The terms of this User Terms (hereinafter referred to as "User Terms") apply to this website (www.swedbank.fi) of Swedbank AB (publ), Finnish Branch with its principal place of business located at Kasarmikatu 25A, 00130 Helsinki, Finland (E-Mail: info@swedbank.fi, Tel: +358 20 746 9100) and registered in the Finnish Trade Register maintained by the Finnish Patent & Registration Office with Business ID 1973378-1 (hereinafter “Swedbank”).

The operations of Swedbank are supervised by Finansinspektionen (www.fi.se).

By accessing the Swedbank web site and or using the information and services provided on or via this website you agree to be bound by this User Terms. In the event of any conflict between the terms and conditions of specific products and services and this User Terms, the conditions specific to such products and services shall prevail.

Unless otherwise expressly permitted, the information on this website should not be relied upon by persons outside of the EU/EEA, whatever their citizenship or type of legal entity, when forming an investment decision with respect to securities or any other product being offered or sold by the Bank and/or any of its affiliates from time to time or be seen as a recommendation or offer to provide or sell, or the solicitation of an offer to acquire or purchase, products or services in a third country or to persons in such country.

In particular persons, who currently are either in the United States or are U.S. persons (as such terms are defined in Regulation S under the U.S. Securities Act of 1933, as amended), should not rely on information on this website when forming an investment decision with respect to any securities being offered and sold by the Bank and/or any of its affiliates from time to time. The offer and sale of securities in the United States or to U.S. persons shall be made exclusively by means of a prospectus or other offering document prepared, and specified to be, for that specific purpose. Furthermore, access to this website (including any such prospectus or offering document) shall not be deemed an offer to provide or sell, or the solicitation of an offer to acquire or purchase, products or services in the United States or to U.S. persons. No such persons may acquire or purchase products or services by means of this website, and no offers to acquire or purchase products or services made by such persons will be acknowledged or accepted.

With regards to citizens in the U.K., nothing on this website should be construed as a solicitation or offer, or recommendation, to acquire or dispose of any investment or to engage in any other transaction, or to provide any investment advice or service (within the meaning of, or as permitted by, the U.K. Financial Services and Markets Act 2000).

In addition, this website is addressed to and directed only at, and should only be relied upon by, persons who have professional experience in matters relating to investments falling within Article 19(5) of the Financial Services and Markets Act 2000 (Financial Promotion) Order 2005, as amended (the “Order”), persons who are high net worth entities falling within Article 49(2)(a) to (d) of the Order or are persons to whom it may otherwise be lawful to communicate it to (all such persons being referred to as “Relevant Persons”).

Swedbank and its affiliates may from time to time have positions or holdings in securities or may be providing or seeking to provide corporate finance and debt capital markets services to such companies or issuers that are directly or indirectly referred to in research documents or recommendations accessible on or through this website.

The contents of this site are provided on an "as is", "as available" basis. Swedbank or third parties do not make any warranties about the site or its contents. Swedbank shall not be liable for any expenses, losses or damages (direct, indirect, special, incidental, consequential, punitive, or exemplary damages, including but not limited to financial losses and lost profits) arising in any way from the access to or use of the site even if Swedbank had known about a defect in the site or its contents.

Swedbank or third parties, if expressly specified, retain the ownership, copyright © and all other immaterial rights of the site. All rights are reserved in all countries. The publication, reproduction, transfer or storage of the contents of the site in whole or in part is forbidden unless the holder of the title, copyright, title or other immaterial right has granted permission for such an action. The prohibition does not apply to storage on a computer or printing for personal use only. The contents may be quoted according to the applicable copyright legislation. When the contents are quoted the source shall have to be indicated. The trademarks or logos included on the site may, however, not be reproduced, published or distributed without the previous written consent of the holder of the title.

Participants in discussion forums, chat rooms, debates and similar on the Swedbank web site must only submit materials to which they hold the copyright or materials where they have in some way obtained this right. A participant who submits materials is deemed, as and when the materials are submitted, to consent to Swedbank's storing, disseminating and publishing the materials, electronically or otherwise.

Where Swedbank provides text links to third party websites, such links are not an endorsement by Swedbank of any products or services provided on or via such websites. The use of such links is entirely at your own risk and Swedbank accepts no responsibility or liability for the content, use or availability of such websites. Swedbank has not verified the truth, accuracy, reasonability, reliability or completeness of any content of such websites.

All links to the Swedbank web site shall be opened in a separate window.

All material linked from the Swedbank web site shall be opened in a separate window, and may not be presented in connection with the trademark or logotype of any other website if not otherwise agreed in writing with Swedbank.

This web site and its User Terms Notice shall be governed by and construed in accordance with the laws of this country. All disputes arising out of or in connection with these User Terms shall be submitted to the exclusive jurisdiction of the courts of this country.