Please read these terms and conditions carefully. By accessing this Web Site and any pages thereof, you agree with and understand the following terms of use and the legal information pertaining to both this Web Site and any material on it. If you do not agree to the terms and conditions below, do not access this Web Site or any pages thereof (hereinafter referred to as the "Site").
The entire contents of this Site is the property of Dresdner Bank AG, its direct or indirect subsidiaries (hereinafter referred to collectively as "Dresdner Bank Group") or third parties and is protected by applicable copyright law. Provided that you do not remove any copyright or other proprietary notices you may download or print a hard copy of individual pages and / or sections of the Site. You agree not to sell, distribute, publish, broadcast, circulate or commercially exploit the information in any manner without the express written consent of Dresdner Bank Group. Any downloading or otherwise copying from this Site will not transfer title to any software or material to you. You may not reproduce (in whole or part), transmit (by electronic means or otherwise), modify, link or use this Site for any public or commercial purpose without the prior permission of Dresdner Bank Group.
Dresdner Bank Group owns and maintains this Site. Nothing at this Site shall be construed as granting a license or right to use any image, trademark, service mark or logo. Dresdner Bank Group reserves all rights with respect to its proprietary information or material at this Site and will enforce such rights to the full extent of applicable copyright and trademark law.
Dresdner Private Banking is a protected name of Dresdner Bank Group. Dresdner Private Banking is the international Private Banking arm of the Dresdner Bank Group and includes the Private Banking activities of Dresdner Bank AG, Dresdner Bank Lateinamerika AG, Dresdner Bank Luxembourg S.A., Dresdner Bank (Suisse) SA, Dresdner Lateinamerika Financial Advisors LLC, Kleinwort Benson Private Bank Ltd., Kleinwort Benson (Channel Islands) Limited and Kleinwort Benson (Channel Islands) Limited - Guernsey Branch. Our range of service include Discretionary Portfolio Management, Advisory Business, Investment Funds and Fiduciary Services. However, not all products and services offered by the individual subsidiaries that make up Dresdner Private Banking are available in all jurisdictions. Some products and services may be available only through particular Dresdner Bank Group members.
Nothing on this Site should be construed as a solicitation or offer, or recommendation to buy or sell any securities or financial instruments or provide any investment advice or service. This Site is not to be regarded as a solicitation of business for persons and entities resident in the United States of America. None of the services, investments or mutual funds referred to on this Site are available to US persons or entities, and their prospectuses will not be distributed to any resident in any jurisdiction where such distribution would be contradictory to US and/or local law or regulation. The reader of this information is responsible for determining and satisfying him-/herself that under the laws of the jurisdiction from which access to this Site is obtained, he/she may lawfully do so. Deposits will only be taken by direct or indirect subsidiaries of Dresdner Bank Group that are authorised to do so and will not be accepted from investors where this would violate applicable local laws or regulations in that investor's jurisdiction. The information on this Site is descriptive of the Dresdner Bank Group as a whole, the products, services, securities and financial instruments described may not be available or suitable for you.
Although the Dresdner Bank Group has taken all reasonable care to ensure that the information contained within this Site is accurate no representation or warranty (including liability towards third parties), expressed or implied, is made as to its accuracy, reliability or completeness by Dresdner Bank Group or its contractual partners. Opinions and any other contents at the Site are provided by Dresdner Bank Group for personal use and informational purposes only and are subject to change without notice. Nothing contained on this Site constitutes investment, legal, tax or other advice and is not to be relied on in making an investment or other decision. You should obtain relevant and specific professional advice before making any investment decision.
The information and opinions contained on this Site are provided without any warranty of any kind, either expressed or implied, to the fullest extent permissible pursuant to applicable law. Dresdner Bank Group further assumes no responsibility for, and makes no warranties that, functions contained on this Site will be uninterrupted or error-free, that defects will be corrected, or that this Site or the servers that make it available will be free of viruses or other harmful components.
You agree that under no circumstances, including, but not limited to, negligence, shall Dresdner Bank Group be liable for any special or consequential damages that result from the access or use of, or the inability to access or use, the materials at this Site.
Dresdner Bank Group has not reviewed any Web sites linked to this Site, and is not responsible for the contents of off-site pages or any other Web sites linked or linking to this Site. Following links to any off-site pages or other Web sites is at your own risk.
Past performance is not necessarily a guide to future performance. The value of investments, and the income from them, can go down as well as up, and you may not recover the amount of your original investment. Where investments involve exposure to a currency other than that in which acquisitions of the investment are invited, changes in rates of exchange may cause the value of the investment to go up or down. In the case of some investments, you should be aware that there is no recognised market for them and that it may therefore be difficult for you to deal them or to obtain information about their value or the extent of the risks to which they are exposed. Tax benefits referred to on this Site are subject to change and their availability and value will depend on your individual circumstance.
Mortgage loans and other credit facilities are available subject to status and conditions. Applicants must be over the age of majority. Security and insurance are required for mortgage loans, and may be required for other credit facilities. Written quotations are available on request from the address of the relevant Dresdner Private Banking entities. Please be reminded that your home is at risk if you do not keep up repayments on a mortgage or other loan secured by it. Furthermore, the equivalent of your liability under a foreign currency mortgage may be increased by exchange rate movements.
References on this Site to Dresdner Private Banking are to any of the various Dresdner Private Banking entities, and not necessarily to entities within the United Kingdom. None of the overseas subsidiaries of Dresdner Bank Group are authorised firms in the United Kingdom, and hence the protection afforded to investors by the rules and regulations under the Financial Services and Markets Act 2000, and compensation under the Financial Services Compensation Scheme, will not apply in respect of business transacted with these firms. Deposits made at offices of Dresdner Private Banking companies outside of the United Kingdom will similarly not be within the scope of protection afforded under the Financial Services Compensation Scheme. Kleinwort Benson Private Bank Limited ("KBPB"), Kleinwort Benson Financial Service Limited, Kleinwort Benson Unit Trusts Limited ("KBUT"), and Kleinwort Benson Trustees Limited are each regulated by the Financial Services Authority ("FSA"). KBPB, company number 2056420, is a member firm of the London Stock Exchange. The principal business of KBUT is the provision of regulated Collective Investment Schemes. The FSA does not regulate tax, real estate or trust business.
Kleinwort Benson (Channel Islands) Limited is regulated by The Jersey Financial Services Commission under the Financial Services (Jersey) Law 1998, the Banking Business (Jersey) Law 1991 and the Collective Investment Funds (Jersey) Law 1988 and its Guernsey Branch is regulated by the Guernsey Financial Services Commission under Banking Supervision (Bailiwick of Guernsey) Law 1994 and the Protection of Investors (Bailiwick of Guernsey) Law 1987.
Persons dealing with members of Dresdner Private Banking outside the United Kingdom are not covered by the rules and regulations made for the protection of investors in the United Kingdom. This means that they will not have the benefit of rights designed to protect investors under the Financial Services and Markets Act 2000 and under the rules of the Financial Services Authority.
Certain of the statements contained herein may be 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. In addition to statements which are forward–looking by reason of context, the words "may, will, should, expects, plans, intends, anticipates, believes, estimates, predicts, potential, or continue" and similar expressions identify forward-looking statements. Actual results, performance or events may differ materially form those in such statements due to, without limitation, (i) general economic conditions, including in particular economic conditions in the Allianz Group’s business and markets, (ii) performance of financial markets, including emerging markets, (iii) the frequency and severity of insured loss events, (iv) mortality and morbidity levels and trends, (v) persistency levels, (vi) interest rate levels, (vii) currency exchange rates including the Euro – U.S. dollar exchange rate, (viii) changing levels of competition, (ix) changes in laws and regulations, including monetary convergence and the European Monetary Union, (x) changes in the policies of central banks and/or foreign governments, (xi) the impact of the acquisition of Dresdner Bank, including related integration issues, and (xii) general competitive factors, in each case on a local regional, national and/or global basis. The matters discussed in this release may also involve risks and uncertainties described from time to time in Allianz AG’s filing with the U.S. Securities and Exchange Commission. Allianz AG assumes no obligation to update any forward-looking information contained in this release.