Investor Presentaiton
Disclaimer
IMPORTANT: The following applies to this document, the oral presentation of the information in this presentation by mBank Hipoteczny S.A. (the "Bank") or any person on behalf of the Bank, and any
Q&A session that follows the oral presentation (collectively, the "Presentation"). In accessing the Presentation, you agree to be bound by the following terms and conditions.
The Presentation and its contents are strictly confidential and are intended for use by the recipient for information purposes only and may not be reproduced, redistributed, published or passed on to
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immediately to the Bank. The Presentation is not directed to, or intended for distribution to or use by, any person or entity that is a citizen or resident of, or located in, any locality, state, country or other
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This document and its contents may not be viewed by persons within the United States or "U.S. Persons" (as defined in Regulation S under the Securities Act of 1933, as amended (the "Securities Act")).
The covered bonds referred to herein (the "Securities") have not been registered under the Securities Act or the laws of any state or other jurisdiction of the United States and the Securities may not be
offered or sold in the United States or to or for the account or benefit of U.S. Persons unless so registered, or pursuant to an exemption from, or in a transaction not subject to, the registration
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The Presentation is made to and directed solely at: (i) persons outside the United Kingdom, (ii) persons with professional experience in matters relating to investments falling within Article 19(5) of the
Financial Services and Markets Act 2000 (Financial Promotion) Order 2005 as amended (the "Order"), (iii) high net worth entities, and other persons to whom it may lawfully be communicated, falling
within Article 49(2)(a) to (d) of the Order and (iv) persons to whom an invitation or inducement to engage in investment activity (within the meaning of section 21 of the Financial Services and Markets
Act 2000) in connection with the issue or sale of any securities of the Bank or any member of its group may otherwise lawfully be communicated or caused to be communicated (all such persons in (i)-
(iv) above being "Relevant Persons"). Any investment activity to which the Presentation relates will only be available to and will only be engaged with Relevant Persons. Any person who is not a Relevant
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constitute a recommendation regarding the Securities. The Presentation is an advertisement for the purposes of EU Directive 2003/71/EC (as amended or re-enacted) (the "Prospectus Directive"), does
not constitute an offering document or listing particulars in compliance with the regulations or rules of any stock exchange and does not comprise a prospectus for the purposes of the Prospectus
Directive. Prospective investors are required to make their own independent investigations and appraisals of the business and financial condition of the Bank and the nature of the Securities before
taking any investment decision with respect to the Securities. Full information on the Bank and definitive terms of the offer of the Securities is only available on the basis of the combination of the of
Base Prospectus dated 11 July 2019, as supplemented on 5 September 2019 (the "Base Prospectus") and the final terms in relation to the relevant offering (the "Final Terms") which will be published on the
Luxembourg Stock Exchange website (www.bourse.lu) and on the website of the Bank (www.mhipoteczny.pl). This Presentation may contain information different from the Base Prospectus and the
Final Terms. Therefore, the Presentation is qualified in its entirety by the information in the Base Prospectus and the Final Terms for the proposed transaction on which your investment decision must be
based. No part of this Presentation, nor the fact of its distribution, should form the basis of, or be relied on in connection with, any contract or commitment or investment decision whatsoever.
The Presentation has been prepared by the Bank. Any dealer acting in connection with the offering of the Securities (the “Dealer") is acting exclusively for the Bank and no one else, and will not be
responsible for providing advice in connection with the Presentation to any other party. Subject to applicable law, none of the Bank or the Dealer accepts any responsibility whatsoever and makes no
representation or warranty, express or implied, for the contents of the Presentation, including its accuracy, completeness, fairness or verification or for any other statement made or purported to be made
in connection with the Bank, the Presentation or the Securities and nothing in this document or at this presentation shall be relied upon as a promise or representation in this respect, whether as to the
past or the future. The Bank and the Dealer accordingly disclaim all and any liability (including any liability for damages for misrepresentation under the UK Misrepresentation Act 1967) whatsoever,
whether arising in tort, contract or otherwise (save as referred above) which any of them might otherwise have in respect of the Presentation or any such statement
Covered Bonds Investor Presentation
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