Key financial data of BOŚ S.A. Group

BOŚ S.A. Group 2013

Key financial data of BOŚ S.A. Group BOŚ S.A. Group 2013 2012 Change Y/Y ROE (Group) Net interest income 277 878 286 520-3,0% Net commission & fee income 109 947 100 589 9,3% Net operating income 500 756 469 980 6,5% Gross profit 74 661 37 928 96,8% Net profit 65 903 33 841 94,7% Loans & cash advances to customers 12 054 541 11 122 492 8,4% Deposits 13 196 075 11 816 320 11,7% Assets 18 417 105 16 866 539 9,2% 2,6 4,5 2012 2013 Bank 2013 2012 Change Y/Y C/I (Group) Net interest income 268 534 275 895-2,7% Net commission & fee income 87 208 77 853 12,0% Net operating income 427 829 428 965-0,3% Gross profit 68 229 57 035 19,6% Net profit 62 911 54 836 14,7% Loans & cash advances to customers 12 057 714 11 115 344 8,5% Deposits 13 224 043 11 828 787 11,8% Assets 18 331 881 16 774 505 9,3% 80,5% 73,1% 2012 2013 Slajd 2 z 35

Key information about BOŚ S.A. Group BOŚ S.A. Group 100% BOS Finance AB Bank Ochrony Środowiska S.A. 100% BOŚ Eko Profit S.A 99.52% BOŚ Invest Management Sp. z o.o. 100% MS Wind Sp. z o.o. 0.48% 100% 99.998% 100% Dom Maklerski Banku Ochrony Środowiska S.A. BOŚ Nieruchomości Sp. z o.o. 0.002% BOŚ Nieruchomości Sp. z o.o. SKA Structure 17 Branches 78 Operating branches Headquarters 11 Corporate centers Shareholders Number of branches 43,38% 56,62% 98 95 National Fund for Environmental Protection Others 2012 2013 Slajd 3 z 35

Management Board Mariusz Klimczak President of the Management Board Mr Klimczak coordinates the total body of the Bank activities, including Managerial and Organizing Division. In banking secor since 1996, in BOŚ since 2008. Stanisław Kolasiński Vice-President First Deputy President of the Management Board Mr Kolasiński is in charge of Risk Division. In banking secor since 1992, in BOŚ since 2009. Przemysław Lech Figarski Vice-President of the Management Board Mr Figarski is in charge of Retail Division. In banking secor since 1989, in BOŚ since 2011. Adam Zbigniew Grzebieluch Vice-President of the Management Board Mr Grzebieluch is in charge of Support Division responsible for IT, telecoms and technology projects. In banking secor since 1994, in BOŚ since 2008. Krzysztof Wojciech Telega Vice-President of the Management Board Mr Telega is in charge of Corporate and Treasury Divisions. In banking secor since 1991, in BOŚ since 2008. Slajd 4 z 35

Customers of the Bank Source: Bank, numbers in thou Number of customers Number of customers using electronic channels +14 K +0,5 K 200 215 217 231 118 118 110 109 2010 2011 2012 2013 2010 2011 2012 2013 Debit and credit cards* Number of accounts* -16 K +17 K 141 163 132 116 202 196 202 219 2010 2011 2012 2013 2010 2011 2012 2013 * drop in the number of cards in connection with the exchange of cards from Maestro to Mastercard. * Including savings accounts Slajd 5 z 35

Marcroeconomic background 1/2 GDP, consumption and investment dynamics Inflation 6,0 % YoY GDP consumption investment (right axis) % YoY 5,0 30 25 6,0 % YoY CPI core inflation 4,0 3,0 20 15 4,0 2,0 10 1,0 0,0 5 0 2,0-1,0-5 -2,0-10 0,0 Employment and salaries dynamics Unemployment rate 6 4 2 % YoY % YoY 10 5 15 14 13 12 % YoY (K) 400 300 200 100 0 0 11 0-2 -4-6 employment real salary (right axis) nominal salary (right axis) -5-10 10 9 8 annual change in number of unemployed unemployment rate -100-200 -300 Slajd 6 z 35

Marcroeconomic background 2/2 Deposits dynamics Loans dynamics 30 deposits deposits od individuals % YoY % YoY 25 deposits of institutions 20 30 25 20 50 40 30 % YoY % YoY loans consumer loans institutional loans mortgages 50 40 30 15 15 20 20 10 10 10 10 5 5 0 0 0 0-10 -10 7,0 % Interest rates 5,0 PLN PLN exchange rate 4,0 5,0 4,5 3,5 3,0 3,0 NBP reference rate WIBOR 3M 5y bond yield 4,0 PLN/EUR PLN/USD (right axis) PLN/CHF (right axis) 2,5 1,0 3,5 2,0 Slajd 7 z 35

Ratios of BOŚ S.A. Group Net interest margin vs net interest income (m PLN) ROA vs total assets (bn PLN) 290 280 270 260 250 240 230 220 1,7% 1,7% 1,7% 1,6% 1,8% 1,8% 1,8% 287 1,5% 273 278 244 2010 2011 2012 2013 Net interest income Net interest margin (right axis) Net interest margin for Bank (right axis) 3,0% 2,0% 1,0% 0,0% 20 18 16 14 12 10 8 6 4 2 0 15,2 18,4 15,6 16,9 0,5% 0,4% 0,4% 0,4% 0,4% 0,3% 0,4% 0,2% 2010 2011 2012 2013 Total assets ROA (right axis) ROA for Bank (right axis) 1,5% 1,0% 0,5% 0,0% ROE vs capital (m PLN) C/I vs total income (m PLN) 1 600 10% 1 400 1 200 1 000 800 600 400 200 6,3% 5,6% 5,6% 5,5% 1 083 1 162 4,4% 1 442 1 481 4,4% 2,6% 4,5% 8% 6% 4% 2% 1 200 1 000 800 600 400 200 76,0% 76,6% 909 80,5% 76,4% 1 090 74,4% 74,1% 1 125 73,1% 70,4% 1 044 90% 80% 70% 60% 0 2010 2011 2012 2013 0% 0 2010 2011 2012 2013 50% Slajd 8 z 35 Capital ROE (right axis) ROE for Bank (right axis) Total income C/I (right axis) C/I for Bank

Financial results of BOŚ S.A. Group Item 2013 2012 Change thou PLN 73 77 97% 75 Net interest income 277 878 286 520-3,0% Net commission & fee income 109 947 100 589 9,3% Dividend income 3 829 3 746 2,2% Net operatin income 68 360 32 040 113,4% Result on investment securities 20 020 27 071-26,0% Net income on hedge accounting -145-2 102-93,1% Foreign exchange result 20 869 22 116-5,6% Operating profit 500 758 469 980 6,5% General administrative expenses -365 945-372 619-1,8% Net impairment loses -60 193-52 313 15,1% Net profit 65 903 33 841 94,7% Assets 18 417 105 16 866 539 9,2% Loans & cash advances to customers 12 054 541 11 122 492 8,4% Deposits 13 196 075 11 816 320 11,7% 2010 2011 2012 2013 Gross profit Higher operating profit by 6.5% Decrease of general administrative expenses by 1.8% Growth of loans by 8.4% 38 Fee and commission income (m PLN) Total assets (m PLN) 4% 9% 101 110 16 867 18 417 2012 2013 2012 2013 Slajd 9 z 35

Interest and fee income Net interest income of BOŚ S.A. Group (m PLN) 69 68 68 69 68 70 74 73 66 66 69 77 After 2Q another quarterly improvement in net interest income and net fee and commission income. 1Q11 2Q11 3Q11 4Q11 1Q12 2Q12 3Q12 4Q12 1Q13 2Q13 3Q13 4Q13 Net fee and commission income of BOŚ S.A. Group (m PLN) Quarterly increase of the Group s net interest income by 11.9% and net fee and commission income by 9.2%. Net commission income in DM BOŚ higher by 22.7% (4Q vs. 3Q 2013). 20 21 21 17 19 20 20 19 20 22 22 23 8 7 6 10 7 6 6 4 5 5 6 7 1Q11 2Q11 3Q11 4Q11 1Q12 2Q12 3Q12 4Q12 1Q13 2Q13 3Q13 4Q13 Slajd 10 z 35 Bank Subordinates

Result on banking activities of BOŚ S.A. Group Result on banking activities of BOŚ S.A. Group (m PLN) 11% 7% 470 22% 60% 501 14% 22% 9% 55% Net fee and commission income +9.4 m Y/Y Operating income +30.8 m Y/Y 2012 2013 Net interest income Net fee and commission income Net trading income Others Result on banking activities of BOŚ S.A. Group (m PLN) in 2010-2013 462 497 470 501 2010 2011 2012 2013 Slajd 11 z 35

Thou Thou Thou Cost of credit BOŚ S.A. Group (m PLN) 2011 2012 2013 0-20 -43-52 -60-40 -0,37% -0,46% -0,51% 0,0% -0,2% -0,4% -0,6% BOŚ S.A. Group net impairment loses per quarter (thou PLN) 4Q 2012 4Q 2013-15 -19-60 Net impairment loses Risk margin (right axis) -0,8% -80 Net impairment loses deterioration by 15.1% Y/Y Risk margin rise by 0.05 pp Y/Y Risk Margin annualized net impairment loses for given period / average balance of gross loans and advances to customers for given period. Retail (m PLN) -1,0% The rise by 26.5% (4Q 2013 vs. 4Q 2012) due to additional provision for loans granted to client from construction sector. Corporate and public finance (m PLN) 0 2011 2012 2013 0,0% 0 2011 2012 2013 0,0% -10-0,31% -14-0,47% -0,28% -22-14 -0,5% -5-10 -15-20 -25-25 -0,37% -38-0,2% -0,4% -20-1,0% -30-35 -40-0,58% -0,67% -47-0,6% -0,8% -30 Net impairment loses Risk margin (right axis) -1,5% -45-50 Net impairment loses Risk margin (right axis) -1,0% Slajd 12 z 35

Balance sheet m PLN Loans and advances to customers 12 055 11 122 8,4% Derivative financial instruments 4 670 3 937 18,6% Cash and deposits with the Central Bank 893 1 050-15,0% Deposits with other banks, loans and advances to other banks 152 119 28,2% Other assets 648 638 1,5% Total assets 18 417 16 867 9,2% Amounts due to customers 13 196 11 816 11,7% Amounts due to other banks 443 466-4,8% Liabilities under banking securities issued Item 31.12.13 31.12.12 Change 2 733 2 586 5,7% Other liabilities 564 557 1,2% Total equity 1 481 1 442 2,7% Total liabilities 18 417 16 867 9,2% Higher volumes: Loans +8.4% Y/Y Amounts due to customers +11.7% Y/Y Total assets + 9.2% Y/Y 26% Assets - structure 9% 65% Loans and advances to customers Securities Cash and other assets Credits / Deposits 91,3% 94,1% -2,8 p.p. 15 637 15 729 15 995 Total assets (m PLN) 17 684 17 626 16 867 16 419 17 999 18 417 Liabilities - structure 2% 3% 8% 15% Amounts due to customers Liabilities under banking securities issued Amounts due to other banks Other liabilities 72% Equity Slajd 13 z 35

Liabilities per division Category Division Customers Corporate and public finance (5.6 bn PLN) Corporate customers (4.7 bn PLN) Public finance (0.9 bn PLN) BOŚ S.A. Group Amounts due to customers (13.2 bn PLN) Retail clients (5.2 bn PLN) Ecological funds (0.6 bn PLN) Debt securities issued (2.7 bn PLN) Loans from financial institutions and ecolological funds (2.3 bn PLN) Loans and advances from international financial institutions (1.3 bn PLN) Subordinated debt (0.3 bn PLN) Other clients (0.1 mld zł) Ecological funds resources intended for lending (0.4 bn PLN) Slajd 14 z 35

Gross loans and advances per division Division Customer group including Loan portfolio (capital as of 31.12.13) of which eco-loan portfolio Corporate clients (4.5 bn PLN) Medium and large enterprises 2.4 bn PLN Corporate and public finance Public finance (2.9 bn PLN) Small enterprises Local governments 2.1 bn PLN 2.5 bn PLN 2.67 bn PLN (35.9% of the corporate and public finance division s loan portfolio) BOŚ S.A. Group Municipal entreprises 0.3 bn PLN Retail Retail clients (4.9 bn PLN) Microenterprises and homeowner associations Retail clients 0.2 bn PLN 4.7 bn PLN 0.18 bn PLN (3.6% of the retail division s loan portfolio) Slajd 15 z 35

Eco-loans Balance of eco-loans (m PLN) 29% Constant increase of eco-loans share in total loans. 6% 2094 2209 46% 8% 46% 2847 60% 34% Retail Public finance Corporate 2011 2012 2013 Eco-loans sales (m PLN) 699 757 186% 2163 12% 22% 66% Bank is focused on financing projects in the following areas: energy efficiency, renewable energy sources, collection and waste management, wastewater and sewage, as well as structured finance. 11% 5% 84% Retail Corporate Public finance Slajd 16 z 35 2011 2012 2 013

Lending portfolio quality 24% 40% Retail Corporate 28% 41% 12 359 Public finance 31.12.2013 36% 31.12.2012 12 055 11 418 31% 11 122 1% 1% 57% 42% 52% 47% Gross loans and advances -305 Write-offs -295 Net loans and advances Gross loans and advances Write-offs Net loans and advances Ratio of non-performing loans by segments 12,2% 12,9% 11,1% 6,2% 3,3% 4,8% 7,1% 5,6% 5,4% 5,6% 4,0% 4,2% 2011 2012 2013 Slajd 17 z 35 Corporate and public finance loans Mortgages Other retail Retail total

Brokerage DM BOŚ Number of accounts at the end of 2013 (thou) Number of new accounts (thou) 10,0 9,0 9,0 8,7 80,0 73,0 8,0 70,0 63,1 7,0 60,0 50,0 40,0 30,0 20,0 10,0 0,0 Source: Bank 9,9 Forex Internet General 6,0 5,0 4,0 3,0 2,0 1,0 0,0 2,0 5,1 4,4 1,6 2012 2013 Forex Internet General Market shares (sessions transactions) Shares Futures Options 21,8% 14,8% 20,2% 17,8% 2,1% 2,7% 2012 2013 2012 2013 2012 2013 Source: WSE Slajd 18 z 35

Important events for BOŚ Bank in 2013 Confirmation of the Bank's long-term rating at 'BBB' by Fitch Ratings. BOŚ S.A. was the first institution in Europe which used the whole amount of JESSICA funds in one of the supported regions. First accomplished investments within JESSICA Initiative: Stary Browar in Kościerzyna, new kindergardens in Jastrzębiu-Zdroju, Multicentrum Stara Kablownia in Czechowice-Dziedzice and diagnostic and medical center in Kołobrzeg. Supporting customers with the Bank's web-based platform with transactional service BossaFund. Extending the portfolio to 16 investment management companies and 195 investment funds. BOŚ ATMs joined Euronet. Almost 2.2 bn PLN of newly signed eco-credit agreements in 2013. The dynamics of factoring turnover in BOŚ was higher over 40 % - the turnover increased from PLN 1.18 bn to more than PLN 1.65 bn. Slajd 19 z 35

Awards for BOŚ Bank in 2013 BOŚ S.A. was among four Polish companies listed in the EU ranking of 1 000 enterprises financing and focusing on innovation (EU Industrial R&D Investment Scoreboard 2013). Third place in the ranking of the most dynamic companies offering factoring services in 1H 2013 according to Gazeta Finansowa. Second place for the Bank in "Banking Brands in the media report, in the part titled "The presence of banking brands in traditional media, prepared by Press Service Monitoring Mediów (September 2013). First place for the Bank for the best Internet image according to Gazeta Bankowa report How Google perceives the banks (November 2013). Bank s economists were awarded the first place in the economic forecast ranking for 2013 by Gazeta Giełdy Parkiet. Five initiatives of Bank and Fundacja BOŚ were classified in the report "Responsible Business in Poland 2013. Good practices by Responsible Business Forum (the report will be published in April 2014). Among them were: eko-polska.pl - project combining social responsibility of the banking institution with the promotion of pro-environmental attitudes, umocnij swój biznes - offer, which combines the ecological and educational effects with immediate benefits for business, 2 złote dla Zwierzaka - action promoting and supporting the protection of nature, Szkolne Smaki Szkoły dobrego żywienia - a series of conferences about healthy nutrition, POMAGAM CAŁY ROK - program of regular individual philanthropy. Slajd 20 z 35

Important events for DM BOŚ in 2013 Expansion of product offer Bossa Zagranica access to on-line investing in shares of companies on foreign exchanges (NYSE, NASDAQ, LSE, Deutsche Boerse). Equity CFD opportunity to trade in shares listed on the Warsaw Stock Exchange through the platform BOSSAFX under CFD. BossaFund investment products from Noble Funds TFI were implemented; at the end of September BossaFund offered 195 investment funds managed by 16 investment companies. BossaBank implementation of a new sales platoform of BOŚ S.A. Group; joint project of DM BOŚ SA and BOŚ Bank S.A. Prizes and awards Second place in the ranking of Forbes magazine and SII for the best brokerage for retail investors - the eighth season on the podium. Award from Gazeta Parkiet for the best Forex transaction platform for BossaFX. Award from the President of the Warsaw Stock Exchange for the cooperation of DM BOŚ, as the market maker, with WSE on the futures market. Participation in the consolidation of the market Customer acquisition - implementation of the decision of FSA on the transfer of client assets from DnB Nord Brokerage, DM AmerBrokers and DnB Nord to DM BOŚ. The largest increase in market volume of new investment accounts in 2013. Slajd 21 z 35

New projects and products Slajd 22 z 35 Slajd 22 z 34

Innovative Bank w Interet Challenge Solution Implementation Increased growth of new customers acquisition BOSSABANK - innovative solution for new customers allowing to temporary "park" their funds, medium-term savings at an attractive price and to invest in the market of investment funds in conjunction with insurance protection. START: December 2013 Increase loyalty and sales to existing customers EKO-POLSKA is a meeting place for ecocommunity and people who believe in the credo "I + eco" and the essence of BOŚ mission, promoting healthy lifestyles, environmental solutions, with a possibility to use BOŚ credit offer. START: September 2013 Sales and automation of communication with clients without visiting the branch office New intrenet pages adjusting financial offer for the purpose of reducing the cost of living of the family, especially in terms of energy bills, through OZE solutions and eco-product specialization of the Bank. START: February 2014 Slajd 23 z 35

New Model BOŚ branch office: greater efficiency, lower costs Income: The increase of number of selling advisors per branch office by adding the functions and responsibilities of each Director and head of sales. Focusing on selected products with higher margins, mostly pro-ecological loans and advances at the expense of reduction / cancellation of less profitable products. Advisors will have more time for clients due to the back-office centralization and cash automation. Creating a new, positive image (eco-branch office). Costs: Reduction of number of employees as a result of matching the scale of the business in a every single branch starting from Q2'14. Implement automation of cash handling (recyclers). Reduction of the space in line with the new model and the modernization of the facility. Withdrawal from unprofitable outlets which do not meet additional business criteria. The opening of offices in the new standard in smaller towns, according to the network development plan. Slajd 24 z 35

BOŚ EKOsystem hybrid heating system Includes: Boiler Solar module PV instalation Heat pump HEAT PUMP HEATING Solar collector PV instalation Heat pump Benefits for clients: Savings in operating costs. Comfort and convenience in use. Health and safety. Innovation and full control. Extra space. IT solutions supplier Insurance package Management and energy storage Slajd 25 z 35

BOŚ EKOsystem who can benefit? Those interested in a comprehensive solution that will serve in the newly built house. People interested in replacing conventional boiler (eg coal), looking for savings in the cost of house heating. BOŚ EKOsystem in 5 steps: Client orders BOŚ EKOsystem. Recommendation of the best solution. Formalities in one place. Finding the funding. Client uses BOŚ EKOsystem in his house. Slajd 26 z 35

SAMOspłacający się dom SELFpaying house Innovative initiative of BOŚ S.A. - the property, which earns on itself by producing electricity. The photovoltaic system with a capacity of 40 kw and revenues from the sale of surplus energy after entering into force of the Act on Renewable Energy Resources ( Ustawa o OZE ). House generates savings through the use of environment-friendly solutions and devices which reduce energy consumption such as solar panels, heat pumps and energy-efficient appliances. 100 thou = houses within 5 years = market worth 60 bn PLN: +1 pp GDP/year, 50 thou new jobs (including 15 thou in construction sector). Polish companies participating in the project: BOŚ Bank S.A., Murator, Amica, Barlinek, Black Red White, Opoczno, Cersanit. Required customer's own contribution: a plot of at least 2 thou m². Slajd 27 z 35

EkoKredyt PV EcoCredit PV Domestic photovoltaic installations - own electricity for your house: Real savings in the household budget. Innovation and full control. Comfort and convenience in use. Ecology and energy security. The comprehensive offer of the Bank: Help from the ecology advisers the best financing of photovoltaic installation. 20% discount on the purchase and installation of photovoltaic system through collaboration with suppliers. Help in completing the formalities. Preferential financing up to 100% of investment costs. Insurance. Slajd 28 z 35

Jessica JESSICA European Support for Sustainable Investment in City Areas - European Commission initiative developed in collaboration with the European Investment Bank and the Council of Europe Development Bank. It supports regeneration and sustainable urban development through financial engineering mechanisms. BOŚ S.A. was the first institution in Europe which used the whole amount of JESSICA funds in one of the supported regions. BOŚ signed 23 contracts in 3 voivoidships. Slajd 29 z 35

Portfolio Guarantee Line De Minimis BOŚ offers loans under the government program of loan guarantees granted by Bank Gospodarstwa Krajowego : Offer designed for SME. Guaranteeing loans for current funding. Amount of individual guarantee: up to 60% of the loan amount (max. PLN 3.5 m; max. 27 months). 0% margin fee (in the 1st year of the guarantee granted by 31 Dec 2013; 0.5% afterwards). Security for BGK - blank promissory note and statement of execution. Slajd 30 z 35

Appendices Slajd 31 z 34 Slajd 31 z 35

Financial results of BOŚ S.A. Group thou PLN 2013 2012 Change Y/Y Interest income and similar income 774 227 902 545-14,2% Interest expense and similar charges -496 349-616 025-19,4% Net interest income 277 878 286 520-3,0% Fee and commission income 140 345 130 805 7,3% Fee and commission expense -30 398-30 216 0,6% Net commission & fee income 109 947 100 589 9,3% Dividend income 3 829 3 746 2,2% Net trading income 68 360 32 040 113,4% Result on investment securities 20 020 27 071-26,0% Result on hedge accounting -145-2 102-93,1% Foreign exchange result 20 869 22 116-5,6% Other operating income 16 731 6 493 157,7% Other operating expenses -16 690-13 613 22,6% Net impairment loses -60 193-52 313 15,1% General administrative expenses -365 945-372 619-1,8% Gross profit 74 661 37 928 96,8% Income tax charge -8 758-4 087 114,3% Net profit 65 903 33 841 94,7% Slajd 32 z 35

Consolidated statement of financial position thou PLN 31.12.13 2013 Change Y/Y Cash and deposits with the Central Bank 892 566 1 049 542-15,0% Deposits with other banks, loans and advances to other banks 152 425 118 901 28,2% Held-for-trading securities 7 532 25 811-70,8% Derivative financial instruments 129 590 88 093 47,1% Hedging derivatives 27 146 36 317-25,3% Loans and advances to customers 12 054 541 11 122 492 8,4% Investment securities 4 670 032 3 937 399 18,6% Investment in assosiate 3 681 517 3 039 782 21,1% Assets held for sale 988 515 897 617 10,1% Intangible assets 22 830 22 830 0,0% Property, plant and equipment 171 251 169 649 0,9% Income tax assets 116 741 116 698 0,0% Other assets 135 542 146 193-7,3% Total assets 18 417 105 16 866 539 9,2% Amounts due to the Central Bank 21 148-85,8% Amounts due to other banks 443 228 465 528-4,8% Derivative financial instruments 85 401 69 198 23,4% Hedging derivatives 14 872 20 842-28,6% Deposits from customers 13 196 075 11 816 320 11,7% Liabilities under banking securities issued 2 733 179 2 585 519 5,7% Subordinated debt 327 155 326 714 0,1% Provisions 11 196 20 205-44,6% Income tax liabilities 3 135 872 259,5% Other liabilities 122 298 119 334 2,5% Equity 1 480 545 1 441 859 2,7% Total equity and liabilities 18 417 105 16 866 539 9,2% Slajd 33 z 35

Disclaimer Neither this document nor any information contained herein may be distributed in the United States, Canada, Japan or Australia. This document is not an offer for the sale of any securities in the United States. The securities of Bank Ochrony Środowiska S.A. ( Company ) have not been and will not be registered under the United States Securities Act of 1933, as amended (the Securities Act ) or any state regulations and may not be offered or sold in the United States or to US Persons (as defined in Regulation S issued under the Securities Act of 1933) absent registration or an exemption from registration under the Securities Act, or in a transaction not subject to the registration requirements of the Securities Act or any state regulations. Neither this document nor any copy of it may be transferred to or transmitted in the United States, Canada, Japan or Australia Canada or distributed or redistributed in Japan, United States or Australia or to any resident thereof. This document does not constitute or form part of any offer to sell or issue, or an invitation to make an offer to purchase any securities, nor shall it or any part of it or the fact of its distribution form the basis of, or be relied on or referred to in connection with, any contract. This document is directed only at persons who are (a) outside the United Kingdom or (b) persons who have professional experience in matters relating to investments falling within the definition of investment professionals in Article 19(5) of the Financial Services and Markets Act 2000 (Financial Promotion) Order 2005 (the Order ) or (c) high net worth entities, and other persons to whom it may lawfully be communicated, falling within Article 49(2)(a) to (d) of the Order (all such persons together being referred to as Relevant Persons ). The securities referred to in this document shall be made available only to the indicated persons and any invitation, offer or obligation to subscribe for, purchase or otherwise acquire such securities mill only be made available to or placed by the relevant persons. None other than a relevant person may rely on or refer to this document or any part hereof. This document is merely a promotional instrument and should not, in any circumstances, be relied upon in making decisions as to investments in the Company securities. This document is not to be distributed, directly or indirectly, in the United States of America or in other jurisdictions where public distribution of the information contained herein could be subject to restrictions or be prohibited by law. This document does not constitute an offer to sell or an invitation to subscribe for or acquire any securities. This document may include forward-looking statements which means any statements using such words as will, would, should, expect, intend, estimate, anticipate, project, future, potential, believe, seek, plan, aim, objective, goal, strategy, target, continue and similar expressions or their negatives. These forward-looking statements are subject to known and unknown risks, uncertainties and assumptions and other factors that could cause the Company's actual results of operations, performance or growth, to differ materially from those expressed in, or suggested by, these forward-looking statements. The Company has no obligation to update publicly or revise publicly any forward-looking statements contained herein, whether as a result of new information, future events, changed circumstances or any other reason after the date of this document. Slajd 34 z 35

Contact for Investors: E-mail: investor.relations@bosbank.pl Web page: www.bosbank.pl BOŚ Bank S.A. Investor Relations Team 32, Żelazna Str. 00-832 Warszawa Slajd 35 z 35