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Disclamer

The visit and use of the websites of Templer Securities are subject to the below "General Notes on the Offer of Templer Securities” and the "Instructions for Use and Disclaimer for the Websites of Templer Securities, which you accept by visiting this/these site(s).

This information document does not take into account either the specific investment goals or the financial situation or special needs of the recipient. It only serves for information purposes and shall not be deemed an offer to sell or a solicitation to submit an offer to purchase securities or financial instruments. The presented securities or financial instruments might not be suitable as an investment instrument for every recipient. The purchase of these instruments might involve risk. Therefore, it is strongly recommended to obtain independent advice from investment and/or tax advisors and to thoroughly read the risk notes in the offering memorandum. Any provided product-specific information is based on data taken from the offering memorandum. However, only the offering memorandum is legally binding. Thus, the information materials should only be read together with the offering memorandum. The provided information is based on sources that Templer Securities considers reliable. However, Templer Securities cannot warrant their accuracy and completeness.

This information document including any and all of its parts may not be reproduced or distributed in any way whatsoever without the publisher’s consent. The publisher expressly prohibits any further distribution of this document via the Internet or otherwise and may not be held liable for any such acts by third parties.

1. General Notes on the Offer of Templer Securities

Execution only

Templer Securities exclusively carries out any trades in securities, derivatives and other financial products on an execution-only base. This means that no investment recommendation based on the personal situation of the customer, particularly in the form of individual investment advice in relation with each transaction ordered or with respect to the composition of the account, is given.

Execution of transactions as a commission agent

Any and all transactions are executed by Templer Securities in its capacity as a commission agent, i.e. on its own behalf for the customer’s account. Only transactions for which Templer Securities and the customer have expressly made different agreements shall be excluded from this rule. The General Terms and Conditions of Templer Securities and any other special terms and conditions of the respective business division of Templer Securities apply. Such terms and conditions may be inspected at the offices or requested from Templer Securities (info line: + 382-20-262762 Templer Securities ). Important notes and useful information on details with respect to the use of individual services and products of Templer Securities can be found on this website of Templer Securities.

Terms and conditions for the stock exchange und over-the-counter trade

Furthermore, securities transactions at stock exchanges are governed by the terms and conditions of the relevant stock exchange, which can directly be provided by such stock exchange upon request and usually also be seen from the websites of such stock exchange. The over-the-counter trade is governed by the terms and conditions agreed upon with the trading partners, which can be seen from the websites of the trading partners and/or the customer agreements.

Funds, new issues and other placements

The complete product terms and conditions and any other details on the funds, new issues and placements, which are solely binding, can be seen from the relevant offering memorandum and any pertaining addendums. The offering memorandum and the current accounting report, if any, are available from the responsible issuer. Additionally, such documents can be found on the issuer’s relevant product sites at the Internet. If you wish to receive certain documents by post, please contact:

Info line: + 382-20-262762 - Templer Securities

Day trading

Below Templer Securities informs you about the risks and the scope of the same-day purchase and sale of securities and derivatives. If you use or intend to use in the future the offer of Templer Securities for the same-day purchase and sale of the same securities and derivatives, so-called intra-day trading, please observe the following notes:

"Day trading" can lead to immediate losses for you

It is possible that you lose your entire capital

If you carry out futures trades that lead to losses exceeding the security deposited by you, your will have to procure additional capital

In the event of day-trading transactions financed by loans you will be obliged to redeem the loan irrespective of their success

When you attempt to generate profits from day trading, you are competing with professional and financially strong market participants

Day trading requires profound knowledge with respect to securities markets, securities trading techniques, securities trading strategies and derivative financial instruments

If you carry out day trading in so-called trading rooms, the spatial proximity to other investors might influence your own behavior. Templer Securities does not provide such trading rooms.

Brokerage fees

Furthermore, we hereby inform you that in certain cases contract partners of Templer Securities pay fees for the brokerage activities carried out by Templer Securities . Such fee can be a part of or the entire load, or a so called trailer fee and/or a sales commission can be paid recurrently, usually monthly. The amount of such commission can vary and depends on the underlying transaction.

Banner advertisements

Banner advertisements do not constitute a direct recommendation to buy, hold or sell a financial product and do not give rise to any individual advice or information relationship.

Templer Securities

Information about Templer Securities itself can be found in this website.

2. Instructions for Use and Disclaimer for the Websites of Templer Securities

Products and services

Certain parts of the website are only accessible for customers or registered users, who will have to enter their personal account number and a PIN or the user ID. The services and information offered in these closed areas are exclusively reserved to customers and/or the registered users.

If Templer Securities provides exchange-related or economic information, share prices, indexes, prices, news and general market data on the websites, such are only for your information and for supporting your independent investment decision. They do not constitute a direct recommendation to buy, hold or sell a financial product and do not give rise to any individual advice or information relationship. Furthermore, they are not intended to constitute any legal, fiscal or other advice.

Before you make any investment or trading decisions, you should carefully inform yourself about the opportunities and risks of the investment. Apart from the financial aspects, this might also include the fiscal and legal ones. Please particularly note that the past performance of a financial product is not indicative of future results. Please also note the "[Basic Information on Futures”, which you have received if you are a customer of Templer Securities.

The information published on the websites of Templer Securities might not include all necessary and/or current information for your investment. Apart from the products and services on which information is provided on the websites of Templer Securities, there might be other products and services that are more suitable for the intended investment and/or purpose.

If any information published on the website is provided by issuers or other third parties, it originates from sources that Templer Securities considers reliable but their accuracy, completeness, timeliness and relevance cannot be warranted. This also applies to information about the tradability of products. Templer Securities also depends on data provided by the issuers or third parties in order to update such information. Templer Securities does not adopt their contents as its own ones; they do not represent the opinion of Templer Securities. All share prices are subject to change.

The information provided on this website is protected by copyright, must not be reproduced or distributed, and no liability is assumed as to their accuracy, completeness or timeliness. Templer Securities may not be held liable for any damage or loss that arises from any use of the provided information. Past performance is no guarantee for future results.

Templer Securities may not be held liable for the contents of external links. The operators of the linked websites are solely responsible for their contents. Furthermore, any liability of Templer Securities for any and all information provided on the websites is fully excluded to the extent this is legally admissible.

Trademark rights, copyrights and links

Templer Securities or the offering third party owns the copyright and/or the trademark right or any other rights in all websites, particularly the texts, layout, source texts, brands and logos as well as the contents.

Therefore, any and all information, texts, figures, particularly logos and brands, provided on this website including any sub-sites may only be copied, scanned, translated or otherwise transmitted or reproduced inside or outside the Internet with the express written consent of Templer Securities. This particularly applies to the inclusion or presentation of websites of Templer Securities or their contents by means of a hyperlink in a frame.

Likewise, any links to any of the websites of Templer Securities are subject to its express written consent.

Security

Please make sure that your access to Templer Securities is as secure as possible.

In some areas of its websites, Templer Securities makes use of so-called cookies in order to provide the services to you in a more individual way. Cookies are small data packets that a web server can send to your computer in order to identify it for the duration of your visit. You can configure your browser in a way that it informs you about the placing of cookies. Thus, the use of cookies becomes transparent for you.

Visitor tracking

For statistical purposes, Templer Securities uses products for tracking visitors and their behaviour on its websites. The obtained statistical data are only used internally in order to optimize the contents offered on the website of Templer Securities.

Changes

Templer Securities constantly enhances its services and products for you. Accordingly, the websites of Templer Securities will be updated from time to time. Likewise, these "Important Notes, Instructions for Use and Disclaimer" might change. We therefore request you to inform yourself about the applicable terms and conditions and notes at each point in time.