Accessibility

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Accessibility Information

Declaration on the digital accessibility of the FERI websites (in accordance with Annex 3 to Section 14 (1) No. 2 of the Accessibility Enhancement Act)

(as of February 23, 2026)

FERI AG, Haus am Park, Rathausplatz 8-10, 61348 Bad Homburg, Germany, telephone: +49 (0) 6172 916-0, designs its websites in accordance with the current accessibility requirements. Our goal is to provide a service that is accessible to all people.

Accessibility and WCAG compliance

Our websites comply with the requirements of EN 301 549 v 3.2.1 and the Web Content Accessibility Guidelines (WCAG) version 2.2 of the World Wide Web Consortium (W3C). This ensures that our content is accessible to users with different needs.

All essential content can be accessed using a keyboard. We ensure a clear structure, understandable language, and intuitive operation to provide a positive user experience for all users.

Current status of accessibility

Our websites meet accessibility requirements in many areas. We adhere to at least level AA of the WCAG guidelines.

We regularly carry out technical checks and content adjustments to ensure that our websites comply with the applicable standards. However, should barriers occur, we will work to remove them as quickly as possible.

Accessible information about our services

FERI AG strives to design its websites in accordance with current accessibility requirements and to optimize them continuously. Our goal is to provide a service that is accessible to all people.

The Accessibility Enhancement Act (BFSG) aims to ensure that companies offer barrier-free products and services. FERI AG takes these requirements into account.

Services in electronic commerce on our websites (such as the contact form for requesting a personal consultation) are designed so that they can be used by users with different abilities or limitations.

Below you will find information about our services:

Pure execution business
Investment advice
Portfolio management

Feedback and support

We are continuously developing our websites. Your feedback helps us to further improve accessibility.

If you encounter any barriers or have suggestions for improvements, please feel free to contact us:

FERI AG
Haus am Park
Rathausplatz 8-10
61348 Bad Homburg, Germany

Phone: +49 (0) 6172 916-0
Email: fag@feri.de

Thank you for your support!

enforcement proceedings

If you are not satisfied with the response to your accessibility request, you can contact the relevant market surveillance authority:

Market Surveillance Authority of the Federal States for the Accessibility of Products and Services (MLBF AöR)

Carl-Miller-Str. 6
39112 Magdeburg

Phone: +49 (0) 391 567 6970
Email: kontakt@mlbf-barrierefrei.de

Information about the services

Pure execution business

Information for consumers in accordance with the Accessibility Enhancement Act (BFSG)

Dear customer,

Do you have questions about pure execution business or our related services? We would like to answer any questions you may have here.

The BFSG aims to ensure the accessibility of products and services offered by companies. This means that all consumers should have easy access to the products and services on offer. They should not have to rely on outside help to do so. The goal is to enable all consumers to participate in society.

Please note: This information is intended to explain our pure execution business and the services we offer in this area. It is not legally binding.

This information is divided into 4 parts:

Part 1 contains specific information. Here we explain the pure execution business and our services in connection with the pure execution business.
Parts 2, 3, and 4 contain general information.
- Are you dissatisfied with our services? In Part 2, we inform you about your options for filing a complaint.
- Would you like to know how our services meet the requirements of the BFSG? In Part 3, we provide information about the accessibility features of our services.
- Are you experiencing problems with the accessibility of our services? In Part 4, we provide information about who you can contact in this case. Here you will find details about the responsible market surveillance authority.

Your FERI AG

1. Explanation of our services
1.1 What is pure execution business?
1.2 What are financial instruments and non-complex financial instruments?
1.3 How does pure execution business work?
1.4 How are orders for the purchase and sale of financial instruments executed?
1.4.1. Contract brokerage
1.4.2. Investment brokerage
1.5 What happens after orders for the purchase and sale of financial instruments have been executed?
1.6 What costs do you incur in a pure execution transaction?
1.7 Is there a right of withdrawal?
2. Your options for filing a complaint
2.1 Customer complaints
2.2 Out-of-court dispute resolution
3. General information on the accessibility of web content
3.1 Accessibility of this information
4. Competent market surveillance authority

1. Explanation of our services

In this section, we explain pure execution business and the services associated with it. We provide information about the key features and how pure execution business works.

1.1 What is pure execution business?

Pure execution business involves the purchase or sale of financial instruments (see 1.2).

Specifically, pure execution business means that you decide how you want to invest your assets. This means that you give us orders to buy or sell financial instruments.

The name “pure execution business” says it all: When you give us an order to buy or sell financial instruments, we simply execute that order. We do not advise you beforehand, nor do we check whether you are able to assess typical risks.

For this reason, you can only buy simple financial instruments in pure execution business: so-called non-complex financial instruments (see 1.2). However, you can sell all financial instruments that we hold in custody for you.

1.2 What are financial instruments and non-complex financial instruments?

The term “financial instruments” appears in banking legislation. It appears, for example, in the Securities Trading Act.

Financial instruments include:

Securities, such as stocks, bonds, certificates, and warrants
Shares in investment funds
Derivatives

Non-complex financial instruments are often easier to understand. They have a clear structure and more understandable risks. Examples of non-complex financial instruments include certain stocks, bonds, and simple investment funds. There are legal criteria that we use to assess which financial instruments are non-complex.

1.3 What is the procedure for pure execution transactions?

To carry out transactions, you first need a securities account and a clearing account.

A securities account is a special bank account. The custodian bank holds your financial instruments in your securities account. A securities account also includes a clearing account. The custodian bank uses your clearing account to book all monetary transactions. A payment account (also known as a checking account) often serves as a clearing account.

Once you have opened a securities account and a clearing account with a partner custodian bank of FERI AG, you can instruct us to buy and sell financial instruments. You can send us your orders in various ways: in person, by email, or by telephone.

In pure execution business, you will not receive any advice from us. Nor do we check whether you are able to assess the typical risks of the financial instruments you wish to purchase. You make all decisions yourself. You are therefore responsible for ensuring that you have a good understanding of how the financial instruments work and the risks involved.

Before we accept your order, we will usually provide you with cost information. This contains an overview of the costs and follow-up costs that are likely to be associated with the purchase and sale of a financial instrument. The cost information may also include information that we receive payment from third parties in connection with the purchase of a financial instrument. This could be a payment from a fund company, for example. The cost information is called an ex-ante cost disclosure.

1.4 How are orders for the purchase and sale of financial instruments executed?

There are various ways in which your orders for the purchase and sale of financial instruments can be executed: In pure execution business, a distinction is made between fixed-price business, commission business, contract brokerage (see 1.4.1), and investment brokerage (see 1.4.2). We only offer contract brokerage and investment brokerage.

1.4.1. Contract brokerage

In the case of final brokerage, we act on your behalf and for your account vis-à-vis providers of financial instruments. With our help, you conclude a contract with the provider.

1.4.2. Investment brokerage

When brokering an investment, we act as an intermediary, forwarding your order to a provider of financial instruments. You then conclude a contract with the provider yourself.

1.5 What happens after orders to buy and sell financial instruments have been executed?

Once an order has been executed, you will receive a securities settlement statement. This statement contains important information about the execution of your order. If the order could not be executed, we will inform you promptly.

When you buy securities, the custodian bank responsible will book them into your securities account. When you sell securities, it will book them out. At the same time, it will debit or credit your clearing account: if you buy financial instruments, it will debit the purchase price from your clearing account. If you sell financial instruments, it will credit the proceeds of the sale to your clearing account (it may have to withhold taxes in the process). Any costs incurred in connection with the purchase or sale will be debited from your clearing account.

The currency of the financial instrument may not correspond to the currency of your clearing account. In this case, the custodian bank will perform a currency conversion. For example, the financial instrument is traded in US dollars, but your clearing account is held in euros. The custodian bank will then convert the US dollar amount into euros so that it can credit or debit the amount to your clearing account.

You will receive regular information from us or the custodian bank responsible for your securities account about which financial instruments we or the custodian bank hold and manage for you in your securities account.

In addition, each year you will receive an overview of all costs that you actually incurred in the past year for pure execution transactions. This cost overview is called an ex-post cost statement.

The custodian bank ensures that income from your financial instruments, such as interest or dividends, is credited to you. If they hold shares on your behalf, they will assist you in exercising your voting rights at the annual general meeting of the stock corporation.

1.6 What costs will you incur for the pure execution business?

In the case of pure execution transactions, you do not pay any fees directly to us. However, we will usually provide you with cost information. This contains an overview of the costs and follow-up costs associated with the purchase, holding, and sale of a financial instrument. Any commissions and fees that may be incurred can be requested from the relevant custodian bank. The cost information may also include information that we receive payment from third parties in connection with the purchase of a financial instrument. This could be a payment from a fund company, for example.

1.7 Is there a right of withdrawal?

You may revoke the custody agreement within 14 days. However, this only applies if the agreement was concluded as a distance selling transaction or as an off-premises transaction, i.e., via the Internet or by telephone. In this case, we will provide you with certain legal information. The revocation period begins after you have concluded the agreement and received all the relevant legal information. Only if there is a right of withdrawal will you receive a withdrawal policy from us before concluding the agreement.

Please note: There is usually no right of withdrawal when buying or selling financial instruments. However, there are exceptions. Only if you are exceptionally entitled to a right of withdrawal will you receive a withdrawal policy from us before concluding the agreement.

2. Your options when filing a complaint

Are you dissatisfied with our service? In this section, we will inform you about your options for filing a complaint.

2.1 Customer complaints

You can submit your complaint to us in various ways:

By telephone to your advisor or on +49 (0) 6172 916-0
By email to: fag@feri.de
In writing to: FERI AG, Haus am Park, Rathausplatz 8-10, 63348 Bad Homburg

Further information on complaints can be found on our Complaints Management page.

2.2 Out-of-court dispute resolution

Have you filed a complaint with us but no solution has been found? Then you have the option of out-of-court dispute resolution. As a bank, we participate in the dispute resolution procedure of the following consumer arbitration board: Ombudsman for Private Banks. There you can call on the Ombudsman for Private Banks. He will take care of your rights: he mediates between you as a consumer and us as a company.

General information about the Ombudsman for Private Banks can be found at www.bankenombudsmann.de. Information on the exact procedure of the ombudsman process can be found in the rules of procedure of the Ombudsman for Private Banks. We will be happy to provide you with the rules of procedure on request. You can also view them on the Internet: on the website of the Association of German Banks at www.bankenverband.de.

You must send your complaint in writing to the Ombudsman for Private Banks, for example by letter, fax, or email.

Address:
Ombudsman for Private Banks Office
P.O. Box 04 03 07
10062 Berlin

Fax: +49 (0) 30 1663-3169
Email: schlichtung@bdb.de

3. General information on the accessibility of web content

Would you like to know how our web content complies with the requirements of the Barrier-Free Accessibility Act (BFSG)?

Background: Among other things, the BFSG requires us to comply with guidelines for accessible web content. These guidelines are designed to make web content as accessible as possible for everyone, especially people with disabilities. The guidelines are based on the following four principles of accessibility:

Perceptibility: As many people as possible should be able to perceive the information and IT functions. For us, this means, for example, that we must ensure that alternative texts are available for images and graphics.
Operability: As many people as possible should be able to use the IT functions. For us, this means, for example, that we must ensure that our web content can be operated using a keyboard.
Comprehensibility: Web content should be readable and clearly understandable for as many people as possible. For us, this means, for example, that we must offer our web content in language that is as simple as possible.
Robustness: Web content must be as compatible as possible with assistive technologies. Assistive technologies include programs for reading aloud or enlarging web content, as well as for converting speech to text. For us, this means, for example, that we must comply with standards for the use of assistive technologies, such as standards for the technical structure and labeling of web content.

The current FERI AG website is still based on older technology and is therefore not accessible in many areas. As we will be launching a new, accessibility-optimized website in September 2025, we will not be making any further fundamental changes to the current website.

3.1 Accessibility of this information

These are the accessibility features of this information:

We provide this information through various access options via the following sensory channels: FERI AG website.
The content of this information is written in easy-to-understand language. The language level does not exceed B2 of the Common European Framework of Reference for Languages (CEFR). Please note: This does not apply to the actual service contract, the General Terms and Conditions (GTC), or the Pre-contractual Information (PCI) associated with the service contract.
The layout of this information is designed to support user-friendly use—by highlighting important content, using an easily readable font, and ensuring sufficient line and paragraph spacing.

4. Competent market surveillance authority

Are you experiencing problems with the accessibility of our services? In this section, we provide information on who you can contact in this case.

The responsible authority is: Market Surveillance Authority of the German Federal States for the Accessibility of Products and Services (MLBF AöR).

The MLBF AöR checks whether economic operators comply with certain legal requirements. As a bank, we are also monitored by the MLBF AöR.

If you have problems using our service, you can submit a request to the MLBF AöR. If necessary, the MLBF AöR will then take legal action against us as an economic operator (legal basis: Section 6 or Section 7 BFSG).

In your application, you can claim that we are in breach of a requirement of the BFSG. Or you can claim that we are in breach of a requirement of the Ordinance on the Accessibility Enhancement Act (BFSGV). (The BFSGV was enacted in accordance with Section 3 (2) BFSG.)

The contact details for MLBF AöR:

Carl-Miller-Str. 6
39112 Magdeburg

Phone: +49 (0) 391 567 6970
Email: kontakt@mlbf-barrierefrei.de

Investment Advice

Information for consumers in accordance with the Accessibility Enhancement Act (BFSG)

Dear customer,

Do you have questions about investment advice or our related services? We would like to answer any questions you may have here.

Please note: This information is intended to explain investment advice and our investment advisory services to you. It is not legally binding.

This information is divided into four parts:

Part 1 contains specific information. Here we explain investment advice and our services in connection with investment advice.
Parts 2, 3, and 4 contain general information.
- Are you dissatisfied with our services? In Part 2, we inform you about your options for filing a complaint.
- Would you like to know how our services meet the requirements of the BFSG? In Part 3, we provide information about the accessibility features of our services.
- Are you experiencing problems with the accessibility of our services? In Part 4, we provide information about who you can contact in this case. Here you will find details about the responsible market surveillance authority.

Your FERI AG

1. Explanation of our services
1.1 What is investment advice?
1.2 What are financial instruments?
1.3 How does the investment advice process work?
1.4 What costs will you incur for investment advice?
1.5 Is there a contract term?
1.6 Is there a right of withdrawal?
2. Your options for filing a complaint
2.1 Customer complaints
2.2 Out-of-court dispute resolution
3. General information on the accessibility of web content
3.1 Accessibility of this information
4. Competent market surveillance authority

1. Explanation of our service

In this section, we explain investment advice and our related services. We provide information about the key features and functioning of investment advice.

1.1 What is investment advice?

In investment advice, we give you recommendations on financial instruments.

The following options are available:

Buy: We recommend that you buy a financial instrument.
Sell: We recommend that you sell a financial instrument.
Hold: We recommend that you do not sell a financial instrument (but continue to hold it).
Do not buy: We recommend that you do not buy a financial instrument.

When providing investment advice, we take your financial situation and personal preferences into account. With each consultation, you will receive a suitability statement from us. This is a document in which we explain how our recommendation suits you.

Ultimately, you decide for yourself whether you want to follow our recommendation.

Please note: Our recommendation is only valid at the time of the consultation. We will only review the recommendation at a later date if we have agreed this with you in advance. If you have purchased financial instruments, you must therefore monitor their performance yourself.

1.2 What are financial instruments?

The term “financial instruments” appears in banking legislation. It appears, for example, in the Securities Trading Act. Financial instruments include:

Securities, such as stocks, bonds, certificates, and warrants
Shares in investment funds
Derivatives

1.3 What is the investment advisory process?

Investment advice usually involves four steps:

1. Appointment: You arrange an appointment with us for a consultation. You can make the appointment by phone or online. The consultation takes place in person, by phone, or via video call.

2. Gathering information: We need certain information from you for the investment advice. We will ask you for specific personal details and your wishes regarding the investment of your assets. This is required by law: we are not allowed to advise you without your details. Your details help us to understand your interests and needs.

We need the following information from you:

Financial circumstances (What is your income? What are your expenses? What are your assets?)
Loss-bearing capacity (What financial losses could you bear?)
Investment objectives (What do you want to achieve with your investment? For example: long-term wealth accumulation)
Investment horizon (For how long do you want to invest your money?)
Risk tolerance (What financial risks are you willing to take? For example: value fluctuations, losses)
Sustainability preferences (Should sustainability criteria be taken into account when investing your assets? For example: investments that contribute to achieving an environmental goal)
Experience and knowledge in investing assets in financial instruments / Experience and knowledge with services related to financial instruments

3. Recommendation: Based on the information you provide, we will give you recommendations on financial instruments. However, we will only give you a recommendation if it matches the information you have provided.

We will provide you with information about the recommended financial instruments, either verbally or in the form of information sheets. Examples of information sheets include the product information sheet for stocks and bonds or basic information sheets for investment funds.

4. Documentation: In the final step, you will receive a written summary of our recommendation, the suitability statement. This summary includes our recommendation and an explanation of how it suits you.

Ultimately, you decide for yourself whether you want to follow our recommendation.

1.4 What costs will you incur for investment advice?

You do not pay any fees directly to us for investment advice. However, we will usually provide you with cost information. This contains an overview of the costs and follow-up costs associated with the purchase, holding, and sale of a financial instrument. Any commissions and fees that may be incurred can be requested from the relevant custodian bank. The cost information may also include information that we receive payment from third parties in connection with the purchase of a financial instrument. This could be a payment from a fund company, for example.

1.5 Is there a contract term?

The contracts concluded for investment advice are concluded for an indefinite period. This means that all contracts concluded within the scope of investment advice do not have a fixed contract term.

1.6 Is there a right of withdrawal?

You may revoke the investment advice within 14 days. However, this only applies if the contract was concluded as a distance selling transaction, for example via the Internet or by telephone, or as an off-premises transaction. In this case, we will provide you with certain legal information. The revocation period begins after you have concluded the contract and received all the relevant legal information. Only if there is a right of withdrawal will you receive a withdrawal policy from us before concluding the contract.

2. Your options when filing a complaint

Are you dissatisfied with our service? In this section, we will inform you about your options for filing a complaint.

2.1 Customer complaints

You can submit your complaint to us in various ways:

By telephone to your advisor or on +49 (0) 6172 916-0
By email to fag@feri.de
In writing to: FERI AG, Haus am Park, Rathausplatz 8-10, 63348 Bad Homburg

Further information on complaints can be found on our Complaints Management page.

2.2 Out-of-court dispute resolution

You must send your complaint in writing to the Ombudsman for Private Banks, for example by letter, fax, or email.

Address:
Ombudsman for Private Banks Office
P.O. Box 04 03 07
10062 Berlin

Fax: +49 (0) 30 1663-3169
Email: schlichtung@bdb.de

3. General information on the accessibility of web content

Would you like to know how our web content complies with the requirements of the Accessibility Enhancement Act (BFSG)?

Background: Among other things, the BFSG requires us to comply with guidelines for accessible web content. These guidelines are designed to make web content as accessible as possible for everyone. This applies in particular to people with disabilities. The guidelines are based on the following four principles of accessibility:

Perceptibility: As far as possible, everyone should be able to perceive the information and IT functions. For us, this means, for example, that we must ensure that there are alternative texts for images and graphics.
Operability: As many people as possible should be able to use the IT functions. For us, this means, for example, that we must ensure that our web content can be operated using a keyboard.
Comprehensibility: Web content should be readable and clearly understandable for as many people as possible. For us, this means, for example, that we must offer our web content in language that is as simple as possible.
Robustness: Web content must be as compatible as possible with assistive technologies. Assistive technologies include programs for reading aloud or enlarging web content, as well as for converting speech to text.

For us, this means, for example, that we must comply with standards for the use of assistive technologies, such as standards for the technical structure and labeling of web content.

3.1 Accessibility of this information

These are the accessibility features of this information:

We provide this information through various access options via the following sensory channels: FERI AG website.
The content of this information is written in easy-to-understand language. The language level does not exceed B2 of the Common European Framework of Reference for Languages (CEFR). Please note: This does not apply to the actual service contract, the General Terms and Conditions (GTC), or the Pre-contractual Information (PCI) associated with the service contract.
The layout of this information is designed to support user-friendly use—by highlighting important content, using an easily readable font, and providing sufficient line and paragraph spacing.

4. Competent market surveillance authority

Are you experiencing problems with the accessibility of our services? In this section, we provide information on who you can contact in this case.

The responsible authority is: Market Surveillance Authority of the German Federal States for the Accessibility of Products and Services (MLBF AöR).

The MLBF AöR checks whether economic operators comply with certain legal requirements. As a bank, we are also monitored by the MLBF AöR.

The contact details for MLBF AöR are:

Carl-Miller-Str. 6
39112 Magdeburg

Phone: +49 (0) 391 567 6970
Email: kontakt@mlbf-barrierefrei.de

Portfolio Management

Information for consumers in accordance with the Accessibility Enhancement Act (BFSG)

Dear customer,

Do you have questions about portfolio management or our related services? We would like to answer any questions you may have here.

The BFSG aims to ensure the accessibility of products and services offered by companies. This means that all consumers should have easy access to the products and services offered. They should not have to rely on outside help to do so. The goal is to enable all consumers to participate in society.

Please note: This information is intended to explain portfolio management and our services related to portfolio management. It is not legally binding.

This information is divided into four parts:

Part 1 contains specific information. Here we explain our portfolio advisory services and our portfolio management services.
Parts 2, 3, and 4 contain general information.
- Are you dissatisfied with our services? In Part 2, we explain your options for filing a complaint.
- Would you like to know how our services meet the requirements of the BFSG? In part 3, we provide information about the accessibility features of our services.
- Are you experiencing problems with the accessibility of our services? In part 4, we provide information about who you can contact in this case. Here you will find details about the responsible market surveillance authority.

Your FERI AG

1. Explanation of our service
1.1 What is portfolio management?
1.2 What are financial instruments?
1.3 How does portfolio management work?
1.3.1 Requirements for the execution of portfolio management 1.3.2 Execution of portfolio management
1.3.3 Information about the execution of portfolio management
1.4 What costs will you incur for portfolio management?
1.5 What are the termination conditions? Is there a specific contract term?
1.6 Is there a right of withdrawal?
2. Your options for filing a complaint
2.1 Customer complaints
2.2 Out-of-court dispute resolution
3. General information on the accessibility of web content
3.1 Accessibility of this information
4. Competent market surveillance authority

1. Explanation of our service

In this section, we explain portfolio management and the services we offer in this area. We provide information about the key features and how portfolio management works.

1.1 What is portfolio management?

Portfolio management involves investing your assets in financial instruments (see 1.2).

Specifically, portfolio management involves the following: As a securities institution, we invest your assets in various financial instruments. We also take care of managing your investments. The collection of your investments is called a portfolio.

You decide with us how we should invest your assets. We then make individual decisions on your behalf regarding the investment of your assets. We do not discuss these decisions with you. This means that we act independently. However, we always adhere to the guidelines that we have agreed with you in advance (see 1.3).

1.2 What are financial instruments?

The term “financial instruments” appears in banking legislation. It appears, for example, in the Securities Trading Act. Financial instruments include:

Securities, such as stocks, bonds, certificates, and warrants
Shares in investment funds
Derivative

1.3 How does portfolio management work?

We can only perform portfolio management if certain conditions are met (see 1.3.1). Only then may we act independently on your behalf (see 1.3.2). While performing our services, we will keep you regularly informed about your portfolio and our actions (see 1.3.3).

1.3.1 Requirements for the execution of portfolio management

In order to manage your portfolio, we need certain information from you. We will ask you for specific personal details and your preferences regarding the investment of your assets. This is required by law: without your details, we are not permitted to conclude a portfolio management agreement with you. Your details help us to understand your interests and needs.

We require the following information from you:

Financial circumstances (What is your income? What are your expenses? What are your assets?)
Loss-bearing capacity (What financial losses could you cope with?)
Investment objectives (What do you want to achieve by investing your assets? For example: long-term wealth accumulation)
Investment horizon (For how long do you want to invest your money?)
Risk tolerance (What financial risks are you willing to take? For example: value fluctuations, losses)
Sustainability preferences (Should sustainability criteria be taken into account when investing your assets? For example: investments that contribute to achieving an environmental goal)
Experience and knowledge in investing assets in financial instruments / Experience and knowledge with services related to financial instruments

Based on the information you provide, we work with you to determine how we should manage your assets. To this end, we establish investment guidelines with you.

To execute portfolio management, you will also need a securities account and a clearing account, which can be opened at one of our partner banks. A securities account is a special type of bank account. You use your securities account to hold your financial instruments. A securities account also includes a clearing account. The custodian bank uses your clearing account to book all monetary transactions.

1.3.2 Portfolio management execution

Before we conclude a portfolio management agreement with you, we will inform you of the expected costs.

After the agreement has been concluded and your securities account and clearing account have been opened, you will make money [and securities] available to the relevant custodian bank. We will then begin managing your portfolio. From this point on, we will act independently and buy and sell financial instruments. Our decisions will be made in accordance with the investment guidelines.

1.3.3 Information on the execution of portfolio management

You will receive regular reports from us containing specific information about the implementation of portfolio management. In most cases, the information relates to a specific period, the reporting period. This usually covers 3 or 12 months. Some of the information in the report relates to a specific date. This date is usually the last business day of the reporting period.

The reports may contain the following information:

Composition and valuation of your portfolio (Which financial instruments were included in your portfolio on the reporting date? How much were the individual financial instruments worth on the reporting date?
Performance of your portfolio during the reporting period (How did the value of your financial instruments develop during the reporting period?
Fees and costs (How much did portfolio management cost during the reporting period?
Balance of your clearing account at the beginning and end of the reporting period
Payments received, such as dividends and interest
Individual transactions, i.e., purchases and sales of financial instruments
Suitability statement, i.e., a statement explaining how our actions fit your investment objectives and preferences and comply with the investment guidelines

We usually inform you about the current composition and performance of your portfolio four times a year (every quarter).

We will also inform you if the value of your portfolio falls below certain thresholds. A threshold is reached when the initial value of your portfolio has fallen by a certain percentage during the reporting period. The law specifies a threshold of 10 percent. Other thresholds are 20 percent, 30 percent, 40 percent, and so on.

We may have agreed sustainability criteria with you in the investment guidelines. In this case, you will also receive an annual report from us. The report documents how your sustainability preferences have been taken into account in the context of portfolio management.

1.4 What costs will you incur for portfolio management?

Portfolio management involves various costs that you should be aware of. First, you will usually have to pay management fees. These may include, for example, a specific fee for portfolio management, which we calculate as a flat rate or as a percentage of your portfolio holdings. You may also have to pay transaction costs if we or the fund provider buy or sell financial instruments on your behalf.

Before we conclude a portfolio management agreement with you, we will provide you with cost information. This cost information is an estimate of all costs and follow-up costs that are likely to be associated with portfolio management.

In addition, you will receive an annual overview of all costs that you actually incurred for portfolio management in the previous year. This cost overview is called an ex-post cost statement.

1.5 What are the cancellation terms? Is there a specific contract term?

You can terminate the portfolio management agreement at any time. You do not have to observe a notice period.

The agreements concluded for portfolio management are concluded for an indefinite period. This means that all agreements concluded within the scope of portfolio management do not have a fixed term.

1.6 Is there a right of withdrawal?

You may revoke the custody agreement and the portfolio management agreement within 14 days. However, this only applies if the agreements were concluded as distance contracts, i.e., via the Internet or telephone, or as off-premises contracts. In this case, we will provide you with certain legal information. The withdrawal period begins after you have concluded the agreement and received all the relevant legal information. Only if you have a right of withdrawal will you receive a withdrawal policy from us before concluding the agreement.

2. Your options when filing a complaint

Are you dissatisfied with our service? In this section, we will inform you about your options for filing a complaint.

2.1 Customer complaints

You can submit your complaint to us in various ways:

By telephone to your advisor or on +49 (0) 6172 916-0
By email to fag@feri.de
In writing to: FERI AG, Haus am Park, Rathausplatz 8-10, 63348 Bad Homburg

Further information on complaints can be found on our Complaints Management page.

2.2 Out-of-court dispute resolution

You must send your complaint in writing to the Ombudsman for Private Banks, for example by letter, fax, or email.

Address:
Ombudsman for Private Banks Office
P.O. Box 04 03 07
10062 Berlin

Fax: +49 (0) 30 1663-3169
Email: schlichtung@bdb.de

3. General information on the accessibility of web content

Would you like to know how our web content complies with the requirements of the Barrier-Free Accessibility Act (BFSG)?

Perceptibility: As many people as possible should be able to perceive the information and IT functions. For us, this means, for example, that we must ensure that alternative texts are available for images and graphics.
Operability: As many people as possible should be able to operate the IT functions. For us, this means, for example, that we must ensure that our web content can be operated using a keyboard.
Comprehensibility: Web content should be readable and clearly understandable for as many people as possible. For us, this means, for example, that we must offer our web content in language that is as simple as possible.
Robustness: Web content must be as compatible as possible with assistive technologies. Assistive technologies include programs for reading aloud or enlarging web content, as well as for converting speech to text. For us, this means, for example, that We must comply with standards for the use of assistive technologies, such as standards for the technical structure and labeling of web content.

3.1 Barrierefreiheit dieser Information

Das sind die Merkmale der Barrierefreiheit dieser Information:

Wir stellen Ihnen diese Information über verschiedene Zugangsmöglichkeiten zur Verfügung, und zwar über die folgenden sensorischen Kanäle: Internetseite der FERI AG.
Die Inhalte dieser Information sind in einer leicht verständlichen Sprache. Das Sprachniveau B2 des Gemeinsamen Europäischen Referenzrahmens für Sprachen (GER) wird nicht überschritten. Bitte beachten Sie: Das gilt nicht für den eigentlichen Dienstleistungsvertrag sowie die Allgemeinen Geschäftsbedingungen (AGB) und die Vorvertraglichen Informationen (VVI), die mit dem Dienstleistungsvertrag verbunden sind.
Das Layout dieser Informationen ist so gestaltet, dass es eine benutzerfreundliche Nutzung unterstützt – durch die Hervorhebung wichtiger Inhalte, eine gut lesbare Schriftart sowie ausreichende Zeilen- und Absatzabstände.

4. Zuständige Marktüberwachungsbehörde

Sie haben Probleme mit der Barrierefreiheit unsere Dienstleistung? In diesem Teil informieren wir Sie, an wen Sie sich in diesem Fall wenden können.

Die zuständige Behörde heißt: Marktüberwachungsstelle der Länder für die Barrierefreiheit von Produkten und Dienstleistungen (MLBF AöR).

Die MLBF AöR überprüft, ob Wirtschaftsakteure bestimmte gesetzliche Vorschriften beachten. Auch wir als Bank werden von der MLBF AöR überwacht.

Wenn Sie Probleme bei der Nutzung unserer Dienstleistung haben, können Sie einen Antrag bei der MLBF AöR stellen. Diese wird dann gegebenenfalls gesetzliche Maßnahmen gegen uns als Wirtschaftsakteur einleiten (Rechtsgrundlage: Abschnitt 6 oder Abschnitt 7 BFSG).

In Ihrem Antrag können Sie geltend machen, dass wir gegen eine Anforderung des BFSG verstoßen. Oder Sie können geltend machen, dass wir gegen eine Anforderung der Verordnung zum Barrierefreiheitsstärkungsgesetz (BFSGV) verstoßen. (Die BFSGV wurde nach § 3 Absatz 2 BFSG erlassen.)