Capital increase of RUB 1 billion for Home Credit and Finance Bank provided by the parent company Home Credit B.V.

2.2.2009 – Home Credit Finance Bank (“HCFB” or “the Bank”), rated Moody’s Ba3/NP/D-, SP B+/B, one of the leading banks specializing in consumer banking in Russia, is pleased to announce an additional capital injection for a total amount of RUB 1 billion, which was completed on 30 January 2009.