2. CC CCB Avtogradbank is an effective credit institution of regional measure orientated on clients. The MISSION is allowing various spectrum of service to all clients and accented on the work with enterprises of small- scale and medium-scale business and private individuals. The licence on the realization of bank operations with assets in roubles and foreign currency and the licence on attraction cash assets of natural persons in roubles and foreign currency into holdings 1455 from 06.10.1999.

3. Avtogradbank was found on the base of the State Bank appeared in Naberezhnye Chelny in 1924. In 1991 it was reformed to City Commercial Bank In 1999 CCB Avtogradbank was reformed to Close Corporation. THE HISTORY OF FOUNDATION:

4. One chief and eight additional offices of the Bank are situated in Naberezhnye Chelny. There are it's branches, additional offices and cash offices in five cities of the Republic of Tatarstan. CC CCB AVTOGRADBANK IS A REGIONAL BANK

5. DYNAMICS OF PROFIT OF CC CCB AVTOGRADBANK

6. DYNAMICS OF ASSETS OF CC CCB AVTOGRADBANK

7. CC CCB AVTOGRADBANK IS AN INDEPENDENT BANK The Bank is affiliated neither with a large-scale business nor with a state. Authorized capital stock is distributed among a number of enterprises of small-scale and medium-scale business and natural persons. A structure of distribution of authorized capital stock among it's participants: Juridical persons Natural persons 25% 75%

8. Own capital – 552.4 mln.roubles Balance profit – 66.5 mln.roubles Assets – 4 138.8 mln.roubles Credit investments – 2 092 mln.roubles Quantity of juridical persons` accounts – 5 843 Quantity of holding accounts – more than 233 000 CHARACTERISTICS OF THE BANK FOR 01/01/2010

9. THE MAIN ORIENTATIONS OF ACTIVITY - Receiving and payment of holdings - Remittances - Crediting of natural persons - Receiving of payments - Operations with plastic cards «Golden Crown» SMALL-SCALE AND MEDIUM-SCALE BUSINESS RETAIL BUSINESS - Crediting - Accounting operations - Cash operations

10. Transport and truck (4.1%) Building(15.1%) Trade (45.5%) Manufacturing industry (9.4%) Physical persons (11.9%) Other branches (14%) Structure of credit investments on industries of economy for 01/01/2010

11. EXPERIENCE OF PARTICIPATION IN FINANCING OF SMALL-SCALE BUSINESS Taking part in the program of crediting of small-scale and medium- scale business of «Russian Bank of Development», Moscow city. For 01/01/2010 the loan debts of 16 clients is 30.9 mln.roubles The bank was selected in the results of tender under new program of crediting of small-scale and medium-scale business of «Russian Bank of Development» Taking part in the program of supporting small-scale business of Investment-venture Fund of the Tatarstan Republic since 2005 (the one of five banks selected in the result of tender). With Fund support the total sum of given credits is 110.8 mln.roubles (including credits for individual businessmen 36.6 mln roubles) For 01/01/2010 the loan debts of 8 clients is 8.1 mln.roubles

12. Avtogradbank is the largest operator in the payment system «Golden Crown» in Tatarstan and overturn leader of dealing and producing. Quantity of imitating cards in use on 01.01.2010 – 56 726. Own system of more than 250 terminals serving, cash terminals, automate stands dealing with payments. Card owners have an opportunity to make more than 40 various payments with the help of cash terminals (housing-public utilities, telephone, fines, tax). PLASTIC CARDS

13. Number of deposit and card accounts on 01.01.2010, amounted to more than 233 thousand pieces. Total deposits of the population at 01.01.2010, was 1 205 million rubles. Avtogradbank among the first was admitted to the deposit insurance system under the number 5. DEPOSITS

14. MONEY ORDERS More then 38300 of money orders were made in 2009. Dealing with 8 leader systems of money orders. The Bank actively uses the system of passing finance messages Swift, the advantage of which is competitive ability, safety, swiftness. Also for the transfer of funds you can use electronic express payment system, allowing make transfers within a few minutes.

15. REMOTE BANKING: for for legal persons and individual entrepreneurs The remote banking system Client- Bank not leaving the office via the Internet allows you to: -See the movement of funds to accounts in real time -Make payments to client accounts (manual input or import file) -Receive account statements for any period -Make an application for a loan -View the status of credit contracts (debt and accrued interest) -View the billing requirements displayed on the customer -Refuse to accept the displayed billing requirements -Maintain a directory of regular recipients etc.

16. BANKING: for individuals The service "Internet-payments" allows to make almost all kinds of payments via the Internet: Rents Electricity Gas Payments for traffic fines Phone Mobile payments Repayment of loans of Avtogradbank and other banks Academic studies Parental contributions for kindergartens ТV The protection of apartments (payments ATS) Replenishment of deposit and card accounts Taxation of individuals Internet Yandex-money Etc.

17. BANKING: for individuals The service "Mobile Payments" allows using the SMS pay for: Rents Electricity Gas Mobile phone bills Internet Access CATV

18. OUR COORDINATES: Naberezhnye Chelny, H.Tufana str., 43 (8552) 32-50-00 Almetyevsk, Neftyanikov str., 10(8553) 22-44-00 Zaynsk, Chapaeva, 8(85558) 3-41-51 Kazan, Parizhskoy Kommuny str., 14(843) 293-91-12 Leninogorsk, Kuybysheva str., 7(85595) 5-63-07 Nizhnekamsk, 30 let Podedy str., 12/19 (8555) 30-34-93