Disclaimer for U.S. persons

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Limitation of use and liability
The following information was prepared by WL BANK AG Westfälische Landschaft Bodenkreditbank (WL BANK).   

The information contained herein represents the state of affairs at the time of publication. WL BANK is not obliged to inform about any changes to the information contained herein or to the legal situation. All details contained herein were carefully compiled on the day of their preparation and are based on the state of affairs at this point in time. Insofar as third parties receive updated information, this does not entitle you to demand an updated version of the following details.

The details serve the sole purpose of your information and are not intended as a recommendation to buy, sell or hold any securities. WL BANK does not make any representation or warranty, whether express or implied, as to their accuracy, completeness or correctness. You as the investor must not rely on the information. We do not take on any liability for possible losses in connection with the use of the following information. The investment possibilities presented are not suitable for all investors. You as the investor must adjust your investment decision to an individual decision and your financial situation and make use of independent financial counselling at your own discretion. This also includes that you as the investor must inform yourself about the state of affairs and the legal situation at the time of your investment decision.

The following information is not to be construed as an offer to buy in the USA or for U.S. persons.

The securities described were not and will not be registered under the U.S. Securities Act of 1933 or with any securities regulatory authority of any US federal state or any other jurisdiction in the USA, and they must not be offered or sold, neither directly nor indirectly, in the USA, unless these securities are so registered or there is an exemption from the registration requirements.

This presentation may be restricted by law in certain jurisdictions. Persons in possession of this presentation are herewith expressly required to inform themselves about and observe any restrictions. The information must not be used in any other way in any such jurisdiction.

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Transparency Requirements. Disclosure Requirements. Required by Law.

WL BANK regularly publishes information about its business activities in accordance with the legal requirements.

Transparency Requirements. § 28 of the German Pfandbrief Act. 

In accordance with § 28 of the German Pfandbrief Act, a Pfandbrief bank is required to publish on a quarterly basis in a publicly accessible form, for example on its website, information relating to the respective end of the quarter.

As a Pfandbrief bank, WL BANK complies with the transparency requirements of § 28 Pfandbrief Act in the following download as pdf (63 KB): 

Requirements § 28 German Pfandbrief Act Date
Transparency requirements 31.03.2012
Transparency requirements 31.12.2011
Transparency requirements 30.09.2011
Transparency requirements 30.06.2011
Transparency requirements 31.03.2011
Transparency requirements 31.12.2010
Transparency requirements 30.09.2010
Transparency requirements 30.06.2010
31.03.2010

Disclosure Requirements. § 26a of the German Banking Act.

WL BANK complies with the disclosure requirements according to §26a of the German Banking Act in connection with §§ 319 et seq. of the Solvency Regulation. In this regard, we refer to the disclosures of the WGZ BANK-Group (see Infocenter).

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