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MB>< A;CG05 @8A: =5A2>52@5<5==>3> 2>72@0B0 A@54AB2 ACI5AB25==> 2>7@0AB05B 8 AB0=>28BAO ?@8 >?@545;5==KE CA;>28OE =5?@85<;5<K< 4065 ?@8 CA;>288 ?>2KH5==>9 ?;0BK 70 MB>B @8A:. >MDD8F85=B 0.3 ?@54?>;0305B, GB> 30 % A@54AB2 =0 @0AG5B=KE 8 B5:CI8E AG5B0E, 0 B0:65 =0 AG5B0E 4> 2>AB@51>20=8O O2;ONBAO >G5=L ?>4286=K<8 8 2 ;N1>9 <><5=B <>3CB 1KBL  HYPERLINK "http://www.bankclub.ru/" \l "ref2" 2>AB@51>20=K :;85=B0<8 10=:02. 4.3.07>2K9 ;8<8B @0AG8BK205BAO ?> A;54CNI59 D>@<C;5: 8<8B = G8AB0O B5:CI0O ;8:284=>ABL *  * A8=B5B8G5A:89 :>MDD8F85=B, 345   ?@>F5=B=0O 4>;O G8ABKE ;8:284=KE 0:B82>2 (:>MDD8F85=B, >?@545;O5<K9 M:A?5@B=K< ?CB5<. 5;8G8=0 :>MDD8F85=B0 7028A8B >B B>9 AB5?5=8 @8A:0, :>B>@CN A>3;0A5= ?@8=OBL =0 A51O 10=:). !8=B5B8G5A:89 :>MDD8F85=B ?@54=07=0G5= 4;O 2A5AB>@>==53> CG5B0 D8=0=A>2>3> A>AB>O=8O 10=:0-?0@B=5@0. !>AB02;ONI8<8 MB>3> A8=B5B8G5A:>3> :>MDD8F85=B0 O2;ONBAO :>MDD8F85=BK: =0456=>AB8, ;8:284=>AB8, :0G5AB20 @5AC@A=>9 107K, :0G5AB20 0:B82>2, @5=B015;L=>AB8. 5. 0@0<5B@K 10;0=A0. :B82K: 8:284=K5 0:B82K = 2KA>:>;8:284=K5 0:B82K 1->9 3@C??K + 2KA>:>;8:284=K5 0:B82K 2->9 3@C??K + 2KA>:>;8:284=K5 0:B82K 3->9 3@C??K + 30115 (:>@. AG5B0 2 10=:0E  =5@57845=B0E 2 ) + :@0B:>A@>G=K5 >1O70B5;LAB20 10=:>2 + :>@?>@0B82=K5 :@548BK A@>:>< 4> 30 4=59 + 25:A5;O AB>@>==8E M<8B5=B>2 A@>:>< 4> 30 4=59 KA>:>;8:284=K5 0:B82K 1->9 3@C??K = :0AA0 + :>@. AG5B 10=:0 2 & + 4@03>F5==K5 <5B0;;K 8 :0<=8 + :>@. AG5B0 "=>AB@>" (:@><5 AG5B>2 2 ) + :@548BK & = 202 + 30102 + 20302 + 20303 + 20305 + 20308 + 204 + 30110 + 30114 + 30118 + 30119 + 31901 KA>:>;8:284=K5 0:B82K 2->9 3@C??K =  HYPERLINK "http://www.bankclub.ru/" \l "ref3" 3>AC40@AB25==K5 4>;3>2K5 >1O70B5;LAB203 = 50102 + 50103 KA>:>;8:284=K5 0:B82K 3->9 3@C??K =  (>25@4@0DB, 4> 2>AB@51>20=8O 8 A@>:>< =0 1 45=L) = 32001 + 32002 + 32101 + 32102 + 32201 + 32202 + 32301 + 32302 @0B:>A@>G=K5 >1O70B5;LAB20 10=:>2 =  A@>:>< >B 2 4> 30 4=59 + 4>;3>2K5 >1O70B5;LAB20 10=:>2 4;O ?5@5?@>4068 + 25:A5;O 10=:>2 A@>:>< 4> 30 4=59  A@>:>< >B 2 4> 30 4=59 = 32003 + 32004 + 32103 + 32104 + 32203 + 32204 + 32210 + 32303 + 32304 + 32310 >;3>2K5 >1O70B5;LAB20 10=:>2 4;O ?5@5?@>4068 = 50302 + 50602 5:A5;O 10=:>2 A@>:>< 4> 30 4=59 = 51401 + 51402 + 51801 + 51802 >@?>@0B82=K5 :@548BK A@>:>< 4> 30 4=59 = 44101 + 44102 + 44103 + 44201 + 44202 + 44203 + 44204 + 44301 + 44302 + 44303 + 44304 + 44401 + 44402 + 44403 + 44404 + 44501 + 44503 + 44601 + 44603 + 44701 + 44703 + 44801 + 44803 + 44901 + 44903 + 45001 + 45003 + 45101 + 45103 + 45201 + 45203 + 45301 + 45303 + 45401 + 45403 + 45502 + 45601 + 45701 + 46001 + 46002 + 46101 + 46102 + 46201 + 46202 + 46301 + 46302 + 46401 + 46402 + 46501 + 46502 + 46601 + 46602 + 46701 + 46702 + 46801 + 46802 + 46901 + 46902 + 47001 + 47002 + 47101 + 47102 + 47201 + 47202 + 47301 + 47302 5:A5;O AB>@>==8E M<8B5=B>2 A@>:>< 4> 30 4=59 = 51501 +  HYPERLINK "http://www.bankclub.ru/" \l "ref4" 515024 0cA82K: @0B:>A@>G=K5 >1O70B5;LAB20 = ?@82;5G5==K5  A@>:>< 4> 30 4=59 + 45?>78BK =0 A@>: 4> 30 4=59 + A>1AB25==K5 F5==K5 1C<038 10=:0 A> A@>:>< ?>30H5=8O 4> 30 4=59 @82;5G5==K5  A@>:>< 4> 30 4=59 = 31201 + 31202 + 31203 + 31301 + 31302 + 31303 + 31304 + 31401 + 31402 + 31403 + 31404 + 31501 + 31502 + 31503 + 31504 + 31601 + 31602 + 31603 + 31604 + 31610 5?>78BK =0 A@>: 4> 30 4=59 = 41002 + 41102 + 41202 + 41302 + 41402 + 41502 + 41602 + 41702 + 41802 + 41902 + 42002 + 42102 + 42202 + 42502 + 42702 + 42802 + 42902 + 43002 + 43102 + 43202 + 43302 + 43402 + 43502 + 43602 + 43702 + 43802 + 43902 + 44002 !>1AB25==K5 F5==K5 1C<038 10=:0 A> A@>:>< ?>30H5=8O 4> 30 4=59 = 52001 + 52101 + 52201 + 52301 + 52302 !@54AB20 =0 @0AG5B=KE 8 B5:CI8E AG5B0E = 404 + 405 + 406 + 407 + 408 + (401-401) + 40201 + 40202 + 40203 + 40204 + 40205 + 40206 + (403-40307) + (409-40907) + 20309 + 20310 1O70B5;LAB20 4> 2>AB@51>20=8O = 45?>78BK 4> 2>AB@51>20=8O + 2:;04K =0A5;5=8O (4> 2>AB@51>20=8O 8 4> 30 4=59) + >AB0B:8 =0 :>@. AG5B0E ";>@>" 5?>78BK 4> 2>AB@51>20=8O = 41001 + 41008 + 41101 + 41108 + 41201 + 41208 + 41301 + 41308 + 41401 + 41408 + 41501 + 41508 + 41601 + 41608 + 41701 + 41708 + 41801 + 41808 + 41901 + 41908 + 42001 + 42008 + 42101 + 42108 + 42201 + 42208 + 42501 + 42508 + 42701 + 42801 + 42901 + 43001 + 43101 + 43201 + 43301 + 43401 + 43501 + 43601 + 43701 + 43801 + 43901 + 44001 :;04K =0A5;5=8O 4> 2>AB@51>20=8O 8 4> 30 4=59 = 42301 + 42308 + 42601 + 42608 + 42302 + 42602 AB0B:8 =0 :>@. AG5B0E ">@>" = 30109 + 30111 + 30112 + 30113 + 30214 + 30220 + 30222 + 30223 + 30116 + 30117 + 47416 6. !8AB5<0 :>MDD8F85=B>2 !8=B5B8G5A:89 :>MDD8F85=B, @0AAG8B0==K9 ?> 10;0=A>2K< ?>:070B5;O< >B@0605B B0:85 E0@0:B5@8AB8:8 10=:0, :0: 53> =0456=>ABL, ;8:284=>ABL, @5=B015;L=>ABL, :0G5AB2> 0:B82>2, 0 B0:65 AB@C:BC@C 53> @5AC@A=>9 107K. A5 2E>4OI85 2 53> A>AB02 G0AB=K5 :>MDD8F85=BK A:>=AB@C8@>20=K B0:8< >1@07><, GB> 8E @>AB >B@0605B ?>;>68B5;L=CN 48=0<8:C @0728B8O 10=:0. !8=B5B8G5A:89 :>MDD8F85=B = =*0.2 + ;*0.2 + @*0.2 + :0*0.2 + @1*0.2 %0@0:B5@8AB8:0 :>MDD8F85=B>2 8 8E 25A>2K5 7=0G5=8O ?@82545=K 2 B01;8F5 1. >MDD8F85=BK =0G5=8O 5A>2>9 :>MDD8F85=B >MDD8F85=BK =0456=>AB8 ===1 0.2 =1 0?8B0; >:07K205B AB5?5=L >15A?5G5==>AB8 @8A:>20==KE 2;>65=89 10=:0 A>1AB25==K< :0?8B0;><, 70 AG5B :>B>@>3> 1C4CB ?>30H0BLAO C1KB:8 2 A;CG05 =52>72@0B0 1.0 01>B0NI85 0:B82K >MDD8F85=BK ;8:284=>AB8 ;=;1*0.35 + ;2*0.35 + ;3 + 0.3 0.2 ;1 KA>:>;8:284=K5 0:B82K >MDD8F85=B <3=>25==>9 ;8:284=>AB8. >:07K205B, :0:0O G0ABL >1O70B5;LAB2 <>65B 1KBL >?;0G5=0 =5<54;5==>. 0.35 1O70B5;LAB20 4> 2>AB@51>20=8O + A@54AB20 =0 @0AG5B=KE 8 B5:CI8E AG5B0E ;2 8:284=K5 0:B82K >MDD8F85=B <3=>25==>9 ;8:284=>AB8. >:07K205B, :0:0O G0ABL >1O70B5;LAB2 <>65B 1KBL >?;0G5=0 =5<54;5==>. 0.35 !C<<0@=K5 >1O70B5;LAB20 ;3 KA>:>;8:284=K5 0:B82K >MDD8F85=B <3=>25==>9 ;8:284=>AB8. >:07K205B, :0:0O G0ABL >1O70B5;LAB2 <>65B 1KBL >?;0G5=0 =5<54;5==>. 0.30 01>B0NI85 0:B82K >MDD8F85=BK @5=B015;L=>AB8=@1*0.5 + @2*0.5 0.2 @1 @81K;L 5=B015;L=>ABL :0?8B0;0. >:07K205B MDD5:B82=>ABL 2;>65=8O A>1AB25==KE A@54AB2 0.50 0?8B0; @2 @81K;L >:07K205B MDD5:B82=>ABL 8A?>;L7>20=8O @01>B0NI8E 0:B82>2 0.50 01>B0NI85 0:B82K >MDD8F85=B :0G5AB20 0:B82>2 :0 0.2 :0 !@>G=K5 >1O70B5;LAB20 + 0?8B0; >:07K205B, =0A:>;L:> A10;0=A8@>20=> D>=48@>20=85 :>@?>@0B82=KE :@548B>2 >@?>@0B82=K5 :@548BK >MDD8F85=BK @5AC@A=>9 107K 10=:0 @1=@11*0.5 + @12*0.5 0.2 @11 !C<<0@=K5 >1O70B5;LAB20 >:07K205B A?>A>1=>ABL 10=:0 =0@0I820BL A2>N @5AC@A=CN 107C 0.50 0?8B0; @12 !C<<0@=K5 >1O70B5;LAB20 %0@0:B5@87C5B AB5?5=L AB018;L=>AB8 @5AC@A=>9 107K 10=:0 0.50 !@54AB20 =0 :>@. AG5B0E +  0@0<5B@K 10;0=A0 4;O @0AG5B0 :>MDD8F85=B>2: 0?8B0; 10=:0 15@5BAO 87 M:>=><8G5A:8E =>@<0B82>2 45OB5;L=>AB8 0=0;878@C5<>3> 10=:0. 01>B0NI85 0:B82K = :@548B=K9 ?>@BD5;L + :>@.AG5B0 "=>AB@>" + 3>AC40@AB25==K5 F5==K5 1C<038 + <C=8F8?0;L=K5 F5==K5 1C<038 + 0:F88 @548B=K9 ?>@BD5;L = :>@?>@0B82=K5 :@548BK + >1O70B5;LAB20 10=:>2 + 25:A5;O N@848G5A:8E ;8F >@?>@0B82=K5 :@548BK = :>@?>@0B82=K5 :@548BK A@>:>< 4> 30 4=59 + 44104 + 44105 + 44106 + 44107 + 44108 + 44205 + 44206 + 44207 + 44208 + 44209 + 44305 + 44306 + 44307 + 44308 + 44309 + 44405 + 44406 + 44407 + 44408 + 44409 + 44504 + 44505 + 44506 + 44507 + 44508 + 44604 + 44605 + 44606 + 44607 + 44608 + 44704 + 44705 + 44706 + 44707 + 44708 + 44804 + 44805 + 44806 + 44807 + 44808 + 44904 + 44905 + 44906 + 44907 + 44908 + 45004 + 45005 + 45006 + 45007 + 45008 + 45104 + 45105 + 45106 + 45107 + 45108 + 45204 + 45205 + 45206 + 45207 + 45208 + 45304 + 45305 + 45306 + 45307 + 45308 + 45404 + 45405 + 45406 + 45407 + 45503 + 45504 + 45505 + 45506 + 45507 + 45602 + 45603 + 45604 + 45605 + 45606 + 45702 + 45703 + 45704 + 45705 + 45706 + 46003 + 46004 + 46005 + 46006 + 46007 + 46103 + 46104 + 46105 + 46106 + 46107 + 46203 + 46204 + 46205 + 46206 + 46207 + 46303 + 46304 + 46305 + 46306 + 46307 + 46403 + 46404 + 46405 + 46406 + 46407 + 46503 + 46504 + 46505 + 46506 + 46507 + 46603 + 46604 + 46605 + 46606 + 46607 + 46703 + 46704 + 46705 + 46706 + 46707 + 46803 + 46804 + 46805 + 46806 + 46807 + 46903 + 46904 + 46905 + 46906 + 46907 + 47003 + 47004 + 47005 + 47006 + 47007 + 47103 + 47104 + 47105 + 47106 + 47107 + 47203 + 47204 + 47205 + 47206 + 47207 + 47303 + 47304 + 47305 + 47306 + 47307 1O70B5;LAB20 10=:>2 =  + 25:A5;O 8 4>;3>2K5 >1O70B5;LAB20 10=:>2  = 2KA>:>;8:284=K5 0:B82K 3->9 3@C??K+ A@>:>< >B 2 4> 30 4=59 + 32005 + 32006 + 32007 + 32008 + 32009 + 32105 + 32106 + 32107 + 32108 + 32109 + 32205 + 32206 + 32207 + 32208 + 32209 + 32305 + 32306 + 32307 + 32308 + 32309 5:A5;O 8 4>;3>2K5 >1O70B5;LAB20 10=:>2 = 25:A5;O 10=:>2 A@>:>< 4> 30 4=59 + 4>;3>2K5 >1O70B5;LAB20 10=:>2 4;O ?5@5?@>4068 + 51403 + 51404 + 51405 + 51406 + 51407 + 51803 + 51804 + 51805 + 51806 + 51807 5:A5;O N@848G5A:8E ;8F = 51201 + 51202 + 51203 + 51204 + 51205 + 51206 + 51207 + 51301 + 51302 + 51303 + 51304 + 51305 + 51306 + 51307 + 51501 + 51502 + 51503 + 51504 + 51505 + 51506 + 51507 + 51601 + 51602 + 51603 + 51604 + 51605 + 51606 + 51607 + 51701 + 51702 + 51703 + 51704 + 51705 + 51706 + 51707 + 51901 + 51902 + 51903 + 51904 + 51905 + 51906 + 51907 + 50401 + 50402+ 50403+50501+50502+50503+50701+50702+50703 >@. AG5B0 "=>AB@>" = 31010 + 30114 + 30115 + 30118 + 30119 >AC40@AB25==K5 F5==K5 1C<038 = 2KA>:>;8:284=K5 0:B82K 2-9 3@C??K C=8F8?0;L=K5 F5==K5 1C<038 = 50202 + 50203 :F88 = 50802 + 50803 + 50902 + 50903 + 51002 + 51003 + 51102 + 51103 KA>:>;8:284=K5 0:B82K = AC<<0 2KA>:>;8:284=KE 0:B82>2 1-9, 2-9 8 3-9 3@C??. !C<<0@=K5 >1O70B5;LAB20 = >1O70B5;LAB20 4> 2>AB@51>20=8O + A@54AB20 =0 @0AG5B=KE 8 B5:CI8E AG5B0E + :@0B:>A@>G=K5 >1O70B5;LAB20 + A@>G=K5 >1O70B5;LAB20 !@>G=K5 >1O70B5;LAB20 = A@>G=K5 45?>78BK =0 A@>: A2KH5 30 4=59 +  ?@82;5G5==K5 =0 A@>: A2KH5 30 4=59 + A>1AB25==K5 F5==K5 1C<038 10=:0 A> A@>:>< ?>30H5=8O A2KH5 30 4=59 !@>G=K5 45?>78BK =0 A@>: A2KH5 30 4=59 = 41003 + 41004 + 41005 + 41006 + 41007 + 41103 + 41104 + 41105 + 41106 + 41107 + 41203 + 41204 + 41205 + 41206 + 41207 + 41303 + 41304 + 41305 + 41306 + 41307 + 41403 + 41404 + 41405 + 41406 + 41407 + 41503 + 41504 + 41505 + 41506 + 41507 + 41603 + 41607 + 41703 + 41704 + 41705 + 41706 + 41707 + 41803 + 41804 + 41805 + 41806 + 41807 + 41903 + 41904 + 41905 + 41906 + 41907 + 42003 + 42004 + 42005 + 42006 + 42007 + 42103 + 42104 + 42105 + 42106 + 42107 + 42203 + 42204 + 42205 + 42206 + 42207 + 42303 + 42304 + 42305 + 42306 + 42307 + 42503 + 42504 + 42505 + 42506 + 42507 + 42603 + 42604 + 42605 + 42606 + 42607 + 42703 + 42704 + 42705 + 42706 + 42707 + 42803 + 42804 + 42805 + 42806 + 42807 + 42903 + 42904 + 42905 + 42906 + 42907 + 43003 + 43004 + 43005 + 43006 + 43007 + 43103 + 43104 + 43105 + 43106 + 43107 + 43203 + 43204 + 43205 + 43206 + 43207 + 43303 + 43304 + 43305 + 43306 + 43307 + 43403 + 43404 + 43405 + 43406 + 43407 + 43503 + 43504 + 43505 + 43506 + 43507 + 43603 + 43605 + 43606 + 43607 + 43703 + 43704 + 43705 + 43706 + 43707 + 43803 + 43804 + 43805 + 43806 + 43807 + 43903 + 43904 + 43905 + 43906 + 43907 + 44003 + 44004 + 44005 + 44006 + 44007 , ?@82;5G5==K5 =0 A@>: A2KH5 30 4=59 = 31204 + 31205 + 31206 + 31305 + 31306 + 31307 + 31308 + 31309 + 31405 + 31406 + 31407 + 31408 + 31409 + 31505 + 31506 + 31507 + 31508 + 31509 + 31605 + 31606 + 31607 + 31608 + 31609 !>1AB25==K5 F5==K5 1C<038 10=:0 A2KH5 30 4=59 = 52002 + 52003 + 52004 + 52005 + 52006 + 52102 + 52103 + 52104 + 52105 + 52106 + 52202 + 52203 + 52204 + 52205 + 52206 + 52303 + 52303 + 52304 + 52305 + 52306 + 52307 @81K;L = 701  702 + 703  704  705 + 61305 + 61306 + 61307 + 61308  61405  61406  61407  61408 575@2K = @575@2K ?>4 2>7<>6=K5 ?>B5@8 + @575@2K ?>4 2>7<>6=>5 >15AF5=5=85 575@2K ?>4 2>7<>6=K5 ?>B5@8 = 32010 + 32110 + 32210 + 32311 + 32403 + 44210 + 44310 + 44410 + 44510 + 44610 + 44709 + 44809 + 44909 + 45009 + 45109 + 45209 + 45309 + 45409 + 45508 + 45607 + 45707 + 45818 + 46008 + 46108 + 46208 + 46308 + 46408 + 46508 + 46608 + 46708 + 46808 + 46908 + 47008 + 47108 + 47208 + 47308 + 47425 + 51210 + 51310 + 51410 + 51510 + 51610 + 51710 + 51810 + 51910 575@2K ?>4 2>7<>6=>5 >15AF5=5=85 = 50204 + 50304 + 50404 + 50504 + 50604 + 50704 + 50804 + 50904 + 51004 + 51104  INCLUDEPICTURE "http://www.bankclub.ru/image/0.gif" \* MERGEFORMATINET  1 >4 :@0B:>A@>G=K<8 >?5@0F8O<8 4;O F5;59 40==>9 <5B>48:8 ?>=8<0NBAO <5610=:>2A:85 :@548BK A@>:>< 4> 30 4=59. 2 > <0B5@80;0< A5<8=0@0 "&   0=0;87 ?>2545=8O :;85=B>2 2 ?5@2K5 425 =545;8 :@878A0 1998 3. ?>:070;, GB> >BB>: A@54AB2 :;85=B>2 2 MB>B ?5@8>4 A>AB028; 10%  30% >B >1I59 25;8G8=K >AB0B:>2 =0 :;85=BA:8E AG5B0E. 3 > =0H5<C <=5=8N 2 =0AB>OI89 <><5=B 3>AC40@AB25==K5 4>;3>2K5 >1O70B5;LAB20 O2;ONBAO 4>AB0B>G=> 2KA>:>;8:284=K<8. 4=0:> 65;0B5;L=> 70?@0H820BL 10=:, =0 :>B>@K9 CAB0=02;8205BAO ;8<8B, > A@>:0E D>@<8@>20=8O ?>@BD5;O 3>AC40@AB25==KE F5==KE 1C<03.  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