3.5% Europe/USA Bonus&Safety - available on secondary market

3.5% annual fixed interest rate and barrier being set at 39% of 2 benchmark indices with a term of 3 years

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The certificate 3.5% Europe/USA Bonus&Safety is based on two well-known stock indices. The EURO STOXX 50^® index and the S&P 500^® index serve as underlyings for this certificate.

FUNCTIONALITY

At the initial valuation date the starting values (= respective closing price on September 20, 2022) of the underlyings are fixed and from that the barriers (39% of the respective starting value) are determined. During the observation period the underlying prices are compared with the according barrier. On the final valuation date (September 17, 2025) one of the following scenarios will apply:

1) Barrier not touched or undercut

If the underlying prices always quoted above their respective barrier, 100% of the nominal amount is redeemed on the maturity date. This also represents the maximum redemption.

2) Barrier touched or undercut at least once

If at least one of the underlyings quoted at or below its respective barrier, redemption on the maturity date will be affected according to the performance of the underlying with the worst performance (percentage performance from the starting value to the final value). The maximum redemption remains capped at 100% of the nominal amount.

The fixed interest rate of 3.5% is paid out in any case, regardless of the underlying performance.

Further information as well as the Key Information Document can be found on the product page.

Details on the EURO STOXX 50^® index as well as the current list of index members can be found on the website of the index provider STOXX Ltd. For details on the S&P 500^® Index visit the www.spglobal.com.

Bonus Certificates – explained shortly:

For any additional information you may require do not hesitate to contact us on +43 1 515 20-484.

The Certificates Team of Raiffeisen Centrobank