Uniastrum expands discount program for cardholders

Thanks to the Bank’s joint program with Statoil’s retail gas station network all Uniastrum cardholders enjoy discounts on fuel, merchandise and carwash services in Saint Petersburg, and the Leningrad and Murmansk regions.

Uniastrum continues to extend the list of companies taking part in a special discount program for the Bank’s cardholders. Uniastrum customers now receive a 5% reduction on fuel and merchandise and 10% off on carwash prices at Statoil filling stations. Likewise, in Saint Petersburg Uniastrum cardholders enjoy markdowns on holiday travel, automobile purchases and services with the Bank’s partner companies.

Uniastrum customers receive a discount on payment, and also whenever they use their Uniastrum Bank card, irrespective of the region in which it was issued, the payment system or card type. A Uniastrum card can be applied for by calling in at one of the lender’s neighborhood banking centers, clicking on www.uniastrum.ru, or phoning the Bank’s information center on (8-800) 333-04-04.

Statoil Fuel & Retail ASA is Scandinavia’s biggest retail gasoline operator, has been in the business for over one hundred years, and commands solid leadership positions on the automobile fuel, goods and services market. For more than 20 years, the company has forged ahead with expanding its filling station network in the Baltic States and Poland. Statoil Energy and Retail Russia operates 19 gas stations in Saint Petersburg, and the Leningrad, Pskov, and Murmansk regions. Statoil has established a dealer network selling high-quality in-house produced lubricants with a wide presence throughout Russia.

“Bank cards are a modern and convenient payment method and for many people they are an inherent feature of everyday life,” notes Oleg Shvetsov, First Deputy Chairman of Uniastrum’s Management Board. “By increasing the number of companies taking part in our discount program, we enable our customers to gain discounts on popular goods and services. For the record, we have program partners in every region where Uniastrum Bank operates.”

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 44th largest bank by asset size, 37st by loan portfolio volume, 32th 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