Disclaimer

Information provided on our websites consists of promotional material. Such material is designed to provide additional information for our investors and is based on the state of knowledge of the persons charged with creating it as was extant on the publication date. Our depictions, analyses, and conclusions are of a general nature and do not take into account the individual needs of our investors with respect to yield, tax treatment, risk tolerance, or the suitability of the financial products. Therefore, they are no substitute for qualified investment advice or for a comprehensive explanation of risks. The depicted trends in values and sample calculations do not permit any reliable conclusions to be drawn as to future trends. References to past performance do not necessarily guarantee positive future trends, and transactions involving financial products (e.g. securities, futures, options, and other financial instruments) may involve risk.

The information does not constitute investment advice, an investment recommendation, an offer or recommendation to buy or sell the designated financial products or include them in a trading strategy, or an invitation to make an offer to buy or sell the designated financial products or include them in a trading strategy. Since not every transaction is suited to every investor, investors should consult their own advisors (particularly legal and tax advisors) prior to concluding the transaction, in order to ensure that, irrespective of the provided information, the planned financial product meets their needs and desires and that they completely understand the risks.

Complete information (base prospectus, terms and conditions, WAG 2007 customer information) about the products of Erste Group Bank AG is available at the issuer’s office at Graben 21, in 1010 Vienna during normal business hours. Information about the limitations on the sale of fund units to US citizens can be found in the “Complete Prospectus”.

With regard to the sale of issues that are subject to the obligation to publish a prospectus pursuant to 2010/73/EU, we rely on written consent to use the prospectus that has been granted by the issuer.

The information comes from sources that we consider to be reliable and complete. We have carefully researched it and have compiled it to the best of our knowledge and belief, but it is disclosed without any liability. Accordingly, neither we nor companies affiliated with us nor our employees, directors, or other representatives assume any express or implied liability for whether the content of the provided information is accurate, complete, and up to date. Furthermore, neither we nor companies affiliated with us nor our employees, directors, or other representatives assume any liability for losses or damages of any nature (including consequential or indirect damages or lost profit) incurred through or in connection with the access or use of our websites or in reliance on the content of the provided information.

We reserve the right to make amendments at any time without prior notice.

Information status: July 2012

A current draft of the Budget Implementation Act (Budgetbegleitgesetz) 2011-2014 contains, inter alia, planned amendments to the Income Tax Act (Einkommensteuergesetz) starting in 2011. If you have questions in this regard, please contact your customer service representative.