Disclaimer

The distribution of the information contained in the pages that follow may, in certain jurisdictions, be restricted by law. The information contained in the pages that follow or any other information relating to the listing of the notes may not be used for the purpose of, or in connection with, any offer or solicitation by anyone in any jurisdiction in which such offer or solicitation is not authorised or to any person to whom it is unlawful to make such offer or solicitation. No actions have been taken to register or qualify the notes, or otherwise to permit a public offering of the notes, in any jurisdiction outside of Finland. The notes may not be offered, sold, resold, transferred or delivered, directly or indirectly, in or into the United States, Australia, Canada, Hong Kong, Japan, Singapore or any other jurisdiction in which it would not be permissible to offer the notes, and the information contained in the pages that follow or any other information relating to the listing of the notes may not be sent to any person in the aforementioned jurisdictions.

The notes have not been, and will not be, registered under the U.S. Securities Act 1933, as amended (the "Securities Act") or with any securities regulatory authority of any state of the United States. The notes may not be offered, sold, pledged or otherwise transferred directly or indirectly within the United States or to, or for the account or benefit of, U.S. Persons (as defined in Regulation S under the Securities Act (the "Regulation S"), except to a person who is not a U.S. Person (as defined in Regulation S) in an offshore transaction pursuant to Regulation S.

In the United Kingdom, the information contained in the pages that follow and any other information relating to the listing of the notes may be distributed only to, and may be directed at, (a) persons who have professional experience in matters relating to investments falling within Article 19(1) of the Financial Services and Markets Act 2000 (Financial Promotion) Order 2005 (the "Order") or (b) high net worth entities falling within Article 49(2)(a) to (d) of the Order, and other persons to whom it may be lawfully communicated, falling within Article 49(1) of the Order (all such persons together being referred to as "relevant persons"). Any person who is not a relevant person should not act or rely on the information contained in the pages that follow and any other information relating to the listing of the notes.

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