Financial Express (Holdings) Limited (“we”, “our”, “us” and derivatives) are committed to protecting and respecting your privacy. This Privacy Policy, together with our Terms of Use, sets out the basis on which any personal data that we collect from you, or that you provide to us, will be processed by us relating to your use of any of the below websites (“sites”).

  • FEAnalytics.com
  • FEInvest.net
  • FETransmission.com
  • Investegate.co.uk
  • Trustnet.hk
  • Trustnetoffshore.com
  • Trustnetmiddleeast.com

For the purposes of the Data Protection Act 1998, the data controller is Trustnet Limited of 2nd Floor, Golden House, 30 Great Pulteney Street, London, W1F 9NN. Our nominated representative for the purpose of this Act is Kirsty Witter.

WHAT INFORMATION DO WE COLLECT ABOUT YOU?

We collect information about you when you register with us or use any of our websites / services. Part of the registration process may include entering personal details & details of your investments.

We may collect information about your computer, including where available your operating system, browser version, domain name and IP address and details of the website that you came from, in order to improve this site.

You confirm that all information you supply is accurate.

COOKIES

In order to provide personalised services to and analyse site traffic, we may use a cookie file which is stored on your browser or the hard drive of your computer. Some of the cookies we use are essential for the sites to operate and may be used to deliver you different content, depending on the type of investor you are.

You can block cookies by activating the setting on your browser which allows you to refuse the setting of all or some cookies. However, if you use your browser settings to block all cookies (including essential cookies) you may not be able to access all or part of our sites. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies as soon as you visit our sites.

HOW WE USE INFORMATION

We store and use information you provide as follows:

  • to present content effectively;
  • to provide you with information, products or services that you request from us or which may interest you, tailored to your specific interests, where you have consented to be contacted for such purposes;
  • to carry out our obligations arising from any contracts between you and us;
  • to enable you to participate in interactive features of our service, when you choose to do so;
  • to notify you about changes to our service;
  • to improve our content by tracking group information that describes the habits, usage, patterns and demographics of our customers.

We may also send you emails to provide information and keep you up to date with developments on our sites. It is our policy to have instructions on how to unsubscribe so that you will not receive any future e-mails. You can change your e-mail address at any time.

In order to provide support on the usage of our tools, our support team need access to all information provided in relation to the tool.

We will not disclose your name, email address or postal address or any data that could identify you to any third party without first receiving your permission.

However, you agree that we may disclose to any regulatory authority to which we are subject and to any investment exchange on which we may deal or to its related clearing house (or to investigators, inspectors or agents appointed by them), or to any person empowered to require such information by or under any legal enactment, any information they may request or require relating to you, or if relevant, any of your clients.

You agree that we may pass on information obtained under Money Laundering legislation as we consider necessary to comply with reporting requirements under such legislation.

ACCESS TO YOUR INFORMATION AND CORRECTION

We want to ensure that the personal information we hold about you is accurate and up to date. You may ask us to correct or remove information that is inaccurate.

You have the right under data protection legislation to access information held about you. If you wish to receive a copy of any personal information we hold, please write to us at 3rd Floor, Hollywood House, Church Street East, Woking, GU21 6HJ. Any access request may be subject to a fee of £10 to meet our costs in providing you with details of the information we hold about you.

WHERE WE STORE YOUR PERSONAL DATA

The data that we collect from you may be transferred to, and stored at, a destination outside the European Economic Area (“EEA”). It may be processed by staff operating outside the EEA who work for us or for one of our suppliers. Such staff may be engaged in, amongst other things, the provision of support services. By submitting your personal data, you agree to this transfer, storing and processing. We will take all steps reasonably necessary, including the use of encryption, to ensure that your data is treated securely and in accordance with this privacy policy.

Unfortunately, the transmission of information via the internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to our sites; any transmission is at your own risk. You will not hold us responsible for any breach of security unless we have been negligent or in wilful default.

CHANGES TO OUR PRIVACY POLICY

Any changes we make to our privacy policy in the future will be posted on this page and, where appropriate, notified to you by e-mail.

OTHER WEBSITES

Our sites contain links to other websites. If you follow a link to any of these websites, please note that these websites have their own privacy policies and that we do not accept any responsibility or liability for these policies. Please check these policies before you submit any personal data to these websites.

CONTACT

If you want more information or have any questions or comments relating to our privacy policy please email publishing@financialexpress.net in the first instance.

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JSC Bank of Georgia (BGEO)

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Wednesday 18 July, 2007

JSC Bank of Georgia

Annual Information Update

Bank of Georgia
                  

                               JSC Bank of Georgia

    Annual Information Update for 12 months up to and including 18 July 2007

This annual information update is filed pursuant to Prospectus Rule 5.2 made by
the Financial Services Authority and not for any other purpose and by filing
this annual information update neither the Company, nor any other person, takes
any responsibility for, or makes any representation, express or implied, as to
the accuracy or completeness of, the information contained or referred to below
herein. The information referred to below is not necessarily up to date as at
the date of this annual information update and the Company does not undertake
any obligation to update any such information in the future. Furthermore, such
information may have been prepared in accordance with the laws or regulations of
a particular jurisdiction and may not comply with or meet the relevant standards
of disclosure in any other jurisdiction. Neither this annual information update,
nor the information referred to below constitutes, by virtue of this
communication, an offer of any securities addressed to any person and should not
be relied on by any person.

The following UK regulatory announcements have been made via a Regulatory
Information Service:

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Date of Publication             Description
------------------------------------------------------------------------------------------------------------------------
17 July 2007                    Result of AGM
13 July 2007                    Director/PDMR Shareholding
9 July 2007                     Director/PDMR Shareholding
2 July 2007                     Issue of Debt
29 June 2007                    Annual Reports and Accounts
12 June 2007                    Director/PDMR Shareholding
1 June 2007                     Notice of AGM
1 June 2007                     JSC Bank of Georgia Published 2006 Audited Consolidated Financial Statements
31 May 2007                     1st Quarter Results
29 May 2007                     Notice of Results
11 May 2007                     Notice of AGM
3 May 2007                      Director/PDMR Shareholding
5 April 2007                    Notice of AGM
5 April 2007                    Director/PDMR Shareholding
26 February 2007                Final Results
12 February 2007                Issue of Debt
19 January 2007                 Director/PDMR Shareholding
8 January 2007                  Re Agreement
22 December 2006                Bank of Georgia Receives The Bank Of The Year Award By The Banker
21 December 2006                Acquisition
11 December 2006                3rd Quarter Results
8 December 2006                 JSC Bank of Georgia to Announce Financial Results for Nine Months
30 November 2006                Exercise of Greenshoe
24 November 2006                Stabilisation Notice
24 November 2006                Bank of Georgia Announces Pricing of Initial Public Offering
17 November 2006                Bank of Georgia Announces Pricing Range for Initial Public Offering, EGM Results and
                                 Supervisory Board Appointments
2 November 2006                 Bank of Georgia Announces Intention to Launch Initial Public Offering
*T

Details of all regulatory announcements for the Company can be found on the
London Stock Exchange website: www.londonstockexchange.com and on the Company
website: www.bog.ge/ir

In addition, announcements as published on the Company website/filed with the
National Securities Commission of Georgia ('NSCG') and Georgian Stock Exchange
('GSE') according to the Securities Laws and Regulations of Georgia.

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Date of Publication/Filing with the
 NSCG                                Title
------------------------------------------------------------------------------------------------------------------------
27 June 2007                         2006 Audited Consolidated Financial Statements*
1 June 2007                          JSC Bank of Georgia Agenda and Recommendations
11 May 2007                          Announcement of JSC Bank of Georgia AGM New Record Date
6 April 2007                         Notice of JSC Bank of Georgia AGM Record Date
4 April 2007                         2006 Annual Accounts as per requirement of Georgia's Securities Laws*
12 February 2007                     JSC Bank of Georgia Announces the Successful Closing of Its Debut Eurobond
                                      Transaction*
8 January 2007                       JSC Bank of Georgia Enters Into a US$12.5 Million Loan Agreement With Nederlandse
                                      Financierings-Maatschappij voor Ontwikkelingslanden N.V. (FMO)
21 December 2006                     JSC Bank of Georgia Announces Acquisition of Aldagi by Its Wholly-Owned Insurance
                                      Subsidiary BCI
12 December 2006                     Changes in the Share Ownership Structure* (Issuance of Newly Issued Shares in
                                      Respect to the IPO on the LSE)
22 November 2006                     Results of EGM and the Changes in the Share Ownership Structure*
17 October 2006                      JSC Bank of Georgia EGM Agenda and Recommendations
  3 October 2006                     JSC Bank of Georgia Receives a US$25 million Convertible Subordinate Loan from A
                                      Fund Advised by HBK Investments L.P.*
 3 October 2006                      JSC Bank of Georgia Announces The Sale of 400,000 Newly Issued Shares to
                                      Institutional Investors*
26 September 2006                    Notice of the JSC Bank of Georgia EGM Record Date
22 August 2006                       JSC Bank of Georgia Receives a US$25 Million Loan from Merrill Lynch
21 August 2006                       JSC Bank of Georgia Receives a US$5 Million Loan from Thames River Capital
15 August 2006                       Half Yearly Report as per requirement of Georgian Securities Laws*
13 July 2006                         JSC Bank of Georgia Announces the Sale of 750,000 Newly Issued Common Shares to the
                                      Existing Shareholders*
13 July 2006                         Updated Edition of the Bank of Georgia Charter *
*T

* Documents filed with the NSCG and GSE

The copies of the documents referred in this Annual Information Update and the
copy of Bank of Georgia Annual Reports and Accounts for the year ended 31
December 2006, as published on 29 June 2007, can be obtained upon request from
Bank of Georgia Investor Relations at the Company's registered office at 3
Pushkin Street, Tbilisi, Georgia 0105 or from the Company website:
www.bog.ge/ir.

About Bank of Georgia

Bank of Georgia, a leading universal Georgian bank with operations in Georgia
and Ukraine, is the largest bank by assets, loans, deposits and equity in
Georgia, with 33% market share by total assets (all data according to the NBG as
of March 31 2007). The major component of the Galt & Taggart Index, the bank has
103 branches and over 500,000 retail and more than 50,000 corporate current
accounts. The bank offers a full range of retail banking and corporate and
investment banking services to its customers across Georgia. The bank also
provides a wide range of corporate and retail insurance products through its
wholly-owned subsidiary, BCI, as well as asset & wealth management services.

Bank of Georgia has, as of the date hereof, the following credit ratings:

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  Standard & Poor's                'B+/B'                                              Stable
  Moody's                          'B3/NP' (FC) & 'Ba1/P-3' (LC)                       Stable
  Fitch Ratings                    'B/B'                                               Stable
*T

For further information, please visit www.bog.ge/ir or contact:

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*T
Lado Gurgenidze                   Irakli Gilauri                               Macca Ekizashvili
Chairman of the Supervisory Board Chief Executive Officer                      Head of Investor Relations
+995 32 444 103                   +995 32 444 109                              +995 32 444 256
lgurgenidze@bog.ge                igilauri@bog.ge                              ir@bog.ge
*T

This news report is presented for general informational purposes only and should
not be construed as an offer to sell or the solicitation of an offer to buy any
securities. Certain statements in this news report are forward-looking
statements and, as such, are based on the managements current expectations and
are subject to uncertainty and changes in circumstances.