KnowledgeAndExperience

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            xmlns:xs="http://www.w3.org/2001/XMLSchema"
            name="KnowledgeAndExperience">
   <xs:annotation>
      <xs:documentation xml:lang="en">Target markets - Knowledge and/or Experience</xs:documentation>
      <xs:documentation xml:lang="de">Target markets - Knowledge und/oder Experience</xs:documentation>
      <xs:documentation xml:lang="fr">Marchés cibles - Connaissances et/ou expérience</xs:documentation>
      <xs:documentation xml:lang="nl">Target markets - Knowledge en/van Experience</xs:documentation>
      <xs:documentation xml:lang="es">Mercados objetivo - Conocimiento y/o Experiencia</xs:documentation>
      <xs:documentation xml:lang="it">Mercati di riferimento - Conoscenza e/o Esperienza</xs:documentation>
      <xs:documentation xml:lang="cs">Target markets - Knowledge and/or Experience</xs:documentation>
      <xs:documentation xml:lang="hu">Target markets - Knowledge and/or Experience</xs:documentation>
   </xs:annotation>
   <xs:complexType>
      <xs:sequence>
         <xs:element name="BasicInvestor" type="EMTYesNoNeutralType">
            <xs:annotation>
               <xs:documentation xml:lang="en">02010: Investors having the following characteristics:
• basic knowledge of relevant financial instruments (a  basic investor can make an informed investment decision based on the regulated and authorised offering documentation  or with the help of basic information provided by point of sale); 
• no financial industry  experience, i.e. suited to a first time investor</xs:documentation>
               <xs:documentation xml:lang="de">02010: Anleger mit folgenden Eigenschaften:
• Grundkenntnisse über relevante Finanzinstrumente (ein Basisanleger kann eine informierte Anlageentscheidung auf Grundlage der regulierten und autorisierten Angebotsdokumentation oder mit Hilfe von grundlegenden Informationen der Verkaufsstelle treffen);
• keine Erfahrung in der Finanzbranche, d.h. geeignet für einen Erstanleger</xs:documentation>
               <xs:documentation xml:lang="fr">02010: Investisseurs ayant les caractéristiques suivantes:
• connaissance de base des instruments financiers pertinents (un investisseur de base peut prendre une décision d'investissement éclairée sur la base de la documentation d'offre réglementée et autorisée ou avec l'aide des informations de base fournies par le point de vente);
• aucune expérience dans le secteur financier, c.-à-d. adapté à un investisseur débutant</xs:documentation>
               <xs:documentation xml:lang="nl">02010: Beleggers met de volgende kenmerken:
• basiskennis van relevante financiële instrumenten (een basisbelegger kan een geïnformeerde beleggingsbeslissing nemen op basis van gereguleerde en geautoriseerde aanbiedingsdocumentatie of met behulp van basisinformatie verstrekt door het verkooppunt);
• geen ervaring in de financiële sector, d.w.z. geschikt voor een beginnende belegger</xs:documentation>
               <xs:documentation xml:lang="es">02010: Inversores con las siguientes características:
• conocimiento básico de instrumentos financieros relevantes (un inversor básico puede tomar una decisión de inversión informada basándose en la documentación de oferta regulada y autorizada o con la ayuda de información básica proporcionada por el punto de venta);
• sin experiencia en el sector financiero, es decir, adecuado para un inversor primerizo</xs:documentation>
               <xs:documentation xml:lang="it">02010: Investitori con le seguenti caratteristiche:
• conoscenza di base degli strumenti finanziari rilevanti (un investitore di base può prendere una decisione di investimento informata sulla base della documentazione di offerta regolamentata e autorizzata o con l'aiuto delle informazioni di base fornite dal punto vendita);
• nessuna esperienza nel settore finanziario, cioè adatto a un investitore alle prime armi</xs:documentation>
               <xs:documentation xml:lang="cs">02010: Investors having the following characteristics:
• basic knowledge of relevant financial instruments (a  basic investor can make an informed investment decision based on the regulated and authorised offering documentation  or with the help of basic information provided by point of sale); 
• no financial industry  experience, i.e. suited to a first time investor</xs:documentation>
               <xs:documentation xml:lang="hu">02010: Investors having the kovetkezo characteristics:
• basic knowledge of relevant Penzugyi eszkozok (a  basic befekteto can make an informed befektetes decision based on the regulated and authorised offering documentation  or with the help of basic informacio provided by point of sale); 
• nem penzugyi industry  experience, i.e. suited to a elso ido befekteto</xs:documentation>
            </xs:annotation>
         </xs:element>
         <xs:element name="InformedInvestor" type="EMTYesNoNeutralType">
            <xs:annotation>
               <xs:documentation xml:lang="en">02020: Having one, or more, of the following characteristics:
• average knowledge of relevant financial products (an informed investor can make an informed investment decision based on the regulated and authorised offering documentation, together with knowledge and understanding of the specific factors/risks highlighted within them only)
• some financial industry experience </xs:documentation>
               <xs:documentation xml:lang="de">02020: Having one, oder mehr, von following characteristics:
• average knowledge von relevant financial products (ein informed Anleger can make ein informed Anlage decision based on regulated und authorised offering documentation, together mit knowledge und understanding von spezifisch factors/risks highlighted within them only)
• einige financial industry experience</xs:documentation>
               <xs:documentation xml:lang="fr">02020: Having one, ou plus, de following characteristics:
• average knowledge de relevant financial products (un informed investisseur can make un informed investissement decision based on regulated et authorised offering documentation, together avec knowledge et understanding de spécifique factors/risks highlighted within them only)
• quelques financial industry experience</xs:documentation>
               <xs:documentation xml:lang="nl">02020: Having one, van meer, van following characteristics:
• average knowledge van relevant financial products (een informed belegger can make een informed belegging decision based on regulated en authorised offering documentation, together met knowledge en understanding van specifiek factors/risks highlighted within them only)
• enkele financial industry experience</xs:documentation>
               <xs:documentation xml:lang="es">02020: Tener una o más de las siguientes características:
								<xs:documentation xml:lang="it"/>
                  <xs:documentation xml:lang="cs">02020: Having one, or more, of the following characteristics:
• average knowledge of relevant financial products (an informed investor can make an informed investment decision based on the regulated and authorised offering documentation, together with knowledge and understanding of the specific factors/risks highlighted within them only)
• some financial industry experience</xs:documentation>
                  <xs:documentation xml:lang="hu">02020: Having one, or more, of the kovetkezo characteristics:
• average knowledge of relevant penzugyi products (an informed befekteto can make an informed befektetes decision based on the regulated and authorised offering documentation, together with knowledge and understanding of the specific factors/risks highlighted within them only)
• some penzugyi industry experience</xs:documentation>
• average knowledge el/la relevant financial products (un/una informed inversor can make un/una informed inversión decision based on regulated y authorised offering documentation, together con knowledge y understanding el/la específico factors/risks highlighted within them only)
• enkele financial industry experience</xs:documentation>
            </xs:annotation>
         </xs:element>
         <xs:element name="AdvancedInvestor" type="EMTYesNoNeutralType">
            <xs:annotation>
               <xs:documentation xml:lang="en">02030: Investors having one, or more, of the following characteristics:
• good knowledge of relevant financial products and transactions
• financial industry experience or accompanied by professional investment advice or included in a discretionary portfolio service</xs:documentation>
               <xs:documentation xml:lang="de">02030: Investors having one, oder mehr, von following characteristics:
• good knowledge von relevant financial products und transactions
• financial industry experience oder accompanied durch professionell Anlage advice oder included in ein discretionary Portfolio service</xs:documentation>
               <xs:documentation xml:lang="fr">02030: Investors having one, ou plus, de following characteristics:
• good knowledge de relevant financial products et transactions
• financial industry experience ou accompanied par professionnel investissement advice ou included dans un discretionary portefeuille service</xs:documentation>
               <xs:documentation xml:lang="nl">02030: Investors having one, van meer, van following characteristics:
• good knowledge van relevant financial products en transactions
• financial industry experience van accompanied door professioneel belegging advice van included in een discretionary portefeuille service</xs:documentation>
               <xs:documentation xml:lang="es">02030: Inversores que tienen una o más de las siguientes características:
								<xs:documentation xml:lang="it"/>
                  <xs:documentation xml:lang="cs">02030: Investors having one, or more, of the following characteristics:
• good knowledge of relevant financial products and transactions
• financial industry experience or accompanied by professional investment advice or included in a discretionary portfolio service</xs:documentation>
                  <xs:documentation xml:lang="hu">02030: Investors having one, or more, of the kovetkezo characteristics:
• good knowledge of relevant penzugyi products and transactions
• penzugyi industry experience or accompanied by szakmai Befektetesi tanacsadas or included in a discretionary portfolio service</xs:documentation>
• good knowledge el/la relevant financial products y transactions
• financial industry experience el/la accompanied por profesional inversión advice el/la included en un/una discretionary cartera service</xs:documentation>
            </xs:annotation>
         </xs:element>
         <xs:element minOccurs="0"
                     name="ExpertInvestorGermany"
                     type="EMTYesNoNeutralType">
            <xs:annotation>
               <xs:documentation xml:lang="en">02040: Expert knowledge of and / or experience with highly specialised financial products (Regulatory requirement in Germany/ example: CFD/ the updated list will be provided by the DSGV)</xs:documentation>
               <xs:documentation xml:lang="de">02040: Expertenwissen über und/oder Erfahrung mit hochspezialisierten Finanzprodukten (Regulatorische Anforderung in Deutschland/Beispiel: CFD/die aktualisierte Liste wird vom DSGV bereitgestellt)</xs:documentation>
               <xs:documentation xml:lang="fr">02040: Connaissance experte de et/ou expérience avec des produits financiers hautement spécialisés (exigence réglementaire en Allemagne/exemple: CFD/la liste mise à jour sera fournie par le DSGV)</xs:documentation>
               <xs:documentation xml:lang="nl">02040: Deskundige kennis van en/of ervaring met hooggespecialiseerde financiële producten (regelgevende vereiste in Duitsland/voorbeeld: CFD/de bijgewerkte lijst wordt verstrekt door de DSGV)</xs:documentation>
               <xs:documentation xml:lang="es">02040: Conocimiento experto de y/o experiencia con productos financieros altamente especializados (requisito regulatorio en Alemania/ejemplo: CFD/la lista actualizada será proporcionada por el DSGV)</xs:documentation>
               <xs:documentation xml:lang="it">02040: Conoscenza esperta di e/o esperienza con prodotti finanziari altamente specializzati (requisito normativo in Germania/esempio: CFD/la lista aggiornata sarà fornita dal DSGV)</xs:documentation>
               <xs:documentation xml:lang="cs">02040: Expert knowledge of and / or experience with highly specialised financial products (Regulatory requirement in Germany/ example: CFD/ the updated list will be provided by the DSGV)</xs:documentation>
               <xs:documentation xml:lang="hu">02040: Expert knowledge of and / or experience with highly specialised penzugyi products (Regulatory requirement in Germany/ example: CFD/ the updated lista will be provided by the DSGV)</xs:documentation>
            </xs:annotation>
         </xs:element>
      </xs:sequence>
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