Disclaimer

ACCESS TO THE INFORMATION ON THE BANQUE HERITAGE WEBSITE

By accessing the Banque Heritage website you agree to be legally bound by these terms of use. If you do not agree to the terms of use, do not proceed further on this website

Access to the information contained on this website may be restricted by laws and regulations applicable to the user. Persons to whom such restrictions apply must not access the Banque Heritage website.

LOCAL LEGAL RESTRICTIONS

The Banque Heritage website is not directed at any person in any jurisdiction where, by virtue of that person’s nationality, residence or otherwise, the publication or availability of the Banque Heritage website is prohibited.

NO OFFER

The information on this website is a marketing communication. Neither the information nor any opinion expressed on this website should be construed as a solicitation, an offer or a recommendation to buy, sell or dispose of any financial instrument, to engage in any other transaction or to provide any investment advice or any other financial service. The Information and the opinions do not take into account the personal situation, investment objectives or knowledge, needs or classification of any individual investor.

Banque Heritage does not intend to provide investment, legal or tax advice through the Banque Heritage website and does not represent that any financial instruments or financial services discussed are appropriate or suitable for any investor. When making an investment decision, the investor should seek the advice of a professional financial advisor. None of the services, financial investments, mutual or alternative funds referred to on this website are available to, and prospectuses in respect of them will not be distributed to, persons resident in any country, state or jurisdiction where such distribution would be contradictory to local law or regulations. The general risks associated with financial services and investments are explained in the Swiss Bankers Association's brochure on the risks involved in trading in financial instruments [www.swissbanking.ch]. Specific risks are described in the prospectuses and basic information sheets (KID) if any, relating to the financial instruments mentioned in the Heritage Bank’s Ltd.’s website, which are available free of charge from Heritage Bank Ltd.

Any investment decision should be based on a prior study of the offer documentation and in particular of the prospectus and the applicable Basic information sheet, if any.

SALES RESTRICTIONS

An investment in a fund of Banque Heritage should only be made after reading the relevant legal documents, such as management regulations, prospectuses, annual and semi-annual reports, all of which can be obtained free of charge from the funds’ representatives in each country where the funds are incorporated or registered.

INVESTMENT PERFORMANCE

The value of investments and the income from them may go down as well as up, and investors may not get back the amount invested. Past performance of an investment is not a guarantee for future performance. Banque Heritage does not intend to provide investment advice to you or any other party. No information or material on this website is to be relied upon for the purpose of making or recommending investments or any other decision.

NO WARRANTY

Although Banque Heritage and its data providers seek to ensure that the information on this website is accurate and complete at the time of publication and has been obtained from sources believed to be reliable, Banque Heritage and its data providers make no express or implied guarantees that such information is accurate, reliable, up to date or complete. The content of this website, the information and opinions expressed herein are subject to change without notice.

LIMITATION OF LIABILITY

Banque Heritage and its data providers expressly disclaim any liability to the fullest extent permitted by law to any person for any reason in respect of the consequences of anything done or omitted through the use of or reliance on any or all of the contents of the Banque Heritage website. Further, Banque Heritage and its data providers accept no liability for any losses or damage arising from the use of or reliance on the information on this website, including but not limited to any loss or fall in profit or any direct or indirect damage.

EXTERNAL LINKS

The Banque Heritage website may contain hyperlinks providing access to other websites beyond the control of Banque Heritage. Banque Heritage therefore accepts no responsibility for the content of any websites thus accessed by the user.

COPYRIGHT

Banque Heritage Is The Owner

UNITED STATES OF AMERICA

None of the investment funds mentioned on this website is or will be registered under the "United States Securities Act" of 1933, as amended. Similarly, the investment funds mentioned on this website are not and will not be registered under the "United States Investment Company Act" of 1940, as amended. Consequently, the above-mentioned investment funds must not in any circumstances be offered or distributed: (i) in the United States of America, in any of its States or in any other political subdivision of the United States of America, or (ii) to or on behalf of or for the benefit of any United States Person (as defined in Regulation S of the "United States Securities Act" of 1933).