INSURANCE COMPANY “INDIGO” Kyiv, 2010

Content 1. About us 2. Our credo 3. Regional network 4. Company’s achievements in Insurance products 6. Reinsurance 7. Banks - partners 8. Main partners and Clients 9. Licenses 10. Contact information

About us IC «Indigo» is a client oriented and promising company, which confidently takes strong positions in the insurance market and finds respect and trust of its partners and Clients. IC «Indigo»: established on September 4, 2006  number of employees - 99  presented in 8 cities of Ukraine, head office in Kyiv  has obtained licenses for 16 voluntary insurance types and 6 obligatory types of insurance  has qualified reinsurance coverage of its risks  is a member of League of Insurance Organizations of Ukraine

Our credo  individual approach  reliability  trust  innovation  guarantee of success  promptness, openness

Regional network IC «Indigo» provides highly qualified service for its Clients. Today, our Company is presented in the main regional centers of Ukraine, and namely: Dnipropetrovsk Donetsk Zhytomyr Zaporizhzhya Kyiv Lviv Odesa Kharkiv

Company’s achievements According to activity results of 2007 Insurance company «Indigo» entered rating TOP -100 best companies of Ukraine, published by «Invest - Gazeta». Rating in Non-life insurance, data as of PositionIndicator СInsurance indemnities548,45 Premiums of reinsures546,30 Insurance reserves5418,13 Insurance premiums 63 37,80 Assets6327,98 Authorized capital (paid)6312,00 Rating of insurance companies in voluntary insurance of surface transport (for the year 2007) Position in ratingIndicator Indemnities377,20 Premiums2931,24

Company’s achievements In rating «Most dynamic companies» published by «Invest Gazeta» in December 2008, among «TOP-100 best companies of Ukraine» IC «Indigo» took the following positions (among insurance companies of Ukraine): Position in rating Change compared to Ist quarter 2007, % Total insurance indemnities for Ist quarter 2008, mln., UAH Total insurance indemnities for Ist quarter 2007, mln., UAH Change compared to Ist quarter 2007, % Insurance indemnities position 11645,1619,821,1418,68 СInsurance premiums position 1348,4646,8710,4536,42 Assets position ,5717,9152,66

Company’s achievements IC «Indigo» took high positions in rating of internet insurance magazine on certain types of insurance. So, the best results were achieved in the following types of insurance: Cargo insurance position 43position 37 Surface transport insurance position 29 position 21 Motor third party liability insurance position 18position 23

Company’s achievements IC «Indigo» has become a member of National Club ofNational Club of Insurance Indemnity Insurance Indemnity (see slide «Licenses») with the result UAH 8,45 mln. of insurance indemnities paid in Over three quarters of 2008 the above figure made UAH 33,7 mln. The results of 2008 confirm the fact, that growth rates of indicators of Indigo Insurance Company were higher than the growth dynamic of the market in general: Rating of the companies which are members of «National Club of Insurance Indemnity»: IC « Indigo» – position 26, UAH ,7, in thousands TOP 20 companies in sector «Liability insurance»: IC «Indigo» – position 18, UAH 481, in thousands TOP 20 companies in sector «Property insurance»: IC «Indigo» – position 20, UAH , in thousands TOP 10 companies in sector «Voluntary motor third party liability insurance»: IC «Indigo» – position 8, UAH 481, in thousands TOP 20 companies in sector «Automobile insurance»: IC «Indigo» – position 20, UAH ,6 in thousands.

Company’s achievements in From the beginning of its activity IC «Indigo» is a participant of rating «Insurance Top 100», which is the leader in providing with the information on insurance and reinsurance markets in Ukraine Premiums position 63position 32position 55position 53position 50position 51 Assets position 82position 62position 58 position 59position 57position 48 Insurance reserves position 63position 81position 32position 43 position 39 Insurance indemnities paid position 48position 26position 23position 22position 21position 24position 25 Loss ratio position 48position 36position 3position 2position 4 position 6

Company’s achievements in According to "Rating of TOP reliable insurance companies of Ukraine" IC "Indigo" takes place 16 (published by "Lichnyi schet", Kyiv, № 12, December 2009, based on data of "Insurance Top" ).

Company’s achievements in According to rating "Portfolio structure of ТOP-20 insurer of Ukraine", published by "Strakhova Sprava" (№4 (36) 2009) based on the results of insurance companies for 9 months of 2009, IC "Indigo" enters TOP-20 insurers of Ukraine and takes place 19. Insurance indemniti es, thds. UAH Data Vehicle insurancePersonal insuranceProperty insuranceOther voluntary motor third party liability motor casco obligatory motor third party liability green card accident insurance medical insurance health insurance insurance of medical expenses voluntary insurance of property cargo and baggage insurance fire risks and risks of natural disasters Premiums, %1,14267,6210,0 0,5010,0 2,09122,8902,1943,560 Premiums, thous., UAH 449,626620,70,0 197,30,0 823,29011,4863,71401, ,5Indemnities, % 0,098,1240,0 0,1920,0 0,0471,6090,0070,022 Indemnities thous., UAH 0,035761,80,0 700,0 17,1586,32,47,9 Loss ratio0,0134, , ,16,50,30,6

Company’s achievements in According to “Insurance Top” rating based on the activity results for 3 months 2010 IC “Indigo” entered TOP 50 companies in the following insurance types (“Insurance Top” №2(30) 2010): TOP 50 companies in terms of voluntary cargo and luggage insurance Place 15, premiums – UAH 1462,1, in thousands TOP 30 companies in terms of voluntary insurance of civil liability of vehicle owners Place 17, premiums – UAH 192,1, in thousands TOP 50 companies in terms of CASCO insurance Place 23, premiums – UAH 5877,7, in thousands TOP 50 companies in terms of voluntary insurance against fire and natural disasters Place 36, premiums – UAH 346,0, in thousands

Insurance products IC «Indigo» has obtained licenses for 16 voluntary and 6 obligatory types of insurance and provides its Clients with the insurance coverage against the following risks : Property and technical risks insurance (including construction risks) Cargo insurance Liability insurance (general third party liability, product liability, professional liability, forwarder’s / carrier’s liability, surface transport owner’s liability and other) Vehicle insurance (surface / railway / water/ air) Personal insurance (accident/ medical expenses/ voluntary medical insurance) Financial risks insurance and other types of insurance

Insurance products Sales directions of IC «Indigo» : Retail business (programs for individuals): Vehicle insurance (surface, water, air); Property risks insurance; Third party liability insurance (property owner’s liability insurance, voluntary general third party liability insurance); Personal insurance (accident insurance, voluntary medical insurance, health insurance). Corporate business (excusive programs for legal entities): Cargo and containers insurance; Property risks insurance; Technical risks insurance (construction risks); Liability insurance (product liability, professional liability, forwarder’s\ carrier’s liability, storage operator’s liability, terminal operator’s liability; obligatory insurance: general third party liability insurance, liability insurance of entities transporting hazardous cargo; personal insurance of employees of the departmental and country fire service and members of voluntary fire brigades; civil liability of economic entities for the damage caused by fire or accident on high-risk facilities; liability of the dogs’ owner for the damage caused to the third parties; civil liability of citizens of Ukraine who own or have in other legal possession the arms for the damage caused to the third parties or their property ; Vehicle insurance (surface, railway, water, air); Financial risks insurance; Personal insurance (obligatory accident insurance, voluntary medical insurance, health insurance). Complex insurance programs (for individuals and legal entities): Insurance of three voluntary types: casco + voluntary traffic accident insurance + voluntary general third party liability insurance. «Personal manager» service

Reinsurance Clients’ interests are guaranteed by Partners commitments of well known insurance and reinsurance groups of Germany and Russia: Munich Re; Swiss Re Europe S.A.; OJSC «Russian Reinsurance Company»; OJSC «Ingosstrakh». The company successfully cooperates with the leading broker: «TBT - Insurance broker».

Banks - Partners Insurance company « Indigo » cooperates with the following banks: «AstraBank» JSC «Bank of Cyprus» JSC «UDB» PJSC «Erste Bank» JSC «Lviv» PJSC «Starokievsky bank» JSC «First Investment Bank» (PIN Bank) JSC «Privat Bank» CJSC CB «ProCreditBank» CJSC «Ukrsotsbank» JSB «Universal bank» PJSC

Main Partners and Clients «Alyaska Group» «Via Multima» Ltd «Gamma - Medika» Ltd «Glavstroy» Ltd «DАО Logistics» Ltd «Datagroup» PJSC «Dneprmetalurgservicegroup» Ltd «F. S. Mackenzie-Ukraine» Ltd «Itkom» Ltd PCF «Kamia» Ltd «К» Line (UKRAINE)» Ltd «Komora-С» (DC Holding) Ltd «Kremix» Ltd «NIKO - Donetsk» Ltd «NIKO - Invest» Ltd «NIKO - Capital» Ltd FC «NIKO - Leasing» Ltd «NIKO Premium Donetsk» SC «NIKO - Sich» Ltd «NIKO - Ukraine» Ltd «NIKO - Chernivtsi» FI «NP -VITA» CJSC «N -Trans» Ltd «Olympic Casino» Ltd «Rеmа - Print» Ltd «System Group» «Steklain» Ltd «Tangier» Ltd «Trading house «Biopol» Ltd «Trading house NIKO» Ltd «Transterra Logistics» Ltd «Ukrtranscontainer» PE «Ukrainian Building Association» «Formag Group» Ltd «Express-Cargo Ukraine» Ltd Black Sea Shipping Service Ltd ICS Ltd Blue Pine LLC Euralloys AG Fesco Transportation Group LUXFUND, INC Petro Carbo Chem GmbН WESTOIL Ltd

Licenses

Contact information SLC «Insurance company «INDIGO» Head office Kyiv, 55-k, Khoryv str., tel: (044) fax: (044) Top management: Radionova Tetyana General director Dikmarov Evgen First Deputy of General director