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The special offer is available from October 1 to October 31, 2008. Deposit period is 181 days.

03.10.2008

The special offer is available from October 1 to October 31, 2008. Deposit period is 181 days.

Deposit interest rates are: in RUB — 11%, in USD — 8%, in EUR — 7,5%.

Minimum Deposit amount is

— for Moscow and Moscow Region: RUB 60,000, USD 2,000 or EUR 2,000;

— for our regional branches: RUB 15,000, USD 1,000 or EUR 1,000.

Other terms: replenishment and prolongation are not allowed. If the depositor is an initiator of early termination of time deposit agreement the interest rate will be 0.1%.

We issue a complimentary plastic card to each depositor (Visa Electron or MasterCard Electronic).

Interest is credited to on monthly basis. At maturity the principal amount of the deposit is credited to the complimentary plastic card.

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