Funding strategy and principles Rettig Group's funding policy is designed to give Rettig Group access to a variety of financing sources in all circumstances. Centralised funding As a rule, external funding is carried out by Rettig Group. Funds are subsequently used for capital expenditure and working capital needs of the Group’s portfolio companies. As part of that internal funding, the Group cash flow is generated primarily by the portfolio companies. Broad diversification We aim to fund our business securely and base our funding on the following principles: Ensuring access to adequate liquidity reserves in all market conditions; using a variety of debt instruments to optimally diversify the funding base; and combining long-term and short-term financing to balance the maturity profile. Transparent communication We aim to communicate our strategy clearly with a high degree of transparency. To achieve this Rettig Group reports quarterly, arranges debt investor updates and an annual Capital Markets Day. We also arrange informational meetings for our core group of banks. In addition, we take into account the interests of debt capital investors when compiling information for our financial communication. Banking policy In the course of our funding program Rettig Group uses selected core banks. These are defined e.g. via their participation in Rettig Group's syndicated revolving credit facilities. As a family company Rettig Group values long term relationships. Trust, a key value of Rettig Group, is built up over time. Banking relations are based on mutual trust and reciprocity. Rettig Group has long and good relationships to several Finnish and international banks. Rettig Group Ltd | P.O. Box 115 (Bulevardi 46), FI-00121 Helsinki, Finland | Tel. +358 (0)9 618831 © 2018 Rettig Group Ltd. Sitemap Privacy Policy and Terms of Use

Group Management MATTS ROSENBERG CEO Ph.D. (Econ.) Finance Born 1977 READ MORE THOMAS LANDELL General Counsel LL.M. Born 1984 READ MORE TOPI JOKIRANTA Chief Financial Officer MBA Born 1975 READ MORE JOHN LINDSTRÖM Director M.Sc. (Econ.), Finance Born 1985 READ MORE Rettig Group Ltd | P.O. Box 115 (Bulevardi 46), FI-00121 Helsinki, Finland | Tel. +358 (0)9 618831 © 2018 Rettig Group Ltd. Sitemap Privacy Policy and Terms of Use

Funding structure Outstanding bonds Issuer Amount MEUR Coupon (annual) Issue date Maturity date Type Listing Rating ISIN Rettig Group Ltd. 110 2.375% 24 April 2017 25 April 2022 Senior, unsecured and unsubordinated Not listed Unrated FI4000252192 Rettig Group Ltd. 90 2.000% 30 April 2018 30 April 2023 Senior, unsecured and unsubordinated Not listed Unrated FI4000320924 NOTICE OF PROCEDURE IN WRITING: Invitation to a procedure in writing for Rettig Group Notes due in 2022 Invitation to a procedure in writing for Rettig Group Notes due in 2023 Commercial papers Issuer Program amount Dealers, issue and paying agents Terms Rettig Group Ltd. 200 MEUR SEB, Swedbank, Nordea, Pohjola, Danske Bank Up to one year Rettig Group Ltd | P.O. Box 115 (Bulevardi 46), FI-00121 Helsinki, Finland | Tel. +358 (0)9 618831 © 2018 Rettig Group Ltd. Sitemap Privacy Policy and Terms of Use