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Zurich-Rus Insurance Company joins Raiffeisenbank’s «Discounts for You» program.

Moscow, July 20, 2006– Zurich-Rus Insurance Company and CJSC Raiffeisenbank have signed an agreement, under which the insurer will provide discounts to customers buying policies with the Bank''s cards.

Visa Gold/Golf and MasterCard Gold card holders will receive 15%discounts under Z Avto program (motor insurance, including motor hullinsurance (AvtoKASKO), voluntary motor third party liability insurance,driver''s and passengers'' accident insurance), and 20% under Z Domprogram (city and outskirts real estate insurance, excluding mortgageinsurance). Discounts for Visa Classic, MasterCard Standard, VisaElectron, Cirrus Maestro card holders will amount to 7% under Z Avtoprogram and 10% under Z Dom program respectively.

«The new agreement is not only another step in the realization of our retail strategy, but also another stage in our co-operation with Raiffeisenbank», - stated Dmitry Ignatyev, Director General of Zurich-Rus Insurance Company.

Zurich-Rus Insurance Company provides corporate bond insurance toRaiffeisenbank and its subsidiaries since 2002. In 2005 the insurancecompany won a tender for the provision of insurance cover for allproperty and civil liability of the bank and its regional network. InApril 2006 Zurich-Rus Insurance Company obtained the right to provideinsurance cover for cars of private individuals, bought under a range ofthe Bank''s credit programs.

About Zurich-Rus Insurance Company

Zurich-Rus Insurance Company is a 100% subsidiary of Zurich Group(Zurich Financial Services Group, or Zurich). The company wasestablished in 1992 and joined the Zurich Group in 1996.

Zurich-Rus Insurance Company provides a wide range of insurance servicesto corporate clients, and actively develops its co-operation withprivate individuals. The Company''s offices are situated in 5 Russiancities& towns: Moscow, St. Petersburg, Ufa, Vladivostok, and Khabarovsk.

About CJSC Raiffeisenbank Austria

CJSC Raiffeisenbank Austria is an affiliate of Raiffeisen InternationalBank-Holding AG (Raiffeisen International), a holding company,controlling 16 subsidiary banks and leasing companies in Central andEastern Europe.

CJSC Raiffeisenbank Austria is the 8th largest bank in Russia in termsof assets as of the 1st quarter of 2006 (EAC Interfax).The Bank has 18outlets in Moscow, 3 in St. Petersburg, and regional branches inEkaterinburg, Samara, Novosibirsk, Chelyabinsk, Nizhny Novgorod andKrasnodar.


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