International Money Transfer System LEADER

Information for financial institutions

The LEADER money transfer system offers the following services to the financial institutions:

• system membership – incoming and outgoing money transfers;

• acceptance of payments and repayment of bank loans;

• opening and servicing correspondent accounts;

• operations on money-markets.

The counterparty bank using LEADER offers its clients a new service with a lot of benefits, which finds a great demand among the population and attracts more customers.

BENEFITS FOR COUNTERPARTY BANKS

The participation in the LEADER system allows:

• TO GET a significant part of the fee;

• TO INCREASE the income pro rata with the growth of the customer base;

• TO RECRUIT new clients.

But for all that the counterparty bank has no need to install software – the system has a remote access with the use of modern Internet technologies.

The system has very convenient interface and allows to generate various EXCEL compatible analytical reports and balance sheets.

Transfer forms may be filled in in the system directly. The client only has to sign, which also allows to cut service costs and make it quick and convenient.

A regular growth of the system turnover ensures additional income generation for counterparty banks without bearing any extra connection or service costs.

All LEADER members are provided with the software package and advertising materials free of charge.

Throughout the whole period of cooperation with the counterparty bank we offer comprehensive assistance and advisory regarding of the system.

Why should the client choose LEADER?

• CHEAP - LEADER system charges one of the lowest fees on the market of money transfers, while offering an international quality of service – from 0.95% per transfer, this one-off taken fee is being charged from the transferoronly.

• QUICK - There is no need to queue for ages to send a transfer. A convenient software complex allows the operator to fill in all the required data as quickly as possible, while the modern technologies used by the system facilitate the transaction to the maximum extent possible. The transfer can be received within a few minutes.

• SIMPLE -There is no need to fill in long application forms with plenty of items and fine print – it is enough to submit the passport and the operator will fill in the application for you.

• CONVENIENT - With the help of the LEADER system, you may replenish your account with mobile phone (BEE LINE, MTS, MEGAFON etc.) or telephone (MGTS etc.) operators, satellite TV (NTV+, COSMOS TV etc.), Internet providers (STREAM, AKADO etc.) and pay the GIBDD fines. Over 200 providers can get your transfer in just a few minutes.

Loan Repayment

LEADER offers the credit organizations the service of loan repayment. Your clients will be able to transfer funds to their current, credit, card and other accounts opened with your bank.

Payments are accepted at LEADER’s outlets opened with the member banks in Russia and the CIS as well as at self-service terminals (like cash-in) situated in Moscow.

The bank can be quickly connected to the system via standard interfaces.

All of the above will allow your bank to attract new clients and to increase the loyalty of your existing customer base due to the convenient loan service.

Opening and Servicing the Correspondent Accounts.

LEADER offers opening of RUR and foreign currency denominated accounts on the following terms and conditions:

• opening an account is free of charge;

• no required minimum balance;

• account maintenance is free of charge;

• debit and credit transactions is free of charge;

• interest accrued on temporary available funds is at an agreed rate;

• cut-off time – 6:00 p.m. Moscow time;

• use of convenient telecommunications possible (SWIFT, Bank-Client).

Besides, if you open accounts with LEADER, it will be easier and faster to make money transfers.

Money market operations.

LEADER offers the following range of money market services:

• USD/RUR trading on TODAY, TOMORROW, SPOT terms at competitive exchange rates;

• trading in all European currencies and Russian rubles;

• performance of transactions without limits using the 1st, 2nd and 3rd session RUR payments and term foreign-currency denominated credit advice;

• international forex operations.