Terms and conditions of use By accessing and/or using the website www.swisslife-am.com and any pages thereof (hereinafter referred to as “this website”), you confirm that you have read and understood the following important legal information and that you agree to the terms and conditions set forth therein. If you do not agree to or do not wish to abide by the following terms and conditions, please do not access or use this website. As this information and these terms and conditions are subject to amendment from time to time, you should consult them regularly. Marketing The information contained on this website is intended for marketing and information purposes only and includes, among other things, information on ESG aspects, including but not limited to ESG ratings, ESG scores, carbon metrics and controversy exposure (hereinafter referred to as “ESG aspects”). Access The information and services offered and described on this website are not intended for distribution to or use by any person or entity in any country or legal jurisdiction where such distribution or use would be contrary to applicable local laws or regulations or would subject the funds featured on this website to any registration requirements within such country or jurisdiction. Persons or entities in respect of whom such prohibitions apply must not access or use this website. This website is reserved exclusively for non-US persons and may not be accessed by any citizens or residents of the United States. In particular, units of the applicable funds may not be offered for purchase or sold either in the United States or to or for the account of US citizens or US persons domiciled in the United States. To the extent that contents or documents are made available in a language that is not that of your country of domicile, this does not mean that sales authorisation has been granted or requested for countries with the corresponding national language. No offer and no investment advice The information contained on this website does not constitute a solicitation, recommendation, offer to buy or sell a financial instrument, or investment advice by Swiss Life Asset Managers. Investors are expressly advised that the information provided is intended merely to provide inspiration for their own investment considerations. Furthermore, by offering information, products or services via this website, no solicitation is made to any person to use such information, products or services in jurisdictions where the provision of such information, products or services is prohibited by law or regulation. Products and services mentioned or described on this website may not be available to or suitable for you. The information provided here cannot replace advice from an investment advisor or asset manager based on the individual circumstances of the investor. No decision-making basis Investing in funds involves a risk of capital loss. For further information on risks and fees, please see the legal and regulatory documentation of the respective fund. Please refer to the prospectus, annual reports, articles of incorporation, and PRIIPs KIDs of the respective fund before making any final investment decision. The decision to invest in a fund should take into account all the characteristics or objectives of the respective fund as described in its prospectus, annual reports, articles of incorporation, and PRIIPs KID. All information contained on this website has been prepared by Swiss Life Asset Managers on the basis of publicly available information, internally developed data, and other sources believed to be reliable. However, the information contained on the website is not contractually binding and cannot be used as the sole basis for making an investment decision. It is for general information purposes only and should not be considered a general or individualised recommendation or general or personalised investment, tax or legal advice. Reasonable care has been taken to ensure that the data and information used and contained on the website are accurate and that the opinions stated are fair and reasonable. All opinions and estimates constitute our judgement as of the date of publication and do not constitute general or specific investment advice. All figures and data are unaudited unless otherwise stated. All information on this website is subject to change without notice. This website does not aim to market any services or products other than the respective fund. Any reference to any other service or product is for illustrative purposes only. When purchasing or subscribing an investment on the basis of an analysis of the past performance, you should never forget that past performance offers no guarantee for the future. Both the value of an investment and its return can both rise and fall, and investors may not recoup their invested capital. They should be aware of the fact that exchange rate fluctuations can exert an influence on investments in foreign currencies. Any performance data presented on this website represent past performance. Past performance is no indication of current or future performance. The performance data do not include commissions and costs incurred when issuing and redeeming fund units. Please note that Swiss Life Group companies and their employees may have interests or positions in relevant securities or may have a business relationship with the issuers. ESG Information which includes any historical information, data or analysis concerning the future development of ESG aspects should not be taken as an indication or guarantee of any future developments, analyses, forecasts or predictions. Past information about ESG aspects is not a guarantee for future results or the future development of any ESG aspects. In no way does this constitute a guarantee of further positive development of ESG aspects. No warranty Swiss Life Asset Managers takes great care to ensure that the information contained on its website is correct and up to date. However, Swiss Life Asset Managers neither explicitly nor implicitly guarantees that the data, information and references on this website are at all times correct, complete and available. Swiss Life Asset Managers reserves the right to change or remove data, information or references at any time without prior notice. The data and information are provided by Swiss Life Asset Managers on an “as is” and “as available” basis. The information and documents contained on this website have been prepared in part on the basis of information provided by external information providers. Although Swiss Life Asset Managers’ information providers, including without limitation MSCI ESG Research LLC as well as MSCI Real Estate and its respective affiliates (the “MSCI Parties”) obtain information from sources they consider reliable, none of the MSCI Parties warrants or guarantees the originality, accuracy authenticity, accuracy and/or completeness of any data contained therein and expressly disclaim any express or implied warranties of any kind, including warranties of merchantability, fungibility or fitness for a particular purpose. The information may only be used for your internal use, may not be reproduced or redisseminated in any form and may not be used as a basis for or a component of any financial instruments, products or indices. Further, none of the information can in and of itself be used to determine which securities to buy or sell or when to buy or sell them. None of the MSCI Parties shall have any liability for any errors or omissions in connection with any data contained herein or any liability for any direct, indirect, special, punitive, consequential or any other damages (including lost profits), even if notified of the possibility of such damages. Exclusion of liability Your use of the internet or this website and any links, hyperlinks and web addresses is entirely at your own risk. This also applies to e-mails (electronic mail) and links that connect you to us. Swiss Life Asset Managers assumes no liability whatsoever for direct or indirect loss or damage incurred by users of its websites or by third parties as a result of contacts or transactions made via the internet. In particular, it shall not be held liable for the accuracy, timeliness, quality, suitability or completeness of the data, information and content shown or transmitted via the internet. Swiss Life Asset Managers does not guarantee technically smooth and uninterrupted access to its website, nor can it guarantee that use of the website will not lead to technical problems elsewhere. Owing to amendments to laws, decrees and regulations and the risks of electronic communication, Swiss Life Asset Managers offers no assurance or guarantee that the websites will operate consistently without interruption or error or be free from malware. As a user, you agree to use this or any connected website and their contents at your own risk. “Use” is also understood to include access to the above-mentioned websites and their contents. Neither Swiss Life Asset Managers nor any other party involved in the design, production or the provision of this website or any connected website shall be liable for any loss or damage resulting from its use or from any erroneous content, irrespective of whether such loss or damage is direct or indirect, causally or non-causally related, contractual or non-contractual, or resulting from a civil or criminal law offence. This exclusion of liability also refers to indirect and consequential loss or damage, such as foregone profits or losses due to business interruptions. By accepting these terms and conditions of use, visitors to the website confirm that the details they have provided are correct and undertake to indemnify Swiss Life Asset Managers if they should have provided false information. Linked websites Swiss Life Asset Managers makes no assurances in connection with other websites that can be accessed via a link on its own website and over which Swiss Life Asset Managers has no surveillance. Swiss Life does not assume ownership of the contents of third-party websites linked from our own websites. It is unable to accept any responsibility for the contents of the linked sites, particularly not for changes to said sites after configuration of the link. Such third-party information is independent of Swiss Life Asset Managers’ own information. Links, hyperlinks and web addresses leading to one or more other websites are for information purposes only and in no way imply that Swiss Life Asset Managers assumes responsibility for the content of such websites or approves of their content or use. Copyright This website contains proprietary names as well as images, information and brand and company names that are protected by copyright. All information contained on our websites is subject to the copyright provisions of your country of domicile and the applicable foreign laws. The applicable laws on the protection of intellectual property expressly prohibit any copying or use, either in full or in part, of such material, which includes the Swiss Life logo. No information or references contained on this website may be copied, reproduced, distributed or used in other ways without the explicit written consent of Swiss Life Asset Managers unless Swiss Life Asset Managers has expressly permitted certain use of the images, information or data in question (e.g. download of images). If you would like to apply for approval to copy information contained on this website that is not freely available for use, please contact Swiss Life Asset Managers. Data protection Swiss Life Asset Managers undertakes to make use of the personal data that it receives via this website for internal data processing purposes only. Swiss Life Asset Managers shall, to this end, act within the limits of the statutory and regulatory provisions. Swiss Life Asset Managers undertakes to comply with the provisions of the revised Swiss Data Protection Act in force since 1 September 2023 as well as the European General Data Protection Regulation (Regulation [EU] 2016/679 of the European Parliament and of the Council of 27 April 2016 on the protection of natural persons with regard to the processing of personal data and on the free movement of such data, and repealing directive 95/46/EC) in force since 25 May 2018 as well as the national data protection laws as amended. General Please note that all your movements on this website may be recorded and analysed for security, marketing and system monitoring purposes, among others. Access to and use of this website and any parts thereof, and the terms and conditions of this legal information, are governed by Swiss law. The place of jurisdiction is Zurich, Switzerland, unless there are regulatory provisions under the local law applicable to the user that take precedence. Fund glossary – Disclaimer Swiss Life Asset Managers would like to point out that the concepts defined in the fund glossary are context-dependent and may be interpreted differently in different situations. We therefore recommend you have their use in any specific context reviewed. Swiss Life Asset Managers accepts no claims or liability which may arise from the direct or indirect use of a term referred to in this glossary. Severability clause Should any provision of the aforementioned terms and conditions of use, sales restrictions and legal information be or become invalid, this shall not affect the validity of the remaining provisions.