Severo-Zapadniy Bank of Sberbank

Dear Dmitry Alekseevich!

Investment Lending and Project Finance Office of Severo-Zapadniy Bank of Sberbank is grateful to you for providing us with Alt-Invest Summ 6.01. This version has some clear advantages such as:

1. Ability to add investment projects, including those calculated by other users;

2. Different ways to offset the VAT;

3. Separate calculation of production and sale;

4. Choice of different types of taxation;

5. Extended list of investment costs;

6. Calculations both in current and constant prices;

7. Possibility to add loans;

8. Clear reflection of data in the Working Capital table;

9. Built-in Help Information to all sections.

Investment Lending and Project Finance Office is ready to consider the possibility of installing Alt-Invest Summ 6.01 in all branches of Severo-Zapadniy Bank of Sberbank. Software acquisition will require additional costs for the Bank associated with additional training of lending managers. Please, take this fact into account when preparing the offer for our bank.

Sincerely yours,

S.A. Yevdokimov,

Director of Investment Lending and Project Finance Office.