1. © OP A member bank of OP Financial Group

2. © OP OP Etelä-Karjala  A member cooperative bank of the OP Financial Group  Local deposit bank, engaged in retail banking  Banking, Insurance and Investment services  The bank has the corporate form of a cooperative  Owned by owner-members  OP Financial Group has more than 200 member cooperative banks  Operational area covering the whole Finland  OP Financial Group aims to be the financial sector's most attractive employer, and one of the most desired amongst major Finnish companies 2

3. © OP OP Etelä-Karjala  A member cooperative bank of the OP Financial Group  Local deposit bank, engaged in retail banking  Banking, Insurance and Investment services  The bank has the corporate form of a cooperative  Owned by owner-members  OP Financial Group has more than 200 member cooperative banks  Operational area covering the whole Finland  OP Financial Group aims to be the financial sector's most attractive employer, and one of the most desired amongst major Finnish companies 3

4. © OP Daily Banking - Accounts  Your account is the foundation of your money matters  OP Financial Group accounts are convenient for your everyday finances  A current account is the best option for managing your daily finances  Remember to close your account before you go home 4

5. © OP Daily Banking - Cards  You can use OP Financial Group cards to pay for your purchases in shops and to withdraw cash both in Finland and abroad  It is safe and convenient to use a card instead of cash  Your account statement clearly shows where and when you have used your card  There are no minimum or maximum limits for card purchases in Finland  OP-Visa Electron  Card for cash withdrawals and the payment of purchases  Purchases and ATM withdrawals made anywhere in the world will be directly debited from your bank account with OP Financial Group. 5

6. © OP Daily Banking - Payments  You can pay invoices at a branch or by using a payment service  Using the payment service to pay your invoices  Submit a completed giro form to your own member bank in a payment service envelope  No later than five days before the due date  It will be paid from your account on the due date  Payment service envelopes are available from our branches  Assistance for making payments  The member banks provide you with assistance regarding payments. For example, you can complete a payment form with a bank employee or ask for advice. 6

7. © OP How about the Internet banking services?  Unfortunately according the Finnish laws and regulations we are able to open the internet banking services only to customers with Finnish personal identity code  Also the only acceptable ID’s when opening internet banking services are  EU-passport  Identity card issued by Finnish police  Foreign citizens whose residence in Finland is permanent or exceeds more than one year may be issued a personal identity code  Foreign citizens should contact the local register office of their place of residence for registration  The police may issue an identity card to a foreign citizen who is permanently resident in Finland and entered in the Population Information System (Issuing an identity card to a foreign citizen)Issuing an identity card to a foreign citizen 7

8. © OP Should you have any problems  In case you have lost your Visa Electron card  Write down the number of your Visa Electron card immediately you get your own card  Directly when you notice that your card is lost or stolen, please call +358 20 333 and close your card  They will ask your card number to close your card  Your responsibilities will end on exact moment you close your card.  The number operates 24 hours every day  Please don’t hesitate to contact us if you have any questions 8

9. © OP Where you can find us  Our branch is located in the Lappeenranta city center  Address: Pormestarinkatu 4, 53100 Lappeenranta 9

10. © OP  For more information, please visit  www.op.fi or www.op.fi  Nearest OP Financial Group branch  OP Etelä-Karjala and OP Financial Group wishes you all a pleasent stay in Finland and good luck with your studies! 10