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Raiffeisenbank and Musa Motors offer a special credit program.

Raiffeisenbank, together with the International Automobile AssociationMusa Motors, is offering a special refinancing car loans program. Underthe current offer, customers can exchange a car under 5 years taken oncredit for a new one in any automobile showroom of Musa Motors,irrespective of the creditor bank, manufacturer and dealer.

As a result of the deal, the client becomes an owner of a new car underRaiffeisenbank''s credit program, without spending private finances forrepayment of a credit in the creditor bank, and without spending time onselling the existing car: specialists from Musa Motors organize theprocess for the customer.

In most cases, a car loan under the joint credit program ofRaiffeisenbank and Musa Motors is provided under more favourable terms,than of other creditor banks. The present product gives the customer anopportunity to become an owner of a car of a higher class, and in somecases to diminish the sum of monthly installments.

Loans for new car purchases in Musa Motors will be released for up to 5years. Foreign currency loans will cost 9% annually, regardless of theincome confirmation type. Ruble uniform percentage rates are alsosuggested. Ruble credits will cost 11-14% a year, depending on the sumof a credit, regardless of the income confirmation type.

Special offers from the leading insurance companies are valid under thejoint credit program of Raiffeisenbank and Musa Motors. Please followthis link for more detailed information on the credit program.

International Automobile Association Musa Motors is the biggest officialdealer of world-famous automobile brands. The company was founded in1992 and nowadays defines many ideas of the development of the Russianautomobile market. Today members of the International AutomobileAssociation are: a multibrand company Musa Motors, the official dealerof world-famous automobile brands (Volvo, Land Rover, Jaguar, Chrysler,Jeep, Dodge, Renault); TC Motors, an exclusive importer of Chrysler&Jeepto Latvia; BorisHof, the official dealer of BMW and Mini; Rolls-RoyceMotor Cars Moscow, the exclusive dealer of Rolls-Royce in the Russianmarket.

CJSCRaiffeisenbank Austria is the eighth largest bank in Russia in terms of assets as of the first quarter of 2006 (EAC Interfax). The Bank has 18 outlets in Moscow, 3 in St. 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 1st quarter of 2006 ( Interfax Economic AnalysisCentre).

CJSCRaiffeisenbank Austria is an affiliate 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 10 million clients at morethan 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. RZB is the central institution of the Raiffeisen Banking Group, the principal corporate and investment bank, and the leading bank in Austria, as well as in Central and Eastern Europe.


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