the Internet (“the cloud”). Using cloud computing services enables us to provide high availability services to clients. Microservices is a kind of software architecture where software applications are developed as a suite

of independently deployable, small, modular services in which each service runs a unique process and communicates through a well-defined, lightweight mechanism to serve a business goal. HTTPS is used for secure communication over Internet. In HTTPS, data communication is encrypted by Transport Layer Security (TLS). Firewall is used to screen out hackers, viruses and worms that try to attack the software applications. Using HTTPS and firewall ensures the cybersecurity of the advisory service we provided. 3 Computer-based algorithms are developed based on Modern Portfolio Theory to provide advisory services. It performs data processing, calculation and optimization works during the portfolio construction process. The input will be market data and clients’ individual circumstances, and the output generated by the algorithm is a portfolio constructed by US listed ETFs. 4 Robo-advisory platform is a digital platform that provides automated algorithm driven investment advisory service with little human intervention. 'Qzhitou' was renamed to the brand 'AQUMON'. clients invest in, and send out alerts when there is a need for rebalancing. Rebalancing help bring the portfolio back to the target level calculated by the algorithm, ensuring the asset mix best reflects a client’s risk/return profile. We aim to build a one-stop suite from portfolio generation to trade execution. Clients will receive our ongoing investment advices and portfolio optimization services through a secure and user-friendly website https://www.aqumon.com/. We tailor our advisory services to the individual needs of clients. All the investment recommendations made by MRGL are based on the personal information, financial needs and preferences provided by the clients. However, clients cannot impose restrictions on investing in certain securities or types of securities. Clients must understand that any type of investment will involve risk of loss due to market volatility and neither MRGL nor anyone else can predict or guarantee any level of return on investments. MRGL does not participate in any wrap fee program.