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https://www.lgim.com/asia/en/
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Text Content

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* Asia
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ACTIVE OWNERSHIP

How we engaged globally to deliver positive change in 2023

Read the latest report Read the latest report

Read more View - Read more

CIO SPRING UPDATE: STRESS TEST

We examine what central bankers’ perilous balancing act means for the world
economy, asset classes and a variety of investment capabilities.

Learn more View - Learn more

EMAIL PREFERENCE CENTRE

Our new email preference centre allows you to choose which email updates you
receive based on your interests. Subscribe and update your email preferences
here.

Subscribe Subscribe

LGIM BLOG

Our latest on markets, investment strategy and long-term themes.

Discover the LGIM Blog Discover the LGIM Blog

CAPABILITIES

We offer a broad range of investment solutions across public and private assets.

Explore our capabilities Explore our capabilities

RESPONSIBLE INVESTING

Visit our site for responsible investing, which hosts a range of educational and
thought-provoking articles, blogs and videos as well as a wealth of information
on investment stewardship activity.

Learn more on Responsible investing Learn more on Responsible investing

INVESTMENT STEWARDSHIP

Learn more about our active ownership and engagement, with investment
capabilities that enhance long-term value.

Investment stewardship explained Investment stewardship explained

KEY RISKS

The value of an investment and any income taken from it is not guaranteed and
can go down as well as up, you may not get back the amount you originally
invested. Past performance is no guarantee of future results.

Whilst LGIM has integrated Environmental, Social, and Governance (ESG)
considerations into its investment decision-making and stewardship practices,
this does not guarantee the achievement of responsible investing goals within
funds that do not include specific ESG goals within their objectives.

SCAM WARNING

LGIM has been made aware of unaffiliated parties claiming to represent “Legal &
General Investment Management Limited” or “Legal & General Resources Limited” in
offering investment products and services in the Southeast Asia region. These
parties may communicate to local residents via email or telephone, or through
personal contact.

Please be aware that neither LGIM nor any subsidiary companies of Legal &
General Group Plc provide services directly to retail or individual investors in
the Southeast Asia region. If you have been approached by any individuals
claiming to represent LGIM, or any subsidiary companies of Legal & General Group
Plc, in respect of the provision of any investment services for individual
investors, please contact LGIM immediately. Please also contact the relevant
local authorities immediately if you believe you may have been a victim of such
scams.

USEFUL LINKS

ABOUT LGIM

About usView - About us

Executive teamView - Executive team

Contact usView - Contact us

INSIGHTS

Our insightsView - Our insights

LGIM BlogView - LGIM Blog

PodcastView - Podcast

EventsView - Events

RESPONSIBLE INVESTING

Responsible investingView - Responsible investing

* Accessibility
* Cookie policy
* Privacy policy
* Modern Slavery Statement
* Sitemap
* Email preference centre
* Group website

This website is for professional / institutional investors only.

The term “LGIM” or “we” refers to Legal & General Investment Management
(Holdings) Limited and its subsidiaries. Legal & General Investment Management
Asia Limited is a subsidiary of Legal & General Investment Management (Holdings)
Limited.

This website has not been reviewed by the Securities and Futures Commission of
Hong Kong. The issuer of this website is Legal & General Investment Management
Asia Limited.

LGIM accepts no responsibility for the content of any email communication or a
website to which a hypertext link from this site exists. The links are provided
'as is' with no warranty, express or implied.

CHANGE COUNTRY OR REGION

EUROPE

* Austria
* Belgium
* Denmark
* Finland
* France
* Germany
* Ireland
* Italy
* Luxembourg
* Netherlands
* Norway
* Spain
* Sweden
* Switzerland
* United Kingdom

NORTH AMERICA

* America

MIDDLE EAST

* Middle East

ASIA

* Asia
* Japan

Close country selector

* Asia
* Select a country or region

You are about to enter the Asian website. If you would like to change location
please click the ‘Change country or region’ tab above.

Please read the Terms and Conditions below before proceeding to our website.

These Terms and Conditions (defined below) set out the terms on which you may
make use of our website (the "Site"). For the avoidance of doubt, "use" of the
Site includes, without limitation, accessing, browsing, linking to, posting
material on or registering to use our Site.

Use of this Site is offered to you on condition of your acceptance, without
modification, of the Terms and Conditions (defined below). By using the Site,
you confirm that you agree to be bound by these terms and conditions and any
additional terms which are set out on the Site including, but not limited to,
the Privacy Policy and Cookie Policy as amended by us from time to time
(collectively, the "Terms and Conditions").

If you do not accept the Terms and Conditions, then please do not use the Site.

The content of the Site is for information purposes only and does not constitute
a sample of units or shares in investment funds.

We may amend the Terms and Conditions, without notice, at any time. Please check
this page from time to time to take notice of any changes, as any use of the
Site after such amendments have been made shall be treated as signifying your
acceptance of the applicable Terms and Conditions at the time you access the
Site.

INFORMATION ABOUT US

Throughout the Terms and Conditions, unless expressly stated otherwise,
references to "Legal & General", "We" or "Us" shall mean all of the companies
mentioned below. The following companies are all authorised and regulated by the
Financial Conduct Authority and have their registered office at One Coleman
Street, London EC2R 5AA:

* Legal & General Investment Management Limited ("LGIM"), a company
incorporated in England & Wales (Registered No. 2091894) and entered on the
Financial Services Register number 119272.LGIM Real Assets (Operator)
Limited, a company incorporated in England & Wales (Registered Number
05522016) and entered on the Financial Services Register number 447041.
* Legal & General (Unit Trust Managers) Limited, a company incorporated in
England & Wales (Registered Number 01009418) and entered on the Financial
Services Register number 1119273.
* Legal & General Property Limited, a company incorporated in England and Wales
(Registered Number 02091897) and entered on the Financial Services Register
number 313282. Please note that while Legal & General Property Limited is
regulated by the Financial Conduct Authority, we may conduct certain
activities that are unregulated.

The following company is authorised by the Prudential Regulation Authority and
regulated by the Financial Conduct Authority and the Prudential Regulation
Authority:

* Legal and General Assurance (Pensions Management) Limited ("PMC"), a company
incorporated in England & Wales (Registered No. 01006112) and entered on the
Financial Services Register number 202202.

Each of these companies is entered on the Financial Services Register which you
can verify by visiting the Financial Conduct Authority’s website
http://www.fca.org.uk or by contacting the Financial Conduct Authority on 0800
111 6768.

The following company is authorised and regulated by the Central Bank of
Ireland:

* LGIM Managers (Europe) Limited, authorised by the Central Bank of Ireland as
a UCITS management company (pursuant to European Communities (Undertakings
for Collective Investment in Transferable Securities) Regulations, 2011 (S.I.
No. 352 of 2011), as amended) and as an alternative investment fund manager
with “top up” permissions which enable the firm to carry out certain
additional MiFID investment services (pursuant to the European Union
(Alternative Investment Fund Managers) Regulations 2013 (S.I. No. 257 of
2013), as amended). Registered in Ireland with the Companies Registration
Office (No. 609677). Registered Office: 70 Sir John Rogerson’s Quay, Dublin,
2, Ireland. Regulated by the Central Bank of Ireland (No. C173733).
* LGIM Managers (Europe) Limited operates a branch network in the European
Economic Area, which is subject to supervision by the Central Bank of
Ireland. In Italy, the branch office of LGIM Managers (Europe) Limited is
subject to limited supervision by the Commissione Nazionale per le società e
la Borsa (“CONSOB”) and is registered with Banca d’Italia (no. 23978.0) with
registered office at Piazza della Repubblica 3, Milano 20121, (Companies’
Register no. MI - 2557936). In Germany, the branch office of LGIM Managers
(Europe) Limited is subject to limited supervision by the German Federal
Financial Supervisory Authority (“BaFin”). In the Netherlands, the branch
office of LGIM Managers (Europe) Limited is subject to limited supervision by
the Dutch Authority for the Financial Markets (“AFM“) and it is included in
the register held by the AFM and registered with the trade register of the
Chamber of Commerce under number 74481231. In Sweden, the branch office of
LGIM Managers (Europe) Limited is subject to limited supervision by the
Swedish Financial Supervisory Authority (“SFSA”).

Details about the extent of our authorisation and regulation are available from
us upon request.

The company can be verified by visiting the Central Bank of Ireland’s website
www.centralbank.ie The ultimate holding company of all of the above companies is
Legal & General Group plc, a company incorporated in England & Wales (Registered
No 01417162).

In the United Kingdom and outside the European Economic Area, this Site is
issued by Legal & General Investment Management Limited. In the European
Economic Area, this Site is issued by LGIM Managers (Europe) Limited.

INTENDED AUDIENCE AND USE OF INFORMATION

This Site is not intended for use by all persons in all geographic locations.

If you are a retail client who accesses this Site via your advisor, then we are
not providing you with financial services under these Terms and Conditions. If
you need any more information on the financial services provided to you, please
contact your advisor. You will access this Site only for reasons agreed with
your advisor and use the Site in an appropriate way, without misusing or abusing
any of the content available.

You are not authorised to copy, distribute or otherwise make use of any logo,
trademark, copyright material or other intellectual property of Legal & General
which appears on the Site, except as expressly permitted in the Terms and
Conditions.

The contents of this Site are provided for general information only and do not
constitute advice of any kind (including investment, tax or legal) on which you
should rely, or a recommendation to buy or sell any product, service or
investment.

These Terms and Conditions are in addition to any terms of business which you
may have in place with Legal & General as a direct customer ("Direct Terms") and
in the event of any conflict between these Terms and Conditions and any Direct
Terms, the terms and conditions of the Direct Terms will prevail.

Please note that any services or products offered by Legal & General will be
subject to their own terms and conditions, which you must also read.

The services or products referred to or mentioned on this Site are not available
to persons in any jurisdiction where Legal & General is not registered or
authorised to engage in any investment business or activity requiring
registration or authorisation ("Unauthorised Jurisdiction"). Use of this Site in
an Unauthorised Jurisdiction is entirely at your own risk. You should seek
advice on your position from your professional advisers.

In particular, this Site and its contents are not directed at any person that is
resident in the United States ("US person"), and no offer or invitation is made
to any US person to acquire or sell any service, product or security referred
to. The provision of any information in this Site does not constitute an offer
to US persons to purchase securities.

If you choose to access information on this Site, it is your responsibility to
comply with applicable local, national or international laws. Specific
variations to these Terms and Conditions apply to each jurisdiction in which
Legal & General is authorised or registered to engage in investment business or
activities, and these variations can be found below. You must comply with these
Terms and Conditions, as varied by the applicable terms below, in relation to
the jurisdiction in which you are accessing and using the Site.

PROFESSIONAL INVESTMENT ADVISER AND INVESTMENT RISK

You should consult a professional adviser on your particular financial
circumstances before taking, or refraining from taking, any action on the basis
of the content of our Site, and you should not rely on the material on this
Site. Before making an investment, you should read the appropriate fund
prospectus (if applicable) or other terms and conditions as may be appropriate
and raise any questions you have on this documentation with your professional
adviser.

All investments involve a degree of risk. In particular note:

* Past performance is not a guide to future performance;
* The value of investments and the income from them may go down as well as up
and you may not get back the amount invested; and
* Where the investment has exposure to overseas assets, changes in exchange
rates between currencies may cause the value of the investment and the level
of income to rise and fall.

DISCLAIMER AND LIABILITY

This Site is provided "as is" and “as available” and no representations or
warranties are given with respect to this Site or its contents (including
without limitation warranties of merchantability and fitness for a particular
purpose). In addition, Legal & General does not represent or warrant that the
information accessible from or via the Site is accurate, complete or current.

To the fullest extent permitted by law, we exclude all conditions, warranties,
representations or other terms which may apply to our Site or any content on it,
whether express or implied. Your use of the Site and any of its content or
features is at your own risk.

In no event shall Legal & General be responsible for any loss or damage of
whatever kind arising out of access to or use of or reliance on any information
posted on the Site or any information contained in or accessed through the Site.

Legal & General excludes all liability for any loss or damage and whether in
tort (including without limitation negligence), contract or otherwise in
connection with:

1. your use of, inability to use, or the results of use of the Site;
2. your use of or reliance on any content displayed on our Site;

* any websites linked to the Site or the material on such websites; and

1. any failure or performance error, omission, interruption, defect, delay in
operation or transmission, system failure, unavailability or suspension of
the Site, virus, distributed denial-of-service attack or other
technologically harmful material that may infect your computer equipment,
software, data or other proprietary material on account of your use of the
Site or your downloading of any material from the Site or any websites
linked to the Site, including, without limitation, loss of profits, loss of
income, loss of anticipated savings, loss of revenues, loss of data, loss of
goodwill or loss of contracts or business (in each case whether direct or
indirect) or for any indirect, economic, consequential or special loss
resulting from whatever cause.

Nothing in the Terms and Conditions shall exclude or limit Legal & General's
liability for death or personal injury arising from our negligence, for fraud or
fraudulent misrepresentation or for any other liability to the extent that such
liability cannot be limited and/or excluded by applicable law.

ACCESSING OUR SITE

Our Site is made available free of charge.

We do not guarantee that our Site, or any content on it, will always be
available or be uninterrupted. Access to our Site is permitted on a temporary
basis. We may suspend, withdraw, discontinue or change all or any part of our
Site without notice. We will not be liable to you if for any reason our Site is
unavailable at any time or for any period. You are responsible for making all
arrangements necessary for you to have access to our Site.

You are also responsible for ensuring that all persons who access our Site
through your internet connection are aware of the Terms and Conditions, and that
they comply with them.

The hosted service provider is L&G Resources Limited, One Coleman Street,
London, EC2R 5AA, telephone number: 0345 678 0020.

CHANGES TO CONTENT OF THE SITE

Legal & General reserves the right in its absolute discretion at any time and
without notice to update, remove, amend or vary any of the content which appears
on any page of this Site. However, please note that any of the content on our
Site may be out of date at any given time, and we are under no obligation to
update it.

USING AND SHARING OUR CONTENT
You may:

1. view our Site for your personal use on any device that is compatible
(including a PC, laptop, smartphone, tablet or other mobile device);
2. print off one copy and download extracts of any page(s) from our Site solely
for your own personal use;

* draw the attention of others within your organisation to content posted on
our Site; and

1. share links to specific content or information on our Site by using any
sharing tools we make available.

If you wish to share the content of our Site with others, we are happy for you
to do the following, provided you comply with the terms set out in this section:

1. publish online, the original headline and a link to the article and the
first 100 words of an article ("Article Summary");
2. forward the original headlines, links and an Article Summary to other
individuals.

Other than in accordance with the paragraph above and unless stated on our Site
or as indicated by a social sharing icon, you are not permitted to publish,
re-transmit, re-distribute or otherwise re-produce any of the content which
appears on any page of this Site in any format to anyone else, and you are
prohibited from using any such content from the Site in connection with any
business or commercial enterprise without obtaining a licence to do so from us
or our licensors.

If you wish to re-produce in full any article on the Site, you should contact us
directly for authorisation and if granted, we will require you to include an
attribution to us when re-producing that article.

Further, you must not modify the paper or digital copies of any materials you
have printed off or downloaded in any way, and you must not use any
illustrations, photographs, video or audio sequences or any graphics separately
from any accompanying text.

If you fail to comply with the paragraph above, we reserve the right to
immediately terminate your right to link to our Site and to share the content of
our Site, your right to use our Site will cease immediately and you must, at our
option, return or destroy any copies of the materials you have made.

LINKING AND POSTING MATERIAL TO OUR SITE

You may link to, or post material to this Site, provided that you do not:

1. in any manner to imply that Legal & General is endorsing your investment
strategies or policies or any statement made by you; or
2. post or transmit material that is libelous, defamatory, obscene, fraudulent,
misleading, harmful, that violates the property rights of others (including
without limitation infringing use of any third party's intellectual property
rights), that violates the privacy of others, or that is in violation of any
applicable laws.

If you post material to our Site, we reserve the right to make editorial
adjustments before publishing and reserve the right to remove or block any
comments or materials posted to the Site which:

1. contain profanity or other language likely to cause offence;
2. break the law or condone or encourage unlawful activity (including, without
limitation, breach of any intellectual property right, defamation and
contempt of court);

* are seen to impersonate or falsely claim to be, someone else or represent an
organisation;

1. repeatedly post the same or similar messages, i.e. spamming;
2. are unrelated to the topic the message is posted under;
3. include contact details such as phone numbers, postal or email addresses;

* constitute advertising of products and / or services;
* contain links to websites deemed to be unsuitable by us; and/or

1. we do not feel are otherwise suitable or appropriate for the Site.

THIRD PARTY LINKS AND RESOURCE IN OUR SITE

The Site may contain links to third party websites and/or the content of third
parties ("Third Party Content"). The Third Party Content has been made available
solely for your convenience or information. The Third Party Content should not
be interpreted as an endorsement by us and we have no control over such Third
Party Content. Accordingly, Legal & General makes no representation, warranty or
guarantee with respect to the Third Party Content whatsoever (including, as to
its accuracy, completeness, suitability or reliability). If you access or use
the Third Party Content, you do so entirely at your own risk. To the extent
permitted by law, Legal & General excludes any liability arising from any use or
reliance by you on the Third Party Content.

SECURITY

We do not guarantee that our Site will be secure or free from bugs, viruses or
other malicious code.

You are responsible for configuring your information technology, computer
programs and platforms in order to access our Site. You should use your own
virus protection software.

You must not:

* misuse our Site by knowingly introducing viruses, trojans, worms, logic bombs
or other material which is malicious or technologically harmful;
* attempt to gain unauthorised access to our Site, the server on which our Site
is stored or any server, computer or database connected to our Site; or
* attack our Site via a denial-of-service attack or a distributed denial-of
service attack.

We will report any breach of this section to the relevant law enforcement
authorities and we will co-operate with those authorities by disclosing your
identity to them. In the event of such a breach, your right to use our Site will
cease immediately.

INTELLECTUAL PROPERTY

Legal & General is the owner or licensee of all copyrights and other
intellectual property rights in the Site and all material published on this
Site. Those works are protected by copyright laws and other intellectual
property laws and treaties around the world. All such rights are reserved to
Legal & General and its third party licensors.

All trade marks, service marks, company names or logos are the property of their
respective rights-holders and no permission is given by Legal & General in
respect of the use by you of any such trademarks, service marks, company names
and logos and any such use may constitute an infringement of the rights-holders’
intellectual property rights.

All copyright in any indices values and constituents lists which may be
published on the Site, from time to time, may belong to a third party licensor.
Where such indices feature on the Site, Legal & General has obtained full
license from the relevant licensor to use such copyright in the creation of the
contents of the Site.

PRIVACY AND COOKIES

Legal & General is committed to protecting your privacy and keeping your
personal information secure. Any personal information you supply to Legal &
General via this Site will be treated in accordance with the data protection
legislation relevant to your jurisdiction. When you use our Site, you consent to
Legal & General collecting and using your personal data in the manner described
in our Privacy Policy and Cookie Policy.

INVALIDITY

If any part of our Terms and Conditions is determined to be illegal, invalid or
otherwise unenforceable (including, without limitation, any provisions in which
we exclude or limit our liability to you), then to the extent of such
illegality, invalidity or unenforceability, such terms or conditions shall be
deleted and severed from the Terms and Conditions and the enforceability of the
remaining Terms and Conditions will survive in full force and effect.

COMMUNICATIONS

Applicable laws may require that certain information or communications be in
writing. When using the Site, you accept and agree that communication with Legal
& General may be electronic. Legal & General may contact you by email or provide
you with information by posting notices on this Site. This does not impact your
marketing communication preferences. For any contractual purposes, you agree to
electronic means of communication and you acknowledge that all contracts,
notices, information and other communications that Legal & General sent to you
electronically comply with any legal requirements that such communication be in
writing. This provision does not affect your statutory rights.

TELEPHONE RECORDING

As required under and/or in accordance with applicable laws, Legal & General
will record all telephone and electronic communications and conversations with
you that result or may result in the undertaking of transactions in financial
instruments on your behalf. Such records will be kept for a period of five years
(or up to seven years upon request from the Financial Conduct Authority and/ or
the Central Bank of Ireland (or such successor from time to time) or up to ten
years to comply with Swiss law) and will be provided to you upon request.

WAIVER

If Legal & General fails at any time to insist upon strict performance of any of
your obligations under the Terms and Conditions, or if Legal & General fails to
exercise any of its rights or remedies to which Legal & General is entitled
under these Terms and Conditions, this shall not constitute a waiver of such
rights or remedies and shall not relieve you from compliance with such
obligations.

ENTIRE AGREEMENT

The Terms and Conditions set out the whole agreement between you and Legal &
General in relation to the use of the Site. Each party acknowledges that in
entering into the Terms and Conditions it does not do so on the basis of or in
reliance upon any representations, or promises undertakings, warranties or other
statements (whether written or oral) of any nature whatsoever except as may be
expressly provided in these Terms and Conditions.

LAW AND JURISDICTION

The Terms and Conditions and any dispute or claim arising out of or in
connection with them or their subject matter or formation (including
non-contractual disputes or claims) shall be governed by and construed in
accordance with the laws in the applicable jurisdiction.

The parties irrevocably agree that the courts in the applicable jurisdiction
shall have exclusive jurisdiction to settle any dispute or claim that arises out
of or in connection with the Terms and Conditions or their subject matter or
formation (including non-contractual disputes or claims).

LANGUAGE

This agreement is drafted in the English language. If this agreement is
translated into any other language, the English

language text shall prevail.

CONTACTING US

Questions, comments and requests are welcomed and should be sent to Web
Marketing: Email us

In addition to the terms and conditions above, the following terms apply to the
jurisdictions listed above them.

ABU DHABI GLOBAL MARKET, UNITED ARAB EMIRATES

The content provided on this Site is for information purposes only. None of the
information, opinion, reports, prospectus or other documents contained or made
available on this Site shall be construed as an offer, invitation, solicitation,
advice or a recommendation for subscription or purchase by Legal & General to
acquire or sell any products or securities referred to in this Site.

The "Telephone Recording" paragraph shall be deleted and replaced with "Legal &
General will record all telephone and electronic communications and
conversations with you that result or may result in the undertaking of
transactions in financial instruments on your behalf. Such records will be kept
for a period of five years (or such other period as is required by a relevant
regulator or applicable law) and will be provided to you upon request."

We are not licensed or authorised to carry on any regulated activity (as defined
by the Financial Services Regulatory Authority) in the Abu Dhabi Global Market.

In the "Law and Jurisdiction" section, the words "applicable jurisdiction" shall
be deleted and replaced with "Abu Dhabi Global Market."

AUSTRALIA

To the extent that any services or products on this Site are not used for
personal, domestic or household use, then, subject to section 64A of the
Australian Consumer Law (Schedule 2 of the Competition and Consumer Act 2010
(Cth)) and section 12EC of the Australian Securities and Investment Commission
Act 2001 (Cth), which is not otherwise disclaimed or limited under these Terms
and Conditions is restricted to:-

1. for goods, replacement or repair or the cost of replacement or repair; or
2. for services, re-supply or the cost of re-supplying the services.

Under the Privacy Act 1988, an investor or any person may request access to the
personal information (if any) we or you hold about them.

In the "Law and Jurisdiction" section, the words "in the applicable
jurisdiction" shall be deleted and replaced with "in force in the state of New
South Wales, Australia."

AUSTRIA

LGIM Managers (Europe) Limited ("LGIM Europe") is registered with the Austrian
Financial Market Authority ("FMA") to provide cross-border investment services
in Austria in accordance with article 34 Directive 2014/65/EU (at the time of
notification: Article 31 Directive 2004/39/EC).

Registered Address of LGIM Europe is:

70 Sir John Rogerson’s Quay, Dublin 2, Ireland

LGIM Europe is registered with Companies Registration Office under 609677.

Supervisory Authority: Central Bank of Ireland

VAT Identification Number: IE 3544433VH

You can contact LGIM Europe, as follows:

T: + 44 02031243000

E: webmarketing@lgim.com

The third paragraph ("The contents of this Site...") shall be amended with the
following sentence:

Nothing contained herein must be considered as financial analysis nor shall
contents of this Site or part of it form the basis of, or be relied on, in
connection with any contract or commitment whatsoever.

In the "Disclaimer and Liability" section the last paragraph shall be amended as
follows:

Nothing in the Terms and Conditions shall exclude or limit Legal & General's
liability for death or personal injury arising from our negligence, for fraud or
fraudulent misrepresentation, or blatant gross negligence [krass grobe
Fahrlässigkeit] or for any other liability to the extent that such liability
cannot be limited and/or excluded by applicable law.

The wording in section "Telephone Recording" shall be read as follows:

"As required under applicable laws, LGIM Europe will record all telephone and
electronic communications and conversations with you that result or may result
in the execution of transactions in financial instruments on your behalf. LGIM
will, however, prior to such recording inform you about it and your data
protection rights. Pursuant to art 16 para 7 Directive 2014/65/EU and the
applicable laws of England and Wales (implementing Directive 2014/65/EU) such
records will be kept for a period of five years (or up to seven years upon
request from the Financial Conduct authority (or such successor from time to
time)) and will be provided to you upon request.

In the "Law and Jurisdiction" section, the words "in applicable jurisdiction"
shall be deleted and replaced with "substantive Austrian law under the exclusion
of its conflict of laws rules and the United Nations Convention on Contracts for
the International Sale of Goods".

BAHRAIN

This Site and any material or information published thereon has not been
approved by the Central Bank of Bahrain which takes no responsibility for its
contents. No offer to the public to purchase any financial products or services
will be made in the Kingdom of Bahrain and this Site must not be made accessible
to or shown to the public generally in Bahrain. The content provided on this
Site is for information purposes only. None of the information, opinion,
reports, or other documents contained or made available on this Site shall be
construed as an offer, invitation, solicitation, advice or a recommendation for
subscription or purchase by Legal & General to acquire or sell any products or
services.

We are not licensed or authorised to carry on any regulated activity in the
Kingdom of Bahrain.

If you do not understand the contents of this Site, you should consult an
authorised financial advisor.

In the "Law and Jurisdiction" section, the words "in the applicable
jurisdiction" shall be deleted and replaced with "of England and Wales."

BELGIUM

LGIM Managers (Europe) Limited has passported its MiFID top up permissions to
Belgium on the basis of free provision of services with the Belgian Financial
Services and Markets Authority (the “FSMA”). In particular, it is allowed to
provide the following services and activities on a cross border basis in
Belgium:

* reception and transmission of orders in relation to one or more financial
instruments;
* portfolio management; and
* investment advice.

In the "Law and Jurisdiction" section, the words "in the applicable
jurisdiction" shall be deleted and replaced with "of Belgium."

BRUNEI

The Site and its contents are not directed at any person that is resident in
Brunei Darussalam (“Brunei Person”), and no offer is made to any Brunei Person
to provide or acquire or sell any investment business service, product or
security.

The provision of any information in this Site is for general information only
and it does not constitute a recommendation, an offer or invitation to offer to
Brunei Person to invest or purchase securities.

CHINA

In the "Law and Jurisdiction" section, the words "in the applicable
jurisdiction" shall in each case be deleted and

replaced with "of England and Wales."

By providing personal information in the course of your use of the Site, you
expressly consent to the transfer of that information overseas in accordance
with the terms of the Privacy Policy.

DENMARK

LGIM Managers (Europe) Limited is registered with the Danish Financial
Supervisory Authority to provide cross-border investments services in Denmark in
accordance with Article 31 in MiFID-Directive and Danish legislation. In the
"Law and Jurisdiction" section, the words "in the applicable jurisdiction" shall
be deleted and replaced with "of Denmark”.

DUBAI INTERNATIONAL FINANCIAL CENTRE, UNITED ARAB EMIRATES

Neither the Dubai International Financial Centre Authority (“DIFCA”) nor the
DFSA has any responsibility for reviewing or verifying this Site or information
published thereon. Accordingly, neither the DIFCA nor the DFSA has approved this
Site or taken any steps to verify the information set out on this Site and has
no responsibility for it.The "Telephone Recording" paragraph shall be deleted
and replaced with "Legal & General will record all telephone and electronic
communications and conversations with you that result or may result in the
undertaking of transactions in financial instruments on your behalf. Such
records will be kept for a period of five years (or such other period as is
required by a relevant regulator or applicable law) and will be provided to you
upon request."

We are not licensed or authorised to carry on any regulated activity (as defined
by the DFSA) in the Dubai International Financial Centre.

If you do not understand the contents of this Site, you should consult an
authorised financial advisor.

In the "Law and Jurisdiction" section, the words "applicable jurisdiction" shall
be deleted and replaced with "Dubai International Financial Centre."

EGYPT

This Site is intended for the use of qualified investors only. It is not
intended for use by individuals.

We are not licensed or authorised to carry on any regulated activity in the Arab
Republic of Egypt.

In the "Law and Jurisdiction" section, the words "in the applicable
jurisdiction" shall be deleted and replaced with "of England and Wales."

FINLAND

In the "Information About Us" section, the following shall be inserted at the
end of such section:

"Of the entities listed above as being authorised and regulated by the Financial
Conduct Authority, the Prudential Regulation Authority and/or the Central Bank
of Ireland, the following have been notified to the Finnish Financial
Supervisory Authority and may provide services into Finland:

* Legal & General Investment Management Limited

Of the entities listed above as being authorised and regulated by the Financial
Conduct Authority, the following have not been notified to the Finnish Financial
Supervisory Authority and do not offer services into Finland:

* LGIM Managers (Europe) Limited
* Legal and General Assurance (Pensions Management) Limited

In the "Using and Sharing Our Content" section, the following shall be inserted
at the end of such section: "This provision does not affect your statutory
rights."

In the "Privacy and Cookies" section, the following shall be inserted at the end
of such section: "You have the right to withdraw your consent at any time, but
you may thereafter not make any further use of the Site."

In the "Law and Jurisdiction" section, the words "in the applicable
jurisdiction" shall be deleted and replaced with "of England and Wales".

FRANCE

All copyright in the indices values and constituents lists which may be
published on the Site, from time to time, may belong to a third party licensor
including, without limitation, FTSE International Limited ("FTSE"). Legal &
General has obtained full license from the relevant licensor to use such
copyright in the creation of the contents of the Site.

The FTSE indices used within the Site are calculated by FTSE. FTSE does not
sponsor, endorse or promote any Legal & General funds.

"FTSE®", "FT-SE®"; and "Footsie®" are trade marks of the London Stock Exchange
Plc and The Financial Times Limited and are used by FTSE under license.
"All-Share®", "All-World®" and "FTSE4Good®" are the trade marks of FTSE.

In the "Law and Jurisdiction" section, the words "in the applicable
jurisdiction" shall be deleted and replaced with "of France".

In the "Information About Us" section the following shall be inserted; LGIM
Managers (Europe) Limited ("LGIM Europe") authorised by the Central Bank of
Ireland as a UCITS management company (pursuant to European Communities
(Undertakings for Collective Investment in Transferable Securities) Regulations,
2011 (S.I. No. 352 of 2011), as amended) and as an alternative investment fund
manager with “top up” permissions which enable the firm to carry out certain
additional MiFID investment services (pursuant to the European Union
(Alternative Investment Fund Managers) Regulations 2013 (S.I. No. 257 of 2013),
as amended). Registered in Ireland as a private company limited by shares with
the Companies Registration Office (No. 609677). Registered Office: 70 Sir John
Rogerson’s Quay, Dublin, 2, Ireland. Regulated by the Central Bank of Ireland
(No. C173733) VAT number: IE 3544433VH.

The publication manager is Paul Sweeney, General Counsel. Please direct any
queries to: One Coleman Street, London, EC2R 5AA or IB Distribution email.

LGIM Europe is authorized to carry out business in France under a cross-border
services passport into France."

In the section "Linking and Posting Material to our Site" the following words
shall be inserted; "You shall hold us harmless from any and all claims,
injuries, damages, losses or suits including attorney fees, arising out of or in
connection with any link and material that you post to this Site."

GERMANY

In the "Information About Us" section, the following wording is inserted;

The Site is operated by LGIM Europe. LGIM Managers (Europe) Limited, authorised
by the Central Bank of Ireland as a UCITS management company (pursuant to
European Communities (Undertakings for Collective Investment in Transferable
Securities) Regulations, 2011 (S.I. No. 352 of 2011), as amended) and as an
alternative investment fund manager with “top up” permissions which enable the
firm to carry out certain additional MiFID investment services (pursuant to the
European Union (Alternative Investment Fund Managers) Regulations 2013 (S.I. No.
257 of 2013), as amended). Registered in Ireland as a private company limited by
shares with the Companies Registration Office (No. 609677). Registered Office:
70 Sir John Rogerson’s Quay, Dublin, 2, Ireland. Regulated by the Central Bank
of Ireland, N Wall Quay, North Dock, Dublin, D01 F7X3, Ireland (No. C173733).
VAT number: IE 3544433VH.

In Germany, the branch office of LGIM Managers (Europe) Limited is at Office
405. Senckenberganlage 10-12, D-60325 Frankfurt am Main, Germany and is subject
to limited supervision by the German Federal Financial Supervisory Authority
(“BaFin”).

LGIM Europe is represented by: Notices for the attention of: LGIM General
Counsel, LGIM Legal, One Coleman Street, London, EC2R 5AA

You can contact LGIM, as follows: Email Web Marketing or + 44 02031243000.
LGIM's monitoring authority is: Central Bank of Ireland

The person responsible for editorial content (sec. 55 (2) rstv) is: LGIM
Marketing, One Coleman Street, London, EC2R 5AA, IB Distribution email

In the "Disclaimer and Liability" section the following wording is inserted;
"LGIM shall also be liable for any damage in the case of a culpable violation of
a material contractual duty or cardinal duty; however, in the event of a
violation of a material contractual duty or cardinal duty based on simple
negligence, the liability of LGIM shall be limited to the typically foreseeable
damage. A “cardinal duty” in the sense of this provision shall be a duty of LGIM
whose fulfilment enables the proper performance of the agreement, whose
infringement jeopardizes achieving the purpose of the agreement and in whose
compliance you may normally trust. Any further-reaching liability on part of
LGIM shall be excluded."

In the "Law and Jurisdiction" section, the words "in the applicable
jurisdiction" shall be deleted and replaced with "German law".

HONG KONG

References to "Legal & General", "We" or "Us" in the Terms and Conditions shall
also include Legal & General Investment Management Asia Limited (“LGIM Asia
Ltd”), a Licensed Corporation (CE Number: BBB488) regulated by the Hong Kong
Securities and Futures Commission ("SFC") to conduct regulated activities of
dealing in securities and asset management in Hong Kong. The registered address
of LGIM Asia Ltd is Room 902, 9/F, Chinachem Tower, 34-37 Connaught Road,
Central, Hong Kong.

The Site has not been reviewed by the SFC By accepting using the Site, you
acknowledge and agree that the Site is provided for your use only and that you
will not distribute or otherwise make this material available (except as
specified in the Terms and Conditions).

In the "Law and Jurisdiction" section, the words "in the applicable
jurisdiction" shall be deleted and replaced with "of the Hong Kong Special
Administrative Region of the People's Republic of China."

In our Privacy Policy, under the "Information we collect" section, the following
additional terms apply: We intend to use your personal data in direct marketing
and may not do so without your consent.

Any promotional emails that we may periodically send about new products, special
offers or other information that we think you may find interesting shall relate
to the investment products and/or services offered by Legal & General.

Your personal data may be transferred outside of Hong Kong and/or to a Legal &
General group company for the reasons set out in this section.

INDONESIA

You represent and warrant that you are entitled to enter into a binding
agreement under the laws of the Republic of Indonesia, in particular to the
Terms and Conditions, and that you are at least 21 years old or are married and
not under guardianship.

Please be informed that Otoritas Jasa Keuangan (the Indonesian Financial Service
Authority) or Bank Indonesia does not declare its approval or disapproval of our
services and products offered nor do they guarantee the accuracy or adequacy of
its services and products, nor do they supervise the use of our products.
Therefore your use of our Site will be purely contractual relationship with us
as set out in these Terms and Conditions.

This Site or other related documents and information shall not be considered as
an offer to our services and products in investment sector; consequently such
documents and information shall not be considered an offer.

Some of the information on this Site may contain projections or other
forward-looking statements regarding future events or future financial
performance of countries, markets or companies. These statements are only
predictions and actual events or results may differ materially. You must make
your own assessment of the relevance, accuracy and adequacy of the information
contained in this Site and to make such independent investigations as you may
consider necessary or appropriate for the purpose of such assessment. Any
opinion or estimate contained in this Site is made on a general basis and is not
to be relied on by you as advice.

The collection and use of personal data under these Terms and Conditions have
been in compliance with the collection and use of personal data under the
prevailing laws and regulations in Indonesia.

For the use in Indonesia, these Terms and Conditions are drawn up in both the
English and the Indonesian languages, both of which versions are binding on you
and us. In the event of any inconsistency between the Indonesian language
version and the English language version, to the extent permitted by the
prevailing laws and regulations, the English language version will prevail.

IRELAND

LGIM Managers (Europe) Limited is authorised by the Central Bank of Ireland as a
UCITS management company (pursuant to European Communities (Undertakings for
Collective Investment in Transferable Securities) Regulations, 2011 (S.I. No.
352 of 2011), as amended) and as an alternative investment fund manager with
“top up” permissions which enable the firm to carry out certain additional MiFID
investment services (pursuant to the European Union (Alternative Investment Fund
Managers) Regulations 2013 (S.I. No. 257 of 2013), as amended). Registered in
Ireland with the Companies Registration Office (No. 609677). Registered Office:
70 Sir John Rogerson’s Quay, Dublin, 2, Ireland. Regulated by the Central Bank
of Ireland (No. C173733).

LGIM Managers (Europe) Limited operates a branch network in the European
Economic Area, which is subject to supervision by the Central Bank of Ireland.
In Italy, the branch office of LGIM Managers (Europe) Limited is subject to
limited supervision by the Commissione Nazionale per le società e la Borsa
(“CONSOB”) and is registered with Banca d’Italia (no. 23978.0) with registered
office at Piazza della Repubblica 3, Milano 20121, (Companies’ Register no. MI -
2557936). In Germany, the branch office of LGIM Managers (Europe) Limited is
subject to limited supervision by the German Federal Financial Supervisory
Authority (“BaFin”). In the Netherlands, the branch office of LGIM Managers
(Europe) Limited is subject to limited supervision by the Dutch Authority for
the Financial Markets (“AFM“) and it is included in the register held by the AFM
and registered with the trade register of the Chamber of Commerce under number
74481231.

Details about the extent of our authorisation and regulation are available from
us upon request. The company can be verified by visiting the Central Bank of
Ireland’s website www.centralbank.ie

ITALY

In the section “Information about us” the definition of “Legal & General” shall
include: “LGIM Managers (Europe) Limited, a company incorporated in Ireland
(Registered no. 609677) and authorised by the Central Bank of Ireland as a
management company pursuant to Directive 2009/65/EC and as an alternative
investment fund manager pursuant to Directive 2011/61/EU (Central Bank of
Ireland Register no. C173733), as well as its Italian branch, which is situated
at Piazza della Repubblica 3, Milano 20121 and is enrolled in the Registry of EU
Management Companies and Alternative Investment Funds Managers held by the Bank
of Italy pursuant to art. 35 of Legislative Decree no. 58/1998 under no. 23978”.

In the Section “Intended Audience and Use of Information”, the first paragraph
shall read as follows: “This Site is intended for the use of both professional
and retail clients.”

In addition, the term “professional clients” shall be intended to be referred to
Italian resident or domiciled legal entities falling within the definition of
“clienti professionali o investitori professionali” set out under Legislative
Decree no. 58/1998, as implemented by the Consob Issuers Regulation no.
11971/1999 and the Consob Intermediaries Regulation no. 20307/2018. The term
“retail clients” shall be intended to be referred to Italian resident falling
within the definition of “clienti al dettaglio o investitori al dettaglio” set
out under Legislative Decree no. 58/1998 as amended and implemented by Consob
Intermediaries Regulation no.20307/2018 and Consob Intermediaries Regulation no.
20307/2018.

In the “Professional Investment Adviser and Investment Risk” section, the first
paragraph shall read as follows: “You should consult a professional adviser on
your particular financial circumstances before taking, or refraining from
taking, any action on the basis of the content of our Site, and you should not
rely on the material on this Site. The funds, services and financial instruments
mentioned on this Site are not suitable for all investors. Before making an
investment, you should read the appropriate fund prospectus (if applicable) and
any other offering documents (e.g. fact sheets, KIID, periodical financial
reports, management rules or articles association, annual and half-yearly
reports etc.) or other terms and conditions as may be appropriate and raise any
questions you have on this documentation with your professional adviser. The
content of this document does not constitute an offer or a solicitation of an
offer for the subscription of any funds.”

In “Disclaimer and Liability” the following paragraph is added: “The
information, opinions, data, and documents contained or described in this Site
are solely for information purposes and should not be understood as a substitute
of the offering document of the fund or the document relating to the services.
Therefore, the information provided on this Site does not constitute a legal,
tax or financial opinion, a public offer, a personalized recommendation, or an
invitation to purchase or sell financial instruments or to carry out a
transaction or undertake a legal commitment. Some of the information and
documents available on this Site may be classified as “marketing communication”
pursuant to Regulation (EU) 2019/1156.”

The “Law and Jurisdiction” section shall read as follows: “The Terms and
Conditions and any dispute or claim arising out of or in connection with them or
their subject matter or formation (including non-contractual disputes or claims)
shall be governed by and construed in accordance with the laws of Italy”.

The parties irrevocably agree that the courts in Italy shall have exclusive
jurisdiction to settle any dispute or claim that arises out of or in connection
with the Terms and Conditions or their subject matter or formation (including
non-contractual disputes or claims).

JAPAN

The Site and its contents are not directed at any person that is resident in
Japan ("Japanese person"), and no offer or invitation is made to any Japanese
person to acquire or sell any service, product or security referred to. The
provision of any information in this Site does not constitute an offer to
Japanese persons to purchase securities.

In the "Intellectual Property" section the following shall be inserted; "If you
post material to the Site, we are deemed to be authorised to use such material
on the Site."

In the "Law and Jurisdiction" section, the words "in the applicable
jurisdiction" shall be deleted and replaced with "of England and Wales."

JORDAN

We are not licensed or authorised to carry on any regulated activity in the
Hashemite Kingdom of Jordan.

In the "Law and Jurisdiction" section, the words "in the applicable
jurisdiction" shall be deleted and replaced with "of England and Wales."

KINGDOM OF SAUDI ARABIA

This Site is intended for use only by such persons as are permitted under the
Investment Fund Regulations issued by the Saudi Capital Market Authority
(“CMA”). It is not intended for use by individuals.

The CMA does not make any representation as to the accuracy or completeness of
this Site, and expressly disclaims any liability whatsoever for any loss arising
from, or incurred in reliance upon, any part of this Site. Users of the Site
should conduct their own due diligence on the accuracy of the information
contained on the Site. If you do not understand the contents of this Site you
should consult an authorised financial adviser.

Interests in investment funds may only be offered and sold in the Kingdom of
Saudi Arabia in accordance with Article 94 of the Investment Funds Regulations
issued on December 24, 2006 (the “Regulations”). Article 94(a) of the
Regulations states that, if investment fund units are offered to sophisticated
investors, as specified in article 74(b) of the regulations, or the minimum
amount payable per offeree is not less than Saudi Riyals 1 million or an
equivalent amount in another currency, such offer of investment fund units shall
be deemed a private placement for the purposes of the Regulations. Investors are
informed that article 101 of the Regulations places restrictions on secondary
market activity with respect to such investment fund units.

By accessing the Site, the user acknowledges and agrees that this Site has not
been approved by the Capital Market Authority or any other authority in the
Kingdom of Saudi Arabia, nor has Legal & General or our affiliates received
authorisation from, or been licensed by, the Capital Market Authority or any
other authority in the Kingdom of Saudi Arabia.

In the "Law and Jurisdiction" section, the words "in the applicable
jurisdiction" shall be deleted and replaced with "of England and Wales."

KUWAIT

This Site should not be made available to the general public in Kuwait. It is
not intended for use by individuals.

We have not licensed any of our products or services for offering in Kuwait by
the Kuwait Capital Markets Authority or any other relevant Kuwaiti government
agency. The offering of interests in investment funds in Kuwait on the basis of
a private placement or public offering is, therefore, restricted in accordance
with Decree Law No. 31 of 1990 and the implementing regulations thereto (as
amended) and Law No. 7 of 2010 and the bylaws thereto (as amended).

No private or public offering of financial products or services is being made in
Kuwait, and no agreement relating to the sale of financial products or services
will be concluded in Kuwait. No marketing or solicitation or inducement
activities are being used to offer or market financial products or financial
services in Kuwait.

We are not licensed or authorised to carry on any regulated activity in the
State of Kuwait.

If you do not understand the contents of this Site, you should consult an
authorised financial advisor.

In the "Law and Jurisdiction" section, the words "in the applicable
jurisdiction" shall be deleted and replaced with "of England and Wales."

LEBANON

We are not licensed or authorised to carry on any regulated activity in the
Lebanese Republic.

In the "Law and Jurisdiction" section, the words "in the applicable
jurisdiction" shall be deleted and replaced with "of England and Wales."

LUXEMBOURG

In the "Law and Jurisdiction" section, the words “the laws in the applicable
jurisdiction” shall be construed as meaning

the Laws of Luxembourg.

MACAU

LGIM and the companies listed in the Section “Information About Us” are not
authorized by the Macau Monetary Authority to act as financial institutions
and/or provide financial services pursuant to the provisions of Decree-Law No.
32/93/M in the Macau Special Administrative Region of the People’s Republic of
China.

MALAYSIA

None of the information, opinion, reports, prospectus or other documents
contained or made available on this Site shall be construed as an offer for
subscription or purchase, or an invitation to subscribe for or purchase, or a
recommendation or solicitation by Legal & General to acquire or sell any
products or securities referred to in this Site.

By accepting the Terms and Conditions or otherwise using this Site, you confirm
and represent to us that you are a person who comes within one of the categories
of persons set out in Part 1 Schedule 6 and 7 of the Capital Markets and
Services Act 2007 of Malaysia, as amended from time to time (“CMSA”).

We are not licensed or authorised to carry on any regulated activity (as defined
in the CMSA) in Malaysia and none of the information or documents contained or
made available on this Site shall be construed as advice of any kind (including
financial, investment, tax or legal).

NETHERLANDS

In the Netherlands, the branch office of LGIM Managers (Europe) Limited is
located at 4th floor, Barbara Strozzilaan 101, 1083 HN Amsterdam and is subject
to limited supervision by the Dutch Authority for the Financial Markets (“AFM“)
and it is included in the register held by the AFM and registered with the trade
register of the Chamber of Commerce under number 74481231.In the "Law and
Jurisdiction" section, the words "in the applicable jurisdiction" shall be
deleted and replaced with "of England and Wales."

NEW ZEALAND

No use by you of the Site shall activate the provisions of any consumer
protection laws of New Zealand, including, without limitation, the Consumer
Guarantees Act 1993; the Fair Trading Act 1986; and the Credit Contracts and
Consumer Finance Act 2003, the operation of which you agree shall hereby be
excluded to the fullest extent permitted by law.”

In the "Law and Jurisdiction" section, the words "in the applicable
jurisdiction" shall be deleted and replaced with "of England and Wales."

The provision of any information in this Site does not constitute an offer of or
invitation to subscribe for any financial products to any person in New Zealand,
nor does it constitute a ‘regulated offer’ to retail investors within the
meaning of the FMCA. The Site is intended for use by persons who are 'wholesale
investors' within the meaning of the FMCA only. ‘Wholesale investors’ include:

* any persons who are required to pay a minimum upfront subscription amount of
at least NZ$750,000 each on acceptance of any offer of financial products
made to those persons and before the allotment of those financial products;
or
* any persons who are otherwise categorised as 'wholesale investors’ pursuant
to the FMCA.

If you are not a ‘wholesale investor’ you shall immediately cease any access to
or use of the Site and any services and/or products on the Site.

NORWAY

LGIM Managers (Europe) Limited is registered with the Norwegian Financial
Supervisory Authority to provide cross-

border investments services in Norway in accordance with Article 31 in
MiFID-Directive and Norwegian legislation.

In the "Law and Jurisdiction" section, the words "in the applicable
jurisdiction" shall be deleted and replaced with "of Norway”.

OMAN

The information contained on this Site neither constitutes a public offer of
securities in the Sultanate of Oman as contemplated by the Law of Commercial
Companies (Royal Decree 18/2019) or the Capital Market Law of Oman (Royal Decree
80/98), nor does it constitute an offer to sell, or the solicitation of any
offer to buy Non-Omani securities in the Sultanate of Oman as contemplated by
Article 139 of the Executive Regulations to the Capital Market Law (issued by
Decision No.1/2009). Additionally, this Site is not intended to lead to the
conclusion of any contract of whatsoever nature within the territory of the
Sultanate of Oman.

Financial products may not be advertised, marketed, distributed or otherwise
made available to any person in Oman other than by an entity licensed to market
non-Omani securities by the Capital Markets Authority (“CMA”) and then only in
accordance with any terms and conditions of such license. No prospectus has been
filed with the CMA by us in connection with any of our products. This Site is
not intended to lead to any offer or sale of financial products or services of
whatsoever nature within the territory of the Sultanate of Oman.

This Site is only being made accessible to a limited number of financially
solvent and experienced investors, and may not be reproduced, used for any other
purpose or provided to any other person that is not the intended recipient
thereof. Users of the Site acknowledge that none of our financial products or
services have been licensed by or registered with the CMA.

The content provided on this Site is for information purposes only. None of the
information, opinion, reports, or other documents contained or made available on
this Site shall be construed as an offer, invitation, solicitation, advice or a
recommendation for subscription or purchase by Legal & General to acquire or
sell any products or services. Legal & General does not advise persons or
entities resident or based in Oman as to the appropriateness of investing in or
purchasing or selling securities or other financial products. No information
contained on this Site is intended to constitute Omani investment, legal, tax,
accounting or other professional advice.

We are not licensed or authorised to carry on any regulated activity in the
Sultanate of Oman.

If you do not understand the contents of this Site, you should consult an
authorised financial advisor.

In the "Law and Jurisdiction" section, the words "in the applicable
jurisdiction" shall be deleted and replaced with "of England and Wales."

PALESTINE

We are not licensed or authorised to carry on any regulated activity in the
State of Palestine.

In the "Law and Jurisdiction" section, the words "in the applicable
jurisdiction" shall be deleted and replaced with "of England and Wales."

QATAR FINANCIAL CENTRE, QATAR

Nothing on this Site constitutes, is intended to constitute, shall be treated as
constituting or shall be deemed to constitute any offer or sale of financial
products or services in the State of Qatar or in the Qatar Financial Centre, or
the inward marketing of any financial products or an attempt to do business, as
a bank, an investment company or otherwise in the State of Qatar or in the Qatar
Financial Centre.

This Site and the content thereon have not been approved, registered or licensed
by the Qatar Central Bank, the Qatar Financial Centre Regulatory Authority, the
Qatar Financial Markets Authority or any other regulator in the State of Qatar
or in the Qatar Financial Centre.

Neither this Site nor any information or documents made available through it
have been reviewed or approved by the Qatar Financial Centre Regulatory
Authority or the Qatar Central Bank.

No transaction will be concluded within the jurisdiction of the State of Qatar
or in the Qatar Financial Centre. Recourse against us may be limited or
difficult and may have to be pursued in a jurisdiction outside the State of
Qatar or the Qatar Financial Centre.

Any distribution of the content of this Site by the recipient to third parties
in the State of Qatar or in the Qatar Financial Centre is in breach of the terms
hereof is not authorised and shall be at the liability of such recipient.

We are not licensed or authorised to carry on any regulated activity in the
State of Qatar or in the Qatar Financial Centre.

If you do not understand the contents of this Site, you should consult an
authorised financial advisor.

In the "Law and Jurisdiction" section, in the first paragraph the words
"applicable jurisdiction" shall be deleted and replaced with "Qatar Financial
Centre". In the second paragraph the words "courts in the applicable
jurisdiction" shall be deleted and replaced with "Civil and Commercial Court of
the Qatar Financial Centre".

SINGAPORE

In the "Law and Jurisdiction" section, the words "in the applicable
jurisdiction" shall be deleted and replaced with "of the

Republic of Singapore."

SPAIN

LGIM Managers (Europe) Limited is registered with the Spanish Comisión Nacional
del Mercado de Valores (Register number 579) as an investment firm of the
European Economic Area under the freedom to provide services regime, to provide
certain investment services.

In the "Law and Jurisdiction" section, the words "in the applicable
jurisdiction" shall be deleted and replaced with "of Spain."

The “Telephone Recording” paragraph shall be deleted and replaced with the
following paragraph: “As required under applicable laws, Legal & General will
record all telephone and electronic communications and conversations with you
that result or may result in the undertaking of transactions in financial
instruments on your behalf. Such records will be kept for a period of five years
(or such other period as is required by a relevant regulator or applicable law)
and will be provided to you upon request.

STATE OF QATAR (EXCLUDING THE QATAR FINANCIAL CENTRE)

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