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Disclaimer Metzler Asset Management

This document published by Metzler Asset Management GmbH [together with its affiliated companies as defined in section 15 et seq. of the German Public Limited Companies Act (Aktiengesetz – “AktG”), jointly referred to hereinafter as “Metzler“] contains information obtained from public sources which Metzler deems to be reliable. However, Metzler cannot guarantee the accuracy or completeness of such information. Metzler reserves the right to make changes to the opinions, projections, estimates and forecasts given in this document without notice and shall have no obligation to update this document or inform the recipient in any other way if any of the statements contained herein should be altered or prove incorrect, incomplete or misleading. 
    
This document is provided for information only and is not tailored to the specific investment objectives, financial situations or needs of individual recipients. Before acting on the basis of the information or recommendations contained in this document, the recipient should consider whether the decision is suitable for his or her personal circumstances and should take independent investment decisions on the basis of his or her financial situation and investment objectives, where necessary with the assistance of an investment broker.

This document does not constitute an offer or solicitation to buy or sell financial instruments, nor does it form the basis for any contract or obligation. Neither Metzler nor the authors accept any liability for this document or the use of its contents. Subscription orders can only be accepted based on the valid sales prospectus, which contains a detailed description of investment risks, and the latest annual and half-yearly financial statements as well as the key investor information document (KIID).

Past performance cannot be regarded as an indicator of future performance. It cannot be guaranteed, warranted or assured that a portfolio will repeat its past performance in the future. Any gains generated by investments are subject to fluctuations; the price or value of any financial instrument described in this document may rise or fall. Moreover, the actual performance of a portfolio depends on its asset volume as well as on the agreed fee structure and external expenses.

Any model calculations contained in this document are examples showing the possible performances of a portfolio based on various assumptions (e.g. in respect of earnings and volatility). The actual performance may be higher or lower, depending on market trends and on the accuracy of the assumptions underlying the model calculations. Actual performance cannot therefore be guaranteed, warranted or assured.

Metzler cannot provide a legally binding warranty or guarantee that the portfolio value will not fall below a specific minimum portfolio value or that target return will be achieved. Investors should be aware that any capital preservation strategies mentioned herein cannot offer absolute capital protection. Metzler therefore is not in a position to guarantee, warrant or assure that a portfolio will actually display the performance the investor desires, as an investment portfolio is always subject to risks that can have an adverse effect on its performance, risks on which Metzler itself may have only limited influence.

In particular, it cannot be guaranteed, warranted or assured that ESG investments will actually increase returns and/or reduce portfolio risk. Similarly, no civil liability of Metzler can be derived from the goal of "responsible investing" (as defined by the BVI Rules of Conduct).

An investor has the right to file a complaint in a model case proceeding as per sec. 606 German Code of Civil Procedure or to initiate an ombudsman proceeding at the German Investment Funds Association (BVI). The German Capital Investor Model Proceedings Act (KapMuG) applies. Cross-border distribution may be revoked by Metzler at any time.

Neither this document nor any part thereof may be copied, reproduced or distributed without Metzler‘s prior written consent. By accepting this document, the recipient declares his/her agreement with the above conditions.