Kombiprodukt and Kombiprodukt Balance

Investment in mutual funds is also associated with risk. The value of an investment may increase, stagnate, or even decrease, and a return on the originally invested amount is not guaranteed. For the avoidance of doubt VÚB, a.s. and Eurizon SK are not liable for financial losses caused by the decision of investors to invest their money into individual funds on the basis of or in connection with this document. Past performance is not a reliable indicator of future performance.

The statutes, prospectuses and key investor information for Eurizon SK mutual funds, specifying the schedule of fees and charges, are available in the Slovak language at the headquarters of Eurizon SK and the depositary, at all VÚB, a.s. sales points and on www.eurizonslovakia.com. The investor has the opportunity to acquaint themselves with all the documents referred to in this paragraph. The official names of the mutual funds mentioned in this document are as follows: ACTIVE BOND FUND, otvorený podielový fond, STREDOEURÓPSKY DLHOPISOVÝ FOND, otvorený podielový fond, DYNAMICKÉ PORTFÓLIO, otvorený podielový fond, VYVÁŽENÝ RASTOVÝ FOND, otvorený podielový fond, ACTIVE MAGNIFICA, otvorený podielový fond, FLEXIBILNÝ KONZERVATÍVNY FOND, otvorený podielový fond and AKCIOVÉ PORTFÓLIO, otvorený podielový fond.

In accordance with the approved Eurizon SK mutual fund statutes, the proportion of securities or money market instruments issued or guaranteed by the states listed in the individual funds statutes may exceed 35% of the value of the fund assets, and may represent up to 100% of this value. The investment policy of the relevant Eurizon SK mutual funds may, in accordance with the approved statutes, be to invest primarily in assets other than transferable securities and money market instruments. This material is a promotional document or marketing message. Information on investment services, including warnings on the risks associated with investments in financial instruments, including shares of mutual funds can be obtained at all VÚB, a.s. sales points and on www.vub.sk in the section Legal information, Investor Protection.

* it is divided in a ratio of 1:2 (for the mutual funds – Active Bond Fund, Central European Bond Fund, Dynamic Portfolio, Balanced Growth Fund, Active Magnifica, Flexible Conservative Fund and the Equity Portfolio – it is €500 in the 12-month fixed-term deposit + €1,000 in the VÚB AM mutual funds, where the total minimum investment is €1,500). In one Combi-product it is possible to combine: Active Bond Fund, Central European Bond Fund, Dynamic Portfolio, Balanced Growth Fund, Active Magnifica, Flexible Conservative Fund, MIX 15 and Equity Portfolio, subject to the condition of a minimum investment in such funds.