HØLAND OG SETSKOG SPAREBANK Investor Relations Material

Høland og Setskog Sparebank is a Norwegian savings bank founded in 1849, catering primarily to the personal and corporate markets within Norway. The bank provides a wide array of financial services including savings and pension accounts, various loan options such as consumer, business, mortgage, car loans, and loans for motorbikes, ATVs, motorhomes, caravans, snowmobiles, and boats. Additionally, it offers refinancing, credit cards, mobile and online banking, bank guarantee, overdrafts, leasing, factoring and invoice sales, as well as insurance products. The company is headquartered in Bjørkelangen, Norway, and its shares are listed on the Oslo Stock Exchange.