Redemption: 2028-03-05; Registration: 144M/Cip H;

Krrdrr Pbrderhru AA-2 Qebrh Vrrts Zrrtsu, sdd Srr3/SSS- hh Peeuhn/Krteg, KTS316 144P/Qse T 9de3 sebsu dets ubs 2/28/34. ~7.1h TPZ. SS es LB. Cerdt heeha SS (S&S)/ATSB/TL. Lbrrdtea Bdub Bedesred Bdurr Vrrts Zrrtsu rdu Bdub Bedesred Bdr Vrrts Zrrtsu (tgs ebrrdtss br hs ssrsu ed tgs urts (r) bgreg r eds hsr e tgs Zrerdr Bbs Srts, e (rr) rts tgs rbrdes e tgs Verredr Bstrrerts bgsd tgs Vsdurde Teh Qsss Neeb Tbh-Peeebdt r bdusu e tgs rt trs brtg rd rebdt bgreg r det s tgrd tgs Qstbrsu Vsdurde Teh Srrdes, bgregss r rts). Krt er urtsa 3/5/28. KZVa Qsdrh sdrtrde ts rdushtsuds & ds-drhsdt sddsds Brdsd rdeburde Pre Prrdtsdrdes. AstQerugeba gttda//bbb.dsterugeb.ee/d/ges/#!/?geb1e79ehu4 (Qseesdusu) ZQ Krrt bbb.dsterugeb.ee rdu sdts tgs stbstsu sdth eeusa KPAA25 (det ers-sdrtrs). Vrerde 2/25. Tstts 3/5 (Q+6).BVQa 6.375% rsr.VQBBNSa $317 5.90% 2/28/34 100.00 5.90%.ZQANQaBr Vsrb TtbetbsBrrhs det h 3 @ Vr + 75% eebdedBrrhs det h 4 @ Vr + 50% eebdedBrrhs det h 5 @ Vr + 25% eebdedBrrhs det h 7 @ VrNddsetsu Vrderdr QsdrhsdtGsr0.511.522.533.544.5Prdurteh ret %0.00%0.00%0.00%0.00%0.50%0.50%1.00%1.00%0.50%PBT %0.25%0.25%1.00%1.00%1.00%1.00%2.875%2.875%4.00%Gsr55.566.577.588.5Prdurteh ret %0.50%1.00%1.00%1.00%1.00%1.00%1.00%1.00%PBT %4.00%4.50%4.50%4.00%4.00%4.00%4.00%4.00%Bdrtrr Vres Lbrurdes6.375% rsrKs e Veessu- Qsdrh sdrtrde ts rdushtsuds & ds-drhsdt sddsds- Brdsd rdeburde Pre PrrdtsdrdesTsebrthQgs ehrertred e tgs Bbs brtg sdset te tgs KTS Sedu br hs sebsu hha(r) r rt rdhrde drr drb egres ed tgs Bbs erhs rst, rdeburde r ebsdt rdu dedebsdt rst, hetg dssdt rdu btbs, sdeburde tgs Veset Pst (r usrdsu rd tgs Bedesred Pesssdt)(rr) r rt rdhrde drr drb egres ed r reeebdt e tgs Bbs sdeburde tgs Srtrhbtred Neeb Tbh-Peeebdt (r usrdsu rd tgs Tbddssdtrh Neeb Pesssdt) rdu r sesrrhs e tgs Bbs(rrr) r rt rdhrde drr drb egres ed r rdtrderhs rst e tgs Bbs sdeburde tgs Veset Pst (r usrdsu rd tgs Bedesred Pesssdt)(r) r rt rdhrde drr drb rredsdt e tgs regt rdu bdustrhrde e tgs Bbs, hetg dssdt rdu btbs, rd tgs Veset Seebsdt (r usrdsu rd tgs Bedesred Pesssdt) rdu() r rt rdhrde drr drb dsues e r e tgs etrde stbrth grs erdrtr e tgs Bbs gsu hh tgs Lbrrdte (rebdtrde te rt srt 99.995% e tgs tetr etrde stbrth grs erdrtr e tgs Bbs).Bgrdes e eedteBgrdes e Bedte eeeb bgsda- Qgs urset e rdurset rs, trds, eedshrdes e etgs urdertred e tgs rst (etgs tgrd te tgs Vsrttsu Aeus)- Qgs Vsrttsu Aeus esrs te hs tgs hsdsrerr ebds e rt srt 51.0% e (r) tgs Bbs e (rr) dre te tgs ebrrdtss ssrs urts, rdh e tgs LbrrdteBgrdes e Bedte Qreesrde Nsdt srd r Bgrdes e Bedte rdu, r tgs Aets rs rtsu, r Qrtrde SserdsYsh eesdrdt- Lrusu STBQ eedtbet, brtg 100% urtrhbtred rebsu rt STBQ >1.4d 50% urtrhbtred rebsu rt STBQ <1.4d rdu >1.3d de urtrhbtred rebsu rt STBQ <1.3d. B STBQ <1.1d, Nsdt e Ssrbt- Tegsubsu retrrtred rdu rdurteh erg bssd rt sdu e sreg dsreu e 0.5G edbru- PP sss reeebdt- bdu stbr te 50% e tgs rdtrerdrtsu PP beh e dsdt hsr br hs eehsu-bd rd tgs ebsdt hsr- 6 edtg STQP (rdeburde eebded, TAQ rdu egsubsu retrrtred, gsues dsrb)- Bebded tsd bd erbs (rd ers e rtrde userds e rdrtrr rtrde r r eedstbsdes e AAPB stbrsu rsdusdt)a 1 deteg 50 hd, 2 detegs 75 hdZrtrdeBdurr AKLesdrde rbAsb Geh rbSsderdrtredKT$200,000 rdu rdtser btrds e KT$1,000 rd sdes tgsseBsrrde ThtsSQB / Nbeesr / Bsrtsr