Tallinn, Estonia Thursday, September 8th, 2005. It is a pleasure for us to invite you to the FSB Capital Markets Day 2005 in Tallinn, Estonia. Our ambition is to provide you with a deeper understanding of - the ongoing integration of FSB and Hansabank, and the Group’s plans for the future - Hansabank’s current operations and priorities, including its expansion in Russia - the Baltic nations’ banking market characteristics and growth opportunities. Senior management of both FSB and Hansabank will be present during the event, creating opportunities for 1-on-1s and group meetings during and before the event. Please contact us in advance with any requests. A detailed agenda will be distributed and posted on www.fsb.se/ir by mid-August. The main event on September 8th is planned to last from 11.30 AM to 18.00 PM, local time (CET +1). A CMD dinner with prominent guest speakers will be held at 19.00. For practical purposes, visitors are advised to plan for returning from Tallinn on September 9th. For suggested flights to and from Tallinn, see attached file. For hotel reservations, we suggest SAS Radisson Tallinn, telephone +372 682 3 000. Confirm your attendance by August 8th Please confirm your attendance at the FSB capital markets day 2005 no later than August 8 by sending your name, company and contact details to: e-mail ir@fsb.se or fax +46 8 723 7132 We look forward to seeing you in Tallinn! For further information, please contact: Jonas Blomberg Head of Investor Relations, FöreningsSparbanken Phone +46 8 5859 3322 Mobile +46 702 650 133 Jonas.blomberg@fsb.se