Exhibit 10.1

Supplement agreement No.14 to the General Agreement No.ТР-0672                 1(2)

Regarding general financial conditions on assignment of receivables

(Factoring) within Russia dated September 19, 2012

Supplement Agreement No.14

To the General Agreement No.ТР-0672 regarding General Financial Conditions

on the Assignment of Receivables (Factoring) within Russia dated September 19, 2012

St.-Petersburg _____________ May 21, 2014

Open Joint-Stock Company ALFA-BANK (OGRN 1027700067328), herein referred to as the Financial Agent, [represented by] Regional director of major corporate businesses of the Saint-Petersburg Branch of OJSC ALFA-BANK in Saint-Petersburg Mr. Sokolov A.G., acting under the Power of Attorney No.5/1909Д dated 04/29/2014, from one side

And

Limited Liability Company TOT MONEY (OGRN 1127746225540), herein referred to as the Client, represented by General Director Sbitneva E.I., acting under the Charter, from the other side, collectively referred to as the Parties, have concluded this Supplement Agreement to the Supplement agreement No.14 to the General Agreement No.ТР-0672 regarding general financial conditions on assignment of receivables (factoring) within Russia dated September 19, 2012 (hereinafter – General Agreement) as follows:

«1.1. Under the concluded General Agreement, the Client assigns the receivables to the Financial Agent on payment of goods (works/services), the time of compliance for which has not come, as well as receivables, which will accrue in the future, the following Contracts with following Debtors:

».

«Table No.2. «Fees (commission) for financing (annual rates)

.»

«3.4. The limiting size of the aggregate limit of financing under this Agreement should not exceed:

SIGNATURES OF THE PARTIES

Exhibit 10.2

SUPPLEMENT AGREEMENT #15 

To the General Agreement No. TR-0672

on General Conditions of Financing against Assignment

of Monetary Claim (Factoring) within Russia dd 19.09.2012

Saint-Petersburg

____.09.2014

OTKRITOE AKTSIONERNOE OBSCHESTVO "ALFA-BANK", OGRN (Principal State Registration Number) 1027700067328, hereinafter referred to as the "Financial Agent", represented by Regional director of major corporate business of the Saint-Petersburg Branch of OJSC ALFA-BANK in Saint-Petersburg Mr. Sokolov A.G.acting under Power of attorney №5/1909D dd 29.04.2014, on the one hand, and TOT MONEY LLC OGRN (Principal State Registration Number 1127746225540), hereinafter referred to as the "Client", represented by General Director Mrs. Sbitneva E.I., acting under bylaw, on the other hand, together hereinafter referred to as the "Parties", entered into this Agreement as follows.

A relation of sides on realization of factoring’s operations on deliveries, documents accordance with clause 4.1 of General agreement were passed on Register to the date of completion of the real Additional agreement, regulates by the General agreement with all additional agreements, operating to the date of completion of the real Additional agreement.

As far as the Debtor pays Monetary claims, which were yielded by Financial agent before the date of Additional agreements completion, the Maximum size of the combined Limit of the accepted requirements frees oneself on the amount of such payment.

SIGNATURES OF THE PARTIES

APPENDIX #1

to Supplement agreement #15 dd _________2014

to the General Agreement No. TR-0672

on General Conditions of Financing against Assignment

of Monetary Claim (Factoring) within Russia dd 19.09.2012

GENERAL AGREEMENT No. TR-0672

on General Conditions of Financing against Assignment

of Monetary Claim (Factoring) within Russia

Saint-Petersburg 19.09.2012

OTKRITOE AKTSIONERNOE OBSCHESTVO "ALFA-BANK", OGRN (Principal State Registration Number) 1027700067328, hereinafter referred to as the "Financial Agent", represented by Regional director of major corporate business of the Saint-Petersburg Branch of OJSC ALFA-BANK in Saint-Petersburg Mr. Sokolov A.G.acting under Power of attorney №5/1909D dd 29.04.2014, on the one hand, and TOT MONEY LLC OGRN (Principal State Registration Number 1127746225540), hereinafter referred to as the "Client", represented by General Director Mrs. Sbitneva E.I., acting under bylaw, on the other hand, together hereinafter referred to as the "Parties", entered into this Agreement as follows.

Unless otherwise is specified in this Agreement, the following definitions of basic terms shall be applied:

Debtor (Debitor) — a legal entity - the Russian Federation resident to which the Client supplies goods (works or services), monetary claims to whom are passed by the Client to the Financial Agent under the conditions specified in this Agreement;

Monetary Claim — the Client's monetary claims to the Debtor arising from the Contract, including those assigned by the Client to the Financial Agent on the terms and in the procedure specified in this Agreement and Supplemental Agreements to this Agreement;

Contract — a contract of sale and purchase (supply) of goods, a contract for performance of works, a contract of compensated rendering of services or any other contract between the Client and the Debtor and supplemental agreements thereto;

Financing Limit — the maximum amount of the Financing

accepted by the Financial Agent, and within which the Financial Agent shall finance the Client against the monetary claims assigned to the Financial Agent;

"Alfa-Client On-line'' System — a part of the corporate information system of the Financial Agent designed for remote servicing of the Client using the Internet, which provides, inter alia, preparation, transmission, reception, processing of electronic documents transmitted by the Client to the Financial Agent;

The order of the Client service via the "Alfa-Client On-line», including: design, execution and direction electronic documents by the Client to the Financial Agent set forth herein is governed by the customer service Agreement "Alpha Client On-line» Parties with due regard for the requirements established by the Agreement of the electronic document.

Factoring (factoring operations) — operations, according to which the Client shall assign to the Financial Agent monetary claims to a third party (hereinafter referred to as the Debtor) arising from supply of goods by the Client (performance of works or rendering of services) to the Debtor, and the Financial Agent shall provide the Client with monetary funds (financing) under the conditions and procedures specified in this Agreement and supplemental agreements to this Agreement and provide the following services:

Financing — monetary funds provided by the Financial Agent of the Client against assignment of monetary claims of the Client to the Debtor (the Debitor). The Financial Agent provides financing only in case of signing by the Parties of appropriate supplemental agreements to this Agreement, defining the conditions and procedure for payment of the Financing;

Bar Code — a set of linear two-dimensional symbols printed on the document of supply, used for automatic identification of the principal details of shipping documents. The standard of the information contained in the bar code is determined by the Financial Agent.

The client authorizes the Financial Agent to received and transfer to the Client the amount received from the Debtors against a monetary claim under the Contracts in the parts that were not funded by the Financial Agent. In that case the Financial Agent acts as an Attoney

The maturity of monetary claims to the Debtors assigned by the Client to the Financial Agent shall not exceed the term of this Agreement.

Simultaneously with the assignment of the monetary claim for payment of goods (works / services) under the Contract all the rights to enforce the assigned Monetary Claim, as well as other rights related to the Monetary Claim, including the right to unpaid interest.

If additional procedures are required for transfer of the mentioned rights to the Financial Agent, the Client agrees to properly arrange the procedure of transferring these rights to the Financial Agent.

The Client is obliged to provide the copies of the documents confirming the transfer of the annual of the Financial Statements to the tax authority/ certified by the head of the Client (or person who authorized)and stamped if the Financial Statements were delivered to Tax authority be the telecommunication channels/

Unless otherwise provided by the Russian legislation, such documents are collectively sending a copy of the confirmed date document, a notice of delivery for tax declaration (calculation) in electronic form and Notice of entering the information

The calculation of the Agreement will be made in Russian Rubles.

The Client agrees to provide the original of the documents pointed in this paragraph upon the request of the Finance Agent

One of the transferred documents signed by the Debtor shall include confirmation of receipt by the Debtor (the carrier in accordance with the Contract) of goods (service) or acceptance by the Debtor of the results of work in the amount of the assigned monetary claim.

Transfer and reception of the abovementioned documents which allow to identify the money claim shall be performed according to the Register compiled in the form in accordance with Annex No. 2 to this Agreement, in 2 copies (one copy for each of the Parties), on which marks on the provision of documents by the Client and receiving of them by the Financial Agent shall be made.

Simultaneously with the abovementioned documents the Client shall transfer to the Financial Agent a notice on the assignment of monetary claims (in the form of Appendix No. 1 to the Agreement) signed by the Debtor, which is done by the Client in favor of the Financial Agent (if such notice had not been sent to the Financial Agent before). In case the Client does not notify the Debtor of the assignment of monetary claims, it may be sent by the Debtor by the Financial Agent.

The Client agrees to specify the Financial Agent's payment details in all original invoices.

In case the payment details are entered in the shipping documents, the Client shall specify in these documents the Financial Agent's payment details.

The Financial Agent shall have the right to deny financing against the assignment of monetary claims in respect of which the Client did not provide properly executed documents.

This information shall be reported by the Client to the Financial Agent orally by telephone immediately and in writing (by fax, e-mail or by courier) including copies of relevant documents no later than the day following the day on which this information became known to the Client.

It is permitted the Partial fulfillment of the requirements of the Financial Agent to withdraw funds under this Agreement

In the absence or insufficiency of monetary funds in the current accounts of the Client, opened in the Financial Agent in the currency of the Russian Federation, and in the presence of current accounts in foreign currency, the Client agrees to issue and up to the full performance of its obligations under this Agreement not to revoke the order to the Financial Agent to sell foreign currency from the Client's current accounts in foreign currency under conditions of the Financial Agent, and credit earnings to the Client's current account in the currency of the Russian Federation for the debiting by the Financial Agent in accordance with this Agreement, also the Client agrees to provide financial documents to the Financial Agent needed to sell this foreign currency and make appropriate supplemental agreements to contracts of bank accounts with the Financial Agent.

In the objective of control realization by the Financial agent after financial position of Client, the financial result of Client’s activity, cash flow, Client obligates to:

In this case, Financial Agent may deduct from the amount payable to the Client indebtedness of the Client under this Agreement, available at the time of payment, including arising from the financing of other Monetary Claims.

Money claim is considered to be not valid, in particular, in the following cases:

If the monetary claim assigned by the Client to the Financial Agent, will be null and void, and if there are other circumstances in connection with which the Debtor may not fulfill the monetary claim, the Client agrees to reimburse the Financial Agent the amounts of financing in the order provided in Paragraph 4.2 of this Agreement.

The terms of this Clause shouldn’t be interpreted by the Parties, as terminated the Financial agent’s rights, including the right to make a writing off of amounts on the basis of advance the acceptance of the Client, in accordance with Clause 5.10. hereof, in respect of Client’s obligations, which have arisen or the due date of payments, after the expiration of the period, specified in the first paragraph of this Clause.

THE FINANCIAL AGENT                  THE CLIENT

APPENDIX No. 1

to the General Agreement № TR-0672

on General Conditions of Financing against Assignment

of Monetary Claims (Factoring) within Russia

dated September 19, 2012

To be issued on the letterhead

{name of the Client}

«___» ___________________ No. ______________

date {position of the debtor's head}

{name of the Debtor}

{name of the debtor's head}

This is to inform you that TOT MONEY LLC (hereinafter - the "Client" or the "Contractor") and OTKRITOE AKTSIONERNOE OBSCHESTVO "ALFA-BANK" (hereinafter - the "Financial Agent") entered into a General Agreement № TR-0672 was on General Conditions of Financing against Assignment of Monetary Claims (Factoring) within Russia (hereinafter - the "General Agreement"). The rights and obligations of the parties under this agreement shall be governed by Chapter 43 of the Civil Code of the Russian Federation.

Under the terms of the General Agreement the Client assigns to the Financial Agents the monetary claims the maturity of which has not occurred, as well as monetary claims that shall arise after the date of this notice (future monetary claims), to pay for goods supplied (produced works / rendered services) (as well as any execution of obligations under them) to ____________________________ (name of Debtor), arising from the Agreement _____________ No. __________ dated _______ ____, _____ made between _____________ and _______________ (Name of Debtor) (with all amendments and appendices) (hereinafter – the "Agreement").

In accordance with the General Agreement from now on we ask you to make payments under the Contract solely to account of the Financial Agent with the following details:

OAO "ALAFA-BANK", OGRN (Principal State Registration Number) 1027700067328, INN (Taxpayer Identification Number 7728168971, KPP (Tax Registration Reason Code 775001001,

account No. _______________, BIC (Banc Identification Code) 044525593, correspondent account 30101810200000000593.

In the payment order please make reference to the following: "In payment for goods/works/services under the contract No. __________ dated ________ ____, _____, profoma-invoice dated ________ ____, _____ No. ____________ (factoring)".

In accordance with Article 830 of the Civil Code of the Russian Federation execution of the monetary claim to the Financial Agent in accordance with this notice shall set free __________________________ (name of Debtor) from the obligation to _______________.

This Notice may be withdrawn by us, and its terms cannot be changed without prior approval of the Financial Agent.

If you have any questions with regard to the order of settlements between us, you can contact the Division of Factoring of the Financial Agent (tel. _______________ fax ________________).

Sincerely,

{Head of the Client }                            {Initials, last name}

STAMP HERE

Hereby _______________________ (name of the Debtor) expresses its consent to an assignment ____________________________ to the Financial Agent of a monetary claim under the Agreement No. ________ dated __________ ___, _____, and confirms that from the moment of the receipt of this Notice is duly notified of the fact of the assignment.

{Name of Debtor}

{Head of the Debtor }                          {Initials, last name}

STAMP HERE

"THE FORM IS APPROVED"

SIGNATURES OF THE PARTIES

THE FINANCIAL AGENT                   THE CLIENT

APPENDIX No. 2

to the General Agreement No. TR-0672

on General Conditions of Financing against Assignment

of Monetary Claims (Factoring) within Russia

dated September 19, 2012

Register of transferred documents

_____________ ___, 20__

The Client – TOT MON EY LLC under the General Agreement № TR-0672 on General Conditions of Financing against Assignment of Monetary Claims (Factoring) within Russia transfers, and the Financial Agent - OAO"ALFA-BANK" accepts the following documents:

Transferred:                                            Accepted:

On behalf of ОАО «ALFA-BANK»

"THE FORM IS APPROVED"

THE FINANCIAL AGENT                  THE CLIENT

APPENDIX No. 2

to Supplement agreement #15 dd _________2014

to the General Agreement No. TR-0672

on General Conditions of Financing against Assignment

of Monetary Claim (Factoring) within Russia dd 19.09.2012

SUPPLEMENTARY AGREEMENT No. 1

to the General Agreement on General Conditions of Financing against Assignment of Monetary Claim (Factoring) within Russia No. TR-0672 dated September 19, 2012

on Factoring Services in the Form of Payment of Financing to the Client

the city of St. Petersburg

September 19, 2012

OTKRITOE AKTSIONERNOE OBSCHESTVO "ALFA-BANK", OGRN (Principal State Registration Number) 1027700067328, hereinafter referred to as the "Financial Agent", represented by Deputy Director for Clients Relations of OAO "ALFA-BANK" Mr. A.G. Sokolov, acting under Power of attorney №5/1909 D dated 29.04.2014, on the one hand, and TOT MONEY LLC (Principal State Registration Number 1127746225540), hereinafter referred to as the "Client", represented by General Director E.I. Sbitneva, acting under the Charter, on the other hand, together hereinafter referred to as the "Parties", entered into this Supplementary Agreement to the General Agreement No. TR-0672 on General Conditions of Financing against Assignment of Monetary Claim (Factoring) within Russia dated September 19, 2012 (further referred to as the ''General Agreement'') as follows:

1.1. The Financial Agent shall provide to the Client services of tracking the current state of monetary claims to the Debtors and monitoring the timeliness of their payments under the General Agreement and the services of the credits received by the Financial Agent of the Debtors' funds on account of performance of the Debtors obligations to supply financing of which was not carried out, to the current account of the Client opened in the Financial Agent (the administrative management of accounts receivable).

2.1. The Client undertakes within terms set forth in the General Agreement to transfer to the Financial Agent a complete set of duly completed documents listed in Paragraph 4.1 of the General Agreement, for all their supplies of goods (performed work, rendered services) in respect of the Debtors.

2.2. The Client agrees to pay to the Financial Agent the fee (commission) for the administrative management of accounts receivable in the amount and under conditions in accordance with the Supplementary Agreement No. 3 to the General Agreement.

3.1. The Financial Agent must keep records of the current state of the Monetary Claims of the Client to the Debtors in respect of monetary claims assigned to the Financial Agent.

3.2. The Financial Agent on the basis of the analysis of the current state of monetary claims shall provide the Client with the following information:

- on statistics on payments of the Debtors;

- on the transferred amounts of financing;

- on the amounts of commission fee withheld by the Financial Agent from the Client

This information is provided by the Financial Agent to the Client as the data update, but not more frequently than once a day in written or electronic form.

3.3. In the event of any the Debtors' delay of payment of monetary claims submitted by the Client to the Financial Agent, the Financial Agent shall have a right to send a notice to such Debtor.

The notification shall be made in writing (by mail, fax, or courier) or orally by telephone within the time frame defined by the Financial Agent.

For receiving monetary funds from Debtors under the monetary claims assigned by the Client the Financial Agent shall be entitled to perform all actions that do not contradict the legislation of the Russian Federation.

4.1. This Supplementary Agreement shall enter into force upon signing thereof by the Parties.

4.2. This Supplementary Agreement is an integral part of the General Agreement. Relationship of the Parties which are not regulated by this Supplementary Agreement shall be governed by the General Agreement.

4.3. This Supplementary Agreement is executed in triplicate, with equal validity of each copy, of which two copies are for the Financial Agent and one copy is for the Client.

5.1 The Financial Agent

5.2. The Client

SIGNATURES OF THE PARTIES

APPENDIX #3 

to Supplement agreement #15 dd _________2014

to the General Agreement No. TR-0672

on General Conditions of Financing against Assignment

of Monetary Claim (Factoring) within Russia dd 19.09.2012

SUPPLEMENTAL AGREEMENT No. 2

to the General Agreement on General Conditions of Financing against Assignment of Monetary Claim (Factoring) within Russia No. TR-0672 dated September 19, 2012

on Factoring Services in the Form of Payment of Financing to the Client

St. Petersburg

September 19, 2012

OTKRITOE AKTSIONERNOE OBSCHESTVO "ALFA-BANK", OGRN (Principal State Registration Number) 1027700067328, hereinafter referred to as the "Financial Agent", represented by Deputy Director for Clients Relations of OAO "ALFA-BANK" Mr. A.G. Sokolov, acting under Power of attorney №5/2046D dated 04.06.2012, on the one hand, and TOT MONEY LLC (Principal State Registration Number 1127746225540), hereinafter referred to as the "Client", represented by General Director Ts.Kh. Katsaev, acting under the Charter, on the other hand, together hereinafter referred to as the "Parties", entered into this Supplementary Agreement to the General Agreement No. TR-0672 on General Conditions of Financing against Assignment of Monetary Claim (Factoring) within Russia dated September 19, 2012 (further referred to as the ''General Agreement'') as follows:

SIGNATURES OF THE PARTIES

APPENDIX #4

to Supplement agreement #15 dd _________2014

to the General Agreement No. TR-0672

on General Conditions of Financing against Assignment

of Monetary Claim (Factoring) within Russia dd 19.09.2012

SUPPLEMENTAL AGREEMENT № 3

to the General Agreement on General Conditions of Financing against Assignment of Monetary Claim (Factoring) within Russia No. TR-0672

of the Commission for the Factoring Service

Saint-Petersburg                                    19.09.2012

OTKRITOE AKTSIONERNOE OBSCHESTVO "ALFA-BANK", OGRN (Principal State Registration Number) 1027700067328, hereinafter referred to as the "Financial Agent", represented by Regional director of major corporate business of the Saint-Petersburg Branch of OJSC ALFA-BANK in Saint-Petersburg Mr. Sokolov A.G.acting under Power of attorney №5/1909D dd 29.04.2014, on the one hand, and TOT MONEY LLC OGRN (Principal State Registration Number 1127746225540), hereinafter referred to as the "Client", represented by General Director Mrs. Sbitneva E.I., acting under bylaw, on the other hand, together hereinafter referred to as the "Parties", entered into this Supplementary Agreement to the General Agreement No. TR-0672 on General Conditions of Financing against Assignment of Monetary Claim (Factoring) within Russia dated 19.09.2012 (further referred to as the ''General Agreement'') as follows:

Table No. 1 "Commission for the administrative management of accounts receivable"

Table No. 2. "Remuneration (Commission) for the provision of funding"

(percent per annum)

In this case:

From the third month from the date of conclusion of the General Agreement revision turnover of the factoring services for the purpose of determining the rate of the factoring commission is made monthly in the date corresponding to the date of the entry into force of the General Agreement, or the last day of the month in the month if there is no revision date corresponding to the date of the conclusions of the General Agreement, or if the appropriate date falls on a weekend or holiday, the first following working day.

Revision of the turnover of factoring services for the purpose of determining the rate of the factoring commission is made monthly, with the exception of the calendar month in which the General Agreement was signed in a date corresponding to the date of the entry into force of the first contract signed with one of the group companies (hereinafter - Date of revision) .

If in a particular month, there is no revision date corresponding to the date the revision, the revision date in this month is the last day of the month, or if the relevant date revision date falls on a weekend or holiday, the date of the revision is the first next working day for her.

The period from the date of conclusion of the contract prior to the first date of revision, as well as all the subsequent period from the date of revision (inclusive) until the next revision date (not included) are the billing period.

Turnover on factoring services for the relevant calculation period for related companies to determine rates for calculation of the factoring commission is added, that is summed up all the supplies, registered in the settlement period for all related companies.

During the first two billing period rate for the calculation of the size of the factoring commission determined in accordance with column 2 of the table above № 2. If the actual turnover of factoring services for the first calculation period exceeds the value in column 2, then from the second settlement period for the bet calculation factoring commission Client is determined based on the actual traffic in accordance with Table №2. Beginning with the third settlement period the rate for determining the size of the factoring commission is determined based on the actual turnover for the previous billing period.

The Financial Agent in writing or by telegram shall notify the Client on modification of the rates of the Commission no letter than 3 (Tree) calendar days pending the date of the change into force.

Fees allocated to financing (factoring Commission) and the Commission for the administration of accounts receivable held by a financial agent of the amounts received from debtors in payment on the relevant parts of the monetary claim, not the assigned financial agents, and in any event must be paid by the Client no later than 3 (Three) working days following:

Remuneration (commission) is hold by the Financial agent from the funds received from Debtors in payment by Monetary Claims and due to the Client, in the following order:

APPENDIX #5

to Supplement agreement #15 dd _________2014

to the General Agreement No. TR-0672

on General Conditions of Financing against Assignment

of Monetary Claim (Factoring) within Russia dd 19.09.2012

SUPPLEMENTAL AGREEMENT № 3

to the General Agreement on General Conditions of Financing against Assignment of Monetary Claim (Factoring) within Russia No. TR-0672

////////////////////////////

Saint-Petersburg                                   19.09.2012

OTKRITOE AKTSIONERNOE OBSCHESTVO "ALFA-BANK", OGRN (Principal State Registration Number) 1027700067328, hereinafter referred to as the "Financial Agent", represented by Regional director of major corporate business of the Saint-Petersburg Branch of OJSC ALFA-BANK in Saint-Petersburg Mr. Sokolov A.G.acting under Power of attorney №5/1909D dd 29.04.2014, on the one hand, and TOT MONEY LLC OGRN (Principal State Registration Number 1127746225540), hereinafter referred to as the "Client", represented by General Director Mrs. Sbitneva E.I., acting under bylaw, on the other hand, together hereinafter referred to as the "Parties", entered into this Supplementary Agreement to the General Agreement No. TR-0672 on General Conditions of Financing against Assignment of Monetary Claim (Factoring) within Russia dated 19.09.2012 (further referred to as the ''General Agreement'') as follows:

from the due date of payment to the extent that received funds from the Debtor by Financial Agent under this Monetary Claim not enough to recover the amount of Financing, Client is obliged in 3 (Three) working days, or in case of cl. 2.4. hereto – immediately, transfer to the Finance Agent the amount of the amount of debt as a difference between the amount of the assigned part of the Monetary Claim and the amount actually received by the Financial Agent in the payment of this Monetary Claim. In this case, the assigned part of the Monetary Claim is considered properly executed only in the event of the relevant amount to the bank account of a Financial agent.