Umo Capital About us Contact A Finnish Family Office Since its establishment in 1949 Umo Capital Oy, previously known as Ulkomarkkinat Oy, has been run as a family office based in Helsinki, Finland. Originally, the company's main businesses concentrated on importing machinery and equipment for the local meat-processing as well as other food-related industries. Subsequently, the product range was broadened, targeting smaller retailers as well as supermarkets. An essential development for the company's success has been its ability to make strategic decisions at the right time. The company is renowned for its excellent customer care and service. Today Umo Capital operates under the management of the third generation of the original founders. As a family office Umo Capital has a professional team managing the fiduciary, trust & estate businesses as well as all other financial investments. Umo Capital invests in private equity and venture capital opportunities and reviews investments in all asset classes both in Finland and globally. © Umo Capital Oy

Umo Capital About us Contact Umo Capital as an Investor Where is Umo Capital heading to? Umo Capital Oy is a private investment company with a long-term investment horizon. We are committed to seek stable returns over each financial year and cycle, which in turn should preserve and foster the owners’ capital. How does Umo Capital plan to get there? Umo Capital is a mature yet opportunistic investor which pays considerable attention to Finland and the Nordic region. Umo Capital’s portfolio holds most asset classes, including private equity, real estate and hedge funds. Even though the focus is predominantly on the Nordic region, Umo Capital is globally diversified with non-Nordic assets within its portfolio. Umo Capital strongly believes in a dynamic portfolio allocation, allowing it to be proactive, reactive and flexible according to market movements. A carefully determined investment philosophy, along with an understanding of fundamentals, as well as allocation guidelines, capture the principals of Umo Capital’s investment strategy. What level of risk is Umo Capital willing to accept? Umo Capital also believes in a dynamic portfolio allocation between asset classes. In the short-term, the variation in the equity and cash position is the key to mitigate risk as the greatest weight of the portfolio is in equities and equity related risk investments. Over the longer term Umo Capital have considerable confidence in its core holdings, which tend not to vary despite market volatility. The risk-return level is carefully determined between the investment team’s strategy and the shareholders’ objectives to create a mutual understanding of the investment opportunities in various market situations. Umo Capital values Expertise & market/product knowledge Reliability/continuity Long-term commitment Strong track record © Umo Capital Oy