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Raiffeisenbank’s customers are able to repay loans in rubles throughoffices and branches of IMPEXBANK.

Starting from September 4, 2006, customers of Raiffeisenbank, whoreceived a ruble credit, will be able to repay their loans in rublesthrough all Moscow offices and regional branches of IMPEXBANK.

In order to make a payment, it is necessary to have a passport, to knowthe number of loan agreement and the number of the current ruble accountwith Raiffeisenbank. In the IMPEXBANK branch it is necessary to fill inan application form and pay the cashier. The client''s funds enter theaccount with Raiffeisenbank next operation day in the afternoon. Moneypaid on Friday, Saturday and Sunday will be available on the account onMonday. The funds are withdrawn for credit repayment according to thepayment schedule.

Raiffeisenbank''s customers may transfer their funds for repayment ofcredits issued both in the Moscow offices and regional branches of thebank. Customers may transfer their funds both personally and by proxyand/or by a third party without power of attorney, on condition that theaccount number and the name of the beneficiary are specified in full.

The new payment scheme is already successfully tested, and we hope that our customers will fully appreciate its convenience. We are planning to suggest our customers other joint products and services in the near future - Johann Jonach, Chairman of the Management Board of LLCRaiffeisenbank Austria, commented the introduction of the new service.

Consolidating the facilities of our banks, we offer profitable products and services, as well as the most convenient conditions for our existing and potential clients - emphasized Pavel Lysenko, Chairman of the Management Board of OJSC IMPEXBANK.

CJSCRaiffeisenbank Austria was ranked 8th among the biggest Russian banks in terms of volume of assets according to the results of the 2nd quarter of 2006 ( Interfax Economic Analysis Centre). Today the Bank has 19 offices in Moscow, 5 offices in Saint-Petersburg, and regional branches in Ekaterinburg, Samara, Novosibirsk, Chelyabinsk, Nizhny Novgorod and Krasnodar. Raiffeisenbank is ranked 6th among the leading retail Russian banks in terms of volume of private loans, and 7th in terms of volume of private deposits, according to the data based on the results of the 2nd quarter of 2006 ( Interfax Economic Analysis Centre).

CJSCRaiffeisenbank Austria is a subsidiary company of Raiffeisen International Bank-Holding AG (Raiffeisen International), a holding company, controlling subsidiary banks and leasing companies in 16 markets in Central and Eastern Europe. The Bank serves 11 million clientsat more than 2700 business outlets. Raiffeisen International is a fully consolidated subsidiary company of Raiffeisen Zentralbank Austria AG (RZB), which owns 70 % of the common stock. The remaining 30 % is free float; the shares are traded on the Vienna Stock Exchange. RZBis the central institution of the Raiffeisen Banking Group, the largest banking group in Austria, the principal corporate and investment bank, as well as the leading bank in Austria.

IMPEXBANK was established in 1993, and now it is a universal trade bank,one of the 30 largest Russian banks in terms of assets and stock volume,is included in theTop-10 of retail banks, participates in the state deposit insurance system. IMPEXBANK has a branching sales network, including 45 regional branches with a complete set of services, 40 subsidiary offices, 52 mini-offices, 348 points of consumer lending. IMPEXBANKnetwork includes more than 400 cash machines.


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