Exhibit 99(d)(2) COOPERATION AGREEMENT This Cooperation Agreement, dated as of 02 June, 2015, between Otkritie Investments Cyprus Limited, a company incorporated under the laws of the Republic of Cyprus with registration number HE 301373, whose registered address is at Angelou Vlachou, 4A, 6052, Larnaca, Cyprus ("OICL" and together with its Affiliates, "Otkritie") and QIWI plc, a public company limited by shares incorporated under the laws of the Republic of Cyprus with registration number HE 193010, whose registered office is at Kennedy 12, Kennedy Business Centre, 2nd floor, P.C. 1087, Nicosia, Cyprus ("QIWI", and, together with its Affiliates, "QIWI Group"). RECITALS (A) On 14 May 2015, OICL, Otkritie Holding JSC and QIWI entered into a deed of subscription (the "Deed of Subscription"), pursuant to which OICL will acquire 5,593,041 class B ordinary shares in QIWI (the "Subscription Shares"). (B) Under the terms of the Deed of Subscription, QIWI will acquire a one hundred (100) percent ownership interest in the charter capital of CIHRUS Limited Liability Company ("CIHRUS"), a limited liability company duly existing and incorporated under the laws of the Russian Federation. (C) CIHRUS is the parent company of Rapida Ltd , a company duly existing and incorporated under the laws of the Russian Federation under registration number 1037700111679, which QIWI will acquire as part of the transactions contemplated under the Deed of Subscription ("NKO Rapida" and, together with its Affiliates that are also being acquired pursuant to the transactions contemplated by the Subscription Agreement, "Rapida"). (D) Following the acquisition of CIHRUS by QIWI and in order to promote their mutual interests, the parties wish to cooperate for their mutual benefit in the fields of their business, including digital payments, and establish a steering committee in order to analyse and develop potential areas of cooperation between the Parties. NOW THEREFORE, in