Uniastrum Bank scales up interest rates on Big Interest deposits

Effective November 23, Big Interest account holders will earn interest of up to 10 percent APR

Uniastrum’s Big Interest time deposit is an ideal, no-frills option for customers looking to invest Rb 100,000 - Rb 100,000,000 for up to one year. A big plus is that holders are guaranteed a return even if they decide to close their account early, in which case interest is calculated for the actual deposit period.

For more details and to apply to open a Big Interest account online, click on http://www.uniastrum.ru/personal/savings/deposits/big/#

November 23 also saw Uniastrum Bank kick off its New Year special offer for deposit holders. Anyone opening an Access, Big Interest or Future Perfect account between November 23, 2010 and January 31, 2011 is guaranteed a gift.

All Uniastrum customers opening a time deposit automatically receive a payment card or a U-Pay check card with an authorized overdraft of Rb 30,000, or the dollar/euro equivalent, which has been specially designed for deposit account holders. Benefits include a competitive interest rate, as well as a quick and straightforward application process. When an account is closed, customers can go on using their card, and there are no card administration fees.

“In 2011 we intend to boost our total retail deposit volume 50%,” says Oleg Shvetsov, First Deputy Chairman of Uniastrum’s Management Board. “Our Bank has a presence in virtually every part of Russia, we are able to offer customers competitive deposit deals, and, in keeping with the festive spirit as New Year approaches, we are once again including a special gift in our welcome package for new depositors.”

CB UNIASTRUM BANK LLC was established in 1994. Uniastrum is a universal lending institution offering a comprehensive range of financial products and services, with particular focus given to the retail sector and small and medium-sized businesses. Uniastrum is one of Russia’s Top-30 systemically important banks, as ranked by the Central Bank of the Russian Federation, and places among the country’s Top-20 based on the size of its branch network. It is Russia’s 45th largest bank by asset size, 31st by loan portfolio volume, 28th by overall retail deposits, and 13th by total auto loans. In 2003-2007 it was the 14th biggest dynamic-growth bank, according to ratings released by RosBusinessConsulting news agency. Uniastrum’s financial statement for October 1, 2010 showed the Bank’s total assets at Rb 134 bn, with equity capital amounting to Rb 8.99 bn. Uniastrum Bank is a deposit insurance scheme participant. On May 31, 2010 Moody’s Investors Service affirmed the Bank’s long-term global foreign and local currency deposit rating at Ba2 with a stable outlook, while Moody’s Interfax Rating Agency affirmed its national scale rating at Aa2.ru. Uniastrum’s regional network currently numbers around 220 offices (including 43 branches) in 48 Russian regions. Since October 31, 2008 Uniastrum Bank has been a member of the Bank of Cyprus Group.

For more information call or write Press office:

744 04 04, ext. 1066, 1119

press@uniastrum.com

www.uniastrum.ru