“Among the distinctive features of modern business in Ukraine are its dynamics and rapidness. People have less time to make a decision and executing of posed tasks, that can change any minute, demands them to be in several places at the same time. The deposit for the owners of such businesses is not only a tool of increasing their capital, but also an operational instrument of their activity, that is why it has to be very flexible. And the deposit “Golden Steps” is exactly this. It is flexible and mobile to the extent the conditions of the modern business sphere require”, - Andrzej Olejnik, Chief Marketing Officer Platinum Bank commented.

This deposit has no time limits and the funds could be claimed and withdrawn at the moment it is needed. Also this product doesn’t have restrictions on minimum or maximum amounts of the deposit. The funds can be increased or decreased without any limitations, and to manage the account you don’t have to be present at the branch of the bank, where the deposit was opened, as far as with the deposit “Golden Steps” you can do it online, using the “Internet Banking” system.

“During development of the deposit scheme “Golden Steps” we considered the requirements of corporate clients and we were driven to create such a product that would be at most supportive and profitable to the business. The interest rate depends on the actual account balance at the end of the day. In case of an increase or decrease of the deposited amount the interest rate automatically increases/decreases correspondingly”, - Alexander Popov, Head of Corporate Clients department of the Platinum Bank says.

If the amount of the deposit is up to 250 thousand UAH the interest rate is 3%, if it is up to 500 thousand UAH – 4%, from 500 thousand UAH to 1 million UAH – 5%, more than 1 million UAH – 6%.

For more detailed information on the conditions of the deposit “Golden Steps” please visit the corporate bank website http://www.platinumbank.com.ua/view.zolotishodi/

Reference:

Platinum Bank is a specialized retail bank providing deposit and loan products to individuals, small and medium-sized business through a network of outlets and customer service centers all over Ukraine since 2005. The main shareholders of Platinum Bank are international investment funds Horizon Capital, East Capital Financials Fund, the senior management of the Bank and IFC (a subsidiary of the World Bank).

Platinum Bank became a winner in the nomination “Best Retailer Bank” in the rating of “Ukrainian Banker Awards 2011” (“Investgazeta”). Greg Krasnov, the CEO of the Platinum Bank received the award “The Financier of the Year 2011” within the nationwide price “Person of the Year - 2011”.

“Among the distinctive features of modern business in Ukraine are its dynamics and rapidness. People have less time to make a decision and executing of posed tasks, that can change any minute, demands them to be in several places at the same time. The deposit for the owners of such businesses is not only a tool of increasing their capital, but also an operational instrument of their activity, that is why it has to be very flexible. And the deposit “Golden Steps” is exactly this. It is flexible and mobile to the extent the conditions of the modern business sphere require”, - Andrzej Olejnik, Chief Marketing Officer Platinum Bank commented.

This deposit has no time limits and the funds could be claimed and withdrawn at the moment it is needed. Also this product doesn’t have restrictions on minimum or maximum amounts of the deposit. The funds can be increased or decreased without any limitations, and to manage the account you don’t have to be present at the branch of the bank, where the deposit was opened, as far as with the deposit “Golden Steps” you can do it online, using the “Internet Banking” system.

“During development of the deposit scheme “Golden Steps” we considered the requirements of corporate clients and we were driven to create such a product that would be at most supportive and profitable to the business. The interest rate depends on the actual account balance at the end of the day. In case of an increase or decrease of the deposited amount the interest rate automatically increases/decreases correspondingly”, - Alexander Popov, Head of Corporate Clients department of the Platinum Bank says.

More details in the press-release.

With adoption of the Law of Ukraine “On Deposit Guarantee System” on February the 23rd 2012 No. 4452-IV the procedure of establishing the guaranteed sum of reimbursement will not change and the Fund guarantees every depositor a compensation on his/hers deposits. But the sum cannot exceed the amount established by the Administration Board of the Fund, which currently is UAH 150,000.

We would like to draw your attention to the fact that in the current Law of Ukraine “On Deposit Insurance Fund” the guaranteed amount of compensation that equals UAH 1,200 was indicated and the possibility of its increase by the decision of the Administration Board of the Fund was defined. From the moment this Law was adopted in 2001 the amount of guaranteed reimbursement sum was increased 8 times according to the decisions of the Administration Board of the Fund.

The increase of guaranteed amount of reimbursement on deposits from UAH 50,000 to UAH 150,000 was introduced under the respective provision of Law “On Priority Measures of Prevention of Negative Consequences of Financial Crisis and Introducing Changes to Some Legislative Acts of Ukraine” on 31.10.2008 No.639-VI, which was temporary and was valid until January the 1st 2011. After the indicated date with the purpose of preventing the reduction of guaranteed amount on deposits the Administration Board of the Fund used its authority and decided to preserve the amount of reimbursement of deposits in the sum of UAH 150,000 (the Decision of the Administration Board of the Deposit Guarantee Fund “On the Amount of Reimbursement of Funds on the Deposits” of November the 17th 2010 No. 2, registered with the Ministry of Justice of Ukraine on January the 6th 2010 No. 1220/18515).

The Law of Ukraine “On Deposit Guarantee System” is directed at the strengthening of depositors’ rights protection in case of bank’s insolvency, namely:

- the period of reimbursement comes down from 2 months to 7 days from the day of the decision on revoking of the bank’s license and liquidation of the bank;

- the duration of temporary administration reduces from 1 year to 3 months and for the systemic banks from 18 months to 6 months;

- during the operation of the temporary administration the moratorium will not be placed on return of deposits to individuals under fixed-term and termless contracts, the term of which expired within the guaranteed amount;

- if during the operation of the temporary administration the depositor cannot receive his/hers deposit, including interests, in 7 working days from the expiry date of the agreement or under demand deposit, the Fund provides a loan to the bank to pay off to such individual within the guaranteed amount.

The main purpose of the deposit guarantee system is protection of rights and interests of the depositors. Implementation of deposit guarantee system reform will allow to increase the general level of trust of the depositors to the banking system of Ukraine, which is one of the key preconditions of steady economic development.

With adoption of the Law of Ukraine “On Deposit Guarantee System” on February the 23rd 2012 No. 4452-IV the procedure of establishing the guaranteed sum of reimbursement will not change and the Fund guarantees every depositor a compensation on his/hers deposits. But the sum cannot exceed the amount established by the Administration Board of the Fund, which currently is UAH 150,000.

We would like to draw your attention to the fact that in the current Law of Ukraine “On Deposit Insurance Fund” the guaranteed amount of compensation that equals UAH 1,200 was indicated and the possibility of its increase by the decision of the Administration Board of the Fund was defined. From the moment this Law was adopted in 2001 the amount of guaranteed reimbursement sum was increased 8 times according to the decisions of the Administration Board of the Fund.

The increase of guaranteed amount of reimbursement on deposits from UAH 50,000 to UAH 150,000 was introduced under the respective provision of Law “On Priority Measures of Prevention of Negative Consequences of Financial Crisis and Introducing Changes to Some Legislative Acts of Ukraine” on 31.10.2008 No.639-VI, which was temporary and was valid until January the 1st 2011. After the indicated date with the purpose of preventing the reduction of guaranteed amount on deposits the Administration Board of the Fund used its authority and decided to preserve the amount of reimbursement of deposits in the sum of UAH 150,000 (the Decision of the Administration Board of the Deposit Guarantee Fund “On the Amount of Reimbursement of Funds on the Deposits” of November the 17th 2010 No. 2, registered with the Ministry of Justice of Ukraine on January the 6th 2010 No. 1220/18515).

The Law of Ukraine “On Deposit Guarantee System” is directed at the strengthening of depositors’ rights protection in case of bank’s insolvency, namely:

- the period of reimbursement comes down from 2 months to 7 days from the day of the decision on revoking of the bank’s license and liquidation of the bank;

- the duration of temporary administration reduces from 1 year to 3 months and for the systemic banks from 18 months to 6 months;

- during the operation of the temporary administration the moratorium will not be placed on return of deposits to individuals under fixed-term and termless contracts, the term of which expired within the guaranteed amount;

- if during the operation of the temporary administration the depositor cannot receive his/hers deposit, including interests, in 7 working days from the expiry date of the agreement or under demand deposit, the Fund provides a loan to the bank to pay off to such individual within the guaranteed amount.

The main purpose of the deposit guarantee system is protection of rights and interests of the depositors. Implementation of deposit guarantee system reform will allow to increase the general level of trust of the depositors to the banking system of Ukraine, which is one of the key preconditions of steady economic development.

With adoption of the Law of Ukraine “On Deposit Guarantee System” on February the 23rd 2012 No. 4452-IV the procedure of establishing the guaranteed sum of reimbursement will not change and the Fund guarantees every depositor a compensation on his/hers deposits. But the sum cannot exceed the amount established by the Administration Board of the Fund, which currently is UAH 150,000.

We would like to draw your attention to the fact that in the current Law of Ukraine “On Deposit Insurance Fund” the guaranteed amount of compensation that equals UAH 1,200 was indicated and the possibility of its increase by the decision of the Administration Board of the Fund was defined. From the moment this Law was adopted in 2001 the amount of guaranteed reimbursement sum was increased 8 times according to the decisions of the Administration Board of the Fund.

The increase of guaranteed amount of reimbursement on deposits from UAH 50,000 to UAH 150,000 was introduced under the respective provision of Law “On Priority Measures of Prevention of Negative Consequences of Financial Crisis and Introducing Changes to Some Legislative Acts of Ukraine” on 31.10.2008 No.639-VI, which was temporary and was valid until January the 1st 2011. After the indicated date with the purpose of preventing the reduction of guaranteed amount on deposits the Administration Board of the Fund used its authority and decided to preserve the amount of reimbursement of deposits in the sum of UAH 150,000 (the Decision of the Administration Board of the Deposit Guarantee Fund “On the Amount of Reimbursement of Funds on the Deposits” of November the 17th 2010 No. 2, registered with the Ministry of Justice of Ukraine on January the 6th 2010 No. 1220/18515).

The Law of Ukraine “On Deposit Guarantee System” is directed at the strengthening of depositors’ rights protection in case of bank’s insolvency, namely:

- the period of reimbursement comes down from 2 months to 7 days from the day of the decision on revoking of the bank’s license and liquidation of the bank;

- the duration of temporary administration reduces from 1 year to 3 months and for the systemic banks from 18 months to 6 months;

- during the operation of the temporary administration the moratorium will not be placed on return of deposits to individuals under fixed-term and termless contracts, the term of which expired within the guaranteed amount;

- if during the operation of the temporary administration the depositor cannot receive his/hers deposit, including interests, in 7 working days from the expiry date of the agreement or under demand deposit, the Fund provides a loan to the bank to pay off to such individual within the guaranteed amount.

The main purpose of the deposit guarantee system is protection of rights and interests of the depositors. Implementation of deposit guarantee system reform will allow to increase the general level of trust of the depositors to the banking system of Ukraine, which is one of the key preconditions of steady economic development.

41 companies operating in Ukraine took part in the rating. Transparency and sustainability indicators were evaluated on the basis of questionnaires sent by the companies, public social reports and independent evaluations by members of the expert board.

“The work of our bank is based on the principles of responsible approach and transparency. We are glad that our efforts were recognized, considering that we implement and develop the policy of responsibility towards not only our clients but also society and environment. The majority of our projects already reached a new level and I am excited to see major changes. Besides helping families in need and orphanages we set up computer classes and take care of financial literacy of the Ukrainian young generation. Thus, our bank becomes an integral part of the society”, - comments Greg Krasnov, CEO of Platinum Bank.

To be the leading company is a confirmation of active social responsibility position to Platinum Bank and its clients. During its operation in Ukraine the bank developed and implemented projects, aimed to improve the financial literacy in Ukraine, enhancing technological conditions of education in the orphanages, taking care of nature and environment, etc.

Reference:

Platinum Bank – is a specialized retail bank providing deposit and loan products to individuals, small and medium-sized business through a network of outlets and customer service centers all over Ukraine since 2005. The main shareholders of Platinum Bank are international investment funds Horizon Capital, East Capital Financials Fund and IFC (a subsidiary of the World Bank).

Platinum Bank won the prestigious title of the “Best Retail Bank” in "Ukrainian Banker Awards 2011" by Investgazeta.

Information:

Platinum Bank – is a specialized retail bank providing deposit and loan products to individuals, small and medium-sized business through a network of outlets and customer service centers all over Ukraine since 2005. The main shareholders of Platinum Bank are international investment funds Horizon Capital, East Capital Financials Fund and IFC (a subsidiary of the World Bank).

41 companies operating in Ukraine took part in the rating. Transparency and sustainability indicators were evaluated on the basis of questionnaires sent by the companies, public social reports and independent evaluations by members of the expert board.

“The work of our bank is based on the principles of responsible approach and transparency. We are glad that our efforts were recognized, considering that we implement and develop the policy of responsibility towards not only our clients but also society and environment. The majority of our projects already reached a new level and I am excited to see major changes. Besides helping families in need and orphanages we set up computer classes and take care of financial literacy of the Ukrainian young generation. Thus, our bank becomes an integral part of the society”, - comments Greg Krasnov, CEO of Platinum Bank.

To be the leading company is a confirmation of active social responsibility position to Platinum Bank and its clients. During its operation in Ukraine the bank developed and implemented projects, aimed to improve the financial literacy in Ukraine, enhancing technological conditions of education in the orphanages, taking care of nature and environment, etc.

Reference:

Platinum Bank – is a specialized retail bank providing deposit and loan products to individuals, small and medium-sized business through a network of outlets and customer service centers all over Ukraine since 2005. The main shareholders of Platinum Bank are international investment funds Horizon Capital, East Capital Financials Fund and IFC (a subsidiary of the World Bank).

Platinum Bank won the prestigious title of the “Best Retail Bank” in "Ukrainian Banker Awards 2011" by Investgazeta.

Information:

Platinum Bank – is a specialized retail bank providing deposit and loan products to individuals, small and medium-sized business through a network of outlets and customer service centers all over Ukraine since 2005. The main shareholders of Platinum Bank are international investment funds Horizon Capital, East Capital Financials Fund and IFC (a subsidiary of the World Bank).

41 companies operating in Ukraine took part in the rating. Transparency and sustainability indicators were evaluated on the basis of questionnaires sent by the companies, public social reports and independent evaluations by members of the expert board.

“The work of our bank is based on the principles of responsible approach and transparency. We are glad that our efforts were recognized, considering that we implement and develop the policy of responsibility towards not only our clients but also society and environment. The majority of our projects already reached a new level and I am excited to see major changes. Besides helping families in need and orphanages we set up computer classes and take care of financial literacy of the Ukrainian young generation. Thus, our bank becomes an integral part of the society”, - comments Greg Krasnov, CEO of Platinum Bank.

To be the leading company is a confirmation of active social responsibility position to Platinum Bank and its clients. During its operation in Ukraine the bank developed and implemented projects, aimed to improve the financial literacy in Ukraine, enhancing technological conditions of education in the orphanages, taking care of nature and environment, etc.

Reference:

Platinum Bank – is a specialized retail bank providing deposit and loan products to individuals, small and medium-sized business through a network of outlets and customer service centers all over Ukraine since 2005. The main shareholders of Platinum Bank are international investment funds Horizon Capital, East Capital Financials Fund and IFC (a subsidiary of the World Bank).

Platinum Bank won the prestigious title of the “Best Retail Bank” in "Ukrainian Banker Awards 2011" by Investgazeta.

Information:

Platinum Bank – is a specialized retail bank providing deposit and loan products to individuals, small and medium-sized business through a network of outlets and customer service centers all over Ukraine since 2005. The main shareholders of Platinum Bank are international investment funds Horizon Capital, East Capital Financials Fund and IFC (a subsidiary of the World Bank).

Mark Iwashko, Founding Partner and Chief Investment Officer of Horizon Capital stated: “Bank`s management team is brilliant in fulfillment of strategic targets on financial results and reinforcement of its presence through the country. We`re excited that the bank is an outstanding leader of retail banking segment and is active in corporate social responsibility sector development, providing the country with added value”.

”2011 was a year of strategic importance for us. During the last year’s operations on Ukrainian market the bank has achieved significant results that were mostly directed by the proper strategy as well quality of our banking products and services. Generally speaking, such a success in deposit attraction will support our growth of loan portfolio and ensure relevant liquidity cushion for 2012. Today, we set even more ambitious goals so that we develop a legendary financial institution: sound and reliable bank for our clients and shareholders. In 2012 we will propose our clients and business-partners new systems and services which will assist us to achieve even greater success», - outlined Gregory Krasnov, Platinum Bank Chief Executive Officer.

At the year end, Platinum Bank has raised for 22 points in the banks’ assets rating and occupied 47th place. Gfk Ukraine researches for 2011 has shown the increase on Platinum Bank brand awareness (prompted) to 18,4%, indicating significant awareness increase within Ukrainian population.

Bank`s dynamic development is realized due to the approved strategy focused on retail banking. Such a strategy ensures a flexible response to market changes and adaptation of banking products to Ukrainian population needs and macro-economic situation within the country.

Reference:

Platinum Bank – is a specialized retail bank providing deposit and loan products to individuals, small and medium-sized business through a network of outlets and customer service centers all over Ukraine since 2005. The main shareholders of Platinum Bank are international investment funds Horizon Capital, East Capital Financials Fund and IFC (a subsidiary of the World Bank).

Platinum Bank’s superior banking practices were recognized and greatly acknowledged in 2011. The bank received a number of public awards, including the prestigious title of the “Best Retail Bank” in UKRAINIAN BANKER AWARDS 2011 by Investgazeta.

Mark Iwashko, Founding Partner and Chief Investment Officer of Horizon Capital stated: “Bank`s management team is brilliant in fulfillment of strategic targets on financial results and reinforcement of its presence through the country. We`re excited that the bank is an outstanding leader of retail banking segment and is active in corporate social responsibility sector development, providing the country with added value”.

”2011 was a year of strategic importance for us. During the last year’s operations on Ukrainian market the bank has achieved significant results that were mostly directed by the proper strategy as well quality of our banking products and services. Generally speaking, such a success in deposit attraction will support our growth of loan portfolio and ensure relevant liquidity cushion for 2012. Today, we set even more ambitious goals so that we develop a legendary financial institution: sound and reliable bank for our clients and shareholders. In 2012 we will propose our clients and business-partners new systems and services which will assist us to achieve even greater success», - outlined Gregory Krasnov, Platinum Bank Chief Executive Officer.

More details in the press-release.

The idea of the campaign emerged from the analysis of consumer needs and concerns, as well as certain stereotypes in the perception of people lending in Ukraine. People often have doubts before taking a credit because their experience with banks scares them in respect of those bureaucratic procedures and the complexity of the process of a loan issue. As a result, paper monsters became an embodiment of all the bureaucratic red tapes and unnecessary paperwork that prevent people from getting a cash loan.

Thus, the most important attribute of a loan from the Platinum Bank is its simple receipt, that is, obtaining loans without paper monsters. The Bank has implemented an integrated approach in preparing for that national campaign. We have used the channels such as TV, radio ads, a radio contest, outdoor advertising, Internet, print advertising in shopping centers, leafleting on the street, ambient, advertising in the subway and contests in social networks. Those frustrated paper monsters with the sign "I was kicked out of the Platinum Bank» wandered around near each branch. Their sad fellows walked through the parks of the capital, and they attracted unusually high attention of people to such financial services as cash loans from the Platinum Bank.

Andrzej Olejnik who is the Director of Marketing and Product Development of the Platinum Bank said "We are very pleased that our first national campaign of this product was not only creative and enjoyable for customers, but it became effective – it has convinced customers that the products of the Platinum Bank deserve their attention. By kicking a paper monster out of our bank as a sign of bureaucracy and complexity, we show our customers that our cash loans are simple and clear. Thus, comparing our results at the start and at end of the campaign, we saw that our loan portfolio has grown by 367% and the number of signed contracts - by 545%. For our team. it is a great honor to receive the international prize of such level. Effie is even of more importance to us, as it is a proof that we have done the most difficult thing in marketing. We do not just make a nice ad but we have presented our idea creatively and clearly, in the right place and at the right time, and that was the result of such efficiency".

"It is great to shoot an interesting movie, but it is much better to get a prestigious award for that. Effie is a good sign for us as it confirms the well-chosen strategy of the 360⁰ Agency. The paper monsters did a great job, and the Agency has made a new step in its development, creating a successful and integrated campaign. I want to congratulate the Project Team and the Client with that important achievement", Konstantin Sobol the Creative Director of Promotion Technologies said.

Reference:

Platinum Bank is a specialized retail bank providing deposit and loan products to individuals, small and medium-sized business through a network of outlets and customer service centers all over Ukraine since 2005. The main shareholders of Platinum Bank are international investment funds Horizon Capital, East Capital Financials Fund, the senior management of the Bank and IFC (a subsidiary of the World Bank)

In 2010 Platinum Bank was awarded a “Ukrainian Financial Olympus” prize as the winner in «Qualified international standard management» nomination.

The idea of the campaign emerged from the analysis of consumer needs and concerns, as well as certain stereotypes in the perception of people lending in Ukraine. People often have doubts before taking a credit because their experience with banks scares them in respect of those bureaucratic procedures and the complexity of the process of a loan issue. As a result, paper monsters became an embodiment of all the bureaucratic red tapes and unnecessary paperwork that prevent people from getting a cash loan.

More details in the press-release.

Between 01.01.11 and 01.10.11, the bank’s deposit portfolio grew by 243%, and its loan portfolio grew by 155%. Due to this development, Platinum Bank became the 12th largest bank in the country by retail lending in the national currency, and the 33rd largest retail deposit bank as of 1.10.11. As of 31.10.11, the bank’s retail network was comprised by over 1,600 units, including classical bank branches (Platinum Branch), service centers in shopping centers (Platinum Light) and in-store consumer lending POSs (Platinum Express). Platinum Bank’s consolidated IFRS ROE for the first three quarters of 2012 reached 12%.

More details in the press-release.

Between 01.01.11 and 01.10.11, the bank’s deposit portfolio grew by 243%, and its loan portfolio grew by 155%. Due to this development, Platinum Bank became the 12th largest bank in the country by retail lending in the national currency, and the 33rd largest retail deposit bank as of 1.10.11. As of 31.10.11, the bank’s retail network was comprised by over 1,600 units, including classical bank branches (Platinum Branch), service centers in shopping centers (Platinum Light) and in-store consumer lending POSs (Platinum Express). Platinum Bank’s consolidated IFRS ROE for the first three quarters of 2012 reached 12%.

More details in the press-release.

The CSR Fair was organized by the Centre "Development of corporate social responsibility" under the "Unite for reform (UNITER)”, which is performed by Pact and funded by the U.S. Agency for International Development (USAID). The CSR Fair is also supported by the Global Compact.

More datails in tte press-release.

The management of the Bank decided to support the organizers of the Congress, the main purpose of which is to promote small and medium businesses in the country, and to establish communication between entrepreneurs from East and West Ukraine.

"The Congress has provided a unique opportunity to bring into one room representatives of small and medium-sized businesses from all over Ukraine to exchange experiences and suggestions. Our bank is confident that such events bring a win-win benefit for the organizers and the participants - everyone gets good contacts and new and interesting proposals for the development of their business. We are pleased that we are able to provide entrepreneurs with such opportunity" Greg Krasnov, CEO of Platinum Bank, commented.

In the course of the Congress, the Platinum Bank also presented its proposal to entrepreneurs which enables them to significantly strengthen their financial positions and develop their businesses.

More details in the press-release.

The main visitors of the page are the users from Ukrainian megacities, as well as associated regional centers. The overwhelming numbers of the visitors are the men, 53% of them aged 25-34 years old.

More details in press-release.

Satskiy Cup is one of the most prestigious sailing competition in the cruising class in Ukraine. During the race 62 crews from Kiev, Zaporozhye, Dnepropetrovsk, Energodar, Nikopol, Cherkassy and other cities of Ukraine competed in seven classes of yachts. Among the participants of the race there are the winners of national and international competitions. The team of “Odin - Platinum Bank» has shown excellent results and won the competition. 

"Odin - Platinum Bank» is one of the most active and titled yachts in Ukraine. This season, the team has won the first prize in the prestigious Hetman Cup and got the prize in the competitions of Windmaster Regatta. 

More details in press-release.

Photos can be found here.

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As for the consolidated results the loan portfolio of lending the individuals in national currency Platinum Bank exceeded UAH 700 million that is 2 times greater than this figure at the beginning of 2010. The consolidated data includes the credit portfolio of the acquired by Platinum Bank “Home Credit Bank”. The increase of the loan portfolio allowed Platinum Bank for the first time to rank among the Top 20 banks in Ukraine on lending the individuals in national currency.

According to statistics of the credit agreements conducted in Platinum Bank on February 2011 the increased number of contracts compared to February 2010 made up 615%.

On the bank corporate website there is a specially developed loan calculator which allows you to choose the desired amount and to calculate a convenient monthly payment. Moreover we suggest the possibility of phone consultation at a convenient for the customer time.

More details in the press-release.