Amendments to the «Terms and Conditions of service of bank accounts, deposits and consumer loans to individuals ZAO «Raiffeisenbank Austria»

Dear Customers!

We are writing to inform you that the Bank has made the changes to the "General Terms and Conditions for Servicing the Bank Accounts, Deposits and Consumer Loans of Individual", Section "Payment Details in US Dollars":

11.2. to transfer funds in the United States Dollars (USD):
a) Beneficiary:
the Client's full name

b) Beneficiary's Account:
the Client's twenty-digit foreign-currency account number

c) Beneficiary's Bank
"Raiffeisenbank Austria" ZAO Moscow
17/1 Troitskaya, Moscow, 129090, Russia
SWIFT: RZBMRUMM

d) Intermediary Bank
AMERICAN EXPRESS BANK, LTD.
Acc N 000739565
NEW YORK, NY 10285-2200, UNITED STATES
SWIFT AEIBUS33
CHIPS Routing No: 0159, FEDWIRE NO: 124071889

e) Details of Payment

The amendments to the General Terms become effective from November 10, 2007.

Regards, ZAO Raiffeisenbank Austria