DISCLAIMER – IMPORTANT

IMPORTANT: YOU MUST READ THE FOLLOWING DISCLAIMER BEFORE CONTINUING. ELECTRONIC VERSIONS OF THE MATERIALS YOU ARE SEEKING TO ACCESS ARE BEING MADE AVAILABLE ON THIS WEBSITE BY ALIOR BANK S.A. (THE “COMPANY”) IN GOOD FAITH AND ARE FOR INFORMATION PURPOSES ONLY.

THESE MATERIALS ARE NOT DIRECTED AT, ACCESSIBLE BY OR FOR RELEASE, PUBLICATION OR DISTRIBUTION IN OR INTO OR FROM, IN WHOLE OR IN PART, DIRECTLY OR INDIRECTLY, PERSONS LOCATED IN OR FROM THE UNITED STATES OF AMERICA (OTHER THAN TO QUALIFIED INSTITUTIONAL BUYERS ("QIBS") WITHIN THE MEANING OF RULE 144A UNDER THE SECURITIES ACT (AS DEFINED BELOW)), AUSTRALIA, CANADA, JAPAN OR ANY JURISDICTION WHERE THE EXTENSION OF AVAILABILITY OF THE MATERIALS TO WHICH YOU ARE SEEKING ACCESS WOULD BREACH ANY APPLICABLE LAW OR REGULATION OR WOULD REQUIRE ANY REGISTRATION OR LICENSING WITHIN SUCH JURISDICTION.

Please read this notice carefully – it applies to all persons who view this webpage. Please note that the disclaimer set out below may be altered or updated. You should read it in full each time you visit the site.

Viewing the materials you are seeking to access may not be lawful in certain jurisdictions. In other jurisdictions, only certain categories of person may be allowed to view such materials. Any persons who wish to view these materials must first satisfy themselves that they are not subject to any local requirements that prohibit or restrict them from doing so.

The materials do not constitute or form a part of any offer or solicitation to purchase or subscribe for securities in the United States Australia, Canada or Japan or in any jurisdiction in which such offers or sales are unlawful.  The information in the following pages is not intended for, and is not to be made available to, persons in the United States (other than to "qualified institutional buyers" ("QIBs") within the meaning of Rule 144A under the U.S. Securities Act of 1933, as amended), Australia, Canada, Japan or any jurisdiction where the extension of availability of the materials to which you are seeking access would breach any applicable law or regulation or would require any registration or licensing within such jurisdiction. Any announcements regarding securities offerings, or references to securities offerings, that are contained on these pages do not constitute an offering of those securities.

Any securities referred to in these materials have not been and will not be registered under the US Securities Act of 1933, as amended (the "Securities Act"), or under any applicable securities laws of any state, province, territory, county or jurisdiction of the United States, Australia, Canada or Japan. Accordingly, unless an exemption under the relevant securities laws is applicable, any such securities may not be offered, sold, resold, taken up, exercised, renounced, transferred, delivered or distributed, directly or indirectly, in or into the United States, Australia, Canada or Japan or any other jurisdiction if to do so would constitute a violation of the relevant laws of, or require registration of such securities in, the relevant jurisdiction. There will be no public offer of securities in the United States.

These materials are only addressed to and directed at (i) persons in member states of the European Economic Area (“EEA”) who are “qualified investors” within the meaning of Article 2(1)(e) of the Prospectus Directive (Directive 2003/71/EC, as amended, including by Directive 2010/73/EC) (“Qualified Investors”) or (ii) in the United Kingdom, Qualified Investors who (a) are investment professionals falling within Article 19(5) of the Financial Services and Markets Act 2000 (Financial Promotion) Order 2005, as amended (the "Order") or (b) high net worth entities falling within Article 49(2)(a) to (d) of the Order or (c) other persons to whom it may lawfully be communicated (all such persons together being referred to as "relevant persons").  This information must not be acted on or relied on (i) in the United Kingdom by persons who are not relevant persons, and (ii) in any member state of the EEA, other than the United Kingdom, by persons who are not Qualified Investors. In the United Kingdom any investment or investment activity to which the information relates is only available to relevant persons. In any member state of the EEA, other than the United Kingdom, any investment or investment activity to which the information relates is only available to Qualified Investors.

Bank Zachodni WBK S.A. and Powszechna Kasa Oszczędności Bank Polski S.A. Oddział - Dom Maklerski PKO Banku Polskiego w Warszawie each of which is authorised and regulated by the Polish Financial Supervision Authority in Poland and Goldman Sachs International and J.P. Morgan Securities Plc each of which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority in the United Kingdom (together the "Banks") are acting exclusively for the Company and no-one else in connection with the offering (the "Offering") referred to in the materials contained on these pages. They will not regard any other person as their respective clients in relation to the Offering and will not be responsible to anyone other than the Company for providing the protections afforded to their respective clients, nor for providing advice in connection with the Offering or the contents of any offering materials or any transaction, arrangement or other matter referred to in therein. The Banks, and any of their respective affiliates, are acting exclusively for the Company and no one else in connection with the Offering.  They will not regard any other person (whether or not a recipient of any document made available on this webpage) as their client in relation to the Offering and will not be responsible to anyone other than the Company for providing the protections afforded to their clients nor for giving advice in relation to the Offering or any transaction or arrangement referred to herein.

Basis of access
Access to electronic versions of these materials is being made available on this webpage by Alior Bank S.A. in good faith and for information purposes only. Any person seeking access to this webpage represents and warrants to Alior Bank S.A. that they are doing so for information purposes only. Making press announcements and other documents available in electronic format does not constitute an offer to sell or the solicitation of an offer to buy securities in Alior Bank S.A. Further, it does not constitute a recommendation by Alior Bank S.A. or any other party to sell or buy securities in Alior Bank S.A.

These materials have been made available to you in an electronic form. You are reminded that documents transmitted via this medium may be altered or changed during the process of electronic transmission and consequently neither the Company or the Banks, or any of their respective affiliates, directors, officers, employees or agents accepts any liability or responsibility whatsoever in respect of any difference between the document distributed to you in electronic format and any hard copy version. By accessing the linked document, you consent to receiving it in electronic form.

You are responsible for protecting against viruses and other destructive items. Your receipt of this document via electronic transmission is at your own risk and it is your responsibility to take precautions to ensure that it is free from viruses and other items of a destructive nature.

IF YOU ARE NOT PERMITTED TO VIEW MATERIALS ON THIS WEBSITE OR ARE IN ANY DOUBT AS TO WHETHER YOU ARE PERMITTED TO VIEW THESE MATERIALS, PLEASE EXIT THIS WEBPAGE.

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By clicking on the "I ACCEPT" button, I warrant that I am not located in the United States and am not resident or located in Canada, Australia, Japan or any other jurisdiction where accessing these materials is unlawful, and I agree that I will not transmit or otherwise send any materials contained in this website to any person in the United States, Canada, Australia, Japan or any other territory where to do so would breach applicable local law or regulation or would require registration or licensing within such jurisdiction.
In addition, by clicking the “I ACCEPT” button and accepting electronic delivery of these materials, I warrant that I am acting on behalf of, or I am either (i) a Qualified Investor in any member state of the EEA other than the United Kingdom; (ii) a relevant person in the United Kingdom, or (iii) outside the US and EEA and I am a person into whose possession this document may lawfully be delivered in accordance with the laws of the jurisdiction in which I am located.  

I have read and understood the disclaimer set out above. I understand that it may affect my rights and I agree to be bound by its terms. By clicking on the "I ACCEPT" button, I confirm that I am permitted to proceed to electronic versions of the materials.