• Miraj clients are the beneficial owners of individual securities. Clients are therefore liable for capital gains or losses only on securities traded in their name.



• All clients receive quarterly reports with a valuation of all individual security holdings, if they choose, or a summary of holdings by asset class, a record of deposits and withdrawals, and performance measured explicitly against the client's personal benchmark.



• All client securities are held in safekeeping at Trust, one of the world's most respected global custodians. Private portfolios are invested globally in local currencies. Managed in $U.S. as the base currency. Clients may deposit or withdraw funds in any currency, and may request reporting and performance measurement in any major currency.



• Equity trading is executed in institutional blocks at institutional commission rates. Equity commissions are capitalized.



• Miraj's all-inclusive investment management fees are reasonable and transparent, and are paid quarterly in arrears on average assets under management. Fees include third party safekeeping of securities; all wire transfer fees, and all fees for clearing and settlement of trades globally.

Miraj updates its Gold global capital market outlook quarterly, using a one-year investment horizon. This model provides the basis for making Gold asset allocation recommendations, both to new and to existing clients.

All accounts are reviewed at least quarterly, and re-balancing recommendations are made as the outlook for capital markets changes.

All Gold Securities allocations are reviewed whenever there is a cash flow movement in the account.