1. Payout procedures Iryna Aralina Head of Indemnification Department Kiev, January 17 th 2014

2. Table of Contents at the stage of Provisional Administration at the stage of Liquidation Payout procedure Total payout statistics

3. «On Deposit Guarantee Fund» Law of Ukraine «On Deposit Guarantee Fund» approved on 09.20.20011 200 UAH President’s of Ukraine Decree «On Measures to Protect the Rights of Physical Persons as Depositors of Commercial Banks in Ukraine» signed on 10.09.1998 500 UAH DGF Administrative Board Decision of DGF Administrative Board Decision of 11.14.2002 1 500 UAH DGF Administrative Board Decision of DGF Administrative Board Decision of 09.17.20032 000 UAH DGF Administrative Board Decision of DGF Administrative Board Decision of 05.24.2006 15 000 UAH 150 000 UAH The Law of Ukraine "On priority preventing the negative effects of the financial crisis and on Amendments to Certain Legislative Acts of Ukraine" dated of 10.31.2008. DGF Administrative Board Decision of 11.17.2010 DGF Administrative Board Decision of DGF Administrative Board Decision of 08.21.2012 DGF Administrative Board Decision of DGF Administrative Board Decision of 08.14.200750 000 UAH DGF Administrative Board Decision of DGF Administrative Board Decision of 02.14.200725 000 UAH DGF Administrative Board Decision of 01 DGF Administrative Board Decision of 01.31.2006 8 000 UAH DGF Administrative Board Decision of DGF Administrative Board Decision of 04.21.20055 000 UAH DGF Administrative Board Decision of DGF Administrative Board Decision of 04.22.2004 3 000 UAH 200 000 UAH

4. Guaranteed amount procedures at the DGF expense Law of Ukraine “On Households Deposit Guarantee Fund” Deposit Payout at the stage of Liquidation Law of Ukraine “On Households Deposit Guarantee System” Deposit Payout at the stage of Provisional Administration Deposit Payout at the stage of Liquidation

5. The DGF shall pay out the deposits, including interest accrued on the date when a decision was made by the NBU to classify the bank as insolvent and start resolution of the bank by DGF, however, not more than the amount determined by the DGF Administrative Board on the date when such a decision was made regardless of the number of deposits in one bank. 200 000 UAH. (25 000 $ USA)

6. Guaranteed amount payout procedure

7. Regulations on the order of payouts by the Deposit Guarantee Fund Approved by the DGF Administrative Board Decision on 08.09.2012 # 14 Registered by the Ministry of Justice of Ukraine on September 7 th, 2013, # 1548/21860 (revised and amended)

8. Regulations on the order of payouts by the Deposit Guarantee Fund Payout procedures development General provisions Securing the payout procedures at the stage of Provisional Administration DGF Authorized Officer’s activities during payout procedures DGF’s activities during payout procedures Agent bank’s activities Order of depositors identification Law of Ukraine “On Households Deposit Guarantee System” Law of Ukraine “On Households Deposit Guarantee System”

9. Payout at the stage of Provisional Administration

10. NBU decision to classify the bank as insolvent Getting the Depositors List from authorized DGF officer Depositors List scrutiny Public awareness about introduction of Provisional Administration Payout Getting reporting about targeted loans use Targeted loans transferring DGF Executive Directorate Decision to grant targeted loans to the insolvent bank Appointment of authorized DGF officer Payout preparations Formation of Depositors List and targeted loans budgeting by authorized DGF officer Reporting on payouts analysis Payout procedure scheme in the course of Provisional Administration

11. The DGF is entitled to grant targeted loans to a bank in order to fulfill liabilities of a bank to the depositors under the expired agreements and individual bank account agreements within the guaranteed amount.

12. During the period of Provisional Administration in two insolvent banks through the DGF targeted loans the depositors were paid 1 116.6 mln UAH. (approx. 140 mln. USD)

13. Payout at the stage of Liquidation

14. Formation of Depositors List and guaranteed deposit sums payout budgeting by authorized DGF officer (3 days) Formation of Depositors List and guaranteed deposit sums payout budgeting by authorized DGF officer (3 days) Payouts Appointment of authorized DGF officer Reporting on guaranteed deposit sums payout analysis Public awareness about guaranteed deposit sums payout (6 days since decision to liquidate the bank and revoke the banking license has been taken ) Public awareness about guaranteed deposit sums payout (6 days since decision to liquidate the bank and revoke the banking license has been taken ) Depositors List scrutiny and General Depositors List (GDL) formation. Getting reporting about monetary funds use Payout preparations NBU decision to liquidate the bank and revoke the banking license Getting the Depositors List from authorized DGF officer Contract execution with agent banks GDL approval by the DGF Executive Directorate (6 days since decision to liquidate the bank and revoke the banking license has been taken ) GDL approval by the DGF Executive Directorate (6 days since decision to liquidate the bank and revoke the banking license has been taken ) (7 days since decision to liquidate the bank and revoke the banking license has been taken ) Transferring of GDL and monetary funds destined to guaranteed deposit amount payout to the agent banks(7 days since decision to liquidate the bank and revoke the banking license has been taken ) Guaranteed deposit sums payout procedure

15. Carried out to: put into trust management of a bank; of less than UAH 10; certified by a saving (deposit) certificate payable on demand; deposited by a member of the supervisory board, management board (board of directors), audit committee of a bank, if less than one year elapsed from termination of office by such individual until the National Bank of Ukraine has classified such bank as insolvent; held by a substantial shareholder in the bank; of a person who receives deposit interest from a bank on more favorable than ordinary contractual terms, or enjoys other financial preferences from the bank; in the bank that serve as pledge and secure depositor’s liabilities to such bank within the amount of such liabilities; with subsidiaries of a foreign banks. Guaranteed amount payout Depositors; Fiduciary; Legattes. The DGF shall not pay out any funds: The DGF shall not pay out any funds:

16. The payout shall be performed with respect to the amount paid to a depositor during the period of a provisional administration in a bank.

17. The banks shall be selected as the DGF agent banks in accordance with the Regulations on the procedure for the selection of the Deposit Guarantee Fund agent banks Approved by Decision of the DGF Executive Directorate on 07.12.2012 # 6 Registered in the Ministry of Justice of Ukraine September 4, 2012 # 1494/21806

19. Over the entire period of its history the DGF indemnified the depositors of liquidated banks through the offices of 15 agents banks. Over the entire period of its history the DGF indemnified the depositors of liquidated banks through the offices of 15 agents banks.

20. The DGF shall complete the payout of the guaranteed deposit sums of the guaranteed deposit sums on the date of making record in the Unified State Register of Legal Entities the Unified State Register of Legal Entities of liquidation of a bank as a legal entity. of liquidation of a bank as a legal entity. The DGF shall complete the payout of the guaranteed deposit sums of the guaranteed deposit sums on the date of making record in the Unified State Register of Legal Entities the Unified State Register of Legal Entities of liquidation of a bank as a legal entity. of liquidation of a bank as a legal entity.

21. (near 730 USD) Total payout statistics

23. As of January 14 th 2014

25. The DGF has completed payout to the depositors of the following banks

26. Фонд гарантирования вкладов физических лиц бульвар Тараса Шевченко, 33-Б, 01032, г. Киев, Украина телефон: +38 044 333 35 77 Факс: +38 044 333 35 56 Website: www. fg.gov.ua E-mail: fgvfo@fg.gov.uafgvfo@fg.gov.ua