The certificate 3 % MSCI Europe/North America Sustainability Bonus&Safety enables investors to obtain a fixed interest rate of 3% annually. Redemption is effected at 100% at the end of the term, provided that the MSCI® Europe Top ESG Select 4.5% Decrement Index and the MSCI® North America Top ESG Select 4.5% Decrement Index always quote above the barrier of 49% of their respective starting value during the observation period. If the barrier is violated, the investor is entirely subject to market risk.

Details on the index can be found on the website of the index provider MSCI by selecting the respective index in the dropdown menu.

This certificates complies with the sustainability standard for Raiffeisen Certificates and takes into account important adverse impacts on sustainability factors ("PAIs").