2. PUBLIC JOINT STOCK COMPANY «ZLATOBANK», Kyiv, Ukraine 2 Trade finance. Credit line from LandesBank Berlin, Germany Finance under line is executed in a form of goods for credit without getting the money directly to importer’s account held with JSC “ZLATOBANK”. The main terms and conditions of credit line of LandesBank Berlin: According to the conditions of the Basic Agreement LandesBank Berlin, Germany finances the export of goods from Germany to Ukraine under insurance cover of export-credit agency Euler Hermes Deutschland. was signed the Basic Agreement between LandesBank Berlin, Germany and JSC “ZLATOBANK” concerning the finance of German’s export to Ukraine under insurance cover of export-credit agency - Euler Hermes Deutschland, Germany.  Sum of credit :- min. EUR 250 000,00; max. EUR 5 000 000,00, but not more than 85% from the total sum of contract;  Currency of credit:- EUR/USD;  Credit term:- up to 5 years;  Repayment condition: - in 10 (ten) equal semi-annual instalments;  Interest:- six-month EURIBOR + margin of bank (*);  Commissions under credit:- commission for obligations (*); - commission for a management a credit(*);  Exporter:- company - resident of Germany/European Union;  Importer:- company - resident of Ukraine;  Goods:- any industrial products sourcing from Germany (100%) or making the productions of Germany not less than 60%;  Payment conditions under contract:- prepayment in a sum not less than 15% from the sum of contract; - issuance of letter of credit in favour of Exporter  Insurance premium of Euler Hermes Deutschland:- included in the total sum of contract (*). (*) depends on the particular terms and conditions of the contract July 04, 2012 -

3. PUBLIC JOINT STOCK COMPANY «ZLATOBANK», Kyiv, Ukraine 3 Preconditions of the credit, to be executed by the sides:  issuing the mandate by LandesBank Berlin concerning the conditions of the finance;  conclusion of individual credit agreement (ICA) between LandesBank Berlin and JSC “ZLATOBANK”;  obtaining the Legal opinion under ICA;  getting insurance cover from Euler Hermes Deutschland;  registration of Individual credit agreement by the National bank of Ukraine;  issuance of letter of credit by JSC “ZLATOBANK” in behalf on Exporter;  getting the confirmation about the start point of crediting process from LandesBank Berlin. Trade finance. Credit line from LandesBank Berlin, Germany

4. PUBLIC JOINT STOCK COMPANY «ZLATOBANK», Kyiv, Ukraine 4 Chart of financing under Credit line from LandesBank Berlin, Germany LandesBank Berlin, Germany Euler Hermes Deutschland, Germany Exporter (company - resident of Germany/European Union) Importer (company - resident of Ukraine) JSC «ZLATOBANK» Kiev, Ukraine 1.Signing of the contract (purchase and sales contract) between Exporter and Importer; 2.Signing of: 2.1. individual agreement (IA) between JSC “ZLATOBANK” and LandesBank Berlin; 2.2. credit agreement between JSC “ZLATOBANK” and Importer; 3. Registration of IA in NBU; 4. Advance payment in amount of 15% from the total sum of contract (purchase and sales contract); 5. Application for issuance of L/C from Importer; 6. Issuance of L/C by JSC “ZLATOBANK”; 7. Advising L/C to Exporter; 8. Presentation of the documents under L/C by Exporter to LandesBank Berlin; 9. Payment under LC in favour of Exporter; 10. Providing the credit to Importer; 11. Repayment by Importer + % (in ten equal semi-annual payments) (* ) Issuance of insurance cover by Euler Hermes Deutschland;. 1. 2.1. NBU 2.2. 3. 5. 7.8.9. 10. 6. 11. 4. (*)

5. PUBLIC JOINT STOCK COMPANY «ZLATOBANK», Kyiv, Ukraine 5 Tel.: +38 044 495 81 60 +38 044 495 81 61 Address: 17/52 B. Khmelnytskogo Str, Kyiv, 01030, Ukraine E-mail: bank@zbank.com.uabank@zbank.com.ua www.zbank.com.ua ZLATOBANK your personal bank Contact information