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Investor Presentaiton

Andbank Disclaimer - Important notices The information provided on this Report is not intended for distribution to, or use by, any person or entity in any jurisdiction where such distribution or use would be contrary to local law, or which would subject us or any Issuer, to any authorisation, registration or other requirement within such jurisdiction. You agree not to use or export the information or materials available on this Report in violation of laws in your jurisdiction. TERMS OF USE The Report is intended for use as a directory of information relating to covered bond products ("Products") (the "Product Information") by the issuer of ("Issuer"), or potential investor in ("Investor"), such Products (an Issuer, Investor, or any other person accessing this report, each a "User" or "you"). This report does not constitute, nor contain, any form of credit rating, any offer to sell (or the solicitation of an offer to purchase) any Product, nor does it constitute a recommendation, or investment advice (or any other type of advice) upon which reliance should be placed. These terms and conditions together with the documents referred to in them set out the terms of use ("T&Cs") on which (a) an Issuer; (b) Investor; or (c) any other User, may make use of the Report. The General T&Cs apply to all Users. INVESTOR T&Cs 1. DIRECTORY SERVICES The Report is intended to provide you with certain information from Issuer regarding the its Products. The Report is intended to increase transparency, improve investor access to information, and improve liquidity in covered bonds, but it is not a substitute in any way for each User's independent investment and credit evaluation. The Product Information on this Report is provided for your convenience only, and does not constitute any form of credit rating, an offer to sell (or the solicitation of an offer to purchase) any Product, nor does it constitute a recommendation, or investment advice (or any other type of advice) upon which reliance should be placed. Users shall exercise independent judgment when viewing the Report and its contents, to make their own investigations and evaluations of the information contained on this Report or accessible through it, and to consult their own attorney, business adviser, tax adviser, and/or any other professional necessary, as to legal, business, tax and investment-related matters concerning the Products and Product Information contained on this Report. No information contained on the Report should be construed as legal, tax, investment, or accounting advice. 2. USE OF MATERIALS Subject to any prohibitions or restrictions stated in third party websites accessible via hyperlinks in the Report over which we have no control, you may view the content published on this Report, and you are welcome to print hard copies of, and/or download, material on it for your personal use or internal business purposes (in which case you are required to preserve in your copies any copyright materials displayed in the original materials and otherwise to acknowledge the Report as the source of the material). All downloading of material from the Report must be in accordance with our Acceptable Use Policy. All other copying is strictly prohibited. 3. PROHIBITED USES You may use the Report for lawful purposes only. You may not use the Report: ⚫in any way that breaches any applicable local, national or international law or regulation; in any way which breaches or contravenes our content standards (see para 2 below); in any way that is unlawful or fraudulent, or has any unlawful or fraudulent purpose or effect; ⚫ to transmit, or procure the sending of, any unsolicited or unauthorised advertising or promotional material or any other form of similar solicitation (spam); or ⚫ to knowingly transmit any information, send or upload any material that contains viruses, Trojan horses, worms, time-bombs, keystroke loggers, spyware, adware or any other harmful programs or similar computer code designed to adversely affect the operation of any computer software or hardware. You also agree: ⚫ not to reproduce, duplicate, copy or re-sell any part of the Report in contravention of the provisions of our Terms of Use; and ⚫ not to access without authority, interfere with, damage or disrupt: any part of the Report; ⚫ any equipment or network on which the Report is stored; ⚫ any software used in the provision of the Report; or ⚫ any equipment or network or software owned or used by any third party.
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