Amendments to the Bank Credit Agreement(s)

Hello, please be informed that the Bank Credit Agreement(s) between you and TBC Bank has/have been amended (the following provision was specified).

The provision on Credit Agreement Validity Extension has been revised to read as follows:

1. Agreement under which the Extension Clause only applies to a particular bank credit agreement:

"The Client is entitled to apply to the Bank within the credit term indicated herein and request its extension (extension of the validity of the agreement between the Bank and the Client):

The Bank will ensure that the validity of the aforementioned agreement(s) is extended at the Client's request only by the maximum term (counted from disbursement) for the loan / credit product in question as envisaged in President of National Bank of Georgia's Order #44/04 of 13 March 2020 (hereinafter the "Order") on the Approval of Regulations for Lending to Individuals. If the credit term is extended, the Bank will be guided by the maximum term(s) envisaged in the Order effective as of the date of execution of this Credit Agreement. Furthermore, unless the age limit (70 years for all credit products and 75 years for quick installment loans) set in the Bank's credit policy prevents extension of a credit by the maximum term envisaged in the Order, the Bank will extend the term of the credit disbursed to the Client in compliance with the terms (maturity) stipulated in the Bank's credit policy, for which period the debt service ratio will be calculated at disbursement, as stipulated in the Order.

2. Agreement under which the Extension Clause applies to a particular bank credit agreement as well as to the Client's other current bank credit agreement(s) stipulated in the bank credit agreement in question.

"The Client is entitled to apply to the Bank within the credit term indicated herein and request its extension (extension of the validity of the agreement between the Bank and the Client):

The Client is entitled to apply to the Bank within the term of the credit(s) indicated below and request their extension:

The Bank Credit Agreement(s): ------------- (Note: The numbers of the relevant extendable agreements are provided in the Bank Credit Agreement).

Agreement under which the Extension Clause applies to a particular bank credit agreement as well as to the Client's other current bank credit agreement(s) stipulated in the bank credit agreement in question. "The Client is entitled to apply to the Bank within the credit term indicated herein and request its extension (extension of the validity of the agreement between the Bank and the Client): The Client is entitled to apply to the Bank within the term of the credit(s) indicated below and request their extension: The Bank Credit Agreement(s): ------------- (Note: The numbers of the relevant extendable agreements are provided in the Bank Credit Agreement).

3. Agreement under which the Extension Clause only applies to the Client's other current bank credit agreement(s) stipulated in the bank credit agreement in question:

The Client is entitled to apply to the Bank within the term of the credit(s) indicated below and request their extension:

The Bank Credit Agreement(s): ------------- (Note: The numbers of the relevant extendable agreements are provided in the Bank Credit Agreement).

The Bank will ensure that the validity of the aforementioned agreement(s) is extended at the Client's request only by the maximum term (counted from disbursement) for the loan / credit product in question as envisaged in President of National Bank of Georgia's Order #44/04 of 13 March 2020 (hereinafter the "Order") on the Approval of Regulations for Lending to Individuals. If the credit term is extended, the Bank will be guided by the maximum term(s) envisaged in the Order effective as of the date of execution of this Credit Agreement. Furthermore, unless the age limit (70 years for all credit products and 75 years for quick installment loans) set in the Bank's credit policy prevents extension of a credit by the maximum term envisaged in the Order, the Bank will extend the term of the credit disbursed to the Client in compliance with the terms (maturity) stipulated in the Bank's credit policy, for which period the debt service ratio will be calculated at disbursement, as stipulated in the Order.

The amendment applies to the following types of credit facilities (agreements for these credit facilities):

For detailed information, please call TBC Bank's hotline.

+(995 32) 227 27 27