DISCLAIMER

Euro 17,500,000,000 Residential Mortgage Covered Bonds Programme, issued by KBC Bank NV

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KBC Bank NV's securities cannot be offered or sold in the United States without registration under the United States Securities Act of 1933, as amended, or pursuant to an exemption from such registration. KBC Bank NV has not registered, and does not intend to register, any of its securities under the Securities Act or to conduct a public offering of securities in the United States.

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