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Hong Kong / Singapore: For Global Wealth Management clients of �鶹�� AG Singapore / Hong Kong branch, please refer to the .

This document has been prepared by the Global Wealth Management business of �鶹�� Switzerland AG and/or any of its subsidiaries or affiliates ("�鶹��"), part of �鶹�� Group AG ("�鶹�� Group"). �鶹�� Group includes former Credit Suisse AG, its subsidiaries, branches and affiliates. In the USA, �鶹�� Financial Services Inc. is a subsidiary of �鶹�� AG and a member of FINRA/SIPC.

This document and the information contained herein are provided solely for your information and �鶹�� marketing purposes. Nothing in this document constitutes investment research, investment advice, a sales prospectus, or an offer or solicitation to engage in any investment activities. This document is not a recommendation to buy or sell any security, investment instrument, or product, and does not recommend any specific investment program or service.

Although all information and opinions expressed in this document were obtained in good faith from sources believed to be reliable, no representation or warranty, express or implied, is made as to the document’s accuracy, sufficiency, completeness or reliability. All information in this document is subject to change without notice and �鶹�� is under no obligation to update or keep current the information contained herein. Source of all information is �鶹�� unless otherwise stated. �鶹�� makes no representation or warranty relating to any information herein which is derived from independent sources.

Asset classes, asset allocation and investment instruments are indicative only. Any charts and scenarios contained in the document are for illustrative purposes only. Some charts and/or performance figures may not be based on complete 12-month periods which may reduce their comparability and significance. Historical performance is no guarantee for, and is not an indication of future performance.

Nothing in this document constitutes legal or tax advice. �鶹�� and its employees do not provide legal or tax advice. This document may not be redistributed or reproduced in whole or in part without the prior written permission of �鶹��. To the extent permitted by the law, neither �鶹��, nor any of it its directors, officers, employees or agents accepts or assumes any liability, responsibility or duty of care for any consequences, including any loss or damage, of you or anyone else acting, or refraining to act, in reliance on the information contained in this document or for any decision based on it.

�鶹�� retains the right to change the range of services, the products and the prices at any time without prior notice. Certain services and products are subject to legal provisions and cannot therefore be offered world-wide on an unrestricted basis. In particular, this material is not intended for distribution in jurisdictions where its distribution by us would be restricted.

Please be reminded that all investments carry a certain degree of risk. Your attention is hereby drawn to such risk (which can be substantial). Some investments may not be readily realisable since the market in the securities is illiquid and therefore valuing the investment and identifying the risk to which you are exposed may be difficult. Some investments may be subject to sudden and large falls in value and on realisation you may receive back less than you invested or may be required to pay more. You should consult your �鶹�� client advisor on the nature of such investment and carefully consider whether such investment is appropriate for you.

Important Information About Sustainable Investing Strategies: This terminology refers to definitions in the �鶹�� Sustainable Investing Framework and does not refer or relate to any product specific regulatory labelling regime or naming conventions. Sustainable investing strategies aim to consider and incorporate environmental, social and governance (ESG) factors into investment process and portfolio construction. Strategies across geographies approach ESG analysis and incorporate the findings in a variety of ways. Incorporating ESG factors or sustainable investing considerations may inhibit �鶹��’s ability to participate in or to advise on certain investment opportunities that otherwise would be consistent with the Client’s investment objectives. The returns on a portfolio incorporating ESG factors or sustainable investing considerations may be lower or higher than portfolios where ESG factors, exclusions, or other sustainability issues are not considered by �鶹��, and the investment opportunities available to such portfolios may differ.

Except as otherwise specified herein and/or depending on the local entity from which you are receiving this document, this document is distributed by �鶹�� Switzerland AG, a Swiss bank, authorized and regulated by the Swiss Financial Market Supervisory Authority.

Country-specific disclaimers: Additional country-specific disclaimers relevant to Credit Suisse follow at the end of this section. Brazil: This publication is not intended to constitute a public offer under Brazilian law or a research analysis report as per the definition contained under the Comissão de Valores Mobiliários (“CVM”) Resolution 20/2021. It is distributed only for information purposes by �鶹�� Brasil Administradora de Valores Mobiliários Ltda., entity regulated by CVM. Canada: �鶹�� Wealth Management is a registered trademark of �鶹�� AG. �鶹�� Bank (Canada) is a subsidiary of �鶹�� AG. Investment advisory and portfolio management services are provided through �鶹�� Investment Management Canada Inc., a wholly-owned subsidiary of �鶹�� Bank (Canada). �鶹�� Investment Management Canada Inc. is a registered portfolio manager and exempt market dealer in all the provinces with the exception of P.E.I. and the territories. Denmark: This publication is not intended to constitute a public offer under Danish law. It is distributed only for information purposes by �鶹�� Europe SE, filial af �鶹�� Europe SE with place of business at Sankt Annae Plads 13, 1250 Copenhagen, Denmark, registered with the Danish Commerce and Companies Agency, under No. 38 17 24 33. �鶹�� Europe SE, Denmark Branch, filial af �鶹�� Europe SE is subject to the joint supervision of the European Central Bank, the German Central Bank (Deutsche Bundesbank), the German Federal Financial Services Supervisory Authority (Bundesanstalt für Finanzdienstleistungsaufsicht, "BaFin"), as well as of the Danish Financial Supervisory Authority (Finanstilsynet), to which this publication has not been submitted for approval. �鶹�� Europe SE is a credit institution constituted under German law in the form of a Societas Europaea, duly authorized by BaFin. France: This publication is not intended to constitute a public offer under French law, it does not constitute a personal recommendation as it is distributed only for information purposes to clients of �鶹�� Europe SE Succursale de France (a branch of �鶹�� Europe SE), having its registered office at 39, rue du Colisée, 75008 Paris, France, registered with the “Registre du Commerce et des Sociétés” of Paris under N°844 425 629. �鶹�� Europe SE Succursale de France is subject to the joint supervision of the European Central Bank, the German Central Bank (Deutsche Bundesbank), the German Federal Financial Services Supervisory Authority (Bundesanstalt für Finanzdienstleistungsaufsicht, "BaFin"), as well as of the French "Autorité de contrôle prudentiel et de résolution" and "Autorité des marchés financiers", to which this publication has not been submitted for approval. �鶹�� Europe SE is a credit institution constituted under German law in the form of a Societas Europaea, duly authorized by BaFin. Germany: This publication is not intended to constitute a public offer under German law. It is distributed only for information purposes by �鶹�� Europe SE, Germany, with place of business at Bockenheimer Landstrasse 2-4, 60306 Frankfurt am Main. �鶹�� Europe SE is a credit institution constituted under German law in the form of a Societas Europaea, duly authorized by the German Federal Financial Services Supervisory Authority (Bundesanstalt für Finanzdienstleistungsaufsicht, "BaFin") and supervised jointly by the European Central Bank, the German Central Bank (Deutsche Bundesbank) and BaFin, to which this publication has not been submitted for approval. Hong Kong: This publication is distributed by �鶹�� AG Hong Kong Branch. �鶹�� AG Hong Kong Branch is a branch of �鶹�� AG, a public company limited by shares, incorporated in Switzerland. Israel: �鶹�� is a premier global financial firm offering wealth management, asset management and investment banking services from its headquarters in Switzerland and its operations in over 50 countries worldwide to individual, corporate and institutional investors. In Israel, �鶹�� Switzerland AG is registered as Foreign Dealer in cooperation with �鶹�� Wealth Management Israel Ltd., a wholly owned �鶹�� subsidiary. �鶹�� Wealth Management Israel Ltd. is an Investment Marketing licensee which engages in Investment Marketing and is regulated by the Israel Securities Authority. This publication is intended for information only and is not intended as an offer to buy or solicitation of an offer. Furthermore, this publication is not intended as an investment advice. The word "advice" and/or any of its equivalent terms shall be read and construed in conjunction with the definition of the term "investment marketing" as defined under the Israeli Regulation of Investment Advice, Investment Marketing and Portfolio Management Law. Italy: This publication is not intended to constitute a public offer under Italian law. It is distributed only for information purposes by �鶹�� Europe SE, Succursale Italia, with place of business at Via del Vecchio Politecnico, 3-20121 Milano. �鶹�� Europe SE, Succursale Italia is subject to the joint supervision of the European Central Bank, the German Central Bank (Deutsche Bundesbank), the German Federal Financial Services Supervisory Authority (Bundesanstalt für Finanzdienstleistungsaufsicht, "BaFin"), as well as of the Bank of Italy (Banca d’Italia) and the Italian Financial Markets Supervisory Authority (CONSOB – Commissione Nazionale per le Società e la Borsa), to which this publication has not been submitted for approval. �鶹�� Europe SE is a credit institution constituted under German law in the form of a Societas Europaea, duly authorized by BaFin. Jersey: �鶹�� AG, Jersey Branch, is regulated and authorized by the Jersey Financial Services Commission for the conduct of banking, funds and investment business. Where services are provided from outside Jersey, they will not be covered by the Jersey regulatory regime. �鶹�� AG, Jersey Branch is a branch of �鶹�� AG a public company limited by shares, incorporated in Switzerland whose registered offices are at Aeschenvorstadt 1, CH-4051 Basel and Bahnhofstrasse 45, CH 8001 Zurich. �鶹�� AG, Jersey Branch's principal place of business is 1, IFC Jersey, St Helier, Jersey, JE2 3BX. Luxembourg: This publication is not intended to constitute a public offer under Luxembourg law. It is distributed only for information purposes to clients of �鶹�� Europe SE, Luxembourg Branch ("�鶹�� Luxembourg"), R.C.S. Luxembourg n°B209123, with registered office at 33A, Avenue J. F. Kennedy, L-1855 Luxembourg. �鶹�� Europe SE is a credit institution constituted under German law in the form of a Societas Europaea (HRB n° 107046), with registered office at Bockenheimer Landstrasse 2-4, D-60306 Frankfurt am Main, Germany, duly authorized by the German Federal Financial Services Supervisory Authority (Bundesanstalt für Finanzdienstleistungsaufsicht, "BaFin") and subject to the joint prudential supervision of BaFin, the European Central Bank and the central bank of Germany (Deutsche Bundesbank). �鶹�� Luxembourg is furthermore supervised by the Luxembourg prudential supervisory authority (Commission de Surveillance du Secteur Financier), in its role as host member state authority. This publication has not been submitted for approval to any public supervisory authority. Mexico: �鶹�� Asesores México, S.A. de C.V., (hereinafter, “�鶹�� Asesores”), an affiliate of �鶹�� Switzerland AG, is a non-independent investment advisor incorporated in accordance with Mexican Law, regulated and subject to the supervision of the National Banking and Securities Commission (Comisión Nacional Bancaria y de Valores, hereinafter, the “CNBV”), exclusively regarding the rendering of (i) portfolio management services, (ii) securities investment advisory services, analysis and issuance of individual investment recommendations, and (iii) anti-money laundering and terrorism financing matters. �鶹�� Asesores is registered before CNBV under registry number 30060-001-(14115)-21/06/2016; such registry will not assure the accuracy or veracity of the information provided to its Clients. Likewise, �鶹�� Asesores is not a credit institution, so it is not authorized to receive deposits in cash or of any other type, nor to safeguard securities and does not promote banking and credit services, either is part of any financial group. Finally, �鶹�� Asesores: (i) does not offer guaranteed returns to its clients, (ii) has disclosed to its clients and suppliers any potential conflict of interest that could have before them, and (iii) can only charge the commissions expressly agreed upon with their clients for the investment services actually provided. �鶹�� Asesores may not receive any commissions or any other type of remuneration from local or foreign issuers or intermediaries of the stock market, who provide services to their clients. Likewise, the information contained herein cannot be considered as an individualized recommendation unless expressly stated and through prior Agreement with �鶹�� Asesores for the provision of an investment service. This �鶹�� publication or any material related thereto is addressed only to Sophisticated or Institutional Investors located in Mexico. Monaco: This document is not intended to constitute a public offering or a comparable solicitation under the Principality of Monaco laws, but might be made available for information purposes to clients of �鶹�� (Monaco) S.A., a regulated bank having its registered office at 2 avenue de Grande Bretagne 98000 Monaco operating under a banking license granted by the “Autorité de Contrôle Prudentiel et de Résolution” (ACPR) and the Monegasque government which authorizes the provision of banking services in Monaco. �鶹�� (Monaco) S.A. is also licensed by the “Commission de Contrôle des Activités Financières” (CCAF) to provide investment services in Monaco. The latter has not approved this publication. Panama: �鶹�� AG Representative Office is regulated and supervised by the Superintendency of Banks of Panama. Licence for operation of a Representative Office granted under the Resolution S.B.P. No 017-2007. �鶹�� Switzerland AG Representative Office is regulated and supervised by the Superintendency of Banks of Panama. Licence for operation of a Representative Office granted under the Resolution S.B.P. No. 0178-2015. Russia: �鶹�� Switzerland AG is not licensed to provide regulated banking and/or financial services in Russia. Information contained in this document refers to products and services exclusively available through and provided by �鶹�� Switzerland AG in Switzerland or another �鶹�� entity domiciled outside Russia. �鶹�� employees travelling to Russia are neither authorized to conclude contracts nor to negotiate terms thereof while in Russia. Contracts only become binding on �鶹�� once confirmed in Switzerland or in the location where the �鶹�� entity is domiciled. The Wealth Management Advisory Office within OOO �鶹�� Bank does not provide services for which banking license is required in Russia. Certain financial instruments can be offered in Russia only to the qualified investors. Any attachments and documents with reference to the specific financial instruments do not constitute a personal investment recommendation under Russian law. Singapore: This publication is distributed by �鶹�� AG Singapore Branch. Clients of �鶹�� AG Singapore branch are asked to please contact �鶹�� AG Singapore branch, an exempt financial adviser under the Singapore Financial Advisers Act (Cap. 110) and a wholesale bank licensed under the Singapore Banking Act (Cap. 19) regulated by the Monetary Authority of Singapore, in respect of any matters arising from, or in connection with, the analysis or report. Spain: This document is distributed in Spain by �鶹�� AG, Sucursal en España, authorized under number 1460 in the Register by the Banco de España. Sweden: This publication is not intended to constitute a public offer under Swedish law. It is distributed only for information purposes to clients of �鶹�� Europe SE, Sweden Bankfilial, with place of business at Regeringsgatan 38, 11153 Stockholm, Sweden, registered with the Swedish Companies Registration Office under Reg. No 516406-1011. �鶹�� Europe SE, Sweden Bankfilial is subject to the joint supervision of the European Central Bank, the German Central Bank (Deutsche Bundesbank), the German Federal Financial Services Supervisory Authority (Bundesanstalt für Finanzdienstleistungsaufsicht, "BaFin"), as well as of the Swedish supervisory authority (Finansinspektionen), to which this publication has not been submitted for approval. �鶹�� Europe SE is a credit institution constituted under German law in the form of a Societas Europaea, duly authorized by BaFin. Taiwan: This material is provided by �鶹�� AG, Taipei Branch in accordance with laws of Taiwan, in agreement with or at the request of clients/prospects. �鶹�� AG and its branches in Taiwan (including Taipei branch, Taichung branch, Kaohsiung branch, Taipei Offshore Banking Branch and any other branches of �鶹�� AG to be established in Taiwan; collectively, the “Bank”) have notified the clients (including prospects) of the purposes, scope and other matters with respect to personal data collecting, processing and usage, and have obtained the clients’ consent (or have not received objection) to use of their personal data. Based on such consent, the Bank sends you the materials. If you no longer want to receive such marketing info, please directly contact your �鶹�� client advisor to notify the Bank to discontinue using of your personal data for marketing purpose. You can see the Bank’s Privacy Notice and the information regarding the collecting, processing and usage of personal data at /global/en/legal/privacy/taiwan.html. UK: This document is issued by �鶹�� Wealth Management, a division of �鶹�� AG which is authorised and regulated by the Financial Market Supervisory Authority in Switzerland. In the United Kingdom, �鶹�� AG is authorised by the Prudential Regulation Authority and is subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. Details about the extent of regulation by the Prudential Regulation Authority are available from us on request. A member of the London Stock Exchange.

Additional disclaimers for cross-border situations: Australia: This document is provided by �鶹�� Switzerland AG. �鶹�� Switzerland AG does not hold an Australian Financial Services Licence (AFSL) and relies on an exemption to provide financial services to persons in Australia. This document is intended only for distribution to wholesale clients under the Corporations Act 2001 (Cth). �鶹�� Switzerland AG is a related body corporate of �鶹�� AG, Australia Branch and �鶹�� Securities Australia Limited. This document may be distributed to clients by those entities, but it is provided by �鶹�� Switzerland AG and is not provided under any of the other entities’ AFSL. The information in this document is general in nature and is not intended to address the objectives, financial situation or needs of any particular individual or entity. Each recipient should consider their own objectives, financial situation or needs before acting on the advice and obtain the relevant Product Disclosure Statement (if required) before making any decision whether to acquire any product. This marketing material may contain an extract of �鶹�� research which may be available from your Relationship Manager. In Australia, �鶹�� entities, other than �鶹�� AG, Australia Branch, are not authorized deposit-taking institutions for the purposes of the Banking Act 1959 (Cth.) and their obligations do not represent deposits or other liabilities of �鶹�� AG, Australia Branch. �鶹�� AG, Australia Branch does not guarantee or otherwise provide assurance in respect of the obligations of such �鶹�� entities or the funds. An investor is exposed to investment risk including possible delays in repayment and loss of income and principal invested, as relevant. If you do not wish to receive marketing materials from �鶹��, please contact your �鶹�� representative or the contact details listed in the Australia Privacy Notice: /global/en/legal/privacy.html. Your personal data will be processed in accordance with this notice. Bahrain: This material is being distributed by �鶹�� AG, Bahrain Branch, duly licensed and regulated by the Central Bank of Bahrain (CBB) as an Investment Business Firm - Category 2 (Branch). Related financial services or products are only made available to Accredited Investors, as defined by the CBB, and are not intended for any other persons. �鶹�� AG, Bahrain Branch is a Foreign Branch of �鶹�� AG, Zurich/Switzerland and is located on Level 21, East Tower, Bahrain World Trade Centre, Manama, Kingdom of Bahrain. Czech Republic: �鶹�� is not a licensed bank in Czech Republic and thus is not allowed to provide regulated banking or investment services in Czech Republic. This communication and/or material is distributed for marketing purposes and constitutes a "Commercial Message" under the laws of Czech Republic in relation to banking and/or investment services. Please notify �鶹�� if you do not wish to receive any further correspondence. Indonesia, Malaysia, Philippines, Thailand, Singapore: This communication and any offering material term sheet, research report, other product or service documentation or any other information (the “Material”) sent with this communication was done so as a result of a request received by �鶹�� from you and/or persons entitled to make the request on your behalf. Should you have received the Material erroneously, �鶹�� asks that you kindly delete the e-mail and inform �鶹�� immediately. The Material, where provided, was provided for your information only and is not to be further distributed in whole or in part in or into your jurisdiction without the consent of �鶹��. The Material may not have been reviewed, approved, disapproved or endorsed by any financial or regulatory authority in your jurisdiction. �鶹�� has not, by virtue of the Material, made available, issued any invitation to subscribe for or to purchase any investment (including securities or products or futures contracts). The Material is neither an offer nor a solicitation to enter into any transaction or contract (including future contracts) nor is it an offer to buy or to sell any securities or products. The relevant investments will be subject to restrictions and obligations on transfer as set forth in the Material, and by receiving the Material you undertake to comply fully with such restrictions and obligations. You should carefully study and ensure that you understand and exercise due care and discretion in considering your investment objective, risk appetite and personal circumstances against the risk of the investment. You are advised to seek independent professional advice in case of doubt. Any and all advice provided on and/or trades executed by �鶹�� pursuant to the Material will only have been provided upon your specific request or executed upon your specific instructions, as the case may be, and may be deemed as such by �鶹�� and you. Japan: This report is solely distributed in Japan by �鶹�� SuMi TRUST Wealth Management Co., Ltd, Financial Instruments Dealer, Director-General of Kanto Local Finance Bureau (Kinsho) No. 3233, a member of the Japan Securities Dealers Association, Financial Futures Association of Japan, Investment Management Association of Japan. �鶹�� SuMi TRUST Wealth Management Co., Ltd will not distribute or forward this report outside Japan. Portugal: �鶹�� is not licensed to conduct banking and financial activities in Portugal nor is �鶹�� supervised by the Portuguese Regulators (Bank of Portugal “Banco de Portugal” and Portuguese Securities Exchange Commission “Comissão do Mercado de Valores Mobiliários”). Qatar: �鶹�� Qatar LLC is licensed by the Qatar Financial Centre Authority and authorized by the QFC Regulatory Authority, with QFC no. 01169, and has its registered office at Building No. 36, 4^th Floor, Abdulla Bin Thani Street, Doha Design District 1, Msheireb Downtown Doha, State of Qatar. This material is strictly intended for Eligible Counterparties and/or Business Customers only as classified under the QFCRA’s Customer and Investor Protection Rules 2019. No other person should act upon this material. Saudi Arabia: This material is for marketing and information purposes by �鶹�� Saudi Arabia only. It has been distributed by �鶹�� Saudi Arabia or reviewed and approved by �鶹�� Saudi Arabia if it was issued by �鶹�� Switzerland AG, by �鶹�� AG, or any of its subsidiaries or branches. �鶹�� Switzerland AG is a public company limited by shares, incorporated in Switzerland with its registered offices at Bahnhofstrasse 45, CH-8001 Zurich. �鶹�� Saudi Arabia (a subsidiary of �鶹�� AG) is a Saudi closed joint stock company incorporated in the Kingdom of Saudi Arabia with a paid capital of 110,000,000 Saudi Riyals under commercial register number 1010257812 having its registered office at Laysen Valley, P.O. Box 75724, Riyadh 11588, Kingdom of Saudi Arabia. �鶹�� Saudi Arabia is authorized and regulated by the Capital Market Authority to conduct securities business under license number 08113-37. This document is distributed only under such circumstances as may be permitted by applicable laws and regulations. The information and – if any - opinions contained in this document have been compiled or arrived at based upon information obtained from sources believed to be reliable and in good faith, but is not guaranteed as being accurate, nor is it a complete statement or summary of the securities, markets or developments referred to in the document. All such information and opinions are subject to changes without notice. Past performance of investments (whether simulated or actual) is not necessarily an indicator of future results. Forward looking data is based on estimates that are subject to changes. Should the currency of a financial product or service not match your reference currency, performance may rise or fall due to currency fluctuations. �鶹�� Switzerland AG and / or other members of the �鶹�� Group may have a position in and may make a purchase and/or sale of any of the securities or other financial instruments mentioned in this document While statements that constitute “forward-looking statements”, including, but not limited to, statements relating to our future business development represent �鶹�� judgments and future expectations concerning the development of our business, a number of risks, uncertainties and other important factors could cause actual developments and results to differ materially from our expectations. This document may not be forwarded, reproduced, redistributed or republished for any purpose without the written permission of �鶹�� Saudi Arabia. Source for all data and charts (if not indicated otherwise) is �鶹�� Switzerland AG. United Arab Emirates (UAE) / DIFC / Abu Dhabi: �鶹�� is not licensed in the UAE by the Central Bank of the UAE nor by the Emirates’ Securities and Commodities Authority and does not undertake banking activities in the UAE. DIFC: �鶹�� AG Dubai Branch is regulated by the DFSA in the DIFC. This material is strictly intended for Professional Clients and/or Market Counterparties only, as classified under the DFSA rulebook. No other person should act upon this material. Abu Dhabi: �鶹�� AG Abu Dhabi Branch is licensed and regulated by the Financial Services Regulatory Authority (“FSRA”) of the Abu Dhabi Global Market. This material is intended solely for professional clients or market counterparties, as defined in the rules of the FSRA. It is not directed at, nor intended for, retail clients or any person who does not meet the criteria of a professional client or market counterparty. Ukraine: �鶹�� is a premier global financial services firm offering wealth management services to individual, corporate and institutional investors. �鶹�� is established in Switzerland and operates under Swiss law and in over 50 countries and from all major financial centers. �鶹�� is not registered and licensed as a bank/financial institution under Ukrainian legislation and does not provide banking and other financial services in Ukraine. �鶹�� has not made, and will not make, any offer of the mentioned products to the public in Ukraine. No action has been taken to authorize an offer of the mentioned products to the public in Ukraine and the distribution of this document shall not constitute financial services for the purposes of the Law of Ukraine “On Financial Services and Financial Companies” dated 14 December 2021. Any offer of the mentioned products shall not constitute public offer, circulation, transfer, safekeeping, holding or custody of securities in the territory of Ukraine. Accordingly, nothing in this document or any other document, information or communication related to the mentioned products shall be interpreted as containing an offer, a public offer or invitation to offer or to a public offer, or solicitation of securities in the territory of Ukraine. Electronic communication must not be considered as an offer to enter into an electronic agreement or other electronic instrument (“електронний правочин”) within the meaning of the Law of Ukraine “On Electronic Commerce” dated 3 September 2015. This document is strictly for private use by its holder and may not be passed on to third parties or otherwise publicly distributed. United States: As a US entity providing wealth management services to clients in the United States, �鶹�� Financial Services, Inc is registered with the U.S. Securities and Exchange Commission (SEC) as an investment adviser and a broker-dealer, offering both investment advisory and brokerage services. Advisory services and brokerage services are separate and distinct, differ in material ways and are governed by different laws and separate contracts. It is important that you carefully read the agreements and disclosures �鶹�� provides to you about the products or services offered. For more information, please see . Non-US �鶹�� entities are not SEC-registered broker-dealers or investment advisers in the United States (with the exception of �鶹�� Financial Services Inc. and �鶹�� Securities LLC in the US). As such, material presented by the non-US �鶹�� entities is not directed at, or intended for distribution to or use by, any person or entity who is a US citizen or resident located or incorporated in the United States or otherwise deemed a US Person under applicable law. The services, securities, and financial instruments presented may not be available and/or are not offered in the United States and accordingly, the rules for the protection of private customers that apply in the United States will not apply in relation to such products and services.

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