System of the Deposit Guarantee

Deposit Guarantee Fund for Individuals

Please kindly be advised that JSC “Deutsche Bank DBU” (Bank) Bank operates only as corporate bank in Ukraine and it does not offer or provide any banking or finance services and/or products to individuals (including, Ukrainian and foreign nationals and/or Ukrainian and foreign individual entrepreneurs), including opening and/or maintenance of bank accounts and/or issue of payment cards and/or opening and/or maintenance of accounts opened abroad.

Please be informed that in accordance with the requirements of the “Instruction on the Procedure for the Implementation of the Guarantee Fund of Individuals' Deposits for the Protection of Rights and the Interests Protected by Law Depositors” approved by Decision No. 825 dated 26 May 2016 of the Executive Directorate of the Deposit Guarantee Fund for Individuals (Deposit Guarantee Fund), to each depositor (an individual and/or individual entrepreneur) of the Bank, the Deposit Guarantee Fund guarantees the reimbursement of his/her deposit. The Deposit Guarantee Fund reimburses the amount of such deposit, including any interest, as of the date of the withdrawal of a relevant bank from the market, but not more than the maximum amount of the reimbursement on deposits set on that day, regardless of the number of deposits in one bank.

The maximum amount of the reimbursement on deposits is set in accordance with Article 26 of the Law of Ukraine “On the Deposit Guarantee System for Individuals” and it is current equal to UAH 200,000 (two thousand Ukrainian Hryvnias, 00 kopecks).

You can receive additional information by calling the Deposit Guarantee Fund's Hotline:

Hotline of the Deposit Guarantee Fund: 0-800-308-108*, 044-333-36-55* (*according to the tariffs of the communication operator)

Address of the Deposit Guarantee Fund: 17 Sichovykh Striltsiv St. (first floor), Kyiv 04053, Ukraine

Website of the Deposit Guarantee Fund: www.fg.gov.ua

E-mail of the Deposit Guarantee Fund: fgvfo@fg.gov.ua

Below we publish certain documents and information related to the Bank’s participation in the Deposit Guarantee Fund and the information which relates to the system on the deposit guarantee established in Ukraine:

(i) Scan copy of the Deposit Guarantee Fund Certificate of the Bank

(ii) Template of a Certificate on the System of Deposit Guarantee for Individuals

(iii) The maximum amount of the reimbursement on deposits

(iv) Details of the Deposit Guarantee Fund (location, hotline number, address of the official web-site of the Deposit Guarantee Fund)

(v) Law of Ukraine “On the Deposit Guarantee System for Individuals” - https://zakon.rada.gov.ua/laws/show/4452-17#Text

(vi) Link to the official web-site of the Deposit Guarantee Fund, section “Depositors rights protection” - https://www.fg.gov.ua/zakhist-prav-vkladnikiv

(vii) Link to the official web-site of the Deposit Guarantee Fund, section “For depositors” - https://www.fg.gov.ua/articles/41406-vkladnikam.html

(viii) Link to the official web-site of the Deposit Guarantee Fund, section “Funds that are guaranteed by the Deposit Guarantee Fund” - https://www.fg.gov.ua/articles/19-koshti-shcho-garantuyutsya-fondom.html

(ix) Link to the official web-site of the Deposit Guarantee Fund, section “Funds that the Deposit Guarantee Fund does not reimburse” - https://www.fg.gov.ua/articles/18-koshti-yaki-fond-ne-vidshkodovuye.html

At the same time, considering that the Bank operates only as corporate bank in Ukraine and it does not offer or provide any banking or finance services and/or products to individuals (including, Ukrainian and foreign nationals and/or Ukrainian and foreign individual entrepreneurs), the Bank did not develop, has no intention to develop and has no: (i) terms of the accession agreements, other public agreements for individuals (related to the execution of agreements); (ii) prices of banking services, interest rates and tariffs of the Bank for individuals (related to the execution of agreements); (iii) promotional offers (loyalty programs) for individual depositors/potential individual depositors, conditions of their application and term of their validity; and/or (iv) templates of agreements with individuals for each type of bank account and bank deposit for individuals.

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Finally, to raise the level of financial awareness of citizens, the Deposit Guarantee Fund initiated the creation of the following videos on the functioning of the System on the Deposit Guarantee:

• About the Deposit Guarantee Fund for Individuals - https://www.youtube.com/watch?v=0VjdxTIhtbI&list=PLGcjJM9ddzmZgLa__SA83qCA26GdcWjbn
• Terms of guaranteeing bank deposits - https://www.youtube.com/watch?v=EBLKcTYLBCA
• Place funds in the bank carefully - https://www.youtube.com/watch?v=VPwUnbzedy4
• Place funds in the bank within the maximum amount of compensation - https://www.youtube.com/watch?v=MbdEJp79rhA
• The bank has burst or not, but the loan must be repaid - https://www.youtube.com/watch?v=vuitSPizAbc
• Borrower's memo - https://www.youtube.com/watch?v=xC-d0pVhJf8&list=PLGcjJM9ddzmZgLa__SA83qCA26GdcWjbn
• Deposit agreement without secrets - https://www.youtube.com/watch?v=_H3oQU2o0hM&list=PLGcjJM9ddzmZgLa__SA83qCA26GdcWjbn

The purpose of these videos is to cover issues related to state guarantees for reimbursement of deposits of individuals and individual entrepreneurs in Ukrainian banks. They provide information on the amount of the guaranteed amount of compensation, the types of deposits guaranteed by the Deposit Guarantee Fund, the importance of studying the contracts before signing them, the rights and obligations of depositors, etc. Broadcasting educational videos will help increase depositors' confidence in banks, financial stability and increase the welfare of citizens.