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Disclaimer:

ADIB uses reasonable efforts to obtain information from sources which it believes to be reliable; however, ADIB makes no representation that the information or opinions contained in this publication are accurate, reliable or complete and should not be relied on as such or acted upon without further verification. Moreover, wherever compliance with Shari'a is stated it refers to the general principles and rules of Shari'a as determined and interpreted by the Fatwa and Shari'a Supervisory Board of ADIB.

ADIB accepts no responsibility whatsoever for any loss or damage caused by any act or omission taken as a result of the information contained in this publication. Data/information provided herein is intended to serve for illustrative purposes only and are not designed to initiate or conclude any transaction. In addition, this publication is prepared as of a particular date and time and will not reflect subsequent changes in the market or changes in any other factors relevant to the determination of whether a particular investment activity is advisable. Past performance is not necessarily a guide to future performance and should not be seen as an indication of future performance of any investment activity. The information contained in this publication does not purport to contain all matters relevant to any particular Shari'a compliant investment or financial instrument and all statements as to future matters are not guaranteed to be accurate.

This publication may include data/information taken from stock exchanges and other sources from around the world and ADIB does not guarantee the sequence, accuracy, completeness, or timeliness provided thereto by unaffiliated third parties. Moreover, the provision of certain data/information in this publication is subject to the terms and conditions of other agreements to which ADIB is a party.

Anyone proposing to rely on or use the information contained in this publication should independently verify and check the accuracy, completeness, reliability and suitability of the information and should obtain independent and specific advice from appropriate professionals or experts.

This publication is provided on a confidential basis for informational purposes only and is not intended for trading purposes or to be passed, disclosed or distributed to any other person or entity in any jurisdiction or country where such use or distribution would be contrary to laws or regulations. It is the responsibility of any person in possession of this publication to investigate and observe all applicable laws and regulations of the relevant jurisdiction. This publication may not be conveyed to or used by a third party without the express consent of ADIB. The investor may not offer any part of this publication for sale or distribute it over any medium without the prior written consent of ADIB or construct a database of any kind.

None of the content in this publication constitutes a solicitation, offer, opinion, or recommendation by ADIB to buy or sell any Shari'a compliant security, or to provide legal, tax, accounting, or investment advice or services regarding the profitability or suitability of any Shari'a compliant security or investment and further does not provide any fiduciary or financial advice.

This publication does not provide individually tailored investment advice and is prepared without regard to the individual financial circumstances and objectives of person who receive it. The appropriateness of a Shari'a compliant investment activity or strategy will depend on the person's individual circumstances and objectives and these activities may not be suitable for all persons. In addition, before entering into any transaction, the risks should be fully understood and a determination made as to whether a transaction is appropriate given the person's investment objectives, financial and operational resources, experiences and other relevant circumstances.

ADIB shall not, directly or indirectly, be liable in any way to you or any other person for any inaccuracies or errors in or omissions from this publication or loss or damage arising from the use of this publication unless except where negligence or misconduct is proven on part of ADIB, shall ADIB be liable to you for actual direct, indirect, incidental, consequential, special, punitive, or exemplary damages even if ADIB has been advised specifically of the possibility of such actual damages, arising from the use of this publication, including but not limited to actual loss of revenue, opportunity, or anticipated profits or lost business.

Data included in this publication may rely on models that do not reflect or take into account all potentially significant factors such as market risk, liquidity risk, and credit risk. ADIB may use different Sharia' compliant investments strategies, make valuation adjustments, or use different methodologies to invest its own Shari'a compliant funds based on metrics and models that are not stated in this publication.

The use of this publication is at the sole risk of the investor and this publication and anything contained herein, is provided "as is" and "as available." ADIB makes no warranty of any kind, express or implied, as to this publication.

Investment in Shari'a compliant financial instruments involves risks and returns may vary. The value of and profits from your investments may vary because of changes in profit rates, spot foreign exchange rates, prices and other factors and there is the possibility that you may lose the principle amount invested. Before making a Shari'a compliant investment, investors should consult their advisers on the legal, regulatory, tax, business, financial and accounting implications of such investment.

In receiving this publication, the investor acknowledges it is fully aware that there are risks associated with Shari'a compliant investment activities. Moreover, the responsibility to obtain and carefully read and understand the content of documents relating to any Shari'a compliant investment activity described in this publication and to seek separate, independent financial advice if required to assess whether a particular investment activity described herein is suitable, lies exclusively with the investor.

ADIB offers its customers Shari'a compliant investments only that comply with the general principles of Shari'a as determined by the Fatwa and Shari'a Supervisory Board of ADIB.

The market update documents are taken directly from MPM, Treasury and ADIB securities. This is what they share with clients. We have not made any change.