Valeri A. Kamenskov

Soyuz Bank OJSC is a universal commercial bank, founded in 1993. The company's main businesses are retail, corporate and investment banking, and services for wealthy private customers. SOYUZ Bank has been registered for obligatory insurance of retail deposits. It was among the first banks authorized by the State Corporation 'Deposit Insurance Agency' to effect payments to depositors of bankrupt banks. Accreditation by the Agency confirms the Bank's reliability. Its regional network includes 36 points of sale and covers the main industrial and cultural centers of Russia such as St Petersburg, Nizhny Novgorod, Sochi, Volgograd, Ekaterinburg, Izhevsk, Irkutsk, Kaliningrad, Kazan, Krasnodar, Krasnoyarsk, Perm, Rostov-on-Don, Samara, Tomsk, and Tumen. Moscow has 11 operating offices. The Bank has proved its worth in the market of corporate, trade and factoring financing. The largest corporate customers include Hyundai Com Trans Rus LLC, Luding LLC, Korea Motor, RUSAL Group, OJSC Agency, Rospechat, OJSC, Agricultural Union Kuban OJSC, Aviakor - aircraft plant, IJSC 'Ingosstrakh', OJSC 'Russian Machines', OJSC 'Irkutskenergo', OJSC 'Krasnoyarsk Hydro-Power Station', OJSC 'Sochi International Airport'. It has become traditional to see rapid development of the investment business. SOYUZ Bank has an established credit record in the public financial market. SOYUZ Bank is a leading arranger and underwriter in the market of corporate and municipal ruble bonds.

Raiffeisen Bank d.d. is a private banking firm headquartered in Sarajevo, Bosnia and Herzegovina. They are a subsidiary of Raiffeisen SEE Region Holding GmbH, which is owned by Raiffeisen Bank International AG (VIE: RBI) in Austria. Founded in 1992, Raiffeisen Bank provides investment products and services to corporate clients, small and medium-sized enterprises and private individuals.

SOYUZ Bank JSC provides financial and banking services. Its primary areas are lending, bond loans, commercial financing and operations at stock, currency markets, and retail services. The company was founded in 1993 and is headquartered in Moscow, Russia.