Resolutions of JSC "Hansapank" shareholders general meeting:

1) To approve 1998 Annual Report.

2)  To  distribute  the  profit  as follows: The 1998 net income in the

amount of EEK

31,090,157 to be assigned to the reserve fund and the retained earnings

from the previous periods of EEK 260,400,128 to be left undistributed.

3)The  confirm that the council shall consist of 10 members. . To elect

Magnus Francke, Jan Lidén, Leszek Maciusowicz.

4)To elect Andres Root the auditor for the financial year of 1999.