July 2016

Bank’s overview Business Performance

Key Financials Appendices

1 KEY PERFORMANCE INDICATORS(1)

Assets and net loan portfolio(2) Asian-Pacific Bank is the largest private regional bank of the Far East and Siberia RUB mln 143 069 130 467 131 798 118 556 Head Office: Blagoveschensk, Amur Region 92 176

60 530 Branch network (mainly in Far East and Siberia): 41 781 82 837 85 591 74 915 75 767 60 540 39 494 219 offices 109 localities 18 regions 20 898 2010 2011 2012 2013 2014 2015 1Q2016

Net loans Other assets

Key ratios Equity

RUB mln +4% 2012 2013 2014 2015 1Q’16

Net interest margin 11.7% 11.1% 10.2% 6.4% 6.5%

Cost/Income 43.4% 41.3% 36.9% 46.0% 43.7% 15 896 16 526 14 590 14 856 ROAA 4.3% 3.0% 0.04% (1.2%) 1.4% 11 529 8 724 ROAE 32.2% 23.8% 0.3% (10.3%) 11.9% 5 493

2010 2011 2012 2013 2014 2015 1Q'16

2 (1) Hereinafter data from IFRS financial statements (2) Including net investments in finance leases NET RESULT REVERTS IN PROFIT BOTTOM OUT RECOVERY IN 1Q’16

Net Profit Controlled Stable Costs Net Interest Margin

RUB mln RUB mln RUB mln

2014 2015 1Q'15 1Q'16 46,0% 45,9% 43,7% 37,4% 50 198 10,2% 6,4% 6,4% 6,5%

1813 2345 (1252) +17% (1585) 14269 3530 3236 12128 457 514 812 899 2764 3231 2014 2015 1Q'15 1Q'16 2014 2015 1Q'15 1Q'16 Personnel expenses Administrative expenses Operating income NIM CTI ROA / ROE Cost of Risk Reduction Balance in Loan Structure to Corporates

RUB mln

2014 2015 1Q'15 1Q'16 2014 2015 1Q'15 1Q'16

12,2% 9,6% 38% 8,6% 48% 50% 11,9% 0,3% (10,3%) 0,3% 5,0%

0,0% (1,2%) 0,0% 1,4% (1172) (2986) 62% 52% 50% (8812) (8347) ROA ROE -2.5x 2014 2015 1Q'16

Retail Corporate

-5% Loan loss impairment charge CoR 3 MILESTONES: HISTORY AND ACHIEVEMENTS

• APB inclusion in the list of 10 regional Through stable successful development as well as absorption of regional players the banks for participation in the government program for capitalization Bank has become the leading financial institution in the Far East and Siberia • Purchase of loan portfolio of Raiffeisen Bank at the Far East • APB acquired M2M Private Bank (JSC). Transaction to be completed in 1Q2016 2016 • VMHY injected RUB 2,2 bln into the Bank • RUB 3bln bond issue, capital 3-year term The award • EBRD provided RUB 1bln loan 2015 "Financial Elite • Purchase of offices of several facilities for financing of SMEs & of ", banks exiting Far East and Siberia Energy Efficiency projects Grand-Prix: • Opening of the proprietary • Fitch assigned B+ long-term Regional Bank processing center issuer default rating • Moody’s rating upgrade to B2 • APB is in top-30 banks by net • EBRD’s Trade Facilitation and SME profit • IFC acquired 7% stake in APB lending programs • 3 new regions in Siberia 2014 • Rapid expansion of the network • RUB 3bln second mortgage-backed • SME & Corporate banking active 2013 bonds issue development 2012 • Additional share issue for the total amount of RUB 609mln 2011 • Debut RUB 1.5bln 3-year bond • Placement of Subordinated Eurobonds in 2010 issue • VMHY acquired the amount of USD 42 mln • KB and KPB merged with APB • IFC granted USD 30 mln 7-year control over • MIB provided EUR 20 mln for financing of 2008 subordinated loan Amurpromstroyban • Acquisition of Expo-Leasing SMEs&Energy Efficiency projects k and Kolyma Bank • Debut mortgage-backed bonds • Further proactive expansion in Far East (KB) issue: RUB 2 bln, maturing in 2045 2006 and Siberia • Retail banking development • VMHY acquired KamchatPromBank (KPB) • Moody’s assigned B3 rating launched • Asian-Pacific Bank (APB) is the new brand name of the Bank; 2004 • Regional expansion in Far East • East Capital acquired minority stakes in APB, KB & KPB

1992 Incorporation of Amurpromstroybank

4 RATINGS AND RANKINGS

Ratings

APB being the leading regional financial institution in its home market steadily ranks among the 100 largest banks of the Russian Federation B-/Negative

The Bank is one of the largest lenders to individual entrepreneurs, small and medium-sized enterprises, regional mortgage lenders, lenders to individuals (Top-30 as at 01.01.2016)* A(II)/Stable

TOP-100 Russian Banks** Rankings

#1 by assets among multiregional Banks (1) 61 54 #5 by gold purchased from mining companies(2) 82 78 #20 by SME loan portfolio (3)

144 (4) 125 #29 by retail loan portfolio

Assets #51 by total loan portfolio (5) Equity 2008 2010 1Q’16

Sources: * Banki.ru, 1.4.16 5 * * Interfax, 1.4.16 (1) Frank Research Group, 1.4.16, (2) Prime, Gold Mining Bulletin, 2015, (3) Expert RA, 1.1.16, (4) Banki.ru, 1.4.16, Expert RA, 1.3.16, (5) Banki.ru,1.4.16, (6) FORBES, 17.3.16 GEOGRAPHICAL FOOTPRINT

The Bank’s regional presence includes all the centers of economic activity in the Far East and Siberia

Egvekinot

Ugolnie Kopi Anadir

Bilibino

Omsuchkan

Norilsk Mjaundga Susuman Yagodnoe Sinegorie Moscow Ust-Omchug Magadan

Elizovo Ajkhal Petropavlovsk-Kamchatskii Viluchinsk Nurba Vilujsk Borogonci Mirnii Yakutsk Berdigestjah Nizhnii Bestyah

Pervouralsk Pokrovsk Lensk Olekminsk Ekaterinburg Aldan

Nerjungri Lesosibirsk Kodinsk Ust-Ilimsk Bodajbo Olekma Zheleznogorsk Kansk Nizhneudinsk Borodino Zeja Krasnoyarsk Sosnovoborsk Zheleznogorsk-Ilimskij Yuzhno-Sahalinsk Urga Anghero-Sudgensk Bratsk Kemerovo Severobajkalsk Kholmsk AchinskChernogorsk Vikhorevka Tulun Sayansk Svobodnii Belogorsk Komsomolsk-na-Amure Prokopievsk Serishevo Korsakov Sharipovo Nazarovo Zima Leninsk-Kuznetskii Berezovka Cheremkhovo Amursk Novokuznetsk Blagoveschensk Novoburejsk Barnaul Minusinsk Usolie-Sibirskoe Chita Rajchihinsk Birobidgan Osinniki Abakan Angarsk Shilka Vanino Shushenskoe Progress Bijsk Irkutsk Karymskoe Khabarovsk Sovetskaja Gavan Majna Sayanogorsk Shelekhov Borzya Dalnerechensk Kabansk Dalnegorsk cheremushki Ulan-Ude Krasnokamensk Lesozavodsk Spassk-Dalnii Muhorshibir Zabaikalsk Presence of APB in Russia: Arseniev Kyakhta Ussurijsk Zakamensk Artem Far East Siberia Urals Vladivostok Nakhodka

Top 3 largest network in the Far East and Siberia 219 sales offices 109 cities / 18 regions of Russia 6 Sources: Bank’s Data as of 01.04.2016 SHAREHOLDER STRUCTURE

Techsun Enterprises Limited East Capital Financial Fund AB 17.92% 8.41% Alexey Maslovsky 22.53% International Finance Corporation (IFC) 6.71%

Andrey Vdovin and members of his Others 1.82% family 22.53% Evgeny Aksenov 3.08% Management 1.13% Treasury shares 1.76% PPFIN Holding Peter Hambro and members of his family 59.17% 22.53%

International Finance Corporation (IFC) PPFIN Region and Techsun, parts of VMHY group East Capital Financials Fund AB Investment arm of the World Bank Group with investments in banking, insurance, retail, IT, Leading Swedish Asset Managing company focused Shareholder since 2008 gold and iron ore mining, real estate, leasing, on Emerging Markets (Eastern Europe, CIS and factoring. The group’s net assets are USD 2.4 bn. China), having EUR 4.1 bn under management Shareholder since 2006

7 CORPORATE GOVERNANCE

General Shareholders’ Meeting Revision Committee

Remuneration Audit and Risk Board of Directors Committee Committee

Andrey Vdovin Internal Control Chairman of the Board of Directors

Alexander Oleg Margot Murychev Andrey Rinat Marc Van der Plas Safonov Jacobs Independent Novikov Dosmukhamedov director

Andrey Novikov Chairman of the Executive Board

Igor Mikhail Vyacheslav Dmitry Andrey Tatyana Zylberblum Pavlov Andrushkin Makarov Chavtur Chekonova Customer lending & Capital markets & Corporate Far East IT & Operations Distribution network Collection Precious metals

8

Bank’s overview Business Performance

Key Financials Appendices

9 RETAIL BUSINESS RESULTS 1Q’16

Market Position Plastic Card Operations and Related Services

Constantly growing market in the regions of presence 488 000 cards issued as at 1 Apr’16, 300 000 of which are activated

High brand recognition More than 133 000 credit cards were issued as at 1 Apr’16 Three major client segments in the retail client base: 279 АТМs and 227 payment terminals mass market clients Proprietary processing center retirees VIP clients (mass affluent) More than 4 064 SMEs/corporates are involved in payroll projects of the Bank.

In 2008 – 2015, client base of retail clients has increased 3x: from 222 000 in 2008 to more than 810 000 in 2015

Customer Accounts Dynamics Issued Plastic Cards Structure

RUB mln Co-brand cards

+2% Social cards 2% 16% Free circulation cards 33%

74 211 75 768 488,000 58 633 50 480 23% 43 385 28 936 20 768

Credit cards 26% 2010 2011 2012 2013 2014 2015 1Q'16

Payroll cards 10 RETAIL LOAN PORTFOLIO 1Q’16

Gross Loans by Regions(1)

Other Yakutiya

Share of retail loans in total loans (incl. leasing) is 55.7% in Kamchatka 11% 14%

1Q’16 Magadan 4% Irkutsk 4% Retail loans are denominated in RUB Khakassia 10% 4% Two mortgage backed securitization for total amount of more RUB 53.5 bn 8% than RUB 5.5 bn Zabaykalie 10% Amur

High geographic diversification of retail loans: share of each 8% region does not exceed 15% of total loans 10% Primorye 8% 9% Krasnoyarsk

Khabarovsk Buryatia

Loans Dynamics Gross Loans by Products(1)

RUB mln Right on demand Car loans 3% 4% Credit lines 7%

Mortgage 7% 64561 59267 55101 53476 43269 10% RUB 53.5 bn 25782 69% Consumer loans Microlight 7407 13163

2009 2010 2011 2012 2013 2014 2015 1Q'16

(1) RAS as at 01.01.16 11 SME / CORPORATE BUSINESS 1Q’16

SME/Corporate loans by sectors

Number of Corporate and SME clients increased from 7ths in 2008 Other to 18ths in 2015 Trade Production 14% SME and Corporate business: 23% Services 3% Corporate selling system development 4% Fishery, In each region – focus on areas of expertise forestry and 6% agriculture RUB 40.9 bn 4% Increase powers at branch level 9% The client base is well diversified by regions. Share of each region Housing 420%% does not exceed 15% of the client base and utility 11% Investments and 11% Real estate

Mining Construction SME/Corporate Customer accounts SME/Corporate loans by regions

RUB mln

Other* 27%

43% Moscow RUB 40.9 bn 30890 29816 25865 5% 21758 19580 17405 Irkutsk 11554 5732 5%

2009 2010 2011 2012 2013 2014 2015 1Q'16 Amur 6% 7% 7% Krasnoyarsk

Kamchatka Yakutia 12 SME are legal entities and individual entrepreneurs with annual revenue of not more than RUB 400 mln *Including Kemerovo, Khabarovsk, Magadan, Primorye, Chita, Khakasia, Buryatia, Sakhalin, Chukotka, Altay, Ural

SME / CORPORATE LOAN PORTFOLIO 1Q’16

Gross SME/Corporate Loans (1) growth

RUB mln During 1Q 2016 gross SME and corporate loan portfolio grew +5% by 5% 40878 38911 High quality of SME and corporate loan portfolio: only 3% of 34159 the gross portfolio is non performing for more than 90 days. 26969 73% 18119 13878 8953 4268 27%

2009 2010 2011 2012 2013 2014 2015 1Q'16 SME Corporate

Gross Corporate Loans Dynamics Breakdown by Loan Amount (2)

RUB mln over RUB 300 mln

21%

38 911 40878 5% RUB 40.9 bn RUB 100-300 mln 43% Up to RUB 10 mln 34 159 26 969 7% 18 119 13 878 RUB 60-100 mln 8 953 4 268 9% 2009 2010 2011 2012 2013 2014 2015 1Q 2016 15% RUB 30-60 mln

Notes: RUB 10-30 mln From 1.1.14 SME are legal entities and individual entrepreneurs with annual revenue not more than RUB 400 mln 13 (1) Excluding leasing, breakdown on corporates and SMEs is calculated under RAS, (2) Excluding leasing OPERATIONS WITH PRECIOUS METALS

APB is one of the largest commercial banks of Russia by gold Volume of gold purchase contracts with purchased from mining companies mining companies ton More than 90 gold producers are served by the Bank +23%

APB took the 5th place among the Russian banks by volume of gold purchased from mining companies in 2015(1) 10.0 6.9 8.0 8.0 5.3 In 2013 and 2014 APB was awarded as the best regional bank in 3.4 3.9 the Russian market for precious metals: 2009 2010 2011 2012 2013 2014 2015

Lending to mining companies

RUB mln

3255

1685 930 1097 944 89 451 2009 2010 2011 2012 2013 2014 2015

14 (1) Prime, by Gold Mining Bulletin, 2015. TRADE FINANCE

Trade Finance Portfolio Dynamics

RUB mln 173 175

Trade finance has been developing since 2011 110 86 Participation in EBRD and IFC programs 31 17 Accreditation in the export credit agencies of Germany (Euler Hermes), Austria (OeKB), Italy (SACE), Sweden (EKN) 4534 3877 2553 2865 1826 827

2011 2012 2013 2014 2015 1Q'16 «Most active Russian regional bank in 2012» by EBRD under Trade Facilitation Programme: Portfolio # of transactions

Growth Drivers

The weakening of Russian Ruble will stimulate export growth The development of relations with Chinese banks will increase the Bank’s capabilities in trade financing

15 RELATIONS WITH DEVELOPMENT INSTITUTIONS

■ Owns 7% of the Bank’s shares ■ 7 years RUB 520 mln credit facility for SME on-lending ■ USD 40 mln Global Trade Finance Program credit line ■ 7 years USD 30 mln Subordinated loan

■ USD 18 mln. Trade Facilitation Program credit line ■ 5 years RUB 1.2 bn facility for SME on-lending ■ 4 years RUB 1.050 mln facility for financing of SME and Energy Efficient projects

■ 5-year RUB 2.2 bln facilities for SME on-lending facility ■ 5-year RUB 500 mln facility for financing of SME and Energy Efficiency projects ■ 5-year RUB 1.0 bln guarantee mechanism for the implementation of investment projects on bank guarantees ■ 7-year RUB 250 mln facility for financing of SME and modernization projects ■ 5-year RUB 1.65 bln facility for financing of SME and Energy Efficiency projects as well as SME (non- trade activities) in the Far East ■ 7-year RUB 200 mln facility for financing of SME in the Far East

■ 5-year EUR 20 mln facility for financing of SME and Energy Efficiency projects ■ 5-year EUR 5 mln Trade Finance Program

16 MEMBERSHIP IN INTERNATIONAL ORGANIZATIONS

APB is a member of Sino-Russian Financial Council established by Harbin Bank and Sberbank of Russia

DEVELOPMENT OF FINANCIAL COOPERATION BETWEEN BANKS IN THE CONTEXT OF SINO-RUSSIAN FINANCIAL COUNCIL:

Financing (including syndicated lending) of companies, implementing foreign 1 economic projects - also in the Territories of Advanced Development (TAD)

Cooperation in the provision of information on potential investment projects in 2 the territories of advanced development for searching potential investors in China

3 Verification, assessment of credit risks and further support of the investment projects

Development of interbank cooperation between the members of Sino-Russian 4 Financial Council with regard to correspondent banking, business in the financial markets, banknote business, etc. 17

Bank’s overview Business Performance

Key Financials Appendices

18 BUSINESS MODEL

Asset structure

Capital, intangible and other assets Well diversified assets structure Corporate loans 8% (incl. leasing) The share of loans to customers (including leasing Cash, due from banks, 6% portfolio) accounted for 73% of total assets as of 1 Apr’16 REPO 30% 17% 25% 18% Balanced structure of corporate/SME loans 2015 Under volatile economic conditions the Bank maintains a high level of liquid assets: by investing in securities and 17% placing cash in other banks/ FIs: 16% and 17% of total 16% assets, respectively. 34%

Securities Fixed assets are mainly represented by the offices owned by 29% 1Q’16 the Bank (89% of space of all offices as of 1 Apr’16) Retail loans Liability structure 81% of the Bank's liabilities consist of customer deposits and accounts. Issued securities Other 2% Market funding accounts for 19% of the liabilities for 1Q’16 Accounts 16% and includes deposits from banks, subordinated borrowings of banks and FI 4% and issued debt securities 14%

Accounts and deposits of individuals 2015 Corporate accounts 17% 58% 23% and deposits 64%

1Q’16 19 STRUCTURE AND DYNAMICS OF ASSETS 1Q’16

Asset structure Balances with CBR Placements with banks Total assets reached RUB 131.8 bn. Other Fixed and intangible assets 4% 3% The Bank adheres to conservative policy of investments in 4% securities; the majority of the portfolio is government and municipal bonds, and corporate bonds with rating BBB- and Cash 11%

above ( 64.8% of bond portfolio) RUB 131.8 bn Loans to customers Amount of liquid assets (including securities portfolio): 39.7 % of (incl. leasing) 58% total assets 18% High loans to customers diversification by regions Securities

Asset dynamics Total assets by regions

RUB mln Western Russia

37% Far East 44% RUB 124.7 bn 143069 130467 131798 118556 92176 60530 41781 19823 19%

2009 2010 2011 2012 2013 2014 2015 1Q'16 Siberia

20 FUNDING 1Q’16

Liability structure Customer deposits are 79% of the Bank’s liabilities as of 1 Apr’16 Other liabilities Debt securities issued Structure of customer funding base: 10% Subordinated 4% term deposits - 82% borrowings current accounts - 19% 4% Deposits from Securities 6% The following securities are outstanding: individuals RUB 115.3 bn 51% • 3-year domestic bond issues for the total amount of RUB 3 bn Due to banks 5% • 3 residential mortgage backed securities issues for the total amount of RUB 7.3 bn 20%

Deposits from corporate customers

Customer accounts dynamics, RUB mln Customer accounts by regions

RUB mln Western Russia

74 210 25% 50 480 58 633 73 513 79% 43 385 28 936 20 768 RUB 112.6 bn 30 890 29 816 10 315 17 405 21 758 25 865 19 580 21% 5 732 11 554 60% Far East 2009 2010 2011 2012 2013 2014 2015 1Q'16 Siberia 15% Corporate customers Individuals

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Bank’s overview Business Performance

Key Financials Appendices

22 KEY FINANCIAL METRICS

BALANCE SHEET, RUB MLN PROFIT AND LOSS STATEMENT, RUB MLN

ASSETS 2009 2010 2011 2012 2013 2014 2015 1Q’16 2009 2010 2011 2012 2013 2014 2015 1Q ‘16 Cash & Deposits Interest Income(1) 2 760 4 359 7 092 11 079 15 940 16 892 17 993 4 436 2 193 3 943 4 179 5 738 8 774 14 869 17 972 19 044 with CBR Interest Expense (1 203) (1 972) (2 499) (4 567) (7 012) (7 529) (10 752) (2 604) Due from banks, 2 031 7 164 1 314 3 778 3 436 2 560 10 334 3 278 Net Interest Income 1 557 2 387 4 593 6 513 8 928 10 7 241 1 832 Rev.repo Net Fee &Commission 239 498 923 1 995 3 273 3 259 2 259 586 Securities 3 758 7 485 9 851 15 813 16 900 18 899 28 022 21 096 Income Loans (gross) 11 675 22 116 39 660 61 388 86 236 98 719 94 012 94 353 Net Gain on Financial Retail Loans 7 407 13 163 25 782 43 269 59 267 64 560 55 101 53 476 Instruments, Corporate 140 671 546 1 084 1 465 1 016 575 550 4 268 8 953 13 878 18 119 26 969 34 159 38 911 40 878 Currency, Precious Loans Metals Loan Loss (1 932) (1 800) (1 808) (2 920) (5 811) (13 128) (19 097) (18 586) Provisions Other operating income 193 236 328 514 541 836 1 093 333 Operating Income 2 129 3 791 6 390 10 106 14 207 14 269 12 127 3 230 Net Investments in - 583 1 643 2 071 2 412 2 082 1 901 1 820 Finance Lease Impairment Losses (694) (532) (536) (1 732) (4 478) (8 879) (8 533) (1 195) Fixed Assets 1 475 1 892 4 220 4 592 5 006 5 196 5 138 5 452 Personnel Expenses (677) (1 105) (2 190) (2 997) (3 897) (3 530) (3 236) (899) Administrative Other Assets 623 398 1 471 1 716 1 603 1 270 4 786 5 339 (513) (716) (1 039) (1 393) (1 965) (1 813) (2 345) (514) Expenses Total Assets 19 823 41 781 60 530 92 176 118 556 130 467 143 069 131 797 Profit before tax 244 2 503 2 625 30 983 3 866 47 (1 986) 623 Tax expense (72) (525) (431) (721) (753) (3) 401 (142)

(2) LIABILITIES 2009 2010 2011 2012 2013 2014 2015 1Q 2016 Net Profit 172 1 978 2 193 3 270 3 113 50 (1 584) 480

Due to banks 542 1 723 3 910 7 131 6 995 10 722 3 972 4 155 Retail Customer FINANCIAL RATIOS, % 2009 2010 2011 2012 2013 2014 2015 1Q’16 Accounts and 10 315 20 768 28 936 43 385 50 480 58 633 74 211 73 842 deposits Net Interest Margin 11.9 11.3 20.1 11.7 11.1 10.2 6.4 6.5 Corporate Cost-to-Income 55.9 48.0 50.5 43.4 41.3 37.4 46.0 43.7 Customer Accounts 5 732 11 554 17 405 21 758 30 890 25 865 29 816 19 580 and Deposits Cost of risk 6.3 3.0 1.7 3.4 6.0 9.6 8.6 5.0 RoAA 1.0 6.4 4.3 4.3 3.0 0.04 (1.2) 1.4 Debt securities 208 1 518 538 4 184 6 104 6 507 4 685 2 724 issued RoAE 6.8 48.9 30.9 32.2 23.8 0.3 (10.3) 11.9 Other liabilities 431 724 1 016 4 189 9 497 13 884 14 489 14 971 103 Total liabilities 17 228 36 287 51 805 80 647 115 611 127 173 115 272 966 Total Equity 2 595 5 493 8 724 11 529 14 590 14 856 15 896 16 526

Note: (1) Interest income on bonds, eurobonds and shares is not included in interest income. It is included into net gain/loss on financial instruments. (2) Before dividends. In October 2011 and April 2012 the Bank paid out dividends for the total 23 amount of RUB 300 mln and RUB 450 mln respectively

Contact us:

Solangy Oyun Victoria Chentsova Maria Rozbitskaya Investor relations Head of Trade, Structured Finance and Senior Relationship Manager Tel. +7(495)988-3062 ext.1217 International Business International Business E-mail. [email protected] Tel. +7(495)988-3069 ext.1158 Tel. +7(495)988-3069 ext.1078 [email protected] E-mail. [email protected] E-mail. [email protected]

DISCLAIMER

This presentation does not constitute an offer or an invitation to any party to subscribe for or purchase any shares or other securities of APB or any other entity, and does not constitute an offer or an invitation to any party to enter into an investment agreement or to exercise any rights conferred by a financial investment to purchase, sell, subscribe for or exchange the financial investment. This presentation contains basic information, statements, forecasts and estimates prepared by APB and its management. Information is obtained from sources believed to be reliable, but APB and its management do not guarantee its accuracy and completeness. The content of this presentation has not been independently verified. Any party potentially interested in considering opportunities related to APB should have full and complete information on all matters concerning the Bank and/or its assets, including all the information and statements contained herein. This presentation may contain forward-looking statements, estimates and forecasts. Such statements, estimates and forecasts reflect various assumptions made by the management of APB in estimating the prospective results, and such assumptions may be equally true or false. No guarantees are given regarding the accuracy or reliability of these statements, estimates, or forecasts. Past performance is not indicative of future results, they are not guaranteed. Future results are not subject to approval or warranty, either express or implied. The date on the first page of the presentation does not mean that the information contained in the presentation is complete and/or accurate as of that date. APB, its shareholders, directors and employees does not assume no obligation to update the information contained in this presentation and do not intend to update these statements to reflect events and circumstances occurring after the date of this presentation.

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