1. Information Experts on Russia, Baltic States and Eastern Europe 2012 IGK Group ©

2. 2 1991 – 2012 IGK Group History 1991 – the first IGK company was registered in Germany 1992 – first companies of IGK Group were registered in Russia and Baltic States 1993 – IGK Holding was registered in Germany. SCRL (Coface) and Intercredit Holding became members of IGK Holding. 1994 – expansion to Lithuania, Estonia, Ukraine, Russia 1998 2007 – separation from Coface 2007 – cooperation with the leading credit risk insurance 2012 companies: Atradius, Euler Hermes, Ducroire, Sinosure, Mapfre and other. ®

3. 3 IGK Group profile Credit reports Partner monitoring Debt collection RiskStop – International Portal B2B debts registration Consulting Marketing research Legislation and Judicial support Credit insurance offer IGK has 21 years experience providing the customers credit management services: ®

4. 4 IGK Group Structure/I IGK Group Companies IGK AG Germany IGK Credit Management Latvia IGK Service Lithuania IGK Service Estonia IGK credit management Moscow/Russia IGK credit management Nizhnij Novgorod/Russia IGK credit management Samara/Russia IGK Services Ukraine IGK Services Rus Tambov/Russia IGK Network Production office IGK Broker Russia Balt Risk Baltics Risk Ukraine IGK Broker Baltic ® IGK credit management Chelyabinsk/Russia

5. 5 IGK Group Structure/II IGK Group Network IGK Group in CIS countries, Baltic States and Mongolia Armenia Georgia Lithuania Kyrgyz Belarus Moldova Uzbekistan Kazakhstan Turkmenistan Mongolia Tajikistan Azerbaijan Estonia Latvia Ukraine Russia ®

6. 6 IGK network in Russia Moscow St. Petersburg Nizhniy Novgorod Rostov on Don Krasnodar Samara Kazan Perm Yekaterinburg Yakutsk Khabarovsk Vladivostok Irkutsk Barnaul Chita Novosibirsk Krasnoyarsk Ufa ®

7. 7 IGK Network Red – IGK offices Green – IGK network Russia Blue – IGK network CIS ®

8. 8 IGK Credit Information report Standard report includes:Additional information: Companys full style and history; Office address, telephone, telex and fax numbers; Company's full activity, products, trade marks; Import and export data, main suppliers and customers; Information about shareholders and directors; Details of affiliated or related companies; Last year balance sheet, operating results, bank references; Negative information register, court files; Creditworthiness and credit recommendation. The result of the opinion poll Country review Officially registered real estate; Officially registered transport vehicles; Expanded data on commercial pledges; Information about related persons and companies; Monitoring; Answers on special questions. IGK rating will help you to define you companys politics towards new business partners IGK reports are approved by all main European credit insurers for risk estimation ®

9. 9 IGK Visit Report / Content The Visit report includes: Standard report Additional information, obtained during the visit to the company: - History of the company - Affiliation to the group of companies - Associated/subsidiary companies - Information about the shareholders (possible changes) - Information about the management (experience, qualification) - General basic activity description, activity specificity - Position in the market (% market share, main competitors) - Information about the customers (business line) - Information about the suppliers - Information about movable and real estate - Information about current and future credits - Debtors (accounts receivable) - Customers special questions IGK Rating Visit report is an extended rating report based on the information received during the visit to the company ®

10. 10 Credit monitoring Baltics States and Poland Name change Legal status change Legal address change (if the official address declared) Share capital change Activity change Management board change, chairman of the board change Signature right change Companys articles of agreement change Reorganizations, mergers Payment defaults Start of insolvency process We offer 2 variants of monitoring New accounts (yearly or intermediate half a year accounts) Any data obtained from the interview (particularly the actual address ) Updated rating This monitoring implies the manual work. These data could be delivered in the structured format of our report including the changes specified in the first type of monitoring 1. Variant 2. Variant By this monitoring you will receive immediate information on the following changes via email ®

11. 11 Credit monitoring Russia For Russia only manual monitoring is available 1. Variant Quarterly update of all available sources + quarterly interview + quarterly updates in the structured form of the report + quarterly updated rating + once per year official accounts Quarterly monitoring in all available official sources and data bases (changes in registration data, bankruptcies, customers data base, etc.). 2. Variant This information will be sent quarterly in the form of updated credit reports (structured format) This information will be sent via e-mail once per quarter for all companies where we have found the changes ®

12. 12 Debt Collection IGK offers: Local debt collection Administration of the invoices International debt collection Legal services: Litigation and enforcement Bankruptcy proceeding Other services First contact with the debtor in 24 hours after the case is registered! Registration of your claim in IGK credit reporting application and Balt Risk (Register for non paid debts) often leads to unexpected payment results. ®

13. 13 Debt Collection IGK offers: Placing of the order and handing over of the documents Verification of the debtor (preparing of a credit report by the IGK Group companies) Evaluation of the documents in regard to the possibility of recovering the claim Letter of claim with fixed paying-deadline Contact by phone and written correspondence Personal visits to debtors Debtor tracing Updated reports as soon as there are any news of development in a case as well as a monthly report of all possible cases No result – no Fee ®

14. 14 Debt Collection In case the results of the pre-legal stage of the debt collection process are not successful by the agreement of the client we proceed with legal actions. We provide the list of expenditures of bringing claim to the court and analysis of possibilities of winning the case to help the client in making his decision. Litigation & enforcement Court procedure includes: Filling of a suit against the debtor Obtaining judgment Execution of judgment Bankruptcy procedure Presenting the bankruptcy petition in the court; Participation in the creditors meeting; Representing the interests of the client ®

15. 15 RiskStop Portal Some words about RiskStop Portal Please welcome on RiskStop Portal web site https://www.risk-stop.com to learn more about its possibilitieshttps://www.risk-stop.com ® It's an international web portal created to reduce the risk of non payments and fraud in B2B business. Customers of RiskStop Portal can use two very important functions: registration of debts thus using it as an additional tool for pressure on the debtor; obtain information about the payment behavior of the buyers making credit decisions easier and safer. RiskStop Portal is working today for countries: Russia, Ukraine, Latvia, Lithuania, Estonia and Germany. Information on the registered debts is stored in the portal within 5 years. RiskStop is a closed system that can be used only by registered members following the Rules and signing the contract RiskStop Portal – is an additioanl tool for pressure on the debtors

16. Credit Risk Insurance gives an opportunity to secure your business from the unforeseen bankruptcy of the buyer ® 16 Trade credit insurance is meant for the companies selling on deferred payment terms The insured event in credit risk insurance is ability to offer deferred payment terms to the buyers ability to prolong deferred payment terms professional risk estimation and check-up of the buyers confidence to start working on new markets and with new buyers Bankruptcy of the buyer Protracted default (Long-term non-payment) The insured company gains the following competitive advantages Credit Risk Insurance

17. 17 IGK online service https://online.igkservice.lv/crwa/login.do IGK Online – information concerning companies in CIS countries, Baltic States and Mongolia ®

18. 18 One stop shop for information Debt collection Credit information Credit risk insurance IGK Group ® ® MONEY IS THE BLOOD OF ECONOMY