Common use of Risk of investing in Securities Clause in Contracts

Risk of investing in Securities. 8.1 In this Article FitVermogen provides a general description of the nature and risks of the Securities to which the services of FitVermogen relate. An investment institution requests funds for collective investment with the aim being to ensure that the joint investors share the investment revenue. The manager of the invest- ment institution manages the pooled assets and determines the investment policy of the investment insti- tution, based on a certain degree of risk diversification. There are various types of investment institutions, depending upon the nature of the investments, such as equities, bonds and real estate. The exchange risk and the possible yields on an investment in an investment institution are very dependent upon the asset class (for example, bonds or equities) and the spread thereof (for example, across sectors and regions). In general, an investment in Securities with a higher expected yield will involve greater risks. When investing in foreign investment institutions, an exchange rate risk is one of the risks that, if applicable, should be taken into account. The risks of investments in an investment institution can therefore be extremely diverse, de- pending upon the investment institution’s investment policy. The specific risks of an investment institution can be found in the Key Investor Information and/or the Prospectus. This clarification and the risks described are by no means exhaustive. FitVermogen will provide written infor- mation about this upon request. 8.2 By accepting this Agreement and these Terms and Conditions, you declare: – to be aware of the investment risks related to Securities; – that you will be able to bear the related losses; – to accept these risks without reservation. In particular, you declare that you are aware that the value of investments in Securities can fluctuate and that results achieved in the past do not offer any guarantee for the future. 8.3 You are personally responsible for making your own investment decisions. 8.4 You declare to be familiar with the information which FitVermogen has issued to you in this Agreement and these Terms and Conditions and on the Website and you declare to fully understand this information. 8.5 Issuing Institutions are obliged to draw up certain information about Securities and to make it available to potential investors. Information that is in any case obligatory is the Key Investor Information Document and the Prospectuses. These describe the investment policy, the costs and the risks of the Securities. It is your responsibility to consult this information before you invest in the relevant Security. You can refer to the Key Investor Information and Prospectuses about the relevant Securities via the Website.

Risk of investing in Securities. 8.1 In this Article FitVermogen provides a general description of the nature and risks of the Securities to which the services of FitVermogen relate. An investment institution requests funds for collective investment with the aim being to ensure that the joint investors share the investment revenue. The manager of the invest- ment investment institution manages the pooled assets and determines the investment policy of the investment insti- tutioninstitution, based on a certain degree of risk diversification. There are various types of investment institutions, depending upon the nature of the investments, such as equities, bonds and real estate. The exchange risk and the possible yields on an investment in an investment institution are very dependent upon the asset class (for example, bonds or equities) and the spread thereof (for example, across sectors and regions). In general, an investment in Securities with a higher expected yield will involve greater risks. When investing in foreign investment institutions, an exchange rate risk is one of the risks that, if applicable, should be taken into account. The risks of investments in an investment institution can therefore be extremely diverse, de- pending depending upon the investment institution’s investment policy. The specific risks of an investment institution can be found in the Key Investor Information and/or the Prospectus. This clarification and the risks described are by no means exhaustive. FitVermogen will provide written infor- mation information about this upon request. 8.2 By accepting this Agreement and these Terms and Conditions, you you, and in the case of an account in two names (joint account) also on behalf of your joint account holder, declare: – to be aware of the investment risks related to Securities; – that you will be able to bear the related losses; – to accept these risks without reservation. In particular, you declare that you are aware that the value of investments in Securities can fluctuate and that results achieved in the past do not offer any guarantee for the future. 8.3 You are personally responsible for making your own investment decisions, which includes not making a decision as referred to in the second paragraph of Article 2.3. 8.4 You declare to be familiar with the information which FitVermogen has issued to you in this Agreement and these Terms and Conditions and on the Website and you declare to fully understand this information. 8.5 Issuing Institutions are obliged to draw up certain information about Securities and to make it available to potential investors. Information that is in any case obligatory is the Key Investor Information, the Key Information Document (if required) and the Prospectuses. These describe the investment policy, the costs and the risks of the Securities. It is your responsibility to consult this information before you invest in the relevant Security. You can refer to the Key Investor Information and Prospectuses about the relevant Securities via the Website.

Risk of investing in Securities. 8.1 In this Article FitVermogen provides a general description of the nature and risks of the Securities to which the services of FitVermogen relate. An investment institution requests funds for collective investment with the aim being to ensure that the joint investors share the investment revenue. The manager of the invest- ment investment institution manages the pooled assets and determines the investment policy of the investment insti- tutioninstitution, based on a certain degree de- gree of risk diversification. There are various types of investment institutions, depending upon the nature of the investments, such as equities, bonds and real estate. The exchange risk and the possible yields on an investment in an investment institution are very dependent upon the asset class (for example, bonds or equities) and the spread thereof (for example, across sectors and regions). In general, an investment in Securities with a higher expected yield will involve greater risks. When investing in foreign investment institutions, an exchange rate risk is one of the risks that, if applicableapplica- ble, should be taken into account. The risks of investments in an investment institution can therefore be extremely diverse, de- pending depending upon the investment institution’s investment policy. The specific risks of an investment institution can be found in the Key Investor Information and/or the Prospectus. This clarification and the risks described are by no means exhaustive. FitVermogen will provide written infor- mation about this upon request. 8.2 By accepting this Agreement and these Terms and Conditions, you you, and in the case of an account in two names (joint account) also on behalf of your joint account holder, declare: – - to be aware of the investment risks related to Securities; – - that you will be able to bear the related losses; – - to accept these risks without reservation. In particular, you declare that you are aware that the value of investments in Securities can fluctuate and that results achieved in the past do not offer any guarantee for the future. 8.3 You are personally responsible for making your own investment decisions. 8.4 You declare to be familiar with the information which FitVermogen has issued to you in this Agreement and these Terms and Conditions and on the Website and you declare to fully understand this information. 8.5 Issuing Institutions are obliged to draw up certain information about Securities and to make it available to potential investors. Information that is in any case obligatory is the Key Investor Information Document and the Prospectuses. These describe the investment policy, the costs and the risks of the Securities. It is your responsibility to consult this information before you invest in the relevant Security. You can refer to the Key Investor Information Informa- tion and Prospectuses about the relevant Securities via the Website.

Risk of investing in Securities. 8.1 In this Article FitVermogen provides a general description of the nature and risks of the Securities to which the services of FitVermogen relate. An investment institution requests funds for collective investment with the aim being to ensure that the joint investors share the investment revenue. The manager of the invest- ment investment institution manages the pooled assets and determines the investment policy of the investment insti- tutioninstitution, based on a certain degree de- gree of risk diversification. There are various types of investment institutions, depending upon the nature of the investments, such as equities, bonds and real estate. The exchange risk and the possible yields on an investment in an investment institution are very dependent upon the asset class (for example, bonds or equities) and the spread thereof (for example, across sectors and regions). In general, an investment in Securities with a higher expected yield will involve greater risks. When investing in foreign investment institutions, an exchange rate risk is one of the risks that, if applicableapplica- ble, should be taken into account. The risks of investments in an investment institution can therefore be extremely diverse, de- pending depending upon the investment institution’s investment policy. The specific risks of an investment institution can be found in the Key Investor Information and/or the Prospectus. This clarification and the risks described are by no means exhaustive. FitVermogen will provide written infor- mation information about this upon request. 8.2 By accepting this Agreement and these Terms and Conditions, you you, and in the case of an account in two names (joint account) also on behalf of your joint account holder, declare: – to be aware of the investment risks related to Securities; – that you will be able to bear the related losses; – to accept these risks without reservation. In particular, you declare that you are aware that the value of investments in Securities can fluctuate and that results achieved in the past do not offer any guarantee for the future. 8.3 You are personally responsible for making your own investment decisions. 8.4 You declare to be familiar with the information which FitVermogen has issued to you in this Agreement and these Terms and Conditions and on the Website and you declare to fully understand this information. 8.5 Issuing Institutions are obliged to draw up certain information about Securities and to make it available to potential investors. Information that is in any case obligatory is the Key Investor Information Document and the Prospectuses. These describe the investment policy, the costs and the risks of the Securities. It is your responsibility to consult this information before you invest in the relevant Security. You can refer to the Key Investor Information and Prospectuses about the relevant Securities via the Website.

Risk of investing in Securities. 8.1 In this Article FitVermogen provides a general description of the nature and risks of the Securities to which the services of FitVermogen relate. An investment institution requests funds for collective investment with the aim being to ensure that the joint investors share the investment revenue. The manager of the invest- ment investment institution manages the pooled assets and determines the investment policy of the investment insti- tutioninstitution, based on a certain degree de- gree of risk diversification. There are various types of investment institutions, depending upon the nature of the investments, such as equities, bonds and real estate. The exchange risk and the possible yields on an investment in an investment institution are very dependent upon the asset class (for example, bonds or equities) and the spread thereof (for example, across sectors and regions). In general, an investment in Securities with a higher expected yield will involve greater risks. When investing in foreign investment institutions, an exchange rate risk is one of the risks that, if applicableapplica- ble, should be taken into account. The risks of investments in an investment institution can therefore be extremely diverse, de- pending depending upon the investment institution’s investment policy. The specific risks of an investment institution can be found in the Key Investor Information and/or the Prospectus. This clarification and the risks described are by no means exhaustive. FitVermogen will provide written infor- mation information about this upon request. 8.2 By accepting this Agreement and these Terms and Conditions, you you, and in the case of an account in two names (joint account) also on behalf of your joint account holder, declare: – - to be aware of the investment risks related to Securities; – - that you will be able to bear the related losses; – - to accept these risks without reservation. In particular, you declare that you are aware that the value of investments in Securities can fluctuate and that results achieved in the past do not offer any guarantee for the future. 8.3 You are personally responsible for making your own investment decisions. 8.4 You declare to be familiar with the information which FitVermogen has issued to you in this Agreement and these Terms and Conditions and on the Website and you declare to fully understand this information. 8.5 Issuing Institutions are obliged to draw up certain information about Securities and to make it available to potential investors. Information that is in any case obligatory is the Key Investor Information Document and the Prospectuses. These describe the investment policy, the costs and the risks of the Securities. It is your responsibility to consult this information before you invest in the relevant Security. You can refer to the Key Investor Information and Prospectuses about the relevant Securities via the Website.