This document provides an overview of Finstbank, a Russian bank established in 1990 with over $145 million in assets. It has over 1000 private and corporate customers, 15 branches in Moscow, and 200 staff members. The bank's strategic goals for 2011 include increasing its loan portfolio to $90 million and opening at least 10 more branches in the Moscow region. It offers a range of banking products and services including foreign exchange, money market deals, loans, deposits, and credit cards.

1. presentation 2011

7. CORPORATE GOVERNANCE AND MANAGEMENT STRUCTURE 4 Members of the Board of Directors 5 Members of the Executive Board 9 key managers of the Bank Board of Directors Internal Audit Advisory Board Head of Clients’ Department Head of Internal Control Department Chairman of the Management Board Financial Director Chief Accountant Head of Treasury, FX/MM and Capital Markets Head of IT Head of Security Department Internal Auditor

10. KEY FINANCIAL INDICATORS (000 ’ RUR ) 12 , 2007 12, 200 8 12, 20 09 12, 20 10 Total a ssets 2 512 950 4 313 837 3 932 449 4 322 426 Accounts with Central Bank and other credit institutions 582 369 543 330 305 899 142 042 L oan portfolio 837 359 858 700 1 343 722 1 701 417 Fixed income securities and shares 415 858 414 582 158 324 238 438 C ur rent accounts 1 494 473 902 659 757 074 705 683 T otal shareholders’ equity (incl. subordinated loan) 330 475 366 965 382 796 656 462 P rofit after t ax 34 289 31 780 0 16 179

12. 127 287 , 2А -1, Stary Petrovsko-Razumovsky proezd, Moscow, Russian Federation Tel: +7 495 995-5-995 Fax: +7 495 287 9536 E-mail: markeev@finstbank.ru www.bankfs.ru