Offering Circular - Paragon Mortgages (No.16) PLC

DISCLAIMER

The terms and conditions of this disclaimer apply to the use of the prospectus (the Prospectus) available on the following webpage as operated by The Paragon Group of Companies PLC or any of its subsidiaries or affiliates. The Paragon Group of Companies PLC has its registered office is at St. Catherine's Court, Herbert Road, Solihull, West Midlands B91 3QE and is registered in England and Wales under company number 2336032.

THE PROPSECTUS IS NOT DIRECTED AT OR ACCESSIBLE BY PERSONS LOCATED IN THE UNITED STATES (SUBJECT TO CERTAIN EXCEPTIONS), OR PERSONS RESIDENT OR LOCATED IN AUSTRALIA, CANADA, OR JAPAN OR ANY OTHER JURISDICTION WHERE THE EXTENSION OF AVAILABILITY OF THE PROPSECTUS TO WHICH YOU ARE SEEKING ACCESS WOULD BREACH ANY APPLICABLE LAW OR REGULATION.

The Prospectus does not constitute or form a part of any offer or solicitation to purchase or subscribe for securities in the United States, Australia, Canada or Japan or in any jurisdiction in which such offers or sales are unlawful. Any securities issued in connection with an offering have not been and will not be registered under the U.S. Securities Act of 1933, as amended, or under any applicable securities laws of any state, province, territory, county or jurisdiction of the United States, Australia, Canada or Japan. Accordingly, unless an exemption under relevant securities laws is applicable, any such securities may not be offered, sold, resold, taken up, exercised, renounced, transferred, delivered or distributed, directly or indirectly, in or into the United States, Australia or Canada, or any other jurisdiction if to do so would constitute a violation of the relevant laws of, or require registration of such securities in, the relevant jurisdiction. There will be no public offer of securities in the United States.

The Prospectus is informative in nature and does not constitute an offer of securities to the public as meant in any laws or rules implementing the Prospectus Directive (2003/71/EC), nor do they constitute a solicitation to make such an offer.

If you are not permitted to view the Prospectus or are in any doubt as to whether you are permitted to view the Prospectus, please exit this webpage. The Prospectus must not be released or otherwise forwarded, distributed or sent in or into the United States, Australia, Canada or Japan, or any jurisdiction in which such offers or sales are unlawful. Persons receiving such documents (including custodians, nominees and trustees) must not distribute or send them in, into or from the United States, Australia, Canada or Japan.

This disclaimer will be governed by and any non contractual obligations arising out of or in conjunction with it, and construed in accordance with, the laws of England and Wales.

The English courts will have jurisdiction to settle any disputes which may arise in connection with this disclaimer.

Confirmation of understanding and acceptance of disclaimer

I warrant that I am not located in the United States and am not resident or located in Australia, Canada or Japan or any other jurisdiction where accessing the Prospectus is unlawful, and I agree that I will not transmit or otherwise send the Prospectus contained on the following webpage to any person in the United States or to any person resident or located in Australia, Canada or Japan, or any other jurisdiction, where to do so would breach applicable local law or regulation.

I have read and understood the disclaimer set out above. I understand that it may affect my rights and I agree to be bound by its terms. I confirm that I am permitted to proceed to electronic versions of the Prospectus.

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