Investor Presentaiton

GALT & TAGGART BROKERAGE - ONLINE BROKERAGE DRIVING GROWTH GALT & TAGGART BROKERAGE-GROSS REVENUES AND NET MARGINS* GEL MILLIONS NET 53.3% 49.9% 54.4% 54.7% 44.5% MARGIN 1.6 46 1.4 14 2.0 2.0 1.9 1.6 1.5 1.3 133 1.4 1.0 0.6 0.5 0.4 0.4 0.2 2Q20 3Q20 4Q20 1Q21 2Q21 FOCUS ON DIGITALISING BROKERAGE OFFERINGS SIGNIFICANT MILESTONES TOWARDS DIGITALISATION ACHIEVED IN 2020 ERP SYSTEM DASHBOARD TRADER.GE MOBILE APP ERP system enhancement to increase operational efficiency Launched Client Dashboard to improve customer experience and transparency Galt & Taggart Trader website enhancement to increase customer engagement Traditional Brokerage ■Online Brokerage** With investment phase behind, Galt & Taggart Brokerage business is now profitable and growing gradually, driven by Online Brokerage * Gross revenue stands for brokerage revenues before subtracting any brokerage and third-party brokerage fees; net margins are post these fees ** Offered through the white label solution from SAXO Bank 74 DIGITAL SOLUTION POWERED BY AI Develop mobile app in 2021 Gearing towards fully digital solution powered by AI FOCUSING ON MOBILE AND FULLY DIGITAL SOLUTIONS

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