Dear colleagues, partners, and shareholders!

We dearly congratulate You with the beautiful occasion of the winter holidays, wishing You a new year full of prosperity, stability and happy moments next to your beloved ones!

May the new year bring You ten times more health and luck! We wish You light in your homes, peace in your sole and happiness in your family.

Banca de Economii expresses its gratitude for the fact that in 2011 You have brought Your contribution to the strengthening of the Bank’s position! We look forward to the new year, hoping for future collaborations, both efficient and advantageous!

Happy New Year and Merry Christmas!

With respect,

Banca de Economii JSC