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Terms & Conditions and Legal Information

Please read the following “Terms & Conditions” carefully. These Terms & Conditions apply to all such information concerning investment funds as may be supplied by IAM SA and/or GAM Investment Management (Switzerland) Ltd in electronic form. Such information concerning investment funds supplied by IAM SA and/or GAM Investment Management (Switzerland) Ltd in electronic form includes any electronic information tool (each one separately or together: the “Sites”), including its components, functions and information contained in or generated out of the Sites (each one separately or together: the “Elements”) provided by IAM SA and/or GAM Investment Management (Switzerland) Ltd.

By accessing any of the Sites or any of their Elements you signify your understanding of and agreement with the following Terms & Conditions and legal information pertaining to the Sites and their Elements. If you do not agree with the following Terms & Conditions, please refrain from accessing in any way any of the Sites and their Elements. The access and use of the Sites and their Elements as well as the following Terms & Conditions and legal information are governed exclusively by the laws of Switzerland. Exclusive Place of Jurisdiction is Zurich, Switzerland. The Terms & Conditions for access and use of the Sites and/or their Elements are subject to change without notice.

Destination of the Sites

The Sites are directed only at legal and natural persons seated or domiciled in countries in which the IAM SA and/or GAM Investment Management (Switzerland) Ltd investment funds or its respective sub-funds or share classes are duly registered or approved for public distribution, offering or sale according to the applicable local laws.

THE INFORMATION AND SERVICES PROVIDED ON THE SITES ARE NOT INTENDED FOR DISTRIBUTION TO, OR USE BY, ANY PERSON OR ENTITY IN ANY JURISDICTION OR COUNTRY WHERE SUCH DISTRIBUTION OR USE WOULD BE CONTRARY TO LOCAL LAW OR REGULATION OR WHICH WOULD SUBJECT ANY ENTITIES OF IAM SA AND/OR THE JULIUS BAER GROUP TO ANY REGISTRATION REQUIREMENT WITHIN SUCH JURISDICTION OR COUNTRY. PERSONS OR ENTITIES IN RESPECT OF WHOM SUCH PROHIBITIONS APPLY MUST NOT ACCESS OR USE THE SITES.

The IAM-GAM Investment Management (Switzerland) Ltd investment funds have particularly NOT been registered for public distribution, offering or sale in the United States according to the U.S. Investment Company Act of 1940 or according to the U.S. Securities Act of 1933, nor in the United Kingdom, Canada, Japan, Taiwan, Malaysia, Hong Kong or Israel according to their respective laws. THEREFORE IT IS CLEARLY UNDERSTOOD THAT THE SITES ARE NOT DIRECTED AT CORPORATIONS OR INDIVIDUALS THAT HAVE THEIR DOMICILE OR RESIDENCE WITHIN THE AFOREMENTIONED COUNTRIES, ITS TERRITORIES OR DEPENDENCIES OR THAT ARE SUBJECT TO THOSE COUNTRIES’ JURISDICTION DUE TO CITIZENSHIP OR SIMILAR STATUSES.

No recommendation or offer to subscribe (or buy) or to redeem (or sell)

The contents of, and/or the statements made in, the Sites or their Elements are for general informational purposes only and should not be considered an individualised recommendation or personalised investment advice. Nothing of the contents of, and/or the statements made in, the Sites or their Elements should be construed as a recommendation or as an offer or as the solicitation of an offer to subscribe (or buy) or to redeem (or sell) any shares of, or to engage in any other transaction involving IAM SA and/or GAM Investment Management (Switzerland) Ltd investment funds. Nothing of the contents of, and/or the statements made in, the Sites or their Elements should be construed as a solicitation to any person to use such contents and/or statements where the provision of such is prohibited by law or regulation.

Shares of investment funds may not be suitable for everyone. Users of the Sites are urged to base their investment decisions upon the appropriate investigations that they deem necessary. In any case, no investments should be made before having read very carefully the respective fund’s Prospectus (“Prospectus”) and/or the Fund Regulations, annual and semi-annual reports, articles of association (where applicable) as well as any other document that may be required by local laws or regulations in the jurisdictions or countries where the respective fund is registered or approved for public distribution, offering or sale.

Furthermore, none of the information contained in the Sites or in its Elements is intended as legal, tax or other advice. You are recommended to contact an independent financial adviser in order to find out whether the investment into the shares of a particular investment fund fits your specific needs and risk category. You are also recommended to contact an independent tax adviser in order to find out about the applicable tax regime of a specific investment in your jurisdiction in the view of your personal circumstances.

Exclusion of Liability for Contents and Functions of Sites

The IAM SA and/or GAM Investment Management (Switzerland) Ltd investment fund companies as well as any involved company of the GAM Investment Management (Switzerland) Ltd Group (each one separately or together: “GAM Investment Management (Switzerland) Ltd”) make reasonable endeavours to ensure the accuracy and regular updating of the Sites and all of their Elements and the data contained therein. However, neither of them makes any representation or warranty of any kind, either expressed or implied, and they expressly disclaim to the fullest extent permitted by law any and all implied warranties of originality, accuracy, completeness, merchantability, timeliness, fitness or correct sequencing for any particular purpose, with respect to the Sites or their Elements and any and all information and materials contained therein (or the results obtained by the use thereof or the decisions taken in reliance thereupon). There may be delays, omissions or inaccuracies. IAM SA and/or GAM Investment Management (Switzerland) Ltd may make changes in the contents of the Sites and their Elements or may discontinue in providing such contents at any time. As far as there is no other notice, all information and opinions expressed on the Sites and in their Elements are exclusively those of IAM SA and/or GAM Investment Management (Switzerland) Ltd, or, as the case may be, of the respective authors. Any dated information is published as of its date only. No obligation or responsibility is undertaken to update or amend any such information.

The user of the Sites and their Elements assumes the entire risk of any access or use made of the Sites or their Elements. In no event shall IAM SA and/or GAM Investment Management (Switzerland) Ltd or any other involved party be liable to the user for any direct or indirect damages, including, without limitation, any lost profits, lost savings or other incidental or consequential damages arising out of the use of (or out of the impossibility of using or accessing) the Sites or their Elements.

In no event, including (without limitation) negligence, IAM SA and/or GAM Investment Management (Switzerland) Ltd or any other involved party will be liable for any consequential, incidental, special or indirect damages (including but not limited to lost profits, trading losses and damages) that result (including but without limitation) from inconvenience, delay, loss, access or use of, or the inability to access or use, any part of the Sites or their Elements, difficulty in use, inaccuracy of information, computer viruses, malicious code or other defect in the Sites or their Elements, or for the incompatibility between the Sites or their Elements and the user’s browser or other site accessing program, even if IAM SA and/or GAM Investment Management (Switzerland) Ltd or its contractual partners have been advised of the possibility of such damages or losses.

IAM SA and/or GAM Investment Management (Switzerland) Ltd and any other involved party further assume no responsibility for, and make no warranties that, functions contained on the Sites will be uninterrupted or error-free, that defects will be corrected, or that the Sites and their Elements or the servers that make it available will be free from viruses or other harmful components.

Linked Sites

IAM SA and/or GAM Investment Management (Switzerland) Ltd has not reviewed and has no control over any the contents of public domain Sites which link to the Sites or their Elements, with the exception of IAM SA and/or GAM Investment Management (Switzerland) Ltd Sites. No responsibility or warranty whatsoever is accepted by IAM SA and/or GAM Investment Management (Switzerland) Ltd for the contents and/or the function of any public domain Sites linked or linking to the Sites or their Elements. Without the prior written authorisation of IAM SA and/or GAM Investment Management (Switzerland) Ltd, there is no permission to make any links to the Sites and any of their Elements.

Confidentiality

Please note that when using a public domain Site (internet site), data are transported over an open network which is accessible to third parties. Data are also regularly transmitted across international borders, even in the case that both, the sender and the receiver of transmitted data are located in the same country. It is thus possible for a third party to monitor a user’s access to the public domain Sites.

Please note that all your movements on the Sites may be recorded and analysed for security, marketing and system monitoring purposes, among others.

Investment Risks

Please be aware that shares of investment funds involve investment risks, including the possible loss of the principle amount invested. Past performance with respect to value or earnings does not guarantee or indicate future value or earnings. The principal value and return on an investment in any investment fund will fluctuate so that an investor’s shares may be worth more or less when redeemed than the original principal value when acquired. Because of ongoing market volatility, the fund’s performance may be subject to significant short-term changes. Moreover, investment funds primarily investing in Emerging Markets and/or low capitalised equity and/or high yield bonds generally tend to be subject to higher risks. Please read the Investment Policy in the Prospectus and/or the Fund Regulations to find out about the specific risks inherent to a particular fund. The funds may also invest in foreign currencies (from the respective fund’s reference currency view). This poses the additional risk of a fluctuation in currency exchange rates.

Fund Documents / Legal Notice

Investments should only be made after reading very carefully the latest Prospectus and/or the Fund Regulations, annual and semi-annual reports, articles of association (where applicable) as well as any other document that may be required by local laws or regulations in the jurisdictions where the respective fund is registered for public distribution, offering or sale. All of these documents can be obtained free of charge from the following entities :

Switzerland:
GAM Investment Management (Switzerland) Ltd
Hardstrasse 201 8037 Zurich

(Representative of funds domiciled outside Switzerland /Fund Management of funds domiciled in Switzerland).
Bank Julius Bär & Co. AG
Bahnhofstrasse 36, Postfach
CH-8010 Zurich.

(Paying Agent in Switzerland of funds domiciled outside Switzerland /Depositary Bank of GAM Investment Management (Switzerland) Ltd funds domiciled in Switzerland).

COPYRIGHT General Remarks

All material or and works of authorship contained in the Sites and their Elements, including but not limited to all design, text, sound recordings and images, are, unless expressly stated otherwise, exclusively and entirely property of IAM SA and/or GAM Investment Management (Switzerland) Ltd. All material available on the Sites and their Elements are, unless expressly stated otherwise, under copyright of IAM SA and/or GAM Investment Management (Switzerland) Ltd. The material is freely usable for browsing purposes only. The material or any part thereof may only be reproduced, whether in written or electronic form, with the express approval of IAM SA and/or GAM Investment Management (Switzerland) Ltd. Any re-publication of the material, or any part of it, contained on the Sites and their Elements requires the prior written consent of IAM SA and/or GAM Investment Management (Switzerland) Ltd.

Ownership of Sites and Trademarks

IAM SA and/or GAM Investment Management (Switzerland) Ltd owns and maintains the Sites and their Elements.

The names and logos of IAM SA and/or GAM Investment Management (Switzerland) Ltd as well as of all GAM Investment Management (Switzerland) Ltd Group companies and the investment fund companies are registered trademarks and service marks of IAM SA and/or GAM Investment Management (Switzerland) Ltd Holding Ltd. No part of the Sites or their Elements shall be construed as granting any right or license to use any image, trademark, service mark or logo, which goes beyond possible contractual agreements with IAM SA and/or GAM Investment Management (Switzerland) Ltd. No act of downloading or otherwise copying from the Sites or their Elements will transfer title to any software or material on Sites or their Elements, which goes beyond possible contractual agreements with IAM SA and/or GAM Investment Management (Switzerland) Ltd. IAM SA and/or GAM Investment Management (Switzerland) Ltdreserves all rights, in particular copyright and trademark ownership, with respect to the contents of the Sites or their Elements and will enforce such rights to the fullest extent of applicable law.

Copyright © 1999 – 2004 GAM Investment Management (Switzerland) Ltd
– all rights reserved –

Disclaimer – Please read the Legal Information and Terms & Conditions of Use before proceeding.
Copyright © 1999 – 2005 GAM Investment Management (Switzerland) Ltd – all rights reserved