Dear friends and associates!

We wish you Happy New Year and Merry Christmas!

New Year's Eve is the time of hopes and dreams. We wish you all your cherished dreams come true, wish you the inspiration in the realization of your ideas and aims in 2008 year! May relations with your friends, relatives and close people bring you joy and pleasure.

May Christmas and New Year holidays give you a great many of positive emotions!

Chaiman of the Supervisory Board of the Megabank Plc	Chairman of the Management Board of the Megabank Plc
Subotin V.G.	Zukova O.M.