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Season's Greetings from the Chairman of JSC BTA Bank
Dear friends! The year of 2009 is behind us. 2009 was full of great shakes and dramatic changes in life of BTA Bank.

Attention! Clients of BTA Bank: Work schedule of the Contact Center during the holidays!
Dear clients of BTA Bank! We would like to inform you that during holidays from January 1 through 4, 2010, you may receive the consultation through the Contact Center on remote banking servicing and payment card issues only.

BTA Bank’s Restructuring Proceedings Gain the Protection of the British Courts
JSC BTA Bank (the “Bank”) is delighted to announce that the restructuring proceedings that have been commenced in respect of the Bank before the Specialised Financial Court in Almaty have been recognised in Great Britain as a foreign main proceeding.

Successful Completion of the Main Stage of Negotiations Between JSC BTA Bank and Its Creditors
JSC BTA Bank is pleased to announce that it has successfully completed the main stage of negotiations with its creditors by signing in London, on December 7 the Principal Commercial Terms Sheet of the Financial Restructuring of the Bank.

Financial restructuring principal commercial terms sheet signed by the creditors’ steering committee and JSC BTA Bank
JSC BTA Bank (the “Bank”) is pleased to announce that it signed a principal commercial terms sheet on 7 December 2009 with its Creditors’ Steering Committee setting out the principal commercial terms of its proposed financial restructuring (the “Restructuring”).