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All forms of investments involve a degree of risk. Kraft Finans emphasizes that investments in Kraft Fondene will always carry uncertainty regarding future returns. The change in value can be substantial, minimal, absent, or negative, and in extreme cases, almost worthless. Historical returns are not a guarantee of future performance. Returns depend, among other things, on the overall development of the securities market, the fund's risk profile, the fund's costs, and the manager's general success in selecting investments for the portfolio. The management of Kraft Fondene will be carried out to the best of their ability, and the information in this document is prepared accordingly, but it should not be understood as providing any guarantees or promises of future returns. For additional information, please refer to Kraft Fondene's product information available at kraftfondene.no and Kraft Finans' general business terms available at kraftfinans.no.