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Credit rating

Credit rating describes the debtor's ability to meet their payment obligations. The credit rating of the issuer of bonds and other investment products is of great importance to investors. Should the issuer become insolvent, this means that it will not be able to repay the capital owed to investors as planned. In the worst case, this can result in the total loss of the invested capital for the investor. International rating agencies such as Moody's, Standard & Poor's (S&P) or Fitch assess creditworthiness according to a defined rating system.

Information for private investors / consumers

The information, materials and services relating to financial instruments and securities provided by Erste Group Bank AG or any company of its group of credit institutions (collectively "Erste Group") on this site and any of the following linked websites (collectively the “Websites”) are intended exclusively for investors who are not subject to any legal restrictions on sale or purchase (each an “Interested Party“).

The publication and distribution of information and the offering and selling of products and services described on the Websites is prohibited by law in some jurisdictions. For this reason, persons in countries where the publication and the offering and selling of products and services described on the Websites is not permitted by law may not access the Websites and/or acquire the products displayed on the Websites.

In particular, neither Erste Group nor any third party shall provide access to the Websites or offer the products displayed thereon to citizens/residents of the United States and “U.S. persons” as defined in Regulation S under the U.S. Securities Act of 1933, as amended. Accordingly, any distribution or redistribution of the above-referenced information, materials and products in the United States or in any other jurisdiction where this is not permitted under applicable law, as well as to the citizens/residents of these countries shall be prohibited. The securities referenced on the Websites have not been and will not be registered under the U.S. Securities Act of 1933, and trading in these securities has not been approved for the purposes of the U.S. Commodities Exchange Act of 1936. Therefore, such securities may, inter alia, not be offered, sold or delivered in the United States or to, or for the account and benefit of, U.S. persons.

It is solely the responsibility of the Interested Party to ensure that it is authorised to access the Websites under the laws applicable to it. Erste Group is not responsible for the distribution of contents of any of the Websites to individuals or entities that provided false information about their rights to access the Websites. For this reason, Erste Group shall not be liable for any legal claims or damages which may result from the unauthorised access or use of the Websites.

Important legal information is provided at the bottom page of this Website under the heading “Disclaimer”.

By agreeing to this information, the Interested Party acknowledges that

(i) it has obtained information about any legal restrictions that may apply and affirms that it is not restricted or prohibited from accessing the Websites under the laws applicable to it; and

(ii) it shall not provide access to the contents of the Websites to any person who is not authorised to obtain such access.