STANDARD & POOR'S AFFIRM THE INTERNATIONAL RATING OF UNITY RE

On 23 August, 2012 Standart & Poor’s has affirmed the credit and financial strength
rating of Unity Re Ltd. The rating is affirmed at the actual level: BB/Stable within the
international scale and ruAA/Sable within the national scale.

The updated rating report of Standard & Poor’s outlines good operating results of
the company; adequate capitalization and competitive standing within the markets
of Russia and CIS; stable, balanced and diversified clients’ base as well as
balanced and very diverse business portfolio.

The copies of rating reports in Russian and English are available at the web sites of
Standard & Poor's (www.standardandpoors.ru) and Unity Re.

Historically, the first rating was assigned by Standard & Poor’s to Unity Re (that time,
Reso Re) in 2005. In September, 2008 the rating assigned was BB-/Stable, where the
outlook was enhanced to Positive despite the world crisis environment. In 2011, the
rating of Unity Re was increased to become BB/Stable

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