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The tender offer based on the information contained on the following web pages (the "Tender Offer") is not being made, and the relevant tender offer document (the "Tender Offer Document") and related acceptance forms are not and may not be distributed, directly or indirectly in any jurisdiction where offering or offer participation would be prohibited by applicable law, or where any tender offer document or registration or any other requirement would apply in addition to those undertaken in Finland. In particular, no tender offer will be made directly or indirectly in or into, or by use of the postal service or any other means (including, without limitation, facsimile, telex, telephone or the Internet) or any facilities of a securities exchange of, the United States, Canada, Japan, Australia, South Africa or Hong Kong.

 The statements on this page apply to any materials related to the Tender Offer and related information on the following web pages, and you are therefore advised to read this carefully before reading, accessing or making any other use of such information. In accessing this website, you agree to be bound by the following terms and conditions, including any modifications to them any time you receive any information from us as a result of such access.

 The information contained on the following web pages related to any offering of securities does under no circumstance constitute a tender offer of the securities of Pohjola Bank plc ("Pohjola Bank") directly or indirectly in any jurisdiction in which the making or acceptance thereof would not be in compliance with the securities or other laws or regulations of such jurisdiction or would require any registration, approval or filing with any regulatory authority not expressly contemplated by the Tender Offer Document contained on the following web pages.

 The information contained on the following web pages is only directed at persons who are outside the United States, Canada, Japan, Australia, South Africa and Hong Kong, such persons together with certain other persons to whom this information may lawfully be communicated being referred to as "Relevant Persons". Any person who is not a Relevant Person should not act or rely on the following web pages or any of their contents.

 Persons obtaining and/or into whose possession the Tender Offer Document and related information contained on the following web pages comes are required to take due note and observe all such restrictions and obtain any necessary authorizations, approvals or consents. The distribution of the Tender Offer Document and related information contained on the following web pages in jurisdictions other than Finland may be restricted by law and, therefore, persons into whose possession the Tender Offer Document and related information comes should inform themselves about and observe such restrictions. Any failure to comply with any such restrictions may constitute a violation of the securities law of any such jurisdiction. The Tender Offer Document and related information contained on the following web pages and related acceptance forms are not and may not be distributed, forwarded or transmitted into or from any jurisdiction where the making or acceptance thereof would not be in compliance with the securities laws or other laws or regulations of such jurisdiction, by any means, including without limitation mail, facsimile transmission, e-mail, telephone or the Internet.

 Information on this website is in an electronic form. You are reminded that documents transmitted via this medium may be altered or changed during the process of electronic transmission, and consequently neither Pohjola Bank nor the offeror or the manager of the Tender Offer, nor any person who controls Pohjola Bank or the offeror or the manager of the Tender Offer, nor any director, officer, employee or agent of Pohjola Bank or the offeror or the manager of the Tender Offer or their respective affiliates, accepts any liability or responsibility whatsoever in respect of any difference between any information that you access on this website in electronic format and any hard copy versions.

 Confirmation: In order to be eligible to view the information on this website, you shall confirm that the representations in sections (i) to (iii) below apply. By accessing this website you represent to us that (i) you do not live in the United States, Canada, Japan, Australia, South Africa or Hong Kong, or any other country in which any distribution of materials related to the Tender Offer for securities of Pohjola Bank, or acceptance of such Tender Offer, would not be in compliance with the laws or regulations of that country; (ii) you consent to delivery of this information by electronic transmission; and (iii) you have read, and you accept as binding on you, the information as well as the terms and conditions contained on this page.

I accept and understand the aforesaid.