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Welcome to Northern Providence Investments' new website.

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TERMS AND CONDITIONS OF ACCESS TO THIS WEBPAGE

THE MATERIALS CONTAINED HERE IN ARE NOT FOR RELEASE, PUBLICATION OR DISTRIBUTION, DIRECTLY OR INDIRECTLY, IN WHOLE OR IN PART, INTO OR WITHIN THE UNITED STATES, AUSTRALIA, CANADA, JAPAN, SOUTH AFRICA, OR ANY OTHER JURISDICTION WHERE IT IS UNLAWFUL TO DISTRIBUTE THE MATERIALS CONTAINED HEREIN.

BEFORE ENTERING THIS WEBSITE, PLEASE READ CAREFULLY THE FOLLOWING IMPORTANT TERMS AND CONDITIONS THAT GOVERN YOUR ACCESS TO, AND USE OF, THIS WEBSITE, AND ACKNOWLEDGE YOUR AGREEMENT TO THEM. IF YOU AGREE TO THE TERMS, CLICK “I AGREE” AT THE BOTTOM OF THIS PAGE TO ENTER THIS WEBSITE. IF YOU DO NOT CLICK “I AGREE” YOU WILL NOT BE ABLE TO ENTER THIS WEBSITE.

Access to and use of this website (the “Website“) is conditional upon your agreement to and compliance with the terms and conditions (the “Terms and Conditions“) of access to the website. You acknowledge and agree to the Terms and Conditions and agree not to undertake any act or omission that would constitute a breach of these Terms and Conditions. By accessing the materials on the Website (the “Materials“), you agree to be bound by and have notice of such Terms and Conditions (in addition to any other information in the Materials).

This Website should not be relied on for making any investment decision in relation to the purchase of Notes. Any investment decision should be made solely on the basis of a careful review of the Prospectus (the Securities Note and Summary together with the Registration Document of the Issuer dated 8 December 2015 constitutes a prospectus (the “Prospectus”) for the purposes of Article 5.3 of the Prospectus Directive). Please therefore read the Prospectus carefully before you invest. Copies of the Prospectus are available from the website of the Central Bank of Ireland, the website of the Irish Stock Exchange, London Stock Exchange and Luxembourg Stock Exchange, as applicable, and in hard copy at the registered office of the Issuer. You should ensure that you understand and accept the risks relating to an investment in Notes before making such an investment, otherwise you should seek independent advice.

The contents of the Materials, other than the Prospectus, have not been verified by Hammersmith Camden Financial (the “Issuer”) and none of the Materials have been verified by any other person. The information in the Materials is subject to completion and change. Any potential investor should determine for itself the relevance of the information contained in the Materials and any investment in the securities should be based upon such investigation as it deems necessary.

Access to and use of the Website

The Materials are confidential and are being shown to you solely for your information and may not be retransmitted, distributed to any other person or copied or published, in whole or in part, via any medium or in any form for any purpose. The opinions presented in the Materials are based on general information gathered at the time of writing and are subject to change without notice. The Issuer relies on information obtained from sources believed to be reliable but does not in such cases guarantee its accuracy or completeness. Your access to the Materials may be restricted by applicable law, and you must seek your own advice in relation to and observe any such restrictions.

THE MATERIALS ARE ALSO ONLY DIRECTED AT, AND MAY ONLY BE ACCESSED BY, PERSONS WHO ARE LAWFULLY ENTITLED TO ACCESS SUCH MATERIALS IN ACCORDANCE WITH APPLICABLE REGULATORY REQUIREMENTS. SUCH MATERIALS ARE NOT FOR RELEASE, PUBLICATION OR DISTRIBUTION, DIRECTLY OR INDIRECTLY, IN WHOLE OR IN PART, INTO OR WITHIN THE UNITED STATES, AUSTRALIA, CANADA, JAPAN, SOUTH AFRICA, OR ANY OTHER JURISDICTION WHERE IT IS UNLAWFUL TO DISTRIBUTE SUCH MATERIALS.

Investment in the Notes will involve certain risks. A summary of the risks which the Issuer believes to be material is set out in the section headed “Risk Factors” in the Prospectus and also in the section headed “Key Risks of Investing in the Notes” in the Information Booklet. There may be additional material risks that are currently not considered by the Issuer to be material or of which the Issuer is not currently aware. Before buying or selling any Notes you should make sure that you fully understand and accept the risks which are set out in the Prospectus and the Information Booklet, and you should determine whether the investment is appropriate for you on the basis of all information contained in the Prospectus and all other relevant materials. Neither the Issuer nor their advisers and/or agents provide legal, tax, accounting or investment advice in relation to the securities and they are not responsible for any advice you may receive from any third party. You should seek independent advice if you are in any doubt as to the suitability of an investment in the securities for your circumstances.

The materials on the Website are intended for viewing by authorised persons only and may not be published, copied or distributed to any other person. Your access to this Website may be restricted by applicable law, and you must seek your own advice in relation to and observe any such restrictions.

Nothing in the website is, or is to be construed as, an offer of or invitation to subscribe for, underwrite or purchase any securities in any jurisdiction where such offer or invitation would be unlawful.

Nothing in the Website constitutes an offer of any securities for sale in the United States. The securities referred to on the Website may not be offered, sold, resold, pledged, delivered, distributed or transferred, directly or indirectly, in or into the United States or to or for the account or benefit of U.S. persons (as defined in Regulation S under the Securities Act). It is not intended that any securities referred to on the Website will be registered under the Securities Act or any U.S. State securities laws. The Materials do not constitute an offer or invitation to sell, or any solicitation of any offer to subscribe for or purchase any securities, and nothing contained herein shall form the basis of any contract or commitment whatsoever. The Materials (other than the Prospectus) have not been approved by the Central Bank of Ireland, UK Financial Conduct Authority, Luxembourg Financial Sector Supervisory Authority (Commission de Surveillance du Secteur Financier) or any other regulatory authority.

The securities referred to on the Website may only be offered and sold in the United Kingdom, the Republic of Ireland and Luxembourg in accordance with all applicable laws and regulations or within other applicable jurisdictions in accordance with any relevant laws therein or exemption therefrom.

There will be no public offer of the securities referred to on the Website in the United States, Australia, Canada, Japan, South Africa or any other jurisdiction where it is unlawful to offer the securities. The materials included on the Website speak only as at the date of those materials. The Issuer does not have any duty to maintain or update any such materials. The Issuer may, however, in its sole discretion remove or make changes to the materials, or discontinue the Website entirely, at any time.

The Website and the materials contained on the Website do not purport to provide any financial, investment, tax, accounting or legal advice or recommendation. Before you enter into any transaction in relation to any securities referred to on the Website, you should obtain your own independent advice from your professional accounting, legal, regulatory, tax or other advisers.

Unauthorised use of the Website including, but not limited to, unauthorised entry or misuse of any information posted to the Website is strictly prohibited.

By clicking the button labelled “I AGREE” below, your acknowledgement shall have the same force and validity as a paper copy of an agreement setting out these Terms and Conditions that has been manually signed, or otherwise duly executed, by you or on your behalf and delivered. These Terms and Conditions and any non-contractual obligations arising out of or in conjunction with them will be governed by, and construed in accordance with, English law. The English courts will have jurisdiction to settle any disputes which may arise out of or in connection with these Terms and Conditions.

BY CLICKING THE BUTTON BELOW LABELLED “I AGREE” you are CERTIFYING THAT (1) You have read and understood the information set out above; (2) agree to be bound by its terms and Conditions;  (3) YOU ARE NOT LOCATED OR RESIDENT IN THE UNITED STATES, ITS POSSESSIONS OR TERRITORIES AND YOU ARE NOT A U.S. PERSON (as defined in Regulation S of the Securities Act) OR ACTING FOR THE ACCOUNT OR BENEFIT OF A U.S. PERSON; (4) YOU ARE NOT LOCATED OR RESIDENT IN AUSTRALIA, CANADA, JAPAN OR SOUTH AFRICA; AND (5) YOU ARE A PERSON TO WHOM THE MATERIALS CONTAINED ON THE WEBSITE MAY BE LAWFULLY COMMUNICATED. your acknowledgement to the above shall have the same force and validity as a paper copy of an agreement setting out these Terms and Conditions that has been manually signed, or otherwise duly executed, by you or on your behalf.

IF YOU CANNOT SO CERTIFY and acknowledge, YOU MUST CLICK THE BACK BUTTON ON YOUR BROWSER OR OTHERWISE EXIT THIS WEBSITE.

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