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This document is for information purposes only and has no regard to the specific investment, personal succession or wealth planning objectives, financial situations or particular needs of any specific recipient. Any charts and scenarios are for illustrative purposes only. Historical performance or case study is no guarantee for and is not an indication of future performance. No representation or warranty, either express or implied is provided in relation to the accuracy, completeness or reliability of the information contained herein, nor is it intended to be a complete statement or summary of the developments referred to in this document.

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The general explanations included in this document cannot address your personal wealth planning and/or investment objectives, your financial situation or needs (inter alias, e.g. succession or wealth preservation needs).

As a consequence of constantly and rapidly changing market conditions, the information, data, values and analyses contained in this document can become out of date even after only a short time. ÃÛ¶¹ÊÓƵ is under no obligation to update or keep current the information contained in this document. This document is therefore no substitute for your own assessments and analysis of risks prior to taking any decision.

If you disagree with anything in this document or have questions about it, please contact your ÃÛ¶¹ÊÓƵ client advisor or ÃÛ¶¹ÊÓƵ wealth planner immediately. If you are interested in an investment instrument, a financial service, wealth planning advisory service or possible solutions mentioned in this document, please contact your ÃÛ¶¹ÊÓƵ client advisor or ÃÛ¶¹ÊÓƵ wealth planner. ÃÛ¶¹ÊÓƵ representatives such as wealth planners and client advisors do not act in a fiduciary capacity and principally or solely provide information in relation to services offered only by ÃÛ¶¹ÊÓƵ trust entities and affiliates when discussing the provision of trust and fiduciary services. We recommend that you regularly discuss your risk profile and personal circumstances with your ÃÛ¶¹ÊÓƵ client advisor or ÃÛ¶¹ÊÓƵ wealth planner, as the case may be, as a matter of course.

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