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A subsidiary of Vneshtorgbank to operate under 'Vneshtorgbank 24' brand

6 June 2005

On June 6, 2005, an extraordinary general meeting of GUTA-BANK shareholders, which is a subsidiary bank of Vneshtorgbank, was held. The shareholders approved changes to be made to the Bank`s Charter allowing the closed joint-stock company "Commercial bank for developing entrepreneurship "GUTA-BANK" to be renamed into Vneshtorgbank Retail Financial Services (a closed joint-stock company).

A short name of the Bank is JSC Vneshtorgbank Retail Financial Services.

The changes to the Charter approved by the extraordinary general meeting of the Bank`s shareholders will be made effective after a corresponding entry is made into the State Register of Legal Entities.

On the retail services market, the Bank shall operate under the `Vneshtorgbank 24` brand. It will offer a full range of banking services to its customers - small businesses and individuals. Through applying leading-edge technologies, including on-line facilities, some services will be made 24 hours available to the households.

No doubt, Vneshtorgbank 24 performance will contribute to better servicing and wider lending of the households and small businesses by the VTB Group. These opportunities will be gained through simplifying decision-making procedures and accelerating adaptation of the Bank`s product line to its customers` current needs.

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