Subordinated bonds

This communication is an advertisement within the meaning of the Prospectus Regulation (EU) 2017/1129 and is not intended for distribution in the United States or any other jurisdiction where such distribution would be unlawful. Prior to making any investment decision, investors should carefully read the Prospectus approved by the Estonian Financial Supervision Authority (the “EFSA”), including the Prospectus Summary, the Terms and Conditions, and the Final Terms of the bonds, in order to fully understand the potential risks and rewards associated with investing in the unsecured subordinated bonds of Bigbank AS (the “Issuer”). Investors are also advised to consult with an expert, if needed. The bonds are being publicly offered only in Estonia, Latvia, and Lithuania. The Prospectus, together with its supplements, is available on the websites of the Issuer at investor.bigbank.eu and the EFSA at www.fi.ee. The approval of the Prospectus by the EFSA should not be considered an endorsement of the bonds.