SLIDE 1
mBank Group
A Leading Bank in One of EU’s Strongest Economies
Debt Investor Presentation
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Disclaimer (1/2)
These materials have been prepared by mBank S.A. (the "Bank"). Any person or entity considering making any investment based upon information contained in these materials should ensure that they are properly, independently and professionally advised. These materials were designed for use by specific persons familiar with the business and affairs of the Bank and its subsidiaries and affiliates and should be considered only in connection with other information, oral or written, provided by the Bank (or any subsidiary or affiliate) herewith. These materials are not intended to provide the sole basis for evaluating, and should not be considered as a recommendation with respect to, any transaction or other matter. The information in these materials, which does not purport to be comprehensive, has been provided by the Bank and has not been independently verified. While this information has been prepared in good faith, no representation or warranty, express or implied, is or will be made and no responsibility or liability is or will be accepted by the Bank or any of the Bank's subsidiaries or affiliates or by any of their respective officers, employees or agents in relation to the accuracy or completeness of these materials or any other written or oral information made available to any interested party or its advisers and any such liability is expressly disclaimed. By attending the presentation or by accepting this document you represent, warrant and undertake that (i) you have read and agree to comply with the contents of this notice; (ii) you will treat and safeguard as strictly private and confidential this document and its contents and any comments made during the presentation and agree not to reproduce, redistribute or pass on, directly or indirectly, to any other person or published, in whole or in part, for any purpose. Neither this document nor any copy of it may be taken or transmitted into the United States of America, its territories or possessions or distributed, directly
- r indirectly, in the United States of America, its territories or possessions or to any U.S. person (as defined in Rule 902 of Regulation S under the U.S.
Securities Act of 1933, as amended (the "Securities Act")). The Bank's securities have not been, and will not be, registered under the Securities Act, and may not be offered or sold in the United States. Neither this document nor any copy of it may be taken or transmitted into Australia, Canada or Japan or to Canadian persons or to any securities analyst or
- ther person in any of those jurisdictions. Any failure to comply with these restrictions may constitute a violation of Australian, Canadian or Japanese
securities law. The distribution of this document in other jurisdictions may be restricted by law and persons into whose possession this document comes should inform themselves about, and observe, any such restrictions. The securities referred to herein have not been and will not be registered under the applicable securities laws of Canada, Australia or Japan and, subject to certain exceptions, may not be offered or sold within Canada, Australia or Japan or to any national, resident or citizen of Canada, Australia or Japan. This document is only being distributed to, and is only directed at, (1) persons who are outside the United Kingdom or (2) investment professionals falling within Article 19(5) of the Financial Services and Markets Act 2000 (Financial Promotion) Order 2005 (the "Order") or (3) high net worth companies, and
- ther persons to whom it may lawfully be communicated, falling within Article 49(2)(a) to (d) of the Order (all such persons together being referred to as
"Relevant Persons"). Any invitation, offer or agreement to subscribe, purchase or otherwise acquire any securities of the Bank will be engaged in only with, Relevant Persons. Any person who is not a Relevant Person should not act or rely on this document or any of its contents. These materials may not be communicated to or distributed in the Republic of Italy and no securities may be offered, sold or delivered nor any copy of any
- ther document relating to the securities may be distributed in the Republic of Italy, in accordance with the Italian applicable laws and regulations, including
in a way that would constitute an offer to the public as defined in Article 1, paragraph 1, letter (d) of Legislative Decree No. 58 of 24 February 1998, as amended (the Financial Services Act) or to qualified investors (investitori qualificati), as referred to in Article 100 of the Financial Services Act and Article 34- ter, first paragraph, letter b) of CONSOB Regulation No. 11971 of 14 May 1999, as amended from time to time. The information in this presentation is given in confidence and the recipients of this presentation should not engage in any behaviour in relation to qualifying investments or related investments (as defined in the Financial Services and Markets Act 2000 (FSMA) and the Code of Market Conduct (or equivalent) made pursuant to FSMA) which would or might amount to market abuse for the purposes of FSMA.