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Media owner and publisher The MoreVALUE sponsoring program of Erste Bank Milchgasse 1 A - 1010 Wien T.: 05 0100 www.erstegroup.com www.sponsoring.erstebank.at ------------ Editorial team Ruth Goubran ( Erste Group Bank AG) sponsoring.kultur@erstegroup.com Manuela Hötzl (Redaktionsbuero) kontakt@redaktionsbuero.at Authors are mentioned with each article Editorial manager Petra Zechmeister, Katharina Oder, Jana Hötzl Translators (German – English) Roderick O´Donovan Nelson Wattie Copyreader (English) David Ender Copyreader (German) Elisabeth Schöberl (interlinearis) Editorial concept Redaktionsbuero Architektur Manuela Hötzl e.U. Design and concept Collettiva Design GmbH Copyright © Erste Group Bank AG ------------ Report - Editors-in-Chief and concept (2004-2009) redaktionsbuero hötzl mayer OEG (Manuela Hötzl, Antje Mayer) ------------ Licence Licensed bank pursuant to Article 1 (1) Austrian Banking Act Competent supervisory authority: Financial Market Authority (Sector Banking Supervision) Praterstraße 23, 1020 Vienna, Austria, http://www.fma.gv.at Chamber of Commerce/professional association Austrian Federal Economic Chamber, Sector Banking Wiedner Hauptstrasse 63, 1040 Vienna, Austria, http://www.wko.at Legal framework Applicable legal regulations are in particular the provisions of the Austrian Banking Act (Bankwesengesetz, BWG), the Securities Supervision Act (Wertpapieraufsichtsgesetz, WAG) and the Savings Banks Act (Sparkassengesetz, SpG) in the applicable versions. http://www.ris.bka.gv.at Disclaimer - important legal notice Erste Group Bank AG has taken all reasonable measures to ensure that all information supplied on this website is complete and correct. However, unintentional and accidental errors may nevertheless have been made. Please accept our apologies for any such errors.  Modifications Erste Group Bank AG also reserves the right to update or alter information on this site at any time without prior notice or giving notice of alterations. Links Erste Group Bank AG does neither verify the content nor the legality of other websites it may link to. Erste Group Bank AG has no influence on the design of these websites and disassociates itself explicitly from the displayed, possibly unlawful contents. Furthermore, Erste Group Bank AG is not liable and takes no responsibility for such contents. E-mails In keeping with the Electronic Commerce Act, we would like to point out that e-mails sent to us are only accessed during regular banking opening hours. Languages You can communicate with us in German or English. Data protection Any personal data collected, processed and used by us is dealt in accordance with the provisions of the Austrian Data Protection Act (Datenschutzges etz, DSG) and the Austrian Telecommunications Act (Telekommunikationsgesetz, TKG). ------------ Legal notice The rights for texts are held by their authors. Reprinting of excerpts is permitted provided that the publishers are informed. All rights reserved. Text, images, graphics as well as their sequencing are protected by copyright and other intellectual property rights. The contents of this publication may not be copied, distributed, altered or made available to third parties. Further, some pages include pictures that are under copyright to third parties. This publication has been constructed with the greatest possible care. In spite of this, Erste Group Bank AG is not able to guarantee total lack of errors and total accuracy of all the information it contains. Erste Group Bank AG guarantees that your information is treated confidentially in conformance with the provisions of the data protection laws. Registration No. 0031313 Based in Vienna, Commercial Register No. 33209m Commercial Court Vienna VAT ID No. ATU15361506 Swift Code/BIC: GIBAATWW Austrian bank code: 20111
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