Disclaimer

This application (the "App") is provided by Sesame Financial Group SA ("Sesame", "we", "us", "our").

By accessing or using this App, you acknowledge and agree to the terms set out in this Disclaimer.

1. Professional Use Only

This App and all information contained within it are intended solely for professional use by authorized users.

The App is not intended for retail clients or the general public. Access is restricted to users who have been granted authorization by Sesame or its affiliated entities.

2. No Investment Advice or Research

All content available through the App, including but not limited to:

• news
• market commentary
• research materials
• trade ideas
• pricing outputs
• event-related information
• downloadable documents

is provided for informational and marketing purposes only.

Such content:

• does not constitute investment advice, financial advice, or a personal recommendation
• should not be construed as investment research within the meaning of applicable regulations
• does not take into account the specific investment objectives, financial situation, or needs of any individual user

Users are solely responsible for making their own independent investment decisions and, where appropriate, should seek professional advice.

3. No Offer or Solicitation

Nothing in this App constitutes:

• an offer to sell
• a solicitation of an offer to buy
• or a recommendation to enter into any transaction involving financial instruments or products

Any references to financial products or instruments are indicative only.

4. Indicative Information and Pricing

All data, including pricing, valuations, and analytics:

• are indicative only
• do not represent firm quotes or binding offers
• may be subject to delay, inaccuracies, or change without notice

The pricing tools and outputs available in the App are provided for convenience and informational purposes only and should not be relied upon as definitive or executable values.

5. Forward-Looking Statements and Market Information

The App may contain forward-looking statements, including:

• projections
• forecasts
• estimates
• expected performance

Such statements:

• are based on assumptions and current market conditions
• involve inherent risks and uncertainties
• may differ materially from actual outcomes

Market data and other information may be sourced from third parties believed to be reliable; however, Sesame does not guarantee the accuracy, completeness, or timeliness of such information.

6. Investment Risks

Investments involve risks, including:

• potential loss of capital
• market fluctuations
• liquidity risk
• currency risk

Past performance is not indicative of future results, and future returns are not guaranteed.

Users must refer to the official documentation of the relevant financial product, including prospectuses and final terms, before making any investment decision.

7. Confidentiality and Restrictions on Use

All content available through the App is:

• confidential
• intended solely for the authorized user

Users must not:

• reproduce, distribute, or disclose any content to third parties
• share screenshots, extracts, or downloaded materials
• allow unauthorized access to the App

Certain materials may be intended exclusively for institutional or professional clients and must not be shared beyond authorized recipients.

8. Downloaded Documents

Documents made available for download:

• may be confidential and/or personalized (including watermarking)
• are provided solely for the user's internal use

Once downloaded, users are responsible for ensuring appropriate handling and confidentiality. Sesame does not control further distribution after download.

9. Events and Calendar Integration

The App may allow users to add event information to their personal device calendar.

• This functionality operates locally on the device only
• No calendar data is transmitted to Sesame

Users remain responsible for managing their own calendar data and reminders.

10. Notifications

The App may provide notifications based on:

• user portfolio characteristics
• product-related events
• administrative triggers

Notifications are provided for convenience only and do not constitute advice, recommendations, or guarantees of relevance or completeness.

11. Limitation of Liability

To the fullest extent permitted by applicable law:

Sesame Financial Group SA, its directors, officers, employees, and affiliates shall not be liable for any direct, indirect, incidental, consequential, or special damages, including but not limited to:

• financial losses
• loss of profits
• loss of opportunity
• business interruption

arising out of or in connection with:

• the use of, or inability to use, the App
• reliance on any content or information provided
• errors, omissions, or inaccuracies in the data
• delays or interruptions in availability

12. Regulatory Positioning

This App and its content:

• do not constitute a prospectus under Swiss law, European Union directives, or any other applicable regulations
• are not intended to satisfy regulatory requirements applicable to investment research
• are provided in accordance with applicable financial regulations, including principles derived from MiFID II and Swiss regulatory standards

13. No Obligation to Update

Sesame reserves the right to:

• modify, update, or remove content at any time
• discontinue features or functionality

We are under no obligation to update any information or keep it current.

14. User Responsibility

Users are responsible for:

• maintaining the confidentiality of their login credentials
• ensuring compliance with applicable laws and regulations
• evaluating the suitability of any information or product

Unauthorized use of the App or its content is strictly prohibited.

15. Copyright

© 2026 Sesame Financial Group SA. All rights reserved.

All content within the App is protected by intellectual property laws and may not be used without prior written consent.