<SEC-DOCUMENT>0001104659-22-083745.txt : 20220830
<SEC-HEADER>0001104659-22-083745.hdr.sgml : 20220830

<ACCEPTANCE-DATETIME>20220728172728

<PRIVATE-TO-PUBLIC>

ACCESSION NUMBER:		0001104659-22-083745

CONFORMED SUBMISSION TYPE:	N-2/A

PUBLIC DOCUMENT COUNT:		23

FILED AS OF DATE:		20220728

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/A

		SEC ACT:		1940 Act

		SEC FILE NUMBER:	811-05620

		FILM NUMBER:		221116393



	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/A

		SEC ACT:		1933 Act

		SEC FILE NUMBER:	333-263245

		FILM NUMBER:		221116392



	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

</SEC-HEADER>

<DOCUMENT>
<TYPE>N-2/A
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<FILENAME>tm228106d2_n2a.htm
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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 July 28, 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;333-263245</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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  <TR STYLE="vertical-align: top">
    <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">
  <TR STYLE="vertical-align: top">
    <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>Pre-effective Amendment
No.</B> 1</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">&#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">&#120;</FONT> </TD>
    <TD STYLE="font-size: 10pt"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Amendment No.&nbsp;17
    </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>One Financial Plaza</B>&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"> <B>Hartford, CT 06103-2608</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="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>David C. Mahaffey, Esquire</B></P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><B>Sullivan&nbsp;&amp;
Worcester LLP</B></P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><B>1666 K Street, NW</B></P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><B>Washington, DC 20006</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>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">
  <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">&#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: 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-top: 0pt; margin-bottom: 0pt; text-align: center"> <B><I>Subject to Completion,
Dated July 28, 2022</I></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>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"> <B>PROSPECTUS</B> </P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"> <B>16,500,000 SHARES OF COMMON STOCK</B> </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 August 9, 2022 (the &ldquo;Record
Date&rdquo;) entitling the holders of these Rights to subscribe (the &ldquo;Offer&rdquo;) for up to an aggregate of 16,500,000 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 25% of the shares, or up to an additional 4,125,000
shares of Common Stock, for an aggregate total of 20,625,000 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. The Fund 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. </P>

<P STYLE="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 Virtus Fixed
Income Advisers, LLC (&ldquo;VFIA&rdquo;), an affiliate of VIA and also an indirect, wholly-owned subsidiary of Virtus, operating through its division Newfleet Asset Management
(&ldquo;Newfleet&rdquo; and together with DPIM, the &ldquo;Subadvisers&rdquo;), 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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<P STYLE="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>&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;53 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 inquiries relating to the Offer to, the Fund&rsquo;s Information Agent, Georgeson LLC. Banks and Brokers and all other
shareholders should call 866-431-2108. 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 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 16,500,000 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. The information in this Prospectus assumes the Offer is fully
subscribed, unless otherwise indicated that  it assumes oversubscription.</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, including in emerging markets. 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. The Fund maintains credit agreements with banks through which it may borrow money to leverage shareholders&rsquo; investment. </P>

<P STYLE="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. The Fund may invest in issuers of any capitalization. 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. The fund may invest in senior floating rate loans, including both secured loans
and &ldquo;covenant lite&rdquo; loans which have few or no financial maintenance covenants that would require a borrower to maintain
certain financial metrics. Newfleet seeks diversification in the fixed income portion of the Fund among the Utilities and Industrials
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, and pass-through securities,
including those issued or guaranteed as to principal and interest by the U.S. Government, its agencies, authorities or instrumentalities.
A team of investment professionals provides significant research depth across different bond market sectors. Under normal circumstances,
the Fund&rsquo;s average duration is maintained at a level similar to the Bloomberg U.S. Aggregate Bond Index. The Fund manages duration
utilizing a duration neutral strategy, but generally remains within a range of +/- 3 years. As of May 31, 2022, the effective duration
of the Bloomberg U.S. Aggregate Bond Index was  6.51 years; the effective duration of the Fund was 3.60 years. </P>

<P STYLE="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 VFIA, also an indirect, wholly-owned subsidiary of Virtus, operating through its division Newfleet, 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 August 9, 2022 (the &ldquo;Record Date&rdquo;) non-transferable rights (the
 &ldquo;Rights&rdquo;) to subscribe for up to an aggregate of 16,500,000 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
4,125,000 Shares of Common Stock, for an aggregate total of 20,625,000 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;). Brokers, banks and trust companies may apply an earlier cutoff
time, so shareholders that hold their shares through such agents should contact their agents about the applicable end of the offering period.&#8239;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;&nbsp;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"> 866-431-2108 </P>

<P STYLE="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"> August 9, 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: rgb(204,238,255)">
    <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: White">
    <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: rgb(204,238,255)">
    <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>
<!-- Field: Rule-Page --><DIV STYLE="margin-top: 1pt; margin-bottom: 1pt; width: 100%"><DIV STYLE="font-size: 1pt; border-top: black 0.5pt solid">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

<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>

<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">Record Date Shareholders exercising Rights must
    deliver to the Subscription Agent by the Expiration Date the Subscription Certificate together with payment. </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>Principal 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"> Principal Investment Strategies </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 STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"> &nbsp; </TD>
    <TD STYLE="vertical-align: bottom"> &nbsp; </TD>
    <TD STYLE="vertical-align: bottom"> &nbsp; </TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"> Utilities Industry Risk </TD>
    <TD STYLE="vertical-align: bottom"> &nbsp; </TD>
    <TD STYLE="vertical-align: bottom"> Public utility companies are subject to intrinsic risks, including difficulty in obtaining
    an adequate return on invested capital, difficulty in financing large construction programs during an inflationary period, restrictions
    on operations and increased costs and delays attributable to environmental considerations and regulation, difficulty in raising capital
    in adequate amounts on reasonable terms in periods of high inflation and unsettled capital markets, technological innovations that
    may render existing plants, equipment or products obsolete, the potential impact of natural or man-made disasters, increased costs
    and reduced availability of certain types of fuel, occasional reduced availability and high costs of natural gas and other fuels,
    the effects of energy conservation, the effects of a national energy policy and lengthy delays and greatly increased costs and other
    problems associated with the design, construction, licensing, regulation and operation of nuclear facilities for electric generation,
    including, among other considerations, the problems associated with the use of radioactive materials, the disposal of radioactive
    wastes, shutdown of facilities or release of radiation resulting from catastrophic events, disallowance of costs by regulators which
    may reduce profitability, and changes in market structure that increase competition. There are substantial differences among the
    regulatory practices and policies of various jurisdictions, and any given regulatory agency may make major shifts in policy from
    time to time. </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>
  <TR>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"> &nbsp; </TD>
    <TD STYLE="vertical-align: bottom"> &nbsp; </TD>
    <TD STYLE="vertical-align: bottom"> &nbsp; </TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"> Emerging Market Risk </TD>
    <TD STYLE="vertical-align: bottom"> &nbsp; </TD>
    <TD STYLE="vertical-align: bottom"> The risks of foreign investments are generally greater in countries whose markets are still
    developing than they are in more developed markets. Emerging market countries typically have economic and political systems that
    are less fully developed, and can be expected to be less stable than those of more developed countries. For example, the economies
    of such countries can be subject to rapid and unpredictable rates of inflation or deflation. Since these markets are often small,
    they may be more likely to suffer sharp and frequent price changes or long-term price depression because of adverse publicity, investor
    perceptions or the actions of a few large investors. They may also have policies that restrict investment by foreigners, or that
    prevent foreign investors from withdrawing their money at will. Certain emerging markets may also face other significant internal
    or external risks, including the risk of war and civil unrest. For all of these reasons, investments in emerging markets may be considered
    speculative. To the extent that a fund invests a significant portion of its assets in a particular emerging market, the fund will
    be more vulnerable to financial, economic, political and other developments in that country, and conditions that negatively impact
    that country will have a greater impact on the fund as compared with a fund that does not have its holdings concentrated in a particular
    country. </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; 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>
  <TR>
    <TD STYLE="vertical-align: top; font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="vertical-align: bottom; font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="vertical-align: bottom"> &nbsp; </TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; font-size: 10pt"> Covenant Lite Loan Risk </TD>
    <TD STYLE="vertical-align: bottom; font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="vertical-align: bottom"> Because covenant lite loans contain few or no financial maintenance covenants, they may not
    include terms that permit the lender of the loan to monitor the borrower&rsquo;s financial performance and, if certain criteria are
    breached, declare a default, which would allow the lender to restructure the loan or take other action intended to help mitigate
    losses. As a result, the fund could experience relatively greater difficulty or delays in enforcing its rights on its holdings of
    covenant lite loans than its holdings of loans or securities with financial maintenance covenants, which may result in losses, especially
    during a downturn in the credit cycle. </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 under various credit agreements. 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, high inflation, 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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    <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>
    <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%"> As a closed-end fund, the Fund&rsquo;s shares may trade at a discount or premium
    from their net asset values, which may affect whether an investor will realize gains or losses. The Fund may also employ leverage,
    which may increase volatility. </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<SUP>(3)</SUP> </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. &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). 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>
  <TR STYLE="vertical-align: top">
    <TD> (3) </TD>
    <TD> As of November 30, 2021, the Fund held leverage of $159,750,000, or 27% of total assets. </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">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 four years have
been audited by PricewaterhouseCoopers LLP, independent registered public accounting firm, whose reports thereon were unqualified. The financial statements
and notes thereto, together with the report of the independent registered public accounting firm 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; text-align: center; margin-top: 0pt; margin-bottom: 0pt"> <B>VIRTUS TOTAL RETURN
FUND INC.</B> </P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"> <B>SELECTED PER SHARE
DATA AND RATIOS FOR A SHARE OUTSTANDING</B> </P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"> <B>THROUGHOUT EACH PERIOD</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="text-indent: -0.125in; padding-left: 0.125in"> <B>&nbsp;</B> </TD>
    <TD> <B>&nbsp;</B> </TD>
    <TD COLSPAN="18" STYLE="border-bottom: black 1pt solid; text-align: center"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Year
    Ended November 30,</B></FONT> </TD>
    <TD STYLE="white-space: nowrap"> <B>&nbsp;</B> </TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-indent: -0.125in; padding-left: 0.125in; text-align: center"> <B>&nbsp;</B> </TD>
    <TD STYLE="text-align: center"> <B>&nbsp;</B> </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"><B>2021</B></FONT> </TD>
    <TD STYLE="text-align: center"> <B>&nbsp;</B> </TD>
    <TD STYLE="text-align: center"> <B>&nbsp;</B> </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"><B>2020<SUP>(1)</SUP></B></FONT> </TD>
    <TD STYLE="text-align: center"> <B>&nbsp;</B> </TD>
    <TD STYLE="text-align: center"> <B>&nbsp;</B> </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"><B>2019<SUP>(1)</SUP></B></FONT> </TD>
    <TD STYLE="white-space: nowrap; text-align: center"> <B>&nbsp;</B> </TD>
    <TD STYLE="text-align: center"> <B>&nbsp;</B> </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"><B>2018<SUP>(1)</SUP></B></FONT> </TD>
    <TD STYLE="text-align: center"> <B>&nbsp;</B> </TD>
    <TD STYLE="text-align: center"> <B>&nbsp;</B> </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"><B>2017<SUP>(1)</SUP></B></FONT> </TD>
    <TD STYLE="white-space: nowrap; text-align: center"> <B>&nbsp;</B> </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-indent: -0.125in; padding-left: 0.125in"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>PER
    SHARE DATA:</B></FONT> </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> &nbsp; </TD>
    <TD STYLE="white-space: nowrap"> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> &nbsp; </TD>
    <TD STYLE="white-space: nowrap"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.125in; width: 39%"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Net
    asset value, beginning of period </FONT> </TD>
    <TD STYLE="padding-bottom: 1pt; width: 2%"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; width: 1%"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT> </TD>
    <TD STYLE="border-bottom: Black 1pt solid; width: 9%; text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9.31</FONT> </TD>
    <TD STYLE="padding-bottom: 1pt; width: 1%"> &nbsp; </TD>
    <TD STYLE="padding-bottom: 1pt; width: 1%"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; width: 1%"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT> </TD>
    <TD STYLE="border-bottom: Black 1pt solid; width: 9%; text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10.33</FONT> </TD>
    <TD STYLE="padding-bottom: 1pt; width: 1%"> &nbsp; </TD>
    <TD STYLE="padding-bottom: 1pt; width: 1%"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; width: 1%"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT> </TD>
    <TD STYLE="border-bottom: Black 1pt solid; width: 9%; text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11.01</FONT> </TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; width: 1%"> &nbsp; </TD>
    <TD STYLE="padding-bottom: 1pt; width: 1%"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; width: 1%"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT> </TD>
    <TD STYLE="border-bottom: Black 1pt solid; width: 9%; text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">13.98</FONT> </TD>
    <TD STYLE="padding-bottom: 1pt; width: 1%"> &nbsp; </TD>
    <TD STYLE="padding-bottom: 1pt; width: 1%"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; width: 1%"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT> </TD>
    <TD STYLE="border-bottom: Black 1pt solid; width: 9%; text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">12.25</FONT> </TD>
    <TD STYLE="padding-bottom: 1pt; white-space: nowrap; width: 1%"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-indent: -0.125in; padding-left: 0.125in"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Income
    (loss) from investment operations:</B></FONT> </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> &nbsp; </TD>
    <TD STYLE="white-space: nowrap"> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> &nbsp; </TD>
    <TD STYLE="white-space: nowrap"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-indent: -0.125in; padding-left: 0.125in"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Net
    investment income (loss)<SUP>(2)</SUP></FONT> </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.22</FONT> </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.25</FONT> </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.24</FONT> </TD>
    <TD STYLE="white-space: nowrap"> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.34</FONT> </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.30</FONT> </TD>
    <TD STYLE="white-space: nowrap"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-indent: -0.125in; padding-left: 0.125in"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Net
    realized and unrealized gain (loss) </FONT> </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.35</FONT> </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(0.11</FONT> </TD>
    <TD> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</FONT> </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.52</FONT> </TD>
    <TD STYLE="white-space: nowrap"> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(1.81</FONT> </TD>
    <TD> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</FONT> </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2.34</FONT> </TD>
    <TD STYLE="white-space: nowrap"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-indent: -0.125in; padding-left: 0.125in"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Payment
    from affiliate</FONT> </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="border-bottom: black 1pt solid"> &nbsp; </TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&mdash;</FONT> </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="border-bottom: black 1pt solid"> &nbsp; </TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&mdash;</FONT> </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="border-bottom: black 1pt solid"> &nbsp; </TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&mdash;</FONT> </TD>
    <TD STYLE="white-space: nowrap"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>(3)</SUP></FONT> </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="border-bottom: black 1pt solid"> &nbsp; </TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&mdash;</FONT> </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="border-bottom: black 1pt solid"> &nbsp; </TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&mdash;</FONT> </TD>
    <TD STYLE="white-space: nowrap"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-indent: -0.125in; padding-left: 0.125in"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total
    from investment operations</FONT> </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="border-bottom: black 1pt solid"> &nbsp; </TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.57</FONT> </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="border-bottom: black 1pt solid"> &nbsp; </TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.14</FONT> </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="border-bottom: black 1pt solid"> &nbsp; </TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.76</FONT> </TD>
    <TD STYLE="white-space: nowrap"> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="border-bottom: black 1pt solid"> &nbsp; </TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(1.47</FONT> </TD>
    <TD> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</FONT> </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="border-bottom: black 1pt solid"> &nbsp; </TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2.64</FONT> </TD>
    <TD STYLE="white-space: nowrap"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-indent: -0.125in; padding-left: 0.125in"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Dividends
    and Distributions to Shareholders:</B></FONT> </TD>
    <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> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="white-space: nowrap"> &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="white-space: nowrap"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-indent: -0.125in; padding-left: 0.125in"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Net
    investment income</FONT> </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(0.24</FONT> </TD>
    <TD> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</FONT> </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(0.27</FONT> </TD>
    <TD> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</FONT> </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(0.31</FONT> </TD>
    <TD STYLE="white-space: nowrap"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</FONT> </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(0.31</FONT> </TD>
    <TD> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</FONT> </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(0.36</FONT> </TD>
    <TD STYLE="white-space: nowrap"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</FONT> </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-indent: -0.125in; padding-left: 0.125in"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Net
    realized gains</FONT> </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&mdash;</FONT> </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&mdash;</FONT> </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&mdash;</FONT> </TD>
    <TD STYLE="white-space: nowrap"> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(0.09</FONT> </TD>
    <TD> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</FONT> </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(0.60</FONT> </TD>
    <TD STYLE="white-space: nowrap"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</FONT> </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-indent: -0.125in; padding-left: 0.125in"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Return
    of capital</FONT> </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="border-bottom: black 1pt solid"> &nbsp; </TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(0.72</FONT> </TD>
    <TD> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</FONT> </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="border-bottom: black 1pt solid"> &nbsp; </TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(0.89</FONT> </TD>
    <TD> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</FONT> </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="border-bottom: black 1pt solid"> &nbsp; </TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(1.13</FONT> </TD>
    <TD STYLE="white-space: nowrap"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</FONT> </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="border-bottom: black 1pt solid"> &nbsp; </TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(1.10</FONT> </TD>
    <TD> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</FONT> </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="border-bottom: black 1pt solid"> &nbsp; </TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&mdash;</FONT> </TD>
    <TD STYLE="white-space: nowrap"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.125in"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total
    dividends and distributions to shareholders</FONT> </TD>
    <TD STYLE="padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(0.96</FONT> </TD>
    <TD STYLE="padding-bottom: 1pt"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</FONT> </TD>
    <TD STYLE="padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(1.16</FONT> </TD>
    <TD STYLE="padding-bottom: 1pt"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</FONT> </TD>
    <TD STYLE="padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(1.44</FONT> </TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</FONT> </TD>
    <TD STYLE="padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(1.50</FONT> </TD>
    <TD STYLE="padding-bottom: 1pt"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</FONT> </TD>
    <TD STYLE="padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(0.96</FONT> </TD>
    <TD STYLE="padding-bottom: 1pt; white-space: nowrap"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</FONT> </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-indent: -0.125in; padding-left: 0.125in"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Fund
    Share Transactions</B></FONT> </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> &nbsp; </TD>
    <TD STYLE="white-space: nowrap"> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> &nbsp; </TD>
    <TD STYLE="white-space: nowrap"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-indent: -0.125in; padding-left: 0.125in"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Anti-dilutive
    impact of tender offers </FONT> </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="border-bottom: black 1pt solid"> &nbsp; </TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&mdash;</FONT> </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="border-bottom: black 1pt solid"> &nbsp; </TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&mdash;</FONT> </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="border-bottom: black 1pt solid"> &nbsp; </TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&mdash;</FONT> </TD>
    <TD STYLE="white-space: nowrap"> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="border-bottom: black 1pt solid"> &nbsp; </TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&mdash;</FONT> </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="border-bottom: black 1pt solid"> &nbsp; </TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.05</FONT> </TD>
    <TD STYLE="white-space: nowrap"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding-bottom: 2.5pt; text-indent: -0.125in; padding-left: 0.125in"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Net
    asset value, end of period</FONT> </TD>
    <TD STYLE="padding-bottom: 2.5pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 2.5pt double"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT> </TD>
    <TD STYLE="border-bottom: Black 2.5pt double; text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8.92</FONT> </TD>
    <TD STYLE="padding-bottom: 2.5pt"> &nbsp; </TD>
    <TD STYLE="padding-bottom: 2.5pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 2.5pt double"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT> </TD>
    <TD STYLE="border-bottom: Black 2.5pt double; text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9.31</FONT> </TD>
    <TD STYLE="padding-bottom: 2.5pt"> &nbsp; </TD>
    <TD STYLE="padding-bottom: 2.5pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 2.5pt double"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT> </TD>
    <TD STYLE="border-bottom: Black 2.5pt double; text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10.33</FONT> </TD>
    <TD STYLE="padding-bottom: 2.5pt; white-space: nowrap"> &nbsp; </TD>
    <TD STYLE="padding-bottom: 2.5pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 2.5pt double"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT> </TD>
    <TD STYLE="border-bottom: Black 2.5pt double; text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11.01</FONT> </TD>
    <TD STYLE="padding-bottom: 2.5pt"> &nbsp; </TD>
    <TD STYLE="padding-bottom: 2.5pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 2.5pt double"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT> </TD>
    <TD STYLE="border-bottom: Black 2.5pt double; text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">13.98</FONT> </TD>
    <TD STYLE="padding-bottom: 2.5pt; white-space: nowrap"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-bottom: 2.5pt; text-indent: -0.125in; padding-left: 0.125in"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Market
    value, end of period<SUP>(4)</SUP></FONT> </TD>
    <TD STYLE="padding-bottom: 2.5pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 2.5pt double"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT> </TD>
    <TD STYLE="border-bottom: Black 2.5pt double; text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9.37</FONT> </TD>
    <TD STYLE="padding-bottom: 2.5pt"> &nbsp; </TD>
    <TD STYLE="padding-bottom: 2.5pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 2.5pt double"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT> </TD>
    <TD STYLE="border-bottom: Black 2.5pt double; text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8.41</FONT> </TD>
    <TD STYLE="padding-bottom: 2.5pt"> &nbsp; </TD>
    <TD STYLE="padding-bottom: 2.5pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 2.5pt double"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT> </TD>
    <TD STYLE="border-bottom: Black 2.5pt double; text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10.98</FONT> </TD>
    <TD STYLE="padding-bottom: 2.5pt; white-space: nowrap"> &nbsp; </TD>
    <TD STYLE="padding-bottom: 2.5pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 2.5pt double"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT> </TD>
    <TD STYLE="border-bottom: Black 2.5pt double; text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9.64</FONT> </TD>
    <TD STYLE="padding-bottom: 2.5pt"> &nbsp; </TD>
    <TD STYLE="padding-bottom: 2.5pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 2.5pt double"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT> </TD>
    <TD STYLE="border-bottom: Black 2.5pt double; text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">13.33</FONT> </TD>
    <TD STYLE="padding-bottom: 2.5pt; white-space: nowrap"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-indent: -0.125in; padding-left: 0.125in"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total
    return, net asset value<SUP>(5)</SUP></FONT> </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6.36</FONT> </TD>
    <TD> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">%</FONT> </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.25</FONT> </TD>
    <TD> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">%</FONT> </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">16.67</FONT> </TD>
    <TD STYLE="white-space: nowrap"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">%</FONT> </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(10.17</FONT> </TD>
    <TD> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">)%</FONT> </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">26.37</FONT> </TD>
    <TD STYLE="white-space: nowrap"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">%</FONT> </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-indent: -0.125in; padding-left: 0.125in"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total
    return, market value<SUP>(5)</SUP></FONT> </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">23.68</FONT> </TD>
    <TD> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">%</FONT> </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(12.25</FONT> </TD>
    <TD> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">)%</FONT> </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">41.67</FONT> </TD>
    <TD STYLE="white-space: nowrap"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">%</FONT> </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(17.51</FONT> </TD>
    <TD> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">)%</FONT> </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">27.06</FONT> </TD>
    <TD STYLE="white-space: nowrap"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">%</FONT> </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-indent: -0.125in; padding-left: 0.125in"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>RATIOS/SUPPLEMENTAL
    DATA:</B></FONT> </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> &nbsp; </TD>
    <TD STYLE="white-space: nowrap"> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> &nbsp; </TD>
    <TD STYLE="white-space: nowrap"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-indent: -0.125in; padding-left: 0.125in"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Ratio
    of net expenses to average net assets<SUP>(6)</SUP></FONT> </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.73</FONT> </TD>
    <TD> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">%</FONT> </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2.05</FONT> </TD>
    <TD> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">%</FONT> </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2.99</FONT> </TD>
    <TD STYLE="white-space: nowrap"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">%<SUP>(7)</SUP></FONT> </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2.61</FONT> </TD>
    <TD> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">%</FONT> </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2.55</FONT> </TD>
    <TD STYLE="white-space: nowrap"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">%<SUP>(8)</SUP></FONT> </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-indent: -0.125in; padding-left: 0.125in"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Ratio
    of total expenses after interest expense to average net assets</FONT> </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.73</FONT> </TD>
    <TD> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">%</FONT> </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2.05</FONT> </TD>
    <TD> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">%</FONT> </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2.99</FONT> </TD>
    <TD STYLE="white-space: nowrap"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">%<SUP>(7)</SUP></FONT> </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2.70</FONT> </TD>
    <TD> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">%</FONT> </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2.62</FONT> </TD>
    <TD STYLE="white-space: nowrap"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">%<SUP>(8)</SUP></FONT> </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-indent: -0.125in; padding-left: 0.125in"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Ratio
    of net investment income (loss) to average net assets</FONT> </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2.34</FONT> </TD>
    <TD> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">%</FONT> </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2.73</FONT> </TD>
    <TD> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">%</FONT> </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2.20</FONT> </TD>
    <TD STYLE="white-space: nowrap"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">%<SUP>(7)</SUP></FONT> </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2.75</FONT> </TD>
    <TD> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">%</FONT> </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2.86</FONT> </TD>
    <TD STYLE="white-space: nowrap"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">%<SUP>(8)</SUP></FONT> </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-indent: -0.125in; padding-left: 0.125in"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Portfolio
    turnover rate</FONT> </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">44</FONT> </TD>
    <TD> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">%</FONT> </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">46</FONT> </TD>
    <TD> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">%</FONT> </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">110</FONT> </TD>
    <TD STYLE="white-space: nowrap"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">%<SUP>(9)</SUP></FONT> </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">46</FONT> </TD>
    <TD> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">%</FONT> </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">61</FONT> </TD>
    <TD STYLE="white-space: nowrap"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">%</FONT> </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-indent: -0.125in; padding-left: 0.125in"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Net
    assets, end of period (000&rsquo;s)</FONT> </TD>
    <TD> &nbsp; </TD>
    <TD> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT> </TD>
    <TD STYLE="text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">426,461</FONT> </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT> </TD>
    <TD STYLE="text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">441,552</FONT> </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT> </TD>
    <TD STYLE="text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">487,899</FONT> </TD>
    <TD STYLE="white-space: nowrap"> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT> </TD>
    <TD STYLE="text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">227,954</FONT> </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT> </TD>
    <TD STYLE="text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">289,580</FONT> </TD>
    <TD STYLE="white-space: nowrap"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-indent: -0.125in; padding-left: 0.125in"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Borrowings,
    end of period (000&rsquo;s)</FONT> </TD>
    <TD> &nbsp; </TD>
    <TD> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT> </TD>
    <TD STYLE="text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">159,750</FONT> </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT> </TD>
    <TD STYLE="text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">159,750</FONT> </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT> </TD>
    <TD STYLE="text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">184,750</FONT> </TD>
    <TD STYLE="white-space: nowrap"> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT> </TD>
    <TD STYLE="text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">84,250</FONT> </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT> </TD>
    <TD STYLE="text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">105,000</FONT> </TD>
    <TD STYLE="white-space: nowrap"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-indent: -0.125in; padding-left: 0.125in"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Asset
    coverage, per $1,000 principal amount of borrowings<SUP>(10)</SUP></FONT> </TD>
    <TD> &nbsp; </TD>
    <TD> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT> </TD>
    <TD STYLE="text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3,670</FONT> </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT> </TD>
    <TD STYLE="text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3,764</FONT> </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT> </TD>
    <TD STYLE="text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3,641</FONT> </TD>
    <TD STYLE="white-space: nowrap"> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT> </TD>
    <TD STYLE="text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3,706</FONT> </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT> </TD>
    <TD STYLE="text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3,758</FONT> </TD>
    <TD STYLE="white-space: nowrap"> &nbsp; </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; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 0.25in"> <SUP>(1)</SUP> </TD><TD STYLE="padding-right: 16pt"> On April 3, 2017, Virtus Total
                                            Return Fund (DCA) was reorganized into the former Virtus Total Return Fund Inc. (ZF). For
                                            periods prior to April 3, 2017, the activity in the table presented above was for the accounting
                                            survivor of that reorganization, DCA. In addition, on November 18, 2019, ZF was reorganized
                                            into the Fund. For periods between April 3, 2017 and November 18, 2019, the activity in the
                                            table presented above is for ZF, and thereafter it is for the Fund. The net asset values
                                            and other per share information for periods prior to the April 3, 2017 reorganization were
                                            revised to reflect the share conversion ratio from that reorganization of 0.391206, and the
                                            net asset values and other per share information for periods between April 3, 2017 and November
                                            18, 2019 have been revised to reflect the share conversion ratio from the later reorganization
                                            of 1.039518. </TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 8pt 0pt 12pt"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 0.25in"> <SUP>(2)</SUP> </TD><TD STYLE="text-align: justify"> Calculated using average shares
                                            outstanding. </TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 0.25in"> <SUP>(3)</SUP> </TD><TD STYLE="text-align: justify"> Amount is less than $0.005
                                            per share. </TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 0.25in"> <SUP>(4)</SUP> </TD><TD STYLE="text-align: justify"> Closing Price &ndash; New
                                            York Stock Exchange. </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; text-align: center; margin-top: 0pt; margin-bottom: 0pt"> See 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"></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; text-align: center; margin-top: 0pt; margin-bottom: 0pt"> <B>VIRTUS TOTAL RETURN
FUND INC.</B> </P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"> <B>SELECTED PER SHARE
DATA AND RATIOS FOR A SHARE OUTSTANDING</B> </P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"> <B>THROUGHOUT EACH PERIOD</B> </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; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 0.25in"> <SUP>(5)</SUP> </TD><TD> Total return on market value is calculated assuming a
                                            purchase of common shares on the opening of the first day and sale on the closing of the
                                            last day of each period reported. Dividends and distributions are assumed, for purposes of
                                            this calculation, to be reinvested at prices obtained under the Fund&rsquo;s Automatic Reinvestment
                                            and Cash Purchase Plan. Total return on market value is not annualized for periods of less
                                            than one year. Brokerage commissions that a shareholder may pay are not reflected. Total
                                            return on market value does not reflect the deduction of taxes that a shareholder may pay
                                            on fund distributions or the sale of fund shares. Total return on net asset value uses the
                                            same methodology, but with use of net asset value for the beginning and ending values. </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; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 0.25in"> <SUP>(6)</SUP> </TD><TD STYLE="text-align: justify; padding-right: 12pt"> Ratio
                                            of total expenses, before interest expense on the line of credit, was 1.34%, 1.38%, 1.79%,
                                            1.63% and 1.92% for the years ended November 30, 2021, 2020, 2019, 2018 and 2017, respectively. </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; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 0.25in"> <SUP>(7)</SUP> </TD><TD STYLE="padding-right: 9pt"> The Fund incurred certain non-recurring
                                            merger costs in 2019. When excluding these costs, the ratio of total expenses after interest
                                            expense and before expense waivers to average net assets would be 2.83%, the ratio of net
                                            expenses to average net assets would be 2.83% and the ratio of net investment income (loss)
                                            to average net assets would be 2.36%. </TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 0.25in"> <SUP>(8)</SUP> </TD><TD STYLE="padding-right: 2pt"> The Fund incurred certain non-recurring
                                            merger and tender offer costs in 2017. When excluding these costs, the ratio of total expenses
                                            after interest expense and before expense waivers and earnings credits to average net assets
                                            would be 2.41%, the ratio of net expenses to average net assets would be 2.34% and the ratio
                                            of net investment income (loss) to average net assets would be 3.07%. </TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 0.25in"> <SUP>(9)</SUP> </TD><TD STYLE="text-align: justify; padding-right: 34pt"> Portfolio
                                            turnover increased due to repositioning of the portfolio related to the reorganization on
                                            November 18, 2019. </TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 0.25in"> <SUP>(10)</SUP> </TD><TD STYLE="text-align: justify; padding-right: 10pt"> Represents
                                            value of net assets plus the borrowings at the end of the period divided by the borrowings
                                            at the end of the period multiplied by $1,000. </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; text-align: center; margin-top: 0pt; margin-bottom: 0pt"> See 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"></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;&nbsp; </P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"> (Selected per share data
and ratios for a share outstanding throughout each period) </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; border-collapse: collapse; width: 100%">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt"> &nbsp; </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"> &nbsp; </TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center"> Year&nbsp;Ended<BR>
    November&nbsp;30,&nbsp;2017<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>(8)</SUP></FONT> </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"> &nbsp; </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"> &nbsp; </TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center"> Year&nbsp;Ended<BR>
    November&nbsp;30,&nbsp;2016<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>(8)</SUP></FONT> </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"> &nbsp; </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"> &nbsp; </TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center"> Fiscal<BR>
    Period&nbsp;Ended<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>(7)</SUP></FONT><BR>
    November&nbsp;30,&nbsp;2015<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>(8)</SUP></FONT> </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"> &nbsp; </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"> &nbsp; </TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center"> Year&nbsp;Ended<BR>
    December&nbsp;31,&nbsp;2014<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>(8)</SUP></FONT> </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: bold 10pt Times New Roman, Times, Serif; text-indent: -0.125in; padding-left: 0.125in"> PER&nbsp;SHARE&nbsp;OPERATING&nbsp;DATA: </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt; text-align: right"> &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; text-indent: -0.125in; padding-left: 0.125in; width: 30%; padding-bottom: 1pt"> Net
    Asset Value, Beginning of Period </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left"> $ </TD><TD STYLE="border-bottom: Black 1pt solid; width: 13%; font: 10pt Times New Roman, Times, Serif; text-align: right"> 11.78 </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 4%; padding-bottom: 1pt; text-align: left"> &nbsp; </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left"> $ </TD><TD STYLE="border-bottom: Black 1pt solid; width: 13%; font: 10pt Times New Roman, Times, Serif; text-align: right"> 11.76 </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; padding-bottom: 1pt; text-align: left"> &nbsp; </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left"> $ </TD><TD STYLE="border-bottom: Black 1pt solid; width: 13%; font: 10pt Times New Roman, Times, Serif; text-align: right"> 12.99 </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 4%; padding-bottom: 1pt; text-align: left"> &nbsp; </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left"> $ </TD><TD STYLE="border-bottom: Black 1pt solid; width: 13%; font: 10pt Times New Roman, Times, Serif; text-align: right"> 12.37 </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; padding-bottom: 1pt; text-align: left"> &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-indent: -0.125in; padding-left: 0.125in; text-align: left"> &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><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><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><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: bold 10pt Times New Roman, Times, Serif; text-indent: -0.125in; padding-left: 0.125in; text-align: left"> Income
    from investment operations: </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><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><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><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-indent: -0.125in; padding-left: 0.125in; text-align: left"> Net Investment
    Income/(Loss)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><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"> 0.29 </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"> 0.41 </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"> 0.46 </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"> 0.82 </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-indent: -0.125in; padding-left: 0.125in; text-align: left; padding-bottom: 1pt"> Net
    Realized and Unrealized Gain/(Loss) </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"> 2.25 </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt; text-align: left"> &nbsp; </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"> 0.63 </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt; text-align: left"> &nbsp; </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"> (0.67 </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt; text-align: left"> ) </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"> 0.72 </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt; 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-indent: -0.125in; padding-left: 0.125in; text-align: left; padding-bottom: 1pt"> Total
    from investment operations </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"> 2.54 </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt; text-align: left"> &nbsp; </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"> 1.04 </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt; text-align: left"> &nbsp; </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"> (0.21 </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt; text-align: left"> ) </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"> 1.54 </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-indent: -0.125in; padding-left: 0.125in; text-align: left"> &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><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><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><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: bold 10pt Times New Roman, Times, Serif; text-indent: -0.125in; padding-left: 0.125in; text-align: left"> Dividends
    and/or Distributions to Shareholders: </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><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><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><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; text-indent: -0.125in; padding-left: 0.125in; text-align: left"> Dividends
    from Net Investment Income </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><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"> (1.02 </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"> &nbsp; </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"> (1.02 </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"> &nbsp; </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"> (0.92 </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-indent: -0.125in; padding-left: 0.125in; text-align: left; padding-bottom: 1pt"> Distributions
    from net realized gains </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"> (0.58 </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt; text-align: left"> ) </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"> &mdash; </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt; text-align: left"> &nbsp; </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"> &mdash; </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt; text-align: left"> &nbsp; </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"> &mdash; </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: -0.125in; padding-left: 0.125in; text-align: left; padding-bottom: 1pt"> Total
    Dividends and Distributions to Shareholders </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"> (0.92 </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt; text-align: left"> ) </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"> (1.02 </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt; text-align: left"> ) </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"> (1.02 </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt; text-align: left"> ) </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"> (0.92 </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt; text-align: left"> ) </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-indent: -0.125in; padding-left: 0.125in"> &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><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><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><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: bold 10pt Times New Roman, Times, Serif; text-indent: -0.125in; padding-left: 0.125in"> Fund Share Transactions
    (Note 10) </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><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><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><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-indent: -0.125in; padding-left: 0.125in; text-align: left; padding-bottom: 1pt"> Anti-Dilutive
    impact of tender offers </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"> 0.05 </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt; text-align: left"> &nbsp; </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"> &mdash; </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt; text-align: left"> &nbsp; </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"> &mdash; </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt; text-align: left"> &nbsp; </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"> &mdash; </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: -0.125in; padding-left: 0.125in; padding-bottom: 2.5pt"> Net
    Asset Value, End of Period </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 2.5pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: left"> $ </TD><TD STYLE="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: right"> 13.45 </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 2.5pt; text-align: left"> &nbsp; </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 2.5pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: left"> $ </TD><TD STYLE="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: right"> 11.78 </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 2.5pt; text-align: left"> &nbsp; </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 2.5pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: left"> $ </TD><TD STYLE="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: right"> 11.76 </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 2.5pt; text-align: left"> &nbsp; </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 2.5pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: left"> $ </TD><TD STYLE="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: right"> 12.99 </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 2.5pt; 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-indent: -0.125in; padding-left: 0.125in; padding-bottom: 2.5pt"> Market
    Price, End of Period<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>(2)</SUP></FONT> </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 2.5pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: left"> $ </TD><TD STYLE="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: right"> 12.82 </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 2.5pt; text-align: left"> &nbsp; </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 2.5pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: left"> $ </TD><TD STYLE="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: right"> 11.17 </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 2.5pt; text-align: left"> &nbsp; </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 2.5pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: left"> $ </TD><TD STYLE="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: right"> 9.87 </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 2.5pt; text-align: left"> &nbsp; </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 2.5pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: left"> $ </TD><TD STYLE="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: right"> 11.55 </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 2.5pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: -0.125in; padding-left: 0.125in; text-align: left"> Total Return,
    Net Asset Value<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>(3)</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"> 26.37 </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> %<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>(10)</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"> 10.09 </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"> &nbsp; </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"> (0.92 </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> )%<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>(5)</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"> 13.59 </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-indent: -0.125in; padding-left: 0.125in; text-align: left"> Total Return,
    Market Value<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>(3)</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"> 27.06 </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"> &nbsp; </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"> 24.37 </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"> &nbsp; </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"> (6.56 </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> )%<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>(5)</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"> 21.98 </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-indent: -0.125in; padding-left: 0.125in"> Net Assets, End of Period (000&rsquo;s) </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"> 289,580 </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"> 126,508 </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"> 126,454 </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"> 139,630 </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: bold 10pt Times New Roman, Times, Serif; text-indent: -0.125in; padding-left: 0.125in; text-align: left"> &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><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><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><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: bold 10pt Times New Roman, Times, Serif; text-indent: -0.125in; padding-left: 0.125in; text-align: left"> RATIOS/SUPPLEMENTAL
    DATA: </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><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><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><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-indent: -0.125in; padding-left: 0.125in; text-align: left"> Ratio of
    Total Expenses after interest expense and before expense waivers and earnings credits to Average Net Assets<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>(4)</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"> 2.62 </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> %<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>(9)</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"> 2.33 </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"> &nbsp; </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"> 1.97 </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> %<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>(6)</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"> 1.93 </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-indent: -0.125in; padding-left: 0.125in; text-align: left"> Ratio of
    Net Expenses to Average Net Assets<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>(4)</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"> 2.55 </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> %<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>(9)</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"> 2.33 </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"> &nbsp; </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"> 1.97 </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> %<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>(6)</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"> 1.93 </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-indent: -0.125in; padding-left: 0.125in; text-align: left"> Ratio of
    Net Investment Income/ (Loss) to Average Net Assets </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"> 2.86 </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> %<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>(9)</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"> 3.44 </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"> &nbsp; </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"> 3.90 </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> %<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>(6)</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"> 6.31 </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-indent: -0.125in; padding-left: 0.125in; text-align: left"> Portfolio
    Turnover Rate </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"> 61 </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"> &nbsp; </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"> 60 </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"> &nbsp; </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"> 32 </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> %<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>(5)</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"> 33 </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: bold 10pt Times New Roman, Times, Serif; text-indent: -0.125in; padding-left: 0.125in; text-align: left"> &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><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><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><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: bold 10pt Times New Roman, Times, Serif; text-indent: -0.125in; padding-left: 0.125in; text-align: left"> Bank
    Borrowings: </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><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><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><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-indent: -0.125in; padding-left: 0.125in"> Loan Outstanding, End of Period
    (000&rsquo;s) </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"> 105,000 </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"> 47,000 </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"> 43,500 </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"> 50,500 </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-indent: -0.125in; padding-left: 0.125in; text-align: left"> Asset Coverage
    for Loan Outstanding, End of Period </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"> 376 </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"> &nbsp; </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"> 369 </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"> &nbsp; </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"> 389 </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"> &nbsp; </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"> 377 </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> % </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="vertical-align: top; width: 0.25in; text-align: left"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>(1)</SUP></FONT> </TD><TD> Calculated
                                            based on average shares outstanding. </TD></TR></TABLE>

<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="vertical-align: top; width: 0.25in; text-align: left"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>(2)</SUP></FONT> </TD><TD> Closing
                                            Price &ndash; New York Stock Exchange. </TD></TR></TABLE>

<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="vertical-align: top; width: 0.25in; text-align: left"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>(3)</SUP></FONT> </TD><TD> Total
                                            Return on Market Value is calculated assuming a purchase of common shares of the opening
                                            of the first day and sale on the closing of the last day of each period reported. Dividends
                                            and distributions are assumed, for purposes of this calculation, to be reinvested at prices
                                            obtained under the Fund&rsquo;s Automatic Reinvestment and Cash Purchase Plan. Total Return
                                            on Market Value is not annualized for periods of less than one year. Brokerage commissions
                                            that a shareholder may pay are not reflected. Total Return on Market Value does not reflect
                                            the deduction of taxes that a shareholder may pay on fund distributions or the sale of fund
                                            shares. Total Return on NAV uses the same methodology, but with use of net asset value for
                                            beginning, ending and reinvestment values. </TD></TR></TABLE>

<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"> See Notes to Financial
Statements </P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"> (Selected per share data and ratios for a share
outstanding throughout each period) </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">&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> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD COLSPAN="10" STYLE="border-bottom: black 1pt solid; text-align: center"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Year
    Ended December&nbsp;31</FONT> </TD>
    <TD> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD> &nbsp; </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">2013<SUP>(8)</SUP></FONT> </TD>
    <TD> &nbsp; </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">2012<SUP>(8)</SUP></FONT> </TD>
    <TD> &nbsp; </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">2011<SUP>(8)</SUP></FONT> </TD>
    <TD STYLE="text-align: center"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: #CCEEFF">
    <TD STYLE="padding-left: 10.1pt; text-indent: -10.1pt"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>PER
    SHARE OPERATING DATA:</B></FONT> </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD COLSPAN="2"> &nbsp; </TD>
    <TD> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD STYLE="width: 61%; padding-left: 10.1pt; text-indent: -10.1pt"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Net
    Asset Value, Beginning of Period</FONT> </TD>
    <TD STYLE="width: 1%"> &nbsp; </TD>
    <TD STYLE="border-bottom: black 1pt solid; width: 1%"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT> </TD>
    <TD STYLE="border-bottom: black 1pt solid; width: 10%; text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11.32</FONT> </TD>
    <TD STYLE="width: 1%"> &nbsp; </TD>
    <TD STYLE="width: 1%"> &nbsp; </TD>
    <TD STYLE="border-bottom: black 1pt solid; width: 1%"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT> </TD>
    <TD STYLE="border-bottom: black 1pt solid; width: 10%; text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10.38</FONT> </TD>
    <TD STYLE="width: 1%"> &nbsp; </TD>
    <TD STYLE="width: 1%"> &nbsp; </TD>
    <TD STYLE="border-bottom: black 1pt solid; width: 1%; text-align: left"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT> </TD>
    <TD STYLE="border-bottom: black 1pt solid; width: 10%; text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10.12</FONT> </TD>
    <TD STYLE="width: 1%"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: #CCEEFF">
    <TD STYLE="padding-left: 10.1pt; text-indent: -10.1pt"> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD COLSPAN="2"> &nbsp; </TD>
    <TD> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD STYLE="padding-left: 10.1pt; text-indent: -10.1pt"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Income
    from investment operations:</B></FONT> </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD COLSPAN="2" STYLE="text-align: right"> &nbsp; </TD>
    <TD> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: #CCEEFF">
    <TD STYLE="padding-left: 10.1pt; text-indent: -10.1pt"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Net
    Investment Income/(Loss)<SUP>(1)</SUP></FONT> </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.51</FONT> </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.48</FONT> </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD COLSPAN="2" STYLE="text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.46</FONT> </TD>
    <TD> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD STYLE="padding-left: 10.1pt; text-indent: -10.1pt"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Net
    Realized and Unrealized Gain/(Loss)</FONT> </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="border-bottom: black 1pt solid"> &nbsp; </TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.08</FONT> </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="border-bottom: black 1pt solid"> &nbsp; </TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.05</FONT> </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.18</FONT> </TD>
    <TD> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: #CCEEFF">
    <TD STYLE="padding-left: 10.1pt; text-indent: -10.1pt"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total
    from investment operations</FONT> </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="border-bottom: black 1pt solid"> &nbsp; </TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.59</FONT> </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="border-bottom: black 1pt solid"> &nbsp; </TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.53</FONT> </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.64</FONT> </TD>
    <TD> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD STYLE="padding-left: 10.1pt; text-indent: -10.1pt"> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD COLSPAN="2" STYLE="text-align: right"> &nbsp; </TD>
    <TD> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: #CCEEFF">
    <TD STYLE="padding-left: 10.1pt; text-indent: -10.1pt"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Dividends
    and/or Distributions to Shareholders:</B></FONT> </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: left"> &nbsp; </TD>
    <TD STYLE="text-align: right"> &nbsp; </TD>
    <TD> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD STYLE="padding-bottom: 1pt; padding-left: 10.1pt; text-indent: -10.1pt"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Dividends
    from Net Investment Income</FONT> </TD>
    <TD STYLE="padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(0.54</FONT> </TD>
    <TD STYLE="padding-bottom: 1pt"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</FONT> </TD>
    <TD STYLE="padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(0.59</FONT> </TD>
    <TD STYLE="padding-bottom: 1pt"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</FONT> </TD>
    <TD STYLE="padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: left"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(0.38</FONT> </TD>
    <TD STYLE="padding-bottom: 1pt"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</FONT> </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: #CCEEFF">
    <TD STYLE="padding-bottom: 1pt; padding-left: 10.1pt; text-indent: -10.1pt"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total
    Dividends and Distributions to Shareholders</FONT> </TD>
    <TD STYLE="padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(0.54</FONT> </TD>
    <TD STYLE="padding-bottom: 1pt"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</FONT> </TD>
    <TD STYLE="padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(0.59</FONT> </TD>
    <TD STYLE="padding-bottom: 1pt"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</FONT> </TD>
    <TD STYLE="padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: left"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(0.38</FONT> </TD>
    <TD STYLE="padding-bottom: 1pt"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</FONT> </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD STYLE="padding-bottom: 2.5pt; padding-left: 10.1pt; text-indent: -10.1pt"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Net
    Asset Value, End of Period</FONT> </TD>
    <TD STYLE="padding-bottom: 2.5pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 2.5pt double"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT> </TD>
    <TD STYLE="border-bottom: Black 2.5pt double; text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">12.37</FONT> </TD>
    <TD STYLE="padding-bottom: 2.5pt"> &nbsp; </TD>
    <TD STYLE="padding-bottom: 2.5pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 2.5pt double"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT> </TD>
    <TD STYLE="border-bottom: Black 2.5pt double; text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11.32</FONT> </TD>
    <TD STYLE="padding-bottom: 2.5pt"> &nbsp; </TD>
    <TD STYLE="padding-bottom: 2.5pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 2.5pt double; text-align: left"> $ </TD>
    <TD STYLE="border-bottom: Black 2.5pt double; text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10.38</FONT> </TD>
    <TD STYLE="padding-bottom: 2.5pt"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: #CCEEFF">
    <TD STYLE="padding-bottom: 2.5pt; padding-left: 10.1pt; text-indent: -10.1pt"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Market
    Price, End of Period<SUP>(2)</SUP></FONT> </TD>
    <TD STYLE="padding-bottom: 2.5pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 2.5pt double"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT> </TD>
    <TD STYLE="border-bottom: Black 2.5pt double; text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10.25</FONT> </TD>
    <TD STYLE="padding-bottom: 2.5pt"> &nbsp; </TD>
    <TD STYLE="padding-bottom: 2.5pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 2.5pt double"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT> </TD>
    <TD STYLE="border-bottom: Black 2.5pt double; text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9.89</FONT> </TD>
    <TD STYLE="padding-bottom: 2.5pt"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;</FONT> </TD>
    <TD STYLE="padding-bottom: 2.5pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 2.5pt double; text-align: left"> $ </TD>
    <TD STYLE="border-bottom: Black 2.5pt double; text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8.95</FONT> </TD>
    <TD STYLE="padding-bottom: 2.5pt"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD STYLE="padding-left: 10.1pt; text-indent: -10.1pt"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total
    Return, Net Asset Value<SUP>(3)</SUP></FONT> </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">15.02</FONT> </TD>
    <TD> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">%</FONT> </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">16.05</FONT> </TD>
    <TD> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">%</FONT> </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: left"> &nbsp; </TD>
    <TD STYLE="text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6.73</FONT> </TD>
    <TD> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">%</FONT> </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: #CCEEFF">
    <TD STYLE="padding-left: 10.1pt; text-indent: -10.1pt"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total
    Return, Market Value<SUP>(3)</SUP></FONT> </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9.08</FONT> </TD>
    <TD> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">%</FONT> </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">17.60</FONT> </TD>
    <TD> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">%</FONT> </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: left"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT> </TD>
    <TD STYLE="text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5.61</FONT> </TD>
    <TD> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">%</FONT> </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD STYLE="padding-left: 10.1pt; text-indent: -10.1pt"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Net
    Assets, End of Period (000&rsquo;s)</FONT> </TD>
    <TD> &nbsp; </TD>
    <TD> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT> </TD>
    <TD STYLE="text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">132,857</FONT> </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT> </TD>
    <TD STYLE="text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">121,681</FONT> </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: left"> $ </TD>
    <TD STYLE="text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">111,490</FONT> </TD>
    <TD STYLE="text-align: right"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: #CCEEFF">
    <TD STYLE="padding-left: 10.1pt; text-indent: -10.1pt"> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD COLSPAN="2" STYLE="text-align: right"> &nbsp; </TD>
    <TD> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD STYLE="padding-left: 10.1pt; text-indent: -10.1pt"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>RATIOS/SUPPLEMENTAL
    DATA:</B></FONT> </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD COLSPAN="2" STYLE="text-align: right"> &nbsp; </TD>
    <TD> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: #CCEEFF">
    <TD STYLE="padding-left: 10.1pt; text-indent: -10.1pt"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Ratio
    of Total Expenses After Interest Expense to Average Net Assets<SUP>(4)</SUP></FONT> </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2.01</FONT> </TD>
    <TD> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">%</FONT> </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.99</FONT> </TD>
    <TD> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">%</FONT> </TD>
    <TD> &nbsp; </TD>
    <TD COLSPAN="2" STYLE="text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.38</FONT> </TD>
    <TD> % </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD STYLE="padding-left: 10.1pt; text-indent: -10.1pt"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Ratio
    of Net Expenses to Average Net Assets<SUP>(4)</SUP></FONT> </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2.01</FONT> </TD>
    <TD> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">%</FONT> </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.99</FONT> </TD>
    <TD> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">%</FONT> </TD>
    <TD> &nbsp; </TD>
    <TD COLSPAN="2" STYLE="text-align: right"> 1.38 </TD>
    <TD> % </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: #CCEEFF">
    <TD STYLE="padding-left: 10.1pt; text-indent: -10.1pt"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Ratio
    of Net Investment Income/(Loss) to Average Net Assets</FONT> </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4.42</FONT> </TD>
    <TD> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">%</FONT> </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4.51</FONT> </TD>
    <TD> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">%</FONT> </TD>
    <TD> &nbsp; </TD>
    <TD COLSPAN="2" STYLE="text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4.42</FONT> </TD>
    <TD> % </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD STYLE="padding-left: 10.1pt; text-indent: -10.1pt"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Portfolio
    Turnover Rate</FONT> </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">42</FONT> </TD>
    <TD> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">%</FONT> </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">43</FONT> </TD>
    <TD> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">%</FONT> </TD>
    <TD> &nbsp; </TD>
    <TD COLSPAN="2" STYLE="text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">138</FONT> </TD>
    <TD> % </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: #CCEEFF">
    <TD STYLE="padding-left: 10.1pt; text-indent: -10.1pt"> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD COLSPAN="2" STYLE="text-align: right"> &nbsp; </TD>
    <TD> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD STYLE="padding-left: 10.1pt; text-indent: -10.1pt"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Bank
    Borrowings:</B></FONT> </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD COLSPAN="2" STYLE="text-align: right"> &nbsp; </TD>
    <TD> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: #CCEEFF">
    <TD STYLE="padding-left: 10.1pt; text-indent: -10.1pt"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loan
    Outstanding, End of Period (000&rsquo;s)</FONT> </TD>
    <TD> &nbsp; </TD>
    <TD> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT> </TD>
    <TD STYLE="text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">50,500</FONT> </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT> </TD>
    <TD STYLE="text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">42,500</FONT> </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD COLSPAN="2" STYLE="text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">N/A</FONT> </TD>
    <TD> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD STYLE="padding-left: 10.1pt; text-indent: -10.1pt"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Asset
    Coverage for Loan Outstanding, End of Period</FONT> </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">360</FONT> </TD>
    <TD> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">%</FONT> </TD>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">386</FONT> </TD>
    <TD> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">%</FONT> </TD>
    <TD> &nbsp; </TD>
    <TD COLSPAN="2" STYLE="text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">N/A</FONT> </TD>
    <TD> &nbsp; </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; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="vertical-align: top; width: 0.25in; text-align: left"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>(4)</SUP></FONT> </TD><TD> Ratio
                                            of total expenses, before interest expense on the line of credit, was 1.92% for the year
                                            ended November&nbsp;30, 2017 and 1.87% for the year ended November&nbsp;30, 2016, 1.61% for
                                            the fiscal period ended November&nbsp;30, 2015, and 1.58%, 1.62% and 1.61%, for the periods
                                            ending December&nbsp;31, 2014, 2013, and 2012, respectively. </TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="vertical-align: top; width: 0.25in; text-align: left"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>(5)</SUP></FONT> </TD><TD> Not
                                            Annualized. </TD></TR></TABLE>

<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="vertical-align: top; width: 0.25in; text-align: left"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>(6)</SUP></FONT> </TD><TD> Annualized. </TD></TR></TABLE>

<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="vertical-align: top; width: 0.25in; text-align: left"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>(7)</SUP></FONT> </TD><TD> During
                                            the period the Fund changed its fiscal year end from December&nbsp;31 to November&nbsp;30. </TD></TR></TABLE>

<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="vertical-align: top; width: 0.25in; text-align: left"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>(8)</SUP></FONT> </TD><TD> On
                                            April&nbsp;3, 2017, Virtus Total Return Fund (DCA) was reorganized into the Fund (f/k/a The
                                            Zweig Fund,&nbsp;Inc.). The activity in the table presented above is for the accounting survivor,
                                            Virtus Total Return Fund (DCA), for the periods prior to the date of the reorganization and
                                            for the post-reorganization fund thereafter. The net asset values and other per share information
                                            have been restated for periods prior to the reorganization to reflect the share conversion
                                            ratio of 0.391206. See Note 13 Plan of Reorganization in the Notes to Financial Statements. </TD></TR></TABLE>

<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="vertical-align: top; width: 0.25in; text-align: left"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>(9)</SUP></FONT> </TD><TD> The
                                            Fund incurred certain non-recurring merger and tender offer costs in 2017. When excluding
                                            these costs, the Ratio of Total Expenses after interest expense and before expense waivers
                                            and earnings credits to Average Net Assets would be 2.41%, the Ratio of Net Expenses to Average
                                            Net Assets would be 2.34% and the Ratio of Net Investment Income / (Loss) to Average Net
                                            Assets would be 3.07%. </TD></TR></TABLE>

<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="vertical-align: top; width: 0.25in; text-align: left"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>(10)</SUP></FONT> </TD><TD> Total
                                            Return, Net Asset Value, for the report period presented in the Financial Highlights differs
                                            from the Message to Shareholders. The total return presented in the Message to Shareholders
                                            is calculated based on the NAV calculated on the first business day and last business day
                                            of the period reported. The total return presented within the Financial Highlights section
                                            of the report is calculated in the same manner, but also takes into account certain adjustments
                                            that are necessary under generally accepted accounting principles required in the annual
                                            report and semi-annual report. </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"> See Notes to Financial Statements </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;</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 16,500,000 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 4,125,000 Shares, for an aggregate total of 20,625,000 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, would otherwise receive fewer than three
Rights will receive three Rights in order to 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
4,125,000 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;1, 2022 and &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;,
2022, was $8.74 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 $9.18 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. Brokers may apply an earlier cutoff time, so shareholders that hold their shares through brokers should contact their brokers about
the applicable end of the offering period. 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 submit 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, would otherwise receive fewer than three Rights will receive
three Rights in order to 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 broker, bank or trust company's 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 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;&nbsp;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"> 866-431-2108 </P>

<P STYLE="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
$55,000, 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. </P>

<P STYLE="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"> <B>DELIVERY TO AN ADDRESS OTHER THAN ONE OF THE ADDRESSES 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"> 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. Brokers, banks and trust companies may apply an earlier cutoff time, so shareholders that hold their
shares through such agents should contact their agents about the applicable end of the offering period. The Subscription Agent will deposit
all monies received by it prior to the final payment date into a segregated 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"> 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
and (ii)&nbsp;the number of Shares, if any, acquired pursuant to the Over-Subscription Privilege. 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>

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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"> Issuance and delivery of certificates for the Shares purchased
are subject to collection of checks and actual 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"><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"> Offering documents, including Subscription Certificates, will not
be mailed to Record Date Shareholders whose addresses are outside the United States (for these purposes, the United States includes its
territories and possessions and the District of Columbia) (the &ldquo;Foreign Shareholders&rdquo;) if such mailing cannot be made into
the non-U.S. jurisdiction without additional registration and incurring other expense that the Board has determined is not in the best
interest of the Fund and its shareholders. In such cases, unless determined to be not in the best interest of the Fund and its shareholders
in accordance with the previous sentence, Foreign Shareholders will receive written notice of the Offer, but 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 4,125,000 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 Fund 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. The Fund also 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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    <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"></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 Virtus Fixed Income Advisers,
LLC, operating through its division 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"> 9.76 </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"> 9.25 </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"> 5.51 </TD><TD STYLE="font-size: 10pt; 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"> 8.82 </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"> 8.54 </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"> 3.28 </TD><TD STYLE="font-size: 10pt; text-align: left"> % </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">
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    <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.</P>

<P STYLE="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</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 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. 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 Newfleet believes that the risk of loss of income and principal may be reduced substantially with only
a relatively small reduction in 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">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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<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>Principal Investment Strategies/Restrictions</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"> 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. </P>

<P STYLE="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>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>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"> <B><I>&nbsp;</I></B> </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>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, margin financing,
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"></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>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"> <B><I>&nbsp;</I></B> </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"> <B><I>Reverse 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"> 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>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"> <B>Additional Investment Strategies</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><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. </P>

<P STYLE="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"> <B><I>&nbsp;</I></B> </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>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>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 Funds execute a foreign security transaction,
the Funds 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>Interest Rate Hedging Transactions</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 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"></P>

<P STYLE="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>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 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"><B><I>&nbsp;</I></B></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) 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) 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>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 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>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 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"><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>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>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"> 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, and the Fund may not achieve its investment objective when it takes such temporary defensive position. </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">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"> <B><A NAME="RISKFACTORSANDSPECIALCONSIDERATIONS"></A>PRINCIPAL
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"></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"> <B>Emerging Market Risk.</B> The risks of
foreign investments are generally greater in countries whose markets are still developing than they are in more developed markets. Emerging
market countries typically have economic and political systems that are less fully developed, and can be expected to be less stable than
those of more developed countries. For example, the economies of such countries can be subject to rapid and unpredictable rates of inflation
or deflation. Since these markets are often small, they may be more likely to suffer sharp and frequent price changes or long-term price
depression because of adverse publicity, investor perceptions or the actions of a few large investors. They may also have policies that
restrict investment by foreigners, or that prevent foreign investors from withdrawing their money at will. Certain emerging markets may
also face other significant internal or external risks, including the risk of war and civil unrest. For all of these reasons, investments
in emerging markets may be considered speculative. To the extent that a fund invests a significant portion of its assets in a particular
emerging market, the fund will be more vulnerable to financial, economic, political and other developments in that country, and conditions
that negatively impact that country will have a greater impact on the fund as compared with a fund that does not have its holdings concentrated
in a particular 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; 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>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"> <B>Large Market Capitalization Companies Risk.
</B>The value of investments in larger companies may not rise as much as investments in smaller companies, and larger companies may be
unable to respond quickly to competitive challenges, such as changes in technology and consumer tastes. </P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"> <B>Small and Medium Market Capitalization
Companies Risk.</B> Small and medium-sized companies often have narrower markets, fewer products or services to offer, and more limited
managerial and financial resources than larger, more established companies. As a result, the performance of small and medium-sized companies
may be more volatile, and they may face a greater risk of business failure, which could increase the volatility and risk of loss 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"><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-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; text-indent: 0.25in"> <B>Utilities Industry Risk.</B> Public utility
companies are subject to intrinsic risks, including difficulty in obtaining an adequate return on invested capital, difficulty in financing
large construction programs during an inflationary period, restrictions on operations and increased costs and delays attributable to
environmental considerations and regulation, difficulty in raising capital in adequate amounts on reasonable terms in periods of high
inflation and unsettled capital markets, technological innovations that may render existing plants, equipment or products obsolete, the
potential impact of natural or man-made disasters, increased costs and reduced availability of certain types of fuel, occasional reduced
availability and high costs of natural gas and other fuels, the effects of energy conservation, the effects of a national energy policy
and lengthy delays and greatly increased costs and other problems associated with the design, construction, licensing, regulation and
operation of nuclear facilities for electric generation, including, among other considerations, the problems associated with the use
of radioactive materials, the disposal of radioactive wastes, shutdown of facilities or release of radiation resulting from catastrophic
events, disallowance of costs by regulators which may reduce profitability, and changes in market structure that increase competition.
There are substantial differences among the regulatory practices and policies of various jurisdictions, and any given regulatory agency
may make major shifts in policy 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"></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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<P STYLE="font: 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"> <B>Risk Connected with Return of Capital Distributions.
</B>In some years the Fund has made distributions to shareholders that significantly exceeded the Fund&rsquo;s earnings and profits.
In such event, when 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. 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; text-indent: 0.25in"> When the Fund distributes amounts in excess
of its net investment income and net realized capital gains, such distributions also 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"></P>

<P STYLE="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;&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"> Virtus Fixed Income Advisers, LLC, an affiliate of VIA and
also an indirect, wholly-owned subsidiary of Virtus, is located at One Financial Plaza, Hartford, CT 06103. VFIA operates through
its division Newfleet Asset Management ("Newfleet") as subadviser to the fixed income portfolio of the Fund. As of May 31, 2022, the
three advisers that merged into VFIA on July 1, 2022 had approximately $37.1 billion in aggregate assets under management. </P>

<P STYLE="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 Newfleet division of VFIA acts as subadviser to mutual funds
and as adviser to institutions and individuals. As of May 31, 2022, the Newfleet division of VFIA had approximately $8.9 billion in assets
under management. Newfleet Asset Management, LLC, which merged with and into VFIA on July 1, 2022, and the former portfolio management
team of which now operates as the Newfleet division of VFIA, had 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"> The Fund is managed by a portfolio manager from each Subadviser
who manages the portion of the investment portfolio allocated to that Subadviser by the Adviser. 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
Asset Management, a division of Virtus Fixed Income Advisers, LLC. 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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    <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">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"></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>Additional Risks Associated with Investment Techniques and Fund
Operations</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: 0.35in"> In addition to the Principal Investment Strategies
and the risk factors described above, the Fund may engage in additional investment techniques that present additional risks to the Fund.
Those additional investment techniques in which the Fund may engage and their risks are indicated below, although other techniques may
be utilized from time to time. Many of the additional investment techniques that the Fund may use, as well as other investment techniques
that are relied upon to a lesser degree, are more fully described 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; text-indent: 0.35in"> <FONT STYLE="font-family: Times New Roman, Times, Serif"><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 0.25in 0pt 0; text-indent: 0.35in"> &nbsp; </P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0.25in 0pt 0; text-indent: 0.35in"> <FONT STYLE="font-family: Times New Roman, Times, Serif">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, </FONT>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) the possibility that distributions from collateral securities will not be adequate to make
interest or other payments; (ii) the quality of the collateral may decline in value or default; (iii) the possibility that the CBOs,
CLOs and CDOs are subordinate to other classes; and (iv) 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 0.05in 0pt 0; text-indent: 0.35in"> &nbsp; </P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0.05in 0pt 0; text-indent: 0.35in"> 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 0.25in 0pt 0; text-indent: 0.35in"> &nbsp; </P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0.25in 0pt 0; text-indent: 0.35in"> <FONT STYLE="font-family: Times New Roman, Times, Serif"><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 0.25in 0pt 0; text-indent: 0.35in"> &nbsp; </P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0.25in 0pt 0; text-indent: 0.35in"> <FONT STYLE="font-family: Times New Roman, Times, Serif">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 0.05in 0pt 0; text-indent: 0.35in"> &nbsp; </P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0.05in 0pt 0; text-indent: 0.35in"> 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 0.05in 0pt 0; text-indent: 0.35in"> &nbsp; </P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0.05in 0pt 0; text-indent: 0.35in"> 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 0.05in 0pt 0; text-indent: 0.35in"> &nbsp; </P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0.05in 0pt 0; text-indent: 0.35in"> <FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Foreign
Currency Hedging Risk. </B></FONT>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; text-indent: 0.35in"> &nbsp; </P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.35in"> <FONT STYLE="font-family: Times New Roman, Times, Serif"><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; text-indent: 0.35in"> &nbsp; </P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.35in"> 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; text-indent: 0.35in"> &nbsp; </P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.35in"> 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-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 48,205,395 shares were outstanding as of June 30, 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 June 30, 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"> 48,205,395<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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<P STYLE="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"> <B>Indemnification and Limitation on 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 provide that no director
or officer shall have any liability to the Fund or its shareholders for damages, to the fullest extent that limitations on the liability
of directors and officers are permitted under Maryland corporate law. Such limitation on liability is intended to apply to any events
that may occur at the time a person serves as a director or officer of the Fund, even if such person is not a director or officer at
the time of any proceeding in which liability is asserted. However, no provision in the Fund&rsquo;s Articles of Incorporation that modifies,
restricts or eliminates the duties or liabilities of directors or officers in the Articles of Incorporation shall apply to, or in any
way limit, the duties (including state law fiduciary duties of loyalty and care) or liabilities of such persons with respect to matters
arising under 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; 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 for the last five years included in this Prospectus, have been so included in reliance on the report
of PricewaterhouseCoopers LLP, Philadelphia, Pennsylvania, 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="#f_001"><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="#f_001"><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">17</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">23</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">24</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">24</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">25</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">29</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">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">Distributions</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right; white-space: nowrap; vertical-align: bottom">46</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">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">Description
    of Common Stock</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right; white-space: nowrap; vertical-align: bottom">49</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">51</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">52</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">52</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">52</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">52</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">53</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"></P>

<P STYLE="font: 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>16,500,000 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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<P STYLE="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"></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 July 28,
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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<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 and all other shareholders should
call 866-431-2108. 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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<P STYLE="font: 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="#f_001"><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="#f_001"><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 Virtus Fixed Income Advisers, LLC
(&ldquo;VFIA&rdquo;), an affiliate of VIA and also an indirect, wholly-owned subsidiary of Virtus, operating through its division Newfleet Asset Management (&ldquo;Newfleet&rdquo; and
together with DPIM, the &ldquo;Subadvisers&rdquo;), 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="f_001"></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"> 106 <FONT STYLE="font-size: 10pt">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> Trustee (since 2022), Virtus Stone Harbor Emerging Markets Income Fund and Virtus Stone Harbor Emerging Markets Total Income
    Fund; <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Trustee (since 2022), PIMCO Access Income Fund;
    Trustee (since 2021), PIMCO Flexible Emerging Markets Income 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); 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 (61 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">110 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 2022) and Advisory Board Member (2021 to 2022), Virtus Alternative Solutions Trust (2 portfolios), Virtus Mutual Fund Family
(61 portfolios) and Virtus Variable Insurance Trust (8 portfolios); Trustee (since 2022), Virtus Stone Harbor Emerging
    Markets Income Fund and Virtus Stone Harbor Emerging Markets Total Income Fund; Trustee (since 2022), PIMCO Access Income Fund;
    Trustee (since 2021), PIMCO Flexible Emerging Markets Income Fund; Trustee (since 2022), PIMCO Access Income Fund; Trustee (since
    2021), PIMCO Flexible Emerging Markets Income Fund; 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 (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 Artificial Intelligence &amp; Technology Opportunities Fund, Virtus Convertible &amp; Income 2024 Target Term Fund, Virtus Convertible
 &amp; Income Fund, Virtus Convertible &amp; Income Fund II, Virtus Diversified Income &amp; Convertible Fund, Virtus Equity &amp; Convertible
Income Fund and Virtus Dividend, Interest &amp; Premium Strategy Fund; 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 Income Fund, PIMCO Global StocksPLUS&reg;&nbsp;&amp; Income Fund, PIMCO High Income 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; Trustee (since 2019), PIMCO Managed Accounts Trust (5 portfolios); and Trustee (2019 to 2021), PIMCO Dynamic Credit and
    Mortgage Income Fund and PIMCO Income Opportunity Fund.</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">110 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> Director, Cadre Holdings Inc. (since 2022); <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); and Trustee, Smith College (2017 to 2021). Formerly, Director, Watford Re (2017 to 2021); Co-Chair
    Special Projects Committee, Memorial Sloan Kettering (2005 to 2015); and Trustee, Stanford University (2010 to 2015).</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) and Advisory Board Member (2021 to 2022), Virtus Alternative Solutions Trust (2 portfolios), Virtus Mutual Fund Family
(61 portfolios) and Virtus Variable Insurance Trust (8 portfolios); Trustee (since 2022), Virtus Stone Harbor Emerging
    Markets Income Fund and Virtus Stone Harbor Emerging Markets Total Income Fund; Trustee (since 2022), PIMCO Access Income Fund; Director, Cadre
    Holdings Inc. (since 2022); Trustee (since 2021), PIMCO Flexible Emerging Markets Income Fund; 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
    (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
     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  Convertible&nbsp;&amp; Income 2024 Target Term
    Fund; Trustee (since 2015), Virtus  Diversified Income&nbsp;&amp; Convertible Fund; Trustee (since 2014), Virtus Investment
    Trust (13 portfolios); Trustee (2013 to 2021), 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 Strategy Fund, PIMCO Income Strategy Fund II,
    PIMCO Strategic Income Fund,&nbsp;Inc., and PIMCO Managed Accounts Trust (5 portfolios); Trustee (since 2011), Virtus
    Convertible&nbsp;&amp; Income Fund, Virtus  Convertible&nbsp;&amp; Income Fund II, Virtus  Equity&nbsp;&amp;
    Convertible Income Fund, and Virtus Dividend,&nbsp;Interest&nbsp;&amp; Premium Strategy Fund and Trustee (2011 to 2021), PIMCO
    Income Opportunity Fund.</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">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">110 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; and Director (since 2015), Texas and Southwestern Cattle Raisers Association. Formerly, Chairman, Oklahoma Nature
    Conservancy (2019 to 2020); 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%"> Trustee (since 2022) and Advisory Board Member (2021 to 2022), Virtus Alternative Solutions Trust (2
    portfolios), Virtus Mutual Fund Family (61 portfolios) and Virtus Variable Insurance Trust (8 portfolios); Trustee (since 2022),
    Virtus Stone Harbor Emerging Markets Income Fund and Virtus Stone Harbor Emerging Markets Total Income Fund; <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 (February&nbsp;2021 to June&nbsp;2021), Duff&nbsp;&amp; Phelps Select MLP and Midstream Energy
    Fund Inc.; Trustee (since 2019), Virtus Artificial Intelligence&nbsp;&amp; Technology Opportunities Fund; Trustee (since 2017),
    Virtus Convertible&nbsp;&amp; Income 2024 Target Term Fund; Trustee (since 2015), Virtus Convertible&nbsp;&amp; Income Fund, Virtus
    Convertible&nbsp;&amp; Income Fund II, Virtus Diversified Income&nbsp;&amp; Convertible Fund, Virtus
    Dividend,&nbsp;Interest&nbsp;&amp; Premium Strategy Fund and Virtus 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">103 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); Dean Emeritus (since
    2015), Professor (2015 to 2021 and 1997 to 2014), and 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 2022), Virtus Stone Harbor Emerging
    Markets Income Fund and Virtus Stone Harbor Emerging Markets Total Income 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);
    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 2019), Mutual Fund Directors Forum;
    Trustee (since 2017), Virtus Mutual Fund Family (61 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"> 103 <FONT STYLE="font-size: 10pt">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 2022), Virtus Stone Harbor Emerging
    Markets Income Fund and Virtus Stone Harbor Emerging Markets Total Income 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);
    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 (61
    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"> 103 <FONT STYLE="font-size: 10pt">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); and 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 2022), Virtus Stone Harbor Emerging
    Markets Income Fund and Virtus Stone Harbor Emerging Markets Total Income 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);
    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.;
    Chairperson (since 2019), Governance &amp; Nominating Committee, Global Payments Inc; Trustee (since 2017), Virtus Mutual Fund
    Family (61 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">113 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">Private investor since 2010.</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 2022), Virtus
    Stone Harbor Emerging Markets Income Fund and Virtus Stone Harbor Emerging Markets Total Income Fund; 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  Artificial Intelligence&nbsp;&amp; Technology Opportunities Fund, Virtus
    Convertible&nbsp;&amp; Income Fund II, Virtus  Diversified Income&nbsp;&amp; Convertible Fund, Virtus
    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  Convertible&nbsp;&amp; Income 2024 Target Term Fund and Virtus
    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 (61 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"> 106 <FONT STYLE="font-size: 10pt">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">Private investor (since
    2006); and Managing Director, U.S. Trust Company of New York (1982 to 2006).</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 Stone Harbor Emerging
    Markets Income Fund and Virtus Stone Harbor Emerging Markets Total Income 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);
    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 (61
    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">110 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">Venture and Operating Partner (since 2020), Plexo
    Capital, LLC; Venture Partner (since 2019) and Senior Adviser (2018 to 2019), Plexo, LLC; and Partner (since 2006), Global Infrastructure
    Partners. Formerly, Managing Director (2020 to 2021), Lafayette Square Holding Company LLC; Senior Adviser (2018 to 2019), Vatic
    Labs, LLC; Executive Vice President, Strategy (2017 to 2019), Zero Mass Water, LLC; and Vice President, Strategy (2013 to 2017),
    Arizona 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 2022), Virtus Stone Harbor Emerging
    Markets Income Fund and Virtus Stone Harbor Emerging Markets Total Income Fund; Trustee (since 2022), Virtus Diversified
    Income&nbsp;&amp; Convertible Fund; Trustee (since 2022) and Advisory Board Member (January 2022 to July 2022), Virtus Artificial
    Intelligence &amp; Technology Opportunities Fund, Virtus Convertible &amp; Income Fund and Virtus Equity &amp; Convertible Income
    Fund; Advisory Board Member (since 2022), Virtus
    Convertible&nbsp;&amp; Income 2024 Target Term Fund,  Virtus Convertible&nbsp;&amp; Income
    Fund II, 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 (61 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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<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="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">108 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 2022), Virtus
    Stone Harbor Emerging Markets Income Fund and Virtus Stone Harbor Emerging Markets Total Income 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 2022) and Advisory Board Member (2021), Virtus Artificial Intelligence &amp; Technology Opportunities Fund, Virtus Convertible &amp; Income 2024 Target Term Fund, Virtus Convertible
 &amp; Income Fund, Virtus Convertible &amp; Income Fund II, Virtus Diversified Income &amp; Convertible Fund, Virtus Equity &amp; Convertible
Income Fund and Virtus Dividend, Interest &amp; Premium Strategy Fund; Trustee (since
    2020) Virtus Alternative Solutions Trust (2 portfolios), Virtus Variable Insurance Trust (8 portfolios) and Virtus Mutual Fund
    Family (61 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">115 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">Trustee (since 2022), Virtus
    Stone Harbor Emerging Markets Income Fund and Virtus Stone Harbor Emerging Markets Total Income Fund; 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 Artificial Intelligence &amp; Technology Opportunities Fund, Virtus Convertible &amp; Income 2024 Target Term Fund, Virtus Convertible
 &amp; Income Fund, Virtus Convertible &amp; Income Fund II, Virtus Diversified Income &amp; Convertible Fund, Virtus Equity &amp; Convertible
Income Fund and Virtus Dividend, Interest &amp; Premium Strategy Fund; 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 (61 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">&nbsp;&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
    Batchelar </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">Trustee (since 2022),
    Virtus Stone Harbor Emerging Markets Income Fund and Virtus Stone Harbor Emerging Markets Total Income Fund; 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 2022), Virtus Stone Harbor Emerging
    Markets Income Fund and Virtus Stone Harbor Emerging Markets Total Income Fund; Senior Vice President (since 2021), The Merger
    Fund&reg;, The Merger Fund&reg; VL, Virtus Event Opportunities Trust; Virtus Artificial Intelligence &amp; Technology Opportunities Fund, Virtus Convertible &amp; Income 2024 Target Term Fund, Virtus Convertible
 &amp; Income Fund, Virtus Convertible &amp; Income Fund II, Virtus Diversified Income &amp; Convertible Fund, Virtus Equity &amp; Convertible
Income Fund and Virtus Dividend, Interest &amp; Premium Strategy Fund, 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 (2017 to 2021) 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">Trustee (since
    2022), Virtus Stone Harbor Emerging Markets Income Fund and Virtus Stone Harbor Emerging Markets Total Income Fund; 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 2022), Virtus Stone Harbor Emerging Markets Income Fund and Virtus Stone Harbor Emerging Markets Total Income Fund; Executive
    Vice President, Chief Financial Officer and Treasurer (since 2021), The Merger Fund&reg;, The Merger Fund&reg; VL, Virtus Event
    Opportunities Trust, Virtus Artificial Intelligence &amp; Technology Opportunities Fund, Virtus Convertible &amp; Income 2024 Target Term Fund, Virtus Convertible
 &amp; Income Fund, Virtus Convertible &amp; Income Fund II, Virtus Diversified Income &amp; Convertible Fund, Virtus Equity &amp; Convertible
Income Fund and Virtus Dividend, Interest &amp; Premium Strategy Fund, 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"> Timothy
    J. Branigan </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: 1976 </P></TD>
    <TD STYLE="width: 2%"> &nbsp; </TD>
    <TD STYLE="vertical-align: top; width: 25%"> Vice President and Fund Chief Compliance Officer (since 2022), Assistant Vice President
    and Deputy Fund Chief Compliance Officer (March to May 2022), and Assistant Vice President and Assistant Chief Compliance Officer
    (2020 to 2022). </TD>
    <TD STYLE="width: 2%"> &nbsp; </TD>
    <TD STYLE="vertical-align: bottom; width: 51%"> Vice President and Fund Chief Compliance Officer (since 2022) and Assistant Vice President
    and Deputy Fund Chief Compliance Officer (March to May 2022), The Merger Fund&reg;, The Merger Fund&reg; VL, Virtus Alternative
    Solutions Trust, Virtus Event Opportunities Trust, Virtus Investment Trust, Virtus Mutual Fund Family, Virtus Strategy Trust, Virtus
    Variable Insurance Trust, Virtus Artificial Intelligence &amp; Technology Opportunities Fund, Virtus Convertible &amp; Income 2024
    Target Term Fund, Virtus Convertible &amp; Income Fund, Virtus Convertible &amp; Income Fund II, Virtus Diversified Income &amp;
    Convertible Fund, Virtus Equity &amp; Convertible Income Fund, Virtus Dividend, Interest &amp; Premium Strategy Fund, Virtus Global
    Multi-Sector Income Fund, Virtus Stone Harbor Emerging Markets Income Fund, Virtus Stone Harbor Emerging Markets Total Income Fund
    and Virtus Total Return Fund Inc.; Fund Chief Compliance Officer (since 2022), Deputy Fund Chief Compliance Officer (February 2022
    to June 2022), and Assistant Chief Compliance Officer (2020 to 2022), ETFis Series Trust I and Virtus ETF Trust II; Assistant Vice
    President and Assistant Chief Compliance Officer (2021 to 2022), Virtus Artificial Intelligence &amp; Technology Opportunities Fund,
    Virtus Convertible &amp; Income 2024 Target Term Fund, Virtus Convertible &amp; Income Fund, Virtus Convertible &amp; Income Fund
    II, Virtus Diversified Income &amp; Convertible Fund, Virtus Equity &amp; Convertible Income Fund and Virtus Dividend, Interest
    &amp; Premium Strategy Fund; Assistant Vice President and Assistant Chief Compliance Officer (2020 to 2022), Virtus Global
    Multi-Sector Income Fund and Virtus Total Return Fund Inc.; Assistant Vice President and Assistant Chief Compliance Officer (2019 to
    2022), Virtus Mutual Fund Family, Virtus Variable Insurance Trust and Virtus Alternative Solutions Trust. </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">Trustee (since
    2022), Virtus Stone Harbor Emerging Markets Income Fund and Virtus Stone Harbor Emerging Markets Total Income Fund; 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 2022), Virtus Stone Harbor Emerging Markets Income Fund and Virtus Stone Harbor Emerging
    Markets Total Income Fund; 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 Artificial Intelligence &amp; Technology Opportunities Fund, Virtus Convertible &amp; Income 2024 Target Term Fund, Virtus Convertible
 &amp; Income Fund, Virtus Convertible &amp; Income Fund II, Virtus Diversified Income &amp; Convertible Fund, Virtus Equity &amp; Convertible
Income Fund and Virtus Dividend, Interest &amp; Premium Strategy Fund; 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 2028 Term Fund 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">Trustee
    (since 2022), Virtus Stone Harbor Emerging Markets Income Fund and Virtus Stone Harbor Emerging Markets Total Income Fund; 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 Artificial Intelligence &amp;
    Technology Opportunities Fund, Virtus Convertible &amp; Income 2024 Target Term Fund, Virtus Convertible &amp; Income Fund, Virtus
    Convertible &amp; Income Fund II, Virtus Diversified Income &amp; Convertible Fund, Virtus Equity &amp; Convertible Income Fund and
    Virtus Dividend, Interest &amp; Premium Strategy Fund, 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">Trustee (since 2022),
    Virtus Stone Harbor Emerging Markets Income Fund and Virtus Stone Harbor Emerging Markets Total Income Fund; 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 Artificial Intelligence &amp; Technology Opportunities Fund, Virtus Convertible &amp; Income 2024 Target Term Fund,
    Virtus Convertible &amp; Income Fund, Virtus Convertible &amp; Income Fund II, Virtus Diversified Income &amp; Convertible Fund,
    Virtus Equity &amp; Convertible Income Fund and Virtus Dividend, Interest &amp; Premium Strategy Fund, 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. Burke has extensive financial and business experience in the investment management industry.
He was employed by BlackRock, Inc. (2006 to 2009) and Merrill Lynch Investment Managers (1990 to 2006) where he held a number of roles
including Managing Director and President and Chief Executive Officer of the BlackRock U.S. mutual funds. In this role, Mr. Burke was
responsible for the accounting, tax and regulatory reporting requirements for over 300 open and closed-end funds. He also served as a
trustee for numerous global funds that were advised by BlackRock, Inc. Mr. Burke currently serves as a director and Audit Committee Chairman
of Avista Corp., a public company involved in the production, transmission and distribution of energy. Mr. Burke started his career at
Deloitte &amp; Touche (formerly Deloitte Haskins &amp; Sells) and is a certified public accountant. He has also served on a number of
nonprofit boards. He is also a director/trustee of open-end and closed-end funds managed by Virtus 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 director/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 director/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 director/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. Dr.&nbsp;Harris is Dean Emeritus and, until recently, was a Professor 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). She currently serves as a Director of Global Payments Inc. (since 2019) and as a Director of North Florida Land Trust
(since 2021). Ms. McDaniel served as Chair of the Georgia State University Robinson College of Business Board of Advisors (2014 to 2016)
and has served as a member of the Georgia State University Robinson College of Business Board of Advisors since 2011. Ms. McDaniel 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, including serving as the chairman of the
board of several such 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"><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 a Partner at Global Infrastructure Partners (since 2006)
and served as the Managing Director at Lafayette Square Holding Company LLC (2020 to 2021). 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 (1982 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>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.  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, Philip R. McLoughlin
and R. Keith Walton. 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"> $10,001 - $50,000 </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"> Over $100,000 </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
    June 24, 2022. 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"> $408,666.67 </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"> $671,916.67 </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"> $438,250.00 </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"> $15,000.00 </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<SUP>(4)</SUP> </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>

<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; text-align: justify">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in; text-align: left"> (4) </TD><TD STYLE="text-align: justify"> Mr. Moyer's term expired
                                            as of May 2022. </TD>
</TR></TABLE>

<P STYLE="margin-top: 0; margin-bottom: 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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<P STYLE="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 division of VFIA</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 VFIA&rsquo;s portfolios
is such that ballots are rarely required, VFIA 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, VFIA sometimes delegates to a&nbsp;non-affiliated&nbsp;third party vendor the responsibility to review proxy proposals
and make voting recommendations on behalf of VFIA. VFIA 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 VFIA&rsquo;s current
Proxy Voting Policies&nbsp;&amp; Procedures is available by sending a written request to VFIA 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"> Virtus Fixed Income Advisers, LLC, an affiliate of VIA and
also an indirect, wholly-owned subsidiary of Virtus, is located at One Financial Plaza, Hartford, CT 06103. VFIA operates through
its division, Newfleet Asset Management (&lsquo;Newfleet&rsquo;) as subadviser to the fixed income portfolio of the Fund. As of May 31, 2022, the three advisers that merged into VFIA on July 1, 2022 had approximately $37.1 billion
in aggregate assets under management. </P>

<P STYLE="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 Newfleet division of VFIA acts as subadviser to mutual funds
and as adviser to institutions and individuals. As of May 31, 2022, the Newfleet division of VFIA had approximately $8.9 billion in assets
under management. Newfleet Asset Management, LLC, which merged with and into VFIA on July 1, 2022, and the former portfolio management
team of which now operates as the Newfleet division of VFIA, had 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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    <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="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 REGISTERED
PUBLIC ACCOUNTING FIRM</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"> PricewaterhouseCoopers LLP, 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 independent registered public accounting firm also reviews 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 PricewaterhouseCoopers LLP thereon, are incorporated herein by reference to the Fund&rsquo;s <A HREF="https://www.sec.gov/Archives/edgar/data/836412/000119312522029831/d221866dncsr.htm">Annual Report</A> 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 December
31, 2011, 2012, 2013, 2014 and November 30, 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="https://www.sec.gov/Archives/edgar/data/836412/000110465922029515/tm228106d1_ex99a7.htm" STYLE="-sec-extract: exhibit"> (a)(7) </A></TD>
    <TD STYLE="vertical-align: bottom"><A HREF="https://www.sec.gov/Archives/edgar/data/836412/000110465922029515/tm228106d1_ex99a7.htm" STYLE="-sec-extract: exhibit"> Amendment to Articles of Incorporation
    dated November&nbsp;8, 2019. (Incorporated by reference to Exhibit (2)(a)(7) of the Registrant&rsquo;s Form N-2 (Filed on March 2,
    2022, Securities Act File No. 333-263245; Investment Company Act File No. 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/836412/000094040009000045/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>

<!-- 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="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="tm228106d2_ex99d1.htm"> (d)(1) </A></TD>
    <TD STYLE="vertical-align: bottom"><A HREF="tm228106d2_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="https://www.sec.gov/Archives/edgar/data/836412/000110465922029515/tm228106d1_ex99e.htm" STYLE="-sec-extract: exhibit"> (e) </A></TD>
    <TD STYLE="vertical-align: bottom"><A HREF="https://www.sec.gov/Archives/edgar/data/836412/000110465922029515/tm228106d1_ex99e.htm" STYLE="-sec-extract: exhibit"> Automatic Reinvestment and Cash
    Purchase Plan. (Incorporated by reference to Exhibit (2)(e) of the Registrant&rsquo;s Form N-2 (Filed on March 2, 2022, Securities
    Act File No. 333-263245; Investment Company Act File No. 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">(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="https://www.sec.gov/Archives/edgar/data/836412/000110465922029515/tm228106d1_ex99g3.htm" STYLE="-sec-extract: exhibit"> (g)(3) </A></TD>
    <TD STYLE="vertical-align: bottom"><A HREF="https://www.sec.gov/Archives/edgar/data/836412/000110465922029515/tm228106d1_ex99g3.htm" STYLE="-sec-extract: exhibit"> Subadvisory Agreement between
    VIA and Duff&nbsp;&amp; Phelps Investment Management Co. (&ldquo;DPIM&rdquo;) dated November&nbsp;18, 2019. (Incorporated by reference
    to Exhibit (2)(g)(3) of the Registrant&rsquo;s Form N-2 (Filed on March 2, 2022, Securities Act File No. 333-263245; Investment Company
    Act File No. 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">(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><A HREF="tm228106d2_ex99j3.htm" STYLE="-sec-extract: exhibit"> (j)(3) </A></TD>
    <TD><A HREF="tm228106d2_ex99j3.htm" STYLE="-sec-extract: exhibit"> Amendment to Custody Agreement dated December 1, 2020.* </A></TD></TR>
  <TR>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD></TR>
  <TR>
    <TD><A HREF="tm228106d2_ex99j4.htm" STYLE="-sec-extract: exhibit"> (j)(4) </A></TD>
    <TD><A HREF="tm228106d2_ex99j4.htm" STYLE="-sec-extract: exhibit"> Joinder Agreement and Amendment to Custody Agreement dated May
    7, 2021.* </A></TD></TR>
  <TR>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD></TR>
  <TR>
    <TD><A HREF="tm228106d2_ex99j5.htm" STYLE="-sec-extract: exhibit"> (j)(5) </A></TD>
    <TD><A HREF="tm228106d2_ex99j5.htm" STYLE="-sec-extract: exhibit"> Joinder Agreement and Amendment to Custody Agreement dated April
    11, 2022.* </A></TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>


  <TR>
    <TD STYLE="vertical-align: top; text-align: left"><A HREF="https://www.sec.gov/Archives/edgar/data/1589756/000157104914001055/t1400597_exg-2.htm" STYLE="-sec-extract: exhibit"> (j)(6) </A></TD>
    <TD><A HREF="https://www.sec.gov/Archives/edgar/data/1589756/000157104914001055/t1400597_exg-2.htm" STYLE="-sec-extract: exhibit"> Foreign
    Custody Manager Agreement between Virtus Alternative Solutions Trust (&ldquo;VAST&rdquo;) and The Bank of New York Mellon filed via EDGAR (as Exhibit g.2) with Pre-Effective Amendment
    No. 4 to VAST&rsquo;s Registration Statement (File No. 333-191940) on April 4, 2014, and incorporated herein by reference. </A></TD></TR>
  <TR>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; text-align: left"><A HREF="https://www.sec.gov/Archives/edgar/data/1589756/000157104914004463/t1401656_exg-2a.htm" STYLE="-sec-extract: exhibit"> (j)(7) </A></TD>
    <TD><A HREF="https://www.sec.gov/Archives/edgar/data/1589756/000157104914004463/t1401656_exg-2a.htm" STYLE="-sec-extract: exhibit"> Amendment
    to Foreign Custody Manager Agreement between VAST and The Bank of New York Mellon dated as of August 19, 2014, filed via EDGAR (as
    Exhibit g.2.a) with Post-Effective Amendment No. 4 to VAST&rsquo;s Registration Statement (File No. 333-191940) on September 8, 2014,
    and incorporated herein by reference. </A></TD></TR>
  <TR>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; text-align: left"><A HREF="https://www.sec.gov/Archives/edgar/data/1589756/000157104915004728/ex99-g2b.htm" STYLE="-sec-extract: exhibit"> (j)(8) </A></TD>
    <TD><A HREF="https://www.sec.gov/Archives/edgar/data/1589756/000157104915004728/ex99-g2b.htm" STYLE="-sec-extract: exhibit"> Amendment
    to Foreign Custody Manager Agreement between VAST and The Bank of New York Mellon dated as of May 19, 2015, filed via EDGAR (as Exhibit
    g.2.b) with Post-Effective Amendment No. 16 to VAST&rsquo;s Registration Statement (File No. 333-191940) on May 29, 2015, and incorporated
    herein by reference. </A></TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>

    <TR><TD STYLE="vertical-align: top; text-align: left"><A HREF="https://www.sec.gov/Archives/edgar/data/1589756/000157104916012159/t1600324_ex99-g2c.htm" STYLE="-sec-extract: exhibit"> (j)(9) </A></TD>
    <TD><A HREF="https://www.sec.gov/Archives/edgar/data/1589756/000157104916012159/t1600324_ex99-g2c.htm" STYLE="-sec-extract: exhibit"> Amendment
    to Foreign Custody Manager Agreement between VAST and The Bank of New York Mellon dated as of September 1, 2015, filed via EDGAR
    (as Exhibit g.2.c) with Post-Effective Amendment No. 24 to VAST&rsquo;s Registration Statement (File No. 333-191940) on February
    26, 2016, and incorporated herein by reference. </A></TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR>
 <TD STYLE="vertical-align: top; text-align: left"><A HREF="https://www.sec.gov/Archives/edgar/data/34273/000114420418064319/tv508990_ex99-9j.htm" STYLE="-sec-extract: exhibit"> (j)(10) </A></TD>
    <TD STYLE="vertical-align: top; text-align: left"><A HREF="https://www.sec.gov/Archives/edgar/data/34273/000114420418064319/tv508990_ex99-9j.htm" STYLE="-sec-extract: exhibit"> Joinder
    Agreement and Amendment to Foreign Custody Manager Agreement between VAST, Virtus Mutual Funds, Virtus Asset Trust (&ldquo;VAT&rdquo;), Virtus
    Retirement Trust (&ldquo;VRT&rdquo;), Virtus Variable Insurance Trust (&ldquo;VVIT&rdquo;), Virtus Global Multi-Sector Income Fund (&ldquo;VGI&rdquo;) and
    Virtus Total Return Fund Inc. (&ldquo;ZTR&rdquo;) (VGI and ZTR collectively, the &ldquo;Closed-End Funds&rdquo;) and The Bank of New
    York Mellon dated as of December 1, 2018, filed via EDGAR (as Exhibit 9(j)) to Virtus Equity Trust&rsquo;s Form N-14 (File No. 333-228766)
    on December 12, 2018, and incorporated herein by reference. </A></TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>

<TR>
<TD STYLE="vertical-align: top; text-align: left"><A HREF="https://www.sec.gov/Archives/edgar/data/792359/000114420419020594/tv519100_ex99-g2e.htm" STYLE="-sec-extract: exhibit"> (j)(11) </A></TD>
    <TD><A HREF="https://www.sec.gov/Archives/edgar/data/792359/000114420419020594/tv519100_ex99-g2e.htm" STYLE="-sec-extract: exhibit"> Form
    of Amendment to Foreign Custody Manager Agreement between VAST, Virtus Mutual Funds, VAT, VRT, VVIT, Closed-End Funds and The Bank
    of New York Mellon dated as of March 8, 2019, filed via EDGAR (as Exhibit g.2.e) with Post-Effective Amendment No. 82 to VVIT&rsquo;s
    Registration Statement (File No. 033-05033) on April 22, 2019, and incorporated herein by reference. </A></TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR>
<TD STYLE="vertical-align: top; text-align: left"><A HREF="https://www.sec.gov/Archives/edgar/data/34273/000114420419030712/tv523291_ex99-g2f.htm" STYLE="-sec-extract: exhibit"> (j)(12) </A></TD>
    <TD><A HREF="https://www.sec.gov/Archives/edgar/data/34273/000114420419030712/tv523291_ex99-g2f.htm" STYLE="-sec-extract: exhibit"> Amendment
    to Foreign Custody Manager Agreement between VAST, Virtus Mutual Funds, VAT, VRT, VVIT, Closed-End Funds and The Bank of New York
    Mellon dated as of May 22, 2019, filed via EDGAR (as Exhibit g.2.f) with Post-Effective Amendment No. 123 to VET&rsquo;s Registration
    Statement (File No. 002-16590) on June 12, 2019, and incorporated herein by reference. </A></TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR>
<TD STYLE="vertical-align: top; text-align: left"><A HREF="https://www.sec.gov/Archives/edgar/data/1005020/000114420419046538/tv530053_ex99-g2g.htm" STYLE="-sec-extract: exhibit"> (j)(13) </A></TD>
    <TD><A HREF="https://www.sec.gov/Archives/edgar/data/1005020/000114420419046538/tv530053_ex99-g2g.htm" STYLE="-sec-extract: exhibit"> Amendment
    to Foreign Custody Manager Agreement between VAST, Virtus Mutual Funds, VAT, VRT, VVIT, Closed-End Funds and The Bank of New York
    Mellon dated September 1, 2019, filed via EDGAR (as Exhibit g.2.g) with Post-Effective Amendment No. 105 to VOT&rsquo;s Registration
    Statement of Virtus Opportunities Trust (&ldquo;VOT&rdquo;) (File No. 033-65137) on September 30, 2019, and incorporated herein by
    reference. </A></TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR>
<TD STYLE="vertical-align: top; text-align: left"><A HREF="https://www.sec.gov/Archives/edgar/data/1005020/000110465920005966/tv536301_ex99g2h.htm" STYLE="-sec-extract: exhibit"> (j)(14) </A></TD>
    <TD><A HREF="https://www.sec.gov/Archives/edgar/data/1005020/000110465920005966/tv536301_ex99g2h.htm" STYLE="-sec-extract: exhibit"> Amendment
    to Foreign Custody Manager Agreement between VAST, Virtus Mutual Funds, VAT, VRT, VVIT, Closed-End Funds and The Bank of New York
    Mellon dated November 18, 2019, filed via EDGAR (as Exhibit g.2.h) with Post-Effective Amendment No. 109 to VOT&rsquo;s Registration
    Statement (File No. 033-65137) on January 22, 2020, and incorporated herein by reference. </A></TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR>
<TD STYLE="vertical-align: top; text-align: left"><A HREF="https://www.sec.gov/Archives/edgar/data/1005020/000110465920005966/tv536301_ex99g2h.htm" STYLE="-sec-extract: exhibit"> (j)(15) </A></TD>
    <TD><A HREF="https://www.sec.gov/Archives/edgar/data/1005020/000110465920005966/tv536301_ex99g2h.htm" STYLE="-sec-extract: exhibit"> Amendment
    and Joinder to Foreign Custody Manager Agreement between VAST, Virtus Mutual Funds, VAT, VRT, VVIT, Closed-End Funds, VATS Offshore
    Fund, Ltd. (&ldquo;VATS&rdquo;), and The Bank of New York Mellon dated as of August 27, 2020, filed via EDGAR (as Exhibit g.2.i) with
    Post-Effective Amendment No. 135 to VET&rsquo;s Registration Statement (File No. 002-16590) on October 19, 2020, and incorporated
    herein by reference. </A></TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR>
<TD STYLE="vertical-align: top; text-align: left"><A HREF="https://www.sec.gov/Archives/edgar/data/1005020/000110465920005966/tv536301_ex99g2h.htm" STYLE="-sec-extract: exhibit"> (j)(16) </A></TD>
    <TD><A HREF="https://www.sec.gov/Archives/edgar/data/1005020/000110465920005966/tv536301_ex99g2h.htm" STYLE="-sec-extract: exhibit"> Amendment
    to Foreign Custody Manager Agreement between VAST, Virtus Mutual Funds, VAT, VRT, VVIT, Closed-End Funds, VATS and The Bank of New
    York Mellon dated as of November 13, 2020, filed via EDGAR (as Exhibit g.2.l) with Post-Effective Amendment No. 136 to VET&rsquo;s
    Registration Statement (File No. 002-16590) on December 7, 2020, and incorporated herein by reference. </A></TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR>
<TD STYLE="vertical-align: top; text-align: left"><A HREF="https://www.sec.gov/Archives/edgar/data/1005020/000110465921119400/tm2127644d3_ex99-g2k.htm" STYLE="-sec-extract: exhibit"> (j)(17) </A></TD>
    <TD><A HREF="https://www.sec.gov/Archives/edgar/data/1005020/000110465921119400/tm2127644d3_ex99-g2k.htm" STYLE="-sec-extract: exhibit"> Amendment
    and Joinder to Foreign Custody Manager Agreement between VAST, Virtus Mutual Funds, VAT, VRT, VVIT, Closed-End Funds, VATS, Virtus
    AllianzGI Artificial Intelligence &amp; Technology Opportunities Fund (&ldquo;AIO&rdquo;), Virtus AllianzGI Convertible &amp; Income
    2024 Target Term Fund (&ldquo;CBH&rdquo;), Virtus AllianzGI Convertible &amp; Income Fund (&ldquo;NCV&rdquo;), Virtus AllianzGI Convertible
    &amp; Income Fund II (&ldquo;NCZ II&rdquo;), Virtus AllianzGI Diversified Income &amp; Convertible Fund (&ldquo;ACV&rdquo;), Virtus
    AllianzGI Equity &amp; Convertible Income Fund (&ldquo;NIE&rdquo;) and Virtus Dividend, Interest &amp; Premium Strategy Fund (&ldquo;NFJ&rdquo;
    and together with AIO, CBH, NCV, NCZ II, ACV, and NIE, &ldquo;VCEFII&rdquo;) and The Bank of New York Mellon dated
    as of May 7, 2021, filed via EDGAR (as Exhibit g.2.k) with Post-Effective Amendment No. 121 to VOT&rsquo;s Registration Statement
    (File No. 033-65137) on September 27, 2021, and incorporated herein by reference. </A></TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR>
<TD STYLE="vertical-align: top; text-align: left"><A HREF="https://www.sec.gov/Archives/edgar/data/1005020/000110465921143538/tm2133731d1_ex9bb.htm" STYLE="-sec-extract: exhibit"> (j)(18) </A></TD>
    <TD><A HREF="https://www.sec.gov/Archives/edgar/data/1005020/000110465921143538/tm2133731d1_ex9bb.htm" STYLE="-sec-extract: exhibit"> Amendment
    to Foreign Custody Manager Agreement between VAST, Virtus Mutual Funds, VAT, VRT, VVIT, VATS, Investment Trust, VST, Closed-End Funds,
    VATS, VCEFII and The Bank of New York Mellon dated as of July 26, 2021, filed via EDGAR (as Exhibit 9(bb)) to VOT&rsquo;s
    Form N-14 (File No. 333-261341) on November 24, 2021, and incorporated herein by reference. </A></TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR>
<TD STYLE="vertical-align: top; text-align: left"><A HREF="https://www.sec.gov/Archives/edgar/data/1005020/000110465922042847/tm2134495d5_ex99-g2m.htm" STYLE="-sec-extract: exhibit"> (j)(19) </A></TD>
    <TD><A HREF="https://www.sec.gov/Archives/edgar/data/1005020/000110465922042847/tm2134495d5_ex99-g2m.htm" STYLE="-sec-extract: exhibit"> Amendment
    and Joinder to Foreign Custody Manager Agreement between TMF, TMFVL, VEOT, VAST, Virtus Mutual Funds, VAT, VRT, VVIT, VATS, Investment
    Trust, VST, Closed-End Funds, VCEFII and The Bank of New York Mellon dated as of February 12, 2022, filed via EDGAR
    (as Exhibit g.2.m) with Post-Effective Amendment No. 126 to VOT&rsquo;s Registration Statement (File No. 333-65137) on April 5, 2022,
    and incorporated herein by reference. </A></TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR>
<TD STYLE="vertical-align: top; text-align: left"><A HREF="https://www.sec.gov/Archives/edgar/data/1005020/000110465922042847/tm2134495d5_ex99-g2n.htm" STYLE="-sec-extract: exhibit"> (j)(20) </A></TD>
    <TD><A HREF="https://www.sec.gov/Archives/edgar/data/1005020/000110465922042847/tm2134495d5_ex99-g2n.htm" STYLE="-sec-extract: exhibit"> Amendment
    and Joinder to Foreign Custody Manager Agreement between TMF, TMFVL, VEOT, VAST, Virtus Mutual Funds, VAT, VRT, VVIT, VATS,
    Investment Trust, VST, Closed-End Funds, VATS, VCEFII, Virtus Stone Harbor Emerging Markets Income Fund, Virtus Stone Harbor
    Emerging Markets Total Income Fund, and The Bank of New York Mellon dated as of April 4, 2022, filed via EDGAR (as Exhibit g.2.n)
    with Post-Effective Amendment No. 126 to VOT&rsquo;s Registration Statement (File No. 333-65137) on April 5, 2022, and incorporated
    herein by reference. </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>

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<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: 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="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><A HREF="tm228106d2_ex99k9.htm" STYLE="-sec-extract: exhibit"> (k)(9) </A></TD>
    <TD><A HREF="tm228106d2_ex99k9.htm" STYLE="-sec-extract: exhibit"> Amendment to Sub-Administration Services Agreement dated November 19, 2019.* </A></TD></TR>
  <TR>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD></TR>
  <TR>
    <TD><A HREF="tm228106d2_ex99k10.htm" STYLE="-sec-extract: exhibit"> (k)(10) </A></TD>
    <TD><A HREF="tm228106d2_ex99k10.htm" STYLE="-sec-extract: exhibit"> Amendment to Sub-Administration Services Agreement dated December 1, 2020.* </A></TD></TR>
  <TR>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"> <A HREF="https://www.sec.gov/Archives/edgar/data/836412/000114420419033643/tv524567_ex13i.htm">(k)(11)</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="vertical-align: top; padding-left: 12pt; text-indent: -12pt"> <A HREF="https://www.sec.gov/Archives/edgar/data/836412/000114420419033643/tv524567_ex13j.htm">(k)(12)</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="vertical-align: top; padding-left: 12pt; text-indent: -12pt"> <A HREF="https://www.sec.gov/Archives/edgar/data/836412/000114420419033643/tv524567_ex13k.htm">(k)(13)</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="vertical-align: top; padding-left: 12pt; text-indent: -12pt"> <A HREF="https://www.sec.gov/Archives/edgar/data/836412/000114420419033643/tv524567_ex13l.htm">(k)(14)</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="vertical-align: top; padding-left: 12pt; text-indent: -12pt"> <A HREF="https://www.sec.gov/Archives/edgar/data/836412/000114420419033643/tv524567_ex13m.htm">(k)(15)</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="vertical-align: top; padding-left: 12pt; text-indent: -12pt"> <A HREF="https://www.sec.gov/Archives/edgar/data/836412/000114420419033643/tv524567_ex13n.htm">(k)(16)</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><A HREF="tm228106d2_ex99k17.htm" STYLE="-sec-extract: exhibit"> (k)(17) </A></TD>
    <TD><A HREF="tm228106d2_ex99k17.htm" STYLE="-sec-extract: exhibit"> Amendment to Accounting Services Agreement dated November 19, 2019.* </A></TD></TR>
  <TR>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD></TR>
  <TR>
    <TD><A HREF="tm228106d2_ex99k18.htm" STYLE="-sec-extract: exhibit"> (k)(18) </A></TD>
    <TD><A HREF="tm228106d2_ex99k18.htm" STYLE="-sec-extract: exhibit"> Amendment to Accounting Services Agreement dated December 1, 2020.* </A></TD></TR>
  <TR>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><A HREF="tm228106d2_ex99k19.htm"> (k)(19) </A></TD>
    <TD STYLE="vertical-align: bottom"><A HREF="tm228106d2_ex99k19.htm"> Form&nbsp;of Subscription Agent Agreement between the Registrant and Computershare
    Trust Company, N.A.* </A></TD></TR>
  <TR>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><A HREF="tm228106d2_ex99k20.htm"> (k)(20) </A></TD>
    <TD STYLE="vertical-align: bottom"><A HREF="tm228106d2_ex99k20.htm"> Form&nbsp;of Information Agent Agreement between the Registrant and Georgeson
    LLC.* </A></TD></TR>
  <TR>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><A HREF="tm228106d2_ex99l.htm" STYLE="-sec-extract: exhibit"> (l) </A></TD>
    <TD STYLE="vertical-align: bottom"><A HREF="tm228106d2_ex99l.htm" STYLE="-sec-extract: exhibit"> Opinion and Consent of Miles&nbsp;&amp; Stockbridge.* </A></TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt">(m)</TD>
    <TD STYLE="vertical-align: bottom">Not applicable.</TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><A HREF="tm228106d2_ex99n.htm"> (n) </A></TD>
    <TD STYLE="vertical-align: bottom"><A HREF="tm228106d2_ex99n.htm"> Consent of independent auditor.* </A></TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt">(o)</TD>
    <TD STYLE="vertical-align: bottom">Not applicable.</TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt">(p)</TD>
    <TD STYLE="vertical-align: bottom">Not applicable.</TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt">(q)</TD>
    <TD STYLE="vertical-align: bottom">Not applicable.</TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><A HREF="https://www.sec.gov/Archives/edgar/data/836412/000110465922029515/tm228106d1_ex99r1.htm" STYLE="-sec-extract: exhibit"> (r)(1) </A></TD>
    <TD STYLE="vertical-align: bottom"><A HREF="https://www.sec.gov/Archives/edgar/data/836412/000110465922029515/tm228106d1_ex99r1.htm" STYLE="-sec-extract: exhibit"> Code of
    Ethics of the Registrant. (Incorporated by reference to Exhibit (2)(r)(1) of the Registrant&rsquo;s Form N-2 (Filed on March 2, 2022,
    Securities Act File No. 333-263245; Investment Company Act File No. 811-05620)). </A></TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><A HREF="https://www.sec.gov/Archives/edgar/data/836412/000110465922029515/tm228106d1_ex99r2.htm" STYLE="-sec-extract: exhibit"> (r)(2) </A></TD>
    <TD STYLE="vertical-align: bottom"><A HREF="https://www.sec.gov/Archives/edgar/data/836412/000110465922029515/tm228106d1_ex99r2.htm" STYLE="-sec-extract: exhibit"> Code of
    Ethics of Investment Advisers, applicable to VIA, DPIM and Newfleet. (Incorporated by reference to Exhibit (2)(r)(2) of the Registrant&rsquo;s
    Form N-2 (Filed on March 2, 2022, Securities Act File No. 333-263245; Investment Company Act File No. 811-05620)). </A></TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><A HREF="tm228106d2_ex99s.htm">(s)</A></TD>
    <TD STYLE="vertical-align: bottom"><A HREF="tm228106d2_ex99s.htm">Calculation of Filing Fee Tables.*</A></TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><A HREF="https://www.sec.gov/Archives/edgar/data/836412/000110465922029515/tm228106d1_ex99t.htm" STYLE="-sec-extract: exhibit"> (t) </A></TD>
    <TD STYLE="vertical-align: bottom"><A HREF="https://www.sec.gov/Archives/edgar/data/836412/000110465922029515/tm228106d1_ex99t.htm" STYLE="-sec-extract: exhibit"> 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. (Incorporated by reference to Exhibit (2)(t) of the Registrant&rsquo;s Form N-2 (Filed on March
    2, 2022, Securities Act File No. 333-263245; Investment Company Act File No. 811-05620)). </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>

  </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"> 300,000 </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"> 129,000 </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"> 165,000 </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"> 15,000 </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"> 56,000 </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"> 55,000 </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"> 5,000 </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 June 23, 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"> 5,732 </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>

<!-- Field: Page; Sequence: 103 -->
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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"> Virtus Fixed Income Advisers, LLC, operating through its division
Newfleet Asset Management </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: 104 -->
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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;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">(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 Prospectus or
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: 105 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <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 amendment to the 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 28th day of July,
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
amendment to the 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"> July 28, 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"> July 28, 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"> July 28, 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"> July 28, 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"> July 28, 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"> July 28, 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"> July 28, 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"> July 28, 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"> July 28, 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"> July 28, 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"> July 28, 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"> July 28, 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"> July 28, 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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    <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; 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"><A HREF="tm228106d2_ex99d1.htm"> (d)(1) </A></TD>
    <TD STYLE="vertical-align: bottom"><A HREF="tm228106d2_ex99d1.htm"> Form of Subscription Certificate </A></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: top; width: 6%"><A HREF="tm228106d2_ex99j3.htm" STYLE="-sec-extract: exhibit"> <FONT STYLE="font-size: 10pt">(j)(3)</FONT> </A></TD>
    <TD STYLE="vertical-align: bottom; width: 94%"><A HREF="tm228106d2_ex99j3.htm" STYLE="-sec-extract: exhibit"> <FONT STYLE="font-size: 10pt">Amendment to Custody Agreement dated December 1,
    2020</FONT> </A></TD></TR>
  <TR>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: top"><A HREF="tm228106d2_ex99j4.htm" STYLE="-sec-extract: exhibit"> <FONT STYLE="font-size: 10pt">(j)(4)</FONT> </A></TD>
    <TD STYLE="vertical-align: bottom"><A HREF="tm228106d2_ex99j4.htm" STYLE="-sec-extract: exhibit"> <FONT STYLE="font-size: 10pt">Joinder Agreement and Amendment to Custody Agreement dated May
    7, 2021</FONT> </A></TD></TR>
  <TR>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: top"><A HREF="tm228106d2_ex99j5.htm" STYLE="-sec-extract: exhibit"> <FONT STYLE="font-size: 10pt">(j)(5)</FONT> </A></TD>
    <TD STYLE="vertical-align: bottom"><A HREF="tm228106d2_ex99j5.htm" STYLE="-sec-extract: exhibit"> <FONT STYLE="font-size: 10pt">Joinder Agreement and Amendment to Custody Agreement dated April
    11, 2022</FONT> </A></TD></TR>
  <TR>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD></TR>

  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: top"><A HREF="tm228106d2_ex99k9.htm" STYLE="-sec-extract: exhibit"> <FONT STYLE="font-size: 10pt">(k)(9)</FONT> </A></TD>
    <TD STYLE="vertical-align: bottom"><A HREF="tm228106d2_ex99k9.htm" STYLE="-sec-extract: exhibit"> <FONT STYLE="font-size: 10pt">Amendment to Sub-Administration Services Agreement dated November
    19, 2019</FONT> </A></TD></TR>
  <TR>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: top"><A HREF="tm228106d2_ex99k10.htm" STYLE="-sec-extract: exhibit"> <FONT STYLE="font-size: 10pt">(k)(10)</FONT> </A></TD>
    <TD STYLE="vertical-align: bottom"><A HREF="tm228106d2_ex99k10.htm" STYLE="-sec-extract: exhibit"> <FONT STYLE="font-size: 10pt">Amendment to Sub-Administration Services Agreement dated December
    1, 2020</FONT> </A></TD></TR>
  <TR>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: top"><A HREF="tm228106d2_ex99k17.htm" STYLE="-sec-extract: exhibit"> <FONT STYLE="font-size: 10pt">(k)(17)</FONT> </A></TD>
    <TD STYLE="vertical-align: top"><A HREF="tm228106d2_ex99k17.htm" STYLE="-sec-extract: exhibit"> <FONT STYLE="font-size: 10pt">Amendment to Accounting Services Agreement dated November 19, 2019</FONT> </A></TD></TR>
  <TR>
    <TD> &nbsp; </TD>
    <TD> &nbsp; </TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: top"><A HREF="tm228106d2_ex99k18.htm" STYLE="-sec-extract: exhibit"> <FONT STYLE="font-size: 10pt">(k)(18)</FONT> </A></TD>
    <TD STYLE="vertical-align: top"><A HREF="tm228106d2_ex99k18.htm" STYLE="-sec-extract: exhibit"> <FONT STYLE="font-size: 10pt">Amendment to Accounting Services Agreement dated December 1, 2020</FONT> </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="tm228106d2_ex99k19.htm"> <FONT STYLE="font-size: 10pt">(k)(19)</FONT> </A></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><A HREF="tm228106d2_ex99k19.htm"> <FONT STYLE="font-size: 10pt">Form of Subscription Agent Agreement
    between the Registrant and Computershare Trust Company, N.A.</FONT> </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="tm228106d2_ex99k20.htm"> <FONT STYLE="font-size: 10pt">(k)(20)</FONT> </A></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><A HREF="tm228106d2_ex99k20.htm"> Form of <FONT STYLE="font-size: 10pt">Information Agent Agreement between
    the Registrant and Georgeson LLC</FONT> </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="tm228106d2_ex99l.htm" STYLE="-sec-extract: exhibit"> <FONT STYLE="font-size: 10pt">(l)</FONT> </A></TD>
    <TD STYLE="vertical-align: bottom"><A HREF="tm228106d2_ex99l.htm" STYLE="-sec-extract: exhibit"> <FONT STYLE="font-size: 10pt">Opinion and Consent of Miles &amp; Stockbridge</FONT> </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="tm228106d2_ex99n.htm"> <FONT STYLE="font-size: 10pt">(n)</FONT> </A></TD>
    <TD STYLE="vertical-align: bottom"><A HREF="tm228106d2_ex99n.htm"> <FONT STYLE="font-size: 10pt">Consent of independent auditor</FONT> </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="tm228106d2_ex99s.htm" STYLE="-sec-extract: exhibit"> <FONT STYLE="font-size: 10pt">(s)</FONT> </A></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><A HREF="tm228106d2_ex99s.htm" STYLE="-sec-extract: exhibit"> <FONT STYLE="font-size: 10pt">Calculation of Filing Fee Tables.</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>

</BODY>
</HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.(D)(1)
<SEQUENCE>2
<FILENAME>tm228106d2_ex99d1.htm
<DESCRIPTION>EXHIBIT 99.(D)(1)
<TEXT>
<html><head></head><body link=blue lang="EN-US"><div  align="center"><p align="right" style="margin: 0in 0in 0pt; text-align: right;"><b><font face="Times New Roman" size="2" style="font-size: 10pt; font-weight: bold;">Exhibit (d)(1)</font></b></p></div><div><div align="center"><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="850" height="1100" src="tm228106d2_ex99d1001.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">NNNNNNNNN
NNNNNN NNNNNN
NNNNNNNNNNNN
XXX.XXXXXX
12345678
12345678
Subscription Rights
123456789 XXXX
12345678901234
Primary Subscription Rights Account Code: Control Code:
MR&#x2008;A SAMPLE DESIGNATION&#x2008;(IF&#x2008;ANY) ADD&#x2008;1 ADD 2 ADD 3 ADD 4 ADD 5 ADD 6
C 1234567890     J N T
COYC
CLS
..
+
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)
03OD7B
+
XRT2
Rights Qty Issued
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 &#x201C;Fund&#x201D;) has distributed to each holder of its common stock owned as of record (each an &#x201C;
Eligible Holder&#x201D;) at close of business
 &lt;TIME&gt; on &lt;DATE&gt;
(the
 &#x201C;Record Date&#x201D;), at no charge, one non-transferable right (&#x201C;Subscription Right&#x201D;), 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. Fractional Shares will not be issued upon the exercise of Rights. If a Record
 Date Shareholder&#x2019;s total ownership is fewer than three shares, such
shareholder may subscribe for one Share.The subscription price per share will be equal to 95% of the lower of the net asset val
ue per share of the Fund&#x2019;s common stock at the close of business
on
 &lt;DATE&gt;
or the average of the last reported sales price of a share of the Fund's common stock on the NYSE on the pricing date and the f
our preceding business days. 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&#x2019;s Prospectus dated
 &lt;DATE&gt;
(as
it may be amended or supplemented, the &#x201C;Prospectus&#x201D;), which is incorporated into this Rights Certificate by reference. Capitali
zed 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 exer
cise 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 sha
re, 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 GUARANT
EED DELIVERY, TO
THE SUBSCRIPTION AGENT,  COMPUTERSHARE TRUST COMPANY, N.A., IN EITHER CASE BEFORE
[TIME] EASTERN TIME, [DATE].
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 &#x2013; Visit the Offer Website at virtusrightsoffering@ComputershareCAS.com
and using the Account and Control Codes printed above
sign in and follow the instructions on the website.
Option 2)
Mail &#x2013; Complete the instructions, sign and return this Subscription Certificate and your check in the envelope provided.
Computershare Trust Company, N.A.
150 Royall Street, Suite V
Canton, Massachusetts 02021
Information Agent: Georgeson LLC
Banks, brokers and shareholders call toll-free:  1-866-431-2108
VIRTUS TOTAL RETURN FUND INC. SUBSCRIPTION CERTIFICATE</font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"></div></div></div>

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<div><div align="center"><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="850" height="1100" src="tm228106d2_ex99d1002.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">PLEASE PRINT ALL INFORMATION CLEARLY AND LEGIBLY
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)
 &#xF7; 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 Offering may be directed to Georgeson LLC
toll free at 1-866-431-2108.
x [PRICE] =
(Estimated Subscription Price) (No. of Shares)</font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:avoid;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div></div></div>

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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.(J)(3)
<SEQUENCE>3
<FILENAME>tm228106d2_ex99j3.htm
<DESCRIPTION>EXHIBIT 99.(J)(3)
<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="margin: 0; text-align: right"><B>Exhibit (j)(3)</B></P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>CUSTODY 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; text-align: justify; text-indent: 0.5in">This Amendment (&ldquo;Amendment&rdquo;)
dated December&nbsp;1, 2020 (&ldquo;Effective Date&rdquo;) is by and between each of Duff&nbsp;&amp; Phelps Select MLP and Midstream
Energy Fund Inc. (formerly, Duff&nbsp;&amp; Phelps Select Energy MLP Fund Inc.)(&ldquo;DSE&rdquo;), Virtus Total Return Fund Inc. (formerly,
Virtus Global Dividend and Income Fund Inc.), and Virtus Global Multi-Sector Income Fund (each, the &ldquo;Fund&rdquo; and collectively,
the &ldquo;Funds&rdquo;) and The Bank of New York Mellon (&ldquo;BNY Mellon&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"><B>BACKGROUND:</B></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; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in">A.</TD><TD STYLE="text-align: justify">BNY Mellon and DSE entered into a Custody Agreement dated as of May&nbsp;7,
                                2014 (the &ldquo;Agreement&rdquo;) relating to BNY Mellon&rsquo;s provision of custody services. A Joinder
                                Agreement and Amendments to Custody Agreement were entered into between the parties (and an additional
                                party, the prior Virtus Total Return Fund Inc.) on September&nbsp;5, 2017 and effective as of September&nbsp;11,
                                2017 and November&nbsp;19, 2019 for the purpose of amending the Agreement and adding certain Funds.</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; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in">B.</TD><TD STYLE="text-align: justify">This Background section is incorporated by reference into and made a
                                part of this 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; text-align: center"><B>TERMS:</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 parties hereby agree that:</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: 0.5in"></TD><TD STYLE="width: 0.5in">1.</TD><TD STYLE="text-align: justify">Section&nbsp;10.2(a)&nbsp;of the Agreement
                                            shall be amended and restated in its entirety as follows: This Agreement shall continue through
                                            December&nbsp;1, 2024 (the &ldquo;Initial Term&rdquo;).</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: 0.5in"></TD><TD STYLE="width: 0.5in">2.</TD><TD STYLE="text-align: justify">Section&nbsp;10.2(b)&nbsp;of the Agreement
                                            shall be amended and restated in its entirety as follows: Upon the termination of the Initial
                                            Term, this Agreement shall automatically renew for successive terms of two (2)&nbsp;years
                                            each (each a &ldquo;Renewal Term&rdquo;), unless the Fund has given written notice to Custodian
                                            of its intent not to renew and such notice has been received by Custodian not less than sixty
                                            (60) days prior to the expiration of the Initial Term or the then-current Renewal Term or
                                            Custodian has given written notice to the Fund of its intent not to renew and such notice
                                            has been received by the Fund not less than ninety (90) days prior to the expiration of the
                                            Initial Term or the then-current Renewal Term.</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: 0.5in"></TD><TD STYLE="width: 0.5in">3.</TD><TD STYLE="text-align: justify">Section&nbsp;10.2(d)&nbsp;of the Agreement
                                            shall be amended and restated in its entirety as follows: If the Fund or Custodian with respect
                                            to the Fund is guilty of a material failure to perform its duties and obligations hereunder
                                            (a &ldquo;Defaulting Party&rdquo;) the other party (the &ldquo;Non-Defaulting Party&rdquo;)
                                            may give written notice thereof to the Defaulting Party, and if such material failure shall
                                            not have been remedied within thirty (30) days after such written notice is given of such
                                            material failure, then the Non-Defaulting Party may terminate this Agreement by giving thirty
                                            (30) days written notice of such termination to the Defaulting Party even during the Initial
                                            Term or a Renewal Term. In all cases, termination by the Non-Defaulting Party shall not constitute
                                            a waiver by the Non-Defaulting Party of any other rights it might have under this Agreement
                                            or otherwise against the Defaulting Party. For the avoidance of doubt, a material failure
                                            by Custodian to perform its duties and obligations hereunder with respect to the Fund in
                                            accordance with the Service Level Agreement between the parties shall constitute a material
                                            failure to perform its duties and obligations hereunder by Custodian with respect 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"></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"></TD><TD STYLE="width: 0.5in">4.</TD><TD STYLE="text-align: justify">For clarity, as of the effective date of this
                                            Amendment the Agreement shall be deemed to be in its &ldquo;Initial Term&rdquo; (as defined
                                            in Section&nbsp;1 above).</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"></TD><TD STYLE="width: 0.5in">5.</TD><TD STYLE="text-align: justify"><U>Miscellaneous</U>.</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: 0.5in"></TD><TD STYLE="width: 0.25in">(a)</TD><TD STYLE="text-align: justify">Capitalized terms not defined in this
                                            Amendment shall have the same meanings as set forth in the Agreement. In the event of a conflict
                                            between the terms hereof and the Agreement, as to items described in this Amendment, this
                                            Amendment shall control.</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: 0.5in"></TD><TD STYLE="width: 0.25in">(b)</TD><TD STYLE="text-align: justify">As hereby amended and supplemented, the
                                            Agreement shall remain in full force and effect.</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: 0.5in"></TD><TD STYLE="width: 0.25in">(c)</TD><TD STYLE="text-align: justify">The Agreement, as amended hereby, constitutes
                                            the complete understanding and agreement of the parties with respect to the subject matter
                                            thereof and supersedes all prior communications with respect thereto.</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: 0.5in"></TD><TD STYLE="width: 0.25in">(d)</TD><TD STYLE="text-align: justify">This Amendment shall be governed by the
                                            laws of the State of New York, without regard to its principles of conflicts of laws.</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: 0.5in"></TD><TD STYLE="width: 0.25in">(e)</TD><TD STYLE="text-align: justify">The parties expressly agree that this
                                            Amendment may be executed in one or more counterparts and expressly agree that such execution
                                            may occur by manual signature on a physically delivered copy of this Amendment, by a manual
                                            signature on a copy of this Amendment transmitted by facsimile transmission, by a manual
                                            signature on a copy of Amendment transmitted as an imaged document attached to an email,
                                            or by &quot;Electronic Signature&quot;, which is hereby defined to mean inserting an image,
                                            representation or symbol of a signature into an electronic copy of this Amendment by electronic,
                                            digital or other technological methods. Each counterpart executed in accordance with the
                                            foregoing shall be deemed an original, with all such counterparts together constituting one
                                            and the same instrument. The exchange of executed counterparts of this Amendment or of executed
                                            signature pages&nbsp;to counterparts of this Amendment, in either case by facsimile transmission
                                            or as an imaged document attached to an email transmission, shall constitute effective execution
                                            and delivery of this Amendment and may be used for all purposes in lieu of a manually executed
                                            and physically delivered copy of this 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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<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: center; margin-top: 0pt; margin-bottom: 0pt">[Signature page&nbsp;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"></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; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>IN
WITNESS WHEREOF</B></FONT>, each of the parties hereto has caused this Amendment to be executed as of the Effective Date by its duly
authorized representative indicated below. An authorized representative, if executing this Amendment by Electronic Signature, affirms
authorization to execute this Amendment by Electronic Signature and that the Electronic Signature represents an intent to enter into
this Amendment and an agreement with its terms.</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font-size: 10pt; border-collapse: collapse; width: 100%">
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; font: bold 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">DUFF&nbsp;&amp; PHELPS SELECT
    MLP AND MIDSTREAM ENERGY FUND INC.</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt; width: 50%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 5%"><FONT STYLE="font-size: 10pt">By:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; width: 45%">/s/ <FONT STYLE="font-size: 10pt">Amy
    Hackett</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Name: </FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Amy Hackett</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Title: </FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Vice President
    and Assistant Treasurer</FONT></TD></TR>

<TR STYLE="font-size: 10pt; vertical-align: bottom">
    <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">&nbsp;</TD></TR>
<TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">VIRTUS TOTAL RETURN FUND INC.</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt; width: 50%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 5%"><FONT STYLE="font-size: 10pt">By:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; width: 45%">/s/ <FONT STYLE="font-size: 10pt">Amy
    Hackett</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Name: </FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Amy Hackett</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Title: </FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Vice President
    and Assistant Treasurer</FONT></TD></TR>

<TR STYLE="font-size: 10pt; vertical-align: bottom">
    <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">&nbsp;</TD></TR>
<TR STYLE="font-size: 10pt; vertical-align: bottom"><TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif">VIRTUS GLOBAL MULTI-SECTOR INCOME FUND</TD></TR>
<TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt; width: 50%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 5%"><FONT STYLE="font-size: 10pt">By:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; width: 45%">/s/ <FONT STYLE="font-size: 10pt">Amy
    Hackett</FONT></TD></TR>
<TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Name: </FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Amy Hackett</FONT></TD></TR>
<TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Title: </FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Vice President
    and Assistant Treasurer</FONT></TD></TR>

<TR STYLE="font-size: 10pt; vertical-align: bottom">
    <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">&nbsp;</TD></TR>
<TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">THE BANK OF NEW YORK MELLON</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt; width: 50%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 5%"><FONT STYLE="font-size: 10pt">By:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; width: 45%">/s/ <FONT STYLE="font-size: 10pt">Donald
    Brophy</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Name: </FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Donald Brophy</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Title: </FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">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"></P>

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<TYPE>EX-99.(J)(4)
<SEQUENCE>4
<FILENAME>tm228106d2_ex99j4.htm
<DESCRIPTION>EXHIBIT 99.(J)(4)
<TEXT>
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<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0; text-align: right"><B>Exhibit (j)(4)</B></P>

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

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

<P STYLE="font: 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>JOINDER AGREEMENT AND AMENDMENT</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>CUSTODY 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; text-align: justify; margin: 0pt 0; text-indent: 0.5in">This Joinder Agreement and
Amendment (&ldquo;Amendment&rdquo;) dated May&nbsp;7, 2021 (&ldquo;Effective Date&rdquo;) is by and between each of Duff&nbsp;&amp; Phelps
Select MLP and Midstream Energy Fund Inc. (formerly, Duff&nbsp;&amp; Phelps Select Energy MLP Fund Inc.) (&ldquo;DSE&rdquo;), Virtus
Total Return Fund Inc. (formerly, Virtus Global Dividend and Income Fund Inc.), Virtus Global Multi-Sector Income Fund, 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 Fund, Virtus AllianzGI Equity&nbsp;&amp; Convertible Income Fund and Virtus Dividend,&nbsp;Interest&nbsp;&amp;
Premium Strategy Fund (each, the &ldquo;Fund&rdquo; and collectively, the &ldquo;Funds&rdquo;) and The Bank of New York Mellon (&ldquo;BNY
Mellon&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"><B>BACKGROUND:</B></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; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in">A.</TD><TD STYLE="text-align: justify">BNY Mellon and DSE entered into a Custody Agreement dated as of May&nbsp;7,
                                2014 (the &ldquo;Agreement&rdquo;) relating to BNY Mellon&rsquo;s provision of custody services. A Joinder
                                Agreement and Amendments to Custody Agreement were entered into among the parties on September&nbsp;5,
                                2017 and effective as of September&nbsp;11, 2017, November&nbsp;19, 2019 and December&nbsp;1, 2020 for
                                the purpose of amending the Agreement and/or adding certain Funds.</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; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in">B.</TD><TD>Each Fund and BNY Mellon desire that each Fund be a party to the Agreement and receive the custody
                                services set forth in the Agreement and desire to amend the Agreement as set forth herein.</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; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in">C.</TD><TD STYLE="text-align: justify">This Background section is incorporated by reference into and made a
                                part of this 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; text-align: center"><B>TERMS:</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 parties hereby agree that:</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: 0.5in"></TD><TD STYLE="width: 0.5in">1.</TD><TD STYLE="text-align: justify">By executing this Agreement and Joinder,
                                            each Fund and BNY Mellon agrees to become a party to, and be bound by, and to comply with
                                            the terms of the Agreement in the same manner as if each of the undersigned were an original
                                            signatory to the Agreement. For the avoidance of doubt, each Fund listed on Schedule I shall
                                            be considered to have a separate agreement with BNY Mellon and hereby appoints BNY Mellon
                                            to provide custody services in accordance with the terms set forth in the Agreement. BNY
                                            Mellon accepts such appointment and agrees to furnish such services.</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: 0.5in"></TD><TD STYLE="width: 0.5in">2.</TD><TD STYLE="text-align: justify">Schedule I attached hereto, as may be amended
                                            from time to time, is hereby made a part of the Agreement.</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="text-align: right; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">EXECUTION</P>

<P STYLE="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 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"><FONT STYLE="font-size: 10pt">3.</FONT></TD><TD STYLE="text-align: justify"><U>Miscellaneous</U><FONT STYLE="font-size: 10pt">.</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: right"></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: 0.5in">(a)</TD><TD STYLE="text-align: justify">Capitalized terms not defined in this Amendment
                                            shall have the same meanings as set forth in the Agreement. In the event of a conflict between
                                            the terms hereof and the Agreement, this Amendment shall control.</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: 1in"></TD><TD STYLE="width: 0.5in">(b)</TD><TD STYLE="text-align: justify">As hereby amended and supplemented, the Agreement
                                            shall remain in full force and effect.</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: 1in"></TD><TD STYLE="width: 0.5in">(c)</TD><TD STYLE="text-align: justify">The Agreement, as amended hereby, constitutes
                                            the complete understanding and agreement of the parties with respect to the subject matter
                                            thereof and supersedes all prior communications with respect thereto.</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: 1in"></TD><TD STYLE="width: 0.5in">(d)</TD><TD STYLE="text-align: justify">This Amendment shall be governed by the laws
                                            of the State of New York, without regard to its principles of conflicts of laws.</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: 1in"></TD><TD STYLE="width: 0.5in">(e)</TD><TD STYLE="text-align: justify">The parties expressly agree that this Amendment
                                            may be executed in one or more counterparts and expressly agree that such execution may occur
                                            by manual signature on a physically delivered copy of this Amendment, by a manual signature
                                            on a copy of this Amendment transmitted by facsimile transmission, by a manual signature
                                            on a copy of Amendment transmitted as an imaged document attached to an email, or by &quot;Electronic
                                            Signature&quot;, which is hereby defined to mean inserting an image, representation or symbol
                                            of a signature into an electronic copy of this Amendment by electronic, digital or other
                                            technological methods. Each counterpart executed in accordance with the foregoing shall be
                                            deemed an original, with all such counterparts together constituting one and the same instrument.
                                            The exchange of executed counterparts of this Amendment or of executed signature pages&nbsp;to
                                            counterparts of this Amendment, in either case by facsimile transmission or as an imaged
                                            document attached to an email transmission, shall constitute effective execution and delivery
                                            of this Amendment and may be used for all purposes in lieu of a manually executed and physically
                                            delivered copy of this 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>
    <!-- Field: /Page -->

<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">EXECUTION</P>

<P STYLE="font: 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"><B>IN WITNESS WHEREOF</B>,
each of the parties hereto has caused this Amendment to be executed as of the Effective Date by its duly authorized representative indicated
below. An authorized representative, if executing this Amendment by Electronic Signature, affirms authorization to execute this Amendment
by Electronic Signature and that the Electronic Signature represents an intent to enter into this Amendment and an agreement with its
terms.</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font-size: 10pt; border-collapse: collapse; width: 100%">
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">DUFF&nbsp;&amp; PHELPS SELECT
    MLP AND<BR> MIDSTREAM ENERGY FUND INC.</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt; width: 50%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif; width: 5%"><FONT STYLE="font-size: 10pt">By:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; width: 45%">/s/ Suneeta Krishnan</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Name:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">Suneeta Krishnan</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Title:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
  </TABLE>


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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font-size: 10pt; border-collapse: collapse; width: 100%">
<TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">VIRTUS TOTAL RETURN FUND INC.</FONT></TD></TR>
<TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt; width: 50%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif; width: 5%"><FONT STYLE="font-size: 10pt">By:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; width: 45%">/s/ Suneeta Krishnan</TD></TR>
<TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Name:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">Suneeta Krishnan</TD></TR>
<TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Title:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">Vice President</TD></TR>
</TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font-size: 10pt; border-collapse: collapse; width: 100%">
<TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif"><B>VIRTUS GLOBAL MULTI-SECTOR INCOME FUND</B></TD></TR>
<TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt; width: 50%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif; width: 5%"><FONT STYLE="font-size: 10pt">By:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; width: 45%">/s/ Suneeta Krishnan</TD></TR>
<TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Name:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">Suneeta Krishnan</TD></TR>
<TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Title:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">Vice President</TD></TR>
</TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font-size: 10pt; border-collapse: collapse; width: 100%">
<TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif">VIRTUS ALLIANZGI ARTIFICIAL<BR>
    INTELLIGENCE&nbsp;&amp; TECHNOLOGY<BR>
    OPPORTUNITIES FUND</TD></TR>
<TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt; width: 50%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif; width: 5%"><FONT STYLE="font-size: 10pt">By:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; width: 45%">/s/ Suneeta Krishnan&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Name:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">Suneeta Krishnan</TD></TR>
<TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Title:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">Vice President</TD></TR>
</TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font-size: 10pt; border-collapse: collapse; width: 100%">
<TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif"><B>VIRTUS ALLIANZGI CONVERTIBLE&nbsp;&amp;<BR>
    INCOME 2024 TARGET TERM FUND</B></TD></TR>
<TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt; width: 50%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif; width: 5%"><FONT STYLE="font-size: 10pt">By:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; width: 45%">/s/ Suneeta Krishnan</TD></TR>
<TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Name:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">Suneeta Krishnan</TD></TR>
<TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Title:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">Vice President</TD></TR>
</TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font-size: 10pt; border-collapse: collapse; width: 100%">
<TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif"><B>VIRTUS ALLIANZGI CONVERTIBLE&nbsp;&amp; INCOME FUND</B></TD></TR>
<TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt; width: 50%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif; width: 5%"><FONT STYLE="font-size: 10pt">By:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; width: 45%">/s/ Suneeta Krishnan&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Name:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">Suneeta Krishnan</TD></TR>
<TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Title:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">Vice President</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="text-align: right; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">EXECUTION</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"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font-size: 10pt; border-collapse: collapse; width: 100%">
<TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif"><B>VIRTUS ALLIANZGI CONVERTIBLE&nbsp;&amp; INCOME FUND II</B></TD></TR>
<TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt; width: 50%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif; width: 5%"><FONT STYLE="font-size: 10pt">By:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; width: 45%">/s/ Suneeta Krishnan&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Name:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">Suneeta Krishnan</TD></TR>
<TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Title:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif"></TD></TR>
</TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font-size: 10pt; border-collapse: collapse; width: 100%">
<TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif"><B>VIRTUS ALLIANZGI DIVERSIFIED INCOME&nbsp;&amp; CONVERTIBLE
    FUND</B></TD></TR>
<TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt; width: 50%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif; width: 5%"><FONT STYLE="font-size: 10pt">By:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; width: 45%">/s/ Suneeta Krishnan&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Name:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">Suneeta Krishnan</TD></TR>
<TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Title:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">Vice President</TD></TR>
</TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font-size: 10pt; border-collapse: collapse; width: 100%">
<TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif"><B>VIRTUS ALLIANZGI EQUITY&nbsp;&amp; CONVERTIBLE INCOME FUND</B></TD></TR>
<TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt; width: 50%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif; width: 5%"><FONT STYLE="font-size: 10pt">By:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; width: 45%">/s/ Suneeta Krishnan&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Name:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">Suneeta Krishnan</TD></TR>
<TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Title:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">Vice President</TD></TR>
</TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font-size: 10pt; border-collapse: collapse; width: 100%">
<TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif"><B>VIRTUS DIVIDEND,&nbsp;INTEREST&nbsp;&amp; PREMIUM STRATEGY
    FUND</B></TD></TR>
<TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt; width: 50%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif; width: 5%"><FONT STYLE="font-size: 10pt">By:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; width: 45%">/s/ Suneeta Krishnan&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;</TD></TR>
<TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Name:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">Suneeta Krishnan</TD></TR>
<TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Title:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">Vice President</TD></TR>
</TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font-size: 10pt; border-collapse: collapse; width: 100%">
<TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif"><B>THE BANK OF NEW YORK MELLON</B></TD></TR>
<TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt; width: 50%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif; width: 5%"><FONT STYLE="font-size: 10pt">By:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; width: 45%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Name:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif"></TD></TR>
<TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Title:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif"></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="text-align: right; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">EXECUTION</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"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3.8in"><B>SCHEDULE 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">DUFF&nbsp;&amp; PHELPS SELECT MLP AND MIDSTREAM ENERGY 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">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">VIRTUS GLOBAL MULTI-SECTOR INCOME 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">VIRTUS ALLIANZGI ARTIFICIAL INTELLIGENCE&nbsp;&amp; TECHNOLOGY OPPORTUNITIES
FUND<SUP>1</SUP></P>

<P STYLE="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 ALLIANZGI CONVERTIBLE&nbsp;&amp; INCOME 2024 TARGET TERM FUND<SUP>1</SUP></P>

<P STYLE="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 ALLIANZGI CONVERTIBLE&nbsp;&amp; INCOME FUND<SUP>1</SUP></P>

<P STYLE="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 ALLIANZGI CONVERTIBLE&nbsp;&amp; INCOME FUND II<SUP>1</SUP></P>

<P STYLE="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 ALLIANZGI DIVERSIFIED INCOME&nbsp;&amp; CONVERTIBLE FUND<SUP>1</SUP></P>

<P STYLE="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 ALLIANZGI EQUITY&nbsp;&amp; CONVERTIBLE INCOME FUND<SUP>1</SUP></P>

<P STYLE="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 DIVIDEND,&nbsp;INTEREST&nbsp;&amp; PREMIUM STRATEGY FUND<SUP>1</SUP></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>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><SUP>1</SUP> As of conversion expected to be June&nbsp;14, 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>

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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.(J)(5)
<SEQUENCE>5
<FILENAME>tm228106d2_ex99j5.htm
<DESCRIPTION>EXHIBIT 99.(J)(5)
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
</HEAD>
<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

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

<P STYLE="margin: 0; text-align: right"><B>Exhibit (j)(5)</B></P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>CUSTODY 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; text-align: justify; text-indent: 0.5in">This Joinder Agreement and
Amendment (&ldquo;Amendment&rdquo;) dated April&nbsp;11, 2022 (&ldquo;Effective Date&rdquo;) is by and between each of Virtus Total Return
Fund Inc. (formerly, Virtus Global Dividend and Income Fund Inc.), Virtus Global Multi-Sector Income Fund, Virtus Stone Harbor Emerging
Markets Income Fund, and Virtus Stone Harbor Emerging Markets Total Income Fund (each, the &ldquo;Fund&rdquo; and collectively, the &ldquo;Funds&rdquo;)
and The Bank of New York Mellon (&ldquo;BNY Mellon&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"><B>BACKGROUND:</B></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; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">A.</TD><TD STYLE="text-align: justify">BNY Mellon and Duff&nbsp;&amp; Phelps Select
                                            MLP and Midstream Energy Fund Inc. (formerly, Duff&nbsp;&amp; Phelps Select Energy MLP Fund
                                            Inc.) (&ldquo;DSE&rdquo;) entered into a Custody Agreement dated as of May&nbsp;7, 2014 (the
                                            &ldquo;Agreement&rdquo;) relating to BNY Mellon&rsquo;s provision of custody services. A
                                            Joinder Agreement and Amendments to Custody Agreement were entered into between the parties
                                            on September&nbsp;5, 2017 and effective as of September&nbsp;11, 2017, November&nbsp;19,
                                            2019, and December&nbsp;1, 2020 for the purpose of amending the Agreement and adding certain
                                            Funds. DSE merged with and into a series of an open-end fund on June&nbsp;25, 2021, and is
                                            no longer a party to the Agreement.</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; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">B.</TD><TD STYLE="text-align: justify">Each Fund and BNY Mellon desire that each Fund
                                            be a party to the Agreement and receive the custody services set forth in the Agreement and
                                            desire to amend the Agreement as set forth herein.</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; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">C.</TD><TD STYLE="text-align: justify">This Background section is incorporated by
                                            reference into and made a part of this 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; text-align: center"><B>TERMS:</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 parties hereby agree that:</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; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">1.</TD><TD STYLE="text-align: justify">By executing this Amendment, each Fund
                                            and BNY Mellon agrees to become a party to, and be bound by, and to comply with the terms
                                            of the Agreement in the same manner as if each of the undersigned were an original signatory
                                            to the Agreement. For the avoidance of doubt, each investment company listed at Schedule
                                            I shall be considered to have a separate agreement with BNY Mellon and hereby appoints BNY
                                            Mellon to provide custody services in accordance with the terms set forth in the Agreement.
                                            BNY Mellon accepts such appointment and agrees to furnish such services.</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; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">2.</TD><TD STYLE="text-align: justify">Schedule I to the Agreement is hereby deleted
                                            in its entirety and replaced with Schedule I attached hereto.</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>

<!-- Field: Page; Sequence: 1 -->
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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"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">3.</TD><TD STYLE="text-align: justify"><U>Miscellaneous</U>.</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; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in">(a)</TD><TD STYLE="text-align: justify">Capitalized terms not defined in this Amendment
                                            shall have the same meanings as set forth in the Agreement. In the event of a conflict between
                                            the terms hereof and the Agreement, as to items described in this Amendment, this Amendment
                                            shall control.</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; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in">(b)</TD><TD STYLE="text-align: justify">As hereby amended and supplemented, the Agreement
                                            shall remain in full force and effect.</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; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in">(c)</TD><TD STYLE="text-align: justify">The Agreement, as amended hereby, constitutes
                                            the complete understanding and agreement of the parties with respect to the subject matter
                                            thereof and supersedes all prior communications with respect thereto.</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; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in">(d)</TD><TD STYLE="text-align: justify">This Amendment shall be governed by the laws
                                            of the State of New York, without regard to its principles of conflicts of laws.</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; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in">(e)</TD><TD STYLE="text-align: justify">The parties expressly agree that this Amendment
                                            may be executed in one or more counterparts and expressly agree that such execution may occur
                                            by manual signature on a physically delivered copy of this Amendment, by a manual signature
                                            on a copy of this Amendment transmitted by facsimile transmission, by a manual signature
                                            on a copy of Amendment transmitted as an imaged document attached to an email, or by &quot;Electronic
                                            Signature&quot;, which is hereby defined to mean inserting an image, representation or symbol
                                            of a signature into an electronic copy of this Amendment by electronic, digital or other
                                            technological methods. Each counterpart executed in accordance with the foregoing shall be
                                            deemed an original, with all such counterparts together constituting one and the same instrument.
                                            The exchange of executed counterparts of this Amendment or of executed signature pages&nbsp;to
                                            counterparts of this Amendment, in either case by facsimile transmission or as an imaged
                                            document attached to an email transmission, shall constitute effective execution and delivery
                                            of this Amendment and may be used for all purposes in lieu of a manually executed and physically
                                            delivered copy of this 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>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B>IN WITNESS WHEREOF</B>, each of the parties
hereto has caused this Amendment to be executed as of the Effective Date by its duly authorized representative indicated below. An authorized
representative, if executing this Amendment by Electronic Signature, affirms authorization to execute this Amendment by Electronic Signature
and that the Electronic Signature represents an intent to enter into this Amendment and an agreement with its terms.</P>

<P STYLE="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 CELLPADDING="0" CELLSPACING="0" STYLE="font-size: 10pt; border-collapse: collapse; width: 100%">
<TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">VIRTUS TOTAL RETURN FUND INC.</FONT></TD></TR>
<TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt; width: 50%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 5%"><FONT STYLE="font-size: 10pt">By:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; width: 45%">/s/ Suneeta Krishnan</TD></TR>
<TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Name:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">Suneeta Krishnan</TD></TR>
<TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Title:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">Vice President &amp; Assistant Treasurer</TD></TR>
</TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font-size: 10pt; border-collapse: collapse; width: 100%">
<TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif"><B>VIRTUS GLOBAL MULTI-SECTOR INCOME FUND</B></TD></TR>
<TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt; width: 50%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 5%"><FONT STYLE="font-size: 10pt">By:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; width: 45%">/s/ Suneeta Krishnan</TD></TR>
<TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Name:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">Suneeta Krishnan</TD></TR>
<TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Title:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">Vice President &amp; Assistant Treasurer</TD></TR>
</TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font-size: 10pt; border-collapse: collapse; width: 100%">
<TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif"><B>VIRTUS STONE HARBOR EMERGING MARKETS INCOME FUND</B></TD></TR>
<TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt; width: 50%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 5%"><FONT STYLE="font-size: 10pt">By:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; width: 45%">/s/ Suneeta Krishnan</TD></TR>
<TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Name:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">Suneeta Krishnan</TD></TR>
<TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Title:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">Vice President &amp; Assistant Treasurer</TD></TR>
</TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font-size: 10pt; border-collapse: collapse; width: 100%">
<TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif"><B>VIRTUS STONE HARBOR EMERGING MARKETS TOTAL INCOME FUND</B></TD></TR>
<TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt; width: 50%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 5%"><FONT STYLE="font-size: 10pt">By:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; width: 45%">/s/ Suneeta Krishnan</TD></TR>
<TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Name:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">Suneeta Krishnan</TD></TR>
<TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Title:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">Vice President &amp; Assistant Treasurer</TD></TR>
</TABLE>


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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font-size: 10pt; border-collapse: collapse; width: 100%">
<TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif"><B>THE BANK OF NEW YORK MELLON</B></TD></TR>
<TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt; width: 50%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 5%"><FONT STYLE="font-size: 10pt">By:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; width: 45%">/s/ <FONT STYLE="font-size: 10pt">Donald
    Brophy</FONT></TD></TR>
<TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Name:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Donald Brophy</FONT></TD></TR>
<TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Title:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">Vice President</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"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

<P STYLE="font: 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>SCHEDULE 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: justify; text-indent: 0.5in">THIS SCHEDULE I, amended and restated as of April&nbsp;11,
2022, is the Schedule I to that certain Custody Agreement dated as of May&nbsp;7, 2014, as amended, between each Fund on Schedule I and
The Bank of New York Mellon.</P>

<P STYLE="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>Funds:</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">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">Virtus Global Multi-Sector Income 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">Virtus Stone Harbor Emerging Markets Income 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">Virtus Stone Harbor Emerging Markets Total Income 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="margin: 0">&nbsp;</P>

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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.(K)(9)
<SEQUENCE>6
<FILENAME>tm228106d2_ex99k9.htm
<DESCRIPTION>EXHIBIT 99.(K)(9)
<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 (k)(9)</B></P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>SUB-ADMINISTRATION SERVICES 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; text-align: justify; text-indent: 0.5in">This Amendment (&ldquo;Amendment&rdquo;)
dated November&nbsp;19, 2019 by and between Virtus Fund Services, LLC (&ldquo;Virtus&rdquo;) and The Bank of New York Mellon (as assigned
from BNY Mellon Investment Servicing (US) Inc. on or about June&nbsp;30, 2017) (&ldquo;BNY Mellon&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"><B>BACKGROUND:</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">A.</TD><TD STYLE="text-align: justify">Virtus serves as administrator to the investment companies listed on Exhibit&nbsp;C to the Agreement (as
defined below) (each, a &ldquo;Fund&rdquo; and collectively the &ldquo;Funds&rdquo;).</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">B.</TD><TD STYLE="text-align: justify">BNY Mellon and Virtus entered into a Sub-Administration Services Agreement dated as of December&nbsp;9,
2011, as amended to date (the &ldquo;Agreement&rdquo;) relating to BNY Mellon's provision of services with respect to the 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"></TD><TD STYLE="width: 0.5in">C.</TD><TD STYLE="text-align: justify">On November&nbsp;18, 2019, Virtus Total
                                            Return Fund Inc. reorganized with and into Virtus Dividend&nbsp;&amp; Income Fund Inc., and
                                            the surviving Fund was renamed 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">D.</TD><TD STYLE="text-align: justify">The parties desire to amend the Agreement as set forth herein.</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">E.</TD><TD STYLE="text-align: justify">This Background section is incorporated by reference into and made a part of this 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; text-align: center"><B>TERMS:</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 parties hereby agree that:</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">1.</TD><TD>Exhibit&nbsp;C to the Agreement is hereby deleted and replaced in its
                                            entirety with Exhibit&nbsp;C attached hereto.</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">2.</TD><TD><U>Miscellaneous.</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: 1in"></TD><TD STYLE="width: 0.25in">(a)</TD><TD>As hereby amended and supplemented, the Agreement shall remain in full force and effect.</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 STYLE="text-align: justify">The Agreement, as amended hereby, constitutes the complete understanding and agreement of the parties
with respect to the subject matter hereof and supersedes all prior communications with respect thereto.</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"></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; text-align: justify">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.25in; text-align: left">(c)</TD><TD STYLE="text-align: justify">This Amendment may be executed in two or more counterparts,
each of which shall be deemed an original, but all of which together shall constitute one and the same instrument. The facsimile signature
of any party to this Amendment shall constitute the valid and binding execution hereof by such 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: 1in"></TD><TD STYLE="width: 0.25in">(d)</TD><TD STYLE="text-align: justify">This Amendment shall be governed by the laws of the State of Connecticut, without regard to its principles
of conflicts of 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; text-align: justify; text-indent: 0.5in"><B>IN WITNESS WHEREOF</B>,
the parties hereto have caused this Amendment to be executed by their duly authorized officers designated below on the date and year
first above written.</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><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><B>VIRTUS FUND SERVICES, LLC</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 50%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 5%"><FONT STYLE="font-size: 10pt">By:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; width: 45%">/s/ <FONT STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">Amy
    Hackett</FONT></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Name:</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Amy Hackett</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Title:&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Vice President and Assistant Treasurer</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>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%">
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><B>THE BANK OF NEW YORK MELLON</B></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 50%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 5%"><FONT STYLE="font-size: 10pt">By:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; width: 45%">/s/ <FONT STYLE="font-size: 10pt">Donald
    Brophy</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Name:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">Donald
Brophy</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Title:&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">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"></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"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>EXHIBIT&nbsp;</B></FONT>C</P>

<P STYLE="font: 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>FUNDS</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; text-align: center"><U>(Amended and Restated as of November&nbsp;19.
2019)</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">Virtus Total Return Fund Inc. (formerly, Virtus Global Dividend&nbsp;&amp;
Income 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"></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">&nbsp;</P>

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

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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.(K)(10)
<SEQUENCE>7
<FILENAME>tm228106d2_ex99k10.htm
<DESCRIPTION>EXHIBIT 99.(K)(10)
<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 (k)(10)</B></P>

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

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

<P STYLE="font: 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>AMENDMENT</B></P>

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

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><B>SUB-ADMINISTRATION SERVICES 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; text-align: justify; text-indent: 0.5in">This Amendment (&ldquo;Amendment&rdquo;)
dated December&nbsp;1, 2020 (&ldquo;Effective Date&rdquo;) by and between Virtus Fund Services, LLC (the &ldquo;Company&rdquo;) and The
Bank of New York Mellon (&ldquo;BNY Mellon&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"><B>BACKGROUND:</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">A.</TD><TD STYLE="text-align: justify">BNY Mellon and the Company entered into a Sub-Administration Services Agreement dated as of December&nbsp;9,
2011, as amended to date (the &ldquo;Agreement&rdquo;) relating to BNY Mellon&rsquo;s provision of services to 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">B.</TD><TD STYLE="text-align: justify">The parties desire to amend the Agreement as set forth herein.</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">C.</TD><TD STYLE="text-align: justify">This Background section is incorporated by reference into and made a part of this 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; text-align: center"><B>TERMS:</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 parties hereby agree that:</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">1.</TD><TD STYLE="text-align: justify">The first and second sentences of Section&nbsp;14(a)&nbsp;of the Agreement are hereby deleted and replaced
with the following: This Agreement shall continue through December&nbsp;1, 2024 (the &ldquo;Initial Term&rdquo;). Thereafter, this Agreement
shall continue automatically for successive terms of two (2)&nbsp;years each (each a &ldquo;Renewal Term&rdquo;), provided however, that
this Agreement may be terminated at the end of its Initial Term or at the end of a Renewal Term by BNY Mellon upon ninety (90) days&rsquo;
prior written notice to the Company, and by the Company upon 60 days&rsquo; prior written notice to BNY Mellon.</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">2.</TD><TD STYLE="text-align: justify">For clarity, as of the Effective Date of this Amendment the Agreement shall be deemed to be in its &ldquo;Initial
Term&rdquo; (as defined in Section&nbsp;1 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: 0.5in"></TD><TD STYLE="width: 0.5in">3.</TD><TD STYLE="text-align: justify"><U>Miscellaneous</U>.</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; text-align: justify">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.25in; text-align: left">(a)</TD><TD STYLE="text-align: justify">Capitalized terms not defined in this Amendment shall have the
same meanings as set forth in the Agreement. In the event of a conflict between the terms hereof and the Agreement, as to items described
in this Amendment, this Amendment shall 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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    <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: right">EXECUTION</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">(b)</TD><TD STYLE="text-align: justify">As hereby amended and supplemented, the Agreement shall remain in full force and effect.</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: 1in"></TD><TD STYLE="width: 0.25in">(c)</TD><TD STYLE="text-align: justify">The Agreement, as amended hereby, constitutes the complete understanding and agreement of the parties
with respect to the subject matter thereof and supersedes all prior communications with respect thereto.</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: 1in"></TD><TD STYLE="width: 0.25in">(d)</TD><TD STYLE="text-align: justify">The parties expressly agree that this Amendment may be executed in one or more counterparts and expressly
agree that such execution may occur by manual signature on a physically delivered copy of this Amendment, by a manual signature on a copy
of this Amendment transmitted by facsimile transmission, by a manual signature on a copy of Amendment transmitted as an imaged document
attached to an email, or by &quot;Electronic Signature&quot;, which is hereby defined to mean inserting an image, representation or symbol
of a signature into an electronic copy of this Amendment by electronic, digital or other technological methods. Each counterpart executed
in accordance with the foregoing shall be deemed an original, with all such counterparts together constituting one and the same instrument.
The exchange of executed counterparts of this Amendment or of executed signature pages&nbsp;to counterparts of this Amendment, in either
case by facsimile transmission or as an imaged document attached to an email transmission, shall constitute effective execution and delivery
of this Amendment and may be used for all purposes in lieu of a manually executed and physically delivered copy of this Amendment.</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: 1in"></TD><TD STYLE="width: 0.25in">(e)</TD><TD STYLE="text-align: justify">This Amendment shall be governed by the laws of the State of New York, without regard to its principles
of conflicts of 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; text-align: center">[Signature page&nbsp;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"></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; text-align: right; margin: 0pt 0">EXECUTION</P>

<P STYLE="font: 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"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>IN
WITNESS WHEREOF</B></FONT>, each of the parties hereto has caused this Amendment to be executed as of the Effective Date by its duly authorized
representative indicated below. An authorized representative, if executing this Amendment by Electronic Signature, affirms authorization
to execute this Amendment by Electronic Signature and that the Electronic Signature represents an intent to enter into this Amendment
and an agreement with its terms.</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; text-align: right"></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><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><B>VIRTUS FUND SERVICES, LLC</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 50%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 5%"><FONT STYLE="font-size: 10pt">By:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; width: 45%">/s/ <FONT STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">W.
    Patrick Bradley</FONT></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Name:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">W. Patrick Bradley</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Title:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Executive Vice President</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><B>THE BANK OF NEW YORK MELLON</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">By:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">/s/ <FONT STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">Donald
    Brophy</FONT></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Name:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Donald Brophy</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Title:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Vice President</FONT></TD></TR>
  </TABLE>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 2.75in"><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"></P>

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    <!-- Field: /Page -->

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

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

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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.(K)(17)
<SEQUENCE>8
<FILENAME>tm228106d2_ex99k17.htm
<DESCRIPTION>EXHIBIT 99.(K)(17)
<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 (k)(17)</B></P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>ACCOUNTING SERVICES 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; text-align: justify; text-indent: 0.5in">This Amendment (&quot;Amendment&quot;)
dated November&nbsp;19, 2019 by and between each of the registrants set out on Schedule I to the Agreement (as defined below) (each, a
 &quot;Fund&quot; and collectively, the &quot;Funds&quot;) and The Bank of New York Mellon (as assigned from BNY Mellon Investment Servicing
(US) Inc. on or about June&nbsp;30, 2017) (&quot;BNY Mellon&quot;).</P>

<P STYLE="font: 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>BACKGROUND:</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">A.</TD><TD STYLE="text-align: justify">BNY Mellon and Virtus Total Return Fund Inc. (formerly, Virtus Total Return Fund) entered into an Accounting
Services Agreement dated as of December&nbsp;9, 2011, as amended (the <B>&quot;Agreement&quot;) </B>relating to BNY Mellon's provision
of accounting services.</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">B.</TD><TD STYLE="text-align: justify">A Joinder Agreement and Amendments to Accounting Services Agreement were entered into among the parties
on September&nbsp;7, 2016, December&nbsp;2, 2016, and June&nbsp;16, 2017, for the purpose <B>of </B>amending the Agreement and adding
certain Funds, including Virtus Global Dividend&nbsp;&amp; Income 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">C.</TD><TD STYLE="text-align: justify">Virtus Total Return Fund Inc. reorganized with and into Virtus Global Dividend&nbsp;&amp; Income Fund
Inc. and the surviving Fund was renamed Virtus Total Return Fund Inc. effective November&nbsp;18, 2019.</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">D.</TD><TD STYLE="text-align: justify">The parties desire to amend the Agreement as set forth herein.</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">E.</TD><TD STYLE="text-align: justify">This Background section is incorporated by reference into and made a part of this 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; text-align: center"><B>TERMS:</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 parties hereby agree that:</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">1.</TD><TD STYLE="text-align: justify">The former Virtus Total Return Fund Inc. is hereby removed as a party to the Agreement as of its reorganization
with and into the new Virtus Total Return Fund Inc. (formerly, Virtus Global Dividend and Income Fund Inc.).</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: 0.5in"></TD><TD STYLE="width: 0.5in">2.</TD><TD STYLE="text-align: justify">Schedule I to the Agreement is hereby deleted and replaced in its entirety with Schedule I attached hereto.</TD></TR><TR STYLE="vertical-align: top">
<TD>&nbsp;</TD><TD>&nbsp;</TD><TD STYLE="text-align: justify">&nbsp;</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 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">&nbsp;</TD><TD STYLE="width: 0.5in"><FONT STYLE="font-size: 10pt; font-style: normal; font-weight: normal">3.</FONT></TD><TD STYLE="text-align: justify"><U>Miscellaneous</U>.</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: 1in"></TD><TD STYLE="width: 0.25in">(a)</TD><TD STYLE="text-align: justify">As hereby amended and supplemented, the Agreement shall remain in full force and effect.</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 STYLE="text-align: justify">The Agreement, as amended hereby, constitutes the complete understanding and agreement of the parties
with respect to the subject matter hereof and supersedes all prior communications with respect thereto.</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"><FONT STYLE="font-style: normal; font-weight: normal">(c)</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-style: normal; font-weight: normal">This
                                            Amendment may be executed in two or more counterparts, each of which shall be deemed an original,
                                            but all of which together shall constitute one and the same instrument. The facsimile signature
                                            of any party to this Amendment shall constitute the valid and binding execution hereof by
                                            such party.</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: 1in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-style: normal; font-weight: normal">(d)</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-style: normal; font-weight: normal">This
                                            Amendment shall be governed by the laws of the State of New York, without regard to its principles
                                            of conflicts of laws.</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; text-align: justify; text-indent: 0.5in"><B>IN WITNESS WHEREOF</B>,
the parties hereto have caused this Amendment to be executed by their duly authorized officers designated below on the date and year
first above written.</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="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">VIRTUS TOTAL RETURN FUND INC.
    <BR>
(formerly, VIRTUS GLOBAL DIVIDEND&nbsp;&amp; INCOME FUND INC.)</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt; width: 50%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 5%"><FONT STYLE="font-size: 10pt">By:&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; width: 45%">/s/
    Amy Hackett</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Name: </FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Amy Hackett</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Title:</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Vice President and Assistant Treasurer&nbsp;&nbsp;&nbsp;&nbsp;</FONT></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%">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">THE BANK OF NEW YORK MELLON</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt; width: 50%"><FONT STYLE="font-style: normal; font-weight: normal">&nbsp;</FONT></TD>
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif; width: 5%"><FONT STYLE="font-size: 10pt; font-style: normal; font-weight: normal">By:&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif; width: 45%"><FONT STYLE="font-style: normal; font-weight: normal">/s/ Donald
    Brophy</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-style: normal; font-weight: normal">&nbsp;</FONT></TD>
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt; font-style: normal; font-weight: normal">Name:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif"><FONT STYLE="font-style: normal; font-weight: normal">Donald Brophy</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-style: normal; font-weight: normal">&nbsp;</FONT></TD>
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt; font-style: normal; font-weight: normal">Title:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt; font-style: normal; font-weight: normal">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"></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>SCHEDULE 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"><U>FUNDS</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><U>(Amended and Restated as of November&nbsp;18,
2019)</U></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">Virtus Total Return Fund Inc. (formerly, Virtus Global Dividend&nbsp;&amp;
Income 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"></P>

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

</BODY>
</HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.(K)(18)
<SEQUENCE>9
<FILENAME>tm228106d2_ex99k18.htm
<DESCRIPTION>EXHIBIT 99.(K)(18)
<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 (k)(18)</B></P>

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

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

<P STYLE="font: 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>AMENDMENT</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>ACCOUNTING SERVICES 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; text-align: justify; text-indent: 0.5in">This Amendment (&ldquo;Amendment&rdquo;)
dated December&nbsp;1, 2020 (&ldquo;Effective Date&rdquo;) is by and between Virtus Total Return Fund Inc. (the &ldquo;Fund&rdquo;) and
The Bank of New York Mellon (&ldquo;BNY Mellon&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"><B>BACKGROUND:</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">A.</TD><TD STYLE="text-align: justify">BNY Mellon and the Fund entered into an Accounting Services Agreement dated as of December&nbsp;9, 2011,
as amended to date (the &ldquo;Agreement&rdquo;) relating to BNY Mellon&rsquo;s provision of accounting services.</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">B.</TD><TD STYLE="text-align: justify">The parties desire to amend the Agreement as set forth herein.</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">C.</TD><TD STYLE="text-align: justify">This Background section is incorporated by reference into and made a part of this 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; text-align: center"><B>TERMS:</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 parties hereby agree that:</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 STYLE="text-align: justify">The first and second sentences of Section&nbsp;15(a)&nbsp;of the Agreement are hereby deleted and replaced
with the following: This Agreement shall continue through December&nbsp;1, 2024 (the &ldquo;Initial Term&rdquo;). Thereafter, this Agreement
shall continue automatically for successive terms of two (2)&nbsp;years each (each a &ldquo;Renewal Term&rdquo;), provided however, that
this Agreement may be terminated at the end of its Initial Term or at the end of a Renewal Term by BNY Mellon upon ninety (90) days&rsquo;
prior written notice to the Fund, and by the Fund upon 60 days&rsquo; prior written notice to BNY Mellon.</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 STYLE="text-align: justify">For clarity, as of the effective date of this Amendment the Agreement shall be deemed to be in its &ldquo;Initial
Term&rdquo; (as defined in Section&nbsp;1 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"></TD><TD STYLE="width: 0.5in">3.</TD><TD STYLE="text-align: justify"><U>Miscellaneous</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 STYLE="text-align: justify">Capitalized terms not defined in this Amendment shall have the same meanings as set forth in the Agreement.
In the event of a conflict between the terms hereof and the Agreement, this Amendment shall control.</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 STYLE="text-align: justify">As hereby amended and supplemented, the Agreement shall remain in full force and effect.</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: right">EXECUTION</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: 0.5in"></TD><TD STYLE="width: 0.5in">(c)</TD><TD STYLE="text-align: justify">The Agreement, as amended hereby, constitutes the complete understanding and agreement of the parties
with respect to the subject matter thereof and supersedes all prior communications with respect thereto.</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: 0.5in"></TD><TD STYLE="width: 0.5in">(d)</TD><TD STYLE="text-align: justify">The parties expressly agree that this Amendment may be executed in one or more counterparts and expressly
agree that such execution may occur by manual signature on a physically delivered copy of this Amendment, by a manual signature on a copy
of this Amendment transmitted by facsimile transmission, by a manual signature on a copy of Amendment transmitted as an imaged document
attached to an email, or by &quot;Electronic Signature&quot;, which is hereby defined to mean inserting an image, representation or symbol
of a signature into an electronic copy of this Amendment by electronic, digital or other technological methods. Each counterpart executed
in accordance with the foregoing shall be deemed an original, with all such counterparts together constituting one and the same instrument.
The exchange of executed counterparts of this Amendment or of executed signature pages&nbsp;to counterparts of this Amendment, in either
case by facsimile transmission or as an imaged document attached to an email transmission, shall constitute effective execution and delivery
of this Amendment and may be used for all purposes in lieu of a manually executed and physically delivered copy of this Amendment.</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: 0.5in"></TD><TD STYLE="width: 0.5in">(e)</TD><TD STYLE="text-align: justify">This Amendment shall be governed by the laws of the State of New York, without regard to its principles
of conflicts of 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; text-align: center">[Signature page&nbsp;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"></P>

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<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 0pt 5in">EXECUTION</P>

<P STYLE="font: 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"><B>IN WITNESS WHEREOF</B>,
each of the parties hereto has caused this Amendment to be executed as of the Effective Date by its duly authorized representative indicated
below. An authorized representative, if executing this Amendment by Electronic Signature, affirms authorization to execute this Amendment
by Electronic Signature and that the Electronic Signature represents an intent to enter into this Amendment and an agreement with its
terms.</P>

<P STYLE="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 CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><B>&nbsp;</B></TD>
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif"><B>VIRTUS TOTAL RETURN FUND INC.</B></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt; width: 50%"><FONT STYLE="font-style: normal; font-weight: normal">&nbsp;</FONT></TD>
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif; width: 5%"><FONT STYLE="font-style: normal; font-weight: normal">By:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif; width: 45%"><FONT STYLE="font-style: normal; font-weight: normal">/s/
    <FONT STYLE="font-family: Times New Roman, Times, Serif">W. Patrick Bradley</FONT></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-style: normal; font-weight: normal">&nbsp;</FONT></TD>
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif"><FONT STYLE="font-style: normal; font-weight: normal">Name:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-style: normal; font-weight: normal">W.
    Patrick Bradley</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-style: normal; font-weight: normal">&nbsp;</FONT></TD>
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif"><FONT STYLE="font-style: normal; font-weight: normal">Title:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif"><FONT STYLE="font-style: normal; font-weight: normal">EVP, Chief Financial
    Officer&nbsp;&amp; Treasurer</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>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif"><B>THE BANK OF NEW YORK MELLON</B></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt; width: 50%"><FONT STYLE="font-style: normal; font-weight: normal">&nbsp;</FONT></TD>
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif; width: 5%"><FONT STYLE="font-style: normal; font-weight: normal">By:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif; width: 45%"><FONT STYLE="font-style: normal; font-weight: normal">/s/
Donald Brophy</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-style: normal; font-weight: normal">&nbsp;</FONT></TD>
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif"><FONT STYLE="font-style: normal; font-weight: normal">Name:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif"><FONT STYLE="font-style: normal; font-weight: normal">Donald Brophy</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-style: normal; font-weight: normal">&nbsp;</FONT></TD>
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif"><FONT STYLE="font-style: normal; font-weight: normal">Title:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-style: normal; font-weight: normal">Vice
    President</FONT></TD></TR>
  </TABLE>
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<DOCUMENT>
<TYPE>EX-99.(K)(19)
<SEQUENCE>10
<FILENAME>tm228106d2_ex99k19.htm
<DESCRIPTION>EXHIBIT 99.(K)(19)
<TEXT>
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<P STYLE="text-align: justify; margin-top: 0; margin-bottom: 0; margin-left: 0">&nbsp;</P>

<P STYLE="margin-top: 0; margin-bottom: 0; margin-left: 0; text-align: right"><B>Exhibit (k)(19)</B></P>

<P STYLE="margin-top: 0; margin-bottom: 0; margin-left: 0; text-align: right"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0"><IMG SRC="tm228106d1_ex99k15img001.jpg" ALT=""></P>

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

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

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B>Computershare Trust Company, N.A.</B></P>

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

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

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0">This <B>SUBSCRIPTION AGENT AGREEMENT</B> (this &ldquo;<B>Agreement</B>&rdquo;),
dated as of [<B>DATE</B>] (the &ldquo;<B>Effective Date</B>&rdquo;), is by and between Virtus Total Return Fund Inc, a [<B>STATE</B>]
corporation (&quot;<B>Company</B>&quot;), and Computershare Trust Company, N.A., a federally chartered trust company (&ldquo;<B>Trust
Company</B>&rdquo;), and Computershare Inc., a Delaware corporation (&ldquo;<B>Computershare</B>&rdquo;, and together with Trust Company,
 &ldquo;<B>Agent</B>&rdquo;).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0"><B>1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Appointment</U>.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0">1.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Company
is making an offer (the &ldquo;<B>Subscription Offer</B>&rdquo;) to issue to holders of record of its outstanding shares of common stock,
par value $____ per share (the &ldquo;<B>Common Stock</B>&rdquo;), at the close of business on ___________ (the &ldquo;<B>Record Date</B>&rdquo;),
the right to subscribe for and purchase (each, a &ldquo;<B>Right</B>&rdquo;, and collectively, the &ldquo;<B>Rights</B>&rdquo;) shares
of common stock (the &ldquo;<B>Additional Common Stock</B>&rdquo;) at a purchase price of $______ per share of the Additional Common
Stock (the &ldquo;<B>Subscription Price</B>&rdquo;), payable as described on the Subscription Form&nbsp;(as defined below) sent to eligible
shareholders, upon the terms and conditions set forth herein. The term &ldquo;<B>Subscribed</B>&rdquo; shall mean submitted for purchase
from Company by a stockholder in accordance with the terms of the Subscription Offer, and the term &ldquo;<B>Subscription(s)</B>&rdquo;
shall mean any such submission. Company hereby appoints Agent to act as subscription agent in connection with the Subscription Offer
and Agent hereby accepts such appointment in accordance with and subject to the terms and conditions of this Agreement.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0">1.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Subscription Offer will expire at _________, Eastern Time, on _______________ (the &ldquo;<B>Expiration Time</B>&rdquo;), unless Company
shall have extended the period of time for which the Subscription Offer is open, in which event the term &ldquo;<B>Expiration Time</B>&rdquo;
shall mean the latest time and date at which the Subscription Offer, as so extended by Company from time to time, shall expire.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0">1.3&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Company
filed a registration statement relating to the Additional Common Stock with the Securities and Exchange Commission under the Securities
Act of 1933, as amended (the &ldquo;<B>1933 Act</B>&rdquo;), on _____________, and such registration statement was declared effective
on ____________. The terms of the Additional Common Stock are more fully described in the prospectus forming a part of the registration
statement as it was declared effective. All terms used and not defined herein shall have the same meaning(s)&nbsp;as in the prospectus.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0">1.4&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Promptly
after the Record Date, Company will furnish Agent with, or will instruct Agent, in its capacity as transfer agent for Company, to prepare,
a certified list in a format acceptable to Agent of holders of record of the Common Stock at the Record Date, including each such holder&rsquo;s
name, address, taxpayer identification number (&ldquo;<B>TIN</B>&rdquo;), share amount with applicable tax lot detail, any certificate
detail and information regarding any applicable account stops or blocks (the &ldquo;<B>Record Stockholders List</B>&rdquo;).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0">1.5&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;No
later than the earlier of (i)&nbsp;forty-five (45) days after the Record Date or (ii)&nbsp;January&nbsp;15 of the year following the
year in which the Record Date occurs, Company shall deliver to Agent written direction on the adjustment of cost basis for covered securities
that arise from or are affected by the Subscription Offer in accordance with current Internal Revenue Service regulations (see the Tax
Instruction/Cost Basis Information Letter attached hereto as Exhibit&nbsp;B for additional information)</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0"><B>2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Subscription
of Rights</U>.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0">2.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Rights entitle the holders to subscribe, upon payment of the Subscription Price, for shares of the Additional Common Stock at the rate
of ____ share(s)&nbsp;for each Right (the &ldquo;<B>Basic Subscription Privilege</B>&rdquo;). No fractional Rights will be issued, but
the Subscription Offer includes a step-up privilege entitling the holder of fewer than ____ Rights to subscribe for and pay the Subscription
Price for one full share of the Common Stock.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0">2.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If
subscribing shareholders who exercise their Rights in full are entitled to exercise an oversubscription right, then Company shall provide
Agent with instructions regarding the allocation to such shareholders of the Additional Common Stock after the initial allocation thereof.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0">2.3&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Except
as otherwise indicated to Agent by Company in writing, all of the Common Stock delivered hereunder upon the exercise of the Rights will
be delivered free of restrictive legends. Company shall, if applicable, inform Agent as soon as possible in advance as to whether any
Common Stock issued hereunder is to be issued with restrictive legend(s)&nbsp;and, if so, Company shall provide the appropriate legend(s)&nbsp;and
a list identifying the affected shareholders, certificate numbers (if applicable) and share amounts for such affected shareholders.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0; text-align: justify"><FONT STYLE="font-size: 10pt"><B>3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT><B><U>Duties
of Subscription Agent</U>.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0">3.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Agent
shall issue the Rights in accordance with this Agreement in the names of the holders of the Common Stock of record on the Record Date,
keep such records as are necessary for the purpose of recording such issuance(s), and furnish a copy of such records to Company.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0">3.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Promptly
after Agent receives the Record Stockholders List, Agent shall:</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0.75in">(a)&nbsp;mail or cause to be mailed, by first class mail,
to each holder of the Common Stock of record on the Record Date whose address of record is within the United States of America and Canada,
(i)&nbsp;a subscription form with respect to the Rights to which such stockholder is entitled under the Subscription Offer (the &ldquo;<B>Subscription
Form</B>&rdquo;), a form of which is attached hereto as Exhibit&nbsp;A, (ii)&nbsp;a copy of the prospectus and (iii)&nbsp;a return envelope
addressed to Agent.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0.75in">(b)&nbsp;At the direction of Company, mail or cause to
be mailed, to each holder of the Common Stock of record on the Record Date whose address of record is outside the United States of America
and Canada, or is an A.P.O.&nbsp;or a F.P.O.&nbsp;address, a copy of the prospectus. Agent shall refrain from mailing the Subscription
Form&nbsp;to any holder of the Common Stock of record on the Record Date whose address of record is outside the United States of America
and Canada, or is an A.P.O.&nbsp;or a F.P.O.&nbsp;address, and hold such Subscription Form&nbsp;for the account of such stockholder subject
to such stockholder making satisfactory arrangements with Agent for the exercise or other disposition of the Rights described therein,
and effect the exercise, sale or delivery of such Rights in accordance with the terms of this Agreement if notice of such arrangements
is received at or before 11:00 a.m., Eastern Time, on __________. In the event that a request to exercise the Rights is received from
such a holder, Agent will consult with Company for instructions as to the number of shares of the Additional Common Stock, if any, Agent
is authorized to issue.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0.75in">(c)&nbsp;Upon request by Company, Agent shall mail or deliver
a copy of the prospectus (i)&nbsp;to each assignee or transferee of the Rights upon receiving appropriate documentation satisfactory
to Agent to register the assignment or transfer thereof and (ii)&nbsp;with shares of the Additional Common Stock when such are issued
to persons other than the registered holder of the Rights.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0.75in">(d)&nbsp;Agent shall accept Subscriptions upon the due
exercise of the Rights (including payment of the Subscription Price) on or prior to the Expiration Time in accordance with the Subscription
Form.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0.75in">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Agent
shall accept Subscriptions, without further authorization or direction from Company, without procuring supporting legal papers or other
proof of authority to sign (including, without limitation, proof of appointment of a fiduciary or other person acting in a representative
capacity), and without signatures of co-fiduciaries, co-representatives or any other person:</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.5in">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If
the Right is registered in the name of a fiduciary and the Subscription Form&nbsp;is executed by such fiduciary, provided, that the Additional
Common Stock is to be issued in the name of such fiduciary;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.5in">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If
the Right is registered in the name of joint tenants and the Subscription Form&nbsp;is executed by one of the joint tenants, provided,
that the Additional Common Stock is to be issued in the names of such joint tenants; or</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.5in">(iii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If
the Right is registered in the name of a corporation and the Subscription Form&nbsp;is executed by a person in a manner which appears
or purports to be done in the capacity of an officer or agent thereof, provided, that the Additional Common Stock is to be issued in
the name of such corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 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="text-align: justify; width: 0.5in"></TD><TD STYLE="text-align: justify; width: 0.25in">(f)</TD><TD STYLE="text-align: justify">Each document received by Agent relating to its duties hereunder
                                            shall be dated and time stamped when received at the applicable address(es) as outlined in
                                            the offering documents.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 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="text-align: justify; width: 0.5in"></TD><TD STYLE="text-align: justify; width: 0.25in">(g)</TD><TD STYLE="text-align: justify">Agent shall, absent specific and mutually agreed upon instructions
                                            between Agent and Company, follow its normal and customary procedures with respect to the
                                            acceptance or rejection of all Subscriptions received after the Expiration Time. Subscriptions
                                            not authorized to be accepted pursuant to this Section&nbsp;3 and Subscriptions otherwise
                                            failing to comply with the terms and conditions of the Subscription Form&nbsp;will be rejected
                                            and returned to the applicable shareholder.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 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="text-align: justify; width: 0.5in"></TD><TD STYLE="text-align: justify; width: 0.25in">(h)</TD><TD STYLE="text-align: justify">Company shall provide an opinion of counsel prior to the Expiration
                                            Time to set up a reserve of the Additional Common Stock. The opinion shall state that all
                                            of the Additional Common Stock, or the transactions in which they are being issued, as applicable,
                                            are:</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 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="text-align: justify; width: 1.25in"></TD><TD STYLE="text-align: justify; width: 0.25in">(i)</TD><TD STYLE="text-align: justify">Registered, or subject to a valid exemption from registration, under
                                            the 1933 Act, and all appropriate state securities law filings have been made with respect
                                            to the Additional Common Stock, or alternatively, that the shares of the Additional Common
                                            Stock are &ldquo;covered securities&rdquo; under Section&nbsp;18 of the 1933 Act; and</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 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="text-align: justify; width: 1.25in"></TD><TD STYLE="text-align: justify; width: 0.25in">(ii)</TD><TD STYLE="text-align: justify">Validly issued, fully paid and non-assessable.</TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0"><FONT STYLE="font-size: 10pt"><B>4.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT><B><U>Acceptance
of Subscriptions</U>.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0"><FONT STYLE="font-size: 10pt">4.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>Following
Agent&rsquo;s first receipt of Subscriptions, on each business day, or more frequently if reasonably requested as to major tally figures,
forward a report by email to [________________] (the &ldquo;<B>Company Representative</B>&rdquo;) as to the following information, based
upon a preliminary review (and at all times subject to a final determination by Company) as of the close of business on the preceding
business day or the most recent practicable time prior to such request, as the case may be: (i)&nbsp;the total number of shares of the
Additional Common Stock Subscribed for; (ii)&nbsp;the total number of the Rights sold; (iii)&nbsp;the total number of the Rights partially
Subscribed for; (iv)&nbsp;the amount of funds received; and (v)&nbsp;the cumulative totals in categories (i)&nbsp;through (iv), above.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0">4.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;As
promptly as possible following the Expiration Time, advise the Company Representative by email of (i)&nbsp;the number of shares of the
Additional Common Stock Subscribed for and (ii)&nbsp;the number of shares of the Additional Common Stock unsubscribed for.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0; text-align: justify"><B>5.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>DEPOSIT
OF FUNDS.</U></B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0; text-align: justify">5.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;All
funds received by Computershare pursuant to this Agreement that are to be distributed or applied by Computershare in accordance with
the terms of this Agreement (the &ldquo;<B>Funds</B>&rdquo;) shall be delivered to Computershare by 9:00 a.m.&nbsp;Eastern Time (&ldquo;<B>ET</B>&rdquo;)
and in no event later than 12:00 p.m.&nbsp;ET on the Redemption Date. Funding after 9:00 a.m.&nbsp;but before 12:00 p.m.&nbsp;on the
Redemption Date may cause delays in payments to be made on the Redemption Date. Delivery of the Funds on any day after 12:00 p.m.&nbsp;ET
will be subject to the terms of Section&nbsp;5, below. Once received by Computershare, the Funds shall be held by Computershare as agent
for Company. Until paid or distributed in accordance with this Agreement, the Funds shall be deposited in one or more bank accounts to
be maintained by Computershare in its name as agent for Company. Until paid pursuant to this Agreement, Computershare may hold or invest
the Funds through such accounts in: (i)&nbsp;bank accounts, short term certificates of deposit, bank repurchase agreements, and disbursement
accounts with commercial banks with Tier 1 capital exceeding $1 billion or with an average rating above investment grade by S&amp;P (LT
Local Issuer Credit Rating), Moody&rsquo;s (Long Term Rating) and Fitch Ratings,&nbsp;Inc. (LT Issuer Default Rating) (each as reported
by Bloomberg Finance L.P.), (ii)&nbsp;cash management sweeps to AAA fixed NAV money market funds that comply with Rule&nbsp;2a-7 of the
Investment Company Act of 1940, (iii)&nbsp;funds backed by obligations of, or guaranteed by, the United States of America, municipal
securities, or (iv)&nbsp;debt or commercial paper obligations rated A-1 or P-1 or better by S&amp;P Global Inc. (&ldquo;<B>S&amp;P</B>&rdquo;)
or Moody's Investors Service,&nbsp;Inc. (&ldquo;<B>Moody&rsquo;s</B>&rdquo;), respectively.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0; text-align: justify">5.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Computershare
will only draw upon the Funds in such account(s)&nbsp;as required from time to time in order to make the payments for the Shares and
any applicable tax withholding payments. Computershare shall have no responsibility or liability for any diminution of the Funds that
may result from any deposit or investment made by Computershare in accordance with this Section&nbsp;3, including any losses resulting
from a default by any bank, financial institution or other third party.&nbsp; Computershare may from time to time receive interest, dividends
or other earnings in connection with such deposits.&nbsp; Computershare shall not be obligated to pay such interest, dividends or earnings
to Company, any holder or any other party.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0; text-align: justify">5.3&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Computershare is acting as Agent hereunder
and is not a debtor of Company in respect of the Funds.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0; text-align: justify">5.4&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In
the case of late-day funding, which means delivery of the Funds to Computershare after 12:00 p.m.&nbsp;ET on any day, regardless of whether
such funding occurs prior to, or after, the Redemption Date as set forth in Section&nbsp;5.1, above (&ldquo;<B>Late-Day Funding</B>&rdquo;),
Federal Deposit Insurance or other bank liquidity charges may apply in connection with the overnight deposit of the Funds with commercial
banks. The parties hereto agree that any such charges assessed as a result of Late-Day Funding will be charged to Company and Company
hereby agrees to pay such charges.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0; text-align: justify">5.5&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Company
agrees to deliver the Funds by wire to the account(s)&nbsp;listed on the attached Exhibit&nbsp;B, which may be amended in writing from
time to time.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0"><FONT STYLE="font-size: 10pt"><B>6.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT><B><U>Completion
of Subscription Offer</U>.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0">6.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Upon
completion of the Subscription Offer, Agent shall request the transfer agent for the Common Stock to issue the appropriate number of
shares of the Additional Common Stock as required in order to effectuate the Subscriptions.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0">6.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Rights shall be issued in registered, book-entry form only. Agent shall keep books and records of the registration, transfer and exchange
of the Rights (the &ldquo;<B>Rights Register</B>&rdquo;).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0">6.3&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;All
of the Rights issued upon any registration of transfer or exchange of the Rights shall be the valid obligations of Company, evidencing
the same obligations and entitled to the same benefits under this Agreement as the Rights surrendered for such registration of transfer
or exchange; provided, that until such transfer or exchange is registered in the Rights Register, Company and Agent may treat the registered
holder thereof as the owner for all purposes.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0">6.4&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;For
so long as this Agreement shall be in effect, Company will reserve for issuance and keep available free from preemptive rights a sufficient
number of shares of the Additional Common Stock to permit the exercise in full of all of the Rights issued pursuant to the Subscription
Offer.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0">6.5&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Company
shall take any and all action, including, without limitation, obtaining the authorization, consent, lack of objection, registration or
approval of any governmental authority, or the taking of any other action under the laws of the United States of America or any political
subdivision thereof, to insure that all of the shares of the Additional Common Stock issuable upon the exercise of the Rights (subject
to payment of the Subscription Price) will be duly and validly issued and fully paid and non-assessable shares of the Common Stock, free
from all preemptive rights and taxes, liens, charges and security interests created by or imposed upon Company with respect thereto.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0">6.6&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Company
shall, from time to time, take all action necessary or appropriate to obtain and keep effective all registrations, permits, consents
and approvals of the Securities and Exchange Commission and any other governmental agency or authority and make such filings under federal
and state laws, which may be necessary or appropriate in connection with the issuance, sale, transfer and delivery of the Rights or the
Additional Common Stock issued upon the exercise of the Rights.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0"><FONT STYLE="font-size: 10pt"><B>7.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT><B><U>Procedure
for Discrepancies</U>.</B> Agent shall follow its regular procedures to attempt to reconcile any discrepancies between the number of
shares of Additional Common Stock that any Subscription Form&nbsp;may indicate are to be issued to a stockholder upon the exercise of
the Rights and the number that the Record Stockholders List indicates may be issued to such stockholder. In any instance where Agent
cannot reconcile such discrepancies by following such procedures, Agent will consult with Company for instructions as to the number of
shares of Additional Common Stock, if any, Agent is authorized to issue. In the absence of such instructions, Agent is authorized not
to issue any shares of Additional Common Stock to such stockholder and will return to the subscribing stockholder (at Agent&rsquo;s option
by either first class mail under a blanket surety bond or insurance protecting Agent and Company from losses or liabilities arising out
of the non-receipt or non-delivery of the Subscription Form&nbsp;or by registered mail insured separately for the value of the applicable
Rights) to such stockholder&rsquo;s address as set forth in the Subscription Form, any Subscription Form&nbsp;delivered to Agent, any
other documents delivered therewith and a letter explaining the reason for the return of such documents.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0"><FONT STYLE="font-size: 10pt"><B>8.</B></FONT><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Procedure
for Deficient Items</U>.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0">8.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Agent
shall examine the Subscription Form(s)&nbsp;received by it as agent to ascertain whether they appear to have been completed and executed
in accordance with the Subscription Offer. In the event that Agent determines that any Subscription Form&nbsp;does not appear to have
been properly completed or executed, or to be in proper form, or any other deficiency in connection with the Subscription Form&nbsp;appears
to exist, Agent shall follow, where possible, its regular procedures to attempt to cause such irregularity to be corrected. Agent is
not authorized to waive any deficiency in connection with the Subscription, unless Company provides written authorization to waive such
deficiency.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0">8.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If
a Subscription Form&nbsp;specifies that shares of the Additional Common Stock are to be issued to a person other than the person in whose
name a surrendered Right is registered, Agent will not issue such shares until such Subscription Form&nbsp;has been properly endorsed
with the signature guaranteed in a manner acceptable to Agent (or otherwise put in proper form for transfer).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0">8.3&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If
any such deficiency is neither corrected nor waived, Agent will return to the subscribing stockholder (at Agent&rsquo;s option by either
first class mail under a blanket surety bond or insurance protecting Agent and Company from losses or liabilities arising out of the
non-receipt or non-delivery of the Subscription Form&nbsp;or by registered mail insured separately for the value of the applicable Rights)
to such stockholder&rsquo;s address as set forth in the Subscription Form, any Subscription Form&nbsp;delivered to Agent, any other documents
delivered therewith and a letter explaining the reason for the return of such documents.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0"><B>9.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Tax
Reporting</U>.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0">9.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Agent
shall prepare and file with the appropriate governmental agency and mail to each stockholder, as applicable, all appropriate tax information
forms, including, but not limited to, Forms 1099-B, covering payments or any other distributions made by Agent pursuant to this Agreement
during each calendar year, or any portion thereof, during which Agent performs services hereunder, as described in the attached Exhibit&nbsp;B.
Any cost basis or tax adjustments required after the Effective Time will incur additional fees.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0; text-align: justify">9.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; With respect to any surrendering stockholder
whose TIN has not been certified as correct, Agent shall deduct and withhold the appropriate backup withholding tax from any payment
made to such stockholder pursuant to the Internal Revenue Code.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0">9.3&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Should
any issue arise regarding federal income tax reporting or withholding, Agent shall take such reasonable action as Company may reasonably
request in writing. Such action may be subject to additional fees.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0"><FONT STYLE="font-size: 10pt"><B>10.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT><B><U>Authorizations
and Protections</U>.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0">As agent for Company hereunder, Agent:</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0">10.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Shall
have no duties or obligations other than those specifically set forth herein or as may subsequently be agreed to in writing by Agent
and Company;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0">10.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Shall
have no obligation to deliver the Additional Common Stock unless Company shall have provided a sufficient number of shares of the Additional
Common Stock to satisfy the exercise of the Rights by holders as set forth hereunder;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0">10.3&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Shall
be regarded as making no representations and having no responsibilities as to the validity, sufficiency, value, or genuineness of any
certificates, if applicable, or the Rights represented thereby surrendered hereunder or the Additional Common Stock issued in exchange
therefor, and will not be required to or be responsible for and will make no representations as to, the validity, sufficiency, value
or genuineness of the Subscription Offer;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0">10.4&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Shall
not be obligated to take any legal action hereunder; if, however, Agent determines to take any legal action hereunder, and where the
taking of such action might, in Agent&rsquo;s judgment, subject or expose it to any expense or liability, Agent shall not be required
to act unless it shall have been furnished with an indemnity satisfactory to it;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0">10.5&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;May&nbsp;rely
on and shall be fully authorized and protected in acting or failing to act upon any certificate, instrument, opinion, notice, letter,
telegram, telex, facsimile transmission or other document or security delivered to Agent and believed by Agent to be genuine and to have
been signed by the proper party or parties;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0">10.6&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Shall
not be liable or responsible for any recital or statement contained in the Subscription Offer or any other documents relating thereto;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0">10.7&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Shall
not be liable or responsible for any failure of the Company or any other party to comply with any of its covenants and obligations relating
to the Subscription Offer, including without limitation obligations under applicable securities laws;</P>

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



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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0">10.8&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Shall
not be liable to any holder of the Rights for any Additional Common Stock or dividends thereon or, if applicable, and any related unclaimed
property that has been delivered to a public official pursuant to applicable abandoned property law;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0">10.9&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;May,
from time to time, rely on instructions provided by Company concerning the services provided hereunder. Further, Agent may apply to any
officer or other authorized person of Company for instruction, and may consult with legal counsel for Agent or Company with respect to
any matter arising in connection with the services provided hereunder. Agent and its agents and subcontractors shall not be liable and
shall be indemnified by Company under Section&nbsp;11.2 of this Agreement for any action taken or omitted by Agent in reliance upon any
Company instructions or upon the advice or opinion of such counsel. Agent shall not be held to have notice of any change of authority
of any person, until receipt of written notice thereof from Company;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0">10.10&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;May&nbsp;rely
on and be fully authorized and protected in acting or failing to act upon (a)&nbsp;any guaranty of signature by an eligible guarantor
institution that is a member or participant in the Securities Transfer Agents Medallion Program or other comparable signature guarantee
program or insurance program in addition to, or in substitution for, the foregoing; or (b)&nbsp;any law, act, regulation or any interpretation
of the same even though such law, act, or regulation may thereafter have been altered, changed, amended or repealed;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0">10.11&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Either
in connection with, or independent of the instruction term in Section&nbsp;10.9, above, Agent may consult counsel satisfactory to Agent
(including internal counsel), and the advice of such counsel shall be full and complete authorization and protection in respect of any
action taken, suffered or omitted by Agent hereunder in good faith and in reliance upon the advice of such counsel;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0">10.12&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;May&nbsp;perform
any of its duties hereunder either directly or by or through agents or attorneys and Agent shall not be liable or responsible for any
misconduct or negligence on the part of any agent or attorney appointed with reasonable care hereunder; and</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0">10.13&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Is
not authorized, and shall have no obligation, to pay any brokers, dealers, or soliciting fees to any person.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0"><B>11.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Representations,
Warranties and Covenants</U>.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0; text-align: justify">11.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <U>Agent</U>. Agent represents and warrants
to Company that:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 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="text-align: justify; width: 0.5in"></TD><TD STYLE="text-align: justify; width: 0.25in">(a)</TD><TD STYLE="text-align: justify"><U>Governance.</U> Trust Company is a federally chartered trust company
                                            duly organized, validly existing, and in good standing under the laws of the United States
                                            and Computershare is a corporation duly organized, validly existing, and in good standing
                                            under the laws of the State of Delaware and each has full power, authority and legal right
                                            to execute, deliver and perform this Agreement; and</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 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="text-align: justify; width: 0.5in"></TD><TD STYLE="text-align: justify; width: 0.25in">(b)</TD><TD STYLE="text-align: justify"><U>Compliance with Laws.</U> The execution, delivery and performance
                                            of this Agreement by Agent has been duly authorized by all necessary action, constitutes
                                            the legal, valid and binding obligation of Agent enforceable against Agent in accordance
                                            with its terms, will not require the consent of any third party that has not been given,
                                            and will not violate, conflict with or result in the breach of any material term, condition
                                            or provision of (A)&nbsp;any existing law, ordinance, or governmental rule&nbsp;or regulation
                                            to which Agent is subject, (B)&nbsp;any judgment, order, writ, injunction, decree or award
                                            of any court, arbitrator or governmental or regulatory official, body or authority applicable
                                            to Agent, (C)&nbsp;Agent&rsquo;s incorporation documents or by-laws, or (D)&nbsp;any material
                                            agreement to which Agent is a party.</TD></TR></TABLE>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0; text-align: justify">11.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <U>Company</U><FONT STYLE="text-transform: uppercase">.
</FONT>Company represents and warrants to Agent that:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 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="text-align: justify; width: 0.5in"></TD><TD STYLE="text-align: justify; width: 0.25in">(a)</TD><TD STYLE="text-align: justify"><U>Governance.</U> It is a corporation duly organized, validly existing
                                            and in good standing under the laws of the State of ______________, and it has full power,
                                            authority and legal right to enter into and perform this Agreement;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 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="text-align: justify; width: 0.5in"></TD><TD STYLE="text-align: justify; width: 0.25in">(b)</TD><TD STYLE="text-align: justify"><U>Compliance with Laws.</U> The execution, delivery and performance
                                            of this Agreement by Company has been duly authorized by all necessary action, constitutes
                                            the legal, valid and binding obligation of Company enforceable against Company in accordance
                                            with its terms, will not require the consent of any third party that has not been given,
                                            and will not violate, conflict with or result in the breach of any material term, condition
                                            or provision of (A)&nbsp;any existing law, ordinance, or governmental rule&nbsp;or regulation
                                            to which Company is subject, (B)&nbsp;any judgment, order, writ, injunction, decree or award
                                            of any court, arbitrator or governmental or regulatory official, body or authority applicable
                                            to Company, (C)&nbsp;Company&rsquo;s incorporation documents or by-laws, (D)&nbsp;any material
                                            agreement to which Company is a party, or (E)&nbsp;any applicable stock exchange rules;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 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="text-align: justify; width: 0.5in"></TD><TD STYLE="text-align: justify; width: 0.25in">(c)</TD><TD STYLE="text-align: justify"><U>Securities Laws.</U> Registration statements under the 1933 Act
                                            and the Securities Exchange Act of 1934 (the &ldquo;<B>1934 Act</B>&rdquo;) have been filed
                                            and are currently effective, or will be effective prior to the sale of any Additional Common
                                            Stock, and will remain so effective, and all appropriate state securities law filings have
                                            been made with respect to all of the Additional Common Stock being offered for sale, except
                                            for any shares of Additional Common Stock which are offered in a transaction or series of
                                            transactions which are exempt from the registration requirements of the 1933 Act, 1934 Act
                                            and state securities laws; Company will immediately notify Agent of any information to the
                                            contrary; and</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 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="text-align: justify; width: 0.5in"></TD><TD STYLE="text-align: justify; width: 0.25in">(d)</TD><TD STYLE="text-align: justify"><U>Shares.</U> The Additional Common Stock issued and outstanding
                                            on the date hereof have been duly authorized, validly issued and are fully paid and are non-assessable;
                                            and any Additional Common Stock to be issued hereafter, when issued, shall have been duly
                                            authorized, validly issued and fully paid and will be non-assessable.</TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0"><B>12.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Indemnification
and Limitation of Liability</U>.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0">12.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <U>Liability</U>. Agent shall only be liable for any loss or
damage determined by a court of competent jurisdiction to be a result of Agent&rsquo;s gross negligence or willful misconduct; provided
that any liability of Agent will be limited in the aggregate to the amounts paid hereunder by Company to Agent as fees and charges, but
not including reimbursable expenses.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0">12.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <U>Indemnity</U>.
Company shall indemnify and hold Agent harmless from and against, and Agent shall not be responsible for, any and all losses,
claims, damages, costs, charges, penalties and related interest, counsel fees and expenses, payments, expenses and liability
(collectively, &ldquo;<B>Losses</B>&rdquo;) arising out of or attributable to Agent&rsquo;s duties under this Agreement or this
appointment, including the reasonable costs and expenses of defending itself against any Loss or enforcing this Agreement, except
for any liability of Agent as set forth in Section&nbsp;11.1, above.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0"><FONT STYLE="font-size: 10pt"><B>13.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Damages</U></B></FONT>.
Notwithstanding anything in this Agreement to the contrary, neither party shall be liable to the other for any incidental, indirect,
special or consequential damages of any nature whatsoever, including, but not limited to, loss of anticipated profits, occasioned by
a breach of any provision of this Agreement even if apprised of the possibility of such damages.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0"><B>14.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Confidentiality</U>.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0">14.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <U>Definition</U>.&nbsp; &ldquo;<B>Confidential Information</B>&rdquo;
shall mean any and all technical or business information relating to a party, including, without limitation, financial, marketing and
product development information, shareholder data (including any non-public information of such Shareholder), proprietary information,
and the terms and conditions (but not the existence) of this Agreement, that is disclosed or otherwise becomes known to the other party
or its affiliates, agents or representatives before or during the term of this Agreement.&nbsp; Confidential Information constitutes
trade secrets and is of great value to the owner (or its affiliates).&nbsp; Confidential Information shall not include any information
that is: (a)&nbsp;already known to the other party or its affiliates at the time of the disclosure; (b)&nbsp;publicly known at the time
of the disclosure or becomes publicly known through no wrongful act or failure of the other party; (c)&nbsp;subsequently disclosed to
the other party or its affiliates on a non-confidential basis by a third party not having a confidential relationship with the owner
and which rightfully acquired such information; or (d)&nbsp;independently developed by one party without access to Confidential Information
of the other.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0">14.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <U>Use and Disclosure</U>. All Confidential Information of a
party will be held in confidence by the other party with at least the same degree of care as such party protects its own confidential
or proprietary information of like kind and import, but not less than a reasonable degree of care. Neither party will disclose in any
manner Confidential Information of the other party in any form to any person or entity without the other party's prior consent. However,
each party may disclose relevant aspects of the other party's Confidential Information to its officers, affiliates, agents, subcontractors
and employees to the extent reasonably necessary to perform its duties and obligations under this Agreement and such disclosure is not
prohibited by applicable law. Without limiting the foregoing, each party will implement physical and other security measures and controls
designed to protect (a)&nbsp;the security and confidentiality of Confidential Information; (b)&nbsp;against any threats or hazards to
the security and integrity of Confidential Information; and (c)&nbsp;against any unauthorized access to or use of Confidential Information.
To the extent that a party delegates any duties and responsibilities under this Agreement to an agent or other subcontractor, the party
ensures that such agent and subcontractor are contractually bound to confidentiality terms consistent with the terms of this Section&nbsp;13.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0">14.3&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <U>Required or Permitted Disclosure</U>. In the event that any
requests or demands are made for the disclosure of Confidential Information, other than requests to Agent for Shareholder records pursuant
to standard subpoenas from state or federal government authorities (<I>e.g.</I>, divorce and criminal actions), the party receiving such
request will promptly notify the other party to secure instructions from an authorized officer of such party as to such request and to
enable the other party the opportunity to obtain a protective order or other confidential treatment, unless such notification is otherwise
prohibited by law or court order. Each party expressly reserves the right, however, to disclose Confidential Information to any person
whenever it is advised by counsel that it may be held liable for the failure to disclose such Confidential Information or if required
by law or court order.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0; text-align: justify">14.4&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <U>Unauthorized Disclosure</U>. As may be
required by law and without limiting any party's rights in respect of a breach of this Section&nbsp;13, each party will promptly:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 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="text-align: justify; width: 0.5in"></TD><TD STYLE="text-align: justify; width: 0.25in">(a)</TD><TD STYLE="text-align: justify">Notify the other party in writing of any unauthorized possession,
                                            use or disclosure of the other party's Confidential Information by any person or entity that
                                            may become known to such party;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 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="text-align: justify; width: 0.5in"></TD><TD STYLE="text-align: justify; width: 0.25in">(b)</TD><TD STYLE="text-align: justify">Furnish to the other party full details of the unauthorized possession,
                                            use or disclosure; and</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 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="text-align: justify; width: 0.5in"></TD><TD STYLE="text-align: justify; width: 0.25in">(c)</TD><TD STYLE="text-align: justify">Use commercially reasonable efforts to prevent a recurrence of any
                                            such unauthorized possession, use or disclosure of Confidential Information.</TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0">14.5&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <U>Costs</U>. Each party will bear the costs it incurs as a result
of compliance with this Section&nbsp;13.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0; text-align: justify"><B>15.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Compensation
and Expenses</U>.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0"><FONT STYLE="font-size: 10pt">15.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>Company
shall pay to Agent compensation in accordance with the fee schedule attached as Exhibit&nbsp;B hereto, together with reimbursement for
reasonable fees and disbursements of counsel, regardless of whether any Rights are surrendered to Agent, for Agent&rsquo;s services hereunder.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0">15.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Company
shall be charged for certain expenses advanced or incurred by Agent in connection with Agent&rsquo;s performance of its duties hereunder.
Such charges include, but are not limited to, stationery and supplies, such as checks, envelopes and paper stock, as well as any disbursements
for telephone and document creation and delivery. While Agent endeavors to maintain such charges (both internal and external) at competitive
rates, these charges may not reflect actual out-of-pocket costs, and may include handling charges to cover internal processing and use
of Agent&rsquo;s billing systems.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0">15.3&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If
any out-of-proof condition caused by Company or any of its prior agents arises during any terms of this agreement, Company will, promptly
upon Agent&rsquo;s request, provide Agent with funds or shares sufficient to resolve the out-of-proof condition.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0"><FONT STYLE="font-size: 10pt">15.4&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>All
amounts owed to Agent hereunder are due within thirty (30) days of the invoice date. Delinquent payments are subject to a late payment
charge of one and one half percent (1.5%) per month commencing forty-five (45) days from the invoice date. Company agrees to reimburse
Agent for any attorney&rsquo;s fees and any other costs associated with collecting delinquent payments.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0">15.5&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Company
is responsible for all taxes, levies, duties, and assessments levied on services purchased under this Agreement (collectively, &ldquo;<B>Transaction
Taxes</B>&rdquo;).&nbsp; Computershare is responsible for collecting and remitting Transaction Taxes in all jurisdictions in which Computershare
is registered to collect such Transaction Taxes.&nbsp; Computershare shall invoice Company for such Transaction Taxes that Computershare
is obligated to collect upon the furnishing of services provided hereunder.&nbsp; Company shall pay such Transaction Taxes according
to the terms in Section&nbsp;15.1, above.&nbsp; Computershare shall timely remit to the appropriate governmental authorities all such
Transaction Taxes that Computershare collects from Company.&nbsp; To the extent that Company provides Computershare with valid exemption
certificates, direct pay permits, or other documentation that exempts Computershare from collecting Transaction Taxes from Company, invoices
issued for services hereunder provided after Computershare&rsquo;s receipt of such certificates, permits, or other documentation will
not reflect exempted Transaction Taxes. &nbsp;Computershare is solely responsible for the payment of all personal property taxes, franchise
taxes, corporate excise or privilege taxes, property or license taxes, taxes relating to Computershare&rsquo;s personnel, and taxes based
on Computershare&rsquo;s net income or gross revenues relating to services provided hereunder.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0"><FONT STYLE="font-size: 10pt"><B>16.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Termination</U>.
</B></FONT>Either party may terminate this Agreement upon thirty (30) days&rsquo; prior written notice to the other party. Unless so
terminated, this Agreement shall continue in effect until ninety (90) days following the Expiration Time. In the event of such early
termination, Company will appoint a successor agent and inform Agent of the name and address of any successor agent so appointed, provided,
that no failure by Company to appoint such a successor agent shall affect the termination of this Agreement or the discharge of Agent
as agent hereunder. Upon any such termination, Agent shall be relieved and discharged of any further responsibilities with respect to
its duties hereunder. Upon payment of all outstanding fees and expenses hereunder, Agent shall promptly forward to Company or its designee
any Subscription Forms or other documents relating to the Subscription Offer that Agent may receive after its appointment has so terminated.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0"><FONT STYLE="font-size: 10pt"><B>17.</B></FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><U>Assignment</U>.
</B>Neither this Agreement nor any rights or obligations hereunder may be assigned by Company or Agent without the written consent of
the other; provided, however, that Agent may, without further consent of Company, assign any of its rights and obligations hereunder
to any affiliated agent registered under Rule&nbsp;17Ac2-1 promulgated under the 1934 Act.</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0; text-align: justify"><B>18.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Subcontractors
and Unaffiliated Third Parties</U>.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0; text-align: justify">18.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Subcontractors</U>.
Agent may, without further consent of Company, subcontract with (a)&nbsp;any affiliates, or (b)&nbsp;unaffiliated subcontractors for
such services as may be required from time to time (e.g., lost shareholder searches, escheatment, telephone and mailing services); provided,
however, that Agent shall be as fully responsible to Company for the acts and omissions of any subcontractor as it is for its own acts
and omissions.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0; text-align: justify">18.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Unaffiliated
Third Parties</U>. Nothing herein shall impose any duty upon Agent in connection with or make Agent liable for the actions or omissions
to act of unaffiliated third parties (other than subcontractors referenced in Section&nbsp;18.1, above) such as, by way of example and
not limitation, airborne services, delivery services, the U.S. mails, and telecommunication companies, provided, if Agent selected such
company, Agent exercised due care in selecting the same.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0; text-align: justify"><B>19. <U>Miscellaneous</U>.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0">19.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Notices</U>.
All notices, demands and other communications given pursuant to the terms and provisions hereof shall be in writing, shall be deemed
effective on the date of receipt, and may be sent by overnight delivery services, or by certified or registered mail, return receipt
requested to:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 40%; font: 10pt Times New Roman, Times, Serif; text-align: left; text-indent: -0.25in; padding-left: 0.25in">If to Company:</TD>
    <TD STYLE="width: 60%; font: 10pt Times New Roman, Times, Serif; text-align: left">with an additional copy to:</TD></TR>
  </TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 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: justify; width: 50%"><P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 5.25pt; text-indent: -5.25pt">[Company Name]</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 5.25pt; text-indent: -5.25pt">[Address]</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 5.25pt; text-indent: -5.25pt">[E-mail address]</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 5.25pt; text-indent: -5.25pt">Attn:</P></TD>
    <TD STYLE="text-align: justify; width: 50%; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">[additional
    notice Name E-mail and Address]</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0">Invoice for fees and services (if different than above):</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0">[Company
Name]</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0">[E-mail
address]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0">Attn:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0">&nbsp;</P><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 45%; font: 10pt Times New Roman, Times, Serif; text-align: left">If to Agent:</TD>
    <TD STYLE="width: 55%; font: 10pt Times New Roman, Times, Serif; text-align: left">with an additional copy to:</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 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: justify; width: 50%"><P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 5.25pt; text-indent: -5.25pt">Computershare Inc.</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 5.25pt; text-indent: -5.25pt">480 Washington Blvd., 29th Floor</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 5.25pt; text-indent: -5.25pt">Jersey City, NJ 07310</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 5.25pt; text-indent: -5.25pt">Attn: Corp Actions Relationship
    Manager</P></TD>
    <TD STYLE="text-align: justify; width: 50%"><P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0">Computershare Inc.</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0">150 Royall Street</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0">Canton, MA 02021</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0">Attn: Legal Department</P></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0">Or</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0">Computershare
Inc.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0">150 Royall
Street</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0">Canton,
MA 02021</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0">Attn: Corp Actions Relationship Manager</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0">19.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>No
Expenditure of Funds</U>. No provision of this Agreement shall require Agent to expend or risk its own funds or otherwise incur any financial
liability in the performance of any of its duties hereunder or in the exercise of its rights if it shall believe in good faith that repayment
of such funds or adequate indemnification against such risk or liability is not reasonably assured to it.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0">19.3&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Publicity</U>.
Neither party hereto shall issue a news release, public announcement, advertisement, or other form of publicity concerning the existence
of this Agreement or the services to be provided hereunder without obtaining the prior written approval of the other party, which may
be withheld in the other party&rsquo;s sole discretion; provided, that Agent may use Company&rsquo;s name in its customer lists or otherwise
as required by law or regulation.</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0">19.4&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Successors</U>.
All the covenants and provisions of this Agreement by or for the benefit of Company or Agent shall bind and inure to the benefit of their
respective successors and assigns hereunder.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0">19.5&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Amendments</U>.
This Agreement may be amended or modified by a written amendment executed by the parties hereto and, to the extent required, authorized
by a resolution of the Board of Directors of Company.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0">19.6&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Severability</U>.
If any term, provision, covenant or restriction of this Agreement is held by a court of competent jurisdiction or other authority to
be invalid, void or unenforceable, the remainder of the terms, provisions, covenants and restrictions of this Agreement shall remain
in full force and effect and shall in no way be affected, impaired or invalidated.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0">19.7&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Governing
Law; Jurisdiction</U>. This Agreement shall be governed by the laws of the State of New York, without regard to principles of conflicts
of law. The parties hereto irrevocably (a)&nbsp;submit to the non-exclusive jurisdiction of any New York State court sitting in New York
City or the United States District Court for the Southern District of New York in any action or proceeding arising out of or relating
to this Agreement, (b)&nbsp;waive, to the fullest extent they may effectively do so, any defense based on inconvenient forum, improper
venue or lack of jurisdiction to the maintenance of any such action or proceeding, and (c)&nbsp;waive all right to trial by jury in any
action, proceeding or counterclaim arising out of this Agreement or the transactions contemplated hereby. Agent shall not be required
hereunder to comply with the laws or regulations of any country other than the United States of America or any political subdivision
thereof. Agent may consult with foreign counsel, at Company&rsquo;s expense, to resolve any foreign law issues that may arise as a result
of Company or any other party being subject to the laws or regulations of any foreign jurisdiction.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0">19.8&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Force
Majeure</U>. Agent will not be liable for any delay or failure in performance when such delay or failure arises from circumstances beyond
its reasonable control, including without limitation acts of God, acts of government in its sovereign or contractual capacity, acts of
public enemy or terrorists, acts of civil or military authority, war, riots, civil strife, terrorism, blockades, sabotage, rationing,
embargoes, epidemics, pandemics, outbreaks of infectious diseases or any other public health crises, earthquakes, fire, flood, other
natural disaster, quarantine or any other employee restrictions, power shortages or failures, utility or communication failure or delays,
labor disputes, strikes, or shortages, supply shortages, equipment failures, or software malfunctions.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0">19.9&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Third
Party Beneficiaries</U>. The provisions of this Agreement are intended to benefit only Agent, Company and their respective permitted
successors and assigns. No rights shall be granted to any other person by virtue of this Agreement, and there are no third party beneficiaries
hereof.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0">19.10&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Survival</U>.
All provisions regarding indemnification, warranty, liability and limits thereon, compensation and expenses and confidentiality and protection
of proprietary rights and trade secrets shall survive the termination or expiration of this Agreement.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0">19.11&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Priorities</U>.
In the event of any conflict, discrepancy, or ambiguity between the terms and conditions contained in (a)&nbsp;this Agreement, (b)&nbsp;any
exhibits, schedules or attachments hereto, and (c)&nbsp;the Subscription Offer, the terms and conditions contained in this Agreement
shall take precedence.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0">19.12&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Merger
of Agreement</U>. This Agreement constitutes the entire agreement between the parties hereto and supersedes any prior agreement with
respect to the subject matter hereof, whether oral or written.</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0">19.13&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>No
Strict Construction</U>. The parties hereto have participated jointly in the negotiation and drafting of this Agreement. In the event
any ambiguity or question of intent or interpretation arises, this Agreement shall be construed as if drafted jointly by all parties
hereto, and no presumption or burden of proof shall arise favoring or disfavoring any party by virtue of the authorship of any provision
of this Agreement.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0">19.14&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Descriptive
Headings</U>. Descriptive headings contained in this Agreement are inserted for convenience only and shall not control or affect the
meaning or construction of any of the provisions hereof.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0">19.15&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Counterparts</U>.
This Agreement may be executed in any number of counterparts and each of such counterparts shall for all purposes be deemed to be an
original, and all such counterparts shall together constitute but one and the same instrument. A signature to this Agreement executed
and/or transmitted electronically shall have the same authority, effect, and enforceability as an original signature.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><I>[The remainder of this page&nbsp;has been intentionally
left blank. Signature page&nbsp;follows.]</I></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>
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<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; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0"><FONT STYLE="font-size: 10pt"><B>IN WITNESS WHEREOF,</B></FONT> the
parties hereto have executed this Agreement by their duly authorized officers as of the Effective Date hereof.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0"><FONT STYLE="text-transform: uppercase"><B>virtus total return fund
inc</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 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: 5%">By:</TD>
  <TD STYLE="border-bottom: Black 1pt solid; width: 45%">&nbsp;</TD>
  <TD STYLE="width: 50%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
  <TD>Name:</TD>
  <TD>&nbsp;</TD>
  <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
  <TD>Title:</TD>
  <TD>&nbsp;</TD>
  <TD>&nbsp;</TD></TR>
</TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0; text-align: justify"><B>COMPUTERSHARE
INC. and</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0; text-align: justify"><B>COMPUTERSHARE
TRUST COMPANY, N.A.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0; text-align: justify"><B><I>For both entities</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 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: 5%">By:</TD>
  <TD STYLE="border-bottom: Black 1pt solid; width: 45%">&nbsp;</TD>
  <TD STYLE="width: 50%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
  <TD>Name:</TD>
  <TD>&nbsp;</TD>
  <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
  <TD>Title:</TD>
  <TD>&nbsp;</TD>
  <TD>&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 10%; font: 10pt Times New Roman, Times, Serif; text-align: left">Exhibit&nbsp;A</TD>
    <TD STYLE="width: 90%; font: 10pt Times New Roman, Times, Serif; text-align: left">Form&nbsp;of Subscription Form</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Exhibit&nbsp;B</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Tax Instruction and Cost Basis Information Letter</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Exhibit&nbsp;C</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Schedule of Fees</TD></TR>
  </TABLE>


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

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



<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; margin-left: 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>

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

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

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

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

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

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><I>Pursuant to the Emergency Economic Stabilization Act of 2008, financial
intermediaries such as Computershare must report cost basis for certain types of securities acquired after January&nbsp;1, 2011 to both
security holders and the IRS. In preparation for the year-end tax reporting to be performed by Computershare under our service agreement
for the corporate actions event described in Section&nbsp;2 of this agreement, please (a)&nbsp;complete the below Year End Tax Reporting
Package and (b)&nbsp;provide us with the pertinent issuer statement (i.e., hard copy or website link requested in Section&nbsp;4 below)
as required of issuers under Internal Revenue Code Section&nbsp;6045B and the underlying Treasury regulations.</I></P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><I>In the event that you have not yet produced the issuer statement,
kindly provide us with the requisite information at your earliest convenience when completed. You may find it helpful to refer to the
below link on the IRS website for some background information regarding the issuer&rsquo;s obligation to produce the issuer statement.</I></P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><U>https://www.irs.gov/forms-pubs/form-8937-report-of-organizational-actions-affecting-basis-of-securities</U></P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt"><I>Please review, complete, execute
and return the </I></FONT><I>Year End Tax Reporting Package or the Form&nbsp;8937, attached documents via e-mail. By requesting cost
basis information, Computershare has fulfilled its regulatory obligation. Failure to provide correct basis information may result in
a liability to you as an issuer, but if we can provide additional details, please feel free to call upon us.</I></P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><I>Additional information may be required based on the completion
of the information provided below.</I></P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt"><B>PLEASE NOTE:</B></FONT> If IRC sections
302/304 apply to this Corporate Actions event, please reach out to the Corporate Actions Relationship Manager listed on Wire Instruction
Exhibit&nbsp;of this Agreement to provide further details.</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>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Year End Tax Reporting Package</B></P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Computershare cannot provide tax advice for purposes of completing this worksheet. Please consult your tax counsel to determine your
respective tax reporting requirements.</P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Shareholder accounts without certified TIN, or certification of foreign
status on our system of record will be subject to backup withholding tax at the applicable rate in accordance with IRS rules&nbsp;and
regulations regarding 1099 tax reporting. The applicable backup withholding tax deducted from their payment will be remitted to the Internal
Revenue Service (IRS). Holders will need to claim any refund of over withholding directly from the IRS and not Computershare. <I>Please
note residents or holders that are uncertified, and reside in the state of CA will be withheld an additional 7% which will be remitted
to the state of CA.</I></P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt"><B>Important:</B></FONT> Computershare
uses Constructive Receipt (refer to below definition) reporting for its standard tax reporting default. Deviations from our Standard
Default Tax Terms, late submissions and subsequent corrections after the event is over will be subject to additional fees, by appraisal.
If Computershare does not receive the completed tax letter by the expiration of the offer /effective date of the distribution or exchange,
Computershare will use our Standard Default Tax Terms.</P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><I><U>Computershare will perform form suppression on de minimis reporting
for the following: on 1099-B tax forms less than $20 in proceeds and fractional share issuance if no withholding; 1099-DIV tax forms
less than $10 in dividend income if no withholding.</U></I></P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><I><U>Computershare will not be liable for any IRS penalties resulting
from any client changes to this tax letter or client delay in any final tax instructions that will alter our initial tax reporting instructions.
Should any withholding be remitted late to the IRS as a result of any changes to your initial tax reporting instructions. Company and/or
Purchaser will be responsible for obligations related to penalties and interest as noted under the Section&nbsp;of the Agreement titled
 &ldquo;Indemnification and Limitation of Liability.&rdquo;</U></I></P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><U>Definitions:</U></B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0"><FONT STYLE="font-size: 10pt"><B>Constructive Receipt: </B></FONT>Constructive
Receipt means that any corporate action exchange proceeds would be reported to the IRS in the year the merger is effective, whether or
not the shareholder has presented the requisite and valid documentation in such year.</P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt"><B>Standard Default Tax Terms:</B></FONT>
The share consideration (if any) is considered a non-taxable event with no Fair Market Value Reporting (FMV) on shares. Principal and
CIL are reported on form 1099B as constructive receipt. In the event of an exchange, dividends declared after the effective date, will
accrue on the shares issuable to un-exchanged holders and tax reported &ldquo;as if&rdquo; paid currently.</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>Section&nbsp;2 &ndash; Client Information</B></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="white-space: nowrap; font: 10pt Times New Roman, Times, Serif; width: 10%">Client Name:</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; width: 90%">&nbsp;</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%">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; font: 10pt Times New Roman, Times, Serif; width: 8%">Tax ID/EIN:</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; width: 92%">&nbsp;</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%">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; font: 10pt Times New Roman, Times, Serif; width: 18%">Issue Description/Type:</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; width: 82%">&nbsp;</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%">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; font: 10pt Times New Roman, Times, Serif; width: 12%">CUSIP Number(s):</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; width: 82%">&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">Will you require Computershare to perform tax reporting services for
this transaction?</P>

<P STYLE="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"><FONT STYLE="font-family: Wingdings">&#168;</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Yes&#9;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="font-family: Wingdings">&#168;</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;No***</P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><U>***If you mark the above box &ldquo;No&rdquo;, an explanation of
either how the consideration will be tax reported, or why tax reporting is not applicable (i.e. K1, W-2,&nbsp;etc.), is required. Please
provide this explanation in <B>Section&nbsp;5</B> where it indicates &ldquo;If you answered &ldquo;No&rdquo; in Section&nbsp;2.</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; text-align: center"><B>Section&nbsp;3 &ndash; Standard 1099 Reporting</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>3.A &ndash; Principal payment / cash in
lieu of fractional shares</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">If
3.A is not applicable, please check here and move to 3.B&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="font-family: Wingdings">&#168;</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">Computershare to report principal payment on Form&nbsp;1099-B.&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Yes, on Form&nbsp;1099-B<FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT STYLE="font-family: Wingdings">&#168;</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Yes,
on a form other than Form&nbsp;1099-B. Please complete Section&nbsp;3.C &nbsp;&nbsp;<FONT STYLE="font-family: Wingdings">&#168;</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">Computershare to report cash in lieu payment for fractional shares
made to holders.&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Yes,
on Form&nbsp;1099-B&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="font-family: Wingdings">&#168;</FONT>&nbsp;&nbsp;&nbsp;&nbsp;Yes, on a form other than Form&nbsp;1099-B. Please complete Section&nbsp;3.C&nbsp;&nbsp;&nbsp;<FONT STYLE="font-family: Wingdings">&#168;</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"><B><U>3.B &ndash; Dividend Reporting (including
accrued dividends for unexchanged accounts)</U></B></P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">If
3.B is not applicable, please check here and move to Section&nbsp;3.C&nbsp;&nbsp;<FONT STYLE="font-family: Wingdings">&#168;</FONT></P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Dividends that have been paid in conjunction with Corporate Actions
payments, deemed or accrued, such payment will be reported as Constructive Receipt on Form&nbsp;1099-DIV or 1042-S.</P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Computershare to report dividends on Forms 1099-DIV / 1042-S.</P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">Yes,
Form&nbsp;1099-DIV/1042-SB</FONT>&#9;<FONT STYLE="font-family: Wingdings">&#168;</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="font-size: 10pt">Yes, on a form other than Form&nbsp;1099-DIV/1042=S</FONT>.
<FONT STYLE="font-family: Wingdings">&#168;</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Please explain</P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Did the Company and or Purchaser distribute qualified dividends (100%
ordinary&nbsp;&amp; 100% qualified) for this tax year on the Newco 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">Yes&#9;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="font-family: Wingdings">&#168;</FONT>&#9;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;*No&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="font-family: Wingdings">&#168;</FONT></P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">*If no, please provide us with your worksheet to ensure all reportable
income or reclassification income, paid by Computershare as agent, is reported correctly. Please note that up to five decimal points
can be utilized in the reallocation process. If you choose to use less than five decimal points this could result in rounding issues.
Due to time constraints inherent with tax season, we will not be able to re-run tax forms due to rounding issues. Please provide us with
your worksheet reflecting all distributions for this applicable tax year.</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>3.C &ndash; Additional reporting</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">If
3.C is not applicable, please check here and move to Section&nbsp;4&nbsp;&nbsp;<FONT STYLE="font-family: Wingdings">&#168;</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">Does any of the following reporting need to be performed by Computershare
for cash paid (i.e., principal, cash in lieu) if not to be tax reported on Form&nbsp;1099-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">1099-INT&#9;&nbsp;&nbsp;&nbsp;<FONT STYLE="font-family: Wingdings">&#168;</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1099-OID&#9;&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="font-family: Wingdings">&#168;</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1099-MISC&#9;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="font-family: Wingdings">&#168;</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1099-DIV&#9;&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="font-family: Wingdings">&#168;</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1042-S&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="font-family: Wingdings">&#168;</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">If you selected 1099-INT, 1099-OID or 1099-MISC above, please complete
the below. Specify which box on the Form&nbsp;should be used for reportable amounts:</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="white-space: nowrap; font: 10pt Times New Roman, Times, Serif; width: 18%">Reporting Box for 1099-INT:</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; width: 82%">&nbsp;</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%">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; font: 10pt Times New Roman, Times, Serif; width: 18%">Reporting Box for 1099-OID:</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; width: 82%">&nbsp;</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%">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; font: 10pt Times New Roman, Times, Serif; width: 20%">Reporting Box for 1099-MISC:</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; width: 80%">&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">If you selected 1099-DIV and/or 1042-S above, please complete the
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">Reporting for merger consideration (other than accrued and unpaid
dividends as outlined below), on Form&nbsp;1099-DIV and/or 1042-S is 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">______________________________________________________________________________</P>

<P STYLE="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">&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">&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">&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">&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"></P>

<!-- Field: Split-Segment; Name: a2 -->
<P STYLE="font: 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>Section&nbsp;4 &ndash; Cost Basis</B></P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Please provide a copy of the completed Issuer
Statement (IRS Form&nbsp;8937) or link to where the Tax&nbsp;&amp; Cost Basis information can be found. If you are unable to provide
the link or information pertaining to the Issuer Statement or such IRS filing requirement does not apply, you must answer the questions
below.</P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">What are the Cost Basis implications due to this
Corporate Action? Please include the details of any calculation that needs to be applied to existing cost basis, or provide an explanation
if the IRS filing requirement for Form&nbsp;8937 does not apply to this event.</P>

<P STYLE="text-align: justify; 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">&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">&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">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Section&nbsp;5 &ndash; 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">Did any of the following corporate changes occur during the same year
in which this corporate action took place?</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="font: 10pt Times New Roman, Times, Serif; padding-left: 1in; width: 43%; text-align: left"><FONT STYLE="font-size: 10pt">a)
    Name Change?&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 2%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 5%"><FONT STYLE="font-size: 10pt">Yes</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 5%"><FONT STYLE="font-family: Wingdings; font-size: 10pt">&#168;</FONT><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 5%"><FONT STYLE="font-size: 10pt">No</FONT></TD>
    <TD STYLE="width: 40%"><FONT STYLE="font-family: Wingdings; font-size: 10pt">&#168;</FONT><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 1in; text-align: left"><FONT STYLE="font-size: 10pt">b) Tax Id
    Number Change?</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Yes</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Wingdings; font-size: 10pt">&#168;</FONT><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">No</FONT></TD>
    <TD><FONT STYLE="font-family: Wingdings; font-size: 10pt">&#168;</FONT><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 1in; text-align: left"><FONT STYLE="font-size: 10pt">c) CUSIP
    Number Change?</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Yes</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Wingdings; font-size: 10pt">&#168;</FONT><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">No</FONT></TD>
    <TD><FONT STYLE="font-family: Wingdings; font-size: 10pt">&#168;</FONT><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 1in; text-align: left"><FONT STYLE="font-size: 10pt">d) Cash Liquidating
    Distribution</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Yes</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Wingdings; font-size: 10pt">&#168;</FONT><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">No</FONT></TD>
    <TD><FONT STYLE="font-family: Wingdings; font-size: 10pt">&#168;</FONT><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 1in; text-align: left"><FONT STYLE="font-size: 10pt">e) Non-Cash
    Liquidating Distribution</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Yes</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Wingdings; font-size: 10pt">&#168;</FONT><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">No</FONT></TD>
    <TD><FONT STYLE="font-family: Wingdings; font-size: 10pt">&#168;</FONT><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 1in; text-align: left"><FONT STYLE="font-size: 10pt">f) Sale of
    Rights payment</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Yes</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Wingdings; font-size: 10pt">&#168;</FONT><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">No</FONT></TD>
    <TD><FONT STYLE="font-family: Wingdings; font-size: 10pt">&#168;</FONT><FONT STYLE="font-size: 10pt">&nbsp;</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">Is any additional tax reporting required, other than what has been
stated in Section&nbsp;3 above (specify below)?</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">______________________________________________________________________________</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">______________________________________________________________________________</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">______________________________________________________________________________</FONT></P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">If you answered &ldquo;No&rdquo; in Section&nbsp;2
above indicating that you do not require Computershare to perform tax reporting, please explain 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>

<P STYLE="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">&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>

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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>Section&nbsp;6 &ndash; Additional Information
continued</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">Is any additional tax withholding required other than what has been
stated in Section&nbsp;3 above (specify 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>

<P STYLE="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">&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">&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">Section&nbsp;7</P>

<P STYLE="font: 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>Fair Market Value (FMV) Tax Reporting Instructions</B></P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><I>Pursuant to the Emergency Economic Stabilization
Act of 2008, financial intermediaries such as Computershare must report cost basis for certain types of securities acquired after January&nbsp;1,
2011 to both security holders and the IRS. In preparation for the year-end tax reporting to be performed by Computershare under our service
agreement for the corporate actions event described in Section&nbsp;1 of this agreement, please (a)&nbsp;complete the below Tax and Cost
Basis package and (b)&nbsp;provide us with the pertinent issuer statement (i.e., hard copy or website link requested in Section&nbsp;8
below) as required of issuers under Internal Revenue Code Section&nbsp;6045B and the underlying Treasury regulations.</I></P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><I>In the event that you have not yet produced
the issuer statement, kindly provide us with the requisite information at your earliest convenience when completed. You may find it helpful
to refer to the below link on the IRS website for some background information regarding the issuer&rsquo;s obligation to produce the
issuer statement.</I></P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><U>https://www.irs.gov/forms-pubs/form-8937-report-of-organizational-actions-affecting-basis-of-securities</U></P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><I>Please review, complete, execute and return
the below Tax Letter and either the Cost Basis word document or the Form&nbsp;8937, attached documents via e-mail. By requesting cost
basis information, Computershare has fulfilled its regulatory obligation. Failure to provide correct basis information may result in
a liability to you as an issuer, but if we can provide additional details, please feel free to call upon us.</I></P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><I>Additional information may be required based
on the completion of the information provided below.</I></P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt"><B>PLEASE NOTE:
</B></FONT>If 302/304 Tax Reporting is requirements please reach out to the Corporate Actions Relationship Manager listed on the Wire
Instruction Exhibit&nbsp;of this Agreement Computershare cannot provide tax advice for purposes of completing this worksheet. Please
consult your tax counsel to determine your respective tax reporting 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"></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>Year End Tax Reporting Package</B></P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Shareholder accounts without certified TIN, or
foreign status on our system of record will be subject to backup withholding tax at the applicable rate in accordance with IRS rules&nbsp;and
regulations regarding 1099 tax reporting. The applicable backup withholding tax deducted from their payment will be remitted to the Internal
Revenue Service (IRS). Holders will need to claim any refund of over withholding directly from the IRS and not Computershare. <I>Please
note residents or holders that are uncertified, and reside in the state of CA will be withheld an additional 7% which will be remitted
to the state of CA.</I></P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt"><B>Important:</B></FONT>
Computershare uses Constructive Receipt reporting for its standard tax reporting default. Deviations from our Standard Default Tax Terms,
late submissions and subsequent corrections after the event is over will be subject to additional fees, by appraisal. If Computershare
does not receive the completed tax letter by the expiration of the offer /effective date of the distribution or exchange, Computershare
will use our Standard Default Tax Terms.</P>

<P STYLE="text-align: justify; 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>Fair Market Value Reporting (FMV) is subject to additional fees,
by appraisal.</B></P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><I><U>Computershare will perform form suppression
on de minimis reporting for the following: on 1099-B tax forms less than $20 in proceeds and fractional share issuance if no withholding;
1099-DIV tax forms less than $10 in dividend income if no withholding.</U></I></P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><I><U>Computershare will not be liable for any
IRS penalties resulting from any client changes to this tax letter or client delay in any final tax instructions that will alter our
initial tax reporting instructions. Should any withholding be remitted late to the IRS as a result of any changes to your initial tax
reporting instructions. Company will be responsible for obligations related to penalties and interest as noted under the Section&nbsp;of
the Agreement titled &ldquo;Indemnification and Limitation of Liability.&rdquo;</U></I></P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><U>Definitions:</U></B></P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt"><B>Constructive
Receipt: </B></FONT>Constructive Receipt means that any corporate action exchange proceeds would be reported to the IRS in the year the
merger is finalized, regardless of whether the shareholder has already processed the exchange or not.</P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt"><B>Standard Default
Tax Terms:</B></FONT> The share distribution is considered a non-taxable event with no Fair Market Value Reporting (FMV) on shares. Principal
and CIL are reported on form 1099B as constructive receipt. In the event of an exchange, dividends declared after the effective date,
will accrue on the shares issuable to un-exchanged holders.</P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt"><B>Fair Market
Value (FMV) tax reporting: </B></FONT>Refers to an exchange where the share consideration) is treated as fully taxable and reportable
on Form&nbsp;1099-B at the per share valuation provided by client.</P>

<P STYLE="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>Section&nbsp;8 &ndash; Client 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">Client 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">*Tax ID/EIN: __________________________________________________________________________</P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">*If FMV reporting is required, the Issuer (Acquirer)
will be deemed the payor and you must provide your EIN for reporting purposes. In addition, Client must provide Computershare with completed
IRS Form&nbsp;2678 in order for Computershare to remit any backup withholding tax to the IRS on client&rsquo;s 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">Issue Description/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-indent: 0.5in">______________________________________________________________________________</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">CUSIP Number(s):_____________________________________________________________________</P>

<P STYLE="font: 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">______________________________________________________________________________</P>

<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">Will you require Computershare to perform FMV tax reporting services
for this transaction?</P>

<P STYLE="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: Wingdings">&#168;</FONT> Yes&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="font-family: Wingdings">&#168;
</FONT>No***</P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><U>***If you mark the above box &ldquo;No&rdquo;
the value of all newly issued shares will NOT be tax reported to the holders and any cost basis and acquisition date of the surrendered
target company shares will be carried over to the new shares. Please refer to Section&nbsp;3.</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"></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>Section&nbsp;9</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>Fair Market Value reporting</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: justify"><B><U>We ask that you read each question below
carefully and respond to each question accordingly as this questionnaire requires a great deal of attention.</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><U>Taxable Event Information</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><U>Please check one of the boxes below regarding the following
statement.</U></B></P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><U>This event requires Fair Market Value (FMV)
reporting on Form&nbsp;1099-B as the share consideration received in this transaction is a taxable event to former target holders and
as such the basis of the new shares received will be the FMV rate and become covered shares (i.e., date of acquisition is the effective
date).</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">True <FONT STYLE="font-family: Wingdings">&#168;</FONT>&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;*False
<FONT STYLE="font-family: Wingdings">&#168;</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"><B><U>*If the above statement is &ldquo;False&rdquo;, please provide
an explanation as to why:</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">______________________________________________________________________________</P>

<P STYLE="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">&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">&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">&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">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><U>If the FMV share consideration is nontaxable,
and not tax reportable, please confirm by checking a box below:</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">*True <FONT STYLE="font-family: Wingdings">&#168;</FONT>&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;**False
<FONT STYLE="font-family: Wingdings">&#168;</FONT></P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><U>*If you selected &ldquo;True&rdquo;, please
explain briefly why the FMV share consideration is nontaxable, and whether the &ldquo;cash&rdquo; (if any) is tax reportable on Form&nbsp;1099-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">______________________________________________________________________________</P>

<P STYLE="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">&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>

<P STYLE="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">&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">&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">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><U>**If you selected &ldquo;False&rdquo; from
the above, is the FMV of the share consideration treated as taxable and reportable on a 1099-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">Yes <FONT STYLE="font-family: Wingdings">&#168;</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;*No
<FONT STYLE="font-family: Wingdings">&#168;</FONT></P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">*If you selected &ldquo;No&rdquo;, please advise
on the IRS Form&nbsp;&amp; box number in which it should be reported:</P>

<P STYLE="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">&nbsp;</P>

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

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>If the transaction with a shareholder should
be reported on a 1099-B, and the full amount of the consideration is treated as taxable, is the FMV of the stock consideration, as well
as the cash (if any), reportable on Form&nbsp;1099-B in Box 1d as &ldquo;Proceeds&rdquo;?</B></P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Yes <FONT STYLE="font-family: Wingdings">&#168;</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;*No
<FONT STYLE="font-family: Wingdings">&#168;</FONT></P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">*If you selected &ldquo;No&rdquo;, please advise
on the rationale as to why the cash and/or stock is not considered as &ldquo; proceeds&rdquo; for 1099-B reporting 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">______________________________________________________________________________</P>

<P STYLE="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">&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">&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">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>If Form&nbsp;1099-B reporting is required,
should Box 7 on the Form&nbsp;1099-B (&ldquo;Check if loss is not allowed based on amount in 1d&rdquo;) be checked?</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">Yes <FONT STYLE="font-family: Wingdings">&#168;</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;*No
<FONT STYLE="font-family: Wingdings">&#168;</FONT></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"><B><U>Backup Withholding Information</U></B></P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><U>If you selected &ldquo;Yes&rdquo; and indicated
that FMV of the share consideration is a taxable exchange and reportable on a 1099-B as &ldquo;Proceeds&rdquo;,- please advise on the
following questions:</U></B></P>

<P STYLE="text-align: justify; 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="text-align: justify; width: 0.25in"></TD><TD STYLE="text-align: justify; width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&bull;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Is
                                            the share consideration subject to backup withholding? (Uncertified accounts would be entitled
                                            to a lowered share amount upon exchange due to withholding of shares to satisfy remittance
                                            to the IRS.)</FONT></TD></TR></TABLE>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Yes <FONT STYLE="font-family: Wingdings">&#168;</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;*No
<FONT STYLE="font-family: Wingdings">&#168;</FONT></P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">*If you selected &ldquo;No&rdquo;, please provide
the basis for selecting &ldquo;No&rdquo; so that Tax can review this further.</P>

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

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

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

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

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

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

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><U>If you selected &ldquo;Yes&rdquo; and indicated
that shares are subject to backup withholding, please confirm the following statement by selecting &ldquo;Issuer/Acquirer Agrees&rdquo;:</U></B></P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><U>Computershare is hereby authorized by the
Issuer/Acquirer to sell the appropriate number of shares from each shareholder&rsquo;s share entitlement to cover applicable tax withholding
obligations. The withholding obligation arises on the date the reportable consideration is paid.&nbsp; The shares sold to fund any backup
withholding will be based on the amount of withholding required. The current share price may not be exactly the FMV price and may result
in a shortage or overage that will either need to be returned to the company or covered by the company.</U></B></P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Issuer/Acquirer Agrees&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;&nbsp;&nbsp;&nbsp;<FONT STYLE="font-family: Wingdings">&#168;</FONT></P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">If you would prefer that Computershare does not
fund the backup withholding obligation by selling the shares, the Issuer/Acquirer can fund the amount of backup withholding required
to remit to the IRS in lieu of selling shares. Should you wish to proceed with this alternative, please select the box below:</P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Yes, we will fund the entire balance due in one
single wire to Computershare for the backup withholding obligation <FONT STYLE="font-family: Wingdings">&#168;</FONT></P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">If you checked
the box above, to fund the backup withholding on FMV reporting, the funds you provided will be included in a &ldquo;gross -up&rdquo;
calculation (to increase a net <U>amount</U> to include deductions, such as taxes, that would be <U>incurred </U>by the <U>receiver</U>)
</FONT>reported on a 1099-B as additional proceeds to the holder.</P>

<P STYLE="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>Fair Market Value (FMV)</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">Please provide the value per share associated with the FMV reporting
of the share consideration:</P>

<P STYLE="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">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Form&nbsp;8937</B></P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Please provide a copy of the Issuer Statement
(IRS Form&nbsp;8937) or link to where the Tax&nbsp;&amp; Cost Basis information can be found. If you are unable to provide the link or
information pertaining to the Issuer Statement, you must answer the questions below.</P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">What are the Tax&nbsp;&amp; Cost Basis implications
due to this Corporate Action? Please include the details of any calculation that needs to be applied to determine the per share basis
of the share consideration received by the target&rsquo;s holders.</P>

<P STYLE="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">&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">&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">&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">&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">&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>EXHIBIT&nbsp;C</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"><U>SCHEDULE OF FEES</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; text-align: center"><B>COMPUTERSHARE TRUST COMPANY, N.A.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>SUBSCRIPTION AGENT FEE SCHEDULE FOR</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>VIRTUS TOTAL RETURN FUND INC RIGHTS OFFERING</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: 0.25in"></TD><TD STYLE="width: 0.5in"><B>A.</B></TD><TD STYLE="text-align: justify"><B>FEES FOR SERVICES *</B></TD></TR></TABLE>

<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: 90%; font: 10pt Times New Roman, Times, Serif">
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 85%; text-align: left"><FONT STYLE="font-size: 10pt">Subscription Agent
    Event Management Fee</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 2%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 2%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD>
                                                                                                                                      <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 10%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">[&nbsp;&nbsp;]</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">Per subscription form issued
    and mailed</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></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">[&nbsp;&nbsp;]</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></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"><FONT STYLE="font-size: 10pt">Per subscription form processed
    (registered and beneficial)</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD>
                                                                                                                           <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">[&nbsp;&nbsp;]</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">Per defective subscription form
    received</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></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">[&nbsp;&nbsp;]</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></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"><FONT STYLE="font-size: 10pt">Calculating pro-rata items,
    each (registered and beneficial)</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD>
                                                                                                                           <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">[&nbsp;&nbsp;]</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">Per notice of guaranteed delivery
    received (registered and beneficial)</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></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">[&nbsp;&nbsp;]</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></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"><FONT STYLE="font-size: 10pt">Extensions, each</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD>
                                                                                                                           <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">[&nbsp;&nbsp;]</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">Expiration Other than 5pm EST</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></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">[&nbsp;&nbsp;]</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</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 above fees exclude expenses and assume the
use of Computershare&rsquo;s standard agency agreement and Rights Card. We agree that in the event that the transaction and/or your services
are begun but not completed for any reason, the above Event Management fee will be charged, plus the expense(s)&nbsp;associated with
work performed up to the point Computershare is notified. It is required that this Agreement be executed on or before the Expiration
Time. Mailing and processing will not begin until this Agreement has been executed by Company and Computershare. This fee schedule is
based upon information provided to date and may be subject to change.</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; text-align: justify">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.5in; text-align: left"><B>B.</B></TD><TD STYLE="text-align: justify"><B>SERVICES COVERED</B></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"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&bull;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Designating
                                            an operational team to carry out subscription agent duties, including document review and
                                            execution of legal agreement, review of subscription form and communication materials, event
                                            management, and on-going event updates and reporting</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="text-align: justify; width: 0.5in"></TD><TD STYLE="text-align: justify; width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&bull;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Converting
                                            the shareholder file to Computershare&rsquo;s corporate actions system</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="text-align: justify; width: 0.5in"></TD><TD STYLE="text-align: justify; width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&bull;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Coordinating
                                            the offering with the Depositary Trust Company</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="text-align: justify; width: 0.5in"></TD><TD STYLE="text-align: justify; width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&bull;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Interfacing
                                            with the information agent</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="text-align: justify; width: 0.5in"></TD><TD STYLE="text-align: justify; width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&bull;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Calculating
                                            the rights to be distributed to each shareholder</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="text-align: justify; width: 0.5in"></TD><TD STYLE="text-align: justify; width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&bull;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Printing
                                            shareholder information on the subscription form</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="text-align: justify; width: 0.5in"></TD><TD STYLE="text-align: justify; width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&bull;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Coordinating
                                            the mailing of subscription materials to shareholders with the information agent</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="text-align: justify; width: 0.5in"></TD><TD STYLE="text-align: justify; width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&bull;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Tracking
                                            and reporting the number of subscriptions made, as required</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="text-align: justify; width: 0.5in"></TD><TD STYLE="text-align: justify; width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&bull;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Processing
                                            the rights received and exercised</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="text-align: justify; width: 0.5in"></TD><TD STYLE="text-align: justify; width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&bull;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Selling
                                            the rights as requested by shareholders</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="text-align: justify; width: 0.5in"></TD><TD STYLE="text-align: justify; width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&bull;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Depositing
                                            participant checks daily</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="text-align: justify; width: 0.5in"></TD><TD STYLE="text-align: justify; width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&bull;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Providing
                                            receipt summation of checks received</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="text-align: justify; width: 0.5in"></TD><TD STYLE="text-align: justify; width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&bull;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Prorating
                                            subscriptions as required</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="text-align: justify; width: 0.5in"></TD><TD STYLE="text-align: justify; width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&bull;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Forwarding
                                            funds to the Company at the end of the offering period</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="text-align: justify; width: 0.5in"></TD><TD STYLE="text-align: justify; width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&bull;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Calculating,
                                            issuing and mailing shares and refund checks</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="text-align: justify; width: 0.5in"></TD><TD STYLE="text-align: justify; width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&bull;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Calculating,
                                            issuing, mailing and collecting invoices, if applicable</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="text-align: justify; width: 0.5in"></TD><TD STYLE="text-align: justify; width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&bull;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Calculating,
                                            issuing and mailing of solicitation checks, if applicable</FONT></TD></TR></TABLE>

<P STYLE="text-align: justify; 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: 29; Value: 1 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font-size: 10pt; text-align: right; margin: 0pt">Page <!-- Field: Sequence; Type: Arabic; Name: PageNo -->29<!-- Field: /Sequence --></P></DIV>
    <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; text-align: justify">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.5in; text-align: left"><B>C.</B></TD><TD STYLE="text-align: justify"><B>ITEMS NOT
                                            COVERED</B></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"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&bull;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Items
                                            not specified in the &quot;Services Covered&quot; section set forth in this Agreement, including
                                            any services associated with new duties, legislation or regulatory fiat, which become effective
                                            after the date of this Agreement (these will be provided on an appraisal basis)</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="text-align: justify; width: 0.5in"></TD><TD STYLE="text-align: justify; width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&bull;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Surcharge(s)&nbsp;for
                                            services, including, without limitation, Event Management services, rendered outside of normal
                                            business hours (i.e. 6:00 p.m.&nbsp;- 8:00 a.m.&nbsp;Monday through Friday, weekends, and
                                            U.S. holidays observed by the New York Stock Exchange). Additional fees will be provided
                                            on an appraisal basis.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="text-align: justify; width: 0.5in"></TD><TD STYLE="text-align: justify; width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&bull;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">All
                                            expenses, such as telephone line charges, overprinting, certificates, checks, postage, stationery,
                                            wire transfers, and excess material disposal (these will be billed as incurred)</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="text-align: justify; width: 0.5in"></TD><TD STYLE="text-align: justify; width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&bull;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Reasonable
                                            legal review fees if referred to outside counsel</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="text-align: justify; width: 0.5in"></TD><TD STYLE="text-align: justify; width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&bull;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Special
                                            reporting requests (including, but not limited to, escheatment, reconciliation and audit
                                            reports) and requests to expedite processed items outside of our standard target of 7-10
                                            day turnaround time</FONT></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; text-align: justify">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.5in; text-align: left"><B>D.</B></TD><TD STYLE="text-align: justify"><B>ASSUMPTIONS</B></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"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&bull;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Fee
                                            schedule based upon information known at this time about the transaction</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="text-align: justify; width: 0.5in"></TD><TD STYLE="text-align: justify; width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&bull;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Significant
                                            changes made in the terms or requirements of this transaction could require modifications
                                            to this fee schedule</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="text-align: justify; width: 0.5in"></TD><TD STYLE="text-align: justify; width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&bull;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Fee
                                            schedule must be executed prior to the initial mailing</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="text-align: justify; width: 0.5in"></TD><TD STYLE="text-align: justify; width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&bull;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Company
                                            responsible for printing of materials (rights card, prospectus and ancillary documents)</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="text-align: justify; width: 0.5in"></TD><TD STYLE="text-align: justify; width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&bull;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Material
                                            to be mailed to shareholders must be received no less than five (5)&nbsp;business days prior
                                            to the start of the mailing event</FONT></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; text-align: justify">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.5in; text-align: left"><B>E.</B></TD><TD STYLE="text-align: justify"><B>PAYMENT FOR
                                            SERVICES</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 0pt 1in; text-align: justify">The Event Management fee will be rendered
and payable on the effective date of the transaction. An invoice for any expense and per item fees realized will be rendered and payable
on a monthly basis, except for postage expenses in excess of $5,000. Funds for such mailing expenses must be received one (1)&nbsp;business
day prior to the scheduled mailing date, provided, however, that Agent shall provide five (5)&nbsp;business days&rsquo; notice of any
such amount to be paid.</P>

<P STYLE="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>
<TYPE>EX-99.(K)(20)
<SEQUENCE>11
<FILENAME>tm228106d2_ex99k20.htm
<DESCRIPTION>EXHIBIT 99.(K)(20)
<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; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B>Exhibit (k)(20)</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><IMG SRC="tm228106d2_ex99k16img001.jpg" ALT=""></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right">1290 Avenue of the Americas, 9th Floor</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right">New York, NY 10104</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right">www.georgeson.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">___________, 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; text-align: justify">Virtus Total Return Fund</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">c/o Virtus Investment Partners</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Greenfield, MA 01301-9684</P>

<P STYLE="font: 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">Re: <U>Information Agent</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; text-align: justify">This Letter of Agreement, including the Appendix
attached hereto (collectively, this &ldquo;Agreement&rdquo;), sets forth the terms and conditions of the engagement of Georgeson LLC
(&ldquo;Georgeson&rdquo;) by Virtus Total Return Fund (the &ldquo;Fund&rdquo;) to act as Information Agent in connection with the Fund&rsquo;s
proposed Rights Offering (the &ldquo;Offering&rdquo;). The term of this Agreement shall be the term of the Offering, including any extensions
thereof.</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"><FONT STYLE="font-size: 10pt">(a)</FONT></TD><TD STYLE="text-align: justify"><I>Services.
                                            </I>Georgeson shall perform the services described in the Fees&nbsp;&amp; Services Schedule
                                            attached hereto as Appendix I (such services, collectively, the &ldquo;Services&rdquo;).</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"><FONT STYLE="font-size: 10pt">(b)</FONT></TD><TD STYLE="text-align: justify"><I>Fees.
                                            </I>In consideration of Georgeson&rsquo;s performance of the Services, the Fund shall pay
                                            Georgeson the amounts, and pursuant to the terms, set forth on the Fees&nbsp;&amp; Services
                                            Schedule attached hereto as Appendix I, together with the Expenses (as defined below). The
                                            Fund acknowledges and agrees that the Fees&nbsp;&amp; Services Schedule shall be subject
                                            to adjustment if the Fund requests Georgeson to provide services with respect to additional
                                            matters or a revised scope of work.</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"><FONT STYLE="font-size: 10pt">(c)</FONT></TD><TD STYLE="text-align: justify"><I>Expenses.
                                            </I>In addition to the fees and charges described in paragraphs (b)&nbsp;and (d)&nbsp;hereof,
                                            Georgeson shall charge the Fund, and the Fund shall be solely responsible, for the following
                                            costs and expenses (collectively, the &ldquo;Expenses&rdquo;):</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"><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-family: Times New Roman, Times, Serif">costs
                                            and expenses incidental to the Offering, including without limitation the mailing or delivery
                                            of Offering materials;</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: 1in"></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-family: Times New Roman, Times, Serif">costs
                                            and expenses relating to Georgeson&rsquo;s work with its agents or other parties involved
                                            in the Offer, including without limitation charges for bank threshold lists, data processing,
                                            market information, institutional advisory reports, telephone directory assistance, facsimile
                                            transmissions or other forms of electronic communication;</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: 1in"></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-family: Times New Roman, Times, Serif">costs
                                            and expenses incurred by Georgeson at the Fund&rsquo;s request or for the Fund&rsquo;s convenience,
                                            including without limitation for copying, printing of additional and/or supplemental material
                                            and travel by Georgeson&rsquo;s personnel; and</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: 1in"></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-family: Times New Roman, Times, Serif">any
                                            other costs and expenses authorized by the Fund during the course of the Offering, including
                                            without limitation those relating to advertising (including production and posting), media
                                            relations and analytical 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"></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; text-align: right; margin: 0pt 0"><IMG SRC="tm228106d2_ex99k16img001.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">Virtus Total Return Fund</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">________, 2022</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Page&nbsp;2</P>


<P STYLE="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; text-align: justify">The Fund shall pay all applicable
taxes incurred in connection with the delivery of the Services or Expenses.</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"><FONT STYLE="font-size: 10pt">(d)</FONT></TD><TD STYLE="text-align: justify"><I>Custodial
                                            Charges.</I> Georgeson agrees to check, itemize and pay on the Fund&rsquo;s behalf the charges
                                            of brokers and banks, with the exception of Broadridge Financial Solutions,&nbsp;Inc. (which
                                            will bill the Fund directly), for forwarding the Fund&rsquo;s offering material to beneficial
                                            owners. The Fund shall reimburse Georgeson for such broker and bank charges in the manner
                                            described in the Fees&nbsp;&amp; Services Schedule.</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"><FONT STYLE="font-size: 10pt">(e)</FONT></TD><TD STYLE="text-align: justify"><I>Compliance
                                            with Applicable Laws.</I> The Fund and Georgeson hereby represent to one another that each
                                            shall comply with all applicable laws relating to the Offer, including, without limitation,
                                            the Securities Exchange Act of 1934, as amended, and the rules&nbsp;and regulations promulgated
                                            thereunder.</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"><FONT STYLE="font-size: 10pt">(f)</FONT></TD><TD STYLE="text-align: justify"><I>Indemnification;
                                            Limitation of Liability.</I></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">(i)</TD><TD STYLE="text-align: justify">The Fund shall indemnify and hold harmless
                                            Georgeson, its affiliates and their respective stockholders, officers, directors, employees
                                            and agents from and against any and all losses, claims, damages, costs, charges, counsel
                                            fees and expenses, payments, expenses and liability (collectively, &ldquo;Losses&rdquo;)
                                            arising out of or relating to the performance of the Services, including the reasonable costs
                                            and expenses of defending against any Loss or enforcing this Agreement, except to the extent
                                            such Losses shall have been determined by a court of competent jurisdiction to be a result
                                            of Georgeson&rsquo;s gross negligence or willful misconduct.</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">(ii)</TD><TD STYLE="text-align: justify">Notwithstanding anything herein to
                                            the contrary, but without limiting the Fund&rsquo;s indemnification obligations set forth
                                            in clause (i)&nbsp;above, neither party shall be liable for any incidental, indirect, special
                                            or consequential damages of any nature whatsoever, including, but not limited to, loss of
                                            anticipated profits, occasioned by a breach of any provision of this Agreement, even if apprised
                                            of the possibility of such damages.</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">(iii)</TD><TD STYLE="text-align: justify">Any liability whatsoever of Georgeson,
                                            its affiliates or any of their respective stockholders, officers, directors, employees or
                                            agents hereunder or otherwise relating to or arising out of performance of the Services will
                                            be limited in the aggregate to the fees and charges paid hereunder by the Fund to Georgeson
                                            (but not including Expenses).</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">(iv)</TD><TD STYLE="text-align: justify">This paragraph (f)&nbsp;shall survive
                                            the 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: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-size: 10pt">(g)</FONT></TD><TD STYLE="text-align: justify"><I>Governing
                                            Law.</I> This Agreement shall be governed by the substantive laws of the State of New York
                                            without regard to its principles of conflicts of laws, and shall not be modified in any way,
                                            unless pursuant to a written agreement which has been executed by each of the parties hereto.
                                            The parties agree that any and all disputes, controversies or claims arising out of or relating
                                            to this Agreement (including any breach hereof) shall be subject to the jurisdiction of the
                                            federal and state courts in New York County, New York and the parties hereby waive any defenses
                                            on the grounds of lack of personal jurisdiction of such courts, improper venue or <I>forum
                                            non conveniens</I>. The parties waive, to the fullest extent permitted by law, all right
                                            to trial by jury in any action, proceeding or counterclaim arising out of this Agreement.</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: right"><IMG SRC="tm228106d2_ex99k16img001.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">Virtus Total Return Fund</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">________, 2022</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Page&nbsp;3</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"><FONT STYLE="font-size: 10pt">(h)</FONT></TD><TD STYLE="text-align: justify"><I>Relationship.
                                            </I>The Fund agrees and acknowledges that Georgeson shall be the primary information agent
                                            retained by the Fund in connection with the Offering.</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"><FONT STYLE="font-size: 10pt">(i)</FONT></TD><TD STYLE="text-align: justify"><I>Confidentiality.
                                            </I>Georgeson agrees to preserve the confidentiality of (i)&nbsp;all material non-public
                                            information provided by the Fund or its agents for Georgeson&rsquo;s use in fulfilling its
                                            obligations hereunder and (ii)&nbsp;any information developed by Georgeson based upon such
                                            material non-public information (collectively, &ldquo;Confidential Information&rdquo;); provided
                                            that Georgeson may disclose such Confidential Information as required by law and otherwise
                                            to its officers, directors, employees, agents or affiliates to the extent reasonably necessary
                                            to perform the Services hereunder. For purposes of this Agreement, Confidential Information
                                            shall not be deemed to include any information which (w)&nbsp;is or becomes generally available
                                            to the public other than as a result of a disclosure by Georgeson or any of its officers,
                                            directors, employees, agents or affiliates; (x)&nbsp;was available to Georgeson on a nonconfidential
                                            basis and in accordance with law prior to its disclosure to Georgeson by the Fund; (y)&nbsp;becomes
                                            available to Georgeson on a nonconfidential basis and in accordance with law from a person
                                            other than the Fund or any of its officers, directors, employees, agents or affiliates who
                                            is not otherwise bound by a confidentiality agreement with the Fund or is not otherwise prohibited
                                            from transmitting such information to a third party; or (z)&nbsp;was independently and lawfully
                                            developed by Georgeson without access to the Confidential Information. The Fund agrees that
                                            all reports, documents and other work product provided to the Fund by Georgeson pursuant
                                            to the terms of this Agreement are for the exclusive use of the Fund and may not be disclosed
                                            to any other person or entity without the prior written consent of Georgeson. The confidentiality
                                            obligations set forth in this paragraph shall survive the 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: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-size: 10pt">(j)</FONT></TD><TD><I>Invoices</I>. Invoices for
                                            amounts due hereunder shall be delivered to Fund at:</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.75in; text-indent: -0.25in">&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: 0.75in; text-align: left">ADDRESS:</TD><TD STYLE="border-bottom: Black 1pt solid; text-align: justify">&nbsp;</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.75in; text-indent: -0.25in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.75in; text-indent: -0.25in">ATTENTION:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.75in; text-indent: -0.25in">&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="border-bottom: Black 1pt solid; width: 0.75in; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; text-align: justify">&nbsp;</TD>
</TR></TABLE>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><I>(Contact Name, Email,
Phone)</I></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"><FONT STYLE="font-size: 10pt">(k)</FONT></TD><TD STYLE="text-align: justify"><I>Force
                                            Majeure.</I>&nbsp; Georgeson will not be liable for any delay or failure in performance when
                                            such delay or failure arises from circumstances beyond its reasonable control, including
                                            without limitation acts of God, acts of government in its sovereign or contractual capacity,
                                            acts of public enemy or terrorists, acts of civil or military authority, war, riots, civil
                                            strife, terrorism, blockades, sabotage, rationing, embargoes, epidemics, pandemics, outbreaks
                                            of infectious diseases or any other public health crises, earthquakes, fire, flood, other
                                            natural disaster, quarantine or any other employee restrictions, power shortages or failures,
                                            utility or communication failure or delays, labor disputes, strikes, or shortages, supply
                                            shortages, equipment failures, or software malfunctions.</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; text-align: right"><IMG SRC="tm228106d2_ex99k16img001.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">Virtus Total Return Fund</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">________, 2022</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Page&nbsp;4</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"><FONT STYLE="font-size: 10pt">(l)</FONT></TD><TD STYLE="text-align: justify"><I>Entire
                                            Agreement; Appendix.</I> This Agreement constitutes the entire agreement and supersedes all
                                            prior agreements and understandings, both written and oral, between the parties hereto with
                                            respect to the subject matter hereof. The Appendix to this Agreement shall be deemed to be
                                            incorporated herein by reference as if fully set forth herein. This Agreement shall be binding
                                            upon all successors to the Fund (by operation of law or otherwise).</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">[Remainder of page&nbsp;intentionally left blank.
Signature page&nbsp;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"></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: right"><IMG SRC="tm228106d2_ex99k16img001.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">Virtus Total Return Fund</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">________, 2022</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Page&nbsp;5</P>

<P STYLE="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>If the above is acceptable, please
execute and return the enclosed duplicate of this Agreement to Georgeson LLC, 1290 Avenue of the Americas, 9<SUP>th</SUP> floor, New
York, NY 10104, Attention: Christopher M. Hayden.</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 COLSPAN="2" STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Sincerely,</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: justify">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">GEORGESON LLC</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: justify">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2" 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 STYLE="border-bottom: Black 1pt solid; text-align: justify">&nbsp;&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Christopher
    M. Hayden</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: justify">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Title:&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Chief
    Operating Officer &gt; US&#9;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: justify">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Agreed to and
    accepted as of </FONT></TD>
    <TD COLSPAN="2" STYLE="text-align: justify">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">the date first
    set forth above:</FONT></TD>
    <TD COLSPAN="2" STYLE="text-align: justify">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: justify">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">VIRTUS TOTAL
    RETURN FUND</FONT></TD>
    <TD COLSPAN="2" STYLE="text-align: justify">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; width: 4%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">By:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: justify; width: 46%">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD STYLE="text-align: justify; width: 4%">&nbsp;</TD>
    <TD STYLE="text-align: justify; width: 46%">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: justify">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: justify">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Title:&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: justify">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

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

<P STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><IMG SRC="tm228106d2_ex99k16img001.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">VIRTUS TOTAL RETURN FUND</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">____________, 2022</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><U>FEES&nbsp;&amp; SERVICES SCHEDULE</U></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: 82%; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>BASE SERVICES</U></FONT></TD>
    <TD STYLE="width: 2%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 16%"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; border-bottom: Black 0.75pt solid">$[ ]</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Symbol">&middot;</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;Advance review of
Offering documents</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;Strategic
    advice relating to the Offering</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;Dissemination
    of Offering documents to bank and broker community</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><FONT STYLE="font-family: Symbol">&middot;</FONT>&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif">Communication
    with bank and broker community during Offering period</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-size: 10pt">NOTE: The foregoing
fees are <U>exclusive</U> of Expenses and custodial charges as described in paragraphs (c)&nbsp;and (d)&nbsp;of this Agreement. In addition,
the Fund will be charged a fee of </FONT>$[ ] per extension if the Offering is extended for any reason.</P>

<P STYLE="font: 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"><U>ADDITIONAL SERVICES</U></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: 70%; 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">Services</TD><TD STYLE="padding-bottom: 1pt; font: bold 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center">Flat Fee</TD><TD STYLE="padding-bottom: 1pt; font: bold 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center">Unit Fee</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; width: 68%">Program Setup Fee</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%">&nbsp;</TD>
    <TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif; width: 1%">$</TD>
    <TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif; width: 16%">[&nbsp;&nbsp;]</TD><TD STYLE="font-size: 10pt; width: 1%">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt; width: 1%">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; width: 12%">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Calls</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">[&nbsp;&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">Inbound Calls - Per Minute (minimum $1,000)</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">[&nbsp;&nbsp;]</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Phone Number Look-up</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" 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">$</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">[&nbsp;&nbsp;]</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Mobile telephone number manual dialing</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">[&nbsp;&nbsp;]</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Per extension or subsequent offering period</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" 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">$</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">[&nbsp;&nbsp;]</TD></TR>
  </TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><U>FEE PAYMENT INSTRUCTIONS</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: justify">The Fund shall pay Georgeson as follows:</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-size: 10pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Upon
                                            execution of this Agreement, the Fund shall pay Georgeson $[ ], which amount is in consideration
                                            of Georgeson&rsquo;s commitment to represent the Fund and is non-refundable;</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: 0.25in"><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-family: Times New Roman, Times, Serif">If
                                            applicable, immediately prior to the commencement of the mailing, the Fund shall advance
                                            to Georgeson a portion of anticipated custodial charges; as described in paragraph (d)&nbsp;of
                                            this Agreement; and</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: 0.25in"><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-family: Times New Roman, Times, Serif">Upon
                                            completion of the Offer, the Fund shall pay Georgeson the sum of (i)&nbsp;any variable fees
                                            as described above under &ldquo;Additional Services&rdquo; which have accrued over the course
                                            of the Offer, (ii)&nbsp;all unreimbursed custodial charges, as described in paragraph (d)&nbsp;of
                                            this Agreement, and (iii)&nbsp;all Expenses.</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">Georgeson will send the Fund an invoice for each
of the foregoing payments, which invoices will include written transfer instructions.</P>

<P STYLE="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>
<TYPE>EX-99.(L)
<SEQUENCE>12
<FILENAME>tm228106d2_ex99l.htm
<DESCRIPTION>EXHIBIT 99.(L)
<TEXT>
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<P STYLE="text-align: right; margin: 0"><B>Exhibit (l)</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><IMG SRC="tm228106d2_ex99i001.jpg" ALT="">&nbsp;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">July 28, 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; text-align: justify">Virtus Total Return Fund Inc.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">We have acted as special Maryland counsel to Virtus Total Return Fund
Inc., a Maryland corporation (the &ldquo;Company&rdquo;), in connection with the registration under the Securities Act of 1933, as amended
(the &ldquo;Act&rdquo;), of certain non-transferable rights (the &ldquo;Rights&rdquo;) to be issued to its shareholders, entitling the
holders of such Rights to subscribe (the &ldquo;Offer&rdquo;) for up to an aggregate of 20,625,000 shares (the &ldquo;Shares&rdquo;) of
the Company&rsquo;s common stock, par value $0.001 per share (&ldquo;Common Stock&rdquo;), on its Registration Statement on Form N-2 filed
by the Company with the Securities and Exchange Commission on July 28, 2022 (File No. 333-263245) (together with all amendments through
the date hereof, the &ldquo;Registration Statement&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">We have examined the Registration Statement (exclusive of the exhibits
thereto other than the Company&rsquo;s governing documents) and such corporate records, certificates, and documents as we deemed necessary
for the purpose of this opinion. We have relied as to certain factual matters on information obtained from public officials and officers
of the Company. Based on that examination, we advise you that in our opinion the Rights, and any Shares issued upon the exercise of such
Rights offered by the Company, have been duly authorized and, assuming that upon any issuance of the Shares pursuant to the exercise of
such Rights in accordance with the Registration Statement, the total number of shares of Common Stock issued and outstanding will not
exceed the total number of shares of Common Stock that the Company is then authorized to issue under its charter, when issued and delivered
under the circumstances contemplated in the Registration Statement, will be legally issued, fully paid, and non-assessable.</P>

<P STYLE="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 expressing the opinion set forth herein, we have assumed that (i)
all documents submitted to us as originals are authentic, (ii) all documents submitted to us as copies conform with the originals of those
documents, (iii) all signatures on all documents submitted to us for examination are genuine, (iv) each natural person executing any such
document is legally competent to do so, (v) all public records reviewed by us or on our behalf are accurate and complete, and (vi) at
the time of issuance of any of the Shares, (A) the Company will be in good standing under the laws of the State of Maryland, and (B) none
of the governing documents of the Company will have been amended so as to cause such issuance of the Shares to conflict with or violate
any provisions of the governing documents of the Company.</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="tm228106d2_ex99i002.jpg" ALT="">&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"></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="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 52%; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Virtus Total Return Fund Inc.</FONT></TD>
    <TD ROWSPAN="4" STYLE="text-align: right; width: 48%; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt">&nbsp;<IMG SRC="tm228106d2_ex99i001.jpg" ALT=""></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">July 28, 2022</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Page 2</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 10pt">&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">We express no opinion with respect to the laws of, or the effect or
applicability of the laws of, any jurisdiction other than, and our opinion expressed herein is limited to, the laws of the State of Maryland.
The opinion expressed herein is limited to the matters expressly set forth in this letter and no other opinion should be inferred beyond
the matters expressly stated.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">We hereby consent to the use of our name and the discussion of this
opinion under the headings &ldquo;Legal Matters&rdquo; in the Prospectus Supplement forming a part of the Registration Statement and to
the filing of this opinion as an exhibit to the Registration Statement. In giving our consent, we do not thereby admit that we are in
the category of persons whose consent is required under Section 7 of the Act or the rules and regulations of the Securities and Exchange
Commission 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">Very truly yours,</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Miles &amp; Stockbridge P.C.</P>

<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: 3%; font-size: 10pt">By:</TD>
    <TD STYLE="border-bottom: Black 1pt solid; width: 47%; font-size: 10pt">/s/ Scott R. Wilson</TD>
    <TD STYLE="width: 50%; font-size: 10pt">&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"></P>

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<DOCUMENT>
<TYPE>EX-99.(N)
<SEQUENCE>13
<FILENAME>tm228106d2_ex99n.htm
<DESCRIPTION>EXHIBIT 99.(N)
<TEXT>
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<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="text-align: right; margin: 0"><B>Exhibit (n)</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING
FIRM</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">We hereby consent to the incorporation by reference in this Registration
Statement on Form N-2 of Virtus Total Return Fund Inc. of our report dated January 21, 2022 relating to the financial statements and financial
highlights, which appears in the Virtus Total Return Fund Inc. Annual Report on Form N-CSR for the year ended November 30, 2021. We also
consent to the references to us under the headings &ldquo;Financial Highlights&rdquo;, &ldquo;Experts&rdquo;, &ldquo;Independent Registered
Public Accounting Firm&rdquo; and &ldquo;Financial Statements&rdquo; in such Registration Statement.</P>

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0.5in 0pt 0">July 28, 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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<DOCUMENT>
<TYPE>EX-FILING FEES
<SEQUENCE>14
<FILENAME>tm228106d2_ex99s.htm
<DESCRIPTION>EX-FILING FEES
<TEXT>
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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"><B>Exhibit (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"><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"><B>FORM&nbsp;N-2</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">(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"><B>Virtus Total Return
Fund Inc.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">(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"><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: 8pt Times New Roman, Times, Serif">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; font-size: 8pt; padding-bottom: 1pt; padding-left: 1pt">&nbsp;</TD>
    <TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: center; border-bottom: Black 1pt solid; padding-left: 1pt">Security<BR> Type</TD><TD STYLE="padding-right: 1pt; font-size: 8pt; padding-bottom: 1pt; padding-left: 1pt">&nbsp;</TD>
    <TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: center; border-bottom: Black 1pt solid; padding-left: 1pt">Security<BR> Class<BR>
    Title</TD><TD STYLE="padding-right: 1pt; font-size: 8pt; padding-bottom: 1pt; padding-left: 1pt">&nbsp;</TD>
    <TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: center; border-bottom: Black 1pt solid; padding-left: 1pt">Fee<BR> Calculation<BR>
    or Carry<BR> Forward<BR> Rule</TD><TD STYLE="padding-right: 1pt; font-size: 8pt; padding-bottom: 1pt; padding-left: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: center; border-bottom: Black 1pt solid; padding-left: 1pt">Amount<BR>
    Registered</TD><TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; font-size: 8pt; padding-bottom: 1pt; padding-left: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: center; border-bottom: Black 1pt solid; padding-left: 1pt">Proposed<BR>
    Maximum<BR> Offering<BR> Price Per<BR> Unit</TD><TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; font-size: 8pt; padding-bottom: 1pt; padding-left: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: center; border-bottom: Black 1pt solid; padding-left: 1pt">Maximum<BR>
    Aggregate<BR> Offering Price</TD><TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; font-size: 8pt; padding-bottom: 1pt; padding-left: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: center; border-bottom: Black 1pt solid; padding-left: 1pt">Fee<BR>
    Rate</TD><TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; font-size: 8pt; padding-bottom: 1pt; padding-left: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: center; border-bottom: Black 1pt solid; padding-left: 1pt">Amount of<BR>
    Registration<BR> Fee</TD><TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; font: 8pt Times New Roman, Times, Serif; padding-bottom: 1pt; padding-left: 1pt">&nbsp;</TD>
    <TD STYLE="padding-right: 1pt; padding-bottom: 1pt; border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: center; padding-left: 1pt">Carry<BR>
    Forward <BR>Form<BR> Type</TD><TD STYLE="padding-right: 1pt; font: 8pt Times New Roman, Times, Serif; padding-bottom: 1pt; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; font: 8pt Times New Roman, Times, Serif; padding-bottom: 1pt; padding-left: 1pt">&nbsp;</TD>
    <TD STYLE="padding-right: 1pt; padding-bottom: 1pt; border-bottom: Black 1pt solid; font: 8pt Times New Roman, Times, Serif; text-align: center; padding-left: 1pt">Carry
    <BR>Forward <BR>File <BR>Number</TD><TD STYLE="padding-right: 1pt; font: 8pt Times New Roman, Times, Serif; padding-bottom: 1pt; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; font-size: 8pt; padding-bottom: 1pt; padding-left: 1pt">&nbsp;</TD>
    <TD STYLE="padding-right: 1pt; padding-bottom: 1pt; border-bottom: Black 1pt solid; font-size: 8pt; text-align: center; padding-left: 1pt">Carry<BR>
    Forward<BR> Initial<BR> effective<BR> date</TD><TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; font-size: 8pt; padding-bottom: 1pt; padding-left: 1pt">&nbsp;</TD>
    <TD STYLE="padding-right: 1pt; padding-bottom: 1pt; border-bottom: Black 1pt solid; font-size: 8pt; text-align: center; padding-left: 1pt">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</TD><TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; padding-left: 1pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD COLSPAN="39" STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: center; padding-left: 1pt">Newly Registered Securities</TD></TR>

     <TR STYLE="vertical-align: bottom;">
    <TD STYLE="padding-right: 1pt; font-size: 8pt; text-align: center; padding-bottom: 1pt; width: 7%; padding-left: 1pt">Fees
    to be<BR>
    Paid</TD><TD STYLE="padding-right: 1pt; width: 1%; font-size: 8pt; padding-bottom: 1pt; padding-left: 1pt">&nbsp;</TD>
    <TD STYLE="padding-right: 1pt; width: 5%; font-size: 8pt; text-align: center; padding-bottom: 1pt; padding-left: 1pt">Equity</TD><TD STYLE="padding-right: 1pt; width: 1%; font-size: 8pt; padding-bottom: 1pt; padding-left: 1pt">&nbsp;</TD>
    <TD STYLE="padding-right: 1pt; width: 5%; font-size: 8pt; text-align: center; padding-bottom: 1pt; padding-left: 1pt">Common<BR> Stock</TD><TD STYLE="padding-right: 1pt; width: 1%; font-size: 8pt; padding-bottom: 1pt; padding-left: 1pt">&nbsp;</TD>
    <TD STYLE="padding-right: 1pt; width: 6%; font-size: 8pt; text-align: right; padding-bottom: 1pt; padding-left: 1pt">457(c)</TD><TD STYLE="padding-right: 1pt; width: 1%; font-size: 8pt; padding-bottom: 1pt; padding-left: 1pt">&nbsp;</TD>
    <TD STYLE="padding-right: 1pt; padding-bottom: 1pt; width: 1%; font-size: 8pt; text-align: left; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; padding-bottom: 1pt; width: 5%; font-size: 8pt; text-align: right; padding-left: 1pt">20,625,000</TD><TD STYLE="padding-right: 1pt; width: 1%; padding-bottom: 1pt; font-size: 8pt; text-align: left; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; width: 1%; font-size: 8pt; padding-bottom: 1pt; padding-left: 1pt">&nbsp;</TD>
    <TD STYLE="padding-right: 1pt; padding-bottom: 1pt; width: 1%; font-size: 8pt; text-align: left; padding-left: 1pt">$</TD><TD STYLE="padding-right: 1pt; padding-bottom: 1pt; width: 5%; font-size: 8pt; text-align: right; padding-left: 1pt">8.36(1)</TD><TD STYLE="padding-right: 1pt; width: 1%; padding-bottom: 1pt; font-size: 8pt; text-align: left; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; width: 1%; font-size: 8pt; padding-bottom: 1pt; padding-left: 1pt">&nbsp;</TD>
    <TD STYLE="padding-right: 1pt; padding-bottom: 1pt; width: 1%; font-size: 8pt; text-align: left; padding-left: 1pt">$</TD><TD STYLE="padding-right: 1pt; padding-bottom: 1pt; width: 7%; font-size: 8pt; text-align: right; padding-left: 1pt">172,425,000</TD><TD STYLE="padding-right: 1pt; width: 1%; padding-bottom: 1pt; font-size: 8pt; text-align: left; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; width: 1%; font-size: 8pt; padding-bottom: 1pt; padding-left: 1pt">&nbsp;</TD>
    <TD STYLE="padding-right: 1pt; padding-bottom: 1pt; width: 1%; font-size: 8pt; text-align: left; padding-left: 1pt">$</TD><TD STYLE="padding-right: 1pt; padding-bottom: 1pt; width: 4%; font-size: 8pt; text-align: right; padding-left: 1pt">92.70</TD><TD STYLE="padding-right: 1pt; width: 1%; padding-bottom: 1pt; font-size: 8pt; text-align: left; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; width: 1%; font-size: 8pt; padding-bottom: 1pt; padding-left: 1pt">&nbsp;</TD>
    <TD STYLE="padding-right: 1pt; padding-bottom: 1pt; width: 1%; font-size: 8pt; text-align: left; padding-left: 1pt">$</TD><TD STYLE="padding-right: 1pt; padding-bottom: 1pt; width: 6%; font-size: 8pt; text-align: right; padding-left: 1pt">15,984</TD><TD STYLE="padding-right: 1pt; width: 1%; padding-bottom: 1pt; font-size: 8pt; text-align: left; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; width: 1%; font-size: 8pt; padding-bottom: 1pt; padding-left: 1pt">&nbsp;</TD>
    <TD STYLE="padding-right: 1pt; padding-bottom: 1pt; width: 5%; font-size: 8pt; text-align: right; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; width: 1%; padding-bottom: 1pt; font-size: 8pt; text-align: left; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; width: 1%; font-size: 8pt; padding-bottom: 1pt; padding-left: 1pt">&nbsp;</TD>
    <TD STYLE="padding-right: 1pt; padding-bottom: 1pt; width: 6%; font-size: 8pt; text-align: right; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; width: 1%; padding-bottom: 1pt; font-size: 8pt; text-align: left; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; width: 1%; font-size: 8pt; padding-bottom: 1pt; padding-left: 1pt">&nbsp;</TD>
    <TD STYLE="padding-right: 1pt; padding-bottom: 1pt; width: 6%; font-size: 8pt; text-align: right; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; width: 1%; padding-bottom: 1pt; font-size: 8pt; text-align: left; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; width: 1%; font-size: 8pt; padding-bottom: 1pt; padding-left: 1pt">&nbsp;</TD>
    <TD STYLE="padding-right: 1pt; padding-bottom: 1pt; width: 7%; font-size: 8pt; text-align: right; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; width: 1%; padding-bottom: 1pt; font-size: 8pt; text-align: left; padding-left: 1pt">&nbsp;</TD></TR>






  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding-right: 1pt; font-size: 8pt; text-align: center; padding-bottom: 1pt; padding-left: 1pt">Fees to be<BR>
    Paid</TD><TD STYLE="padding-right: 1pt; font-size: 8pt; padding-bottom: 1pt; padding-left: 1pt">&nbsp;</TD>
    <TD STYLE="padding-right: 1pt; font-size: 8pt; text-align: center; padding-bottom: 1pt; padding-left: 1pt">Other</TD><TD STYLE="padding-right: 1pt; font-size: 8pt; padding-bottom: 1pt; padding-left: 1pt">&nbsp;</TD>
    <TD STYLE="padding-right: 1pt; font-size: 8pt; text-align: center; padding-bottom: 1pt; padding-left: 1pt">Rights to<BR> Purchase<BR> Shares<BR>
    of<BR> Common<BR> Stock(2)</TD><TD STYLE="padding-right: 1pt; font-size: 8pt; padding-bottom: 1pt; padding-left: 1pt">&nbsp;</TD>
    <TD STYLE="padding-right: 1pt; font-size: 8pt; text-align: center; padding-bottom: 1pt; padding-left: 1pt">&mdash;</TD><TD STYLE="padding-right: 1pt; font-size: 8pt; padding-bottom: 1pt; padding-left: 1pt">&nbsp;</TD>
    <TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: left; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: right; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: left; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; font-size: 8pt; padding-bottom: 1pt; padding-left: 1pt">&nbsp;</TD>
    <TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: left; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: right; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: left; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; font-size: 8pt; padding-bottom: 1pt; padding-left: 1pt">&nbsp;</TD>
    <TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: left; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: right; padding-left: 1pt">&mdash;</TD><TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: left; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; font-size: 8pt; padding-bottom: 1pt; padding-left: 1pt">&nbsp;</TD>
    <TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: left; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: right; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: left; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; font-size: 8pt; padding-bottom: 1pt; padding-left: 1pt">&nbsp;</TD>
    <TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: left; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: right; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: left; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; font-size: 8pt; padding-bottom: 1pt; padding-left: 1pt">&nbsp;</TD>
    <TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: right; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: left; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; font-size: 8pt; padding-bottom: 1pt; padding-left: 1pt">&nbsp;</TD>
    <TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: right; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: left; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; font-size: 8pt; padding-bottom: 1pt; padding-left: 1pt">&nbsp;</TD>
    <TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: right; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: left; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; font-size: 8pt; padding-bottom: 1pt; padding-left: 1pt">&nbsp;</TD>
    <TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: right; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: left; padding-left: 1pt">&nbsp;</TD></TR>

  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: center; padding-left: 1pt">Fees
    Previously<BR>
    Paid</TD><TD STYLE="padding-right: 1pt; font-size: 8pt; padding-bottom: 1pt; padding-left: 1pt">&nbsp;</TD>
    <TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; font-size: 8pt; padding-bottom: 1pt; padding-left: 1pt">&nbsp;</TD>
    <TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; font-size: 8pt; padding-bottom: 1pt; padding-left: 1pt">&nbsp;</TD>
    <TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; font-size: 8pt; padding-bottom: 1pt; padding-left: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; font-size: 8pt; padding-bottom: 1pt; padding-left: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; font-size: 8pt; padding-bottom: 1pt; padding-left: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; font-size: 8pt; padding-bottom: 1pt; padding-left: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; font-size: 8pt; padding-bottom: 1pt; padding-left: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; font-size: 8pt; padding-bottom: 1pt; padding-left: 1pt">&nbsp;</TD>
    <TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; font-size: 8pt; padding-bottom: 1pt; padding-left: 1pt">&nbsp;</TD>
    <TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; font-size: 8pt; padding-bottom: 1pt; padding-left: 1pt">&nbsp;</TD>
    <TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; font-size: 8pt; padding-bottom: 1pt; padding-left: 1pt">&nbsp;</TD>
    <TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; padding-left: 1pt">&nbsp;</TD></TR>

  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD COLSPAN="39" STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: center; padding-left: 1pt">Carry Forward Securities</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 1pt; font-size: 8pt; text-align: center; padding-bottom: 1pt; padding-left: 1pt">Carry<BR> Forward<BR>
    Securities</TD><TD STYLE="padding-right: 1pt; font-size: 8pt; padding-bottom: 1pt; padding-left: 1pt">&nbsp;</TD>
    <TD STYLE="padding-right: 1pt; font-size: 8pt; padding-bottom: 1pt; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; font-size: 8pt; padding-bottom: 1pt; padding-left: 1pt">&nbsp;</TD>
    <TD STYLE="padding-right: 1pt; font-size: 8pt; padding-bottom: 1pt; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; font-size: 8pt; padding-bottom: 1pt; padding-left: 1pt">&nbsp;</TD>
    <TD STYLE="padding-right: 1pt; font-size: 8pt; padding-bottom: 1pt; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; font-size: 8pt; padding-bottom: 1pt; padding-left: 1pt">&nbsp;</TD>
    <TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: left; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: right; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: left; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; font-size: 8pt; padding-bottom: 1pt; padding-left: 1pt">&nbsp;</TD>
    <TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: left; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: right; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: left; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; font-size: 8pt; padding-bottom: 1pt; padding-left: 1pt">&nbsp;</TD>
    <TD STYLE="padding-right: 1pt; padding-bottom: 1pt; border-bottom: Black 1pt solid; font-size: 8pt; text-align: left; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; padding-bottom: 1pt; border-bottom: Black 1pt solid; font-size: 8pt; text-align: right; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: left; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; font-size: 8pt; padding-bottom: 1pt; padding-left: 1pt">&nbsp;</TD>
    <TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: left; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: right; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: left; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; font-size: 8pt; padding-bottom: 1pt; padding-left: 1pt">&nbsp;</TD>
    <TD STYLE="padding-right: 1pt; padding-bottom: 1pt; border-bottom: Black 1pt solid; font-size: 8pt; text-align: left; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; padding-bottom: 1pt; border-bottom: Black 1pt solid; font-size: 8pt; text-align: right; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: left; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; font-size: 8pt; padding-bottom: 1pt; padding-left: 1pt">&nbsp;</TD>
    <TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: right; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: left; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; font-size: 8pt; padding-bottom: 1pt; padding-left: 1pt">&nbsp;</TD>
    <TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: right; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: left; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; font-size: 8pt; padding-bottom: 1pt; padding-left: 1pt">&nbsp;</TD>
    <TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: right; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: left; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; font-size: 8pt; padding-bottom: 1pt; padding-left: 1pt">&nbsp;</TD>
    <TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: right; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: left; padding-left: 1pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding-right: 1pt; font-size: 8pt; padding-bottom: 1pt; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; font-size: 8pt; padding-bottom: 1pt; padding-left: 1pt">&nbsp;</TD>
    <TD COLSPAN="8" STYLE="padding-right: 1pt; font-size: 8pt; text-align: right; padding-bottom: 1pt; padding-left: 1pt">Total Offering Amounts</TD><TD STYLE="padding-right: 1pt; padding-bottom: 1pt; text-align: left; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; font-size: 8pt; padding-bottom: 1pt; padding-left: 1pt">&nbsp;</TD>
    <TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: left; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: right; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: left; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; font-size: 8pt; padding-bottom: 1pt; padding-left: 1pt">&nbsp;</TD>
    <TD STYLE="padding-right: 1pt; padding-bottom: 1pt; border-bottom: Black 1pt solid; font-size: 8pt; text-align: left; padding-left: 1pt">$</TD><TD STYLE="padding-right: 1pt; padding-bottom: 1pt; border-bottom: Black 1pt solid; font-size: 8pt; text-align: right; padding-left: 1pt">172,425,000</TD><TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: left; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; font-size: 8pt; padding-bottom: 1pt; padding-left: 1pt">&nbsp;</TD>
    <TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: left; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: right; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: left; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; font-size: 8pt; padding-bottom: 1pt; padding-left: 1pt">&nbsp;</TD>
    <TD STYLE="padding-right: 1pt; padding-bottom: 1pt; border-bottom: Black 1pt solid; font-size: 8pt; text-align: left; padding-left: 1pt">$</TD><TD STYLE="padding-right: 1pt; padding-bottom: 1pt; border-bottom: Black 1pt solid; font-size: 8pt; text-align: right; padding-left: 1pt">15,984</TD><TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: left; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; font-size: 8pt; padding-bottom: 1pt; padding-left: 1pt">&nbsp;</TD>
    <TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: right; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: left; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; font-size: 8pt; padding-bottom: 1pt; padding-left: 1pt">&nbsp;</TD>
    <TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: right; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: left; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; font-size: 8pt; padding-bottom: 1pt; padding-left: 1pt">&nbsp;</TD>
    <TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: right; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: left; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; font-size: 8pt; padding-bottom: 1pt; padding-left: 1pt">&nbsp;</TD>
    <TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: right; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: left; padding-left: 1pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 1pt; font-size: 8pt; padding-bottom: 1pt; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; font-size: 8pt; padding-bottom: 1pt; padding-left: 1pt">&nbsp;</TD>
    <TD COLSPAN="8" STYLE="padding-right: 1pt; font-size: 8pt; text-align: right; padding-bottom: 1pt; padding-left: 1pt">Total Fees Previously
    Paid</TD><TD STYLE="padding-right: 1pt; padding-bottom: 1pt; text-align: left; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; font-size: 8pt; padding-bottom: 1pt; padding-left: 1pt">&nbsp;</TD>
    <TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: left; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: right; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: left; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; font-size: 8pt; padding-bottom: 1pt; padding-left: 1pt">&nbsp;</TD>
    <TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: left; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: right; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: left; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; font-size: 8pt; padding-bottom: 1pt; padding-left: 1pt">&nbsp;</TD>
    <TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: left; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: right; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: left; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; font-size: 8pt; padding-bottom: 1pt; padding-left: 1pt">&nbsp;</TD>
    <TD STYLE="padding-right: 1pt; padding-bottom: 1pt; border-bottom: Black 1pt solid; font-size: 8pt; text-align: left; padding-left: 1pt">$</TD><TD STYLE="padding-right: 1pt; padding-bottom: 1pt; border-bottom: Black 1pt solid; font-size: 8pt; text-align: right; padding-left: 1pt">15,984</TD><TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: left; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; font-size: 8pt; padding-bottom: 1pt; padding-left: 1pt">&nbsp;</TD>
    <TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: right; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: left; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; font-size: 8pt; padding-bottom: 1pt; padding-left: 1pt">&nbsp;</TD>
    <TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: right; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: left; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; font-size: 8pt; padding-bottom: 1pt; padding-left: 1pt">&nbsp;</TD>
    <TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: right; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: left; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; font-size: 8pt; padding-bottom: 1pt; padding-left: 1pt">&nbsp;</TD>
    <TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: right; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: left; padding-left: 1pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding-right: 1pt; font-size: 8pt; padding-bottom: 1pt; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; font-size: 8pt; padding-bottom: 1pt; padding-left: 1pt">&nbsp;</TD>
    <TD COLSPAN="8" STYLE="padding-right: 1pt; font-size: 8pt; text-align: right; padding-bottom: 1pt; padding-left: 1pt">Total Fee Offsets</TD><TD STYLE="padding-right: 1pt; padding-bottom: 1pt; text-align: left; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; font-size: 8pt; padding-bottom: 1pt; padding-left: 1pt">&nbsp;</TD>
    <TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: left; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: right; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: left; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; font-size: 8pt; padding-bottom: 1pt; padding-left: 1pt">&nbsp;</TD>
    <TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: left; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: right; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: left; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; font-size: 8pt; padding-bottom: 1pt; padding-left: 1pt">&nbsp;</TD>
    <TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: left; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: right; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: left; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; font-size: 8pt; padding-bottom: 1pt; padding-left: 1pt">&nbsp;</TD>
    <TD STYLE="padding-right: 1pt; padding-bottom: 1pt; border-bottom: Black 1pt solid; font-size: 8pt; text-align: left; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; padding-bottom: 1pt; border-bottom: Black 1pt solid; font-size: 8pt; text-align: right; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: left; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; font-size: 8pt; padding-bottom: 1pt; padding-left: 1pt">&nbsp;</TD>
    <TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: right; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: left; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; font-size: 8pt; padding-bottom: 1pt; padding-left: 1pt">&nbsp;</TD>
    <TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: right; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: left; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; font-size: 8pt; padding-bottom: 1pt; padding-left: 1pt">&nbsp;</TD>
    <TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: right; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: left; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; font-size: 8pt; padding-bottom: 1pt; padding-left: 1pt">&nbsp;</TD>
    <TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: right; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: left; padding-left: 1pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 1pt; font-size: 8pt; padding-bottom: 1pt; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; font-size: 8pt; padding-bottom: 1pt; padding-left: 1pt">&nbsp;</TD>
    <TD COLSPAN="8" STYLE="padding-right: 1pt; font-size: 8pt; text-align: right; padding-bottom: 1pt; padding-left: 1pt">Net Fee Due</TD><TD STYLE="padding-right: 1pt; padding-bottom: 1pt; text-align: left; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; font-size: 8pt; padding-bottom: 1pt; padding-left: 1pt">&nbsp;</TD>
    <TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: left; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: right; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: left; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; font-size: 8pt; padding-bottom: 1pt; padding-left: 1pt">&nbsp;</TD>
    <TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: left; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: right; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: left; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; font-size: 8pt; padding-bottom: 1pt; padding-left: 1pt">&nbsp;</TD>
    <TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: left; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: right; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: left; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; font-size: 8pt; padding-bottom: 1pt; padding-left: 1pt">&nbsp;</TD>
    <TD STYLE="padding-right: 1pt; padding-bottom: 1pt; border-bottom: Black 1pt solid; font-size: 8pt; text-align: left; padding-left: 1pt">$</TD><TD STYLE="padding-right: 1pt; padding-bottom: 1pt; border-bottom: Black 1pt solid; font-size: 8pt; text-align: right; padding-left: 1pt">0</TD><TD STYLE="padding-right: 1pt; font-size: 8pt; padding-bottom: 1pt; padding-left: 1pt">&nbsp;</TD>
    <TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: right; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: left; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; font-size: 8pt; padding-bottom: 1pt; padding-left: 1pt">&nbsp;</TD>
    <TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: right; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: left; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; font-size: 8pt; padding-bottom: 1pt; padding-left: 1pt">&nbsp;</TD>
    <TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: right; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: left; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; font-size: 8pt; padding-bottom: 1pt; padding-left: 1pt">&nbsp;</TD>
    <TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: right; padding-left: 1pt">&nbsp;</TD><TD STYLE="padding-right: 1pt; padding-bottom: 1pt; font-size: 8pt; text-align: left; padding-left: 1pt">&nbsp;</TD></TR>
  </TABLE>

<P STYLE="font: 8pt 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>(1)</TD>
    <TD>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 July 27, 2022.</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.25in">(2)</TD>
    <TD>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.</TD></TR>
  </TABLE>
<P STYLE="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>CORRESP
<SEQUENCE>24
<FILENAME>filename24.htm
<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: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><IMG SRC="tm228106d1_correspimg001.jpg"></P>

<P STYLE="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">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">July 28, 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 pre-effective amendment 1 to 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: 60%">&nbsp;</TD>
    <TD STYLE="width: 30%; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Very truly yours,</FONT></TD>
    <TD STYLE="width: 10%">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD>&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>
    <TD>&nbsp;</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>
    <TD>&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">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>

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