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Retail Banking Term Deposits Fixed Term Deposits "Seasonal Cumulative" Deposit "Classic plus" Deposit "Prestige plus" Deposit "New Pension" Deposit "Investment" Deposit Demand deposit Current pension account Demand deposit Current Insured deposits Payments to bank depositors under insured accidents Tax liability Loans Cash Loan Insurance QUICKloan Car loans Loan for new cars Loan for used cars "Light" Car Loan Car showrooms in Moscow Insurance Additional information Loan Restructuring Programme Mortgages New Homes Market Credit for purchasing a new-build apartment Credit for purchasing a new-build apartment against mortgage of existing housing Existing Homes Market Credit for purchasing an apartment, detached residence or townhouse Credit for purchasing an apartment, detached residence or townhouse against mortgage of existing housing Land Mortgage Loan to Build a House Consumer loan against mortgage of real estate Refinancing loans Refinancing mortgage loans of other banks Refinancing mortgage loans previously issued by OAO Bank of Moscow Restructuring loans Concessional refinancing of mortgaged loans in CHF and JPY Special Conditions Plastic Cards Credit cards Salary clients Terms of issue List of documents for obtaining a credit card Where to apply for a card Payments on credits Methods of Credit Reboot Gift card Special programmes for holders of plastic cards Debit cards Visa cards MasterCard UnionCard Documents for registration Where can a card be replenished? Bonus and discount cards Visa Electron "Bank of Moscow — Golden Mean" Where can a card be issued? Methods of Credit Reboot with a Credit Card Social card Muscovite’s Social Card (MCC) for pensioners and privileged categories of citizens — Visa Electron Student Card — Visa Electron Where can the card be replenished? Special Internet card (Visa-Virtuon) Visa Virtuon Where can the card be replenished? Limits for cash withdrawal in cash machines and retail outlets Details for cash-free transfer Questions and answers Investment Mutual Funds What is a mutual fund? Asset Management Payments and Transfers Payment of services Residential and utility payments Mobile communications Internet Long-distance and international communications Commercial TV OSAGO Payment Money Transfers Western Union Transfers Charity contributions Services offered through post offices Cash withdrawal by plastic cards in post offices Pensions and allowances payment Easy Payment

Services Pledged property realisation Cars Residential real estate, land plots Currency exchange and cheque operations Currency exchange operations Visa TravelMoney Cash Passport Traveller’s cheques Acceptance of cheques for collection Tariffs Keeping of values in individual safes Tariffs Services in the market of precious metals Sale of precious metals Sale of precious metal coins Depositary Services Remote Banking Remote sales Over the Call Centre Over the Website Web-banking Call Centre services Automatic telephone bank SMS Banking Special Programs

Private Banking Asset Management   Elite Plastic Cards   Visa Infinite Cards More on Visa Infinite Loans   Precious Metals   Premium Club   Consulting   Remote Banking  Broker Services (Internet-Trading) Branches   Zhukovka Branch Kuznetsky Most Branch Corporate Banking Loans Small Business Lending Micro-loans Business development loans Express overdraft The fund for promoting small business loans Medium-Sized Business Lending Lease Financing Terms and Conditions Terms and conditions of Loans for the Purchase of Vehicles by Legal Entities Loans for participating in an electronic auction Insurance Appraisers and appraisal organisations Plastic Cards Organization of emission and service of bank cards of international payment systems for agent banks Description Emission Trade acquiring Cash-acquiring Round-the-clock client service Additional services Realization of salary projects Execution and servicing of corporate plastic cards Eurocard/MasterCard Business Visa Business UnionCard Visa Gold Eurocard/MasterCard Gold Cards Metro Cash&Carry Customs Cards Acquiring Asset Management Securities Asset management Deposit Operations Deposit transactions Transactions involving bills of exchange and deposit certificates Trade Finance Trade financing and foreign trade servicing Letter of credit with post-financing for up to 3 years Long-term import financing including ECA from 3 to 7-10 years Pre-export financing Letters of credit with payment by instalments Letters of credit Guarantees Tariffs Product presentation Services Sales of Pledged Property Sales of pledged property by the clients of the Bank of Moscow Sales of the Pledged Property of the Bank of Moscow Sales of the Property of the Bank of Moscow Settlement and Cash Services of Rouble and Foreign Currency Accounts Currency Control Currency Control Document forms and their completion Procedure and time schedule for submission of documents Violation of the exchange legislation Regulatory documents Counter Payment Transfer Operations in Foreign Currency and RF Roubles Conversion Operations Keeping of values in individual safes Depositary Services Services in the market of precious metals Sale of precious metals Sale of precious metal coins Remote Banking Bank-Client Call centre services Automatic Telephone Bank

About the Bank Corporate Governance List of Authorised Signatures Mission Group Structure Social Responsibility General Information Correspondent Network Licence Tariffs and fees For individuals 2.1. Opening, maintenance and closing of the deposit account 2.2. Transfer operations 2.3. Tariffs for operations with cash and cheques 2.4. Storage of valuables in individual bank safes 2.5. Operations with plastic cards 2.5.1. Tariffs for the issue and servicing of VISA, Eurocard/MasterCard, Maestro, Union Card bank cards 2.5.2. Tariffs for the issue and servicing of VISA Virtuon cards 2.5.4. Tariffs for the issue and servicing of American Express cards 2.5.5. Special Tariffs 2.5.6. Tariffs for disbursement of cash 2.5.9. Bank commission for express card delivery (at the customer's request ) 2.5.10. Tariffs for the issue and servicing of VISA credit cards 2.5.11. Tariffs for the issue and servicing of Social cards 2.6. Depositary service 2.7. Operations with precious metals 2.8. Guarantee operations in Russian rubles and foreign currency 2.9. Internet Bank - Client system 2.10. Telephone calls processing centre of the Bank 2.11. Crediting 2.12. Trust management 2.13. "State housing certificates" subprogram 2.14. Salary projects 2.14.1. Operations with bank cards issued within the framework of salary contracts with organisations 2.14.2. Operations with additionally issued bank cards 2.14.3. Operations with deposit and current accounts 2.16. Operations with documentary letters of credit in Russian rubles 2.17. SMS notices sent to individuals on operations with share investment funds Broker operations Notes Legal entities 1.1. Opening, servicing and closing the account 1.2. Transfers 1.3. Encashment operations (in foreign currency) 1.4. Operations with the documentary letters of credit 1.5. Guarantee Operations (Including Bank Guarantees and Reserve Letters of Credit of Standby Type) 1.6. Conversion Operations 1.7. Currency Control and Payments under the Transaction Certificates by the Bank 1.8. Operations with cash Funds and Cheques 1.9. Operations with Securities 1.10. Operations with Plastic Cards 1.10.1. Rates according to Eurocard/MasterCard 1.10.2. Rates according to Visa Cards 1.10.3. Rates according to Union Cards (corporate) 1.10.5. Rates according to Diners Club Cards (corporate) 1.10.7. Rates for Operations with Customs Cards 1.10.8. Tariffs for servicing of trade and service enterprises for making settlements on operations in payment for goods/services by bank card 1.10.9. Tariffs for payment of remuneration for cards withheld by trade and service enterprise cashiers 1.11. Depositary Servicing 1.12. Operations with Precious Metals 1.13. Storage of Valuables in Personal Safe Deposits 1.14. Trust Management 1.15. Commission Fees for the Loan Operations 1.16. Commission Fees for the Exchange of Information with the Central Catalogue of Credit Histories 1.17. Bank commission rates for broker operations in selling the "MOS-BROKER" product 5.6. Conversion operations Correspondent banks 3.1. Opening, maintenance and closing of an account 3.2. Transfers 3.3. Operations with documentary letters of credit 3.4. Collection operations 3.5. Operations with cash money and cheques 3.6. Guarantee operations 3.7. Conversion operations 3.8. Depositary service 3.9. Bank-Client system 3.10. Trust management 3.11. Internet Bank - Client system Notes Notes to the Tariffs Notes for individuals Notes for legal entities Notes for correspondent banks Notes Notes to Tariffs for depositary servicing