3Q 2021 Financial Overview

MOEX Marketplace: Finuslugi* online platform Пинуслуги https://finuslugi.ru/ Deposits Insurance Loans Investment products Trial launch (Sep'20) Added in Nov/20 Unsecured consumer loans OFZ-N Commercial launch (Oct'20) ✓ 12 banks connected via API (Nov'21) 14 insurance co's (Nov'21) Other types Other types OSAGO ** Long-term deposits KASKO *** Other types Short-term deposits Customer journey stages & corresponding solutions provided by MOEX (1) Websites of financial services aggregators work as rebroadcasting interfaces. Marketplace integration with aggregators' websites. (2) Client registration with logging via gosuslugi.ru (online state services portal with 100+mln users). Marketplace login interface. (3) One-time physical identification offline with a courier, then KYC stage. Pending legislation on biometric identification. (4) Deposit contract request and confirmation with e-signatures. Marketplace personal account interface. (5) Money transfer to the deposit account using NSD's and CBR's frameworks (FPS). NSD's payment system. (6) Deposit opening confirmation with a notice of FTR record stored at NSD and covered by the DIA. NSD's FTR functionality. (7) A client uses the marketplace as an internet bank to manage deposits (additions, withdrawals, etc.) in real-time. * Russian name "Оинуслуги” translates as Financial services ** Compulsory motor insurance act ☑ MOSCOW *** Comprehensive coverage insurance act EXCHANGE Abbreviations: FTR FPS - Financial Transactions Registrar at NSD CBR's Faster Payments System DIA State Deposit Insurance Agency 30

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