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1 IMPORTANT NOTICE In accessing the attached final terms (the "Final Terms") you agree to be bound by the following terms and conditions. The information contained in the Final Terms may be addressed to and/or targeted at persons who are residents of particular countries only as specified in the Final Terms and/or in the Base Prospectus (as defined in the Final Terms) and is not intended for use and should not be relied upon by any person outside those countries and/or to whom the offer contained in the Final Terms is not addressed. Prior to relying on the information contained in the Final Terms, you must ascertain from the Final Terms and/or the Base Prospectus whether or not you are an intended addressee of the information contained therein. Neither the Final Terms nor the Base Prospectus constitutes an offer to sell or the solicitation of an offer to buy securities in the United States or in any other jurisdiction in which such offer, solicitation or sale would be unlawful prior to registration, exemption from registration or qualification under the securities law of any such jurisdiction. The securities described in the Final Terms and the Base Prospectus have not been, and will not be, registered under the U.S. Securities Act of 1933, as amended (the "Securities Act") and may not be offered or sold directly or indirectly within the United States or to, or for the account or benefit of, U.S. persons or to persons within the United States of America (as such terms are defined in Regulation S under the Securities Act ("Regulation S")). The securities described in the Final Terms will only be offered in offshore transactions to non-u.s. persons in reliance upon Regulation S. 1

2 Final Terms dated 4 September 2014 NORDEA BANK FINLAND PLC Issue of DKK denominated Cap Floor Spread Notes due 20 September 2019 under the 10,000,000,000 Structured Note Programme The Base Prospectus referred to below (as completed by these Final Terms) has been prepared on the basis that, except as provided in sub-paragraph (b) below, any offer of Notes in any Member State of the European Economic Area which has implemented the Prospectus Directive (each, a "Relevant Member State") will be made pursuant to an exemption under the Prospectus Directive, as implemented in that Member State, from the requirement to publish a prospectus for offers of the Notes. Accordingly any person making or intending to make an offer of the Notes may only do so: (a) (b) in circumstances in which no obligation arises for the Issuer or any Dealer to publish a prospectus pursuant to Article 3 of the Prospectus Directive or supplement a prospectus pursuant to Article 16 of the Prospectus Directive, in each case, in relation to such offer; or in those Public Offer Jurisdictions mentioned in Paragraph 10 of Part B below, provided such person is one of the persons described in Paragraph 10 of Part B below and which satisfies conditions set out therein and that such offer is made during the Offer Period specified for such purpose therein. With respect to any subsequent resale or final placement of Notes as provided in sub-paragraph (b) above, the Issuer consents to the use of the Base Prospectus and accepts responsibility for the content of the Base Prospectus. Neither the Issuer nor any Dealer has authorised, nor do they authorise, the making of any offer of Notes in any other circumstances.. The expression "Prospectus Directive" means Directive 2003/71/EC (and amendments thereto, including the 2010 PD Amending Directive and the expression "2010 PD Amending Directive" means Directive 2010/73/EU provided, however, that all references in this document to the "Prospectus Directive" in relation to any Member State of the European Economic Area refer to Directive 2003/71/EC (and amendments thereto, including the 2010 PD Amending Directive, to the extent implemented in the relevant Member State), and include any relevant implementing measure in the relevant Member State. 2

3 PART A CONTRACTUAL TERMS Terms used herein shall be deemed to be defined as such for the purposes of the Conditions (the "Conditions") set forth in the Base Prospectus dated 20 December 2013, the supplemental Base prospectus dated 14 February 2014, the supplemental Base prospectus dated 12 March 2014, and the supplemental Base prospectus dated 1 August 2014, which together constitute a base prospectus (the "Base Prospectus") for the purposes of the Prospectus Directive. This document constitutes the Final Terms of the Notes described herein for the purposes of Article 5.4 of the Prospectus Directive and must be read in conjunction with the Base Prospectus. A summary of the Notes (which comprises the summary in the Base Prospectus as completed to reflect the provisions of these Final Terms) is annexed to these Final Terms. Full information on the Issuer and the offer of the Notes is only available on the basis of the combination of these Final Terms and the Base Prospectus as so supplemented. The Base Prospectus and the prospectus supplement and these Final Terms are available for viewing during normal business hours at, and copies may be obtained from, the principal office of the Issuer at Aleksis Kiven Katu 9, Nordea, Helsinki, Finland and from The Base Prospectus is available for viewing on under Investor Relations: Bank+Finland+Plc+Structure+Note+Programme/ html. I. GENERAL TERMS 1. (i) Issuer: Nordea Bank Finland Plc 2. (i) Series Number: A564 (ii) Tranche Number: 1 3. Specified Currency or Currencies: Danish Kroner ( DKK ) 4. Aggregate Principal Amount: To be confirmed in a Final Terms Confirmation Announcement. 5. Issue Price: per cent. of the Aggregate Principal Amount of each Note. 6. (i) Specified Denominations: DKK 10,000 (ii) Calculation Amount: DKK 10, (i) Issue Date: 3 October 2014 (ii) Interest Commencement Date: Issue Date 8. Redemption Date: 20 September Base Redemption Amount: DKK 10, Additional Amounts: Not Applicable 11. (i) Minimum Redemption Applicable Minimum Redemption Amount DKK 10, (ii) Maximum Redemption Not Applicable 13. Business Day Convention: Following Business Day Convention 14. Currency Business Day Convention: Not Applicable 3

4 15. Relevant Exchange: Not Applicable 16. Scheduled Trading Day Convention: Not Applicable II. PROVISIONS RELATING TO INTEREST (IF ANY) PAYABLE APPLICABLE 17. Interest Basis: Cap Floor Spread 18. Combination of Interest Bases: Not Applicable (further particulars specified below and on page 185 in the Base Prospectus) 19. Method of calculating Basket Return for the purposes of Interest determination: Not Applicable 20. Fixed Rate Note Provisions Not Applicable 21. Floating Rate Note Provisions Not Applicable 22. Zero Coupon Note Provisions Not Applicable 23. Inflation-Linked Interest Note Provisions Not Applicable 24. Rate Adjustment Note Provisions Not Applicable 25. Coupon Bearing Note Provisions Not Applicable 26. CLN Interest Provisions Not Applicable 27. Digital Interest Provisions Not Applicable 28. Additional Interest Provisions Applicable (i) Interest Determination Date: 6 September 2019 (ii) Interest Payment Date(s): 20 September 2019, subject to adjustment in accordance with the Business Day Convention. (iii) Day Count Fraction: 1 (iv) Reference Rate: USD-ISDA-Swap Rate-ISDAFIX1 with a designated maturity of 30 years minus USD- ISDA-Swap Rate-ISDAFIX1 with a designated maturity of 2 years, see PART B OTHER INFORMATION, item 7 for further particulars. (v) Reference Rate 2: Not Applicable (vi) Spread: Not Applicable (vii) Cap Strike: Not Applicable (viii) Floor Strike: Not Applicable (ix) Cap Value: 1 (x) Floor Value: 0 (xi) Leverage (Cap): Indicatively The Issuer reserves its right to cancel the offer if the Leverage (Cap) cannot be 4

5 (xii) Leverage (Floor): 0 (xiii) Cap Strike Upper: 2.00 per cent. (xiv) Cap Strike Lower: 1.00 per cent. (xv) Floor Strike Upper: 0 (xvi) Floor Strike Lower: 0 (xvii) Strike Upper: Not Applicable (xviii) Strike Lower: Not Applicable (xix) Strike 2 Not Applicable (xx) K: Not Applicable (xxi) N: Not Applicable (xxii) W: Not Applicable (xxiii) X: Not Applicable (xxiv) Y: Not Applicable (xxv) Z: Not Applicable (xxvi) Maximum Interest Rate: Not Applicable set at or above The Leverage (Cap) will be finally settled after the subscription period and disclosed in a Final Terms Confirmation Announcement. (xxvii) Gearing: (xxviii) Coupon: Not Applicable Not Applicable (xxix) Coupon Barrier Level(s): Not Applicable (xxx) Basket Strike Level: Not Applicable (xxxi) Minimum Basket Return: Not Applicable (xxxii) Gearing Payer: (xxxiii) Gearing Receiver: (xxxiv) Payer Strike: (xxxv) Receiver Strike: (xxxvi) Power Factor: (xxxvii) Fixed Rate: (xxxviii) Day Count Fraction: (xxxix) Flag: Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable (xl) Tenor: Not Applicable 5

6 (xli) Gearing Cap: Not Applicable (xlii) Gearing Floor: Not Applicable (xliii) Inflation Index: Not Applicable (xliv) Valuation Date(s): Not Applicable III. IV. ADDITIONAL PROVISIONS RELATING TO REDEMPTION INSTALMENT AND EARLY REDEMPTION NOT APPLICABLE items have been intentionally omitted APPLICABLE 38. Instalment Redemption: Not Applicable 39. Optional Early Redemption (Call): Not Applicable 40. Optional Early Redemption (Put): Not Applicable 41. Early Redemption Amount(s) per Calculation Amount payable on redemption for taxation reasons: 42. Early Redemption Date(s) of Notes with "Autocallable" performance structure: 43. Payment of Unwind Amount on Early Redemption: Such percentage per Calculation Amount as determined by the Issuer Not Applicable Not Applicable V. PROVISIONS APPLICABLE TO DISRUPTION, ADJUSTMENTS AND OTHER EXTRAORDINARY EVENTS. 44. Change in Law: As set out in the Conditions 45. Increased Costs of Hedging: As set out in the Conditions 46. Hedging Disruption: As set out in the Conditions 47. Market Disruption: Not Applicable 48. Market Disruption Commodity: Not Applicable 49. Disruption Currency: Not Applicable 50. Calculation Adjustment: As set out in the Conditions 51. Corrections: As set out in the Conditions 52. Correction Commodity: Not Applicable 53. Correction Currency: Not Applicable 54. Extraordinary Events: Not Applicable 55. Rate Option Fall Back: As set out in the Conditions GENERAL PROVISIONS APPLICABLE TO THE NOTES 56. Form of Notes: VP Notes The Notes are VP Notes in uncertificated and 6

7 57. New Global Note: Not Applicable dematerialised book entry form 58. Additional Financial Centre(s) or other special provisions relating to payment dates: Copenhagen, save that in relation to any Interest Determination Date Business Day shall mean any day except for a Saturday, Sunday or a day on which The Bond Market Association recommends that the fixed income departments of its members be closed for the entire day for purposes of trading in U.S. government securities. 59. Calculation Agent: Issuer 60. Talons for future Coupons or Receipts to be attached to Definitive Notes (and dates on which such Talons mature): No 61. Governing Law: Danish Law PURPOSE OF FINAL TERMS These Final Terms comprise the final terms required for the issue and admission to trading on the regulated market of NASDAQ OMX Copenhagen A/S of the Notes described herein pursuant to the 10,000,000,000 Structured Note Programme of Nordea Bank AB (publ) and Nordea Bank Finland Plc. RESPONSIBILITY The Issuer accepts responsibility for the information contained in these Final Terms. Signed on behalf of Nordea Bank Finland Plc: By:... Duly authorised 7

8 PART B OTHER INFORMATION 1. LISTING AND ADMISSION TO TRADING Application has been made by the Issuer (or on its behalf) for the Notes to be admitted to the official list and to trading on NASDAQ OMX Copenhagen A/S with effect from or about the Issue Date. 2. RATINGS The Notes to be issued have not been rated. 3. INTERESTS OF NATURAL AND LEGAL PERSONS INVOLVED IN THE ISSUE/OFFER Save as discussed in "Subscription and Sale", so far as the Issuer is aware, no person involved in the offer of the Notes has an interest material to the offer. 4. REASONS FOR THE OFFER, ESTIMATED NET PROCEEDS AND TOTAL EXPENSES 5. YIELD (i) Reasons for the offer The net proceeds of the issuance of the Notes will be used for general banking purposes and other corporate purposes of the Nordea Group. (ii) Estimated net proceeds: Not Applicable (iii) Estimated total expenses: Not Applicable Indication of yield: Not Applicable 6. HISTORIC INTEREST RATES Not Applicable 7. PERFORMANCE OF INDEX/FORMULA/OTHER VARIABLE, AND OTHER INFORMATION CONCERNING THE UNDERLYING Basket Reference Asset(s) Basket Participati on Stock Exchange and Options or Futures Exchange Initial Price Strike Level Source for past and future performan ce data Single Basket The rate for USD swaps with a maturity of 30 years, expressed as a percentage, which appears on the Screen Page as of 11:00, New York City time, on the Interest Determination Date ( USD- ISDA-Swap Rate- ISDAFIX1 with a designated maturity of 30 years ) Not Applicable Not Applicable Not Applicable Not Applicable Reuters Screen Page: ISDAFIX1 8

9 The rate for USD swaps with a maturity of 2 years, expressed as a percentage, which appears on the Screen Page as of 11:00, New York City time, on the Interest Determination Date ( USD- ISDA-Swap Rate- ISDAFIX1 with a designated maturity of 2 years ) Not Applicable Not Applicable Not Applicable The Issuer does not intend to provide post-issuance information. 8. FURTHER DETAILS OF BASKET PARTICIPATION Not Applicable Reuters Screen Page: ISDAFIX1 Basket Participation (Interest): Fixed Basket Participation (Interest): Rainbow Basket Participation (Interest): Replacement Cliquet Basket Participation (Interest): Momentum Basket Participation (Interest): Accumulating Rainbow Basket Participation (Interest): Basket Participation: Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Fixed Basket Participation: Not Applicable Rainbow Basket Participation: Replacement Cliquet Basket Participation: Momentum Basket Participation: Accumulating Rainbow Basket Participation: Not Applicable Not Applicable Not Applicable Not Applicable 9

10 9. OPERATIONAL INFORMATION ISIN Code: DK Common Code: Intended to be held in a manner which would allow Eurosystem eligibility: Clearing system(s) Name(s) and address(es) of additional Paying Agent(s) (if any): Not Applicable VP Not Applicable 10. DISTRIBUTION (i) Method of distribution: Non-syndicated (ii) If syndicated: Not Applicable (iii) If non-syndicated, name and address of Dealer: Applicable (a) Name and address of Dealer: Nordea Bank Danmark A/S Christiansbro, Strandgade Copenhagen K Denmark (b) Date of subscription agreement: Not Applicable (iv) Indication of the overall amount of the underwriting commission and of the placing commission: Not Applicable (v) U.S. Selling Restrictions: Not Applicable (vi) Public Offer: The Issuer consents to the use of the Base Prospectus (i) in connection with a Public Offer of the Notes during the period from and including 8 September 2014 to but excluding 20 December 2014 (the "Offer Period") by Nordea Bank Danmark A/S in Denmark ("Public Offer Jurisdictions"), and (ii) in connection with an offer of Notes that is made within an exemption from the requirement to publish a prospectus under the Prospectus Directive (a private placement) during the period from and including 8 September 2014 to but excluding 20 December 2014 by Nordea Bank S.A. and Nordea Bank S.A., Luxembourg Zweigniederlassung Zürich in Luxembourg and Switzerland, and subject to the Authorised Offeror Terms set out in the Base Prospectus, for so long as they are authorised to make such offers under the Markets in Financial Instruments Directive (Directive 2004/39/EC). 10

11 62. TERMS AND CONDITIONS Offer Price: Conditions to which the offer is subject: per cent. for applications received on or prior to 26 September For applications received after 26 September 2014 the Offer Price will be subject to prevailing market conditions and confirmed by the Authorised Offeror at the time of the offer. Applicable The Issuer reserves its rights to cancel the offer under the following circumstances; (a) if the aggregate principal amount of Notes subscribed on or before 26 September 2014 is less than DKK 50,000,000 ; (b) if the Leverage (Cap) cannot be set at or above 25.00; or (c) if any event of an economic, financial or political nature occurs and which may jeopardise a successful offer, as determined by the Issuer. The Issuer may also replace any Reference Asset listed in the table(s) above at any time on or prior to the Issue Date with a comparable type of underlying Reference Asset. Description of the application process: Description of possibility to reduce subscriptions and manner for refunding excess amount paid by applicants: Details of the minimum and/or maximum amount of application: Details of the method and time limits for paying up and delivering the Notes: Manner in and date on which results of the offer are to be made public: Procedure for exercise of any right of pre-emption, negotiability of subscription rights and treatment of subscription rights not exercised: Whether tranche(s) have been reserved foe certain countries: An application for subscription must reach the Authorised Offeror no later than 26 September 2014, or such earlier date as the Issuer or Dealer may determine. If market conditions do not permit the total subscribed amount to be allocated a reduction will be made at the Authorised Offeror s sole dicretion. Minimum amount of application is DKK 10,000. Funds for payment must be available on the Issue Date on the relevant account confirmed to the Authorised Offeror. The Notes are delivered against payment on the Issue Date. At or about the Issue Date a Final Terms Confirmation Announcement will be published by/ or on behalf of the Issuer on the website of NASDAQ OMX Copenhagen. Not Applicable Not Applicable 11

12 Process for notification to applicants of the amount allotted and the indication whether dealing may begin before notification is made: Amount of any expenses and taxes specifically charged to the subscriber or purchaser: Name(s) and address(es), to the extent known to the Issuer, of the Authorised Offerors in the various countries where the offer takes place. Not Applicable In connection with the issuance of this type of notes, the Issuer incurs costs for, among other things, production, distribution, licences, stock exchange listing and risk management. In order to cover these costs, the Issuer charges brokerage fees and commission. The commission is included in the price and will amount to a maximum of 0.56 per cent per year, calculated on the price of the Notes. Up to 3.00 per cent. on the total nominal amount invested may be charged as brokerage fee by Nordea Bank S.A. and Nordea Bank S.A., Luxembourg Zweigniederlassung Zürich. Nordea Bank Danmark A/S Christiansbro, Strandgade Copenhagen K Denmark Nordea Bank S.A. 562 rue de Neudorf L-2220 Luxembourg Luxembourg Nordea Bank S.A., Luxembourg Zweiggniederlassung Zürich Mainaustrasse CH-8008 Zürich Switzerland 12

13 ANNEX TO THE FINAL TERMS SUMMARY OF THE ISSUE Section A Introduction and Warnings A.1 Introduction: This summary should be read as an introduction to this Base Prospectus and any decision to invest in the Notes should be based on a consideration of the Base Prospectus as a whole by the investor. Where a claim relating to the information contained in this Base Prospectus is brought before a court in a Member State of the European Economic Area, the plaintiff may, under the national legislation of the Member States, be required to bear the costs of translating the Base Prospectus before the legal proceedings are initiated. No civil liability will attach to the Issuers in any such Member State solely on the basis of this summary, including any translation thereof, unless it is misleading, inaccurate or inconsistent when read together with the other parts of this Base Prospectus or it does not provide, when read together with the other parts of this Base Prospectus, key information in order to aid investors when considering whether to invest in the Notes. A.2 Consent: Certain Tranches of Notes with a denomination of less than 100,000 (or its equivalent in any other currency) may be offered in circumstances where there is no exemption from the obligation under the Prospectus Directive to publish a prospectus. Any such offer is referred to as a "Public Offer". The Issuer consents to the use of this Base Prospectus (i) in connection with a Public Offer of the Notes by Nordea Bank Danmark A/S ( an "Authorised Offeror") on the following basis: (a) the relevant Public Offer must occur during the period from and including 8 September 2014 to but excluding 20 December 2014 (the "Offer Period") in Denmark (the "Public Offer Jurisdiction(s)") and (b) the relevant Authorised Offeror must have agreed to the Authorised Offeror Terms, and (ii) in connection with an offer of Notes that is made within an exemption from the requirement to publish a prospectus under the Prospectus Directive (a private placement) by Nordea Bank S.A. and Nordea Bank S.A., Luxembourg, Zweigniederlassung Zürich (each an "Authorised Offeror") on the following basis: (a) the relevant offer must occur during the period from and including 8 September 2014 to but excluding 20 December 2014 in Luxembourg and Switzerland and (b) the relevant Authorised Offeror must have agreed to the Authorised Offeror Terms. Authorised Offerors will provide information to an Investor on the terms and conditions of the Public Offer of the relevant Notes at the time such Public Offer is made by the Authorised Offeror to the Investor. Section B Issuers B.1 Legal names of the Issuers: Commercial names of the Issuers: B.2 Domicile and legal forms of the Issuers: Nordea Bank AB (publ) Nordea Bank Finland Plc Nordea NBAB is a public (publ) limited liability company with registration No The head office is located in Stockholm at the following address: Smålandsgatan 17, Stockholm. The principal legislation under which NBAB operates is the Swedish Companies Act and the Swedish Banking and Financing Business Act

14 Section B Issuers NBF is a company with limited liability pursuant to the Finnish Companies Act. NBF is registered in the trade register with business identity code NBF has its head office in Helsinki at the following address: Aleksanterinkatu 36 B, Helsinki, Finland. The principal legislation under which NBF operates is the Finnish Companies Act and the Finnish Act on Commercial Banks and Other Credit Institutions in the form of a limited company. B.4b Trends: Not applicable. There are no clear trends affecting the Issuers or the markets in which they operate. B.5 The Group: NBAB is the parent company of the Nordea Group. The Nordea Group is the largest financial services group in the Nordic markets (Denmark, Finland, Norway and Sweden) measured by total income (based on research by Nordea Markets (Nordea Bank Finland Plc)), with additional operations in Russia, the Baltic countries and Luxembourg, as well as branches in a number of other international locations. The three main subsidiaries of Nordea Bank are Nordea Bank Danmark A/S in Denmark, NBF in Finland and Nordea Bank Norge ASA in Norway. NBAB believes that the Nordea Group has the largest customer base of any financial services group based in the Nordic markets (based on research by Nordea Markets (Nordea Bank Finland Plc)) with approximately 11 million customers across the markets in which it operates, including approximately 10 million household customers in its customer programme and approximately 0.6 million active corporate customers, in each case as of 31 December As of the same date, the Nordea Group had total assets of EUR billion and Tier 1 capital of EUR 24.4 billion, and was the largest Nordic-based asset manager with EUR billion in assets under management 1. B.9 Profit Forecasts and Profit Estimates: B.10 Audit Report Qualifications: B.12 Selected Key Financial Information: Not Applicable. The Issuers do not make a profit forecast or profit estimate in the Base Prospectus. Not Applicable. There are no qualifications in the audit reports for the Issuers. The tables below show certain selected summarised financial information which, without material changes, is derived from, and must be read together with, the Issuers' audited consolidated financial statements for the year ended 31 December 2013 and Issuers' unaudited consolidated financial statements for the six month period ended 30 June 2014, which are set out in the annexes to this Supplement and the Base Prospectus and the auditors' reports and notes thereto 2. 1 By virtue of the Supplement dated 12 March 2014, the figures in relation to the number of customers, total assets, Tier 1 capital and assets under management have been updated to reflect the position as at 31 December 2013, being the date of the last published audited financial statements. 2 By virtue of the Supplement dated 1 August 2014, selected key information for the six months ending 30 June 2014 accompanied by comparative data from the same period in the prior financial year has been included

15 Section B Issuers NBAB selected key financial information: Group H H (EUR millions) Income Statement Total operating income 9,891 9,998 4,957 4,996 Net loan losses Net profit for the period... 3,116 3,126 1,517 1,567 Balance Sheet Total assets... Total liabilities... Total equity... Total liabilities and equity... Cash Flow Statement Cash flow from operating activities before changes in operating assets and liabilities... Cash flow from operating activities... Cash flow from investing activities... Cash flow from financing activities... Cash flow for the period... Change , , , , , , , ,025 29,209 28,005 28,846 27, , , , ,896 7,607 6,633 6,060 3,288 6,315 19,754-9,638-3, , , ,683-1,400 4,960 20,358-9,018-4,310 4,960 20,358-9,018-4,310 NBF selected key financial information: - 3 -

16 Section B Issuers Group H H Income Statement Total operating income... Net profit for the period... Balance Sheet Total assets... Total liabilities... Total equity... Total liabilities and equity... Cash Flow Statement Cash flow from operating activities before changes in operating assets and liabilities... Cash flow from operating activities... Cash flow from investing activities... Cash flow from financing activities... Cash flow for the period... Change... (EUR Millions) 2,224 2,824 1,219 1, , , , , , , , , ,553 9,514 9,217 9,215 9, , , , ,598 1, ,217 1,023 5,686 18,720-10, , , ,156 15,527-10, ,156 15,527-10, There has been no material adverse change in the ordinary course of business or in the prospects or condition of NBAB or NBF since 31 December , being the date of its last published audited financial statements. There has been no significant change in the financial or trading position of NBAB or NBF which has occurred since 30 June , being the date of its last published unaudited financial statements. B.13 Recent Events: Not Applicable for either Issuer. There have been no recent events particular to either Issuer which are to a material extent relevant to the evaluation of such Issuer's solvency since the publication of the relevant Issuer's unaudited financial statements for the six months ending 30 June B.14 Dependence upon other entities within the Group: B.15 The Issuer's Principal Activities: Not Applicable. Neither NBAB nor NBF is dependent upon other entities within the Nordea Group. The Nordea Group's organisational structure is built around three main business areas: Retail Banking, Wholesale Banking and Wealth Management. In addition to these business areas, the Nordea Group's organisation includes the business unit Group Operations and Other Lines of Business, together with Group Corporate Centre and Group Risk Management which are the other central parts of the Nordea Group's organisation. 3 By virtue of the Supplement dated 12 March 2014, the date since which there has been no material adverse change in the ordinary course of business or in the prospects or condition of NBAB or NBF has been updated to 31 December 2013, being the date of their last published audited financial statements. 4 By virtue of the Supplement dated 1 August 2014, the date since which there has been no significant change in the financial or trading position of NBAB or NBF has been updated to 30 June 2014, being the date of their last published unaudited financial statements. 5 By virtue of the Supplement dated 1 August 2014, the date since which there have been no recent events particular to either Issuer which are to a material extent relevant to the evaluation of such Issuer's solvency has been updated to 30 June 2014, being the date of the Issuers' last published unaudited financial statements

17 Section B Issuers As a universal bank, the Nordea Group offers a comprehensive range of banking and financial products and services to household and corporate customers, including financial institutions. The Nordea Group's products and services comprise a broad range of household banking services, including mortgages and consumer loans, credit and debit cards, and a wide range of savings, life insurance and pension products. In addition, the Nordea Group offers a wide range of corporate banking services, including business loans, cash management, payment and account services, risk management products and advisory services, debt and equity-related products for liquidity and capital raising purposes, as well as corporate finance, institutional asset management services and corporate life and pension products. The Nordea Group also distributes general insurance products. With approximately 1,000 branch office locations (including approximately 210 branch office locations in Russia and the Baltic countries), call centres in each of the Nordic markets, and a highly competitive net bank, the Nordea Group also has the largest distribution network for customers in the Nordic markets. The Nordea Group is present in 18 countries around the world. NBAB conducts banking operations in Sweden within the scope of the Nordea Group's business organisation. NBAB develops and markets financial products and services to personal customers, corporate customers and the public sector. NBF conducts banking operations in Finland as a part of the Nordea Group and its operations are fully integrated into the Nordea Group's operations. NBF holds a licence to conduct banking operations in accordance with the Finnish Act on Credit Institutions. B.16 Controlling Persons: B.17 Ratings assigned to the Issuer or its Debt Securities: Not Applicable. To the best of NBAB's knowledge, the Nordea Group is not directly or indirectly owned or controlled by any single person or group of persons acting together. NBF is a direct, wholly-owned subsidiary of NBAB. As of the date of this Base Prospectus, the long term (senior) debt ratings of each of the Issuers are 6 : Moody's Investors Service Limited: Aa3(negative outlook) Standard & Poor's Credit Market Services Europe Limited: Fitch Ratings Limited: AA- (negative outlook) AA- DBRS Ratings Limited: AA The Issuers' credit ratings do not always mirror the risk related to individual Notes issued under the Programme. The Notes to be issued have not been rated 6 By virtue of the Supplement dated 1 August 2014, each of the Issuers wishes to clarify that the rating provided by Moody's Investors Service Limited has a negative outlook

18 Section C The Notes C.1 Description of Type and Class of Securities: Issuance in Series: Notes are issued in series (each a "Series") and Notes of each Series will all be subject to identical terms (except issue price, issue date and interest commencement date, which may or may not be identical) whether as to currency, denomination, interest or maturity or otherwise, save that a Series may comprise Notes in bearer form and in registered form. Further tranches of Notes (each a "Tranche") may be issued as part of an existing Series. The Series number of the Notes is A564. The Tranche number is 1. Forms of Notes: Notes may be issued in bearer or in registered form. Notes in bearer form will not be exchangeable for Notes in registered form and Notes in registered form will not be exchangeable for Notes in bearer form. The Notes are in registered form. Notes may be specified in the applicable Final Terms as "VP Notes". VP Notes will be issued in uncertificated and dematerialised book entry form, with the legal title thereto being evidenced by book entries in the register for such VP Notes kept by VP Securities A/S on behalf of the Issuer (the "Danish Note Register"). Title to VP Notes will not be evidenced by any physical note or document of title. Definitive Notes will not be issued in respect of any VP Notes. Nordea Bank Danmark A/S will act as the VP Issuing Agent in respect of VP Notes. Notes may be specified in the applicable Final Terms as "VPS Notes". VPS Notes will be issued pursuant to a registrar agreement with Nordea Bank Norge ASA as VPS Paying Agent and will be registered in uncertificated and dematerialised book entry form with the Norwegian Central Securities Depositary (Verdipapirsentralen ASA and referred to herein as the "VPS"). Notes may be specified in the applicable Final Terms as "Swedish Notes". Swedish Notes will be issued in uncertificated and dematerialised book entry form, with the legal title thereto being evidenced by book entries in the register for such Swedish Notes kept by Euroclear Sweden on behalf of the relevant Issuer. Title to Swedish Notes will not be evidenced by any physical note or document of title. Definitive Notes will not be issued in respect of any Swedish Notes. Nordea Bank AB (publ) will act as the Swedish Issuing Agent in respect of Swedish Notes. Notes may be specified in the applicable Final Terms as "Finnish Notes". Finnish Notes will be issued in uncertificated and dematerialised book entry form, with the legal title thereto being evidenced by book entries in the register for such Finnish Notes kept by Euroclear Finland on behalf of the relevant Issuer. Title to Finnish Notes will not be evidenced by any physical note or document of title. Definitive Notes will not be issued in respect of any Finnish Notes. Nordea Bank Finland Plc will act as the Finnish Issuing Agent in respect of Finnish Notes. Swiss Franc Notes: Swiss Franc Notes will be denominated in Swiss francs, issued in bearer form and will be represented exclusively by a Permanent Global Note which shall be deposited with SIX SIS AG, Olten, Switzerland, or such other depositary as may be approved by the SIX Regulatory Board of the SIX Swiss Exchange. The Permanent Global Note will be exchangeable for definitive Notes only in certain limited circumstances. Security Identification Number(s): In respect of each Tranche of Notes, the relevant security identification number(s) will be specified in the relevant Final Terms

19 Section C The Notes The Notes will be cleared through VP Securities A/S. The Notes have been assigned the following securities identifiers: ISIN Code DK and Common Code C.2 Currency of the Securities Issue: U.S. dollars, euro, sterling, Swedish Krona, Swiss francs, Norwegian Krone, Danish Krone and Yen and/or such other currency or currencies as may be determined at the time of issuance, subject to compliance with all applicable legal and/or regulatory and/or central bank requirements. Notes may, subject to such compliance, be issued as dual currency Notes. The currency of the Notes is Danish Kroner ( DKK ). C.5 Free Transferability: This Base Prospectus contains a summary of certain selling restrictions in the United States, the European Economic Area, the United Kingdom, Denmark, Finland, The Netherlands, Norway, Sweden, Spain, and Japan. The Notes have not been and will not be registered under the United States Securities Act of 1933 (the "Securities Act") and may not be offered and sold within the United States or to, or for the account or benefit of U.S. persons except in certain transactions exempt from the registration requirements of the Securities Act. In relation to each member state of the European Economic Area which has implemented the Prospectus Directive, including the Kingdom of Sweden (each, a "Relevant Member State"), each dealer appointed in relation to the Programme (each a "Dealer") has represented and agreed, and each further Dealer appointed under the Programme will be required to represent and agree, that with effect from and including the date on which the Prospectus Directive is implemented in that Relevant Member State (the "Relevant Implementation Date") it has not made and will not make an offer of Notes to the public in that Relevant Member State except with the consent of the Issuer given in accordance with Element A.2 above. Each Dealer has represented and agreed and each further Dealer appointed under the Programme will be required to represent and agree that it has complied and will comply with all applicable provisions of the Financial Services and Markets Act 2000 (the "FSMA") with respect to anything done by it in relation to any Notes in, from or otherwise involving the United Kingdom. Each Dealer has represented and agreed, and each further Dealer appointed under the Programme will be required to represent and agree, that it has not offered or sold and will not offer, sell or deliver any of the Notes directly or indirectly in the Kingdom of Denmark by way of public offering, unless in compliance with the Danish Securities Trading Act (Consolidated Act No. 883 of 9 August 2011, as amended) (in Danish: Værdipapirhandelsloven) and Executive Orders issued thereunder

20 Section C The Notes Each Dealer has represented and agreed, and each further Dealer appointed under the Programme will be required to represent and agree, in respect of any offers or sales of Notes in Ireland, that it will comply with: the provisions of the European Communities (Markets in Financial Instruments) Regulations 2007 (Nos. 1 to 3) (as amended), including, without limitation, Regulations 7 and 152 thereof or any codes of conduct used in connection therewith and the provisions of the Investor Compensation Act 1998; the provisions of the Companies Acts 1963 to 2012 (as amended), the Central Bank Acts 1942 to 2013 (as amended) and any codes of conduct rules made under Section 117(1) of the Central Bank Act 1989; and the provisions of the Market Abuse (Directive 2003/6/EC) Regulations 2005 (as amended) and any rules issued under Section 34 of the Investment Funds, Companies and Miscellaneous Provisions Act 2005 by the Central Bank. Each Dealer has represented and agreed and each further Dealer appointed under the Programme will be required to represent and agree that it has not offered or sold and will not offer or sell, directly or indirectly, Notes to the public in France and it has not distributed or caused to be distributed and will not distribute or cause to be distributed to the public in France, the Base Prospectus, the relevant Final Terms or any other offering material relating to the Notes and such offers, sales and distributions have been and will be made in France only to (a) providers of investment services relating to portfolio management for the account of third parties (personnes fournissant le service d'investissement de gestion de portefeuille pour compte de tiers), and/or (b) qualified investors (investisseurs qualifiés) all as defined in, and in accordance with, articles L.411-1, L and D of the French Code monétaire et financier. Notes which qualify as "derivative instruments" within the meaning of Section 2 of the SMA, Directive 2004/39/EC (MiFID Directive) and Commission Regulation No EC/1287/2006 (MiFID Implementation Regulation), all as amended from time to time, may only be offered in Estonia after assessment of the suitability and appropriateness of the relevant structured instrument to the investor in accordance with applicable Estonian and European Union law. Each Dealer has represented and agreed, and each further Dealer appointed under the Programme will be required to represent and agree, that the Notes have not been offered and will not be offered in Lithuania by way of a public offering, unless in compliance with all applicable provisions of the laws of Lithuania and in particular in compliance with the Law on Securities of the Republic of Lithuania of 18 January 2007 No X-1023 and any regulation or rule made thereunder, as supplemented and amended from time to time. The Notes have not been registered under the Financial Instruments Market Law of Latvia and may not be publicly offered or sold in Latvia. Neither the Issuer nor any Dealer has authorised, nor do they authorise, the making of any offer of Notes in Latvia other than in accordance with the laws of the Republic of Latvia. Each Dealer has represented and agreed, and each further Dealer appointed under the Programme will be required to represent and agree, that it has not offered or sold and will not offer, sell or deliver any of the Notes directly or indirectly in the Kingdom of Denmark by way of public offering, unless in compliance with the Danish Securities Trading etc. Act (Værdipapirhandelsloven), as amended from time to time, and Executive Orders issued thereunder

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