Changes in Current Account Tariffs and Tariffs for bankcards become effective from January 19, 2006.

Dear Customers!

In December 2005 we announced improvement of measures taken to counteract money laundering and financing of international terrorism, and announced introduction of cash withdrawal fees for that reason. These changes are to come into force from January 19, 2006.

We inform you hereby that the bank's management decided to cancel the earlier announced increase of fees for cash withdrawals from Raiffeisenbank ATMs.

Therefore all changes announced earlier will become valid from January 19, 2006 with the exception of fees for cash withdrawals from Raiffeisenbank ATMs these transactions will be free of charge. Please ask bank staff for a copy of full version of the new tariffs which come into force on January 19, 2006.

Best regards,
ZAO Raiffeisenbank Austria