CONTACT: EDWARD YAROVOY, SENIOR RELATIONSHIP BANKER: +995 322 444444 (EXT. 7510) / EYAROVOY@BOG.GE THIS IS NOT AN OFFER. PROVIDED UPON REQUEST FOR INFORMATION PURPOSES ONLY. CERTIFICATE OF DEPOSIT Bank of Georgia Investment Management Fixed Income Instruments: CD JSC Bank of Georgia Certificate of Deposit This Certificate of Deposit (the “CD”) is issued and offered in Georgia pursuant to the applicable regulations of Georgia. The CD can be resold or otherwise assigned based on the terms and conditions agreed by the parties, with prior notice/approval by the Issuer. CD Purchase Process Description • Bank Account with Bank of Georgia required. • CD Purchase Agreement / T&C signed with Bank of Georgia. About Issuer Bank of Georgia The Issuer, Bank of Georgia is Georgia’s leading bank with more than a third of the market share in Georgia (by assets, loans, deposits, equity). The bank offers a broad range of retail banking, corporate banking, wealth management, brokerage, custodial and insurance services to its clients. Bank of Georgia’s UK incorporated holding company Bank of Georgia Holdings plc is listed on the main market of the London Stock Exchange (BGEO:LN). Bank of Georgia remains the only Georgian entity to be rated by all three global rating agencies: ‘BB-/B’ from Standard & Poor’s, ‘B1/NP’ (FC) & ‘Ba3/NP’ (LC) from Moody’s and ‘BB-/B’ from Fitch Ratings. More Details Fixed Interest Interest Rates are fixed, calculated on the basis of actual number of days elapsed in a 360 day year. Taxation According to effective Georgian Tax legislation, all payments of principal and interest by the Issuer with respect to the CD(s) will be made without deduction or withholding for any tax. Indicative Rates (Foreign Currency) Interest End of Period (or Monthly) 12m@4.00%pa(@3.80%pa monthly ) 18m@4.25%pa(@4.00%pa monthly ) 24m@4.50%pa(@4.20%pa monthly ) 36m@4.70%pa(@4.30%pa monthly ) 48m@4.90%pa(@4.40%pa monthly ) 60m@5.00%pa(@4.50%pa monthly ) Indicative Rates (Georgian Lari) Interest End of Period (or Monthly) 12m@8.00%pa(@7.50%pa monthly ) 18m@8.10%pa(@7.65%pa monthly ) 24m@8.25%pa(@7.75%pa monthly ) 36m@8.25%pa(@7.30%pa monthly ) 48m@8.25%pa(@6.90%pa monthly ) 60m@8.25%pa(@6.60%pa monthly ) KEY TERMS ISSUER JSC Bank of Georgia ISSUER RATING BB-/B (S&P) CURRENCIES USD, GBP as per these terms * EUR, CHF available at 1% less CLEARING SYSTEM Bank Account Setup Needed ACCRUAL Monthly or End-of-Period TERMS AVAILABLE valid for up to US$5 million or eq 12 Month @ 4.00%pa 18 month @ 4.25%pa 24 month @ 4.50%pa 36 month @ 4.70%pa 48 month @ 4.90%pa 60 month @ 5.00%pa ELIGIBILITY High Net Worth Individuals, Funds, Trusts, Family Offices, other Corporates HOW TO ARRANGE • Bank Account Setup • Identification/KYC/AML • Signing Terms & Conditions BANK OF GEORGIA INVESTMENT MANAGEMENT OCT 2014

Certificate of Deposit - European Chess Union · Certificate of Deposit This Certiﬁcate of Deposit (the “CD”) is issued and offered in Georgia pursuant to the applicable regulations

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CONTACT: EDWARD YAROVOY, SENIOR RELATIONSHIP BANKER: +995 322 444444 (EXT. 7510) / [email protected] THIS IS NOT AN OFFER. PROVIDED UPON REQUEST FOR INFORMATION PURPOSES ONLY.

CERTIFICATE OF DEPOSIT

Bank of Georgia Investment Management

Fixed Income Instruments: CD

JSC Bank of Georgia Certificate of Deposit

This Certificate of Deposit (the “CD”) is issued and offered in Georgia pursuant to the applicable regulations of Georgia. The CD can be resold or otherwise assigned based on the terms and conditions agreed by the parties, with prior notice/approval by the Issuer.

CD PurchaseProcess Description

• Bank Account with Bank of Georgia required.

• CD Purchase Agreement / T&C signed with Bank of Georgia.

About IssuerBank of Georgia

The Issuer, Bank of Georgia is Georgia’s leading bank with more than a third of the market share in Georgia (by assets, loans, deposits, equity). The bank offers a broad range of retail banking, corporate banking, weal th management, brokerage, custodial and insurance services to its clients.

Bank of Georgia’s UK incorporated holding company Bank of Georgia Holdings plc is listed on the main marke t o f t he London S tock Exchange (BGEO:LN). Bank of Georgia remains the only Georgian entity to be rated by all three global

ra t ing agencies: ‘BB-/B’ f rom Standard & Poor’s, ‘B1/NP’ (FC) & ‘Ba3/NP’ (LC) from Moody’s and ‘BB-/B’ from Fitch Ratings.

More DetailsFixed InterestInterest Rates are fixed, calculated on the basis of actual number of days elapsed in a 360 day year. TaxationAccording to effective Georgian Tax legislation, all payments of principal and interest by the Issuer with respect to the CD(s) will be made without deduction or withholding for any tax.

Indicative Rates (Foreign Currency)Interest End of Period (or Monthly)[email protected]%pa(@3.80%pa monthly )[email protected]%pa(@4.00%pa monthly )[email protected]%pa(@4.20%pa monthly )[email protected]%pa(@4.30%pa monthly )[email protected]%pa(@4.40%pa monthly )[email protected]%pa(@4.50%pa monthly )

Indicative Rates (Georgian Lari)Interest End of Period (or Monthly)[email protected]%pa(@7.50%pa monthly )[email protected]%pa(@7.65%pa monthly )[email protected]%pa(@7.75%pa monthly )[email protected]%pa(@7.30%pa monthly )[email protected]%pa(@6.90%pa monthly )[email protected]%pa(@6.60%pa monthly )

KEY TERMS

ISSUER JSC Bank of GeorgiaISSUER RATING BB-/B (S&P)CURRENCIES USD, GBP as per these terms* EUR, CHF available at 1% less

CLEARING SYSTEMBank Account Setup Needed

ACCRUALMonthly or End-of-Period

TERMS AVAILABLEvalid for up to US$5 million or eq

12 Month @ 4.00%pa18 month @ 4.25%pa24 month @ 4.50%pa36 month @ 4.70%pa48 month @ 4.90%pa60 month @ 5.00%pa

ELIGIBILITYHigh Net Worth Individuals, Funds, Trusts, Family Offices, other Corporates

HOW TO ARRANGE

• Bank Account Setup • Identification/KYC/AML• Signing Terms & Conditions

BANK OF GEORGIA INVESTMENT MANAGEMENT OCT 2014

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