With reference to the downgraded ratings of Russia, unstable economic situation, sanctions imposed on Russia by the European Union and the United States as well as conflict on the territory of Ukraine, we warn you against potential irregularities which are independent of our Bank. They may occur by execution of foreign orders for the benefit of beneficiaries holding bank accounts in Russia and Ukraine.

Under the current circumstances, such foreign payments may:

• be delayed or withheld both by intermediary banks and a beneficiary's bank,
• be returned by intermediary banks or a beneficiary's bank,
• even result in loss of transferred funds.

Please, kindly remain cautious about meeting your obligations to business partners holding bank accounts in Russia and Ukraine. We suggest that before issuing foreign orders you should verify credibility, through contacting your business parties in Russia and Ukraine, the financial standing and full operating