1. CUSTOMERS’ SUCCESS IS THE BANK’S SUCCESS www.sbb.by

2. Contents Bank profile Incorporation and shareholders Licensed activities Performance results Banks’ profitability comparison Compliance to basic standards Professional team Our principles Bank branches network Closer to people Banking services Settlement and cash services centre Credit facilities for corporate customers Deposits for corporate customers Micro loans Securities operations Planned activities Contact information

3. Bank profile

4. Incorporation and shareholders Closed joint-stock company «SOMBelBank» is a bank with 100% foreign capital. Incorporated by the National Bank of the Republic of Belarus on April 24, 2004. The bank’s shareholders are private commercial organizations from the Latvian Republic. Shareholding structure (as of 01.04.2007г.): SIA POLIMER R, Riga, Latvia 99,96 % Others 0,04 %

5. Licensed activities CJSC «SOMBelBank» conducts banking operations on the basis of a: License for conducting banking activities issued by the National Bank of the Republic of Belarus № 25 dated 26.04.2007. CJSC «SOMBelBank» conducts certain licensed types of activities on the basis of a: License issued by the Committee for Securities attached to the Council of Ministers of the Republic of Belarus № 04120 dated 01.06.2004 for conducting professional and exchange activities with securities. Permission of the State Customs Committee of the Republic of Belarus № 42 dated 07.09.2005 to the right to guarantee payment of customs fees.

6. License plans The bank is planning to obtain the permission to deposit funds belonging to individuals. This will allow for expanding the range of retail services and pass on to the entire range of banking services for our clients. Basic requirements: Two-year time span of experience in the market (from the date of incorporation), stable financial situation, equity capital of over 10 mln Euro.

7. Performance results The reliability of the accounting statements for the years 2004 - 2006 Is confirmed by the international audit company Deloitte & Touche.Deloitte & Touche Indicators of financial and economic activities

8. Profit and total balance Total balance, mln. BYR Normative capital, Euro Profits, mln. BYR

9. Comparative table of assets profitability in a number of banks as of 01.01.2007 Indicators of financial and economic activities

10. Compliance to basic economic standards in 2006

11. Professional team High-qualified employees are the most important asset of any successful company. SOMBelBank undeniably boasts a united team of professionals who are ready to implement most ambitious plans and projects. Over the past year, 50 employees have joined our team. The total number of employees currently in the bank amounts to over 130 people.

12. Our basic principles Given the competition in the market of consumer crediting, we are motivated to improve our credit products and refine the loan claims procedures. The basic principles at CJSC «SOMBelBank»: Availability Security Accuracy Competence

13. Availability You receive the set of services you need with minimal time and money expences in the place and at the time you prefer;

14. Security the quality of the services the bank delivers corresponds to the quality they have been claimed to be of; hand over hand and on due term;

15. Accuracy a detailed description of the services, easily perceived by the customer;

16. Competence based on using specialized software, high professional standards for personnel, responsibility of the bank employees.

17. Bank branches network At present, SOMBelBank is comprised of 5 bank services centers in the city of Minsk, 1 bank services centre in the city of Hrodna, 1 settlement and cash services centre, 3 distant stations in shopping outlets. Our plans include establishing bank services centers in Mogilev, Brest and Solihorsk as well as cooperating with a large number of entrepreneurs in Gomel, Vitebsk, Mozyr, Bobruisk.

18. Banking services

19. A universal bank! SOMBelBank is a universal commercial financial institution with the classic range of invariably high quality banking services: Settlement and cash and credit services for corporate customers Securities operations Currency exchange Issuing customs warrants Consumer crediting Settlement and cash services for individuals Consultation services

20. Settlement and cash services Settlement and cash services is the basic service that a bank delivers to its customers. Services provided SOMBelBank include: Prompt and accurate payment operations Advantageous rates Operating with all types of accounts used in Belarus A personal manager supervising all the customer’s accounts Electronic payment system «Klient-Bank» (Client-Bank)

21. Deposits for corporate customers The best way to make profits out of Your’ company's currently available assets is to deposit them in SOMBelBank High interest rates Varied deposit periods Any currency

22. Credit facilities for corporate customers Optimum form and schedule of loans Factoring, leasing, warrants and guarantees

23. Micro loans Micro loans program incentives : Supporting small and medium business Banking services profitability growth Micro loans recipients: Individual entrepreneurs Small and medium companies

24. Securities operations We operate with state securities We provide consultations and assistance in purchasing securities We issue our own bills of exchange We operate with bills of exchange from other banks

25. Planned activities Depositing money assets owned by individuals Bank card services Loans for individuals - housing construction loans - overdraft loans - auto loans

26. Contact information Head office 25 Marksa Str. +375 17 206-65-82, 222-70-91 BSC №1 30 Engelsa Str. +375 17 206-33-14, 206-33-15 BSC №2 93а Kropotkina Str. 237-75-36, 237-75-06 +375 17 237-75-36, 237-75-06 №3, 7 Naydusa Str., Grodno BSC №3, 7 Naydusa Str., Grodno 770-110, 77-25-25 +375 15 770-110, 77-25-25 №49 Kulman Str. BSC №49 Kulman Str. 290-74-26, 220-12-77 +375 17 290-74-26, 220-12-77 №5 20/3 Pobediteley Ave. BSC №5 20/3 Pobediteley Ave. 250-11-82 +375 17 250-11-82 BSC №6 24 Kalvariyskaya Str. +375 17 200-00-81 We are glad to meet You in our offices