Website: www.visa.com.au

Aviva Insurance Company is the Russian subsidiary of Aviva Group, the preferred partner for banks and the leader in bancassurance in Europe. Aviva’s successful model that builds on customer focus, strategic alignment, operational excellence, and employee focus, delivers excellent results for our banking partners in over 18 countries. Reflecting Aviva’s world-wide expertise and know-how in bancassurance, we offer competitive and flexible terms of cooperation to banks in Russia. Our services range from simple protection to sophisticated savings programs.

Website: www.aviva.com

IPNet is a Russian national VSAT network operator; authorized distributor, provider and systems integrator of Hughes Network Systems in Russia, the world’s leading provider of broadband satellite network solutions and services for businesses and consumers. JSC «IPNet» was established in 2000 and maintains its own Central Earth Satellite Communication Station (Hub) located in Moscow. IPNet offers a wide range of telecommunication services in all regions of Russia. IPNet’s major clients are from the energy industry, retail, government, banks and ISPs.

Website: www.zaoipnet.ru

IBM is the world’s largest information technology company, with 80 years of leadership in helping businesses innovate. Drawing on resources from across IBM and key Business Partners, IBM offers a wide range of services, solutions and technologies that enable customers, large and small, to take full advantage of the new era of e-business. For more information about IBM eServers, please visit www.ibm.com/ru

National Bank TRUST offers a full range of retail banking services in Small, Medium Enterprise lending, corporate coverage and other sectors. According to the Central Bank of the Russian Federation, the Bank is one of the biggest thirty financial organizations of Russia with one of the widest regional networks. It is represented across Russia’s 51 regions in 90 cities with more than 120 retail outlets.
National Bank TRUST has a wide correspondent network and keeps close contact with subsidiaries and representative offices of foreign financial institutions including CIS and Baltic banks. National Bank TRUST also cooperates with the leading trading floors, clearing houses, rating agencies, banking associations and associations of professional participants in securities market, as well as global banking institutions.

26, Ulansky lane, Moscow, 107045, Russia
Tel. +7 495 647 90 21

Website: www.trust.ru

Fiserv CBS Worldwide is a unit of Fiserv, Inc. that delivers end-to-end business and technology solutions for retail financial and consumer finance institutions throughout Europe, Asia-Pacific, Latin America, The Caribbean, Canada and the United States. Through its offices in USA, UK, Poland, Moscow, Singapore, Australia, China, Indonesia, Colombia, Mexico and Costa Rica, Fiserv CBS Worldwide enables more than 280 financial institutions to deliver integrated solutions for managing the entire customer lifecycle from core banking to multi-channel customer contact and data warehousing. Fiserv CBS Worldwide can be found on the Internet at www.fiservcbs.com.

Rusfinance Bank, a 100% subsidiary of Societe Generale in Russia, a part of Rusfinance group, that was launched its activities in June, 2004. Rusfinance group focuses on giving out consumer loans through a network of 8000 commercial partners (retail chains and auto dealers), along with consumer loans over the phone, via post or the Internet. Due to advanced IT technologies and efficient scoring models Rusfinance group serves about 2 million clients in more than 60 regions of Russia employing 8300 people.

According to RBC Daily Rusfinance Bank was ranked the 2nd among the largest car financing banks in March 2007. In January 2008 Finans magazine placed Rusfinance Bank the 3rd among the banks – leaders of POS financing.

Website: www.rusfinance.ru

Collection Agency “Pristav” was founded by successful business and financial executives in Russia in 2005. Pristav is an independent company not affiliated with any Russian Financial Industrial Group or other financial institution.
Pristav has the expertise to help its clients by providing services at each stage of credit cycle including loan origination, underwriting, loan servicing, verification, debt collection and loan portfolio securitization.
Pristav render services on collecting debts for banks, insurance companies, telecommunication operators, retail networks and any others who realizes the goods and services on credit.

Website: www.pristavcollection.ru

UniCredit Bank (former International Moscow Bank) is a Russian commercial bank offering a full range of services. UniCredit Bank is in top-10 by total assets in Russia according to Interfax—100 ranking. UniCredit Bank is owned (100%) by Bank Austria Creditanstalt (BA-CA), member of UniCredit Group.

Website: www.unicreditbank.ru

Global Payments (NYSE - GPN) is one of the world's largest transaction processors. Global Payments' experience spans more than four decades of successful cooperation with financial institutions located throughout the US, Canada, Latin America, Europe and Asia-Pacific region.
Global Payments offers its customers a comprehensive portfolio of processing products and service solutions including: authorization, clearing and processing of payment card transaction, card management system services, card personalisation, connection of ATMs and POS-terminals.
Global Payments provides credit bureau services via its subsidiary Global Payments Credit Services, which is the largest credit bureau in Russia.

Website: www.globalpaymentsinc.com

• Was founded in 1990 with a focus on recruitment
• The agency is InterSearch member
• Since 1996 agency has been working by branch specialization principle
• Top-managers team has been being in the rating «ТОР-1000 the most professional top-managers in Russia» since 2002 (formed by Russian Managers Association)

• Top-managers search and recruitment
• Search and recruitment of qualified specialists and medium-level managers
• Graduate recruitment
• Mass recruitment
• Personnel leasing & outstaffing
• Salary surveys (by individual clients’ inquiries)
• Labor market researches

CRIF is a Europe based company specialized in the development and management of credit reporting, business information and decision support systems with operations in Europe and America.
Established in 1988 in Bologna (Italy), the company supports banking and financial institutions, insurance companies, utilities and general businesses. In 2005, CRIF was co-founder of the National Bureau of Credit Histories (NBCH), together with the National Banking Association (ARB) and some of the country’s main banks. OOO CRIF, established in 2007 in Moscow, offers services ranging from analysis to consultancy, as well as outsourcing, anti-fraud and software solutions for companies in retail and SME markets.

Website: www.crif.ru

With more than 2,900 professionals in over 40 cities around the globe, Oliver Wyman is the leading management consultancy that combines deep industry knowledge with specialized expertise in strategy, operations, risk management, organizational transformation, and leadership development. The firm helps clients optimize their businesses, improve their operations and risk profile, and accelerate their organizational performance to seize the most attractive opportunities. Oliver Wyman is part of Marsh & McLennan Companies [NYSE: MMC]. For more information, visit www.oliverwyman.com.

XEROX is a leading manufacturer of the whole range of digital printing equipment ranging from devices for personal users to high-tech machines for Graphic Arts industry. XEROX offers solutions aimed at increasing business effectiveness and profitability to customers all over the world – from small offices to global corporations.
Today XEROX operates in 170 countries of the world manufacturing over 200 product items. Business division Xerox Eurasia, operating since 2004, covers 21 countries, including Russia, other CIS countries, Baltic, Asian, Caucasus and East European nations. Xerox Eurasia headquarter is located in Moscow, other regional representative offices are in Almaty, Astana, Belgrade, Ekaterinburg, Kiev, Minsk, Novosibirsk, Riga, Rostov-on-Don, Saint-Petersburg, Sofia, Tashkent, Tyumen and Vladivostok. Each of the Company's regional representative offices is capable of providing complete range of activities for selling and service maintenance of XEROX equipment. Xerox Eurasia partners' network includes over 1,000 major partners and resellers. The Company’s after-sale service system comprises more than 550 service centers. Additional information on the Company, its products and activities is available at www.xerox.ru and www.xerox.com

Headquartered in Palo Alto, California, TIBCO Software Inc. (NASDAQ:TIBX) provides enterprise software that helps companies achieve service-oriented architecture (SOA) and business process management (BPM) success. With over 3,000 customers and offices in 40 countries, TIBCO has given leading organizations around the world better awareness and agility–what TIBCO calls The Power of Now®.

Website: www.tibco.com

The Companion Insurance Group has over 9 years experience in the insurance market. It has a wide regional network and a license for all of the main types of insurance. This allows us to offer our clients comprehensive cover and guarantees a prompt service throughout the Russian Federation.

Website: www.companion-group.ru

ROSNO insurance company has been active on the market since 1992. The main shareholder of ROSNO is the leading German insurer Allianz SE (97% shares).
ROSNO regional network consists of 100 branches, incorporated into 10 Directorates by territory, and 300 agencies in all subjects of the Russian Federation.
In the national ranking of Russian insurance companies, performed by “Expert RA” rating agency, ROSNO is awarded the highest rate A++ “High level of reliability with positive outlook”.
In 2007 Moody’s Investors Service has assigned a global scale insurance financial strength rating (IFSR) of Baa1 to ROSNO. The rating outlook is stable. At the same time, Moody’s Interfax Rating Agency assigned Aaa.ru national scale rating to ROSNO.

Website: www.rosno.ru

CityMortgage Bank (Registration No. 1627) is a specialized mortgage bank. The bank’s chartered capital exceeds 1 billion RUR. The Bank is formed with the participation of the leading Russian insurance company. Now CityMortgage Bank is part of the Morgan Stanley Group. Currently CMB operates in 22 regions of the Russian Federation.

Website: www.gorodskoi.ru

Roland Berger Strategy Consultants, founded in 1967, is one of the world's leading strategy consultancies. With 35 offices in 24 countries, the company has successful operations in all major international markets. In 2007, it generated more than EUR 600 million in revenues with 2,000 employees. The strategy consultancy is an independent partnership exclusively owned by about 160 Partners.

Website: www.rolandberger.com

SunGard’s Ambit System Access provides universal banking solutions that help banks deliver a broad range of banking products and services for retail and commercial banking. The Ambit System Access universal banking product suite is composed of the following products:

• System Access Core Banking
• System Access Customer Service Manager
• System Access Card Management

Ambit System Access solutions provide straight-through transaction processing, centralized common services, workflow driven business process and an enterprise-wide customer information repository.

Website: www.sungard.com/ambit

Czech Insurance Company began its activity in Russia in 2002, with life insurance as its main direction. The company belongs to the international PPF Group - one of the leading financial groups in Western and Central Europe. The Group is active on the insurance and credit services market, and offers a wide range of services in the filed of financial asset management. Today, Czech Insurance Company offers high quality services and an individual approach to developing insurance and finance programmes, aimed at optimal client satisfaction and at meeting consumer requirements.

Website: www.czins.ru

URSA Bank has one of the largest and successful networks in Russia. The bank’s branches and offices operate in all large cities of the Far East, Siberia, the Urals, and Volga regions. Another branch operates in Moscow, and representative office are open in Almaty (Kazakhstan), Prague (Czech Republic), and London (UK).

Website: www.ursabank.ua

BCC Company is specialized on development of complex solutions and large-scale projects implementations in the sphere of information technologies, communications and engineering. We have successfully implemented a number of complicated and challenging projects, accumulated full set of functional and field expertise: management consulting, applications and IT-consulting (including CRM and specialized banking applications implementation, corporate e-learning systems), SOA and BPM-consulting, processing centers, datacenters and corporate multiservice networks deployment, engineering systems installation. Among our customers in financial sector are: banks and insurance companies: Central Bank of Russian Federation, Sberbank, URSA-Bank, Raiffeisenbank Austria, MDM-Bank, VTB, VTB 24, St. Petersburg Bank and others.

Website: www.bcc.ru