1. Survey of money transfer maket in Azerbaijan ZAMINBANK (Azerbaijan)

2. Money transfer systems Market for money transfers as one of the most rapidly developing segments of retail financial market. There are approximately 20-30 money transfer systems that operate in Azerbaijan, the CIS and Baltic countries.

3. Money transfer systems (continued) The leading banks of the republic are participants of the following money transfer systems: Western Union, Contact, Bistraya Pochta, Zolotaya Korona, Caspian Money Transfer, Lider, Blizko etc.

4. The number of funds transfers to Azerbaijan (in thousands) 81.1 77.2 85.3 97.9 95.7 113.3 126.2 124.4 125.5 119.5 100.3 124.7 89.6 0.00.0 20.0 40.0 60.0 80.0 100.0 120.0 140.0 20092010 Number

5. The volume of funds arrived in Azerbaijan (in millions) 45.1 52.7 0.00.0 10.0 20.0 30.0 40.0 50.0 60.0 70.0 80.0 20092010 Volume

6. The number of funds transfers from Azerbaijan (in thousands) 27.2 29.9 23.8 26.8 22.5 27.4 26.6 27.4 21.5 22.1 20.9 27.7 18.1 0.00.0 5.05.0 10.0 15.0 20.0 25.0 30.0 35.0 20092010 Количест во

7. The volume of funds sent from Azerbaijan (in millions) 8.88.8 146 0.00.0 2.02.0 4.04.0 6.06.0 8.08.0 10.0 12.0 14.0 16.0 18.0 20.0 20092010 Volume

8. The general breakdown of money transfers turnover among all systems operating in Azerbaijan Caspian MT Others

9. CASPIANMONEYTRANSFER

10. it takes just 5 minutes to transfer funds it takes just 5 minutes to transfer funds it is possible to transfer funds in Azerbaijani manats, American dollars, roubles and euros it is possible to transfer funds in Azerbaijani manats, American dollars, roubles and euros commission fee is 1.5% - 2% commission fee is 1.5% - 2% the Recipient is not charged any commission fee the Recipient is not charged any commission fee

11. Being connected to the СМТ system, you can offer your customers a new service which will help to attract new customers in a short time. You don’t incur any additional expences when you get connected to the СМТ system. Being connected to the СМТ system, you can offer your customers a new service which will help to attract new customers in a short time. You don’t incur any additional expences when you get connected to the СМТ system. The required software is provided FREE OF CHARGE! The major competitive advantage of the СМТ system over its rivalling systems is low tariffs: 1.5% - 2% Your revenue makes up 40 % of the commission on sent/received transfers.

12. THE SERVICE GEOGRAPHY The Caspian Money Transfer system operates in 19 countries of the world and expands the geography of its activity day by day We are constantly focused on ensuring convenience for our customers and enhancing the quality of our services. AzerbaijanRussiaTurkeyGeorgiaUzbekistanKazakhstanTajikistanKyrgyzstanBelarusUkraineLatviaRumuniaMoldovaItalySpain Great Britain GreeceChinaUAE

13. The dynamics of funds transfers through the СМТ system over 2008-2010 0 31.12.0828.02.0930.04.0930.06.0931.08.0931.10.0931.12.0928.02.1030.04.10 Line 2

14. The dynamics of volume of funds transfers through the СМТ system over 2008-2010 0 500 1000 1500 2000 2500 3000 3500 4000 31.12.200831.01.200928.02.200931.03.2009 30.04.200931.05.200930.06.200931.07.200931.08.200930.09.200931.10.200930.11.200931.12.2009 31.01.201028.02.2010 31.03.2010 30.04.2010 Line 1