Section [ - General Administrative Infor ation

Legal Name BAWAG P S K Bank für Arbeit und Wirtschaft und Österreichische PostsparkasseAktiengesellschaft

SWIFT Address bawaatww

Principal Piace of Business (Address) Georg-Coch-Platz 2, A-1018 Vienna, Austria

Cou try of your Local Licensing Authority &Regulator (if different from above)

Does your Ba k maintai a physical presence1 i the licensing country Yes No

Na e of Affiliate / Pare t Co pany Bawag Group AG (99,623%)

Is Affiliate / Parent Compa y Publicly Traded’

Is your Ba k an Agency, Branch or Subsidiary Yes No KlYes, Parent Co pany K No

of a Bank with a Physical Prese ce’ If Yes, List Exchanges Vienna Stock Exchange as Prime Market

Indicate Affiliation Agency Bra ch Subsidiary

Licensing Country of Affiliate

Is your Bank a Publicly Traded Entity’2 Yes No Kl I f Yes, List Exchanges & Symbols

Officer Responsible for Accou t / Rei tionshi

Elena Popova-Parusheva

D

Secondary Contact Oliver Grill

Telephone umber +43 (0) 59905 ext 42021 Telephone Number +43 (0) 59905 ext 22377

E-Mail Address international@bawagpsk com E-Mail Address inter ational@bawagpsk com

Section II - Scope of Activities

PLEASE LIST THE PRINCIPAL COUNTRIES IN WHICH YOUR BA K MAINTAINS BRANCHES, AGENCIES AND SUBSIDIÄRES ADDITIONALLY, PLEASE INDICATE THE TYPE OFOPERATION AND THE NU BER OF OFFICES OR LOCATIONS (ATTACH ADDITIONAL PAGES IF NECESSARY)

Cou try Type (Branch, Agency, Subsidiary, etc )3 Number

AUSTRIA, BAWAG-P S K BRANCHES 435

AUSTRIA, easybank AG SUBSIDIARY 1

AUSTRIA, BAWAG P S K Wohnbaubank AG SUBSIDIARY 1

AUSTRIA, START BAUSPARKASSE AG SUBSIDIARY 1

AUSTRIA, I O-BANKAG SUBSIDIARY 1

GERMANY, SUD ESTBANK AT SUBSIDIARY WITH BRANCHES 28

GREAT BRITAIN, LONDON BRANCH 1

GER ANY, easybank AG Niederl ssungDeutschland

BRA CH 1

PLEASE LIST THE PRINCIPAL AREAS OF BUSINESS IN WHICH YOUR BA K PARTICIPATES I TERMS OF CONTRIBUTION TO REVENUE

Principle Areas of Business Activity which of the following constitute primarly the Financial Institution's custo erBASE (BASED ON LAST YEAR)’ PLEASE INDICATE THE SHARE OF EACH CUSTOMER G OUP THAT EXCEEDS 10% IN ABSOLUTE AND

PERCENTAGE TERMS

Approxi ate%ofRevenue

RETAIL BANKI GAND SMALL BUSINESS 56

CORPORATE LENDINGAND INVEST ENT 28

TREASURY SERVICES AND MARKETS 7

CORPORATE CENTER 9

1 Physical Presence means your Bank maintams a physical place of busmess, other than an electronic address, in a country where it is authonzed to conduct bankmgactivities, at which it employs at least one employee on a full-time basis and maintams records of its bankmg activities, and is subject to supervision by theregulators of the country authonzmg the bankmg license

2 If your Bank is an Agency, Branch or Subsidiary of a Publicly Traded Entity, the answer to the question should be Yes 3 If your Bank has more than one type of presence in a Jurisdiction, list each of the types, e g Branch / Subsidiary

Relationship Information

WHAT IS THE PURPOSE OF MAINTAININGTHIS RELATIONSHIP WITH BAWAG PSK?

WHAT TYPE AND VOLU E OF ACT1VITYSHOULD BE EXPECTED?

Section III - Ownership & Management Information(Only For Use When Your Bank is Not a a Publicly Traded Entity)

PLEASE USE FOR FURTHER DETAILS ALSO THE ATTACHMENT BENEFICIAL OWNERS INFOR ATION

IF YOUR Bank IS NOT A PUBLICLY TRADED ENTITY, PLEASE LIST THE NAMES OF THE OWNERS OF YOUR Bank, AND THEIR OWNERSHIP INTEREST (For PURPOSES OFTHIS QUESTION, AN OWNER IS ANY PERSON OR LEGAL ENTITY THAT, DIRECTLY ORINDIRECTLY, OWNS, CONTROLS OR HAS VOTING POWER OF 25% OR ORE OF ANY

CL SS OF SECURITIES OF YOUR BANK)

Name O nership Interest(Percentage)

Nature of O nership(Direct/Indirect)

Please Look at

httos //www bawaeosk com/BAWAGPSK/Ueber uns/Weiteie%20Infomi tionen/Fmanzbenchte/401438/iahresfmanzbenchte html

Parent Co pany BAWAG Group

https //www bawaesroup com/BAWAGGROUP/IR/EN/Fmancial-Results

AND FOR FURTHER INFOR ATION TO OUR ATTACHEMENT

lF ANY OF THE FOREGOING OWNERS IS A LEGAL ENTITY, PLEASE LIST THE NAMES OF THE SHAREHOLDERS OF THE LEGAL ENTITY, AND THEIR OWNERSHIP INTEREST INTHE LEGAL ENTITY 4 (PLEASE ATTACH ADDITIONAL SHEETS IF NECESSARY)

Entity ShareholdersOwnership Interest

(PercentageNature of Ownership

(Direct/Indirect)

Name Position Years of Service

Please list the na e of the Principal officers and directors of Your Bank, their respective positions and the nu ber of years e ployed by theBank (Please attach additional sheets if necessary)

For Managing Board, Please Look at

https //www.bawaspsk com/BAWAGPSK/Ueber uns/%C3%9Cbei%20Uns/Konzernsti uktur/288026/vorstand html#

Parent Co pany BAWAG Group

https//www bawaseioup com/BAWAGGROUP/aroup/EN/about bawaa aioup

4 lf the second tier shareholders also are Legal Entities, the third tier shareholders' Names, Ownership and Nature of Ownership Interests also shall be hsted Thisexercise contmues through the required numberof iterations until the true beneficial owners are identified

For Supervisory Board, Please Look athttos //www bawagpsk com/BAWAGPSK/Ueber uns/%C3%9Cbei%20Uns Konzernstruktur/288028/aufsichtsrat html

Parent Company BAWAG Group

httos//www bawaeeioup com/BAWAGGROUP/group/EN/about bawag group

Bank Details

Please provide Information on the Fina cial I stitution's Banki g licence

Type

1) Regular

2) Restricted /Off-shore

x 3) Law-State

Number GZ 235105/90-F A-l/2/03

ISSUING DATE 26-10-05

ISSUINGINSTITUTION

Austrian Financial MarketAuthority

Is the Fina cial Institution / one of its beneficial owners or shareholders / se ioranagement officials sanctio ed (e g US OFAC, UN, EU sanction list, Austria) ? No

Is O E OF THE FI ANCIAL INSTITUTION S BENEFICIAL OWNERS OR SE IOR MANAGEME T OFFICIALS APOLITICALLY EXPOSED PERSON (PeP) ? No

DOES THE ENTITY OPFER ITS CUSTOMERS AND THEIR BENEFICIAL OWNERS TO USE CORRESPO DE TBA KI G ACCOUNTS AS IF WERE ITS OWN (NESTED ACCOUNTS) ?Nested Accounts" can be used by a third party who has not been ide tified as the

CONTRACTI G PARTY OR HIS BENEFICIAL OWNER AS IF IT WERE HIS OWN ÄS A RESULT, PAY ENTS TOTHE CUSTO ER OR AT THE CUSTO ER'S REQUEST CANNOT BE CORRECTLY ASSIG ED BY THOSEI VOLVED IN THE PAYMENT CHAIN AND THEREFORE REMAIN ANONY OUS

No

WHAT CHANNELS DOES THE ENTITY USE TO SELL ITS PRODUCTS'? Yes Online

Yes Branches

Yes Sales agentsAustrianPostAG

No Other

iS AN ACCOUNT OPENING WITHOUT PERSONAL CONTACT POSSIBLE ? Yes

IF YES, HOW DOES THE FINANCIAL INSTITUTION VERIFY THE IDENTITY OF THE CUSTOMER'?

mai ly personally and Online (According to § 6 FM-GwG

HTTPS //WWW RIS BKA GV AT/DOKU ENT WXE RESULTFUNctionToken=69fd42c5-65df-4f52-9576-

549d5f5e1 b02&Position=1 &Abfrage=Bundesnor e&Kund achungsorgan=&Index=&Titel=F -

GwG&Gesetzes u mer=&VonArtikel=&BisArtikel=&VonParagraf=&BisParagraf=&VonA i ge=&BisAnlage=&Typ=&Kund achungsnummer=&Unterzeich

nungsdatum=&FassungVom=31 08 2017&VonInkrafttretedatum=&BisInkrafttretedatu =&VonAusserkrafttretedatum=&BisAusserkrafttretedatum=&Normabschnittnu erKombination=Und&ImRisSeit=Undefined&ResultPageSize=100&Suchworte=&Doku

entnu mer=NOR401 89667)

Does the Financial Institution have custo ers in one or more of the usted Industries1?Money Service BusinessProvider/Remittances

No

Re ark Only State-regul ted CompaniesInter et/online gambung

CO PA IESYes

PRECIOUS METALS ANDSTO ES

Yes

Arms No

Atomic power No

BlTCOIN OR EQUIVALENTSERVICES/VIRUTAL

CURRENCIESNo

WHAT ARE THE TOP 10 COUNTRIES (l T 0 REVENUE) WHERE THE FINANCIAL INSTITUTION S CUSTOMERS ARE DOMICILED?

Austria

EWR/EU

Does the Financial Institution provide Products or Services to countries, Companies orINDIVIDUALS WHICH ARE SANCTIONED/USTED (E G US OFAC, UN, EU SANCTION LIST, AUSTRIA)?

No

Does the Financial I stitution provide Products or Services to countries, Companies orINDIVIDUALS WHICH ARE LOCATED/ORGANISED UNDER THE LAW OF IRAN, SYRIA, NORTH KOREA, BURMA(Myanmar), Sudan or entities o the US or EU Sectoral Sanctions List?

No

Does the Financial Institution provide Products or Services to Cuba?YES, UNDER GE ERAL ÜCENSE IN § 515 585 OF THE

Cuban Asset Control Regulations

WHAT EASURES ARE APPLIED IN CASE OF A RELATIONSHIP WITH COU TRIES, COMPA IES ORINDIVIDUALS WHICH ARE SA CTIO ED/LISTED (E G AS SPECIALLY ÜESIGNATED NATIONALS)?

Transaction screening in realtime

O line screening in case of Business Initiatio (SOFTWARE WORLD CHECK)

Permanent employee Training

O GOI G SCREENING (BATCH PROCEDURE FOR ADDITIONALLISTING ENTRIES IN WORLD CHECK)

Account ope ing policies and regulatory

Isthe Financial Institution subjectto local AML laws/reguwtion? Yes

Is the Financial Institution s country e ber of the Fi ancial Action Task Force (FATF)? Yes

Does the Financial Institution co ply with the regulatory Standards of at least the EUOR ONE OF THE COUNTRIES CONSIDERED AS THIRD COUNTRIES HAVING AN EQUIVALE T AML/CFT*5REGIME?

Yes

IF NOT EU-STANDARDS, PLEASE PROVIDE THE COU TRY

Mas the Financial Institution outsourced Co pliance functions or plans to do so withinTHE NEXT YEAR?

Yes

Compliance function OUTSOURCING PROVIDER(Pl NNED) OUTSOURCINGDATE

1st LevelE2E Transaktions¬a age ent GmbH (100%

BAWAG PSK subsidiary)2014

Does Compliance have a direct reporting line to the Executive a age ent? Yes

Does the Co plia ce Officer of the I stitution have the right to give BusinessINSTRUCTIONS AND/OR RECOM ENDATIO S IN ORDER TO PREVENT OR REDUCE ML/TF*6 EXPOSURE?

INSTRUCTIONS Yes

RECOMMENDATIONS Yes

Does the institutions have an anony ity protected Compliance hotline in pu\ce ( whistleblowing")?

Yes

Does the Financial Institutio aintain a Sanctions Co pliance Program? Yes

WHICH SANCTIONS LISTS ARE UTIUZED FOR THE TRANSACTIONS AND CUSTO ER SCREE ING? Yes 1 UN

Yes 2 US OFAC

Yes 3 EU

Yes 4 OeNB

5 *anti money laundeimg (AML), combatmg fmancmg ofteno sm (CFT)6 Money laundeimg (ML), tenonsm fmancmg (TF)

Has the Financial Institution established internal written policies a d procedure toENSURE COMPLIANCE WITH THE OBLIGATIONS UNDER THE APPLICABLE AML/CTF A D SANCTIONSREGULATIONS?

Yes

|F YES, ARE SUCH INTERNAL POLICIES AND PROCEDURES APPLICABLE TO THE FINANCIAL INSTITUTION'SFOREIGN BRANCHES A D/OR SUBSIDIARIES?

Yes

Are THESE POLICIES SUBJECT TO REGUL R REVIEW AND UPDATE, WHEN APPLICABLE, E.G. FOR THE KEYPOLICIES AT LEAST ON ANNUAL BASIS?

Yes

Does the Financial Institution ensure that it s AML/sanctions policies, procedures and Controls are communicated and enforced effectively inIT S NETWORK OF DOMESTIC AND INTERNATIONAL OFFICES THROUGH THE FOLLOWING APPROACHESI

Internal circul rs Yes

PROCEDURAL MANUALS Yes

Internal audit Yes

Co pliance officer checks Yes

EXTERNAL AUDIT / REGUL TORY INSPECTION Yes

Does the Financial Institution offer payable through accounts or any other accounts which canTRANSACT THROUGH NOSTRO AND VOSTRO ACCOUNTS?

No

Does the Institution have a formal process in pl ce that allows ter ination of a customer RelationshipTHAT HAS BECOME NO LONGER ACCEPTABLE FOR AMI OR SANCTION REASONS?

Yes

Does the Institution currently offer anonymous accounts, anony ous passbooks, or numbered accountsFOR WHICH IT DOESN'T COLLECT THE FULL DETAILS OF THE BENEFICIAL OWNER?

No, ELSE TER INATED OR BLOCKED

Has THE INSTITUTION (OR PARENT COMPANY IF APPLICABLE) / ONE OF ITS BENEFICIAL OWNERS OR SHAREHOLDERS /SENIOR MANAGEMENT OFFICIALS BEEN THE SUBJECT OF ANY MONEY LAUNDERING-RELATED PROCEEDINGS,INVESTIGATIO S, SANCTIONS, PUNITIVE ACTIONS INDICTMENT, HAD PENALTIES, FINES, CONVICTION OR CIVIL ENFORCE ENTACTION IMPOSED ON THE INSTITUTION OR PARENT BANK BY A REGULATOR OR L W ENFORCE ENT BODY DÜRING THE LASTTEN YEARS?

No

IF THE ANSWER IS YES, PLEASE PROVIDE SHORT DESCRIPTIONI

IN CASE OF NEGATIVE INFOR ATION, PLEASE PROVIDE DETAILS ON MEASURES THEINSTITUTION HAS TAKEN RESULTING FRO SUCH VIOLATIONS

Has THE INSTITUTION BEEN PROSECUTED OR FINED FOR FAILURE TO CO PLY WITHFINANCIAL SANCTIONS SPECIFICATIONS IN THE LAST 5 YEARS?

No

Shell Bank No

Off-shore No

ESCROW CUMUL TIVE ACCOUNTS

Does the Financial Institution have customersWHO FULFIL ONE OR MORE OF THE LISTED CRITERIA?

Isthe Financial Institution s country memberofthe Financial ActionTask Force (FATF)?IF THE COUNTRY IS NOT A MEMBER OF THE FATF PLEASE PROVIDE THE NAME OFTHE COMPARABLE ORGANISATION TO WHICH THE COUNTRY BELONGS, (E.G.MONEYVAL, AGP-Asia PacificGroup on money l u dering).

YES, Austria is a member of FATF

How DOES THE FINANCIAL INSTITUTION PERFORM SANCTIONS SCREENING OF ALLPAYMENTS?

REAL TIME