1. FINCA-CLUB Affiliate Loyalty program December 2010

2. Affiliate Loyalty program aimed to increase customer satisfaction and improve service levels Dear Partners! We are glad to invite you to join the affiliate program aimed at joint increase in sales and customer loyalty. Loyalty Program FINCA-Club will increase your sales due to the additional attraction of new customers. CJSC “FINCA” is a division of the international financial company FINCA INTERNATIONAL and for 10 years of successful work in Russia it formed a large clients base. Loyalty program allows to control the client flow by forwarding CJSC “FINCA” clients to your company with respect to discount incentives and additional service. Joining the affiliate program does not require additional investment by club member. Entry to the club membership requires a positive business reputation and providing discounts to «FINCA- Club» card holder.

3. Affiliate Loyalty program the main benefits of the program The main benefits of the affiliate program 1. CJSC FINCA is intended for long-term partnerships 2. FINCA-Club cards distributed free of charge 3. Increase in sales by attracting CJSC “FINCA” clients 4. Usage of CJSC “FINCA” avenue of promotion 5. Increase of partner’s client loyalty, growth of partner’s image as a client-centered company. 6. Opportunity to get a discount on the popular financial services of CJSC "FINCA"

4. FINCA-CLUB Discount loyalty program “FINCA CLUB” card holder gets a discount rate _____________________________________