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IMPORTANT: You must read the following disclaimer before continuing. This disclaimer applies to the attached prospectus and other materials accessed from this page or otherwise received as a result of such access and you are therefore advised to read this disclaimer carefully before reading, accessing or making any other use of the attached prospectus and other materials. In accessing the attached prospectus and other materials herein, you agree to be bound by the following terms and conditions, including any modifications to them from time to time, each time you receive any information as a result of such access.

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Nothing in the attached materials (including the attached prospectus) constitutes an offer of securities for sale in the United States or in any country, territory or possession where to do so may contravene local securities laws or regulations. Any securities to be issued as contemplated by the attached materials (including the attached prospectus) have not been and will not be registered under the US Securities Act of 1933 (as amended) (the "Securities Act") and may not be offered or sold in the United States unless registered under the Securities Act or pursuant to an exemption from such registration. The issuer does not intend to offer any securities to the public in the United States. No public offering of securities is being made in the United States.

This document does not constitute or form part of, and should not be construed as, any offer for sale or subscription of, or solicitation of any offer to buy or subscribe for, any securities of Bradford & Bingley nor should it or any part of it form the basis of or be relied on in connection with, any contract or commitment whatsoever. This document does not constitute a recommendation regarding the securities of Bradford & Bingley.

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