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Important information for US persons

The material on the webpage www.lhv.ee / www.lhv.lt / www.lhv.lv and it sub-pages (hereinafter Webpage) is not directed at and is not intended for United States citizens, residents or any other person present in the United States of America and/or individuals, who are "US persons", as defined in Regulation S under the Securities Act. The information contained on this Webpage is not an offer to provide, or a solicitation of any offer to buy or sell products or services in the United States of America. No United States citizens, residents or residents of other countries who are temporarily present in the United States may purchase any products or services of AS LHV Pank (hereinafter LHV) or AS LHV Varahaldus, and neither LHV or AS LHV Varahaldus will accept an application to purchase products or services from any such person.

It is not permitted to send any market situation overviews, forecasts, positions or other information published on this Webpage, directly or by third parties without prior written consent of LHV, to United States citizens, residents or any other person present in the United States of America and/or individuals, who are "US persons", as defined in Regulation S under the Securities Act..

Persons present in the United States of America and/or individuals, who are "US persons", as defined in Regulation S under the Securities Act, are not permitted to access this Webpage.

Although carefully verified, LHV can give no warranty or guarantee for the accuracy, adequacy and quality of the prices of securities and information concerning the transactions statistics displayed in the Webpage. LHV shall not assume responsibility for the consequences of the use of information displayed in the Webpage.

Securities market surveys, comments, opinions and forecasts regarding the prices of securities and general trends on securities markets reflect the subjective vision of the specialists of LHV. LHV shall not assume responsibility for the mentioned surveys, comments, opinions and forecasts nor for the consequences of the use of them. The comments, opinions and forecasts shall not deemed to be investment advice or recommendation to the visitors of Web page, except where otherwise indicated.

The user of the Webpage confirms that he/she shall not make his/her investment decisions based only on the comments, opinions and forecasts displayed in the Webpage.

All Webpage contents, including layout and software are the property of LHV except where otherwise indicated and it can be used only for private use. Page contents can not be copied, reproduced, circulated or disclosed to third parties without the written consent of LHV.

When using the Webpage the user confirms that he/she is familiar with these terms, understands them and accept them fully.