Notice of Redemption

Summary by AI ^BETAClose X

Ipoteka-Bank announced that it will redeem its U.S.$300,000,000 5.50 per cent. Notes due 2025 (ISIN: XS2260457754) in full on October 30, 2025. The notes will be redeemed at their principal amount, along with any accrued and unpaid interest and additional amounts to the redemption date. Following the redemption, the notes will be cancelled.

Disclaimer*

JSC Commercial Mtge Bk Ipoteka Bank

30 September 2025

Joint-Stock Commercial Mortgage Bank "Ipoteka-Bank"

LEI: 213800UWVX5JSNXJS434

(the Bank)

NOTICE

to the holders of the

U.S.$300,000,000 5.50 per cent. Notes due 2025

(ISIN: XS2260457754)

(the Notes) issued by the Bank

NOTICE IS HEREBY GIVEN by the Bank to holders of the Notes that, the Bank will redeem the Notes in full on 30 October 2025 (the Redemption Date) pursuant to Condition 7 (d) (Redemption and Purchase - Optional Redemption at Par) of the Notes. The Notes will be redeemed at their principal amount, together with any accrued and unpaid interest and additional amounts (if any) thereon to (but excluding) the Redemption Date.

Following such redemption of the Notes, the Notes will be cancelled pursuant to Condition 7 (g) (Redemption and Purchase - Cancellation).

Unless otherwise defined in this Notice, terms used in this Notice have the meanings given to them in the terms and conditions of the Notes.

For further information, please contact:

Joint-Stock Commercial Mortgage Bank "Ipoteka-Bank"

Bilal Khodjamberdiev

Head of Global Markets Directorate

bilal.khodjamberdiev@ipotekabank.uz

Shohruh Abdurasulov

Head of Capital Markets Department

shohruh.abdurasulov@gmail.com

Joint-Stock Commercial Mortgage Bank "Ipoteka-Bank"

Shahrisabz Street 30

100000 Tashkent

The Republic of Uzbekistan

Dated: 30 September 2025

Deputy Chairman

of the Management Board Elyor Inomjonov

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