<SEC-DOCUMENT>0001104659-22-029515.txt : 20220830
<SEC-HEADER>0001104659-22-029515.hdr.sgml : 20220830

<ACCEPTANCE-DATETIME>20220302203628

<PRIVATE-TO-PUBLIC>

ACCESSION NUMBER:		0001104659-22-029515

CONFORMED SUBMISSION TYPE:	N-2

PUBLIC DOCUMENT COUNT:		17

FILED AS OF DATE:		20220303

DATE AS OF CHANGE:		20220801


FILER:


	COMPANY DATA:	

		COMPANY CONFORMED NAME:			Virtus Total Return Fund Inc.

		CENTRAL INDEX KEY:			0000836412

		IRS NUMBER:				133474242

		STATE OF INCORPORATION:			MD

		FISCAL YEAR END:			1130



	FILING VALUES:

		FORM TYPE:		N-2

		SEC ACT:		1940 Act

		SEC FILE NUMBER:	811-05620

		FILM NUMBER:		22706322



	BUSINESS ADDRESS:	

		STREET 1:		101 MUNSON STREET

		CITY:			GREENFIELD

		STATE:			MA

		ZIP:			01301

		BUSINESS PHONE:		800-272-2700



	MAIL ADDRESS:	

		STREET 1:		101 MUNSON STREET

		CITY:			GREENFIELD

		STATE:			MA

		ZIP:			01301



	FORMER COMPANY:	

		FORMER CONFORMED NAME:	VIRTUS GLOBAL DIVIDEND & INCOME FUND INC.

		DATE OF NAME CHANGE:	20160929



	FORMER COMPANY:	

		FORMER CONFORMED NAME:	VIRTUS GLOBAL DIVIDEND & INCOME FUND

		DATE OF NAME CHANGE:	20160929



	FORMER COMPANY:	

		FORMER CONFORMED NAME:	ZWEIG TOTAL RETURN FUND INC

		DATE OF NAME CHANGE:	19920703




FILER:


	COMPANY DATA:	

		COMPANY CONFORMED NAME:			Virtus Total Return Fund Inc.

		CENTRAL INDEX KEY:			0000836412

		IRS NUMBER:				133474242

		STATE OF INCORPORATION:			MD

		FISCAL YEAR END:			1130



	FILING VALUES:

		FORM TYPE:		N-2

		SEC ACT:		1933 Act

		SEC FILE NUMBER:	333-263245

		FILM NUMBER:		22706321



	BUSINESS ADDRESS:	

		STREET 1:		101 MUNSON STREET

		CITY:			GREENFIELD

		STATE:			MA

		ZIP:			01301

		BUSINESS PHONE:		800-272-2700



	MAIL ADDRESS:	

		STREET 1:		101 MUNSON STREET

		CITY:			GREENFIELD

		STATE:			MA

		ZIP:			01301



	FORMER COMPANY:	

		FORMER CONFORMED NAME:	VIRTUS GLOBAL DIVIDEND & INCOME FUND INC.

		DATE OF NAME CHANGE:	20160929



	FORMER COMPANY:	

		FORMER CONFORMED NAME:	VIRTUS GLOBAL DIVIDEND & INCOME FUND

		DATE OF NAME CHANGE:	20160929



	FORMER COMPANY:	

		FORMER CONFORMED NAME:	ZWEIG TOTAL RETURN FUND INC

		DATE OF NAME CHANGE:	19920703



<IS-FILER-A-NEW-REGISTRANT>N

<IS-FILER-A-WELL-KNOWN-SEASONED-ISSUER>N

<FILED-PURSUANT-TO-GENERAL-INSTRUCTION-A2>N

<IS-FUND-24F2-ELIGIBLE>N

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>As filed with the Securities and Exchange Commission
on March 2, 2022</B>&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B>Investment Company Act File No.&nbsp;811-05620</B>&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B>Securities Act File No.&nbsp;333-</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<!-- Field: Rule-Page --><DIV STYLE="margin-top: 0; margin-bottom: 0; width: 100%"><DIV STYLE="font-size: 1pt; border-top: Black 2pt solid; border-bottom: Black 1pt solid">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 18pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>UNITED STATES SECURITIES AND EXCHANGE <BR>
COMMISSION</B>&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>WASHINGTON, D.C. 20549</B></P>

<P STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 18pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>FORM&nbsp;N-2</B></P>

<P STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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    <TD STYLE="width: 4%; font-size: 10pt"><FONT STYLE="font-family: Wingdings">&#120;</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 </B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
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    <TD STYLE="width: 4%; font-size: 10pt"><FONT STYLE="font-family: Wingdings; font-size: 10pt; color: #0070c0"></FONT><FONT STYLE="font-family: Wingdings">&#168;</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Pre-effective Amendment No.&nbsp; </B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
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    <TD STYLE="width: 4%; font-size: 10pt"><FONT STYLE="font-family: Wingdings; font-size: 10pt; color: #0070c0"></FONT><FONT STYLE="font-family: Wingdings">&#168;</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Post-Effective Amendment No.&nbsp;</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>and/or</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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    <TD STYLE="width: 4%; font-size: 10pt"><FONT STYLE="font-family: Wingdings; font-size: 10pt; color: #0070c0"></FONT><FONT STYLE="font-family: Wingdings">&#168;</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>REGISTRATION STATEMENT UNDER THE INVESTMENT COMPANY ACT OF 1940 </B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 4%; font-size: 10pt"><FONT STYLE="font-family: Wingdings; font-size: 10pt; color: #0070c0"></FONT><FONT STYLE="font-family: Wingdings">&#120;</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Amendment No.&nbsp;16 </B></FONT></TD></TR>
  </TABLE>
<P STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 24pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>VIRTUS TOTAL RETURN FUND INC.</B>&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>(Exact name of Registrant as specified in charter)</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>101 Munson Street</B>&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Greenfield, MA 01301-9683</B>&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>(Address of Principal Executive Offices)</B></P>

<P STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Registrant&rsquo;s Telephone Number, including
Area Code:</B>&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>(866) 270-7788</B></P>

<P STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Jennifer Fromm,&nbsp;Esq.</B>&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Vice President, Chief Legal Officer, Counsel
and Secretary for Registrant</B>&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Virtus Investment Partners</B>&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>One Financial Plaza</B>&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Hartford, CT 06103-4506</B>&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>(Name and Address of Agent for Service)</B>&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><I>With Copies to:</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
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    <TD STYLE="width: 100%">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>David C. Mahaffey, Esquire</B></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Sullivan&nbsp;&amp; Worcester LLP</B></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>1666 K Street, NW</B></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Washington, DC 20006</B></P></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Approximate date of proposed public offering:</B>&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>As
soon as practicable after the effective date of this Registration Statement</B></FONT>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 6%; text-align: center"><FONT STYLE="font-family: Wingdings">&#168;</FONT></TD>
    <TD STYLE="width: 94%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Check box if the only securities being registered on this Form&nbsp;are being offered pursuant to dividend or interest reinvestment plans.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Wingdings; font-size: 10pt; color: #0070c0"></FONT><FONT STYLE="font-family: Wingdings">&#168;</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Check box if any securities being registered on this Form&nbsp;will be offered on a delayed or continuous basis in reliance on Rule&nbsp;415 under the Securities Act of 1933 (&ldquo;Securities Act&rdquo;), other than securities offered in connection with a dividend reinvestment plan.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Wingdings">&#168;</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Check box if this Form&nbsp;is a registration statement pursuant to General Instruction A.2 or a post-effective amendment thereto.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Wingdings; font-size: 10pt; color: #0070c0"></FONT><FONT STYLE="font-family: Wingdings">&#168;</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Check box if this Form&nbsp;is a registration statement pursuant to General Instruction B or a post-effective amendment thereto that will become effective upon filing with the Commission pursuant to Rule&nbsp;462(e)&nbsp;under the Securities Act.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Wingdings; font-size: 10pt; color: #0070c0"></FONT><FONT STYLE="font-family: Wingdings">&#168;</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Check box if this Form&nbsp;is a post-effective amendment to a registration statement filed pursuant to General Instruction B to register additional securities or additional classes of securities pursuant to Rule&nbsp;413(b)&nbsp;under the Securities Act.</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>It is proposed that this filing will become effective (check appropriate
box):</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
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    <TD STYLE="width: 6%; text-align: center"><FONT STYLE="font-family: Wingdings; font-size: 10pt; color: #0070c0"></FONT><FONT STYLE="font-family: Wingdings">&#120;</FONT></TD>
    <TD STYLE="width: 94%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">when declared effective pursuant to Section&nbsp;8(c)&nbsp;of the Securities Act.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Wingdings">&#168;</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">immediately upon filing pursuant to paragraph (b)&nbsp;of Rule&nbsp;486.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Wingdings; font-size: 10pt; color: #0070c0"></FONT><FONT STYLE="font-family: Wingdings">&#168;</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">on (date) pursuant to paragraph (b)&nbsp;of Rule&nbsp;486.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Wingdings">&#168;</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">60 days after filing pursuant to paragraph (a)&nbsp;of Rule&nbsp;486.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Wingdings">&#168;</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">on (date) pursuant to paragraph (a)&nbsp;of Rule&nbsp;486.</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>If appropriate, check the following box:</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 6%; text-align: center"><FONT STYLE="font-family: Wingdings; font-size: 10pt; color: #0070c0"></FONT><FONT STYLE="font-family: Wingdings">&#168;</FONT></TD>
    <TD STYLE="width: 94%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">This post-effective amendment designates a new effective date for a previously filed post-effective amendment registration statement.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Wingdings">&#168;</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">This Form&nbsp;is filed to register additional securities for an offering pursuant to Rule&nbsp;462(b)&nbsp;under the Securities Act, and the Securities Act registration statement number of the earlier effective registration statement for the same offering is:</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Wingdings">&#168;</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">This Form&nbsp;is a post-effective amendment filed pursuant to Rule&nbsp;462(c)&nbsp;under the Securities Act, and the Securities Act registration statement number of the earlier effective registration statement for the same offering is:</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Wingdings">&#168;</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">This Form&nbsp;is a post-effective amendment filed pursuant to Rule&nbsp;462(d)&nbsp;under the Securities Act, and the Securities Act registration statement number of the earlier effective registration statement for the same offering is:</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Check each box that appropriately characterizes the Registrant:</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 6%; text-align: center"><FONT STYLE="font-family: Wingdings">&#120;</FONT></TD>
    <TD STYLE="width: 94%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Registered Closed-End Fund (closed-end company that is registered under the Investment Company Act of 1940 (&ldquo;Investment Company Act&rdquo;)).</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Wingdings">&#168;</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Business Development Company (closed-end company that intends or has elected to be regulated as a business development company under the Investment Company Act).</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Wingdings">&#168;</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Interval Fund (Registered Closed-End Fund or a Business Development Company that makes periodic repurchase offers under Rule&nbsp;23c-3 under the Investment Company Act).</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Wingdings">&#168;</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">A.2 Qualified (qualified to register securities pursuant to General Instruction A.2 of this Form).</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Wingdings; font-size: 10pt; color: #0070c0"></FONT><FONT STYLE="font-family: Wingdings">&#168;</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Well-Known Seasoned Issuer (as defined by Rule&nbsp;405 under the Securities Act).</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Wingdings">&#168;</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Emerging Growth Company (as defined by Rule&nbsp;12b-2 under the Securities Exchange Act of 1934 (&ldquo;Exchange Act&rdquo;)).</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Wingdings">&#168;</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">If an Emerging Growth Company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section&nbsp;7(a)(2)(B)&nbsp;of Securities Act.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Wingdings; font-size: 10pt; color: #0070c0"></FONT><FONT STYLE="font-family: Wingdings">&#168;</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">New Registrant (registered or regulated under the Investment Company Act for less than 12 calendar months preceding this filing).</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>




<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>The Registrant hereby amends this Registration Statement on such
date or dates as may be necessary to delay its effective date until the Registrant shall file a further amendment which specifically states
that this Registration Statement shall thereafter become effective in accordance with Section&nbsp;8(a)&nbsp;of the Securities Act of
1933 or until this Registration Statement shall become effective on such date as the Securities and Exchange Commission, acting pursuant
to said&nbsp;Section&nbsp;8(a), may determine.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>















<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>VIRTUS TOTAL RETURN FUND INC.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>FORM&nbsp;N-2</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>CROSS REFERENCE SHEET</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Pursuant to Rule&nbsp;495(a)</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; width: 5%">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; border-bottom: black 0.75pt solid"><B>Item<BR>
    Number</B></P></TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: center; width: 47%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Form&nbsp;N-2</B></FONT></TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: center; width: 46%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Location in Prospectus</B></FONT></TD></TR>
  <TR>
    <TD COLSPAN="5">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="5" STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><U>Part&nbsp;A</U></B></FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Outside Front Cover</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Outside Front Cover Page&nbsp;of Prospectus</FONT></TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2.</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Cover Pages; Other Offering Information</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Outside Front Cover of Prospectus</FONT></TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Fee Table and Synopsis</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Fund Expenses</FONT></TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4.</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Financial Highlights</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Financial Highlights</FONT></TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5.</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Plan of Distribution</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The Offer</FONT></TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6.</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Selling Shareholders</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Not Applicable</FONT></TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">7.</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Use of Proceeds</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The Offer; Use of Proceeds</FONT></TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8.</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">General Description of the Registrant</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The Fund; Market Price and Net Asset Value Information; Investment Objective and Policies; Risk Factors and Special Considerations</FONT></TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9.</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Management</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Management of the Fund; Custodian, Dividend Paying Agent, Transfer Agent and Registrar</FONT></TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10.</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Capital Stock, Long-Term Debt, and Other Securities</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Distributions; Automatic Reinvestment and Cash Purchase Plan; Taxation; Description of Common Stock</FONT></TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11.</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Defaults and Arrears on Senior Securities</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Not Applicable</FONT></TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">12.</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Legal Proceedings</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Legal Matters</FONT></TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">13.</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Table of Contents of the Statement of Additional Information</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Table of Contents of the Statement of Additional Information</FONT></TD></TR>
  <TR>
    <TD COLSPAN="5">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="5" STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><U>Part&nbsp;B</U></B></FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">14.</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Cover Page</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Cover Page</FONT></TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">15.</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Table of Contents</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Table of Contents</FONT></TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">16.</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">General Information and History</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">General Information and History; The Fund (in Part&nbsp;A)</FONT></TD></TR>
</TABLE>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt; width: 5%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">17.</FONT></TD>
    <TD STYLE="vertical-align: bottom; width: 1%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 47%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investment Objectives and Policies</FONT></TD>
    <TD STYLE="vertical-align: bottom; width: 1%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 46%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investment Objective and Policies; Investment Restrictions</FONT></TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18.</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Management</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Management</FONT></TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">19.</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Control Persons and Principal Holders of Securities</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Principal Shareholders</FONT></TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">20.</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investment Advisory and Other Services</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="text-align: left; vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Management of the Fund (in Part&nbsp;A); Custodian, Dividend Paying Agent, Transfer Agent and Registrar (in Part&nbsp;A)</FONT></TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">21.</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Portfolio Managers</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Management of the Fund (in Part&nbsp;A); Portfolio Managers</FONT></TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">22.</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Brokerage Allocation and Other Practices</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Portfolio Transactions and Brokerage</FONT></TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">23.</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax Status</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Taxation</FONT></TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">24.</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Financial Statements</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Financial Statements</FONT></TD></TR>
  <TR>
    <TD COLSPAN="5">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="5" STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><U>Part&nbsp;C</U></B></FONT></TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">25.</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Financial Statements and Exhibits</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Financial Statements and Exhibits</FONT></TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">26.</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Marketing Arrangements</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Not Applicable</FONT></TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">27.</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other Expenses of Issuance and Distribution</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other Expenses of Issuance and Distribution</FONT></TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">28.</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Persons Controlled by or Under Common Control</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Persons Controlled by or Under Common Control with Registrant</FONT></TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">29.</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Number of Holders of Securities</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Number of Holders of Securities as of 2022</FONT></TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">30.</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Indemnification</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Indemnification</FONT></TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">31.</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Business and Other Connections of Investment Adviser</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Business and Other Connections of Investment Adviser and Subadviser</FONT></TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">32.</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Location of Accounts and Records</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Location of Accounts and Records</FONT></TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">33.</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Management Services</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Not Applicable</FONT></TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">34.</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Undertakings</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Undertakings</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B><I>Subject to Completion, Dated &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;,
2022</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>_______ SHARES OF COMMON STOCK</B>&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>VIRTUS TOTAL RETURN FUND INC.</B>&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>ISSUABLE UPON EXERCISE OF NON-TRANSFERABLE</B>&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>RIGHTS TO SUBSCRIBE FOR SUCH SHARES OF COMMON
STOCK</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Virtus Total Return Fund Inc. (the &ldquo;Fund&rdquo;) is issuing non-transferable
rights (&ldquo;Rights&rdquo;) to its shareholders of record as of the close of business on &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;,
2022 (the &ldquo;Record Date&rdquo;) entitling the holders of these Rights to subscribe (the &ldquo;Offer&rdquo;) for up to an aggregate
of ______ shares of common stock, par value $0.001 per share (the &ldquo;Common Stock&rdquo;). Shareholders of record will receive one
Right for each outstanding Fund share owned on the Record Date. The Rights entitle the holders to purchase one share of Common Stock for
every three Rights held, and shareholders of record who fully exercise their Rights will be entitled to subscribe for additional shares
of Common Stock pursuant to an over-subscription privilege described in this Prospectus. Pursuant to the over-subscription privilege,
the Fund may increase the number of shares of Common Stock subject to subscription by up to ___% of the shares, or up to an additional
_______ shares of Common Stock, for an aggregate total of _____ shares. Fractional shares will not be issued upon the exercise of Rights.
The Rights are non-transferable and, therefore, may not be purchased or sold. The Rights will not be admitted for trading on the New York
Stock Exchange (&ldquo;NYSE&rdquo;) or any other exchange. See &ldquo;The Offer.&rdquo; THE SUBSCRIPTION PRICE PER SHARE (THE &ldquo;SUBSCRIPTION
PRICE&rdquo;) WILL BE EQUAL TO 95% OF THE LOWER OF THE NET ASSET VALUE PER SHARE OF THE FUND&rsquo;S COMMON STOCK (&ldquo;NAV&rdquo;)
AT THE CLOSE OF BUSINESS ON _____, 2022 (THE &ldquo;PRICING DATE&rdquo;) OR THE AVERAGE OF THE LAST REPORTED SALES PRICE OF A SHARE OF
THE FUND&rsquo;S COMMON STOCK ON THE NYSE ON THE PRICING DATE AND THE FOUR PRECEDING BUSINESS DAYS.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>THE OFFER WILL EXPIRE AT 5:00 P.M., NEW YORK CITY TIME, ON _____,
2022 UNLESS EXTENDED AS DESCRIBED HEREIN (THE &ldquo;EXPIRATION DATE&rdquo;).</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Fund announced the Offer on ______, 2022. The Fund&rsquo;s Common
Stock trades on the NYSE under the symbol &ldquo;ZTR.&rdquo; Shares issued upon the exercise of Rights and the over-subscription privilege
will be listed for trading on the NYSE, subject to notice of issuance. The net asset value per share of the Fund&rsquo;s Common Stock
at the close of business on _______, 2022 and ______, 2022, the Record Date, was $______ and $______, respectively, and the last reported
sales price of a share of the Fund&rsquo;s Common Stock on the NYSE on those dates was $____ and $______, respectively.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Fund is a diversified, closed-end management investment company.
Its investment objective is capital appreciation, with current income a secondary objective. The Fund has a current target allocation
of investing approximately 60% of its total assets in equity securities and 40% in fixed income. The equity portion of the Fund invests
globally in owners/operators of infrastructure in the communications, utility, energy, and transportation industries. The fixed income
portion of the Fund is designed to generate high current income and total return through the application of active sector rotation, extensive
credit research, and disciplined risk management designed to capitalize on opportunities across undervalued areas of the fixed income
markets.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Fund's investment adviser, Virtus Investment
Advisers,&nbsp;Inc. (&ldquo;VIA&rdquo; or the &ldquo;Investment Adviser&rdquo;), is an indirect, wholly-owned subsidiary of Virtus
Investment Partners,&nbsp;Inc. (&ldquo;Virtus&rdquo;), a NASDAQ listed company. The Investment Adviser has provided investment
advisory services to the Fund since August&nbsp;2016. Duff&nbsp;&amp; Phelps Investment Management Co. (&ldquo;DPIM&rdquo;), an
indirect, wholly-owned subsidiary of Virtus, is the subadviser of the equity portion of the Fund&rsquo;s portfolio; and Newfleet
Asset Management LLC (&ldquo;Newfleet&rdquo; and together with DPIM, the &ldquo;Subadvisers&rdquo;), an indirect, wholly-owned
subsidiary of Virtus, is the subadviser of the fixed income portion of the Fund&rsquo;s portfolio. While the Subadvisers seek to
reduce the risks associated with investing in debt and equity securities, such risks cannot be eliminated. See &ldquo;Investment
Objective and Policies.&rdquo; No assurance can be given that the Fund&rsquo;s investment objectives will be realized. The
Fund&rsquo;s administrator is Virtus Fund Services, LLC (the &ldquo;Administrator&rdquo;). The Fund&rsquo;s Investment Adviser,
Subadvisers and Administrator will benefit from the Offer. See &ldquo;Management of the Fund.&rdquo;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>THESE SECURITIES HAVE NOT BEEN APPROVED OR DISAPPROVED BY THE SECURITIES
AND EXCHANGE COMMISSION OR ANY STATE SECURITIES COMMISSION NOR HAS THE SECURITIES AND EXCHANGE COMMISSION OR ANY STATE SECURITIES COMMISSION
PASSED UPON THE ACCURACY OR ADEQUACY OF THIS PROSPECTUS. ANY REPRESENTATION TO THE CONTRARY IS A CRIMINAL OFFENSE.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>INVESTING IN THE FUND&rsquo;S COMMON SHARES INVOLVES RISKS. SEE
 &ldquo;RISK FACTORS AND SPECIAL CONSIDERATIONS&rdquo; FOR FACTORS THAT SHOULD BE CONSIDERED BEFORE INVESTING IN THE COMMON SHARES OF THE
FUND.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-top: black 1pt solid; width: 46%">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; border-left: black 1pt solid; width: 1%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-top: black 1pt solid; text-align: center; width: 12%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Estimated Price to<BR>
Public (1)</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-left: black 1pt solid; width: 1%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-top: black 1pt solid; text-align: center; width: 10%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Sales Load</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-left: black 1pt solid; width: 1%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-top: black 1pt solid; width: 29%">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Estimated&nbsp;Proceeds&nbsp;to&nbsp;Registrant</B></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>or&nbsp;Other&nbsp;Persons&nbsp;(2)&nbsp;(3)</B></P></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border-top: black 1pt solid; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Per Share</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: black 1pt solid; border-left: black 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-top: black 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-top: black 1pt solid; border-left: black 1pt solid">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">N/A</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: black 1pt solid; border-left: black 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-top: black 1pt solid">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border-top: black 1pt solid; border-bottom: black 1pt solid; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total Maximum (4)</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-top: black 1pt solid; border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-top: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid; border-bottom: black 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">N/A</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-top: black 1pt solid; border-bottom: black 1pt solid">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">The date of this Prospectus is _____, 2022.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Upon the completion of the Offer, shareholders of record who do not
fully exercise their Rights will own a smaller proportional interest in the Fund than they owned prior to the Offer. In addition, because
the Subscription Price will be less than the net asset value per share as of the Pricing Date, the Offer will result in an immediate dilution
of the net asset value per share for all shareholders. Although it is not possible to state precisely the amount of such decrease in net
asset value per share because it is not known how many shares will be subscribed for, what the net asset value or market price of the
Common Stock will be on the Pricing Date or what the Subscription Price will be, such dilution could be minimal or substantial. Any such
dilution will disproportionately affect non-exercising shareholders. See &ldquo;The Offer&rdquo; and &ldquo;Risk Factors and Special Considerations.&rdquo;
Except as described in this Prospectus, shareholders of record will have no right to rescind their subscriptions after receipt of their
payment for shares by the Subscription Agent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">This Prospectus sets forth concisely the information about the Fund
that a prospective investor ought to know before investing. Investors are advised to read this Prospectus and retain it for future reference.
A Statement of Additional Information, dated ____,&nbsp;2022 (the &ldquo;SAI&rdquo;), containing additional information about the Fund,
has been filed with the Securities and Exchange Commission (the &ldquo;Commission&rdquo;) and is incorporated by reference in its entirety
into this Prospectus. The Table of Contents of the SAI appears on page&nbsp;____ of this Prospectus.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Shareholders may obtain a copy, free of charge, of the SAI and the
Fund&rsquo;s annual and semi-annual report to shareholders, or request other information about the Fund, from, and should direct all questions
and inquires relating to the Offer to, the Fund&rsquo;s Information Agent, Georgeson LLC. Banks and Brokers should call _______ and all
other shareholders should call _______. The Fund makes available, free of charge, the SAI and the Fund&rsquo;s annual and semi-annual
report to shareholders at http://www.virtus.com/ZTR. The address of the Fund is 101 Munson Street, Greenfield, MA 01301-9683 and its telephone
number is (866) 270-7788. The Commission maintains a website (http://www.sec.gov) that contains the SAI and other information regarding
the Fund.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-size: 1pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-size: 1pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 4%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(1)</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Estimated, equal to 95% of the lower of the NAV at the close of business on ______, 2022 or the average of the last reported sales price of a share of the Fund&rsquo;s Common Stock on the NYSE on ______, 2022 and the four preceding business days. </FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 4%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(2)</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Before deduction of offering expenses incurred by the Fund, estimated at approximately $725,000. </FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 4%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(3)</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The funds received by check prior to the final due date of this Offer will be deposited into a segregated interest-bearing account (which interest will be paid to the Fund) pending proration and distribution of the shares. </FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 4%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(4)</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Assumes all _______ shares are purchased at the estimated Subscription Price. Pursuant to the over-subscription privilege, the Fund may, at the discretion of the Board of Directors, increase the number of shares subject to subscription by up to 25% of the shares offered hereby. If the Fund increases the number of shares subject to subscription by 25%, the Total Maximum Estimated Subscription Price and Estimated Proceeds to the Fund will be $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; and $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;, respectively. The offering expenses in connection with this offering will be charged against paid-in capital of the Fund.</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Certain numbers in this Prospectus have been rounded for ease of presentation
and, as a result, may not total precisely. All dollar figures are rounded to the nearest dollar and all percentages are rounded to the
nearest hundredth of one percent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>INFORMATION CONTAINED HEREIN IS SUBJECT TO COMPLETION OR AMENDMENT.
A REGISTRATION STATEMENT RELATING TO THESE SECURITIES HAS BEEN FILED WITH THE SECURITIES AND EXCHANGE COMMISSION. THESE SECURITIES MAY&nbsp;NOT
BE SOLD NOR MAY&nbsp;OFFERS TO BUY BE ACCEPTED PRIOR TO THE TIME THE REGISTRATION STATEMENT BECOMES EFFECTIVE. THIS PROSPECTUS SHALL NOT
CONSTITUTE AN OFFER TO SELL OR THE SOLICITATION OF AN OFFER TO BUY NOR SHALL THERE BE ANY SALE OF THESE SECURITIES IN ANY STATE IN WHICH
SUCH OFFER, SOLICITATION OR SALE WOULD BE UNLAWFUL PRIOR TO REGISTRATION OR QUALIFICATION UNDER THE SECURITIES LAWS OF ANY SUCH STATE.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B>PROSPECTUS SUMMARY</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><I>The following summary is qualified in its entirety by reference
to the more detailed information included elsewhere in this Prospectus. Unless otherwise indicated, the information in this Prospectus
assumes that the allowable increase of 25% of the shares offered hereby pursuant to the over-subscription privilege will not occur.</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>The Fund</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Virtus Total Return Fund Inc. (the &ldquo;Fund&rdquo;) is a diversified,
closed-end management investment company registered under the Investment Company Act of 1940, as amended (the &ldquo;1940 Act&rdquo;).
The Fund commenced operations in September&nbsp;1988. The Fund&rsquo;s investment objective is capital appreciation, with current income
as a secondary objective. The Fund has a current target allocation of investing approximately 60% of its total assets in equity securities
and 40% in fixed income. The equity portion of the Fund invests globally in owners/operators of infrastructure in the communications,
utility, energy, and transportation industries. The fixed income portion of the Fund is designed to generate high current income and total
return through the application of active sector rotation, extensive credit research, and disciplined risk management designed to capitalize
on opportunities across undervalued areas of the fixed income markets.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Subject to the supervision of VIA, DPIM  manages the equity portion,
and Newfleet  manages the fixed income portion of the Fund&rsquo;s assets. VIA  monitors the allocation to the Subadvisers on an
ongoing basis, and may rebalance the Fund&rsquo;s assets periodically in its discretion.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The infrastructure companies in which DPIM may typically invest are
issuers involved to a significant extent in providing energy, utility, transportation, communication and other essential services to society.
These essential services include (i)&nbsp;the generation, transmission, distribution or storage of electricity, oil, gas or water, (ii)&nbsp;the
provision of telecommunications services, including telephone, cable television, satellite, and other communications activities; and (iii)&nbsp;the
construction, operation, or ownership of airports, toll roads, railroads, ports, pipelines, or educational and healthcare facilities.
A company will be deemed an infrastructure company if at least 50% of its assets, gross income or profits are committed to, or derived
from, one or more of these activities. Infrastructure owners/operators offer revenues with low variability; stable and predictable cash
flows; an ability to distribute relatively high dividends; and many have inflation-linked revenues via long-term lease contracts. Infrastructure
owners/operators exhibit attractive risk/return characteristics, offer moderate-to-high income and moderate growth; and are defensive
in nature.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Newfleet&rsquo;s objective to generate high current income and total
return is accomplished by applying extensive credit research and a time-tested approach to capitalize on opportunities across sectors
of the bond market that it believes are undervalued. Newfleet seeks diversification in the fixed income portion of the Fund among 14 sectors
in a manner that Newfleet believes may potentially increase return while simultaneously managing risk. The fixed income portion of the
Fund may be invested without limitation in below investment grade securities, also known as junk bonds. A team of investment professionals
provides significant research depth across the 14 bond market sectors currently identified by Newfleet.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">VIA is an indirect, wholly-owned subsidiary of Virtus Investment Partners,&nbsp;Inc.
(&ldquo;Virtus&rdquo;), a NASDAQ listed company. VIA has provided investment advisory services to the Fund since 2016. DPIM, also an indirect,
wholly-owned subsidiary of Virtus, is the subadviser of the equity portion of the Fund&rsquo;s portfolio; and Newfleet, also an indirect,
wholly-owned subsidiary of Virtus, is the subadviser of the fixed income portion of the Fund&rsquo;s portfolio. While the Subadvisers
seek to reduce the risks associated with investing in debt and equity securities, the risk of investment in debt and equity securities
cannot be eliminated. See &ldquo;Investment Objective and Policies.&rdquo; No assurance can be given that the Fund&rsquo;s investment
objective will be realized.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Fund&rsquo;s outstanding common stock, par value $0.001 per share
(the &ldquo;Common Stock&rdquo;) is listed and traded on the NYSE. The average weekly trading volume of the Common Stock on the NYSE during
the year ended December&nbsp;31, 2021 was 719,725 shares and was ________ shares as of &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;,
2022. As of December&nbsp;31, 2021, the net assets of the Fund were $451,276,809.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Virtus Fund Services, LLC (the &ldquo;Administrator&rdquo;) serves
as the Fund&rsquo;s administrator and receives from the Fund an administrative fee computed at the annual rate of 0.10% of the Fund&rsquo;s
average daily Managed Assets. The Fund pays the Investment Adviser a monthly investment advisory fee computed at the annual rate of 0.70%
of the Fund&rsquo;s average daily Managed Assets, which is calculated daily and paid monthly. &ldquo;Managed Assets&rdquo; is defined
as the value of the total assets of the Fund minus the sum of all accrued liabilities of the Fund (other than the aggregate amount of
any outstanding borrowings or other indebtedness, entered into for the purpose of leverage). See &ldquo;Management of the Fund.&rdquo;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Terms of the Offer</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Fund is issuing to its shareholders of record (&ldquo;Record Date
Shareholders&rdquo;) as of the close of business on &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; , 2022 (the
 &ldquo;Record Date&rdquo;) non-transferable rights (the &ldquo;Rights&rdquo;) to subscribe for up to an aggregate of _____ shares of Common
Stock (the &ldquo;Shares&rdquo;) of the Fund. The Fund may increase the number of shares of Common Stock subject to subscription by up
to 25% of the Shares, or up to an additional _______ Shares of Common Stock, for an aggregate total of ________ Shares. Each Record Date
Shareholder is being issued one Right for each whole share of Common Stock owned on the Record Date. The Rights entitle the holders thereof
to subscribe for one Share for every three Rights held (the &ldquo;Offer&rdquo;). Fractional Shares will not be issued upon the exercise
of Rights. If a Record Date Shareholder&rsquo;s total ownership is fewer than three shares, such shareholder may subscribe for one Share.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Rights may be exercised at any time during the Subscription Period,
which commences on &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; , 2022 and ends at 5:00 p.m., New York City
time, on &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;, 2022, unless extended by the Fund until 5:00 p.m.,
New York City time, to a date not later than &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;, 2022 (such date,
as it may be extended, is referred to in this Prospectus as the &ldquo;Expiration Date&rdquo;). A Record Date Shareholder&rsquo;s right
to acquire during the Subscription Period at the Subscription Price (as described below) one additional Share for every three Rights held
is hereinafter referred to as the &ldquo;Primary Subscription.&rdquo; The Rights are evidenced by subscription certificates (the &ldquo;Subscription
Certificates&rdquo;), which will be mailed to Record Date Shareholders, except as discussed in &ldquo;The Offer &mdash; Foreign Restrictions.&rdquo;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The subscription price per Share (the &ldquo;Subscription Price&rdquo;)
will be equal to 95% of the lower of the net asset value per share of the Fund&rsquo;s Common Stock (&ldquo;NAV&rdquo;) at the close of
business on &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;, 2022 (the &ldquo;Pricing Date&rdquo;) or the average
of the last reported sales price of a share of the Fund&rsquo;s Common Stock on the NYSE on the Pricing Date and the four preceding business
days, unless the Offer is extended. Since the Expiration Date and the Pricing Date are each &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;,
2022, Record Date Shareholders who choose to exercise their Rights will not know at the time of exercise the Subscription Price for Shares
acquired pursuant to such exercise. Record Date Shareholders will have no right to rescind a purchase after receipt of their payment for
Shares by the Fund&rsquo;s subscription agent, Computershare Trust Company, N.A. (&ldquo;Computershare&rdquo; or the &ldquo;Subscription
Agent&rdquo;). There is no minimum number of Rights that must be exercised in order for the Offer to close.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Pursuant to the over-subscription privilege (the &ldquo;Over-Subscription
Privilege&rdquo;), any Record Date Shareholder who fully exercises all Rights issued to such shareholder in the Primary Subscription (other
than those Rights that cannot be exercised because they represent the right to acquire less than one Share) will be entitled to subscribe
for additional Shares at the Subscription Price. Shares available, if any, pursuant to the Over-Subscription Privilege are subject to
allotment and may be subject to increase, as is more fully discussed under &ldquo;The Offer &mdash; Over-Subscription Privilege.&rdquo;
For purposes of determining the maximum number of Shares a Record Date Shareholder may acquire pursuant to the Offer, Record Date Shareholders
whose shares of Common Stock are held of record by [&nbsp;&nbsp;] or by any other depository or nominee
will be deemed to be the holders of the Rights that are issued to [ ] or such other depository or nominee on their behalf.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Rights are non-transferable. Therefore, only the underlying Shares
will be listed for trading on the NYSE or any other exchange.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Purpose of the Offer</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Board of Directors of the Fund has determined that it would be
in the best interests of the Fund and its shareholders to increase the assets of the Fund available for investment, thereby enabling the
Fund to more fully take advantage of investment opportunities consistent with the Fund&rsquo;s investment objective. The Fund&rsquo;s
Board of Directors has voted unanimously to approve the terms of the Offer as set forth in this Prospectus.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">In reaching its decision, the Board of Directors considered, among
other things, advice by the Investment Adviser that new funds would allow the Fund additional flexibility to capitalize on available and
potential investment opportunities without the necessity of having to sell existing portfolio securities that the Subadvisers believe
should be held. Proceeds from the Offer will allow the Subadvisers to better take advantage of such existing and future investment opportunities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Board of Directors also considered that the Offer would provide
shareholders with an opportunity to purchase additional shares of the Fund below its net asset value and market price. Although the Board
of Directors believes that a well-subscribed rights offering may result in certain economies of scale which could reduce the Fund&rsquo;s
expense ratio in future years, there is no assurance that by increasing the size of the Fund, the Fund&rsquo;s aggregate expenses, and
correspondingly, its expense ratio, will be lowered. Finally, the Board of Directors considered that, because the Subscription Price per
Share will be less than the net asset value per share on the Pricing Date, the Offer will result in dilution of the Fund&rsquo;s net asset
value per share. The Board of Directors believes that the factors in favor of the Offer outweigh this dilution. See &ldquo;Risk Factors
and Special Considerations &ndash; Dilution &mdash; Net Asset Value and Non-Participation in the Offer.&rdquo;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Investment Adviser, Subadvisers and Administrator will benefit
from the Offer because their fees are based on the Managed Assets of the Fund. It is not possible to state precisely the amount of additional
compensation the Investment Adviser, Subadvisers or Administrator will receive as a result of the Offer because it is not known how many
Shares will be subscribed for and because the proceeds of the Offer will be invested in additional portfolio securities, which will fluctuate
in value. See &ldquo;Management of the Fund.&rdquo;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><I>The information agent (the &ldquo;Information
Agent&rdquo;) for the Offer is:</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Georgeson LLC</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Banks and Brokers Call Collect:&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">[&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">All Others Call Toll-Free:&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">[&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Shareholders may also contact their brokers or nominees for information
with respect to the Offer.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B>Important Dates to Remember</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" ALIGN="CENTER" STYLE="border-collapse: collapse; width: 76%; font: 10pt Times New Roman, Times, Serif">
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif">Event</TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center">Date</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Record Date</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">, 2022</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="width: 75%; font: 10pt Times New Roman, Times, Serif">Subscription Period</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 12%; font: 10pt Times New Roman, Times, Serif; text-align: right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;,&nbsp;2022</TD>
    <TD STYLE="width: 12%; font: 10pt Times New Roman, Times, Serif">&nbsp;to&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;,&nbsp;2022*</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Expiration Date and Pricing Date</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;,&nbsp;2022</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">*</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Subscription Certificates and Payment for Shares Due+</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;,&nbsp;2022</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">*</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Notice of Guaranteed Delivery Due+</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;,&nbsp;2022</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">*</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Subscription Certificates and Payment for&#8239;Guarantees of Delivery Due</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;,&nbsp;2022</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">*</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Confirmation to Participants</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;,&nbsp;2022</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">*</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Final Payment for Shares</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;,&nbsp;2022</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">*</TD></TR>
  </TABLE>


<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>
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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 4%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">*</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Unless the Offer is extended to a date not later than &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;, 2022. </FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 4%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">+</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Record Date Shareholders exercising Rights must deliver to the Subscription Agent by the Expiration Date either (i)&nbsp;the Subscription Certificate together with payment or (ii)&nbsp;a Notice of Guaranteed Delivery. </FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Risk Factors and Special Considerations</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The following summarizes certain matters that should be considered,
among others, in connection with the Offer. This Prospectus contains certain forward-looking statements. Actual results could differ materially
from those projected in the forward-looking statements as a result of certain uncertainties set forth below and elsewhere in this Prospectus.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt; width: 53%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Dilution &mdash; Net Asset Value and Non-Participation in the Offer</FONT></TD>
    <TD STYLE="vertical-align: bottom; width: 2%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 45%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Record Date Shareholders who do not fully exercise their Rights will, upon the completion of the Offer, own a smaller proportional interest in the Fund than they owned prior to the Offer. In addition, an immediate dilution of the net asset value per share will be experienced by all shareholders as a result of the Offer because the Subscription Price per Share will be less than the then current net asset value per share, and the number of shares outstanding after the Offer will increase in greater percentage than the increase in the size of the Fund&rsquo;s assets. Although it is not possible to state precisely the amount of such decrease in net asset value per share because it is not known at this time what the Subscription Price will be, what the net asset value per share will be on the Expiration Date, or what proportion of the Shares will be subscribed for, such dilution could be minimal or substantial. For example, assuming (i)&nbsp;all Rights are exercised, (ii)&nbsp;the Fund&rsquo;s net asset value on the Expiration Date is $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; share (the net asset value per share on &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;, 2022), and (iii)&nbsp;the Subscription Price is $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; per share (equal to 95% of the lower of the NAV per share of the Fund&rsquo;s Common Stock at the close of business on &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;, 2022 or the average of the last reported sale price per share of the Fund&rsquo;s Common Stock on the NYSE on &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;, 2022 and the four preceding business days), then the Fund&rsquo;s net asset value per share would be reduced by approximately $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; per share or &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;%.</FONT></TD></TR>  <TR>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Certain Investment Strategies</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The equity portion of the Fund invests globally in owners/operators
    of infrastructure in the communications, utility, energy, and transportation industries.</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The fixed income portion of the Fund is designed to generate high current
    income and total return through the application of active sector rotation, extensive credit research, and disciplined risk management
    designed to capitalize on opportunities across undervalued areas of the fixed income markets.</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Fund has a current target allocation of investing
    approximately 60% of its total assets in equity securities and 40% in fixed income. VIA monitors the allocation to the
    Subadvisers on an ongoing basis, and may rebalance the Fund&rsquo;s assets periodically in its discretion. See &ldquo;Investment
    Objective and Policies &mdash; Investment Objective.&rdquo;</P></TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Equity Securities Risk</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Generally, prices of equity securities are more volatile than those of fixed income securities. The prices of equity securities will rise and fall in response to a number of different factors. In particular, equity securities will respond to events that affect entire financial markets or industries (such as changes in inflation or consumer demand) and to events that affect particular issuers (such as news about the success or failure of a new product). Equity securities also are subject to &ldquo;stock market risk,&rdquo; meaning that stock prices in general may decline over short or extended periods of time. When the value of the stocks held by the Fund goes down, the net asset value of the Fund&rsquo;s shares will be affected.</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt; width: 53%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Infrastructure-Related Investment Risk</FONT></TD>
    <TD STYLE="vertical-align: bottom; width: 2%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 45%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Infrastructure-related entities are subject to a variety of factors that may adversely affect their businesses or operations, including high interest costs in connection with capital construction programs, costs associated with environmental and other regulations, the effects of economic slowdown and surplus capacity, increased competition from other providers of services, uncertainties concerning the availability of fuel at reasonable prices, the effects of energy conservation policies and other factors. Additionally, infrastructure-related entities may be subject to regulation by various governmental authorities and may also be affected by governmental regulation of rates charged to customers, service interruption due to environmental, operational or other mishaps and the imposition of special tariffs and changes in tax laws, regulatory policies and accounting standards.</FONT></TD></TR>  <TR>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Foreign Investing Risk</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Investing in securities of non-U.S. companies involves special risks
    and considerations not typically associated with investing in U.S. companies, and the values of non-U.S. securities may be more volatile
    than those of U.S. securities. The values of non-U.S. securities are subject to economic and political developments in countries and regions
    where the issuers operate or are domiciled, or where the securities are traded, such as changes in economic or monetary policies, and
    to changes in currency exchange rates. Values may also be affected by restrictions on receiving the investment proceeds from a non-U.S.
    country.</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">In general, less information is publicly available about non-U.S. companies
    than about U.S. companies. Non-U.S. companies are generally not subject to the same accounting, auditing and financial reporting standards
    as are U.S. companies. Certain foreign issuers classified as passive foreign investment companies may be subject to additional taxation
    risk.</P></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="margin: 0"></P>

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<P STYLE="margin: 0">&nbsp;</P>

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  <TR>
    <TD STYLE="vertical-align: top; font-size: 10pt; width: 53%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Loan Risk</FONT></TD>
    <TD STYLE="vertical-align: bottom; font-size: 10pt; width: 2%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 45%">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Investing in loans (including floating rate loans, loan assignments,
    loan participations and other loan instruments) carries certain risks in addition to the risks typically associated with high-yield/high-risk
    fixed income securities. Loans may be unsecured or not fully collateralized, may be subject to restrictions on resale and sometimes trade
    infrequently on the secondary market. In the event a borrower defaults, the Fund&rsquo;s access to the collateral may be limited or delayed
    by bankruptcy or other insolvency laws. There is a risk that the value of the collateral securing the loan may decline after the Fund
    invests and that the collateral may not be sufficient to cover the amount owed to the Fund. If the loan is unsecured, there is no specific
    collateral on which the Fund can foreclose. In addition, if a secured loan is foreclosed, the Fund may bear the costs and liabilities
    associated with owning and disposing of the collateral, including the risk that collateral may be difficult to sell.</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Transactions in many loans settle on a delayed basis that may take
    more than seven days. As a result, sale proceeds related to the sale of loans may not be available until potentially a substantial period
    of time after the sale of the loans. No active trading market may exist for some loans, which may impact the ability of the Fund to realize
    full value in the event of the need to liquidate such assets. Adverse market conditions may impair the liquidity of some actively traded
    loans. Loans also may be subject to restrictions on resale, which can delay the sale and adversely impact the sale price. Difficulty in
    selling a loan can result in a loss. Loans made to finance highly leveraged corporate acquisitions may be especially vulnerable to adverse
    changes in economic or market conditions. Certain loans may not be considered &ldquo;securities,&rdquo; and purchasers, such as the Fund,
    therefore may not be entitled to rely on the strong anti-fraud protections of the federal securities laws. With loan participations, the
    Fund may not be able to control the exercise of any remedies that the lender would have under the loan and likely would not have any rights
    against the borrower directly, so that delays and expense may be greater than those that would be involved if the Fund could enforce its
    rights directly against the borrower.</P></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; font-size: 10pt; width: 53%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Credit Risk</FONT></TD>
    <TD STYLE="vertical-align: bottom; font-size: 10pt; width: 2%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; font-size: 10pt; width: 45%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">There is a risk that the issuer of a security will fail to pay interest or principal in a timely manner, or that negative perceptions of the issuer&rsquo;s ability to make such payments will cause the price of the security to decline. Debt instruments rated below investment-grade are especially susceptible to this risk. </FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="margin: 0"></P>

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<P STYLE="margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt; font-size: 10pt; width: 53%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Interest Rate Risk</FONT></TD>
    <TD STYLE="vertical-align: bottom; font-size: 10pt; width: 2%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 45%">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The values of debt instruments usually rise and fall in response to
    changes in interest rates. Declining interest rates generally increase the value of existing debt instruments, and rising interest rates
    generally decrease the value of existing debt instruments. Changes in a debt instrument&rsquo;s value usually will not affect the amount
    of interest income paid to the Fund, but will affect the value of the Fund&rsquo;s shares. Interest rate risk is generally greater for
    investments with longer maturities.</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Certain instruments pay interest at variable or floating rates. Variable
    rate instruments reset at specified intervals, while floating rate instruments reset whenever there is a change in a specified index rate.
    In most cases, these reset provisions reduce the effect of changes in market interest rates on the value of the instrument. However, some
    instruments do not track the underlying index directly, but reset based on formulas that can produce an effect similar to leveraging;
    others may also provide for interest payments that vary inversely with market rates. The market prices of these instruments may fluctuate
    significantly when interest rates change.</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Some investments give the issuer the option to call or redeem an investment
    before its maturity date. If an issuer calls or redeems an investment during a time of declining interest rates, the Fund might have to
    reinvest the proceeds in an investment offering a lower yield, and therefore it might not benefit from any increase in value as a result
    of declining interest rates.</P></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt; font-size: 10pt; width: 53%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">High Yield Fixed Income Securities Risk</FONT></TD>
    <TD STYLE="vertical-align: bottom; font-size: 10pt; width: 2%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; font-size: 10pt; width: 45%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Securities rated below the four highest rating categories of a nationally recognized statistical rating organization, may be known as &ldquo;high-yield&rdquo; securities and commonly referred to as &ldquo;junk bonds.&rdquo; The highest of the ratings among these nationally recognized statistical rating organizations is used to determine the security&rsquo;s classification. Such securities entail greater price volatility and credit and interest rate risk than investment-grade securities. Analysis of the creditworthiness of high-yield/high-risk issuers is more complex than for higher-rated securities, making it more difficult for the Fund&rsquo;s subadviser to accurately predict risk. There is a greater risk with high-yield/high-risk fixed income securities that an issuer will not be able to make principal and interest payments when due. If the Fund pursues missed payments, there is a risk that the Fund&rsquo;s expenses could increase. In addition, lower-rated securities may not trade as often and may be less liquid than higher-rated securities, especially during periods of economic uncertainty or change. As a result of all of these factors, these bonds are generally considered to be speculative.</FONT></TD></TR>  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="vertical-align: top; width: 53%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Asset-Backed and Mortgage-Backed Securities Risk</FONT></TD>
    <TD STYLE="vertical-align: bottom; width: 2%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 45%">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Mortgage-backed securities represent interests in pools of residential
mortgage loans purchased from individual lenders by a federal agency or originated and issued by private lenders. Asset-backed securities
represent interests in pools of underlying assets such as motor vehicle installment sales or installment loan contracts, leases of various
types of real and personal property, and receivables from credit card arrangements. These two types of securities share many of the same
risks.&nbsp;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="font-size: 10pt; width: 53%">&nbsp;</TD>
    <TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; width: 45%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The impairment of the value of collateral or other assets underlying a mortgage-backed or asset-backed security, such as that resulting from non-payment of loans, may result in a reduction in the value of such security and losses to the Fund. Early payoffs in the loans underlying such securities may result in the Fund receiving less income than originally anticipated. The variability in prepayments will tend to limit price gains when interest rates drop and exaggerate price declines when interest rates rise. In the event of high prepayments, the Fund may be required to invest proceeds at lower interest rates, causing the Fund to earn less than if the prepayments had not occurred. Conversely, rising interest rates may cause prepayments to occur at a slower than expected rate, which may effectively change a security that was considered short- or intermediate-term into a long-term security. Long-term securities tend to fluctuate in value more widely in response to changes in interest rates than shorter-term securities.</FONT></TD></TR>  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="vertical-align: top; font-size: 10pt; width: 53%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Leverage Risk</FONT></TD>
    <TD STYLE="vertical-align: bottom; font-size: 10pt; width: 2%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; font-size: 10pt; width: 45%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The Fund employs leverage through margin financing. While this leverage often serves to increase yield, it also subjects the Fund to increased risks. These risks may include the likelihood of increased price and NAV volatility and the possibility that the Fund&rsquo;s common stock income will fall if the interest rate on any borrowings rises. The use of leverage is premised upon the expectation that the cost of leverage will be lower than the return on the investments made with the proceeds. However, if the income or capital appreciation from the securities purchased with such proceeds is not sufficient to cover the cost of leverage or if the Fund incurs capital losses, the return to common stockholders will be less than if the leverage had not been used. There can be no assurance that a leveraging strategy will be successful during any period in which it is employed.</FONT></TD></TR>  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="vertical-align: top; font-size: 10pt; width: 53%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Market Volatility</FONT></TD>
    <TD STYLE="vertical-align: bottom; font-size: 10pt; width: 2%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 45%">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The value of the securities in which the Fund invests may go up or
    down in response to the prospects of individual issuers and/or general economic conditions. Such price changes may be temporary or may
    last for extended periods.</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Instability in the financial markets may expose the Fund to greater
    market and liquidity risk and potential difficulty in valuing portfolio instruments that it holds. In response to financial markets that
    experienced extreme volatility, and in some cases a lack of liquidity, the U.S Government and other governments have taken a number of
    unprecedented actions, including acquiring distressed assets from financial institutions and acquiring ownership interest in those institutions.
    The implications of government ownership and disposition of these assets are unclear. Additional legislation or governmental regulation
    may also change the way in which funds themselves are regulated, which could limit or preclude the Fund&rsquo;s ability to achieve its
    investment objective. Local, regional or global events such as war, acts of terrorism, the spread of infectious illness or other public
    health issue, recessions, or other events could have a significant impact on the Fund and its investments, hampering the ability of the
    Fund&rsquo;s portfolio managers to invest the Fund&rsquo;s assets as intended.</P></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="vertical-align: top; width: 53%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Closed-End Fund Risk</FONT></TD>
    <TD STYLE="vertical-align: bottom; width: 2%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 45%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Closed-end funds may trade at a discount or premium from their net asset values, which may affect whether an investor will realize gains or losses. They may also employ leverage, which may increase volatility.</FONT></TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Management Risk</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The Fund&nbsp;&nbsp;is subject to management risk because it is an actively managed investment portfolio with broad investment mandates. The Adviser and subadvisers will apply investment techniques and risk analysis in making investment decisions for the Fund, but there can be no guarantee that these will produce the desired results.</FONT></TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Managed Distribution Plan</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The Board of Directors has adopted a Managed Distribution Plan (the &ldquo;Plan&rdquo;) which currently provides for the Fund to make a monthly distribution at the rate of $0.08 per share. Under the terms of the Plan, the Fund seeks to maintain a consistent distribution level that may be paid in part or in full from net investment income, realized capital gains, and a return of capital, or a combination thereof. The Board may amend, suspend or terminate the Plan at any time, without prior notice to shareholders, if it deems such action to be in the best interests of the Fund and its shareholders.</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>FUND EXPENSES</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" ALIGN="CENTER" STYLE="border-collapse: collapse; width: 88%; font: 10pt Times New Roman, Times, Serif">
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif">Shareholder Transaction Expenses</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.375in">Sales Load</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">N/A</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.375in">Automatic Reinvestment and Cash Purchase Plan Fees</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">N/A</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: left; text-indent: -12pt; padding-left: 12pt">Annual Expenses (as a percentage of the Fund&rsquo;s net assets)</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.375in; width: 87%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investment Management Fees<SUP>(1)</SUP></FONT></TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 10%; font: 10pt Times New Roman, Times, Serif; text-align: right">0.96</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">%</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.375in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Administration Fees<SUP>(1)</SUP></FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">0.14</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">%</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.375in; text-align: left">Interest and Fees on Leverage</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">0.34</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">%</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.375in; text-align: left">Other Expenses</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">0.16</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">%</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt; text-indent: -12pt; padding-left: 0.5in">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; text-indent: -12pt; padding-left: 12pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total Annual Expenses<SUP>(2)</SUP></FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">1.60</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">%</TD></TR>
  </TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 4%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(1)</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Includes fees payable under the Investment Advisory Agreement and Administration Agreement (as defined in this Prospectus). These fees are calculated on the basis of the Fund&rsquo;s average daily Managed Assets. The Investment Adviser is responsible for the payment of subadvisory fees to the Subadvisers. </FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 4%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(2)</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The expense ratio assumes that the Offer (including the Over-Subscription Privilege) is fully subscribed and assumes estimated net proceeds from the Offer of approximately $178 million (assuming an estimated Subscription Price of $8.96 per Share). </FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">THE FOREGOING FEE TABLE IS INTENDED TO ASSIST FUND INVESTORS IN UNDERSTANDING
THE VARIOUS COSTS AND EXPENSES THAT AN INVESTOR IN THE FUND WILL BEAR DIRECTLY OR INDIRECTLY.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>EXAMPLE</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">An investor would directly or indirectly pay the following expenses
on a $1,000 investment in the Fund, assuming a 5% annual return throughout the periods:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" ALIGN="CENTER" STYLE="border-collapse: collapse; width: 88%; font: 10pt Times New Roman, Times, Serif">
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt; text-align: left; width: 1%">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center; width: 23%">1&nbsp;Year</TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt; text-align: left; width: 1%">&nbsp;</TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt; width: 1%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt; text-align: left; width: 1%">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center; width: 22%">3&nbsp;Years</TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt; text-align: left; width: 1%">&nbsp;</TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt; width: 1%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt; text-align: left; width: 1%">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center; width: 22%">5&nbsp;Years</TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt; text-align: left; width: 1%">&nbsp;</TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt; width: 1%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt; text-align: left; width: 1%">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center; width: 22%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10&nbsp;Years</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt; text-align: left; width: 1%">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">16</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">51</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">87</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">190</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  </TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">This hypothetical example assumes that all dividends and other distributions
are reinvested at net asset value and that the 1.60% expense ratio listed under Total Annual Expenses remains the same in the years shown.
The above tables and the assumption in this example of a 5% annual return are required by regulations of the Securities and Exchange Commission
(the &ldquo;Commission&rdquo;) applicable to all investment companies; the assumed 5% annual return is not a prediction of, and does not
represent, the projected or actual performance of the Fund&rsquo;s Shares. For a more complete description of certain of the Fund&rsquo;s
costs and expenses, see &ldquo;Management of the Fund &mdash; Investment Adviser and Subadviser; &mdash; Investment Advisory Agreement;
and &mdash; Administrator&rdquo; in this Prospectus and &ldquo;Expenses&rdquo; and &ldquo;Portfolio Transactions and Brokerage&rdquo;
in the SAI.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>This example should not be considered a representation of future
expenses. The Fund&rsquo;s actual expenses may be greater or less than those shown.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>FINANCIAL HIGHLIGHTS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The table below sets forth certain specified information for a share
of the Fund&rsquo;s Common Stock outstanding throughout each period presented. This information is derived from the financial and accounting
records of the Fund. The financial highlights for the fiscal year ended November&nbsp;30, 2021 and the prior nine years have been audited
by [___________], independent accountants, whose reports thereon were unqualified. The financial statements and notes thereto, together
with the report of independent accountants have been incorporated by reference in the SAI and are available without charge by calling
Mutual Fund Services at 866-270-7788 or upon written request to the Fund&rsquo;s Administrator, Virtus Fund Services, LLC, One Financial
Plaza, Hartford, CT 06103.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>THE OFFER</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Terms of the Offer</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Fund is issuing to the Record Date Shareholders Rights to subscribe
for up to an aggregate of ______ Shares. The Fund may increase the number of shares of Common Stock subject to subscription by up to 25%
of the Shares, or up to an additional ______ Shares, for an aggregate total of ________ Shares. Each Record Date Shareholder is being
issued one Right for each whole share of Common Stock owned on the Record Date. The Rights entitle the holders thereof to subscribe for
one Share for every three Rights held (1 for 3). Fractional Shares will not be issued upon the exercise of Rights. A Record Date Shareholder
whose total ownership is fewer than three shares of Common Stock and, accordingly, receives fewer than three Rights will be able to subscribe
for one Share upon the exercise of all of such Rights received and, if he or she subscribes for one Share, may subscribe for additional
Shares pursuant to the Over-Subscription Privilege. Record Date Shareholders who otherwise have remaining fewer than three Rights will
not be able to purchase a Share upon the exercise of such Rights and will not be entitled to receive any cash in lieu thereof, although
such Record Date Shareholders may subscribe for additional Shares pursuant to the Over-Subscription Privilege.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Rights may be exercised at any time during the Subscription Period,
which commences on &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;, 2022 and ends at 5:00 p.m., New York City
time, on &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;, 2022, unless extended by the Fund until 5:00 p.m.,
New York City time, to a date not later than &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; , 2022. See &ldquo;Expiration
of the Offer&rdquo; below. The Rights are evidenced by Subscription Certificates, which will be mailed to Record Date Shareholders, except
as discussed below under &ldquo;Foreign Restrictions.&rdquo;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Any Record Date Shareholder who fully exercises all Rights issued
to such shareholder in the Primary Subscription will be entitled to subscribe for additional Shares at the Subscription Price
pursuant to the terms of the Over-Subscription Privilege, as described below. Shares available, if any, pursuant to the
Over-Subscription Privilege are subject to allotment and may be subject to increase, as is more fully discussed below under
 &ldquo;Over-Subscription Privilege.&rdquo; For purposes of determining the maximum number of Shares a shareholder may acquire
pursuant to the Offer, Record Date Shareholders whose shares of Common Stock are held of record by [ ] or by any other depository or
nominee will be deemed to be the holders of the Rights that are issued to [ ] or such other depository or nominee on their
behalf.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Purpose of the Offer</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Board of Directors of the Fund has determined that it would be
in the best interests of the Fund and its shareholders to increase the assets of the Fund available for investment, thereby enabling the
Fund to more fully take advantage of investment opportunities consistent with the Fund&rsquo;s investment objective. The Fund&rsquo;s
Board of Directors has voted unanimously to approve the terms of the Offer as set forth in this Prospectus.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">In reaching its decision, the Board of Directors considered, among
other things, advice by the Investment Adviser and the Subadvisers that new funds would allow the Fund additional flexibility to capitalize
on available and potential investment opportunities without the necessity of having to sell existing portfolio securities that a Subadviser
believes should be held. Proceeds from the Offer will allow the Subadvisers to better take advantage of such existing and future investment
opportunities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Board of Directors also considered that the Offer would provide
shareholders with an opportunity to purchase additional shares of the Fund below its net asset value and market price. The Board of Directors
also believes that a well-subscribed rights offering may result in certain economies of scale which could reduce the Fund&rsquo;s expense
ratio in future years. However, there is no assurance that by increasing the size of the Fund, the Fund&rsquo;s aggregate expenses, and
correspondingly, its expense ratio, will be lowered. Finally, the Board of Directors considered that, because the Subscription Price per
Share will be less than the net asset value per share on the Pricing Date, the Offer will result in dilution of the Fund&rsquo;s net asset
value per share. The Board of Directors believes that the factors in favor of the Offer outweigh this dilution. See &ldquo;Risk Factors
and Special Considerations &mdash; Dilution &mdash; Net Asset Value and Non-Participation in the Offer.&rdquo;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Investment Adviser, Subadvisers and Administrator will benefit
from the Offer because their fees are based on the average daily Managed Assets of the Fund. It is not possible to state precisely the
amount of additional compensation the Investment Adviser, Subadvisers or Administrator will receive as a result of the Offer because it
is not known how many Shares will be subscribed for and because the proceeds of the Offer will be invested in additional portfolio securities,
which will fluctuate in value. See &ldquo;Management of the Fund.&rdquo;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Fund may, in the future and at its discretion, choose to make additional
rights offerings from time to time for a number of shares and on terms that may or may not be similar to the Offer. Any such future rights
offerings will be made in accordance with the then applicable requirements of the 1940 Act and the Securities Act of 1933, as amended.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Over-Subscription Privilege</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">To the extent Record Date Shareholders do not exercise all of the Rights
issued to them, any underlying Shares represented by such Rights will be offered by means of the Over-Subscription Privilege to those
Record Date Shareholders who have exercised all of the Rights issued to them and who wish to acquire more than the number of Shares to
which they are entitled. Only Record Date Shareholders who exercise all the Rights issued to them may indicate on the Subscription Certificate,
which they submit with respect to the exercise of the Rights issued to them, how many Shares they desire to purchase pursuant to the Over-Subscription
Privilege. If sufficient Shares remain after completion of the Primary Subscription, all over-subscription requests will be honored in
full. If sufficient Shares are not available to honor all over-subscription requests, the Fund may, at the discretion of the Board of
Directors, issue shares of Common Stock up to an additional 25% of the Shares available pursuant to the Offer, representing _______ additional
shares of Common Stock in order to cover such over-subscription requests. Regardless of whether the Fund issues additional Shares pursuant
to the Offer and to the extent Shares are not available to honor all over-subscription requests, the available Shares will be allocated
among those who over-subscribe based on the number of shares of Common Stock owned by them on the Record Date. This allocation process
may involve a series of allocations in order to assure that the total number of Shares available for over-subscription is distributed,
as nearly as practicable, on a pro rata basis. The Fund will not offer to sell in connection with the Offer any Shares that are not subscribed
for pursuant to the Primary Subscription or the Over-Subscription Privilege.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">To the extent Record Date Shareholders do not exercise all of the Rights
issued to them, and Record Date Shareholders who have exercised their Rights do not wish to participate in the Over-Subscription Privilege,
the Fund will deregister those underlying shares not sold thereunder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Subscription Price</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Subscription Price for the Shares to be issued pursuant to the
Offer will be equal to 95% of the lower of the NAV at the close of business on &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;,
2022 (the &ldquo;Pricing Date&rdquo;) or the average of the last reported sales price of a share of the Fund&rsquo;s Common Stock on the
NYSE on the Pricing Date and the four preceding business days, unless the Offer is extended. For example, if the average of the last reported
sales price of a share on the NYSE on the Pricing Date and the four preceding business days of a share of the Fund&rsquo;s Common Stock
is $[8.69], and if the NAV is $[8.94], the Subscription Price will be $[8.26] (equal to 95% of the lower of the NAV or of $[8.69]). The
Subscription Price will therefore be lower than the Fund&rsquo;s then current net asset value per share.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Fund announced the Offer on March&nbsp;2, 2022. The net asset value
per share of Common Stock at the close of business on March&nbsp;__, 2022 and &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;,
2022, was $____ and $____, respectively, and the last reported sales prices of a share of the Fund&rsquo;s Common Stock on the NYSE on
those dates was $___ and $___, respectively.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Expiration of the Offer</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Offer will expire at 5:00 p.m., New York City time, on &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;,
2022, unless extended by the Fund until 5:00 p.m., New York City time, to a date not later than &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;,
2022. The Rights will expire on the Expiration Date and thereafter may not be exercised. Since the Expiration Date and the Pricing Date
will be the same date, Record Date Shareholders who decide to acquire Shares in the Primary Subscription or pursuant to the Over-Subscription
Privilege will not know when they make such decision the purchase price of such Shares. Any extension of the Offer will be followed as
promptly as practicable by announcement thereof. Such announcement shall be issued no later than 9:00 a.m., New York City time, on the
next business day following the previously scheduled Expiration Date. Without limiting the manner in which the Fund may choose to make
such announcement, the Fund will not, unless otherwise required by law, have any obligation to publish, advertise or otherwise communicate
any such announcement other than by making a release to the Dow Jones News Service or such other means of announcement as the Fund deems
appropriate.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Method of Exercise of Rights</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Subscription Certificates, which evidence the Rights, will be mailed
to Record Date Shareholders or, if a Record Date Shareholder&rsquo;s shares of Common Stock are held by [ ]. or any other
depository or nominee on their behalf, to [ ] or such other depository or nominee.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Rights may be exercised by fully completing and signing the Subscription
Certificate which accompanies this Prospectus and mailing it in the envelope provided, or otherwise delivering the completed and signed
Subscription Certificate to the Subscription Agent, together with payment in full for the Shares at the estimated payment price (the &ldquo;Estimated
Payment Price&rdquo;) as described below under &ldquo;Payment for Shares.&rdquo; Rights may also be exercised by a Record Date Shareholder
contacting his or her broker, bank or trust company, which can arrange, on his or her behalf, to guarantee delivery of payment (using
a &ldquo;Notice of Guaranteed Delivery&rdquo;) and of a properly completed and executed Subscription Certificate. The broker, bank or
trust company may charge a fee for this service. Fractional Shares will not be issued. A Record Date Shareholder whose total ownership
is fewer than three shares of Common Stock and, accordingly, receives fewer than three Rights will be able to subscribe for one Share
upon the exercise of all of such Rights received and, if he or she subscribes for one Share, will be able to request additional Shares
pursuant to the terms of the Offer applicable to the Over-Subscription Privilege. Record Date Shareholders who otherwise have remaining
fewer than three Rights will not be able to purchase a Share upon the exercise of such Rights but will be able to request additional Shares
pursuant to the terms of the Offer applicable to the Over-Subscription Privilege. Completed Subscription Certificates must be received
by the Subscription Agent prior to 5:00 p.m., New York City time, on the Expiration Date (unless the guaranteed delivery procedures are
complied with as described below under &ldquo;Payment for Shares&rdquo;) at the offices of the Subscription Agent at the address set forth
below.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><I>Shareholders
Who Are Record Owners</I></FONT>. Shareholders who are record owners can choose between either option set forth under &ldquo;Payment for
Shares&rdquo; below. If time is of the essence, option (2), under &ldquo;Payment for Shares&rdquo; below, will permit delivery of the
Subscription Certificate and payment after the Expiration Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><I>Shareholders
Whose Shares Are Held By A Nominee</I></FONT>. Shareholders whose shares are held by a nominee, such as a broker, bank or trust company,
must contact such nominee to exercise their Rights. In that case, the nominee will complete the Subscription Certificate on behalf of
the shareholder and arrange for proper payment by one of the methods set forth under &ldquo;Payment for Shares&rdquo; below.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><I>Nominees</I></FONT>.
Nominees who hold shares of Common Stock for the account of others must (to the extent required by applicable law) notify the beneficial
owners of such shares as soon as possible to ascertain such beneficial owners&rsquo; intentions and to obtain instructions with respect
to the Rights. If the beneficial owner so instructs, the nominee should complete the Subscription Certificate and submit it to the Subscription
Agent with the proper payment described under &ldquo;Payment for Shares&rdquo; below.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Information Agent</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Any questions or requests for assistance may be directed to the Information
Agent at its telephone number and address listed below:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><I>The Information Agent for the Offer is:</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Georgeson LLC</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">Banks and Brokers Call Collect:&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">[&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">All Others Call Toll-Free:&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">[&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Shareholders may also contact their brokers or nominees for information
with respect to the Offer.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Information Agent will receive a fee estimated to be approximately
$____, which includes reimbursement for all out-of-pocket expenses related to the Offer.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Subscription Agent</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Subscription Agent is Computershare Trust Company, N.A., which
will receive for its administrative, processing, invoicing and other services as subscription agent, a fee which may include reimbursement
for all out-of-pocket expenses related to the Offer. Signed Subscription Certificates must be sent, together with payment at the Estimated
Payment Price for all Shares subscribed in the Primary Subscription and Over-Subscription Privilege by one of the methods described below,
prior to 5:00 p.m., New York City time, on the Expiration Date. Alternatively, if using a Notice of Guaranteed Delivery, the Notice of
Guaranteed Delivery (see &ldquo;Method of Exercise of Rights&rdquo; above) may also be sent by e-mail to CANOTICEOFGUARANTEE@computershare.com,
with the originals to be sent promptly thereafter by one of the methods described below.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">(1)&nbsp;BY FIRST CLASS&nbsp;MAIL ONLY:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Computershare Trust Company, N.A.&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Attention: Virtus Total Return Fund Inc.&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">P.O.&nbsp;Box 43011&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Providence RI 02940-3011</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">(2)&nbsp;BY EXPRESS MAIL OR OVERNIGHT COURIER:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Computershare Trust Company, N.A.&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Attention: Virtus Total Return Fund Inc.&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">150 Royall St.&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Suite&nbsp;V&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Canton, MA 02021</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">(3)&nbsp;GUARANTEE OF DELIVERY: FOR ELIGIBLE INSTITUTIONS ONLY:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Notice of Guaranteed Delivery may also be sent by e-mail to CANOTICEOFGUARANTEE@computershare.com,
with the originals to be sent promptly thereafter by one of the methods described above.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>DELIVERY TO AN ADDRESS OTHER THAN ONE OF THE ADDRESSES LISTED ABOVE,
OR TRANSMISSION VIA A FACSIMILE NUMBER OTHER THAN AS LISTED ABOVE, WILL NOT CONSTITUTE VALID DELIVERY.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Payment for Shares</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Record Date Shareholders who acquire Shares in the Primary Subscription
and pursuant to the Over-Subscription Privilege may choose between the following methods of payment:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">(1)&nbsp;A Record Date Shareholder can send the Subscription Certificate
together with payment for the Shares acquired in the Primary Subscription and for additional Shares subscribed for pursuant to the Over-Subscription
Privilege to the Subscription Agent. Payment should be calculated on the basis of the Estimated Payment Price of $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
per Share for all Shares requested. To be accepted, such payment, together with the executed Subscription Certificate, must be received
by the Subscription Agent at one of the Subscription Agent&rsquo;s offices at the addresses set forth above prior to 5:00 p.m., New York
City time, on the Expiration Date. The Subscription Agent will deposit all monies received by it prior to the final payment date into
a segregated non-interest-bearing account pending proration and distribution of the Shares. <B>A PAYMENT PURSUANT TO THIS METHOD MUST
BE IN UNITED STATES DOLLARS BY PERSONAL CHECK DRAWN ON A BANK LOCATED IN THE UNITED STATES, MUST BE PAYABLE TO COMPUTERSHARE AND MUST
ACCOMPANY A PROPERLY COMPLETED AND EXECUTED SUBSCRIPTION CERTIFICATE FOR SUCH SUBSCRIPTION CERTIFICATE TO BE ACCEPTED.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">(2)&nbsp;Alternatively, a subscription will be accepted by the Subscription
Agent if, prior to 5:00 p.m., New York City time, on the Expiration Date, the Subscription Agent has received a Notice of Guaranteed Delivery
by e-mail or otherwise from a bank, a trust company, or a NYSE member brokerage firm guaranteeing delivery of (i)&nbsp;payment of the
Estimated Payment Price of $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; per share for the Shares subscribed
for in the Primary Subscription and for any additional Shares subscribed for pursuant to the Over-Subscription Privilege, and (ii)&nbsp;a
properly completed and executed Subscription Certificate. The Subscription Agent will not honor a Notice of Guaranteed Delivery unless
a properly completed and executed Subscription Certificate together with full payment is received by the Subscription Agent by the close
of business on the second business day after the Expiration Date (&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;,
2022, unless the Offer is extended).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Within ten business days following the Expiration Date
(&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;, 2022,
unless the Offer is extended, the &ldquo;Confirmation Date&rdquo;), a confirmation will be sent by the Subscription Agent to each
subscribing Record Date Shareholder (or, if the Record Date Shareholder&rsquo;s shares of Common Stock are held by [ ] or any other
depository or nominee, to [ ] or such depository or nominee), showing (i)&nbsp;the number of Shares acquired pursuant to the
Primary Subscription, (ii)&nbsp;the number of Shares, if any, acquired pursuant to the Over-Subscription Privilege, (iii)&nbsp;the
per Share and total purchase price of the Shares, and (iv)&nbsp;any additional amount payable by such Record Date Shareholder to the
Fund or any excess to be refunded by the Fund to such Record Date Shareholder, in each case based on the Subscription Price as
determined on the Pricing Date. If any Record Date Shareholder exercises his or her right to acquire Shares pursuant to the
Over-Subscription Privilege, any such excess payment which would otherwise be refunded to the Record Date Shareholder will be
applied by the Fund toward payment for additional Shares acquired pursuant to exercise of the Over-Subscription Privilege. Any
additional payment required from a Record Date Shareholder must be received by the Subscription Agent within ten business days after
the Confirmation Date. Any excess payment to be refunded by the Fund to a Record Date Shareholder will be mailed by the Subscription
Agent to such Record Date Shareholder as promptly as possible. All payments by a Record Date Shareholder must be in United States
dollars by personal check drawn on a bank located in the United States of America and payable to <B>COMPUTERSHARE.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<!-- Field: Split-Segment; Name: 2 -->
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Whichever of the two methods described above is used, issuance and
delivery of certificates for the Shares purchased are subject to collection of checks and actual payment pursuant to any Notice of Guaranteed
Delivery.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>RECORD DATE SHAREHOLDERS WILL HAVE NO RIGHT TO RESCIND THEIR SUBSCRIPTION
AFTER RECEIPT OF THEIR PAYMENT FOR SHARES BY THE SUBSCRIPTION AGENT, EXCEPT AS PROVIDED BELOW UNDER &ldquo;POSSIBLE SUSPENSION OR WITHDRAWAL
OF THE OFFER.&rdquo;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">If a Record Date Shareholder who acquires Shares pursuant to the Primary
Subscription or Over-Subscription Privilege does not make payment of any additional amounts due by the ninth business day after the Confirmation
Date, the Fund reserves the right to take any or all of the following actions: (i)&nbsp;sell such subscribed and unpaid-for Shares to
other Record Date Shareholders, (ii)&nbsp;apply any payment actually received by it toward the purchase of the greatest whole number
of Shares which could be acquired by such holder upon exercise of the Primary Subscription or Over-Subscription Privilege, or (iii)&nbsp;exercise
any and all other rights or remedies to which it may be entitled.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>THE METHOD OF DELIVERY OF SUBSCRIPTION CERTIFICATES AND PAYMENT
OF THE SUBSCRIPTION PRICE TO THE FUND WILL BE AT THE ELECTION AND RISK OF THE RIGHTS HOLDERS, BUT IF SENT BY MAIL IT IS RECOMMENDED THAT
SUCH CERTIFICATES AND PAYMENT BE SENT BY REGISTERED MAIL, PROPERLY INSURED, WITH RETURN RECEIPT REQUESTED, AND THAT A SUFFICIENT NUMBER
OF DAYS BE ALLOWED TO ENSURE DELIVERY TO THE FUND AND CLEARANCE OF PAYMENT PRIOR TO 5:00 P.M., NEW YORK CITY TIME, ON THE EXPIRATION
DATE. BECAUSE UNCERTIFIED PERSONAL CHECKS MAY&nbsp;TAKE AT LEAST FIVE BUSINESS DAYS TO CLEAR AND, AT THE DISCRETION OF THE FUND, MAY&nbsp;NOT
BE ACCEPTED IF NOT CLEARED PRIOR TO THE EXPIRATION DATE, YOU ARE STRONGLY ENCOURAGED TO PAY, OR ARRANGE FOR PAYMENT, AS PROMPTLY AS PRACTICABLE.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">All questions concerning the timeliness, validity, form and eligibility
of any exercise of Rights will be determined by the Fund, whose determinations will be final and binding. The Fund, in its sole discretion,
may waive any defect or irregularity, or permit a defect or irregularity to be corrected within such time as it may determine, or reject
the purported exercise of any Right. Subscriptions will not be deemed to have been received or accepted until all irregularities have
been waived or cured within such time as the Fund determines in its sole discretion. The Fund will not be under any duty to give notification
of any defect or irregularity in connection with the submission of Subscription Certificates or incur any liability for failure to give
such notification.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Possible Suspension or Withdrawal of the Offer</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">As required by the Commission&rsquo;s registration form, the Fund
has undertaken to suspend the Offer until it amends this Prospectus if (1)&nbsp;subsequent to the effective date of the Fund&rsquo;s
Registration Statement, the Fund&rsquo;s net asset value declines more than 10% from its net asset value as of such effective date, or
(2)&nbsp;the Fund&rsquo;s net asset value per share increases to an amount greater than its net proceeds as stated in the Prospectus.
Accordingly, the Fund will notify Record Date Shareholders of any such decline or increase and permit them to cancel their exercise of
Rights.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Non-Transferability of Rights</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Rights are non-transferable and, therefore, may not be purchased
or sold. The Rights will not be listed for trading on the NYSE or any other exchange. However, the additional Shares of Common Stock
to be issued upon the exercise of the Rights and the Over-Subscription Privilege will be listed for trading on the NYSE, subject to notice
of issuance.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Delivery of Shares</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Stock certificates will not be issued for Shares acquired in the
Primary Subscription or pursuant to the Over-Subscription Privilege. Participants in the Fund&rsquo;s Automatic Reinvestment and
Cash Purchase Plan (the &ldquo;Plan&rdquo;) will have any Shares acquired in the Primary Subscription and pursuant to the
Over-Subscription Privilege credited to their shareholder distribution reinvestment accounts in the Plan. Participants in the Plan
wishing to exercise Rights for the shares of Common Stock held in their accounts in the Plan must exercise them in accordance with
the procedures set forth above. Record Date Shareholders whose shares of Common Stock are held of record by [ ] or by any other
depository or nominee on their behalf or their broker-dealer&rsquo;s behalf will have any Shares acquired in the Primary
Subscription credited to the account of [ ] or such other depository or nominee. Shares acquired pursuant to the Over-Subscription
Privilege will be credited directly to [ ] or such other depository or nominee.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Foreign Restrictions</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Record Date Shareholders whose record addresses are outside the United
States (for these purposes, the United States includes its territories and possessions and the District of Columbia) will receive written
notice of the Offer; however, Subscription Certificates will not be mailed to such shareholders. The Rights to which those Subscription
Certificates relate will be held by the Subscription Agent for such foreign Record Date Shareholders&rsquo; accounts until instructions
are received in writing with payment to exercise the Rights. If no such instructions are received by the Expiration Date, such Rights
will expire.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Federal Income Tax Consequences</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The U.S. federal income tax consequences to holders of Common Stock
with respect to the Offer will be as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">U.S. Shareholders (as defined below) who receive Rights pursuant to
the Offer should not recognize taxable income for U.S. federal income tax purposes upon their receipt of the Rights. If Rights issued
to a U.S. Shareholder expire without being sold or exercised, no basis should be allocated to such Rights, and such Shareholder should
not recognize any gain or loss for U.S. federal income tax purposes upon such expiration.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The tax basis of a U.S. Shareholder&rsquo;s Common Stock should remain
unchanged and the shareholder&rsquo;s basis in the Rights should be zero, unless such U.S. Shareholder affirmatively and irrevocably
elects (in a statement attached to such shareholder&rsquo;s U.S. federal income tax return for the year in which the Rights are received)
to allocate the basis in the Common Stock between such Common Stock and the Rights in proportion to their respective fair market values
on the date of distribution.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">A U.S. Shareholder who exercises Rights should not recognize any gain
or loss for U.S. federal income tax purposes upon the exercise. The tax basis of the newly acquired Common Stock should equal the Subscription
Price paid for the Common Stock (plus the basis, if any, allocated to the Rights in the manner described in the immediately preceding
paragraph). See &ldquo;Taxation&rdquo; in this Prospectus and in the SAI.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Each U.S. Shareholder is urged to consult his or her own tax advisor
with respect to the specific federal, state and local tax consequences to such U.S. Shareholder of receiving Rights in this offer.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Employee Plan Considerations</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Shareholders that are employee benefit plans subject to the Employee
Retirement Income Security Act of 1974, as amended (&ldquo;ERISA&rdquo;) (including corporate savings and 401(k)&nbsp;plans), Keogh or
H.R. 10 plans of self-employed individuals and Individual Retirement Accounts (&ldquo;IRAs&rdquo;) (collectively, &ldquo;Plans&rdquo;)
should be aware of the complexity of the rules&nbsp;and regulations governing Plans and the penalties for noncompliance, and Plans should
consult with their counsel regarding the consequences of their exercise of Rights under ERISA and the Internal Revenue Code of 1986,
as amended (the &ldquo;Code&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><A NAME="USEOFPROCEEDS"></A><B>USE OF PROCEEDS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">If all of the Rights are exercised in full and assuming a
Subscription Price of $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; per Share, the net proceeds to the Fund would be
approximately $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;, after deducting expenses payable by the
Fund in connection with the offering estimated to total $725,000. If the Fund increases the number of shares of Common Stock subject
to subscription by up to &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Shares, in order to satisfy
over-subscription requests, the additional net proceeds will be approximately
$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;. However, there can be no assurance that all Rights will
be exercised in full, and the Subscription Price will not be determined until the close of business on the Expiration Date. The
Investment Adviser has advised the Fund that it anticipates that the net proceeds of the Offer will be allocated wholly to the
infrastructure sleeve and as a result the allocation to the equity portion will increase. As the subadviser to the equity portion,
DPIM expects the proceeds to be invested in investments conforming to the Fund&rsquo;s investment objective and policies within one
month, under normal market conditions, from their receipt by the Fund. Pending such investment, the proceeds will be invested in
cash or cash equivalent short-term obligations including, but not limited to, U.S. government obligations, certificates of deposit,
commercial paper and short-term notes. See &ldquo;The Offer &mdash; Purpose of the Offer.&rdquo;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><A NAME="THEFUND"></A><B>THE FUND</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Fund, incorporated in Maryland on July&nbsp;21, 1988, is a diversified,
closed-end management investment company registered under the 1940 Act. The Fund&rsquo;s investment objective is capital appreciation,
with current income as a secondary objective. The Fund has a current target allocation of investing approximately 60% of its total assets
in equity securities and 40% in fixed income. The equity portion of the Fund invests globally in owners/operators of infrastructure in
the communications, utility, energy, and transportation industries. The fixed income portion of the Fund is designed to generate high
current income and total return through the application of active sector rotation, extensive credit research, and disciplined risk management
designed to capitalize on opportunities across undervalued areas of the fixed income markets. See also &ldquo;Investment Objective and
Policies.&rdquo;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Investment Adviser, Virtus Investment Advisers,&nbsp;Inc., is
an indirect, wholly-owned subsidiary of Virtus Investment Partners,&nbsp;Inc. (&ldquo;Virtus&rdquo;), a NASDAQ listed company. VIA is
registered as an investment advisory firm under the Investment Advisers Act of 1940, as amended. Such registration does not involve supervision
or approval by the Commission of investment advice rendered by the Investment Adviser. See &ldquo;Management of the Fund.&rdquo;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Duff&nbsp;&amp; Phelps Investment Management Co., an indirect, wholly-owned
subsidiary of Virtus, is the subadviser of the equity portion of the Fund&rsquo;s portfolio; and Newfleet Asset Management, also an indirect,
wholly-owned subsidiary of Virtus, is the subadviser of the fixed income portion of the Fund&rsquo;s portfolio. Each Subadviser is registered
as an investment advisory firm with the Commission under the Investment Advisers Act of 1940, as amended. See &ldquo;Management of the
Fund.&rdquo;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Fund&rsquo;s principal office is located at 101 Munson Street, Greenfield, MA 01301-9683 and its telephone number is (866) 270-7788.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><A NAME="MARKETPRICEANDNETASSETVALUEINFORMATION"></A><B>MARKET
PRICE AND NET ASSET VALUE INFORMATION</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Shares of the Fund&rsquo;s Common Stock are listed on the NYSE under
the symbol &ldquo;ZTR.&rdquo; The following table sets forth for the calendar quarters indicated: (i)&nbsp;the high and low closing prices
per share of the Fund&rsquo;s Common Stock on the NYSE; (ii)&nbsp;the net asset value per share of the Fund&rsquo;s Common Stock on the
day of the high or low closing price; and (iii)&nbsp;the percentage by which the shares of Common Stock of the Fund traded at a premium
over, or discount from, the Fund&rsquo;s high and low net asset values per share.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Quarter<BR>
    Ended</TD><TD STYLE="padding-bottom: 1pt; font: bold 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">High<BR>
    Sales&nbsp;Price*</TD><TD STYLE="padding-bottom: 1pt; font: bold 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Net&nbsp;Asset<BR>
    Value</TD><TD STYLE="padding-bottom: 1pt; font: bold 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Premium<BR>
    (Discount)</TD><TD STYLE="padding-bottom: 1pt; font: bold 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Low<BR>
    Sales&nbsp;Price*</TD><TD STYLE="padding-bottom: 1pt; font: bold 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Net&nbsp;Asset<BR>
    Value</TD><TD STYLE="padding-bottom: 1pt; font: bold 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Premium<BR>
    (Discount)</TD><TD STYLE="padding-bottom: 1pt; font: bold 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 12%; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3/31/20</FONT></TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="width: 12%; font: 10pt Times New Roman, Times, Serif; text-align: right">11.95</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="width: 12%; font: 10pt Times New Roman, Times, Serif; text-align: right">11.04</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 11%; font: 10pt Times New Roman, Times, Serif; text-align: right">8.24</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">%</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="width: 11%; font: 10pt Times New Roman, Times, Serif; text-align: right">5.05</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="width: 11%; font: 10pt Times New Roman, Times, Serif; text-align: right">7.19</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 11%; font: 10pt Times New Roman, Times, Serif; text-align: right">(29.76</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">)%</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6/30/20</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">9.08</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">9.24</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">(1.73</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">)%</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">6.61</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">7.39</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">(10.55</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">)%</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9/30/20</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">8.37</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">8.75</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">(4.34</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">)%</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">7.76</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">8.86</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">(12.42</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">)%</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">12/31/20</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">8.84</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">9.28</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">(4.74</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">)%</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">7.36</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">8.69</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">(15.30</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">)%</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3/31/21</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">9.34</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">9.02</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">3.55</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">%</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">8.56</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">9.27</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">(7.66</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">)%</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6/30/21</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">10.23</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">9.54</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">7.23</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">%</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">9.21</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">9.25</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">(0.43</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">)%</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9/30/21</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">9.95</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">9.40</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">5.85</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">%</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">9.22</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">9.21</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">0.11</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">%</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">12/31/21</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">9.74</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">9.42</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">3.40</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">%</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">9.30</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">9.20</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">1.09</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">%</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3/31/22</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left"></TD><TD STYLE="font-size: 10pt; text-align: right"></TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left"></TD><TD STYLE="font-size: 10pt; text-align: right"></TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD></TR>
  </TABLE>




<P STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 2%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">*</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">As reported by the NYSE. </FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Fund&rsquo;s shares of Common Stock have traded in the market
above, at and below net asset value since the commencement of the Fund&rsquo;s operations in September&nbsp;1988. The Fund&rsquo;s officers
cannot predict whether the Subscription Price will be at or below the Fund&rsquo;s net asset value per Share on the Pricing Date. The
Fund&rsquo;s Board of Directors has adopted a Managed Distribution Plan which currently provides for the Fund to make a monthly distribution
at the rate of $0.08 per share. The Fund&rsquo;s officers believe that without this monthly distribution policy, there would likely be
a decrease in the amount of any premium at which the Fund&rsquo;s shares would be trading above net asset value or an increase in the
amount of any discount at which the Fund&rsquo;s shares would be trading from net asset value; however, the Fund&rsquo;s officers cannot
predict whether such policy will have this effect in the future. See &ldquo;Distributions&rdquo; and &ldquo;Automatic Reinvestment and
Cash Purchase Plan.&rdquo; Pursuant to a program announced in March 2012, the Fund is authorized to repurchase its shares on the open market when the shares are
trading at a discount from net asset value. Between April 2012 through December 2015, the Fund repurchased 4,230,853 shares at an aggregate
cost to the fund of $55.6 million. See &ldquo;Description of Common Stock &mdash;Repurchase of
Shares; Tender Offers.&rdquo; Since the Fund&rsquo;s inception, the Board of Directors has maintained a policy pursuant to which the
Board of Directors considers the making of tender offers of the Fund each quarter during periods when the Fund&rsquo;s shares are trading
at a discount from net asset value. See &ldquo;Description of Common Stock&mdash;Tender Offers.&rdquo; The Fund&rsquo;s Articles of Incorporation
were amended on June&nbsp;2, 2010 to provide that if during any fiscal quarter ending on or after June&nbsp;30, 2010, the Fund&rsquo;s
shares trade, on the principal securities exchange on which they are traded, at an average discount from net asset value of 10% or more
(determined on the basis of the discount as of the end of the last trading day in each week during such quarter), the Fund&rsquo;s Board
of Directors, at its next regularly scheduled meeting shall consider potential measures to seek to reduce the discount, and in its sole
discretion may determine if it would be appropriate to submit to the Fund&rsquo;s shareholders a proposal to convert the Fund to an open-end
investment company (a &ldquo;Conversion Proposal&rdquo;). Approval of a Conversion Proposal would require the affirmative vote of a majority
of the outstanding shares of the Fund entitled to be voted thereon. Under the Fund&rsquo;s prior Articles of Incorporation, the Fund
submitted a mandatory Conversion Proposal to its shareholders in 2000, 2001, 2004, 2008 and 2009 because the Fund&rsquo;s shares had
traded at an average discount from net asset value of 10% or more during the quarter ended March&nbsp;31, 2000, the quarter ended December&nbsp;31,
2000, the quarter ended December&nbsp;31, 2003, the quarter ended December&nbsp;31, 2008 and the quarter ended June&nbsp;30, 2009, respectively.
The Fund&rsquo;s shareholders did not approve a Conversion Proposal on any of those occasions. See &ldquo;Description of Common Stock
 &mdash; Articles of Incorporation Amendment.&rdquo;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">On March 1, 2022, the net asset value per share of Common Stock was $8.74 and the closing market price was $9.18, representing a premium
to net asset value per share of 5.03%.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><A NAME="INVESTMENTBJECTIVEANDPOLICIES"></A><B>INVESTMENT
OBJECTIVE AND POLICIES</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Investment Objective</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Fund&rsquo;s investment objective is s capital appreciation, with
current income as a secondary objective. The Fund has a current target allocation of investing approximately 60% of its total assets
inequity securities and 40% in fixed income. The equity portion of the Fund invests globally in owners/operators of infrastructure in
the communications, utility, energy, and transportation industries. The fixed income portion of the Fund is designed to generate high
current income and total return through the application of active sector rotation, extensive credit research, and disciplined risk management
designed to capitalize on opportunities across undervalued areas of the fixed income markets.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">VIA, in its capacity as investment adviser to the Fund, and DPIM
and Newfleet, in their capacities as subadvisers, will seek to achieve the Fund&rsquo;s investment objective by investing globally
in equity securities of owners/operators of infrastructure and by investing across 14 sectors of the fixed income markets currently
identified by Newfleet to generate high current income and total return. Subject to the supervision of VIA, DPIM will manage the
equity portion, and Newfleet will manage the fixed-income portion of the Fund&rsquo;s assets. VIA has advised that it anticipates
that the net proceeds of the Offer will be allocated wholly to the infrastructure sleeve, and as a result the allocation to the
equity portion managed by DPIM will increase. VIA monitors the allocation to the Subadvisers on an ongoing basis, and may
rebalance the Fund&rsquo;s assets periodically in its discretion.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The infrastructure companies in which DPIM may typically invest are
issuers involved to a significant extent in providing energy, utility, transportation, communication and other essential services to
society. These essential services include (i)&nbsp;the generation, transmission, distribution or storage of electricity, oil, gas or
water, (ii)&nbsp;the provision of telecommunications services, including telephone, cable television, satellite, and other communications
activities; and (iii)&nbsp;the construction, operation, or ownership of airports, toll roads, railroads, ports, pipelines, or educational
and healthcare facilities. A company will be deemed an infrastructure company if at least 50% of its assets, gross income or profits
are committed to, or derived from, one or more of these activities. Infrastructure owners/operators offer revenues with low variability;
stable and predictable cash flows; an ability to distribute relatively high dividends; and many have inflation-linked revenues via long-term
lease contracts. Infrastructure owners/operators exhibit attractive risk/return characteristics, offer moderate-to-high income and moderate
growth; and are defensive in nature.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Newfleet&rsquo;s objective to generate high current income and total
return is accomplished by applying extensive credit research and a time-tested approach to capitalize on opportunities across sectors
of the bond market that it believes are undervalued. Newfleet seeks diversification in the fixed income portion of the Fund among 14
sectors in a manner that Newfleet believes may potentially increase return while simultaneously managing risk. The fixed income portion
of the Fund may be invested without limitation in below investment grade securities, also known as junk bonds. A team of investment professionals
provides significant research depth across the 14 bond market sectors currently identified by Newfleet.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Fund&rsquo;s investment objective may not be changed without the
approval of a majority of the Fund&rsquo;s outstanding voting securities. As used in this Prospectus, the term &ldquo;majority of the
Fund&rsquo;s outstanding voting securities&rdquo; means the lesser of either (i)&nbsp;67% of the shares represented at a shareholders
meeting at which the holders of more than 50% of the outstanding shares are present in person or by proxy, or (ii)&nbsp;more than 50%
of the outstanding shares.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Investment Strategies/Restrictions</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Fund may use some or all of the following investment strategies
where their use appears appropriate to a Subadviser. No assurance can be given that the Fund will use any or all of such investment methods
or, if used, that their use will achieve its investment objective. The investment methods described below are subject to, and should
be read in conjunction with, the discussion under &ldquo;Investment Restrictions&rdquo; and &ldquo;Investment Objective and Policies&rdquo;
in the SAI. The restrictions set forth under &ldquo;Investment Restrictions&rdquo; are fundamental, and thus may be changed only with
the approval of a majority of the Fund&rsquo;s outstanding voting securities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><I>Acting as Underwriter</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Fund may not act as an underwriter of securities of other issuers,
except to the extent that the Fund might be considered an underwriter within the meaning of the 1933 Act in the disposition of securities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><I>Borrowing</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Fund may not borrow money (through reverse repurchase agreements
or otherwise), except (i)&nbsp;for temporary emergency purposes in amounts not in excess of 5% of the value of the Fund&rsquo;s total
assets at the time the loan is made; or (ii)&nbsp;in an amount not greater than 33 1/3% of the Fund&rsquo;s total assets.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><I>Closed-End Investment Companies</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Fund may also invest in other closed-end investment companies
if the Investment Adviser believes that such investments will further the Fund&rsquo;s investment objective. If the Fund purchases shares
of another investment company at a discount which subsequently declines, the performance of such investment generally would be better
than if the Fund had purchased the underlying portfolio investments of such other investment company. Such investments in other investment
companies will constitute less than 10% of the Fund&rsquo;s net assets.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><I>Commodities</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Fund may not purchase physical commodities or contracts relating
to physical commodities, except as permitted under the 1940 Act and other applicable laws, rules&nbsp;and regulations, as such may be
interpreted or modified by regulatory authorities having jurisdiction, from time to time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><I>Common Stock</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Fund may invest in Common stock. Common stock represents the residual
ownership interest in the issuer.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><I>Convertible Securities</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Fund may invest in convertible securities and synthetic convertible
securities. Convertible securities include bonds, debentures, notes, preferred stocks and other securities that entitle the holder to
acquire common stock or other equity securities of the same or a different issuer.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><I>Credit Quality</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">With respect to the portion of its assets allocated to preferred securities
and debt securities, the Fund may invest without limit in securities that at the time of investment are rated below investment grade
(Baa or lower) by Moody&rsquo;s, (BBB or lower) by S&amp;P, or an equivalent rating by a nationally recognized statistical rating agency
or that are unrated but judged to be below investment grade by the Adviser.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><I>Debt Securities</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Fund may invest in debt securities. The Fund may also invest in
loans and loan participations. The Fund may invest in debt securities of any rating, including below investment grade and unrated debt
securities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><I>Derivatives</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Fund may use various derivative instruments, such as exchange-listed
and over-the-counter put and call options, future contracts, options on futures contracts, swaps, caps, floors or collars, to earn income,
generate investment return, facilitate portfolio management and mitigate risks. The Fund may also seek to gain exposure to securities,
indices or baskets of securities by investing in derivative instruments such as swap agreements.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><I>Emerging Markets</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Fund may invest in securities of issuers located or doing business
in developing or &ldquo;emerging market&rdquo; countries. The Adviser has broad discretion to identify and invest in countries that it
considers to qualify as emerging market countries.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><I>Exchange-Traded Funds</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Fund may invest in passively managed registered open-end investment
companies or other baskets of securities, such as unit investment trusts, which trade on a national securities exchange or NASDAQ and
are commonly called ETFs. These investments represent shares of ownership in ETFs that hold portfolios of securities which are designed
to generally correspond to and closely track the price and yield performance of an index of securities. Accordingly, ETFs have risks
similar to those of stocks and are subject to market volatility. Investment returns may fluctuate so that invested shares, when redeemed
or sold, may be worth more or less than their original cost.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><I>Foreign Issuers</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Fund may invest without limit in securities of foreign issuers.
The Fund may seek to gain exposure to foreign issuers by investing in derivative instruments, including swap agreements.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><I>Forward Foreign Currency Contracts</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">In the event that the Fund executes a foreign security transaction,
the Fund may enter into forward foreign currency contracts to settle specific purchases or sales of securities denominated in a foreign
currency.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><I>Illiquid Securities</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Fund may invest without limit in illiquid securities (i.e. securities
that are no readily marketable). Illiquid securities may include, but are not limited to, restricted securities, securities that may
only be resold pursuant to Rule&nbsp;144A under the 1933 Act, as amended and repurchase agreements with maturities in excess of seven
days. Illiquid securities may also include interests in senior, senior subordinated or subordinated debt obligations.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><I>Industry Concentration</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Fund may not purchase any security if, as a result, 25% or more
of its total assets would be invested in securities of issuers having their principal business activities in the same industry. This
investment restriction does not apply to investments in U.S. Government Securities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><I>Interest Rate Hedging Transactions</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Fund may enter into interest rate hedging transactions to hedge
against interest rate risks inherent in its underlying investments and use of leverage.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><I>Lending</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Fund may not lend any funds or other assets, except that the Fund
may purchase publicly distributed debt obligations (including repurchase agreements) consistent with its investment objective and policies,
and the Fund may make loans of portfolio securities if such loans do not cause the aggregate amount of all outstanding securities loans
to exceed 33 1/3% of the Fund&rsquo;s total assets, provided that the loan is collateralized by cash or cash equivalents or U.S. Government
Securities in an amount equal, on a daily basis, to the market value of the securities loaned.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><I>Leverage</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Fund may use leverage through bank borrowings, reverse repurchase
agreements or other transactions involving indebtedness or through the issuance of preferred shares. The Fund may also enter into derivatives
transactions, including total return swaps, that may in certain circumstances produce effects similar to leverage, although such leveraging
effect is not limited by the percentage restrictions contained in this paragraph, provided that the Fund &ldquo;covers&rdquo; its obligations
under such transactions. See &ldquo;Leverage.&rdquo;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Fund may vary its use of leverage in response to changing market
conditions and the Fund may significantly reduce or not utilize leverage for a period of time if it determines that the costs of leverage
either would exceed the return that it anticipates on the securities purchased with the leverage proceeds or would require investment
in securities with a higher risk profile than is desirable. The Fund will not use leverage if it anticipates that a leveraged capital
structure would result in a lower return to shareholders than the Fund could obtain over time without leverage.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><I>Mortgage-Related and Asset Backed Securities</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Fund may invest in mortgage-related and asset-backed securities
including mortgage pass-through securities, commercial mortgage-backed securities (&ldquo;CMBS&rdquo;), commercial real estate collateralized
debt obligation (&ldquo;CRE CDOs&rdquo;), collateralized loan obligations (&ldquo;CLOs&rdquo;) and other securities that directly or
indirectly represent a participation in, or are secured by or payable from, mortgage loans on real property or other assets. These investments
may include subordinate classes including the &ldquo;equity&rdquo; or first loss class.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><I>Preferred Securities</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Fund may invest in preferred securities and convertible preferred
securities. Preferred securities pay fixed or floating dividends to investors and have &ldquo;preference&rdquo; over common stock in
payment of dividends and liquidation of a company&rsquo;s assets.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><I>Real Estate</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Fund may not purchase or sell real estate, provided that the Fund
may invest in securities secured by real estate or real estate interests or issued by companies which invest in real estate or real estate
interests.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><I>Repurchase Agreements</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">In a repurchase agreement, the Fund purchases a security and simultaneously
commits to sell that security back to the original seller at an agreed-upon price. The resale price reflects the purchase price plus
an agreed-upon incremental amount that is unrelated to the coupon rate or maturity of the purchased security. As protection against the
risk that the original seller will not fulfill its obligation, the securities are held in a separate account at a bank, marked-to- market
daily and maintained at a value at least equal to the sale price plus the accrued incremental amount. While it does not presently appear
possible to eliminate all risks from these transactions (particularly the possibility that the value of the underlying security will
be less than the resale price, as well as delays and costs to a fund in connection with bankruptcy proceedings), the Fund will engage
in repurchase agreement transactions only with parties whose creditworthiness has been reviewed and found satisfactory by the Adviser.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><I>Reverse Repurchase Agreements</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Fund may enter into reverse repurchase agreements with respect
to its portfolio investments subject to the investment restrictions set forth herein. Reverse repurchase agreements involve the sale
of securities held by the Fund with an agreement by the Fund to repurchase the securities at an agreed upon price, date and interest
payment. The use by the Fund of reverse repurchase agreements involves many of the same risks of leverage described under &ldquo;Leverage&rdquo;
and &ldquo;Risks of the Fund &mdash; Leverage Risk,&rdquo; since the proceeds derived from such reverse repurchase agreements may be
invested in additional securities. At the time the Fund enters into a reverse repurchase agreement, it may designate on its books and
records liquid instruments having a value not less than the repurchase price (including accrued interest). If the Fund designates liquid
instruments on its books and records, a reverse repurchase agreement will not be considered a borrowing by the Fund; however, under circumstances
in which the Fund does not designate liquid instruments on its books and records, such reverse repurchase agreement will be considered
a borrowing for the purpose of the Fund&rsquo;s limitation on borrowings. Reverse repurchase agreements involve the risk that the market
value of the securities acquired in connection with the reverse repurchase agreement may decline below the price of the securities the
Fund has sold but is obligated to repurchase. Also, reverse repurchase agreements involve the risk that the market value of the securities
retained in lieu of sale by the Fund in connection with the reverse repurchase agreement may decline in price. If the buyer of securities
under a reverse repurchase agreement files for bankruptcy or becomes insolvent, such buyer or its trustee or receiver may receive an
extension of time to determine whether to enforce the Fund&rsquo;s obligation to repurchase the securities, and the Fund&rsquo;s use
of the proceeds of the reverse repurchase agreement may effectively be restricted pending such decision. Also, the Fund would bear the
risk of loss to the extent that the proceeds of the reverse repurchase agreement are less than the value of the securities subject to
such agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><I>Senior Securities</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Fund may not issue senior securities in contravention of the Investment
Company Act of 1940.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><I>Temporary Defensive Positions</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">When changing economic conditions and other factors cause the yield
difference between lower-rated and higher-rated securities to narrow, the Fund may purchase higher-rated debt instruments if the Adviser
believes that the risk of loss of income and principal may be reduced substantially with only a relatively small reduction in yield.
In addition, under unusual market or economic conditions or for temporary defensive purposes, the Fund may invest up to 100% of its total
assets in securities issued or guaranteed by the U.S. government or its instrumentalities or agencies, investment grade securities, short-term
debt securities, certificates of deposit, bankers&rsquo; acceptances and other bank obligations, commercial paper rated in the highest
category by a rating agency or other fixed-income securities deemed by the Adviser to be consistent with a defensive posture, or may
hold cash. The yield on such securities may be lower than the yield on lower-rated fixed-income securities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><I>U.S. Government Securities</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Fund will generally invest in U.S. government securities, which
are those securities issued or guaranteed by the U.S. government or its agencies or instrumentalities, including U.S. Treasury securities
that differ in their interest rates, maturities and times of issuance. Some obligations issued or guaranteed by U.S. government agencies
and instrumentalities are supported by the full faith and credit of the U.S. Treasury; others by the right of the issuer to borrow from
the Treasury; others by discretionary authority of the U.S. government to purchase certain obligations of the agency or instrumentality;
and others only by the credit of the agency or instrumentality. These securities bear fixed, floating or variable rates of interest.
While the U.S. government provides financial support to such U.S. government-sponsored agencies and instrumentalities, no assurance can
be given that it will always do so since it is not so obligated by law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><A NAME="RISKFACTORSANDSPECIALCONSIDERATIONS"></A><B>RISK
FACTORS AND SPECIAL CONSIDERATIONS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The following discusses certain matters that should be considered,
among others, in connection with the Offer.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B>Dilution &ndash; Net Asset Value and Non-Participation
in the Offer</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Record Date Shareholders who do not fully exercise their Rights will,
upon the completion of the Offer, own a smaller proportional interest in the Fund than they owned prior to the Offer. In addition, an
immediate dilution of the net asset value per share will be experienced by all shareholders as a result of the Offer because the Subscription
Price will be less than the then current net asset value per share, and the number of shares outstanding after the Offer will increase
in greater percentage than the increase in the size of the Fund&rsquo;s assets. Although it is not possible to state precisely the amount
of such decrease in net asset value per share because it is not known at this time what the Subscription Price will be, what the net
asset value per share will be on the Pricing Date, or what proportion of the Shares will be subscribed for, such dilution could be minimal
or substantial. For example, assuming (i)&nbsp;all Rights are exercised, (ii)&nbsp;the Fund&rsquo;s net asset value on the Pricing Date
is $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; per share (the net asset value per share on &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;,
2022), and (iii)&nbsp;the Subscription Price is $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; per share (equal
to 95% the lower of the NAV at the close of business on &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;, 2022
or the average of the last reported sale price of a share of the Fund&rsquo;s Common Stock on the NYSE on &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;,
2022, and the four preceding business days), then the Fund&rsquo;s net asset value per share would be reduced by approximately $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;per
share or &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;%.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Anti-Takeover
Provisions. </B></FONT>Certain provisions of the Fund&rsquo;s Articles of Incorporation could have the effect of limiting the ability
of entities or persons to acquire control of the Fund or to modify the Fund&rsquo;s structure. The provisions may have the effect of
depriving shareholders of an opportunity to sell shares at a premium over prevailing market prices and may have the effect of inhibiting
conversion of the Fund to an open-end investment company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Asset-Backed
Securities Risk. </B></FONT>The Fund may invest in structured products, including collateralized debt obligations (&ldquo;CDOs&rdquo;),
collateralized bond obligations (&ldquo;CBOs&rdquo;), CLOs, structured notes, credit-linked notes and other types of structured products.
Holders of structured products bear risks of the underlying investments, index or reference obligation and are subject to counterparty
risk. The Fund may have the right to receive payments only from the structured product, and generally does not have direct rights against
the issuer or the entity that sold the assets to be securitized. While certain structured products enable the investor to acquire interests
in a pool of securities without the brokerage and other expenses associated with directly holding the same securities, investors in structured
products generally pay their share of the structured product&rsquo;s administrative and other expenses. Although it is difficult to predict
whether the prices of indices and securities underlying structured products will rise or fall, these prices (and, therefore, the prices
of structured products) will be influenced by the same types of political and economic events that affect issuers of securities and capital
markets generally. If the issuer of a structured product uses shorter term financing to purchase longer term securities, the issuer may
be forced to sell its securities at below market prices if it experiences difficulty in obtaining short-term financing, which may adversely
affect the value of the structured products owned by the Fund.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Certain structured products may be thinly traded
or have a limited trading market. CBOs, CLOs and other CDOs are typically privately offered and sold, and thus are not registered under
the securities laws. As a result, investments in CBOs, CLOs and CDOs may be characterized by the Fund as illiquid securities; however,
an active dealer market may exist which would allow such securities to be considered liquid in some circumstances. In addition to the
general risks associated with debt securities discussed herein, CBOs, CLOs and CDOs carry additional risks, including, but not limited
to: (i)&nbsp;the possibility that distributions from collateral securities will not be adequate to make interest or other payments; (ii)&nbsp;the
quality of the collateral may decline in value or default; (iii)&nbsp;the possibility that the CBOs, CLOs and CDOs are subordinate to
other classes; and (iv)&nbsp;the complex structure of the security may not be fully understood at the time of investment and may produce
disputes with the issuer or unexpected investment results.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Investments in structured notes involve risks,
including credit risk and market risk. Where the Fund&rsquo;s investments in structured notes are based upon the movement of one or more
factors, including currency exchange rates, interest rates, referenced bonds and stock indices, depending on the factor used and the
use of multipliers or deflators, changes in interest rates and movement of the factor may cause significant price fluctuations. Additionally,
changes in the reference instrument or security may cause the interest rate on the structured note to be reduced to zero, and any further
changes in the reference instrument may then reduce the principal amount payable on maturity. Structured notes may be less liquid than
other types of securities and more volatile than the reference instrument or security underlying the note. The Fund&rsquo;s current investment
in equity tranches of CLO&rsquo;s is particularly subject to these risks.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Bank
Loan Risk.</B></FONT> Investing in loans (including floating rate loans, loan assignments, loan participations and other loan instruments)
carries certain risks in addition to the risks typically associated with high-yield/high-risk fixed income securities. Loans may be unsecured
or not fully collateralized, may be subject to restrictions on resale and sometimes trade infrequently on the secondary market. In the
event a borrower defaults, the Fund&rsquo;s access to the collateral may be limited or delayed by bankruptcy or other insolvency laws.
There is a risk that the value of the collateral securing the loan may decline after the Fund invests and that the collateral may not
be sufficient to cover the amount owed to the Fund. If the loan is unsecured, there is no specific collateral on which the Fund can foreclose.
In addition, if a secured loan is foreclosed, the Fund may bear the costs and liabilities associated with owning and disposing of the
collateral, including the risk that collateral may be difficult to sell.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Transactions in many loans settle on a delayed
basis that may take more than seven days. As a result, sale proceeds related to the sale of loans may not be available until potentially
a substantial period of time after the sale of the loans. No active trading market may exist for some loans, which may impact the ability
of the Fund to realize full value in the event of the need to liquidate such assets. Adverse market conditions may impair the liquidity
of some actively traded loans. Loans also may be subject to restrictions on resale, which can delay the sale and adversely impact the
sale price. Difficulty in selling a loan can result in a loss. Loans made to finance highly leveraged corporate acquisitions may be especially
vulnerable to adverse changes in economic or market conditions. Certain loans may not be considered &ldquo;securities,&rdquo; and purchasers,
such as the Fund, therefore may not be entitled to rely on the strong anti-fraud protections of the federal securities laws. With loan
participations, the Fund may not be able to control the exercise of any remedies that the lender would have under the loan and likely
would not have any rights against the borrower directly, so that delays and expense may be greater than those that would be involved
if the Fund could enforce its rights directly against the borrower.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Below
Investment Grade Securities Risk. </B></FONT>The Fund may invest without limit in securities that at the time of investment are rated
below investment grade. Securities rated below investment grade are regarded as having predominately speculative characteristics with
respect to the issuer&rsquo;s capacity to pay interest and repay principal, and these securities are sometimes referred to as &ldquo;junk
bonds.&rdquo; These securities are subject to a greater risk of default. A security will be considered to be below investment grade if,
at the time of investment, such security has a rating lower than &ldquo;Baa&rdquo; by Moody&rsquo;s, lower than &ldquo;BBB&rdquo; by
S&amp;P or an equivalent rating by a nationally recognized statistical rating agency, or, if unrated, such security is determined by
the Adviser or Subadviser to be of comparable quality.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Below investment grade securities may be considered
speculative with respect to the issuer&rsquo;s continuing ability to make principal and interest payments. Analysis of the creditworthiness
of issuers of below investment grade securities may be more complex than for issuers of higher quality debt securities, and the Fund&rsquo;s
ability to achieve its investment objectives may, to the extent the Fund is invested in below investment grade securities, be more dependent
upon such creditworthiness analysis than would be the case if the Fund was investing in higher quality securities. An issuer of these
securities has a currently identifiable vulnerability to default and the issuer may be in default or there may be present elements of
danger with respect to principal or interest.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Below investment grade securities, or equivalent
unrated securities, generally involve greater volatility of price and risk of loss of income and principal and may be more susceptible
to real or perceived adverse economic and competitive industry conditions than higher grade securities. The prices of these lower grade
securities are more sensitive to negative developments, such as a decline in the issuer&rsquo;s revenues or a general economic downturn,
than are the prices of higher grade securities. Yields on below investment grade securities will fluctuate if the issuer of below investment
grade securities defaults, and the Fund may incur additional expenses to seek recovery.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The secondary markets in which below investment
grade securities are traded may be less liquid than the market for higher grade securities. Less liquidity in the secondary trading markets
could adversely affect the price at which the Fund could sell a particular below investment grade security when necessary to meet liquidity
needs or in response to a specific economic event, such as a deterioration in the creditworthiness of the issuer, and could adversely
affect and cause large fluctuations in the net asset value of the Fund&rsquo;s shares. Adverse publicity and investor perceptions may
decrease the values and liquidity of high yield securities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">It is reasonable to expect that any adverse economic
conditions could disrupt the market for below investment grade securities, have an adverse impact on the value of those securities and
adversely affect the ability of the issuers of those securities to repay principal or interest on those securities. New laws and proposed
new laws may adversely impact the market for below investment grade securities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Call/Put
Spread Risk.</B></FONT> The Fund may enter into options on indexes. Options on indexes provide the holder with the right to make or receive
a cash settlement upon exercise of the option. The amount of the settlement will equal the difference between the closing price of the
index at the time of exercise and the exercise price of the option expressed in dollars, times a specified multiple. Buying and selling
call and put option spreads on the SPX Index involves the risk of loss of the premium when buying, can limit upside participation and
increase downside losses.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Commercial
Mortgage Loan Risk. </B></FONT>Commercial mortgage loans are subject to risks of delinquency and foreclosure and risks of loss that may
be greater than similar risks associated with loans made on the security of single family residential property.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
ability of a borrower to repay a loan secured by a property typically is dependent primarily upon the successful operation of such property
rather than upon the existence of independent income or assets of the borrower. If the net operating income of the property is reduced,
the borrower&rsquo;s ability to repay the loan may be </FONT>impaired. Net operating income of an income producing property can be affected
by, among other things: tenant mix, success of tenant businesses, property management decisions, property location and condition, competition
from comparable types of properties, changes in laws that increase operating expenses or limit rents that may be charged, any need to
address environmental contamination at the property, the occurrence of any uninsured casualty at the property, changes in national, regional
or local economic conditions and/or specific industry segments, declines in regional or local real estate values, declines in regional
or local rental or occupancy rates, increases in interest rates, real estate tax rates and other operating expenses, changes in governmental
rules, regulations and fiscal policies, including environmental legislation, terrorism, social unrest and civil disturbances.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">In the event of any default under a mortgage
loan held directly by the Fund, the Fund will bear a risk of loss of principal to the extent of any deficiency between the value of the
collateral and the principal and accrued interest of the mortgage loan, which could have an adverse effect on the Fund&rsquo;s cash flow
from operations and limit amounts available for distribution to shareholders. In the event of the bankruptcy of a mortgage loan borrower,
the mortgage loan to such borrower will be deemed to be secured only to the extent of the value of the underlying collateral at the time
of bankruptcy (as determined by the bankruptcy court), and the lien securing the mortgage loan will be subject to the avoidance powers
of the bankruptcy trustee or debtor-in-possession to the extent the lien is unenforceable under state law. Foreclosure of a mortgage
loan can be an expensive and lengthy process which could have a substantial negative effect on the Fund&rsquo;s anticipated return on
the foreclosed mortgage loan.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Investments in mezzanine loans involve a higher
degree of risk than long-term senior mortgage lending secured by income producing real property because the investment may become unsecured
as a result of foreclosure by the senior lender. In the event of a bankruptcy of the entity providing the pledge of its ownership interests
as security, the Fund may not have full recourse to the assets of such entity, or the assets of the entity may not be sufficient to satisfy
the Fund&rsquo;s mezzanine loan. If a borrower defaults on a mezzanine loan or debt senior to the Fund&rsquo;s loan, or in the event
of a borrower bankruptcy, the Fund&rsquo;s mezzanine loan will be satisfied only after the senior debt. As a result, the Fund may not
recover some or all of its investment. In addition, mezzanine loans may have higher loan-to-value ratios than conventional mortgage loans,
resulting in less equity in the real property and increasing the risk of loss of principal.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Convertible
Securities Risk. </B></FONT>Although to a lesser extent than with non-convertible fixed income securities, the market value of convertible
securities tends to decline as interest rates increase and, conversely, tends to increase as interest rates decline. In addition, because
of the conversion feature, the market value of convertible securities tends to vary with fluctuations in the market value of the underlying
common stock. A unique feature of convertible securities is that as the market price of the underlying common stock declines, convertible
securities tend to trade increasingly on a yield basis, and so may not experience market value declines to the same extent as the underlying
common stock. When the market price of the underlying common stock increases, the prices of the convertible securities tend to rise as
a reflection of the value of the underlying common stock. While no securities investments are without risk, investments in convertible
securities generally entail less risk than investments in common stock of the same issuer.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Counterparty
Risk. </B></FONT>The Fund will be subject to credit risk with respect to the counterparties to any derivative contracts purchased or
interest rate transactions entered into by the Fund. If a counterparty becomes bankrupt or otherwise fails to perform its obligations
under a derivative contract due to financial difficulties, the Fund may experience significant delays in obtaining any recovery under
the derivative contract in bankruptcy or other reorganization proceeding. The Fund may obtain only a limited recovery or may obtain no
recovery in such circumstances.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Credit
Risk. </B></FONT>Credit risk is the risk that a security in the Fund&rsquo;s portfolio will decline in price or the issuer will fail
to make dividend, interest or principal payments when due because the issuer of the security experiences a decline in its financial status.
Preferred securities normally are subordinated to bonds and other debt instruments in a company&rsquo;s capital structure, in terms of
priority to corporate income and claim to corporate assets, and therefore will be subject to greater credit risk than debt instruments.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Cybersecurity
Risk. </B></FONT>With the increased use of technologies such as the Internet to conduct business, the Fund has become potentially more
susceptible to operational and information security risks through breaches in cybersecurity. In general, a breach in cybersecurity can
result from either a deliberate attack or an unintentional event. Cybersecurity breaches may involve, among other things, infection by
computer viruses or other malicious software code or unauthorized access to the digital information systems, networks or devices of the
Fund or its service providers (including, but not limited to, the Fund&rsquo;s Adviser, Subadvisers, transfer agent, custodian, administrators
and other financial intermediaries) through &ldquo;hacking&rdquo; or other means, in each case for the purpose of misappropriating assets
or sensitive information (including, for example, personal shareholder information), corrupting data or causing operational disruption
or failures in the physical infrastructure or operating systems that support the Fund. Any such cybersecurity breaches or losses of service
may cause the Fund to lose proprietary information, suffer data corruption or lose operational capacity, which, in turn, could cause
the Fund to incur regulatory penalties, reputational damage, additional compliance costs associated with corrective measures, and/or
financial loss. While the Fund and its service providers have established business continuity plans and risk management systems designed
to prevent or reduce the impact of cybersecurity attacks, there are inherent limitations in such plans and systems due in part to the
ever-changing nature of technology and cybersecurity attack tactics, and there is a possibility that certain risks have not been adequately
identified or prepared for. Cybersecurity risks may also impact issuers of securities in which the Fund invests, which may cause the
Fund&rsquo;s investments in such issuers to lose value.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Debt
Risk. </B></FONT>Debt securities are subject to the risk of the issuer&rsquo;s inability to meet principal and interest payments on the
obligation and may also be subject to price volatility due to such factors as interest rate sensitivity, market perception of the creditworthiness
of the issuer and general market liquidity. When interest rates rise, the value of debt securities can be expected to decline. Debt securities
with longer maturities tend to be more sensitive to interest rate movements than those with shorter maturities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Default
Risk. </B></FONT>Default risk refers to the risk that a company that issues a debt security or engages in other forms of borrowing will
be unable to fulfill its obligations to repay principal and interest. The lower the debt is rated, the greater the default risk.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Derivatives
Risk. </B></FONT>Derivative transactions are contracts whose value is derived from the value of an underlying asset, index or rate, including
futures, options, non-deliverable forwards, forward foreign currency exchange contracts and swap agreements. The Fund may use derivatives
to hedge against factors that affect the value of its investments, such as interest rates and foreign currency exchange rates. The Fund
may also utilize derivatives as part of its overall investment technique to gain or lessen exposure to various securities, markets, volatility,
dividend payments and currencies.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Derivatives typically involve greater risks than
traditional investments. It is generally more difficult to ascertain the risk of, and to properly value, derivative contracts. Many derivatives,
and particularly those that are privately negotiated, are complex and often valued subjectively. Improper valuations can result in increased
cash payment requirements to counterparties or a loss of value to the Fund. The prices of derivatives may move in unexpected ways, especially
in abnormal market conditions. Derivatives are usually less liquid than traditional securities and are subject to counterparty risk (the
risk that the other party to the contract will default or otherwise not be able to perform its contractual obligations). In addition,
some derivatives transactions may involve potentially unlimited losses.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Derivative contracts entered into for hedging
purposes may also subject the Fund to losses if the contracts do not correlate with the assets, indexes or rates they were designed to
hedge. Gains and losses derived from hedging transactions are, therefore, more dependent upon the Adviser&rsquo;s and Subadviser&rsquo;s
ability to correctly predict the movement of the underlying asset prices, indexes or rates.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">As an investment company registered with the
SEC, the Fund is required to identify on its books (often referred to as &ldquo;asset segregation&rdquo;) liquid assets, or engage in
other SEC-approved measures, to &ldquo;cover&rdquo; open positions with respect to certain kinds of derivative instruments. If the Fund
invests in such instruments and has insufficient cash to meet such requirements, it may have to sell other investments, including at
disadvantageous times.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Governments, agencies and/or other regulatory
bodies may adopt or change laws or regulations that could adversely affect the Fund&rsquo;s ability to invest in derivatives as the Subadviser
intends. The Dodd-Frank Wall Street Reform and Consumer Protection Act (the &ldquo;Dodd-Frank Act&rdquo;), among other things, grants
the Commodity Futures Trading Commission (the &ldquo;CFTC&rdquo;) and SEC broad rulemaking authority to implement various provisions
of the Dodd-Frank Act including comprehensive regulation of the over-the-counter (&ldquo;OTC&rdquo;) derivatives market. The implementation
of the Dodd-Frank Act could adversely affect the Fund by placing limits on derivative transactions, and/or increasing transaction and/or
regulatory compliance costs. For example, the CFTC has adopted rules&nbsp;that apply a new aggregation standard for position limit purposes,
which may further limit the Fund&rsquo;s ability to trade futures contracts and swaps.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">There are also special tax rules&nbsp;applicable
to certain types of derivatives, which could affect the amount, timing and character of the Fund&rsquo;s income or loss and hence of
its distributions to shareholders by causing holding period adjustments, converting short-term capital losses into long-term capital
losses, and accelerating the Fund&rsquo;s income or deferring its losses. The Fund&rsquo;s use of derivatives may also increase the amount
of taxes payable by shareholders or the resources required by the Fund or its Adviser and/or Subadviser(s)&nbsp;to comply with particular
regulatory requirements.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Emerging
Markets Risk. </B></FONT>The Fund may invest in securities of issuers located or doing business in developing or emerging market countries.
Foreign securities risk may be particularly high to the extent that the Fund invests in securities of issuers located in or securities
denominated in currencies of emerging market countries. These investments entail all of the risks of investing in securities of foreign
issuers noted above, but to a heightened degree. These heightened risks include:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&middot;</FONT></TD><TD>greater
                                            risks of expropriation, confiscatory taxation, nationalization and less social, political
                                            and economic stability;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&middot;</FONT></TD><TD>the
                                            smaller size of the market for such securities and a lower volume of trading, resulting in
                                            a lack of liquidity and in price volatility; and</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&middot;</FONT></TD><TD>certain
                                            national policies which may restrict the Fund&rsquo;s investment opportunities, including
                                            restrictions on investing in issuers or industries deemed sensitive to relevant national
                                            interest.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The economies of individual emerging market countries
may differ favorably or unfavorably from the U.S. economy in such respects as growth of gross domestic product, rate of inflation, currency
depreciation, capital reinvestment, resource self-sufficiency and balance of payments position. Governments of many emerging market countries
have exercised and continue to exercise substantial influence over many aspects of the private sector. In some cases, the government
owns or controls many companies, including some of the largest in the country. Accordingly, government actions could have a significant
effect on market conditions and on the prices and yields of securities in the Fund&rsquo;s portfolio. Moreover, the economies of developing
countries generally are heavily dependent upon international trade and, accordingly, have been and may continue to be adversely affected
by trade barriers, exchange controls, managed adjustments in relative currency values and other protectionist measures imposed or negotiated
by the countries with which they trade. These economies also have been and may continue to be adversely affected by economic conditions
in the countries with which they trade.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Investments in emerging markets may also be exposed
to an extra degree of custodial and/or market risk, especially where the securities purchased are not traded on an official exchange
or where ownership records regarding the securities are maintained by an unregulated entity (or even the issuer itself).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Investment in certain foreign securities is restricted
or controlled to varying degrees. These restrictions or controls may at times limit or preclude foreign investment in certain securities
and increase the costs and expenses of the Fund. Certain foreign countries require governmental approval prior to investments by foreign
persons, limit the amount of investment by foreign persons in a particular issuer, limit the investment by foreign persons only to a
specific class of securities of an issuer that may have less advantageous rights than the classes available for purchase by domiciliaries
of the countries and/or impose additional taxes on foreign investors.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Environmental
Risk. </B></FONT>In connection with the ownership (direct or indirect), operation, management and development of real properties that
may contain hazardous or toxic substances, a portfolio company may be considered an owner or operator of such properties or as having
arranged for the disposal or treatment of hazardous or toxic substances and, therefore, may be potentially liable for removal or remediation
costs, as well as certain other costs, including governmental fines and liabilities for injuries to persons and property. The existence
of any such material environmental liability could have a material adverse effect on the results of operations and cash flow of any such
portfolio company and, as a result, the amount available to make distributions on the shares could be reduced.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Equity
Securities Risk. </B></FONT>The value of the U.S. and foreign equity securities in which the Fund invests will be affected by changes
in the stock markets, which may be the result of domestic or international political or economic news, changes in interest rates or changing
investor sentiment. At times, stock markets can be volatile and stock prices can change substantially. Equity securities risk will affect
the Fund&rsquo;s net asset value per share, which will fluctuate as the value of the securities held by the Fund changes. Not all stock
prices change uniformly or at the same time and not all stock markets move in the same direction at the same time. Other factors affect
a particular stock&rsquo;s prices, such as poor earnings reports by an issuer, loss of major customers, major litigation against an issuer
or changes in governmental regulations affecting an industry. Adverse news affecting one company can sometimes depress the stock prices
of all companies in the same industry. Not all factors can be predicted. While equity securities have historically generated higher average
returns than fixed income securities, equity securities have also experienced significantly more volatility in those returns. An adverse
event, such as an unfavorable earnings report, may depress the value of equity securities held by the Fund. Also, the prices of equity
securities are sensitive to general movements in the stock market. A drop in the stock market may depress the price of equity securities
held by the Fund.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Foreign
Currency Risk. </B></FONT>Although the Fund will report its net asset value and pay dividends in U.S. dollars, foreign securities often
are purchased with, and make dividend or interest payments in, foreign currencies. Therefore, when the Fund invests in foreign securities,
it will be subject to foreign currency risk, which means that the Fund&rsquo;s net asset value could decline as a result of changes in
the exchange rates between foreign currencies and the U.S. dollar. Certain foreign countries may impose restrictions on the ability of
issuers of foreign securities to make payments of principal and interest to investors located outside the country, due to blockage of
foreign currency exchanges or otherwise.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.25in">The Fund may, from time
to time, seek to protect the value of some portion or all of its portfolio holdings against currency risks by engaging in currency hedging
transactions. Such transactions may include entering into forward currency exchange contracts, currency futures contracts and options
on such futures contracts, as well as purchasing put or call options on currencies, in U.S. or foreign markets. Currency hedging involves
special risks, including possible default by the other party to the transaction, illiquidity and, to the extent the Adviser&rsquo;s or
Subadviser&rsquo;s view as to certain market movements is incorrect, the risk that the use of hedging could result in losses greater
than if they had not been used. In addition, in certain countries in which the Fund may invest, currency hedging opportunities may not
be available.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Foreign
Securities Risk. </B></FONT>Investing in foreign securities involves certain risks not involved in domestic investments, including, but
not limited to:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&middot;</FONT></TD><TD>adverse
                                            foreign economic, financial, political and social developments including the possibility
                                            of expropriation, nationalization, and confiscatory taxation risks;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&middot;</FONT></TD><TD>different
                                            legal systems and less government supervision;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&middot;</FONT></TD><TD>the
                                            possible imposition of exchange controls or other foreign governmental laws, restrictions
                                            or regulation changes;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&middot;</FONT></TD><TD>restrictions
                                            on receiving the investment proceeds from a foreign country, foreign tax laws and potential
                                            difficulties in enforcing contractual obligations;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&middot;</FONT></TD><TD>changes
                                            in currency exchange rates;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&middot;</FONT></TD><TD STYLE="text-align: justify">less
                                            publicly available information about companies due to less rigorous disclosure or accounting
                                            standards or regulatory practices;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&middot;</FONT></TD><TD STYLE="text-align: justify">high
                                            and volatile rates of inflation;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&middot;</FONT></TD><TD STYLE="text-align: justify">fluctuating
                                            interest rates;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&middot;</FONT></TD><TD STYLE="text-align: justify">different
                                            accounting, auditing and financial record-keeping standards and requirements; and</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&middot;</FONT></TD><TD STYLE="text-align: justify">in
                                            some cases, less efficient settlement practices, including extended clearance and settlement
                                            periods.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Investments in securities of foreign issuers
generally will be denominated in foreign currencies. Accordingly, the value of the Fund&rsquo;s assets, as measured in U.S. dollars may
be affected favorably or unfavorably by changes in currency exchange rates and in exchange control regulations. The Fund may incur costs
in connection with conversions between various currencies.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Certain foreign governments levy withholding
or other taxes on dividend and interest income. Although in some countries a portion of these taxes are recoverable, the non-recovered
portion of foreign withholding taxes will reduce the income received from investments in such countries.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Investments in foreign securities will expose
the Fund to the direct or indirect consequences of political, social or economic changes in the countries that issue the securities or
in which the issuers are located. Certain countries in which the Fund may invest have historically experienced, and may continue to experience,
high rates of inflation, high interest rates, exchange rate fluctuations, large amounts of external debt, balance of payments and trade
difficulties and extreme poverty and unemployment. The cost of servicing external debt will generally be adversely affected by rising
international interest rates because many external debt obligations bear interest at rates which are adjusted based upon international
interest rates. In addition, individual foreign economies may differ favorably or unfavorably from the U.S. economy in such respects
as the growth of gross domestic product, the rates of inflation, capital reinvestment, self-sufficiency and balance of payments position.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">From time to time, certain of the companies in
which the Fund expects to invest may operate in, or have dealings with, countries subject to sanctions or embargoes imposed by the U.S.
government and the United Nations and/or countries identified by the U.S. government as state sponsors of terrorism. A company may suffer
damage to its reputation if it is identified as a company which operates in, or has dealings with, countries subject to sanctions or
embargoes imposed by the U.S. government and the United Nations and/or countries identified by the U.S. government as state sponsors
of terrorism. As an investor in such companies, the Fund will be indirectly subject to those risks.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">These risks are more pronounced to the extent
that the Fund invests a significant portion of its non-U.S. investments in one region, or in smaller, emerging markets.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">As a result of these potential risks, the Adviser
or Subadviser may determine that, notwithstanding otherwise favorable investment criteria, it may not be practicable or appropriate to
invest in a particular country. The Fund may invest in countries in which foreign investors, including the Adviser or Subadviser, have
had no or limited prior experience.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Industry/Sector
Concentration Risk.</B></FONT> The value of the investments of a fund that focuses its investments in a particular industry or market
sector will be highly sensitive to financial, economic, political and other developments affecting that industry or market sector, and
conditions that negatively impact that industry or market sector will have a greater impact on the fund as compared with a fund that
does not have its holdings concentrated in a particular industry or market sector. Events negatively affecting the market sectors in
which the Fund has invested are therefore likely to cause the value of the Fund&rsquo;s shares to decrease, perhaps significantly. At
times, the performance of investments in those industries may lag the performance of other sectors or the market as a whole.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Inflation/Deflation
Risk. </B></FONT>Inflation risk is the risk that the value of assets or income from investment will be worth less in the future as inflation
decreases the value of money. As inflation increases, the real value of the common shares and distributions can decline and the dividend
payments on any preferred shares issued by the Fund, or interest payments on any borrowings may increase. In addition, during any periods
of rising inflation, the dividend rates for any preferred shares issued by the Fund would likely increase, which would tend to further
reduce returns to holders of common shares. Deflation risk is the risk that prices throughout the economy may decline over time, which
is the opposite of inflation. Deflation may have an adverse effect on the creditworthiness of issuers and may make issuer default more
likely, which may result in a decline in the value of the Fund&rsquo;s portfolio.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Infrastructure
Investment Risk.</B></FONT> Infrastructure-related entities are subject to a variety of factors that may adversely affect their business
or operations including high interest costs in connection with capital construction programs, costs associated with environmental and
other regulations, the effects of economic slowdown and surplus capacity, increased competition from other providers of services, uncertainties
concerning the availability of fuel at reasonable prices, the effects of energy conservation policies and other factors. Additionally,
infrastructure-related entities may be subject to regulation by various governmental authorities and may also be affected by governmental
regulation of rates charged to customers, service interruption due to environmental, operational or other mishaps and the imposition
of special tariffs and changes in tax laws, regulatory policies and accounting standards.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Interest
Rate Risk. </B></FONT>Interest rate risk is the risk that fixed income securities such as preferred and debt securities, and to a lesser
extent dividend paying common stocks, will decline in value because of changes in market interest rates. Generally, when market interest
rates rise, the market value of such securities will decline, and vice versa. The Fund&rsquo;s investment in such securities means that
the net asset value and market price of the common shares may tend to decline if market interest rates rise.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">During periods of rising interest rates, the
average life of certain types of securities may be extended because of slower than expected principal payments. This may lock in a below
market interest rate, increase the security&rsquo;s duration and reduce the value of the security. This is known as extension risk. During
periods of declining interest rates, an issuer may be able to exercise an option to prepay principal earlier than scheduled, which is
generally known as call or prepayment risk. If this occurs, the Fund may be forced to reinvest in lower yielding securities. This is
known as reinvestment risk. Preferred and debt securities frequently have call features that allow the issuer to repurchase the security
prior to its stated maturity. An issuer may redeem an obligation if the issuer can refinance the debt at a lower cost due to declining
interest rates or an improvement in the credit standing of the issuer.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Market interest rates for investment grade fixed
income securities in which the Fund may invest have declined significantly and the United States continues to experience historically
low interest rate levels. A low interest rate environment may have an adverse impact on the Fund&rsquo;s ability to provide a positive
yield to its shareholders and pay expenses out of Fund assets because of the low yields from the Fund&rsquo;s portfolio investments.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">However, continued economic recovery and the
cessation of the quantitative easing program increase the risk that interest rates will rise in the near future and that the Fund will
face a heightened level of interest rate risk. Federal Reserve policy changes may expose fixed-income and related markets to heightened
volatility and may reduce liquidity for certain Fund investments, which could cause the value of the Fund&rsquo;s investments and the
Fund&rsquo;s share price to decline or create difficulties for the Fund in disposing of investments. A fund that invests in derivatives
tied to fixed-income markets may be more substantially exposed to these risks than a fund that does not invest in derivatives. The Fund
could also be forced to liquidate its investments at disadvantageous times or prices, thereby adversely affecting the Fund. The Fund
may experience increased portfolio turnover because of these policy changes, which will increase the costs that the Fund incurs and lower
the Fund&rsquo;s performance.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Interest
Rate Transactions Risk. </B></FONT>The Fund may enter into an interest rate swap or cap transaction to attempt to protect itself from
increasing dividend or interest expenses resulting from increasing short- term interest rates. A decline in interest rates may result
in a decline in net amounts receivable by the Fund from the counterparty under the interest rate swap or cap (or an increase in the net
amounts payable by the Fund to the counterparty under the swap), which may result in a decline in the net asset value of the Fund.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Investment
Risk. </B></FONT>An investment in the Fund is subject to investment risk, including the possible loss of the entire amount that you invest.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Leverage
Risk. </B></FONT>The Fund reserves the flexibility to issue preferred shares, borrow money or issue debt securities. Leverage risk is
the risk associated with the issuing of preferred shares, borrowing of funds or other investment techniques that may expose the Fund
to financial leverage. Preferred shares issued by the Fund or other Fund indebtedness (other than for temporary or emergency purposes)
would be considered &ldquo;senior securities&rdquo; for purposes of the 1940 Act and would constitute leverage. Leverage creates an opportunity
for an increased return to common shareholders, but it is a speculative technique in that it will increase the Fund&rsquo;s exposure
to declines in cash flows from and decreases in market values of the Fund&rsquo;s assets. Unless the income and capital appreciation,
if any, on securities acquired with funds received from leverage exceeds the cost of the leverage, the use of leverage will diminish
the investment performance of the common shares. Successful use of leverage depends on the Adviser&rsquo;s or Subadviser&rsquo;s ability
to predict correctly interest rates and market movements, and there is no assurance that the use of a leveraging strategy will be successful
during any period in which it is used.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Capital raised through borrowings or the issuance
of preferred shares will be subject to interest costs or dividend payments, which could exceed the income and appreciation on the securities
purchased with the proceeds of such borrowing or issuances of preferred shares. The issuance of preferred shares by the Fund would involve
offering expenses and other costs, including dividend payments, which would be borne by the common shareholders. The Fund may also be
required to pay fees in connection with borrowings (such as loan syndication fees or commitment and administrative fees in connection
with a line of credit), and it might be required to maintain minimum average balances with a bank lender, either of which would increase
the cost of borrowing over the stated interest rate. Fluctuations in interest rates on borrowings and short-term debt or in the dividend
rates on any preferred shares issued could reduce cash available for dividends on common shares. Increased operating costs, including
the financing cost associated with any leverage, may reduce the Fund&rsquo;s total return.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The rights of lenders and holders of preferred
shares and debt securities issued by the Fund will be senior to the rights of the holders of common shares with respect to the payment
of dividends or upon liquidation. Holders of preferred shares will have voting rights in addition to and separate from the voting rights
of common shareholders.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The terms of any preferred shares issued by the
Fund, borrowing or other indebtedness may impose asset coverage requirements, dividend limitations and voting right requirements on the
Fund that are more stringent than those imposed under the 1940 Act. Such terms may also impose special restrictions on the Fund&rsquo;s
portfolio composition or on its use of various investment techniques or strategies. The Fund may be further limited in any of these respects
by guidelines established by any rating agencies that issue ratings for debt securities or preferred shares issued by the Fund. These
requirements may have an adverse effect on the Fund. For example, limitations on the Fund&rsquo;s ability to pay dividends or make other
distributions could impair its ability to maintain its qualification for treatment as a regulated investment company for U.S. federal
tax purposes. To the extent necessary, the Fund intends to repay indebtedness or to purchase or redeem preferred shares to maintain the
required asset coverage. Doing so may require the Fund to liquidate portfolio securities at a time when it would not otherwise be desirable
to do so. Nevertheless, it is not anticipated that the 1940 Act requirements, the terms of any senior securities or the rating agency
guidelines will impede the Adviser or Subadviser in managing the Fund&rsquo;s portfolio in accordance with the Fund&rsquo;s investment
objectives and policies. For additional information about leverage, see &ldquo;Leverage.&rdquo;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">While the Fund may from time to time consider
increasing or reducing leverage in response to actual or anticipated changes in market conditions and interest rates there can be no
assurance that the Fund&rsquo;s leverage strategy will benefit the holders of common shares. Changes in market conditions and the future
direction of interest rates are very difficult to predict accurately. If the Fund were to change its leverage strategy based on a prediction
about future market conditions and/or changes to interest rates, and that prediction turned out to be incorrect, the leverage strategy
would likely negatively impact the income and/or total returns to holders of common shares relative to the circumstance where the Fund
had not changed its leverage strategy.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The Fund may also enter into derivative transactions,
including total return swaps, that may in certain circumstances produce effects similar to leverage. Because many derivatives have a
leverage component, adverse changes in the value or level of the underlying asset, reference rate or index can result in a loss substantially
greater than the amount invested in the derivative itself. Certain derivatives have the potential for unlimited loss, regardless of the
size of the initial investment. When the Fund uses derivatives for leverage, investments in the Fund will tend to be more volatile, resulting
in larger gains or losses in response to market changes. The Fund manages some of its derivative positions by segregating or &ldquo;earmarking&rdquo;
an amount of cash or liquid securities equal to the face value of the positions. The Fund may also offset derivative positions against
one another or against other assets to manage effective market exposure resulting from derivatives in its portfolio. To the extent that
the Fund does not segregate or &ldquo;earmark&rdquo; liquid assets or otherwise cover its obligations under such transactions, such transactions
will be treated as senior securities representing indebtedness (&ldquo;borrowings&rdquo;) for purposes of the requirement under the 1940
Act that the Fund may not enter into any such transaction if the Fund&rsquo;s borrowings would thereby exceed 33 <SUP>1</SUP>/<SUB>3</SUB>%
of its total assets. In addition, to the extent that any offsetting positions do not behave in relation to one another as expected, the
Fund may perform as if it is leveraged.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Some of the Fund&rsquo;s portfolio securities,
including the securities of real estate companies and other investment companies and asset-backed securities, may also be leveraged and
will therefore be subject to the leverage risks described above. However, the restrictions of the 1940 Act will likely not apply to any
leverage employed by the Fund&rsquo;s portfolio securities. This additional leverage may, under certain market conditions, reduce the
net asset value of the Fund&rsquo;s common shares and the returns to the holders of common shares.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Management
Risk. </B></FONT>The Fund is subject to management risk because it is an actively managed investment portfolio with broad investment
mandates. The Adviser or Subadviser will apply investment techniques and risk analysis in making investment decisions for the Fund, but
there can be no guarantee that these will produce the desired results.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Market
Risk. </B></FONT>Your investment in common shares represents an indirect investment in the common stock, preferred securities and other
securities owned by the Fund. The value of these securities, like other investments, may move up or down, sometimes rapidly and unpredictably.
Your common shares at any point in time may be worth less than what you invested, even after taking into account the reinvestment of
Fund dividends and distributions. The Fund may utilize leverage, which magnifies the market risk. See &ldquo;Leverage Risk&rdquo; above.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Market
Volatility Risk. </B></FONT>The value of the securities in which the Fund invests may go up or down in response to the prospects of individual
companies and/or general economic conditions. Price changes may be temporary or may last for extended periods. Instability in the financial
markets has exposed the Fund to greater market and liquidity risk and potential difficulty in valuing portfolio instruments that it holds.
In response to financial markets that experienced extreme volatility, and in some cases a lack of liquidity, the U.S. Government has
taken a number of unprecedented actions, including acquiring distressed assets from financial institutions and acquiring ownership interests
in those institutions. The implications of government ownership and disposition of these assets are unclear. Additional legislation or
government regulation may also change the way in which the Fund itself is regulated, which could limit or preclude the Fund&rsquo;s ability
to achieve its investment objective.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Mortgage-Related
and Other Real Estate Asset-Backed Securities Risk. </B></FONT>Many of the risks of investing in CMBS, CRE CDOs and other real estate
asset-backed securities reflect the risks of investing in the real estate securing the underlying mortgage loans. These risks reflect
the effects of local and other economic conditions on real estate markets, the ability of tenants to make loan payments, and the ability
of a property to attract and retain tenants. The value of CMBS, CRE CDOs and other real estate asset-backed securities may also change
due to shifts in the market&rsquo;s perception of issuers and regulatory or tax changes adversely affecting the mortgage securities market
as a whole.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The value of some mortgage- or asset-backed securities,
including CMBS and CRE CDOs, may be particularly sensitive to changes in prevailing interest rates. Early repayment of principal on some
mortgage-related securities expose the Fund to a lower rate of return upon reinvestment of principal. When interest rates rise, the value
of a mortgage-related security generally will decline; however, when rates are declining, the value of mortgage-related securities with
prepayment features may not increase as much as other fixed income securities. The rate of prepayments on underlying mortgages will affect
the price and volatility of a mortgage-related security. The value of these securities may fluctuate in response to the market&rsquo;s
perception of the creditworthiness of the issuers. Additionally, although mortgages and mortgage-related securities are generally supported
by some form of government or private guarantee and/or insurance, there is no assurance that private guarantors or insurers will meet
their obligations.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">In addition to the normal risks generally associated
with real estate markets and the other risks discussed in this section, CMBS and CRE CDOs are also subject to several risks created through
the securitization process. Special servicer conflicts of interest arise due to the fact that junior note holders, who are represented
by a special servicer who deals with delinquent loans in the CMBS collateral pool, benefit from a postponement of the writedown of a
loan because it results in loss of principal and interest payable. Most CMBS transactions address this conflict with specific guidelines
regarding write-downs of specially serviced loans. Subordinated classes of securities (&ldquo;Subordinated CMBS&rdquo;) and subordinated
tranches of CRE CDOs are paid interest only to the extent that there are funds available to make payments. To the extent the collateral
pool includes a large percentage of delinquent loans, there is a risk that interest payments on Subordinated CMBS and subordinate CRE
CDOs will not be fully paid. Subordinated CMBS and subordinate CRE CDOs are also subject to greater credit risk than those CMBS and CRE
CDOs that are more highly rated.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Operational
Risk.</B></FONT> An investment in the Fund, like any mutual fund, can involve operational risks arising from factors such as processing
errors, human errors, inadequate or failed internal or external processes, failures in systems and technology, changes in personnel and
errors caused by third-party service providers. The occurrence of any of these failures, errors or breaches could result in a loss of
information, regulatory scrutiny, reputational damage or other events, any of which could have a material adverse effect on the Fund.
While the Fund seeks to minimize such events through controls and oversight, there may still be failures that could cause losses to the
Fund.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Preferred
Securities Risk. </B></FONT>There are special risks associated with investing in preferred securities, including:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><I>Deferral
and Omission. </I></FONT>Preferred securities may include provisions that permit the issuer, at its discretion, to defer or omit distributions
for a stated period without any adverse consequences to the issuer. If the Fund owns a preferred security that is deferring or omitting
its distributions, the Fund may be required to report income for U.S. federal tax purposes although it has not yet received such income.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><I>Subordination.
</I></FONT>Preferred securities are generally subordinated to bonds and other debt instruments in a company&rsquo;s capital structure
in terms of having priority to corporate income, claims to corporate assets and liquidation payments, and therefore will be subject to
greater credit risk than more senior debt instruments.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><I>Liquidity.
</I></FONT>Preferred securities may be substantially less liquid than many other securities, such as common stocks or U.S. government
securities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><I>Limited
Voting Rights. </I></FONT>Generally, traditional preferred securities offer no voting rights with respect to the issuing company unless
preferred dividends have been in arrears for a specified number of periods, at which time the preferred security holders may elect a
number of directors to the issuer&rsquo;s board. Generally, once all the arrearages have been paid, the preferred security holders no
longer have voting rights.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><I>Call
Risk. </I></FONT>Preferred securities may be redeemed beginning on their call date. If securities are called, the Fund may be forced
to reinvest in securities with a lower yield, which would result in a decline in income.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><I>Special
Redemption Rights. </I></FONT>In certain varying circumstances, an issuer of preferred securities may redeem the securities prior to
a specified date. For instance, for certain types of preferred securities, a redemption may be triggered by a change in U.S. federal
income tax or securities laws. As with call provisions, a redemption by the issuer may negatively impact the return of the security held
by the Fund.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><I>New
Types of Securities. </I></FONT>From time to time, preferred securities have been, and may in the future be, offered having features
other than those described herein. The Fund reserves the right to invest in these securities if the Adviser or Subadviser believes that
doing so would be consistent with the Fund&rsquo;s investment objectives and policies. Since the market for these instruments would be
new, the Fund may have difficulty disposing of them at a suitable price and time. In addition to limited liquidity, these instruments
may present other risks, such as high price volatility.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Reinvestment
Risk. </B></FONT>The Fund, directly and/or through its investment in debt securities, will be exposed to reinvestment risk. During periods
of declining interest rates or for other purposes, borrowers may exercise their option to repay principal earlier than scheduled. For
fixed-income securities, such payments often occur during periods of declining interest rates, forcing reinvestment in lower yielding
securities. Non-investment grade securities frequently have call features that allow the issuer to redeem the security at dates prior
to its stated maturity at a specified price (typically greater than par) only if certain prescribed conditions are met (&ldquo;call protection&rdquo;).
An issuer may redeem a non-investment grade security if, for example, the issuer can refinance the debt at a lower cost due to declining
interest rates or an improvement in the credit standing of the issuer.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Restricted
and Illiquid Securities Risks. </B></FONT>Illiquid securities may be difficult to dispose of at a fair price at the times when the Fund
believes it is desirable to do so. The market price of illiquid securities generally is more volatile than that of more liquid securities,
which may adversely affect the price that the Fund pays for or recovers upon the sale of illiquid securities. Illiquid securities are
also more difficult to value and the Adviser&rsquo;s or Subadviser&rsquo;s judgment as to value will often be given greater weight than
market quotations, if any exist. If market quotations are not available, illiquid securities will be valued in accordance with procedures
established by the Fund&rsquo;s Board, including the use of outside pricing services. Investment of the Fund&rsquo;s capital in illiquid
securities may restrict the Fund&rsquo;s ability to take advantage of market opportunities. The risks associated with illiquid securities
may be particularly acute in situations in which the Fund&rsquo;s operations require cash and could result in the Fund borrowing to meet
its short-term needs or incurring losses on the sale of illiquid securities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Restricted securities have contractual restrictions
on their public resale, which may make it more difficult to value them, may limit the Fund&rsquo;s ability to dispose of them and may
lower the amount the Fund could realize upon their sale. To enable the Fund to sell its holdings of a restricted security not registered
under the 1933 Act, the Fund may have to cause those securities to be registered. The expenses of registering restricted securities may
be negotiated by the Fund with the issuer at the time the Fund buys the securities. When the Fund must arrange registration because the
Fund wishes to sell the security, a considerable period may elapse between the time the decision is made to sell the security and the
time the security is registered so that the Fund could sell it. The Fund would bear the risks of any downward price fluctuation during
that period.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Risk
of Market Price Discount from Net Asset Value. </B></FONT>Shares of closed-end investment companies frequently trade at a discount from
their NAV. This risk is separate and distinct from the risk that NAV could decrease as a result of investment activities and may be greater
for investors expecting to sell their common shares in a relatively short period following completion of this offering. The Fund cannot
predict whether its common shares will trade at, above, or below NAV. NAV will be reduced immediately following the offering by the sales
load and the amount of organizational and offering expenses paid by the Fund.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Smaller
Company Risk. </B></FONT>The Fund may invest from time to time in smaller companies whose securities tend to be more volatile and less
liquid than securities of larger companies. There may be less trading in a smaller company&rsquo;s stock, which means that buy and sell
transactions in that stock could have a larger impact on the stock&rsquo;s price than is the case with larger company stocks. Smaller
companies also may have fewer lines of business so that changes in any one line of business may have a greater impact on a smaller company&rsquo;s
stock price than is the case for a larger company. Further, smaller company stocks may perform in different cycles than larger company
stocks. Accordingly, shares of these companies can be more volatile than, and at times will perform differently from, larger, more established
companies&rsquo; stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Short
Sales Risk.</B></FONT> The Fund may sell securities short as part of its overall portfolio management strategies involving the use of
derivative instruments and to offset potential declines in long positions in similar securities. A short sale is a transaction in which
the Fund sells a security it does not own or have the right to acquire, or that it owns but does not wish to deliver, in anticipation
that the market price of that security will decline. A short sale is &ldquo;against the box&rdquo; to the extent the Fund contemporaneously
owns, or has the right to obtain at no added cost, securities identical to those sold short. All other short sales are commonly referred
to as &ldquo;naked&rdquo; short sales.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">When the Fund makes a short sale, the broker-dealer
through which the short sale is made must borrow the security sold short and deliver it to the party purchasing the security. The Fund
is required to make a margin deposit in connection with such short sales; the Fund may have to pay a fee to borrow particular securities
and will often be obligated to pay over any dividends and accrued interest on borrowed securities. If the price of the security sold
short increases between the time of the short sale and the time the Fund covers its short position, the Fund will incur a loss; conversely,
if the price declines, the Fund will realize a capital gain. Any gain will be decreased, and any loss increased, by the transaction costs
described above. The successful use of short selling may be adversely affected by imperfect correlation between movements in the price
of the security sold short and the securities being hedged.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">If the Fund sells securities short against the
box, it may protect unrealized gains, but will lose the opportunity to profit on such securities if the price rises. If the Fund engages
in naked short sales, the Fund&rsquo;s risk of loss could be as much as the maximum attainable price of the security (which could be
limitless) less the price paid by the Fund for the security at the time it was borrowed.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Tax
Risk. </B></FONT>The Fund&rsquo;s investment program and the tax treatment of the Fund&rsquo;s distributions may be affected by IRS interpretations
of the Code and future changes in U.S. federal tax laws and Treasury Regulations.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Rules&nbsp;governing the U.S. federal income
tax aspects of certain derivatives, swap agreements, including credit default swaps and other credit derivatives are in a developing
stage and are not entirely clear in certain respects. Accordingly, while the Fund intends to account for such transactions in a manner
it deems to be appropriate, the IRS might not accept such treatment. If it did not, the status of the Fund as a regulated investment
company might be affected. If the Fund were to fail to qualify as a regulated investment company in any year, then the Fund would be
subject to federal income tax on its net income and capital gains at regular corporate income tax rates.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The Fund intends to monitor developments in this
area. Certain requirements that must be met under the Code in order for the Fund to qualify as a regulated investment company may limit
the extent to which the Fund will be able to engage in certain transactions involving derivatives.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The tax treatment of swap agreements and other
derivatives may also be affected by future Treasury Regulations and/or guidance issued by the IRS that could affect the character and/or
the amount of the Fund&rsquo;s taxable income or gains. In such an event the amount of the Fund&rsquo;s taxable distributions may either
increase or decrease.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">In addition, the Fund may invest in preferred
securities or other securities the federal income tax treatment of which may not be clear or may be subject to recharacterization by
the IRS. It could be more difficult for the Fund to comply with the tax requirements applicable to regulated investment companies if
the tax characterization of the Fund&rsquo;s investments or the tax treatment of the income from such investments were successfully challenged
by the IRS. See &ldquo;Taxation.&rdquo;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The Fund may invest in the stock of foreign corporations
that may be classified under the Code as passive foreign investment companies (&ldquo;PFICs&rdquo;). The application of the rules&nbsp;relating
to the taxation of investments in PFICs may affect, among other things, the character of gains and the amount of gain or loss and the
timing of the recognition of income with respect to shares and may also affect the amounts that must be distributed to shareholders.
Further, in some cases the Fund itself may be subject to tax as a result of investments in PFICs. The amount of distributions that would
be taxed to shareholders as ordinary income may be increased substantially as compared to a fund that did not invest in PFICs.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Under the Code certain gains or losses attributable
to fluctuations in foreign currency exchange rates generally are treated as ordinary income or ordinary loss that may increase or decrease
the amount of the Fund&rsquo;s net investment income to be distributed to its shareholders as ordinary income.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>U.S.
Government Securities Risk. </B></FONT>U.S. government securities generally do not involve the credit risks associated with investments
in other types of debt securities, although, as a result, the yields available from U.S. government securities are generally lower than
the yields available from corporate fixed-income securities. Like other debt securities, however, the values of U.S. government securities
change as interest rates fluctuate. Fluctuations in the value of portfolio securities will not affect interest income on existing portfolio
securities but will be reflected in the Fund&rsquo;s NAV. Since the magnitude of these fluctuations will generally be greater at times
when the Fund&rsquo;s average maturity is longer, under certain market conditions the Fund may, for temporary defensive purposes, accept
lower current income from short-term investments rather than investing in higher yielding long-term securities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><A NAME="MANAGEMENTOFTHEFUND"></A><B>MANAGEMENT OF THE FUND</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Board of Directors</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The management of the Fund, including general supervision of the duties
performed by the Investment Adviser under the Investment Advisory Agreement (as described below), is the responsibility of the Fund&rsquo;s
Board of Directors. For certain information regarding the Directors and Officers of the Fund, see &ldquo;Management &mdash; Directors
and Officers&rdquo; in the SAI.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Investment Adviser and Subadvisers</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="text-indent: 0.25in; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><I>Adviser</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Virtus Investment Advisers,&nbsp;Inc. serves as the Fund&rsquo;s investment
adviser. VIA is located at One Financial Plaza, Hartford, CT 06103, and is an indirect, wholly-owned subsidiary of Virtus, a publicly
traded multi-manager asset management business. VIA has been an investment adviser for over 80 years and acts as the investment adviser
for over 50 mutual funds and as adviser to institutional clients, with assets under management of approximately $71.8&nbsp;billion as
of December&nbsp;31, 2021. VIA is responsible for managing the Fund&rsquo;s investment program and for the general operations of the
Fund, including oversight of the Fund&rsquo;s Subadvisers and recommending their hiring, termination and replacement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">As compensation for its services to the Fund, VIA receives a fee at
an annual rate of 0.70% of the Fund&rsquo;s average daily Managed Assets, which is calculated daily and paid monthly. &ldquo;Managed
Assets&rdquo; is defined as the value of the total assets of the Fund minus the sum of all accrued liabilities of the Fund (other than
the aggregate amount of any outstanding borrowings or other indebtedness, entered into for the purpose of leverage). For the fiscal years
ended November&nbsp;30, 2021, 2020 and 2019, the Fund incurred investment advisory fees of $4,221,000, $4,201,000 and $2,777,000, respectively.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"><I>Subadvisers</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Duff&nbsp;&amp; Phelps Investment Management Co., an affiliate of
VIA and an indirect, wholly-owned subsidiary of Virtus, is the subadviser for the equity portfolio of the Fund. DPIM is located at 200
S. Wacker Drive, Suite&nbsp;500, Chicago,&nbsp;IL 60606. DPIM acts as subadviser to mutual funds and as adviser or subadviser to closed-end
mutual funds and to institutional clients. DPIM (together with its predecessor) has been in the investment advisory business for more
than 70 years. As of December&nbsp;31, 2021, DPIM had approximately $12.2 billion in assets under management on a discretionary basis.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Newfleet Asset Management, LLC, also an affiliate of VIA and an indirect,
wholly-owned subsidiary of Virtus, is the subadviser for the fixed income portfolio of the Fund. Newfleet is located at One Financial
Plaza, Hartford, CT 06103. Newfleet acts as subadviser to mutual funds and as adviser to institutions and individuals. As of December&nbsp;31,
2021, Newfleet had approximately $9.9 billion in assets under management. Newfleet has been an investment adviser since 1989.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">From the investment advisory fees paid to VIA, VIA paid the subadvisory
fees to the Subadvisers at the rate of 50% of the net investment management fee based on the average daily Managed Assets managed by
the Subadviser. For their services with respect to the Fund for fiscal years ended November&nbsp;30, 2021, 2020 and 2019, the Subadvisers
received fees of $1,625,243, $2,648,445, and $2,152,505, respectively.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Board of Directors, including a majority of the disinterested
Directors, has the responsibility under the 1940 Act to approve the continuance of the Investment Advisory Agreement and the Subadvisory
Agreements. A discussion regarding the basis for the approval of this continuance is contained in the Fund&rsquo;s November&nbsp;30,
2021 Annual Report to Shareholders.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Portfolio Managers</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Each Fund is managed by a team of portfolio managers from the Subadvisers.
Biographical information regarding each Subadviser&rsquo;s portfolio manager is set forth below:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>DPIM</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Connie M. Luecke, CFA</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Ms.&nbsp;Luecke has been a Senior Managing Director since 2014 and
Senior Vice President of DPIM since January&nbsp;1998. She has been a portfolio manager for the Fund since 2011. Currently, she is Senior
Portfolio Manager for the firm&rsquo;s Global Listed Infrastructure Strategies, and is a Co-Portfolio Manager for the Virtus Duff&nbsp;&amp;
Phelps Global Infrastructure Fund and the Chief Investment Officer for the DNP Select Income Fund Inc. She was a Managing Director of
DPIM from 1996-1998. From 1992-1995, Ms.&nbsp;Luecke was employed by Duff&nbsp;&amp; Phelps Investment Research Co., where she served
as a Managing Director (1995), a Vice President (1994), an Assistant Vice President (1993) and an Analyst (1992). Ms.&nbsp;Luecke concentrates
her research on the global telecommunications and transportation infrastructure industries. She is a Chartered Financial Analyst (CFA)
charter holder, a member of the CFA Society of Chicago, and a past president of the Utility and Telecommunications Securities Club of
Chicago. She has been working in the investment industry since 1983.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Newfleet</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>David L. Albrycht, CFA</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">David Albrycht is president and chief investment officer of Newfleet.
Prior to joining Newfleet in 2011, Mr.&nbsp;Albrycht was executive managing director and senior portfolio manager with Goodwin Capital
Advisers, a former Virtus Investment Partners investment management subsidiary. He joined the Goodwin multi-sector fixed income team
in 1985 as a credit analyst and has managed fixed income portfolios since 1991. He holds the Chartered Financial Analyst designation
and has been working in the investment industry since 1985.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Mr.&nbsp;Albrycht has been a portfolio manager of the Fund and its
predecessor since 2016, Virtus Newfleet Multi-Sector Short Term Bond Fund since 1993, Virtus Newfleet Multi-Sector Intermediate Bond
Fund since 1994, Virtus Newfleet Senior Floating Rate Fund since 2008, and&nbsp;co-manager&nbsp;of Virtus Tactical Allocation Fund and
Virtus Newfleet High Yield Fund since 2011, Virtus Newfleet Core Plus Bond Fund and Virtus Newfleet Low Duration Income Fund since 2012.
He also&nbsp;co-manages&nbsp;two variable investment options and is manager of another&nbsp;closed-end&nbsp;fund, Virtus Global Multi-Sector
Income Fund (NYSE: VGI). He also is a manager of three exchange-traded funds, AdvisorShares Newfleet Multi-Sector Income ETF (NYSE: MINC),
Virtus Newfleet Multi-Sector Bond ETF (NFLT), and Virtus Newfleet High Yield Bond ETF (BLHY), and two offshore funds, the Virtus GF Multi-Sector
Short Duration Bond Fund and Virtus GF Multi-Sector Income Fund. He is also responsible for the structuring and management of Newfleet&rsquo;s
CLO platform.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The SAI provides additional information about the Portfolio Managers&rsquo;
compensation, other accounts managed by the Portfolio Managers, and the Portfolio Managers&rsquo; ownership of securities of the Fund.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Investment Advisory Agreement</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Investment Advisory Agreement sets forth the services to be provided
by and the fees to be paid to each party, as described above. The Investment Advisory Agreement provides that the Investment Adviser&rsquo;s
liability to the Fund and its shareholders is limited to situations involving its own willful misfeasance, bad faith or gross negligence
in the performance of its duties or by reason of its reckless disregard of its duties and obligations under the Investment Advisory Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The services of the Investment Adviser to the Fund are not deemed
to be exclusive, and the Investment Adviser or any affiliate thereof may provide similar services to other investment companies and other
clients or engage in other activities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Investment Advisory Agreement obligates the Investment Adviser
to provide advisory services and to pay all expenses arising from the performance of its obligations under the Investment Advisory Agreement,
as well as the fees of all Directors of the Fund who are employees of the Investment Adviser or any of its affiliates. The Fund pays
all other expenses incurred in the operation of the Fund including, but not limited to, interest, taxes, brokerage fees and commissions,
fees of Directors who are not full-time employees of the Investment Adviser or any of its affiliates, expenses of Board, committee, and
shareholders&rsquo; meetings (including the cost of printing and mailing proxies), expenses of Investment Adviser personnel attending
Board meetings as required, expenses of insurance premiums for fidelity and other coverage, expenses of repurchase and redemption of
shares, expenses of issue and sale of shares (to the extent not borne by its underwriter(s)&nbsp;pursuant to an agreement with the Fund),
expenses of printing and mailing stock certificates representing shares of the Fund, association membership dues, charges of custodians,
transfer agents, dividend disbursing agents and financial agents, bookkeeping, auditing and legal expenses. The Fund will also pay the
fees and bear the expense of registering and maintaining the registration of the Fund and its shares with the Commission, listing its
shares on any exchange, and registering or qualifying its shares under state or other securities laws and the expense of preparing and
mailing prospectuses and reports to shareholders. Additionally, if authorized by the Board, the Fund shall pay for extraordinary expenses
and expenses of a non-recurring nature which may include, but shall not be limited to, the reasonable and proportionate cost of any reorganization
or acquisition of assets and the cost of legal proceedings to which the Fund is a party.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Investment Advisory Agreement will remain in effect from year
to year if approved annually (i)&nbsp;by the Board of Directors of the Fund or by the holders of a majority of the Fund&rsquo;s outstanding
voting securities, and (ii)&nbsp;by a majority of the Directors who are not parties to the Investment Advisory Agreement or interested
persons of any such party. The Investment Advisory Agreement terminates on its assignment by either party, and may be terminated without
penalty on not more than 60 days&rsquo; prior written notice at the option of either party thereto, or by the affirmative vote of the
majority of the outstanding voting securities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Fund has agreed that, in the event the Investment Advisory Agreement
is terminated or at the request of the Investment Adviser, the Fund will eliminate any and all reference to &ldquo;Virtus&rdquo; from
its name, and will not thereafter transact business in a name using the word &ldquo;Virtus&rdquo; in any form or combination whatsoever,
or otherwise use the word &ldquo;Virtus&rdquo; as a part of its name. The Fund will thereafter in all prospectuses, advertising materials,
letterheads, and other material designed to be read by investors or prospective investors delete from the name the word &ldquo;Virtus&rdquo;
or any approximation thereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Subadvisory Agreement</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Subadvisory Agreements set forth the services to be provided by
and the fees to be paid to each Subadviser. Pursuant to the Subadvisory Agreements, DPIM and Newfleet provide investment advice with
respect to their relevant portion of the Fund&rsquo;s assets, as determined by VIA. DPIM manages the equity portion of the Fund&rsquo;s
portfolio and Newfleet manages the fixed income portion of the Fund&rsquo;s portfolio.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">For services provided by the Subadvisers to the Fund under the Subadvisory
Agreements, the Investment Adviser pays the Subadvisers at the rate of 50% of the net investment management fee received by the Investment
Adviser from the Fund, based on the average daily Managed Assets managed by the Subadviser, payable monthly in arrears.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Each Subadvisory Agreement will remain in effect from year to year
if it has been approved annually (i)&nbsp;by the Board of Directors of the Fund, and (ii)&nbsp;by a majority of the Directors who are
not parties to the Subadvisory Agreement or interested persons of any such party. The Subadvisory Agreement terminates on its assignment
by either party, and may be terminated without penalty on not more than 60 days&rsquo; prior written notice at the option of the Fund&rsquo;s
Board of Directors, or by the affirmative vote of a majority of the Fund&rsquo;s outstanding voting securities. In addition, either the
Investment Adviser or the Subadviser has the right not to renew the Subadvisory Agreement by giving 60 days&rsquo; prior written notice
to the other party.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Administrator</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Virtus Fund Services, LLC (&ldquo;VFS&rdquo;), an indirect wholly-owned
subsidiary of Virtus and an affiliate of VIA, serves as administrator to the Fund. As the Fund&rsquo;s administrator, VFS generally assists
in the administration of the Fund&rsquo;s day to day corporate affairs, subject to the overall authority of the Fund&rsquo;s Board of
Directors</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Fund pays the administrator an asset-based fee of 0.10% per annum
calculated on average daily Managed Assets, which is calculated daily and paid monthly. For the fiscal years ended November&nbsp;30,
2021, 2020 and 2019, the Fund incurred administrative fees (net of any applicable waivers) of $603,000, $600,000 and $331,000, respectively.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><A NAME="DISTRIBUTIONS"></A><B>DISTRIBUTIONS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Distributions are recorded by the Fund on the ex-dividend date. Income
and capital gain distributions are determined in accordance with income tax regulations which may differ from U.S. GAAP.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Fund has a Managed Distribution Plan which currently provides
for the Fund to make a monthly distribution of $0.08 per share. Distributions may represent earnings from net investment income, realized
capital gains, or, if necessary, return of capital. Shareholders should not draw any conclusions about the Fund&rsquo;s investment performance
from the terms of the Fund&rsquo;s Managed Distribution Plan.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Fund had capital loss carryovers in the amount of $6,220,000 as
of November&nbsp;30, 2021. Under current tax law, foreign currency and capital losses realized after October&nbsp;31 may be deferred
and treated as occurring on the first day of the following fiscal year. For the fiscal year ended November&nbsp;30, 2021, the Fund deferred
$379,000 of post-October&nbsp;foreign currency and capital losses. The Fund had total 2021 distributions of $45.7 million of which $11.3
million was ordinary income and $34.4 million was deemed return of capital.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Capital loss carryovers will reduce or, possibly, eliminate the Fund&rsquo;s
taxable capital gains in the year(s)&nbsp;to which such losses are carried, but will not reduce the Fund&rsquo;s current earnings and
profits in such year(s). Consequently, a greater portion of the Fund&rsquo;s dividend distributions in the year(s)&nbsp;to which the
Fund carries and applies its capital loss carryovers may be taxable to shareholders as ordinary income dividends than would be the case
if the Fund did not have capital loss carryovers. Moreover, to the extent that such ordinary income dividends are paid out of capital
gains or other non-dividend income of the Fund, they might not qualify for the 15% preferential tax rate.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Fund also might make distributions to shareholders that exceed
the Fund&rsquo;s current earnings and profits. In that event, because the Fund does not have positive accumulated earnings and profits,
the excess distributions will be a non-taxable return of capital to a shareholder to the extent the distributions do not exceed the shareholder&rsquo;s
tax basis in its Fund shares. A return of capital may occur, for example, when some or all of the money that a shareholder invested in
the Fund is paid back to a shareholder. Such a non-taxable return of capital distributions will reduce the shareholder&rsquo;s tax basis
in his or her Fund shares, thereby increasing the shareholder&rsquo;s potential tax liability on a subsequent sale of his or her shares.
Pursuant to the requirements of the 1940 Act and other applicable laws, a notice will accompany each monthly distribution with respect
to the estimated source of the distribution made. A return of capital distribution does not necessarily reflect the Fund&rsquo;s investment
performance and should not be confused with &ldquo;yield&rdquo; or &ldquo;income.&rdquo;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">In the event the Fund distributes amounts in excess of its net investment
income and net realized capital gains, such distributions will decrease the Fund&rsquo;s total assets and, therefore, have the likely
effect of increasing the Fund&rsquo;s expense ratio. In addition, in order to make such distributions, the Fund may have to sell a portion
of its investment portfolio at a time when independent investment judgment might not dictate such action.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The amounts and sources of distributions reported in Section&nbsp;19(a)&nbsp;notices
under the 1940 Act are only estimates and are not provided for tax reporting purposes. The actual amounts and sources of the amounts
for tax reporting purposes will depend upon the Fund&rsquo;s investment experience during its entire fiscal year and may be subject to
changes based on tax regulations. The Fund will send shareholders a Form&nbsp;1099-DIV for the calendar year that will tell shareholders
how to report distributions for federal income tax purposes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Shares purchased pursuant to the Offer will be issued after the record
date for the monthly distribution declared in [________], 2022, and, accordingly, the Fund will not pay a monthly distribution with respect
to such Shares until the distribution to be declared and paid in the next month.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><A NAME="AUTOMATICREINVESTMENTANDCASHPURCHASEPLAN"></A><B>AUTOMATIC REINVESTMENT AND CASH PURCHASE PLAN</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">It is the policy of the Fund to automatically reinvest distributions
payable to shareholders. A &ldquo;registered&rdquo; shareholder automatically becomes a participant in the Fund&rsquo;s Automatic Reinvestment
and Cash Purchase Plan (the &ldquo;Plan&rdquo;). The Plan authorizes the Fund to credit all shares of common stock to participants upon
a distribution regardless of whether the shares are trading at a discount or premium to the net asset value. Registered shareholders
may terminate their participation and receive distributions in cash by contacting Computershare Trust Company, N.A. (the &ldquo;Plan
Administrator&rdquo;). The termination will become effective with the next distribution if the Plan Administrator is notified at least
7 business days prior to the distribution payment date. Registered shareholders that wish to change their distribution option from cash
payment to reinvest may do so by contacting the Fund at 1-866-270-7788. In the case of banks, brokers, or other nominees which hold shares
for the beneficial owner, the Plan Administrator will administer the Plan based on the information provided by the bank, broker or nominee.
Shareholders whose common shares are held in the name of a bank, a broker or nominee should contact the bank, broker or nominee to ensure
that their account is properly represented. If necessary, shareholders may have their shares taken out of the name of the broker, bank
or nominee and register them in their own name.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">When a distribution is declared, nonparticipants in the plan will
receive cash. Participants in the Plan will receive shares of the Fund valued as described below:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">If on the payable date of the distribution, the market price of the
Fund&rsquo;s common stock is less than the net asset value, the Plan Administrator will buy Fund shares on behalf of the Participant
in the open market, on the New York Stock Exchange or elsewhere. The price per share will be equal to the weighted average price of all
shares purchased, including commissions. Commission rates are currently $0.02 per share, although the rate is subject to change and may
vary. If, following the commencement of purchases and before the Plan Administrator has completed its purchases, the trading price equals
or exceeds the most recent net asset value of the common shares, the Plan Administrator may cease purchasing shares on the open market
and the Fund may issue the remaining shares at a price equal to the greater of (a)&nbsp;the net asset value on the last day the Plan
Administrator purchased shares or (b)&nbsp;95% of the market price on such day. In the case where the Plan Administrator has terminated
open market purchase and the Fund has issued the remaining shares, the number of shares received by the Participant in respect of the
cash distribution will be based on the weighted average of prices paid for shares purchased in the open market and the price at which
the Fund issued the remaining shares. Under certain circumstances, the rules&nbsp;and regulations of the Commission may require limitation
or temporary suspension of market purchases of shares under the Plan. The Plan Administrator will not be accountable for its inability
to make a purchase during such a period.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">If on the payable date of the distribution, the market price is equal
to or exceeds the net asset value, Participants will be issued new shares by the Fund at the greater of the (a)&nbsp;the net asset value
on the payable date or (b)&nbsp;95% of the market price on such date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The automatic reinvestment of distributions will not relieve Participants
of any income tax which may be payable on such distributions. A Participant in the Plan will be treated for federal income tax purposes,
as having received on a payment date, a distribution in an amount equal to the cash the participant could have received instead of shares.
Participants in the Plan will receive a Form&nbsp;1099-DIV concerning the Federal tax status of distributions paid during the year.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Participants in the Plan will not pay any charge to have their distributions
reinvested in additional shares. The Plan Administrator&rsquo;s fees for handling the reinvestment of distributions will be paid by the
Fund. There will be no brokerage commissions for shares issued directly by the Fund in payment of distributions. However, each Participant
will pay a pro rata share of brokerage commissions incurred (currently $0.02 per share, but may vary and is subject to change) with respect
to the Plan Administrator&rsquo;s open market purchases in connection with the reinvestment of distributions.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Participants in the Plan have the option of making additional cash
payments for investment in shares of the Fund. Such payments can be made in any amount from $100 per payment to $3,000 per month. The
Plan Administrator will use the funds received to purchase Fund shares in the open market on the 15th of each month or the next business
day if the 15th falls on a weekend or holiday (the &ldquo;Investment Date&rdquo;). The purchase price per share will be equal to the
weighted average price of all shares purchased on the Investment Date, including commissions. There is no charge to shareholders for
Cash Purchases. The Plan Administrator&rsquo;s fee will be paid by the Fund. However, each participating shareholder will pay a pro rata
share of brokerage commissions incurred (currently $0.02 per share, but may vary and is subject to change) with respect to the Plan Administrator&rsquo;s
open market purchases in connection with all cash investments. Voluntary cash payments should be sent to Computershare, P.O.&nbsp;Box
6006, Carol Stream,&nbsp;IL 60197-6006.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Participants have an unconditional right to obtain the return of any
cash payment if the Plan Administrator receives written notice at least 5 business days before such payment is to be invested.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Participants in the Plan may purchase additional shares by means of
an Automatic Monthly Investment of not less than $100 nor more than $3,000 per month by electronic funds transfer from a predesignated
U.S bank account. If a Participant has already established a Plan account and wishes to initiate Automatic Monthly Investments, the Participant
must complete and sign an automatic monthly investment form and return it to the Plan Administrator together with a voided check or deposit
slip for the account from which funds are to be withdrawn. Automatic monthly investment forms may be obtained from the Fund by calling
1-866-270-7788.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Shareholders wishing to liquidate shares held with the Plan Administrator
must do so in writing or by calling 1-866-270-7788. The Plan Administrator does not charge a fee for liquidating such shares; however,
a brokerage commission of $0.02 will be charged. This charge may vary and is subject to change. Once terminated, shareholders may re-enroll
in the Plan (provided there are still shares registered in the same name) by contacting the Fund at 1-866-270-7788.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">For more information regarding the Automatic Reinvestment and Cash
Purchase Plan, please contact the Fund at 1-866-270-7788 or visit Virtus.com. The Fund reserves the right to amend or terminate the Plan
as applied to any voluntary cash payments made and any dividend or distribution paid subsequent to written notice of the change sent
to the members of the Plan at least 90 days before the record date for such distribution. The Plan also may be amended or terminated
by the Plan Administrator with at least 90 days&rsquo; written notice to participants in the Plan.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><A NAME="DESCRIPTIONOFCOMMONSTOCK"></A><B>DESCRIPTION OF COMMON STOCK</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The authorized capital stock of the Fund consists of 500,000,000 shares
of Common Stock, par value $0.001 per share, of which _______ shares were outstanding as of [____], 2022. The Shares when issued will
be fully paid and nonassessable. All shares of Common Stock are equal as to dividends, assets and voting privileges and have no conversion,
preemptive or exchange rights. In the event of liquidation, each share of Common Stock is entitled to its proportion of the Fund&rsquo;s
assets after payment of debts and expenses. Shareholders are entitled to one vote per share and each fractional share is entitled to
a proportionate fractional vote. All voting rights for directors are non-cumulative, which means that the holders of more than 50% of
the shares of common stock can elect 100% of the directors if they choose to do so, and, in such event, the holders of the remaining
shares of common stock will not be able to elect any directors. The Fund&rsquo;s outstanding shares of Common Stock are, and the Shares
offered hereby will be, listed on the NYSE under the symbol &ldquo;ZTR.&rdquo;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Fund has no present intention of offering additional shares beyond
this Offer, except that additional shares may be issued under the Automatic Reinvestment and Cash Purchase Plan. See &ldquo;Automatic
Reinvestment and Cash Purchase Plan.&rdquo; Other offerings of its Common Stock, if made, will require approval of the Fund&rsquo;s Board
of Directors. Any additional offering will be subject to the requirements of the 1940 Act that shares may not be sold at a price below
the then current net asset value (exclusive of underwriting discounts and commissions) except in certain circumstances, including in
connection with an offering to existing shareholders or with the consent of a majority of the Fund&rsquo;s outstanding shareholders.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The following table provides information about the Common Stock as
of _______, 2022:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif; width: 52%">Title of Class</TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; width: 1%; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif; width: 15%; text-align: center">Amount<BR> Authorized</TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; width: 1%; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif; width: 15%; text-align: center">Amount&nbsp;Held<BR> by the Fund<BR> or for its<BR> Account</TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; width: 1%; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif; width: 15%; text-align: center">Amount<BR> Outstanding</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; text-align: left; text-indent: -12pt; padding-left: 12pt">Common Stock</TD><TD STYLE="vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; text-align: center">500,000,000<BR> Shares</TD><TD STYLE="vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; text-align: center">None</TD><TD STYLE="vertical-align: bottom; font-size: 10pt; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; font-size: 10pt; text-align: center"><U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U><BR>
    Shares</TD></TR>
  </TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Repurchase of Shares; Tender Offers</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Fund is authorized to repurchase its shares on the open
market when the shares are trading at a discount from net asset value, and the Fund may incur debt to refinance share repurchase
transactions. Between April 2012 through December 2015, the Fund repurchased 4,230,853 shares at an aggregate cost to the fund of
$55.6 million. In addition, pursuant to the 1940 Act, the Fund retains the right to repurchase its shares under other circumstances
on a securities exchange or such other open market designated by the Commission (provided that the Fund has informed shareholders
within the preceding six months of its intention to repurchase such shares) by a tender offer open to all the Fund&rsquo;s
shareholders, or as otherwise permitted by the Commission. When a repurchase of Fund shares is to be made that is not to be effected
on a securities exchange or such an open market or by the making of a tender offer, the 1940 Act provides that certain conditions
must be met regarding, among other things, distribution of net income, identity of the seller, price paid, brokerage commissions,
prior notice to shareholders of an intention to purchase shares and purchasing in a manner on a basis which does not discriminate
unfairly against the other shareholders indirectly through their interest in the Fund. The Fund may incur debt to finance share
repurchase transactions (see &ldquo;Investment Restrictions&rdquo; in the SAI).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">When the Fund repurchases its shares for a price below their net asset
value, the net asset value of the shares that remain outstanding will be enhanced, but this does not necessarily mean that the market
price of those outstanding shares will be affected, either positively or negatively. The Fund has not repurchased any shares of its Common
Stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Since the Fund&rsquo;s inception in 1988, the Board of Directors has
maintained a policy pursuant to which the Board of Directors considers the making of tender offers of the Fund during periods when the
Fund&rsquo;s shares are trading at a discount from net asset value. The Board may at any time, however, decide that the Fund should not
make tender offers. The net asset value at which shares may be tendered will be established at the close of business on the last day
the tender offer is open. Since the Fund&rsquo;s inception, the Fund made a tender offer for 1,283,635.68 shares of its Common Stock
in June&nbsp;2017, for 1,351,195.45 shares in December&nbsp;2016, and for 4,768,925.10 shares in May&nbsp;2016.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Any acquisition of shares by the Fund (whether through a share repurchase
or a tender offer) will decrease the total assets of the Fund and therefore have the effect of increasing the Fund&rsquo;s expense ratio.
Furthermore, if the Fund borrows to finance share repurchases or tender offers, interest on such borrowings will reduce the Fund&rsquo;s
net investment income. If the Fund must liquidate a portion of its investment portfolio in connection with a share repurchase or tender
offer, such liquidation might be at a time when independent investment judgment might not dictate such action and, accordingly, may increase
the Fund&rsquo;s portfolio turnover and make it more difficult for the Fund to achieve its investment objective.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Each person tendering shares will pay to the Fund a reasonable service
charge to help defray certain costs, including the processing of tender forms, effecting payment, postage and handling. Any such service
charge will be paid directly by the tendering shareholder and will not be deducted from the proceeds of the purchase. The Fund&rsquo;s
transfer agent will receive the fee as an offset to these costs. The Fund expects the cost to the Fund of effecting a tender offer will
exceed the aggregate of all service charges received from those who tender their shares. Costs associated with the tender will be charged
against capital. During the pendency of any tender offer, shareholders may ascertain the net asset value of the Fund&rsquo;s shares by
calling a telephone number as provided in any tender offer materials.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Articles of Incorporation Amendment</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Fund&rsquo;s Articles of Incorporation were amended on June&nbsp;2,
2010 to provide that if during any fiscal quarter ending on or after June&nbsp;30, 2010, the Fund&rsquo;s shares trade, on the principal
securities exchange on which they are traded, at an average discount from net asset value of 10% or more (determined on the basis of
the discount as of the end of the last trading day in each week during such quarter), the Fund&rsquo;s Board of Directors, at its next
regularly scheduled meeting shall consider potential measures to seek to reduce the discount, and in its sole discretion may determine
if it would be appropriate to submit to the Fund&rsquo;s shareholders a proposal to convert the Fund to an open-end investment company
(a &ldquo;Conversion Proposal&rdquo;). If such Conversion Proposal was submitted, approval of such Conversion Proposal would require
the affirmative vote of a majority of the outstanding shares of the Fund entitled to vote thereon. Under the Fund&rsquo;s prior Articles
of Incorporation, the Fund submitted a mandatory Conversion Proposal to its shareholders in 2000, 2001, 2004, 2008 and 2009 because the
Fund&rsquo;s shares had traded at an average discount from net asset value of 10% or more during the quarter ended March&nbsp;31, 2000,
the quarter ended December&nbsp;31, 2000, the quarter ended December&nbsp;31, 2003, the quarter ended December&nbsp;31, 2008 and the
quarter ended June&nbsp;30, 2009, respectively. The Fund&rsquo;s shareholders did not approve a Conversion Proposal on any of those occasions.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">If the Fund converted to an open-end investment company, its shareholders
could require the company to redeem their shares at any time (except in certain circumstances as authorized by the 1940 Act) at the next
determined net asset value of such shares, less such redemption charges, if any, as might be in effect at the time of redemption, and
such redemption payment must be made within seven days. This may require changes in the Fund&rsquo;s portfolio management because such
redemption requests could require the Fund&rsquo;s liquidation of a portion of its investment portfolio at a time when independent investment
judgment might not dictate such action and, accordingly, may increase the Fund&rsquo;s portfolio turnover and make it more difficult
for the Fund to achieve its investment objective. In addition, if the Fund converted to an open-end investment company, its shares would
no longer be listed on any stock exchange, and certain of the Fund&rsquo;s expenses (including transfer agency and shareholder services
expenses) would be greater than those that would be incurred by a closed-end investment company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Special Voting Provisions</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Fund has provisions in its Articles of Incorporation and By-Laws
(collectively, the &ldquo;Charter Documents&rdquo;) that could have the effect of limiting the ability of other entities or persons to
acquire control of the Fund, to cause it to engage in certain transactions or to modify its structure. The Board of Directors is divided
into three classes. At the annual meeting of shareholders each year, the term of one class will expire and directors will be elected
to serve in that class for terms of three years. This provision could delay for up to two years the replacement of a majority of the
Board of Directors.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The maximum number of Directors (twelve) may be increased, or a Director
may be removed from office, only by the affirmative vote of the holders of at least 75% of the shares of the Fund entitled to be voted
for the election of Directors. In addition, the affirmative vote of the holders of 75% of the outstanding shares of the Fund is required
to authorize the conversion of the Fund from a closed-end to an open-end investment company (except pursuant to a Conversion Proposal
described above), to amend certain of the provisions of the Articles of Incorporation or generally to authorize any of the following
transactions:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">(i)&nbsp;merger or consolidation or statutory share exchange of the
Fund with or into any other corporation;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">(ii)&nbsp;a sale of all or substantially all of the Fund&rsquo;s assets
(other than in the regular course of the Fund&rsquo;s investment activities); or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">(iii)&nbsp;a liquidation or dissolution of the Fund,</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">unless such action has been approved, adopted or authorized by the
affirmative vote of two-thirds of the total number of Directors fixed in accordance with the By-Laws, in which case the affirmative vote
of a majority of the Fund&rsquo;s outstanding shares is required. Such 75% voting requirements described above, which are greater than
the minimum requirements under Maryland law or the 1940 Act, can only be changed by a similar 75% vote. Reference is made to the Charter
Documents of the Fund, on file with the Commission, for the full text of these provisions. See &ldquo;Further Information.&rdquo;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The provisions of the Charter Documents described above and the Fund&rsquo;s
right to repurchase or make a tender offer for shares of its common stock could have the effect of depriving the owners of shares of
opportunities to sell their shares at a premium over prevailing market prices by discouraging a third party from seeking to obtain control
of the Fund in a tender offer or similar transaction. See &ldquo;Repurchase of Shares&rdquo; and &ldquo;Tender Offers.&rdquo;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><A NAME="TAXATION"></A><B>TAXATION</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Federal Taxation of the Fund and its Distributions</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Fund has qualified and elected to be treated, and intends to continue
to qualify and be treated, as a regulated investment company under the Internal Revenue Code of 1986, as amended (the &ldquo;Code&rdquo;).
The Fund currently intends to distribute all or substantially all its investment company taxable income (all taxable income and net short-term
capital gains) and its net capital gain each year, thereby avoiding the imposition on the Fund of federal income and excise taxes on
such distributed income and gain. Such distributions from investment company taxable income, whether paid in cash or in shares, will
be taxable as ordinary income to shareholders of the Fund who are subject to tax, and the Fund&rsquo;s capital gain distributions, whether
paid in cash or in shares, will be taxable as capital gain to such shareholders. Distributions in excess of the Fund&rsquo;s earnings
and profits will first reduce the adjusted tax basis of a shareholder&rsquo;s shares and, after such adjusted tax basis is reduced to
zero will constitute capital gain to such shareholder (assuming such shares are held as a capital asset). For non-corporate U.S. shareholders,
the Fund&rsquo;s capital gains distributions and certain of its ordinary income distributions will be taxable at a maximum marginal federal
income tax rate of 20%. Shareholders that are not subject to tax on their income generally will not be required to pay tax on amounts
distributed to them. Notwithstanding the above, the Fund may decide to retain all or part of any net capital gain for reinvestment. After
the end of each taxable year, the Fund will notify shareholders of the federal income tax status of any distributions, or deemed distributions,
made by the Fund during such year. For a discussion of certain income tax consequences to shareholders of the Fund, see &ldquo;Taxation&rdquo;
in the SAI.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Federal Income Tax Consequences Relating to the Offer</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The following discussion describes certain United States federal income
tax consequences of the Offer generally applicable to citizens or residents of the United States and U.S. trusts, estates, corporations
and any other person who is generally subject to U.S. federal income tax (&ldquo;U.S. Shareholders&rdquo;). This summary is intended
to be descriptive only and does not purport to be a complete analysis or listing of all potential tax effects relevant to the ownership
of Rights or Common Stock. It assumes that each U.S. Shareholder holds Common Stock as a capital asset. Additionally, this summary does
not specifically address the U.S. federal income tax consequences that might be relevant to holders of Rights or Common Stock entitled
to special treatment under the U.S. federal income tax laws, such as individual retirement accounts and other tax deferred accounts,
financial institutions, life insurance companies and tax-exempt organizations, and does not discuss the effect of state, local and other
tax laws. Further, this summary is based on interpretations of existing law as of the date of this Prospectus as contained in the Code,
applicable current and proposed Treasury Regulations, judicial decisions and published administrative positions of the Internal Revenue
Service, all of which are subject to change either prospectively or retroactively.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">U.S. Shareholders who receive Rights pursuant to the Offer should
not recognize taxable income for U.S. federal income tax purposes upon their receipt of the Rights. If Rights issued to a U.S. Shareholder
expire without being sold or exercised, no basis should be allocated to such Rights, and such Shareholder should not recognize any gain
or loss for U.S. federal income tax purposes upon such expiration.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The tax basis of a U.S. Shareholder&rsquo;s Common Stock should remain
unchanged and the shareholder&rsquo;s basis in the Rights should be zero, unless such U.S. Shareholder affirmatively and irrevocably
elects (in a statement attached to such shareholder&rsquo;s U.S. federal income tax return for the year in which the Rights are received)
to allocate the basis in the Common Stock between such Common Stock and the Rights in proportion to their respective fair market values
on the date of distribution.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">A U.S. Shareholder who exercises Rights should not recognize any gain
or loss for U.S. federal income tax purposes upon the exercise. The tax basis of the newly acquired Common Stock should equal the Subscription
Price paid for the Common Stock (plus the basis, if any, allocated to the Rights in the manner described in the immediately preceding
paragraph). The holding period for Common Stock acquired upon the exercise of Rights should begin on the date of exercise of the Rights.
See &ldquo;Taxation&rdquo; in the SAI.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Each U.S. Shareholder is urged to consult his or her own tax advisor
with respect to the specific federal, state and local tax consequences to such U.S. Shareholder of receiving Rights in this offer.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><A NAME="CUSTODIANDIVIDENDPAYINGAGENTTRANSFERAGENTANDREGISTRAR"></A><B>CUSTODIAN, DIVIDEND PAYING AGENT, TRANSFER
AGENT AND REGISTRAR</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Bank of New York Mellon, 240 Greenwich Street, New York, NY 10286,
serves as the Fund&rsquo;s custodian. Computershare Trust Company, N.A., P.O.&nbsp;Box 505005, Louisville, KY 40233-5005, serves as the
Fund&rsquo;s dividend paying agent, transfer agent and registrar.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><A NAME="EXPERTS"></A><B>EXPERTS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The financial statements of the Fund for the year ended November&nbsp;30,
2021 and the financial highlights included in this Prospectus, have been so included in reliance on the report of [_________], ____________,
an independent registered public accounting firm, given on the authority of said firm as experts in auditing and accounting.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><A NAME="LEGALMATTERS"></A><B>LEGAL MATTERS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The validity of the Shares under Maryland law will be passed on for
the Fund by Miles&nbsp;&amp; Stockbridge, Baltimore, Maryland. Certain other matters may be passed on for the Fund by Sullivan&nbsp;&amp;
Worcester LLP, Washington, DC, which serves as counsel to the Fund.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><A NAME="FURTHERINFORMATION"></A><B>FURTHER INFORMATION</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Further information concerning these securities and the Fund may be
found in the Registration Statement on file with the Commission, of which this Prospectus and the SAI incorporated by reference herein
constitute a part. Financial statements of the Fund for fiscal year ended November&nbsp;30, 2021 are included in the Fund&rsquo;s annual
report to shareholders for the year, copies of which are on file with and may be inspected at the Commission as indicated below.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Fund is subject to the informational requirements of the Securities
Exchange Act of 1934, as amended (the &ldquo;Exchange Act&rdquo;), and the 1940 Act, and in accordance therewith, is required to file
periodic reports, proxy statements and other information with the Commission relating to its business, financial condition and other
matters. Such information is available for inspection at the public reference facilities of the Commission at Room 1024, 100 F Street,
NE, Washington, DC 20549. Copies of such information are obtainable by mail, upon payment of the Commission&rsquo;s customary charges,
by writing to the Commission&rsquo;s principal office at 100 F Street, NE, Washington, DC 20549 at prescribed rates. The Commission maintains
a website (http://www.sec.gov) that contains periodic reports, proxy statements and other information regarding registrants that file
documents electronically with the Commission. Such reports and other information concerning the Fund may also be inspected at the offices
of the NYSE.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>TABLE OF CONTENTS</B></P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><B>OF</B></P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><B>STATEMENT OF ADDITIONAL INFORMATION</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt; width: 90%"><A HREF="#sp3_01"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">GENERAL
    INFORMATION AND HISTORY</FONT></A></TD>
    <TD STYLE="vertical-align: bottom; width: 3%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; width: 7%"><A HREF="#sp3_01"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2</FONT></A></TD></TR>
  <TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><A HREF="#sp3_02"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">INVESTMENT OBJECTIVE AND POLICIES</FONT></A></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><A HREF="#sp3_02"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2</FONT></A></TD></TR>
  <TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><A HREF="#sp3_03"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">INVESTMENT RESTRICTIONS</FONT></A></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><A HREF="#sp3_03"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">16</FONT></A></TD></TR>
  <TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><A HREF="#sp3_03"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">MANAGEMENT</FONT></A></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><A HREF="#sp3_03"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">17</FONT></A></TD></TR>
  <TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><A HREF="#sp3_05"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">INVESTMENT ADVISER AND SUBADVISERS</FONT></A></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><A HREF="#sp3_05"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">33</FONT></A></TD></TR>
  <TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><A HREF="#sp3_06"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">PORTFOLIO MANAGERS</FONT></A></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><A HREF="#sp3_06"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">33</FONT></A></TD></TR>
  <TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><A HREF="#sp3_07"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">EXPENSES</FONT></A></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><A HREF="#sp3_07"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">35</FONT></A></TD></TR>
  <TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><A HREF="#sp3_08"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">PORTFOLIO TRANSACTIONS AND BROKERAGE</FONT></A></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><A HREF="#sp3_08"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">35</FONT></A></TD></TR>
  <TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><A HREF="#sp3_09"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">NET ASSET VALUE</FONT></A></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><A HREF="#sp3_09"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">36</FONT></A></TD></TR>
  <TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><A HREF="#sp3_10"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">TAXATION</FONT></A></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><A HREF="#sp3_10"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">37</FONT></A></TD></TR>
  <TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><A HREF="#sp3_11"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">INDEPENDENT ACCOUNTANTS</FONT></A></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><A HREF="#sp3_11"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">40</FONT></A></TD></TR>
  <TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><A HREF="#sp3_12"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">PRINCIPAL SHAREHOLDERS</FONT></A></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><A HREF="#sp3_12"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">40</FONT></A></TD></TR>
  <TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><A HREF="#sp3_13"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">FINANCIAL STATEMENTS</FONT></A></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right"><A HREF="#sp3_13"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">40</FONT></A></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">No dealer, salesperson or any other person has been authorized to
give any information or to make any representations other than those contained in this Prospectus in connection with the offer made by
this Prospectus and, if given or made, such information or representations must not be relied upon as having been authorized by the Fund,
the Investment Adviser or the Subadvisers. This Prospectus does not constitute an offer to sell or a solicitation of any offer to buy
any security other than the Shares of Common Stock offered by this Prospectus, nor does it constitute an offer to sell or the solicitation
of any offer to buy the Shares of Common Stock by anyone in any jurisdiction in which such offer or solicitation is not authorized, or
in which the person making such offer or solicitation is not qualified to do so, or to any such person to whom it is unlawful to make
such offer or solicitation. Neither the delivery of this Prospectus nor any sale made hereunder shall, under any circumstances, create
any implication that the information contained herein is correct as of any time subsequent to the date hereof. However, if any material
change occurs while this Prospectus is required by law to be delivered, this Prospectus will be amended or supplemented accordingly.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt; width: 90%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Prospectus
    Summary</FONT></TD>
    <TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="text-align: right; white-space: nowrap; vertical-align: bottom; width: 7%">4</TD></TR>
  <TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Financial
    Highlights</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right; white-space: nowrap; vertical-align: bottom">13</TD></TR>
  <TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
    Offer</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right; white-space: nowrap; vertical-align: bottom">13</TD></TR>
  <TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Use
    of Proceeds</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right; white-space: nowrap; vertical-align: bottom">19</TD></TR>
  <TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
    Fund</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right; white-space: nowrap; vertical-align: bottom">20</TD></TR>
  <TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Market
    Price and Net Asset Value Information</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right; white-space: nowrap; vertical-align: bottom">20</TD></TR>
  <TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investment
    Objective and Policies</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right; white-space: nowrap; vertical-align: bottom">21</TD></TR>
  <TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Risk
    Factors and Special Considerations</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right; white-space: nowrap; vertical-align: bottom">25</TD></TR>
  <TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Management
    of the Fund</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right; white-space: nowrap; vertical-align: bottom">38</TD></TR>
  <TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Distributions</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right; white-space: nowrap; vertical-align: bottom">41</TD></TR>
  <TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Automatic
    Reinvestment and Cash Purchase Plan</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right; white-space: nowrap; vertical-align: bottom">42</TD></TR>
  <TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Description
    of Common Stock</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right; white-space: nowrap; vertical-align: bottom">44</TD></TR>
  <TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Taxation</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right; white-space: nowrap; vertical-align: bottom">46</TD></TR>
  <TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Custodian,
    Dividend Paying Agent, Transfer Agent and Registrar</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right; white-space: nowrap; vertical-align: bottom">47</TD></TR>
  <TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Experts</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right; white-space: nowrap; vertical-align: bottom">47</TD></TR>
  <TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Legal
    Matters</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right; white-space: nowrap; vertical-align: bottom">47</TD></TR>
  <TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Further
    Information</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right; white-space: nowrap; vertical-align: bottom">47</TD></TR>
  <TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Table
    of Contents of Statement of Additional Information</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right; white-space: nowrap; vertical-align: bottom">48</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>__________ Shares of Common Stock</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>VIRTUS TOTAL RETURN FUND INC.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Issuable Upon Exercise of</B></P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><B>Non-Transferable Rights to</B></P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><B>Subscribe for Such</B></P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><B>Shares of Common Stock</B></P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><B>PROSPECTUS</B></P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>, 2022</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<!-- Field: Split-Segment; Name: 3 -->
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>The information in the Statement of Additional Information is not
complete and may be changed. These securities may not be sold until the registration statement filed with the Securities and Exchange
Commission is effective. The Statement of Additional Information is not an offer to sell these securities and is not soliciting an offer
to buy these securities in any state where the offer is not permitted.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><I>Subject to Completion, Dated &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;,
2022</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>PART&nbsp;B</B></P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B>VIRTUS TOTAL RETURN FUND
INC.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B>101 Munson Street</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B>Greenfield, MA 01301-9668</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B>STATEMENT OF ADDITIONAL INFORMATION</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">This Statement of Additional Information (&ldquo;SAI&rdquo;) is not
a Prospectus and should be read in conjunction with the Fund&rsquo;s Prospectus, dated &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;,
2022 (the &ldquo;Prospectus&rdquo;). This SAI does not include all information that a shareholder should consider before purchasing shares
of the Fund and investors should obtain and read the Prospectus prior to purchasing shares. A copy of the Prospectus may be obtained without
charge by calling the Fund&rsquo;s Information Agent, Georgeson LLC. Banks and Brokers should call (___)&nbsp;________ collect and all
other shareholders should call (___) ________. You may also obtain a copy of the Prospectus on the Securities and Exchange Commission&rsquo;s
website (http://www.sec.gov). The address of the Fund is 101 Munson Street, Greenfield, MA 01301, and its telephone number is 866-270-7788.
This SAI incorporates by reference the entire Prospectus. Defined terms used herein shall have the same meanings as provided in the Prospectus.
The date of this SAI is &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;, 2022.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>TABLE OF CONTENTS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; width: 90%"><A HREF="#sp3_01"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">GENERAL
    INFORMATION AND HISTORY</FONT></A></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; width: 10%"><A HREF="#sp3_01"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2</FONT></A></TD>
    </TR>
  <TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top"><A HREF="#sp3_02"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">INVESTMENT
    OBJECTIVE AND POLICIES</FONT></A></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><A HREF="#sp3_02"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2</FONT></A></TD>
    </TR>
  <TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top"><A HREF="#sp3_03"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">INVESTMENT
    RESTRICTIONS</FONT></A></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><A HREF="#sp3_03"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">16</FONT></A></TD>
    </TR>
  <TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top"><A HREF="#sp3_04"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">MANAGEMENT</FONT></A></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><A HREF="#sp3_04"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">17</FONT></A></TD>
    </TR>
  <TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top"><A HREF="#sp3_05"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">INVESTMENT
    ADVISER AND SUBADVISERS</FONT></A></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><A HREF="#sp3_05"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">33</FONT></A></TD>
    </TR>
  <TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top"><A HREF="#sp3_06"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">PORTFOLIO
    MANAGERS</FONT></A></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><A HREF="#sp3_06"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">33</FONT></A></TD>
    </TR>
  <TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top"><A HREF="#sp3_07"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">EXPENSES</FONT></A></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><A HREF="#sp3_07"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">35</FONT></A></TD>
    </TR>
  <TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top"><A HREF="#sp3_08"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">PORTFOLIO
    TRANSACTIONS AND BROKERAGE</FONT></A></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><A HREF="#sp3_08"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">35</FONT></A></TD>
    </TR>
  <TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top"><A HREF="#sp3_09"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">NET
    ASSET VALUE</FONT></A></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><A HREF="#sp3_09"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">36</FONT></A></TD>
    </TR>
  <TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top"><A HREF="#sp3_10"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">TAXATION</FONT></A></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><A HREF="#sp3_10"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">37</FONT></A></TD>
    </TR>
  <TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top"><A HREF="#sp3_11"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">INDEPENDENT
    ACCOUNTANTS</FONT></A></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><A HREF="#sp3_11"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">40</FONT></A></TD>
    </TR>
  <TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top"><A HREF="#sp3_12"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">PRINCIPAL
    SHAREHOLDERS</FONT></A></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><A HREF="#sp3_12"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">40</FONT></A></TD>
    </TR>
  <TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top"><A HREF="#sp3_13"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">FINANCIAL
    STATEMENTS</FONT></A></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right"><A HREF="#sp3_13"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">40</FONT></A></TD>
    </TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><A NAME="sp3_01"></A>GENERAL INFORMATION AND HISTORY</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Virtus Total Return Fund Inc. (the &ldquo;Fund&rdquo;) is a diversified,
closed-end management investment company registered under the Investment Company Act of 1940, as amended (the &ldquo;1940 Act&rdquo;).
The Fund was incorporated under the laws of the State of Maryland on July&nbsp;21, 1988, and it commenced operations in September&nbsp;1988.
The Fund was known as The Zweig Total Return Fund,&nbsp;Inc. until it was renamed to Virtus Global Dividend and Income Fund Inc. effective
September&nbsp;26, 2016. Subsequently, effective November&nbsp;18, 2019, the former Virtus Total Return Fund Inc. (ZF) was reorganized
into the Fund and the Fund was renamed Virtus Total Return Fund Inc.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><A NAME="sp3_02"></A>INVESTMENT OBJECTIVE AND POLICIES</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Fund&rsquo;s investment objective is capital appreciation, with
current income a secondary objective. The Fund has a current target allocation of investing approximately 60% of its total assets in equity
securities and 40% in fixed income. VIA monitors the allocation to the Subadvisers on an ongoing basis, and may rebalance the Fund&rsquo;s assets periodically in its
discretion. The equity portion of the Fund invests globally in owners/operators of infrastructure in the communications,
utility, energy, and transportation industries. The fixed income portion of the Fund is designed to generate high current income and total
return through the application of active sector rotation, extensive credit research, and disciplined risk management designed to capitalize
on opportunities across undervalued areas of the fixed income markets.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Virtus Investment Advisers,&nbsp;Inc. (&ldquo;VIA&rdquo; or the &ldquo;Investment
Adviser&rdquo;) is an indirect, wholly-owned subsidiary of Virtus Investment Partners,&nbsp;Inc. (&ldquo;Virtus&rdquo;), a publicly traded
company. The Investment Adviser has provided investment advisory services to the Fund since August&nbsp;2016. Duff&nbsp;&amp; Phelps Investment
Management Co. (&ldquo;DPIM&rdquo;), an indirect, wholly-owned subsidiary of Virtus, is the subadviser of the equity portion of the Fund&rsquo;s
portfolio; and Newfleet Asset Management LLC (&ldquo;Newfleet&rdquo; and together with DPIM, the &ldquo;Subadvisers&rdquo;), an indirect,
wholly-owned subsidiary of Virtus, is the subadviser of the fixed income portion of the Fund&rsquo;s portfolio. While the Subadvisers
seek to reduce the risks associated with investing in debt and equity securities, such risks cannot be eliminated.. There is no assurance
that the Fund will achieve its investment objective. See &ldquo;Investment Objective and Policies&rdquo; in the Prospectus.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The following describes certain investment strategies in which the
Investment Adviser may engage, on behalf of the Fund, each of which may involve certain special risks. Except as otherwise provided, the
Fund&rsquo;s investment policies are not fundamental and may be changed by the Board without the approval of the shareholders.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Asset-Backed Securities and Residential Mortgage-Related Securities</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The Fund may invest in collateralized debt obligations
(&ldquo;CDOs&rdquo;), which include collateralized bond obligations (&ldquo;CBOs&rdquo;), collateralized loan obligations (&ldquo;CLOs&rdquo;)
and other similarly structured securities. CBOs and CLOs are types of asset-backed securities. A CBO is a trust which is backed by a diversified
pool of high risk, below investment grade fixed income securities. A CLO is a trust typically collateralized by a pool of loans, which
may include, among others, domestic and foreign senior secured loans, senior unsecured loans, and subordinate corporate loans, including
loans that may be rated below investment grade or equivalent unrated loans. The cash flows from CDOs are split into two or more portions,
called tranches, varying in risk and yield. The riskiest portion is the &ldquo;equity&rdquo; tranche which bears the bulk of defaults
from the bonds or loans in the trust and serves to protect the other, more senior tranches from default in all but the most severe circumstances.
The Fund may invest in both &ldquo;equity&rdquo; and senior tranches.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Mortgage-related securities include mortgage pass-through
securities, collateralized mortgage obligations (&ldquo;CMOs&rdquo;), CMBS, mortgage dollar rolls, CMO residuals, stripped mortgage-backed
securities and other securities that directly or indirectly represent a participation in, or are secured by and payable from, mortgage
loans on real property.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The value of some mortgage- or asset-backed securities
may be particularly sensitive to changes in prevailing interest rates. Early repayment of principal on some mortgage-related securities
may expose the Fund to a lower rate of return upon reinvestment of principal. When interest rates rise, the value of a mortgage-related
security generally will decline; however, when interest rates are declining, the value of mortgage-related securities with prepayment
features may not increase as much as other fixed income securities. The rate of prepayments on underlying mortgages will affect the price
and volatility of a mortgage-related security, and may shorten or extend the effective maturity of the security beyond what was anticipated
at the time of purchase. If unanticipated rates of prepayment on underlying mortgages increase the effective maturity of a mortgage-related
security, the volatility of the security can be expected to increase. The value of these securities may fluctuate in response to the market&rsquo;s
perception of the creditworthiness of the issuers. Additionally, although mortgages and mortgage-related securities are generally supported
by some form of government or private guarantee and/or insurance, there is no assurance that private guarantors or insurers will meet
their obligations.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Below Investment Grade Securities</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The Fund may invest, without limit, in preferred
securities and debt securities rated below investment grade, such as those rated below Baa by Moody&rsquo;s or below BBB by S&amp;P, respectively,
or securities comparably rated by other rating agencies or in unrated securities determined by the Subadviser to be below investment grade.
Securities rated Ba by Moody&rsquo;s are judged to have speculative elements; their future cannot be considered as well assured and often
the protection of interest and principal payments may be very moderate. Securities rated BB by S&amp;P are regarded as having predominantly
speculative characteristics and, while such obligations have less near term vulnerability to default than other speculative grade debt,
they face major ongoing uncertainties or exposure to adverse business, financial or economic conditions which could lead to inadequate
capacity to meet timely interest and principal payments.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Below investment grade securities, though high
yielding, are characterized by high risk. They may be subject to certain risks with respect to the issuing entity and to greater market
fluctuations than certain lower yielding, higher rated securities. The retail secondary market for lower grade securities may be less
liquid than that of higher rated securities; adverse conditions could make it difficult at times for the Fund to sell certain securities
or could result in lower prices than those used in calculating the Fund&rsquo;s net asset value.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The prices of debt securities generally are inversely
related to interest rate changes; however, the price volatility caused by fluctuating interest rates of securities also is inversely related
to the coupons of such securities. Accordingly, below investment grade securities may be relatively less sensitive to interest rate changes
than higher quality securities of comparable maturity because of their higher coupon. This higher coupon is what the investor receives
in return for bearing greater credit risk. The higher credit risk associated with below investment grade securities potentially can have
a greater effect on the value of such securities than may be the case with higher quality issues of comparable maturity.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Below investment grade securities may be particularly
susceptible to economic downturns. It is likely that an economic recession could severely disrupt the market for such securities and may
have an adverse impact on the value of such securities. In addition, it is likely that any such economic downturn could adversely affect
the ability of the issuers of such securities to repay principal and pay interest thereon and increase the incidence of default for such
securities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The ratings of Moody&rsquo;s, S&amp;P and other
rating agencies represent their opinions as to the quality of the obligations that they undertake to rate. Ratings are relative and subjective
and, although ratings may be useful in evaluating the safety of interest and principal payments, they do not evaluate the market value
risk of such obligations. Although these ratings may be an initial criterion for selection of portfolio investments, the Subadviser also
will independently evaluate these securities and the ability for the issuers of such securities to pay interest and principal. To the
extent that the Fund invests in lower grade securities that have not been rated by a rating agency, the Fund&rsquo;s ability to achieve
its investment objectives will be more dependent on the Fund&rsquo;s credit analysis than would be the case when the Fund invests in rated
securities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Commercial Mortgage-Backed Securities</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The Fund may invest in CMBS. CMBS generally are
multi-class debt or pass-through certificates secured or backed by mortgage loans on commercial properties. CMBS generally are structured
to provide protection to the senior class investors against potential losses on the underlying mortgage loans. This protection generally
is provided by having the holders of Subordinated CMBS take the first loss if there are defaults on the underlying commercial mortgage
loans. Other protection, which may benefit all of the classes or particular classes, may include issuer guarantees, reserve funds, additional
Subordinated CMBS, cross-collateralization and over-collateralization.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The Fund may invest in Subordinated CMBS issued
or sponsored by commercial banks, savings and loan institutions, mortgage bankers, private mortgage insurance companies and other non-governmental
issuers. Subordinated CMBS have no governmental guarantee and are subordinated in some manner as to the payment of principal and/or interest
to the holders of more senior mortgage-related securities arising out of the same pool of mortgages. The holders of Subordinated CMBS
typically are compensated with a higher stated yield than are the holders of more senior mortgage-related securities. On the other hand,
Subordinated CMBS typically subject the holder to greater risk than senior CMBS and tend to be rated in a lower rating category and frequently
a substantially lower rating category, than the senior CMBS issued in respect of the same mortgage pool. Subordinated CMBS generally are
likely to be more sensitive to changes in prepayment and interest rates and the market for such securities may be less liquid than is
the case for traditional fixed-income securities and senior mortgage-related securities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The market for CMBS developed more recently and
in terms of total outstanding principal amount of issues is relatively small compared to the market for residential single-family mortgage-related
securities. In addition, commercial lending generally is viewed as exposing the lender to a greater risk of loss than one-to-four family
residential lending. Commercial lending, for example, typically involves larger loans to single borrowers or groups of related borrowers
than residential one-to-four family mortgage loans. In addition, the repayment of loans secured by income producing properties typically
is dependent upon the successful operation of the related real estate project and the cash flow generated therefrom. Consequently, adverse
changes in economic conditions and circumstances are more likely to have an adverse impact on mortgage-related securities secured by loans
on commercial properties than on those secured by loans on residential properties.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Commercial Mortgage Loans</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The Fund may invest in commercial mortgage loans,
which investments generally will be in the form of loan participations. Commercial mortgage loans are secured by multifamily or other
types of commercial property. The Fund may also invest in mezzanine loans that take the form of subordinated loans secured by second mortgages
on the underlying real property or loans secured by a pledge of the ownership interests of either the entity owning the real property
or the entity that owns the interest in the entity owning the real property.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Commercial
mortgage loans are subject to risks of delinquency and foreclosure and risks of loss that are greater than similar risks associated with
loans made on the security of single family residential property. The ability of a borrower to repay a loan secured by a property typically
is dependent primarily upon the successful operation of such property rather than upon the existence of independent income or assets of
the borrower. If the net operating income of the property is reduced, the borrower&rsquo;s ability to repay the loan may be </FONT>impaired.
Net operating income of an income producing property can be affected by, among other things: tenant mix, success of tenant businesses,
property management decisions, property location and condition, competition from comparable types of properties, changes in laws that
increase operating expense or limit rents that may be charged, any need to address environmental contamination at the property, the occurrence
of any uninsured casualty at the property, changes in national, regional or local economic conditions and/or specific industry segments,
declines in regional or local real estate values, declines in regional or local rental or occupancy rates, increases in interest rates,
real estate tax rates and other operating expenses, changes in governmental rules, regulations and fiscal policies, including environmental
legislation, terrorism, social unrest and civil disturbances.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">In the event of any default under a mortgage loan
held directly by the Fund, the Fund will bear a risk of loss of principal to the extent of any deficiency between the value of the collateral
and the principal and accrued interest of the mortgage loan, which could have an adverse effect on the Fund&rsquo;s cash flow from operations
and limit amounts available for distribution to shareholders. In the event of the bankruptcy of a mortgage loan borrower, the mortgage
loan to such borrower will be deemed to be secured only to the extent of the value of the underlying collateral at the time of bankruptcy
(as determined by the bankruptcy court), and the lien securing the mortgage loan will be subject to the avoidance powers of the bankruptcy
trustee or debtor-in-possession to the extent the lien is unenforceable under state law. Foreclosure of a mortgage loan can be an expensive
and lengthy process which could have a substantial negative effect on the Fund&rsquo;s anticipated return on the foreclosed mortgage loan.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Investments in mezzanine loans involve a higher
degree of risk than long-term senior mortgage lending secured by income producing real property because the investment may become unsecured
as a result of foreclosure by the senior lender. In the event of a bankruptcy of the entity providing the pledge of its ownership interests
as security, the Fund may not have full recourse to the assets of such entity, or the assets of the entity may not be sufficient to satisfy
the Fund&rsquo;s mezzanine loan. If a borrower defaults on a mezzanine loan or debt senior to the Fund&rsquo;s loan, or in the event of
a borrower bankruptcy, the Fund&rsquo;s mezzanine loan will be satisfied only after the senior debt. As a result, the Fund may not recover
some or all of its investment. In addition, mezzanine loans may have higher loan-to-value ratios than conventional mortgage loans, resulting
in less equity in the real property and increasing the risk of loss of principal.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Commercial mortgage loans are considered to be
debt securities for purposes of the Fund&rsquo;s investment restriction relating to the lending of its funds or assets.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Commercial Paper</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Commercial paper is a debt obligation usually
issued by corporations (including foreign corporations) and may be unsecured or secured by letters of credit or a surety bond. Commercial
paper is usually repaid at maturity by the issuer from the proceeds of the issuance of new commercial paper. As a result, investment in
commercial paper is subject to the risk that the issuer cannot issue enough new commercial paper to satisfy its outstanding commercial
paper, also known as rollover risk.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Asset-backed commercial paper is a debt obligation
generally issued by a corporate-sponsored special purpose entity to which the corporation has contributed cash-flow receivables such as
credit card receivables, auto and equipment leases, and other receivables. Investment in asset-backed commercial paper is subject to the
risk that insufficient proceeds from the projected cash flows of the contributed receivables are available to repay the commercial paper.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Commercial Real Estate Collateralized Debt Obligations</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The Fund may invest in commercial real estate
CDOs or &ldquo;CRE CDOs.&rdquo; A CRE CDO is a trust typically collateralized by a combination of CMBS and REIT unsecured debt. CRE CDOs
may also include real estate loans and other asset-backed securities as part of their collateral. CRE CDOs may charge management fees
and administrative expenses.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The cash flows from a CRE CDO are split into two
or more portions, called tranches, varying in risk and yield. The riskiest portion is the &ldquo;equity&rdquo; tranche which bears the
bulk of defaults from the bonds or loans in the trust and serves to protect the other, more senior tranches from default in all but the
most severe circumstances. Since it is partially protected from defaults, a senior tranche from a CRE CDO trust typically has higher ratings
and lower yields than its underlying securities, and can be rated investment grade. Despite the protection from the equity tranche, CRE
CDO tranches can experience substantial losses due to actual defaults, increased sensitivity to defaults due to collateral default and
disappearance of protecting tranches, market anticipation of defaults, as well as aversion to CRE CDO securities as a class. The Fund
may invest in both &ldquo;equity&rdquo; and senior tranches.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">In addition to the normal risks generally associated
with real estate markets and the other risks discussed in this prospectus and this Statement of Additional Information, CRE CDOs are subject
to the general structural and other risks associated with collateralized debt obligations. The risk of an investment in a CRE CDO and
other asset-backed securities depends largely on the class of the CRE CDO in which the Fund invests. Normally, CRE CDOs are privately
offered and sold, and thus, are not registered under the securities laws. As a result, investments in CRE CDOs may be characterized by
the Fund as illiquid securities, however an active dealer market may exist for CRE CDOs allowing for a CRE CDO to qualify for Rule&nbsp;144A
transactions. CRE CDOs carry additional risks including, but not limited to: (i)&nbsp;the possibility that distributions from the underlying
collateral will not be adequate to make interest or other payments; (ii)&nbsp;the quality of the collateral may decline in value or default;
(iii)&nbsp;the Fund may invest in CRE CDO tranches that are subordinate to other classes; and (iv)&nbsp;the complex structure of the security
may not be fully understood at the time of investment and may produce disputes with the issuer or unexpected investment results.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Common Stock</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Common stocks are shares of a corporation or other
entity that entitle the holder to a pro rata share of the profits of the corporation, if any, without preference over any other shareholder
or class of shareholders, including holders of the entity&rsquo;s preferred stock and other senior equity. Common stock usually carries
with it the right to vote and frequently an exclusive right to do so.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Common stock of companies with relatively small
market capitalizations may be more volatile than the securities of larger, more established companies and the broad equity market indices
generally.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Common stocks of companies that a manager believes
have earnings that will grow faster than the economy as a whole are known as growth stocks. Growth stocks typically trade at higher multiples
of current earnings than other stocks. As a result, the values of growth stocks may be more sensitive to changes in current or expected
earnings than the values of other stocks. If the manager&rsquo;s assessment of the prospects for a company&rsquo;s earnings growth is
wrong, or if its judgment of how other investors will value the company&rsquo;s earnings growth is wrong, then the price of that company&rsquo;s
stock may fall or may not approach the value that the manager has placed on it.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Common stocks of companies that are not expected
to experience significant earnings growth, but whose stocks a manager believes are undervalued compared to their true worth, are known
as value stocks. These companies may have experienced adverse business developments or may be subject to special risks that have caused
their stocks to be out of favor. If the manager&rsquo;s assessment of a company&rsquo;s prospects is wrong, or if other investors do not
eventually recognize the value of the company, then the price of the company&rsquo;s stocks may fall or may not approach the value that
the manager has placed on it.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Many stocks have both &ldquo;growth&rdquo; and
 &ldquo;value&rdquo; characteristics, and for some stocks it may be unclear which category, if any, it fits into.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Convertible Securities and Synthetic Convertible Securities</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The Fund may invest in convertible securities
and synthetic convertible securities. Convertible securities include bonds, debentures, notes, preferred stocks and other securities that
entitle the holder to acquire common stock or other equity securities of the same or a different issuer. The Fund may invest in convertible
securities of any rating. &ldquo;Synthetic&rdquo; convertible securities are selected based on the similarity of their economic characteristics
to those of a traditional convertible security due to the combination of separate securities that possess the two principal characteristics
of a traditional convertible security, i.e., an income-producing security (&ldquo;income-producing component&rdquo;) and the right to
acquire an equity security (&ldquo;convertible component&rdquo;). The income-producing component is achieved by investing in non-convertible,
income-producing securities such as bonds, preferred stocks and money market instruments, which may be represented by derivative instruments.
The convertible component is achieved by investing in securities or instruments such as warrants or options to buy common stock at a certain
exercise price, or options on a stock index. A simple example of a synthetic convertible security is the combination of a traditional
corporate bond with a warrant to purchase equity securities of the issuer of the bond. The Fund may also purchase synthetic securities
created by other parties, typically investment banks, including convertible structured notes. The income-producing and convertible components
of a synthetic convertible security may be issued separately by different issuers and at different times.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Debt Securities</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The Fund may invest in debt securities. The Fund
may also invest in loans and loan participations. The Fund may invest in debt securities of any rating, including below investment grade
and unrated debt securities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Equity Investments</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The Fund may invest in equity securities. Equity
securities (which generally include common stocks, preferred stocks, warrants, securities convertible into common or preferred stocks
and similar securities) are generally volatile and more risky than some other forms of investment. Equity securities of companies with
relatively small market capitalizations may be more volatile than the securities of larger, more established companies and the broad equity
market indices generally. Common stock and other equity securities may take the form of stock in corporations, partnership interests,
interests in limited liability companies and other direct or indirect interests in business organizations.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Foreign Currency Transactions</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The Fund may conduct foreign currency transactions
on a spot (<I>i.e.</I>, cash) or forward basis (<I>i.e.</I>, by entering into forward contracts to purchase or sell foreign currencies).
Although foreign exchange dealers generally do not charge a fee for such conversions, they do realize a profit based on the difference
between the prices at which they are buying and selling various currencies. Thus, a dealer may offer to sell a foreign currency at one
rate, while offering a lesser rate of exchange should the counterparty desire to resell that currency to the dealer. Forward contracts
are customized transactions that require a specific amount of a currency to be delivered at a specific exchange rate on a specific date
or range of dates in the future. Forward contracts are generally traded in an interbank market directly between currency traders (usually
large commercial banks) and their customers. The parties to a forward contract may agree to offset or terminate the contract before its
maturity, or may hold the contract to maturity and complete the contemplated currency exchange. The Fund may use currency forward contracts
for any purpose consistent with its investment objectives.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The following discussion summarizes the principal
currency management strategies involving forward contracts that could be used by the Fund. The Fund may also use swap agreements, indexed
securities, and options and futures contracts relating to foreign currencies for the same purposes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">A &ldquo;settlement hedge&rdquo; or &ldquo;transaction
hedge&rdquo; is designed to protect the Fund against an adverse change in foreign currency values between the date a security is purchased
or sold and the date on which payment is made or received. Entering into a forward contract for the purchase or sale of the amount of
foreign currency involved in an underlying security transaction for a fixed amount of U.S. dollars &ldquo;locks in&rdquo; the U.S. dollar
price of the security. Forward contracts to purchase or sell a foreign currency may also be used by the Fund in anticipation of future
purchases or sales of securities denominated in foreign currency, even if the Adviser or Subadviser has not yet selected specific investments.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The Fund may also use forward contracts to hedge
against a decline in the value of existing investments denominated in foreign currency. For example, if the Fund owned securities denominated
in pounds sterling, it could enter into a forward contract to sell pounds sterling in return for U.S. dollars to hedge against possible
declines in the pound&rsquo;s value. Such a hedge, sometimes referred to as a &ldquo;position hedge,&rdquo; would tend to offset both
positive and negative currency fluctuations, but would not offset changes in security values caused by other factors. The Fund could also
hedge the position by selling another currency expected to perform similarly to the pound sterling. This type of hedge, sometimes referred
to as a &ldquo;proxy hedge,&rdquo; could offer advantages in terms of cost, yield, or efficiency, but generally would not hedge currency
exposure as effectively as a direct hedge into U.S. dollars. Proxy hedges may result in losses if the currency used to hedge does not
perform similarly to the currency in which the hedged securities are denominated.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The Fund may enter into forward contracts to shift
its investment exposure from one currency into another. This may include shifting exposure from U.S. dollars to a foreign currency, or
from one foreign currency to another foreign currency. This type of strategy, sometimes known as a &ldquo;cross-hedge,&rdquo; will tend
to reduce or eliminate exposure to the currency that is sold, and increase exposure to the currency that is purchased, much as if the
Fund had sold a security denominated in one currency and purchased an equivalent security denominated in another. Cross-hedges protect
against losses resulting from a decline in the hedged currency, but will cause the Fund to assume the risk of fluctuations in the value
of the currency it purchases.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Successful use of currency management strategies
will depend on the Adviser or Subadviser&rsquo;s skill in analyzing currency values. Currency management strategies may substantially
change the Fund&rsquo;s investment exposure to changes in currency exchange rates and could result in losses to the Fund if currencies
do not perform as the Adviser or Subadviser anticipates. For example, if a currency&rsquo;s value rose at a time when the Adviser or Subadviser
had hedged the Fund by selling that currency in exchange for dollars, the Fund would not participate in the currency&rsquo;s appreciation.
If the Adviser or Subadviser hedges currency exposure through proxy hedges, the Fund could realize currency losses from both the hedge
and the security position if the two currencies do not move in tandem. Similarly, if the Adviser or Subadviser increases the Fund&rsquo;s
exposure to a foreign currency and that currency&rsquo;s value declines, the Fund will realize a loss. There is no assurance that the
Adviser or Subadviser&rsquo;s use of currency management strategies will be advantageous to the Fund or that it will hedge at appropriate
times.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Foreign Securities</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The Fund may invest, without limit, in the securities
of foreign issuers. Foreign securities, foreign currencies, and securities issued by U.S. entities with substantial foreign operations
may involve significant risks in addition to the risks inherent in U.S. investments.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Foreign investments involve risks relating to
local political, economic, regulatory, or social instability, military action or unrest, or adverse diplomatic developments, and may be
affected by actions of foreign governments adverse to the interests of U.S. investors. Such actions may include expropriation or nationalization
of assets, confiscatory taxation, restrictions on U.S. investment or on the ability to repatriate assets or convert currency into U.S.
dollars, or other government intervention. There is no assurance that the Adviser or Subadviser will be able to anticipate these potential
events or counter their effects. In addition, the value of securities denominated in foreign currencies and of dividends and interest
paid with respect to such securities will fluctuate based on the relative strength of the U.S. dollar.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">It is anticipated that in most cases the best
available market for foreign securities will be on an exchange or in over-the-counter markets located outside of the United States. Foreign
markets, while growing in volume and sophistication, are generally not as developed as those in the United States, and securities of some
foreign issuers may be less liquid and more volatile than securities of comparable U.S. issuers. Foreign security trading, settlement
and custodial practices (including those involving securities settlement where fund assets may be released prior to receipt of payment)
are often less developed than those in U.S. markets, and may result in increased risk or substantial delays in the event of a failed trade
or the insolvency of, or breach of duty by, a foreign broker-dealer, securities depository or foreign subcustodian. In addition, the costs
associated with foreign investments, including withholding taxes, brokerage commissions and custodial costs, are generally higher than
with U.S. investments.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Foreign markets may offer less protection to investors
than U.S. markets. Foreign issuers are generally not bound by uniform accounting, auditing, financial reporting requirements and standards
of practice comparable to those applicable to U.S. issuers. Adequate public information on foreign issuers may not be available, and it
may be difficult to secure dividends and information regarding corporate actions on a timely basis. In general, there is less overall
governmental supervision and regulation of securities exchanges, brokers, and listed companies than in the United States. Over-the-counter
markets tend to be less regulated than stock exchange markets and, in certain countries, may be totally unregulated. Regulatory enforcement
may be influenced by economic or political concerns, and investors may have difficulty enforcing their legal rights in foreign countries.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Some foreign securities impose restrictions on
transfer within the United States or to U.S. persons. Although securities subject to such transfer restrictions may be marketable abroad,
they may be less liquid than foreign securities of the same class that are not subject to such restrictions.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The risks of foreign investing may be magnified
for investments in developing or emerging markets. Security prices in emerging markets can be significantly more volatile than those in
more developed markets, reflecting the greater uncertainties of investing in less established markets and economies. In particular, countries
with emerging markets may have relatively unstable governments, may present the risks of nationalization of businesses, restrictions on
foreign ownership and prohibitions on the repatriation of assets, and may have less protection of property rights than more developed
countries. The economies of countries with emerging markets may be based on only a few industries, may be highly vulnerable to changes
in local or global trade conditions, and may suffer from extreme and volatile debt burdens or inflation rates. Local securities markets
may trade a small number of securities and may be unable to respond effectively to increases in trading volume, potentially making prompt
liquidation of holdings difficult or impossible at times.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Futures and Options</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The following paragraphs pertain to futures and
options: Asset Coverage for Futures and Options Positions, Purchasing Put and Call Options, Writing Put and Call Options, Over-the-Counter
Options, Futures Contracts, Futures Margin Payments and Swap Agreements.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><I>Asset
Coverage for Futures and Options Positions. </I></FONT>The Fund may enter into certain transactions, including futures and options positions,
which can be viewed as constituting a form of borrowing or leveraging transaction by the Fund. To the extent the Fund covers its commitment
under such transactions by the segregation or &ldquo;earmarking&rdquo; of assets or by entering into offsetting transactions, determined
in accordance with procedures adopted by the Directors, equal in value to the amount of the Fund&rsquo;s commitment, such a transaction
will not be considered a &ldquo;senior security&rdquo; by the Fund and therefore will not be subject to the 300% asset coverage requirement
otherwise applicable to borrowings by the Fund.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">With respect to futures contracts that are not
legally required to &ldquo;cash settle,&rdquo; the Fund may cover the open position by setting aside or &ldquo;earmarking&rdquo; liquid
assets in an amount equal to the market value of the futures contract. With respect to futures that are required to &ldquo;cash settle,&rdquo;
however, the Fund is permitted to set aside or &ldquo;earmark&rdquo; liquid assets in an amount equal to the Fund&rsquo;s daily marked
to market (net) obligation, if any, (in other words, the Fund&rsquo;s daily net liability, if any) rather than the market value of the
futures contract. By setting aside assets equal to only its net obligation under cash-settled futures, the Fund will have the ability
to employ leverage to a greater extent than if the Fund were required to segregate assets equal to the full market value of the futures
contract.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><I>Purchasing
Put and Call Options. </I></FONT>By purchasing a put option, the purchaser obtains the right (but not the obligation) to sell the option&rsquo;s
underlying instrument at a fixed strike price. In return for this right, the purchaser pays the current market price for the option (known
as the option premium). Options have various types of underlying instruments, including specific securities, indices of securities prices,
and futures contracts. The purchaser may terminate its position in a put option by allowing it to expire or by exercising the option.
If the option is allowed to expire, the purchaser will lose the entire premium. If the option is exercised, the purchaser completes the
sale of the underlying instrument at the strike price. A purchaser may also terminate a put option position by closing it out in the secondary
market at its current price, if a liquid secondary market exists.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The buyer of a typical put option can expect to
realize a gain if security prices fall substantially. However, if the underlying instrument&rsquo;s price does not fall enough to offset
the cost of purchasing the option, a put buyer can expect to suffer a loss (limited to the amount of the premium, plus related transaction
costs).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The features of call options are essentially the
same as those of put options, except that the purchaser of a call option obtains the right to purchase, rather than sell, the underlying
instrument at the option&rsquo;s strike price. A call buyer typically attempts to participate in potential price increases of the underlying
instrument with risk limited to the cost of the option if security prices fall. At the same time, the buyer can expect to suffer a loss
if security prices do not rise sufficiently to offset the cost of the option.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><I>Writing
Put and Call Options. </I></FONT>The writer of a put or call option takes the opposite side of the transaction from the option&rsquo;s
purchaser. In return for receipt of the premium, the writer assumes the obligation to, in the case of a put option, purchase the underlying
security or, in the case of a call option, sell the underlying security, in either case for a price equal to the strike price for the
option&rsquo;s underlying instrument if the other party to the option chooses to exercise it. The writer may seek to terminate a position
in a put or call option before exercise by closing out the option in the secondary market at its current price. If the secondary market
is not liquid for an option, however, the writer must continue to be prepared to pay the strike price while the option is outstanding,
in the case of a put option, or deliver the underlying security in exchange for the strike price in the case of a call option, regardless
of price changes, and must continue to set aside assets to cover its position. When writing an option on a futures contract, the Fund
will be required to make margin payments to a futures commission merchant (&ldquo;FCM&rdquo;) as described below for futures contracts.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">If security prices rise, a put writer would generally
expect to profit, although its gain would be limited to the amount of the premium it received. If security prices remain the same over
time, it is likely that the writer will also profit, because it should be able to close out the option at a lower price. If security prices
fall, the put writer would expect to suffer a loss. This loss should be less than the loss from purchasing the underlying instrument directly,
however, because the premium received for writing the option should mitigate the effects of the decline.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Writing a call option obligates the writer to
sell or deliver the option&rsquo;s underlying instrument, in return for the strike price, upon exercise of the option. The characteristics
of writing call options are similar to those of writing put options, except that writing calls generally is a profitable strategy if prices
remain the same or fall. Through receipt of the option premium, a call writer mitigates the effects of a price decline. At the same time,
because a call writer must be prepared to deliver the underlying instrument in return for the strike price, even if its current value
is greater, a call writer gives up some ability to participate in security price increases.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Combined Positions involve purchasing and writing
options in combination with each other, or in combination with futures or forward contracts, to adjust the risk and return characteristics
of the overall position. For example, purchasing a put option and writing a call option on the same underlying instrument would construct
a combined position whose risk and return characteristics are similar to selling a futures contract. Another possible combined position
would involve writing a call option at one strike price and buying a call option at a lower price, to reduce the risk of the written call
option in the event of a substantial price increase. Because combined options positions involve multiple trades, they result in higher
transaction costs and may be more difficult to open and close out.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><I>Over-the-Counter
Options. </I></FONT>Unlike exchange-traded options, which are standardized with respect to the underlying instrument, expiration date,
contract size, and strike price, the terms of over-the-counter options (options not traded on exchanges) generally are established through
negotiation with the counter party to the option contract. While this type of arrangement allows the purchaser or writer greater flexibility
to tailor an option to its needs, over-the-counter options generally involve greater credit risk than exchange-traded options, which are
guaranteed by the clearing organization of the exchanges where they are traded.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><I>Futures
Contracts. </I></FONT>In purchasing a futures contract, the buyer agrees to purchase a specified underlying instrument at a specified
future date. In selling a futures contract, the seller agrees to sell a specified underlying instrument at a specified future date. The
price at which the purchase and sale will take place is fixed when the buyer and seller enter into the contract. Some currently available
futures contracts are based on specific securities, such as U.S. Treasury bonds or notes, and some are based on indices of securities
prices, such as the S&amp;P 500 Composite Stock Price Index. Futures can be held until their delivery dates, or can be closed out before
the delivery date if a liquid secondary market is available.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The value of a futures contract tends to increase
and decrease in tandem with the value of its underlying instrument. Therefore, purchasing futures contracts will tend to increase the
Fund&rsquo;s exposure to positive and negative price fluctuations in the underlying instrument, much as if it had purchased the underlying
instrument directly. When the Fund sells a futures contract, by contrast, the value of its futures position will tend to move in a direction
contrary to the market. Selling futures contracts, therefore, will tend to offset both positive and negative market price changes, much
as if the underlying instrument had been sold.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><I>Futures
Margin Payments. </I></FONT>The purchaser or seller of a futures contract is not required to deliver or pay for the underlying instrument
unless the contract is held until the delivery date. However, both the purchaser and seller are required to deposit &ldquo;initial margin&rdquo;
with a futures broker, known as a FCM, when the contract is entered into. Initial margin deposits are typically equal to a percentage
of the contract&rsquo;s value. If the value of either party&rsquo;s position declines, that party will be required to make additional
 &ldquo;variation margin&rdquo; payments to settle the change in value on a daily basis. The party that has a gain may be entitled to receive
all or a portion of this amount. Initial and variation margin payments do not constitute purchasing securities on margin for purposes
of the Fund&rsquo;s investment limitations. In the event of the bankruptcy of an FCM that holds margin on behalf of the Fund, the Fund
may be entitled to return of margin owed to it only in proportion to the amount received by the FCM&rsquo;s other customers, potentially
resulting in losses to the Fund.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The Fund has filed a notice of eligibility for
exclusion from the definition of the term &ldquo;commodity pool operator&rdquo; with the CFTC and the National Futures Association, which
regulate trading in the futures markets. The Fund intends to comply with Rule&nbsp;4.5 under the Commodity Exchange Act, which limits
the extent to which the Fund can commit assets to initial margin deposits and option premiums. DPIM and Newfleet are not deemed to be
a &ldquo;commodity pool operator&rdquo; with respect to their services as investment subadvisers to the Fund.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Because there are a limited number of types of
exchange-traded options and futures contracts, it is likely that the standardized contracts available will not match the Fund&rsquo;s
current or anticipated investments exactly. The Fund may invest in options and futures contracts based on securities with different issuers,
maturities, or other characteristics from the securities in which the Fund typically invests, which involves a risk that the options or
futures position will not track the performance of the Fund&rsquo;s other investments.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Options and futures prices can also diverge from
the prices of their underlying instruments, even if the underlying instruments match the Fund&rsquo;s investments well. Options and futures
prices are affected by such factors as current and anticipated short-term interest rates, changes in volatility of the underlying instrument
and the time remaining until expiration of the contract, which may not affect security prices the same way. Imperfect correlation may
also result from differing levels of demand in the options and futures markets and the securities markets, from structural differences
in how options, futures and securities are traded, or from imposition of daily price fluctuation limits or trading halts. The Fund may
purchase or sell options and futures contracts with a greater or lesser value than the securities it wishes to hedge or intends to purchase
in order to attempt to compensate for differences in volatility between the contract and the securities, although this may not be successful
in all cases. If price changes in the Fund&rsquo;s options or futures positions are poorly correlated with its other investments, the
positions may fail to produce anticipated gains or result in losses that are not offset by gains in other investments.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">There is no assurance a liquid secondary market
will exist for any particular options or futures contract at any particular time. Options may have relatively low trading volume and liquidity
if their strike prices are not close to the underlying instrument&rsquo;s current price. In addition, exchanges may establish daily price
fluctuation limits for options and futures contracts and may halt trading if a contract&rsquo;s price moves upward or downward more than
the limit in a given day. On volatile trading days when the price fluctuation limit is reached or a trading halt is imposed, it may be
impossible to enter into new positions or close out existing positions. The lack of liquidity in the secondary market for a contract due
to price fluctuation limits could prevent prompt liquidation of unfavorable positions and potentially could require the Fund to continue
to hold a position until delivery or expiration regardless of changes in its value. As a result, the Fund&rsquo;s access to other assets
held to cover its options or futures positions could also be impaired.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><I>Swap
Agreements. </I></FONT>Swap agreements can be individually negotiated and structured to address a variety of different types of investments
or market factors, including changes in interest rates related to the Fund&rsquo;s borrowing. Depending on their structure, swap agreements
may increase or decrease the Fund&rsquo;s exposure to changes in long or short-term interest rates, equity securities, mortgage securities,
corporate borrowing rates, or to address other factors such as security prices or inflation rates. Swap agreements can take many different
forms and are known by a variety of names.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">In a typical cap or floor agreement, one party
agrees to make payments only under specified circumstances, usually in return for payment of a fee by the other party. For example, the
buyer of an interest rate cap obtains the right to receive payments to the extent that a specified interest rate exceeds an agreed-upon
level, while the seller of an interest rate floor is obligated to make payments to the extent that a specified interest rate falls below
an agreed-upon level. An interest rate collar combines elements of buying a cap and selling a floor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Swap agreements will tend to shift the Fund&rsquo;s
investment exposure from one type of investment to another. Caps and floors have an effect similar to buying or writing options. Depending
on how they are used, swap agreements may increase or decrease the overall volatility of the Fund&rsquo;s investments and its share price
and yield.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The most significant factor in the performance
of swap agreements is the change in the specific interest rate, value of underlying reference security or other factors that determine
the amounts of payments due to and from the Fund. If a swap agreement calls for payments by the Fund, the Fund must be prepared to make
such payments when due. In addition, if the counterparty&rsquo;s creditworthiness declined, the value of a swap agreement would be likely
to decline, potentially resulting in losses. The Fund may be able to eliminate its exposure under a swap agreement either by assignment
or other disposition, or by entering into an offsetting swap agreement with the same party or a similarly creditworthy party.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The Fund will maintain appropriate liquid assets
in a segregated custodial account or otherwise &ldquo;earmark&rdquo; liquid assets to cover its current obligations under swap agreements.
If the Fund enters into a swap agreement on a net basis, it will segregate or &ldquo;earmark&rdquo; assets with a daily value at least
equal to the excess, if any, of the Fund&rsquo;s accrued obligations under the swap agreement over the accrued amount the Fund is entitled
to receive under the agreement. If the Fund enters into a swap agreement on other than a net basis, it will segregate or &ldquo;earmark&rdquo;
assets with a value equal to the full amount of the Fund&rsquo;s accrued obligations under the agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The Fund may seek to gain exposure to securities
by utilizing total return swap agreements. Total return swap agreements are contracts in which one party agrees to make periodic payments
to another party based on the change in market value of the assets underlying the contract, which may include a specified security, basket
of securities or securities indices during the specified period, in return for periodic payments based on a fixed or variable interest
rate or the total return from other underlying assets. Total return swap agreements may be used to obtain exposure to a security or market
without owning or taking physical custody of such security or investing directly in such market. In a typical total return swap agreement,
the Fund will receive the dividend and the price appreciation (or depreciation) of a security, basket of securities or securities index
(or portion thereof), from a counterparty in exchange for paying the counterparty an agreed-upon fee. The use of total return swap agreements
may effectively add leverage to the Fund&rsquo;s portfolio because, in addition to its net assets, the Fund would be subject to investment
exposure on the notional amount of the swap.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The Fund may enter into credit default swap agreements.
A credit default swap is an agreement between two counterparties that allows one counterparty (the &ldquo;seller&rdquo;) to be &ldquo;long&rdquo;
a third party credit risk and the other party (the &ldquo;buyer&rdquo;) to be &ldquo;short&rdquo; the credit risk. Typically, the seller
agrees to make regular fixed payments to the buyer with the same frequency as the underlying reference bond. If a default event occurs,
the seller must pay the buyer the full notional value, or &ldquo;par value,&rdquo; of the reference obligation in exchange for the reference
obligation. The Fund may be either the buyer or seller in a credit default swap transaction. If the Fund is a buyer and no default event
occurs, the Fund will lose its investment and recover nothing. However, if a default event occurs, the Fund (if the buyer) will receive
the full notional value of the reference obligation that may have little or no value. As a seller, the Fund receives a fixed rate of income
throughout the term of the contract, which typically is between six months and three years, provided that there is no default event. If
a default event occurs, the seller must pay the buyer the full notional value of the reference obligation. Credit default swap transactions
involve greater risks than if the Fund had invested in the reference obligation directly.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Swaps must meet certain conditions to qualify
from exemptions from regulation as futures contracts and to avoid registration under the 1933 Act. Future regulation could change the
treatment of swaps under the federal securities or commodities laws.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Investments in Real Estate Securities</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The Fund may invest in securities of companies
in the real estate industry. Real Estate Equity Securities include, but are not limited to, common stocks, preferred stocks and other
equity securities issued by real estate companies, such as REITs or REIT-like structures, real estate operating companies and real estate
developers. Real Estate Debt Securities include, but are not limited to, CMBS, CRE CDOs and other real estate asset-backed securities
and commercial mortgage loan participations. Real Estate Equity Securities and Real Estate Debt Securities are collectively referred to
herein as &ldquo;Real Estate Securities.&rdquo; Under normal market conditions, the Fund may invest in Real Estate Securities of issuers
located or doing business in both developed and emerging market countries. For purposes of the Fund&rsquo;s investment strategy, a company
is a real estate company if at least 50% of its assets, gross revenue, or net profits are committed to, or derived from, real estate or
real estate-related activities. Real estate companies may include, but are not limited to, real estate operating companies, REITs and
special purpose entities, such as pass-through trusts or other special purpose entities that issue commercial mortgage-back securities
and/or execute real estate financings or securitizations.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Other Registered Investment Companies</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The Fund may invest, to the extent permitted by
the limits of Section&nbsp;12(d)(1)&nbsp;of the 1940 Act or applicable restrictions under Rule&nbsp;12d1-4 thereunder, in securities of
other open- or closed-end registered investment companies, including exchange traded funds, that invest primarily in securities of the
types in which the Fund may invest directly. The Fund generally expects to invest in other registered investment companies either during
periods when it has large amounts of uninvested cash, such as the period shortly after the Fund receives the proceeds from an offering
of its common shares, or during periods when there is a shortage of attractive opportunities in the market. As a shareholder in a registered
investment company, the Fund would bear its ratable share of that investment company&rsquo;s expenses and would remain subject to payment
of the Fund&rsquo;s advisory and other fees and expenses with respect to assets so invested. Holders of common shares would therefore
be subject to additional expenses to the extent the Fund invests in other registered investment companies. The Adviser or Subadviser will
take expenses into account when evaluating the investment merits of an investment in a registered investment company relative to available
bond investments. The securities of other registered investment companies may also be leveraged and will therefore be subject to the same
leverage risks to which the Fund is subject. The net asset value and market value of leveraged shares will be more volatile and the yield
to shareholders will tend to fluctuate more than the yield generated by unleveraged shares. Registered investment companies may have investment
policies that differ from those of either Fund. In addition, to the extent the Fund invests in other registered investment companies,
the Fund will be dependent upon the investment and research abilities of persons other than the Adviser or Subadviser.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Preferred Securities</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The Fund may invest in preferred securities. The
taxable preferred securities in which the Fund intends to invest do not qualify for the dividends received deduction (the &ldquo;DRD&rdquo;)
under Section&nbsp;243 of the Code and are not expected to provide significant benefits under the rules&nbsp;relating to &ldquo;qualified
dividend income.&rdquo; The DRD generally allows corporations to deduct from their income 70% of dividends received. Individuals will
generally be taxed at a maximum tax rate of 15% on qualified dividend income. Accordingly, any corporate shareholder who otherwise would
qualify for the DRD, and any individual shareholder who otherwise would qualify to be taxed at a maximum tax rate of 15% on qualified
dividend income, should assume that none of the distributions the shareholder receives from the Fund attributable to taxable preferred
securities will qualify for the DRD or provide significant benefits under the rules&nbsp;relating to qualified dividend income.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">There are two basic types of preferred securities:
traditional preferred securities and hybrid preferred securities. When used in this Statement of Additional Information and the related
Prospectus, taxable preferred securities refer generally to hybrid preferred securities as well as certain types of traditional preferred
securities that are not eligible for the DRD (and are not expected to provide significant benefits under the rules&nbsp;relating to qualified
dividend income).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><I>Traditional
Preferred Securities. </I></FONT>Traditional preferred securities pay fixed or adjustable rate dividends to investors, and have a &ldquo;preference&rdquo;
over common stock in the payment of dividends and the liquidation of a company&rsquo;s assets. This means that a company must pay dividends
on preferred stock before paying any dividends on its common stock. In order to be payable, distributions on preferred securities must
be declared by the issuer&rsquo;s board of directors. Income payments on typical preferred securities currently outstanding are cumulative,
causing dividends and distributions to accrue even if not declared by the board of directors or otherwise made payable. There is no assurance
that dividends or distributions on the preferred securities in which the Fund invests will be declared or otherwise made payable. Preferred
shareholders usually have no right to vote for corporate directors and their voting rights may be limited to certain extraordinary transactions
or events. Shares of preferred securities have a liquidation value that generally equals the original purchase price at the date of issuance.
The market value of preferred securities may be affected by favorable and unfavorable changes impacting industries in which the respective
company operates and by actual and anticipated changes in U.S. federal income tax laws, such as changes in corporate income tax rates,
the rates applicable to qualified dividend income and the DRD. Because the claim on an issuer&rsquo;s earnings represented by preferred
securities may become onerous when interest rates fall below the rate payable on such securities, the issuer may redeem the securities.
Thus, in declining interest rate environments in particular, the Fund&rsquo;s holdings of higher rate paying fixed rate preferred securities
may be reduced and the Fund would be unable to acquire securities paying comparable rates with the redemption proceeds.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><I>Hybrid
Preferred Securities. </I></FONT>The hybrid preferred securities market is divided into the &ldquo;$25 par&rdquo; and the &ldquo;institutional&rdquo;
segments. The $25 par segment is typified by securities that are listed on the NYSE, trade and are quoted &ldquo;flat,&rdquo; (<I>i.e.</I>,
without accrued dividend income), and are typically callable at par value five years after their original issuance date. The institutional
segment is typified by $1,000 par value securities that are not exchange listed, trade and are quoted on an &ldquo;accrued income&rdquo;
basis, and typically have a minimum of ten years of call protection (at premium prices) from the date of their original issuance.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Hybrid preferred securities are treated in a similar
fashion to traditional preferred securities by several regulatory agencies, including the Federal Reserve Bank, and by credit rating agencies,
for various purposes, such as the assignment of minimum capital ratios, over-collateralization rates and diversification limits. Within
the category of hybrid preferred securities are senior debt instruments that trade in the broader preferred securities market. These debt
instruments, which are sources of long-term capital for the issuers, have structural features similar to preferred stock such as maturities
ranging from 30 years to perpetuity, call features, exchange listings and the inclusion of accrued interest in the trading price. Similar
to other hybrid preferred securities, these debt instruments usually do not offer equity capital treatment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Repurchase Agreements</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">In a repurchase agreement, a fund purchases a
security and simultaneously commits to sell that security back to the original seller at an agreed-upon price. The resale price reflects
the purchase price plus an agreed-upon incremental amount that is unrelated to the coupon rate or maturity of the purchased security.
As protection against the risk that the original seller will not fulfill its obligation, the securities are held in a separate account
at a bank, marked-to-market daily and maintained at a value at least equal to the sale price plus the accrued incremental amount. While
it does not presently appear possible to eliminate all risks from these transactions (particularly the possibility that the value of the
underlying security will be less than the resale price, as well as delays and costs to a fund in connection with bankruptcy proceedings),
the Fund will engage in repurchase agreement transactions only with parties whose creditworthiness has been reviewed and found satisfactory
by its Subadviser.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Restricted and Illiquid Securities</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The Fund may invest, without limit, in securities
that have not been registered under the 1933 Act and are not readily marketable. Generally, there will be a lapse of time between the
Fund&rsquo;s decision to sell any such security and the registration of the security permitting sale. During any such period, the price
of the securities will be subject to market fluctuations. In addition, the Fund may not be able to readily dispose of such securities
at prices that approximate those at which the Fund could sell such securities if they were more widely traded and, as a result of such
illiquidity, the Fund may have to sell other investments or engage in borrowing transactions if necessary to raise cash to meet its obligations.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The Fund may purchase certain securities eligible
for resale to qualified institutional buyers as contemplated by Rule&nbsp;144A under the 1933 Act (&ldquo;Rule&nbsp;144A Securities&rdquo;).
Rule&nbsp;144A provides an exemption from the registration requirements of the 1933 Act for the resale of certain restricted securities
to certain qualified institutional buyers. One effect of Rule&nbsp;144A is that certain restricted securities may be considered liquid,
though no assurance can be given that a liquid market for Rule&nbsp;144A Securities will develop or be maintained. However, where a substantial
market of qualified institutional buyers has developed for certain unregistered securities purchased by the Fund pursuant to Rule&nbsp;144A,
the Fund intends to treat such securities as liquid securities in accordance with procedures approved by the Fund&rsquo;s Board. Because
it is not possible to predict with assurance how the market for Rule&nbsp;144A Securities will develop, the Adviser or Subadviser will
monitor carefully the Fund&rsquo;s investments in such securities with particular regard to trading activity, availability of reliable
price information and other relevant information. To the extent that, for a period of time, qualified institutional buyers cease purchasing
restricted securities pursuant to Rule&nbsp;144A, the Fund&rsquo;s investing in such securities may have the effect of increasing the
level of illiquidity in its investment portfolio during such period.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Reverse Repurchase Agreements</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The Fund may enter into reverse repurchase agreements
with respect to its portfolio investments subject to the investment restrictions set forth herein. Reverse repurchase agreements involve
the sale of securities held by the Fund with an agreement by the Fund to repurchase the securities at an agreed upon price, date and interest
payment. The use by the Fund of reverse repurchase agreements involves many of the same risks of leverage described under &ldquo;Leverage
 &mdash; Leverage Risks,&rdquo; since the proceeds derived from such reverse repurchase agreements may be invested in additional securities.
At the time the Fund enters into a reverse repurchase agreement, it may designate on its books and records liquid instruments having a
value not less than the repurchase price (including accrued interest). If the Fund designates liquid instruments on its books and records,
a reverse repurchase agreement will not be considered a borrowing by the Fund; however, under circumstances in which the Fund does not
designate liquid instruments on its books and records, such reverse repurchase agreement will be considered a borrowing for the purpose
of the Fund&rsquo;s limitation on borrowings. Reverse repurchase agreements involve the risk that the market value of the securities acquired
in connection with the reverse repurchase agreement may decline below the price of the securities the Fund has sold but is obligated to
repurchase. Also, reverse repurchase agreements involve the risk that the market value of the securities retained in lieu of sale by the
Fund in connection with the reverse repurchase agreement may decline in price.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">If the buyer of securities under a reverse repurchase
agreement files for bankruptcy or becomes insolvent, such buyer or its trustee or receiver may receive an extension of time to determine
whether to enforce the Fund&rsquo;s obligation to repurchase the securities, and the Fund&rsquo;s use of the proceeds of the reverse repurchase
agreement may effectively be restricted pending such decision. Also, the Fund would bear the risk of loss to the extent that the proceeds
of the reverse repurchase agreement are less than the value of the securities subject to such agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Short Sales</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The Fund may sell securities short as part of
its overall portfolio management strategies involving the use of derivative instruments and to offset potential declines in long positions
in similar securities. A short sale is a transaction in which the Fund sells a security it does not own or have the right to acquire,
or that it owns but does not wish to deliver, in anticipation that the market price of that security will decline. A short sale is &ldquo;against
the box&rdquo; to the extent the Fund contemporaneously owns, or has the right to obtain at no added cost, securities identical to those
sold short. All other short sales are commonly referred to as &ldquo;naked&rdquo; short sales.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">When the Fund makes a short sale, the broker-dealer
through which the short sale is made must borrow the security sold short and deliver it to the party purchasing the security. The Fund
is required to make a margin deposit in connection with such short sales; the Fund may have to pay a fee to borrow particular securities
and will often be obligated to pay over any dividends and accrued interest on borrowed securities. If the price of the security sold short
increases between the time of the short sale and the time the Fund covers its short position, the Fund will incur a loss; conversely,
if the price declines, the Fund will realize a capital gain. Any gain will be decreased, and any loss increased, by the transaction costs
described above. The successful use of short selling may be adversely affected by imperfect correlation between movements in the price
of the security sold short and the securities being hedged.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">If the Fund sells securities short against the
box, it may protect unrealized gains, but will lose the opportunity to profit on such securities if the price rises. If the Fund engages
in naked short sales, the Fund&rsquo;s risk of loss could be as much as the maximum attainable price of the security (which could be limitless)
less the price paid by the Fund for the security at the time it was borrowed.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">When the Fund sells securities short, to the extent
required by applicable law and regulation, the Fund will &ldquo;cover&rdquo; the short sale, which generally means that the Fund will
segregate any asset, including equity securities and non-investment-grade debt so long as the asset is liquid, unencumbered and marked
to market daily, equal to the market value of the securities sold short, reduced by any amount deposited as margin. Alternatively, the
Fund may &ldquo;cover&rdquo; a short sale by (a)&nbsp;owning the underlying securities, (b)&nbsp;owning securities currently convertible
into the underlying securities at an exercise price equal to or less than the current market price of the underlying securities, or (c)&nbsp;owning
a purchased call option on the underlying securities with an exercise price equal to or less than the price at which the underlying securities
were sold short.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>U.S. Government Securities</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The Fund may invest in U.S. government securities,
including a variety of securities that are issued or guaranteed by the U.S. government, its agencies or instrumentalities and repurchase
agreements secured thereby. These securities include securities issued and guaranteed by the full faith and credit of the U.S. government,
such as Treasury bills, Treasury notes, and Treasury bonds; obligations supported by the right of the issuer to borrow from the U.S. Treasury,
such as those of the Federal Home Loan Banks; and obligations supported only by the credit of the issuer, such as those of the Federal
Intermediate Credit Banks.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Stripped government securities are created by
separating the income and principal components of a U.S. government security and selling them separately. STRIPS (Separate Trading of
Registered Interest and Principal of Securities) are created when a Federal Reserve Bank strips the coupon payments and the principal
payment from an outstanding U.S. Treasury security. Privately stripped government securities are created when a dealer deposits a U.S.
Treasury security or other U.S. government security with a custodian for safekeeping. The custodian issues separate receipts for the coupon
payments and the principal payment, which the dealer then sells.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>When Issued and Forward Commitment Securities</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The Fund may purchase securities on a &ldquo;when
issued&rdquo; basis and may purchase or sell securities on a &ldquo;forward commitment&rdquo; basis in order to acquire the security or
to hedge against anticipated changes in interest rates and prices. When such transactions are negotiated, the price, which is generally
expressed in yield terms, is fixed at the time the commitment is made, but delivery and payment for the securities take place at a later
date. When issued securities and forward commitments may be sold prior to the settlement date, but the Fund will enter into when issued
and forward commitments only with the intention of actually receiving or delivering the securities, as the case may be. If the Fund disposes
of the right to acquire a when issued security prior to its acquisition or disposes of its right to deliver or receive against a forward
commitment, it might incur a gain or loss. At the time the Fund enters into a transaction on a when issued or forward commitment basis,
it will designate on its books and records cash or liquid debt securities equal to at least the value of the when issued or forward commitment
securities. The value of these assets will be monitored daily to ensure that their marked to market value will at all times equal or exceed
the corresponding obligations of the Fund. There is always a risk that the securities may not be delivered and that the Fund may incur
a loss. Settlements in the ordinary course, which may take substantially more than three business days, are not treated by the Fund as
when issued or forward commitment transactions and accordingly are not subject to the foregoing restrictions.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Securities purchased on a forward commitment or
when issued basis are subject to changes in value (generally changing in the same way, <I>i.e.</I>, appreciating when interest rates decline
and depreciating when interest rates rise) based upon the public&rsquo;s perception of the creditworthiness of the issuer and changes,
actual or anticipated, in the level of interest rates. Securities purchased with a forward commitment or when issued basis may expose
the Fund to risks because they may experience such fluctuations prior to their actual delivery. Purchasing securities on a when issued
basis can involve the additional risks that the yield available in the market when the delivery takes place actually may be higher than
that obtained in the transaction itself. Purchasing securities on a forward commitment or when issued basis when the Fund is fully invested
may result in greater potential fluctuation in the value of the Fund&rsquo;s net assets and its NAV.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><A NAME="sp3_03"></A>INVESTMENT RESTRICTIONS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Fund has adopted the following fundamental policies which cannot
be changed without the approval of a majority of its outstanding voting securities (as defined under &ldquo;Investment Objective and Policies&rdquo;
in the Prospectus). Except as otherwise noted, all percentage limitations set forth below apply immediately after a purchase or initial
investment, and any subsequent change in any applicable percentage resulting from market fluctuations does not require elimination of
any security or other investment from the portfolio. The Fund may not:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">(1)&nbsp;With respect to 75% of its total assets, invest in securities
of any one issuer if immediately after and as a result of such investment more than 5% of the total assets of the Fund, taken at market
value, would be invested in the securities of such issuer. This investment restriction does not apply to investments in U.S. Government
Securities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">(2)&nbsp;Purchase more than 10% of the outstanding voting securities,
or any class of securities, of any one issuer. This investment restriction does not apply to investments in U.S. Government Securities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">(3)&nbsp;Purchase securities which would cause 25% or more of its total
assets at the time of such purchase to be concentrated in the securities of issuers engaged in any one particular industry or group of
related industries. This investment restriction does not apply to investments in U.S. Government Securities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">(4)&nbsp;Purchase or sell real estate; provided that the Fund may invest
in securities secured by real estate or real estate interests or issued by companies which invest in real estate or real estate interests.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">(5)&nbsp;Purchase any securities on margin. For purposes of this investment
restriction, the following do not constitute margin purchases: (i)&nbsp;effecting short sales, to the extent permitted by (9)&nbsp;below;
(ii)&nbsp;making margin deposits in connection with any futures contracts or any options the Fund may purchase, sell or write; or (iii)&nbsp;entering
into any currency transactions.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">(6)&nbsp;Lend any funds or other assets, except that the Fund may purchase
publicly distributed debt obligations (including repurchase agreements) consistent with its investment objective and policies, and the
Fund may make loans of portfolio securities if such loans do not cause the aggregate amount of all outstanding securities loans to exceed
33 1/3% of the Fund&rsquo;s total assets, provided that the loan is collateralized by cash or cash equivalents or U.S. Government Securities
in an amount equal, on a daily basis, to the market value of the securities loaned.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">(7)&nbsp;Borrow money (through reverse repurchase agreements or otherwise),
except (i)&nbsp;for temporary emergency purposes in amounts not in excess of 5% of the value of the Fund&rsquo;s total assets at the time
the loan is made; or (ii)&nbsp;in an amount not greater than 33 1/3% of the Fund&rsquo;s total assets.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">(8)&nbsp;Issue senior securities, as defined in the 1940 Act, or mortgage,
pledge, hypothecate or in any manner transfer, as security for indebtedness, any securities owned or held by the Fund except as may be
necessary in connection with borrowings mentioned in 7, above. For the purposes of this investment restriction and 7, above, collateral
or escrow arrangements with respect to the making of short sales, writing of stock options, purchase of securities on a forward commitment
or delayed-delivery basis, and purchase of foreign currency forward contracts and collateral arrangements with respect to margin for futures
contracts and foreign currency forward contracts or related options are not deemed to be a pledge of assets and neither such arrangements
nor the purchase or sale of futures contracts, foreign currency forward contracts or related options are deemed to be the issuance of
a senior security.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">(9)&nbsp;Make any short sales of securities, unless at the time the
short sale is made and after giving effect thereto, (i)&nbsp;the market value of all securities sold short is 25% or less of the value
of the Fund&rsquo;s total assets, (ii)&nbsp;the market value of such securities sold short which are not listed on a national securities
exchange does not exceed 10% of the Fund&rsquo;s total assets, (iii)&nbsp;the market value of all securities of any one issuer sold short
does not exceed 2% of the Fund&rsquo;s total assets, (iv)&nbsp;short sales are not made of more than 2% of the outstanding securities
of one class of any issuer, and (v)&nbsp;the Fund maintains collateral deposits consisting of cash or U.S. Government Securities in a
segregated account which, together with collateral deposited with the broker-dealer, are at all times equal to 100% of the current market
value of the securities sold short. This investment restriction does not apply to short sales &ldquo;against the box.&rdquo; For the purposes
of this investment restriction, sales of securities on a when-issued or delayed-delivery basis are not considered to be short sales.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">(10)&nbsp;Underwrite securities of other issuers except insofar as
it might be deemed to be an underwriter for purposes of the Securities Act of 1933, as amended, in the resale of any securities held in
its own portfolio.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">(11) Invest more than 10% of the Fund&rsquo;s total assets in securities
that at the time of purchase are subject to restrictions on disposition under the Securities Act of 1933, as amended.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">(12) Purchase or sell commodities or commodity or futures contracts
or options on commodity or futures contracts except in compliance with such rules&nbsp;and interpretations of the Commodity Futures Trading
Commission which exempt the Fund from regulation as a commodity pool operator.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><A NAME="sp3_04"></A>MANAGEMENT</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Information pertaining to the Directors and Officers of the Fund is
set forth below. The address of each individual, unless otherwise noted, is c/o Virtus Total Return Fund Inc., One Financial Plaza, Hartford,
CT 06103.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><U>INDEPENDENT DIRECTORS</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="vertical-align: bottom; width: 20%; border-bottom: black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Name,
    Year of Birth and<BR>
    Number of Portfolios in Fund<BR>
    Complex Overseen by <BR>
    Director</B></FONT></TD>
    <TD STYLE="vertical-align: top; width: 1%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: top; width: 1%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; vertical-align: bottom; width: 13%; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Term
    of Office <BR>
    and Length of <BR>
    Time Served<SUP>(1)</SUP></B></FONT></TD>
    <TD STYLE="text-align: center; vertical-align: top; width: 2%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: center; vertical-align: bottom; width: 23%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Principal
    Occupation(s)<BR>
During Past <BR>
    Five Years</B></FONT></TD>
    <TD STYLE="text-align: center; vertical-align: top; width: 1%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: center; vertical-align: top; width: 1%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: center; vertical-align: bottom; width: 38%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Other
    Directorships/Trusteeships<BR>
 Held During Past <BR>
Five Years</B></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-left: 0.35in; text-indent: -0.35in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">Donald C. Burke</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">Year of Birth: 1960</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">98 Portfolios</FONT></P></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Class&nbsp;I Director served since 2020</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD>Private investor (since 2009). Formerly, President and Chief Executive Officer, BlackRock U.S. Funds (2007 to 2009); Managing Director,
BlackRock, Inc. (2006 to 2009); and Managing Director, Merrill Lynch Investment Managers (1990 to 2006).</TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Trustee (since 2021), The Merger Fund&reg;, The Merger
    Fund&reg; VL, Virtus Event Opportunities Trust (2 portfolios), Virtus Investment Trust (13 portfolios) and Virtus Strategy Trust
    (11 portfolios); Director (2020 to 2021), Duff&nbsp;&amp; Phelps Select MLP and Midstream Energy Fund Inc.; Director (since 2020),
    Virtus Total Return Fund Inc.; Trustee (since 2020), Virtus Global Multi-Sector Income Fund; Trustee (since 2016), Virtus Mutual
    Fund Family (55 portfolios), Virtus Variable Insurance Trust (8 portfolios) and Virtus Alternative Solutions Trust (2 portfolios);
    Director (since 2014) closed-end funds managed by Duff&nbsp;&amp; Phelps Investment Management Co. (3 funds); Director, Avista Corp.
    (energy company) (since 2011); Trustee, Goldman Sachs Fund Complex (2010 to 2014); and Director, BlackRock Luxembourg and Cayman
    Funds (2006 to 2010).</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">Sarah E. Cogan</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">Year of Birth: 1956</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">102 Portfolios</FONT></P></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Class&nbsp;I Director served since 2021</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Retired&nbsp;&nbsp;Partner, Simpson Thacher&nbsp;&amp;
    Bartlett LLP (&ldquo;STB&rdquo;) (law firm) (since 2018); Director, Girl Scouts of Greater New York (since 2016); Trustee, Natural
    Resources Defense Council,&nbsp;Inc. (since 2013); and formerly, Partner, STB (1989 to 2018).</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Trustee (since 2021), The Merger Fund&reg;, The Merger
    Fund&reg; VL, Virtus Event Opportunities Trust (2 portfolios), and Virtus Global Multi-Sector Income Fund; Director (since 2021),
    Virtus Total Return Fund Inc.; Advisory Board Member (since 2021), Virtus Alternative Solutions Trust (2 portfolios), Virtus Mutual
    Fund Family (55 portfolios) and Virtus Variable Insurance Trust (8 portfolios); Advisory Board Member (February&nbsp;2021 to June&nbsp;2021),
    Duff&nbsp;&amp; Phelps Select MLP and Midstream Energy Fund Inc.; Trustee (since 2019), Virtus Investment Trust (13 portfolios) and
    Virtus Strategy Trust (11 portfolios); Trustee (since 2019), Virtus AllianzGI Closed-End Funds (7 portfolios); Trustee (since 2019),
    PIMCO California Municipal Income Fund, PIMCO California Municipal Income Fund II, PIMCO California Municipal Income Fund III, PIMCO
    Municipal Income Fund, PIMCO Municipal Income Fund II, PIMCO Municipal Income Fund III, PIMCO New York Municipal Income Fund, PIMCO
    New York Municipal Income Fund II, PIMCO New York Municipal Income Fund III, PIMCO Energy and Tactical Credit Opportunities Fund,
    PCM Fund,&nbsp;Inc, PIMCO Corporate&nbsp;&amp; Income Strategy Fund, PIMCO Corporate&nbsp;&amp; Income Opportunity Fund, PIMCO Dynamic
    Credit and Mortgage Income Fund, PIMCO Dynamic Income Fund, PIMCO Global StocksPLUS&reg;&nbsp;&amp; Income Fund, PIMCO High Income
    Fund, PIMCO Income Opportunity Fund, PIMCO Income Strategy Fund, PIMCO Income Strategy Fund II, PIMCO Strategic Income Fund,&nbsp;Inc.,
    PIMCO Flexible Credit Income Fund and PIMCO Flexible Municipal Income Fund; and Trustee (since 2019), PIMCO Managed Accounts Trust
    (5 portfolios).</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">Deborah A DeCotis</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">Year of Birth: 1952</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">102 Portfolios</FONT></P></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Class&nbsp;I Director served since 2021 </FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Advisory Director, Morgan Stanley&nbsp;&amp; Co.,&nbsp;Inc.
    (since 1996); Member, Circle Financial Group (since 2009); Member, Council on Foreign Relations (since 2013); Trustee, Smith College
    (since 2017); and Director, Watford Re (since 2017). Formerly, Co-Chair Special Projects Committee, Memorial Sloan Kettering (2005
    to 2015); Trustee, Stanford University (2010 to 2015); and Principal, LaLoop LLC, a retail accessories company (1999 to 2014).</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Trustee (since 2021), The Merger Fund&reg;, The Merger
    Fund&reg; VL, and Virtus Event Opportunities Trust (2 portfolios), and Virtus Global Multi-Sector Income Fund; Director (since 2021),
    Virtus Total Return Fund Inc.; Advisory Board Member (since 2021), Virtus Alternative Solutions Trust (2 portfolios), Virtus Mutual
    Fund Family (55 portfolios) and Virtus Variable Insurance Trust (8 portfolios); Advisory Board Member (February&nbsp;2021 to June&nbsp;2021),
    Duff&nbsp;&amp; Phelps Select MLP and Midstream Energy Fund Inc.; Trustee (since 2020), PIMCO Dynamic Income Opportunities Fund;
    Trustee (since 2019), PIMCO Energy and Tactical Credit Opportunities Fund and Virtus AllianzGI Artificial Intelligence&nbsp;&amp;
    Technology Opportunities Fund; Trustee (since 2018), PIMCO Flexible Municipal Income Fund; Trustee (since 2017), PIMCO Flexible Credit
    Income Fund and Virtus AllianzGI Convertible&nbsp;&amp; Income 2024 Target Term Fund; Trustee (since 2015), Virtus AllianzGI Diversified
    Income&nbsp;&amp; Convertible Fund; Trustee (since 2014), Virtus Investment Trust (13 portfolios); Trustee (since 2013), PIMCO Dynamic
    Credit and Mortgage Income Fund; Trustee (since 2012), PIMCO Dynamic Income Fund; Trustee (since 2011), Virtus Strategy Trust (11
    portfolios); Trustee (since 2011), PIMCO California Municipal Income Fund II, PIMCO California Municipal Income Fund III, PIMCO Municipal
    Income Fund, PIMCO Municipal Income Fund II, PIMCO Municipal Income Fund III, PIMCO New York Municipal Income Fund, PIMCO New York
    Municipal Income Fund II, PIMCO New York Municipal Income Fund III, PCM Fund,&nbsp;Inc., PIMCO Corporate&nbsp;&amp; Income Strategy
    Fund, PIMCO Corporate&nbsp;&amp; Income Opportunity Fund, PIMCO Global StocksPLUS&reg;&nbsp;&amp; Income Fund, PIMCO High Income
    Fund, PIMCO Income Opportunity Fund, PIMCO Income Strategy Fund, PIMCO Income Strategy Fund II, PIMCO Strategic Income Fund,&nbsp;Inc.,
    and PIMCO Managed Accounts Trust (5 portfolios); and Trustee (since 2011), Virtus AllianzGI Convertible&nbsp;&amp; Income Fund, Virtus
    AllianzGI Convertible&nbsp;&amp; Income Fund II, Virtus AllianzGI Equity&nbsp;&amp; Convertible Income Fund, and Virtus Dividend,&nbsp;Interest&nbsp;&amp;
    Premium Strategy Fund.</FONT></TD></TR>
</TABLE>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0"></P>

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<P STYLE="margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 20%"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">F. Ford Drummond</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">Year of Birth: 1962</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">102 Portfolios</FONT></P></TD>
    <TD STYLE="width: 1%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 1%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 13%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Class&nbsp;II Director served since
    2021</FONT></TD>
    <TD STYLE="width: 2%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 23%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Owner/Operator (since 1998), Drummond
    Ranch; formerly Board Member (2006 to 2020) and Chairman (2016 to 2018), Oklahoma Water Resources Board; Director (1998 to 2008),
    The Cleveland Bank; and General Counsel (1998 to 2008), BMI Health Plans (benefits administration).</FONT></TD>
    <TD STYLE="width: 1%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 1%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 38%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Trustee (since 2021), The Merger
    Fund&reg;, The Merger Fund&reg; VL, Virtus Event Opportunities Trust (2 portfolios), and Virtus Global Multi-Sector Income Fund;
    Director (since 2021), Virtus Total Return Fund Inc.; Advisory Board Member (since 2021), Virtus Alternative Solutions Trust (2 portfolios),
    Virtus Mutual Fund Family (55 portfolios) and Virtus Variable Insurance Trust (8 portfolios); Advisory Board Member (February&nbsp;2021
    to June&nbsp;2021), Duff&nbsp;&amp; Phelps Select MLP and Midstream Energy Fund Inc.; Trustee (since 2019), Virtus AllianzGI Artificial
    Intelligence&nbsp;&amp; Technology Opportunities Fund; Trustee (since 2017), Virtus AllianzGI Convertible&nbsp;&amp; Income 2024
    Target Term Fund; Trustee (since 2015), Virtus AllianzGI Convertible&nbsp;&amp; Income Fund, Virtus AllianzGI Convertible&nbsp;&amp;
    Income Fund II, Virtus AllianzGI Diversified Income&nbsp;&amp; Convertible Fund, Virtus Dividend,&nbsp;Interest&nbsp;&amp; Premium
    Strategy Fund and Virtus AllianzGI Equity&nbsp;&amp; Convertible Income Fund; Trustee (since 2014), Virtus Strategy Trust (11 portfolios);
    Director (since 2011), Bancfirst Corporation; and Trustee (since 2006), Virtus Investment Trust (13 portfolios).</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">Sidney E. Harris</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">Year of Birth: 1949</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">95 Portfolios</FONT></P></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Class&nbsp;I Director served since 2020</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Private Investor (since 2021); Professor and Dean Emeritus
    (2015 to 2021), Professor (1997 to 2014), Dean (1997 to 2004), J. Mack Robinson College of Business, Georgia State University.</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Trustee (since 2021), The Merger Fund&reg;, The Merger
    Fund&reg; VL, Virtus Event Opportunities Trust (2 portfolios), Virtus Investment Trust (13 portfolios) and Virtus Strategy Trust
    (11 portfolios); Director (2020 to 2021), Duff&nbsp;&amp; Phelps Select MLP and Midstream Energy Fund Inc.; and Director (since 2020),
    Virtus Total Return Fund Inc.; Trustee (since 2020), Virtus Global Multi-Sector Income Fund; Trustee (since 2019), Mutual Fund Directors
    Forum; Trustee (since 2017), Virtus Mutual Fund Family (55 portfolios), Virtus Variable Insurance Trust (8 portfolios), and Virtus
    Alternative Solutions Trust (2 portfolios); Trustee (2013 to 2020) and Honorary Trustee (since 2020), KIPP Metro Atlanta; Director
    (1999 to 2019), Total System Services,&nbsp;Inc.; Trustee (2004 to 2017), RidgeWorth Funds; Chairman (2012 to 2017),&nbsp;International
    University of the Grand Bassam Foundation; Trustee (since 2012),&nbsp;International University of the Grand Bassam Foundation; and
    Trustee (2011 to 2015), Genspring Family Offices, LLC.</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">John R. Mallin</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">Year of Birth: 1950</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">95 Portfolios</FONT></P></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Class&nbsp;II Director served since 2020</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Partner/Attorney (since 2003), McCarter&nbsp;&amp;
    English LLP (law firm) Real Property Practice Group; and Member (since 2014), Counselors of Real Estate.</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Trustee (since 2021), The Merger Fund&reg;, The Merger
    Fund&reg; VL, Virtus Event Opportunities Trust (2 portfolios), Virtus Investment Trust (13 portfolios) and Virtus Strategy Trust
    (11 portfolios); Director (2020 to 2021), Duff&nbsp;&amp; Phelps Select MLP and Midstream Energy Fund Inc.; Director (since 2020),
    Virtus Total Return Fund Inc.; Trustee (since 2020), Virtus Global Multi-Sector Income Fund; Trustee (since 2016), Virtus Mutual
    Fund Family (55 portfolios) and Virtus Alternative Solutions Trust (2 portfolios); Director (since 2019), 1892 Club,&nbsp;Inc. (non-profit);
    Director (2013 to 2020), Horizons,&nbsp;Inc. (non-profit); and Trustee (since 1999), Virtus Variable Insurance Trust (8 portfolios).</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">Connie D. McDaniel</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">Year of Birth: 1958</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">95 Portfolios</FONT></P></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Class&nbsp;III Director served since 2020</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Retired (since 2013). Vice President, Chief of Internal
    Audit, Corporate Audit Department (2009 to 2013); Vice President Global Finance Transformation (2007 to 2009); Vice President and
    Controller (1999 to 2007), The Coca-Cola Company.</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Trustee (since 2021), The Merger Fund&reg;, The Merger
    Fund&reg; VL, Virtus Event Opportunities Trust (2 portfolios), Virtus Investment Trust (13 portfolios) and Virtus Strategy Trust
    (11 portfolios); Director (2020 to 2021), Duff&nbsp;&amp; Phelps Select MLP and Midstream Energy Fund Inc.; Director (since 2020),
    Virtus Total Return Fund Inc.; Trustee (since 2020), Virtus Global Multi-Sector Income Fund; Director (since 2019), Global Payments
    Inc.; Trustee (since 2017), Virtus Mutual Fund Family (55 portfolios), Virtus Variable Insurance Trust (8 portfolios), and Virtus
    Alternative Solutions Trust (2 portfolios); Director (since 2021), North Florida Land Trust; Director (2014 to 2019), Total System
    Services,&nbsp;Inc.; Member (since 2011) and Chair (2014 to 2016), Georgia State University, Robinson College of Business Board of
    Advisors; and Trustee (2005 to 2017), RidgeWorth Funds.</FONT></TD></TR>
</TABLE>

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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 20%"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">Philip R.
                           McLoughlin</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">Year of Birth: 1946</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">105 Portfolios</FONT></P></TD>
    <TD STYLE="width: 1%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 1%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 13%"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">Chairman</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">Class&nbsp;II Director served since
    2014</FONT></P></TD>
    <TD STYLE="width: 2%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 23%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Retired.</FONT></TD>
    <TD STYLE="width: 1%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 1%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 38%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Trustee (since 2021), The Merger
    Fund&reg;, The Merger Fund&reg; VL, Virtus Event Opportunities Trust (2 portfolios), Virtus Investment Trust (13 portfolios), Virtus
    Strategy Trust (11 portfolios), Virtus AllianzGI Artificial Intelligence&nbsp;&amp; Technology Opportunities Fund, Virtus AllianzGI
    Convertible&nbsp;&amp; Income Fund II, Virtus AllianzGI Diversified Income&nbsp;&amp; Convertible Fund, Virtus AllianzGI Equity&nbsp;&amp;
    Convertible Income Fund and Virtus Dividend,&nbsp;Interest&nbsp;&amp; Premium Strategy Fund; Trustee (since 2022) and Advisory Board
    Member (2021), Virtus AllianzGI Convertible&nbsp;&amp; Income 2024 Target Term Fund and Virtus AllianzGI Convertible&nbsp;&amp; Income
    Fund; Director and Chairman (since 2016), Virtus Total Return Fund Inc.; Director and Chairman (2016 to 2019), the former Virtus
    Total Return Fund Inc.; Director and Chairman (2014 to 2021), Duff&nbsp;&amp; Phelps Select MLP and Midstream Energy Fund Inc.; Trustee
    and Chairman (since 2013), Virtus Alternative Solutions Trust (2 portfolios); Trustee and Chairman (since 2011), Virtus Global Multi-Sector
    Income Fund; Chairman and Trustee (since 2003), Virtus Variable Insurance Trust (8 portfolios); Director (since 1995), closed-end
    funds managed by Duff&nbsp;&amp; Phelps Investment Management Co. (3 funds); Director (1991 to 2019) and Chairman (2010 to 2019),
    Lazard World Trust Fund (closed-end investment firm in Luxembourg); and Trustee (since 1989) and Chairman (since 2002), Virtus Mutual
    Fund Family (55 portfolios).</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">Geraldine M. McNamara</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">Year of Birth: 1949</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">95 Portfolios</FONT></P></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Class&nbsp;III Director served since 2020</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Retired.</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Trustee (since 2021), The Merger Fund&reg;, The Merger
    Fund&reg; VL, Virtus Event Opportunities Trust (2 portfolios), Virtus Investment Trust (13 portfolios) and Virtus Strategy Trust
    (11 portfolios); Director (2020 to 2021), Duff&nbsp;&amp; Phelps Select MLP and Midstream Energy Fund Inc.; Director (since 2020),
    Virtus Total Return Fund Inc.; Trustee (since 2020), Virtus Global Multi-Sector Income Fund; Trustee (since 2016) Virtus Alternative
    Solutions Trust (2 portfolios); Trustee (since 2015), Virtus Variable Insurance Trust (8 portfolios); Director (since 2003), closed-end
    funds managed by Duff&nbsp;&amp; Phelps Investment Management Co. (3 funds); and Trustee (since 2001), Virtus Mutual Fund Family
    (55 portfolios).</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">R. Keith Walton</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">Year of Birth: 1964</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">102 Portfolios</FONT></P></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Class&nbsp;III Director served since 2004</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Managing Director (2020 to 2021), Lafayette Square
    Holding Company LLC; Venture and Operating Partner (since 2020), Plexo Capital, LLC; Venture Partner (since 2019) and Senior Adviser
    (2018 to 2019), Plexo, LLC; Senior Adviser (2018 to 2019), Vatic Labs, LLC; Executive Vice President, Strategy (2017 to 2019), Zero
    Mass Water, LLC; Vice President, Strategy (2013 to 2017), Arizona State University; Partner (since 2006), Global Infrastructure Partners.</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Trustee (since 2022), Virtus AllianzGI Diversified
    Income&nbsp;&amp; Convertible Fund; Advisory Board Member (since 2022), Virtus AllianzGI Artificial Intelligence&nbsp;&amp; Technology
    Opportunities Fund, Virtus AllianzGI Convertible&nbsp;&amp; Income 2024 Target Term Fund, Virtus AllianzGI Convertible&nbsp;&amp;
    Income Fund, Virtus AllianzGI Convertible&nbsp;&amp; Income Fund II, Virtus AllianzGI Equity&nbsp;&amp; Convertible Income Fund and
    Virtus Dividend,&nbsp;Interest&nbsp;&amp; Premium Strategy Fund; Trustee (since 2021), The Merger Fund&reg;, The Merger Fund&reg;
    VL, Virtus Event Opportunities Trust (2 portfolios), Virtus Investment Trust (13 portfolios) and Virtus Strategy Trust (11 portfolios);
    Trustee (since 2020) Virtus Alternative Solutions Trust (2 portfolios), Virtus Variable Insurance Trust (8 portfolios) and Virtus
    Mutual Fund Family (55 portfolios); Director (since 2017), certain funds advised by Bessemer Investment Management LLC; Director
    (2016 to 2021), Duff&nbsp;&amp; Phelps Select MLP and Midstream Energy Fund Inc.; Trustee (since 2016), Virtus Global Multi-Sector
    Income Fund; Director (2006 to 2019), Systematica Investments Limited Funds; Director (2006 to 2017), BlueCrest Capital Management
    Funds; Trustee (2014 to 2017), AZ Service; Director (since 2004), Virtus Total Return Fund Inc.; and Director (2004 to 2019), the
    former Virtus Total Return Fund Inc.</FONT></TD></TR>
</TABLE>

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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="width: 20%"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">Brian T.
                           Zino</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">Year of Birth: 1952</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">102 Portfolios</FONT></P></TD>
    <TD STYLE="width: 1%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 1%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 13%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Class&nbsp;III Director served since
    2014</FONT></TD>
    <TD STYLE="width: 2%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 23%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Retired. Various roles (1982 to
    2009), J.&nbsp;&amp; W. Seligman&nbsp;&amp; Co. Incorporated, including President (1994 to 2009).</FONT></TD>
    <TD STYLE="width: 1%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 1%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 38%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Trustee (since 2021), The Merger
    Fund&reg;, The Merger Fund&reg; VL, Virtus Event Opportunities Trust (2 portfolios) Virtus Investment Trust (13 portfolios) and Virtus
    Strategy Trust (11 portfolios); Trustee (since 2022) and Advisory Board Member (2021), Virtus AllianzGI Closed-End Funds (7 portfolios);
    Trustee (since 2020) Virtus Alternative Solutions Trust (2 portfolios), Virtus Variable Insurance Trust (8 portfolios) and Virtus
    Mutual Fund Family (55 portfolios); Director (2016 to 2021), Duff&nbsp;&amp; Phelps Select MLP and Midstream Energy Fund Inc.; Trustee
    (since 2016), Virtus Global Multi-Sector Income Fund; Director (since 2014), Virtus Total Return Fund Inc.; Director (2014 to 2019),
    the former Virtus Total Return Fund Inc.; Trustee (since 2011), Bentley University; Director (1986 to 2009) and President (1994 to
    2009), J&amp;W Seligman Co. Inc.; Director (1998 to 2009), Chairman (2002 to 2004) and Vice Chairman (2000 to 2002),&nbsp;ICI Mutual
    Insurance Company; Member, Board of Governors of ICI (1998 to 2008).</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><U>INTERESTED DIRECTOR</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 8pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="font-size: 8pt">
    <TD STYLE="border-bottom: black 1pt solid; font-size: 8pt; text-align: left; vertical-align: bottom; width: 20%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Name,
    Year of Birth and<BR>
    Number of Portfolios in Fund<BR>
    Complex Overseen by<BR>
    Director</B></FONT></TD>
    <TD STYLE="font-size: 8pt; text-align: left; vertical-align: bottom; width: 1%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 8pt; text-align: center; vertical-align: bottom; width: 1%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; font-size: 8pt; vertical-align: bottom; width: 13%; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Term
    of Office <BR>
    and Length of <BR>
    Time Served<SUP>(1)</SUP></B></FONT></TD>
    <TD STYLE="font-size: 8pt; text-align: center; vertical-align: bottom; width: 2%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; font-size: 8pt; text-align: center; vertical-align: bottom; width: 23%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Principal
    Occupation(s)<BR>
During Past<BR>
    Five Years</B></FONT></TD>
    <TD STYLE="font-size: 8pt; text-align: center; vertical-align: bottom; width: 1%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 8pt; text-align: center; vertical-align: bottom; width: 1%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; font-size: 8pt; text-align: center; vertical-align: bottom; width: 38%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Other
    Directorships/Trusteeships<BR>
 Held During Past<BR>
 Five Years</B></FONT></TD></TR>
  <TR STYLE="font-size: 8pt; vertical-align: top; background-color: White">
    <TD STYLE="font-size: 8pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 8pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 8pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 8pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 8pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 8pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 8pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 8pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 8pt; padding-left: 0.35in; text-indent: -0.35in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-size: 8pt; vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 8pt"><P STYLE="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">George
                               R. Aylward*</FONT></P>
    <P STYLE="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">Year of Birth: 1964</FONT></P>
    <P STYLE="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>
    <P STYLE="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">107 Portfolios</FONT></P></TD>
    <TD STYLE="font-size: 8pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 8pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 8pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Class&nbsp;II Director served
    since 2006</FONT></TD>
    <TD STYLE="font-size: 8pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 8pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Director, President and Chief
    Executive Officer (since 2008), Virtus Investment Partners,&nbsp;Inc. and/or certain of its subsidiaries, and various senior officer
    positions with Virtus affiliates (since 2005).</FONT></TD>
    <TD STYLE="font-size: 8pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 8pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 8pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Member, Board of Governors of
    the Investment Company Institute (since 2021); Trustee and President (since 2021), The Merger Fund&reg;, The Merger Fund&reg; VL;
    Virtus Event Opportunities Trust (2 portfolios), Virtus Investment Trust (13 portfolios) and Virtus Strategy Trust (11 portfolios);
    Trustee, President and Chief Executive Officer (since 2021), Virtus AllianzGI Closed-End Funds (7 portfolios); Chairman and Trustee
    (since 2015), Virtus ETF Trust II (5 portfolios); Director, President and Chief Executive Officer (2014 to 2021), Duff&nbsp;&amp;
    Phelps Select MLP and Midstream Energy Fund Inc.; Trustee and President (since 2013), Virtus Alternative Solutions Trust (2 portfolios);
    Director (since 2013), Virtus Global Funds, PLC (5 portfolios); Trustee (since 2012) and President (since 2010), Virtus Variable
    Insurance Trust (8 portfolios); Trustee, President and Chief Executive Officer (since 2011), Virtus Global Multi-Sector Income Fund;
    Trustee and President (since 2006) and Executive Vice President (2004 to 2006), Virtus Mutual Fund Family (55 portfolios); Director,
    President and Chief Executive Officer (since 2006), Virtus Total Return Fund Inc.; and Director, President and Chief Executive Officer
    (2006 to 2019), the former Virtus Total Return Fund Inc.</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">*Mr.&nbsp;Aylward is an &ldquo;interested person,&rdquo; as defined
in the 1940 Act, by reason of his position as President and Chief Executive Officer of Virtus, the ultimate parent company of the Investment
Adviser and Subadvisers, and various positions with its affiliates.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">(1)&nbsp;Each Director currently serves a one to three-year term concurrent
with the class of Directors for which he or she serves.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><U>ADVISORY BOARD MEMBER</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 8pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="vertical-align: bottom; width: 20%; border-bottom: black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Name, Year of Birth and<BR>
 Number of Portfolios in Fund<BR>
 Complex Overseen by<BR>
 Director</B></FONT></TD>
    <TD STYLE="text-align: center; vertical-align: top; width: 1%">&nbsp;</TD>
    <TD STYLE="text-align: center; vertical-align: top; width: 1%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; vertical-align: bottom; width: 13%; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Term of Office <BR>
and Length of <BR>
Time Served</B></FONT></TD>
    <TD STYLE="text-align: center; vertical-align: top; width: 2%">&nbsp;</TD>
    <TD STYLE="text-align: center; vertical-align: bottom; width: 23%; border-bottom: black 1pt solid; padding-left: 1.8pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Principal Occupation(s)<BR>
During Past<BR>
 Five Years</B></FONT></TD>
    <TD STYLE="text-align: center; vertical-align: top; width: 1%">&nbsp;</TD>
    <TD STYLE="text-align: center; vertical-align: top; width: 1%">&nbsp;</TD>
    <TD STYLE="text-align: center; vertical-align: bottom; width: 38%; border-bottom: black 1pt solid; padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Other Directorships/Trusteeships<BR>
 Held During Past <BR>
Five Years</B></FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 0.35in; text-indent: -0.35in">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">William R. Moyer</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Year of Birth: 1944</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">95 Portfolios</P></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Advisory Board Member;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">served since 2020, and term expires May&nbsp;2022</P></TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Private investor (since 2004); and Financial and Operations Principal (2006 to 2017), Newcastle Distributors LLC (broker dealer).</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Advisory Board Member (since 2021), The Merger Fund&reg;, The Merger Fund&reg; VL, Virtus Event Opportunities Trust (2 portfolios), Virtus Investment Trust (13 portfolios) and Virtus Strategy Trust (11 portfolios); Advisory Board Member (since 2020), Virtus Variable Insurance Trust (8 portfolios) and Virtus Mutual Fund Family (55 portfolios); Advisory Board Member (since 2020) and Director (2016 to 2019), Virtus Total Return Fund Inc.; Director (2016 to 2019), the former Virtus Total Return Fund Inc.; Advisory Board Member (2020 to 2021) and Director (2014 to 2019), Duff&nbsp;&amp; Phelps Select MLP and Midstream Energy Fund Inc.; Advisory Board Member (since 2020) and Trustee (2011 to 2019), Virtus Global Multi-Sector Income Fund; Advisory Board Member (since 2020) and Trustee (2013 to 2016), Virtus Alternative Solutions Trust (2 portfolios).</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><U>OFFICERS WHO ARE NOT DIRECTORS</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; width: 20%">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Name and Year of Birth</B></P></TD>
    <TD STYLE="padding-bottom: 1pt; width: 2%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center; width: 25%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Position(s)&nbsp;Held with the Fund<BR>
 and Length of Time Served</B></FONT></TD>
    <TD STYLE="padding-bottom: 1pt; width: 2%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; width: 51%">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Principal Occupation(s)&nbsp;and<BR>
Other Directorships Held<BR>
During Past 5 Years</B></P></TD></TR>
  <TR STYLE="background-color: #CCEEFF">
    <TD STYLE="vertical-align: top">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 12pt; text-indent: -12pt; background-color: #CCEEFF">Peter Batchelor</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: #CCEEFF">&nbsp;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 12pt; text-indent: -12pt; background-color: #CCEEFF">Year of Birth:
    1970</P></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Senior Vice President (since 2017) and Vice President (2016 to 2017).</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Senior Vice President, Product Development (since 2017), Vice President, Product Development (2008 to 2016), and various officer positions (since 2008), Virtus Investment Partners,&nbsp;Inc. and/or certain of its subsidiaries; Senior Vice President (since 2021), The Merger Fund&reg;, The Merger Fund&reg; VL, Virtus Event Opportunities Trust; Virtus AllianzGI Closed-End Funds, Virtus Investment Trust and Virtus Strategy Trust; Senior Vice President (since 2017) and Vice President (2008 to 2016), Virtus Mutual Fund Family; Senior Vice President (since 2017) and Vice President (2010 to 2016), Virtus Variable Insurance Trust; Senior Vice President (since 2017) and Vice President (2013 to 2016), Virtus Alternative Solutions Trust; Senior Vice President (since 2017) and Vice President (2016 to 2017), Duff&nbsp;&amp; Phelps Select MLP and Midstream Energy Fund Inc., Virtus Total Return Fund Inc. and Virtus Global Multi-Sector Income Fund; and Senior Vice President (2017 to 2019) and Vice President (2016 to 2017), the former Virtus Total Return Fund Inc.</FONT></TD></TR>  <TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 12pt; text-indent: -12pt">W. Patrick Bradley</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 12pt; text-indent: -12pt">Year of Birth: 1972</P></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Executive Vice President (since 2016); Senior Vice President (2013 to 2016); Vice President (2012 to 2013); Chief Financial Officer and Treasurer (since 2010).</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Executive Vice President, Fund Services (since 2016), Senior Vice President, Fund Services (2010 to 2016), and various officer positions (since 2006), Virtus Investment Partners,&nbsp;Inc. and/or certain of its subsidiaries; Executive Vice President, Chief Financial Officer and Treasurer (since 2021), The Merger Fund&reg;, The Merger Fund&reg; VL, Virtus Event Opportunities Trust, Virtus AllianzGI Closed-End Funds, Virtus Investment Trust, and Virtus Strategy Trust; Director (since 2019), Virtus Global Funds ICAV; Executive Vice President (since 2016), Senior Vice President (2013 to 2016), Vice President (2011 to 2013), Chief Financial Officer and Treasurer (since 2004), Virtus Variable Insurance Trust; Executive Vice President (since 2016), Senior Vice President (2013 to 2016), Vice President (2011 to 2013), Chief Financial Officer and Treasurer (since 2006), Virtus Mutual Fund Family; Executive Vice President (since 2016), Senior Vice President (2013 to 2016), Vice President (2012 to 2013) and Chief Financial Officer and Treasurer (since 2010), Virtus Total Return Fund Inc.; Executive Vice President (2016 to 2019), Senior Vice President (2013 to 2016), Vice President (2012 to 2013), Chief Financial Officer and Treasurer (since 2010), the former Virtus Total Return Fund Inc.; Executive Vice President (since 2016), Senior Vice President (2013 to 2016), Vice President (2011 to 2013), Chief Financial Officer and Treasurer (since 2011), Virtus Global Multi-Sector Income Fund; Executive Vice President (since 2016), Senior Vice President (2014 to 2016), Chief Financial Officer and Treasurer (since 2014), Duff&nbsp;&amp; Phelps Select MLP and Midstream Energy Fund Inc.; Executive Vice President (since 2016), Senior Vice President (2013 to 2016), and Chief Financial Officer and Treasurer (since 2013), Virtus Alternative Solutions Trust; Director (since 2013), Virtus Global Funds, PLC; and Vice President and Assistant Treasurer (since 2011), Duff&nbsp;&amp; Phelps Utility and Infrastructure Fund Inc.</FONT></TD></TR></TABLE>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0"></P>

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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="background-color: #CCEEFF">
    <TD STYLE="vertical-align: top; width: 20%">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 12pt; text-indent: -12pt; background-color: #CCEEFF">Nancy J. Engberg</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: #CCEEFF">&nbsp;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 12pt; text-indent: -12pt; background-color: #CCEEFF">Year of Birth:
    1956</P></TD>
    <TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 25%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Senior Vice President (since 2017), Vice President (2012 to 2017) and Chief Compliance Officer (since 2012). Ms.&nbsp;Engberg has announced her retirement effective June&nbsp;2022.</FONT></TD>
    <TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 51%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Senior Vice President (since 2017), Vice President (2008 to 2017) and Chief Compliance Officer (2008 to 2011 and since 2016), and various officer positions (since 2003), Virtus Investment Partners,&nbsp;Inc. and/or certain of its subsidiaries; Senior Vice President and Chief Compliance Officer (since 2021), The Merger Fund&reg;, The Merger Fund&reg; VL, Virtus Event Opportunities Trust, Virtus AllianzGI Closed-End Funds, Virtus Investment Trust, and Virtus Strategy Trust; Senior Vice President (since 2017), Vice President (2011 to 2017) and Chief Compliance Officer (since 2011), Virtus Mutual Fund Family; Senior Vice President (since 2017), Vice President (2010 to 2017) and Chief Compliance Officer (since 2011), Virtus Variable Insurance Trust; Senior Vice President (since 2017), Vice President (2011 to 2017) and Chief Compliance Officer (since 2011), Virtus Global Multi-Sector Income Fund; Senior Vice President (since 2017), Vice President (2012 to 2017) and Chief Compliance Officer (since 2012), Virtus Total Return Fund Inc.; Senior Vice President (2017 to 2019), Vice President (2012 to 2017) and Chief Compliance Officer (since 2012), the former Virtus Total Return Fund Inc.; Senior Vice President (since 2017), Vice President (2013 to 2016) and Chief Compliance Officer (since 2013), Virtus Alternative Solutions Trust; Senior Vice President (since 2017), Vice President (2014 to 2017) and Chief Compliance Officer (since 2014), Duff&nbsp;&amp; Phelps Select MLP and Midstream Energy Fund Inc.; Chief Compliance Officer (since 2015), ETFis Series&nbsp;Trust I; and Chief Compliance Officer (since 2015), Virtus ETF Trust II.</FONT></TD></TR>  <TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 12pt; text-indent: -12pt">Jennifer Fromm</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 12pt; text-indent: -12pt">Year of Birth: 1973</P></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Vice President, Chief Legal Officer, Counsel and Secretary (since 2020).</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Vice President (since 2016) and Senior Counsel (since 2007), Virtus Investment Partners,&nbsp;Inc. and/or certain of its subsidiaries; Vice President, Chief Legal Officer, Counsel and Secretary (since 2021), The Merger Fund&reg;, The Merger Fund&reg; VL, Virtus Event Opportunities Trust, Virtus Investment Trust and Virtus Strategy Trust; Vice President and Assistant Secretary (since 2021), Virtus AllianzGI Closed-End Funds; Vice President and Secretary (since 2020), DNP Select Income Fund Inc., Duff&nbsp;&amp; Phelps Utility and Infrastructure Fund Inc., and DTF Tax-Free Income Inc.; Assistant Secretary (since 2020), Duff&nbsp;&amp; Phelps Utility and Corporate Bond Trust Inc.; Vice President, Chief Legal Officer and Secretary (2020 to 2021), Duff&nbsp;&amp; Phelps Select MLP and Midstream Energy Fund Inc., Vice President, Chief Legal Officer and Secretary (since 2020), Virtus Total Return Fund Inc. and Virtus Global Multi-Sector Income Fund; Vice President (since 2017) and Assistant Secretary (since 2008), Virtus Mutual Funds Family; Vice President, Chief Legal Officer, and Secretary (since 2013), Virtus Variable Insurance Trust; and Vice President, Chief Legal Officer, and Secretary (since 2013), Virtus Alternative Solutions Trust.</FONT></TD></TR></TABLE>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0"></P>

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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="background-color: #CCEEFF">
    <TD STYLE="vertical-align: top; width: 20%">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: #CCEEFF">Julia R. Short</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: #CCEEFF">&nbsp;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 12pt; text-indent: -12pt; background-color: #CCEEFF">Year of Birth:
    1972</P></TD>
    <TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 25%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Senior Vice President (since 2018).</FONT></TD>
    <TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 51%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Senior Vice President, Product Development (since 2017), Virtus Investment Partners,&nbsp;Inc. and/or certain of its subsidiaries; Senior Vice President (since 2021), The Merger Fund&reg;, The Merger Fund&reg; VL, Virtus Event Opportunities Trust, Virtus AllianzGI Closed-End Funds, Virtus Investment Trust, and Virtus Strategy Trust; Senior Vice President (since 2018), Duff&nbsp;&amp; Phelps Select MLP and Midstream Energy Fund Inc., Virtus Global Multi-Sector Income Fund and Virtus Total Return Fund Inc.; Senior Vice President (2018 to 2019), the former Virtus Total Return Fund Inc.; Senior Vice President (since 2017), Virtus Mutual Fund Family; President and Chief Executive Officer, RidgeWorth Funds (2007 to 2017); and Managing Director, Product Manager, RidgeWorth Investments (2004 to 2017).</FONT></TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 12pt; text-indent: -12pt">Richard W. Smirl</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 12pt; text-indent: -12pt">Year of Birth: 1967</P></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Executive Vice President (since 2021).</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Executive Vice President, Product Management (since 2021), and Executive Vice President and Chief Operating Officer (since 2021), Virtus Investment Partners,&nbsp;Inc. and/or certain of its subsidiaries; Executive Vice President (since 2021), The Merger Fund&reg;, The Merger Fund&reg; VL, Virtus Event Opportunities Trust, Virtus AllianzGI Closed-End Funds, Virtus Investment Trust, Virtus Strategy Trust, Virtus Global Multi-Sector Income Fund, Virtus Mutual Fund Family, and Virtus Total Return Fund Inc.; Executive Vice President (May&nbsp;to June&nbsp;2021), Duff&nbsp;&amp; Phelps Select MLP and Midstream Energy Fund Inc.; Chief Operating Officer (2018 to 2021), Russell Investments; Executive Director (Jan.&nbsp;to July&nbsp;2018), State of Wisconsin Investment Board; and Partner and Chief Operating Officer (2004 to 2018), William Blair Investment Management.</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Director Qualifications</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Following is a summary of various qualifications, experiences and skills
of each Director (in addition to business experience during the past five&nbsp;years as set forth in the table above) that contributed
to the Board&rsquo;s conclusion that an individual should serve on the Board. References to the qualifications, attributes and skills
of a Director do not constitute the holding out of any Director as being an expert under Section&nbsp;7 of the Securities Act of 1933,
as amended, or the rules&nbsp;and regulations of the SEC.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><I>George
R. Aylward</I></FONT>.&nbsp;&nbsp;&nbsp;In addition to his positions with the Fund, Mr.&nbsp;Aylward is a Director and the President and
Chief Executive Officer of Virtus Investment Partners,&nbsp;Inc., the ultimate parent company of the Adviser. He also holds various executive
positions with the Adviser, the Fund's subadvisers, and various of their affiliates, and previously held such positions with the
former parent company of Virtus. He therefore has experience in all aspects of the development and management of registered investment
companies, and the handling of various financial, staffing, regulatory and operational issues. Mr.&nbsp;Aylward is a certified public
accountant and holds an MBA, and he also serves as an officer and director/trustee of several open-end and closed-end funds managed by
the Adviser and its affiliates.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><I>Donald
C. Burke</I></FONT>.&nbsp;&nbsp;&nbsp;Mr.&nbsp;Burke, currently retired, has extensive experience with mutual funds, including as president
and Chief Executive Officer of a major fund complex, and subsequently as an independent trustee of another major fund complex. He also
has extensive knowledge of the utility industry, derived from his service on the board of a public company involved in the production,
transmission and distribution of energy. He is also a director/trustee of several open-end and closed-end funds managed by the Adviser
and its affiliates.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><I>Sarah
E. Cogan</I></FONT>.&nbsp;&nbsp;&nbsp;Ms.&nbsp;Cogan has substantial legal background and experience in the investment management industry.
She was a partner at Simpson Thacher&nbsp;&amp; Bartlett LLP, a large international law firm, in the corporate department for over 25&nbsp;years
and former head of the registered funds practice. She has extensive experience in oversight of investment company boards through her experience
as counsel to the former Independent Trustees of the series of the Trusts now known as Virtus Investment Trust and Virtus Strategy Trust
and as counsel to other independent trustees, investment companies and asset management firms. Ms.&nbsp;Cogan is also a trustee of several
open-end and closed-end funds managed by the Adviser&rsquo;s affiliates.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><I>Deborah
A. DeCotis</I></FONT>.&nbsp;&nbsp;&nbsp;Ms.&nbsp;DeCotis has substantial senior executive experience in the investment banking industry,
having served as a Managing Director for Morgan Stanley. She has extensive board experience and/or experience in oversight of investment
management functions through her experience as a trustee of Stanford University and Smith College and as a director of Armor Holdings
and The Helena Rubinstein Foundation, Stanford Graduate School of Business. Ms.&nbsp;DeCotis is also a trustee of several open-end and
closed-end funds managed by the Adviser&rsquo;s affiliates.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><I>F.
Ford Drummond</I></FONT>.&nbsp;&nbsp;&nbsp;Mr.&nbsp;Drummond has substantial legal background and experience in the oversight and management
of regulated companies through his work as General Counsel of BMI Health Plans, a benefits administrator. He has substantial board experience
in the banking sector as a director of BancFirst Corporation, Oklahoma&rsquo;s largest state chartered bank, and as a former director
of The Cleveland Bank. Mr.&nbsp;Drummond also is a past chairman and member of the Oklahoma Water Resources Board, which provides tax
exempt financing for water infrastructure projects in the state. Mr.&nbsp;Drummond is also a trustee of several open-end and closed-end
funds managed by the Adviser&rsquo;s affiliates.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><I>Sidney
E. Harris</I></FONT>.&nbsp;&nbsp;&nbsp;Dr.&nbsp;Sidney Harris has extensive knowledge of best practices in executive management, familiarity
with international business practices and expertise in corporate strategy implementation, risk management, technology, asset management
compliance and investments. Until recently Dr.&nbsp;Harris was a Professor and Dean Emeritus at the J. Mack Robinson College of Business
at Georgia State University. He was affiliated with the J. Mack Robinson College of Business from 1997 to 2021, including serving as Professor
(1997 to 2014) and Dean (1997 to 2004). Most recently, Dr.&nbsp;Harris was Professor of Computer Information Systems, Management and International
Business. Prior to joining Georgia State University, Dr.&nbsp;Harris was Professor (1987 to 1996) and former Dean (1991 to 1996) of the
Peter F. Drucker Graduate School of Management at Claremont Graduate University (currently Peter F. Drucker and Masotoshi Ito Graduate
School of Management). He served as Independent Trustee of the RidgeWorth Funds Board of Trustees (2004 to 2017) and as Independent Chairman
(2007 to 2017). He served as a member of the RidgeWorth Funds Governance and Nominating Committee (2004 to 2017) and Audit Committee (2006
to 2017). Dr.&nbsp;Harris previously served on the Board of Transamerica Investors (1995 to 2005). Dr.&nbsp;Harris previously served as
a Director of Total System Services,&nbsp;Inc. (1999 to 2019). He served on the Board of Directors of KIPP Metro Atlanta, served as Chairman
of the International University of the Grand-Bassam (&ldquo;IUGB&rdquo;) Foundation (2012 to 2017), and serves on the Board of Directors
of the IUGB Foundation (since 2012). Dr.&nbsp;Harris also serves as a Trustee of the Mutual Funds Directors Forum (since 2019), and he
serves as a director/ trustee of several open-end and closed-end funds managed by the Adviser and its affiliates.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><I>John
R. Mallin</I></FONT>.&nbsp;&nbsp;&nbsp;Mr.&nbsp;Mallin is a real estate partner and former practice group leader for the Real Property
Practice Group at McCarter&nbsp;&amp; English LLP. During his career, he has been involved in all aspects of real estate development and
financial transactions related to real estate. Mr.&nbsp;Mallin also has oversight and corporate governance experience as a director, including
as a chair, of non-profit entities. Mr.&nbsp;Mallin is also a director/trustee of several open-end and closed-end funds managed by the
Adviser and its affiliates.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><I>Connie
D. McDaniel</I></FONT>.&nbsp;&nbsp;&nbsp;Ms.&nbsp;McDaniel, currently retired, has extensive domestic and international business experience,
particularly with respect to finance, strategic planning, risk management and risk assessment functions. She is retired from The Coca-Cola
Company, where she served as Vice President and Chief of Internal Audit, Corporate Audit Department (2009 to 2013), Vice President, Global
Finance Transformation (2007 to 2009), Vice President and Controller (1999 to 2007), and held various management positions (1989 to 1999).
While at The Coca-Cola Company, Ms.&nbsp;McDaniel chaired that company&rsquo;s Ethics and Compliance Committee (2009 to 2013) and developed
a knowledge of corporate governance matters. Prior to The Coca-Cola Company, she was associated with Ernst&nbsp;&amp; Young (1980 to 1989).
Ms.&nbsp;McDaniel served as Independent Trustee of the RidgeWorth Funds Board of Trustees from 2005 to 2017. She was Chairman of the RidgeWorth
Funds Audit Committee (2008 to 2017), designated Audit Committee Financial Expert (2007 to 2017) and a member of the RidgeWorth Funds
Governance and Nominating Committee (2015 to 2017). Ms.&nbsp;McDaniel also served as a Director of Total System Services,&nbsp;Inc. (2014
to 2019) and currently serves as a Director of Global Payments Inc. and as Chair of the Georgia State University Robinson College of Business
Board of Advisors. She is also a director/trustee of several open-end and closed-end funds managed by the Adviser and its affiliates.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><I>Philip
R. McLoughlin</I></FONT>.&nbsp;&nbsp;&nbsp;Mr.&nbsp;McLoughlin has an extensive legal, financial and asset management background. In 1971,
he joined Phoenix Investment Partners,&nbsp;Ltd. (then, Phoenix Equity Planning Corp.), the predecessor of Virtus Investment Partners,&nbsp;Inc.,
as Assistant Counsel with responsibility for various compliance and legal functions. During his tenure, Mr.&nbsp;McLoughlin assumed responsibility
for most functions in the firm&rsquo;s advisory, broker-dealer and fund management operations, and eventually ascended to the role of
President. Mr.&nbsp;McLoughlin then served as General Counsel, and later Chief Investment Officer, of Phoenix Mutual Life Insurance Company,
the parent company of Phoenix Investment Partners. Among other functions, he served as the senior management liaison to the boards of
directors of the insurance company&rsquo;s mutual funds and closed-end funds, and had direct oversight responsibility for the funds&rsquo;
portfolio managers. In 1994, Mr.&nbsp;McLoughlin was named Chief Executive Officer of Phoenix Investment Partners, and continued in that
position, as well as Chief Investment Officer of Phoenix Mutual Life Insurance Company, until his retirement in 2002. He is also a director/
trustee of several open-end and closed-end funds managed by the Adviser and its affiliates.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><I>Geraldine
M. McNamara</I></FONT>.&nbsp;&nbsp;&nbsp;Ms.&nbsp;McNamara was an executive at U.S. Trust Company of New York for 24&nbsp;years, where
she rose to the position of Managing Director. Her responsibilities at U.S. Trust included the oversight of U.S. Trust&rsquo;s personal
banking business. In addition to her managerial and banking experience, Ms.&nbsp;McNamara has experience in advising individuals on their
personal financial management, which has given her an enhanced understanding of the goals and expectations that individual investors may
have. Ms.&nbsp;McNamara is also a director/trustee of several open-end and closed-end funds managed by the Adviser and its affiliates.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><I>R.
Keith Walton</I></FONT>.&nbsp;&nbsp;&nbsp;Mr.&nbsp;Walton&rsquo;s business and legal background, and his extensive service with other
boards, provide valuable insight to the Board and its committees regarding corporate governance and best practices. He is an honors graduate
of Yale College and the Harvard Law School. Mr.&nbsp;Walton was a Director of Systematica Investments Limited Funds (2006 to 2019) and
a Director of BlueCrest Capital Management Funds (2006 to 2017). He is also the founding Principal and Chief Administrative Officer at
Global Infrastructure Partners (since 2006). Mr.&nbsp;Walton is also a director/trustee of several open-end and closed-end funds managed
by the Adviser and its affiliates.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><I>Brian
T. Zino</I></FONT>.&nbsp;&nbsp;&nbsp;Mr.&nbsp;Zino, currently retired, was employed by J.&nbsp;&amp; W. Seligman and Co. Inc., a privately
held New York City investment firm managing Closed End Investment Companies, a family of mutual funds, institutional accounts and operating
a trust company (1998 to 2009). For the last 15 of those&nbsp;years, he served as president and CEO of Seligman. His extensive mutual
fund, financial and business background and&nbsp;years of service as a director of a large non-affiliated family of both open- and closed-end
funds bring valuable skills and business judgment to the Board and its committees. Mr.&nbsp;Zino is also a certified public accountant
and has an extensive background in accounting matters relating to investment companies. He also served as a Director (1998 to 2009), Chairman
(2002 to 2004) and Vice Chairman (2000 to 2002) on the board of the ICI Mutual Insurance Company and as a Member of the Board of Governors
of ICI (1998 to 2008). Mr.&nbsp;Zino is also a director/trustee of several open-end and closed-end funds managed by the Adviser and its
affiliates.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Advisory Board Member Qualifications</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><I>William
R. Moyer.</I></FONT>&nbsp;&nbsp;&nbsp;Mr.&nbsp;Moyer has substantial experience in the asset management and accounting industries. Previously,
he served for a number of&nbsp;years as Executive Vice President and Chief Financial Officer of the company that is predecessor to what
is now Virtus and its affiliates. Mr.&nbsp;Moyer also is a certified public accountant and has an extensive background in accounting matters
relating to investment companies. He is also an advisory board member for several open-end and closed-end funds managed by the Adviser
and its affiliates. Mr.&nbsp;Moyer&rsquo;s term expires effective May&nbsp;2022.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Leadership Structure of the Board of Directors</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The primary responsibility of the Board is to represent the interests
of the Fund and to provide oversight of the management of the Fund. The Fund&rsquo;s day-to-day operations are managed by the Adviser,
the Subadvisers, and other service providers who have been approved by the Board. Generally, the Board acts by majority vote of all the
Directors, including a majority vote of the Independent Directors if required by applicable law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">In addition to five regularly scheduled meetings per year, the Board
expects to hold special meetings either in person or via telephone to discuss specific matters that may require consideration prior to
the next regular meeting. As discussed below, the Board has established standing committees to assist it in performing its oversight responsibilities,
and each such committee has a chairperson. The Board may also designate working groups or ad hoc committees as it deems appropriate.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Mr.&nbsp;McLoughlin serves as Chairman of the Board. The Chairman&rsquo;s
primary role is to participate in the preparation of the agenda for meetings of the Board and the identification of information to be
presented to the Board with respect to matters to be acted upon by the Board. The Chairman also presides at all meetings of the Board
and between meetings generally acts as a liaison with the Fund&rsquo;s service providers, officers, legal counsel, and the other Directors.
The Chairman may perform such other functions as may be requested by the Board from time to time. Except for any duties specified herein
or pursuant to the Fund&rsquo;s Charter and/or Bylaws, or as assigned by the Board, the designation of Chairman does not impose on such
Independent Director any duties, obligations or liability that is greater than the duties, obligations or liability imposed on such person
as a member of the Board, generally.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Board believes that this leadership structure is appropriate because
it allows the Board to exercise informed and independent judgment over matters under its purview, and it allocates areas of responsibility
among committees or working groups of Directors and the full Board in a manner that enhances effective oversight. Mr.&nbsp;McLoughlin
previously served as the Chairman and Chief Executive Officer of the company that is now Virtus; however, he is now an Independent Director
due to (a)&nbsp;the fact that Virtus is no longer affiliated with The Phoenix Companies,&nbsp;Inc., and (b)&nbsp;the passage of time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Because of this balance, it is believed that Mr.&nbsp;McLoughlin has
the ability to provide independent oversight of the Fund&rsquo;s operations within the context of his detailed understanding of the perspective
of the Adviser and the Fund&rsquo;s other service providers. The Board, therefore, considers leadership by Mr.&nbsp;McLoughlin as enhancing
the Board&rsquo;s ability to provide effective independent oversight of the Fund&rsquo;s operations and meaningful representation of the
shareholders&rsquo; interests.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Board also believes that having a super-majority of Independent
Directors is appropriate and in the best interest of the Fund&rsquo;s shareholders. Nevertheless, the Board also believes that having
an interested person serve on the Board brings corporate and financial viewpoints that are, in the Board&rsquo;s view, crucial elements
in its decision-making process. In addition, the Board believes that Mr.&nbsp;Aylward, who is currently the President of the Adviser,
and the President and Chief Executive Officer of Virtus, and serves in various executive roles with other affiliates of the Adviser who
provide services to the Fund, provides the Board with the Adviser&rsquo;s perspective in managing and sponsoring other Virtus registered
funds as well as the perspective of other service providers to the Fund. The leadership structure of the Board may be changed at any time
and in the discretion of the Board, including in response to changes in circumstances or the characteristics of the Fund.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Board&rsquo;s Role in Risk Oversight</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">As a registered investment company, the Fund is subject to a variety
of risks, including investment risks, financial risks, compliance risks and regulatory risks. As part of its overall activities, the Board
oversees the management of the Fund&rsquo;s risk management structure by the Fund&rsquo;s Adviser, Subadvisers, administrator, officers
and others. The responsibility to manage the Fund&rsquo;s risk management structure on a day-to-day basis is subsumed within the other
responsibilities of these parties. The Board then considers risk management issues as part of its general oversight responsibilities throughout
the year at regular meetings of the Board and its committees, and within the context of any ad hoc communications with the Fund&rsquo;s
service providers and officers. The Fund&rsquo;s Adviser, Subadvisers, administrator, officers and legal counsel prepare regular reports
to the Fund&rsquo;s Board that address certain investment, valuation, compliance and other matters, and the Board as a whole or its committees
may also receive special written reports or presentations on a variety of risk issues at the request of the Board, a committee, the Chairman
or a senior officer.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Board receives regular written reports describing and analyzing
the investment performance of the Fund. In addition, the portfolio managers of the Fund and representatives of the Subadvisers meet with
the Board periodically to discuss portfolio performance and answer the Board&rsquo;s questions with respect to portfolio strategies and
risks.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Board receives regular written reports from the Fund&rsquo;s Chief
Financial Officer (&ldquo;CFO&rdquo;) that enable the Board to monitor the number of fair valued securities in the Fund&rsquo;s portfolio;
and Board members have the ability to discuss with the CFO the reasons for the fair valuation and the methodology used to arrive at the
fair value. The Board and/or the Audit Committee may also review valuation procedures and pricing results with the Fund&rsquo;s independent
auditors in connection with the review of the results of the audit of the Fund&rsquo;s year-end financial statements.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Board also receives regular compliance reports prepared by the
compliance staff of the Adviser and the Subadvisers, and meets regularly with the Fund&rsquo;s Chief Compliance Officer (&ldquo;CCO&rdquo;)
to discuss compliance issues, including compliance risks. As required under applicable rules, the Independent Directors meet regularly
in executive session with the CCO, and the CCO prepares and presents an annual written compliance report to the Board. The CCO, as well
as the compliance staff of the Adviser, provide the Board with reports on their examinations of functions and processes within the Adviser
and the Subadvisers that affect the Fund. The Board also adopts compliance policies and procedures for the Fund and approves such procedures
as appropriate for certain of the Fund&rsquo;s service providers. The compliance policies and procedures are specifically designed to
detect and prevent violations of the federal securities laws.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">In connection with its annual review of the Fund&rsquo;s advisory,
subadvisory and administration agreements, the Board reviews information provided by the Adviser, the Subadvisers and administrator relating
to their operational capabilities, financial conditions and resources. The Board may also discuss particular risks that are not addressed
in its regular reports and processes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Board recognizes that it is not possible to eliminate all of the
risks applicable to the Fund. The Board periodically reviews the effectiveness of its oversight of the Fund and any other funds overseen
by the Board, and the processes and controls in place to limit identified risks. The Board may, at any time and in its discretion, change
the manner in which it conducts its risk oversight role.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Committees of the Board</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Board has established a number of standing committees to oversee
particular aspects of the Fund&rsquo;s management. As of the date of this proxy statement, these are:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><I>Audit
Committee.</I></FONT>&nbsp;&nbsp;&nbsp;The Board has adopted a written charter for the Fund&rsquo;s audit committee (the &ldquo;Audit
Committee&rdquo;). The Audit Committee is responsible for overseeing the Fund&rsquo;s accounting and auditing policies and practices.
The Audit Committee reviews the Fund&rsquo;s financial reporting procedures, system of internal control, the independent audit process,
and the Fund&rsquo;s procedures for monitoring compliance with investment restrictions and applicable laws and regulations and with the
Code of Ethics. The Audit Committee is currently composed entirely of Independent Directors, who are also considered &ldquo;independent&rdquo;
for purposes of the listing standards of the New York Stock Exchange (the &ldquo;NYSE&rdquo;). The Audit Committee&rsquo;s current members
are: Donald C. Burke; Deborah A. DeCotis; John R. Mallin; Connie D. McDaniel, Chairperson; and Brian T. Zino. William R. Moyer also is
an Advisory Member of the Audit Committee. The Board has determined that each of Brian T. Zino, Donald C. Burke and Connie D. McDaniel
possesses the technical attributes to qualify as an &ldquo;audit committee financial expert,&rdquo; and has designated each of them as
an Audit Committee financial expert for the Fund. The Audit Committee held nine meetings during the fiscal year ended November&nbsp;30,
2021.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><I>Compliance
Committee</I></FONT>.&nbsp;&nbsp;&nbsp;The Board has adopted a written charter for the Fund&rsquo;s Compliance Committee. The Compliance
Committee is responsible for overseeing the Fund&rsquo;s compliance matters. The Compliance Committee oversees and reviews (1)&nbsp;information
provided by the Fund&rsquo;s officers, including the Fund&rsquo;s CCO, the Fund&rsquo;s investment adviser and other principal service
providers, and others as appropriate; (2)&nbsp;the codes of ethics; (3)&nbsp;whistleblower reports; (4)&nbsp;cybersecurity programs; and
(5)&nbsp;distribution programs. The Compliance Committee is composed entirely of Independent Trustees, and its current members are: Geraldine
M. McNamara, Chairperson; Sarah E. Cogan; F. Ford Drummond; Sidney E. Harris; and R. Keith Walton. The Compliance Committee held seven
meetings during the fiscal year ended November&nbsp;30, 2021.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><I>Governance
and Nominating Committee.</I></FONT>&nbsp;&nbsp;&nbsp;The Board has adopted a written charter for the Fund&rsquo;s governance and nominating
committee (the &ldquo;Governance and Nominating Committee&rdquo;). The Governance and Nominating Committee is responsible for developing
and maintaining governance principles applicable to the Fund, for nominating individuals to serve as Directors, including as Independent
Directors, and annually evaluating the Board and Committees.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Governance and Nominating Committee considers candidates for directorship
and makes recommendations to the Board with respect to such candidates. There are no specific required qualifications for directorship.
The committee considers all relevant qualifications of candidates for directorship, such as industry knowledge and experience, financial
expertise, current employment and other board memberships, and whether the candidate would be qualified to be considered an Independent
Director. The Board believes that having among its members a diversity of viewpoints, skills and experience and a variety of complementary
skills enhances the effectiveness of the Board in its oversight role. The committee considers the qualifications of candidates for directorship
in this context.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Board has adopted a policy for consideration of Director nominations
recommended by shareholders. With regards to such policy, among other requirements, any shareholder group submitting a nomination must
beneficially own, individually or in the aggregate, for at least two full&nbsp;years prior to the date of submitting the nomination, and
through the date of the meeting at which such nomination is considered, 4% of the shares of a class of the Fund for which the Director
nominee is submitted. Shareholder nominees for Director will be given the same consideration as any other candidate provided the nominee
meets certain minimum requirements.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Governance and Nominating Committee is currently composed entirely
of Independent Directors; its current members are: Brian T. Zino (Chairperson), Sarah E. Cogan, Sidney E. Harris and Philip R. McLoughlin.
The Governance and Nominating Committee held eight meetings during the fiscal year ended November&nbsp;30, 2021.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><I>Executive
Committee.</I></FONT>&nbsp;&nbsp;&nbsp;The function of the Executive Committee is to serve as a delegate of the full Board, as well as
act on behalf of the Board when it is not in session, subject to limitations as set by the Board. The Executive Committee is composed
entirely of Independent Directors, and its members are: Philip R. McLoughlin, Chairman; Donald C. Burke; Deborah E. DeCotis; Sidney E.
Harris; and Brian T. Zino. The Executive Committee held six meetings during the fiscal year ended November&nbsp;30, 2021.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Direct Ownership of Securities</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The dollar range of the Fund&rsquo;s securities owned by each Director
in the Fund and the aggregate dollar range of securities owned in the Fund complex is set forth below.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" ALIGN="CENTER" STYLE="border-collapse: collapse; width: 97%; font: 10pt Times New Roman, Times, Serif">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid">Name of Director</TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center">Dollar Range of<BR> Equity Securities in<BR> the Fund(1)</TD><TD STYLE="text-align: center; padding-bottom: 1pt; font: bold 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: center; font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center">Aggregate Dollar Range<BR> of Fund Ownership in all<BR> Funds Overseen by Director in Family of Registered Investment&nbsp;Companies(2)</TD><TD STYLE="padding-bottom: 1pt; font: bold 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; text-indent: -12pt; padding-left: 12pt">Donald C. Burke</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$10,001 &ndash; $50,000</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center">&nbsp;</TD><TD STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Over $100,000</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="width: 59%; font: 10pt Times New Roman, Times, Serif; text-align: left; text-indent: -12pt; padding-left: 12pt">Sarah E Cogan</TD><TD STYLE="width: 2%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 15%; text-align: center">$0</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: center">&nbsp;</TD><TD STYLE="text-align: center; width: 2%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 20%; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Over $100,000</FONT></TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; text-indent: -12pt; padding-left: 12pt">Deborah A. DeCotis</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center">$0</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center">&nbsp;</TD><TD STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center">$0</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; text-indent: -12pt; padding-left: 12pt">F. Ford Drummond</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$1 - $10,000</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center">&nbsp;</TD><TD STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Over $100,000</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; text-indent: -12pt; padding-left: 12pt">Sidney E. Harris</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$10,001 &ndash; $50,000</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center">&nbsp;</TD><TD STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Over $100,000</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; text-indent: -12pt; padding-left: 12pt">John R. Mallin</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$50,001 - $100,000</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center">&nbsp;</TD><TD STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Over $100,000</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; text-indent: -12pt; padding-left: 12pt">Connie D. McDaniel</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$10,001 - $50,000</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center">&nbsp;</TD><TD STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Over $100,000</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; text-indent: -12pt; padding-left: 12pt">Philip R. McLoughlin</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$50,001 - $100,000</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center">&nbsp;</TD><TD STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Over $100,000</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; text-indent: -12pt; padding-left: 12pt">Geraldine M. McNamara</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$1 - $10,000</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center">&nbsp;</TD><TD STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Over $100,000</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; text-indent: -12pt; padding-left: 12pt">R. Keith Walton</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$10,001 - $50,000</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center">&nbsp;</TD><TD STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Over $100,000</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; text-indent: -12pt; padding-left: 12pt">Brian T. Zino</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$50,001 - $100,000</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center">&nbsp;</TD><TD STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Over $100,000</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; text-indent: -12pt; padding-left: 12pt">George R. Aylward</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$50,001 - $100,000</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center">&nbsp;</TD><TD STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Over $100,000</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  </TABLE>



<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-top: Black 1pt solid; padding-top: 3pt; width: 4%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(1)</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; padding-top: 3pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The information as to beneficial ownership is based on statements furnished to each fund by its Directors and reflects ownership as of December&nbsp;31, 2021. Except as otherwise indicated, each person has sole voting and investment power with respect to the shares owned by him or her. The Directors and Officers of the Fund, as a group, beneficially own less than 1% of the outstanding shares of the Fund. Fractional shares are rounded off to the nearest whole share. </FONT></TD></TR>

<TR STYLE="vertical-align: top">
    <TD STYLE="width: 4%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(2)</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The term, &ldquo;Family of Registered Investment Companies&rdquo;, means any two or more registered investment companies that share the same investment adviser or principal underwriter or hold themselves out to investors as related companies for purposes of investment and investor services. </FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Compensation of Independent Directors and Advisory Board Members</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The following table provides information regarding the compensation
of the Independent Directors and Advisory Board Members for the year ended December&nbsp;31, 2021. The Interested Director does not receive
compensation from the Fund or other funds in the Fund&nbsp;Complex.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; font-size: 10pt; font-weight: bold; text-align: left">Name of Person, Position</TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; font-weight: bold; text-align: center">Aggregate <BR> Compensation<BR> From the Fund</TD><TD STYLE="padding-bottom: 1pt; text-align: center; font-size: 10pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; font-weight: bold; text-align: center">Pension or<BR> Retirement<BR> Benefits Accrued as<BR> Part&nbsp;of&nbsp;Fund<BR> Expenses</TD><TD STYLE="padding-bottom: 1pt; text-align: center; font-size: 10pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; font-weight: bold; text-align: center">Estimated<BR> Annual<BR> Benefits&nbsp;Upon<BR> Retirement</TD><TD STYLE="padding-bottom: 1pt; text-align: center; font-size: 10pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; font-weight: bold; text-align: center"><B>Total <BR> Compensation <BR> from the Fund<BR> and Fund <BR> Complex<SUP>(1)</SUP></B></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="white-space: nowrap; width: 32%; font-size: 10pt; text-align: left">Donald C. Burke &ndash; Director</TD><TD STYLE="width: 2%; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 15%; font-size: 10pt; text-align: center">$11,232.43</TD><TD STYLE="text-align: center; width: 2%; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 15%; font-size: 10pt; text-align: center">N/A</TD><TD STYLE="text-align: center; width: 2%; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 15%; font-size: 10pt; text-align: center">N/A</TD><TD STYLE="text-align: center; width: 2%; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 15%; font-size: 10pt; text-align: center">$316,666.67</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="white-space: nowrap; font-size: 10pt; text-align: left">Sarah E Cogan &ndash; Director</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: center">$5,740.96</TD><TD STYLE="text-align: center; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: center">N/A</TD><TD STYLE="text-align: center; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: center">N/A</TD><TD STYLE="text-align: center; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: center">$302,500.00</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="white-space: nowrap; font-size: 10pt; text-align: left">Deborah A. DeCotis &ndash; Director</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: center">$5,740.96</TD><TD STYLE="text-align: center; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: center">N/A</TD><TD STYLE="text-align: center; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: center">N/A</TD><TD STYLE="text-align: center; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: center">$293,333.33</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="white-space: nowrap; font-size: 10pt; text-align: left">F. Ford Drummond &ndash; Director</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: center">$5,740.96</TD><TD STYLE="text-align: center; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: center">N/A</TD><TD STYLE="text-align: center; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: center">N/A</TD><TD STYLE="text-align: center; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: center">$297,916.67</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="white-space: nowrap; font-size: 10pt; text-align: left">Sidney E. Harris &ndash; Director</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: center">$11,232.43</TD><TD STYLE="text-align: center; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: center">N/A</TD><TD STYLE="text-align: center; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: center">N/A</TD><TD STYLE="text-align: center; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: center">$316,666.67</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="white-space: nowrap; font-size: 10pt; text-align: left">John R. Mallin &ndash; Director</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: center">$11,232.41</TD><TD STYLE="text-align: center; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: center">N/A</TD><TD STYLE="text-align: center; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: center">N/A</TD><TD STYLE="text-align: center; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: center">$316,666.67</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="white-space: nowrap; font-size: 10pt; text-align: left">Connie D. McDaniel &ndash; Director</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: center">$11,232.42</TD><TD STYLE="text-align: center; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: center">N/A</TD><TD STYLE="text-align: center; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: center">N/A</TD><TD STYLE="text-align: center; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: center">$356,250.00</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="white-space: nowrap; font-size: 10pt; text-align: left">Philip R. McLoughlin &ndash; Director</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: center">$72,074.63</TD><TD STYLE="text-align: center; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: center">N/A</TD><TD STYLE="text-align: center; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: center">N/A</TD><TD STYLE="text-align: center; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: center">$650,916.67</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="white-space: nowrap; font-size: 10pt; text-align: left">Geraldine M. McNamara &ndash; Director</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: center">$11,232.43</TD><TD STYLE="text-align: center; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: center">N/A</TD><TD STYLE="text-align: center; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: center">N/A</TD><TD STYLE="text-align: center; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: center">$415,250.00</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="white-space: nowrap; font-size: 10pt; text-align: left">James M. Oates &ndash; Director<SUP>(2)</SUP></TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: center">$30,660.63</TD><TD STYLE="text-align: center; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: center">N/A</TD><TD STYLE="text-align: center; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: center">N/A</TD><TD STYLE="text-align: center; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: center">$191,041.67</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="white-space: nowrap; font-size: 10pt; text-align: left">James B. Rogers, Jr. &ndash; Director<SUP>(3)</SUP></TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: center">$5,491.47</TD><TD STYLE="text-align: center; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: center">N/A</TD><TD STYLE="text-align: center; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: center">N/A</TD><TD STYLE="text-align: center; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: center">$12,991.47</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="white-space: nowrap; font-size: 10pt; text-align: left">R. Keith Walton &ndash; Director</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: center">$11,232.43</TD><TD STYLE="text-align: center; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: center">N/A</TD><TD STYLE="text-align: center; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: center">N/A</TD><TD STYLE="text-align: center; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: center">$316,666.67</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="white-space: nowrap; font-size: 10pt; text-align: left">Brian T. Zino &ndash; Director</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: center">$11,232.43</TD><TD STYLE="text-align: center; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: center">N/A</TD><TD STYLE="text-align: center; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: center">N/A</TD><TD STYLE="text-align: center; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: center">$345,833.33</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="white-space: nowrap; font-size: 10pt; text-align: left">William R. Moyer &ndash; Advisory Board Member</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: center">$104,835.82</TD><TD STYLE="text-align: center; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: center">N/A</TD><TD STYLE="text-align: center; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: center">N/A</TD><TD STYLE="text-align: center; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: center">$140,000.00</TD></TR>
  </TABLE>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>




<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">(1)</TD><TD>The &ldquo;Fund Complex&rdquo; includes those registered investment companies that hold themselves out to investors as related companies
for purposes of investment and investor services or for which the Fund&rsquo;s Adviser or an affiliate of the Adviser, including the Subadvisers,
serves as investment adviser.</TD></TR><TR STYLE="vertical-align: top">
<TD>&nbsp;</TD><TD>(2)</TD><TD>Mr. Oates retired effective 6/30/2021.</TD></TR>
                                       <TR STYLE="vertical-align: top">
<TD>&nbsp;</TD><TD>(3)</TD><TD>Mr. Rogers' term expired on 5/19/2021</TD></TR>
                                       </TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Limitation of Directors&rsquo; and Officers&rsquo; Liability</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Fund&rsquo;s Articles of Incorporation limit the personal liability
of its Officers and Directors to the Fund and its shareholders for money damages to the maximum extent permitted by the Maryland General
Corporation Law. Accordingly, a shareholder will be able to recover money damages against a Director or an Officer of the Fund only if
he or she is able to prove that (a)&nbsp;the action, or failure to act, by the Director or Officer was the result of active and deliberate
dishonesty which was material to the cause of action adjudicated in the proceeding, (b)&nbsp;the Director or Officer actually received
an improper benefit or profit in money, property or services (in which case recovery is limited to the actual amount of such improper
benefit or profit), or (c)&nbsp;the Director or Officer acted with willful misfeasance, bad faith, gross negligence, or reckless disregard
of the duties involved in the conduct of his or her office. The limitation also does not apply to claims against Directors or Officers
arising out of their responsibilities under the federal securities laws. The Fund&rsquo;s Articles of Incorporation do not limit the right
of the Fund or any shareholder to sue for an injunction or any other nonmonetary relief in the event of a breach of a Director&rsquo;s
or Officer&rsquo;s duty of care or other breach of duty or responsibility.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Code of Ethics</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Fund, the Investment Adviser and the Subadvisers have each adopted
a Code of Ethics pursuant to Rule&nbsp;17j-1 under the 1940 Act. These codes of ethics set forth the terms and conditions upon which personnel
subject to the codes may invest in securities, including securities that may be purchased or held by the Fund. These codes contain policies
and procedures that, among other things, prohibit personnel from trading on the basis of material nonpublic information, place limitations
on personal trading by personnel, impose preclearance on certain types of trading, and impose reporting obligations on such personnel,
including requiring initial and annual reports of securities holdings. Copies of the Codes of Ethics can be reviewed and copied at the
Commission&rsquo;s Public Reference Room in Washington, D.C. Information on the operation of the Public Reference Room may be obtained
by calling the Commission at (800)&nbsp;SEC-0330. Copies of these Codes of Ethics are also available on the EDGAR Database on the Commission&rsquo;s
website at http://www.sec.gov, and copies of these codes may be obtained, after paying a duplicating fee, by electronic request at the
following e-mail address: publicinfo@sec.gov, or by writing the Commission&rsquo;s Public Reference Section, Washington, D.C. 20549-0102.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Proxy Voting</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white">The Fund has adopted a Policy Regarding Proxy
Voting (the &ldquo;Policy&rdquo;) stating the Fund&rsquo;s intention to exercise stock ownership rights with respect to portfolio securities
in a manner that is reasonably anticipated to further the best economic interests of shareholders of the Fund. The Fund or its voting
delegates will endeavor to analyze and vote all proxies that are likely to have financial implications, and where appropriate, to participate
in corporate governance, shareholder proposals, management communications and legal proceedings. The Fund or its voting delegates must
also identify potential or actual conflicts of interest in voting proxies and must address any such conflict of interest in accordance
with the Policy.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white">In the absence of a specific direction to
the contrary from the Board, the Adviser or the subadviser that is managing the Fund is responsible for voting proxies for such fund,
or for delegating such responsibility to a qualified, independent organization engaged by the Adviser or respective subadviser to vote
proxies on its behalf. The applicable voting party will vote proxies in accordance with the Policy or its own policies and procedures,
which must be reasonably designed to further the best economic interests of the affected fund shareholders. Because the Policy and the
applicable voting party&rsquo;s policies and procedures used to vote proxies for the funds both are designed to further the best economic
interests of the affected fund shareholders, they are not expected to conflict with one another although the types of factors considered
by the applicable voting party under its own policies and procedures may be in addition to or different from the ones listed below for
the Policy.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white">The Fund and its voting delegates seek to
avoid actual or perceived conflicts of interest of Fund shareholders, on the one hand, and those of the Adviser, subadviser, other voting
delegate, Distributor, or any affiliated person of the Fund, on the other hand.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white">Depending on the type and materiality, the
Board or its delegates may take the following actions, among others, in addressing any material conflicts of interest that arise with
respect to voting (or directing voting delegates to vote): (i)&nbsp;rely on the recommendations of an established, independent third party
proxy voting vendor; (ii)&nbsp;vote pursuant to the recommendation of the proposing delegate; (iii)&nbsp;abstain; (iv)&nbsp;where two
or more delegates provide conflicting requests, vote shares in proportion to the assets under management of each proposing delegate; (v)&nbsp;vote
shares in the same proportion as the vote of all other shareholders of such issuer; or (vi)&nbsp;the Adviser may vote proxies where the
subadviser has a direct conflict of interest. The Policy requires each Adviser/subadviser that is a voting delegate to notify the Chief
Compliance Officer of the Trust (or, in the case of a subadviser, the Chief Compliance Officer of the Adviser) of any actual or potential
conflict of interest that is identified, and provide a recommended course of action for protecting the best interests of the affected
fund&rsquo;s shareholders. No Adviser/subadviser or other voting delegate may waive any conflict of interest or vote any conflicted proxies
without the prior written approval of the Board (or the Executive Committee thereof) or the Chief Compliance Officer of the Trust.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white">The Policy further imposes certain record-keeping
and reporting requirements on each Adviser/subadviser or other voting delegate.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white">Information regarding how the funds voted
proxies relating to portfolio securities during the most recent&nbsp;12-month&nbsp;period ended June&nbsp;30 will be available, no later
than August&nbsp;31 of each year, free of charge by calling, toll-free, 800.243.1574, or on the SEC&rsquo;s Web site at www.sec.gov.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white">During the period of the report, any proxies
for the Fund were handled by the Fund&rsquo;s subadvisers, DPIM and/or Newfleet. Following are summaries of their proxy voting policies.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white"><U>Duff&nbsp;&amp; Phelps</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white">DPIM has adopted proxy voting policies and
procedures (the &ldquo;Duff&nbsp;&amp; Phelps&rsquo; Policy&rdquo;) in an effort to ensure shares are voted in the best interests of its
clients and the value of the investment, and to address any real or perceived conflicts of interest in proxy voting. The Duff&nbsp;&amp;
Phelps&rsquo; Policy allows DPIM to utilize a qualified,&nbsp;non-affiliated&nbsp;third party vendor to assist in the review of proxy
proposals and making of voting recommendations on behalf of clients consistent with the Duff&nbsp;&amp; Phelps&rsquo; Policy. DPIM may
and will vote a proxy contrary to the recommendation of the proxy advisory from when it is determined that it is in the best interest
of DPIM&rsquo;s clients.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white">DPIM has a Proxy Committee that reviews every
company and shareholder proposal submitted for a vote.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white">DPIM has procedures in place to address conflicts
of interest or potential conflicts of interest relating to proxy proposals.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white">DPIM may choose not to vote proxies in certain
situations or for certain accounts, such as when:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; background-color: white; border-collapse: collapse">
  <TR>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 2%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="vertical-align: top; width: 1%">&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">it deems the cost of voting to exceed any anticipated benefit to client;</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; background-color: white; border-collapse: collapse">
  <TR>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 2%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="vertical-align: top; width: 1%">&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">a proxy is received for a security it no longer manages due to the entire position being sold; or</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; background-color: white; border-collapse: collapse">
  <TR>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 2%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="vertical-align: top; width: 1%">&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">exercising voting rights could restrict the ability of the portfolio manager to freely trade the security.</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white">DPIM may also not be able to vote proxies
for any client account that participates in securities lending programs or UMA/MDP.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white">A complete copy of DPIM&rsquo;s current Proxy
Voting Policies, Procedures and Guidelines may be obtained by sending a written request to Duff&nbsp;&amp; Phelps Investment Management
Co., Attn: Compliance, 200 S. Wacker Drive, Suite&nbsp;500, Chicago,&nbsp;Illinois 60606.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white"><U>Newfleet</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white">Although the nature of Newfleet&rsquo;s portfolios
is such that ballots are rarely required, Newfleet has adopted&nbsp;pre-determined&nbsp;proxy voting guidelines (the &ldquo;Guidelines&rdquo;)
to make every effort to ensure the manner in which shares are voted is in the best interest of its clients and the value of the investment.
Under the Guidelines, Newfleet sometimes delegates to a&nbsp;non-affiliated&nbsp;third party vendor the responsibility to review proxy
proposals and make voting recommendations on behalf of Newfleet. Newfleet may also vote a proxy contrary to the Guidelines if it determines
that such action in the best interest of its clients, including the Fund.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white">A complete copy of Newfleet&rsquo;s current
Proxy Voting Policies&nbsp;&amp; Procedures is available by sending a written request to Newfleet Asset Management, LLC, Attn: Compliance
Department, One Financial Plaza, Hartford, CT 06103. Email requests may be sent to: james.sena@virtus.com.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><A NAME="sp3_05"></A>INVESTMENT ADVISER AND SUBADVISERS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Virtus Investment Advisers,&nbsp;Inc. serves as the Fund&rsquo;s investment
adviser. VIA is located at One Financial Plaza, Hartford, CT 06103, and is an indirect, wholly-owned subsidiary of Virtus, a publicly
traded multi-manager asset management business. VIA has been an investment adviser for over 80 years and acts as the investment adviser
for over 50 mutual funds and as adviser to institutional clients, with assets under management of approximately $71.8&nbsp;billion as
of December&nbsp;31, 2021. VIA is responsible for managing the Fund&rsquo;s investment program and for the general operations of the Fund,
including oversight of the Fund&rsquo;s Subadvisers and recommending their hiring, termination and replacement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">As compensation for its services to the Fund, VIA receives a fee at
an annual rate of 0.70% of the Fund&rsquo;s average daily Managed Assets, which is calculated daily and paid monthly. &ldquo;Managed Assets&rdquo;
is defined as the value of the total assets of the Fund minus the sum of all accrued liabilities of the Fund (other than the aggregate
amount of any outstanding borrowings or other indebtedness, entered into for the purpose of leverage). For the fiscal years ended November&nbsp;30,
2021, 2020 and 2019, the Fund incurred investment advisory fees of $4,221,000, $4,201,000 and $2,777,000, respectively.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Duff&nbsp;&amp; Phelps Investment Management Co., an affiliate of VIA
and an indirect, wholly-owned subsidiary of Virtus, is the subadviser for the equity portfolio of the Fund. DPIM is located at 200 S.
Wacker Drive, Suite&nbsp;500, Chicago,&nbsp;IL 60606. DPIM acts as subadviser to mutual funds and as adviser or subadviser to closed-end
mutual funds and to institutional clients. DPIM (together with its predecessor) has been in the investment advisory business for more
than 70 years. As of December&nbsp;31, 2021, DPIM had approximately $12.2 billion in assets under management on a discretionary basis.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Newfleet Asset Management, LLC, also an affiliate of VIA and an indirect,
wholly-owned subsidiary of Virtus, is the subadviser for the fixed income portfolio of the Fund. Newfleet is located at One Financial
Plaza, Hartford, CT 06103. Newfleet acts as subadviser to mutual funds and as adviser to institutions and individuals. As of December&nbsp;31,
2021, Newfleet had approximately $9.9 billion in assets under management. Newfleet has been an investment adviser since 1989.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">From the investment advisory fees paid to VIA, VIA paid the subadvisory
fees to the Subadvisers at the rate of 50% of the net investment management fee based on the average daily Managed Assets managed by the
Subadviser. For their services with respect to the Fund for fiscal years ended November&nbsp;30, 2021, 2020 and 2019, the Subadvisers
received fees of $1,625,243, $2,648,445, and $2,152,505, respectively.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><A NAME="sp3_06"></A>PORTFOLIO MANAGERS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Portfolio Managers</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Fund&rsquo;s portfolio managers (each referred to as a &ldquo;portfolio
manager&rdquo;) are listed below. Each portfolio manager manages other investment companies and/or investment vehicles and accounts in
addition to the Fund. The following table provides information as of November&nbsp;30, 2021, regarding any other accounts managed by the
portfolio managers and portfolio management team members for the Fund. As noted in the table, the portfolio managers managing the Fund
may also manage or be members of management teams for other mutual funds within the Virtus Fund complex or other similar accounts.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid">Name of<BR> Portfolio<BR> Manager or<BR> Team Member</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Type of Accounts</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Total<BR> No.&nbsp;of&nbsp;Accounts<BR> Managed</TD><TD STYLE="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Total<BR> Assets<BR> (in&nbsp;millions)</TD><TD STYLE="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">No.&nbsp;of<BR> Accounts<BR> where<BR> Advisory&nbsp;Fee<BR> is Based on<BR> Performance</TD><TD STYLE="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Total Assets<BR> in Accounts<BR> where<BR> Advisory&nbsp;Fee<BR> is Based on<BR> Performance</TD><TD STYLE="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; width: 18%; font: 10pt Times New Roman, Times, Serif; text-align: left; text-indent: -12pt; padding-left: 12pt">David L. Albrycht</TD><TD STYLE="width: 2%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 24%; font: 10pt Times New Roman, Times, Serif; text-align: left">Registered Investment Companies:</TD><TD STYLE="width: 2%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 10%; font: 10pt Times New Roman, Times, Serif; text-align: right">15</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 2%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 10%; font: 10pt Times New Roman, Times, Serif; text-align: right">9,217</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 2%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 10%; font: 10pt Times New Roman, Times, Serif; text-align: right">1</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 2%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 10%; font: 10pt Times New Roman, Times, Serif; text-align: right">92</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Other Pooled Investment Vehicles:</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">2</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">112</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">None</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">None</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 10pt">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Other Accounts:</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">None</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">None</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">None</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">None</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif; text-align: left; text-indent: -12pt; padding-left: 12pt">Connie M. Luecke</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Registered Investment Companies:</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">2</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">4,343</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">None</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">None</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 10pt">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Other Pooled Investment Vehicles:</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">2</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">217</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">None</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">None</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Other Accounts:</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">None</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">None</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">None</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">None</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  </TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white">For the most recently completed fiscal year
ended November&nbsp;30, 2021, beneficial ownership of shares of the Fund by Mr.&nbsp;Albrycht and Ms.&nbsp;Luecke, are as follows. Beneficial
ownership was determined in accordance with rule&nbsp;16a-1(a)(2)&nbsp;under the Securities Exchange Act of 1934 (17 CFR&nbsp;240.161-1(a)(2)).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="font: 10pt Times New Roman, Times, Serif; width: 75%; background-color: white; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: Black 1pt solid">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Name of Portfolio Manager or Team Member</P></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Dollar ($) Range of<BR>
Fund Shares<BR>
Beneficially Owned</FONT></TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="background-color: #CCEEFF">
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt; width: 76%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">David L. Albrycht</FONT></TD>
    <TD STYLE="vertical-align: bottom; width: 2%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; width: 20%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; width: 1%">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Connie M. Luecke</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">50,001&nbsp;-&nbsp;$100,000</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">There may be certain inherent conflicts of interest that arise in connection
with the portfolio managers&rsquo; management of the Fund&rsquo;s investments and the investments of any other accounts they manage. Such
conflicts could include the aggregation of orders for all accounts managed by a particular portfolio manager, the allocation of purchases
across all such accounts, the allocation of IPOs and any soft dollar arrangements that the adviser/subadviser may have in place that could
benefit the Fund and/or such other accounts. The Board of Directors has adopted policies and procedures designed to address any such conflicts
of interest to ensure that all transactions are executed in the best interest of the Fund&rsquo;s shareholders. Each adviser/subadviser
is required to certify its compliance with these procedures on a quarterly basis. There have been no material compliance issues with respect
to any of these policies and procedures during the Fund&rsquo;s most recent fiscal year. Additionally, there are no material conflicts
of interest between the investment strategy of any Fund and the investment strategy of other accounts managed by the portfolio managers
since portfolio managers generally manage funds and other accounts having similar investment strategies.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Portfolio Manager Compensation Structure and Method</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white">Virtus, along with its affiliated investment
management firms, including DPIM and Newfleet (collectively, &ldquo;Virtus&rdquo;), is committed to attracting and retaining the highest
caliber employees and investment talent. The company&rsquo;s compensation and benefits program is comprehensive and designed to reward
performance and commitment to our shareholders. Virtus personnel receive a competitive base salary, an incentive bonus opportunity, and
a benefits package. Certain professionals who supervise and manage others also participate in a management incentive program reflecting
their personal contribution and team performance. Certain key individuals also have the opportunity to take advantage of a long-term incentive
compensation program, including potential awards of Virtus restricted stock units (&ldquo;RSUs&rdquo;) with multi-year vesting, subject
to Virtus corporate board approval, and opportunities to defer their compensation and reduce tax implications.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white">Following is a more detailed description of
the compensation structure:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; background-color: white; border-collapse: collapse">
  <TR>
    <TD STYLE="width: 5%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 3%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="vertical-align: top; width: 1%">&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><I>Base Salary:</I></FONT>&nbsp;Each individual is paid a fixed based salary, which is designed to be competitive in light of the individual&rsquo;s experience and responsibilities. Management uses independent, third-party compensation surveys of the investment industry to evaluate competitive market compensation for its employees.</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; background-color: white; border-collapse: collapse">
  <TR>
    <TD STYLE="width: 5%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 3%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="vertical-align: top; width: 1%">&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><I>Incentive Bonus</I></FONT>: Annual incentive payments for investment personnel are based on targeted compensation levels, adjusted for profitability and investment performance factors, and a subjective assessment of contribution to the team effort. Individual payments are assessed using comparisons of actual investment performance with specific peer group or index measures. For compensation purposes, a fund&rsquo;s performance is generally measured over&nbsp;one-,&nbsp;three-, and five-year periods and an individual manager&rsquo;s participation is based on the performance of each fund/account managed. The short-term incentive payment is generally paid in cash, but a portion may be payable in Virtus restricted stock units or as deferred cash that appreciates or depreciates in value based on the rate of return of one or more mutual funds managed or advised by the investment professional.</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; background-color: white; border-collapse: collapse">
  <TR>
    <TD STYLE="width: 5%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 3%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="vertical-align: top; width: 1%">&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><I>Other Benefits:&nbsp;</I></FONT>Employees are also eligible to participate in broad-based plans offered by Virtus, including 401(k), health, and other employee benefit plans.</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white">While portfolio managers compensation contains
a performance component, this component is adjusted to reward investment personnel for managing within the stated framework and for not
taking unnecessary risk. This approach helps ensure that investment management personnel remain focused on managing and acquiring securities
that correspond to a fund&rsquo;s mandate and risk profile and are discouraged from taking on more risk and unnecessary exposure to chase
performance for personal gain. The Investment Adviser believes it has appropriate controls in place to handle any potential conflicts
that may result from a substantial portion of portfolio manager compensation being tied to performance.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><A NAME="sp3_07"></A>EXPENSES</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">For the fiscal years ended November&nbsp;30, 2021, 2020 and 2019, the
Fund&rsquo;s net expenses (including interest expense) amounted to $7,657,000, $8,912,000 and $ 7,269,000, respectively.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Expenses of the Offer will be charged to capital. The Fund&rsquo;s
annual expense ratio was 1.73%, 2.05% and 2.99% of the Fund&rsquo;s average net assets for the fiscal years ended November&nbsp;30, 2021,
2020 and 2019, respectively.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><A NAME="sp3_08"></A>PORTFOLIO TRANSACTIONS AND BROKERAGE</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Subject to the supervision of the Board and VIA, the Subadvisers are
responsible for decisions to buy and sell securities for the portions of the Fund&rsquo;s assets under their respective management and
negotiation of their brokerage commission rates. Transactions on U.S. stock exchanges involve the payment by the Fund of negotiated brokerage
commissions. There is generally no stated commission in the case of securities traded in the over-the-counter market but the price paid
by the Fund usually includes an undisclosed dealer commission or markup. In over-the-counter markets, the Fund intends to deal with responsible
primary market makers unless a more favorable execution or price is believed to be obtainable. The Fund may buy securities from or sell
securities to dealers acting as principal, except dealers with which the Fund&rsquo;s Directors and/or officers are affiliated. In certain
instances, the Fund may make purchases of underwritten issues at prices that include underwriting fees.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">In selecting a broker to execute each particular transaction, the Subadvisers
will take the following into consideration: the best net price available; the reliability, integrity and financial condition of the broker;
the size and difficulty in executing the order; and the value of the expected contribution of the broker to the investment performance
of the Fund on a continuing basis. As such, the cost of the brokerage commissions to the Fund in any transaction may be greater than that
available from other brokers if the difference is reasonably justified by other aspects of the portfolio execution services offered.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">As permitted by Section&nbsp;28(e)&nbsp;of the Exchange Act, and subject
to such policies and procedures as the Directors may determine, the Subadvisers may cause the Fund to pay a broker or dealer that provides
brokerage and research services to a Subadviser an amount of commission for effecting a securities transaction for the Fund in excess
of the amount other brokers or dealers would have charged for the transaction if the Subadviser determines in good faith that the greater
commission is reasonable in relation to the value of the brokerage and research services provided by the executing broker or dealer viewed
in terms of either a particular transaction or the Subadviser&rsquo;s overall responsibilities to the Fund and its other clients. A Subadviser
may give consideration to research, statistical and other services furnished by broker-dealers to the Subadviser for its use, may place
orders with broker-dealers who provide supplemental investment and market research and securities and economic analysis, and may pay to
those brokers a higher brokerage commission or spread than may be charged by other brokers.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The investment management fee paid by the Adviser to a Subadviser is
not reduced as a consequence of the Subadviser&rsquo;s receipt of research and investment information provided by executing brokers; however,
the Subadviser may, through the use of the research, avoid the additional expenses that would be incurred if it should attempt to develop
comparable information through its own staff. The research received may be useful and of value to a Subadviser in serving both the Fund
and other clients of the Subadviser; accordingly, not all of the research provided by brokers through which the Fund effects securities
transactions may be used by a Subadviser in connection with the Fund.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Subadvisers may also select brokers to execute portfolio transactions.
In the over-the-counter market, the Fund will generally deal with responsible primary market makers unless a more favorable execution
can otherwise be obtained through brokers.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Fund may not buy securities from, or sell securities to, an affiliate
acting as principal. The Board has adopted procedures in conformity with Rule&nbsp;10f-3 under the 1940 Act whereby the Fund may purchase
securities that are offered in underwritings in which affiliates are participants.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The aggregate amount of brokerage commissions paid by the Fund for
the fiscal years ended 2019, 2020 and 2021 was $283,530, $153,997, and $83,803, respectively.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Portfolio Turnover</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Fund&rsquo;s portfolio turnover rates for the fiscal years ended
November&nbsp;30, 2021, 2020 and 2019 were 44%, 46% and 110%, respectively. Portfolio turnover in the fiscal year ended November&nbsp;30,
2019 was higher due to repositioning of the portfolio related to the reorganization of the former Virtus Total Return Fund Inc. (ZF) into
the Fund on November&nbsp;18, 2019. Portfolio turnover rate is calculated by dividing the lesser of the Fund&rsquo;s annual sales or purchases
of portfolio securities by the monthly average value of securities in the portfolio during the year, excluding portfolio securities the
maturities of which at the time of acquisition were one year or less. Portfolio turnover will not be a limiting factor in making investment
decisions, and the Fund&rsquo;s investment policies may result in portfolio turnover substantially greater than that of other investment
companies. A high rate of portfolio turnover (over 100%) involves greater brokerage commission expense, which must be borne by the Fund
and its shareholders. A high rate of portfolio turnover may also result in the realization of capital gains, and to the extent that portfolio
turnover results in the realization of net short-term capital gains, such gains, when distributed, would be taxed to shareholders at ordinary
income tax rates.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><A NAME="sp3_09"></A>NET ASSET VALUE</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Fund will determine its NAV daily, as of the close of trading on
the NYSE (currently 4:00 p.m., Eastern Time). NAV is computed by dividing the value of all assets of the Fund (including accrued interest
and dividends), less all liabilities (including accrued expenses and dividends declared but unpaid) and less the liquidation preference
of any outstanding preferred shares issued by the Fund, by the total number of shares outstanding. Any swap transaction that the Fund
enters into may, depending on the applicable interest rate environment, have a positive or negative value for purposes of calculating
NAV. Any cap transaction that the Fund enters into may, depending on the applicable interest rate environment, have no value or a positive
value. In addition, accrued payments to the Fund under such transactions will be assets of the Fund and accrued payments by the Fund will
be liabilities of the Fund.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">For purposes of determining the Fund&rsquo;s NAV, readily marketable
portfolio securities listed on the NYSE are valued, except as indicated below, at the last sale price reflected on the consolidated tape
at the close of the NYSE on the business day as of which such value is being determined. If there has been no sale on such day, the securities
are valued at the closing bid price on such day, while short sales would be valued at the closing ask price. If no bid or asked prices
are quoted on such day, then the security is valued by such method as the Board shall determine in good faith to reflect its fair market
value. Readily marketable securities not listed on the NYSE but listed on other domestic or foreign securities exchanges or admitted to
trading on the National Association of Securities Dealers Automated Quotations,&nbsp;Inc. (&ldquo;NASDAQ&rdquo;) National List are valued
in a like manner (NASDAQ traded securities are valued at the NASDAQ official closing price). Portfolio securities traded on more than
one securities exchange are valued at the last sale price on the business day as of which such value is being determined as reflected
on the tape at the close of the exchange representing the principal market for such securities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Readily marketable securities traded in the over the counter market,
including listed securities whose primary market is believed by the Adviser to be over the counter, but excluding securities admitted
to trading on the NASDAQ National List, are valued at the current bid price as reported by NASDAQ or, in the case of securities not quoted
by NASDAQ, the National Quotation Bureau or such other comparable source as the Board may deem appropriate to reflect their fair market
value. However, certain fixed income securities may be valued on the basis of prices provided by a pricing service when such prices are
believed by the Board to reflect the fair market value of such securities. Certain fixed income obligations having remaining maturities
greater than 60 days, for which there are no readily available market quotations or sales information (including, but not limited to,
CLOs, CMBS, CRE CDOs and other real estate asset-backed securities and commercial loan participations), are valued by independent pricing
services or assigned a value based on a daily quote obtained from a broker/dealer. The pricing methodologies used by such independent
pricing services and broker/dealers are reviewed and approved by the Fund&rsquo;s Board. The prices provided by independent pricing services
and broker/dealers take into account institutional size trading in similar groups of securities, relevant market factors and any developments
related to specific securities. Where securities are traded on more than one exchange and also over the counter, the securities will generally
be valued using the quotations the Board believes reflect most closely the value of such securities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Exchange traded options, futures and options on futures are valued
at the settlement price determined by the exchange.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">When closing market prices or market quotations are not readily available
or are considered by the Adviser to be unreliable, the Fund may use a security&rsquo;s fair value, as determined pursuant to procedures
adopted by the Fund&rsquo;s Board. Additionally, if the Adviser believes that the price of a security obtained under the valuation procedures
discussed above does not represent the amount that the Fund reasonably expects to receive on a current sale of the security, the Fund
will value the security based on a method that the Board believes accurately reflects fair value. The use of fair value pricing by the
Fund may cause its NAV to differ from the NAV that would be calculated using closing market prices.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The outstanding shares of Common Stock are, and the Shares will be,
listed on the New York Stock Exchange,&nbsp;Inc. The Fund&rsquo;s Shares of Common Stock have traded in the market above, at and below
net asset value since the commencement of the Fund&rsquo;s operations in September&nbsp;1988. The Fund&rsquo;s Officers cannot predict
whether the Fund&rsquo;s Common Stock will trade in the future at a premium or a discount to net asset value, and if so, the level of
such premium or discount.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><A NAME="sp3_10"></A>TAXATION</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The following is a summary of the principal U.S. federal income, and
certain state and local, tax considerations regarding the purchase, ownership and disposition of shares of the Fund. The summary does
not address special tax rules&nbsp;applicable to certain classes of investors, such as tax-exempt entities, insurance companies and financial
institutions. Each prospective shareholder is urged to consult his or her own tax advisor with respect to the specific federal, state,
local and foreign tax consequences of investing in the Fund. The summary is based on the laws in effect on the date of this SAI, which
are subject to change.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>General</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Fund has elected to be treated, has qualified and intends to continue
to qualify for each taxable year, as a regulated investment company under Subchapter M of the Internal Revenue Code of 1986, as amended
(the &ldquo;Code&rdquo;). To so qualify, the Fund must comply with certain requirements of the Code relating to, among other things, the
source of its income and the diversification of its assets.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">If the Fund complies with such requirements, then in any taxable year
for which the Fund distributes, in accordance with the Code&rsquo;s timing requirements, ordinary income dividends of at least 90% of
its net investment income, the Fund (but not its shareholders) will be relieved of federal income tax on any income of the Fund, including
capital gains, that is distributed to shareholders in accordance with the Code&rsquo;s requirements. However, if the Fund retains any
net investment income or net capital gain, it will be subject to a tax at regular corporate rates on the amount retained. If the Fund
retains any net capital gain, the Fund may designate the retained amount as undistributed capital gains in a notice to its shareholders
who, if subject to U.S. federal income tax on capital gains, (i)&nbsp;will be required to include in income for federal income tax purposes,
as capital gain, their shares of such undistributed amount, and (ii)&nbsp;will be entitled to credit their proportionate shares of the
tax paid by the Fund against their U.S. federal income tax liabilities, if any, and to claim refunds to the extent the credit exceeds
such liabilities. For U.S. federal income tax purposes, the tax basis of shares owned by a shareholder of the Fund will be increased by
an amount equal under current law to 79% of the amount of undistributed net capital gain included in the shareholder&rsquo;s gross income.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">In order to avoid a 4% federal excise tax, the Fund must distribute
(or be deemed to have distributed) by December&nbsp;31 of each calendar year at least 98% of its taxable ordinary income for such year,
at least 98.2% of the excess of its capital gains over its capital losses (for the one-year period ending October&nbsp;31 of such year),
and all taxable ordinary income and the excess of capital gains over capital losses for the previous year that were not distributed for
such year and on which the Fund did not pay federal income tax. The Fund intends to distribute at least annually to its shareholders all
or substantially all of its investment company taxable income and its net capital gain, but reserves the right to retain and designate
as described in the above paragraph, its net capital gain.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Fund&rsquo;s investments, if any, in securities issued at a discount
or providing for deferred interest payments or payments of interest in kind will generally cause the Fund to realize income prior to the
receipt of cash payments with respect to these securities. Mark to market rules&nbsp;applicable to certain options and futures contracts
may also require that net gains be recognized without a concurrent receipt of cash. In order to obtain cash to distribute its income or
gains, maintain its qualification as a regulated investment company and avoid federal income or excise taxes, the Fund may be required
to liquidate portfolio securities that it might otherwise have continued to hold.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Taxable U.S. Shareholders &mdash; Distributions</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">For U.S. federal income tax purposes, distributions by the Fund, whether
reinvested in additional shares or paid in cash, generally will be taxable to shareholders who are subject to tax.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Distributions from the Fund&rsquo;s investment company taxable income
will be taxable as ordinary income, and generally cannot be offset by capital losses. For non-corporate shareholders, certain of the Fund&rsquo;s
ordinary income distributions received (or deemed received) may qualify for the 20% federal income tax rate applicable to &ldquo;qualified
dividend income.&rdquo; For corporate shareholders, certain of the Fund&rsquo;s ordinary income distributions may qualify for the dividends
received deduction. (However, the entire dividend, including the deducted amount, is includable in determining a corporate shareholder&rsquo;s
alternative minimum taxable income.) So long as the Fund qualifies as a regulated investment company and satisfies the 90% distribution
requirement, capital gain dividends if properly designated as such in a written notice to shareholders mailed not later than 60 days after
the Fund&rsquo;s taxable year closes, will be taxed to shareholders as capital gain which, as to non-corporate shareholders, will be taxable
at a maximum marginal federal income tax rate of 20%, regardless of how long the shareholder has held his or her Fund shares. In addition,
for taxable years beginning after December&nbsp;31, 2012, individuals with income in excess of $200,000 ($250,000 in the case of married
individuals filing jointly) and certain estates and trusts are subject to an additional 3.8% tax on their &quot;net investment income,&quot;
which generally includes net income from interest, dividends, annuities, royalties, and rents, and net capital gains (other than certain
amounts earned from trades or businesses). Distributions, if any, that are in excess of the Fund&rsquo;s current and accumulated earnings
and profits, as computed for federal income tax purposes, will first reduce a shareholder&rsquo;s tax basis in his or her shares and,
after such basis is reduced to zero, will constitute capital gains to a shareholder who holds his or her shares as capital assets.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">All distributions, whether received in shares or in cash, as well as
sales and exchanges of Fund shares, must be reported by each shareholder who is required to file a U.S. federal income tax return. For
federal income tax purposes, dividends declared by the Fund in October, November&nbsp;or December&nbsp;and paid during January&nbsp;of
the following year are treated as if they were paid by the Fund and received by such shareholders on December&nbsp;31 of the year declared.
In addition, certain other distributions made after the close of a taxable year may be &ldquo;spilled back&rdquo; and treated as paid
by the Fund (other than for purposes of avoiding the 4% excise tax) during such year. Such dividends would be taxable to the shareholders
in the taxable year in which the distribution was actually made by the Fund.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Fund will send written notices to shareholders regarding the amount
and federal income tax status of all distributions made during each calendar year.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">With respect to distributions paid in cash or, for shareholders participating
in the Automatic Reinvestment and Cash Purchase Plan (the &ldquo;Plan&rdquo;), reinvested in shares purchased in the open market, the
amount of the distribution for tax purposes is the amount of cash distributed or allocated to the shareholder. With respect to distributions
issued in shares of the Fund, the amount of the distribution for tax purposes is the fair market value of the issued shares on the payment
date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Distributions by the Fund result in a reduction in the net asset value
of the Fund&rsquo;s shares and may also reduce their market value. Should a distribution reduce the net asset value or market value below
a shareholder&rsquo;s cost basis, such distribution (to the extent paid from the Fund&rsquo;s current or accumulated earnings and profits)
would nevertheless be taxable to the shareholder as ordinary income or capital gain as described above even though, from an investment
standpoint, it may constitute a partial return of capital. In particular, investors should be careful to consider the tax implications
of buying shares just prior to a distribution. Since the market price of shares purchased at that time may include the amount of any forthcoming
distribution, investors purchasing shares just prior to a distribution will in effect receive a return of a portion of their investment
in the form of a distribution which nevertheless will be taxable to them.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Taxable U.S. Shareholders &mdash; Sale of Shares</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">When a shareholder&rsquo;s shares are sold, exchanged or otherwise
disposed of, the shareholder will generally recognize gain or loss equal to the difference between the shareholder&rsquo;s adjusted tax
basis in the shares and the cash, or fair market value of any property, received. Assuming the shareholder holds the shares as a capital
asset at the time of such sale or other disposition, such gain or loss should be capital gain or loss which will be long-term if the shares
were held for more than one year, and short-term if the shares are held for one year or less. However, any loss realized on the sale,
exchange or other disposition of Fund shares with a tax holding period of six months or less will be treated as a long-term capital loss
to the extent of any capital gain dividend received by the selling shareholder with respect to such shares. Additionally, any loss realized
on a sale or other disposition of shares of the Fund may be disallowed under &ldquo;wash sale&rdquo; rules&nbsp;to the extent the shares
disposed of are replaced with other shares of the Fund within a period of 61 days beginning 30 days before and ending 30 days after the
shares are disposed of, such as pursuant to a distribution reinvestment in shares of the Fund under the Plan. If disallowed, the loss
will be reflected in an adjustment to the basis of the shares acquired.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Backup Withholding</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Fund will be required to report to the Internal Revenue Service
all distributions, as well as gross proceeds from the sale or exchange of Fund shares with respect to which the Fund is a payor (such
as pursuant to a tender offer), except in the case of certain exempt recipients, i.e., corporations and certain other investors to which
distributions are exempt from the information reporting provisions of the Code. Under the backup withholding provisions of Code Section&nbsp;3406
and applicable Treasury regulations, all such reportable distributions and proceeds may be subject to backup withholding of federal income
tax at the rate of 24% in the case of nonexempt shareholders who fail to furnish the Fund with their correct taxpayer identification number
and with certain required certifications or if the Internal Revenue Service or a broker notifies the Fund that the number furnished by
the shareholder is incorrect or that the shareholder is subject to backup withholding as a result of failing to report interest or dividend
income. The Fund may refuse to accept any subscription that does not contain any required taxpayer identification number or certification
that the number provided is correct. If the backup withholding provisions are applicable, any such distributions and proceeds, whether
taken in cash or reinvested in shares, will be reduced by the amounts required to be withheld. Any amounts withheld would be credited
against a shareholder&rsquo;s U.S. federal income tax liability. Investors should consult their tax advisers about the applicability of
the backup withholding provisions.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Non-U.S. Shareholders</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Dividends paid to a shareholder who is not a U.S. person (i.e., a nonresident
alien individual, or a foreign corporation, foreign partnership, foreign trust or foreign estate) ordinarily are subject to U.S. withholding
tax at the rate of 30% (or a lower rate provided by an applicable tax treaty) unless the dividends are effectively connected with a U.S.
trade or business of the shareholder, in which case the dividends are subject to tax on a net income basis at the graduated rates applicable
to U.S. individuals or domestic corporations and, in the case of a shareholder that is a foreign corporation, may be subject to U.S. &ldquo;branch
profit tax.&rdquo; Capital gain distributions, including amounts retained by the Fund which are designated as undistributed capital gains,
to a non-U.S. shareholder will not be subject to U.S. income or withholding tax unless the distributions are effectively connected with
the shareholder&rsquo;s trade or business in the U.S. or, in the case of a shareholder who is a nonresident alien individual, if the shareholder
is present in the U.S. for 183 days or more during the taxable year and certain other conditions are met. &ldquo;Short-term capital gain
dividends&rdquo; and &ldquo;interest-related dividends&rdquo; generally will be exempt from 30% withholding. &ldquo;Short-term capital
gain dividends&rdquo; generally are limited to the excess (if any) of the Fund&rsquo;s net short-term capital gains over its net long-term
capital losses, and &ldquo;interest-related dividends&rdquo; generally are limited to the Fund&rsquo;s income (less expenses) from interest
paid by U.S. issuers and interest paid on deposits with U.S. banks.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Any gain realized by a shareholder who is not a U.S. person upon a
sale or other disposition of shares of the Fund will not be subject to U.S. federal income or withholding tax unless the gain is effectively
connected with the shareholder&rsquo;s trade or business in the U.S., or in the case of a shareholder who is a nonresident alien individual,
if the shareholder is present in the U.S. for 183 days or more during the taxable year and certain other conditions are met. Non-U.S.
persons who fail to furnish the Fund with an IRS Form&nbsp;W-8BEN or an acceptable substitute Form&nbsp;W-8BEN may be subject to backup
withholding at the rate of 24% on capital gain dividends and the proceeds of certain sales of their shares with respect to which the Fund
is a payor (such as pursuant to a tender offer).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Investors who are not U.S. persons should consult their tax advisors
about the U.S. and non-U.S. tax consequences of ownership of shares of, and receipt of distributions from, the Fund and rights in this
Offer.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>State and Local Taxes</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Fund may be subject to state or local taxes in jurisdictions in
which the Fund may be deemed to be doing business. In addition, in those states or localities which have income tax laws, the treatment
of the Fund and its shareholders under such laws may differ from their treatment under federal income tax laws, and an investment in the
Fund may have tax consequences for shareholders different from those of a direct investment in the Fund&rsquo;s portfolio securities.
Shareholders should consult their own tax advisers concerning these matters.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><A NAME="sp3_11"></A>INDEPENDENT ACCOUNTANTS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">___________, serves as the independent registered public accounting
firm for the Fund. In addition to reporting annually on the financial statements of the Fund, the Fund&rsquo;s accountants also review
certain filings of the Fund with the Commission.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><A NAME="sp3_12"></A>PRINCIPAL SHAREHOLDERS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">There are no persons known to the Fund to be control persons of the
Fund, as such term is defined in Section&nbsp;2(a)(9)&nbsp;of the 1940 Act. Except for the following, there is no person known to the
Fund to hold beneficially 5% or more of the outstanding shares of the Fund. As of _____, 2022, there were _______ outstanding shares of
the Fund.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid">Name and Address of Record Owner</TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Amount&nbsp;of&nbsp;Record&nbsp;Ownership</TD><TD STYLE="padding-bottom: 1pt; font: bold 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Percent&nbsp;of&nbsp;Class</TD><TD STYLE="padding-bottom: 1pt; font: bold 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="width: 72%; font: 10pt Times New Roman, Times, Serif; text-align: left"></TD><TD STYLE="width: 2%; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 1%; font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="width: 10%; font-size: 10pt; text-align: right"></TD><TD STYLE="width: 1%; font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="width: 2%; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 1%; font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="width: 10%; font-size: 10pt; text-align: right"></TD><TD STYLE="vertical-align: middle; width: 1%; font-size: 10pt; text-align: left"></TD></TR>
  </TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><A NAME="sp3_13"></A>FINANCIAL STATEMENTS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The audited financial statements and the notes thereto, together with
the report of [________] thereon, are incorporated herein by reference to the Fund&rsquo;s Annual Report to Shareholders for the fiscal
year ended November&nbsp;30, 2021. The Fund will furnish, without charge, a copy of the foregoing documents upon written request to the
Fund&rsquo;s Administrator, Virtus Fund Services, LLC, One Financial Plaza, Hartford, CT 06103.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>PART&nbsp;C</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>OTHER INFORMATION</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 8%; font-size: 10pt"><B>Item&nbsp;25.</B></TD>
    <TD STYLE="font-size: 10pt; width: 92%"><B><I>Financial Statements and Exhibits</I></B></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">(1)&nbsp;Financial Statements</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>In Part&nbsp;A:</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.25in">Financial Highlights for fiscal years ended November&nbsp;30,
2012, 2013, 2014, 2015, 2016, 2017, 2018, 2019, 2020 and 2021.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>In Part&nbsp;B:</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.25in">Incorporated into Part&nbsp;B by reference to Registrant&rsquo;s
most recent Certified Shareholder Report on <A HREF="https://www.sec.gov/Archives/edgar/data/836412/000119312522029831/d221866dncsr.htm">Form&nbsp;N-CSR</A>, filed February&nbsp;7, 2022 (File No.&nbsp;811-05620):</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in">Report of independent registered public accounting firm</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in">Schedule of Investments at November&nbsp;30, 2021</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in">Statement of Assets and Liabilities at November&nbsp;30,
2021</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in">Statement of Operations for the fiscal year ended November&nbsp;30,
2021</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in">Statement of Changes in Net Assets for the fiscal years ended
November&nbsp;30, 2021 and 2020</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in">Statement of Cash Flows for the fiscal year ended November&nbsp;30,
2021</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in">Financial Highlights &mdash; Selected Per Share Data and
Ratios</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in">Notes to Financial Statements</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">(2)&nbsp;Exhibits</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="width: 6%">&nbsp;</TD>
    <TD STYLE="width: 94%">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: top; padding-left: 12pt; text-indent: -12pt">(a)(1)</TD>
    <TD STYLE="vertical-align: bottom">Amended and Restated Articles of Incorporation. (Incorporated by reference to Exhibit&nbsp;(1)&nbsp;of the Registrant&rsquo;s Amendment No.&nbsp;2 to the Registrant&rsquo;s Registration Statement (Filed on September&nbsp;22, 1988, Securities Act File No.&nbsp;33-23252; Investment Company Act File No.&nbsp;811-5620))</TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: top; padding-left: 12pt; text-indent: -12pt"><A HREF="https://www.sec.gov/Archives/edgar/data/836412/000095012307004627/y32550a1exv99waw2.htm">(a)(2)</A></TD>
    <TD STYLE="vertical-align: bottom"><A HREF="https://www.sec.gov/Archives/edgar/data/836412/000095012307004627/y32550a1exv99waw2.htm">Articles Supplementary. (Incorporated by reference to Exhibit&nbsp;99.A.2 of the Registrant&rsquo;s Amendment No.&nbsp;1 to the Registrant&rsquo;s Form&nbsp;N-2 (Filed on March&nbsp;28, 2007, Securities Act File No.&nbsp;333-139605; Investment Company Act File No.&nbsp;811-05620))</A></TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: top; padding-left: 12pt; text-indent: -12pt"><A HREF="https://www.sec.gov/Archives/edgar/data/836412/000094040010000308/ztrf77q1.txt">(a)(3)</A></TD>
    <TD STYLE="vertical-align: bottom"><A HREF="https://www.sec.gov/Archives/edgar/data/836412/000094040010000308/ztrf77q1.txt">Amendment to Articles of Incorporation. (Incorporated by reference to Exhibit&nbsp;99.77Q1 of the Registrant&rsquo;s N-SAR-A for the period ending June&nbsp;30, 2010 (Filed on August&nbsp;25, 2010, File No.&nbsp;811-05620))</A></TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: top; padding-left: 12pt; text-indent: -12pt"><A HREF="https://www.sec.gov/Archives/edgar/data/836412/000114420419033643/tv524567_ex1d.htm">(a)(4)</A></TD>
    <TD STYLE="vertical-align: bottom"><A HREF="https://www.sec.gov/Archives/edgar/data/836412/000114420419033643/tv524567_ex1d.htm">Amendment to Articles of Incorporation dated June&nbsp;26, 2012. (Incorporated by reference to Exhibit&nbsp;1(d). to Form&nbsp;N-14 8C of the Registrant, filed on July&nbsp;2, 2019 (File No.&nbsp;333-232525))</A></TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: top; padding-left: 12pt; text-indent: -12pt"><A HREF="https://www.sec.gov/Archives/edgar/data/836412/000114420419033643/tv524567_ex1e.htm">(a)(5)</A></TD>
    <TD STYLE="vertical-align: bottom"><A HREF="https://www.sec.gov/Archives/edgar/data/836412/000114420419033643/tv524567_ex1e.htm">Amendment to Articles of Incorporation dated June&nbsp;27, 2012. (Incorporated by reference to Exhibit&nbsp;1(e). to Form&nbsp;N-14 8C of the Registrant, filed on July&nbsp;2, 2019 (File No.&nbsp;333-232525))</A></TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: top; padding-left: 12pt; text-indent: -12pt"><A HREF="https://www.sec.gov/Archives/edgar/data/836412/000114420419033643/tv524567_ex1f.htm" STYLE="-sec-extract: exhibit">(a)(6)</A></TD>
    <TD STYLE="vertical-align: bottom"><A HREF="https://www.sec.gov/Archives/edgar/data/836412/000114420419033643/tv524567_ex1f.htm" STYLE="-sec-extract: exhibit">Amendment to Articles of Incorporation dated September&nbsp;16, 2016. (Incorporated by reference to Exhibit&nbsp;1(d). to Form&nbsp;N-14 8C of the Registrant, filed on July&nbsp;2, 2019 (File No.&nbsp;333-232525))</A></TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: top; padding-left: 12pt; text-indent: -12pt"><A HREF="tm228106d1_ex99a7.htm">(a)(7)</A></TD>
    <TD STYLE="vertical-align: bottom"><A HREF="tm228106d1_ex99a7.htm">Amendment to Articles of Incorporation dated November&nbsp;8, 2019.*</A></TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: top; padding-left: 12pt; text-indent: -12pt"><A HREF="https://www.sec.gov/Archives/edgar/data/836412/000094040009000045/ztrf77q1.txt">(b)</A></TD>
    <TD STYLE="vertical-align: bottom"><A HREF="https://www.sec.gov/Archives/edgar/data/836412/000094040009000045/ztrf77q1.txt">Amended and Restated By-Laws. (Incorporated by reference to Exhibit&nbsp;99.77Q1 to the Registrant&rsquo;s N-SAR-B for the period ending December&nbsp;31, 2008 (Filed on February&nbsp;25, 2009; File No.&nbsp;811-05620))</A></TD></TR>
</TABLE>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: top; padding-left: 12pt; text-indent: -12pt; width: 6%">(c)</TD>
    <TD STYLE="vertical-align: bottom; width: 94%">Not applicable.</TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: top; padding-left: 12pt; text-indent: -12pt"><A HREF="tm228106d1_ex99d1.htm">(d)(1)</A></TD>
    <TD STYLE="vertical-align: bottom"><A HREF="tm228106d1_ex99d1.htm">Form&nbsp;of Subscription Certificate.*</A></TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: top; padding-left: 12pt; text-indent: -12pt"><A HREF="tm228106d1_ex99d2.htm">(d)(2)</A></TD>
    <TD STYLE="vertical-align: bottom"><A HREF="tm228106d1_ex99d2.htm">Form&nbsp;of Notice of Guaranteed Delivery.*</A></TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: top; padding-left: 12pt; text-indent: -12pt"><A HREF="tm228106d1_ex99e.htm">(e)</A></TD>
    <TD STYLE="vertical-align: bottom"><A HREF="tm228106d1_ex99e.htm">Automatic Reinvestment and Cash Purchase Plan.*</A></TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: top; padding-left: 12pt; text-indent: -12pt">(f)</TD>
    <TD STYLE="vertical-align: bottom">Not applicable.</TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: top; padding-left: 12pt; text-indent: -12pt"><A HREF="https://www.sec.gov/Archives/edgar/data/836412/000114420419033643/tv524567_ex6a.htm">(g)(1)</A></TD>
    <TD STYLE="vertical-align: bottom"><A HREF="https://www.sec.gov/Archives/edgar/data/836412/000114420419033643/tv524567_ex6a.htm">Investment Advisory Agreement between Registrant and Virtus Investment Advisers,&nbsp;Inc. (&ldquo;VIA&rdquo;), dated November&nbsp;18, 2016. (Incorporated by reference to Exhibit&nbsp;6(a). to Form&nbsp;N-14 8C of the Registrant, filed on July&nbsp;2, 2019 (File No.&nbsp;333-232525))</A></TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: top; padding-left: 12pt; text-indent: -12pt"><A HREF="https://www.sec.gov/Archives/edgar/data/836412/000114420419033643/tv524567_ex6c.htm">(g)(2)</A></TD>
    <TD STYLE="vertical-align: bottom"><A HREF="https://www.sec.gov/Archives/edgar/data/836412/000114420419033643/tv524567_ex6c.htm">Subadvisory Agreement between VIA and Newfleet Asset Management, LLC (&ldquo;Newfleet&rdquo;) dated November&nbsp;18, 2016. (Incorporated by reference to Exhibit&nbsp;6(c). to Form&nbsp;N-14 8C of the Registrant, filed on July&nbsp;2, 2019 (File No.&nbsp;333-232525))</A></TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: top; padding-left: 12pt; text-indent: -12pt"><A HREF="tm228106d1_ex99g3.htm">(g)(3)</A></TD>
    <TD STYLE="vertical-align: bottom"><A HREF="tm228106d1_ex99g3.htm">Subadvisory Agreement between VIA and Duff&nbsp;&amp; Phelps Investment Management Co. (&ldquo;DPIM&rdquo;) dated November&nbsp;18, 2019.*</A></TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: top; padding-left: 12pt; text-indent: -12pt">(h)</TD>
    <TD STYLE="vertical-align: bottom">Not applicable.</TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: top; padding-left: 12pt; text-indent: -12pt">(i)</TD>
    <TD STYLE="vertical-align: bottom">Not applicable.</TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: top; padding-left: 12pt; text-indent: -12pt"><A HREF="https://www.sec.gov/Archives/edgar/data/836412/000114420419033643/tv524567_ex9a.htm">(j)(1)</A></TD>
    <TD STYLE="vertical-align: bottom"><A HREF="https://www.sec.gov/Archives/edgar/data/836412/000114420419033643/tv524567_ex9a.htm">Custody Agreement between Duff&nbsp;&amp; Phelps Energy MLP Total Return Fund Inc. and The Bank of New York Mellon, dated May&nbsp;7, 2014. (Incorporated by reference to Exhibit&nbsp;9(a). to Form&nbsp;N-14 8C of the Registrant, filed on July&nbsp;2, 2019 (File No.&nbsp;333-232525))</A></TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: top; padding-left: 12pt; text-indent: -12pt"><A HREF="https://www.sec.gov/Archives/edgar/data/836412/000114420419033643/tv524567_ex9b.htm">(j)(2)</A></TD>
    <TD STYLE="vertical-align: bottom"><A HREF="https://www.sec.gov/Archives/edgar/data/836412/000114420419033643/tv524567_ex9b.htm">Joinder Agreement and Amendment to Custody Agreement. (Incorporated by reference to Exhibit&nbsp;9(b). to Form&nbsp;N-14 8C of the Registrant, filed on July&nbsp;2, 2019 (File No.&nbsp;333-232525))</A></TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: top; padding-left: 12pt; text-indent: -12pt"><A HREF="https://www.sec.gov/Archives/edgar/data/836412/000114420419033643/tv524567_ex13a.htm">(k)(1)</A></TD>
    <TD STYLE="vertical-align: bottom"><A HREF="https://www.sec.gov/Archives/edgar/data/836412/000114420419033643/tv524567_ex13a.htm">Amended and Restated Administration Agreement between Registrant and Virtus Fund Services, LLC, dated September&nbsp;7, 2016. (Incorporated by reference to Exhibit&nbsp;13(a). to Form&nbsp;N-14 8C of the Registrant, filed on July&nbsp;2, 2019 (File No.&nbsp;333-232525))</A></TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: top; padding-left: 12pt; text-indent: -12pt"><A HREF="https://www.sec.gov/Archives/edgar/data/836412/000114420419033643/tv524567_ex13b.htm">(k)(2)</A></TD>
    <TD STYLE="vertical-align: bottom"><A HREF="https://www.sec.gov/Archives/edgar/data/836412/000114420419033643/tv524567_ex13b.htm">Transfer Agent and Service Agreement between Registrant and Computershare Trust Company NA, dated June&nbsp;1, 2010. (Incorporated by reference to Exhibit&nbsp;13(b). to Form&nbsp;N-14 8C of the Registrant, filed on July&nbsp;2, 2019 (File No.&nbsp;333-232525))</A></TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: top; padding-left: 12pt; text-indent: -12pt"><A HREF="https://www.sec.gov/Archives/edgar/data/836412/000114420419033643/tv524567_ex13c.htm">(k)(3)</A></TD>
    <TD STYLE="vertical-align: bottom"><A HREF="https://www.sec.gov/Archives/edgar/data/836412/000114420419033643/tv524567_ex13c.htm">Sub-Administration Services Agreement, dated December&nbsp;9, 2011. (Incorporated by reference to Exhibit&nbsp;13(c). to Form&nbsp;N-14 8C of the Registrant, filed on July&nbsp;2, 2019 (File No.&nbsp;333-232525))</A></TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: top; padding-left: 12pt; text-indent: -12pt"><A HREF="https://www.sec.gov/Archives/edgar/data/836412/000114420419033643/tv524567_ex13d.htm">(k)(4)</A></TD>
    <TD STYLE="vertical-align: bottom"><A HREF="https://www.sec.gov/Archives/edgar/data/836412/000114420419033643/tv524567_ex13d.htm">Amendment to Sub-Administration Services Agreement, dated September&nbsp;7, 2016. (Incorporated by reference to Exhibit&nbsp;13(d). to Form&nbsp;N-14 8C of the Registrant, filed on July&nbsp;2, 2019 (File No.&nbsp;333-232525))</A></TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: top; padding-left: 12pt; text-indent: -12pt"><A HREF="https://www.sec.gov/Archives/edgar/data/836412/000114420419033643/tv524567_ex13e.htm">(k)(5)</A></TD>
    <TD STYLE="vertical-align: bottom"><A HREF="https://www.sec.gov/Archives/edgar/data/836412/000114420419033643/tv524567_ex13e.htm">Amendment to Sub-Administration Services Agreement, dated December&nbsp;2, 2016. (Incorporated by reference to Exhibit&nbsp;13(e). to Form&nbsp;N-14 8C of the Registrant, filed on July&nbsp;2, 2019 (File No.&nbsp;333-232525))</A></TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: top; padding-left: 12pt; text-indent: -12pt"><A HREF="https://www.sec.gov/Archives/edgar/data/836412/000114420419033643/tv524567_ex13f.htm">(k)(6)</A></TD>
    <TD STYLE="vertical-align: bottom"><A HREF="https://www.sec.gov/Archives/edgar/data/836412/000114420419033643/tv524567_ex13f.htm">Notice of Assignment of Sub-Administration Services Agreement, dated May&nbsp;11, 2017. (Incorporated by reference to Exhibit&nbsp;13(f). to Form&nbsp;N-14 8C of the Registrant, filed on July&nbsp;2, 2019 (File No.&nbsp;333-232525))</A></TD></TR>
</TABLE>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0"></P>

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<P STYLE="margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: top; padding-left: 12pt; text-indent: -12pt; width: 6%"><A HREF="https://www.sec.gov/Archives/edgar/data/836412/000114420419033643/tv524567_ex13g.htm">(k)(7)</A></TD>
    <TD STYLE="vertical-align: bottom; width: 94%"><A HREF="https://www.sec.gov/Archives/edgar/data/836412/000114420419033643/tv524567_ex13g.htm">Amendment to Sub-Administration Services Agreement, dated June&nbsp;16, 2017. (Incorporated by reference to Exhibit&nbsp;13(g). to Form&nbsp;N-14 8C of the Registrant, filed on July&nbsp;2, 2019 (File No.&nbsp;333-232525))</A></TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: top; padding-left: 12pt; text-indent: -12pt"><A HREF="https://www.sec.gov/Archives/edgar/data/836412/000114420419033643/tv524567_ex13h.htm">(k)(8)</A></TD>
    <TD STYLE="vertical-align: bottom"><A HREF="https://www.sec.gov/Archives/edgar/data/836412/000114420419033643/tv524567_ex13h.htm">Amendment to Sub-Administration Services Agreement, dated September&nbsp;21, 2017. (Incorporated by reference to Exhibit&nbsp;13(h). to Form&nbsp;N-14 8C of the Registrant, filed on July&nbsp;2, 2019 (File No.&nbsp;333-232525))</A></TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: top; padding-left: 12pt; text-indent: -12pt"><A HREF="https://www.sec.gov/Archives/edgar/data/836412/000114420419033643/tv524567_ex13i.htm">(k)(9)</A></TD>
    <TD STYLE="vertical-align: bottom"><A HREF="https://www.sec.gov/Archives/edgar/data/836412/000114420419033643/tv524567_ex13i.htm">Accounting Services Agreement, dated December&nbsp;9, 2011. (Incorporated by reference to Exhibit&nbsp;13(i). to Form&nbsp;N-14 8C of the Registrant, filed on July&nbsp;2, 2019 (File No.&nbsp;333-232525))</A></TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: top; padding-left: 12pt; text-indent: -12pt"><A HREF="https://www.sec.gov/Archives/edgar/data/836412/000114420419033643/tv524567_ex13j.htm">(k)(10)</A></TD>
    <TD STYLE="vertical-align: bottom"><A HREF="https://www.sec.gov/Archives/edgar/data/836412/000114420419033643/tv524567_ex13j.htm">Joinder Agreement to Accounting Services Agreement, dated September&nbsp;7, 2016. (Incorporated by reference to Exhibit&nbsp;13(j). to Form&nbsp;N-14 8C of the Registrant, filed on July&nbsp;2, 2019 (File No.&nbsp;333-232525))</A></TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: top; padding-left: 12pt; text-indent: -12pt"><A HREF="https://www.sec.gov/Archives/edgar/data/836412/000114420419033643/tv524567_ex13k.htm">(k)(11)</A></TD>
    <TD STYLE="vertical-align: bottom"><A HREF="https://www.sec.gov/Archives/edgar/data/836412/000114420419033643/tv524567_ex13k.htm">Joinder Agreement to Accounting Services Agreement, dated December&nbsp;2, 2016. (Incorporated by reference to Exhibit&nbsp;13(k). to Form&nbsp;N-14 8C of the Registrant, filed on July&nbsp;2, 2019 (File No.&nbsp;333-232525))</A></TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: top; padding-left: 12pt; text-indent: -12pt"><A HREF="https://www.sec.gov/Archives/edgar/data/836412/000114420419033643/tv524567_ex13l.htm">(k)(12)</A></TD>
    <TD STYLE="vertical-align: bottom"><A HREF="https://www.sec.gov/Archives/edgar/data/836412/000114420419033643/tv524567_ex13l.htm">Amendment to Accounting Services Agreement, dated June&nbsp;16, 2017. (Incorporated by reference to Exhibit&nbsp;13(l). to Form&nbsp;N-14 8C of the Registrant, filed on July&nbsp;2, 2019 (File No.&nbsp;333-232525))</A></TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: top; padding-left: 12pt; text-indent: -12pt"><A HREF="https://www.sec.gov/Archives/edgar/data/836412/000114420419033643/tv524567_ex13m.htm">(k)(13)</A></TD>
    <TD STYLE="vertical-align: bottom"><A HREF="https://www.sec.gov/Archives/edgar/data/836412/000114420419033643/tv524567_ex13m.htm">Notice of Assignment of Accounting Services Agreement, dated June&nbsp;16, 2017. (Incorporated by reference to Exhibit&nbsp;13(m). to Form&nbsp;N-14 8C of the Registrant, filed on July&nbsp;2, 2019 (File No.&nbsp;333-232525))</A></TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: top; padding-left: 12pt; text-indent: -12pt"><A HREF="https://www.sec.gov/Archives/edgar/data/836412/000114420419033643/tv524567_ex13n.htm">(k)(14)</A></TD>
    <TD STYLE="vertical-align: bottom"><A HREF="https://www.sec.gov/Archives/edgar/data/836412/000114420419033643/tv524567_ex13n.htm">Amendment to Accounting Services Agreement, dated September&nbsp;21, 2017. (Incorporated by reference to Exhibit&nbsp;13(n). to Form&nbsp;N-14 8C of the Registrant, filed on July&nbsp;2, 2019 (File No.&nbsp;333-232525))</A></TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: top; padding-left: 12pt; text-indent: -12pt">(k)(15)</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">Form&nbsp;of Subscription Agent Agreement between the Registrant and Computershare Trust Company, N.A.**</TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: top; padding-left: 12pt; text-indent: -12pt">(k)(16)</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">Form&nbsp;of Information Agent Agreement between the Registrant and Georgeson LLC.**</TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: top; padding-left: 12pt; text-indent: -12pt">(l)</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">Opinion and Consent of Miles&nbsp;&amp; Stockbridge.**</TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: top; padding-left: 12pt; text-indent: -12pt">(m)</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">Not applicable.</TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: top; padding-left: 12pt; text-indent: -12pt">(n)</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">Consent of independent auditor.**</TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: top; padding-left: 12pt; text-indent: -12pt">(o)</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">Not applicable.</TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: top; padding-left: 12pt; text-indent: -12pt">(p)</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">Not applicable.</TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: top; padding-left: 12pt; text-indent: -12pt">(q)</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">Not applicable.</TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: top; padding-left: 12pt; text-indent: -12pt"><A HREF="tm228106d1_ex99r1.htm">(r)(1)</A></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><A HREF="tm228106d1_ex99r1.htm">Code of Ethics of the Registrant.*</A></TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: top; padding-left: 12pt; text-indent: -12pt"><A HREF="tm228106d1_ex99r2.htm">(r)(2)</A></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><A HREF="tm228106d1_ex99r2.htm">Code of Ethics of Investment Advisers, applicable to VIA, DPIM and Newfleet.*</A></TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: top; padding-left: 12pt; text-indent: -12pt"><A HREF="tm228106d1_ex99s.htm">(s)</A></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><A HREF="tm228106d1_ex99s.htm">Calculation of Filing Fee Tables.*</A></TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: top; padding-left: 12pt; text-indent: -12pt"><A HREF="tm228106d1_ex99t.htm">(t)</A></TD>
    <TD STYLE="vertical-align: bottom"><A HREF="tm228106d1_ex99t.htm">Powers of Attorney for Donald C. Burke, Sarah E. Cogan, Deborah A. DeCotis, F. Ford Drummond, Sidney E. Harris, John R. Mallin, Connie D. McDaniel, Philip R. McLoughlin, Geraldine M. McNamara, R. Keith Walton and Brian T. Zino.*</A></TD></TR>
  </TABLE>
<P STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 3pt; width: 4%">*</TD>
    <TD STYLE="padding-top: 3pt">Filed herewith. </TD></TR>

<TR STYLE="vertical-align: top">
    <TD STYLE="width: 4%">**</TD>
    <TD>To be filed by amendment. </TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 8%"><B>Item&nbsp;26.</B></TD>
    <TD STYLE="width: 92%"><B><I>Marketing Arrangements</I></B></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Not applicable.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 8%"><B>Item&nbsp;27.</B></TD>
    <TD STYLE="width: 92%"><B><I>Other Expenses of Issuance and Distribution</I></B></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The following table sets forth the estimated expenses expected to be
incurred in connection with the offering described in this Registration Statement:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif">CATEGORY</TD><TD STYLE="font-size: 10pt; font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; padding-bottom: 1pt; font-size: 10pt; font-weight: bold; text-align: center">ESTIMATED&nbsp;EXPENSES*</TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; font-weight: bold">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="width: 86%; font-size: 10pt; text-align: left; text-indent: -12pt; padding-left: 12pt">Legal Fees</TD><TD STYLE="width: 2%; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 1%; font-size: 10pt; text-align: left">$</TD><TD STYLE="width: 10%; font-size: 10pt; text-align: right"></TD><TD STYLE="width: 1%; font-size: 10pt; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt; text-align: left; text-indent: -12pt; padding-left: 12pt">Transfer Agent / Subscription Agent</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">$</TD><TD STYLE="font-size: 10pt; text-align: right"></TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 10pt; text-align: left; text-indent: -12pt; padding-left: 12pt">Printing and Postage Fees</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">$</TD><TD STYLE="font-size: 10pt; text-align: right"></TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt; text-align: left; text-indent: -12pt; padding-left: 12pt">Securities and Exchange Commission Registration Fees</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">$</TD><TD STYLE="font-size: 10pt; text-align: right"></TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 10pt; text-align: left; text-indent: -12pt; padding-left: 12pt">Listing Fees</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">$</TD><TD STYLE="font-size: 10pt; text-align: right"></TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt; text-align: left; text-indent: -12pt; padding-left: 12pt">Information Agent</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">$</TD><TD STYLE="font-size: 10pt; text-align: right"></TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 10pt; text-align: left; text-indent: -12pt; padding-left: 12pt">Audit Fees</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">$</TD><TD STYLE="font-size: 10pt; text-align: right"></TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD></TR>
  </TABLE>


<P STYLE="border-bottom: Black 1pt solid; margin-top: 0; margin-bottom: 0">&nbsp;</P>


<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 3pt; width: 2%">*</TD>
    <TD STYLE="padding-top: 3pt">This information may be subject to future contingencies. </TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 8%"><B>Item&nbsp;28.</B></TD>
    <TD STYLE="width: 92%"><B><I>Persons Controlled by or Under Common Control with Registrant</I></B></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">None.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 8%"><B>Item&nbsp;29.</B></TD>
    <TD STYLE="width: 92%"><B><I>Number of Holders of Securities as of _______, 2022</I></B></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid">Title of Class</TD><TD STYLE="font-size: 10pt; font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font-size: 10pt; font-weight: bold; text-align: center">Number&nbsp;of&nbsp;Record&nbsp;Holders</TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; font-weight: bold">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="width: 78%; font-size: 10pt; text-indent: -12pt; padding-left: 12pt">Common Stock, par value $0.001 per share</TD><TD STYLE="width: 2%; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 1%; font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="width: 18%; font-size: 10pt; text-align: right">[&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;]</TD><TD STYLE="width: 1%; font-size: 10pt; text-align: left"></TD></TR>
  </TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 8%"><B>Item&nbsp;30.</B></TD>
    <TD STYLE="width: 92%"><B><I>Indemnification</I></B></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Under Article&nbsp;VII of the Registrant&rsquo;s Articles of Incorporation
and Article&nbsp;V, Section&nbsp;1, of the Registrant&rsquo;s By-Laws, any past or present director or officer of the Registrant will
be indemnified, and will be advanced expenses, to the fullest extent permitted by Maryland law, but not in violation of Section&nbsp;17(h)&nbsp;or
17(i)&nbsp;of the Investment Company Act of 1940, as amended. Each Independent Director has entered into an indemnification agreement
with the Fund against expenses and costs incurred by him or her in connection with any claims, actions, suits or proceedings by reason
of such person&rsquo;s status as a Director of the Fund, to the fullest extent permitted by applicable law and the Articles of Incorporation
and By-Laws of the Fund, subject to the terms and conditions of such agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">As permitted by Section&nbsp;2-418(k)&nbsp;of the Maryland General
Corporation Law, Article&nbsp;V, Section&nbsp;6, of the Registrant&rsquo;s By-Laws provides that the Registrant shall have the power to
purchase and maintain insurance on behalf of any person who is or was a director, officer, employee or agent of the Registrant or who,
while a director, officer, employee or agent of the Registrant, is or was serving at the request of the Registrant as a director, officer,
partner, trustee, employee or agent of another corporation, partnership, joint venture, trust, enterprise or employee benefit plan, against
any liability asserted against and incurred by him or her in any such capacity, or arising out of his or her status as such, provided
that, pursuant to the By-Laws no insurance may be obtained by the Registrant for liabilities against which it would not have the power
to indemnify him or her under the Article&nbsp;of the By-Laws regarding indemnification or applicable law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 8%"><B>Item&nbsp;31.</B></TD>
    <TD STYLE="width: 92%"><B><I>Business and Other Connections of Investment Adviser and Subadvisers</I></B></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Neither the Fund&rsquo;s investment adviser and subadvisers, nor any
of their directors or executive officers, has at any time during the past two years been engaged in any other business, profession, vocation
or employment of a substantial nature either for the firm&rsquo;s or his or her own account or in the capacity of director, officer, employee,
partner or trustee, except as indicated in this Registration Statement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 8%"><B>Item&nbsp;32.</B></TD>
    <TD STYLE="width: 92%"><B><I>Location of Accounts and Records</I></B></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><I>Corporate records of the Registrant and records relating to the
function of Virtus Investment Advisers,&nbsp;Inc. as Investment Adviser to the Registrant:</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Virtus Investment Advisers,&nbsp;Inc.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">One Financial Plaza</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Hartford, CT 06103</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><I>Records relating to its function as Subadviser to the Registrant:</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Newfleet Asset Management, LLC</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">One Financial Plaza</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Hartford, CT 06103</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><I>Records relating to its function as Subadviser to the Registrant:</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Duff&nbsp;&amp; Phelps Investment Management Co.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">200 S. Wacker Drive, Suite&nbsp;500</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Chicago,&nbsp;IL 60606</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><I>Records relating to its function as Administrator to the Registrant:</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Virtus Fund Services, LLC</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">One Financial Plaza</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Hartford, CT 06103</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><I>Records relating to its function as the Registrant&rsquo;s Transfer
Agent:</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Computershare Trust Company, N.A.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">P.O.&nbsp;Box 505005</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Louisville, KY 40233</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><I>Records relating to its function as Custodian of the Registrant:</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Bank of New York Mellon</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">240 Greenwich Street</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">New York, NY 10286</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 8%"><B>Item&nbsp;33.</B></TD>
    <TD STYLE="width: 92%"><B><I>Management Services</I></B></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Not applicable.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 8%"><B>Item&nbsp;34.</B></TD>
    <TD STYLE="width: 92%"><B><I>Undertakings</I></B></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">(1)&nbsp;Registrant undertakes to suspend offering of the shares covered
hereby until it amends its Prospectus contained herein if (1)&nbsp;subsequent to the effective date of this Registration Statement, its
net asset value per share declines more than ten percent from its net asset value per share as of the effective date of this Registration
Statement, or (2)&nbsp;its net asset value per share increases to an amount greater than its net proceeds as stated in the Prospectus
contained herein.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<!-- Field: Page; Sequence: 100 -->
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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">(2)&nbsp;Not applicable.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">(3)&nbsp;Not applicable.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">(4)&nbsp;Registrant undertakes that:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.25in">(a)&nbsp;For purposes of determining any liability under
the Securities Act, the information omitted from the form of prospectus filed as part of the Registration Statement in reliance upon Rule&nbsp;430A
and contained in the form of prospectus filed by the Registrant pursuant to Rule&nbsp;497(h)&nbsp;under the Securities Act, shall be deemed
to be part of this Registration Statement as of the time it was declared effective.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.25in">(b)&nbsp;For the purpose of determining any liability under
the Securities Act, each post-effective amendment that contains a form of prospectus shall be deemed to be a new registration statement
relating to the securities offered therein, and the offering of such securities at that time shall be deemed to be the initial bona fide
offering thereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">(5)&nbsp;The undersigned Registrant hereby undertakes that, for purposes
of determining any liability under the Securities Act, each filing of the Registrant&rsquo;s annual report pursuant to Section&nbsp;13(a)&nbsp;or
Section&nbsp;15(d)&nbsp;of the Exchange Act that is incorporated by reference into the registration statement shall be deemed to be a
new registration statement relating to the securities offered therein, and the offering of such securities at that time shall be deemed
to be the initial bona fide offering thereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">(6)&nbsp;Insofar as indemnification for liabilities arising under the
Securities Act may be permitted to directors, officers and controlling persons of the Registrant pursuant to the foregoing provisions,
or otherwise, the Registrant has been advised that in the opinion of the Securities and Exchange Commission such indemnification is against
public policy as expressed in the Act and is, therefore, unenforceable. In the event that a claim for indemnification against such liabilities
(other than the payment by the Registrant of expenses incurred or paid by a director, officer or controlling person of the Registrant
in the successful defense of any action, suit or proceeding) is asserted by such director, officer or controlling person in connection
with the securities being registered, the Registrant will, unless in the opinion of its counsel the matter has been settled by controlling
precedent, submit to a court of appropriate jurisdiction the question whether such indemnification by it is against public policy as expressed
in the Act and will be governed by the final adjudication of such issue.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">(7)&nbsp;Registrant undertakes to send by first class mail or other
means designed to ensure equally prompt delivery, within two business days of receipt of a written or oral request, any Statement of Additional
Information.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<!-- Field: Page; Sequence: 101 -->
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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B><A NAME="pc_001"></A>SIGNATURES</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Pursuant to the requirements of the Securities Act of 1933 and the
Investment Company Act of 1940, the Registrant has duly caused this Registration Statement to be signed on its behalf by the undersigned,
thereunto duly authorized, in the City of Hartford and State of Connecticut on the 2<SUP>nd</SUP> day of March, 2022.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-left: 12pt; text-indent: -12pt">VIRTUS TOTAL RETURN FUND INC.</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-left: 12pt; text-indent: -12pt">&nbsp;</TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 4%">By:</TD>
    <TD STYLE="border-bottom: black 1pt solid; vertical-align: top; width: 46%">/s/ George R. Aylward</TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>George R. Aylward</B></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><I>President</I></P></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Pursuant to the requirements of the Securities Act of 1933, this Registration
Statement has been signed by the following persons in the capacities and on the dates indicated:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; width: 35%">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; border-bottom: black 0.75pt solid"><B>Signature</B></P></TD>
    <TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 43%">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; border-bottom: black 0.75pt solid"><B>Title</B></P></TD>
    <TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 18%">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; border-bottom: black 0.75pt solid"><B>Date</B></P></TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; border-bottom: black 0.75pt solid">/s/ George R.
    Aylward</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>George R. Aylward</B></P></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt">President (Principal Executive Officer) and Director</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: top; text-align: center">March&nbsp;2, 2022</TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; border-bottom: black 0.75pt solid">/s/ W. Patrick
    Bradley</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>W. Patrick Bradley</B></P></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: top">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 12pt; text-indent: -12pt">Chief Financial Officer and Treasurer</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 12pt; text-indent: -12pt">(Principal Financial and Accounting Officer)</P></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: top; text-align: center">March&nbsp;2, 2022</TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="border-bottom: Black 1pt solid; vertical-align: top">


    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt">Director</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: top; text-align: center">March&nbsp;2, 2022</TD></TR>
  <TR>
    <TD STYLE="text-align: center; vertical-align: top"><B>Donald C. Burke*</B></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: top; text-align: center">&nbsp;</TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="border-bottom: Black 1pt solid; vertical-align: top">


    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt">Director</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: top; text-align: center">March&nbsp;2, 2022</TD></TR>
  <TR>
    <TD STYLE="text-align: center"><B>Sarah E Cogan*</B></TD>
    <TD COLSPAN="2"></TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="border-bottom: Black 1pt solid; vertical-align: top">


    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt">Director</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: top; text-align: center">March&nbsp;2, 2022</TD></TR>
  <TR>
    <TD STYLE="text-align: center"><B>Deborah A. DeCotis*</B></TD>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="border-bottom: Black 1pt solid; vertical-align: top">


    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt">Director</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: top; text-align: center">March&nbsp;2, 2022</TD></TR>
  <TR>
    <TD STYLE="text-align: center"><B>F. Ford Drummond*</B></TD>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="border-bottom: Black 1pt solid; vertical-align: top">


    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt">Director</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: top; text-align: center">March&nbsp;2, 2022</TD></TR>
  <TR>
    <TD STYLE="text-align: center"><B>Sidney E. Harris*</B></TD>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="border-bottom: Black 1pt solid; vertical-align: top">


    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt">Director</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: top; text-align: center">March&nbsp;2, 2022</TD></TR>
  <TR>
    <TD STYLE="text-align: center"><B>John R. Mallin*</B></TD>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="border-bottom: Black 1pt solid; vertical-align: top">


    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt">Director</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: top; text-align: center">March&nbsp;2, 2022</TD></TR>
  <TR>
    <TD STYLE="text-align: center"><B>Connie D. McDaniel*</B></TD>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="border-bottom: Black 1pt solid; vertical-align: top">


    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt">Director</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: top; text-align: center">March&nbsp;2, 2022</TD></TR>
  <TR>
    <TD STYLE="text-align: center; vertical-align: top"><B>Philip R. McLoughlin*</B></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: top; text-align: center">&nbsp;</TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="border-bottom: Black 1pt solid; vertical-align: top">


    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt">Director</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: top; text-align: center">March&nbsp;2, 2022</TD></TR>
  <TR>
    <TD STYLE="text-align: center"><B>Geraldine M. McNamara*</B></TD>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="border-bottom: Black 1pt solid; vertical-align: top">


    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt">Director</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: top; text-align: center">March&nbsp;2, 2022</TD></TR>
  <TR>
    <TD STYLE="text-align: center"><B>R. Keith Walton*</B></TD>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="border-bottom: Black 1pt solid; vertical-align: top">


    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt">Director</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: top; text-align: center">March&nbsp;2, 2022</TD></TR>
  <TR>
    <TD STYLE="text-align: center; vertical-align: top"><B>Brian T. Zino*</B></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: top; text-align: center">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 4%">* By:</TD>
    <TD STYLE="width: 46%; border-bottom: black 1pt solid">/s/ George R. Aylward</TD>
    <TD STYLE="width: 50%">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>George R. Aylward</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>Attorney-in-fact, pursuant to powers of attorney.</TD>
    <TD>&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B>EXHIBIT&nbsp;INDEX</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: top; width: 6%"><A HREF="tm228106d1_ex99a7.htm">(a)(7)</A></TD>
    <TD STYLE="vertical-align: bottom; width: 94%"><A HREF="tm228106d1_ex99a7.htm">Amendment to Articles of Incorporation dated November&nbsp;8, 2019.</A></TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: top"><A HREF="tm228106d1_ex99d1.htm">(d)(1)</A></TD>
    <TD STYLE="vertical-align: bottom"><A HREF="tm228106d1_ex99d1.htm">Form&nbsp;of Subscription Certificate.</A></TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: top"><A HREF="tm228106d1_ex99d2.htm">(d)(2)</A></TD>
    <TD STYLE="vertical-align: bottom"><A HREF="tm228106d1_ex99d2.htm">Form&nbsp;of Notice of Guaranteed Delivery.</A></TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: top"><A HREF="tm228106d1_ex99e.htm">(e)</A></TD>
    <TD STYLE="vertical-align: bottom"><A HREF="tm228106d1_ex99e.htm">Automatic Reinvestment and Cash Purchase Plan.</A></TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: top"><A HREF="tm228106d1_ex99g3.htm">(g)(3)</A></TD>
    <TD STYLE="vertical-align: bottom"><A HREF="tm228106d1_ex99g3.htm">Subadvisory Agreement between VIA and Duff&nbsp;&amp; Phelps Investment Management Co. (&ldquo;DPIM&rdquo;) dated November&nbsp;18, 2019.</A></TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: top"><A HREF="tm228106d1_ex99r1.htm">(r)(1)</A></TD>
    <TD STYLE="vertical-align: top"><A HREF="tm228106d1_ex99r1.htm">Code of Ethics of the Registrant.</A></TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: top"><A HREF="tm228106d1_ex99r2.htm">(r)(2)</A></TD>
    <TD STYLE="vertical-align: top"><A HREF="tm228106d1_ex99r2.htm">Code of Ethics of Investment Advisers, applicable to VIA, DPIM and Newfleet.</A></TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: top; padding-left: 12pt; text-indent: -12pt"><A HREF="tm228106d1_ex99s.htm">(s)</A></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><A HREF="tm228106d1_ex99s.htm">Calculation of Filing Fee Tables.</A></TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: top; padding-left: 12pt; text-indent: -12pt"><A HREF="tm228106d1_ex99t.htm">(t)</A></TD>
    <TD STYLE="vertical-align: bottom"><A HREF="tm228106d1_ex99t.htm">Powers of Attorney for Donald C. Burke, Sarah E. Cogan, Deborah A. DeCotis, F. Ford Drummond, Sidney E. Harris, John R. Mallin, Connie D. McDaniel, Philip R. McLoughlin, Geraldine M. McNamara, R. Keith Walton and Brian T. Zino.</A></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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</HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.(A)(7)
<SEQUENCE>2
<FILENAME>tm228106d1_ex99a7.htm
<DESCRIPTION>AMENDMENT TO ARTICLES OF INCORPORATION DATED NOVEMBER 8, 2019
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
</HEAD>
<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="text-align: right; margin: 0"><B>Exhibit (a)(7)</B></P>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><U>VIRTUS GLOBAL DIVIDEND&nbsp;&amp; INCOME
FUND INC.</U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>ARTICLES OF AMENDMENT</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Virtus Global Dividend&nbsp;&amp; Income Fund Inc.,
a Maryland corporation (the &ldquo;<U>Corporation</U>&rdquo;), having its principal office in Baltimore City, Maryland, hereby certifies
to the State Department of Assessments and Taxation of Maryland that:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>FIRST:</B></FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="font-size: 10pt">Article&nbsp;II
of the charter of the Corporation (the &ldquo;<U>Charter</U>&rdquo;) is hereby amended to change the name of the Corporation to:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Virtus Total Return Fund Inc.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>SECOND:</B></FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="font-size: 10pt">The
foregoing amendment to the Charter has been approved by a majority of the entire Board of Directors of the Corporation and is limited
to a change expressly authorized by Section&nbsp;2-605 of the Maryland General Corporation Law to be made without action by the stockholders.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>THIRD:</B></FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="font-size: 10pt">These
Articles of Amendment shall become effective at 9:02 a.m.&nbsp;EST on November&nbsp;18, 2019.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>FOURTH</B>:</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="font-size: 10pt">The
undersigned Vice President of the Corporation acknowledges these Articles of Amendment to be the corporate act of the Corporation and,
as to all matters or facts required to be verified under oath, the undersigned Vice President acknowledges that, to the best of his knowledge,
information and belief, these matters and facts are true in all material respects and that this statement is made under the penalties
for perjury.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B>IN WITNESS WHEREOF</B>, the Corporation has
caused these presents to be signed in its name and on its behalf by its Vice President and witnessed by its Assistant Secretary on this
8th day of November, 2019.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>ATTEST:</B></FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="3"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>VIRTUS GLOBAL DIVIDEND&nbsp;&amp; INCOME FUND INC.</B></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 45%">&nbsp;</TD>
    <TD STYLE="width: 4%">&nbsp;</TD>
    <TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 39%">&nbsp;</TD>
    <TD STYLE="width: 6%">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">By:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">/s/Linda J. Miller</FONT></TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">By:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">/s/William J. Renahan</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(SEAL)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Linda J. Miller, Assistant Secretary</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">William J. Renahan, Vice President</FONT></TD>
    <TD>&nbsp;</TD></TR>
  </TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<DOCUMENT>
<TYPE>EX-99.(D)(1)
<SEQUENCE>3
<FILENAME>tm228106d1_ex99d1.htm
<DESCRIPTION>FORM OF SUBSCRIPTION CERTIFICATE
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
</HEAD>
<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Exhibit (d)(1)</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="text-align: center; margin-top: 0; margin-bottom: 0"><IMG SRC="exhibitd1-1.jpg"></P>

<P STYLE="font: 1pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="color: White">Computershare Trust Company, N.A. 150 Royall
Street, Suite V Canton, Massachusetts 02021 Information Agent: Georgeson LLC Banks, brokers and shareholders call toll-free: [PHONE NUMBER]
VIRTUS TOTAL RETURN FUND INC. SUBSCRIPTION CERTIFICATE TO SUBSCRIBE FOR COMMON SHARES OF VIRTUS TOTAL RETURN FUND INC. PLEASE FOLLOW
THE INSTRUCTIONS BELOW: If you wish to subscribe for additional Common Stock of Virtus Total Return Fund Inc., you must submit your instructions
in one of the following ways: Option 1) Internet &ndash; Visit the Offer Website at [URL] and using the Account and Control Codes printed
above sign in and follow the instructions on the website. Option 2) Mail &ndash; Complete the instructions, sign and return this Subscription
Certificate and your check in the envelope provided. VIRTUS TOTAL RETURN FUND INC. SUBSCRIPTION RIGHTS FOR SHARES OF COMMON STOCK THIS
RIGHTS OFFER EXPIRES AT [TIME] EASTERN TIME, ON [DATE] The Virtus Total Return Fund Inc. (the &ldquo;Fund&rdquo;) has distributed to
each holder of its common stock owned as of record (each an &ldquo;Eligible Holder&rdquo;) at &lt;TIME&gt; on &lt;DATE&gt; (the &ldquo;Record
Date&rdquo;), at no charge, one non-transferable right (&ldquo;Subscription Right&rdquo;), for each share of common stock held as of
the Record Date. The rights entitle you to purchase one share of our common stock for every three (3) rights you hold. The subscription
price per share will be equal to [95]% of the lower of the net asset value per shares of the Fund&rsquo;s common stock at the close of
business on &lt;DATE&gt;. Furthermore, each Subscription Right entitles an Eligible Holder who fully exercises its basic subscription
privilege to subscribe, prior to the Expiration Date, for additional shares of common stock of the Fund pursuant to the over-subscription
privilege as described in the enclose Prospectus. The terms and conditions of the Subscription Rights offering are set forth in the Fund&rsquo;s
Prospectus dated &lt;DATE&gt; (as it may be amended or supplemented, the &ldquo;Prospectus&rdquo;), which is incorporated into this Rights
Certificate by reference. Capitalized terms used but not defined herein have the meanings set forth in the Prospectus. The owner of this
certificate is entitled to the number of basic Subscription Rights and is entitled to exercise the basic Subscription Rights for the
number of shares, shown on this Rights Certificate. ESTIMATED SUBSCRIPTION PRICE The Estimated Subscription Price is $____ per Share.
FINAL SUBSCRIPTION PRICE The Subscription Price will be based upon a formula equal to 95% of the reported net asset value or market price
per common share, whichever is lower on the Expiration Date. Market price per common share will be determined based on the average of
the last reported sales prices of a common share on the NYSE on the Expiration Date and the four trading days preceding the Expiration
Date. METHOD OF EXERCISE OF RIGHTS IN ORDER TO EXERCISE YOUR RIGHTS, YOU MUST EITHER (i) SIGN AND COMPLETE THE BACK OF THIS SUBSCRIPTION
CERTIFICATE AND RETURN IT IN THE ENVELOPE PROVIDED TOGETHER WITH PAYMENT OF AN AMOUNT EQUAL TO THE ESTIMATED SUBSCRIPTION PRICE MULTIPLIED
BY THE TOTAL NUMBER OF SHARES FOR WHICH YOU HAVE SUBSCRIBED (INCLUDING PURSUANT TO THE OVER-SUBSCRIPTION PRIVILEGE), OR (ii) PRESENT
A PROPERLY COMPLETED NOTICE OF GUARANTEED DELIVERY, TO THE SUBSCRIPTION AGENT, COMPUTERSHARE TRUST COMPANY, N.A., IN EITHER CASE BEFORE
[TIME] EASTERN TIME, [DATE] Holder ID COY Class Rights Cert # Signature of Owner and U.S. Person for Tax Certification Holder ID COY
Class Rights Cert # Signature of Co-Owner (if more than one registered holder listed) Date (mm/dd/yyyy) 123456789 XXXX Subscription Rights
12345678 1 2 3 4 5 6 7 8 123456789 XXXX Subscription Rights 12345678 Primary Subscription 12345678901234 Rights Account Code: Control
Code: MR A SAMPLE DESIGNATION (IF ANY) ADD 1 ADD 2 ADD 3 ADD 4 ADD 5 ADD 6 C 1234567890 J N T C L S C O Y C</FONT></P>


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    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="text-align: center; margin-top: 0; margin-bottom: 0"><IMG SRC="exhibitd1-2.jpg"></P>

<P STYLE="font: 1pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="color: White">SECTION 1: OFFERING INSTRUCTIONS (check
the appropriate boxes) IF YOU WISH TO SUBSCRIBE FOR YOUR FULL ENTITLEMENT OF SUBSCRIPTION RIGHTS: I apply for ALL of my entitlement of
new shares $ _________________ pursuant to the Primary Subscription EXAMPLE: PRIMARY SUBSCRIPTION ENTITLEMENT (1-FOR-3) No. of Shares
owned on the Record Date 1000 x 1 = 1000 Rights (one Right for every Share held on the Record Date) (Rights Exercised) (No. of Additional
Shares) (No. of Shares) &divide; 3 = x [PRICE] = (per share) x [PRICE] = (per share) $ _________________ $ _________________ Amount of
personal check enclosed $ _________________ IF YOU DO NOT WISH TO APPLY FOR YOUR FULL ENTITLEMENT OF SUBSCRIPTION RIGHTS: In addition,
I apply for additional shares pursuant to the Over-Subscription Privilege* IF YOU DO NOT WISH TO EXERCISE YOUR RIGHT TO SUBSCRIBE: Please
disregard this mailing. SECTION 2: SUBSCRIPTION AUTHORIZATION: I acknowledge that I have received the Prospectus for this Offer and I
hereby irrevocably subscribe for the number of Shares indicated above on the terms and conditions specified in the Prospectus relating
to the Primary Subscription and the Over-Subscription Privilege. I understand and agree that I will be obligated to pay an additional
amount to the Fund if the Final Subscription Price as determined on the Expiration Date is in excess of the [PRICE] Estimated Subscription
Price per Share. I hereby agree that if I fail to pay in full for the Shares for which I have subscribed, the Fund may exercise any of
the remedies set forth in the Prospectus. Signature of Subscriber(s) (and address if different than that listed on this Subscription
Certificate) Telephone number (including area code) I apply for . You must timely pay the Estimated Subscription Price for the full number
of Shares you wish to acquire pursuant to the Primary Subscription and the Over-Subscription Privilege. If you are the record holder,
you must deliver payment to the Subscription Agent via personal check, drawn upon a U.S. bank; please reference your subscription certificate
number on your check or Notice of Guaranteed Delivery. If your shares are held in the name of a broker, dealer, bank or other nominee,
you should deliver payment to such broker, dealer, bank or other nominee, as applicable, in accordance to instructions provided therefrom.
A statement of holdings for the Shares acquired pursuant to both the Primary Subscription and the Over-Subscription Privilege will be
mailed promptly after the expiration of the Offer and after full payment for the Shares subscribed for has been received and cleared.
Because shareholders must only pay the Estimated Subscription Price per Share to exercise their Rights pursuant to this Offer, and the
Final Subscription Price may be higher or lower than the Estimated Subscription Price (and because a shareholder may not receive all
the Shares for which it subscribes pursuant to the Over-Subscription Privilege), shareholders may receive a refund or be required to
pay an additional amount equal to: the difference between the Estimated Subscription Price and the Final Subscription Price, multiplied
by the total number of Shares for which they have subscribed and been issued (including pursuant to the Over-Subscription Privilege).
Any excess payment to be refunded by the Fund to a shareholder will be mailed by the Subscription Agent to such shareholder within ten
Business Days after the Expiration Date. No interest will be paid to shareholders on such amounts. Any additional amounts due from shareholders
(in the event the Final Subscription Price exceeds the Estimated Subscription Price) must be received within eight (8) business days
after the Confirmation Date, [DATE], unless the Offer is extended by the Fund. You can only participate in the Over-Subscription Privilege
if you have subscribed for your full entitlement of new shares pursuant to the Primary Subscription. Please complete all applicable information
and return to: COMPUTERSHARE TRUST COMPANY, N.A. By First Class Mail: Computershare Trust Company, N.A., Corporate Actions Voluntary
Offer; COY: ZTG, P.O. Box 43011, Providence, RI 02940-3011 By Express Mail or Overnight Delivery: Computershare Trust Company, N.A.,
Corporate Actions Voluntary Offer; COY: ASG, 150 Royall Street, Suite V, Canton, MA 02021 DELIVERY OF THIS SUBSCRIPTION CERTIFICATE TO
AN ADDRESS OTHER THAN AS SET FORTH ABOVE DOES NOT CONSTITUTE A VALID DELIVERY. Any questions regarding this Subscription Certificate
and the Rights</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.(D)(2)
<SEQUENCE>4
<FILENAME>tm228106d1_ex99d2.htm
<DESCRIPTION>FORM OF NOTICE OF GUARANTEED DELIVERY
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
</HEAD>
<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Exhibit (d)(2)</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><B>NOTICE OF GUARANTEED DELIVERY</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><B>For Shares of Common Stock of</B></P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><B>VIRTUS TOTAL RETURN FUND INC</B></P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><B>Subscribed for under the Primary
Subscription</B></P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><B>and the Over-Subscription Privilege</B>
(together, the &ldquo;Rights Offering&rdquo;)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Virtus Total Return Fund Inc. (the
 &rsquo;&lsquo;Fund&rsquo;&rsquo;) issued to its shareholders of record, as of the close of business on [DATE] (&rsquo;&lsquo;Record Date&rsquo;&rsquo;),
non-transferable rights (&rsquo;&lsquo;Rights&rsquo;&rsquo;) in the ratio of one Right for each whole share of the Fund&rsquo;s common
stock held on the Record Date, generally entitling the holders thereof to subscribe for new Shares (the &rsquo;&rsquo;Shares&rsquo;&rsquo;)
at a rate of one new Share of common stock of the Fund for each three Rights held (the &rsquo;&lsquo;Primary Subscription&rsquo;&rsquo;),
with the right to subscribe for additional Shares not subscribed for by others in the Primary Subscription (the &rsquo;&lsquo;Over-Subscription
Privilege&rsquo;&rsquo;). At its discretion, the Fund may increase the amount of Shares offered in an amount of up to ___% of the primary
offering amount to cover over-subscription requests. The terms and conditions of the Rights Offering are set forth in the Prospectus,
which is incorporated into this document by reference. Capitalized terms herein shall have the same meaning as defined in the Prospectus.
As set forth in the Prospectus, this form, or one substantially equivalent hereto, may be used as a means of effecting subscription and
payment for all Shares subscribed for under the Primary Subscription and the Over-Subscription Privilege. This form may be delivered by
email transmission, overnight courier or first-class mail to the Subscription Agent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">The Subscription Agent is:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><IMG SRC="tm228106d1_ex99d2img001.jpg" ALT="">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left; width: 35%; font-size: 10pt; vertical-align: top"><B>If By Mail:</B></TD>
    <TD STYLE="width: 5%">&nbsp;</TD>
    <TD STYLE="text-align: center; width: 60%; vertical-align: top">Computershare Trust Company, N.A.<BR>
Attn: Corporate Actions Voluntary Offer; COY: ZTR<BR>
P.O. Box 43011<BR>
Providence, RI 02940-3011</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left; font-size: 10pt; vertical-align: top"><B>&nbsp;</B></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: top; font-size: 10pt; text-align: center">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left; font-size: 10pt; vertical-align: top"><B>If By Overnight Courier:</B></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center; vertical-align: top">Computershare Trust Company, N.A.<BR>
Attn: Corporate Actions Voluntary Offer; COY: ZTR<BR>
150 Royall Street, Suite V<BR>
Canton, MA 02021</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left; font-size: 10pt; vertical-align: top"><B>&nbsp;</B></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: top; font-size: 10pt; text-align: center">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left; font-size: 10pt; vertical-align: top"><B>If By Email:</B></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: top; font-size: 10pt; text-align: center"><I>canoticeofguarantee@computershare.com</I></TD></TR>
  </TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>For information call the information
agent, [Georgeson LLC: [PHONE]</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The New York Stock Exchange member
firm, bank or trust company or other nominee that completes this form must communicate this guarantee and the number of Shares subscribed
for in connection with this guarantee (separately disclosed as to the Primary Subscription and the Over-Subscription Privilege) to the
Subscription Agent and must deliver this Notice of Guaranteed Delivery of Payment to the Subscription Agent prior to [TIME]p.m., Eastern
time, on the Expiration Date, [DATE], unless the Offer is extended by the Fund. This Notice of Guaranteed Delivery guarantees delivery
to the Subscription Agent of (a) payment in full for all subscribed Shares, and (b) a properly completed and signed Subscription Certificate
(which certificate and full payment must then be delivered no later than the close of business on [DATE], the second business day after
the Expiration Date, unless extended). Failure to deliver this Notice or to make the delivery guaranteed will result in a forfeiture of
the Rights.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>DELIVERY OF THIS INSTRUMENT
TO AN ADDRESS, OR EMAIL, OTHER THAN AS SET FORTH ABOVE, DOES NOT CONSTITUTE A VALID DELIVERY. THE ABOVE EMAIL ADDRESS CAN ONLY BE USED
FOR DELIVERY OF THIS NOTICE OF GUARANTEED DELIVERY. ANY TRANSMISSION OF OTHER MATERIALS WILL NOT BE ACCEPTED AND WILL NOT BE CONSIDERED
A VALID SUBMISSION FOR THE SUBSCRIPTION OFFER.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="text-align: center; font: 8pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">VOLUNTARY CORPORATE ACTIONS COY: ZTR</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><B>GUARANTEE</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The undersigned, a member firm of
the New York Stock Exchange or a bank or trust company having an office or correspondent in the United States, hereby guarantees delivery
to the Subscription Agent by no later than [TIME], Eastern time, on [DATE] (unless extended as described in the Prospectus) of (a) a properly
completed and executed Subscription Certificate and (b) payment of the full Estimated Subscription Price for Shares subscribed for pursuant
to the Primary Subscription and for any additional Shares subscribed for pursuant to the Over-Subscription Privilege, as subscription
for such Shares is indicated herein or in the Subscription Certificate.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
  <TD STYLE="width: 40%"><B>Virtus Total Return Fund Inc.</B></TD>
  <TD STYLE="width: 60%"><B>Broker Assigned Control #<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></B></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD>1. Primary Subscription</TD>
    <TD>&nbsp;</TD>
    <TD>Number of
Rights to be exercised</TD>
    <TD>&nbsp;</TD>
    <TD>Number of Shares pursuant to the Primary Subscription requested for
which you are guaranteeing delivery of Rights and payment</TD>
    <TD>&nbsp;</TD>
    <TD>Payment to be made in connection with the Shares Subscribed for under
the Primary Subscription</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 20%">&nbsp;</TD>
    <TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="width: 24%"><U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U>&nbsp;Rights</TD>
    <TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="width: 25%">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; margin-top: 0pt; margin-bottom: 0pt"><U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    </U>Shares</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt">(Rights held &divide; by 3)</P></TD>
    <TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="width: 25%">$<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>2. Over-Subscription</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>Number of Shares Requested pursuant to the Over-Subscription Privilege for which you are guaranteeing payment</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify">Payment to be made in connection with the Shares requested pursuant to the Over-Subscription Privilege</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD><U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U>&nbsp;Shares</TD>
    <TD>&nbsp;</TD>
    <TD>$<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>3. Totals</TD>
    <TD>&nbsp;</TD>
    <TD>Total Number of Rights to be Delivered</TD>
    <TD>&nbsp;</TD>
    <TD>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 6.8pt">Total Number of Shares</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 6.8pt">Subscribed for and/or Requested</P></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD><U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U>&nbsp;Rights</TD>
    <TD>&nbsp;</TD>
    <TD><U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U>&nbsp;Shares</TD>
    <TD>&nbsp;</TD>
    <TD>$<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U><BR>
Total Payment</TD></TR>
  </TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Method of delivery of the Notice of Guaranteed Delivery
(circle one)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">A. Through The Depository Trust Company (&ldquo;DTC&rdquo;)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">B. Direct to Computershare, as Subscription Agent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Please reference below the registration of the Rights to be
delivered.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">PLEASE
ASSIGN A UNIQUE CONTROL NUMBER FOR EACH GUARANTEE SUBMITTED. This number needs to be referenced on any direct delivery of Rights or any
delivery through DTC.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 45%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Name of Firm </FONT></TD>
    <TD STYLE="width: 10%">&nbsp;</TD>
    <TD STYLE="width: 45%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Authorized Signature</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">DTC Participant Number</FONT></TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Title</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Address</FONT></TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Name (Please Type or Print)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>Zip Code</TD>
    <TD>&nbsp;</TD>
    <TD>Phone Number</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Contact Name</FONT></TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Date</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Participants should notify the subscription agent
prior to covering through the submission of a physical security directly to the subscription agent based on a guaranteed delivery that
was submitted via the PSOP platform of The Depository Trust Company (&rsquo;&lsquo;DTC&rsquo;&rsquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="text-align: center; font: 8pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">VOLUNTARY CORPORATE ACTIONS COY: ZTR</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.(E)
<SEQUENCE>5
<FILENAME>tm228106d1_ex99e.htm
<DESCRIPTION>AUTOMATIC REINVESTMENT AND CASH PURCHASE PLAN
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
</HEAD>
<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="text-align: right; margin: 0"><B>Exhibit (e)</B></P>

<P STYLE="margin: 0; text-align: right">&nbsp;</P>

<P STYLE="font: 14pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Automatic Reinvestment and Cash Purchase Plan</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Virtus Total Return Fund Inc. (the &ldquo;Fund&rdquo;) allows you to
conveniently reinvest distributions monthly in additional Fund shares thereby enabling you to compound your returns from the Fund. By
choosing to reinvest, you&rsquo;ll be able to invest money regularly and automatically, and watch your investment grow.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">It is important to note that an automatic reinvestment plan does not
ensure a profit, nor does it protect you against loss in a declining market.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Enrollment in the Reinvestment Plan</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">It is the policy of the Fund to automatically reinvest distributions
payable to shareholders. A &ldquo;registered&rdquo; shareholder automatically becomes a participant in the Fund&rsquo;s Automatic Reinvestment
and Cash Purchase Plan (the &ldquo;Plan&rdquo;). The Plan authorizes the Fund to credit all shares of common stock to participants upon
a distribution regardless of whether the shares are trading at a discount or premium to the net asset value. Registered shareholders may
terminate their participation and receive distributions in cash by contacting Computershare Trust Company, N.A. (the &ldquo;Plan Administrator&rdquo;).
The termination will become effective with the next distribution if the Plan Administrator is notified at least 7 business days prior
to the distribution payment date. Registered shareholders that wish to change their distribution option from cash payment to reinvest
may do so by contacting the Plan Administrator at 1-866-270-7788. In the case of banks, brokers, or other nominees which hold your shares
for you as the beneficial owner, the Plan Administrator will administer the Plan based on the information provided by the bank, broker
or nominee. To the extent that you wish to participate in the Plan, you should contact the broker, bank or nominee holding your shares
to ensure that your account is properly represented. If necessary, you may have your shares taken out of the name of the broker, bank
or nominee and register them in your own name.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>How shares are purchased through the Reinvestment Plan</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">When a distribution is declared, nonparticipants in the plan will receive
cash. Participants in the Plan will receive shares of the Fund valued as described below:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">If on the payable date of the distribution, the market price of the
Fund&rsquo;s common stock is less than the net asset value, the Plan Administrator will buy Fund shares on behalf of the Participant in
the open market, on the New York Stock Exchange (NYSE) or elsewhere. The price per share will be equal to the weighted average price of
all shares purchased, including commissions. Commission rates are currently $0.02 per share, although the rate is subject to change and
may vary. If, following the commencement of purchases and before the Plan Administrator has completed its purchases, the trading price
equals or exceeds the most recent net asset value of the common shares, the Plan Administrator may cease purchasing shares on the open
market and the Fund may issue the remaining shares at a price equal to the greater of (a)&nbsp;the net asset value on the last day the
Plan Administrator purchased shares or (b)&nbsp;95% of the market price on such day. In the case where the Plan Administrator has terminated
open market purchase and the Fund has issued the remaining shares, the number of shares received by the Participant in respect of the
cash distribution will be based on the weighted average of prices paid for shares purchased in the open market and the price at which
the Fund issued the remaining shares. Under certain circumstances, the rules&nbsp;and regulations of the Securities and Exchange Commission
may require limitation or temporary suspension of market purchases of shares under the Plan. The Plan Administrator will not be accountable
for its inability to make a purchase during such a period.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">If on the payable date of the distribution, the market price is equal
to or exceeds the net asset value, Participants will be issued new shares by the Fund at the greater of the (a)&nbsp;the net asset value
on the payable date or (b)&nbsp;95% of the market price on such date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The automatic reinvestment of distributions will not relieve
Participants of any income tax which may be payable on such distributions. A Participant in the Plan will be treated for federal
income tax purposes, as having received on a payment date, a distribution in an amount equal to the cash the participant could have
received instead of shares. If you participate in the Plan, you will receive a Form&nbsp;1099-DIV concerning the Federal tax status
of distributions paid during the year.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Charges to Participate in the Plan</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">As a Participant in the Plan you will not pay any charge to have your
distributions reinvested in additional shares. The Plan Administrator&rsquo;s fees for handling the reinvestment of distributions will
be paid by the Fund. There will be no brokerage commissions for shares issued directly by the Fund in payment of distributions. However,
each Participant will pay a pro rata share of brokerage commissions incurred (currently $0.02 per share, but may vary and is subject to
change) with respect to the Plan Administrator&rsquo;s open market purchases in connection with the reinvestment of distributions.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Voluntary Cash Purchase Plan</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Participants in the Plan have the option of making additional cash
payments for investment in shares of the Fund. Such payments can be made in any amount from $100 per payment to $3,000 per month. The
Plan Administrator will use the funds received to purchase Fund shares in the open market on the 15<SUP>th</SUP> of each month or the
next business day if the 15<SUP>th</SUP> falls on a weekend or holiday (the &ldquo;Investment Date&rdquo;). The purchase price per share
will be equal to the weighted average price of all shares purchased on the Investment Date, including commissions. There is no charge
to shareholders for Cash Purchases. The plan administrator&rsquo;s fee will be paid by the Fund. However, each participating shareholder
will pay pro rata share of brokerage commissions incurred (currently $0.02 per share, but may vary and is subject to change) with respect
to the Plan Administrator&rsquo;s open market purchases in connection with all cash investments. Voluntary cash payments should be sent
to Computershare, P.O.&nbsp;Box 6006, Carol Stream,&nbsp;IL 60197-6006.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Participants have an unconditional right to obtain the return of any
cash payment if the Plan Administrator receives written notice at least 5 business days before such payment is to be invested.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Automatic Monthly Investment</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Participants in the Plan may purchase additional shares by means of
an Automatic Monthly Investment of not less than $100 nor more than $3,000 per month by electronic funds transfer from a predesignated
U.S bank account. If a Participant has already established a Plan account and wishes to initiate Automatic Monthly Investments, the Participant
must complete and sign an automatic monthly investment form and return it to the Plan Administrator together with a voided check or deposit
slip for the account from which funds are to be withdrawn. Automatic monthly investment forms may be obtained from the Plan Administrator
by calling 1-866-270-7788.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Termination of Shares</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Shareholders wishing to liquidate shares held with the Plan Administrator
must do so in writing or by calling 1-866-270-7788. The Plan Administrator does not charge a fee for liquidating your shares; however,
a brokerage commission of $0.02 will be charged. This charge may vary and is subject to change.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Once terminated, you may re-enroll in the Plan (provided you still
have shares registered in your name) by contacting the Plan Administrator at 1-866-270-7788.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Additional Information</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">For more information regarding the Automatic Reinvestment and Cash
Purchase Plan, please contact the Plan Administrator at 1-866-270-7788 or visit our website at Virtus.com.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Fund reserves the right to amend or terminate the Plan as applied
to any voluntary cash payments made and any dividend or distribution paid subsequent to written notice of the change sent to the members
of the Plan at least 90 days before the record date for such distribution. The Plan also may be amended or terminated by the Plan Administrator
with at least 90 days&rsquo; written notice to participants in the Plan.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.(G)(3)
<SEQUENCE>6
<FILENAME>tm228106d1_ex99g3.htm
<DESCRIPTION>SUBADVISORY AGREEMENT
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
</HEAD>
<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="text-align: right; margin: 0"><B>Exhibit (g)(3)</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>VIRTUS TOTAL RETURN FUND INC.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><U>SUBADVISORY AGREEMENT</U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right; margin: 0pt 0; text-indent: 334.5pt">November&nbsp;18, 2019</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Duff&nbsp;&amp; Phelps Investment Management
Co.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">200 South Wacker Drive, Suite&nbsp;500</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Chicago,&nbsp;Illinois 60606</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.5in; text-align: left"><FONT STYLE="font-size: 10pt"><B>RE:</B></FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt"><B>Subadvisory Agreement</B></FONT></TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Ladies and Gentlemen:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Virtus Total Return Fund Inc. f/k/a Virtus Global Dividend&nbsp;&amp;
Income Fund Inc. (the &ldquo;Fund&rdquo;) is a closed-end investment company registered under the Investment Company Act of 1940 (the
 &ldquo;Act&rdquo;), and is subject to the rules&nbsp;and regulations promulgated thereunder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Virtus Investment Advisers,&nbsp;Inc. (the &ldquo;Adviser&rdquo;) evaluates
and recommends subadvisers for the Fund and is responsible for the day-to-day management of the Fund.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">1.</TD><TD><U>Employment as a Subadviser</U>. The Adviser, being duly authorized, hereby employs Duff&nbsp;&amp; Phelps Investment Management
Co. (the &ldquo;Subadviser&rdquo;) as a discretionary adviser to invest and reinvest that discrete portion of the assets of the Fund designated
by the Adviser (the &ldquo;Allocated Portion&rdquo;) as set forth on Schedule F attached hereto on the terms and conditions set forth
herein. The services of the Subadviser hereunder are not to be deemed exclusive; the Subadviser may render services to others and engage
in other activities that do not conflict in any material manner with the Subadviser&rsquo;s performance hereunder. It is acknowledged
and agreed that the Adviser may appoint from time to time other subadvisers in addition to the Subadviser to manage the assets of the
Fund that do not constitute the Allocated Portion and nothing in this Agreement shall be construed or interpreted to grant the Subadviser
an exclusive arrangement to act as the sole subadviser to the Fund. It is further acknowledged and agreed that the Adviser makes no commitment
to designate any portion of the Fund assets to the Subadviser as the Allocated Portion.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">2.</TD><TD><U>Acceptance of Employment; Standard of Performance</U>. The Subadviser accepts its employment as a discretionary adviser of the
Allocated Portion and agrees, subject to the oversight of the Board of Directors of the Fund (the &ldquo;Board&rdquo;) and the Adviser,
to use its best professional judgment to make investment decisions for the Allocated Portion in accordance with the provisions of this
Agreement and as set forth in Schedule D attached hereto and made a part hereof. The Subadviser shall for all purposes herein be deemed
to be an independent contractor and shall, except as expressly provided or authorized (whether herein or otherwise), have no authority
or obligation to act for or represent the Adviser or the Fund in any way.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">3.</TD><TD><U>Services of Subadviser</U>. In providing management services to the Allocated Portion of the Fund, the Subadviser shall be subject
to the investment objectives, policies and restrictions of the Fund as set forth in the Fund&rsquo;s most recent prospectus (&ldquo;Prospectus&rdquo;)
and statement of additional information (&ldquo;Statement of Additional Information&rdquo;) filed with the Securities and Exchange Commission
(the &ldquo;SEC&rdquo;) as part of the Fund&rsquo;s registration statement (&ldquo;Registration Statement&rdquo;), as they may be periodically
amended and provided to the Subadviser by the Adviser, and to the investment restrictions set forth in the Act and the Rules&nbsp;thereunder,
to the supervision and control of the Board, and to instructions from the Adviser. The Subadviser shall not, without the Fund&rsquo;s
prior written approval, effect any transactions that would cause the Allocated Portion of the Fund at the time of the transaction to be
out of compliance with any of such restrictions or policies. Except as expressly set forth in this Agreement, the Subadviser shall not
be responsible for aspects of the Fund&rsquo;s investment program other than managing the Allocated Portion in accordance with the terms
and conditions of this Agreement, including without limitation the requirements of this Section&nbsp;3 and Schedule D of this Agreement.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">4.</TD><TD><U>Transaction Procedures</U>. All transactions for the Allocated Portion shall be consummated by payment to, or delivery by, the
custodian(s)&nbsp;from time to time designated by the Fund (the &ldquo;Custodian&rdquo;), or such depositories or agents as may be designated
by the Custodian in writing, of all cash and/or securities due to or from the Fund. The Subadviser shall not have possession or custody
of such cash and/or securities or any responsibility or liability with respect to such custody. The Subadviser shall advise the Custodian
and confirm in writing to the Fund all investment orders for the Allocated Portion placed by it with brokers and dealers at the time and
in the manner set forth in Schedule A hereto (as amended from time to time). The Fund shall issue to the Custodian such instructions as
may be appropriate in connection with the settlement of any transaction initiated by the Subadviser. The Fund shall be responsible for
all custodial arrangements and the payment of all custodial charges and fees, and, upon giving proper instructions to the Custodian, the
Subadviser shall have no responsibility or liability with respect to custodial arrangements or the act, omissions or other conduct of
the Custodian.</TD></TR></TABLE>

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<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">5.</TD><TD><U>Allocation of Brokerage</U>. The Subadviser shall have authority and discretion to select brokers and dealers to execute transactions
for the Allocated Portion initiated by the Subadviser, and to select the markets on or in which the transactions will be executed.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">A.</TD><TD>In placing orders for the sale and purchase of securities for the Allocated Portion, the Subadviser&rsquo;s primary responsibility
shall be to seek the best execution of orders at the most favorable prices. However, this responsibility shall not obligate the Subadviser
to solicit competitive bids for each transaction or to seek the lowest available commission cost to the Allocated Portion, as long as
the Subadviser reasonably believes that the broker or dealer selected by it can be expected to obtain a &ldquo;best execution&rdquo; market
price on the particular transaction and determines in good faith that the commission cost is reasonable in relation to the value of the
brokerage and research services (as defined in Section&nbsp;28(e)(3)&nbsp;of the Securities Exchange Act of 1934, as amended) provided
by such broker or dealer to the Subadviser, viewed in terms of either that particular transaction or of the Subadviser&rsquo;s overall
responsibilities with respect to its clients, including the Fund, as to which the Subadviser exercises investment discretion, notwithstanding
that the Fund may not be the direct or exclusive beneficiary of any such services or that another broker may be willing to charge the
Fund a lower commission on the particular transaction.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">B.</TD><TD>The Subadviser may manage other portfolios and expects that the Allocated Portion and other portfolios the Subadviser manages will,
from time to time, purchase or sell the same securities. The Subadviser may aggregate orders for the purchase or sale of securities on
behalf of the Allocated Portion with orders on behalf of other portfolios the Subadviser manages. Securities purchased or proceeds of
securities sold through aggregated orders, as well as expenses incurred in the transaction, shall be allocated to the account of each
portfolio managed by the Subadviser that bought or sold such securities in a manner considered by the Subadviser to be equitable and consistent
with the Subadviser&rsquo;s fiduciary obligations in respect of the Fund and to such other accounts.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">C.</TD><TD>The Subadviser shall not execute any transactions for the Allocated Portion with a broker or dealer that is (i)&nbsp;an &ldquo;affiliated
person&rdquo; (as defined in the Act) of the Fund, the Subadviser, or any other subadviser to the Fund, or the Adviser; (ii)&nbsp;a principal
underwriter of the Fund&rsquo;s shares; or (iii)&nbsp;an affiliated person of such an affiliated person or principal underwriter; in each
case, unless such transactions are permitted by applicable law or regulation and carried out in compliance with any applicable policies
and procedures of the Fund. The Fund shall provide the Subadviser with a list of brokers and dealers that are &ldquo;affiliated persons&rdquo;
of the Fund or the Adviser or the principal underwriter, and applicable policies and procedures. Upon the request of the Adviser, the
Subadviser shall promptly, and in any event within three business days of a request, indicate whether any entity identified by the Adviser
in such request is an &ldquo;affiliated person,&rdquo; as such term is defined in the Act, of (i)&nbsp;the Subadviser or (ii)&nbsp;any
affiliated person of the Subadviser, subject in each case to any confidentiality requirements applicable to the Subadviser and/or its
affiliates. Further, the Subadviser shall provide the Adviser with a list of (x)&nbsp;each broker-dealer entity that is an &ldquo;affiliated
person,&rdquo; as such term is defined in the Act, of the Subadviser and (y)&nbsp;each affiliated person of the Subadviser that has outstanding
publicly-issued debt or equity. Each of the Adviser and the Subadviser agrees promptly to update such list(s)&nbsp;whenever the Adviser
or the Subadviser becomes aware of any changes that should be added to or deleted from such list of affiliated persons.</TD></TR></TABLE>

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<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">D.</TD><TD>Consistent with its fiduciary obligations to the Fund and the requirements of best price and execution, the Subadviser may, under
certain circumstances, arrange to have purchase and sale transactions effected directly between the Allocated Portion and another account
managed by the Subadviser (&ldquo;cross transactions&rdquo;), provided that such transactions are carried out in accordance with applicable
law or regulation and any applicable policies and procedures of the Fund. The Fund shall provide the Subadviser with applicable policies
and procedures.</TD></TR></TABLE>

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<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">6.</TD><TD><U>Proxies and Other Shareholder Actions</U>.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">A.</TD><TD>Unless the Adviser or the Fund gives the Subadviser written instructions to the contrary, the Subadviser, or a third party designee
acting under the authority and supervision of the Subadviser, shall review all proxy solicitation materials and be responsible for voting
and handling all proxies in relation to the assets of the Allocated Portion. Unless the Adviser or the Fund gives the Subadviser written
instructions to the contrary, provided that the Adviser has reviewed the Subadviser&rsquo;s proxy voting procedures then in effect and
determined them to comply with the requirements of the Fund&rsquo;s proxy voting policy, the Subadviser will, in compliance with the Subadviser&rsquo;s
proxy voting procedures then in effect, vote or abstain from voting, all proxies solicited by or with respect to the issuers of securities
in which assets of the Allocated Portion may be invested. The Adviser shall cause the Custodian, the Administrator or another party, to
forward promptly to the Subadviser all proxies upon receipt, so as to afford the Subadviser a reasonable amount of time in which to determine
how to vote such proxies. The Subadviser agrees to provide the Adviser in a timely manner with any changes to the Subadviser&rsquo;s proxy
voting procedures. The Subadviser further agrees to provide the Adviser in a timely manner with a record of votes cast containing all
of the voting information required by Form&nbsp;N-PX in an electronic format to enable the Fund to file Form&nbsp;N-PX as required by
Rule&nbsp;30b1-4 under the Act. During any annual period in which the Subadviser has voted proxies for the Fund, the Subadviser shall,
as may reasonably be requested by the Adviser, certify as to its compliance with its proxy voting policies and procedures and applicable
federal statutes and regulations.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">B.</TD><TD>The Subadviser is authorized to deal with reorganizations, exchange
                                            offers and other voluntary corporate actions with respect to securities held by the Allocated
                                            Portion in such manner as the Subadviser deems advisable, unless the Fund or the Adviser
                                            otherwise specifically directs in writing. It is acknowledged and agreed that the Subadviser
                                            shall not be responsible for the filing of claims (or otherwise causing the Fund to participate)
                                            in class action settlements or similar proceedings in which shareholders may participate
                                            related to securities currently or previously associated with the Allocated Portion. With
                                            the Adviser&rsquo;s approval, on a case-by-case basis, the Subadviser may obtain the authority
                                            and take on the responsibility to: (i)&nbsp;identify, evaluate and pursue legal claims, including
                                            commencing or defending suits, affecting the securities held at any time in the Allocated
                                            Portion, including claims in bankruptcy, class action securities litigation and other litigation;
                                            (ii)&nbsp;participate in such litigation or related proceedings with respect to such securities
                                            as the Subadviser deems appropriate to preserve or enhance the value of the Allocated Portion,
                                            including filing proofs of claim and related documents and serving as &ldquo;lead plaintiff&rdquo;
                                            in class action lawsuits; (iii)&nbsp;exercise generally any of the powers of an owner with
                                            respect to the supervision and management of such rights or claims, including the settlement,
                                            compromise or submission to arbitration of any claims, the exercise of which the Subadviser
                                            deems to be in the best interest of the Fund or required by applicable law, including ERISA,
                                            and (iv)&nbsp;employ suitable agents, including legal counsel, and to pay their reasonable
                                            fees, expenses and related costs from the Fund.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">7.</TD><TD><U>Prohibited Conduct</U>. In accordance with Rule&nbsp;12d3-1 and Rule&nbsp;17a-10 under the Act and any other applicable law or
regulation, the Subadviser&rsquo;s responsibility regarding investment advice hereunder is limited to the Allocated Portion, and the Subadviser
will not consult with any other investment advisory firm that provides investment advisory services to the Fund or any other investment
company sponsored by Virtus Investment Partners,&nbsp;Inc. or its affiliates regarding transactions in securities or other assets for
the Fund. The Fund shall provide the Subadviser with a list of investment companies sponsored by Virtus Investment Partners,&nbsp;Inc.
and its affiliates, and the Subadviser shall be in breach of the foregoing provision only if the investment company is included in such
a list provided to the Subadviser prior to such prohibited action. The Subadviser, and its affiliates and agents, shall refrain from making
any written or oral statements concerning the Fund, any other investment company sponsored by Virtus Investment Partners,&nbsp;Inc. or
its affiliates, and any substantially similar products, that are reasonably likely to mislead investors regarding either (i)&nbsp;the
services rendered by the Subadviser to the Allocated Portion or the Fund, or (ii)&nbsp;the Fund, including without limitation with respect
to the investment strategies and/or risks, and/or the performance thereof. In addition, the Subadviser shall not, without the prior written
consent of the Fund and the Adviser, delegate any obligation assumed pursuant to this Agreement to any affiliated or unaffiliated third
party. The parties acknowledge and agree that the Subadviser may, in its discretion, utilize personnel employed by affiliates of the Subadviser
to perform services pursuant to this Agreement by way of a &ldquo;participating affiliate&rdquo; agreement in accordance with, and to
the extent permitted by, the Act and the Investment Advisers Act of 1940, as amended (the &ldquo;Advisers Act&rdquo;), including the published
interpretations thereof by the SEC or its staff. Such participating affiliate agreement shall subject the personnel providing such services
to the Subadviser&rsquo;s compliance and other programs with respect to their activities on behalf of the Allocated Portion. For the avoidance
of doubt, it is acknowledged and agreed that the Subadviser assumes full responsibility for all actions, and any failure to act, by each
person utilized by the Subadviser to perform services under this Agreement.</TD></TR></TABLE>

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<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">8.</TD><TD><U>Information and Reports</U>.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">A.</TD><TD>The Subadviser shall keep the Fund and the Adviser informed of developments relating to its duties as Subadviser of which the Subadviser
has, or should have, knowledge that would materially affect the Fund. In this regard, the Subadviser shall provide the Fund, the Adviser
and their respective officers with such periodic reports concerning the obligations the Subadviser has assumed under this Agreement as
the Fund and the Adviser may from time to time reasonably request. In addition, prior to each meeting of the Board, the Subadviser shall
provide the Adviser and the Board with reports regarding the Subadviser&rsquo;s management of the Allocated Portion during the most recently
completed quarter, which reports: (i)&nbsp;shall include Subadviser&rsquo;s representation that its performance of its investment management
duties hereunder is in compliance with the Fund&rsquo;s investment objectives and practices, the Act and applicable rules&nbsp;and regulations
under the Act, and the diversification and minimum &ldquo;good income&rdquo; requirements of Subchapter M under the Internal Revenue Code
of 1986, as amended, and (ii)&nbsp;otherwise shall be in such form as may be mutually agreed upon by the Subadviser and the Adviser.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">B.</TD><TD>Each of the Adviser and the Subadviser shall provide the other party with a list, to the best of the Adviser&rsquo;s or the Subadviser&rsquo;s
respective knowledge, of each affiliated person (and any affiliated person of such an affiliated person) of the Adviser or the Subadviser,
as the case may be, and each of the Adviser and Subadviser agrees promptly to update such list whenever the Adviser or the Subadviser
becomes aware of any changes that should be added to or deleted from the list of affiliated persons.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">C.</TD><TD>The Subadviser shall also provide the Adviser with any information reasonably requested by the Adviser regarding its management of
the Allocated Portion required for any shareholder report or other disclosure document filed by the Fund with the SEC.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">9.</TD><TD><U>Fees for Services</U>. The compensation of the Subadviser for its services under this Agreement shall be calculated and paid by
the Adviser in accordance with the attached Schedule C. Pursuant to the Investment Advisory Agreement between the Fund and the Adviser
(the &ldquo;Advisory Agreement&rdquo;), the Adviser is solely responsible for the payment of fees to the Subadviser.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">10.</TD><TD><U>Limitation of Liability</U>. Absent the Subadviser&rsquo;s breach of this Agreement or the willful misconduct, bad faith, gross
negligence, or reckless disregard of the obligations or duties hereunder on the part of the Subadviser, or its officers, directors, partners,
agents, employees and controlling persons, the Subadviser shall not be liable for any act or omission in the course of, or connected with,
rendering services hereunder or for any losses that may be sustained in the purchase, holding or sale of any position; provided, however,
that the Subadviser shall be responsible for, and shall indemnify and hold the Fund and the Adviser and each of their respective directors
or trustees, members, officers, employees and shareholders, and each person, if any, who controls the Fund or the Adviser within the meaning
of Section&nbsp;15 of the Securities Act of 1933, as amended (the &ldquo;Securities Act&rdquo;), harmless against, any and all Losses
(as defined below) arising out of or resulting from a &ldquo;Trade Error&rdquo; (as defined in the compliance policies and procedures
of the Fund and/or the Subadviser), as the same may be amended from time to time) caused by the negligent action or negligent omission
of the Subadviser or its agent. The Adviser agrees to provide prior written notice to the Subadviser of any material changes to the definition
of Trade Error becoming effective with respect to the Allocated Portion unless, in the reasonable discretion of the Adviser, such change
must become effective earlier due to any applicable law, rule, regulation or court order. It is acknowledged and agreed that any Trade
Error that results in a gain to the Fund shall inure to the benefit of the Fund. For the avoidance of doubt, it is acknowledged and agreed
that the Fund is a third party beneficiary of the indemnity granted in this Section&nbsp;10, and the indemnity is intended to cover claims
by the Fund, or the Adviser against the Subadviser for recovery pursuant to this section.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">11.</TD><TD><U>Confidentiality</U>. Subject to the duty of the Subadviser and the
                                            Fund to comply with applicable law, including any demand of any regulatory or taxing authority
                                            having jurisdiction, the parties hereto shall treat as confidential all information pertaining
                                            to the Fund and the actions of the Subadviser and the Fund in respect thereof. Notwithstanding
                                            the foregoing, the Fund and the Adviser agree that the Subadviser may (i)&nbsp;disclose in
                                            marketing materials and similar communications that the Subadviser has been engaged to manage
                                            assets of the Allocated Portion pursuant to this Agreement, and (ii)&nbsp;include performance
                                            statistics regarding the Allocated Portion in composite performance statistics regarding
                                            one or more groups of Subadviser's clients published or included in any of the foregoing
                                            communications, provided that the Subadviser does not identify any performance statistics
                                            as relating specifically to the Fund.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">12.</TD><TD><U>Assignment</U>. This Agreement shall terminate automatically in the event of its assignment, as that term is defined in Section&nbsp;2(a)(4)&nbsp;of
the Act. The Subadviser shall notify the Fund and the Adviser in writing sufficiently in advance of any proposed change of control, as
defined in Section&nbsp;2(a)(9)&nbsp;of the Act, as will enable the Fund to consider whether an assignment as defined in Section&nbsp;2(a)(4)&nbsp;of
the Act will occur, and to take the steps necessary to enter into a new contract with the Subadviser.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">13.</TD><TD><U>Representations, Warranties and Agreements of the Subadviser</U>. The Subadviser represents, warrants and agrees that:</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 35.25pt">A.</TD><TD>It is duly organized, validly existing, and in good standing under the laws of the jurisdiction of its organization, and is qualified
to do business in each jurisdiction in which failure to be so qualified would reasonably be expected to have a material adverse effect
upon it. It (i)&nbsp;is registered as an &ldquo;investment adviser&rdquo; under the Investment Advisers Act of 1940, as amended (&ldquo;Advisers
Act&rdquo;) and will continue to be so registered for so long as this Agreement remains in effect; (ii)&nbsp;is not prohibited by the
Act or the Advisers Act from performing the services contemplated by this Agreement; provided, however, that the Subadviser makes no representation
or warranty with regard to the approval of this Agreement by the Board under Section&nbsp;15 of the Act; (iii)&nbsp;has appointed a Chief
Compliance Officer under Rule&nbsp;206(4)-7 under the Advisers Act; (iv)&nbsp;has adopted written policies and procedures that are reasonably
designed to prevent violations of the Advisers Act from occurring, and correct promptly any violations that have occurred, and will provide
notice promptly to the Adviser of any material violations relating to the Fund; (v)&nbsp;has materially met and will seek to continue
to meet for so long as this Agreement remains in effect, any other applicable federal or state requirements, or the applicable requirements
of any regulatory or industry self-regulatory agency.</TD></TR></TABLE>

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<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 35.25pt">B.</TD><TD>It is either registered as a commodity trading advisor or duly exempt from such registration with the U.S. Commodity Futures Trading
Commission (&ldquo;CFTC&rdquo;), and it will maintain such registration or exemption continuously during the term of this Agreement or,
alternatively, will become a commodity trading advisor duly registered with the CFTC and will be a member in good standing with the National
Futures Association.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 35.25pt">C.</TD><TD>It will maintain, keep current and preserve on behalf of the Fund, in the manner required or permitted by the Act and the Rules&nbsp;thereunder
including the records identified in Schedule B (as Schedule B may be amended from time to time). The Subadviser agrees that such records
are the property of the Fund, and shall be surrendered to the Fund or to the Adviser as agent of the Fund promptly upon request of either.
The Fund acknowledges that the Subadviser may retain copies of all records required to meet the record retention requirements imposed
by law and regulation.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 35.25pt">D.</TD><TD>It shall maintain a written code of ethics (the &ldquo;Code of Ethics&rdquo;) complying with the requirements of Rule&nbsp;204A-1
under the Advisers Act and Rule&nbsp;17j-l under the Act and shall provide the Fund and the Adviser with a copy of the Code of Ethics
and evidence of its adoption. It shall institute procedures reasonably necessary to prevent Access Persons (as defined in Rule&nbsp;17j-1)
from violating its Code of Ethics. The Subadviser acknowledges receipt of the written code of ethics adopted by and on behalf of the Fund.
Each calendar quarter while this Agreement is in effect, a duly authorized compliance officer of the Subadviser shall certify to the Fund
and to the Adviser that the Subadviser has complied with the requirements of Rules&nbsp;204A-1 and 17j-l during the previous calendar
quarter and that there has been no material violation of its Code of Ethics, or of Rule&nbsp;17j-1(b), or that any persons covered under
its Code of Ethics has divulged or acted upon any material, non-public information, as such term is defined under relevant securities
laws, and if such a violation of the code of ethics of the Fund has occurred, or if such a violation of its Code of Ethics has occurred,
that appropriate action was taken in response to such violation. The Subadviser shall notify the Adviser promptly of any material violation
of the Code of Ethics involving the Fund. The Subadviser will provide such additional information regarding violations of the Code of
Ethics directly affecting the Fund as the Fund or its Chief Compliance Officer on behalf of the Fund or the Adviser may reasonably request
in order to assess the functioning of the Code of Ethics or any harm caused to the Fund from a violation of the Code of Ethics. Further,
the Subadviser represents that it has policies and procedures regarding the detection and prevention of the misuse of material, nonpublic
information by the Subadviser and its employees. The Subadviser will explain what it has done to seek to ensure such compliance in the
future. Annually, the Subadviser shall furnish to the Fund and the Adviser a written report which complies with the requirements of Rule&nbsp;17j-1
concerning the Subadviser&rsquo;s Code of Ethics. The Subadviser shall permit the Fund and the Adviser to examine the reports required
to be made by the Subadviser under Rules&nbsp;204A-1(b)&nbsp;and 17j-l(d)(1)&nbsp;and this subparagraph.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">E.</TD><TD>It has adopted and implemented, and throughout the term of this Agreement shall maintain in effect and implement, policies and procedures
reasonably designed to prevent, detect and correct violations by the Subadviser and its supervised persons, and, to the extent the activities
of the Subadviser in respect of the Fund could affect the Fund, by the Fund, of &ldquo;federal securities laws&rdquo; (as defined in Rule&nbsp;38a-1
under the Act), and that the Subadviser has provided the Fund with true and complete copies of its policies and procedures (or summaries
thereof) and related information reasonably requested by the Fund and/or the Adviser. The Subadviser agrees to cooperate with periodic
reviews by the Fund&rsquo;s and/or the Adviser&rsquo;s compliance personnel of the Subadviser&rsquo;s policies and procedures, their operation
and implementation and other compliance matters and to provide to the Fund and/or the Adviser from time to time such additional information
and certifications in respect of the Subadviser&rsquo;s policies and procedures, compliance by the Subadviser with federal securities
laws and related matters as the Fund&rsquo;s and/or the Adviser&rsquo;s compliance personnel may reasonably request. The Subadviser agrees
to promptly notify the Adviser of any compliance violations which affect the Fund.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">F.</TD><TD>The Subadviser will immediately notify the Fund and the Adviser of the occurrence of any event which would disqualify the Subadviser
from serving as an investment adviser of an investment company pursuant to Section&nbsp;9 of the Act or otherwise. The Subadviser will
also immediately notify the Fund and the Adviser if it is served or otherwise receives notice of any action, suit, proceeding, inquiry
or investigation, at law or in equity, before or by any court, public board or body, including but not limited to the SEC and the CFTC,
involving the affairs of the Fund.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">G.</TD><TD>To the best of its knowledge, there are no material pending, threatened, or contemplated actions, suits, proceedings, or investigations
before or by any court, governmental, administrative or self-regulatory body, board of trade, exchange, or arbitration panel to which
it or any of its directors, officers, employees, partners, shareholders, members or principals, or any of its affiliates is a party or
to which it or its affiliates or any of its or its affiliates&rsquo; assets are subject, nor has it or any of its affiliates received
any notice of an investigation, inquiry, or dispute by any court, governmental, administrative, or self-regulatory body, board of trade,
exchange, or arbitration panel regarding any of its or their activities, which might reasonably be expected to result in (i)&nbsp;a material
adverse effect on the Fund or (ii)&nbsp;a material adverse change in the Subadviser&rsquo;s condition (financial or otherwise) or business,
or which might reasonably be expected to materially impair the Subadviser&rsquo;s ability to discharge its obligations under this Agreement.
The Subadviser will also immediately notify the Fund and the Adviser if the representation in this Section&nbsp;13.G is no longer accurate.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">H.</TD><TD>The Subadviser shall promptly notify the Adviser of any changes in its executive officers, partners or in its key personnel, including,
without limitation, any change in the portfolio manager(s)&nbsp;responsible for the Allocated Portion or if there is an actual or expected
change in control or management of the Subadviser.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">14.</TD><TD><U>No Personal Liability</U>. Reference is hereby made to the Articles of Incorporation establishing the Fund, a copy of which has
been filed with the State Department of Assessments and Taxation of Maryland and elsewhere as required by law, and to any and all amendments
thereto so filed with the State Department of Assessments and Taxation of Maryland and elsewhere as required by law, and to any and all
amendments hereafter filed. The name &ldquo;Virtus Total Return Fund Inc.&rdquo; and references to &ldquo;Directors&rdquo; refer to the
Directors under said Articles of Incorporation as Directors and not personally, and no Director, shareholder, officer, agent or employee
of the Fund shall be held to any personal liability in connection with the affairs of the Fund; only the Fund estate under said Articles
of Incorporation is liable. Without limiting the generality of the foregoing, neither the Subadviser nor any of its officers, directors,
partners, shareholders or employees shall, under any circumstances, have recourse or cause or willingly permit recourse to be had directly
or indirectly to any personal, statutory, or other liability of any shareholder, Director, officer, agent or employee of the Fund or of
any successor of the Fund, whether such liability now exists or is hereafter incurred for claims against the Fund estate.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">15.</TD><TD><U>Entire Agreement; Amendment</U>. This Agreement, together with the Schedules attached hereto, constitutes the entire agreement
of the parties with respect to the subject matter hereof and supersedes any prior written or oral agreements pertaining to the subject
matter of this Agreement. This Agreement may be amended at any time, but only by written agreement among the Subadviser, the Adviser and
the Fund, which amendment, other than amendments to Schedules A, B, D, E and F, is subject to the approval of the Board (including those
Directors who are not &ldquo;interested persons&rdquo; of the Fund) and, if required by the Act or applicable SEC rules&nbsp;and regulations,
a vote of a &ldquo;majority of the outstanding voting securities&rdquo; of the Fund (as defined in the Act); provided, however, that,
notwithstanding the foregoing, this Agreement may be amended or terminated in accordance with any exemptive order issued to the Adviser,
the Fund or its affiliates. It is understood that from time to time the Allocated Portion may be zero. This Agreement does not terminate
in the event that no Allocated Portion is available for the Subadviser.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">16.</TD><TD><U>Effective Date; Term</U>. This Agreement shall become effective on the date set forth on the first page&nbsp;of this Agreement,
and shall continue in effect for two years. The Agreement shall continue from year to year thereafter only so long as its continuance
has been specifically approved at least annually by the Board in accordance with Section&nbsp;15(a)&nbsp;of the Act, and by the majority
vote of the disinterested Directors in accordance with the requirements of Section&nbsp;15(c)&nbsp;of the Act.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">17.</TD><TD><U>Termination</U>. This Agreement may be terminated at any time without payment of any penalty (i)&nbsp;by the Board, or by a vote
of a &ldquo;majority of the outstanding voting securities&rdquo; of the Fund (as defined in the Act), upon 60 days&rsquo; prior written
notice to the Adviser and the Subadviser, (ii)&nbsp;by the Subadviser upon 60 days&rsquo; prior written notice to the Adviser and the
Fund, or (iii)&nbsp;by the Adviser upon 60 days&rsquo; written notice to the Subadviser. This Agreement may also be terminated, without
the payment of any penalty, by the Adviser or the Board immediately (i)&nbsp;upon the material breach by the Subadviser of this Agreement
or (ii)&nbsp;at the terminating party&rsquo;s discretion, if the Subadviser or any officer, director or key portfolio manager of the Subadviser
is accused in any regulatory, self-regulatory or judicial investigation or proceeding as having violated the federal securities laws or
engaged in criminal conduct. This Agreement may also be terminated, without the payment of any penalty, by the Subadviser immediately
(i)&nbsp;upon the material breach by the Adviser of this Agreement or (ii)&nbsp;at the discretion of the Subadviser, if the Adviser or
any officer or director of the Adviser is accused in any regulatory, self-regulatory or judicial investigation or proceeding as having
violated the federal securities laws or engaged in criminal conduct. This Agreement shall terminate automatically and immediately upon
termination of the Advisory Agreement. This Agreement shall terminate automatically and immediately in the event of its assignment, as
such term is defined in and interpreted under the terms of the Act and the rules&nbsp;promulgated thereunder. Provisions of this Agreement
relating to indemnification and the preservation of records, as well as any responsibilities or obligations of the parties hereto arising
from matters initiated prior to termination, shall survive any termination of this Agreement.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">18.</TD><TD><U>Applicable Law</U>. To the extent that state law is not preempted by the provisions of any law of the United States heretofore
or hereafter enacted, as the same may be amended from time to time, this Agreement shall be administered, construed and enforced according
to the laws of the State of Delaware applicable to contracts entered into and fully performed within the State of Delaware.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">19.</TD><TD><U>Severability</U>. If any term or condition of this Agreement shall be invalid or unenforceable to any extent or in any application,
then the remainder of this Agreement shall not be affected thereby, and each and every term and condition of this Agreement shall be valid
and enforced to the fullest extent permitted by law.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">20.</TD><TD><U>Notices.</U> Any notice or other communication required to be given pursuant to this Agreement shall be deemed duly given if delivered
personally or by overnight delivery service or mailed by certified or registered mail, return receipt requested and postage prepaid, or
sent by facsimile addressed to the parties at their respective addresses set forth below, or at such other address as shall be designated
by any party in a written notice to the other party.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(a)</TD><TD>To the Adviser or the Fund at:</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in">Virtus Investment Advisers,&nbsp;Inc.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in">One Financial Plaza</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in">Hartford, CT 06103</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in">Attn: Jennifer Fromm</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in">Telephone: (860) 263-4790</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in">Email: Jennifer.fromm@virtus.com</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(b)</TD><TD>To the Subadviser at:</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">Duff&nbsp;&amp; Phelps Investment Management Co.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">200 South Wacker Drive, Suite&nbsp;500</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">Chicago,&nbsp;Illinois 60606</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in">Attn: William Renahan, Chief Compliance Officer</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in">Telephone: (312) 917-6549</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">Email: William.renahan@dpimc.com</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">21.</TD><TD><U>Certifications. </U>The Subadviser shall timely provide to the Adviser and the Fund, all information and documentation they may
reasonably request as necessary or appropriate in order for the Adviser and the Board to oversee the activities of the Subadviser and
in connection with the compliance by any of them with the requirements of this Agreement, the Registration Statement, the policies and
procedures referenced herein, and any applicable law, including, without limitation, (i)&nbsp;information and commentary relating to the
Subadviser or the Allocated Portion for the Fund&rsquo;s annual and semi-annual reports, in a format reasonably approved by the Adviser,
together with (A)&nbsp;a certification that such information and commentary discuss all of the factors that materially affected the performance
of the Fund with respect to the Allocated Portion, including the relevant market conditions and the investment techniques and strategies
used and (B)&nbsp;additional certifications related to the Subadviser&rsquo;s management of the Fund in order to support the Fund&rsquo;s
filings on Form&nbsp;N-CSR, Form&nbsp;N-Q and other applicable forms, and the Fund&rsquo;s Principal Executive Officer&rsquo;s and Principal
Financial Officer&rsquo;s certifications under Rule&nbsp;30a-2 under the Act, thereon; (ii)&nbsp;within 5 business days of a quarter-end,
a quarterly certification with respect to compliance and operational matters related to the Subadviser and the Subadviser&rsquo;s management
of the Allocated Portion (including, without limitation, compliance with the applicable procedures), in a format reasonably requested
by the Adviser, as it may be amended from time to time; and (iii)&nbsp;an annual certification from the Subadviser&rsquo;s Chief Compliance
Officer, appointed under Rule&nbsp;206(4)-7 under the Advisers Act with respect to the design and operation of the Subadviser&rsquo;s
compliance program, in a format reasonably requested by the Adviser or the Fund. Without limiting the foregoing, the Subadviser shall
provide a quarterly certification in a form substantially similar to that attached as Schedule E.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">22.</TD><TD><U>Indemnification</U>.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in">A.</TD><TD STYLE="text-align: justify">The Subadviser shall indemnify and hold harmless the Adviser from and against any and all claims, losses,
liabilities, or damages (including reasonable attorney&rsquo;s fees and other related expenses) (collectively, &ldquo;Losses&rdquo;) arising
from the Subadviser&rsquo;s willful misfeasance, bad faith, gross negligence, or reckless disregard of its duties under this Agreement
in the performance of its obligations under this Agreement; provided, however, that the Subadviser&rsquo;s obligation under this Section&nbsp;22
shall be reduced to the extent that the claim against, or the loss, liability, or damage experienced by the Adviser, is caused by or is
otherwise directly related to (i)&nbsp;any breach by the Adviser of its representations or warranties made herein, (ii)&nbsp;any willful
misconduct, bad faith, reckless disregard or negligence of the Adviser in the performance of any of its duties or obligations hereunder,
or (iii)&nbsp;any untrue statement of a material fact contained in the Registration Statement, proxy materials, reports, advertisements,
sales literature, or other materials pertaining to the Fund or the omission to state therein a material fact known to the Adviser that
was required to be stated therein or necessary to make the statements therein not misleading, if such statement or omission was made in
reliance upon information furnished to the Subadviser or the Fund, or the omission of such information, by the Adviser for use therein.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in">B.</TD><TD STYLE="text-align: justify">The Adviser shall indemnify and hold harmless the Subadviser from and against any and all Losses arising
from the Adviser&rsquo;s willful misfeasance, bad faith, gross negligence, or reckless disregard of its duties under this Agreement in
the performance of its obligations under this Agreement; provided, however, that the Adviser&rsquo;s obligation under this Section&nbsp;22
shall be reduced to the extent that the claim against, or the loss, liability, or damage experienced by the Subadviser, is caused by or
is otherwise directly related to (i)&nbsp;any breach by the Subadviser of its representations or warranties made herein, (ii)&nbsp;any
willful misconduct, bad faith, reckless disregard or negligence of the Subadviser in the performance of any of its duties or obligations
hereunder, or (iii)&nbsp;any untrue statement of a material fact contained in the Registration Statement, proxy materials, reports, advertisements,
sales literature, or other materials pertaining to the Fund or the omission to state therein a material fact known to the Subadviser that
was required to be stated therein or necessary to make the statements therein not misleading, if such statement or omission was made in
reliance upon information furnished to the Adviser or the Fund, or the omission of such information, by the Subadviser for use therein.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in">C.</TD><TD STYLE="text-align: justify">A party seeking indemnification hereunder (the &ldquo;Indemnified Party&rdquo;) will (i)&nbsp;provide
prompt notice to the other of any claim (&ldquo;Claim&rdquo;) for which it intends to seek indemnification, (ii)&nbsp;grant control of
the defense and /or settlement of the Claim to the other party, and (iii)&nbsp;cooperate with the other party in the defense thereof.
The Indemnified Party will have the right at its own expense to participate in the defense of any Claim, but will not have the right to
control the defense, consent to judgment or agree to the settlement of any Claim without the written consent of the other party. The party
providing the indemnification will not consent to the entry of any judgment or enter any settlement which (i)&nbsp;does not include, as
an unconditional term, the release by the claimant of all liabilities for Claims against the Indemnified Party or (ii)&nbsp;which otherwise
adversely affects the rights of the Indemnified Party.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in">D.</TD><TD STYLE="text-align: justify">No party will be liable to another party for consequential damages under any provision of this Agreement.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">23.</TD><TD><U>Receipt of Disclosure Document</U>. The Fund and the Adviser acknowledge receipt of a copy of Part&nbsp;2 of the Subadviser&rsquo;s
Form&nbsp;ADV containing certain information concerning the Subadviser and the nature of its business prior to or on the date of execution
of this Agreement. The Subadviser will, promptly after making any amendment to its Form&nbsp;ADV, furnish a copy of such amendment to
the Adviser. On an annual basis and upon request, the Subadviser will provide a copy of its audited financial statements, including balance
sheets, for the two most recent fiscal years and, if available, each subsequent fiscal quarter. At the time of providing such information,
the Subadviser shall describe any material adverse change in its financial condition since the date of its latest financial statement.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">24.</TD><TD><U>Counterparts; Fax Signatures</U>.
                                            This Agreement may be executed in any number of counterparts (including executed counterparts
                                            delivered and exchanged by facsimile transmission) with the same effect as if all signing
                                            parties had originally signed the same document, and all counterparts shall be construed
                                            together and shall constitute the same instrument. For all purposes, signatures delivered
                                            and exchanged by facsimile transmission shall be binding and effective to the same extent
                                            as original signatures.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">25.</TD><TD><U>Bankruptcy and Related Events</U>. Each of the Adviser and the Subadviser agrees that it will provide prompt notice to the other
in the event that: (i)&nbsp;it makes an assignment for the benefit of creditors, files a voluntary petition in bankruptcy, or is otherwise
adjudged bankrupt or insolvent by a court of competent jurisdiction; or (ii)&nbsp;a material event occurs that could reasonably be expected
to adversely impair its ability to perform this Agreement. The Adviser further agrees that it will provide prompt notice to the Subadviser
in the event that the Fund ceases to be registered as an investment company under the Act.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>[</B>signature page&nbsp;follows<B>]</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>VIRTUS total return fUND inc. F/K/A</B></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>VIRTUS GLOBAL DIVIDEND&nbsp;&amp; INCOME FUND INC.</B></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 5%">&nbsp;</TD>
    <TD STYLE="width: 42%">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">By:</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid">&nbsp;&nbsp;<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">/s/W. Patrick Bradley</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Name:</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">W. Patrick Bradley</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Title:</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Executive Vice President, Chief Financial Officer and Treasurer</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>VIRTUS INVESTMENT ADVISERS,&nbsp;INC.</B></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">By:</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;/s/Francis G. Waltman</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Name:</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Francis G. Waltman</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Title:</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Executive Vice President</FONT></TD></TR>
  </TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>ACCEPTED:</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>DUFF&nbsp;&amp; PHELPS INVESTMENT MANAGEMENT
CO.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">By:</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">/s/Nathan Partain</FONT></TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 5%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Name:</FONT></TD>
    <TD STYLE="width: 42%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Nathan Partain</FONT></TD>
    <TD STYLE="width: 50%">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Title:</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">President and Chief Investment Officer</FONT></TD>
    <TD>&nbsp;</TD></TR>
  </TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 15%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">SCHEDULES:</FONT></TD>
    <TD STYLE="width: 5%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">A.</FONT></TD>
    <TD STYLE="width: 80%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Operational Procedures</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">B.</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Record Keeping Requirements</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">C.</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Fee Schedule</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">D.</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Subadviser Functions</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">E.</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Form&nbsp;of Sub-Certification</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">F.</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Allocated Portion of the Fund</FONT></TD></TR>
  </TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><U>SCHEDULE A</U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>OPERATIONAL PROCEDURES</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">In order to minimize operational problems, it will be necessary for
trade information to be supplied in a secure manner by the Subadviser to the Fund&rsquo;s service providers, including: JPMorgan Chase
Bank, NA (the &ldquo;Custodian&rdquo;), Virtus Fund Services, LLC (the &ldquo;Fund Administrator&rdquo;) BNY Mellon Investment Servicing
(US) Inc., (the &ldquo;Sub-Accounting Agent&rdquo;), JP Morgan (the &ldquo;Prime Broker&rdquo;) and all other Counterparties/Brokers as
required. The Subadviser must furnish the Fund&rsquo;s service providers with required daily information as to executed trades in a format
and time-frame agreed to by the Subadviser, Custodian, Fund Administrator, Sub-Accounting Agent and Prime Broker/Counterparties and designated
persons of the Fund. Trade information sent to the Custodian, Fund Administrator, Sub-Accounting Agent and Prime Broker/Counterparties
must include all necessary data within the required timeframes to allow such parties to perform their obligations to the Fund.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Sub-Accounting Agent specifically requires a daily trade blotter
with a summary of all trades, in addition to trade feeds, including, if no trades are executed, a report to that effect. Daily information
as to executed trades for same-day settlement and future trades must be sent to the Sub-Accounting Agent no later than 4:30 p.m.&nbsp;(Eastern
Time) on the day of the trade each day the Fund is open for business. All other executed trades must be delivered to the Sub-Accounting
Agent on Trade Date plus 1 by Noon (Eastern Time) to ensure that they are part of the Fund&rsquo;s NAV calculation. (The Subadviser will
be responsible for reimbursement to the Fund for any loss caused by the Subadviser&rsquo;s failure to comply with the requirements of
this Schedule A.) On fiscal quarter ends and calendar quarter ends, all trades must be delivered to the Sub-Accounting Agent by 4:30 p.m.&nbsp;(Eastern
Time) for inclusion in the financial statements of the Fund. The data to be sent to the Sub-Accounting Agent and/or Fund Administrator
will be as agreed by the Subadviser, Fund Administrator, Sub-Accounting Agent and designated persons of the Fund and shall include (without
limitation) the following:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.5in; text-align: left">1.</TD><TD STYLE="text-align: justify">Transaction type (e.g., purchase, sale, open, close, put call);</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.5in; text-align: left">2.</TD><TD STYLE="text-align: justify">Security type (e.g., equity, fixed income, swap, future, option,
short, long);</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.5in; text-align: left">3.</TD><TD STYLE="text-align: justify">Security name;</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.5in; text-align: left">4.</TD><TD STYLE="text-align: justify">Exchange identifier (e.g., CUSIP,&nbsp;ISIN, Sedol, OCC Symbol)
(as applicable);</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.5in; text-align: left">5.</TD><TD STYLE="text-align: justify">Number of shares and par, original face, contract amount, notional
amount;</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.5in; text-align: left">6.</TD><TD STYLE="text-align: justify">Transaction price per share (clean if possible);</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.5in; text-align: left">7.</TD><TD STYLE="text-align: justify">Strike price;</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.5in; text-align: left">8.</TD><TD STYLE="text-align: justify">Aggregate principal amount;</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">9.</TD><TD>Executing broker;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.5in; text-align: left">10.</TD><TD STYLE="text-align: justify">Settlement agent;</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.5in; text-align: left">11.</TD><TD STYLE="text-align: justify">Trade date;</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.5in; text-align: left">12.</TD><TD STYLE="text-align: justify">Settlement date;</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.5in; text-align: left">13.</TD><TD STYLE="text-align: justify">Aggregate commission or if a net trade;</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.5in; text-align: left">14.</TD><TD STYLE="text-align: justify">Interest purchased or sold from interest bearing security;</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.5in; text-align: left">15.</TD><TD STYLE="text-align: justify">Net proceeds of the transaction;</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.5in; text-align: left">16.</TD><TD STYLE="text-align: justify">Trade commission reason: best execution, soft dollar or research
(to be provided quarterly);</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.5in; text-align: left">17.</TD><TD STYLE="text-align: justify">Derivative terms;</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.5in; text-align: left">18.</TD><TD STYLE="text-align: justify">Non-deliverable forward classification (to be provided quarterly);</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.5in; text-align: left">19.</TD><TD STYLE="text-align: justify">Maturity/expiration date; and</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.5in; text-align: left">20.</TD><TD STYLE="text-align: justify">Details of margin and collateral movement.</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><U>SCHEDULE B</U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>RECORDS TO BE MAINTAINED BY THE SUBADVISER</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">1.</TD><TD>(Rule&nbsp;31a-1(b)(5)&nbsp;and (6)) A record of each brokerage order, and all other purchases and sales, given by the Subadviser
on behalf of the Fund for, or in connection with, the purchase or sale of securities, whether executed or unexecuted. Such records shall
include:</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in; text-align: left"><FONT STYLE="font-size: 10pt">A.</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt">The name of the broker;</FONT></TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">B.</TD><TD>The terms and conditions of the order and of any modifications or cancellations thereof;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in; text-align: left"><FONT STYLE="font-size: 10pt">C.</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt">The time of entry or cancellation;</FONT></TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in; text-align: left"><FONT STYLE="font-size: 10pt">D.</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt">The price at which executed;</FONT></TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in; text-align: left"><FONT STYLE="font-size: 10pt">E.</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt">The time of receipt of a report
of execution; and</FONT></TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in; text-align: left"><FONT STYLE="font-size: 10pt">F.</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt">The name of the person who placed
the order on behalf of the Fund.</FONT></TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">2.</TD><TD>(Rule&nbsp;31a-1(b)(9)) A record for each fiscal quarter, completed within ten (10)&nbsp;days after the end of the quarter, showing
specifically the basis or bases upon which the allocation of orders for the purchase and sale of securities to named brokers or dealers
was effected, and the division of brokerage commissions or other compensation on such purchase and sale orders. Such record:</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in; text-align: left"><FONT STYLE="font-size: 10pt">A.</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt">Shall include the consideration
given to:</FONT></TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in">(i)</TD><TD>The sale of shares of the Fund by brokers or dealers.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in">(ii)</TD><TD>The supplying of services or benefits by brokers or dealers to:</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.5in; text-align: left"><FONT STYLE="font-size: 10pt">(a)</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt">The Fund,</FONT></TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.5in; text-align: left"><FONT STYLE="font-size: 10pt">(b)</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt">The Adviser,</FONT></TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.5in; text-align: left"><FONT STYLE="font-size: 10pt">(c)</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt">The Subadviser, and</FONT></TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.5in; text-align: left"><FONT STYLE="font-size: 10pt">(d)</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt">Any person other than the foregoing.</FONT></TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in">(iii)</TD><TD>Any other consideration other than the technical qualifications of the brokers and dealers as such.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">B.</TD><TD>Shall show the nature of the services or benefits made available.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">C.</TD><TD>Shall describe in detail the application of any general or specific formula or other determinant used in arriving at such allocation
of purchase and sale orders and such division of brokerage commissions or other compensation.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">D.</TD><TD>Shall show the name of the person responsible for making the determination of such allocation and such division of brokerage commissions
or other compensation.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">3.</TD><TD>(Rule&nbsp;31a-1(b)(10)) A record in the form of an appropriate memorandum identifying the person or persons, committees or groups
authorizing the purchase or sale of series securities. Where a committee or group makes an authorization, a record shall be kept of the
names of its members who participate in the authorization. There shall be retained as part of this record: any memorandum, recommendation
or instruction supporting or authorizing the purchase or sale of series securities and such other information as is appropriate to support
the authorization.<SUP>*</SUP></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">4.</TD><TD>(Rule&nbsp;31a-1(f)) Such accounts, books and other documents as are required to be maintained by registered investment advisers by
rule&nbsp;adopted under Section&nbsp;204 of the Advisers Act, to the extent such records are necessary or appropriate to record the Subadviser&rsquo;s
transactions for the Fund.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">5.</TD><TD>Records as necessary under Board approved policies and procedures of the Fund, including without limitation those related to valuation
determinations.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<!-- Field: Rule-Page --><DIV STYLE="margin-top: 0pt; margin-bottom: 0pt; width: 25%"><DIV STYLE="font-size: 1pt; border-top: Black 1pt solid">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">* Such information might include: current financial information, annual
and quarterly reports, press releases, reports by analysts and from brokerage firms (including their recommendations, i.e., buy, sell,
hold) or any internal reports or subadviser review.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><U>SCHEDULE C</U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>SUBADVISORY FEE</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">For services provided to the
Fund, the Adviser will pay to the Subadviser a fee, payable monthly in arrears, calculated on the average daily Managed Assets of the
Allocated Portion at the annual rate of 50% of the net advisory fee. For this purpose, &ldquo;Managed Assets&rdquo; means the total assets
of the Allocated Portion, including any assets attributable to borrowings, minus the Allocated Portion&rsquo;s accrued liabilities other
than such borrowings. The fee shall be prorated for any month during which this Agreement is in effect for only a portion of the month.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><U>SCHEDULE D</U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>SUBADVISER FUNCTIONS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">With respect to managing the investment and reinvestment
of the assets of the Allocated Portion, the Subadviser shall provide, at its own expense:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(a)</TD><TD>An investment program for the Allocated Portion consistent with its investment objectives based upon the development, review and adjustment
of buy/sell strategies approved from time to time by the Board of Directors and the Adviser in paragraph 3 of this Subadvisory Agreement
and implementation of that program;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(b)</TD><TD>Periodic reports, on at least a quarterly basis, in form and substance acceptable to the Adviser, with respect to: i) compliance with
the Code of Ethics and the Fund&rsquo;s code of ethics; ii) compliance with procedures adopted from time to time by the Board relative
to securities eligible for resale under Rule&nbsp;144A under the Securities Act of 1933, as amended; iii) diversification of assets of
the Allocated Portion in accordance with the then prevailing Registration Statement or other applicable Fund disclosure or policies pertaining
to the Fund and governing laws, regulations, rules&nbsp;and orders; iv) compliance with governing restrictions relating to the fair valuation
of securities for which market quotations are not readily available or considered &quot;illiquid&quot; for the purposes of complying with
the Fund&rsquo;s limitation on acquisition of illiquid securities, if any; v) any and all other reports reasonably requested in accordance
with or described in this Agreement; and vi) the implementation of the Allocated Portion&rsquo;s investment program, including, without
limitation, analysis of performance of the Allocated Portion;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(c)</TD><TD>Promptly after filing with the SEC an amendment to its Form&nbsp;ADV, a copy of such amendment to the Adviser and the Board;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(d)</TD><TD>Attendance by appropriate representatives of the Subadviser at meetings requested by the Adviser or the Board at such time(s)&nbsp;and
location(s)&nbsp;as reasonably requested by the Adviser or the Board; and</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(e)</TD><TD>Notice to the Board and the Adviser of the occurrence of any event which would disqualify the Subadviser from serving as an investment
adviser of an investment company pursuant to Section&nbsp;9(a)&nbsp;of the Act or otherwise.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(f)</TD><TD>Reasonable assistance in the valuation of securities including the participation of appropriate representatives at fair valuation
committee meetings.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><U>SCHEDULE E</U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>FORM&nbsp;OF SUB-CERTIFICATION</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="text-align: left; width: 0.5in">To:</TD><TD STYLE="text-align: justify"></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">Re:</TD><TD STYLE="text-align: justify">Subadviser&rsquo;s Form&nbsp;N-CSR and Form&nbsp;N-Q Certification for Virtus Total Return Fund Inc.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">From:</TD><TD STYLE="text-align: justify">Duff&nbsp;&amp; Phelps Investment Management Co.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify">Representations in support of Investment
Company Act Rule&nbsp;30a-2 certifications of Form&nbsp;N-CSR and Form&nbsp;N-Q.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify">In connection with your certification
responsibility under Rule&nbsp;30a-2 and Sections 302 and 906 of the Sarbanes-Oxley Act of 2002,&nbsp;I have reviewed the following information
presented in the schedule of investments for the period ended <B>[</B>Date of Reporting Period<B>]</B> (the &ldquo;Report&rdquo;) which
forms part of the N-CSR or N-Q, as applicable, for the Fund.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Schedule of Investments</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Our organization has designed, implemented and
maintained internal controls and procedures, designed for the purpose of ensuring the accuracy and completeness of relevant portfolio
trade data transmitted to those responsible for the preparation of the Schedule of Investments. As of the date of this certification there
have been no material modifications to these internal controls and procedures.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">In addition, our organization has:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">a.</TD><TD STYLE="text-align: justify">Designed such internal controls and procedures to ensure that material information is made known to the
appropriate groups responsible for servicing the above-mentioned mutual fund.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">b.</TD><TD STYLE="text-align: justify">Evaluated the effectiveness of our internal controls and procedures, as of a date within 90 days prior
to the date of this certification and we have concluded that such controls and procedures are effective.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">c.</TD><TD STYLE="text-align: justify">In addition, to the best of my knowledge there has been no fraud, whether or not material, that involves
our organization&rsquo;s management or other employees who have a significant role in our organization&rsquo;s control and procedures
as they relate to our duties as subadviser to the Fund.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">I have read the draft of the Report which I understand
to be current as of <B>[</B>Date of Reporting Period<B>]</B> and based on my knowledge, such draft of the Report does not, with respect
to that portion of the Fund allocated to the Subadviser (the &ldquo;Allocated Portion&rdquo;), contain any untrue statement of a material
fact or omit to state a material fact necessary to make the information contained therein, in light of the circumstances under which such
information is presented, not misleading with respect to the period covered by such draft Report.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">I have disclosed, based on my most recent evaluation,
to the Fund&rsquo;s Chief Accounting Officer:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">a.</TD><TD STYLE="text-align: justify">All significant changes, deficiencies and material weakness, if any, in the design or operation of the
Subadviser&rsquo;s internal controls and procedures which could adversely affect the Fund&rsquo;s ability to record, process, summarize
and report financial data with respect to the Allocated Portion in a timely fashion;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">b.</TD><TD STYLE="text-align: justify">Any fraud, whether or not material, that involves the Subadviser&rsquo;s management or other employees
who have a significant role in the Subadviser&rsquo;s internal controls and procedures for financial reporting.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">I certify that to the best of my knowledge:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">a.</TD><TD STYLE="text-align: justify">The Subadviser&rsquo;s Portfolio Manager(s)&nbsp;has/have complied with the restrictions and reporting
requirements of the Code of Ethics (the &ldquo;Code&rdquo;). The term Portfolio Manager is as defined in the Code.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">b.</TD><TD STYLE="text-align: justify">The Subadviser has complied with the Prospectus and Statement of Additional Information of the Fund, any
updates to such documents, and the Policies and Procedures of the Fund as adopted by the Fund&rsquo;s Board of Directors.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">c.</TD><TD STYLE="text-align: justify">I have no knowledge of any compliance violations except as disclosed in writing to the Virtus Compliance
Department by me or by the Subadviser&rsquo;s compliance administrator.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">d.</TD><TD STYLE="text-align: justify">The Subadviser has complied with the rules&nbsp;and regulations of the 33 Act and 40 Act, and such other
regulations as may apply to the extent those rules&nbsp;and regulations pertain to the responsibilities of the Subadviser with respect
to the Allocated Portion as outlined above.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">e.</TD><TD STYLE="text-align: justify">Since the submission of our most recent certification there have not been any divestments of securities
of issuers that conduct or have direct investments in business operations in Sudan.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">This certification relates solely to the Allocated
Portion and may not be relied upon by any other fund or entity.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The Subadviser does not maintain the official
books and records of the Fund. The Subadviser&rsquo;s records are based on its own portfolio management system, a record-keeping system
that is not intended to serve as the Fund&rsquo;s official accounting system. The Subadviser is not responsible for the preparation of
the Report.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>[</B>signature page&nbsp;follows<B>]</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-top: Black 1pt solid; width: 40%; font: 10pt Times New Roman, Times, Serif; text-align: left">Duff&nbsp;&amp; Phelps Investment Management Co.</TD><TD STYLE="width: 10%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="border-top: Black 1pt solid; width: 40%; font: 10pt Times New Roman, Times, Serif">Date</TD></TR>
  </TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><U>SCHEDULE F</U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 100%; border: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; text-align: center"><B>ALLOCATED PORTION OF FUND TO THE SUBADVISER</B></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; text-align: center"><B>To be determined by Virtus Investment Advisers,&nbsp;Inc. on an on-going basis.</B></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.(R)(1)
<SEQUENCE>7
<FILENAME>tm228106d1_ex99r1.htm
<DESCRIPTION>CODE OF ETHICS OF THE REGISTRANT
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
</HEAD>
<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="text-align: right; margin: 0"><B>Exhibit (r)(1)</B></P>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>CODE OF ETHICS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Each Fund<SUP>1</SUP> has adopted this Code of Ethics pursuant to Rule&nbsp;17j-1
of the Investment Company Act of 1940 (the &ldquo;1940 Act&rdquo;) and it applies to a Fund&rsquo;s Access Persons. Individuals that may
meet the definition of Access Person below may not be required to comply with this particular Code of Ethics if such individuals are subject
to another code of ethics that satisfies Rule&nbsp;17j-1 of the 1940 Act. For example, the Fund&rsquo;s investment advisers and service
providers that are subsidiaries of Virtus Investment Partners,&nbsp;Inc. (&ldquo;Virtus&rdquo;) and affiliates of one another have adopted
separate codes of ethics (the &ldquo;Affiliate Codes&rdquo;) that are substantially similar to this Code of Ethics, satisfy Rule&nbsp;17j-1
and apply to individuals who would otherwise be covered by this Code of Ethics. In addition, the Funds&rsquo; subadvisers, if any, that
are not Virtus affiliates have adopted their own codes of ethics.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">This Code of Ethics is administered by the Virtus Compliance Department
on behalf of the Funds together with the Affiliate Codes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><U>Standard of Business Conduct</U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Each Fund acknowledges the integrity and good faith of all of the employees,
officers, trustees or directors of the Fund and of those entities providing services on behalf of the Fund. Each Fund recognizes, however,
that the knowledge of present or future portfolio transactions or the power to influence portfolio transactions, if held by such individuals,
could place them in a position where their personal interests might conflict with the interests of the Fund if they were to trade in securities
eligible for investment by the Fund.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">In view of the foregoing and of the provisions of Rule&nbsp;17j-1 under
the 1940 Act, each Fund has adopted this Code of Ethics to specify and prohibit certain types of transactions deemed to create conflicts
of interest (or at least the potential for or the appearance of such conflicts) and to establish related reporting requirements and enforcement
procedures.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">When persons covered by the terms of this Code of Ethics engage in
personal securities transactions, they must adhere to the following general principles as well as to the Code&rsquo;s specific provisions:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in; text-align: left"><FONT STYLE="font-size: 10pt">(a)</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt">At all times, the interests of
Fund shareholders must be paramount;</FONT></TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><SUP>1</SUP> Registered Investment Companies (&ldquo;Funds&rdquo;)
include ETFis Series&nbsp;Trust I, Virtus ETF Trust II, The Merger Fund, The Merger Fund VL, Virtus Alternative Solutions Trust, Virtus
Asset Trust, Virtus Equity Trust, Virtus Event Opportunities Trust, Virtus Investment Trust, Virtus Opportunities Trust, Virtus Strategy
Trust, Virtus Variable Insurance Trust, Virtus Global Multi-Sector Income Fund, Virtus Total Return Fund Inc., Virtus AllianzGI Artificial
Intelligence&nbsp;&amp; Technology Opportunities Fund, Virtus AllianzGI Convertible&nbsp;&amp; Income 2024 Target Term Fund, Virtus AllianzGI
Convertible&nbsp;&amp; Income Fund, Virtus AllianzGI Convertible&nbsp;&amp; Income Fund II, Virtus AllianzGI Diversified Income&nbsp;&amp;
Convertible, Virtus AllianzGI Equity&nbsp;&amp; Convertible Income Fund, and Virtus Dividend,&nbsp;Interest&nbsp;&amp; Premium Strategy
Fund. (2021.10)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">
<TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(b)</TD><TD>Personal transactions must be conducted consistent with this Code of Ethics in a manner that avoids or mitigates any actual or potential
conflict of interest;</TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(c)</TD><TD>No inappropriate advantage should be taken of any position of trust or responsibility;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(d)</TD><TD>Non-public information regarding security holdings in any Fund must remain confidential;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(e)</TD><TD>Compliance with all applicable federal securities laws must be maintained; and</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(f)</TD><TD>Access Persons are required to adhere to the standards of business conduct in the Virtus Code of Conduct.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><U>Definitions of Terms Used in this Code</U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>&ldquo;Access Person&rdquo; </B>of a Fund means any Advisory Person
of a Fund. In addition, all of the Fund&rsquo;s directors, officers, and general partners are presumed to be Access Persons of the Fund.
Access Persons also includes any director, officer or general partner of ETF Distributors LLC, VP Distributors, LLC and Virtus Fund Services,
LLC who, in the ordinary course of business, makes, participates in or obtains information regarding the purchase or sale of Covered Securities
by the Fund for which ETF Distributors, VP Distributors or Virtus Fund Services acts as service provider, distributor or principal underwriter,
or whose functions or duties in the ordinary course of business relate to the making of any recommendation to the Fund regarding the purchase
or sale of Covered Securities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>&ldquo;Advisory Person&rdquo;</B> of a Fund means:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.25in">(a)</TD><TD>Any director, officer, general partner or employee of the Fund or its investment adviser (or of any company in a control relationship
to the Fund or its investment adviser) who, in connection with his or her regular functions or duties, makes, participates in, or obtains
information regarding, the purchase or sale of Covered Securities by a Fund, or whose functions relate to the making of any recommendations
with respect to such purchases or sales;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.25in">(b)</TD><TD>Any natural person in a control relationship to the Fund or its investment adviser who obtains information concerning recommendations
made to the Fund with regard to the purchase or sale of Covered Securities by the Fund; and</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.25in">(c)</TD><TD>Any Investment Personnel.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>&ldquo;Affiliated Open-End Mutual Fund&rdquo;</B> means any open-end
mutual fund as to which a Virtus affiliate serves as the investment adviser or principal underwriter.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>&ldquo;Affiliated person&rdquo;</B> of another person means (A)&nbsp;any
person directly or indirectly owning, controlling, or holding with power to vote, 5 per centum or more of the outstanding voting securities
of such other person; (B)&nbsp;any person 5 per centum or more of whose outstanding voting securities are directly or indirectly owned,
controlled, or held with power to vote, by such other person; (C)&nbsp;any person directly or indirectly controlling, controlled by, or
under common control with, such other person; (D)&nbsp;any officer, director, partner, copartner, or employee of such other person; (E)&nbsp;if
such other person is an investment company, any investment adviser thereof or any member of an advisory board thereof; and (F)&nbsp;if
such other person is an unincorporated investment company not having a board of directors, the depositor thereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>&ldquo;Being considered for Purchase or Sale&rdquo;</B> means a
security for which a recommendation to purchase or sell has been made and communicated; and with respect to the Advisory Person making
the recommendation, when such person seriously considers making such a recommendation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>&ldquo;Beneficial Ownership&rdquo;</B> shall be interpreted in the
same manner as it would be under Rule&nbsp;16a-1(a)(2)&nbsp;in determining whether a person is the beneficial owner of a security for
purposes of Section&nbsp;16 of the Securities Exchange Act of 1934 (the &ldquo;Exchange Act&rdquo;) and the rules&nbsp;and regulations
there under. Generally, Beneficial Ownership means having or sharing, directly or indirectly through any contract, arrangement, understanding,
relationship, or otherwise, a direct or indirect &ldquo;pecuniary interest&rdquo; in the security. For the purposes hereof,</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in">(a)</TD><TD>&ldquo;Pecuniary interest&rdquo; means the opportunity, directly or indirectly, to profit or share in any profit derived from a transaction
in the security.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in">(b)</TD><TD>&ldquo;Indirect pecuniary interest&rdquo; includes, but is not limited to:</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.75in">(i)&nbsp;securities held by members of the person&rsquo;s
 &ldquo;immediate family&rdquo; (this means any child, child-in-law, stepchild, grandchild, parent, parent-in-law, stepparent, grandparent,
spouse, partner, sibling, or sibling-in-law and includes adoptive relationships) sharing the same household (which ownership interest
may be rebutted);</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.75in">(ii)&nbsp;a general partner&rsquo;s proportionate interest
in portfolio securities held by a general or limited partnership;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.75in">(iii)&nbsp;a person&rsquo;s right to dividends that is separated
or separable from the underlying securities (otherwise, a right to dividends alone will not constitute a pecuniary interest in securities);</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.75in">(iv)&nbsp;a person&rsquo;s interest in securities held by
a trust;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.75in">(v)&nbsp;a person&rsquo;s right to acquire securities through
the exercise or conversion of any derivative security, whether or not presently exercisable; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.75in">(vi)&nbsp;a performance-related fee, other than an asset
based fee, received by any broker, dealer, bank, insurance company, investment company, investment manager, trustee, or person or entity
performing a similar function, with certain exceptions (see Rule&nbsp;16a-1(a)(2)&nbsp;of the Exchange Act).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>&ldquo;Crowdfunding Offering&rdquo;</B> means an offering that is
exempt from registration under the Securities Act of 1933 pursuant to Section&nbsp;4(a)(6).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>&ldquo;Chief Compliance Officer&rdquo; </B>or <B>&ldquo;CCO&rdquo;</B>
refers to the person appointed by the Boards of the Funds pursuant to the provisions of Rule&nbsp;38a-1.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>&ldquo;Control&rdquo;</B> shall have the same meaning as that set
forth in Section&nbsp;2(a)(9)&nbsp;of the 1940 Act.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>&ldquo;Covered Security&rdquo;</B> means a security as defined in
Section&nbsp;2(a)(36) of the 1940 Act, except securities that are direct obligations of the Government of the United States, bankers&rsquo;
acceptances, bank certificates of deposit, commercial paper, high quality short-term debt instruments, including repurchase agreements
and shares of traditional, unaffiliated registered open-end investment companies.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>&ldquo;Disinterested Trustee or Director&rdquo;</B> means a Member
of the Board of Trustees or Board of Directors of a Fund who is not an &ldquo;interested person&rdquo; of the Fund within the meaning
of Section&nbsp;2(a)(19) of the 1940 Act.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>&ldquo;Immediate Family Member&rdquo; means </B>any Access Person&rsquo;s
spouse or domestic partner who shares the same household and any relative by blood, adoption or marriage living in the Access Person&rsquo;s
household. This definition includes children (including financially dependent children away at school), stepchildren, grandchildren, parents,
stepparents, grandparents, siblings and parents, children, or siblings-in-law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>&ldquo;Initial Public Offering&rdquo;</B> or <B>&ldquo;IPO&rdquo;</B>
means an offering of securities registered under the Securities Act of 1933, as amended, the issuer of which, immediately before the registration,
was not subject to the reporting requirements of Section&nbsp;13 or 15(d)&nbsp;of the Exchange Act.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>&ldquo;Investment
Personnel&rdquo;</B> shall mean:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in">(a)</TD><TD>any employee of the Fund or its adviser (or of any company in a control relationship to the Fund or its adviser) who, in connection
with his or her regular functions or duties, makes or participates in making recommendations regarding the purchase or sale of securities
by the Fund; and</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in">(b)</TD><TD>any natural person who controls the Fund or its adviser and who obtains information concerning recommendations made to the Fund regarding
the purchase or sale of securities by the Fund. Investment Personnel includes any Portfolio Manager or other investment person, such as
an analyst or trader, who provides information and advice to a Portfolio Manager or assists in the execution of the investment decisions.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>&ldquo;Limited Offering&rdquo; or &ldquo;Private Placement&rdquo;</B>
means an offering that is exempt from registration under the Securities Act of 1933 pursuant to Section&nbsp;4(a)(2)&nbsp;or Section&nbsp;4(a)(5),
or pursuant to Rule&nbsp;504, Rule&nbsp;505, or Rule&nbsp;506 thereunder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>&ldquo;Managed Portfolio&rdquo;</B> shall mean those Funds, individually
and collectively, for which the Portfolio Manager makes buy and sell decisions. For those Funds operating as series companies, Managed
Portfolio shall include only the series for which the Portfolio Manager serves as the Portfolio Manager.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>&ldquo;Personal Brokerage Account&rdquo;</B> refers to any account
(including, without limitation, a custody account, safekeeping account, and an account maintained by an entity that may act in a brokerage
or a principal capacity) in which securities may be traded or custodied, and in which an Access Person has any Beneficial Ownership, and
any such account of an Immediate Family member, through which an Access Person <I>may</I> hold or acquire Reportable Securities, even
though the account <I>currently</I> holds only non-Reportable Securities (such as Unaffiliated Open-end Mutual Funds). To the extent that
the Virtus 401(k)&nbsp;plan and potentially 401(k)&nbsp;plans of an Access Person&rsquo;s prior employer(s)&nbsp;or 401(k)&nbsp;plans
of Immediate Family Members have the capacity to invest in Affiliated Open-end Mutual Funds and/or other Reportable Securities, such accounts
are considered &ldquo;Personal Brokerage Accounts.&rdquo; Furthermore,&nbsp;Individual Retirement Accounts (&ldquo;IRA&rsquo;s&rdquo;)
that are constructed within a brokerage account capable of transacting in Reportable Securities are also considered &ldquo;Personal Brokerage
Accounts.&rdquo;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The meaning of &ldquo;Personal Brokerage Account&rdquo; does <I>not</I>
include the following: Open-end mutual funds held directly with the sponsor in an account that is not capable of transacting in Reportable
Securities; 401(k)&nbsp;accounts that may only hold Unaffiliated Open-end Mutual Funds; other accounts that cannot transact in Reportable
Securities as determined by the Virtus Compliance Department; direct purchase accounts such as &ldquo;DRIP&rdquo; plans and Section&nbsp;529
Plans that are not managed, distributed marketed or underwritten by a Virtus affiliate; or managed accounts over which an individual has
given investment discretion to an unrelated third party.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>&ldquo;Portfolio Manager&rdquo;</B> means the person or portfolio
management team entrusted to make or participate in the making of the buy and sell decisions for a Fund, or series thereof, as disclosed
in the Fund(s)&nbsp;prospectus.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>&ldquo;Purchase or sale of a Reportable Security&rdquo;</B> includes,
among other things, the writing of an option to purchase or sell a security or the purchase or sale of a security that is exchangeable
for or convertible into a security.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>&ldquo;Reportable Security&rdquo;</B> means a security as defined
in Section&nbsp;2(a)(36) of the 1940 Act and includes: common stocks, preferred stocks, stock options (put, call and straddles,&nbsp;etc.),
debt securities, privileges on any security or on any group or index of securities (including any interest therein or based on the value
thereof) and derivative instruments; ETFs, UIT ETFs, closed end funds, stock indices vehicles (such as the Standard&nbsp;&amp; Poor&rsquo;s
Composite Stock Indices, SPDR S&amp;P 500, SPDR S&amp;P MidCap 400, &ldquo;iShares&rdquo;,&nbsp;etc.); Affiliated Open-end Mutual Funds
and municipal securities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&ldquo;Reportable Security&rdquo; does <I>not</I> include direct obligations
of the Government of the United States; money market instruments; bankers&rsquo; acceptances; bank certificates of deposit, commercial
paper, repurchase agreements and other high quality short-term debt instruments; shares of money market funds; shares of Unaffiliated
Open-end Mutual Funds; and units of a unit investment trust if the unit investment trust is invested exclusively in Unaffiliated Open-end
Mutual Funds. Note: This exception extends only to open-end funds registered in the U.S.; therefore, transactions and holdings in offshore
funds are reportable.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>&ldquo;Security Held or to be Acquired&rdquo;</B> by a Fund means:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in">(i)</TD><TD>any Covered Security which, within the most recent 15 days:</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.25in">(A)</TD><TD>is or has been held by the Fund; or</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.25in">(B)</TD><TD>is being or has been considered by the Fund or any of its investment advisers for purchase by the Fund; and</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in">(ii)</TD><TD>any option to purchase or sell, and any security convertible into or exchangeable for, a Covered Security.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>&ldquo;Unaffiliated Open-End Mutual Fund&rdquo;</B> means any open-end
mutual fund as to which a Virtus affiliate does <I>not</I> serve as the investment adviser or principal underwriter for the fund.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><U>Unlawful Actions</U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">It is unlawful for any Affiliated person of any Fund or any of its
advisers, in connection with the purchase or sale, directly or indirectly, by the person of a Security Held or to be Acquired by any Fund:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in">(a)</TD><TD>to employ any device, scheme or artifice to defraud any Fund;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in">(b)</TD><TD>to make any untrue statement of a material fact to any Fund or omit to state a material fact necessary in order to make the statements
made to any Fund, in light of the circumstances under which they are made, not misleading;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in">(c)</TD><TD>to engage in any act, practice or course of business that operates or would operate as a fraud or deceit on any Fund;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in">(d)</TD><TD>to engage in any manipulative practice with respect to any Fund; or</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in">(e)</TD><TD>to divulge or act upon any material, non-public information, as such term is defined under relevant securities laws.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><U>Disclosure of Personal Brokerage Accounts</U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">All Access Persons must disclose their Personal Brokerage Accounts
to their respective Compliance Department. It is each Access Person&rsquo;s responsibility to notify their respective Compliance Department
of all Personal Brokerage Accounts and to direct the broker to provide their Compliance Department with brokerage transaction confirmations
and account statements (and verify that it has been done). Access Persons do not need to disclose the existence of their Virtus-Fidelity
401(k)&nbsp;account, however, any other Virtus Fidelity account holding securities, options or restricted stock of Virtus must be disclosed.
401(k)&nbsp;plans of an Access Person&rsquo;s prior employer(s)&nbsp;or 401(k)&nbsp;plans of Immediate Family Members must be disclosed
if such accounts have the capacity to invest in Affiliated Open-End Mutual Funds and/or other Reportable Securities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><U>Prohibited Activities and Restrictions</U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Initial Public Offering (&ldquo;IPO&rdquo;) Rule</B>: No Access
Person may directly or indirectly acquire beneficial ownership in any securities in an Initial Public Offering (including IPOs offered
through the Internet), except with the prior written approval of the Virtus Compliance Department. No FINRA registered person may participate
in an IPO pursuant to FINRA Rule&nbsp;5130.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Crowdfunding Offering/Limited Offering/Private Placement Rule</B>:
No Access Person may directly or indirectly acquire beneficial ownership in any securities in a Crowdfunding Offering, Limited Offering
or Private Placement except with the prior written approval of the Virtus Compliance Department.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Preclearance Rule</B>: No Advisory Person may directly or indirectly
acquire or dispose of beneficial ownership in a Reportable Security unless such transaction has been precleared by the Virtus Compliance
Department. Preclearance is valid through the next business day to the close of the U.S. Market following the approval. An order not executed
within that time must be resubmitted for pre-clearance approval. Advisory Persons must wait for approval before placing the order with
their broker.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in"><B>Exceptions</B>: The following transactions do not require
preclearance:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.25in">(a)</TD><TD>Purchases or sales of up to 1000 shares per month of: (i)&nbsp;Reportable Securities of an issuer ranked in the Standard&nbsp;&amp;
Poor&rsquo;s 500 Composite Stock Index (S&amp;P 500) at the time of the transaction; (ii)&nbsp;exchange traded funds (&ldquo;ETFs&rdquo;)
not managed by a Virtus affiliate; and (iii)&nbsp;closed-end funds not managed by a Virtus affiliate.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.25in">(b)</TD><TD>Open-end Mutual Funds. (However such funds are subject to Quarterly Transaction and Annual Holdings reporting requirements.)</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.25in">(c)</TD><TD>Purchases of shares of Reportable Securities necessary to establish an automatic investment or dividend reinvestment plan, as well
as any subsequent purchases and sales pursuant to any such plan.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.25in">(d)</TD><TD>Purchases or sales effected in any managed account over which the Advisory Person has no direct or indirect influence or control in
the reasonable estimation of the Virtus Compliance Department. This exemption will also apply to Personal Brokerage Accounts for which
a third party (e.g. broker or financial adviser) makes all investment decisions on behalf of the Advisory Person. The discretionary arrangement
must be documented to the Virtus Compliance Department.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.25in">(e)</TD><TD>Purchases or sales of Reportable Securities not eligible for purchase or sale by the Fund(s).</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.25in">(f)</TD><TD>Purchases effected upon the exercise of rights issued by an issuer pro rata to all holders of a class of its securities, to the extent
such rights were acquired from such issuer, and sales of such rights so acquired.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.25in">(g)</TD><TD>Purchase or sale of securities issued under an employee stock purchase or incentive program unless otherwise restricted.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Open Order Rule</B>: No Advisory Person may directly or indirectly
transact in any Reportable Security which requires preclearance on a day during which a Fund has a pending order for that security of
the same type (i.e.. buy or sell) as the proposed personal trade, until the Fund&rsquo;s order is executed or withdrawn.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Black-Out Rule</B>: Investment Personnel may not directly or indirectly
acquire or dispose of Beneficial Ownership in a Reportable Security within seven calendar days before and after the portfolio(s)&nbsp;associated
with the Investment Personnel&rsquo;s assigned duties trades in that security. The seven day period is exclusive of the execution date.
The Black-Out Rule&nbsp;applies to transactions in securities that are required to be precleared.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Holding Period Rule</B>: Except as provided herein, Advisory Persons
must hold all Reportable Securities, including options, for no less than thirty (30) days, regardless of whether or not the purchase was
exempt from preclearance under this Code. Generally, a last in, first out (&ldquo;LIFO&rdquo;) accounting methodology will be applied
for determining compliance with this holding rule.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">This Holding Period Rule&nbsp;does not apply to the following Reportable
Securities and transactions:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-size: 14pt">&bull;</FONT></TD><TD>Affiliated Open-End Mutual Funds;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-size: 14pt">&bull;</FONT></TD><TD>Sales of Virtus shares after restricted stock units vest;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-size: 14pt">&bull;</FONT></TD><TD>Sales of Virtus shares after exercising employee stock options; or</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-size: 14pt">&bull;</FONT></TD><TD>Sales effected in any account over which the Advisory Person has no direct or indirect influence or control.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Gifts and Entertainment</B>: Access Persons may not give or receive
gifts or entertainment that may be construed to have an influence on business transactions conducted by the Fund(s)&nbsp;or its investment
adviser. Moreover, pursuant to Section&nbsp;17(e)&nbsp;of the 1940 Act, gifts and entertainment may not be received by fund advisory personnel
as compensation for the purchase or sale of any Fund property.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Gifts include any items of value, including sports paraphernalia or
equipment, wine or food baskets, and gift certificates for goods or services. Tickets to events are also considered gifts if the provider
of such tickets does not attend the event. Gifts to or from any person or entity doing business with or seeking to do business with the
Fund(s)&nbsp;or its investment adviser must not exceed $100 per person per year.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Entertainment includes events that are attended by the provider and
recipient, and the $100 limit that applies to gifts does not apply to entertainment. Nonetheless, entertainment must be neither so frequent
nor so extensive as to raise any question of impropriety.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">All gifts and entertainment received or given must be reported to the
Virtus Compliance Department.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Service as Director</B>: No Advisory Person shall serve on the board
of directors of a publicly traded company without prior authorization by the President or the Chief Compliance Officer of the Fund. If
board service is authorized, such Advisory Person shall have no role in making investment decisions with respect to the publicly traded
company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Excessive Trading Rule:</B> Access Persons shall comply with any
mutual funds disruptive trading or market timing policies.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><U>Reporting Requirements</U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Code of Ethics, and any amendments thereto, shall be provided to
every Access Person. Access Persons will provide written acknowledgement of receipt.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Duplicate Trade Confirmations and Personal Brokerage Account Statements</B>:
All Access Persons (other than Disinterested Trustees or Directors) shall direct their brokers to supply, at the same time that they are
sent to the Access Person, a copy of the confirmation for each Reportable Securities trade in a Personal Brokerage Account, and a copy,
at least quarterly, of an account statement for each Personal Brokerage Account to the Virtus Compliance Department (an electronic feed
from the broker will satisfy these requirements). Access to duplicate confirmations and account statements will be restricted to those
persons assigned to perform review functions, and all materials will be kept confidential except as required by law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Quarterly Transaction Reports</B>: Access Persons shall report to
the Fund the information (specified further below) with respect to transactions in any Reportable Security in which such Access Person
has, or by reason of such transaction acquires, any direct or indirect Beneficial Ownership in the Reportable Security.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="background-color: lightgrey"></FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="background-color: lightgrey"></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="background-color: lightgrey"></FONT>&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Access Persons shall <I>not</I> be required to make a report with respect
to transactions effected for any account over which that person lacks any direct or indirect influence or control in the reasonable estimation
of the Virtus Compliance Department which may make reasonable periodic inquiries and request reasonable assurances in making such determination.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Every Quarterly Transaction Report shall be made not later than 15
days after the end of the calendar quarter, and shall include all transactions in Reportable Securities effected during the calendar quarter
being reported on. Quarterly Transaction Reports shall contain such information as the Virtus Compliance Department may request and shall
be reported in such manner (e.g., utilizing an on-line service) as the Virtus Compliance Department directs.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Initial and Annual Holdings Reports</B>: Each Access Person shall
submit an Initial Holdings and Annual Holdings Report listing all personal Reportable Securities holdings to the Virtus Compliance Department,
upon commencement of service and annually thereafter (the <I>Initial Holdings Report</I> and the <I>Annual Holdings Report</I>, respectively)
in the form and content requested by the Virtus Compliance Department. The information on the Initial Holdings Report must be current
as of a date not more than 45 days prior to the date the individual becomes an Access Person. An Initial Holdings Report and certification
must be submitted to the designated Compliance Officer no later than 10 days after becoming an Access Person. The Annual Holdings Report
information shall be as of December&nbsp;31 of the prior year. Access Persons shall submit the Annual Holdings Report and Certification
to the designated Compliance Officer by January&nbsp;31 of each year. Access Persons shall include on their Annual Holdings Report any
holdings in Affiliated Open-end Mutual Funds, including those held in the Access Person&rsquo;s Virtus-Fidelity 401(k)&nbsp;plan.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><U>Disinterested Trustees and Directors</U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">A Disinterested Trustee or Director of the Fund who would be considered
an Access Person solely by reason of being a trustee or director of the Fund shall not be subject to the pre-clearance or reporting requirements
applicable to Access Persons or the IPO Rule&nbsp;or Limited Offering/Private Placement Rule&nbsp;set forth in this Code of Ethics, except
that such Trustee or Director shall report any transaction where the Trustee or Director knew, or, in the ordinary course of fulfilling
his or her official duties as a Fund Trustee or Director, should have known, that during the 15-day period immediately before or after
the Trustee&rsquo;s/Director&rsquo;s transaction in a Covered Security, the Fund purchased or sold the Covered Security or the Fund or
any of its investment advisers or subadvisers considered purchasing or selling the Covered Security. Any report made pursuant to the Reporting
Requirements of this Code of Ethics may contain a statement that the report shall not be construed as an admission by the person making
such report that he or she has any direct or indirect Beneficial Ownership in the security to which the report relates.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B><U>401(k)&nbsp;Plans</U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><B>Disclosure of Personal Brokerage Accounts:</B>
Access Persons are not required to disclose the existence of their Virtus-Fidelity 401(k)&nbsp;plan, but Access Persons must disclose
any other 401(k)&nbsp;account if the account can transact in Affiliated Open-end Mutual Funds and/or other Reportable Securities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><B>Preclearance Rule:</B> Advisory Persons are
not required to preclear transactions in Affiliated Open-end Mutual Funds (e.g., transferring amounts from one fund to another) or contributions
in the form of payroll deductions. Advisory Persons are required to preclear transactions in Reportable Securities that are not exceptions
to the Preclearance Rule&nbsp;(e.g., the sale of previous employer&rsquo;s stock).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><B>Duplicate Trade Confirmations and Personal
Brokerage Account Statements:</B> If an Access Person has a 401(k)&nbsp;account from a previous employer that can transact in Affiliated
Open-end Mutual Funds and/or other Reportable Securities, the Access Person shall direct his or her broker to supply, at the same time
that they are sent to the Access Person, a copy of the confirmation for each personal Reportable Securities trade and a copy, at least
quarterly, of an account statement to the Virtus Compliance Department for each 401(k)&nbsp;account other than the Virtus-Fidelity 401(k)&nbsp;plan.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><B>Quarterly Transactions Reports:</B> For 401(k)&nbsp;accounts
other than the Virtus-Fidelity 401(k)&nbsp;plan, Access Persons are required to submit a Quarterly Transaction Report for transactions
in Reportable Securities (e.g., Affiliated Open-end Mutual Funds or a previous employer&rsquo;s stock).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><B>Initial and Annual Holdings Reports:</B> Access
Persons are required to report all holdings in Reportable Securities, including holdings in the Virtus-Fidelity 401(k)&nbsp;plan (e.g.,
Affiliated Open-end Mutual Funds).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><U>Administration</U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">A.</TD><TD>At least annually, the Fund&rsquo;s Chief Compliance Officer shall obtain certification that each Fund, each investment adviser and
principal underwriter, as applicable, has adopted procedures reasonably necessary to prevent Access Persons from violating this Code of
Ethics or another code of ethics that satisfies Rule&nbsp;17j-1 of the 1940 Act.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">B.</TD><TD>Any Access Person shall immediately report any potential violation of this Code of which he or she becomes aware to the Fund CCO or
the Virtus Compliance Department</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">C.</TD><TD>The Virtus Compliance Department will maintain a list of all Access Persons who are required to make reports under this Code of Ethics,
and shall inform those Access Persons of their reporting obligations. The Virtus Compliance Department shall promptly notify any Access
Person when any report has not been filed on a timely basis.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><U>Recordkeeping Requirements</U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Documents and records required to be made and maintained in connection
with this Code of Ethics shall be made and maintained in accordance with the Fund&rsquo;s Policy Regarding Books and Records.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><U>Sanctions</U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Upon discovering a violation of this Code, the Virtus Compliance Department
may impose such sanctions as it deems appropriate, including, among other things, a letter of censure, suspension of personal trading
privileges for a period of time, or suspension or termination of employment; and the Virtus Compliance Department shall advise the Fund
CCO accordingly.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><U>Exceptions</U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Virtus Compliance Department may, in consultation with the Fund&rsquo;s
Chief Legal Officer and/or Fund CCO as appropriate, grant written exceptions to provisions of the Code based on equitable considerations.
The exceptions may be granted to individuals or classes of individuals with respect to particular transactions, classes of transactions
or all transactions, and may apply to past as well as future transactions, provided, however, that no exception will be granted where
the exceptions would result in a violation of Rule&nbsp;17j-1. To the extent any such exception relates to an Access Person of a Fund,
the exception will be reported to the Fund CCO for reporting to the Fund&rsquo;s Board at its next regularly scheduled meeting.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">CERTIFICATION:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">By my signature below,&nbsp;I certify that I have received, read, and
understood the foregoing policies of the Virtus Funds Code of Ethics, and will comply in all respects with such policies.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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    <TD STYLE="width: 10%">&nbsp;</TD><TD STYLE="border-top: Black 1pt solid; width: 35%; text-align: left">Date</TD><TD STYLE="text-align: justify; width: 15%">&nbsp;</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Please print or type name: ___________________________________</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.(R)(2)
<SEQUENCE>8
<FILENAME>tm228106d1_ex99r2.htm
<DESCRIPTION>CODE OF ETHICS OF INVESTMENT ADVISERS
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
</HEAD>
<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: right"><B>Exhibit (r)(2)</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><IMG SRC="tm228106d1_ex99r2img001.jpg" ALT=""></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B>VIRTUS CODE OF ETHICS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><B>Amended and Restated October&nbsp;1, 2017</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>A message from George Aylward, President and Chief Executive Officer</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify">At Virtus Investment Partners, our goal
is to be a distinctive and trusted provider of asset management products and services that is profitable, growing and consistently delivers
value for our clients and shareholders. In this highly competitive industry we need to distinguish Virtus through our products, our service
approach, and our values in managing our company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify">Foremost among those values is the expectation
I have that each member of the Virtus team adhere to the highest standards of legal and ethical conduct in all of our business dealings.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify">By demonstrating Virtus is a company
that our clients can trust with their assets, a company that our distribution partners respect, and a company that all of our stakeholders
think of with admiration, we can accomplish our business goals.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><B>George Aylward</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><B>President and Chief Executive Officer</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><B>Virtus Investment Partners,&nbsp;Inc.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Introduction</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Each affiliated registered investment adviser
and broker-dealer of Virtus Investment Partners,&nbsp;Inc. (&ldquo;Virtus&rdquo;) (each referred to herein as a Firm) has adopted this
Code of Ethics (the &ldquo;Code&rdquo;) in accordance with applicable requirements of the Investment Advisers Act of 1940, as amended
(the &ldquo;Advisers Act&ldquo;), and the Investment Company Act of 1940, as amended (the &ldquo;Company Act&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">All employees are required to adhere to the letter
and the spirit of this Code. Failure to adhere to this Code may result in disciplinary actions including fines, disgorgement of profits
(or losses avoided), unwinding of securities transactions, curtailment of personal trading privileges and/or termination of employment.
In addition, certain violations of this Code may be considered to be violations of securities laws and regulations that could result in
civil and/or criminal penalties.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><B>1.</B></TD><TD STYLE="text-align: left"><B>Standards of Conduct</B></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">In providing investment services to registered
investment companies, institutional accounts and other clients, Virtus advisory Firms are governed by legal and fiduciary duties that
mandate adherence to the highest standards of ethical conduct and integrity. Because employees may have knowledge of present or future
portfolio transactions in client accounts and, in some cases, the power to influence those portfolio transactions, it is possible that
an employee&rsquo;s personal interests could &ndash; or could appear to &ndash; conflict with those of the Firms&rsquo; clients if the
employee engages in personal transactions in securities that are eligible for investment by the Firms&rsquo; clients.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The procedures set forth in this Code are designed
to address the potential conflicts of interest with respect to the personal investing activities of a Firms&rsquo; employees. When persons
covered by the terms of this Code engage in personal securities transactions, they must adhere to the following general principles as
well as to the Code&rsquo;s specific provisions:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif">(a)</FONT></TD><TD STYLE="text-align: left">At all times, the interests of the Firms&rsquo; clients must be paramount;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif">(b)</FONT></TD><TD STYLE="text-align: left">Personal transactions must be conducted consistent with this Code in a manner that avoids or mitigates any
actual or potential conflict of interest;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif">(c)</FONT></TD><TD STYLE="text-align: left">No inappropriate advantage should be taken of any position of trust or responsibility;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif">(d)</FONT></TD><TD STYLE="text-align: left">Non-public information regarding security holdings in any client account must remain confidential; and</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif">(e)</FONT></TD><TD STYLE="text-align: left">Compliance with all applicable federal securities laws must be maintained.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">In addition to the provisions of this Code, employees
are responsible for compliance with other Virtus policies and procedures concerning personal conduct and conflicts of interest, including
the Virtus Code of Conduct, Social Media Policy,&nbsp;Inside Information Policies, Pay to Play Policy, and Gifts and Entertainment Policy.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><B>2.</B></TD><TD STYLE="text-align: left"><B>Persons subject to the Code</B></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">All employees are subject to this Code and all
Virtus employees are deemed to be &ldquo;Supervised Persons&rdquo; within the meaning of the Advisers Act and the Company Act. Employees
are further classified as Access Persons and as Advisory Persons, depending upon their access to client portfolio information and their
role in managing client accounts. The reporting requirements of the Code apply to all employees. Most of the trading restrictions apply
to employees who are designated as Access Persons. Certain additional restrictions apply only to those Access Persons who are also classified
as Advisory Persons.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">An employee is an <B>Access Person </B>if:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt">in connection with his or her job functions or duties, the employee has
access to timely, non-public information regarding a Firm&rsquo;s investment management activities, client portfolio holdings and/or client
trading activity;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt">the employee is a director or officer of a Firm; or</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt">the employee is otherwise designated as such by the Compliance Department
for reasons consistent with the purposes of this Code.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">An Access Person is further classified as an <B>Advisory
Person </B>if:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt">in connection with his or her job functions or duties, the employee makes,
recommends or implements investment decisions on behalf of client accounts managed by the Firm. Generally, portfolio managers, investment
research analysts, traders and certain of their support personnel are Advisory Persons; or</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt">the employee is otherwise designated as such by the Compliance Department
for reasons consistent with the purposes of this Code.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The Compliance Department will determine which
employees are classified as Access and Advisory Persons and will notify employees who are so classified. Certain employees who perform
services for multiple Firms (i.e., shared services) or who share office space with another Firm may be designated as Access and/or Advisory
Persons of multiple Firms. In addition, the Compliance Department may determine whether any temporary employees, consultants or interns
should be treated as employees under this Code and, if so, whether they should be classified as Access and/or Advisory Persons.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Employees are subject to requirements under this Code depending upon
their classification:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left; width: 39%; border: black 1pt solid; padding-left: 5.15pt; vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>REQUIREMENT</B></FONT></TD>
    <TD STYLE="width: 21%; border-top: black 1pt solid; border-right: black 1pt solid; border-bottom: black 1pt solid; padding-left: 5.15pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>ALL <BR>
EMPLOYEES</B></FONT></TD>
    <TD STYLE="width: 17%; border-top: black 1pt solid; border-right: black 1pt solid; border-bottom: black 1pt solid; padding-left: 5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>ACCESS <BR>
PERSONS</B></FONT></TD>
    <TD STYLE="width: 23%; border-top: black 1pt solid; border-right: black 1pt solid; border-bottom: black 1pt solid; padding-left: 5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>ADVISORY <BR>
PERSONS</B></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-bottom: 8pt; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 5.15pt">ATTESTATION</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 5.15pt">Section&nbsp;3.1</P></TD>
    <TD STYLE="padding-bottom: 8pt; border-right: black 1pt solid; border-bottom: black 1pt solid; padding-left: 5.15pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">YES</FONT></TD>
    <TD STYLE="padding-bottom: 8pt; border-right: black 1pt solid; border-bottom: black 1pt solid; padding-left: 5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">YES</FONT></TD>
    <TD STYLE="padding-bottom: 8pt; border-right: black 1pt solid; border-bottom: black 1pt solid; padding-left: 5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">YES</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-bottom: 8pt; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 5.15pt">REPORTABLE ACCOUNTS</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 5.15pt">Section&nbsp;3.2</P></TD>
    <TD STYLE="padding-bottom: 8pt; border-right: black 1pt solid; border-bottom: black 1pt solid; padding-left: 5.15pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">YES</FONT></TD>
    <TD STYLE="padding-bottom: 8pt; border-right: black 1pt solid; border-bottom: black 1pt solid; padding-left: 5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">YES</FONT></TD>
    <TD STYLE="padding-bottom: 8pt; border-right: black 1pt solid; border-bottom: black 1pt solid; padding-left: 5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">YES</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-bottom: 8pt; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 5.15pt">INITIAL AND ANNUAL HOLDINGS REPORTS</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 5.15pt">Section&nbsp;3.3</P></TD>
    <TD STYLE="padding-bottom: 8pt; border-right: black 1pt solid; border-bottom: black 1pt solid; padding-left: 5.15pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">YES</FONT></TD>
    <TD STYLE="padding-bottom: 8pt; border-right: black 1pt solid; border-bottom: black 1pt solid; padding-left: 5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">YES</FONT></TD>
    <TD STYLE="padding-bottom: 8pt; border-right: black 1pt solid; border-bottom: black 1pt solid; padding-left: 5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">YES</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-bottom: 8pt; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 5.15pt">DUPLICATE CONFIRMS AND STATEMENTS</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 5.15pt">Section&nbsp;3.4</P></TD>
    <TD STYLE="padding-bottom: 8pt; border-right: black 1pt solid; border-bottom: black 1pt solid; padding-left: 5.15pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">YES</FONT></TD>
    <TD STYLE="padding-bottom: 8pt; border-right: black 1pt solid; border-bottom: black 1pt solid; padding-left: 5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">YES</FONT></TD>
    <TD STYLE="padding-bottom: 8pt; border-right: black 1pt solid; border-bottom: black 1pt solid; padding-left: 5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">YES</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-bottom: 8pt; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 5.15pt">QUARTERLY TRANSACTION REPORTS</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 5.15pt">Section&nbsp;3.5</P></TD>
    <TD STYLE="padding-bottom: 8pt; border-right: black 1pt solid; border-bottom: black 1pt solid; padding-left: 5.15pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">YES</FONT></TD>
    <TD STYLE="padding-bottom: 8pt; border-right: black 1pt solid; border-bottom: black 1pt solid; padding-left: 5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">YES</FONT></TD>
    <TD STYLE="padding-bottom: 8pt; border-right: black 1pt solid; border-bottom: black 1pt solid; padding-left: 5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">YES</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-bottom: 8pt; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 5.15pt">TRADE PRECLEARANCE</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 5.15pt">Section&nbsp;4</P></TD>
    <TD STYLE="padding-bottom: 8pt; border-right: black 1pt solid; border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="padding-bottom: 8pt; border-right: black 1pt solid; border-bottom: black 1pt solid; padding-left: 5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">YES</FONT></TD>
    <TD STYLE="padding-bottom: 8pt; border-right: black 1pt solid; border-bottom: black 1pt solid; padding-left: 5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">YES</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-bottom: 8pt; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 5.15pt">BLACKOUT</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 5.15pt">Section&nbsp;5</P></TD>
    <TD STYLE="padding-bottom: 8pt; border-right: black 1pt solid; border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="padding-bottom: 8pt; border-right: black 1pt solid; border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="padding-bottom: 8pt; border-right: black 1pt solid; border-bottom: black 1pt solid; padding-left: 5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">YES</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-bottom: 8pt; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 5.15pt">OTHER TRADING RESTRICTIONS</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 5.15pt">Section&nbsp;6</P></TD>
    <TD STYLE="padding-bottom: 8pt; border-right: black 1pt solid; border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="padding-bottom: 8pt; border-right: black 1pt solid; border-bottom: black 1pt solid; padding-left: 5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">YES</FONT></TD>
    <TD STYLE="padding-bottom: 8pt; border-right: black 1pt solid; border-bottom: black 1pt solid; padding-left: 5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">YES</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-bottom: 8pt; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 5.15pt">HOLDING PERIOD RULE</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 5.15pt">Section&nbsp;7</P></TD>
    <TD STYLE="padding-bottom: 8pt; border-right: black 1pt solid; border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="padding-bottom: 8pt; border-right: black 1pt solid; border-bottom: black 1pt solid; padding-left: 5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">YES</FONT></TD>
    <TD STYLE="padding-bottom: 8pt; border-right: black 1pt solid; border-bottom: black 1pt solid; padding-left: 5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">YES</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-bottom: 8pt; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 5.15pt">DUTY TO REPORT VIOLATIONS</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 5.15pt">Section&nbsp;9</P></TD>
    <TD STYLE="padding-bottom: 8pt; border-right: black 1pt solid; border-bottom: black 1pt solid; padding-left: 5.15pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">YES</FONT></TD>
    <TD STYLE="padding-bottom: 8pt; border-right: black 1pt solid; border-bottom: black 1pt solid; padding-left: 5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">YES</FONT></TD>
    <TD STYLE="padding-bottom: 8pt; border-right: black 1pt solid; border-bottom: black 1pt solid; padding-left: 5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">YES</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><B>3.</B></TD><TD STYLE="text-align: left"><B>Reporting Requirements &ndash; All Employees</B></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 53.95pt"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>3.1</B></FONT></TD><TD><B>Attestation of Receipt, Understanding and Compliance:</B></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">All employees will receive a copy of the Code
upon hire and, thereafter any amendments thereto, and must certify, within 10-days of joining a Firm and annually thereafter, that they
have read and understood the Code and have complied with its requirements.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 53.95pt"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>3.2</B></FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Reportable Accounts and Reportable Securities</B></FONT>:</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">All employees must report all of their <B>Reportable
Accounts </B>to the Compliance Department. Existing accounts must be reported promptly upon hiring; new accounts must be reported upon
opening.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Reportable
Accounts </B></FONT>are all securities accounts (brokerage and investment accounts) that an employee has investment discretion over or
receives economic benefits from, and which hold or are capable of holding <B>Reportable Securities.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Reportable
Securities </B></FONT>are broadly defined and include transactions (both long and short) in the following:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD>Shares of stocks, ADRs, and other equity securities (including any security convertible into equity securities)</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD STYLE="text-align: justify">Warrants</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD STYLE="text-align: justify">Bonds and notes</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD STYLE="text-align: justify">Shares of exchange traded funds (ETFs)</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD STYLE="text-align: justify">Shares of closed-end funds</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD STYLE="text-align: justify">Options, futures and other derivatives</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD STYLE="text-align: justify">Private placement securities</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD STYLE="text-align: justify">Shares of open-end mutual funds managed by a Virtus Firm</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD STYLE="text-align: justify">Securities acquired in an initial public offering (IPO) or a limited offering or crowdfunding.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The following are not considered <B>Reportable
Securities:</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD STYLE="text-align: justify">Direct obligations of the U.S. Government</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD STYLE="text-align: justify">Money market instruments and funds</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD>Bankers&rsquo; acceptances, certificates of deposit, commercial paper and other high quality short-term debt instruments</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD STYLE="text-align: justify">Open-end mutual funds that are not managed by a Virtus Firm</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD STYLE="text-align: justify">529 Plans (unless a mutual fund managed by a Virtus Firm is an investment option)</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD>Holdings in accounts maintained through Fidelity for the Virtus 401(k)&nbsp;Plan or similar Firm- sponsored retirement or benefit
plans identified by the Compliance Department.</TD></TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>However, the following must be reported:</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD STYLE="text-align: justify">Fidelity
                                            BrokerageLink and any other Virtus Fidelity account capable of holding <B>Reportable Securities</B> including, without limitation, restricted stock of Virtus.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD>401(k)&nbsp;plans maintained with prior employers and 401(k)&nbsp;plans of immediate family members if such accounts have the capacity
to invest in <B>Reportable Securities</B>.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Reportable
Accounts </B></FONT>include investment accounts of certain related persons including an employee&rsquo;s spouse, domestic partner, minor
children and step-children and other persons residing in the same household as the employee.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Reportable
Accounts </B></FONT>include those accounts from which an employee or immediate family member may benefit directly or indirectly, such
as a family trust or partnership, or joint brokerage account.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Investments accounts that are capable of holding
<B>Reportable Securities </B>are considered <B>Reportable Accounts </B>and must be reported even if <B>Reportable Securities </B>are not
currently held in the account.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Reportable
Accounts </B></FONT>do not include <B>Managed Accounts</B>, although the Compliance Department may require submission of relevant transactions
documentation and holdings in order to monitor the status of an account as a Managed Account. A Managed Account is an investment account
from which an employee or related person benefits financially, but over which neither the employee nor related person exercises direct
or indirect investment discretion. Generally, with a Managed Account a third-party, such as a broker or financial advisor, makes all investment
decisions on behalf of the employee and the employee does not discuss any specific transactions for the account with the third-party manager.
Designation of a Managed Account must be properly documented and approved in accordance with Compliance Department procedures.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 53.95pt"></TD><TD STYLE="width: 0.25in"><B>3.3</B></TD><TD><B>Initial and Annual Holdings Reports:</B></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Within
ten (10)&nbsp;days of hire, and annually thereafter as instructed by the Compliance Department, all employees must submit a report
listing all personal holdings of <B>Reportable Securities. </B>The information in the initial report must be current as of a date
not more than forty-five (45) days prior to employment. The annual reports must be current as of December&nbsp;31</FONT>st of each
year and submitted by January&nbsp;31st of each year and shall include such information regarding the holdings as instructed by the
Compliance Department. Each holdings report shall include a certification by the employee that he or she has read, understood, has
complied and will continue to comply with the requirements of this Code</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 53.95pt"></TD><TD STYLE="width: 0.25in"><B>3.4</B></TD><TD><B>Duplicate Trade Confirmations and Personal Brokerage Account Statements:</B></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">For all Reportable Accounts, employees shall direct
their brokers to provide the Compliance Department with a duplicate copy of the confirmation for each <B>Reportable Securities </B>transaction
at the same time the broker provides the confirmation to the employee. In addition, employees shall direct their brokers to provide the
Compliance Department an account statement at least quarterly for each <B>Reportable Account</B>. Electronic feeds arranged through the
Compliance Department will satisfy these requirements.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 53.95pt"></TD><TD STYLE="width: 0.25in"><B>3.5</B></TD><TD><B>Quarterly Transactions Reports:</B></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Each employee must complete a quarterly report
of transactions in Reportable Securities within the timeframe specified by the Compliance Department (generally 15 days after quarter-end).
The Compliance Department may grant extensions in cases of hardship, illness, system unavailability or other circumstances provided that
the timeframe as extended may not exceed 30 days after quarter-end. Any such extension shall not be deemed a waiver of the Code&rsquo;s
provisions.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><B>4.</B></TD><TD STYLE="text-align: left"><B>Trade Preclearance &ndash; Access and Advisory Persons</B></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; color: #221f1f">Generally, Access and Advisory
Persons may not knowingly purchase or sell a Reportable Security for their own account on any day during which any client account has
a buy or sell order pending for the same security or when trading in the Reportable Security is otherwise restricted. In addition, as
described in Section&nbsp;5 &ndash; Blackout Rule, Advisory Persons are restricted from trading for a period before and after trades are
made in the client accounts they are associated with.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; color: #221f1f">To
assist in implementing these trading restrictions, Access and Advisory Persons are required to obtain prior approval (&ldquo;preclearance&rdquo;)
from the Compliance Department before buying or selling Reportable Securities. </FONT>Access and Advisory Persons must wait for preclearance
approval before <FONT STYLE="color: #221f1f">placing an order for a Reportable Security with a broker. If granted, preclearance is valid
through the end of the next business day (with the exception of Private Placements which are determined on a case by case basis</FONT>).
An order not executed within that time must be re-submitted for preclearance approval.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Generally, preclearance will be denied in the
following circumstances:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD STYLE="text-align: justify">When the Firm has a pending buy or sell order for the security for a client account</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD STYLE="text-align: justify">When a security is subject to a Firm-wide restriction</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD>Other circumstances as may be determined by the Compliance Department on a case-by- case basis consistent with the purposes of the
Code.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Exceptions: Transactions in the following securities do not require
preclearance:</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD>Direct obligations of the U.S. government</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD>High quality short-term debt instruments such as commercial paper, repurchase agreements, bankers&rsquo; acceptances and money market
instruments</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD>Bankers&rsquo; acceptances, bank certificates of deposit (&ldquo;CDs&rdquo;), commercial paper, repurchase agreements and other high
quality short-term debt instruments</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD>Open-end mutual funds and unit investment trusts invested in open-end mutual funds</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD>Up to 1000 shares per calendar month (in total for all accounts) in companies comprising the S&amp;P 500 index at the time of the
transaction</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD>Up to 1000 shares per calendar month (in total for all accounts) in exchange traded funds (ETFs) that are not advised or subadvised
by a Virtus Firm</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD>Shares of closed-end mutual funds that are not advised or subadvised by a Virtus Firm</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD>Purchases pursuant to an automatic investment or dividend reinvestment plan</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD>Purchases upon the exercise of rights issued by an issuer pro rata to all holders of a class of its securities, to the extent the
rights were acquired from the issuer, and sales of such rights so acquired</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD>Transactions under an employee stock purchase or incentive program unless otherwise restricted</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD>Non-volitional transactions (such as stock splits, dividends, corporate actions,&nbsp;etc.)</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD>Transactions in Managed Accounts provided that prior to the transaction the Compliance Department has approved the classification
of the account as a Managed Account</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD>Transactions in Virtus common or preferred securities that otherwise comply with the Virtus Policy on Inside Information Concerning
Virtus&rsquo; Corporate Activities (i.e., the Trading Window policy)</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><B>5.</B></TD><TD STYLE="text-align: left"><B>Blackout Rule&nbsp;- Advisory Persons</B></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">In addition to the preclearance requirements of
Section&nbsp;4 above, Advisory Persons may not transact in any Reportable Security within seven calendar days before or after the client
portfolio(s)&nbsp;they are associated with trade in that security. The seven-day period is exclusive of the execution date. The Blackout
Rule&nbsp;does not apply to transactions in Reportable Securities that are exempt from the preclearance requirements of Section&nbsp;4.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><B>6.</B></TD><TD STYLE="text-align: left"><B>Other Restrictions</B></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Access and Advisory Persons are at all times prohibited from engaging
in any of the following:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD>Purchasing single-stock futures</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD>Taking short positions other than on broad based indices</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD>Purchasing securities in an initial public offering (IPO) or Crowd Funding</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD>Purchasing privately placed securities or limited offerings of securities unless, in addition to compliance with preclearance procedures,
the terms of such offering are reviewed and approved by the Compliance Department in advance</TD></TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">In no event may an Access or Advisory Person use
a derivative or synthetic instrument to circumvent a restriction in the Code.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">In addition, Advisory Persons are prohibited from
engaging in any of the following:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD>Taking a short position (including a short position on an index) that is held long in a client account of a Firm the individual is
an Advisory Person of.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD>Serving as a director on the board of directors of any publicly traded company absent the prior approval of the Compliance Department
based on a determination that the board service will not conflict with the interests of the Virtus Firms or their clients.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><B>7.</B></TD><TD STYLE="text-align: left"><B>Holding Period Rule</B></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Unless an exception applies, Access and Advisory
Persons must hold all Reportable Securities for no less than thirty (30) days, whether or not the purchase was exempt from preclearance.
This holding period rule&nbsp;prohibits the purchase or sale of options with an expiration date that is within 30 days of the transaction
date, as well as the sale of covered calls on securities held for less than 30 days. In addition, Access and Advisory Persons must comply
with applicable &ldquo;market timing&rdquo; restrictions imposed with respect to any holdings in open-end mutual funds, including funds
that are advised or subadvised by any Firm.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Exceptions: This Holding Period Rule&nbsp;does
not apply with respect to the following:</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD STYLE="text-align: justify">Transactions in open-end mutual funds that are advised or subadvised by any Firm (although &ldquo;market
timing&rdquo; restrictions imposed by such funds must be observed)</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD STYLE="text-align: justify">Transactions in shares of Virtus Investment Partners,&nbsp;Inc. common stock received through vesting
of Restricted Stock Units (&ldquo;RSUs&rdquo;) grants, subject to the Virtus Trading Window policy</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD STYLE="text-align: justify">Striking VRTS call options and selling the shares, where such options have been provided as grants, subject
to the Virtus Trading Window policy</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD STYLE="text-align: justify">Transactions in approved Managed Accounts</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Generally, a last in first out (&ldquo;LIFO&rdquo;)
accounting methodology will be applied for determining compliance with this holding period rule.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><B>8.</B></TD><TD STYLE="text-align: left"><B>Duty to Report Violations</B></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Employees should promptly report violations of
this Code to the Compliance Department and should contact the Compliance Department promptly if they have reason to believe that a violation
may have occurred or is reasonably likely to occur. Failure to report such violations is itself a violation of this Code. In the event
the reported event involves a member of the Compliance Department, the report should be made directly and only to the Virtus Investment
Partners,&nbsp;Inc. Chief Compliance Officer. In the event the reported event involves the Chief Compliance Officer, the report should
be made directly and only to the Virtus Investment Partners,&nbsp;Inc. General Counsel. Matters may also be reported utilizing the Virtus
Compliance Hotline by telephone or via the internet. Instructions for using the Hotline are available on VirtusNet.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><B>9.</B></TD><TD STYLE="text-align: left"><B>Sanctions for Violations of the Code</B></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">In the event of a violation of the Code by any
Supervised Person, the Compliance Department may impose appropriate sanctions based on consideration of the seriousness of the violation,
whether the violation was willful or inadvertent, whether the Person self-reported the violation, the Person&rsquo;s job function and
classification as an Access or Advisory Person, and any prior violations of the Code. Sanctions may include but are not limited to the
following:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD>Verbal and/or written admonishment and training on the requirements of the Code</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD>Notice to the Person&rsquo;s manager</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD>Fines and/or reversal of trades, with the fines and disgorgement of profits (or losses avoided) donated to a charity designated by
the Compliance Department</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD>Partial or full restriction on personal trading for a period of time (which may be the remainder of the Person&rsquo;s employment)</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD>Suspension or termination of employment.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><B>10.</B></TD><TD STYLE="text-align: left"><B>Exceptions</B></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The Compliance Department may, from time to time,
grant exceptions to provisions of this Code for equitable or other reasons. The Compliance Department will maintain reasonable documentation
of any such exceptions. The exceptions may be granted to individuals or classes of individuals with respect to particular transactions
or classes of transactions, and may apply to past as well as future transactions. However, no exception will be granted if the Compliance
Department is aware that granting the exception is likely to result in a violation of applicable federal securities laws.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><B>11.</B></TD><TD STYLE="text-align: left"><B>Recordkeeping Requirements</B></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The Virtus Compliance Department will maintain
records regarding the Code and its administration as required by Rule&nbsp;204-2 of the Advisers Act and Rule&nbsp;31a-2 of the Company
Act. Such records will be maintained in a readily accessible place for at least five (5)&nbsp;years, with the first two (2)&nbsp;years
in a Virtus Firm office. Required records include the following for the past five (5)&nbsp;years:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD>A copy of each Code in effect</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD>Records of any violations of the Code and action taken in response thereto</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD>Records of Supervised Persons&rsquo; written acknowledgements of the Code</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD>A list of all Supervised Persons who have been required to make reports pursuant to the Code</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD STYLE="text-align: justify">Records of decisions to approve transactions in private placements and the basis for such approvals</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD STYLE="text-align: justify">Copies of all reports made by the chief compliance officer of each Virtus Firm and by the chief compliance
officer of the Virtus Funds regarding the administration of the Code as required by the Advisers Act or the Company Act.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">October&nbsp;1, 2017</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><I><U>Schedule A</U></I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">On October&nbsp;1, 2017, the following entities adopted this Code of
Ethics:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD>Ceredex Value Advisors LLC</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD>Duff&nbsp;&amp; Phelps Investment Management Co.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD>Kayne Anderson Rudnick Investment Management, LLC</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD>Newfleet Asset Management, LLC</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD>Seix Investment Advisors LLC</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD>Silvant Capital Management LLC</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD>Virtus Alternative Investment Advisers,&nbsp;Inc.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD>Virtus ETF Advisers LLC and its affiliates (Virtus ETF Solutions LLC and ETF Distributors LLC)</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD>Virtus Fund Advisers, LLC</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD>Virtus Investment Advisers,&nbsp;Inc.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD>VP Distributors, LLC</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">On November&nbsp;6, 2020, the following entity adopted this Code of
Ethics:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>NFJ Investment Group, LLC</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">On October&nbsp;1, 2021, the following entity adopted this Code of
Ethics:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>Westchester Capital Management, LLC</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>Westchester Capital Partners, LLC</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><I>This Schedule will be updated from time to time without being considered
an amendment to the Code of Ethics.</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-FILING FEES
<SEQUENCE>9
<FILENAME>tm228106d1_ex99s.htm
<DESCRIPTION>CALCULATION OF FILING FEE TABLES
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
</HEAD>
<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right; background-color: white"><B>Exhibit&nbsp;(s)</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; background-color: white"><B>Calculation of Filing
Fee Tables</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; background-color: white"><B>FORM&nbsp;N-2</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; background-color: white">(Form&nbsp;Type)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; background-color: white"><B>Virtus Total Return
Fund Inc.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; background-color: white">(Exact Name of Registrant
as Specified in its Charter)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; background-color: white"><U>Table 1: Newly Registered
and Carry Forward Securities</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: center; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 7pt">Security<BR> Type</FONT></TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: center; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 7pt">Security<BR> Class<BR>
    Title</FONT></TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: center; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 7pt">Fee<BR> Calculation<BR>
    or Carry<BR> Forward<BR> Rule</FONT></TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt; text-align: center; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 7pt">Amount<BR>
    Registered</FONT></TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt; text-align: center; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 7pt">Proposed<BR>
    Maximum<BR> Offering<BR> Price Per<BR> Unit</FONT></TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt; text-align: center; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 7pt">Maximum<BR>
    Aggregate<BR> Offering Price</FONT></TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt; text-align: center; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 7pt">Fee<BR>
    Rate</FONT></TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt; text-align: center; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 7pt">Amount of<BR>
    Registration<BR> Fee</FONT></TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 7pt">Carry<BR>
    Forward <BR>Form<BR> Type</FONT></TD><TD STYLE="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 7pt">Carry
    <BR>Forward <BR>File <BR>Number</FONT></TD><TD STYLE="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: center"><FONT STYLE="font-size: 7pt">Carry<BR>
    Forward<BR> Initial<BR> effective<BR> date</FONT></TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: center"><FONT STYLE="font-size: 7pt">Filing&nbsp;Fee<BR>
    Previously<BR> Paid&nbsp;In<BR> Connection<BR> with&nbsp;Unsold<BR> Securities&nbsp;to<BR> be&nbsp; Carried<BR> Forward</FONT></TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD COLSPAN="39" STYLE="font-size: 10pt; text-align: center"><FONT STYLE="font-size: 7pt">Newly Registered Securities</FONT></TD></TR>

     <TR STYLE="vertical-align: bottom;">
    <TD STYLE="font-size: 10pt; text-align: center; padding-bottom: 1pt; padding-left: 8pt; width: 7%"><FONT STYLE="font-size: 7pt">Fees
    to be<BR>
    Paid</FONT></TD><TD STYLE="width: 1%; font-size: 10pt; padding-bottom: 1pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 5%; font-size: 10pt; text-align: center; padding-bottom: 1pt"><FONT STYLE="font-size: 7pt">Equity</FONT></TD><TD STYLE="width: 1%; font-size: 10pt; padding-bottom: 1pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 5%; font-size: 10pt; text-align: center; padding-bottom: 1pt"><FONT STYLE="font-size: 7pt">Common<BR> Stock</FONT></TD><TD STYLE="width: 1%; font-size: 10pt; padding-bottom: 1pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 6%; font-size: 10pt; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-size: 7pt">457(c)</FONT></TD><TD STYLE="width: 1%; font-size: 10pt; padding-bottom: 1pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 1%; font-size: 10pt; text-align: left"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="width: 5%; font-size: 10pt; text-align: right"><FONT STYLE="font-size: 7pt">19,992,680</FONT></TD><TD STYLE="width: 1%; padding-bottom: 1pt; font-size: 10pt; text-align: left"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="width: 1%; font-size: 10pt; padding-bottom: 1pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 1%; font-size: 10pt; text-align: left"><FONT STYLE="font-size: 7pt">$</FONT></TD><TD STYLE="width: 5%; font-size: 10pt; text-align: right"><FONT STYLE="font-size: 7pt">9.06(1)</FONT></TD><TD STYLE="width: 1%; padding-bottom: 1pt; font-size: 10pt; text-align: left"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="width: 1%; font-size: 10pt; padding-bottom: 1pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 1%; font-size: 10pt; text-align: left"><FONT STYLE="font-size: 7pt">$</FONT></TD><TD STYLE="width: 7%; font-size: 10pt; text-align: right"><FONT STYLE="font-size: 7pt">181,133,677</FONT></TD><TD STYLE="width: 1%; padding-bottom: 1pt; font-size: 10pt; text-align: left"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="width: 1%; font-size: 10pt; padding-bottom: 1pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 1%; font-size: 10pt; text-align: left"><FONT STYLE="font-size: 7pt">$</FONT></TD><TD STYLE="width: 4%; font-size: 10pt; text-align: right"><FONT STYLE="font-size: 7pt">92.70</FONT></TD><TD STYLE="width: 1%; padding-bottom: 1pt; font-size: 10pt; text-align: left"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="width: 1%; font-size: 10pt; padding-bottom: 1pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 1%; font-size: 10pt; text-align: left"><FONT STYLE="font-size: 7pt">$</FONT></TD><TD STYLE="width: 6%; font-size: 10pt; text-align: right"><FONT STYLE="font-size: 7pt">16,791</FONT></TD><TD STYLE="width: 1%; padding-bottom: 1pt; font-size: 10pt; text-align: left"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="width: 1%; font-size: 10pt; padding-bottom: 1pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 5%; font-size: 10pt; text-align: right"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="width: 1%; padding-bottom: 1pt; font-size: 10pt; text-align: left"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="width: 1%; font-size: 10pt; padding-bottom: 1pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 6%; font-size: 10pt; text-align: right"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="width: 1%; padding-bottom: 1pt; font-size: 10pt; text-align: left"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="width: 1%; font-size: 10pt; padding-bottom: 1pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 6%; font-size: 10pt; text-align: right"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="width: 1%; padding-bottom: 1pt; font-size: 10pt; text-align: left"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="width: 1%; font-size: 10pt; padding-bottom: 1pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 7%; font-size: 10pt; text-align: right"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="width: 1%; padding-bottom: 1pt; font-size: 10pt; text-align: left"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD></TR>






  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 10pt; text-align: center; padding-bottom: 1pt; padding-left: 8pt"><FONT STYLE="font-size: 7pt">Fees to be<BR>
    Paid</FONT></TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: center; padding-bottom: 1pt"><FONT STYLE="font-size: 7pt">Other</FONT></TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: center; padding-bottom: 1pt"><FONT STYLE="font-size: 7pt">Rights to<BR> Purchase<BR> Shares<BR>
    of<BR> Common<BR> Stock(2)</FONT></TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: center; padding-bottom: 1pt"><FONT STYLE="font-size: 7pt">&mdash;</FONT></TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: left"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: left"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: left"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-size: 7pt">&mdash;</FONT></TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: left"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: left"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD></TR>

  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt; text-align: center"><FONT STYLE="font-size: 7pt"><FONT STYLE="font-size: 7pt">Fees
    Previously</FONT><BR>
    Paid</FONT></TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD></TR>

  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD COLSPAN="39" STYLE="font-size: 10pt; text-align: center"><FONT STYLE="font-size: 7pt">Carry Forward Securities</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt; text-align: center; padding-bottom: 1pt; padding-left: 8pt"><FONT STYLE="font-size: 7pt">Carry<BR> Forward<BR>
    Securities</FONT></TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt; padding-bottom: 1pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt; padding-bottom: 1pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt; padding-bottom: 1pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: left"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: left"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: left"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 10pt; padding-bottom: 1pt; padding-left: 8pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD COLSPAN="8" STYLE="font-size: 10pt; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-size: 7pt">Total Offering Amounts</FONT></TD><TD STYLE="padding-bottom: 1pt; text-align: left"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: left"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><FONT STYLE="font-size: 7pt">$</FONT></TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><FONT STYLE="font-size: 7pt">181,133,677</FONT></TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: left"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><FONT STYLE="font-size: 7pt">$</FONT></TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><FONT STYLE="font-size: 7pt">16,791</FONT></TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt; padding-bottom: 1pt; padding-left: 8pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD COLSPAN="8" STYLE="font-size: 10pt; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-size: 7pt">Total Fees Previously
    Paid</FONT></TD><TD STYLE="padding-bottom: 1pt; text-align: left"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: left"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: left"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: left"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><FONT STYLE="font-size: 7pt">$</FONT></TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 10pt; padding-bottom: 1pt; padding-left: 8pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD COLSPAN="8" STYLE="font-size: 10pt; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-size: 7pt">Total Fee Offsets</FONT></TD><TD STYLE="padding-bottom: 1pt; text-align: left"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: left"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: left"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: left"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt; padding-bottom: 1pt; padding-left: 8pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD COLSPAN="8" STYLE="font-size: 10pt; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-size: 7pt">Net Fee Due</FONT></TD><TD STYLE="padding-bottom: 1pt; text-align: left"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: left"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: left"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: left"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><FONT STYLE="font-size: 7pt">$</FONT></TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><FONT STYLE="font-size: 7pt">16,791&nbsp;</FONT></TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD></TR>
  </TABLE>

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    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">(1)</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">Based on the average of the high and low prices for
    the Fund&rsquo;s Common Stock reported on the New York Stock Exchange, Inc. on February 28, 2022.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.25in"><FONT STYLE="font-size: 7pt">(2)</FONT></TD>
    <TD><FONT STYLE="font-size: 7pt">No separate consideration will be received by the Registrant. Any shares issued pursuant to the
    offering of rights to purchase shares of common stock, including any shares issued pursuant to an over-subscription privilege or
    a secondary over-subscription privilege, will be shares registered under this Registration Statement.</FONT></TD></TR>
  </TABLE>
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<DOCUMENT>
<TYPE>EX-99.(T)
<SEQUENCE>10
<FILENAME>tm228106d1_ex99t.htm
<DESCRIPTION>POWERS OF ATTORNEY
<TEXT>
<HTML>
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     <TITLE></TITLE>
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<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="text-align: right; margin: 0"><B>Exhibit (t)</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>POWER OF ATTORNEY</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">I, the undersigned member of
the Board of Trustees of Virtus Total Return Fund,&nbsp;Inc. (the &ldquo;Fund&rdquo;), hereby constitute and appoint George R. Aylward,
Jennifer Fromm and Kevin J. Carr, or any of them, as my true and lawful attorneys and agents with full power to sign for me in the capacity
indicated below, on a Registration Statement on Form&nbsp;N-2, any amendments or supplements thereto, and such other filings as may be
appropriate, with the Securities and Exchange Commission under the Securities Act of 1933, as amended, and/or the Investment Company Act
of 1940, as amended, relating to the rights offering of the Fund and hereby ratify and confirm my signature as it may be signed by said
attorneys and agents.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">I hereby declare that a photostatic,
xerographic or other similar copy of this original instrument shall be as effective as the original.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">IN WITNESS WHEREOF, the undersigned has executed
this Power of Attorney as of the 2<SUP>nd</SUP> day of March, 2022.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: Black 1pt solid; width: 49%">&nbsp;</TD>
    <TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; width: 49%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">/s/ Donald C. Burke</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">George R. Aylward, Trustee</FONT></TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Donald C. Burke, Trustee</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">/s/ Sarah E. Cogan</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">/s/ Deborah A. DeCotis</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Sarah E. Cogan, Trustee</FONT></TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Deborah A. DeCotis, Trustee</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">/s/ F. Ford Drummond</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">/s/ Sidney E. Harris</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">F. Ford Drummond, Trustee</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>Sidney E. Harris, Trustee</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">/s/ John R. Mallin</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">/s/ Connie D. McDaniel</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">John R. Mallin, Trustee</FONT></TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Connie D. McDaniel, Trustee</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">/s/ Philip McLoughlin</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">/s/ Geraldine M. McNamara</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Philip McLoughlin, Trustee</FONT></TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Geraldine M. McNamara, Trustee</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">/s/ R. Keith Walton</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">/s/ Brian T. Zino</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">R. Keith Walton, Trustee</FONT></TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Brian T. Zino, Trustee</FONT></TD></TR>
  </TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT>All signatures
need not appear on the same copy of this Power of Attorney.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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end
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<DOCUMENT>
<TYPE>CORRESP
<SEQUENCE>18
<FILENAME>filename18.htm
<TEXT>
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<HEAD>
     <TITLE></TITLE>
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<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><IMG SRC="tm228106d1_correspimg001.jpg" ALT=""></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 5.25in">March&nbsp;2, 2022</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">VIA EDGAR</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">EDGAR Operations Branch</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Division of Investment Management</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Securities and Exchange Commission</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">100 F Street, N.E.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Washington, DC 20549</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Virtus Total Return Fund Inc.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">CIK 0000836412</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Ladies and Gentlemen:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Pursuant to the Securities Act of 1933, as amended,
the Investment Company Act of 1940, as amended, and the General Rules&nbsp;and Regulations thereunder, enclosed for filing electronically
is the Registration Statement on Form&nbsp;N-2 of Virtus Total Return Fund Inc. (the &ldquo;Fund&rdquo;). This filing relates to an offering
of non-transferable rights to shareholders of the Fund to subscribe for new shares of Common Stock to be issued by the Fund.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Any questions or comments with respect to this
filing may be directed to the undersigned at (202) 775-1227.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 50%; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Very truly yours,</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">/s/ Arie Heijkoop,&nbsp;Jr.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Arie Heijkoop,&nbsp;Jr.</FONT></TD></TR>
  </TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Enclosures</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0.5in; text-align: left"><FONT STYLE="font-size: 10pt">cc:</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt">Jennifer Fromm,&nbsp;Esq.</FONT></TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Kevin Carr,&nbsp;Esq.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">David Mahaffey,&nbsp;Esq.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Linda Miller</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><IMG SRC="tm228106d1_correspimg002.jpg" ALT=""></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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