INSTITUTIONAL SUITABILITY CERTIFICATE

Pursuant to Rule 2111 issued by the FINRA (Financial Industry Regulatory Authority), U.S. financial institutions are required to obtain certain information from any "Foreign Bank" that maintains a correspondent account with them.

As outlined in FINRA's rules, DZ BANK AG has prepared an INSTITUTIONAL SUITABILITY CERTIFICATE AFFIRMATIVE INDICATION OF EXERCISE OF INDEPENDENT JUDGEMENT for use by any financial institution that believes it requires such a certificate from DZ BANK AG or one of its branches or controlled subsidiaries. Please use this Certification provided DZ BANK AG directly on its web-page (as refferenced in the Certifate) or as provided directly by one of its branches or controlled subsidiaries.