User Terms and Legal Information

The sites published by BZ Bank are directed only at legal and natural persons seated or domiciled in countries in which the mentioned investment funds are duly registered or approved for public distribution, offering or sale according to the applicable local laws.

Please read the user terms and legal information carefully.

By accessing any of the information supplied by BZ Bank Aktiengesellschaft (hereafter BZ Bank) in electronic form (hereafter "the sites") you signify your understanding of and agreement with the following Terms & Conditions and legal information. The Terms & Conditions for access and use of the sites are subject to change without notice. The Terms & Conditions and legal information as well as the access and use of the sites from BZ Bank are governed exclusively by the laws of Switzerland whereby international conventions and Swiss conflict of law rules are hereby excluded from application. Exclusive place of jurisdiction is Frreienbach (SZ, Switzerland).

The sites published by BZ Bank are directed only at legal and natural persons seated or domiciled in countries in which the mentioned investment funds are duly registered or approved for public distribution, offering or sale according to the applicable local laws. Where the public distribution of such investment funds and/or the distribution and use of the sites published by BZ Bank would be contrary to local law or regulation, persons or legal entities in respect of whom such prohibitions/restrictions apply must not access or use the sites.

The information and opinions expressed in the sites were produced by BZ Bank as of the date of writing and are subject to change without notice. All sites are published solely for information purposes and for the personal and exclusive use of the recipient. The sites do not constitute an offer or an invitation by or on behalf of BZ Bank to any person to purchase, subscribe, sell or redeem any investments or to effect any other transactions or to participate in any particular trading strategy in any jurisdiction. The sites have been prepared without taking account of the objectives, financial situation or needs of any particular investor. Nothing in the sites constitutes investment, legal, accounting or tax advice, or a representation that any investment or strategy is suitable or appropriate to individual circumstances, or otherwise constitutes a personal recommendation to any specific investor. Before entering into any transaction, investors should consider the suitability of the transaction to individual circumstances and objectives. BZ Bank recommends that investors independently assess, with a professional financial advisor, the specific financial risks as well as legal, regulatory, credit, tax and accounting consequences.

Although the information contained in the sites has been obtained from and is based upon sources that BZ Bank believes to be reliable, no representation of any kind is made that the information is accurate, complete or timeliness. Unless otherwise stated, all figures are unaudited. BZ Bank does not accept liability for any loss arising from the use of the published sites. The price and value of investments mentioned and any income that might accrue may fluctuate and may rise or fall. Any reference to past performance is not necessarily indicative of future results. Foreign currency rates of exchange may adversely affect the value, price or income of any products mentioned in the sites.

The published sites are not the result of a financial analysis and therefore not subject to the Directives on the Independence of Financial Research of the Swiss Bankers Association.

Neither the sites nor any copy thereof may be sent, taken into or distributed in the United States or to any US person.

The sites published by BZ Bank may not be reproduced, either in whole or in part, without the written permission of BZ Bank.





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