Ginmon | Intelligente Robo-Advisor Technologie mit ETFs

Product Information Sheet - Terms & Conditions for Ginmon TopZins
(as recommended by the German Ministry of Consumer Protection)

Interest Rate	3.73 % p.a.
Name of the product	Ginmon TopZins
Product Category	Money Market Funds
Provider/Issuer	DWS
Fees	Service fee: 0.3 % p.a.; ETF expenses: 0.1 % p.a.
Product Description	Ginmon TopZins is an investment with a variable interest rate, which Ginmon can increase or decrease at any time. Deposits and withdrawals to a specified reference account (current account) are possible at any time. The interest rate is linked to the current Euro Short-Term Rate (€STR). The interest rate is granted until the date of a withdrawal or, if earlier, until the date of a reduction of the Euro Short-Term Rate (€STR) by the European Central Bank.
Risks	Price Risk/Business Risk The historical variation around the current performance of this investment averages 0.1% per annum. Issuer Risk/Credit Risk The amount invested is treated as separate assets and is therefore protected in the event of insolvency. Foreign Currency Risk No risk
Return on investment	Ongoing yields The interest return is reflected in the performance of the ETF. It is calculated daily and reinvested daily in the money market fund.
Money withdrawal	A withdrawal may be ordered any day without notice.
Taxation under German Law	If taxed under German law, interest income will be subject to the German withholding tax (Abgeltungsteuer) as well as the solidarity surcharge and, if applicable, church tax. Note: We recommend that you consult a tax advisor to clarify tax issues.
Other	-