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

Dear Customers!

We are writing to inform you that the Bank has made the changes to the "General Terms and Conditions of Servicing the Bank Accounts, Deposits and Consumer Loans of Citizenry at ZAO Raiffeisenbank Austria" (hereinafter - "the General Terms").

The amendments to the General Terms become effective from November 26, 2007.

For more details on the changes, please ask Bank staff for copies of the new versions of the General Terms.

Regards,
ZAO Raiffeisenbank Austria