The certificate Erste Group Express 5 offers an annual opportunity for early redemption, enabling investors to obtain a yield of 8.75% per year if the share of Erste Group Bank AG quotes on one of the annual valuation days at or above the annually declining termination level. 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 Bank shares is effected.

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