Investor Presentaiton

Indicative Term Sheet Issuer Currency and Exp. Deal Size Maturity First Call Date Optional Redemption Dates Special Event Redemption Status Loss Absorption Mechanism Write-Down Coupon Stucture/ Interest Governing Law Listning Target Market Denomination Documentation Alandsbanken Abp (Ticker: AABHFH) SEK 300 M Perpetual [ ] 2026 The Issuer may redeem all, but not some only, of the notes on the first call date (as defined in the Final Terms) or on any subsequent interest payment date thereafter at their redemption price subject to the Competent Authority approval The issuer may redeem all, but not some only, of the notes at their redemption price at any time on the relevant date fixed for redemption in case of a Capital Event subject to the Competent Authority approval. The issuer may redeem some or all of the notes at their redemption price at any time on the relevant date fixed for redemption in case of a Tax Event subject to the Competent Authority approval Deeply subordinated Senior only to holders of the Issuer's CET1 Instruments and any other obligations or capital instruments of the Issuer that rank or are expressed to rank junior to the AT1 Notes Permanent full write-down upon breach of 7.125% CET1 Ratio of the Issuer or the Group Floating Rate Notes/ Floating (quarterly) Any payment of the interest can only take place from the Issuer's Distributable Items and may be cancelled at the Issuer's discretion or mandatorily as required by Applicable Banking Regulation Finnish Law Helsinki Stock Exchange MiFID II professionals/eligible counterparties only (all distribution channels). No PRIIPs key information document (KID) has been prepared as not available to retail in EEA SEK 2,000,000 Under the Issuer's EUR 3,000,000,000 Medium Term Note, Covered Bond, Tier 2 Note and Additional Tier 1 Capital Note Programme dated 12 March 2021 53 ÀLANDSBANKEN

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