Investor Presentaiton

Cover pool key characteristics - 93.3% single family housing with low LTVs Q3 2016 4 Cover pool balance by loan category Weighted average LTV - Indexed 100% Summer houses ■ Multi-family housing 1 296 5,7% 573 ■Public sector 90% 2,5% 218 1,0% ■Tenant owner units 10 645 46,8% 80% ■Single family 70% houses 10 015 44,0% 60% 50% 40% Cover pool balance by geographical area 30% ☐ Greater Helsinki area 42,4% North/Middle Finland 12,3% 20% West Finland 10% 23,8% South Finland 21,5% 0% Single family houses Tenant owner units Multi-family houses • • Pool mainly includes single family houses and tenant owner units. The main part of real estates are located in greater Helsinki but are otherwise evenly distributed between western, northern and southern part of Finland. . Low WALTVs in the pool Nordea

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