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Mortgage deals - another driver of new contract sales Number of mortgage contracts Share of mortgage sales, % 368 +47% 542 21% +7pp 28% • 3Q 2013 3Q 2014 3Q 2013 3Q 2014 Selected mortgage partners СБЕРБАНК Highlights Etalon Group offers mortgage programmes with major domestic and international banks, including Sberbank, VTB Group, Societe Generale (Rosbank), Raiffeisen Group and Absolut Bank Joint programmes established with 23 banks and special mortgage agencies to offer flexible financing options: minimum down payment: 0 - 30% maturity: 1 30 years interest: • from 10.5% in RUB from 10% in EUR • ⚫ from 10.5% in USD Despite the generally hawkish interest rate policy demonstrated by the Central Bank of Russia in 1H 2014, the average mortgage rate actually declined by 16 bps to 12.24% (1) Average mortgage rate dynamics in Russia (2) ВТБ24 ГАЗПРОМБАНК Открытие 12.8% 12.70% Банк 12.60% 12.40% 12.4% 12.28% РОСБАНК Х Райффайзен БАНК Разница в отношении SOCIETE GENERALE GROUP БАНК CAHKT. ПЕТЕРБУРГ БАЛТИНВЕСТБАНК 12.0% Dc 11.6% ХАНТЫ-МАНСИЙСКИЙ Связь Банк Абсолют Банк УРАЛСИБ БАНК Source: Company data Etalon Group 12.24% 12.20% 12.16% (1) (2) CBR data Aug-13 Sep-13 Oct-13 Nov-13 Dec-13 Based on CBR data for January 2013 and October 2014 Jan-14 Feb-14 Mar-14 Apr-14 May-14 Jun-14 Jul-14 Aug-14 Sep-14 Oct-14 24 24

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