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The contemplated demerger is governed by the laws of Finland. No action has been taken, except in Finland, in order to register the shares in Mandatum Plc or for the public offering of shares. The prospectus in accordance with the Prospectus Regulation (EU 2017/1129) relating to the demerger, may not be delivered to persons in the United States, Australia, Canada, Hong Kong, Japan, New Zealand, South Africa or Singapore and must not be copied in any way whatsoever. Sampo plc requires that the respective persons inform themselves of and observe these restrictions. Neither Sampo plc, Mandatum plc nor their representatives have any kind of legal responsibility for violations of these restrictions whether or not such restrictions were known to prospective investors.

The shares in Mandatum plc have not been, and will not be, registered under the US Securities Act of 1933, as amended ("US Securities Act"), or with any regulatory authority of any state or other jurisdiction in the United States, and may only be offered, sold, exercised, transferred or delivered, directly or indirectly, in or into the United States pursuant to an exemption from, or in a transaction not subject to, the registration requirements of the US Securities Act and in compliance with applicable state and other securities laws.

The shares in Mandatum plc have not been and will not be listed on a US securities exchange or quoted on any inter-dealer quotation system in the United States. Neither Sampo plc nor Mandatum plc intends to take any action to facilitate a market in Mandatum plc shares in the United States. Consequently, it is unlikely that an active trading market in the United States will develop for the Mandatum plc shares.