Comments

The Audit Committee shall prepare conclusions of the report

The Bank established the audit committee that oversees
 financial and economic activities of the Bank.  The Audit Committee monitors
 bank's compliance with the legislation of Ukraine and the regulations of the NBU,
 considering the reports of the internal and external auditors and prepares appropriate
 offers general meeting of members, submit to the General Assembly or
 meeting of the Supervisory Board proposal regarding any issues related
 the competence of the Audit Committee concerning financial
 security and stability of the Bank and to protect the interests of clients.

 The Audit Committee has the right to engage in audits and external audits
 and internal auditors and experts.  The Audit Committee reports on
 results of audits and inspections general meeting of members or
 Supervisory Board.  The Audit Committee shall prepare conclusions of the report and balance.
 Without the opinion of the Audit Committee General Assembly members are not entitled
 approve the financial statements of the Bank.  The members of the Audit Committee may
 to participate in an advisory capacity in meetings of the Supervisory Board and
 Board.

 The Audit Committee shall be held as necessary, but at least
 once a year.