Presentations

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This document does not constitute either a public offer or an invitation to submit an offer to purchase securities or financial instruments. It cannot replace an independent examination of the opportunities and risks related to the product presented, taking into account the relevant investment objectives. No investment decision relating to any securities or other financial instruments may under any circumstances be made on the basis of this document, but only on the basis of a prospectus.

In particular, Bausparkasse Schwäbisch Hall AG does not act as an investment adviser or on the basis of an asset management obligation. This document does not constitute any financial analysis. The data, facts and information used in this document do not claim to be complete, accurate or appropriate but, to the best of our knowledge, have been taken from sources considered to be reliable, although we have not verified all such information ourselves. The information and statements are as at the preparation date of this document. They may change at any time or become outdated due to future developments without Bausparkasse Schwäbisch Hall AG being under any obligation to correct or update the information contained herein or to inform you of this.

Accordingly, Bausparkasse Schwäbisch Hall AG makes no warranty or representation regarding the accuracy, completeness or correctness of the information or opinions contained herein. Bausparkasse Schwäbisch Hall AG accepts no liability for direct or indirect damage or losses caused by the distribution and/or use of this document and/or in connection with the distribution and/or use of this document.

This document may contain expectations and forecasts relating to the future. Such forward-looking statements, in particular with regard to the business and earnings performance of Bausparkasse Schwäbisch Hall AG, are based on planning assumptions and estimates and are subject to risks and uncertainties. Actual results may therefore differ from those currently projected. The information contained in this document is the property of Bausparkasse Schwäbisch Hall AG and may not be disclosed to third parties or used for other purposes without the prior consent of Bausparkasse Schwäbisch Hall AG.