WWW.SOGAZ.RU WWW.SOGAZ.RU

PAGES OF HISTORY ANNUAL REPORT/07 15 PAGES OF HISTORY

WWW.SOGAZ.RU WWW.SOGAZ.RU CONTENTS Annual Report 2007

> CONTENTS . Address by the Chairman of the Board of Directors ...... 4 Address by the Chairman of the Management Board ...... 6 “SOGAZ” Insurance Group members ...... 8 Management Board of OJSC “SOGAZ” ...... 10 Highlights of the year ...... 13 Strategy of “SOGAZ” Group up to 2012 ...... 17 Key results of “SOGAZ” Group operation in 2007 ...... 21 Social activities of “SOGAZ” Group ...... 29 Financial report of “SOGAZ” Insurance Group Consolidated balance sheet of “SOGAZ” Insurance Group ...... 35 Income statement of “SOGAZ” Insurance Group ...... 39 Auditor’s report on financial statements of OJSC “SOGAZ” ...... 42 Financial report of OJSC “SOGAZ” ...... 45 Income statement of OJSC “SOGAZ” ...... 50 Contact Information ...... 55 Representative offices of OJSC “SOGAZ” ...... 56 Representative offices of OJSC “Gazprommedstrakh” ...... 64 15 PAGES OF HISTORY

WWW.SOGAZ.RU  “SOGAZ” Insurance Group 15 PAGES OF HISTORY ADDRESS BY THE CHAIRMAN OF THE BOARD OF DIRECTORS Annual Report 2007

ADDRESS BY ADDRESS THE CHAIRMAN OF THE BOARD OF DIRECTORS

The high credit of OJSC “SOGAZ” is confirmed by leading rat- ing agencies, namely, it is rated BB with the prediction “Stable” by Fitch in their international rating for financial stability. I am confident that the development plan of “SOGAZ” Group will be fully met, while its status of a reliable insurer and a trustworthy partner will become even more stable.

Chairman of the Management Committee, Dear shareholders, OJSC “Gazprom”, Chairman of the Board of Directors of OJSC “SOGAZ” Aleksey B. Miller “SOGAZ” Group has operated successfully in 2007. SOGAZ ranks first in the personal insurance and life in- surance sector and is one of the leading Russian companies in terms of insurance premium income. Today the Group’s clients are represented not only by oil and gas companies, but also by several other leading industries and individuals. The Group includes over 450 subdivisions all ОСНОВНЫЕ ИТОГИ ДЕЯТЕЛЬНОСТИ СГ «СОГАЗ» в 2007 году over Russia. OJSC “SOGAZ” has licenses for over 100 insur- 15 PAGES OF HISTORY ance rules, which involves all types of insurance coverage. Last year OJSC “SOGAZ” defined the principal goals of its development up to 2012, which are: to achieve at least a 10% market share, to ensure absolute leadership on the domestic market and to promote its insurance services abroad. The ex- pansion of OJSC “SOGAZ” operations was determined by the growth of the foreign business of Russian companies and by the necessity to provide insurance services on quite a new level to minimize risks.

 >> 15th Anniversary WWW.SOGAZ.RU  “SOGAZ” Insurance Group 15 PAGES OF HISTORY ADDRESS BY THE CHAIRMAN OF THE MANAGEMENT BOARD Annual Report 2007

ADDRESS BY ADDRESS THE CHAIRMAN OF THE MANAGEMENT BOARD

Ladies and gentlemen, clients, Among the highlights of the past year was the adoption of partners and shareholders the Development Strategy of the Group for 2008–2012. By im- plementing this Strategy we hope to cover 10% of the insur- of “SOGAZ” Insurance Group, ance market, thus becoming the leading diversified insurance company at the federal level. It is an ambitious goal, but we have a precise action plan and the understanding of how to use the available resources in the We have every reason to believe that the Group made a break- most efficient way. We are ready to put forward new challeng- through last year. In 2007, SOGAZ was among the three top ing ideas on the market and to implement large-scale projects. companies on the insurance market, and its growth rate shows To do this we have all we need: our knowledge, long experience that we have reached new horizons. and a united team of highly competent staff. I am convinced In 2008, “SOGAZ” Insurance Group is celebrating its 15th that together we should be able to meet our common goal anniversary. A strong position we have gained on the mar- of prosperity, welfare and security. ket is a result of hardest work we have been doing every day throughout all these years. In 15 years SOGAZ has evolved from a small corporate insurer to a powerful insurance group that has a strong influence on the national economy. While in 1994 SOGAZ was the 75th in the top insurers’ list, had Chairman of the Management Board, 8 branches and a staff of 300 people, today there are 4 000 “SOGAZ” Insurance Group Vadim E. Yanov employees working in 450 subdivisions all over Russia. In Q1 2008, we headed the list of all insurance companies in terms ОСНОВНЫЕ ИТОГИ ДЕЯТЕЛЬНОСТИ СГ «СОГАЗ» в 2007 году of insurance fees collected, and we intend to keep this position. 15 PAGES OF HISTORY This business report not only summarizes the last year, but is also a possibility to assess the dynamics of the company’s development and to make substantiated forecasts. In 2007, “SOGAZ” Insurance Group confirmed once again its image of a strong financial organization. SOGAZ is the absolute leader in personal insurance and is well ahead of all players on the domestic insurance market in terms of insurance premium growth rate.

 >> 15th Anniversary WWW.SOGAZ.RU  “SOGAZ” Insurance Group 15 PAGES OF HISTORY “SOGAZ” INSURANCE GROUP MEMBERS Annual Report 2007

“SOGAZ” INSURANCE GROUP MEMBERS

The Group is committed to maximum openness and financial trans- parency with regard to its clients, shareholders and partners. SOGAZ is audited by PricewaterhouseCoopers as to IAS and IFRS compliance. > OJSC “SOGAZ” > LLC “IC “SOGAZ-Life” shareholders founder OJSC “Gazprom” OJSC “SOGAZ” LLC “Gazprom Export” OJSC “Gazprombank” OJSC “LIRUS” “SOGAZ” LLC “Accept” > LLC “Gazprommedservice” INSURANCE LLC “IC “Abros” founder GROUP OJSC “SOGAZ”

OJSC “SOGAZ” > LLC “IC “Neftepolis” LLC “IC “Neftepolis” founder > CJSC “Leader” OJSC “SOGAZ” shareholders OJSC “Gazprommedstrakh” OJSC “SOGAZ” NSPF “GAZFOND” LLC “IC “SOGAZ-Life” OJSC “Gazprombank” > OJSC “Gazprommedstrakh” LLC “Gazprommedservice” founder OJSC “SOGAZ” CJSC “Leader” “SOGAZ” INSURANCE GROUP MEMBERS “SOGAZ” 15 PAGES OF HISTORY

 >> 15th Anniversary WWW.SOGAZ.RU  “SOGAZ” Insurance Group 15 PAGES OF HISTORY MANAGEMENT BOARD OF OJSC “SOGAZ” Annual Report 2007

MANAGEMENT MANAGEMENT OF BOARD “SOGAZ” OJSC Logovinsky Evgueny Ilyich Okhotnikov Viktorovich Serguey Putin Mikhail Evgenievich

>> Deputy Chairman >> Deputy Chairman >> Deputy Chairman of the OJSC “SOGAZ” of the OJSC “SOGAZ” of the OJSC “SOGAZ” Management Board Management Board Management Board on Economics and Finance

Richter Martina Clara Aleshin Dmitrievich Serguey Gabeleva Anna Mikhaylovna Yanov Yanov Eduardovich Vadim

>> Deputy Chairman >> Member of the OJSC “SOGAZ” >> Chief Accountant, of the OJSC “SOGAZ” Management Board, Executive Member of the OJSC “SOGAZ” >> Chairman of the OJSC “SOGAZ” Management Board Director for Staff Management Management Board Management Board MANAGEMENT BOARD OF OJSC “SOGAZ” OF OJSC BOARD MANAGEMENT 15 PAGES OF HISTORY

Bizhdov Datkovich Korney Derevenskov Evgueny Grigoryevich Leonenko Ivanovich Aleksey Nosov Vladimir Mikhailovich Portone Nickolayevna Tatyana

>> Deputy Chairman >> Deputy Chairman >> Deputy Chairman >> Member of the OJSC “SOGAZ” >> Member of the OJSC “SOGAZ” of the OJSC “SOGAZ” of the OJSC “SOGAZ” of the OJSC “SOGAZ” Management Board, Management Board, Management Board Management Board Management Board Executive Director Executive Director on Corporate Activities on IT development

10 >> 15th Anniversary WWW.SOGAZ.RU 11 HIGHLIGHTS OF THE YEAR Annual Report 2007

HIGHLIGHTS OF THE YEAR

<< Insurance of the Federal President Supervision Service Lomakin-Rumyantsev I. V.

>> January >> March

> SOGAZ won a tender for the > A delegation of “SOGAZ” Group, insurance of several enterprises headed by Martina Richter, Deputy of OJSC “RAO “UES of Russia”. Chairman of the Management Board, > The Group won a tender for the visited the Republic of Kazakhstan compulsory health insurance of over as a part of the SOGAZ program for 14 thousand employees of OJSC “Kolsk entering the international market. Mining and Metallurgical Company” > The Group concluded an agreement and its subsidiaries, organized for on insuring the liability of officials and health insurance groups. management body of OJSC “United Machine Building Plants”. Dear colleagues, >> February >> April On behalf of the Federal Insurance Supervision Service, as well as on my own, let > SOGAZ won a tender for the right me express our best wishes on your anniversary. I am glad to see you coming to this date as a united and constantly growing to conclude property insurance > “SOGAZ” Insurance Group was added family, whose contribution to the development of insurance business cannot agreements with OJSC “GAZPROM”, to the register of insurers whose bank be overestimated. its subsidiaries and their employees guarantees are allowed to be accepted With its steady development, integrating new advanced products and implement- in 2007–2011. by customs authorities of the Russian ing new projects, SOGAZ is held in well-deserved respect and loyalty of all the > SOGAZ became the winner of Federation. professional community. tenders for the right to conclude state > The health insurance company The main asset of any financial organization is its credit with clients and part- ners. SOGAZ’s shareholders, management and staff have made significant contracts for insuring the Federal “Gazprommedstrakh”, a member of effort to confirm its stability and positive image. Agency of State Reserves of Volga “SOGAZ” Group, concluded a contract 15 PAGES OF HISTORY I wish your team fruitful work, great success, new professional achievements and Federal District. for compulsory health insurance of realization of challenging ideas. > SOGAZ paid out the plane hull the employees of “Oktyabrsk Railway”, Good luck with any project you undertake. insurance reimbursement a subsidiary of OJSC “Russian Railways”. to FGUP “GTK “Russia” (assignee 13 thousand employees were insured. of FGUAP “Pulkovo”) in the amount > SOGAZ became the winner of a tender President of the Federal Insurance of the full insured value of the Tu-154M for the right to conclude contracts Supervision Service I. V. Lomakin-Rumyantsev aircraft that crashed in Donetsk in the to insure the liability of a number summer of 2006. The reimbursement of the “SIBUR” Group enterprises. amounted to USD 2,500,500.

WWW.SOGAZ.RU 13 01 1993 > of Gas Industry” was registered (registration certificateOn October 25,1993,AOZT “European andAsianInsurance Company series MRP No. 027793).

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19 93 02 1994 > > > and selection ofthecompany’s staff whoare someofthebest qualified inRussia.” “The biggest result andthemainachievement ofthepast year, asIseeit,isthebuildup Insurance Company, attheannualgeneral meetingin1994: Excerpt from thereport presented bySerguey E.Sarkisyan, President ofthe“SOGAZ” the 75thininsurers’ranking. In 1994,thecompanycollectedRUR21billionininsurancepremiums, thusbecoming by theFederalInsuranceSupervisionServiceofRussianFederation. On February4,1994,thecompanyobtainedalicensefor15typesof insurance,issued

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03 TURNING THE PAGES OF HISTORY 1995

> On March 22, 1995, the Moscow Registration Chamber registered Open Joint-Stock Company “Insurance Company of Gas Industry” (OJSC “SOGAZ”), under No. 22793, RP. The company became the legal successor of AOZT “European and Asian Insurance Company of Gas Industry”. > Vladimir S. Denga was appointed General Director of the company. > The volume of the collected premiums amounted to RUR 114.2 billion; the indicator of 1994 was thus multiplied by 5.5. “SOGAZ” Insurance Group 15 PAGES OF HISTORY HIGHLIGHTS OF THE YEAR Annual Report 2007

> A social dialog conference “Nuclear > A new office of the local branch of reinforcement and landscaping of Energy, society, safety” was held; “SOGAZ” Insurance Group was opened the embankment were performed “SOGAZ” Group acted as its general in Tyumen. as a part of preparation for the partner. 450th anniversary of the city. > SOGAZ insured 8 new aircrafts owned >> August by the “Gazpromavia” air carrier. >> May > SOGAZ organized summer vacations > A new office of “SOGAZ” Group was for the children of servicemen who >> November opened in Novy Urengoy. were killed in action, as part of > SOGAZ became the general partner of a charity act held in Volga District of > “SOGAZ” Group managers had the 5th Annual International Insurance the Interior Troops of the Ministry a working visit to the United Kingdom. Conference held by the Russian Union of Internal Affairs of the Russian The delegation included Vadim Yanov, of Insurers. Federation. Chairman of the Management Board, > A Wedding Palace was inaugurated in > “SOGAZ” Insurance Group obtained Korney Bizhdov and Aleksey Leonenko, Astrakhan. “SOGAZ” Insurance Group accreditation at the Central Bank of Vice-chairmen. had financed its restoration as a part of the Russian Federation. > The “Expert RA” rating agency the “National Program for the Support > The Management Board of “SOGAZ” assessed LLC “IC “SOGAZ-Life” and Restoration of the Russian Insurance Group adopted the financial stability rating as A++ Cultural Heritage”. development strategy of the insurance (maximum level of security, positive > SOGAZ insured ten nuclear power company “SOGAZ-Life” up to 2012. prospects). It was the first time stations of FGUP “Rosenergoatom” > The insurance company “SOGAZ-Life” in Russia, when a specialized life concern against fire risks. was the first among the Russian insurance company was given life insurers in terms of insurance a stability rating. premiums collected. > SOGAZ was awarded the first annual >> June prize “Financial Gem of Russia-2007” (Best financial services for citizens / > OJSC “Gazprombank” and “SOGAZ” >> September Best financial retail) in the nomination Insurance Group started a special joint “Best Products in Voluntary Health program for card holders. > The Nadym branch of “SOGAZ” Insurance”. > SOGAZ won an open tender for the Insurance Group concluded right to conclude a state contract a contract of insurance of OJSC for personal accident and sickness “Arktikneftegazstroy” against >> December insurance of the Federation Council construction and installation risks. The members and of the Office of the insurance coverage under this contract > An office of the insurance company Federation Council staff. totaled RUR 2.118 billion. “SOGAZ-Life” was opened in Moscow. > The Group won a tender for the > An office of the Integrated Insurance > The joint applications of two leading right to conclude a state contract Center and Client Service Center of Russian insurers, OSAO “Ingosstrakh” for insuring the Temple-Monument “SOGAZ” Insurance Group was opened and “SOGAZ” Insurance Group, won two on the Blood, dedicated to All Saints at 17, Novocheremushkinskaya Street, open tenders for the right to insure Resplendent in the Russian Land, in in Moscow. seven satellites of FGUP “Space Ekaterinburg. Communication” for RUR 15.3 billion. HIGHLIGHTS OF THE YEAR > Client service centers were opened 15 PAGES OF HISTORY >> October in Tyumen and Ekaterinburg. >> July > The Board of Directors of SOGAZ > Ratios of net income per employee adopted the Development Strategy > The authorized capital of “SOGAZ” and the labor capacity level of “SOGAZ” of the Group up to 2012. Insurance Group was increased from Group were recognized the best among > SOGAZ insured fixed business assets RUR 935,116,500 to RUR 3,085,884,450. leading Russian insurers. of the Russian enterprises of “Evraz > SOGAZ became winner of tenders for > SOGAZ provided insurance against Group”. The total policy limit of SOGAZ the right to insure the public liability of construction and installation risks is USD 24 billion. the executives of OJSC “UGK “TGK-8” for the restoration of the main Volga of OJSC “RAO “UES of Russia”. embankment in Astrakhan. Bank

14 >> 15th Anniversary WWW.SOGAZ.RU 15 STRATEGY of “SOGAZ” Group up to 2012 Annual Report 2007

STRATEGY OF STRATEGY GROUP “SOGAZ” 2012 UP TO

<< Nuclear of the Federal President Agency Energy Kirienko S.V.

Last year was marked with a significant success in the development of the Insurance Group. The highlights of the year include, undoubtedly, the summarizing of the Strategy for 2005–2007 and development of the new Strategy of the Group for 2008–2012. This new strategy is based on a careful analysis of the “SOGAZ” Insurance Group’s achievements in the last years, with due regard to the development of the insurance market as a whole, as well as of different types of insurance. General financial, economical and political situation in Russia has also been taken into consideration.

Dear friends, The main goal of SOGAZ is to achieve, by 2012, steady leader- Let me congratulate you ship on the insurance market with a 10% share for all types of on the 15th anniversary insurance (the present market share being 7.5%), which will enable it to become the undisputed leader of the sector. This of “SOGAZ” Insurance Group. objective is more difficult to meet than it may seem, as the an- nual market growth totals nearly 20%, i.e. almost doubles every Today SOGAZ is an insurance company of a new type, which at the same time 4 years. keeps its traditions. The Group’s strategic goals are in complete conformity with The high reputation of the Group has made it, over all these years, a trustwor- thy and reliable partner of the Russian nuclear industry. its mission, according to which SOGAZ will continue, in the next I am confident that your knowledge and experience will always remain a solid five years, expanding as a diversified insurer, oriented towards base for pursuing the most challenging objectives. the needs of the leading industries and those of individuals. The reserves of SOGAZ’s business growth lay within the field 15 PAGES OF HISTORY of insuring big groups as well as medium companies; the lat- ter are becoming more and more important for the economy every year. In accordance with the Strategy, the Group intends to pay special attention to the fuel and energy complex enter- prises that have never been among its targets before, but also President of the Federal Nuclear to enterprises belonging to other sectors, such as shipbuilding, Energy Agency S.V. Kirienko aircraft, heavy industry (including the military industrial com- plex), highway construction etc. Therefore, the diversification of the client base is an essential strategic objective of the Group for the immediate future. Special focus shall be on laying down

WWW.SOGAZ.RU 17 04 1996 > > The company hascontinued itsdynamicgrowth.” into atragedy for somecompanies have notsignificantly influenced SOGAZ. on classic insurance principles, sotheabove mentioned factors thatturned From the very beginning, “SOGAZ” Insurance Company has based its activities follow therequirements of Rosstrakhnadzor andlost theirlicenses. in minimizingtax deductionsonwages were liquidated… others didnot for the insurance market. Many insurance companies that had“1996 specialized has been a rather difficult year, and not only forat theannualgeneral meetingin1996: RAO Gazprom, but also Excerpt from thereport byVladimirS.Denga,General Director, presented coverage oftheirenterprises’ property. joint-stock companies ofRAO were charged withproviding insurance of insurance business inRAO Gazprom”, thedirectors ofsubsidiariesand By the decree of the Management Board of RAO Gazprom “On the development

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> The number of types of insurance coverage licensed by OJSC “SOGAZ” increased up to 37, while the number of concluded insurance contracts increased from 21 thousand to 54.9 thousand. > The total scope of liability of OJSC “SOGAZ” amounted to over RUR 20 trillion. > Excerpt from the report by Vladimir S. Denga, General Director, presented at the annual general meeting in 1997: “The rating is a relative indicator. If we wanted to head it as rapidly as possible, we could have insured any risks, created numerous subsidiaries, insured risky financial transactions. Our concept is to create a company that would have the reputation of a reliable, stable and trustworthy partner.”

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> Excerpt from the report of the audit commission, May 19, 1999: “In 1998, the “SOGAZ” Insurance Company lost RUR 4.746 million due to the national financial crisis, as well as to the creation of a provision for the depreciation of securities… The data provided by the performed financial calculations let us confirm the company’s liquidity and responsibility.” “SOGAZ” Insurance Group 15 PAGES OF HISTORY STRATEGY of “SOGAZ” Group up to 2012 Annual Report 2007

2012

Main figures of “SOGAZ” Insurance Group’s Strategy for 2008–2012” Type of insurance Premiums, billion roubles Share in the portfolio, % Property insurance 55 57.3 Liability insurance 6 6.3 2008 2009 2010 2011 2012 Personal insurance, except life insurance 25 26.0

Life insurance 7 7.3 Insurance premium (compulsory health Compulsory insurance, insurance not included), billion roubles 40.5 49.2 60.3 76.6 96.0 except compulsory health insurance 3 3.1 Own funds, billion roubles 11.3 14.6 19.1 24.9 2.1 TOTAL 96 100

and implementing integrated programs of risk management vice means solving financial problems of the insured in case of and of insuring federal programs and projects. a loss occurrence; an insurance company is judged mostly by The key role in the insurance premium growth shall belong the quality of this service. The creation of a high quality, reli- to the regional network of the Group, which consists today able and accessible insurance service is the foundation for the of over 450 subdivisions almost in every part of Russia. The strengthening of SOGAZ trademark and its image. Strategy provides for the development of an integrated sales At present, SOGAZ is managed by one of the best profes- network within the Insurance Group, as well as the dynamic sional teams of the Russian insurance market. It is well known development of life insurance. that the main asset of any company is its staff. This is why hu- All the companies that are members of the Group and have man resources policy is also among the top priorities of the their priorities according to their specialty, precisely stipulated Strategy. in the general strategy of business development, shall act as The objective of IT development in the Insurance Group a whole, with orientation towards the progressive achievement deserves special mentioning. An additional complex, multidi- of the stated objectives. At the same time, the goal of optimiz- mensional and multistage development strategy is thus pro- ing the insurance portfolio shall be gained. vided; it allows for support of all the lines of business of the Another business segment that is in the focus of the Strate- Insurance Group, taking into consideration particular needs of gy is reinsurance. In the next five years SOGAZ intends to fortify some equipment and capabilities of the most advanced tech- its position of the leading Russian reinsurer. nologies. There is also place in the Strategy for the objective of enter- ing the international insurance market. Among the priorities put forward for the next five years is to start vigorous activity on insurance markets abroad. By 2012, the part of international business in the structure of the insurance portfolio of SOGAZ shall be at least 5%. STRATEGY of “SOGAZ” Group up to 2012 up to Group of “SOGAZ” STRATEGY One of the strategic objectives is to ensure high profitability 15 PAGES OF HISTORY and long-term financial stability. The necessity of efficient -al location of financial resources is evident for a company oper- ating in any industry, but an insurance company is especially dependent on investments. Their efficiency determines finan- cial stability. To create an optimized investment portfolio, the investment strategy of the Group was designed. As for profit- ability, it is achieved mainly by cost optimization. Among the most urgent strategic objective faced by “SOGAZ” Insurance Group are: the improvement of quality of insurance services and optimization of claim handling. An insurance ser-

18 >> 15th Anniversary WWW.SOGAZ.RU 19 KEY RESULTS OF OPERATION OF “SOGAZ” GROUP in 2007 Annual Report 2007

KEY RESULTS KEY RESULTS OF OPERATION OF “SOGAZ” GROUP IN 2007

<< “NK “Rosneft” of OJSC President Bogdanchikov Serguey

In 2007, insurance, with its positive dynamics, still remained one of the most rapidly growing and promising branches of the Russian economy. Last year the market volume totaled nearly RUR 776 billion, which ensured market growth of 27.1% as compared to the previous year (in 2006, growth rate was 24.5%). Furthermore, the insurance market has not only significantly expanded over the last year, but has also undergone qualitative changes.

Against the market expansion, the figures shown by one of the leaders of the domestic insurance market, “SOGAZ” Group, Dear colleagues and friends, are the most impressive achievement. In the last three years “SOGAZ” Group developed with an average insurance premium growth rate at 66.3%. It allowed the Group to increase its market Please accept my most sincere wishes on the 15th anniversary of “SOGAZ” Insurance share to 7.3%. Group. Insurance business, being an integral part of steady economic growth all over Russia’s leading insurance companies in 2007 (groups included) Source: Federal Insurance Supervision Service the world, has also become more and more important for the Russian economy through the last years. It is, so to say, a stability voucher of companies operat- Place Name Premiums, Share of insurance type in portfolio, % ing in different industries and branches. “SOGAZ” Group is the leader in this billion roubles Life Personal Property Liability Compulsory civil Compulsory field; it enjoys respect and trust of its clients and partners. insurance insurance insurance insurance liability insurance health of vehicle owners insurance We sincerely hope that our cooperation will develop, remaining efficient and mu- tually beneficial. 1 ROSGOSSTRAKH 61.4 1.3 5.8 42.0 0.7 1.7 14.8 I wish you success, new projects, prosperity in your business activity. 2 Allianz-Rosno 57.5 0.7 14.0 22.3 1.5 6.2 55.3 3 SOGAZ 56.9 8.0 20.4 2.1 2.4 1.6 5.6 15 PAGES OF HISTORY 4 MAKS 48.0 0.0 2.0 11.8 1.1 .0 82.0 5 INGOSSTRAKH 46.5 0.3 10.6 51.3 5.6 9.4 22.0 6 RESO 37.3 1.2 13.0 52.7 2.7 16.1 14.3 7 KAPITAL STRAKHOVANIE 29.8 0.8 5.9 25.3 1.5 0.6 66.0 President of OJSC “NK “Rosneft” 8 URALSIB 18.9 1.6 9.0 2.0 1.3 12.1 40.6 Serguey Bogdanchikov 9 VSK 18.0 1.9 12.2 54.6 4.2 13.1 0.3 10 SPASSKIE VOROTA 15.7 0.0 4.4 16.9 1.3 13.7 63.6

WWW.SOGAZ.RU 21 07 1999 > of itscommunicationsatellites“Yamal”. protection allowedittofullyreimburseOJSC“Gazprom”fortheloss ofone insurance: itamounteduptoUSD50.5million.Thereliablereinsurance SOGAZ madeoneofthebiggestpaymentsinhistorymodern Russian

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> SOGAZ paid RUR 780 million in insurance indemnity, related to gas transit through Ukraine (due to unauthorized withdrawal of exported gas). In that year, OJSC “SOGAZ” became the absolute leader in terms of indemnities paid, which totaled RUR 2.9 billion. Once more, the company proved its reliability and trustworthiness. > OJSC “SOGAZ” became the 9th on the market in terms of premiums collected. > OJSC “Gazprommedstrakh” became the 4th, having collected RUR 1.2 billion in insurance premiums.

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> The company developed and introduced a program of long-term (savings) life insurance at its own expense, targeting mostly gas industry employees. “SOGAZ” Insurance Group 15 PAGES OF HISTORY KEY RESULTS OF OPERATION OF “SOGAZ” GROUP in 2007 Annual Report 2007

Russia’s leading insurance companies in 2007 Source: Federal Insurance Supervision Service Chart 1. Insurance premiums (billion roubles) Chart 2. Market share of “SOGAZ” Group Place Name Premium, Share of insurance type in portfolio, % of “SOGAZ” Group for personal insurance for property insurance (except liability billion roubles (except life insurance), 2004–2007 insurance), 2004–2007

Life Personal Property Liability Compulsory civil insurance insurance insurance insurance liability insurance of vehicle owners

12 7% 6.6 11.6

1 INGOSSTRAKH 5.1 7.2 12.6 67.6 7.3 12.5 6.2 6% 2 RESO-GARANTIA 1.9 6.6 15.1 61.6 .1 18.8 10 9.4 3 SOGAZ 29.6 6.1 7.6 55.7 4.0 2.7 5% 8 7.5 4.1 4 ROSNO 23.1 4.7 29.4 51.8 .5 15.2 4%

5 VOENNO-STRAKHOVAYA KOMPANIA 17.7 3.6 12.3 55.8 4.3 13.4 6 5.9 3% 2.8

6 ROSGOSSTRAKH-STOLITSA 11.8 2.4 8.0 66.9 1.6 23.4 4 2% 7 SOGLASIE 10.7 2.2 6.8 79.4 .2 10.5 8 ALFASTRAKHOVANIE 10.5 2.2 12.0 71.5 .0 13.4 2 1%

9 KAPITAL STRAKHOVANIE 9.8 2.0 16.7 77.0 4.5 1.8 > > > > 0 0% > > > > 2004 2005 2006 2007 2004 2005 2006 2007 10 URALSIB 9.6 2.0 17.5 62.9 2.5 17.0 Source: Federal Insurance Supervision Service Source: Federal Insurance Supervision Service

Such an excellent result was possible thanks to the dynamic Personal insurance development of all the member companies of the Group. The (except life insurance) parent company of the Group, OJSC “SOGAZ”, has certainly Over the past several years, “SOGAZ” Insurance Group has re- played the leading role in this success; it is a universal corporate mained the absolute leader in this type of insurance. To keep insurer, providing financial protection for nearly all the back- this position, the Group has to increase premium income every bone Russian enterprises. Today, OJSC “SOGAZ” counts among year. In 2007, it collected over RUR 11 billion of personal insur- its clients such companies as Gazprom, Gazpromneft, Rosneft, ance premiums (see Chart 1). In 2004–2007, the market share Russian Railways, Rosatom, TNK-BP Holding, Evraz Group and of SOGAZ in this segment increased from 11.2% to 12.9%. others. During the last three years alone OJSC “SOGAZ” has increased its annual premium income by 39.9% on average, while the aver- Property insurance age market growth rate (except compulsory health insurance) (except liability insurance) amounted to 9.7%. Property insurance is traditionally the largest segment of the As for financial indicators of SOGAZ by type of insurance, its Russian insurance market. Despite the considerable growth success is also evident. rate of the property insurance market, the insurance income of The most successful field for “SOGAZ” Group was voluntary “SOGAZ” Group is growing at an even higher rate. insurance. In the property insurance segment “SOGAZ” Insurance Group As a result of the efficient implementation of strategic goals is also among the leaders: it occupies the 4th place in the rank- and objectives, the Group became the leader on the voluntary ing of the biggest insurance groups. The average annual pre- insurance market, which allowed it to increase its market share mium income growth rate of “SOGAZ” Group in the past three in this segment up to 8.8%. years amounted to 63.5%. In the same period, property insur- In 2004–2007, the insurance premium of the Group grew by ance on the Russian insurance market showed a growth rate 48.1% on average annually, while the average voluntary insur- of 21.5%. Thanks to its anticipatory growth, “SOGAZ” Insurance KEY RESULTS OF OPERATION OF “SOGAZ” GROUP in 2007 OF “SOGAZ” OF OPERATION KEY RESULTS ance market growth rate totaled 9.2% in the same period. Group has increased its market share every year. In 2004– 15 PAGES OF HISTORY This achievement was due to the robust development of all 2007, the market share of the Group grew from 2.8% to 6.6% the segments of voluntary insurance, provided by the Group: (see Chart 2). personal insurance, property insurance, liability insurance and life insurance.

22 >> 15th Anniversary WWW.SOGAZ.RU 23 “SOGAZ” Insurance Group 15 PAGES OF HISTORY KEY RESULTS OF OPERATION OF “SOGAZ” GROUP in 2007 Annual Report 2007

Chart 3. Insurance premiums of IG ”SOGAZ” for Chart 4. Market share of the LLC “IC “SOGAZ-Life” Chart 5. Market share of OJSC “Gazprommedstrakh” liability insurance (except compulsory civil liability for life insurance, 2004–2007 for compulsory health insurance, 2004–2007 insurance of vehicle owners), 2004–2007

1400 1,361 25% 25,000 1,259 20,225 1200 20% 19.9 20,000 1000 15,506

15% 15,000 800 682

600 8,628 10% 7.3 10,000 6.5

400 351 5% 5,000 200 1,605 0.2

0 0% > > > 0 2004 2005 2006 2007 2004 2005 2006 2007 2004 2005 2006 2007

Source: Federal Insurance Supervision Service Source: Federal Insurance Supervision Service Source: Federal Insurance Supervision Service

Liability insurance Compulsory Liability insurance, as well as life insurance, is one of the most health insurance unpredictable segments of the Russian insurance market. The In 2007, compulsory health insurance in Russia showed the premium income growth rate in this segment can vary from biggest growth rate, coming ahead of property insurance. In the year to year, either raising or falling. Despite the instability of past three years the compulsory health insurance market has the liability insurance market, “SOGAZ” Group has been pro- grown by more than 40%, which is the highest indicator of the gressively improving its position in this segment (see Chart 3). insurance market. While in 2004 SOGAZ was only the fourth among the major in- The member of “SOGAZ” Group that specializes in compulsory surance groups, in 2007 it has moved up to the second place. health insurance, is OJSC “Gazprommedstrakh”, the leader on The market share of the Insurance Group has grown from 2.9% the compulsory health insurance market in Russia. Premiums to 6.7% in the same period. collected in 2007 totaled over RUR 20 billion and multiplied more than by 12, if compared to those of 2004 (see Chart 5). In 2004–2007, the average premium income growth rate of the Life insurance company amounted to 182.5% (the average growth rate of the Life insurance is the most promising segment of the insurance compulsory health insurance market being 44.0%). Almost 10 market. This is why almost all insurers, Russian and foreign, million people were insured in 2007 under contracts for com- do their best to find their niche in it. But, according to the re- pulsory health insurance. Such dynamic development took the quirements of the Law on Insurance, many companies had to company from the 11th to the 3rd place and gave it 7.0% of the choose between life insurance and insurance other than life compulsory health insurance market. insurance. Major players of the insurance market solved this problem by creating subsidiaries for providing life insurance as well. That was also the decision of SOGAZ: in 2004 it cre- ated LLC “IC “SOGAZ-Life”. At that moment, the company was KEY RESULTS OF OPERATION OF “SOGAZ” GROUP in 2007 OF “SOGAZ” OF OPERATION KEY RESULTS the 34th on the life insurance market. However, owing to the 15 PAGES OF HISTORY precise implementation of the approved development strategy, SOGAZ-Life headed the list in 2007, having occupied almost 20% of this segment (in 2004 its market share was only 0.2%). Thus, the life insurance market share of LLC “IC “SOGAZ-Life” has multiplied more than by 20 in four years (in 2004–2007; see Chart 4).

24 >> 15th Anniversary WWW.SOGAZ.RU 25 “SOGAZ” Insurance Group 15 PAGES OF HISTORY KEY RESULTS OF OPERATION OF “SOGAZ” GROUP in 2007 Annual Report 2007

Today, “SOGAZ” Group has a strong market position and is one of the a growth of business scale, especially among non-affiliated leaders on the Russian market for property insurance and liability clients.” insurance, as well as for personal insurance and life insurance. This rating is an important step on the way to an important strategic objective of the Group — joining the international market and participating in important international projects. Besides, the rating gives more weight to the company on the do- Analysts believe that SOGAZ’s capitalization has been con- mestic market and proves the good reputation of the “SOGAZ” tinuously improving over the past three years due to internal Insurance Group in the business community. sources and, for the time being, remains sufficient for main- taining the rapid growth of the Group. In 2007, the equity funds of SOGAZ increased by 34% owing to profits generated by the securities portfolio held for sale. The Group is committed to the policy of maximum openness and financial transparency with its clients, shareholders and partners. SOGAZ was one of the first Russian insurers that ac- complished the transition to international standards of finan- cial reporting. The reinsurance policy of the Group is oriented toward co- operation with such recognized leaders of the market as Mu- nich Re, Swiss Re, SCOR and Lloyds of London. The stability of SOGAZ is confirmed by independent market analysts and ex- perts. The major Russian rating agency “Expert RA” assessed the rating of all the insurance companies of the Group as A++ KEY RESULTS OF OPERATION OF “SOGAZ” GROUP in 2007 OF “SOGAZ” OF OPERATION KEY RESULTS (maximum level of security, positive prospects). 15 PAGES OF HISTORY In the beginning of 2008, the International Rating Agency “Fitch Ratings” has assigned OJSC “SOGAZ”, a key member of “SOGAZ” Insurance Group, an international financial stability rating BB and a national financial stability rating AA-. The fore- cast on the ratings is Steady. According to the representatives of Fitch Ratings, this rating indicates “good performance of insurance business and capital adequacy, as well as a strong market position of SOGAZ and

26 >> 15th Anniversary WWW.SOGAZ.RU 27 SOCIAL ACTIVITIES OF “SOGAZ” GROUP Annual Report 2007

Archbishop Vereysky, Vereysky, Archbishop SOCIAL OF ACTIVITIES GROUP “SOGAZ”

<< Evgueny, Committee of the Education President Church, Orthodox of the Russian Seminary of the Moscow Rector

Being one of the biggest financial organizations in Russia, “SOGAZ” Insurance Group is actively involved in different spheres of social life, contributing to the nation’s dynamic growth and prosperity. Regional charity projects implemented by SOGAZ always become bright and memorable events, attracting special attention of mass media and of general public, as well as of the local authorities.

Revival of cultural values

At the end of 2006, “SOGAZ” Group developed the “National Pro- Dear brothers and sisters, gram for the Support and Restoration of Russian Cultural and Spiritual Heritage”. Since that, large-scale program started, SOGAZ has already financed the restoration of several archi- Let me congratulate you on the 15th anniversary of “SOGAZ” Insurance Group. tectural monuments of great historic value in different parts Nowadays, the Russian society not only keeps an eye on political and economi- cal situation in the country, but is also more and more interested in religion. of Russia. Among them are the Radishchev State Museum in The expansion of theological education is one of the most important objectives Saratov and the famous Tsar Palace in Svyato-Troitskaya Ser- faced by the Russian Orthodox Church. I hope that with God’s help and support giyeva Lavra. of those, who recognize the importance of theological education not only for SOGAZ made a present to the citizens of Astrakhan. In was the Church, but for all the Russian society as well, we shall do it. I would espe- in this city that, at the end of May 2007, the restored Wedding cially like to mention the assistance that “SOGAZ” Insurance Group is lending to the Moscow Seminary. Palace, a unique piece of architecture, was inaugurated. An- Your company can be particularly proud of its active charity work, aimed at sup- other present offered by SOGAZ to the citizens of Astrakhan porting Russian culture, preservation of Russian heritage both in Russia and was a light fountain, built to adorn the territory adjoining the 15 PAGES OF HISTORY abroad. Palace. I am convinced that our collaboration will strengthen and involve new fields of interaction. God may stay with you in all your ways while you are acting for the prosperity of your motherland and of the Russian Orthodox Church.

With respect and the best wishes,

Evgueny, Archbishop Vereysky, President of the Education Committee of the Russian Orthodox Church, Rector of the Moscow Seminary

WWW.SOGAZ.RU 29 10 2002 > > > > the 16th,and7thfor insurance otherthanlife insurance. In terms of the total amount of collected insurance premiums, SOGAZ became Important market contracts were concluded with such companies as TNK-BP. of thecompany. of SOGAZ wasdeveloped, inaccordance withthepositioningandmission As partofthestrategy for entering theopenmarket, thecorporate style occupied thepositionofFinancialDirector (Deputyfor FinancialMatters). In July 2002, the company was headed by Aleksey E. Olshansky who formerly

TURNING THE PAGES

OF HISTORY

20 02

20 03

11 TURNING THE PAGES OF HISTORY 2003

> Evgeny G. Leskin was appointed General Director of OJSC “SOGAZ”. > OJSC “Gazprommedstrakh” became a member of the “SOGAZ” Insurance Group; its objective was defined as developing compulsory health insurance as a part of the Group. > LLC “Gazprommedservice” was created to provide healthcare for the Group’s clients. > The “Expert RA” rating agency assigned OJSC “SOGAZ” the highest stability rating A++ for the first time.

20 04

12 TURNING THE PAGES OF HISTORY 2004

> SOGAZ obtained a licence issued by the Federal Security Service for performing work related to the usage of state secrets. > IC “SOGAZ-Life”, a company specializing in life insurance, was registered. > An integrated program for insuring individuals was developed. > SOGAZ became an official partner of the Russian boxing team. > The total volume of premiums collected amounted to RUR 11.9 billion. “SOGAZ” Insurance Group 15 PAGES OF HISTORY SOCIAL ACTIVITIES OF “SOGAZ” GROUP Annual Report 2007

Caring for the youth Participation in the priority national project “Health”

A traditional orientation of the “SOGAZ” Group social policy is Participation in implementing the priority national project supporting the youth, helping children from the pauperized “Health” is one of the areas of the Group’s social activities. sections of population. In particular, “SOGAZ” Insurance Group is implementing the Over several years, “SOGAZ” Group has been helping by program of diagnostic equipment modernization in regional financing the regional charity social fund “Illustrated Books medical institutions of Russia as a part of the said program. for Small Children”. The resources allocated by the Group are In 2007, high capacity universal diagnostic systems with committed to buying books specially designed to teach blind the advanced technology of four-dimensional supersonic vi- children to read and write. sualization “Sonoline G60S Cardio” were installed in regional Besides, SOGAZ regularly finances children’ homes in the health centers. The units, each over 8 million roubles worth, regions of Tomsk, Nizhny Novgorod, Astrakhan, Orenburg, Ufa were provided by the Interregional Social Fund for the Devel- and others. opment of the Public Health Service. SOGAZ pays particular attention to the support of talented For the time being, four Russian regions have already be- children and teenagers. For several years now, the Group come members of the charity program implemented with the has been a partner of the charity project of all Russia “Child’s - units were installed in Vyzhletsov regional child health clinic Voice”. It includes composition, drawing and photograph con- in Arkhangelsk, in the regional child clinic hospital in Vladimir, tests for school children in different regions of the country. in the municipal hospital No.2 in Salavat (Republic of Bashkor- In August 2007, “SOGAZ” Insurance Group took part in the tostan), in the regional oncologic dispensary in Ivanovo. act of charity “Children of War” and financed summer vaca- tions of children of servicemen of the Volga District of the In- ternal Troops of the Ministry of Internal Affairs of Russia, who were killed in action. SOCIAL ACTIVITIES OF “SOGAZ” GROUP OF “SOGAZ” SOCIAL ACTIVITIES 15 PAGES OF HISTORY

30 >> 15th Anniversary WWW.SOGAZ.RU 31 “SOGAZ” Insurance Group 15 PAGES OF HISTORY SOCIAL ACTIVITIES OF “SOGAZ” GROUP Annual Report 2007

Besides, as a part of the “Health” project, the Group was Supporting Russian Sports the initiator and one of the developers of the target program “Development and consolidation of the logistics of the primary Traditionally, SOGAZ greatly supports national amateur and segment of the public health system and improving of the or- professional sports. ganization of the medical care in the Liman District, the Astra- As part of the program “Gazprom to children”, SOGAZ par- khan Region”. The allocated funds were spent to repair and re- ticipated in financing the construction of the sports and con- store buildings of the regional health institutions, to purchase cert complex “Salavat”, inaugurated on the occasion of the furniture, fit the health centers with medical equipment and 450th anniversary of Bashkiria voluntary joining Russia. The tools, and develop information systems. stands have 1,350 seats, and the scene can be transformed Throughout the year, “SOGAZ” Group organized over ten semi- into a concert hall that would house 2,500 spectators. nars and scientific practical conferences on health problems, The Group acted as the general partner of a sports and dedicated to improving medical care service, main aspects of outreach expedition in the Altai Mountains that took place on preventive and follow-up care in the modern focus. Nearly one July 19 – August 5, 2007. The expedition was organized on thousand physicians and superintendents of medical estab- the occasion of the 100th anniversary of an outstanding Rus- lishments from different parts of Russia took part in them. sian scientist, Serguey Pavlovich Korolyov. The goal was to climb, for the first time in history, the unnumbered mountain, at 4,000 meters of altitude. The mountain was given the name of S. Korolyov. Since March 2007, SOGAZ is an official partner and insurer of the club “Gazprom’s Torch” of Orenburg, a three-time cham- pion of Russia in ping-pong and a prizewinner of international competitions. In 2007, SOGAZ became an official partner and insurer of SOCIAL ACTIVITIES OF “SOGAZ” GROUP OF “SOGAZ” SOCIAL ACTIVITIES the Saint Petersburg basketball club “Spartak “ that plays in 15 PAGES OF HISTORY the Russian basketball super league. In 2007 as well, the Group became an official partner and insurer of the soccer club “Zenith”, a champion of Russia and a UEFA cup winner. SOGAZ provided insurance coverage of the players (including the backup body), the coach staff and the maintenance personnel of FC “Zenith”. Besides, the company “Gazprommedservice”, a member of “SOGAZ” Group that spe- cializes in medical services, performs medical tracking of all the domestic and guest matches.

32 >> 15th Anniversary WWW.SOGAZ.RU 33 CONSOLIDATED BALANCE SHEET OF “SOGAZ” INSURANCE GROUP Annual Report 2007

CONSOLIDATED CONSOLIDATED SHEET BALANCE OF “SOGAZ” INSURANCE GROUP

<< Railways” “Russian of OJSC President Yakunin V.I.

ASSETS 2006 2007

I. Assets

Intangible assets 1,059,809 1,196,653 Including: Business reputation 1,059,195 1,195,957

Investments 15,812,783 27,269,205 Including: Land plots – – FOR THE YEAR'S END (in thousands of RUR) Facilities 36,334 45,904 Financial investments in subsidiary, affiliate and other organizations 8,365,908 13,789,665 Including: > shares of subsidiaries and affiliates – – Dear friends and colleagues, > debt securities of subsidiaries and affiliates and loans issued thereto – – On behalf of the Management Board of OJSC “Russian Railways” as well as on my > investments in authorized own behalf, I am expressing our best wishes on your 15th anniversary. (share) capitals of subsidiaries To operate in the insurance sphere means to grow and to develop in one of and affiliates 17 7 the most dynamic areas of today’s business, using advanced technologies and > shares of other organizations 4,095,372 7,479,918 projects to help solving one’s clients’ problems. > debt securities of other organizations The main condition needed to succeed is working in a team of professionals speak- and loans issued thereto 4,253,974 6,292,163 ing the same language and being enthusiastic about the same ideas. In 15 years, > investments in authorized (share) you have proved that we have such a team – you have proved your professionalism capitals of other organizations 281 281 > cost estimate of the parent and reliability and confirmed your impeccable business reputation. company’s ownership interest I sincerely wish you less hard work and more excitement, new bright ideas. Let in affiliate companies 16,264 17,296 15 PAGES OF HISTORY your regular clients become your true friends, your most challenging dreams become plans and plans easily become reality! Other investments 7,410,541 13,433,636 Be always happy with your achievements! Including: Government and municipal securities 1,964,348 3,233,410 Deposits 4,413,146 8,106,846 Other investments 1,033,047 2,093,380

Ceding insurers’ premium deposits – – President of OJSC “Russian Railways” V.I. Yakunin Reinsurers’ share in insurance reserves 2,440,357 2,977,481 Including: In life insurance reserves 928 3,670 In unearned premium reserve 1,730,842 1,397,408 In loss reserves 708,587 1,576,403

WWW.SOGAZ.RU 35 “SOGAZ” Insurance Group 15 PAGES OF HISTORY CONSOLIDATED BALANCE SHEET OF “SOGAZ” INSURANCE GROUP Annual Report 2007

ASSETS /table continued/ 2006 2007 LIABILITIES /table continued/ 2006 2007

Accounts receivable under insurance, III. Insurance reserves coinsurance operations 3,757,982 5,360,537 Including: Life insurance reserves 3,716,880 5,957,675 Insured parties 2,755,916 4,828,695 Unearned premium reserve 10,243,530 13,587,102 Insurance agents 5,123 7,294 Loss reserves 4,386,840 7,498,475 Other debtors 996,943 524,548 Other insurance reserves 4,076,843 6,202,732 Reserves for compulsory Accounts receivable health insurance 1,091,371 1,179,698 under reinsurance operations 217,274 921,318 FOR THE YEAR'S END (in thousands of RUR) FOR THE YEAR'S END (in thousands of RUR) Other accounts receivable due Total Section III 23,515,464 34,425,682 beyond 12 months following the reporting date 50,484 37,541 IV. Liabilities Other accounts receivable due within 12 months following Debt under premium deposits the reporting date 4,306,279 3,120,361 to reinsurers – – Fixed assets 620,445 911,246 Long-term loans and credits 700,000 700,000 Construction in progress 130,629 71,097 Deferred tax liabilities 468,587 590,417 Deferred tax assets 9,919 10,285 Short-term loans and credits 661,531 – Inventory 175,176 294,734 Accounts payable under insurance, Including: coinsurance operations 629,405 850,063 Materials and other equivalent valuables 14,713 35,890 Including: Prepaid expenses 152,303 258,844 Insured parties 407,824 251,306 Other inventory and costs 8,160 – Insurance agents 112,739 300,555 Other creditors 108,842 298,202 Value-added tax on acquired valuables 1,820 13,740 Monetary funds 7,914,894 8,930,078 Accounts payable under reinsurance Other assets 444,338 265,931 operations 897,807 527,455 Other accounts payable 1,680,480 3,432,477 Total Section I 36,942,189 51,380,207 Including: Debt to the company’s personnel 2,785 5,684 TOTAL ASSETS 36,942,189 51,380,207 Debt to state non-budget funds 2,517 2,699 Taxes and dues payable 647,120 393,389 Other creditors 1,028,058 3,030,705

Income due to participants (founders) – – Deferred revenues 4,692 31,561 LIABILITIES 2006 2007 Provisions for costs to be incurred 8,171 8,626 Provisions for preventive activities 296,474 262,746 II. Equity and reserves Other liabilities 28,858 17,625

Authorized capital 935,117 3,085,884 Total Section IV 5,376,005 6,420,970 Own shares redeemed from shareholders (70) – Additional capital 133,002 139,248 TOTAL LIABILITIES 36,942,189 51,380,207 Reserve capital 76,338 92,690

CONSOLIDATED BALANCE SHEET OF “SOGAZ” INSURANCE GROUP BALANCE SHEET OF “SOGAZ” CONSOLIDATED Including: 15 PAGES OF HISTORY Reserves formed as per law 76,338 5,032 Reserves formed as per founding documents – –

Retained earnings (uncovered loss) 6,321,711 6,683,344

Total Section II 7,466,098 10,001,166

Minority holding in equity 584,622 532,389

36 >> 15th Anniversary WWW.SOGAZ.RU 37 “SOGAZ” Insurance Group 15 PAGES OF HISTORY INCOME STATEMENT OF “SOGAZ” INSURANCE GROUP Annual Report 2007

INCOME STATEMENT OF “SOGAZ” INSURANCE GROUP

CERTIFICATE of valuables recorded on off-balance sheet accounts 2006 2007 INCOME STATEMENT 2006 2007

Leased fixed assets 272,004 901,681 I. Life insurance Including under lease 19,156 319,984 Insurance premiums (contributions) — net reinsurance 2,126,583 3,147,420 Goods and material valuables in custody 12 2 Insurance premiums (contributions) — total 2,132,077 3,162,378 Indebtedness of insolvent debtors Transferred to reinsurers (5,494) (14,958) charged to losses 19,924 28,850 Security of obligations and payments, received 2,152,806 3,758,579 Income from investments 2,241,558 5,525,478 Security of obligations and payments, issued 93,315 257,685 Of which: Impairment of residential property – FOR THE YEAR'S END (in thousands of RUR) Interest receivable 282,398 280,986 FOR THE YEAR'S END (in thousands of RUR) Impairment of redevelopment Income from participating in other organizations 3,138 7,893 and equivalent facilities – Change in the cost of financial investments Intangible assets received 303 9,632 due to evaluation adjustment 148,071 230,719 Facility for restoration 79,323 987 Payments under insurance contracts — net reinsurance (787,109) (1,008,508) Payments under insurance contracts — total (789,245) (1,012,822) Reinsurers’ share 2,136 4,314

Change in life insurance reserves — net reinsurance (1,462,101) (2,238,053) Change in life insurance reserves — total (1,462,904) (2,240,795) Change in reinsurers’ share in reserves 803 2,742

Expenses on conducting insurance operations — net reinsurance (24,540) (42,997) Expenses on signing insurance contracts (15,997) (29,092) Other expenses on conducting insurance operations (8,543) (13,905) Remuneration and share of profits CONSOLIDATED BALANCE SHEET OF “SOGAZ” INSURANCE GROUP BALANCE SHEET OF “SOGAZ” CONSOLIDATED 15 PAGES OF HISTORY under reinsurance contracts – –

Investments expenses (1,791,269) (5,130,239) Of which: Change in the cost of financial investments due to evaluation adjustment (38,368) (202,640)

Result from life insurance operations 303,122 253,101

38 >> 15th Anniversary WWW.SOGAZ.RU 39 “SOGAZ” Insurance Group 15 PAGES OF HISTORY INCOME STATEMENT OF “SOGAZ” INSURANCE GROUP Annual Report 2007

INCOME STATEMENT /table continued/ 2006 2007 INCOME STATEMENT /table continued/ 2006 2007

II. Insurance other than life insurance Management expenses (2,624,937) (3,547,411) Other income excluding income Insurance premiums — net reinsurance 22,495,620 29,103,492 related to investments 3,085,165 2,950,429 Insurance premiums (contributions) — total 25,988,775 32,544,961 Of which: Transferred to reinsurers (3,493,155) (3,441,469) Interest receivable 30,904 140,497

Change in unearned premium reserve — Other expenses excluding expenses net reinsurance (3,656,339) (3,675,989) related to investments (1,661,768) (2,390,357) Change in unearned premium reserve — total (4,728,143) (3,297,050) FOR THE YEAR'S END (in thousands of RUR) Of which: FOR THE YEAR'S END (in thousands of RUR) Change in reinsurers’ share in reserve 1,071,804 (378,939) Interest payable (64,990) (119,451)

Incurred losses – net reinsurance (11,977,209) (15,564,792) Capitalized income 6,822 1,032 Payments under insurance contracts — Pre-tax income (loss) 4,518,724 4,600,668 net reinsurance (10,450,685) (13,320,973) Deferred tax assets 4,564 366 Payments under insurance contracts (10,602,871) (14,249,682) Deferred tax liabilities (227,681) (121,830) Reinsurers’ share 152,186 928,709 Current tax on income (975,972) (1,181,661)

Change in loss reserves — net reinsurance (1,526,524) (2,243,819) Net income (loss) in the reporting period 2,985,633 3,134,419 Change in loss reserves — total (1,706,083) (3,101,836) Change in reinsurers’ share in reserves 179,559 858,017 Minority holding in net income (loss) in the reporting period 334,002 163,124 Change in other insurance reserves (1,841,129) (2,125,889) Contributions out of insurance premiums (58,841) (49,701) Of which: ADDITIONAL INFORMATION Contributions to guarantees reserve (7,614) (8,771) Contributions to the reserve Permanent tax liabilities (assets) 10,604 46,642 of current compensatory payments (15,228) (17,543) Basic earnings (loss) per share – Diluted earnings (loss) per share – Expenses on conducting insurance operations — net reinsurance (1,691,021) (2,339,372) Expenses on signing insurance contracts (1,598,046) (2,190,713) Other expenses on conducting insurance operations (238,108) (231,756) DESCRIPTION of breakdown of certain gains and losses 2006 2007 Remunerations and share of profits gains losses gains losses under reinsurance contracts 145,133 83,097 Fines, penalties and forfeits recognized by court (arbitration court) Result from operations related to insurance to be recovered – – 1,358 12,226 other than life insurance 3,271,081 5,347,749 Gains (losses) of previous years 10,411 108,211 9,493 176,882

Reimbursement for losses III. Other income and expenses not included in Sections I and II caused by default or improper fulfillment of obligations – – – – Investments income 13,297,339 15,005,697 Foreign currency exchange gains Of which: and losses 38,587 67,162 79,685 93,900 Interest receivable 727,681 1,168,092 Disbursement to valuation reserves х – – –

INCOME STATEMENT OF “SOGAZ” INSURANCE GROUP OF “SOGAZ” INCOME STATEMENT Income from participating in other organizations 19,544 42,441 Bad accounts receivable 15 PAGES OF HISTORY Change in the cost of financial investments and payable write-off – 2 1,434 25,264 due to evaluation adjustment 1,063,860 590,646

Investments expenses (11,158,099) (13,019,572) Of which: Change in the cost of financial investments due to evaluation adjustment (43,808) (76,576)

40 >> 15th Anniversary WWW.SOGAZ.RU 41 “SOGAZ” Insurance Group 15 PAGES OF HISTORY AUDITOR’S REPORT on FINANCIAL STATEMENTS of OJSC “SOGAZ” Annual Report 2007

Closed Joint Stock Company Closed Joint Stock Company “PricewaterhouseCoopers” (CJSC “PwC Audit”) “PricewaterhouseCoopers” (CJSC “PwC Audit”) build. 5, 52 Kosmodamianskaya Emb., Moscow, 115054 Russia build. 5, 52 Kosmodamianskaya Emb., Moscow, 115054 Russia tel.: +7 (495) 967-60-00, fax.: +7 (495) 967-60-01 tel.: +7 (495) 967-60-00, fax.: +7 (495) 967-60-01 AUDITOR’S AUDITOR’S REPORT ON FINANCIAL OF STATEMENTS “SOGAZ” OJSC

To the shareholders of Open Joint-Stock Company “Insurance Company for Gas In- 5 In our opinion, the accompanying financial (accounting) statements of the Com- dustry”: pany are reliable, i.e. present fairly, in all material aspects, the Company’s financial 1 We have audited the accompanying financial (accounting) statements of Open position as of December 31, 2007, as well as the results of the Company’s economic Joint-Stock Company “Insurance Company for Gas Industry” (hereinafter referred to operations for the period from January 1, 2007, to December 31, 2007, inclusive, in as the Company) for the period from January 1, 2007, through December 31, 2007. compliance with the requirements of Russian legislation as regards preparation of The financial (accounting) statements of the Company include the Balance Sheet, financial (accounting) statements. Income Statement, Statement of Changes in Capital, Statement of Cash Flows, Ap- pendix to the Balance Sheet and the Note to the Financial Statements (hereinafter all these statements are referred to as financial (accounting) statements). The financial (accounting) statements have been prepared by the Company’s management team April 7, 2008 based on Russian legislation as regards preparation of financial (accounting) state- ments. Statements prepared based on said legislation differ to a great extent from Director of the joint-stock company A. Bertolotti statements prepared as per the International Financial Reporting Standards. 2 The body responsible for the preparation and submission of financial (accounting) statements is the executive body of the Company. Our responsibility is to express our opinion as to whether these financial (accounting) statements are reliable in all ma- terial aspects and whether said statements comply with the accounting procedures stipulated by Russian legislation, based on the results of our audit. 3 We conducted our audit in compliance with the Federal Law “On audit”, federal Auditor O. Ivanova rules (standards) of audit activities, the International Audit Standards, and our inter- Qualification Audit Certificate nal standards. for auditing insurance companies 4 The audit was planned and performed to obtain reasonable assurance that the No. К 024006 issued for an indefinite term financial (accounting) statements of the Company are free of any material misstate- AUDITOR’S REPORT ON FINANCIAL STATEMENTS OF OJSC “SOGAZ” ments. The audit included examining, on a test basis, evidence supporting the figures 15 PAGES OF HISTORY and disclosure in the financial statements of information about financial and eco- nomic activities, assessing the compliance with the accounting principles and rules applied in drawing up financial (accounting) statements, examining estimates- ob tained by the Company’s management team in drawing up the financial statements, and assessing the rendering of accounts. We believe that the performed audit provides a reasonable basis for our opinion on the reliability of the financial (accounting) statements and on the compliance of the accounting procedures with Russian legislation.

42 >> 15th Anniversary WWW.SOGAZ.RU 43 FINANCIAL REPORT OF OJSC “SOGAZ” Annual Report 2007

FINANCIAL REPORT OF “SOGAZ” OJSC

<< Union, Insurers of the All-Russia President Assembly Duma of the Federal Deputy of the State Federation of the Russian Koval A.P.

ASSETS 2006 2007

I. Assets

Intangible assets 320 234 Investments 12,152,003 21,042,880 Including: Land plots – – Facilities 36,334 45,904 Financial investments in subsidiary, affiliate and other organizations 7,672,965 11,581,103 FOR THE YEAR'S END (in thousands of RUR) Including: > shares of subsidiaries and affiliates 1,100,825 1,100,825 > debt securities of subsidiaries and affiliates and loans issued thereto 15,250 12,250 > investments in authorized (share) capitals I sincerely congratulate “SOGAZ” of subsidiaries and affiliates 494,050 683,312 Insurance Group on its 15th anniversary! > shares of other organizations 3,114,681 5,116,176 > debt securities of other organizations and loans issued thereto 2,948,159 4,668,540 Fifteen years are, in a way, an epoch. > investments in authorized (share) capitals Created at the very beginning of market reforms in Russia, the Group has combined of other organizations – – professional experience and deep-rooted traditions of insurance activities. Today SOGAZ shows dynamic growth, being a leader on the Russian insurance Other investments 4,442,704 9,415,873 market. Including: Government and municipal securities 824,308 1,389,996 High professionalism and competence of the staff, flexibility and diligence in Deposits 3,140,396 6,722,328 handling clients won their well-deserved credit and respect of “SOGAZ” Group. Other investments 478,000 1,303,549 On this great day, I wish health, happiness and well-being to all your team and further expansion and prosperity to “SOGAZ” Insurance Group. Ceding insurers’ premium deposits – – 15 PAGES OF HISTORY Reinsurers’ share in insurance reserves 1,774,812 2,581,045 Including: In life insurance reserves – – In unearned premium reserve 1,265,909 1,108,515 In loss reserves 508,903 1,472,530

President of the All-Russia Insurers Union, Accounts receivable under insurance, Deputy of the State Duma of the Federal Assembly coinsurance operations 3,443,990 5,095,717 of the Russian Federation Including: A.P. Koval Insured parties 2,464,886 4,590,036 Insurance agents 3,420 6,604 Other debtors 975,684 499,077

WWW.SOGAZ.RU 45 13 2005 > > > > > Uspenskoye Highway, Zhukovka village. A sales office ofthe“SOGAZ” Insurance Group wasopenedontheRublevo- capital ofLLC “IC“Neftepolis”. The “SOGAZ” Insurance Group purchased 85%ofshares intheauthorized transport company became clients ofOJSC “SOGAZ” . Russian Railways, RAO “UESofRussia”, Rosatom, Rosneft,the“Russia” of theInsurance Group upto 2007. The Board ofDirectors ofOJSC “SOGAZ” adopted theDevelopment Strategy with fire ataheliumplant thatoccurred inAugust 2004. and LLC “Uraltransgaz”, whichamounted to RUR750million,inconnection SOGAZ completed the payment of insurance indemnity to LLC “Orenburggazprom”

TURNING THE PAGES

OF HISTORY

20 05

20 06

14 TURNING THE PAGES OF HISTORY 2006

> SOGAZ became an official partner of the “Zenit” football club. > The “SOGAZ” Insurance Group began implementing the National Program of Support and Restoration of the Russian Cultural Heritage. > The Group became a member of the Agricultural Russian Insurance Pool (RSSP). > SOGAZ started implementing the new Program of insuring small and medium businesses, “SOGAZ-Enterprise”. > Vadim E. Yanov was elected Chairman of the Management Board of OJSC “SOGAZ”.

20 07

15 TURNING THE PAGES OF HISTORY 2007

> The Group won tenders for the right to conclude insurance contracts of OJSC “Gazprom” and its subsidiaries in 2007–2011. > AB “Gazprombank” (CJSC) and the “SOGAZ” Insurance Group started a special program for Gazprombank card holders. > The authorized capital of the “SOGAZ” Insurance Group increased from RUR 935,116,500 to RUR 3,085,884,450. > The Board of Directors of SOGAZ approved the development strategy of the Group up to 2012. “SOGAZ” Insurance Group 15 PAGES OF HISTORY FINANCIAL REPORT OF OJSC “SOGAZ” Annual Report 2007

ASSETS /table continued/ 2006 2007 LIABILITIES 2006 2007

Accounts receivable under reinsurance operations 163,650 894,397 II. Equity and reserves Other accounts receivable due beyond 12 months following the reporting date 2,720 2,254 Authorized capital 935,117 3,085,884 Other accounts receivable due Own shares redeemed from shareholders – – within 12 months following the reporting date 1,310,958 1,006,919 Additional capital 68,585 67,812 Fixed assets 337,536 628,250 Reserve capital 46,756 46,756 Construction in progress 125,299 68,842 Including: Deferred tax assets 6,533 7,710 Reserves formed as per law 46,756 46,756 Inventory 93,846 209,378 FOR THE YEAR'S END (in thousands of RUR) Reserves formed as per founding documents – – FOR THE YEAR'S END (in thousands of RUR) Including: Materials and other equivalent valuables 8,626 31,890 Retained earnings (uncovered loss) 4,335,163 4,186,219 Prepaid expenses 85,022 177,488 Other inventory and costs 198 – Total Section II 5,385,621 7,386,671

Value-added tax on acquired valuables – – III. Insurance reserves Monetary funds 5,982,057 6,609,830 Other assets 444,152 211,878 Life insurance reserves 349,387 – Unearned premium reserve 9,127,031 12,732,402 Total Section I 25,837,876 38,359,334 Loss reserves 3,845,495 7,068,988 Other insurance reserves 3,806,635 5,752,835 TOTAL ASSETS 25,837,876 38,359,334 Reserves for compulsory health insurance – –

Total Section III 17,128,548 25,554,225 FINANCIAL REPORT OF OJSC “SOGAZ” 15 PAGES OF HISTORY

46 >> 15th Anniversary WWW.SOGAZ.RU 47 “SOGAZ” Insurance Group 15 PAGES OF HISTORY FINANCIAL REPORT OF OJSC “SOGAZ” Annual Report 2007

CERTIFICATE of valuables recorded LIABILITIES /table continued/ 2006 2007 on off-balance sheet accounts 2006 2007

IV. Liabilities Leased fixed assets 245,080 886,010 Including those under lease 1,266 315,865 Debt under premium deposits to reinsurers – – Long-term loans and credits 700,000 700,000 Goods and material valuables in custody – – Deferred tax liabilities 463,581 576,933 Indebtedness of insolvent debtors Short-term loans and credits – – charged to losses 13,761 28,850 Accounts payable under insurance, Security of obligations and payments received 2,052,802 3,646,575 coinsurance operations 215,806 593,148 Security of obligations and payments issued 86,284 257,685 Including: FOR THE YEAR'S END (in thousands of RUR) Impairment of residential property – – FOR THE YEAR'S END (in thousands of RUR) Insured parties – – Impairment of redevelopment Insurance agents 110,511 301,782 and equivalent facilities – – Other creditors 105,295 291,366 Intangible assets received – – Facility for restoration 145,000 290,907 Accounts payable under reinsurance operations 803,778 540,772 Other accounts payable 1,013,984 2,856,563 Including: Debt to the company’s personnel 316 1,362 Debt to state non-budget funds 1,882 2,383 Taxes and dues payable 5,738 93,608 Other creditors 1,006,048 2,759,210

Income due to participants (founders) – – Deferred revenues – – Provisions for costs to be incurred 7,140 8,217 Provisions for preventive activities 119,418 142,805 Other liabilities – –

Total Section IV 3,323,707 5,418 438 FINANCIAL REPORT OF OJSC “SOGAZ” 15 PAGES OF HISTORY

TOTAL LIABILITIES 25,837,876 38,359,334

48 >> 15th Anniversary WWW.SOGAZ.RU 49 “SOGAZ” Insurance Group 15 PAGES OF HISTORY INCOME STATEMENT OF OJSC “SOGAZ” Annual Report 2007

INCOME STATEMENT /table continued/ 2006 2007

II. Insurance other than life insurance

Insurance premiums — net reinsurance 20,963,819 27,463,032 Insurance premiums (contributions) — total 23,492,969 30,056,533 Transferred to reinsurers (2,529,150) (2,593,501)

Change in unearned premium reserve — net reinsurance (3,396,529) (3,762,765) Change in unearned premium reserve — total (4,237,884) (3,605,371) FOR THE YEAR'S END (in thousands of RUR) Change in reinsurers’ share in reserve 841,355 (157,394)

INCOME OF STATEMENT “SOGAZ” OJSC Incurred losses — net reinsurance (11,322,575) (14,871,439) Payments under insurance contracts — net reinsurance (9,896,346) (12,611,573) Payments under insurance contracts — total (10,030,692) (13,484,452) INCOME STATEMENT 2006 2007 Reinsurers’ share 134,346 872,879

I. Life insurance Change in loss reserves — net reinsurance (1,426,229) (2,259,866) Change in loss reserves — total (1,481,721) (3,223,493) Insurance premiums (contributions) — net reinsurance 8,923 1,995 Change in reinsurers’ share in reserves 55,492 963,627 Insurance premiums (contributions) — total 8,923 1,995 Transferred to reinsurers – – Change in other insurance reserves (1,752,522) (1,946,200) Contributions out of insurance premiums (53,166) (46,950) Income from investments 42,000 12,147 Of which: Of which: Contributions to guarantees reserve (6,351) (7,854) FOR THE YEAR'S END (in thousands of RUR) Interest receivable 42,000 12,147 Contributions to the reserve Income from participating in other organizations – – of current compensatory payments (12,703) (15,709) Change in the cost of financial investments due to evaluation adjustment – – Expenses on conducting insurance operations — net reinsurance (1,458,733) (2,119,222) Payments under insurance contracts — Expenses on signing insurance contracts (1,484,596) (2,084,146) net reinsurance (136,300) (363,299) Other expenses Payments under insurance contracts — total (136,300) (363,299) on conducting insurance operations (86,405) (83,010) Reinsurers’ share – – Remunerations and share of profits under reinsurance contracts 112,268 47,934 Change in life insurance reserves — net reinsurance 86,385 349,387 Change in life insurance reserves — total 86,385 349,387 Result from operations related to insurance Change in reinsurers’ share in reserves – – other than life insurance 2,980,294 4,716,456

Expenses on conducting insurance operations — III. Other income and expenses not included in Sections I and II net reinsurance (11) – Expenses on signing insurance contracts (11) – Investments income 8,011,679 7,598,405 Other expenses on conducting insurance operations – – Of which: Remuneration and share of profits Interest receivable 639,463 1,057,645 under reinsurance contracts – – INCOME STATEMENT OF OJSC “SOGAZ” Income from participating in other organizations 385,384 419,880 15 PAGES OF HISTORY Change in the cost of financial investments Investments expenses – – due to evaluation adjustment 995,954 515,270 Of which: Change in the cost of financial investments Investments expenses (5,691,162) (5,418,540) due to evaluation adjustment – – Of which: Change in the cost of financial investments Result from life insurance operations 997 230 due to evaluation adjustment – –

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INCOME STATEMENT /table continued/ 2006 2007 DESCRIPTION of breakdown of certain gains and losses 2006 2007 gains losses gains losses Management expenses (2,169,000) (2,896,179) Fines, penalties and forfeits Other income excluding income recognized by court (arbitration court) related to investments 177,039 339,402 to be recovered 11,467 2,805 1,328 12,168 Of which: Gains (losses) of previous years 13,066 133,533 8,761 172,650 Interest receivable – – Reimbursement for losses caused by default or improper Other expenses excluding expenses fulfillment of obligations – – – – related to investments (558,078) (862,398) Foreign currency exchange gains and losses 36,674 68,413 65,858 85,293 FOR THE YEAR'S END (in thousands of RUR) Of which: FOR THE YEAR'S END (in thousands of RUR) Disbursement to valuation reserves x – x – Interest payable (64,335) (75,600) Bad accounts receivable and payable write-off 741 13,761 560 24,286 Pre-tax income (loss) 2,751,769 3,477,376 Deferred tax assets 2,075 1,177 Deferred tax liabilities (223,343) (113,352) Current tax on income (493,862) (756,323)

NET INCOME (LOSS) IN THE REPORTING PERIOD 2,036,639 2,608,878

ADDITIONAL INFORMATION

Permanent tax liabilities (assets) 43,628 59,242 Basic earnings (loss) per share – – Diluted earnings (loss) per share – – INCOME STATEMENT OF OJSC “SOGAZ” 15 PAGES OF HISTORY

52 >> 15th Anniversary WWW.SOGAZ.RU 53 CONTACT INFORMATION Annual Report 2007

CONTACT CONTACT INFORMATION

<< Region of the Astrakhan Governor A.A. Zhilkin

> Insurance Group “Sogaz” Head Office / > CJSC “Leader” office OJSC “Sogaz” office bld. 1, 95 Varshavskoye Shosse, Business-Center, Gazoprovod village, Moscow, 117556, Russia Leninsky District, Moscow Region, tel: +7 (495) 661-45-35 142770, Russia fax: +7 (495) 661-45-34 tel: +7 (495) 428-57-27 fax: +7 (498) 617-78-96 > Integrated insurance center and client service center > LLC “IC “Neftepolis” office 17 Novocheremushkinskaya Ul., 18 Shchipok Ul., Moscow, Moscow, 117477, Russia 115093, Russia tel: +7 (495) 234-44-24 tel: +7 (495) 777-44-16 Dear friends, fax: +7 (495) 730-01-11 > Insurance Group “Sogaz” sales offices in Moscow > LLC “IC “Sogaz-Life” office and Moscow Region I am happy to congratulate you on the 15th anniversary of “SOGAZ” Insurance bld. 2, 3 Krymsky Val Ul., bld. 1, 24 Vavilova Ul., Group. The Group is one of the most important insurers and is dynamically devel- oping its business. Moscow, 119049, Russia Moscow, 119334, Russia During over ten years of operation in our region the Group has proved itself tel: +7 (495) 627-73-00 tel: +7 (495) 783-92-02 a reliable partner, greatly contributing to the development of regional eco- fax: +7 (495) 627-73-02 nomics, providing total independence of enterprises on possible accidents and Trade Center “Melnitsa”, 3rd floor, losses, founded on principles of efficient risk management and gaining clients’ > OJSC “Gazprommedstrakh” office Zhukovka village, Odintsovsky District, credit. bld. 1, 95 Varshavskoye Shosse, Moscow Region, 143082, Russia Besides protecting financial interests of enterprises, SOGAZ has also been solving social problems, increasing local budget revenues generated from taxes, develop- Moscow, 117556, Russia tel: +7 (495) 739-53-01 ing the health care system and employment. tel: +7 (495) 741-49-17, 741-49-18 fax: +7 (495) 635-35-07 15 PAGES OF HISTORY I sincerely wish welfare and success to all members of “SOGAZ” Insurance Group fax: +7 (495) 741-49-16 team in implementing new large-scale plans and conceptions. > 24 hours control service > OJSC “Gazprommedservice” office tel: +7 (495) 234-44-42 1 Bolshaya Yakimanka Ul., fax: +7 (495) 234-44-65 Moscow, 119180, Russia e-mail: [email protected] Governor of the Astrakhan Region tel: +7 (495) 411-84-88 A.A. Zhilkin

WWW.SOGAZ.RU 55 “SOGAZ” Insurance Group 15 PAGES OF HISTORY REPRESENTATIVE OFFICES OF OJSC “SOGAZ” Annual Report 2007

REPRESENTATIVE REPRESENTATIVE OFFICES OF “SOGAZ” OJSC

> Western branch > Vologda office > Sosnovy Bor office > Ukhta branch 30 Teatralnaya Ul., Administrative 107 Zosimovskaya Ul., 63A Prospekt Geroev, 32 Dzerzhinskogo Ul., and trade complex “Europe-Center”, Vologda, 160009, Russia Sosnovy Bor, Leningrad Region, Ukhta, Republic of Komi, Kalinigrad, 236040, Russia tel: +7 (8172) 75-56-06 188544, Russia 169300, Russia tel: +7 (4012) 70-27-32, 70-27-33 tel: +7 (81369) 3-58-27 tel: +7 (82147) 7-29-40, 6-78-78 Sergeev Evgeniy Vadimovich > Leningrad Region office Dashko Aleksandr Vladimirovich 10B Sedmoy Armii Ul., Gatchina, > Cherepovets office > Baltiysk office Leningrad Region, 188300, Russia 8A Sovetsky Prospekt, office 14, > Usinsk office 77B Prospekt Lenina, tel: +7 (81371) 9-09-75 Cherepovets, Vologda Region, 19 Promyshlennaya Ul., Baltiysk, Kaliningrad Region, 162622, Russia Usinsk, Republic of Komi, 238520, Russia > Murmansk office tel: +7 (8202) 51-73-81 169710, Russia tel: +7 (40145) 2-13-74 17 Sofii Perovskoy Ul., office 302, tel: +7 (82144) 2-97-31 Murmansk, 183038, Russia > Syktyvkar branch > Sovetsk office tel: +7 (8152) 45-64-27 92 Pervomayskaya Ul., > Tomsk branch 2 Lunacharskogo Ul., Syktyvkar, Republic of Komi, 4 Zagornaya Ul., Tomsk, “Russia” Hotel, Sovetsk, > Novgorod office 167000, Russia 634050, Russia Kaliningrad Region, 238750, Russia 6/11 Bolshaya Sankt-Peterburgskaya Ul., tel: +7 (8212) 24-12-86, 20-28-97 tel: +7 (3822) 28-49-00, 28-49-01 tel: +7 (40161) 3-77-04 Veliky Novgorod, 173003, Russia Tarbeev Aleksey Nikolaevich Kektyshev Philipp Anatolievich tel: +7 (8162) 76-63-52 > Chernyakhovsk office > Vorkuta office > Altaiskoye office 11A Telmana Ul., Chernyakhovsk, > Petrozavodsk office 6B Ploschad Mira, Vorkuta, 52A Shevchenko Ul., Barnaul, Kaliningrad Region, 238150, Russia 6 Shotmana Ul., Petrozavodsk, Republic Republic of Komi, Altai Territory, 656015, Russia tel: +7 (40141) 3-38-38 of Karelia, 185010, Russia 169900, Russia tel: +7 (3852) 36-80-10 REPRESENTATIVE OFFICES OF OJSC “SOGAZ” OFFICES OF OJSC REPRESENTATIVE tel: +7 (8142) 78-31-83 tel: +7 (82151) 3-52-65 15 PAGES OF HISTORY > Saint Petersburg branch > Buryatskoye office 6/2 Griboedova Canal Nab., > Polyarnoye office > Inta office 12G Sverdlova Ul., Ulan-Ude, Saint Petersburg, 191011, Russia 22 Pushkina Ul., Polyarnye Zori, 24A Mira Ul., Inta, Buryat Republic, 670000, Russia tel: +7 (812) 438-14-38, 438-14-39 Murmansk Region, 184230, Russia Republic of Komi, 169840, Russia tel: +7 (3012) 22-01-07 Akulin Igor Mikhailovich tel: +7 (81532) 6-51-05 tel: +7 (82145) 6-71-31 > Kemerovo office > Аrkhangelsk office > Pskov office > Kirov Office 12 Nikolaya Ostrovskogo Ul., 65 Troitsky Prospekt, office 307, 5 Rabochaya Ul., office 3, 51 Sovetskaya Ul., office 215, letter “D”, Kemerovo, Arkhangelsk, 163000, Russia Pskov, 180017, Russia Kirov, 610020, Russia 650099, Russia tel: +7 (8182) 49-29-30 tel: +7 (8112) 72-72-66 tel: +7 (8332) 32-19-71 tel: +7 (3842) 34-89-30

56 >> 15th Anniversary WWW.SOGAZ.RU 57 “SOGAZ” Insurance Group 15 PAGES OF HISTORY REPRESENTATIVE OFFICES OF OJSC “SOGAZ” Annual Report 2007

> Novokuznetsk office > Krasnoyarsk branch > Nakhodka office > Sochi office 26 Prospekt Bardina, 20D Zheleznodorozhnikov Ul., 1 Portovaya Ul., office 501, Nakhodka, 46 Roz Ul., Sochi, Novokuznetsk, Kemerovo Region, Krasnoyarsk, 660099, Russia Primorsky Territory, 692900, Russia Krasnodar Territory, 654007, Russia tel: +7 (3912) 62-93-00 tel: +7 (4236) 9-12-98 354000, Russia tel: +7 (3843) 79-71-30 Nechepurenko Andrey Alekseevich > Ussuriysk office > Nizhne-Volzhsky branch > Omsk office > Abakan office 75 Timiryazeva Ul., office 5, 5 Tolstogo Ul., Volgograd, 8 Gagarina Ul., bld. 1, offices 17–21, 39 Vyatkina Ul., office 208, Ussuriysk, Primorsky Territory, 400119, Russia Omsk, 644043, Russia Abakan, Republic of Khakassia, 692500, Russia tel: +7 (8442) 47-39-37 tel: +7 (3812) 21-29-41 655017, Russia tel: +7 (4234) 32-26-61 Serdechny Vadim Anatolievich tel: +7 (3902) 22-21-95 > Seversk office > Khabarovsk branch > Volzhsky office 151 Kommunistichesky Prospekt, > Zheleznogorsk office 46 Turgeneva Ul., Khabarovsk, 46 Prospekt Lenina, Seversk, Tomsk Region, 6 Mayakovskogo Ul., office 105, 680000, Russia Volzhsky, Volgograd Region, 636070, Russia Zheleznogorsk, Krasnoyarsk Territory, tel: +7 (4212) 45-12-34, 41-01-74 404130, Russia tel: +7 (3823) 56-33-99 662972, Russia Strokin Vladimir Petrovich tel: +7 (8443) 31-03-81 tel: +7 (39197) 5-80-25 > Strezhevoy office > Yuzhno-Sakhalinsk branch > Каmyshin office 455, 4th Micro-district, > Irkutsk branch 80 Pushkina Ul., Yuzhno-Sakhalinsk, 54 Serova Ul., entrance 3, office 7, Strezhevoy, 41 Sverdlova Ul., Irkutsk, 664011, Russia Sakhalin Region, 693000, Russia Kamyshin, Volgograd Region, Tomsk Region, 636785, Russia tel: +7 (3952) 28-80-38, 28-80-39 tel: +7 (4242) 50-00-30 403870, Russia tel: +7 (38259) 3-74-04 Ri Ruslan Uniilovich Efremov Ilya Vladimirovich tel: +7 (84457) 4-42-42, 4-92-34

> Chita office > Angarsk office > Amursky branch > Rostov branch 88 Amurskaya Ul., 1A Chaykovskogo Ul., office 234a, 29 Oktyabrsky Prospekt, 3 Shaumiana Ul., Chita, 672000, Russia Angarsk, Irkutsk Region, Komsomolsk-na-Amure, Rostov-on-Don, 344082, Russia tel: +7 (3022) 32-31-01 665813, Russia Khabarovsk Territory, 681021, Russia tel: +7 (863) 218-25-55, 218-25-50 tel: +7 (3951) 50-85-76 tel: +7 (4217) 59-28-50 Altukhov Valery Anatolievich > Yurga office Zaytseva Irina Yurienva 17 Leningradskaya Ul., office 2, > Ust-Ilimsk office > Volgodonsk office Yurga, Kemerovo Region, 13 Internatsionalistov Ul., Ust-Ilimsk, > Astrakhan branch 42B Entuziastov Ul., 652050, Russia Irkutsk Region, 666685, Russia 27/79 Pobedy Ul. / Krasnaya office 6, Volgodonsk, tel: +7 (38451) 4-05-35 tel: +7 (39535) 5-15-20 Naberezhnaya Ul., Kirov District, Rostov Region, Astrakhan, 414040, Russia 347360, Russia > Yakutsk office > Far East branch tel: +7 (8512) 63-35-08, 63-35-10 tel: +7 (86392) 3-75-63 tel: +7 (4112) 32-55-49 1A Nizhneportovaya Ul., Vladivostok, Maksimova Tatiana Nikolaevna REPRESENTATIVE OFFICES OF OJSC “SOGAZ” OFFICES OF OJSC REPRESENTATIVE Primorsky Territory, 690003, Russia > Taganrog office 15 PAGES OF HISTORY > Novosibirsk branch tel: +7 (4232) 30-26-62 > Krasnodar branch 23 A. Glushko Ul., 169 Nemirovicha-Danchenko Ul., Chasov Aleksey Ilyich 139 Krasnaya Ul., Krasnodar, Taganrog, Rostov Region, Novosibirsk, 630087, Russia 350020, Russia 347900, Russia tel: +7 (383) 212-50-07, 210-67-07 > Artyom office tel: +7 (861) 255-33-00 tel: +7 (8634) 39-22-87 Tyomkin Vladimir Efimovich 28 Kirova Ul., office 301, Artyom, Pogorelov Aleksey Viktorovich Primorsky Territory, 692760, Russia > Stavropol branch > Berdsk office tel: +7 (42337) 9-84-46 > Novorossiysk office 73A Prospekt K. Marksa, 21 Pervomayskaya Ul., Novosibirsk 1 Rubina Pereulok, Novorossiysk, Stavropol, 355006, Russia Region, 633010, Russia > Blagoveshchensk office Krasnodar Territory, 353900, Russia tel: +7 (8652) 29-62-75, 29-70-31 tel: +7 (38341) 2-79-13 tel: +7 (4162) 51-65-31 tel: +7 (8617) 64-15-11 Lavrinenko Vyacheslav Anatolievich

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> Budennovsk office > Nadym branch > Tyumen branch > Kazan branch 17 1st Micro-district, Budennovsk, 8/1 Zvereva Ul., 14/7 Respubliki Ul., 2V Spartakovskaya Ul., office 211, Stavropol Territory, 356800, Russia Nadym, Tyumen Region, Tyumen, 625003, Russia Kazan, Republic of Tatarstan, tel: +7 (86559) 2-40-86 Yamalo-Nenets Autonomous District, tel: +7 (3452) 64-00-46, 64-00-72 420107, Russia 629730, Russia Davydova Bella Yakovlevna tel: +7 (843) 291-75-94 > Pyatigorsk office tel: +7 (3499) 53-23-90, 56-88-84 Sitdikov Shamil Abdullovich 7 Bunimovicha Ul., Pyatigorsk, Syundyukova Alfia Khikmatovna > Salekhard office Stavropol Territory, 357500, Russia 62 Respubliki Ul., Salekhard, > Nizhny Novgorod branch tel: +7 (89933) 3-16-11 > Nizhnevartovsk branch Tyumen Region, Yamalo-Nenets 58 Piskunova Ul., Nizhny Novgorod, 3 Chapaeva Ul., Nizhnevartovsk, Autonomous District, 629008, Russia 603005, Russia > Yekaterinburg branch Tyumen Region, Khanty-Mansi tel: +7 (831) 411-80-60 35 Rozy Luksemburg Ul., Autonomous District – Ugra, > Chelyabinsk branch Krasikov Serguey Anatolievich Yekaterinburg, 620075, Russia 628602, Russia 187 Truda Ul., Chelyabinsk, tel: +7 (343) 356-56-57, 379-27-29 tel: +7 (3466) 44-11-73 454080, Russia > Dzerzhinsk office Zakharushkin Oleg Vladimirovich Lazarev Eduard Leonidovich tel: +7 (351) 264-09-08 14/13 Prospekt Dzerzhinskogo, Abramova Tatiana Nikolaevna Dzerzhinsk, Nizhny Novgorod Region, > Zarechny office > Novy Urengoy branch 606010, Russia 10 Lenina Ul., office 14, 5 Yubileynaya Ul., > Magnitogorsk office tel: +7 (8313) 26-53-93 Zarechny, Sverdlovsk Region, Novy Urengoy, Tyumen Region, 131/1 Lenina Ul., office 3, 624251, Russia Yamalo-Nenets Autonomous District Magnitogorsk, Chelyabinsk Region, > Mari El Republic office tel: +7 (34377) 3-35-83 629300, Russia 445045, Russia 125A Komsomolskaya Ul., tel: +7 (3494) 92-51-80, tel: +7 (351) 900-49-21 Yoshkar-Ola, Mari El Republic, > Kurgan office 92-51-74, 92-51-75 424004, Russia 113 Sovetskaya Ul., Kurgan, Zhidkov Spartak Evgenievich > Yugorsk branch tel: +7 (8362) 41-42-48 640018, Russia 8A Kirova Ul., Yugorsk, tel: +7 (3522) 46-39-12 > Noyabrsk branch Tyumen Region, Khanty-Mansi > Sarov office 56 Mira Prospekt, Noyabrsk, Autonomous District – Ugra, 3 Repina Ul., Sarov, Nizhny Novgorod > Nizhny Tagil office Tyumen Region, Yamalo-Nenets 628260, Russia Region, 607188, Russia 67 Prospekt Lenina, office 213, Autonomous District, tel: +7 (34675) 7-19-66 tel: +7 (83130) 3-32-22 Nizhny Tagil, Sverdlovsk Region, 629807, Russia fax: +7 (34675) 7-62-76 622034, Russia tel: +7 (3496) 36-94-98, 36-86-80 Kramynin Radion Vladimirovich > Cheboksary office tel: +7 (3435) 41-92-78 Maslova Natalia Aleksandrovna 19A Prospekt I. Yakovleva, Cheboksary, > Nefteyugansk branch Chuvash Republic, 428003, Russia > Novouralsk office > Muravlenko office 34 2nd Micro-District, Nefteyugansk, tel: +7 (8352) 55-18-13 53 Lenina Ul., Novouralsk, 9 Gubkina Ul., Muravlenko, Tyumen Region, Khanty-Mansi Sverdlovsk Region, 624130, Russia Tyumen Region, Yamalo-Nenets Autonomous District – Ugra, > Orenburg branch REPRESENTATIVE OFFICES OF OJSC “SOGAZ” OFFICES OF OJSC REPRESENTATIVE tel: +7 (34370) 9-02-53 Autonomous District, 628309, Russia 25A Shestidesyati Let Oktyabrya Ul., 15 PAGES OF HISTORY 629602, Russia tel: +7 (3463) 23-42-35 Orenburg, 460021, Russia > Rezh office tel: +7 (34938) 6-13-00 Grinina Lyubov Avdeevna tel: +7 (3532) 73-13-22, 35 Lenina Ul., Rezh, +7 (3532) 34-01-01 Sverdlovsk Region, 623750, Russia > Surgut branch > Gubkinsky office Kirillov Vladimir Anatolievich tel: +7 (34364) 3-23-88 22 Bystrinskaya Ul., Surgut, 31 4th Micro-district, Tyumen Region, Khanty-Mansi Gubkinsky, Tyumen Region, > Buzuluk office > Sysertskoye office Autonomous District – Ugra, Yamalo-Nenets Autonomous District, 40 Chapaeva Ul., Buzuluk, Orenburg 59 Pervogo Maya Ul., Aramil, 628406, Russia 629830, Russia Region, 461040, Russia Sverdlovsk Region, 624001, Russia tel: +7 (3462) 22-09-09, 22-05-56 tel: +7 (34936) 5-55-99 tel: +7 (35342) 1-52-78 tel: +7 (34374) 3-06-05 Mikhailov German Vladimirovich

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> Оrsk office > Balakovo office > Izhevsk office > Kurchatov office 15B Prospekt Mira, Orsk, 73 Trnavskaya Ul., Balakovo, 1 Azina Ul., Izhevsk, 316 Molodezhnaya Ul., Orenburg Region, 462403, Russia Saratov Region, 413863, Russia Udmurt Republic, office 508, Kurchatov, tel: +7 (3537) 25-23-25 tel: +7 (8453) 32-19-50 426000, Russia Kursk Region, 307251, Russia tel: +7 (3412) 90-11-22 tel: +7 (47131) 2-54-42 > Perm branch > Penza office 51A Sovetskaya Ul., 50 M. Gorkogo Ul., > Kungur office > Novovoronezh office Perm, 614000, Russia Penza, 440600, Russia 36 Svobody Ul., Kungur, 8A Mira Ul., Novovoronezh, tel: +7 (342) 220-64-01 tel: +7 (8412) 52-40-27 Udmurt Republic, 396072, Russia Seliverstov Anatoly Vyacheslavovich 617470, Russia tel: +7 (47364) 2-08-37 > Ufa branch tel: +7 (34271) 2-51-50 > Solikamsk office 97 Chernyshevskogo Ul., > Oryol office 121A Dvadtsati Let Pobedy Ul., Ufa, Republic of Bashkortostan, > Central branch 10 Brestskaya Ul., offices 319–320, Solikamsk, 450077, Russia 32–34 D. Ulianova Ul., bld. 1, Oryol, 302028, Russia Perm Territory, 618551, Russia tel: +7 (347) 229-90-05, Moscow, 117218, Russia tel: +7 (4862) 76-38-59 tel: +7 (253) 7-63-04, 7-11-00 +7 (347) 229-90-11 tel: +7 (495) 234-44-24, 234-44-65 Magdanov Ildar Ziganurovich Khramov Rafik Abdulkhakovich > Ryazan office > Samara branch 23 Sobornaya Ul., office 315, 201 Chapaevskaya Ul., > Neftekamsk office > Belgorod office Ryazan, 390000, Russia Samara, 443010, Russia 35 Lenina Ul., Neftekamsk, 38 5th Zavodskoy Pereulok, tel: +7 (4912) 28-97-31 tel: +7 (846) 270-88-07, 270-48-13 Republic of Bashkortostan, Belgorod, 308002, Russia Pimenov Vyacheslav Alekseevich 453680, Russia tel: +7 (4722) 34-20-69 > Smolensk office tel: +7 (34783) 3-52-99 22 Tenishevoy Ul., Smolensk, > Syzran office > Bryansk office 214018, Russia 2 Kotovskogo Ul., office 322, > Salavat office 39 Krakhmaleva Ul., Syzran, Samara Region, 22 Kolkhoznaya Ul., Salavat, Bryansk, 241037, Russia > Tver office 446011, Russia Republic of Bashkortostan, tel: +7 (4832) 75-29-99 1A Sportivny Pereulok, tel: +7 (8464) 88-19-55 453262, Russia Tver, 170002, Russia tel: +7 (34763) 9-58-26 > Voronezh office tel: +7 (4822) 34-32-88 > Togliatti office 45 Dvadtsati Pyati Let Oktyabrya Ul., 8 Novy Proezd, > Sterlitamak office offices 28–29, Voronezh, > Udomlya office Office center ”Forum”, offices 330–331, 55 Mira Ul., Sterlitamak, 394066, Russia 7A Energetikov Ul., office 27, Togliatti, Samara Region, Republic of Bashkortostan, tel: +7 (4732) 96-96-34 Udomlya, Tver Region, 445037, Russia 453121, Russia 171841, Russia tel: +7 (8482) 70-49-19 tel: +7 (3473) 21-85-75 > Desnogorsk office tel: +7 (4825) 55-00-30 22 3rd Micro-district, office 76, REPRESENTATIVE OFFICES OF OJSC “SOGAZ” OFFICES OF OJSC REPRESENTATIVE > Ulyanovsk office > Chaykovsky branch Desnogorsk, Smolensk Region, > Yaroslavl office 15 PAGES OF HISTORY 5A Kuznetsova Ul., Ulyanovsk, 4 K. Marksa Ul., Chaykovsky, 216400, Russia 27 Sobinova Ul., bld. 2, offices 4–5, 432063, Russia Perm Territory, 617760, Russia tel: +7 (48753) 3-30-36 Yaroslavl, 150003, Russia tel: +7 (8422) 41-60-73 tel: +7 (34241) 3-25-68, tel: +7 (4852) 31-42-41 +7 (34241) 3-73-09 > Kaluga office > Saratov branch Shkapenko Aleksey Alekseevich 160 Suvorova Ul., bld. 1, office 6, > Tula branch 17/39 Bolshaya Kazachia Ul., Kaluga, 248016, Russia 50 Turgenevskaya Ul., Saratov, 410012, Russia > Glazov office tel: +7 (4842) 79-67-94 Tula, 300000, Russia tel: +7 (8452) 57-40-01, 6 Pryazhennikova Ul., office 201, Glazov, tel: +7 (4872) 36-44-92 57-40-02, 57-40-03 Udmurt Republic, 427620, Russia > Kursk office Pendrakovsky Aleksandr Burdanova Nadezhda Fedorovna tel: +7 (34141) 3-30-70 77B Lenina Ul., Kursk, 305000, Russia Aleksandrovich

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REPRESENTATIVE REPRESENTATIVE OFFICES OF “GAZPROM OJSC MEDSTRAKH”

> Arkhangelsk branch > Liman office > Beloyarsky branch > Komarichi office 26 Novgorodsky Prospekt, 51 Lenina Ul., Liman industrial 5 Tsentralnaya Ul., Beloyarsky, Tyumen 63 Osipenko Ul., Komarichi village, Arkhangelsk, 163002, Russia village, Astrakhan Region, Region, Khanty-Mansi Autonomous Bryansk Region, 242400, Russia tel: +7 (8182) 63-34-06 416410, Russia District, 628161, Russia fax: +7 (8182) 68-34-07 tel: +7 (85147) 2-13-26 tel: +7 (34670) 4-14-35 > Volgograd branch Vikhareva Iraida Nikitichna fax: +7 (34670) 4-14-17 9 Kanunnikova Ul., Volgograd, > Krasny Yar office Vasiliev Evgueny Mikhailovich 400001, Russia > Vinogradovskoye office 51 Zoi Ananievoy Ul., tel: +7 (8442) 94-63-25 71 P. Vinogradova Ul., office 1, Krasny Yar village, > Berezovo office fax: +7 (8442) 94-63-22 Bereznik urban village, Krasnoyarsk District, 5 Sovetskaya Ul., Berezovo urban Serdechny Vadim Anatolievich Vinogradovsky District, Astrakhan Region, 416150, Russia village, Berezovo District, Tyumen Arkhangelsk Region, Region, Khanty-Mansi Autonomous > Volzhsky office 164570, Russia > Kotlas office> Astrakhan Region, 416170, Russia > Oktyabrskoye office tel: +7 (8443) 31-63-31 36 Prospekt Mira, Kotlas, tel: +7 (85144) 9-04-74 39A Kalinina Ul., Oktyabrskoye urban Arkhangelsk Region, village, Oktyabrsky District, Tyumen > Kirovskoye office 165300, Russia > Kharabali office Region, Khanty-Mansi Autonomous 106A Kirova Ul., tel: +7 (8183) 72-71-02 17 Bogdana Khmelnitskogo Ul., District, 628100, Russia Volgograd, 400059, Russia Kharabali, Astrakhan Region, tel: +7 (34678) 2-15-15 tel: +7 (8442) 42-20-06 > Astrakhan branch 416010, Russia 27/79 Pobedy Ul. / Krasnaya tel: +7 (85148) 5-19-30 > Bryansk branch > Kamyshin office REPRESENTATIVE OFFICES OF OJSC “GAZPROMMEDSTRAKH” Naberezhnaya Ul., Astrakhan, 67 Sovetskaya Ul., 23 Titova Ul., Kamyshin, 15 PAGES OF HISTORY 414040, Russia > Znamensk office Bryansk, 241050, Russia Volgograd Region, 403879, Russia tel: +7 (8512) 63-38-12 2 Mira Ul., Znamensk, tel: +7 (4832) 74-29-45 tel: +7 (8442) 54-92-34 fax: +7 (8512) 63-35–09 Astrakhan Region, 416540, Russia fax: +7 (4832) 74-37-13 Maksimova Tatiana Nikolaevna tel: +7 (85110) 2-47-07 Petrov Yury Yurievich > Yekaterinburg branch 35 Rozy Luksemburg Ul., > Enotaevka office > Kamyzyak office > Dyadkovo office Yekaterinburg, 620075, Russia 34/6 A/1 Sovetskaya Ul. / Rydel Ul. / 67 M. Gorkogo Ul., Kamyzyak, 218, Lenina Ul., Dyadkovo, tel: +7 (343) 379-27-28 Stepana Razina Ul., Enotaevka village, Astrakhan Region, 416300, Russia Bryansk Region, 242630, Russia fax: +7 (343) 379-20-30 Astrakhan Region, 416200, Russia tel: +7 (85145) 9-28-29 tel: +7 (48323) 3-39-67 Zavarzina Larisa Pavlovna

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> Chelyabinsk directorate > Bratsk office > Makhachkala branch > Bolshoe Boldino office 1/24 Sverdlova Ul., office 16, 38 Podbelskogo Ul., Central 24 Ermoshkina Ul., 2 Vostochnaya Ul., P.O. Box 727, Snezhinsk, Residential Area, Bratsk, Irkutsk Makhachkala, Bolshoe Boldino village, Chelyabinsk Region, 456770, Russia Region, 665708, Russia Republic of Dagestan, Nizhny Novgorod Region, tel: +7 (35146) 3-42-22 367012, Russia 607850, Russia > Bodaybo office tel: +7 (8722) 62-92-30 tel: +7 (83138) 2-27-48 > Ozyorsk office 38 Tridtsati Let Pobedy Ul., Bodaybo, fax: +7 (8722) 62-92-30 22 Semyonova Ul., office 303, Ozyorsk, Irkutsk Region, 666910, Russia Guseynova Patimat Nasrutdinovna > Bogorodsk office Chelyabinsk Region, 456790, Russia tel: +7 (39567) 2-02-60 224 Lenina Ul., Bogorodsk, tel: +7 (35140) 7-47-81 > Murmansk branch Nizhny Novgorod Region, > Nizhneilimskoe office 5 Pushkinskaya Ul., 607600, Russia > Novouralsk office 8 Yangelya Ul., Murmansk, 183038, Russia tel: +7 (83170) 2-12-12 53 Lenina Ul., Novouralsk, Zheleznogorsk-Ilimsky, tel: +7 (8152) 45-86-77 Sverdlovsk Region, 624130, Russia Irkutsk Region, 665653, Russia fax: +7 (8152) 45-86-32 > Buturlino office tel: +7 (34370) 9-02-53 tel: +7 (39566) 3-13-14 Shagalova Larisa Nikolaevna 154 Lenina Ul., Buturlino urban village, Buturlinsky District, > Ivanovo branch > Ust-Kut office > Кola office Nizhny Novgorod Region, 5 Naberezhnaya Ul., 41 Kirova Ul., Ust-Kut, 18 Mironova Ul., Kola, 607440, Russia Ivanovo, 153012, Russia Irkutsk Region, 666793, Russia Murmansk Region, tel: +7 (83172) 5-29-78 tel: +7 (4932) 37-59-67 tel: +7 (39565) 5-20-25 184360, Russia fax: +7 (4932) 35-58-97 tel: +7 (81553) 3-30-16 > Vad office Kuritsyn Aleksandr Dmitrievich > Yoshkar-Ola branch 41 Pervogo Maya Ul., 41 Panfilova Ul., Yoshkar-Ola, > Pechengskoye office Vad village, Nizhny Novgorod Region, > Kineshma office Mari El Republic, 424003, Russia 9 Bredova Ul., Nikel urban village, 606380, Russia 24/25 Gorkogo Ul., Kineshma, tel: +7 (8362) 72-64-28 Pechengsky District, tel: +7 (83141) 4-23-66 Ivanovo Region, 155800, Russia fax: +7 (8362) 41-64-00 Murmansk Region, tel: +7 (49331) 5-53-02 Shapovalov Valery Ivanovich 184420, Russia > Varnavino office tel: +7 (81554) 5-19-84 3 Sovetskaya Ul., > Izhevsk branch > Zvenigovo Office Varnavino urban village, 304 Udmurtskaya Ul., Izhevsk, 25 Rostovshchikova Ul., > Nadym branch Nizhny Novgorod Region, 426034, Russia Zvenigovo, Mari El Republic, 8/1 Zvereva Ul., Nadym, 606760, Russia tel: (3412) 25-80-67 425060, Russia Tyumen Region, Yamalo-Nenets tel: +7 (83158) 2-15-34 fax: (3412) 25-80-67 tel: +7 (83645) 7-12-89 Autonomous District, 629730, Russia Lekomtceva Serafima Andreevna tel: +7 (3499) 56-88-85 > Voskresenskoye office > Volzhsk office fax: +7 (3499) 56-88-84 131A Lenina Ul., Voskresenskoye > Irkutsk branch 29A Sovetskaya Ul., Syundyukova Alfia Khikmatovna industrial village, Nizhny Novgorod REPRESENTATIVE OFFICES OF OJSC “GAZPROMMEDSTRAKH” 41 Sverdlova Ul., Irkutsk, Volzhsk, Mari El Republic, Region, 606730, Russia 15 PAGES OF HISTORY 664000, Russia 425000, Russia > Nizhny Novgorod branch tel: +7 (83163) 2-17-49 tel: +7 (3952) 28-80-43 tel: +7 (83631) 6-20-42 8 Slavyanskaya Ul., fax: +7 (3952) 28-80-32 Nizhny Novgorod, 603000, Russia > Gagino office Tarbeeva Marina Viktorovna > Kaliningrad branch tel: +7 (831) 433-71-98 14 Gagino village, Nizhny Novgorod 40 Moskovsky Prospekt, fax: +7 (831) 431-71-97 Region, 607870, Russia > Angarsk office Kalinigrad, 236006, Russia Bakushin Alexander Mikhailovich tel: +7 (83195) 2-19-06 9 Oktyabrskaya Ul., Angarsk, tel: +7 (4012) 61-63-70 Irkutsk Region, 665806, Russia fax: +7 (4012) 61-63-71 tel: +7 (3951) 52-20-04 Starikova Larisa Vasilievna

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> Gorodets office > Pavlovo office > Sokolskoye office > Gubkinsky office 36 Proletarskaya Ploschad, 53 Kirova Ul., Pavlovo, 13 Kirova Ul., Sokolskoye village, 2nd Micro-district, Gorodets, Nizhny Novgorod Region, Nizhny Novgorod Region, Nizhny Novgorod Region, Gas and Oil Producing Plant 606502, Russia 606100, Russia 606670, Russia “Barsukovneft”, office 1, Gubkinsky, tel: +7 (83161) 9-28-64 tel: +7 (83171) 2-30-23 tel: +7 (83137) 2-18-70 Tyumen Region, Yamalo-Nenets Autonomous District, 628830, Russia > Dzerzhinsk office > Perevoz office > Sosnovskoye office tel: +7 (34936) 5-18-50 62 Prospekt Lenina, Dzerzhinsk, Nizhny 20 Tsentralnaya Ul., Perevoz, 21 Pervogo Maya Ul., Sosnovskoye Novgorod Region, 606010, Russia Nizhny Novgorod Region, urban village, Nizhny Novgorod Region, > Muravlenko office tel: +7 (83193) 3-85-25 607400, Russia 606170, Russia 9 Gubkina Ul., Muravlenko, tel: +7 (83148) 5-36-91 tel: +7 (83174) 2-53-87 Tyumen Region, Yamalo-Nenets > Zarechnoe office Autonomous District, 629600, Russia 18 Berezovskaya Ul., > Pilna office > Chkalovsk office tel: +7 (34938) 6-38-10 Nizhny Novgorod, 603079, Russia 42 Kalinina Ul., Pilna urban village, 61A Pushkina Ul., Chkalovsk, tel: +7 (8312) 70-96-44 Nizhny Novgorod Region, Nizhny Novgorod Region, > Oryol branch 607490, Russia 606540, Russia 4 Gagarina Ul., Oryol, > Kovernino office tel: +7 (83192) 5-11-06 tel: +7 (83160) 4-42-21 302001, Russia 4 K. Marksa Ul., tel: +7 (4862) 71-35-66 Kovernino industrial village, > Pochinki office > Shatki office fax: +7 (4862) 54-24-87 Nizhny Novgorod Region, 65 Lenina Ul., Pochinki village, 4 Zarechnaya Ul., Tereshchenko Nikolay Andreevich 606570, Russia Nizhny Novgorod Region, Shatki industrial village, tel: +7 (83161) 2-21-31 607910, Russia Nizhny Novgorod Region, > Livny office tel: +7 (83197) 2-20-51 607700, Russia 2 M. Gorkogo Ul., Livny, > Krasnye Baki office tel: +7 (83142) 2-13-75 Oryol Region, 303800, Russia 1 Proletarskaya Ul., Krasnye Baki > Sarov office tel: +7 (48677) 7-23-74 urban village, Nizhny Novgorod Region, 2 Semashko Ul., office 544, > Novy Urengoy branch 606710, Russia Sarov, Nizhny Novgorod Region, 5 Yubileynaya Ul., Novy Urengoy, > Mtsensk office tel: +7 (83156) 2-26-91 607188, Russia Tyumen Region, Yamalo-Nenets 81 Gagarina Ul., Mtsensk, tel: +7 (83130) 5-85-88 Autonomous District, Oryol Region, 303030, Russia > Krasnooktyabrskoe office 629300, Russia tel: +7 (48646) 4-11-10 29 Kooperativnaya Ul., > Semyonov office tel: +7 (3494) 92-51-75 Urazovka village, 5 Krayushkina Ul., Semyonov, fax: +7 (3494) 92-51-72 > Orenburg branch Krasnooktyabrsky District, Nizhny Novgorod Region, Zhidkov Spartak Evgenievich 17 Turkestanskaya Ul., Nizhny Novgorod Region, 606650, Russia Orenburg, 460024, Russia 607530, Russia tel: +7 (83162) 5-17-01 > Noyabrsk branch tel: +7 (3532) 72-56-95 tel: +7 (83194) 2-19-83 5 Prospekt Mira, Noyabrsk, fax: +7 (3532) 72-94-51 REPRESENTATIVE OFFICES OF OJSC “GAZPROMMEDSTRAKH” > Sergach office Tyumen Region, Yamalo-Nenets Alekseev Aleksey Alekseevich 15 PAGES OF HISTORY > Lukoyanov office 6A Yubileiny Prospekt, Sergach, Autonomous District, 44 Kommunisticheskaya Ul., Nizhny Novgorod Region, 629807, Russia > Buguruslan office Lukoyanov, Nizhny Novgorod Region, 607511, Russia tel: +7 (3496) 35-99-80 55 Belinskogo Ul., 607800, Russia tel: +7 (83191) 2-13-14 fax: +7 (3496) 35-86-80 Buguruslan, Orenburg Region, tel: +7 (83196) 4-15-39 Maslova Natalia Aleksandrovna 461634, Russia > Sechenovo office > Nagornoe office 3 Kooperativnaya Ul., Sechenovo village, 6/1 Malaya Pokrovskaya Ul., Sechenovsky District, Nizhny Novgorod Nizhny Novgorod, 603000, Russia Region, 607580, Russia tel: +7 (83145) 7-33-90 tel: +7 (83193) 2-12-11

68 >> 15th Anniversary WWW.SOGAZ.RU 69 “SOGAZ” Insurance Group 15 PAGES OF HISTORY REPRESENTATIVE OFFICES OF OJSC “GAZPROMMEDSTRAKH” Annual Report 2007

> Buzuluk office > Donetsk office > Saransk branch > Karelia directorate 10 Gaya Ul., Buzuluk, Orenburg Region, 67 Prospekt Mira, Donetsk, 60 Bolshevistskaya Ul., Saransk, 6 Shotmana Ul., office 1, Petrozavodsk, 461040, Russia Rostov Region, 346330, Russia Republic of Mordovia, 430005, Russia Republic of Karelia, 185035, Russia tel: +7 (35342) 5-52-78 tel: +7 (86368) 2-08-62 tel: +7 (8342) 23-28-21 tel: +7 (8412) 78-31-83 fax: +7 (8342) 23-28-17 > Mednogorsk office > Dubovskoye office Makarova Maria Nikolaevna > Surgut branch 10 Kirova Ul., Mednogorsk, 88 Pervomayskaya Ul., 16 Ostrovskogo Ul., Surgut, Tyumen Orenburg Region, Dubovskoye village, Rostov Region, > Smolensk branch Region, Khanty-Mansi Autonomous 462270, Russia 347410, Russia 22 Tenishevoy Ul., District, 628416, Russia tel: +7 (35379) 3-10-23 tel: +7 (86377) 2-05-74 Smolensk, 214018, Russia tel: +7 (3462) 22-09-09 tel: +7 (4812) 35-80-10 fax: +7 (3462) 22-09-09 > Orsk office > Yegorlykskaya office fax: +7 (4812) 35-80-13 Mikhailov German Vladimirovich 17 Krupskoy Ul., Orsk, 32 Stepnaya Ul., Stolyarov Andrey Alekseevich Orenburg Region, Yegorlykskaya stanitsa, > Syktyvkar branch 462431, Russia Rostov Region, 347660, Russia > Saratov branch 92 Pervomayskaya Ul., tel: +7 (86370) 2-17-17 8 Prospekt S.M. Kirova, Saratov, Syktyvkar, Republic of Komi, > Petropavlovsk-Kamchatsky branch 410600, Russia 167000, Russia 9/4 Pyatidesyati Let Oktyabrya Prospekt, > Zimovniki office tel: +7 (8452) 63-01-48 tel: +7 (8212) 44-57-32 office 1, Petropavlovsk-Kamchatsky, 13A Lenina Ul., Zimovniki village, fax: +7 (8452) 79-16-17 fax: +7 (8212) 44-57-45 683031, Russia Rostov Region, 347460, Russia Burdanova Nadezhda Fedorovna Tarbeev Aleksey Nikolaevich tel: +7 (4152) 23-60-94 tel: +7 (86376) 4-01-16 fax: +7 (4152) 26-02-92 > Petrovsk office > Vorkuta office Buryonko-Kopytko Vera Borisovna > Novoshakhtinsk office 10 Moskovskaya Ul., Petrovsk, 6B Mira Ul., Vorkuta, 48 Rikharda Zorge Ul., Novoshakhtinsk, Saratov Region, 412540, Russia Republic of Komi, 169900, Russia > Purovsky branch Rostov Region, 346900, Russia tel: +7 (84555) 2-89-95 tel: +7 (82151) 3-52-65 7A Pervaya Rechka Ul., tel: +7 (86369) 2-50-27 office 10, Tarko-Sale village, > Centralnoye office > Vuktyl office Purovsky District, Tyumen Region, > Orlovsky office 110A Prospekt Pyatidesyati Let 5 Komsomolskaya Ul., office 2, Yamalo-Nenets Autonomous District, 8 Transportnaya Ul., Oktyabrya, Saratov, 410052, Russia Vuktyl, Republic of Komi, 629850, Russia Orlovsky village, Rostov Region, tel: +7 (8452) 67-05-69 169570, Russia tel: +7 (34997) 2-40-04 347510, Russia tel: +7 (82146) 2-33-26 fax: +7 (34997) 2-44-40 tel: +7 (86375) 3-26-84 > Engels office Demchenko Irina Ivanovna 5, block 8, Engels-19, > Izhma office > Chertkovo office Saratov Region, 413119, Russia 66/5 Khatanzeiskogo Ul., Izhma village, > Rostov branch 94 Pionersky Pereulok, tel: +7 (8453) 75-50-53 Republic of Komi, 169460, Russia 132/37 Sotsialisticheskaya Ul., office 3, Chertkovo village, Rostov Region, tel: +7 (82140) 9-80-24 REPRESENTATIVE OFFICES OF OJSC “GAZPROMMEDSTRAKH” Rostov-on-Don, 344006, Russia 346000, Russia > Saint Petersburg branch 15 PAGES OF HISTORY tel: +7 (863) 227-76-71 tel: +7 (918) 532-03-93 6/2 Griboedova Canal Nab., office 300, > Inta office fax: +7 (863) 269-88-23 Saint Petersburg, 191186, Russia 24A Mira Ul., Inta, Altukhov Valery Anatolievich > Ryazan branch tel: +7 (812) 438-14-38 Republic of Komi, 169840, Russia 53 Seminarskaya Ul., fax: +7 (812) 438-14-39 tel: +7 (82145) 6-84-16 > Gukovo office Ryazan, 390000, Russia Akulin Igor Mikhailovich 4A Kooperativnaya Ul., Gukovo, tel: +7 (4912) 25-43-44 Rostov Region, 347880, Russia fax: +7 (4912) 76-17-01 tel: +7 (86361) 3-41-89 Yudin-Besedin Viktor Nikolaevich

70 >> 15th Anniversary WWW.SOGAZ.RU 71 “SOGAZ” Insurance Group 15 PAGES OF HISTORY REPRESENTATIVE OFFICES OF OJSC “GAZPROMMEDSTRAKH” Annual Report 2007

> Troitsko-Pechorsk office > Kolpashevskoye office > Kabansk office > Yanaul office 11, block “Yuzhny”, 31 Sovetskaya Ul., 14 Oktyabrskaya Ul., 14 Mayakovskogo Ul., Yanaul, Troitsko-Pechorsk urban village, office 9, Togur village, Kabansk village, Kabansky District, Republic of Bashkortostan, Russia Republic of Komi, Kolpashevsky District, Buryat Republic, 671200, Russia 169420, Russia Tomsk Region, 636420, Russia tel: +7 (30138) 4-11-53 > Oktyabrsky office tel: +7 (82138) 9-21-10 tel: +7 (38254) 5-56-96 14 Sverdlova Ul., Oktyabrsky, > Kyakhta office Republic of Bashkortostan, Russia > Ust-Tsilma office > Tyumen branch 33 Lenina Ul., Kyakhta, 36 Sovetskaya Ul., Ust-Tsilma village, 18 Lunacharskogo Ul., bld. 1, Buryat Republic, > Meleuzovskoye office Republic of Komi, 169480, Russia Tyumen, 625001, Russia 671840, Russia Nugush village tel: +7 (82141) 9-14-77 tel: +7 (3452) 42-76-00 tel: +7 (30142) 9-19-30 (recreation department “Zolotoy Kolos”), fax: +7 (3452) 42-78-55 Republic of Bashkortostan, Russia > Ukhta office Davydova Bella Yakovlevna > Bichura office 1A Kosmonavtov Ul., Ukhta, 43 Sovetskaya Ul., > Sharanskoye office Republic of Komi, 169300, Russia > Ishim office Bichura village, Buryat Republic, Chalmaly village (“Bashtrangaz” LLC), tel: +7 (82147) 2-29-42 19 Sovetskaya Ul., 671360, Russia Republic of Bashkortostan, Russia Ishim, Tyumen Region, tel: +7 (30133) 5-22-55 > Tomsk branch 627750, Russia > Dmitrievka office 4 Zagornaya Ul., tel: +7 (34551) 2-35-56 > Chita directorate Office of “Bashtransgaz” LLC, Tomsk, 634050, Russia 36 Bogomyakova Ul., Dmitrievka village, Ufa District, tel: +7 (3822) 28-49-00 > Tobolsk office Chita, Chita Region, Republic of Bashkortostan, Russia fax: +7 (3822) 28-49-13 85 4th Micro-district, office 416, 672000, Russia Kektyshev Philipp Anatolievich Tobolsk, Tyumen Region, tel: +7 (3022) 35-40-03 > Arkaulovo office 626150, Russia Arkaulovo Gas main line production > Aleksandrovsko-Strizhevskoye office tel: +7 (34511) 2-35-56 > Ufa branch office of “Bashtransgaz” LLC, 32 Orudzheva Ul., office 2, 97 Chernyshevskogo Ul., Ufa, Arkaulovo village, Salavat District, Aleksandrovskoye village, > Ulan-Ude branch Republic of Bashkortostan, Republic of Bashkortostan, Russia Tomsk Region, 636760, Russia 24 Prospekt Pyatidesyati Let 450077, Russia tel: +7 (38255) 2-42-58 Oktyabrya, Zheleznodorozhny District, tel: +7 (3472) 29-90-05 > Moskovo office Ulan-Ude, Buryat Republic, fax: +7 (3472) 29-90-11 Dyurtyulinskoye Gas main line production > Parabelsko-Kargasokskoye office 670034, Russia Magdanov Ildar Ziganurovich office of “Bashtransgaz” LLC, 26 Komsomolskaya Ul., tel: +7 (3012) 46-65-15 Moskovo village, Dyurtyulinsky District, Parabel village, Tomsk Region, fax: +7 (3012) 46-65-20 > Gafuriyskoye office Republic of Bashkortostan, Russia 636600, Russia Gavrilov Yury Anatolievich 23/3 Kommunisticheskaya Ul., tel: +7 (38252) 2-17-86 Krasnousolsky village, > Karmaskalinskoye office > Dzhidinskoye office Gafuriysky District, Karmaskalinskoye Gas main line REPRESENTATIVE OFFICES OF OJSC “GAZPROMMEDSTRAKH” > Molchanovsko-Krivosheinskoye office 6 Kirova Ul., Republic of Bashkortostan, production office of “Bashtransgaz” LLC, 15 PAGES OF HISTORY 7 Neftyannikov Pereulok, office 1, Petropavlovka village, 453050, Russia Ulianovka village, Karmaskalinsky Molchanovo village, Tomsk Region, Dzhidinsky District, District, Republic of Bashkortostan, Russia 636330, Russia Buryat Republic, 671920, Russia > Ishimbay office tel: +7 (38256) 2-16-69 tel: +7 (30134) 4-10-94 76 Sovetskaya Ul., Ishimbay, > Kumertau office Republic of Bashkortostan, Kanchurinsky station of 453210, Russia “Bashtransgaz” LLC, Kumertau, tel: +7 (34763) 9-58-34 Republic of Bashkortostan, Russia

72 >> 15th Anniversary WWW.SOGAZ.RU 73 “SOGAZ” Insurance Group 15 PAGES OF HISTORY REPRESENTATIVE OFFICES OF OJSC “GAZPROMMEDSTRAKH” Annual Report 2007

> Priyutovo office > Davlekanovskoye office > Salavat office > Khabarovsk branch Priyutovo village (Priyutovo gas main 2A K. Marksa Ul., Uchaly, 22 Kolkhoznaya Ul., Salavat, Republic 44 Muravyova-Amurskogo Ul., line production office of “Bashtrangaz” Republic of Bashkortostan, Russia of Bashkortostan, 453250, Russia Khabarovsk, 680000, Russia LLC), Belebeevsky District, tel: +7 (34794) 2-21-66 tel: +7 (4212) 31-07-93 Republic of Bashkortostan, Russia > Mechetlinskoye office fax: +7 (4212) 31-50-31 22 Lenina Ul., > Sterlibashevo office Bakulin Mikhail Aleksandrovich > Sterlitamak office Bolsheustikinskoye village, 6 Tukaeva Ul., Sterlibashevo village, Gas pipeline, Sterlitamak-2 Republic of Bashkortostan, Russia Republic of Bashkortostan, > Komsomosk-na-Amure office (Sterlitamak gas main line production 453180, Russia 33 Oktyabrsky Prospekt, office of “Bashtrangaz” LLC), > Kaltasy office tel: +7 (34739) 2-16-19 Komsomolsk-na-Amure, Republic of Bashkortostan, Russia 64 K. Marksa Ul., Kaltasy village, Khabarovsk Territory, Republic of Bashkortostan, Russia > Miyakinskoye office 681021, Russia > Sibay office 101 Gubaidullina Ul., tel: +7 (42175) 4-40-08 Selkhoztekhniki village, Sibay > Askino office Kirgiz-Miyaki village, (Sibay gas main line production 5A Sovetskaya Ul., Askino village, Republic of Bashkortostan, Russia > Nikolayevsk-na-Amure office office of “Bashtrangaz” LLC, Republic of Bashkortostan, Russia 100 Sovetskaya Ul., office 10, Republic of Bashkortostan, Russia > Bizhbulyak office Nikolayevsk-na-Amure, > Dyurtyuli office 66 Tsentralnaya Ul., Khabarovsk Territory, > Blagoveshchenskoye office 9 Gorshkova Ul., Dyurtyuli, Bizhbulyak village, 682460, Russia Bedeevo-Polyansk Rural District Republic of Bashkortostan, Russia Republic of Bashkortostan, Russia tel: +7 (42135) 2-20-11 (Polyansk gas main line production office of “Bashtrangaz” LLC), > Chekmagush office > Khaybullinskoye office > Sovetskaya Gavan office Blaloveshchensky District, 47 Lenina Ul., Chekmagush 39 Prospekt S. Yulaeva, 8 Lenina Ul., Sovetskaya Gavan, Republic of Bashkortostan, Russia village, Republic of Bashkortostan, Akyar village, Republic Khabarovsk Territory, Russia of Bashkortostan, Russia 682800, Russia > Beloretskoye office tel: +7 (42138) 4-02-01 Verkhny Avzyan village (Verkhny Avzyan > Bakaly office > Ilishevskoye office emergency repair station of Sibaysk 14 Krasnoarmeyskaya Ul., 26A Pushkina Ul., > Chegdomyn office gas main line production office of Bakaly village, Verkhneyarkeevo village, 10 Blyukhera Ul., “Bashtrangaz” LLC), Beloretsk District, Republic of Bashkortostan, Russia Republic of Bashkortostan, Russia Chegdomyn industrial village, Republic of Bashkortostan, Russia Verkhnebureinsky District, > Abzelilovskoye office > Karaidel office Khabarovsk Territory, > Urgala office 10 Davletova Ul., 13/3 Mira Ul., Karaidel village, 682030, Russia Urgala village (Urgala gas main line Askarovo village, Abzelilovsky District, Republic of Bashkortostan, Russia tel: +7 (41149) 5-27-98 production office of “Bashtrangaz” LLC), Republic of Bashkortostan, Russia Belokataysk District, Republic > Buzdyak office > Central branch REPRESENTATIVE OFFICES OF OJSC “GAZPROMMEDSTRAKH” of Bashkortostan, Russia > Birsk office 1 Lenina Ul., Buzdyak village, Business-Center, Gazoprovod village, 15 PAGES OF HISTORY 144A Mira Ul., Birsk, Republic of Bashkortostan, Russia Leninsky District, Moscow Region, > Fyodorovka office Republic of Bashkortostan, Russia 142770, Russia 46 Lenina Ul., Fyodorovka village, > Iglino office tel: +7 (495) 982-38-21 Republic of Bashkortostan, > Tuymazy office 1A Lenina Ul., Iglino industrial village, fax: +7 (495) 982-38-21 453280, Russia 45/1 Gafurova Ul., Tuymazy, Republic of Bashkortostan, Russia Savchenko Natalia Sergeevna tel: +7 (34764) 2-28-76 Republic of Bashkortostan, Russia

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> Vladimir directorate > Yuzhno-Sakhalinsk branch 63-II Bolshaya Nizhegorodskaya Ul., 135 Dzerzhinskogo Ul., Vladimir, 600020, Russia Yuzhno-Sakhalinsk, 693001, Russia tel: +7 (4922) 23-43-73 tel.: +7 (4242) 42-26-84 fax: +7 (4242) 42-26-84 > Voronezh directorate Baranovsky Valery Genrikhovich 103 Dvadtsatiletiya Oktyabrya Ul., offices 332–334, Voronezh, > Kholmsk office 394006, Russia 2A Kapitanskaya Ul., office 2, tel: +7 (4732) 32-21-14 Kholmsk, Sakhalin Region, 694620, Russia > Voskresensk office tel: +7 (42433) 5-29-80 28 Zheleznodorozhnaya Ul., Voskresensk, Moscow Region, > Yugorsk branch 140200, Russia 9A Soroka Let Pobedy Ul., Yugorsk, tel: +7 (496) 442-20-73 Tyumen Region, Khanty-Mansi Autonomous District, 628260, Russia > Tver directorate tel: +7 (34675) 2-22-67 5 Yerofeeva Ul., Tver, fax: +7 (34675) 2-20-56 170034, Russia Kramynin Radion Vladimirovich

> Chaykovsky branch > Yaroslavl branch 29 Vokzalnaya Ul., Chaykovsky, 27, Sobinova Ul., bld. 2, Perm Region, 617760, Russia Yaroslavl, 150003, Russia tel: +7 (34241) 3-55-77 tel.: +7 (4852) 31-38-28 fax: +7 (34241) 6-76-55 fax: +7 (4852) 31-42-41 Akbarova Venera Fanusovna Zhukova Olga Nickolayevna REPRESENTATIVE OFFICES OF OJSC “GAZPROMMEDSTRAKH”

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