Bogd FT ^{Filed Terms, NYSE American: BOGD}

We are a diversified financial services group offering a wide range of banking and financial services to corporate and retail customers through a variety of delivery channels in Mongolia. Since our founding in 2014, we have been working towards bringing increasingly modern products and services to our Mongolian customers, with a mission of becoming the leading Mongolian bank of the 21st century. Apart from traditional banking products and services, we offer insurance brokerage, foreign exchange transactions, and banking guarantee (letter of credit) issuance. Beyond traditional banking products and services, we also offer insurance brokerage, foreign exchange transactions, the issuance of banking guarantees (letters of credit), and financial leasing. Our Baseline Credit Assessment at b2 positions Bogd Bank alongside Mongolia’s sovereign credit rating and is on par with or superior to that of Mongolia’s leading banks. Our core business focuses on commercial banking services for both retail and corporate clients. For retail clients, our commercial banking services include retail lending, deposit collection, international remittance services, insurance product brokerage, and other fee-based offerings. We offer a comprehensive selection of commercial banking products and services, which include loan products, fee and commission-based offerings, deposit accounts, and foreign exchange services for individuals, mid-market firms, and small to medium-sized enterprises. We also provide banking solutions for agricultural and rural sectors. Our income is derived from interest and fees generated through our commercial banking operations.