Contrust Limited en

GROUP OF CONTRUST COMPANIES

Content

Section 1. GROUP OF CONTRUST

COMPANIES

05 Who we are

06 What we do

07 Chairman of board of directors proclamation

09 Managing partner proclamation

11 High potential

12 Our principles

13 Our advantages

14 Quality management system

15 Structure

16 Solutions we offer for your business

Section 2. CONTRUST

18 Specialization

19 Services

20 Cognitive activity and innovations

21 Franchise

Section 3. CONTRUST-CREDIT

MANAGEMENT

25 Specialization

26 Services

ContentSection 4. CONTRUST-FINANCE

28 Specialization

29 Services

Section 5. CONTRUST-AUDIT

31 Specialization

32 Services

Section 6. CONTRUST-ESTATE

35 Specialization

36 Services

Section 7. CONTRUST-BUSINESS

TECHNOLOGIES

38 Specialization

39 Services

Section 8. Foreign partners’ business

support

42 Solutions for foreign partners

45 We are looking to cooperate with you

46 Contacts

GROUP OF CONTRUST COMPANIES

Who we areGroup of CONTRUST companies

Skilled specialists, working in different spheres of business, have joined forces under the CONTRUST brand. Each of our employee aims

at strengthening business, increasing its efficiency and social responsibility. CONTRUST has more than 13 years of experience on the

Russian market. The company built broad expertise and owns technologies (part of them Company developed) to enable achieving

desired goals in the most rational and effective way.

CONTRUST™ 2011 г.

Group of CONTRUST companies

What we do

We help our business partners to improve their efficiency. CONTRUST provides its business partners the opportunity to

focus on their core businesses while outsourcing secondary processes are made by our group of specialists.


Our visionGroup of CONTRUST companies

Valery Aleshin (the chairman of board of directors) proclamation

CONTRUST™ 2011г.

It is necessary for a leader to be sure that a company, which is hosted by him, meets requirements of its consumers.

The customer asks questions, and they reflect his genuine interest to the things that are behind a brand that he buys.

Our aim is to answer the consumer’s expectations in line with the highest standards. At that, the leader must

understand and determine the way, in which the brand coordinates with all aspects of external environment, but not

only with customers.

A team of qualified specialists, working in different spheres, has been assembled under the brand CONTRUST. Every

member of the team has his own views and opinions. But together we find the best of all possible options and get

excellent results.

Having said so, we think that we shouldn’t be satisfied with what has already been achieved, even if the result is

perfect from the competitors’ point of view. It allows us to develop in a progressive way. Thus, we don’t cease to

improve our services, technologies, business processes, knowledge, and relationships. We believe that success is

achievable, if you entrust solution of important tasks to the professionals.

Chairman of board of directors proclamationGroup of CONTRUST companies

CONTRUST™ 2011г.

High potentialGroup of CONTRUST companies

The CONTRUST group united diverse companies under one brand as well as knowledge, experience and resources. This

enables us to be flexible, respond fast to market changes and considerably strengthens potential of each member company.


Improve Customer Satisfaction

In all its projects the CONTRUST Group aspires not only to meet but also to exceed customer expectations.

Improve Service Levels

CONTRUST has a permanent focus on the quality of its processes and services.

Professional development

The CONTRUST Group is focused on professional development of its employees, in growth of their intellectual and practical

erudition. Presence of knowledge, which corresponds to the market’s requirements, has an impact on the quality of services

rendered.

Development

The goal of every employee of the Group of Companies CONTRUST is to improve the services’ quality, processes and systems

permanently.

Systemic approach to management

CONTRUST divisions’ coordination and activity efficiency help in achievement of overall aims on strengthening of reputation of

our brand.

Culture

We have common values and culture in the organization.

Our principlesGroup of CONTRUST companies


Our advantagesGroup of CONTRUST companies


Secure partnership

We pattern our behavior on a long-term partnership, which allows us to provide our clients with secure services and

recommendations that are tailored to their individual needs.

Overall solutions

We offer overall solutions that meet expectations of our clients, and sometimes even exceed them. A customer, who

addresses us, receives a holistic solution: we focus not only on the core business question , but also bring a solution to

any related issues. A unique capability, made possible thanks to our diverse talents unified in our group.

Tailored Approach

Our services are based on an individual approach to the customers. This translates in a dedicated client manager,

who supervises the project from the first visit till the final delivery.

Competence

Understanding of the business tasks that are within our competence allows us to grant complex solutions that enable

our clients to achieve their strategic goals and to acquire long-term competitive advantages.

In August 2010 CONTRUST quality management system has been certified. The field of certification included services

associated with settlement of debt obligations, legal services, services for audit and bookkeeping.

A compliance certificate № РОСС RU. ИС11. К00623 was granted by certification authorities of quality management

systems “VNIIS-SERT” of the JSC “VNIIS”. The certification audit confirmed conformity of a quality management

system, operating in CONTRUST, with requirements of the international standard ISO 9001:2008.

The quality management system is an effective instrument of a continuous company improvement. CONTRUST

maintains working capacity of the QMS and improves its effectiveness permanently by means of introduction of

advanced methods of management. According to CONTRUST’s customers, introduction of the quality management

system in the group of companies CONTRUST characterizes it as a dynamically developing structure, which is oriented

towards a global service quality.

Quality management systemGroup of CONTRUST companies


StructureGroup of CONTRUST companies

CONTRUST™ 2011г.

Solutions we offer for your businessGroup of CONTRUST companies


•Legal services

•Debt collection

•Bookkeeping

•Auditing

•Assessment

•Administrative consulting

•Services for introduction and maintaining of the QMS

•Web-programming

•Information and technical support

•Designers’ services

•Investment consulting

•Broking

•Realtors’ services

CONTRUST

SpecializationCONTRUST


Company CONTRUST operates at the market of financial and legal services from 1998, and it takes up leading

positions in the sphere of financial and legal consulting. Leading Russian banks, financial and industrial groups, large

enterprises, and other organization with different specialization are among clients of CONTRUST.

CONTRUST is a structure, which develops dynamically. This is a team of high-qualified specialists in different spheres of

knowledge.

Customer-oriented approach of CONTRUST causes an ability of the organization to gain additional profits by means of

good understanding and effective satisfaction of clients’ requirements. Realization of a customer-oriented strategy

allows us to achieve the following results: increase of the company’s value, development of the brand, securing the

growth of rates of the principal activity, development of related branches of business, assure increase of profit. We

adhere to unity of activity of all participants, who has an impact on the result, to achieve desired goals.

Regular monitoring and analyze of all aspects of the CONTRUST’s activity allows us to improve the quality of services

rendered on a regular basis, and to contribute to heighten efficiency of the business of CONTRUST and of our partners.

ServicesCONTRUST


•Legal support

•Settlement of debt obligations

•Information and technical support

•Services for introduction and maintaining of the QMS

Cognitive activity and innovationsCONTRUST

We have achieved optimal results of the company’s activity due to the fact that our work was based on management and

exchange of knowledge. We have created a culture of continuous cognition, innovations and improvement.


CONTRUST has created the first full-function franchise at the collection market – CONTRUST CREDIT MANAGEMENT. It is a full-

fledged model of successful work for our partners (franchisees).

CONTRUST CREDIT MANAGEMENT franchise is:

•an opportunity to develop in an upcoming trend of debt collection services rendering;

•use of unique knowledge and methods;

•full assortments of tools that are necessary for conduct of business:

a description of standards of franchisees’ work (a standard devoted to work with clients, demands and recommendations for

the human resources divisions, description of procedures of interaction between participants of a project, explanation of

technology of debt collection);

a brand book (requirements and recommendations on the corporate identity);

a program, which is necessary to launch of a web-site, which will represent franchisee’ interests in the Internet;

•an integrated strategy of development and promotion of business, support by means of marketing and PR-measures at the

federal level, ensuring of informational support;

•corporate training, consultations with leading specialists, participation in open seminars and conferences;

•a minimal cash investment (in comparison with unassisted organization of business).

FranchiseCONTRUST


CONTRUST CREDIT MANAGEMENT franchise has been designed to form a network of collection agencies that have offices in all

regions of Russia under a unified trade-mark.

Franchisees receive support (technologies of work, a trade-mark, marketing material, consultations, support in obtaining of

credits or financial leasing, all facilities of a federal advertizing campaign), which is necessary to conduct work in the following

areas:

•audit of debt collection;

•consulting regarding settlement of debt obligations;

•claims activities, conduct of negotiations, mediation;

•agency at the courts;

•agency at the stage of enforcement proceedings, expert analysis of a court enforcement officer’s activity regarding

implementation of investigation, arrest, appraisal and sale of property of a debtor;

•management of mortgaged property (control over securing of pledge, debt collection, sale of mortgaged property, etc.;

•analyze of work of a client’s department with respect to timeliness and sufficiency of debt collection measures;

•support of transactions with debt obligations.

FranchiseCONTRUST


FranchiseCONTRUST

CONTRUST CREDIT MANAGEMENT is the first full-function franchise that represents a full-fledged model of work in the

sphere of debt obligations’ settlement.


CONTRUST-CREDIT MANAGEMENT

Company CONTRUST-CREDIT MANAGEMENT renders a full spectrum of debt collection services: consultation concerning settlement of debt obligations , call-centre services , sending of letters (notices), departure of collectors to debtors, the litigation organization.For the purpose of problem debts collecting efficiency increase CONTRUST-CREDIT MANAGEMENT carries out debt audit, search of the debtor and the actives, business inquiry granting (the full file on the debtor which contains the data necessary for carrying out the successful return of a debt).

SpecializationCONTRUST-CREDIT MANAGEMENT


ServicesCONTRUST-CREDIT MANAGEMENT


Collecting of debts:• Debts occurrence prevention - Pre-collection • Pre-judicial collection - Soft collection • Pre-judicial collecting - Field collection • Judicial collection - Legal collection:

► Pre-legal ► Writ proceedings► Action proceedings► Execution proceeding

Special services• Search • Audit • Business inquiry • Debts purchase • Realization of mortgaging property • Corporate training • Consultations • Call-centre

CONTRUST-FINANCE

CONTRUST-FINANCE specializes in accounting support of enterprises of all property categories. High requirements are

put forth to employees of the company. Every employee has a higher education and experience of work in the field of

financial management. Internal reward and recognition and a continuous training program are part of the CONTRUST-

FINANCE culture.

CONTRUST-FINANCE takes on responsibilities for organization and maintenance of clients’ accounting records. The

company has a long experience of cooperation with customers and is interested in long-term rendering of services for

the accounting purposes. Every possibility of incurrence of risks in the book-keeping that are concerned with operating

errors or a low qualification of accountants is excluded. Precision and timeliness are the main principles of CONTRUST-

FINANCE’s work.

SpecializationCONTRUST-FINANCE


•Subscriber-based service for accounting purposes –

execution of functions of a customer’s interior accounting

department

•Making and delivery of accountancy – calculation of taxes,

filling of tax declarations, delivery of reports

•Renewal of accounting – formation and compiling of

reliable accountancy, implementation of optimal tax and

accounting policy

•Consulting regarding the administration of the Russian

legislation in the field of book-keeping and taxation, etc.,

providing of recommendations

ServicesCONTRUST-FINANCE


CONTRUST-AUDIT

SpecializationCONTRUST-AUDIT


CONTRUST-AUDIT employees have broad and diverse practical experience. The audit includes legal contracts

examination, tax computation and payment verification and advise, tax risks evaluation, accounting procedures

examination and internal audit.

Professionalism, objectivity and confidentiality are CONTRUST-AUDIT core principles. CONTRUST-AUDIT’s specialists

not only run objective audits, but also provide recommendations and solutions. This allows our customers to run their

business in a more effective and safe way.

ServicesCONTRUST-AUDIT


•Compulsory audit – obligatory annual financial statements

(book-keeping) audit according to legislation of the

Russian Federation

•Voluntary audit – carrying out of audit at the wish of a

company’s governing body or its constitutors regardless to

requirements of the legislation

•Express-audit – sampling audit of financial (accounts)

statements’ condition at the wish of the customer

•Audit maintenance – complex of audit services

•Services for appraisal – appraisal of cost of property,

appraisal of enterprises as asset complexes and of business

risks

Decision making on the ground of analysis

CONTRUST

From our point of view, viable solutions are based on analysis of information. Thus, we act and make decisions on the basis

of factual analysis, taking into account our own experience and intuition.


CONTRUST-ESTATE

CONTRUST-ESTATE specializes in real estate sales all over the world, including the most promising and the most

popular among the Russian citizens regions, such as Cyprus, Spain and Germany.

CONTRUST-ESTATE adheres to a complex approach in its work. It carries out a full transaction support, including

consultation of a manager, choice and advance booking of an object, organization of a sight tour (visa support,

insurance, air tickets, personal transfer, accommodation, Russian-speaking guide), assistance in credit or installment

arrangements, compiling of a contract, and registration of ownership of the realty. Moreover, the company renders

after-sale services: interior design project conception, support of the realty’s lease, operation and utility services,

security protection, visa and transportation support, resale and interchange of the realty.

SpecializationCONTRUST-ESTATE


•Broking (cottages, villas, houses, flats, apartments, residences, mansions)

•Investment consulting

Informational and consulting support

•After-sale service

ServicesCONTRUST-ESTATE


CONTRUST-BUSINESS TECHNOLOGIES

The company CONTRUST-BUSINESS TECHNOLOGIES renders services in the field of business consulting and

introduction of IT-solutions for organizations (automation of business processes, management of a company’s activity).

According to the results of statistical investigations, quantity of companies that apply to specialists, working in the field

of business consulting, and fall back on adoption of IT-solutions increases annually. Efficiency of the company’s

business processes is a guarantee of its prosperity. It provides the organization an opportunity to work “like a clock”.

CONTRUST-BUSINESS TECHNOLOGIES create favourable conditions for development of its partners’ business.

While taking upon ourselves solution of auxiliary problems, we give you the most expensive present – time, which can

be allotted to the main business processes.

CONTRUST-BUSINESS TECHNOLOGIES is:

•a team of specialists that use their experience, knowledge and their own technologies;

•saving of your resources;

•smart solutions for your business.

SpecializationCONTRUST-BUSUNESS TECHNOLOGIES


•administrative consulting

•web-solutions

•branding

•design

•business processes automation

ServicesCONTRUST-BUSUNESS TECHNOLOGIES


Ability to increase business efficiencyCONTRUST

Our clients, who have commissioned us with the solution of auxiliary tasks of their business, received a priceless resource –

time. Now they have an opportunity to develop their business in a quicker and more effective way.


Foreign partners’ business support

The group of CONTRUST companies offers professional support rendered by highly qualified specialists in the field of

legal, financial, administrative, and investment consulting to analyze and solve problems that can appear in course of

functioning and development of the partners’ business.

Among solutions created by employees of CONTRUST that have been developed specially for foreign partners are the

following:

•Representation of interests of foreign legal bodies and their protection in the territory of the Russian Federation.

•Settlement of debt obligations in the territory of the Russian Federation: full service for debt collection (on pre-trial

and trial stages and during enforcement proceeding).

•Usage of international experience in the field of debt obligations’ settlement and of debt management’s facilities,

application of experience of work in the sphere of credit and risk-management, and utilization of the Global Credit

Solutions’ partner base.The company Global Credit Solutions was founded in 1976. It has a wide network of offices that render their services in 80 countries

according to international standards, and a vast database of foreign clients, who place orders in Russia. Global Credit Solutions applies

advanced technologies to transmit information to any place of the world instantly.

Solutions for foreign partnersForeign partners’ business support


Foreign partners can be especially interested in the following services of CONTRUST:

investigation and location of property and assets of a debtor, an executive body of an organization (in all regions of

the Russian Federation);

relevant information concerning commercial activity of a partner (a debtor);

monitoring of financial and economic activity of a partner (a debtor);

gaining of relevant information on shareholders and on a list of natural and legal persons that are able to exert

influence on the debtor’s activity;

representation of interest during fulfillment of a debtor’s bankruptcy proceedings;

analyze of financial and operational activities of a client with a view to detection of reasons of a large debt’s origin,

recommendations concerning change of relationships with a partner.



Foreign leasing companies can be especially interested in the following services of CONTRUST:

provision of periodical reports on location, technical state, and usage of a leasing subject;

use of proper measures for preservation of property;

search of a lessee (a legal person), who conceals himself, of its placeholders;

keeping of property, its return to the lessor;

check of authenticity of information, which has been granted by a future lessee (about himself and his activity).



The group of CONTRUST companies that has a proven experience of long-term partnership relations is open for

cooperation with new partners and ready to develop individual offers concerning future collaboration.

We are grateful to you that you have contributed time to get acquainted with activity of the group of companies CONTRUST.


Group of CONTRUST companiesWe are looking to cooperate with you

Contacts:

101 Mira avenue, Moscow, Russia, 129085

Phone number: +7 (495) 380-12-02 | [email protected]

www.contrust-c.ru

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Contrust Limited en