The use of the EFIB site and the connected Internet sites with Fortis subsidiaries hereinafter: "the companies") is subject to the following conditions and restrictions. Access to and the use of one or more of these sites (hereinafter: "the sites") implies that the user accepts the following statements:

Each of the companies explicitly rejects liability for any damage as a result of or in conjunction with access to or use of the sites. There can be no guarantee of a faultless and/or uninterrupted functioning of the sites.

No guarantee or statement will be given by any of the companies, neither explicitly nor implicitly, regarding the reasonableness, correctness or completeness of the information published on the sites or information that is accessible through the sites. None of the companies nor the general management and employees aof the companies does accept any liability for the information and/or recommendations published on the sites or for information and/or recommendations that are accessible through the sites. Information and recommendations can be changed without any prior warning. Furthermore, this information cannot and may not be used for advice on investments or for tax or legal matters.

All images on the sites, including text, photos, illustrations, graphs, (trade)names, logos, trade and services brands are fully owned or under licence of one or more of the companies and are protected by copyright, trademark rights and/or any other intellectual property rights (see also below). The (intellectual) property right is in no way transferred to the (legal) entity that has access to the site. The contents of the sites may only be used for non-commercial, private purposes. The user of the site may not duplicate, transmit, distribute or circulate the contents of this site or make its contents available against payment to third parties, without the prior written permission by (one or more of) the companies.

All other content included on this site, such as photographs, images, animations, layout and design is owned by Desert Visions, Made by Gil, R-nexus, R-Nexus, R-logos, Century Designs and its licensors. This content is protected by international copyright laws and/or other intellectual property right laws and may not be used or copied without express permission.

References or hyperlinks to other sites that are not owned by one or more of the companies are only included for the information of the user of the sites. None of the companies can give any guarantees or accept any liability regarding the contents of these sites.

Certain of the statements contained herein are statements of future expectations and other forward-looking statements that are based on management's current views and assumptions and involve known and unknown risks and uncertainties that could cause actual results, performance or events to differ materially from those expressed or implied in such statements. Actual results, performance or events may differ materially from those in such statements due to, without limitation, general economic conditions, including in particular economic conditions in Fortis' core markets, performance of financial markets, including emerging markets, the frequency and severity of insured loss events, mortality and morbidity levels and trends, persistency levels, interest rate levels, currency exchange rates, including the Euro - U.S. dollar exchange rate, increasing levels of competition, changes in laws and regulations, including monetary convergence and the European Monetary Union, changes in the policies of central banks and/or foreign governments and general competitive factors, in each case on a global, regional and/or national basis.

The above-mentioned with respect to one or more of the companies applies mutatis mutandis to the Fortis top companies Fortis (NL) N.V. and Fortis (B).

"The price of an investment may fall as well as rise. The purchase of a non-sterling denominated investment will expose you to foreign exchange risk. These risks may result in you ultimately realising an amount below that originally invested. Past performance is not necessarily a guide to future performance. If you deal with a non-UK regulated entity you will not benefit from the protections afforded by the UK regulatory regime. The local tax advantages mentioned may not apply to UK investors. You should always seek appropriate independent financial advice. Approved by Fortis Bank SA/NV, UK Branch which is regulated by FSA for the conduct of investment business in the UK."