Sberbank(Switzerland) AG and/or any of its affiliated persons (collectively – "SberbankSwitzerland") do not have any relation to the contents of this document (the "Document"), and therefore, do not bear any responsibility to the ICO-Company, HoldCO, investors, third parties who have access to the Document or other participants of the Project (as defined below), in respect of the contents of the Document or in connection with its publication and its usage, as well as in any other respect in connection with the Document. For the avoidance of any doubts, SberbankSwitzerland shall have no liability in respect of the correctness, accuracy and completeness of the information contained in the Document, and makes no representations and warranties in this respect.

The functional of SberbankSwitzerland is strictly limited to carrying out of an analysis of the financial model of the project described in the Document (the "Project") upon request and in the Issuer's interests.

SberbankSwitzerland is not a manager of the Project, doesn't give any opinion as to the legal framework and structure of the Project (including in respect to any jurisdiction) doesn't attract investors for participating in the Project and/or making investments, performing transactions with assets that are in particular not related to civil rights objects in accordance with the legislation of the Russian Federation (the "Operations"), doesn't advise the Issuer on any issues related to the Project and/or Operations, doesn't give any recommendations as to making investments within the Project and shall not in any way be considered as soliciting, facilitating, brokering or causing investors to make investments (including investments in the Project) or perform Operations, including, but not limited to, it shall not be considered as advertising agent, broker or commission agent.

This Document does not constitute or contain legal advice in respect of any jurisdiction. Further, the Issuer, as well as SberbankSwitzerland, shall not in any way be considered as soliciting, facilitating, brokering or causing investors within any country to make investments or perform Operations that may be prohibited to them under relevant law.