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This document is issued in Austria by Anglo Austrian AAB Bank AG (“AAB”) which is regulated by the Financial Market Authority in Austria. The registered office of AAB is Bauernmarkt 2, Vienna 1010.

This document is issued in the United Kingdom by Lake Asset Management Ltd. (“Lake”) which is authorised and regulated by the Financial Conduct Authority in the United Kingdom. The registered office of Lake is 7 Vigo St, London W1S 3HF.

Lake is currently able to use the name Julius Meinl & Partners. AAB and Lake have in place commercial agreements to provide services to the other.

This document is provided to investors for information and for discussion only. It is not a solicitation or an o er to buy or sell any service, security or other financial instrument and parts or all of this document may be unsuitable for some investors.

The information contained in this document has been obtained from reliable sources and has not been verified by AAB or Lake. Neither AAB nor Lake make any claims as to its completeness or accuracy. The information may change without notice and neither of AAB nor Lake is under any obligation to ensure that such updates are brought to your attention.

This document reflects current views which may be subject to change without prior notice. AAB and Lake undertake no obligation to provide the recipient with access to any additional information or to update this document or to correct any inaccuracies therein which may become apparent.

AAB and Lake, their affiliates and/or their employees may have a position or holding, or other material interest or effect transactions in investments mentioned, and may vary our holdings. AAB or Lake may be providing, or have provided within the previous year, advice or services in relation to some investments mentioned herein.

This document is intended only for the person to whom it is issued by either AAB or Lake. It may not be reproduced either in whole, or in part, without our written permission. The distribution of this document and the o er and sale of the investment in certain jurisdictions may be forbidden or restricted by law or regulation. Where permitted by law, we may receive fees, commissions or other monetary benefits in connection with products from third parties.

The price and value of investments mentioned and any income that might accrue could fall or rise or otherwise vary. Past performance is not a basis to assess future performance. For investments denominated in a currency other than your base currency, exchange rate fluctuations may have an adverse effect on the value and returns of your holdings. Neither AAB, nor Lake, nor any of its representatives or employees accept any liability whatsoever for any direct or consequential loss arising from any use of this document or its contents.

Each investor should at all times consult with an independent advisor(s). Nothing in this document constitutes legal, accounting or tax advice. AAB or Lake do not advise on the tax consequences of investments.

Investments may have no public market or only a restricted secondary market. Where a secondary market exists, it is not possible to predict the price at which investments will trade in the market or whether such market will be liquid or illiquid. These investments will not be listed or traded on any exchange and pricing information may be more di cult to obtain. The liquidity of these types of investments may be adversely affected, and there may be no market (illiquid).

Certain investment instrument’s retention of value is dependent not only on the value of the underlying asset, but also on the creditworthiness of the Issuer and/or guarantor (as applicable). Such creditworthiness may change over the term of the investment instrument. In the event of default by the issuer and/or guarantor of the investment and/or any third party, the investment or any income derived from such contracts is not guaranteed and investors may not get back what was originally invested and may lose all the investment. Where this document relates to collective investment schemes or other bundled products investors should refer to the relevant offering document and in particular the risk section of such document.

Certain investment funds strategies (e.g. some hedge funds and property funds) may include the use of leverage (borrowing) and derivative instruments resulting in additional risks. Leveraged investments, by their nature, increase the potential loss to investors resulting from any depreciation in the value of such investments. Consequently, a relatively small price movement in a leveraged instrument may result in a substantially greater loss to the fund’s net asset value. The market in some of the investments made as part of a fund’s strategy may be relatively illiquid, giving rise to potential difficulties in valuing and disposing of such investments. Information for determining the value of investments held by a fund may not be readily available, including an accurate risk profile.