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Joint programs established with major banks, yet modest dependency on mortgages due to flexible pre-sale installment plans Share of mortgage sales,% 12% 10% 11% 8% 6% 6% 4% 2% 0% СБЕРБАНК РОССИИ ВТБ24 ГАЗПРОМБАНК 10% 10% 7% РОСБАНК Райффайзен БАНК Разница в отношении JIC HOMOC БАНК 1Q 2011 2Q 2011 3Q 2011 4Q 2011 1Q 2012 Highlights • We offer mortgage programs with major domestic and international banks, including Sberbank, VTB Group, Societe Generale (Rosbank), Raiffeisen Group and KBC Group (Absolute Bank) Joint programs are established with 17 banks and offer flexible financial options: - down payment: 10-30% - maturity: 1-30 years - interest: from 10% in Euro from 7.9% in RUR from 10.5% in USD БАНК САНКТ- ПЕТЕРБУРГ Абсолют Банк Связь Банк И ПЕТРОВСКИЙ БАНК БАЛТИНВЕСТБАНК ИНВЕСТИЦИОННЫЙ ТОРГОВЫЙ БАНК УНИКОМ ВАНИ МИРАФ БАНК УНИВЕРСАЛЬНАЯ ИПОТЕЧНАЯ КОМПАНИЯ EBPOTPACT • We enjoy modest dependency on mortgage financing for our flexible pre-sale installment plans Etalon Group Открытие Dc открытое иционерное общество ХАНТЫ-МАНСИЙСКИЙ БАНК 023

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