Terms and conditions of instruments issued by Nordea Direct Boligkreditt AS

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IMPORTANT: You must read the following before continuing. This notice applies to the materials following this page and you are therefore advised to read this page carefully before reading, accessing or making any other use of the materials.

The document that follows this page (the “Issuance Document”) does not constitute an offer to sell or the solicitation of an offer to buy any securities discussed in the Issuance Document (“Securities”) in any jurisdiction to any person to whom it is unlawful to make such an offer or solicitation in such jurisdiction. The distribution of the Issuance Document and the offer, sale or delivery of Securities may be restricted by law in certain jurisdictions. In particular, no Securities have been or will be registered under the U.S. Securities Act of 1933, as amended (the “Securities Act”).

The issuer of the Securities, its affiliates or any intermediary do not represent that the Issuance Document may be lawfully distributed, or that any Securities may be lawfully offered, in compliance with any applicable registration or other requirements in any such jurisdiction, or pursuant to an exemption available thereunder, or assume any responsibility for facilitating any such distribution or offering. In particular, no action has been taken by the issuer of the Securities, its affiliates or any intermediary, which would permit a public offering of any Securities or distribution of the Issuance Document in any jurisdiction where action for that purpose is required. Accordingly, no Securities may be offered or sold, directly or indirectly, and neither the Issuance Document 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.

Persons into whose possession the Issuance Document or any Securities may come must inform themselves about, and observe, any such restrictions on the distribution the Issuance Document and the offering and sale of Notes. In particular, there are restrictions on the distribution of the Issuance Document and the offer or sale of Securities in the United States, Australia, Canada, New Zealand, South Africa, Japan and in the States of the European Economic Area.

THE ISSUANCE DOCUMENT OR ANY PART THEREOF OR ANY OTHER DOCUMENTS RELATING TO THE ISSUANCE DOCUMENT MAY NOT BE PASSED OR DISTRIBUTED IN THE UNITED STATES OR TO U.S. PERSONS (AS DEFINED IN REGULATION S UNDER THE SECURITIES ACT).