LOYALTY MUTUAL FUND

Loyalty Mutual Fund: Where Loyalty Meets Legacy

LOYALTY MUTUAL FUND Utility Token – Private Call for Corporate & Institutional Investors

We are pleased to announce a Private Call for strategic investors to participate in the LOYALTY MUTUAL FUND Utility Token, a digital asset structured to provide secure, asset-backed exposure to high-performing global investment vehicles.

This exclusive offering is specifically tailored for:

• Corporate Investors

• Banks & Financial Institutions

• Investment Groups & Funds

• Family Offices & Asset Managers

Through this initiative, we aim to build long-term strategic partnerships with established financial entities seeking to diversify their portfolios with regulated, blockchain-based instruments. The LOYALTY MUTUAL FUND Utility Token is anchored in real assets and developed under a robust legal and financial framework, offering:

• Enhanced liquidity

• Institutional-grade compliance

• Access to diversified revenue streams

• Token-based integration with asset protection trusts in BVI, Bahamas, and South Dakota (USA)

Qualified participants will receive detailed documentation, a private pitch deck, and full access to our legal, technical, and strategic teams to ensure transparency and alignment throughout the onboarding and investment process.

Empowered by Zambelli International Consulting LLC (USA) and Wise Universal Group (UK), the Loyalty Mutual Fund introduces a revolutionary gateway to global digital investment. Designed for modern investors, innovators, and visionaries, this fund bridges the gap between traditional wealth and the future of finance—through blockchain-powered, asset-backed security tokens.

 Digital Asset-Backed Investment for Everyone

“Invest in What Matters. Own What’s Real.” For the first time, individuals and institutions alike can gain access to fractional ownership of premium, globally diversified assets—from real estate and technology to intellectual property, receivables, and natural resources. These assets, valued at over USD 506 Billion, are digitized and regulated, making them accessible to a broader range of investors than ever before. With the Loyalty Mutual Fund, your portfolio grows with confidence, stability, and international credibility.

 Smart, Secure, and Scalable

“Your Investment. Tokenized. Legalized. Optimized.” Combining blockchain technology, smart contract infrastructure, and expert asset management, Loyalty Mutual Fund offers: Full compliance with U.S. SEC Rules 506(b), 506(c), FINRA, FCA UK, and BVI SIBA Act Automated, transparent, and traceable transactions Reduced friction, middlemen, and processing time A platform engineered for scalable growth and minimal risk

 Global Asset Exposure with Local Advantages

“Think Global. Benefit Local.” Gain strategic access to a wide range of tokenized global assets, while leveraging the tax efficiencies and legal security of established fiduciary jurisdictions: British Virgin Islands (BVI) Bahamas South Dakota (USA) United Kingdom Luxembourg This structure ensures that your investments remain protected, diversified, and compliant at every level.

 Tailored Investment for the Modern Investor

“Built for Institutions. Open to Everyone.” Whether you're an individual seeking passive income or a corporate family office looking to diversify, the Loyalty Mutual Fund offers personalized solutions for every scale of investor. Participate in: Real estate ventures Intellectual property portfolios Renewable energy and technology innovations Healthcare infrastructure and emerging markets All under a robust legal framework with cutting-edge digital integration.

 Maximized Returns, Minimal Risk

“Protect Your Capital. Power Your Growth.” Your investments are collateralized, insured, and tokenized, reducing exposure while optimizing yield. Through trust structures, digital custody, and on-chain validation, the Loyalty Mutual Fund merges old-world asset protection with next-gen digital acceleration. Key advantages include: Up to 9% compound annual interest from existing assets Structured funding opportunities from USD 50 Million to USD 20 Billion 0.1% monthly management fee or reduced one-time tokenization cost (for pre-collateralized projects) Alignment with over 500,000 accredited global investors

A Smarter Way to Invest in the Future

The Loyalty Mutual Fund, a collaboration between Zambelli International Consulting LLC (USA) and Wise Universal Group (UK), marks a pivotal evolution in global investing—merging the proven principles of traditional finance with the innovative strength of blockchain technology and digital asset tokenization.

Through this fund, investors gain access to a secure, diversified, and regulated investment ecosystem, underpinned by USD 506.49 billion in audited, real-world assets, ranging from receivables and natural resources to cutting-edge intellectual property. Whether you're a seasoned institutional investor or an emerging market project owner, the Loyalty Mutual Fund offers a structured path toward growth, diversification, and digital transformation. Backed by rigorous compliance with SEC, FINRA, FCA, BVI SIBA, and international fiduciary standards, and supported by smart contracts and a global network of accredited investors, the Loyalty Mutual Fund is not just an investment vehicle — it’s a visionary platform for the next generation of capital allocation.

1. Asset Tokenization

Digital representation and fractionalization of real and financial assets (public/private debt, commodities, financial instruments, IP, etc.) through the issuance of: Security Tokens (ATARAXIUM & IPSA SCIENTIA)Utility Tokens (LOYALTY & INTEGRATION MUTUAL FUNDS)

Core Features: Blockchain-based token issuance with legal traceability.

Integration of full KYC/AML verification modules.

Automated distribution of rights, benefits, and dividends.

Compliant legal structuring per asset type and jurisdiction.

2. Asset Management Fees (AUM Fees)

Custody and portfolio management of tokenized assets.

Risk-adjusted portfolio rebalancing.

Distribution of profits, yields, and capital gains to token holders.Utility token conversions for access to mutual fund programs and loyalty benefits.

• Fee Structure: Asset management fees (AUM) are a recurring source of income and are typically calculated as an annual percentage of the total assets managed. This percentage can vary depending on the type of fund and its investment strategy.

• Scalability: Funds can increase revenue as assets under management grow. This makes this model highly scalable, especially when the fund has a large volume of investments.

• Diversification: Funds can diversify their revenue streams by combining management fees with other models such as performance fees or tokenization fees.

  
  

3. Tokenization-as-a-Service (TaaS)

• B2B Model (Business to Business): This service can be licensed to companies looking to tokenize their assets, whether for facilitating investment, transfer, or liquidation. Tokenization can include real estate, private equity, intellectual property, or consumer goods.

• Transaction-Based Revenue Model: A fee can be charged per asset tokenized on the platform. This can include implementation fees, token issuance fees, and commissions on each tokenization transaction.

• Regulatory and Compliance: Companies using the tokenization service must comply with local and international regulations. Therefore, it is important to offer a robust compliance solution as part of the Tokenization-as-a-Service offering.

4.Performance Fees

• Incentive Model: Performance Fees are common in high-performance funds like hedge funds and private equity funds. These fees are generally charged as a percentage of the profits generated that exceed a predetermined minimum return.

• Calculation: The percentage can range from 10% to 30% of the profits generated by the fund, depending on the fund's type and investment strategy. In some funds, these fees are only charged if the fund exceeds a hurdle rate ( a 5% annual return).

• Advantages: This model incentivizes fund managers to generate high returns, as their earnings are tied to the fund's performance. It also creates alignment between the fund managers' and investors' interests.

5. Digital Custody

• Security and Custody: Custody fees are essential to ensure tokens are protected in a secure digital environment. Companies providing digital custody services offer secure storage of cryptocurrencies and tokens, ensuring that assets are managed in accordance with applicable regulations.

• Investor Benefits: Digital custody ensures that tokenized assets are protected from external threats, such as hacking, and helps investors comply with audit and financial security regulations.

• Scalability: Custody fees are typically calculated based on the value of assets held in custody and can be either annual fees or transaction-based fees. This revenue model is predictable and recurring, making it ideal for services requiring long-term protection of digital assets.

PITCH DECK INVESTORS ATARAXIUM -IPSA SCIENTIA -2025.pdf

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Loyalty Mutual Fund  “Built Trust. Smart Decisions. Diversify Assets. Secure and Prosper.”

Investments Powered by Blockchain Technology.

Breakdown & Strategic

“Built Trust” This speaks to the foundation of everything we do. With a legacy of over 25 years advising governments, Fortune 500 companies, and financial institutions, Zambelli International Consulting and Wise Universal Group bring reputational strength and long-standing fiduciary expertise. Investors need to know that their capital is not just managed — it's protected, respected, and grown with integrity.

 “Smart Decisions” The Loyalty Mutual Fund is designed for forward-thinkers. Every element of the structure — from digital tokenization to legal compliance across multiple jurisdictions — reflects strategic intelligence and technological precision. Investors aren't just placing funds — they're making informed decisions empowered by analytics, automation, and trusted guidance.

 “Diversify Assets” Access to a broad, high-value portfolio is what sets the Loyalty Mutual Fund apart. From real estate and natural resources to patents, receivables, and IP portfolios, investors enjoy broad exposure across multiple sectors, regions, and asset classes — all fully digitized and registered through a robust legal framework. Risk mitigation meets performance-driven strategy.

 “Secure and Prosper” Security is not a feature — it’s a foundation. Through blockchain-enabled custody, smart contracts, and international fiduciary oversight, every transaction and investment is verifiable, encrypted, and traceable. Prosperity is the result of these safeguards, giving investors a true balance of safety and opportunity for wealth growth.

 

“Investments Powered by Blockchain Technology” This is the engine driving everything forward. Blockchain enables transparency, automation, and immutability, removing traditional bottlenecks and creating a trustless environment where investors and project owners can interact with complete assurance. It’s not just about tech — it’s about redefining how the world invests.

 Why Choose the Loyalty Mutual Fund?

“Loyal to Vision. Committed to Value.”  Legal excellence with over 25 years of advisory legacy  Multi-jurisdictional compliance and fiduciary oversight  High-value tokenized assets and intelligent financial engineering  Transparent smart contracts and verified ownership  Global investor access and long-term security

"Your Trusted Path to Diversified, Secure Investments"

Build trust through innovative technology.

"The Loyalty Mutual Fund: Your Pathway to Secure, Diversified Investments"

The Loyalty Mutual Fund is not just a financial instrument, but a strategic gateway to long-term wealth accumulation, offering a seamless blend of trust, security, and global diversification. This innovative fund is designed for investors who seek stability in an ever-evolving market. With blockchain technology as its backbone, this fund enables secure, transparent, and frictionless access to premium, tokenized assets across a variety of sectors and borders.

We ensure that each transaction is underpinned by trust, thanks to our strong legal framework and cutting-edge technology. This combination creates a unique investment platform that allows you to diversify, grow, and secure your wealth for the long term.

"Built Trust, Smart Decisions, Diversify Assets… Secure and Prosper. Investments Powered by Blockchain Technology."

1. Built Trust Trust is the cornerstone of any successful investment strategy. With over 25 years of expertise and a legacy of legal diligence, the Loyalty Mutual Fund offers a foundation of reliability and integrity. This trust is vital in a world of ever-increasing digital assets, ensuring that every step of your investment journey is protected, transparent, and legally sound.

2. Smart DecisionsBy combining traditional asset management principles with cutting-edge blockchain technology, the Loyalty Mutual Fund is designed for forward-thinking investors. The fund utilizes smart contracts to automate governance and compliance, ensuring your decisions are not only informed but also backed by transparency and efficiency.

   
   

3. Diversify AssetsIn today’s globalized financial environment, diversification is essential. The Loyalty Mutual Fund gives you access to a diversified range of tokenized assets — from real estate and intellectual property to natural resources and financial instruments — all securely managed through blockchain technology. This allows investors to reduce risk while positioning themselves for growth across multiple sectors and jurisdictions

   
   

4. Secure and Prosper The Loyalty Mutual Fund ensures that your investments are securely backed by real-world assets and managed through blockchain-enabled transparency. Our approach to asset protection and wealth creation is designed to offer peace of mind, while maximizing your opportunities for long-term prosperity. With blockchain's robust security features, we ensure that your investments are shielded from risks, giving you the confidence to prosper.

   
   

5. Investments Powered by Blockchain Technology By embracing the latest blockchain innovations, the Loyalty Mutual Fund revolutionizes the way investments are structured, managed, and protected. Blockchain’s immutability, traceability, and transparency ensure that every step of your investment journey is recorded securely, and every transaction is executed with unmatched efficiency.

   
   

ZAMBELLI INTERNATIONAL CONSULTING LLC-LOYALTY-MUTUAL-FUND -UTILITY TOKENS.pdf

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Why the Loyalty Mutual Fund Is Your Best Investment Choice:

The Loyalty Mutual Fund stands at the crossroads of tradition and innovation. It draws on years of experience and an established reputation for integrity, while embracing blockchain technology to create a more secure, efficient, and transparent investment platform. By tokenizing high-value global assets, the fund offers an innovative way to diversify and grow your wealth, while ensuring that you are always in control of your investments.

This is your opportunity to invest in premium assets across sectors, with the peace of mind that comes from knowing that each transaction is regulated, compliant, and secure. Whether you're looking to invest in real estate, technology, or natural resources, the Loyalty Mutual Fund provides the right tools, strategies, and protections to help you reach your financial goals.

Are you ready to secure your future with the Loyalty Mutual Fund?

Start building trust, making smart investment decisions, and diversifying your assets today. With blockchain-powered security and a commitment to long-term growth, the Loyalty Mutual Fund is your trusted partner for a prosperous tomorrow.

Unlocking Exceptional Returns for Our Stakeholders

As we continue to identify high-potential investment opportunities, we remain focused on delivering exceptional returns for our stakeholders. Our approach is rooted in thorough market analysis, strategic foresight, and a deep understanding of the industries we operate in. We believe that by aligning our investments with the most promising global trends, we can maximize both financial performance and long-term growth.

Zambelli International Consulting LLC is dedicated to providing our investors with consistently strong returns, driven by the value we create in the markets we enter. Whether it’s through our luxury real estate developments, renewable energy projects, or investments in next-generation technologies, we are confident in our ability to generate superior financial outcomes. Our diverse portfolio ensures that we mitigate risk while capitalizing on opportunities for growth, which in turn enhances the value for our stakeholders and partners.

IMPORTANT LEGAL NOTICE

Exclusion of Certain Jurisdictions – Legal, Ethical, and Strategic Restrictions

This proposal, in all its parts—whether in preliminary, summary, or detailed form—expressly excludes any form of participation, distribution, negotiation, or investment by private individuals, institutional investors, corporate entities, or public institutions domiciled in or operating under the jurisdiction of:

• The Republic of France

• The Swiss Confederation

• The Kingdom of Bahrain

• The Argentine Republic

Such exclusions are implemented due to the presence of potential conflicts of interest, matters of ethical incompatibility, and the need to preserve trade secrets, strategic confidentiality, and professional privilege, as well as to comply with local and international regulations related to capital markets, anti-money laundering (AML), insider information, and fiduciary duty.

This legal restriction applies to all current and future offerings, negotiations, or investment vehicles, including but not limited to the issuance and commercialization of:

• Security Tokens under the proprietary names ATARAXIUM and IPSA SCIENTIA

• Utility Tokens associated with the LOYALTY & INTEGRATION Mutual Funds

• Any other tokenized asset, structured product, or regulated financial instrument originating from or linked to the operations of:

  
  

ZAMBELLI INTERNATIONAL CONSULTING LLC (United States)WISE UNIVERSAL GROUP LTD (United Kingdom – Holding Company)

These digital and financial instruments are developed in compliance with the regulatory frameworks of the U.S. Securities and Exchange Commission (SEC), the Financial Industry Regulatory Authority (FINRA), the Financial Crimes Enforcement Network (FinCEN), and the Financial Conduct Authority (FCA) in the United Kingdom, including the applicable provisions under the Crime and Courts Act 2002, the UK Bribery Act 2010, and the regulations of the London Stock Exchange.

Unauthorized access, distribution, or use of this information by any party operating in the above-excluded jurisdictions may constitute a breach of international economic and legal obligations and could be subject to civil, administrative, or criminal liability.

All intellectual property related to these instruments, including their name, structure, valuation methodology, and regulatory positioning, is fully protected and registered under applicable international treaties governing intellectual property and financial innovation.

A Call to Join the Journey of Transformation and Growth

As we continue on our path of strategic transformation, we invite you to join us in this exciting journey. Together, we can continue to shape the future of global business and investment by capitalizing on the most promising opportunities across the world. Whether you are an investor looking for the next high-growth opportunity, a company seeking strategic partnerships, or a partner interested in creating lasting value, Zambelli International Consulting LLC offers an unparalleled platform for success.

We believe that the next phase of global business will be defined by bold investments, transformative technologies, and sustainable growth. By aligning with Zambelli International, you are not only joining a company with a proven track record of success but also partnering with a firm that is dedicated to creating meaningful change in the world. Together, we will continue to drive the future of investment, empowering businesses and communities worldwide to thrive and prosper.

Let’s shape the future of global business together, one strategic investment at a time.

Thank you for your continued trust and support.

Sincerely,

The Zambelli International Consulting LLC Team

Confidentiality and Intellectual Property Notice

Note: The contents of this offering are strictly protected and subject to the highest standards of confidentiality. All information, data, analyses, schematics, and related documents are the exclusive property of Zambelli International Consulting LLC and Wise Universal Group Holding Company, and are safeguarded by:

1. Federal Trade Secret Protections

   • Governed by the Defend Trade Secrets Act of 2016 (DTSA) and the various state adaptations of the Uniform Trade Secrets Act (UTSA).

   • Unauthorized disclosure, use, or misappropriation may result in both civil and criminal penalties.

2. SEC Confidentiality Regulations

   • Subject to U.S. Securities and Exchange Commission requirements regarding non‑public offering materials and insider information.

   • Includes, without limitation, SEC rules prohibiting the improper distribution of private placement documentation.

3. Intellectual Property Rights

   • All presentation materials, financial models, tokenization frameworks, and associated software are protected by U.S. copyright law, patents, and database rights, as well as applicable international treaties.

   • Reproduction, distribution, or use for any purpose other than internal evaluation of this offering requires prior written authorization from Zambelli International Consulting LLC.

Permitted Use and Non‑Disclosure

• This material is provided solely to expressly authorized recipients on the condition of absolute confidentiality.

• Copying, reproducing, distributing, publishing, or disclosing any part of this information for any purpose not explicitly permitted in writing is strictly prohibited.

• Violations of these obligations will give rise to legal liability, including claims for damages and, where appropriate, criminal prosecution under applicable laws.

For any questions or requests for disclosure authorization, please contact:

Legal Department

Zambelli International Consulting LLC

Email: ceo-director@zambelliconsulting.com

Phone: +1 (332) 331‑8599