This marketing communication produced by AS "SEB banka" contains general marketing information about its financial instruments, investment services or ancillary services. Although the content is based on sources judged to be reliable, AS "SEB banka" will not be liable for any omissions or inaccuracies, or for any loss whatsoever which arises from reliance on it. If investment research is referred to, you should if possible read the full report and the disclosures contained within it. Information relating to taxes may become outdated and may not fit your individual circumstances. Investment products produce a return linked to risk. Their value may fall as well as rise, and historic results and/or returns are not reliable indicators to expect future result and/or returns and are no guarantee of future result and/or returns; in some cases, losses can exceed the initial amount invested. Where either funds or you invest in securities denominated in a foreign currency, changes in exchange rates can impact the return. You alone are responsible for your investment decisions and you should always obtain detailed information before taking them. For more information please see inter alia the prospectus, Key Investor Information for funds and information brochure for SEB's funds and other financial instruments, investment services or ancillary services, available at AS "SEB banka" homepage. If necessary you should communicate with your investment advisor at AS "SEB banka".