The purpose of the issue is to strengthen the Issuer's responsible capital and at the same time adapt to new regulations. The loan has been taken out in order to be able to constitute Tier 1 capital when calculating the Issuer's Capital Adequacy, including also after the EU's Capital Requirements Directive IV with associated regulations and technical standards ("CRD IV") and the EU's Bank Recovery and Resolution Directive ("crisis management directive") is carried out in Norwegian law.