DISCLAIMER

Please read these general terms and conditions carefully.

Accessing this website, as well as visiting and using it, binds you to the general terms and conditions set out below and implies that you have accepted them. These general terms and conditions are subject to change.

If any of these general terms and conditions are found by any court or competent authority to be illegal, unlawful or unenforceable, then the reminder of the general terms and conditions shall continue to be valid and enforceable to the fullest extent permitted by law.

General Information

The information featured at this Website is not in itself an offer to purchase any equity. Any decision to purchase equities from the investment institutions named at the Website should only be taken on the basis of the prospectus. Prospectuses for Fortis funds may be obtained free of charge from Fortis Investments and may also be consulted via this Website.

Information on this site is not addressed to any person in any jurisdiction where the offering or distribution of the funds is unauthorized, or where the funds are not available for distribution. Users of this site are themselves responsible for complying with all local laws and regulations. Further information can be obtained in the prospectus of each fund or at Fortis Investments.

The value of your investment can fluctuate. Any results achieved in the past provide no guarantee for the future.

Other statutory information about this Website

Definition and general rules of access:

The term "Website" means this Website and all of the information and data featured on this Website, as published or, where applicable, made public by Fortis Investment Management nv/sa, its parent companies, subsidiaries and/or associated entities, referred to hereinafter jointly and separately under the trade name Fortis Investments. Certain sections and/or pages of this Website contain separate and/or supplementary conditions, including separate disclaimers, which apply in addition to these General Terms and Conditions. In the event of any discrepancy between these General Terms and Conditions and any separate and/or supplementary conditions, the separate and/or supplementary conditions relating to the sections or pages of the Website will take precedence.

This Website also contains links to websites that are published by third parties, and third­party websites may also feature links to this Website. Fortis Investments has not checked any third­party websites that refer to this Website or to which this Website refers for accuracy, topicality and/or completeness. Fortis Investments emphatically declines any liability in this matter. The fact that a link has been created to a third­party website or that permission has been given for a third­party website to contain a link to this Website, in no way means that Fortis Investments approves of or recommends the products or services offered at that third­party website. If you follow a link to a third­party website, you do so at your own risk.

Fortis Investments may modify these General Terms and Conditions at any time, with immediate effect and without giving prior notification.

The content of this Website may be modified without prior announcement.

Publisher:
The Publisher of this Website is:
Fortis Investment Management Belgium nv/sa
14 Avenue de l´Astronomie
B­1210 Bruxelles
Belgium

Website content and data:

The information and material on this Website are designed solely for general information purposes and in no way represent any offer in relation to financial, banking or insurance products or services. The information may not be used as investment, fiscal or legal advice. The information provided is not intended to replace expert advice. Use of the information provided without verification or further advice is made on your account and at your own risk. No rights are granted to the information provided on the Website. Any decision to purchase shares from one of the investment institutions named on the Website must be taken solely on the basis of the prospectus related to it.

Any prospectus and the offer featured in it may only be taken into consideration if it is permissible and lawful under the applicable law. Any prospectus and the offer featured in it are restricted to the countries and jurisdictions stated expressly therein and are not aimed at nor may they be taken into consideration by persons or entities from any other country or jurisdiction, even though these persons or entities may have access to this Website and/or have knowledge of the information shown on it. The funds shown on this Website are not registered under the Securities Act 1933 of the USA nor are they registered under the Investment Company Act of 1940.

US residents are not permitted to access the information contained in this Website. The information featured on this Website may not be reproduced, disseminated and/or forwarded to or used by any person or entity in any jurisdiction or country where such reproduction, dissemination or use is not permitted on the grounds of the applicable law or regulations.

This Website is not aimed at any person or entity in any country or jurisdiction where the publication, dissemination or availability of the Website is not permitted on the grounds of the nationality, place of residence, place of establishment or otherwise of the person or entity concerned. Persons and entities subject to such restrictions should not access the Website.

Fortis Investments makes every effort to place accurate and current information at this Website. However, Fortis Investments is not responsible for the accuracy, suitability, correctness, completeness of the information and data featured on the Website or to where it refers, nor for the suitability thereof for a particular purpose or use.

Fortis Investments emphatically declines any liability in the matter. No rights may be granted to the information provided on the Website. Fortis Investments can also not guarantee that the Website will operate in an uninterrupted manner or be free of defects.

Fortis Investments will make every effort to update and review the Website on a periodic basis. However, Fortis Investments can accept no obligation to update the information provided, nor to correct any possible errors. Fortis Investments has the right to remove or modify information without prior notification. Fortis Investments emphatically declines any liability in the matter.

Exclusion of liability:

Fortis Investments, its parent companies, subsidiaries, associated entities, directors, employees, representatives or suppliers will not be liable, on any grounds whatsoever, contractually or not, for any direct or indirect damage that may arise as the result of it being possible or impossible to gain access to the Website, the visiting or use of this Website and/or the information provided, the sending or receiving of information via this Website and/or the operation or non­operation of this Website, except in the event of intentional or serious blame on its part.

Fortis Investments, its parent companies, subsidiaries, associated entities, directors, employees, representatives or suppliers will, under no circumstances, be liable for any garbling of data that may occur as the result of technical problems (e.g. transmission errors, technical failures, breakdowns, intervention of third parties, etc.) and/or for any damage or loss relating to software or hardware that is the result of any virus, defect or malfunction in relation to access or use of the Website.

Electronic mail function:

The option to use E­mail to contact Fortis Investments is just one of the convenient features offered by Fortis Investments. You will be aware of the limitations regarding the reliability of sending and receiving E­mails, as well as the accuracy and security of E­mail traffic, so you will understand that Fortis Investments cannot be held liable for any loss or damage arising as a consequence of queries that are not received, confirmed or processed, or as the result of the fact that your E­mails may be intercepted by third parties. As a result, you are expressly advised not to send any sensitive information via E­mail, because it may not be secure. However, if you choose to do so, it is at your own risk.

Privacy regulations:

All information or data sent to Fortis Investments via this Website, by E­mail or in any other way connected with consulting this Website will be handled in accordance with statutory and regulatory requirements.

As a visitor to or person using this Website, you hereby agree that Fortis Investments and its associated entities may record and process any personal data that relates to you for the following purposes: the management of Fortis Investments customers, including new business prospects, management of the contractual relationship, the prevention of irregularities, generating statistics and tests, direct marketing for financial products and services, as well as other products and services that are promoted by Fortis Investments or by associated entities.

You also agree that this data may be passed on to all entities associated with Fortis Investments for the same purposes or to other persons in order to comply with any statutory obligation, or in the event of legal interests. You also agree with such notification should the receiving person or entity be located outside the European Union, regardless of whether an adequate level of protection can be guaranteed for personal data in the country of receipt.

Within Fortis Investments and its associated entities, access to any of your personal data gathered via this Website is restricted to those persons who require this data in order to carry out their duties.

You have the right to request, in writing or via the Website and without any related costs, that Fortis Investments and its associated entities cease using your personal data gathered via this Website for direct marketing purposes.

You have the right to inspect your registered personal details and to request that they be modified if they are incorrect or not relevant. To do this, send a signed and dated written request to Fortis Investments at the address stated above.

Intellectual property rights:

The information and data featured at this Website are protected by intellectual property rights, including copyright and brand rights, owned or arranged by Fortis Investments, its associated entities or third parties. This information and data must be displayed and printed off solely for your personal, non­commercial use, on condition that you make no modifications to the intellectual property rights or otherwise make deletions therein. You agree not to disseminate, reproduce or sell this information and data or in any way make it available for third parties in any form or by any means whatsoever without the express prior written consent of Fortis Investments. Links to this Website may not be inserted without the prior written consent of Fortis Investments.

Applicable legislation and jurisdiction in law:

Your access to, visit to and/or use of the Website and these General Terms and Conditions are governed by and will be interpreted in accordance with Belgian legislation. The Courts in Brussels shall have sole jurisdiction regarding any dispute in this regard, notwithstanding the fact that Fortis Investments may choose another Court that has jurisdiction regarding a similar dispute in accordance with an applicable item of legislation.