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The information provided at our web sites is generally marketing communication (pursuant to Art. 36 para. 2 Austrian Securities Supervision Act 2007, “WAG”) or other information (pursuant to the Circular of the Austrian Financial Market Authority regarding “information including marketing communication) respectively and does not represent investment research (pursuant to Art. 36 para. 1 WAG). It serves to provide our investors with additional information and is based on the level of knowledge of the person in charge of drawing up the information on the respective date of its preparation. The marketing communication has not been prepared in accordance with legal requirements designed to promote the independence of investment research and it is not subject to the prohibition on dealing ahead of the dissemination of investment research. Other information which is just describing product features without emphasizing product selling points, or information about general economic data, indices or the like is not representing marketing communication provided that the informative character is in the main focus of the information and there are no direct buying incentives. In addition to that our web sites provide investment research (in the legal sense of Art. 36 para. 1 WAG in connection with Art. 48f para. 1 nr. 4 Austrian Stock Exchange Act) which are carried out by our investment research department (“Erste Group Research”) in compliance with all legal requirements. If the information is an investment research in terms of above, the disclaimer of the publication is specifically naming the information as investment research or financial analysis respectively. Our representations, investment research and conclusions are of a general nature and do not take into account our investors' individual needs regarding returns, taxes, risk tolerance or whether the financial products or transaction referred to herein is a suitable or appropriate investment for them. The performance and sample calculations provided give no reliable indications on the future performance. Past performance is not necessarily indicative for future performances and transactions in financial products (including but not limited to securities, futures, options and other financial instruments) give rise to risks.

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The Interested Party is solely responsible to examine, whether he may enter the Websites under the law applicable to it. Erste Group shall not be responsible for the distribution of content of any of the Websites to individuals or entities which provide false information about their right to enter the Websites. For this reason Erste Group shall not be liable for any legal claims or damages which may result from the unauthorized entering or reading of the Websites.

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