Dear Sirs,

CREDIT- MOSCOW JOINT STOCK BANK- SWIFT CODE: CRMORUMM lost its license, therefore mBank S.A. advises you to pay particular attention to foreign payments made to beneficiaries holding accounts with that bank.

Under the current circumstances, such foreign payments may be:

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

 You are requested to remain cautious about making payments to beneficiaries holding accounts with that bank.

Best regards,

Transactional Banking Department