The base prospectus of OP Mortgage Bank ("Bank") provided on this website comprises a base prospectus or any supplemental thereto (separately or together "Base Prospectus") for the purposes of Article 8 of Regulation (EU) 2017/1129 on the prospectus to be published when securities are offered to the public or admitted to trading on a regulated market.

The distribution of the Base Prospectus and the offer or sale or acquiring of Bonds may be restricted by law in certain jurisdictions. The Bank do not represent that the Base Prospectus may be lawfully distributed, or that any Bonds there under may be lawfully offered, in compliance with any applicable registration or other requirements in any such jurisdiction, or such distribution or offering or acquiring. Accordingly, no Bonds may be offered or sold, directly or indirectly, and neither the Base Prospectus nor any advertisement or other offering material may be distributed or published in any jurisdiction, except under circumstances that will result in compliance with any applicable laws and regulations.

In the paragraph "Subscription and Sale" of the Base Prospectus there are certain restrictions on offers, sales and delivers of the Bonds. Persons into whose possession the Base Prospectus or any Bonds may come must inform themselves about and observe any such restrictions on the distribution of the Base Prospectus and the offering and sale and acquiring of Bonds. In particular, there are restrictions on the distribution of the Base Prospectus and the offer or sale of Notes in, including but not limited to, the United States, the United Kingdom, Singapore, Japan, and the European Economic Area (including Finland).

The Bonds have not been and will not be registered under the United States Securities Act of 1933, as amended, and are subject to U.S. tax law requirements. Subject to certain exceptions, Bonds may not be offered, sold or delivered within the United States or to, or for the account or benefit of, U.S. persons.

Access to the Base Prospectus and any Final Terms through this website is provided for informational and reference purposes only and neither the Base Prospectus nor any Final Terms issued there under constitute an offer or invitation to subscribe for or purchase, sell or acquire any of the Bonds issued by the Bank in any way. Neither is the information provided on this website intended to constitute investment advice of any kind. All of the Bonds+ referred to on this website have been previously offered, sold and delivered.

I accept and understand the aforesaid.