LIBOR and other IBORs are coming to an end

EIBOR-LIBOR

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ADCB Group is not acting as a fiduciary or advisor to you on any matter related to benchmark rates such as IBORs, any discontinuation or replacement of any benchmark rate, the operation of any fallbacks to a benchmark rate or any change in methodology to the calculation of any benchmark rate. ADCB Group does not owe you any duties or have any liability to you in relation to its management of the transition from benchmark rates (including IBORs) to alternative rates.

ADCB Group does not accept any responsibility for, and shall not have any liability with respect to, the administration, submission or any other matter related to benchmark rates such as IBORs or any alternative rate including, without limitation, whether the composition or characteristics of any alternative rate will be similar to, or produce the same value or economic equivalence as, the original benchmark rates (including IBORs) or whether any alternative rate will have the same volume or liquidity as the original benchmark rate prior to its discontinuance or unavailability.