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The materials contained herein are not for release, publication or distribution, directly or indirectly, in whole or in part, in or into any jurisdiction where to do so would constitute a violation of the relevant laws or regulations of such jurisdiction.

The information contained herein and on the pages that follow does not constitute an offer of securities for sale or a solicitation of an offer to purchase securities in the United States or in any jurisdiction or jurisdictions in which such offers or sales are unlawful. The securities referred to herein and on the pages that follow have not been nor will they be registered under the U. S. Securities Act of 1933, as amended (the «Securities Act»), or with any securities regulatory authority of any state or other jurisdiction of the United States and may not be offered, sold, pledged or otherwise transferred, delivered or distributed, directly or indirectly, within the United States or to (or for the account of) any U. S. Person (as defined in Regulation S under the Securities Act) absent a registration or an exemption from, or in a transaction not subject to, the registration requirements of the Securities Act and applicable state securities laws. There will be no public offer of the securities in the United States. The information contained on this website, therefore, is not available to U. S. Persons. Potential users of this information are requested to inform themselves about and to observe any such restrictions.

In addition, these materials are directed solely at (i) persons outside the United Kingdom, (ii) persons with professional experience in matters relating to investments falling within Article 19(5) of the Financial Services and Markets Act 2000 (Financial Promotion) Order 2005 as amended (the «Order»), (iii) high net worth entities, and other persons to whom it may lawfully be communicated, falling within Article 49(2)(a) to (d) of the Order and (iv) persons to whom an invitation or inducement to engage in investment activity (within the meaning of section 21 of the Financial Services and Markets Act 2000, as amended) in connection with the issue or sale of any securities may otherwise lawfully be communicated or caused to be communicated (all such persons in (i)-(iv) above being «Relevant Persons»). Any investment activity to which these materials relate will only be available to and will only be engaged with Relevant Persons. Any person who is not a Relevant Person should not act or rely on these materials.

Furthermore, information contained herein is not intended for any persons in the Russian Federation who are not «qualified investors» within the meaning of Article 51.2 of the Federal Law no. 39-FZ «On the securities market» dated 22 April 1996, as amended («Russian Qualified Investors») and must not be distributed or circulated into Russia or made available in Russia to any persons who are not Russian Qualified Investors, unless and to the extent they are otherwise permitted to access such information under Russian law. The information on the pages that follow may contain forward-looking statements. Any statement other than a statement of historical fact is a forward-looking statement. Actual results may differ materially from those expressed or implied by any forward-looking statement. Tinkoff Bank does not undertake any obligation to update or revise any forward-looking statements, whether as a result of new information, future events or otherwise. You should not place undue reliance on any forward-looking statement, which speaks only as of the date of its issuance.

The information on the pages that follow is current only as of its date and shall not, under any circumstances, create any implication that the information contained therein is correct as of any time subsequent to the date thereof or that there has been no change in the financial condition or affairs of Tinkoff Bank since such date. The information on the pages that follow may be updated from time to time and there is no undertaking by Tinkoff Bank to post any such amendments or supplements on this website.

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