Citibank Alerting Service

	Type / Description SMS Template Debit on account (online alert) All debit transactions (ATM withdrawals, outgoing transfers etc), except point-of-sale (POS) debit and bank fees. Debit 15000.00 RUR from account **1234 Transaction: External Transfer Date: 26/02/11 Balance (incl. credit limit): RUR 14000.00 Debit on card (online alert) All debit transactions at point-of-sale (POS) terminals. Debit RUR 12000.00 from account **1234 Point of sale: AEROFLOT MO Date: 02/21/11 Balance (incl. credit limit): RUR 200123.11 Credit on account (online alert) All credit transactions (incoming fund transfers, salary credit, ATM cash deposit) Credit RUR 12000.00 to account **1234 Transaction: Internal Transfer Date: 02/21/11 Balance (incl. credit limit): RUR 12100.00 Balance on all accounts (offline alert) Balance on all accounts (offline alert) Balances (incl. cred. limit) on 12/31/10: **1234: RUB 1000.00 **1235: RUB 1000.00 **1236: USD 1000.00 **0111: USD 1000.00 **3121: EUR 1000.00 **5412: EUR 1000.00 Account overdraft (offline alert) Messages about overdraft on your account Overdrawn amount: RUB 20100.00; date 01/22/10; account **2111 Time deposit Time deposit subscription (offline alert) Time deposit is placed Amount: RUB 20000.00 Interest Rate: 21% Tenor: 36 Maturity date: 12/31/10 Time deposit maturity (offline alert) Time deposit (account number **1234) for amount EUR 100000.00 is maturing on 12/31/10, maturity value is EUR 100002.00 Time deposit redemption (offline alert) Time deposit (account number**1234) for RUB 200000.00 matured on 11/21/10 and automatically transferred to account **4001

	Type / Description SMS Template Debit on card for primary cardholder (online alert) All debit transactions (ATM withdrawals, point-of-sale(POS) terminals) except bank fees (to modify for this). Payment to card account **1241 Amount: RUB 1000000.00 Date: 11/22/10 Available balance: RUB 30000000.00 Card repayment confirmation (offline alert) Notification about repayment confirmation. Credit: 1500.00 RUB; transaction: CC repayment; credit card: 1562; date: 01.02.08 Minimum due reminder Min Due reminder is sent 3 days before payment. Min due: 857.00 RUB; pay till 11.03.08; credit card: 0524; available balance: 27860.00 RUB Credit limit 80% nearing maximum (offline alert) Credit limit 80% nearing maximum 80% of your credit limit is used Credit card: **3212 Available balance: RUB 310000.00 Date: 05/16/10 Debit on supplementary card for supplementary card holder (online alert) Debit on supplementary card for supplementary card holder Debit: 280.00 RUB; sup.card: 0412; transaction: MEGAFON AUTOPOPOLNENIE Mo Txn Des M/P ORDR; date: 02.03.08 Card Delinquency (offline alert) Card Delinquency Past due notice. Amount: 2500.00 RUB; due date: 10.02.08; credit card: 0524