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8 Three Markets - Two Strategies The Åland Islands • 3 offices + 2 rep offices, market share > 50% • Full product range offered • A bank for everyone Finland • 5 offices in affluent parts of Finland, market share > 1% • • Sweden Full product range offered but “bread and butter" services only as complement to Private Banking and Premium Banking services offering Targeted segment: High Net Worth / Affluent Individuals and their companies Vaasa Tampere Turku Parainen Helsinki Åland Islands Stockholm · 3 offices in Sweden's largest cities, market share < 1% Gothenburg • • Full product range offered but "bread and butter" services only as complement to Private Banking and Premium Banking services offering Targeted segment: High Net Worth / Affluent Individuals and their companies Malmö ALANDSBANKEN

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