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Disclaimer Bank Insinger de Beaufort N.V. Web Site

1. Applicability

These terms and conditions (the "Disclaimer") apply to each access and use of this Bank Insinger de Beaufort N.V. (hereafter called "INSINGER") web site (the "Web Site"). By further access and use of this Web Site, you acknowledge that you have read (from the beginning to end), understood and agreed to be bound by the Disclaimer. If you do not agree to this Disclaimer or any part thereof you may not access the Web Site and/or use any information contained therein.

2. Permission to access and use

INSINGER hereby grants to you a revocable, non-exclusive, not-transferable right to access and use the Web Site and any information contained therein, solely for the purposes and pursuant to the terms and conditions set out in the Web Site and the Disclaimer. You may only access and use the Web Site and any information contained therein for your own, non-commercial, purposes. You may not alter of cause damage to the Web Site and any information contained therein nor cause damage to other users of this Web Site.

3. Service Provider

The Web Site has been approved for issue in the Netherlands by INSINGER and is operated and provided for and on behalf of itself and certain of its affiliates pursuant to the terms and conditions of this Disclaimer. The details with respect to INSINGER are:

Name:
Bank Insinger de Beaufort N.V.

Contact details:
Herengracht 537
1017 BV Amsterdam
Tel: +31 (0) 20 521 50 00
Fax: +31 (0) 20 521 50 09
Email: info@insinger.com

Licenses:
credit institution within the meaning of the Wet toezicht kredietwezen (Act on the Supervision of Credit Institutions) ("Wtk")
investment institution within the meaning of the Wet toezicht beleggingsinstellingen (Act on the Supervision of Investment Institutions) ("Wtb")
portfolio manager within the meaning of the Wet toezicht effectenverkeer (Act on the Supervision of Securities Trade) ("Wte")
Supervisory Authorities: Wtk and Wtb: De Nederlandsche Bank (The Netherlands Central Bank)
Wte: Autoriteit Financiële Markten (Securities Supervisory Board)

Disclaimer website INSINGER

Naam: Bank Insinger de Beaufort
Adres: Herengracht 537 1017 BV Amsterdam
telefoon: 020-521 50 00
fax: 020-521 50 09
email: info@insinger.com

Chamber of Commerce:
Chamber of Commerce Amsterdam number 33004218

VAT number: NL 0086.31.669.B.01

4. Restrictions

Any information on this Web Site in relation to a particular product or service is directed exclusively and shall be strictly limited to the persons resident in the jurisdictions set out in the product disclaimer relating to such information as displayed on the Web Site (the "Product Disclaimer"). This information is provided by the legal entity or entities which pursuant to the text of the Web Site may be contacted for information on that particular product or service by persons resident in the named countries or states. The details of these relevant legal entity or entities are set out in the relevant Product Disclaimer.

In the absence of a Product Disclaimer, any information in relation to products or services is directed exclusively and shall be strictly limited to the persons resident in the Netherlands and is provided by INSINGER.

You may not access or use any information which is not explicitly directed and provided to you in the manner described in the previous two paragraphs. Also, you may not access or use any information of which you know or reasonably could have known that the provision of such information is prohibited for any reason pursuant to applicable law, including by reason of nationality or residence, even if such information is explicitly directed and provided to you in the manner above.

5. Legal Restrictions specific to UK investors

UK customers dealing with the non UK offices of the Insinger de Beaufort Group or purchasing shares or units in any of the funds referred to on this website should note the following:

- The rules made under the UK Financial Services and Markets Act 2000 for the protection of private customers do not apply to them

- UK customers will not have access to the UK Financial Services Compensation Scheme for losses arising from a default of obligations owed under such scheme. In the event of any dispute, UK customers will not have access to the Financial Ombudsman Scheme in the United Kingdom.

6. Legal restrictions common to US and UK nationals and residents

Research
For legal reasons INSINGER‚s Research cannot be made available to US or UK residents. Access by US and UK residents to information available on INSINGER‚s or INSINGER‚s subsidiaries‚ research - or hyperlinks thereto - is strictly forbidden.

Multi-Manager Funds
US and UK residents are not allowed to invest in the shares or units of any Multi-Manager funds provided by INSINGER or one of its subsidiaries or correspondent companies, except under exceptional circumstances defined by the relevant INSINGER US and UK-regulated entities and as detailed in the relevant products disclaimer.

Other higher risk services and products
US and UK clients should always seek their own financial adviser‚s advice before soliciting or investing in any higher risk service or product promoted on these webpages and/or when in doubt.

7. Risk warning

Past performance is not necessarily indicative of future performance and the value of investments may fall as well as rise and the income from them may fluctuate and is not guaranteed. Clients may not recover the amount invested. Changes in rates of exchange may cause the value of the investments that involve exposure to a foreign currency to go up or down. The level and basis of taxation can change. Tax reliefs available under current legislation may vary, and their availability and value depend on individual circumstances. If you are in doubt, you should consult your investment advisor.

8. Intellectual property right

The Web Site and any part thereof, including the information contained therein, is protected by intellectual property rights, including copyrights, trademark rights and database rights. These rights reside and remain with INSINGER, certain of its affiliates or the third party which has supplied such information. You may not make public or copy in any manner of form the Web Site and any part thereof, including the information contained therein, except insofar such making public or copying is necessary for the access or use of the Web Site. Notwithstanding the aforementioned, you may not deeplink or frame.

9. Changes to the Web Site

INSINGER and any of its affiliates may change, suspend, terminate or discontinue without notice or liability any part of the Web Site at any time, including the availability of any products, services, information, features or functions accessible by means of the Web Site.

10. Separate and additional terms and conditions

Certain sections or pages of this Web Site contain separate or additional terms and conditions, including the general terms and conditions of INSINGER and any of its affiliates, Product Disclaimers and terms and conditions pertaining to specific products or services. In case of any inconsistency between any provision in any of the aforementioned terms and conditions, the order in which the terms and conditions have been placed in the previous sentence of this article shall determine which provision shall prevail, it being understood that a provision contained in general terms and conditions described later in that sentence shall prevail. For the purposes of determining which provision of which general terms and conditions shall prevail, this Disclaimer shall be considered to be placed before the Product Disclaimers.

11. Miscellaneous

11.1 Governing law and jurisdiction

This Disclaimer is governed by and shall be construed in accordance with the law of the Netherlands. Any disputes shall be submitted to the exclusive jurisdiction of the competent court in Amsterdam.

11.2. Affiliates

This Disclaimer shall be for the benefit of INSINGER, its affiliates and their successors and assigns.

11.3 Partial invalidity

The invalidity, illegality or unenforceability of any provision or any part of any provisions of this Disclaimer pursuant to laws of any jurisdiction shall not affect the validity, enforceability or enforceability of any of the other provisions of this Disclaimer.