Investor Presentaiton
Disclaimer
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.
This Presentation contains certain statistical and market information relating to the banking sector in Poland, including information on the market share of certain banks and the
Bank. Unless attributed exclusively to another source, such market information has been calculated based on data provided by third party sources identified herein and includes
estimates, assessments, adjustments and judgments that are based on the Bank's experience and familiarity with the sector in which the Bank operates. Because such market
information has been prepared in part based upon estimates, assessments, adjustments and judgments and not verified by an independent third party, such market information is,
unless otherwise attributed to a third party source, to a certain degree subjective. While it is believed that such estimates, assessments, adjustments and judgments are
reasonable and that the market information prepared is appropriately reflective of the sector and the markets in which the Bank operates, there is no assurance that such
estimates, assessments and judgments are the most appropriate for making determinations relating to market information or that market information prepared by other sources
will not differ materially from the market information included herein.
The Presentation contains forward-looking statements. All statements other than statements of historical fact included in the Presentation are forward-looking statements. Any
historical information is not indicative of future performance. Forward-looking statements give the Bank's current expectations and projections relating to its financial condition,
results of operations, plans, objectives, future performance and business. These statements may include, without limitation, any statements preceded by, followed by or including
words such as "target," "believe," "expect," "aim," "intend," "may," "anticipate," "estimate," "plan," "project," "will," "can have," "likely," "should," "would," "could" and other words
and terms of similar meaning or the negative thereof. Such forward-looking statements involve known and unknown risks, uncertainties and other important factors beyond the
Bank's control that could cause the Bank's actual results, performance or achievements to be materially different from the expected results, performance or achievements
expressed or implied by such forward-looking statements. Such forward-looking statements are based on numerous assumptions regarding the Bank's present and future business
strategies and the environment in which it will operate in the future.
No representation, warranty or undertaking, express or implied, is made as to, and no reliance should be placed on, the fairness, accuracy, completeness or correctness of the
Presentation or the opinions contained therein or the assumptions on which such opinions are based. The Presentation has not been independently verified (including review and
verification of any rating agency, government entity, regulatory body or listing authority) and will not be updated. The Presentation, including but not limited to forward-looking
statements, applies only as of the date of this document and is not intended to give any assurances as to future results. The Bank expressly disclaims any obligation or undertaking
to disseminate any updates or revisions to the Presentation, including any financial data or forward-looking statements, and will not publicly release any revisions it may make to
the Presentation that may result from any change in the Bank's expectations, any change in events, conditions or circumstances on which these forward-looking statements are
based, or other events or circumstances arising after the date of this document. Market data used in the Presentation not attributed to a specific source are estimates of the Bank
and have not been independently verified.
This Presentation does not purport to identify all of the risks (direct or indirect) and information which may be associated with any decision relevant in respect of an offering of the
Securities. Nothing in this Presentation should be construed as legal, tax, regulatory, accounting or investment advice.
The distribution of this Presentation in certain jurisdictions may be restricted by law and persons into whose possession this Presentation or any document or other information
referred to herein comes should inform themselves about and observe any such restrictions. Any failure to comply with these restrictions may constitute a violation of the securities
laws of any such jurisdiction. This Presentation and any materials distributed in connection with this Presentation are not directed to, or intended for distribution to or use by, any
person or entity that is a citizen or resident or located in any locality, state, country or other jurisdiction where such distribution, publication, availability or use would be contrary
to law or regulation or which would require any registration or licensing within such jurisdiction. The Bank and the Dealer do not accept any liability to any person in relation to the
distribution or possession of this Presentation in or from any jurisdiction.
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