RAIFFEISEN BANK SA

PRODUCTS AND SERVICES A. Corporate Banking Services Account and Payment Services: - Current account services in ROL and FX; - Domestic and international funds transfer services; - Commercial check collection; - Cash payments; - Cash Management; - Electronic Banking; - Smart Tel TM SMS - Banking info by mobile phone; - Suppliers invoice direct payment; - VISA Business Cards and Eurocard/Mastercard in ROL & hard currency. Loans: - Credit lines; - Trade Finance Short & Medium-term Loans; - Structured Loans; - Project & Investment Finance. Documentary business and Guarantees: - Export L/C; - Import L/C; - Documentary Collections; - Structured Trade Finance; - Guarantees in ROL & hard currency; - Bid-, Performance, Advance Payment Bonds and Payment Guarantee, Standby L/Cs; - Forfeiting and Factoring. Treasury Services: - Term Deposits in ROL & hard currency; - FX Spot Transactions; - FX Forward Transactions; - Treasury Bills. B. Retail Banking Services - Domestic and International Funds Transfer Services; - "Visa Classic" and "Eurocard/Master Card" cards in ROL & hard currency; - ROL cash release by 490 ATMs all over the country; - Term deposits and current accounts in ROL and hard currency; - Insurance; - Mortgage, car and consumer Loans; - Cash Payments; - Smart Tel TM SMS - Banking info by mobile phones Short Message System; - Foreign Exchange; - my Banking - mobile banking; - Raiffeisen Direct - telephone banking; - Direct debit for suppliers payment.