S.L. 371.9 Art. 44Saving. L. N. 379 of 2003.

(1) With effect from the date of entry into force of these regulations, any reference in any law, regulation or administrative provision to the Depositor Compensation Scheme Regulations,

2003, (hereinafter referred to as "the revoked regulations") shall, for all intents and purposes, be construed as a reference to these regulations.

(2) All appointments, decisions, contributions, claims, payments or other acts made or taken under the revoked regulations, before the coming into force of these regulations, shall continue in force and shall be deemed to have been made or taken under these regulations.

(3) All assets and liabilities which vested in the Scheme before the coming into force of these regulations shall belong to the Scheme in virtue of these regulations. Upon the coming into force of these regulations, any balances held on the Scheme’s "Contribution Fund" and on the "Special Contribution Fund" shall be allocated to the available financial means of the Scheme, and in determining the amount of compensation contribution due by any member, account shall be had of that member’s previous contributions to the Scheme’s "Contribution Fund" and to the "Special Contribution Fund".

(4) The Scheme shall require all of its members to inform their depositors about the deposits or categories of deposits or other instruments which will no longer be covered by the Scheme from 3rd July 2015.

(4) Any reference in any law, regulation or administrative provision to Directive 94/19/EC as amended shall, for all intents and purposes, be construed as a reference to Directive 2014/49/EU. SCHEDULE

Depositor Information Sheet information about the deposit

(insert name of credit The Depositor Compensation Scheme, protected by: established under regulation 4 of the Depositor Compensation Scheme Regulations, 2015.

protection: EUR 100,000 per depositor per credit 2 institution more deposits at the All your deposits at the same credit institution: institution are "aggregated" and the total is subject to the limit of EUR 100,000.

a joint account with The limit of EUR 100,000 applies to each 3 person(s): depositor separately

4 Reimbursement period in case of 20 working days institution’s failure:

reimbursement: Euro

Depositor Compensation Scheme, c/o Malta Financial Services Authority, Triq l-Imdina, Zone 1, Central Business District, Birkirkara, CBD 1010, Tel: (+) 356 21441155; Email: dcs_ics@compensationschemes.org.mt. information: www.compensationshemes.org.mt

Acknowledgement of receipt by the responsible for the protection of your deposit deposit is covered by a statutory Deposit Guarantee Scheme. If insolvency of your credit institution should occur, your deposits would in any repaid up to EUR100,000.

limit of protection deposit is unavailable because a credit institution is unable to meet its obligations, depositors are repaid by the Depositor Compensation in accordance with the regulations. This repayment covers a maximum of EUR 100,000 per credit institution. This means that all deposits at the same credit institution are added up in order to determine level. If, for instance, a depositor holds a savings account with and a current account with EUR 20,000, he or she will only 100,000.

In addition to the protection described above, deposits may be some cases up to a maximum of EUR 500,000 for six months after has been credited or from the moment when such deposits become transferable. In order to qualify for such higher protection, a deposit of EUR 100,000 must meet any one of the following additional

(A) it comprises:

(a) monies deposited in preparation for the purchase of a private property by the depositor; or

(b) monies which represent the proceeds of sale of a private property of the depositor; or

(B) it comprises sums paid to the depositor in respect of:

(a) a separation, divorce or dissolution of their civil union; or

(b) benefits payable on retirement; or

(c) a claim for compensation for unfair dismissal; or

(d) a claim for compensation for redundancy; or

(e) benefits payable for death or bodily injury; or

(f) a claim for compensation for wrongful conviction. More information can be obtained under www.compensationschemes.org.mt 3 Limit of protection for joint accounts In case of joint accounts, the limit of EUR 100,000 applies to each However, deposits in an account to which two or more persons members of a business partnership, association or grouping of a without legal personality, are aggregated and treated as if made depositor for the purpose of calculating the limit of EUR 100,000. 4 Reimbursement The responsible Deposit Guarantee Scheme is the Depositor Scheme, c/o Malta Financial Services Authority, Triq l-Imdina, Zone Business District, Birkirkara, CBD 1010, Tel: (+) 356 21441155; dcs_ics@compensationschemes.org.mt. It will repay your deposits up to EUR 100,000 within 20 working December 2018; within 15 working days from 1 January December 2020; within 10 working days from 1 January December 2023; and within 7 working days from 1 January 2024

Until 31 December 2023, where the Depositor Compensation make the repayable amount(s) available within seven (7) working shall have access to an amount, equivalent to three times the minimum wage to cover the cost of living, within five (5) working request from the depositor. The Depositor Compensation Scheme access to such amount within five (5) working days on the basis of by the credit institution. Such amount shall be deducted from the which may be payable.

If you have not been repaid within these deadlines, you should Depositor Compensation Scheme since the time to claim reimbursement may be barred after a certain time limit. Further information obtained from: www.compensationschemes.org.mt. important information general, all retail depositors and businesses are covered by the Depositor Compensation Scheme. Exceptions for certain deposits are stated on the of the Depositor Compensation Scheme. Your credit institution will inform you on request whether certain products are covered or not. If are covered, the credit institution shall also confirm this on the of account.