AlfaStrakhovanie Group: One of the leading insurance companies in Russia Built with decades of expertise in the insurance industry, AlfaStrakhovanie Corporation became one of the largest Russian insurance companies with a diversified portfolio of services including both comprehensive business insurance coverage and an extensive range of retail insurance products. Our firm is a part of the financial and industrial Alfa Group Consortium together with Alfa-Bank, X5 Retail Group, A1 Group, Alfa Capital Management, and Rosvodokanal Group. Alfa Group is one of Russia's premier privately owned investment consortiums. We offer more than 100 products for private and corporate customers. Due to our renowned reputation in Russia, our firm has approximately 400 offices and branches across the country. Our services are currently being used by more than 22 million individuals and more than 435,000 companies. Noted for being a strong and committed company, AlfaStrakhovanie Corporation constantly strives harder to enhance their services and develop new insurance products to meet and even exceed their client needs. Furthermore, our firm is also considered as a comprehensive insurance company that has licenses for 98 types of insurance, including credit insurance. This allows our firm to deliver seamless insurance protection to our clients. One of the reasons why we have a lot of many experienced, mid- level and junior employees is simply because our firm is a great place to learn and develop an individual's career. Our firm also comprised of AlfaStrakhovanie PLC, AlfaStrakhovanie-Life LLC, AlfaStrakhovanie-MS LLC, AlfaStrakhovanie-OMS LLC, Medicine AlfaStrakhovanie LLC, AlfaMedProject LLC, AsStra Medical Insurance Company LLC and Syberia Medical Insurance Organization PLC. Companies within our firm have operated in the insurance market for more than 17 years. Based on the rating of Expert RA rating agency, our firm is in the top 10 leading companies in the insurance market. Only recently, Expert RA confirmed its highest level A++ of reliability rating assigned in 2003. This grade indicates the high probability of our firm meeting our financial liabilities even under unfavorable economic conditions. Our firm also received Financial Strength Rating from Fitch Ratings. During the years of 2012 and 2013, our firm obtained multiple professional awards. An example of which is during the RuStrakhovka Awards, where our website won as the most user-friendly website. Our firm was also a winner of the Golden Salamander All-Russian Prize in five categories and received the title IT-Leader of the insurance market. Our top management held the leading positions at the top 1000 best Russian managers, which is supported by the Russian managers association and Kommersant publishing house. .