DISCLAIMER WORDING – MORNINGSTAR FUND FACTSHEETS

RaboDirect offers execution-only investment funds. This means that we believe that the person who best understands your financial needs is you, and that you are an execution-only client of us. We do not offer financial or other advice to you, and we suggest that you seek advice from an independent financial or other advisor, who does not operate on a commission basis, if you need advice. All of the investment funds available on our website come with additional information such as fact sheets, reports and a prospectus, which you can access through our website.

Access to the fund factsheets is being provided for your information only by Morningstar. You should note that these fund factsheets are updated on a regular basis. We will not advise you when these change, and you should ensure that you keep yourself up to date with the relevant fund factsheet(s) for your investments. We are not responsible for the content of the fund factsheets, and we do not represent or warrant the material contained in the fund factsheets. The content of the fund factsheets, including the information provided by our representatives, is based on information sources believed to be reliable but we cannot guarantee the accuracy or completeness of that information. We are not liable for any loss you may suffer if you act based on the information contained in the fund factsheets. All that we will do is provide you with access to information, but the decision as to whether or not to invest is yours only. You should read our disclaimer (http://www.rabodirect.ie/info/disclaimer.asp) and think carefully about the risks involved and your investment objectives before proceeding.