Important legal information / Disclaimer

Universal-Investment thanks you for visiting our website and for your interest in our company, our products and our services. Please read the following information. Changes of this information may be necessary as we continue to develop our Internet presence. We therefore advise you to re-read the information from time to time.

Contents

Universal-Investment does its best to ensure that the contents of its website are up-to-date, accurate and complete. However, the underlying data may have changed, which means that content supplied is not necessarily always up-to-date, accurate and complete. Universal-Investment therefore assumes no guarantee for the contents of this website. As a result, Universal-Investment assumes no liability for direct or indirect damage, including loss of earnings, occurred in connection with the use of content provided on this website. The same applies to the partial or complete inability to access or use, or any other difficulties in accessing or using the website. Universal-Investment explicitly reserves the right to completely or partially modify, amend, delete or temporarily or permanently discontinue the website or individual sections thereof without separate notification.

Use / Distribution Constraints

Our website is intended exclusively for users who are legally entitled to access its content. It is not intended for persons in countries which prohibit the provision of, access to and use of these contents. Where and insofar as persons are subject to restrictions on use as a result of their nationality, place of residence or other reasons, they may not access or use the website. Please find out about any existing restrictions on use in advance and comply accordingly. Circulating information contained herein and offering investment funds mentioned herein is prohibited in many countries unless relevant notification was submitted to and / or permission was obtained from the local supervisory authorities by the management company of the fund. Where such notification/permission has not been submitted / granted, content on this website should not be construed as an offer to purchase investment fund units. If in doubt, we recommend that you liaise with the local distribution agent.

For US Citizens

The information and the investment funds presented herein are not intended for distribution in the United States of America or to US persons (i. e. individuals that are either citizens or residents of the United States of America and / or are subject to US taxation as well as partnerships or corporations that have been incorporated under the laws of the USA, a US State, US territory or US possession). Investment fund units are therefore neither offered nor sold in the United States of America or to or on the account of US persons. Any subsequent transfer of investment fund units into the United States of America or to US persons is not permitted.

No Advice

The contents of this website are intended to provide general information only and do not represent advice given by Universal-Investment. They are intended to make your decisions easier but they cannot be a substitute for personal advice. Before making use of the contents, you should check carefully whether the information is suited to your needs and is compatible with your specific objectives. The purchase and sale of investment fund units is governed exclusively by the key investor information documents, the prospectus as amended, including the terms and conditions of investment or the management regulations / articles of association, in conjunction with the fund’s most recent statement of accounts and / or half-yearly report. This information is available from Universal-Investment in Frankfurt am Main, Universal-Investment in Luxembourg or the respective distribution partners and any paying agents for the respective investment fund. The information on this website is based on assumptions about the application of current laws and tax rules. Since, however, tax treatment may change as a result of changes in legislation, court rulings or decrees issued by the financial authorities, Universal-Investment assumes no guarantee for any assumptions on tax treatment made on this website. Views expressed herein represent the current opinion of Universal-Investment. These views and opinions may change at any point in time without prior notification. Any consideration of tax issues does not attempt to reflect all aspects of taxation that may affect individual investors depending on their personal circumstances. We therefore recommend interested investors to seek advice from a duly qualified tax consultant on the tax implications of buying, holding or selling investment fund units. Universal-Investment does not guarantee the accuracy of the information provided herein.

Proprietary Rights

The contents and design of this website are protected by copyright and other proprietary rights. The contents are for personal use only and not intended for commercial purposes. The accessing, copying and storage of all or part of the contents are only permitted if the source is clearly identified. All other activities including the use of trademarks or logos are only permitted with the explicit prior consent of Universal-Investment. If you think that your trademarks and logos have been used by mistake and you wish them to be identified or deleted, please send an email to: info@universal-investment.com.

Hyperlinks

The websites of other providers whose contents are not authorised or controlled by Universal-Investment may contain hyperlinks. Universal-Investment wishes to ensure that the contents of these sites are not attributed to Universal-Investment solely as a result of the publication of a hyperlink. Universal-Investment hereby distances itself from all explicit and implicit contents concealed behind these hyperlinks, including servers, third party postings, mailing lists, discussion forums or guest books. Universal-Investment is not aware that the contents of other websites are in breach of the applicable law. Any such breach would naturally result in the removal of the relevant hyperlink. Hyperlinks to this website or the inclusion or presentation of information on other websites are only permitted with the prior explicit consent of Universal-Investment.

Validity

Should any of the provision hereof be invalid, illegal or unfeasible, this shall not affect the validity of the remaining provisions.

Applicable Law and Jurisdiction

This website and the information and material contained therein shall be governed by the laws of the Federal Republic of Germany.

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Copyright © 2015 Morningstar Inc. All rights reserved.

All information contained herein

(1) is copyright protected for Morningstar and/or its content providers;
(2) may not be copied or distributed; and
(3) is not guaranteed to be accurate, complete or up-to-date.

Morningstar and / or its content providers assume no responsibility for any losses or damages resulting from the use of such information.

Past performance is not indicative of future results.