Uniastrum extends its U-Super Prime lending option until December 1, 2009

What make the U-Super Prime program so unique are its market-beating interest rates and payment terms

Without doubt, U-Super Prime’s most attractive feature is its cut-price interest rates, which begin at just 10.7% APR for loans issued in foreign currency and at 13.7% APR for ruble-denominated credit, with a disbursement fee equal to 2.7% of the principal. Effective October 27, the minimum loan amount has been cut to $1,000,000, ?700,000 or Rb 30,000,000. Also, not only legal entities, but also unincorporated businesses can take advantage of U-Super Prime’s unbeatable terms.

The U-Super Prime lending scheme is targeted primarily at large corporate borrowers whose finances are generally in good shape but who are looking for funds to cover day-to-day expenses. The loan can be used for any business-related purpose, including rollout projects or refinancing credit taken out with other banks.

U-Super Prime can also be used to replenish current assets (for a period of up to 5 years, with a deferment option of up to 12 months) or for investment purposes (up to 10 years, subject to an agreed payment schedule, and the possibility of postponing payment for up to 12 months). Loans are repayable in partial monthly installments, although the principal repayment terms are negotiated individually with each client.

Borrower eligibility criteria are standard: two-year work experience and no negative credit history (long-term or repeated delinquency, no judgment recovery) within the past year.

As for collateral, a U-Super Prime loan is secured with real estate (business or residential).

There are three types of U-Super Prime loan available:

• a single loan amount credited to the borrowers account

• a revolving credit line (with a limit on the difference between drawdown amounts and loan payments)

• a non-revolving credit line (with a limit on the total amount of funds advanced to the borrower).

“The U-Super Prime lending option is something you won’t find anywhere else on the Russian banking market,” says Dmitri Slonin, Deputy Director of Uniastrum’s Corporate Lending Division. “Once people got to hear of the program, we found ourselves looking at applications totaling more than Rb 15 bn. We understand our clients’ financing needs, which is why we’re extending the promotion period. Moving forward, Uniastrum Bank will continue to offer its customers unbeatable loan payment options combined with flexible and personalized solutions.”

Further details of Uniastrum’s U-Super Prime loan program can be found on the Bank’s website (http://www.uniastrum.ru/), by visiting any Uniastrum Bank satellite office, or by calling (495) 744-04-04 (Moscow and the Moscow region) or 8-800-333-04-04 (outside Moscow).

For more information call or write Olga Kurganova:

744 04 04, ext. 1066

kurganova@uniastrum.com

www.uniastrum.ru