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mBank Hipoteczny International Covered Bonds Programme Covered Bond Recognition Law & Jurisdiction Prospectus date Size Form Base Prospectus approval Authority Clearing System Listing Expected Covered Bonds Rating Maturity Interest rate Currency Denomination of Covered Bonds Involved Parties Issuer Arranger: Issuer's Counsel Dealers Counsel: Fiscal and Paying Agent: Luxembourg Listing Agent: Appointed Dealers Mortgage Covered Bond Programme by mBank Hipoteczny The Mortgage Covered Bonds shall comply with (i) the requirements of Article 52(4) of the UCITS Directive, (ii) Art. 129 of the CRR and (iii) the Polish Covered Bond legislation. T&C's: Polish Law and Polish Courts, English language legally binding Programme Agreement, Paying Agency Agreement: English Law and English Courts, English language legally binding 11th July 2019 - Supplemented 5th September, 4th October and 28th October 2019 EUR 3.0 bn New Global Note ECB repo eligible Commission de Surveillance du Secteur Financier, Luxembourg (CSSF) Clearstream Luxemburg Luxembourg Stock Exchange Moody's Investors Service Ltd -,,Aa3" Up to 30 years Fixed, floating Multi currency Minimum denomination of each Covered Bond will exceed EUR 100,000 or its equivalent amount in other currency mBank Hipoteczny Commerzbank Aktiengesellschaft Clifford Chance LLP as to Polish and English law White & Case LLP as to Polish and English law Deutsche Bank Aktiengesellschaft Deutsche Bank Luxembourg S.A. Commerzbank Aktiengesellschaft m mGroup Covered bonds Cover Pool Polish Economy Real Estate Market 31 Legislation

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