Use of this Web Site constitutes agreement with the following terms and conditions.

Da Vinci Asset Management AG maintains this web site as a courtesy to those who may choose to access the web site. The information presented herein is for informative purposes only. Da Vinci Asset Management AG is pleased to allow Users to visit the Site and download and copy the information, documents and materials from the Site for User's personal, non-commercial use, without any right to resell, redistribute or create documentation there from, subject to the terms and conditions outlined below, and also subject to more specific restrictions that may apply to specific material within this Web Site.

Da Vinci Asset Management AG administers this Web Site. www.dvam.ch a "Gateway to Private Banking Services."

Unless expressly stated otherwise, the findings interpretations and conclusions expressed in the Materials in this Site are those of the various authors of the work and are not necessarily those of Da Vinci Asset Management AG Group's Boards of Executive Directors or the countries they represent.

Materials provided on this web site are provided "as is" without warranty of any kind, either express or implied, including without limitation warranties of merchantability, fitness for a particular purpose, and non-infringement . Da Vinci Asset Management AG specifically does not make any warranties or representations as to the accuracy or completeness of any such information. Da Vinci Asset Management AG periodically adds, removes, improves, or updates the information on this Site without notice. Under no circumstances shall Da Vinci Asset Management AG be liable for any loss, damage, liability or expense incurred or suffered which is claimed to resulted from use of this Site, including without limitation, any fault, error, omission, interruption or delay with respect thereto.

Use of this Site is at the user's sole risk. Under no circumstances, including, but not limited to, negligence, shall Da Vinci Asset Management AG or its affiliates be liable for any direct, indirect, incidental, special or consequential damages, even if Da Vinci Asset Management AG has been advised of the possibility of such damages.

User specifically acknowledges and agrees that Da Vinci Asset Management AG is not liable for any conduct of any user.

This site may contain advice, opinions, and statements of various information providers and content providers. Da Vinci Asset Management AG does not represent or endorse the accuracy or reliability of any advice, opinion, statement or other information provided by any information provider or content provider, or any user of this site or other person or entity. Reliance upon any such opinion, advice, statement, or other information shall also be at the user's own risk. Neither Da Vinci Asset Management AG nor its affiliates, nor any of their respective agents, employees, information providers or content providers shall be liable to any anyone for any inaccuracy, error, omission, interruption, timeliness, completeness, deletion, defect, failure of performance, computer virus, communication line failure, alteration of, or use of any content herein, regardless of cause, for any damages resulting there from.

As a condition of use of this web site, all users agrees to indemnify Da Vinci Asset Management AG and its affiliates from and against any and all actions, claims, losses, damages, liabilities and expenses (including reasonable attorneys' fees) arising out of user's use of this Web Site, including without limitation any claims alleging facts that if true would constitute a breach by the user of these terms and conditions. If the user is dissatisfied with any material on our Web Site or with any of the terms and conditions of use of this Web Site, it is within the user's sole and exclusive choice to discontinue using this Web Site.

Nothing in this Web Site shall be construed, implicitly or explicitly, as containing any investment recommendations. Nothing in our Web Site, constitutes an offer of or an invitation by or on behalf of Da Vinci Asset Management AG to purchase or sell any shares or securities nor should it be considered as investment advice.

Links to third-party web sites

Our Web Site may contain, occasionally, links to third-party web sites. The linked sites are not under the control of Da Vinci Asset Management AG and Da Vinci Asset Management AG is not responsible for the contents of any linked site or any link contained in a linked site. Da Vinci Asset Management AG provides these links only as a convenience, and the inclusion of a link does not imply endorsement of the linked site by Da Vinci Asset Management AG.

Applicable Law and Jurisdiction

This Agreement will be interpreted and enforced in accordance with the laws of Switzerland. Any action to enforce this agreement shall be brought in the federal courts of Switzerland.

Preservation of Immunities Nothing herein shall constitute or be considered to be a limitation upon or a waiver of the privileges and immunities of Da Vinci Asset Management AG for Reconstruction and Development, which are specifically reserved.

General

Da Vinci Asset Management AG reserves its exclusive right in its sole discretion to alter, limit or discontinue the site or any Materials in any respect. Da Vinci Asset Management AG shall have no obligation to take the needs of any user into consideration in connection therewith.

Da Vinci Asset Management AG reserves the right to deny in its sole discretion any user access to this Web Site or any portion thereof without notice.

No waiver by Da Vinci Asset Management AG of any provision of this Agreement shall be binding except as set forth in a writing signed by its duly authorized representative.

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