“INDIGO” INSURANCE COMPANY

Presentation 2012

General Information About The Company

The “Indigo” Insurance Company has been successfullyworking and actively developing, strengthening its positions at theinsurance market for six years.

Shortly about “Indigo” IC:• Created on September 4, 2006.• Has licenses on17 voluntary and 8 compulsory types of insurance.• Provides high-quality reinsurance coverage of the insured risks

accepted for insurance.• Is represented in 6 cities of Ukraine with head office in Kyiv city. • The staff numbers 153 employees.

“Indigo” IC at the Insurance Market of Ukraine

Participation in Organizations

“Indigo” IC is a member of professional unions of Ukraine:

• League of Insurance Organizations of Ukraine ( “Indigo” IC elected in Presidium of ULIO for the period of 3 years).

• Ukrainian Constructors Confederation (General Director of “Indigo” IC has been elected as a Member of the Confederation Council of Directors).

• National Insurance Indemnity Club.• American Commercial Chamber in Ukraine.

The Company Achievements

The “Indigo” IC participates in the rating “Insurance TOP-100” – a leader in the area of information provision of the insurance and reinsurance market in Ukraine:

Indices12 months

2007 12 months

200812 months

2009 12 months

2010 12 months

2011

Entry of bonuses(insurance payments)

63rd place 32nd place 51st place 56th place 49th place

Аssets 82nd place 62nd place 57th place 68th place 70th place

Insurance reserves 63rd place 81st place 39th place 54nd place 44th place

Payment of insurance indemnities

48th place 26th place 24th place 31th place 35th place

Payment level 48th place 36th place 4th place 13th place 39th place

The Company Achievements

According to the rating of “Insurance Top”,by the results of its 12 month of 2011activity the “Indigo” IC entered to the ТОP-100companies by the following insurance types:

 Type of Insurance12 months

2008 12 months

200912 months

201012 months

2011

AutoKASKO 16th place 23rd place 24th place 27th place

Voluntary insurance of civil liability of the surface transport owners

20th place 22nd place 24th place 18th place

Voluntary medical insurance n/p - 50th place 23th place

Voluntary cargo and luggage insurance n/p 9th place 16th place 13th place

Voluntary insurance of marine transport - - - 5th place

Voluntary accident insurance - - - 48th place

The Company Achievements

Insurance company “Indigo” took 35th place in the ranking of transparencyUkrainian insurers, published by official publication of the Financial Services Commission “Ukrainian Business Review “ 12 September 2011.

According to “The Brand Rating – The Most expensive corporative brands of Ukraine –2011” (date of rating issue publication: june 2011, Allukrainian rating journal “Gvardiya”),“Indigo” IC takes 16th position among insurance companies.

According to the “National Business-Rating” №7-BR-436 from 25.07.2011(a complex rating program determining the real leaders of the economy of Ukraine only by the State Statistics official data), the State determined the “Indigo” IC as the “Branch Leader 2010”.

According to the “Insurance Companies Stability Rating” (date of publication of the rating issue: April 2011, the Rating Agency “Expert-Rating”), the “Indigo” IC takes the 51th position and is considered as a stable company.

Insurance company “Indigo” has uaBBB+ fiancial rank, According to the decision of National Ranking Agency “Rurik”. March 15, 2012

The Company Achievements

The “Indigo” IC took part in All-Ukrainian Competition for the title of the best enterprise for a family and took the second place in nomination “Care of the Employees and Their Families – 2010”. The competition results were announced in February 2010.

The “Indigo” IC is marked by the Chamber of Commerce and Industry of Ukraine and is recommended as the best representative in the insurance area. By the results of the ratingheld by the Ministry of Finance, and by the Chamber of Commerce and Industry of Ukraine (date of publication the rating issue: January 2011), the “Indigo” IC took the 52nd position among all the insurance companies incorporated in Ukraine and is recognized as a successful insurance company (by the 3rd quarter data 451 insurance companies are incorporated in Ukraine).

According to the International Economic Rating “League of the Bests 2010”, the “Indigo” IC is entitled “THE YEAR 2010 ENTERPRISE”.

On the 21-st of April 2011 the journal “INSURANCE TOP” determined the winners of the “National premium Insurance TOP” and “National Club of insurance idemnities” among which “Indigo” IC was marked as a Leader of Insurance Top in a class “Socialoriented Insurance Company”. This measure took place with taking part of more than 100 top-managers of the most influential players of the insurance market of Ukraine, deputy corpus, embassies, members of the state power and professional unions of the insurance market members.Also,”Indigo” IC is a permanent Member of “The National Club of Insurance Idemnity” and took 31st position for 2010 year among ukrainian insurance companies.

The Insurance Products

The “Indigo” IC has the licenses of 17 voluntary and 8compulsory types of insurance and provides its Clients with thefollowing types of insurance coverage:

• Insurance of the property and technical risks (including the construction and mounting risks).

• Cargo Insurance, transported by any type of transport.• Insurance of all the types of liability (civil, for the goods quality,

professional, forwarding agent / carriers, owners of the surface transport means etc.).

• Transport insurance (road /railroad / sea / air).• Voluntary medical insurance. • Accident insurance.• Insurance of risks related to the tourist travels.• Other types of insurance.

Licenses

List of Licenses of the Right to the Insurance Activity:

1. Voluntary insurance of the third parties liability;2. Voluntary accident insurance;3. Voluntary insurance of the water transport (the carrier’s liability including);4. Voluntary insurance of the water transport owners;5. Voluntary insurance of cargo and luggage;6. Voluntary insurance of credits (the borrower liability for the credit nonredemption included);7. Voluntary insurance of financial risks;8. Voluntary insurance of the fire and risks of natural disaster;9. Voluntary insurance of the issued and accepted guarantees;10. Voluntary health insurance in case of sickness;11. Voluntary medical insurance (continuous health insurance);12. Voluntary property insurance;13. Voluntary insurance of railroad transport;14. Voluntary insurance of surface transport;15. Voluntary insurance of civil liability of the surface transport owners (the carrier’s liability including);16. Voluntary insurance of air transport;17. Voluntary medical expenses insurance18. Compulsory personal insurance of the transport accidents;19. Compulsory insurance of liability of the subjects of dangerous goods transport;20. Compulsory personal insurance of the employees of departmental of fire-fighting system and rural fire protection, members of

volunteer fire protection brigades;21. Compulsory insurance of civil liability of the subjects of management for damage which can be caused by fire or emergency at

high level of danger locations;22. Compulsory insurance of liability of the dogs owners for damage which can be caused to the third persons;23. Compulsory insurance of civil liability of the citizens of Ukraine possessing the weapon, in form of private property or on the

other legal grounds, for damage which can be caused to a third person or to its property.

Reinsurance

The Client interests protection is provided by the partnership

liabilities of the world-known insurance and reinsurance groups

of the EU countries and Russia:

• Swiss Re Europe S.A. (Germany).• Munich Re (Germany).• SCOR Global P&C (France).• Polish Re (Poland).• OJSC “Ingosstrakh” (RF).• OJSC “Russian Reinsurance Society” (RF).

Теrritorial Coverage

KyivDonetskEnergodarLvivOdesaKharkiv

LvivKyiv

Kharkiv

Energodar

Donetsk

Odesa

The “Indigo” IC provides the highest level of servicing of its Clients. For today the Company is represented in all the large regional centers of Ukraine

Financials Indices

Financials of the “Indigo” IC 12 months 2011

Indicator 30.09.2011

Paid authorized fund (thou. UAH.) 30 002,0

Insurance reserves (thou. UAH.) 25 279,3

Accrued insurance bonus (thou. UAH.) 70 060,5

Insurance money payments (thou. UAH.) 22 777,4

Number of insurance contracts (pcs.) 13 887

Financials Indices

The “Indigo” IC insurance payments structure per 12 months 2011

Accrued insurance bonus (thou.UAH) 30.09.2011

Insurance AutoKASKO 26 995,7

Cargo insurance 9 926,7

Property insurance 2 706,4

Financial risks insurance 6 063,4

KASKO insurance of marine transport 2 470,8

Insurance of liability 6 470,9

Voluntary medical insurance 10 743,6

Accident insurance 1 046,4 Travel insurance 1 633,3

Total 68 891,7

Main Partners and Clients

"AutoAlliance Kiev", Ltd."Autostadt" Showroom"Agency" LEGION ", LLC"Aerobud" PJSC"Aeroholding" LLC"Alaska", Group of Companies"Ardo" UNION Promotion, "Representation "AST-Technology", LLC"Astelit" LLC "Badagoni", LLC"Bestshop", LLC"Black Sea Link", Ltd."BF END GB Retail Travel Ltd", Ltd."Wild-Ukraine", DP"Vinnitsaturist", JSC"Geoprint", LLC"Global Bilgi", LLC"Global Ocean Link", Ltd."Ekolan Ingredients", Ltd."Economou International Shipping Edzhensi, Ltd." SE Ukraine"Energotek", LLC"Zakhidenergo", JSC"The Zolotoy Mandarin", LLC"Internews", Ltd."Itkom" PKF"Quasar", PAO"Kemtura Nezerlends BV," Representation"Complex" Lybidska ", JSC"Credit Suisse Securities Limited""KreMiks" Trade House"Krivorozhhleb" PJSC "Krivoi Rog Mining and Processing

Plant oxidized ores""AMC" NIKO "LLC"Lactalis - Ukraine", DP"Lan-Ukraine" Ltd."Larix", LLC"Linen of Desna", LLC"Mirgorodkurort", JSC"Local economic development of cities in Ukraine" project of international technical assistanceIndependent trade union of workers of aviation security (airport "Borispol")"Nezhinskii hlib", PAO"NIKO Invest" Ltd."NIKO Avant Motors""NIKO Capital", LLC"NIKO Leasing", LLC"Niko-Kiev" Company"NIKO-Donetsk", LLC"Niko-Kiev", Ltd."NIKO" LLC"NIKO-Mariupol ', LLC"NIKO Onyx" Ltd"NIKO-PREMIUM-Donetsk", LLC"NIKO-Ukraine" Ltd."NIKO Chernivtsi", LLC"NPSRAB", JSC"H-TRANS" LTD"Oversis Transportation Ukraine" Ltd."Odemar-Inter" Ltd."Inter Velvet", "Ltd."Ostinvest", LLC"PAUL Ukraine" Ltd.

"Project Consulting" Ltd."Sun Park", LLC"Safari-Ukraine" Ltd."System", Group of Companies"Silk Route Shipping" Ltd."Warehouse Service Kiev", LLC"Talangeprom", LLC"Tg Ukraine" Ltd."Tessa teip Kft," Representation"Trading House" Schokinoazot-Ukraine "Ltd."Trading house" NIKO "LLC"Ukrainian terminal" GP"Ukrzernoprom", LLC"Ukrposhta" USEPC"UkrTAUER", LLC“UkrTransContainer“ PE"Universal Trade Plus""Farkont", LLC"The Federation of Canadian Municipalities'"Formag-Kiev", GP"Chyna Shipping (Ukraine) Eydzhensi", LLC"Chernigov Bakery", JSC"Youth", JSC SHPBSA Ukraine, Ltd (Odessa, Ukraine)CMA SI GM Edzhensiz Shipping Ukraine, LtdJADRAN - GALENSKI LABORATORIJDD, R. CROATIA

Contact Information

SLC“Insurance Company “Indigo”Head Office: Naberezhno-Khreshchatytska Str., berth 4 04070, Kyiv, Ukraine “DNIPRO PLAZA” Business Centre

Tel.: (044) 200 04 04Fax: (044) 200 04 05

e-mail: wsm@indigo-ua.comсайт: www.indigo-ua.com