The certificate Erste Group Express 3 offers an annual opportunity for early redemption, enabling investors to obtain a yield of 7% per year if the share of Erste Group quotes at or above its starting value at one of the valuation dates. If the share quotes below the starting value, the term extends by another year - up to a maximum of five years. In the event of a barrier violation (60% of the starting value) at the final valuation date, the investor is entirely subject to market risk and physical delivery of Erste Group shares is effected.

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