Changes in Current Account Tariffs become effective from April 24, 2006.

Dear Clients!

Please be informed that the following changes in Current Account Tariffs, Tariffs for bankcards and Tariffs for Raiffeisen CONNECT services (hereinafter the Tariffs) become effective from April 24, 2006:

1. In Current Account Tariffs we specified the way how the fee for cash withdrawals is charged:

- For mortgage loans for the purpose of real estate renovation the cash withdrawal fee is not applied only to the amount of first tranche if the whole amount of first tranche is withdrawn one-time.

2. In Tariffs for bankcards we specified the Article 15:

- Annual card fee for main card (except Gold cards) for Clients, who have an outstanding loan (except overdraft) from the Bank, is included in credit administration fee for the time until the loan is repaid in full.

3. In Tariffs for bankcards and Tariffs for Raiffeisen CONNECT services we specified the way how the fee for SMS-alerts on bankcard transactions is charged:

- The fee is charged for every card subscribed to the service. The fee is charged for every complete and incomplete month.
If the card was subscribed and unsubscribed from the service during one month the monthly fee is to be charged.

You may familiarize yourself with the changes by asking the new Tariffs from bank staff.

Regards,

ZAO Raiffeisenbank Austria