1. International bank club «Analytics unlimited» 2006-2012

2. International bank club «Analytics unlimited» Club’s mission: Forming common information sources and conceptions for banking in Russia and abroad Banking business support by seminars and conferences Concentration on prospective banking business products Providing business co-operation and experience consolidation Initiators: Sviaz-Bank Association of Russian Banks Russian Union of Industrialists and entrepreneurs Association of Regional Banks of Russia (Association “Russia” International Bank Council

3. International bank club «Analytics unlimited» Arrangements in the following fields: retail; international business; trade finance; business financing, etc. with support from competent experts. Publications «On an edge of bank thought» in 2006, 2007, 2008 (issues are from 1000 to 3000 copies). Russia-Uzbekistan and Russia-Kazakhstan Interstate commissions participation Supporting site «Analytics unlimited» www.mbka.ru.www.mbka.ru The main club’s projects: «Banking systems in different countries», «Summary rankings of the CIS countries», «Prospective banking products», "Library", etc.

4. EVENTS 2006 - 2007 –Pannell discussion «The main issues of anti-money laundering procedures and terrorism fighting», March, 2006 –Pannell discussion «Credit bureaus: problems and perspectives», March, 2006 –Pannell discussion «Joining World Trade Organization (WTO): impact for the Russian market », June, 2006 –Conference-seminar «Pledges in successful financing», October 2006 –Conference «Country and bank risks and bank products in Central and the Eastern Europe», Budapest, partner ВАСЕЕ, November, 2006 –Conference «Money laundering. The role of banks for solving the problem», partner National Foreign Exchange Association, December, 2006 –Conference referring to retail business «BLIZKO in anti-money laundering», partner "BPS-BANK", Minsk, December, 2006 –Conference «Prospective bank products: IPO and the syndicated loans», partner National Foreign Exchange Association, March, 2007

5. EVENTS 2007 –Pannell discussion «Forfeiting in the Russian Federation: Experience and outlook», June, 2007 –Conference «Bank retail: current sources and possibilities?», June, 2007 –Pannell discussion «Factoring. World practice and Russian experience», September 2007 –Annual conference-seminar «Pledges for successful financing - 2», partner IFBSM, October, 2007 –Pannell discussion «Crisis in the world financial markets: impact on the Russian banks», partner National Foreign Exchange Association, November, 2007 –Conference-seminar «Banks expansion into regions», partner IFBSM, November, 2007 –Pannell discussion «Arrangement of securitization. Legal aspects», December, 2007

6. EVENTS 2008 - 2009 Pannell discussion «Trade finance: directions, possibilities, perspectives», 30.01.2008 Pannell discussion «Basel 2 worth. Impact on reputation and business development», 02.04.2008 Pannell discussion «Islamic banking: principals and possibilities in the Russian financial market», partner National Foreign Exchange Association, 23.04.2008 Pannell discussion «Unallocated bullion accounts as an effective financial tool in crisis. The world precious metals market», 19.02.2009 Conference « Stages of the economic crisis in the Russian Federation and impact to 2010: adaptation strategy», the partner «Ernst & Young», 03.03.2009 Pannell discussion «Small and medium business development as an anti-crisis tool of support of domestic economy», partner the EBRD, 02.04.2009 Pannell discussion «Perspectives of foreign trade finance in financial crisis», 23.04.2009 Pannell discussion «Chinese banking system. Influence of Chinese economy on development of the Russian Federation economy», partners Industrial and Commercial Bank of China (Moscow), «Ernst & Young», 04.06.2009

7. EVENTS 2009 Pannell discussion «Current securitization features», partner "Mercury Capital Trust", 08.07.2009 Seminar «Low-risk technologies for financing in the Russian Federation», 16.09.2009 Seminar «Russian banking system development and role of national rating agencies», the partner EXPERT РА, 24.09.2009 Pannell discussion «Non-performance loans management in bank», partner the Union of borrowers and investors of Russia, 20.10.2009 Pannell discussion «Non-performance loans management in company», partner Group of Companies «Debt Expert», 12.11.2009 Pannell discussion «Legal aspects of REPO agreement», partner The National Securities Market Association, 09.12.2009

8. EVENTS 2010 Pannell discussion «Domestic and other currencies in the international sales: cooperation or…?», partner Association of Russian banks, 11.02.2010 Pannell discussion «Financial crisis review: one and a half year later», the partner «Ernst & Young», 03.03.2010 Pannell discussion «Features of individuals savings: trend after crisis», partner Deposit Insurance Agency, 27.04.2010 Pannell discussion «Restructuring of non-performing loans: experience and new solutions», partners «Salans», «Ernst & Young», 18.05.2010 Seminar «Pledges in current practice of financing», partners Sviaz-Bank, Consulting company «NEOCenter», Absolut Bank, 17.06.2010 Conference “Loans to Small and Medium Businesses 2010: Moscow and Moscow Region,” September 14, 2010

9. EVENTS 2010 Round Table «Scenarios for Development of the Russian Financial System»,September 22, 2010 Round Table «Mini-Loans as an Instrument to Develop the Very Small Loan Market», September 27, 2010 Conference «Assessment of Bank Stability in Current Conditions: Stress Tests and Ratings», October 19, 2010 Round Table «REPO Transactions as an Active Instrument of the Money Market: Liquidity Management, Risks, Legal Regulation», November 16, 2010 Workshop «Bond Issues for Financial Sector Companies», December 15, 2010

10. EVENTS 2011 Second Professional Conference “Loans to Small and Medium Businesses.” Partners: Media Group Securities Market (MGSM) and Moscow Chamber of Commerce and Industry. February 16, 2011 Round Table “The Yuan: Practice, Problems, and Prospects for the Use of the Currency.” Partners: Bank of Russia and Moscow Chamber of Commerce and Industry. March 16, 2011 Round Table “The Russian Economy and Banking Sector in the Medium Term (until 2013).” Partner: Moscow Chamber of Commerce and Industry. April 20, 2011 Round Table “The Role of the Project Office in the Bank’s Strategic Development.” Partner: Sviaz-Bank’s Project Technology Department. June 2, 2011 Round Table “Problem Loans: Restructuring or Recovery?” Partners: Sviaz-Bank’s Problem Assets Management Department and Moscow Chamber of Commerce and Industry. July 14, 2011 Conference “Security in Modern Lending Practice – 2.” September 21, 2011. Partner: Sviaz-Bank’s Security Service

11. EVENTS 2011-2012 Conference “Small and Medium Businesses in Moscow and Moscow Region: Fund Raising Options.” Partners: MGSM and Moscow Chamber of Commerce and Industry. October 5, 2011 Round Table “Prospects for Remote Financial Banking Services.” Partner: BLIZKO Money Transfer System, October 25, 2011 Conference “The Russian Banking System: A View of Independent Rating Agencies against the Background of Instability in Financial Markets.” Partner: Association of Russian Banks. December 2, 2011 Round Table “The CRM System as a Component of a Modern Bank Contact Center.” Partner: FG Consult. December 15, 2011 Round Table “Innovations in Electronic Finance.” Partner: ARB. February 21, 2012 Conference “Transformation of the Money Transfer Market. Sales Optimization.” Partner: BLIZKO Money Transfer System. March 27, 2012 Conference “Financial Cooperation between Russia and China: Mutual Expansion Goes on ….” Partners: MICEX-RTS OJSC and Moscow Chamber of Commerce and Industry.” March 29, 2012.

12. EVENTS 2012 Round Table “Economic and Banking Sector Development in the Russian Federation in 2012 and 2013.” May 17, 2012 Conference “Adaptation of Rating Agencies to New Market Conditions.” Partner: ARB. May 29, 2012 Third Annual Conference “Problem Loans: Solutions and Prospects.” Partners: ARB and PROJECT Management Company. July 5, 2012 Round Table “Remote Banking Services: Target for Cybercriminals.” Partners: ARB and ITAR-TASS. July 27, 2012 Third Annual Conference “Security in Modern Lending Practice.” September 26, 2012.

13. 2006 - 20102011 1.10.2012 Number of Events40108 Number of Participants2700800800800 Publications and references in financial mass media 300150160160 International bank club «Analytics unlimited»

14. Organizing committee of the Club: Krivoscheeva Svetlana +7 (495) 668-25-81, +7-926-748-09-69, E-mail: krsv@sviaz-bank.ru@sviaz-bank.ru