Important Legal Information

THE INFORMATION CONTAINED HEREIN IS ADDRESSED TO INVESTORS RESIDING IN COUNRTIES WHERE INVESTMENTS IN SECURITIES LISTED ON REGULATED MARKETS ARE NOT FORBIDDEN. AVAILABILITY OF ANY SERVICES AND/OR PRODUCTS DESCRIBED BELOW IS SUBJECT TO LEGAL AND OTHER FORMALITIES. BlueOrange (legal name - “AS BlueOrange Bank”) RETAINS FULL RIGHT TO REQUEST FROM THE CLIENT (ALSO POTENTIAL) ANY INFORMATION AND/OR DOCUMENTS IT MAY DEEM NECESSARY FOR EVALUATION OF THE SERVICE/PRODUCT SUITABILITY AND APPROPRIATENESS TO THE CLIENT.

The information contained herein may not be a proprietary information of BlueOrange, therefore BlueOrange does not act as a legal advisor and does not make any warranties and representations regarding compliance of the provided information with effective legal enactments, including regulations of “Nasdaq Riga”.

BlueOrange is the arranger of the notes issues and by presenting this material; the arranger is the conflict of interest situation. Policy for prevention of conflicts of interest is available on the arranger’s web page: https://www.blueorangebank.com/api/file/2803


No Offer

Nothing contained herein constitutes an offer, solicitation or recommendation regarding any investment product or service, or the offer to sell or the solicitation of an offer to buy any financial instrument; nor shall any such services be provided, or financial instruments be offered or sold, in any jurisdiction in which such an offer, solicitation, provision or sale would be unlawful. All content is subject to applicable statutes and regulations. This material is published in the Republic of Latvia for residents of the Republic of Latvia. Investors outside of the Republic of Latvia are subject to securities and tax regulations within their applicable jurisdictions that are not addressed in this material. Any potential investor should satisfy himself that an investment in any product and/or service mentioned in this material is permissible under the rules and regulations of his or her domicile. The material is not directed to any person in any jurisdiction where (by reason of that person's nationality, residence or otherwise) the publication or availability of the material is prohibited.

The information provided is for informational purposes only and investors should determine for themselves whether a particular service or product is suitable and appropriate for their investment needs or should seek such professional advice for their particular situation. Please refer to offering documents for further information concerning specific products.

Certain of the statements contained herein may be statements of future expectations and other forward-looking statements that are based on Balitkums' current views and assumptions and involve known and unknown risks and uncertainties that could cause actual results, performance or events to differ materially from those expressed or implied in such statements. In addition to statements which are forward-looking by reason of context, the words “may, will, should, expects, plans, intends, anticipates, believes, estimates, predicts, potential, or continue” and similar expressions identify forward-looking statements. BlueOrange assumes no obligation to update any forward-looking information contained herein.

Investments

Past performance is no guarantee of future results. Investing in the financial markets is subject to certain risks including market, interest-rate, issuer, credit, and inflation risk. The value of investments, and the income from them, can go down as well as up, and you may not recover the amount of your original investment. Where investments involve currency exposure, changes in rates of exchange may cause the value of the investment to go up or down. Any tax benefits referred to in this material are subject to change and their availability and value will depend on your individual circumstance.

No Reliance

Although BlueOrange has taken reasonable care to ensure that the information contained within this material is accurate, no representation or warranty (including liability towards third parties), expressed or implied, is made as to its accuracy, reliability or completeness by BlueOrange. Nothing contained in this material constitutes investment, legal, tax or other advice and is not to be relied on in making an investment or other decision.

No Warranty

The information and opinions contained in this material are provided ‘as is’ without any warranty of any kind, either expressed or implied, to the fullest extent permissible pursuant to applicable law. You are responsible for evaluating the adequacy, accuracy, reliability, merchantability, non-infringement, completeness of any information or the content available in this material or fitness for any particular purpose with respect to the material or any of its content.