KnowledgeAndExperience

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            name="KnowledgeAndExperience">
   <xs:annotation>
      <xs:documentation xml:lang="en">Target markets - Knowledge and/or Experience</xs:documentation>
      <xs:documentation xml:lang="de">Zielmärkte - Kenntnisse und/oder Erfahrung</xs:documentation>
      <xs:documentation xml:lang="fr">Marchés cibles - Connaissances et/ou expérience</xs:documentation>
      <xs:documentation xml:lang="nl">Doelmarkten - Kennis en/of ervaring</xs:documentation>
      <xs:documentation xml:lang="es">Mercados objetivo - Conocimientos y/o experiencia</xs:documentation>
      <xs:documentation xml:lang="it">Mercati target - Conoscenze 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: Eine oder mehrere der folgenden Eigenschaften:
• durchschnittliche Kenntnisse über relevante Finanzprodukte (ein informierter Anleger kann eine informierte Anlageentscheidung auf Grundlage der regulierten und autorisierten Angebotsdokumentation treffen, zusammen mit Kenntnissen und Verständnis der darin hervorgehobenen spezifischen Faktoren/Risiken)
• gewisse Erfahrung in der Finanzbranche</xs:documentation>
               <xs:documentation xml:lang="fr">02020: Ayant une ou plusieurs des caractéristiques suivantes:
• connaissance moyenne des produits financiers pertinents (un investisseur informé peut prendre une décision d'investissement éclairée sur la base de la documentation d'offre réglementée et autorisée, ainsi que des connaissances et de la compréhension des facteurs/risques spécifiques qui y sont mis en évidence)
• une certaine expérience dans le secteur financier</xs:documentation>
               <xs:documentation xml:lang="nl">02020: Met een of meer van de volgende kenmerken:
• gemiddelde kennis van relevante financiële producten (een geïnformeerde belegger kan een geïnformeerde beleggingsbeslissing nemen op basis van gereguleerde en geautoriseerde aanbiedingsdocumentatie, samen met kennis en begrip van de specifieke factoren/risico's die daarin worden benadrukt)
• enige ervaring in de financiële sector</xs:documentation>
               <xs:documentation xml:lang="es">02020: Con una o más de las siguientes características:
• conocimiento medio de productos financieros relevantes (un inversor informado puede tomar una decisión de inversión informada basándose en la documentación de oferta regulada y autorizada, junto con conocimiento y comprensión de los factores/riesgos específicos destacados en ella)
• alguna experiencia en el sector financiero</xs:documentation>
               <xs:documentation xml:lang="it">02020: Con una o più delle seguenti caratteristiche:
• conoscenza media dei prodotti finanziari rilevanti (un investitore informato può prendere una decisione di investimento informata sulla base della documentazione di offerta regolamentata e autorizzata, insieme alla conoscenza e comprensione dei fattori/rischi specifici evidenziati al loro interno)
• una certa esperienza nel settore finanziario</xs:documentation>
               <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>
            </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: Anleger mit einer oder mehreren der folgenden Eigenschaften:
• gute Kenntnisse über relevante Finanzprodukte und -transaktionen
• Erfahrung in der Finanzbranche oder begleitet von professioneller Anlageberatung oder in einem diskretionären Portfoliomanagement</xs:documentation>
               <xs:documentation xml:lang="fr">02030: Investisseurs ayant une ou plusieurs des caractéristiques suivantes:
• bonne connaissance des produits et transactions financiers pertinents
• expérience dans le secteur financier ou accompagné de conseils d'investissement professionnels ou inclus dans un service de gestion discrétionnaire de portefeuille</xs:documentation>
               <xs:documentation xml:lang="nl">02030: Beleggers met een of meer van de volgende kenmerken:
• goede kennis van relevante financiële producten en transacties
• ervaring in de financiële sector of vergezeld van professioneel beleggingsadvies of opgenomen in een discretionair vermogensbeheer</xs:documentation>
               <xs:documentation xml:lang="es">02030: Inversores con una o más de las siguientes características:
• buen conocimiento de productos y transacciones financieras relevantes
• experiencia en el sector financiero o acompañado de asesoramiento de inversión profesional o incluido en un servicio de gestión discrecional de carteras</xs:documentation>
               <xs:documentation xml:lang="it">02030: Investitori con una o più delle seguenti caratteristiche:
• buona conoscenza dei prodotti e delle transazioni finanziarie rilevanti
• esperienza nel settore finanziario o accompagnato da consulenza professionale sugli investimenti o incluso in un servizio di gestione discrezionale del portafoglio</xs:documentation>
               <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>
            </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>
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