Tariffs

• Multicurrency Account

  Multicurrency current account service
  

  Current account opening and closing
  Account opening with Internet Banking service (including first DigiPass identifier device issue)	EUR 150 to EUR 250
  Account closing	free of charge
  Other accounts
  Opening of deposit account	free of charge
  Opening of escrow account used in purchase/sale standard transactions	0,50 % оf the value of the transaction (min LVL 30, max LVL 300)
  Non-standard agreements	as agreed between the parties
  Temporary account opening fee and a paid-in capital confirmation fee (a paid-in capital confirmation is a documentary evidence of paid-in capital)	EUR 30
  Account Service
  Personalized private customer service	EUR 10 per month
  Personalized corporate customer service	EUR 50 - 250 per month
  Maintenance charge on dormant account for private customers (no transactions for a period longer than 6 months). The fee does not apply to deposits and investment operations.	EUR 20 per month (starting from the 7th month)
  Maintenance charge on dormant account for corporate customers (no transactions for a period longer than 6 months). The fee does not apply to deposits and investment operations.	EUR 100 per month (starting from the 7th month)
  Interest rate paid on account balance in LVL	0 %
  Unauthorised Overdraft Fee (you overdraw your current account without authorisation). The fee will begin to be charged on the third business day after the day your go into the unauthorised overdraft.	60 %, minimum LVL 5
  Commission for credit of incoming payment to account	free of charge*
  *All additional charges of correspondent bank are covered by beneficiary
  Performance of mandatory actions required under law
  Acceptance of bailiff's order and the State Revenue Service's collection order for execution	LVL 5
  Compulsory transfer of money	In accordance with the Fee Schedule

  Preparation of Paperwork and Banker's References

  Service	Fee
  Payment Confirmation (copy of SWIFT message) received on the Bank's premises or via fax
  Payment Acknowledgment Message (a copy of a standard SWIFT form issued to the Client upon request)	copy delivered via fax - EUR 10 per copy
  Preparation and Issuance of References
  Verification of Account (VOA) or Verification of Deposit (VOD)	EUR 10
  Verification information provided: a specific transaction conducted at a  specified date and/or current account balance	EUR 10
  Complete Customer-related information intended specifically for auditors	EUR 50
  Letter of Recommendation from the Bank	EUR 100
  Non-standard banker's reference (when issuing a banker's reference containing complete, in-depth information for which the Bank charges a separate fee, banker's reference fee is determined as the total amount of separate fees)	Please contact us for specific fee information
  A paid-in capital confirmation fee (a paid-in capital confirmation is a documentary evidence of paid-in capital) (if the Customer holds a temporary account)	EUR 20
  Preparation of a copy of an executed payment order, upon request by the Customer
  On the execution date of a payment order	EUR 2
  For a 10-day period	EUR 2
  For a period of 10 days to 1 month	EUR 3
  For a period of 1 to 6 months	EUR 10
  For a period of 6 to 12 months	EUR 15
  For a period of longer than 12 months	EUR 25
  Modification of the database (in case the amendments to the legal documents are made)
  Attestation of the authenticity of sample signature cards and seal imprint	free
  Confirmation of the power of attorney (for natural persons)	free
  Correspondence Delivery
  Correspondence delivery by express mail service (EMS)	EMS fee
  Telex message	EUR 10
  Inland registered letter (within the Republic of Latvia)	LVL 1*
  International registered letter (outside the Republic of Latvia)	EUR 3*
  Inland fax message (within the Republic of Latvia)	LVL 0,50*
  Fax message within the Baltic States	EUR 2*
  Fax message within the European Community	EUR 3*
  Fax message to the CIS and other countries	EUR 5*
  *plus actual costs incurred, according to the effective postage and communications rates in the Republic of Latvia

• Escrow Account

  Escrow account service

  Service	Fee
  Opening of escrow account used in purchase/sale standard transactions	0,50 % оf the value of the transaction (min LVL 30, max LVL 300)

• Foreign Currency Exchange Transactions

  Service	Fee
  Cash conversion	at the Bank's exchange rate
  Non-cash conversion*	at the Bank's exchange rate
  * with respect to amounts over USD 10'000  or the equivalent in another currency, please call us at (371) 67000444

• Electronic Funds Transfers

  Fees of Payment Operations

  Service	Fee
  	standard	electronic services
  Transfers to own account
  LVL, EUR, USD and other currencies	free of charge
  urgent credit transfers in USD, EUR	free of charge
  Intrabank Transfers
  intra-bank transfers between & among same-client accounts	free of charge
  intra-bank transfers to other-client accounts (LVL)	free of charge
  intra-bank transfers to other-client accounts (EUR)	7 EUR	5 EUR
  intra-bank transfers to other-client accounts (USD)	9 USD	7 USD
  intra-bank transfers to other-client accounts (other hard currencies)	7 EUR	5 EUR
  intra-bank transfers to other-client accounts (RUB, BYR, UAH and other soft currencies)	9 USD	7 USD
  Transfers in LVL
  BIB Standard transfers to other bank in Latvia (SHA) * if a payment order is delivered for execution before 13:00, the account will be credited on the same day (same-day-value transfer)
  up to 50'000 LVL	0,50 LVL	0,30 LVL
  above 50'000 LVL	1 LVL	0,80 LVL
  Express transfer to other bank in Latvia *if a payment order is delivered for execution before 15:00, the account will be credited on the same day (same-day-value transfer)
  SHA	5 LVL	3 LVL
  To other bank abroad of Latvia (SHA)	5 LVL	3 LVL
  Transfers in EUR (1)
  BIB Standard transfers *if a payment order is delivered for execution before 13:00, the account will be credited on the same day (same-day-value transfer)
  SHA	20 EUR	15 EUR
  OUR (2;3)
  up to 10'000 EUR	20 EUR	15 EUR
  above 10'000 EUR	35 EUR	30 EUR
  BEN	not available
  Transfers in USD
  BIB Standard transfers *if a payment order is delivered for execution before 16:00, the account will be credited on the same day (same-day-value transfer)
  SHA	30 USD	25 USD
  OUR (2;3)	45 USD	40 USD
  BEN	25 USD	20 USD
  Transfers in other hard (freely convertible) currencies (1)
  Standard transfers *if a payment order is delivered for execution before 13:00, the account will be credited on the same day and processed T + 2 days
  SHA	25 EUR	20 EUR
  OUR (2;3)	30 EUR	25 EUR
  BEN	not available
  Transfers in RUB; BYR; UAH and others soft currencies
  BIB Standard transfers * a payment order is delivered for execution before 13:00, the account will be credited on the same day (same-day-value transfer)
  SHA	not available
  OUR (2;3)	25 USD	20 USD
  BEN	not available
  Transfers in CNY
  BIB Standard transfers * a payment order is delivered for execution before 13:00, the account will be credited on the same day and processed T + 2 days
  SHA	30 USD
  OUR (2;3)	not available
  BEN	30 USD

  Transfer related investigation arrangements or amendment of a payment orders

  Investigation or amendment of a payment
  Investigation or amendment of a payment in LVL up to 6 months	10 LVL*
  Investigation or amendment of a payment in LVL above 6 months	20 LVL*
  Investigation or amendment of a payment in freely convertible currencies up to 6 months old	100 EUR*
  Investigation or amendment of a payment in freely convertible currencies older than 6 months	150 EUR*
  Investigation or amendment of a payment in RUB, UAH, BYR	15 USD*
  In other cases	100 EUR*
  *All additional charges of intermediary and/or beneficiary bank are covered by remitter.
  Cancellation of payment
  Payment to the beneficiary's account in LVL	15 LVL
  Payment in freely convertible currencies up to 6 months old	75 EUR
  Payment in freely convertible currencies older than 6 months	100 EUR
  Bank's official written reply on investigation	10 EUR
  Incoming transfer investigation on incorrect transfer details
  in LVL	5 LVL
  in other currency	25 EUR/25 USD
  Copy of incoming or outgoing payment order or SWIFT
  copy up to 6 months old	10 EUR
  copy older than 6 months	15 EUR
  Government or local municipalities collection order processing	5 LVL

  Commissions of correspondent banks 

  (1) Transfers within European Economic Area countries (27 member states of European Union and Norway, Liechtenstein, Iceland) in currencies of its member states are executed with charge code „SHA” and “OUR”. If the customer indicates the charge code „BEN” in the payment order, the charge code „BEN” will be replaced with „SHA”. These changes will not affect existing EEA countries national currencies transaction outside EEA.

  (2) OUR - additional commissions arising during the payment transfer process (interbank and beneficiary bank) will be covered by the payer.

  (3) Baltic International Bank does not hold any liability if interbank and beneficiary bank in processing a payment with transfer instruction "OUR" has changed it on "SHA".

  Other fees 

  According to the Board's Minutes No. 04/2701/05 dated 27 January 2005, the bellow indicated commission charged for crediting incoming wires to bank accounts (where field 71A contains 'OUR') is due to take effect February 1, 2005:
  Amount	Commission
  USD
  0 - 10'000 USD	10 USD
  10'000,01 - 50'000 USD	20 USD
  50'000,01 USD and more	50 USD
  EUR
  0 - 10'000 EUR	10 EUR
  10'000,01 - 50'000 EUR	20 EUR
  50'000,01 EUR and more	50 EUR
  The commission will be borne by the Originator's Bank.
  Confirmation fee of account statement for auditors - 50 EUR.   Additional commision for non-recognized summ return (Originator's Bank commision) 25 USD/25 EUR Commission for the transaction return (based on receiver request, incorrect requisites, closed receiver account etc.) 25 USD/25 EUR/5LVL

• MasterCard Business

  Service	USD	LVL	GBP	EUR
  Issuance, Replacement of Cards
  Primary Card Issuance Fee	no fee
  Additional Card Issuance Fee	no fee
  Annual Fee for Primary Card	USD 100	LVL 50	GBP 65	EUR 70
  Annual Fee for Additional Card	USD 60	LVL 30	GBP 45	EUR 50
  Replacement Fee (charged for lost/stolen, or otherwise compromised card)	USD 40	LVL 20	GBP 25	EUR 30
  Urgent Replacement Fee charged for lost/stolen, or otherwise compromised (to be replaced within 3 hours)	USD 80	LVL 40	GBP 55	EUR 60
  Card Account Statements, Claim Review/Investigation
  Ungrounded Claim Fee (for each claim)	USD 45	LVL 20	GBP 25	EUR 30
  Statement Copy Fee (statement copy issued at the Bank's premises, e-mailed or sent via the Internet Banking system)	no fee
  Statement Copy Fee (statement sent via ordinary postal mail and faxed)	USD 4	LVL 2	GBP 3	EUR 3
  Duplicate Statement Copy Fee (statement covering particular time periods, excluding the last month statement, issued at the Bank's premises, e-mailed or sent via the Internet Banking system)	USD 3	LVL 1,50	GBP 2	EUR 2
  Duplicate Statement Copy Fee (statement covering particular time periods, excluding the last month statement; sent via ordinary postal mail or faxed)	USD 5	LVL 3	GBP 4	EUR 4
  Annual Percentage Rates Charged on the Credit Limit
  APR (Annual Percentage Rate) charged on the Credit Limit	22% per annum
  Annual Over-Limit Fee/Penalty Rate charged for exceeding the authorized credit limit	60% per annum
  Annual Late Payment Fee charged for ovedue payments	37% per annum
  Cash Advances
  Over-the-Counter Cash Advance Fee (at Baltiс International Bank) (information from private bankers)	0,50%	0,10% > LVL 1'000 0,30% > LVL 5'000	0,50%	0,50%
  Over-the-Counter Cash Advance Fee (at any other bank)	2% (min      USD 7)	2% (min           LVL 3,50)	2% (min. GBP 5)	2% (min EUR 5)
  ATM Cash Withdrawal Fee (on withdrawal from other bank ATMs)	1,50% (min  USD 4)	1,50% (min       LVL 2)	1,50% (min. GBP 3)	1,50% (min    EUR 3)
  Additional Terms and Conditions
  SMS Facility (per month, per card)	USD 3	LVL 1	GBP 2	EUR 2
  Currency exchange fee	2,50 % of the transaction amount
  Bonus overdraft facility issuance fee	LVL 20
  Purchase Fee (a fee for using the card for purchases in Latvia)	no fee
  Purchase Fee (a fee for using the card for purchases abroad)	no fee
  Annual Interest Rate Capitalized Monthly	Interest Rate is Equal to Open-End Deposit Rate

• Maestro

  Service	USD	LVL	GBP	EUR
  Issuance, Replacement of Cards
  Primary Card Issuance Fee	no fee
  Additional Card Issuance Fee	no fee
  Annual Fee for Primary Card	USD 30	LVL 15	GBP 20	EUR 25
  Annual Fee for Additional Card	USD 20	LVL 10	GBP 13	EUR 15
  Replacement Fee (charged for lost/stolen, or otherwise compromised card)	USD 16	LVL 8	GBP 10	EUR 12
  Urgent Replacement Fee charged for lost/stolen, or otherwise compromised (to be replaced within 3 hours)	service is not available
  Card Account Statements, Claim Review/Investigation
  Ungrounded Claim Fee (for each claim)	USD 45	LVL 20	GBP 25	EUR 30
  Statement Copy Fee (statement copy issued at the Bank's premises, e-mailed or sent via the Internet Banking system)	no fee
  Statement Copy Fee (statement sent via ordinary postal mail and faxed)	USD 4	LVL 2	GBP 3	EUR 3
  Duplicate Statement Copy Fee (statement covering particular time periods, excluding the last month statement, issued at the Bank's premises, e-mailed or sent via the Internet Banking system)	USD 3	LVL 1,50	GBP 2	EUR 2
  Duplicate Statement Copy Fee (statement covering particular time periods, excluding the last month statement; sent via ordinary postal mail or faxed)	USD 5	LVL 3	GBP 4	EUR 4
  Annual Percentage Rates Charged on the Credit Limit
  APR (Annual Percentage Rate) charged on the Credit Limit	Can only be used without credit limit
  Annual Over-Limit Fee/Penalty Rate charged for exceeding the authorized credit limit	Can only be used without credit limit
  Annual Late Payment Fee charged for ovedue payments	Can only be used without credit limit
  Cash Advances
  Over-the-Counter Cash Advance Fee (at Baltiс International Bank) (information from private bankers)	0,50%	0,10% > LVL 1'000, min LVL 0,20; 0,30% of the amount over LVL 5'000	0,50%	0,50%
  Over-the-Counter Cash Advance Fee (at any other bank)	2% (min USD 7)	2% (min        LVL 3,50)	2% (min. GBP 5)	2% (min EUR 5)
  ATM Cash Withdrawal Fee (on withdrawal from other bank ATMs)	1,50% (min      USD 4)	1,50% (min     LVL 2)	1,50% (min. GBP 3)	1,50% (min  EUR 3)
  Additional Terms and Conditions
  SMS Facility (per month, per card)	USD 3	LVL 1	GBP 2	EUR 2
  Currency exchange fee	2,50 % of the transaction amount
  Bonus overdraft facility issuance fee	LVL 20
  Purchase Fee (a fee for using the card for purchases in Latvia)	no fee
  Purchase Fee (a fee for using the card for purchases abroad)	no fee
  Annual Interest Rate Paid on the Deposit	not specified

• MasterCard Standard

  Service	USD	LVL	GBP	EUR
  Issuance, Replacement of Cards
  Primary Card Issuance Fee	no fee
  Additional Card Issuance Fee	no fee
  Annual Fee for Primary Card	USD 60	LVL 30	GBP 40	EUR 45
  Annual Fee for Additional Card	USD 50	LVL 25	GBP 35	EUR 40
  Replacement Fee (charged for lost/stolen, or otherwise compromised card)	USD 40	LVL 20	GBP 25	EUR 30
  Urgent Replacement Fee charged for lost/stolen, or otherwise compromised (to be replaced within 3 hours)	USD 80	LVL 40	GBP 55	EUR 60
  Card Account Statements, Claim Review/Investigation
  Ungrounded Claim Fee (for each claim)	USD 45	LVL 20	GBP 25	EUR 30
  Statement Copy Fee (statement copy issued at the Bank's premises, e-mailed or sent via the Internet Banking system)	no fee
  Statement Copy Fee (statement sent via ordinary postal mail and faxed)	USD 4	LVL 2	GBP 3	EUR 3
  Duplicate Statement Copy Fee (statement covering particular time periods, excluding the last month statement, issued at the Bank's premises, e-mailed or sent via the Internet Banking system)	USD 3	LVL 1,50	GBP 2	EUR 2
  Duplicate Statement Copy Fee (statement covering particular time periods, excluding the last month statement; sent via ordinary postal mail or faxed)	USD 5	LVL 3	GBP 4	EUR 4
  Annual Percentage Rates Charged on the Credit Limit
  APR (Annual Percentage Rate) charged on the Credit Limit	22% per annum
  Annual Over-Limit Fee/Penalty Rate charged for exceeding the authorized credit limit	60% per annum
  Annual Late Payment Fee charged for ovedue payments	37% per annum
  Cash Advances
  Over-the-Counter Cash Advance Fee (at Baltiс International Bank) (information from private bankers)	0,50%	0,10% > LVL 1'000, min LVL 0,20; 0,30% > LVL 5 000	0,50%	0,50%
  Over-the-Counter Cash Advance Fee (at any other bank)	2% (min USD 7)	2% (min             LVL 3,50)	2% (min. GBP 5)	2% (min EUR 5)
  ATM Cash Withdrawal Fee (on withdrawal from other bank ATMs)	1,50% (min USD 4)	1,50% (min LVL 2)	1,50% (min. GBP 3)	1,50% (min    EUR 3)
  Additional Terms and Conditions
  SMS Facility (per month, per card)	USD 3	LVL 1	GBP 2	EUR 2
  Currency exchange fee	2,50 % of the transaction amount
  Bonus overdraft facility issuance fee	LVL 20
  Purchase Fee (a fee for using the card for purchases in Latvia)	no fee
  Purchase Fee (a fee for using the card for purchases abroad)	no fee
  Annual Interest Rate Capitalized Monthly	Interest Rate is Equal to Open-End Deposit Rate

• MasterCard Gold

  Service	USD	LVL	GBP	EUR
  Issuance, Replacement of Cards
  Primary Card Issuance Fee	no fee
  Additional Card Issuance Fee	no fee
  Annual Fee for Primary Card	USD 140	LVL 70	GBP 90	EUR 100
  Annual Fee for Additional Card	USD 120	LVL 60	GBP 85	EUR 90
  Replacement Fee (charged for lost/stolen, or otherwise compromised card)	USD 40	LVL 20	GBP 25	EUR 30
  Urgent Replacement Fee charged for lost/stolen, or otherwise compromised (to be replaced within 3 hours)	USD 80	LVL 40	GBP 55	EUR 60
  Card Account Statements, Claim Review/Investigation
  Ungrounded Claim Fee (for each claim)	USD 45	LVL 20	GBP 25	EUR 30
  Statement Copy Fee (statement copy issued at the Bank's premises, e-mailed or sent via the Internet Banking system)	no fee
  Statement Copy Fee (statement sent via ordinary postal mail and faxed)	USD 4	LVL 2	GBP 3	EUR 3
  Duplicate Statement Copy Fee (statement covering particular time periods, excluding the last month statement, issued at the Bank's premises, e-mailed or sent via the Internet Banking system)	USD 3	LVL 1,50	GBP 2	EUR 2
  Duplicate Statement Copy Fee (statement covering particular time periods, excluding the last month statement; sent via ordinary postal mail or faxed)	USD 5	LVL 3	GBP 4	EUR 4
  Annual Percentage Rates Charged on the Credit Limit
  APR (Annual Percentage Rate) charged on the Credit Limit	22% per annum
  Annual Over-Limit Fee/Penalty Rate charged for exceeding the authorized credit limit	60% per annum
  Annual Late Payment Fee charged for ovedue payments	37% per annum
  Cash Advances
  Over-the-Counter Cash Advance Fee (at Baltiс International Bank) (information from private bankers)	0,50%	0,10% > LVL 1'000, min LVL 0,20; 0,30% > LVL 5'000	0,50%	0,50%
  Over-the-Counter Cash Advance Fee (at any other bank)	2% (min       USD 7)	2% (min            LVL 3,50)	2% (min. GBP 5)	2% (min      EUR 5)
  ATM Cash Withdrawal Fee (on withdrawal from other bank ATMs)	1.5% (min. USD 4)	1.5% (min         LVL 2)	1.5% (min. GBP 3)	1.5% (min  EUR 3)
  Additional Terms and Conditions
  SMS Facility (per month, per card)	USD 3	LVL 1	GBP 2	EUR 2
  Currency exchange fee	2,50 % of the transaction amount
  Bonus overdraft facility issuance fee	LVL 20
  Purchase Fee (a fee for using the card for purchases in Latvia)	no fee
  Purchase Fee (a fee for using the card for purchases abroad)	no fee
  Annual Interest Rate Capitalized Monthly	Interest Rate is Equal to Open-End Deposit Rate

• MasterCard Platinum

  Service	USD	LVL	GBP	EUR
  Issuance, Replacement of Cards
  Primary Card Issuance Fee	no fee
  Additional Card Issuance Fee	no fee
  Annual Fee for Primary Card	USD 300	LVL 150	GBP 230	EUR 250
  Annual Fee for Additional Card	USD 250	LVL 125	GBP 180	EUR 200
  Replacement Fee (charged for lost/stolen, or otherwise compromised card)	as agreed
  Urgent Replacement Fee charged for lost/stolen, or otherwise compromised (to be replaced within 3 hours)	as agreed
  Card Account Statements, Claim Review/Investigation
  Ungrounded Claim Fee (for each claim)	USD 45	LVL 20	GBP 25	EUR 30
  Statement Copy Fee (statement copy issued at the Bank's premises, e-mailed or sent via the Internet Banking system)	no fee
  Statement Copy Fee (statement sent via ordinary postal mail and faxed)	USD 4	LVL 2	GBP 3	EUR 3
  Duplicate Statement Copy Fee (statement covering particular time periods, excluding the last month statement, issued at the Bank's premises, e-mailed or sent via the Internet Banking system)	USD 3	LVL 1,50	GBP 2	EUR 2
  Duplicate Statement Copy Fee (statement covering particular time periods, excluding the last month statement; sent via ordinary postal mail or faxed)	USD 5	LVL 3	GBP 4	EUR 4
  Annual Percentage Rates Charged on the Credit Limit
  APR (Annual Percentage Rate) charged on the Credit Limit	0% per annum
  Annual Over-Limit Fee/Penalty Rate charged for exceeding the authorized credit limit	60% per annum
  Annual Late Payment Fee charged for ovedue payments	37% per annum
  Cash Advances
  Over-the-Counter Cash Advance Fee (at Baltiс International Bank) (information from private bankers)	0,50%	0,10% > LVL 1'000, min LVL 0,20; 0,30% > LVL 5'000	0,50%	0,50%
  Over-the-Counter Cash Advance Fee (at any other bank)	2% (min    USD 7)	2% (min     LVL 3,50)	2% (min. GBP 5)	2% (min   EUR 5)
  ATM Cash Withdrawal Fee (on withdrawal from other bank ATMs)	1,50% (min. USD 4)	1,50% (min LVL 2)	1,50% (min. GBP 3)	1,50% (min  EUR 3)
  Additional Terms and Conditions
  SMS Facility (per month, per card)	USD 3	LVL 1	GBP 2	EUR 2
  Currency exchange fee	2,50 % of the transaction amount
  Bonus overdraft facility issuance fee	LVL 20
  Purchase Fee (a fee for using the card for purchases in Latvia)	no fee
  Purchase Fee (a fee for using the card for purchases abroad)	no fee
  Annual Interest Rate Capitalized Monthly	Interest Rate is Equal to Open-End Deposit Rate

  Service	Fee
  Concierge Service	no fee
  Entrance Fee to VIP lounges (Priority Pass)	USD 24  or equal amount in other currency
  Card balance Enquiry	Fee (ATMs in Latvia and in EEC countries)

• Loans

  Service	Fee
  Considering of a Loan Application	LVL 100, 150, 250; EUR 150, 200, 300; USD 200, 300, 400
  Loan Origination	0,20 - 1,50 % оf the agreement sum
  Loan Agreement Amendments	EUR 40 - 400
  Loan Agreement Extension	to 1 % of the agreement sum
  Loan Repayment Schedule Modification	to 0,50 % of the agremeent sum
  Collateral Modification	to EUR 200*
  Loan Rate Modification	to 0,50 % of the agreement sum
  Irregular Documents Preparation	EUR 50 - 200
  Fee for Unused Creditline's Part	free of charge
  Commitment Fee	free of charge
  Early Loan Repayment	free of charge
  Providing the Process of Refinancing	EUR 300 - 800
  Preparation and Issuance of References, Statements	EUR 10
  * if the object of collateral  is physically located in Latvia. If the object of collateral is not physically located in the Republic of Latvia, the actual fee will be determined as 1 % of the agreement sum

• Individual Safe Deposit Boxes

  fee in LVL	1 day	1 week	1 month	3 months	6 months	1 year	2 years
  75x300x350	1	5	14	25	50	85	140
  95x300x350	1	6	16	35	60	95	160
  150x300x350	2	8	18	42	70	115	190
  200x300x350	2	10	23	50	75	120	220
  300x300x350	3	15	35	65	95	180	320
  75x300x350*	3	6	16	35	60	90	150
  150x300x350*	3	8	22	45	75	120	200
  300x300x350*	5	18	40	70	100	190	340
  Those clients who rent out safe deposit boxes for longer than 1 year are eligible to receive a 10% discount under the condition that the minimum term of the Rental Agreement is 6 months
  Lost key replacement: LVL 60
  Minimum term of Safe deposit box rent out - 3 days
  * Extra fireproof Safe Deposit Box

• Internet Banking

  Service	Fee
  Internet Banking
  Primary-user access to the Internet Banking and issuance of DigiPass identifier	no fee
  Servicing	no fee
  Secondary-user access to the Internet Banking and issuance of DigiPass identifier	EUR 50
  Secondary-user access to the Internet Banking without issuing a new DigiPass	EUR 15
  Issuance or replacement of DigiPass identifier	EUR 35

• Cash and Check Handling

  Cheque Transactions

  Service	Fee
  Cheque Book Issue Fee (cheques denominated in Latvian Lats)	no fee
  Cheque Collection Fee (commercial cheques)	0,50%, min USD 50
  Outstanding Cheque Fee	USD 50

  Cash Transactions

  Service	Fee
  Cash payment to Customer's own current account (no foreign coins accepted)
  LVL:
  Up to 10'000	free
  10'000+ per day	free
  USD:	free
  EUR:
  Up to 10'000	free
  10'000+ per day	free
  Currencies of other countries	free
  Cash payment to the current account of another person (no foreign coins accepted)
  LVL:
  Up to 10'000	free
  10'000+ per day	free
  USD:	free
  EUR:
  Up to 10'000	free
  10'000+ per day	free
  Currencies of other countries	free
  Withdrawal of cash from the current account
  LVL (to withdraw amounts exceeding LVL 20'000 or the equivalent in another currency, please submit a two-day prior Cash Withdrawal Notice)
  up to LVL 1'000 per day	free
  LVL 1'000 to 5'000 LVL per day	0,10% оf the amount
  LVL 5'000+ per day	0,30% of the amount
  USD, EUR	0,50% of the amount
  Currencies of other countries	0,50% of the amount*
  *additional expenses incurred by the bank in the delivery of the required foreign currency
  All types of foreign currencies
  Preparation of the requested withdrawal amount according to the Customer's choice of currency denominations	0,75% of the amount
  Amounts over LVL 20'000 or LVL or the equivalent in another currency to be withdrawn without a two-day prior written notice of the intended withdrawal	1% of the amount
  Penalty for failure to withdraw the required amount (according to a prior written notice)	0,50% of the required withdrawal
  Other cash transactions
  LVL:
  Exchange of banknotes for others of different denominations	0,75 % of the amount
  Exchange of banknotes for coins and vice versa -clients who hold account with the Bank	1% of the amount (min LVL 1)
  Exchange of banknotes for coins and vice versa - clients who do not hold account with the Bank	2% of the amount (min LVL 2)
  Foreign currencies:	1% of the amount (min LVL 1)
  Replacement of "unfit" banknotes (worn, deteriorated)
  Clients who hold account with the Bank:
  LVL	free
  USD	3% of the amount (min LVL 0,50)
  EUR	5% of the amount (min LVL 0,50)
  Other currencies	6% of the amount (min LVL 0,50)
  Clients who do not hold account with the Bank:
  LVL	free
  USD	4% of the amount (min LVL 0,50)
  EUR	6% of the amount (min LVL 0,50)
  Other currencies	7% of the amount (min LVL 0,50)
  Authenticity verification of banknotes	0,50% of the amount
  Acceptance of coins to be deposited into the account
  Up to 200 coins	free
  Coin counting fee (Latvian coins), if the total number of coins presented within  one day exceeds 200 (the coins should be sorted by denomination)	1% of the amount (min LVL 1)
  Coin exchange fee (exchange of coins into others of smaller denomination)	1% of the amount (min LVL 1)

• Documentary Letter of Credit

  
  

  Letters of Credit
  Consulting service	free
  Drafting of L/C wording	free
  L/C application processing	USD 50-200
  Pre-Advice	USD 50
  Opening L/C	0,20% of the amount (min. USD 200)
  Amendments to L/Cs	USD 100
  Increase in L/C amount	0,20% of the amount (min. USD 100)
  Verification of documents	0,20% of the amount, (min. USD 200)
  Taking-up of non complying L/C documents	USD 100
  Cancellation of L/C	USD 100
  Sending of additional SWIFT message upon request of the client	USD 50
  Deferred payment	USD 100
  Export Letters of Credit
  Pre-Advice	USD 50
  Advice of L/C	0,10% of the amount (min. USD 100)
  Advice of amendment to L/C (except L/C amount increase)	USD 100
  Advice of L/C amount increase	0,10% of the amount (min. USD 100)
  Verification of documents	0,20% of the amount (min. USD 200)
  Taking-up of non complying L/C documents	USD 50
  Cancellation of L/C	USD 100
  Transfer of L/C	0,20% of the amount (min. USD 200)
  Confirmation of L/C	By agreement
  Sending of additional SWIFT message upon request of the client	USD 50
  SWIFT messaging fees are included in the Fee Schedule. Additional fees include: courier delivery service fee (actual expenses incurred) and correspondent bank fees, if applicable.

• Documentary Collections

  
  

  Documentary Collection
  Consulting service	free
  Taking up a collection order	0,20% of the amount (min. USD 100)
  Amendment to a collection	USD 50
  Revocation of a collection	USD 50
  Delivery of documents against payment/acceptance	0,20% of the amount (min. USD 100)
  Delivery of documents without payment	USD 100
  Return of documents	USD 50
  Sending of additional SWIFT message upon request of the client	USD 50
  SWIFT messaging fees are included in the Fee Schedule. Additional fees include: courier delivery service fee (actual expenses incurred) and correspondent bank fees, if applicable.

• Bank Guarantee

  
  

  Bank Guarantees
  Consulting service	free
  Drafting of guarantee wording	free
  Processing of application for issuance of bank guarantee	USD 50-200
  Guarantee documents preparation
  guarantee secured by cash (deposit)	0,10% of the amount (min. USD 100)
  guarantee secured by any other type of collateral	0,20% of the amount (min. USD 200)
  Guarantee issuance
  guarantee secured by cash (deposit)	2% per annum (min. USD 200)
  guarantee secured by any other type of collateral	min. 3% per annum (min. USD 200)
  Guarantee amount increase
  guarantee secured by cash (deposit)	0,10% of the amount (min. USD 100)
  guarantee secured by any other type of collateral	0,20% of the amount (min. USD 200)
  Amendment (except guarantee amount increase) in guarantee issuance agreement	USD 100
  Payment made by the Bank under the guarantee	0,20% of the amount (min. USD 200)
  Revocation of a bank guarantee	USD 100
  Advice of a bank guarantee issued in favor of a Customer by the other bank	0,10% of the amount (min. USD 100)
  Advice of amendment in guarantee issued by the other bank (уxcept guarantee amount increase)	USD 100
  Advice of increase in the amount of guarantee issued by the other bank	0,10% of the amount (min. USD 100)
  Issuance of a counter-guarantee by the other bank	as agreed between the parties
  Sending of additional SWIFT message upon request of the client	USD 50
  Preparation of claim under a bank guarantee	USD 200
  SWIFT messaging fees are included in the Fee Schedule. Additional fees include: courier delivery service fee (actual expenses incurred) and correspondent bank fees, if applicable.

• International Trade Finance

  Trade finance
  Consulting service	free
  Development of the structure of trade finance deal	free
  Processing of trade finance application	USD 300-500
  Trade finance limit agreement preparation	0,20%-1% of the limit amount
  Processing of trade finance limit amendment application	USD 200-300
  Increase of trade finance limit amount	0,20%-1% of the increase amount
  Amendment of trade finance limit (except increase of amount)	USD 300-500
  Repayment of trade finance limit in advance	free
  Issuance of references and statements	USD 20

• Standard Deposit

  	1 mon	3 mon	6 mon	9 mon	12 mon	24 mon	36 mon
  Deposit in LVL
  5 000 - 49 999 LVL	0,10	0,40	0,90	1,10	1,30	-	-
  50 000 - 500 000 LVL	0,10	0,65	1,10	1,20	1,50	-	-
  Deposit in EUR
  10 000 - 49 999 EUR	0,10	0,40	0,90	1,10	1,30	1,65	2,00
  50 000  - 500 000 EUR	0,10	0,65	1,10	1,20	1,50	1,90	2,25
  Deposit in USD
  10 000 - 49 999 USD	0,10	0,30	0,65	0,90	1,10	1,45	1,70
  50 000 - 500 000 USD	0,10	0,55	0,90	1,10	1,35	1,70	1,95
  Deposit in GBP
  5 000 - 49 999 GBP	0,25	0,80	1,05	1,55	2,05	2,35	2,55
  50 000 - 500 000 GBP	0,25	1,05	1,30	1,80	2,30	2,50	2,80
  Individual deposit terms and conditions for the amount exceeding 500 000 LVL, EUR, USD or GBP.
  Interest is paid out on a monthly basis, on a quarterly basis, or at maturity.
  No interest capitalisation.
  No option to add / replenish funds to the accounts.
  Safekeeping fee (charged for safekeeping of your funds after the expiration date of the deposit) - 1 LVL per month, provided that the amount of the deposit has not been involved in any banking transactions within 6 months after the expiration date of the deposit. The fee is not applicable if you hold a current account with the bank.

• Upfront Interest Standard Deposit

  	6 mon	9 mon	12 mon	24 mon	36 mon
  LVL
  5 000 - 49 999 LVL	0,89	1,09	1,28	-	-
  50 000 - 500 000 LVL	1,09	1,19	1,48	-	-
  EUR
  10 000 - 49 999 EUR	0,89	1,09	1,28	1,62	1,96
  50 000  - 500 000 EUR	1,09	1,19	1,48	1,87	2,20
  USD
  10 000 - 49 999 USD	0,65	0,89	1,09	1,43	1,67
  50 000 - 500 000 USD	0,89	1,09	1,33	1,67	1,91
  GBP
  5 000 - 49 999 GBP	1,04	1,53	2,01	2,30	2,49
  50 000 - 500 000 GBP	1,28	1,77	2,25	2,44	2,73

• Standard Deposit in RUB, JPY, CAD, AUD and CHF Currencies

  		12 mon	24 mon	36 mon
  RUB	3 000 000 - 30 000 000 RUB	5,00	5,75	6,00
  AUD	100 000 - 1 000 000 AUD	4,70	5,00	5,15
  JPY	10 000 000 - 100 000 000 JPY	0,30	0,50	0,60
  CAD	100 000 - 1 000 000 CAD	2,15	2,45	2,60
  CHF	100 000 - 1 000 000 CHF	1,10	1,30	1,40
  Individual deposit terms and conditions for the amount exceeding 1 000 000 USD equivalent

• Accumulative Savings Deposit

  	6 mon	9 mon	12 mon	24 mon	36 mon
  Deposit in LVL
  5 000 - 500 000 LVL	0,85	0,85	1,00	-	-
  Deposit in EUR
  10 000 - 500 000 EUR	0,85	0,85	1,00	1,40	1,75
  Deposit in USD
  10 000 - 500 000 USD	0,65	0,75	0,85	1,20	1,45
  Deposit in GBP
  5 000 - 500 000 GBP	1,05	1,45	1,80	2,00	2,30
  Individual deposit terms and conditions for the amount exceeding 500 000 LVL, EUR, USD or GBP.
  Interest is paid out at maturity.
  Interest capitalisation on monthly basis.
  An option to add / replenish funds to the accounts.
  An option to withdraw up to 10% of the deposit amount once a year  providing that you have previously increased the deposit amount by at least 10%.
  Safekeeping fee (charged for safekeeping of your funds after the expiration date of the deposit) - 1 LVL per month, provided that the amount of the deposit has not been involved in any banking transactions within 6 months after the expiration date of the deposit. The fee is not applicable if you hold a current account with the bank.

• Multicurrency Deposit

  	3 mon	6 mon	9 mon	12 mon	24 mon	36 mon
  Deposit in LVL
  Up to 200 000 USD*	0,05	0,65	0,85	1,05	-	-
  200 000 USD* and more	0,40	0,85	0,95	1,25	-	-
  Deposit in USD
  Up to 200 000 USD	0,05	0,40	0,65	0,85	1,20	1,45
  200 000 USD and more	0,30	0,65	0,85	1,10	1,45	1,70
  Deposit in EUR
  up to 200 000 USD*	0,15	0,65	0,85	1,05	1,40	1,75
  200 000 USD* and more	0,40	0,85	0,95	1,25	1,65	2,00
  Deposit in GBP
  Up to 200 000 USD*	0,55	0,80	1,30	1,80	2,10	2,30
  200 000 USD* and more	0,80	1,05	1,55	2,05	2,25	2,55
  * The equivalent amount in correspondent currency is calculated at the rate set by the Bank of Latvia.
  Interest rates are established simultaneously for all the currencies and remain unchanged over the life of the deposit.
  Deposit interest is paid out on an annual basis or on the Deposit maturity date.
  Safekeeping fee (charged for safekeeping of your funds after the expiration date of the deposit) - 1 LVL per month, provided that the amount of the deposit has not been involved in any banking transactions within 6 months after the expiration date of the deposit. The fee is not applicable if you hold a current account with the bank.

  Terms and Conditions
  Minimum Amount	50 000 LVL / GBP; 100 000 USD; 70 000 EUR
  Minimum Conversion Amount	10 000 LVL / GBP; 20 0000 USD; 15 000 EUR

• Open-End Deposit

  	LVL	USD	EUR	GBP
  5 000 - 49 999	0,05	-	-	0,05
  10 000 - 49 999	-	0,05	0,05	-
  50 000 - 500 000	0,15	0,15	0,15	0,15
  Individual deposit terms and conditions for the amount exceeding 500 000 LVL, EUR, USD or GBP.
  Interest is paid out at maturity.
  Interest capitalisation on monthly basis.
  The original rate may be revised during the life of the deposit.
  An option to add / replenish funds to the accounts.
  Demand deposit.
  Safekeeping fee (charged for safekeeping of your funds after the expiration date of the deposit) - 1 LVL per month, provided that the amount of the deposit has not been involved in any banking transactions within 6 months after the expiration date of the deposit. The fee is not applicable if you hold a current account with the bank.

• Junior Deposit "Start-up"

  Child's age	EUR	USD	GBP
  up to 5 years	2,70%	2,55%	3,50%
  6-11 years	2,30%	2,15%	3,10%
  12-17 years	1,90%	1,75%	2,70%
  Minimum amount of deposit:	10 000	10 000	5 000
  Tenor - 1 year  to the date on which the minor/juvenile reaches the majority age (18 years).
  The rate is originally set for 1 year; thereafter, the rate will be reset on a certain date (01 June).
  Interest capitalization - on the yearly basis.
  Interest paid out at maturity.
  An option to add / replenish funds to the accounts.
  Safekeeping fee (charged for safekeeping of your funds after the expiration date of the deposit) - 1 LVL per month, provided that the amount of the deposit has not been involved in any banking transactions within 6 months after the expiration date of the deposit. The fee is not applicable if you hold a current account with the bank.

• Subordinated Deposit (Borrowing)

  Currency	Minimum Deposit Amount	Tenors / Rates, %
  		5 years	6 years	7 years
  USD	150 000	3,75	4,00	4,25
  EUR	100 000	4,75	5,00	5,25
  GBP	100 000	4,25	4,50	4,75
  CHF	150 000	2,00	2,25	2,50
  Subordinated deposit may be held in multiple currencies if such a multicurrency deposit satisfies Bank-specified minimum sum requirement.

• Transactions in Financial Instruments

  Service	Fee
  Management fee (% p.a. of the total starting value of assets under trust management)
  Conservative portfolio	up to 1,25% per year
  Balanced portfolio	up to 1,50% per year
  Speculative portfolio	up to 2,00% per year
  Portfolio construction fee (% of the total value of assets under trust management)
  Portfolio construction per special request	0,30%
  Performance fee (per annum) calculated as a percentage of profits (being the increase in the net asset value or NAV) earned on the assets under management
  Conservative portfolio	0%
  Balanced portfolio	up to 20%
  Speculative portfolio	up to 20%

• Alternative Investments

  Investment projects

  Service	Fee
  Project consideration and documents preparation for the deal (incl. settlement scheme development, legal documents preparation, legal issues solving, dokuments preparation etc)	1,00-3,00 % of the investment sum, min. EUR 10 000
  Search for financing and real deal settlement	1,00 % of the investment sum
  Investment projects offer to Bank clients (prospective investors)	free of charge
  Investment deal settlement (for investors)	1,00-3,00 % of the investment sum, min. EUR 10 000
  Project administration (for investors)	1,00-2,50 % of the investment sum, per annum
  Additional fees may be charged upon the agreement with a client

  Loan Trust Transactions

  Service	Fee
  Considering of a Loan Application*	LVL 50, 100, 150 EUR 70, 150, 215 USD 100, 200, 300
  Loan Account / Trust Account Opening	free of charge
  Loan Agreement / Trust Agreement Preparation	free of charge
  Collateral Modification**	to EUR 200 if the object of collateral is physically located in Latvia
  Fee for Unused Loan's Part	free of charge
  Loan Agreement Extension*	LVL 25, 50, 100 EUR 35, 70, 140 USD 50, 100, 200
  Loan Repayment Schedule Modification*	LVL 25, 50, 100 EUR 35, 70, 140 USD 50, 100, 200
  Loan Interest Rate Modification*	LVL 25, 50, 100 EUR 35, 70, 140 USD 50, 100, 200
  Early Loan Repayment	free of charge
  Loan Account / Trust Account Closing	free of charge
  Trust Transactions Management Fee Charged by the Bank*	as agreed
  Review of the application for pre-term termination of the Trust Agreement on Client’s initiative*	LVL 50, 100, 150 EUR 70, 150, 215 USD 100, 200, 300
  Procedural formalities relating to pre-term  termination of the Trust Agreement *	up to 5% of the amount of the agreement
  *depending on the complexity and the specific features of the loan (project being financed)
  ** If the object of collateral is not physically located in the Republic of Latvia, the actual fee will be determined in each individual case.
  All the aforementioned fees are deducted in the currency of a transaction

• Investments in Bond Market

  
  

  Transactions in Financial Instruments (Foreign Markets)
  - Transactions on Eurobonds	0,10%, min. EUR 100 (1)
  - Transactions on U.S. Treasuries	0,01%, min. USD 100 (1)
  - Custody fee for FI of foreign issuers (2):
  EUR-denominated Eurobonds (per month)	0,015%
  portfolio value is up to EUR 500'000	0,02%, min. EUR 25
  portfolio value is over EUR 500'000	0,015%
  RUR-denominated bonds (per month)	0,015%, min. EUR 25
  other bonds of foreign issuers	0,015%, min. EUR 25
  other bonds of foreign issuers
  portfolio value is up to EUR 500'000	0,02%, min. EUR 25
  portfolio value is over EUR 500'000	0,015%
  - Additional fees charged for the best execution of a customer's limit order in financial instruments transactions, 50% of the  difference between the best execution price and the price indicated in the customer's order (3)
  Other transactions
  - FI account opening	no fee
  - Receive Free of Payment	EUR 20 (1)
  - Delivery Free of Payment	0,10% of market value, min. EUR 30 (1)
  - Delivery versus Payment (DVP)	0,10% of market value, min. EUR 30 (1)
  - Statement of FI account
  regular (monthly)	no fee
  additional statement on request	LVL 3
  Notes:
  1 Settlement fee is charged additionally, min. 40 EUR
  2 The custody fee is assessed at the end of each month. The assessment is based on the market value of the securities held. Where the market value of the bonds is below their face value, the fee is based on the face value. The quarterly fee shall not be less than the amount of costs/expenses actually incurred.
  3 Additional fees only charged when the limit order is executed at a price better than the price specified. Fee for the execution of a customer's limit order is calculated on a net price of the securities, that includes a bank remuneration in case the limit order is executed at a better than price specified in a customer's order.

• Investments in Stock Market

  
  

  Transactions in Financial Instruments (Foreign Markets)
  -Transactions on U.S. stock exchanges: stocks	0,31%, min. USD 50 (1)
  -Transactions in Russian stocks (MICEX)	0,25, min USD 40 (1)
  -Transactions on the stock exchanges of Western and Northern Europe, stocks (1)	0,35 - 0,45%, USD 40/EUR 40/GBP 50
  -Transactions on other stock exchanges (Eastern Europe, Singapore, Australia, Hong Kong, Middle Asia)	as agreed (1)
  -Investment funds /CIUs	as agreed
  -Additional fees charged for the best execution of a customer's limit order in financial instruments transactions, 50% of the difference between the best execution price and the price inidcated in the customers's order (2)
  -Custody fee for FI of foreign issuers (3):
  stocks (including ADRs, GDRs):
  portfolio value is up to EUR 500'000	0,020%, min. EUR 25
  portfolio value is over EUR 500'000	0,015%
  Transactions in Financial Instruments (Latvian Market)
  -External FI transfer	LVL 35
  -Internal FI transfer	LVL 10
  -DVP (Delivery versus Payment)	LVL 25
  -FI portfolio transfer to another custodian	LVL 20 per each FI code, min LVL 12
  -Transfer of Latvian Treasury notes	LVL 20
  -FI collateral Internal registration	LVL 15
  -Freezing of the FI account held in the owner's name before the shareholders' meeting	LVL 10
  -Statement of FI account	as agreed
  regular (monthly)	no fee
  additional statement on request	LVL 3
  -Maintenance fee for stocks (per month)	0,040%* of FI value min LVL 2,50
  -Maintenance fee for stocks, if total value of the shares held in custody exceeds LVL 1 million (per month)	0,030* of FI value
  -Maintenance fee for Treasury notes (per month)	0,0030* of FI value min LVL 2,50
  -Maintenance fee for corporate bonds of Latvian issuers (per month)	0,0050%* of FI value min LVL 2,50
  -FI account closure	no fee
  -Purchase of Latvian Treasury bonds in the primary market	0,10%, min. LVL 25
  -Transactions in the NASDAQ OMX Riga Stock Exchange (RSE):
  transaction volume LVL 1 to LVL 10'000	0,350%, min. LVL 4
  transaction volume over LVL 10'000	as agreed, min LVL 4
  * Methodology for calculating the custody fee: the fee is calculated and charged on a monthly basis. The fee is based on the market value of the securities held in custody. Where the market value is below the face value, the fee is based on the face value of the securities.
  Other transactions
  -FI account opening	no fee
  -Recieve Free of Payment	EUR 20 (4)
  -Delivery Free of Payment	0,10% of market value, min. EUR 30 (4)
  -Delivery versus Payment (DVP)	0,10% of market value, min. EUR 30 (4)
  -Statement of FI account	no fee
  regular (monthly)	no fee
  additional statement on request	LVL 3
  Notes
  1 The fee for transactions in shares does not include compulsory payments/fees and third-party fees charged by stock exchanges, foreign regulators of the financial instruments markets and associations of professional market participants. Third-party and compulsory fees are to be charged additionally.
  2 Additional fees are only charged when the limit order is executed at a price better than the price specified. Fee for the execution of a customer's limit order is calculated on a net price of the securities, that inlcudes a bank remuniration in cases the limit order is executed at a price better than the price specified in a customer's order.
  3 The custody fee is assessed at the end of each month. The assessment is based on the market value of the securities held. Where the market value of the bonds is below their face value, the fee is based on the face value. The quarterly fee shall not be less than the amount of costs/expenses actually incurred.
  4 Settlement fee is charged additionally, min. EUR 40.

• Repo-style Transactions

  
  

  REPO-style transactions
  - REPO deals	EUR 75
  - Interest rate on REPO	as agreed

• Futures Contracts

  
  

  Trading futures
  - Trading futures	USD 30, EUR 30, GBP 30 the complete turnover (1)
  Notes
  1 Complete turnover = purchase + sale of 1 contract

• Trading stocks, futures, and currencies through BIBtrader

  BIBtrader platform access and funds transfer fees

  User Access Fee charged by the trading platform  - EUR 100/month*

  Funds transfer from the BIBtrader account to the account held with Baltic International Bank - no fee

  Minimum deposit amount (to be eligible to use BIBtrader platform): USD 50,000 /equivalent in another currency * Fee for providing real-time quotes is charged separately and is not included in User Access Fee charged by the trading platform. The amount of the fee depends upon the types of customers (private individuals / corporates) and varies on an exchange-by-exchange basis.

  Equity trading 

  Market	Fee	Minimal fee	Currency
  Australia	0,20%	50	AUD
  London International Exchange	0,20%	40	USD
  London Stock Exchange SETS Market	0,20%	50	GBP
  USA (NYSE, NASDAQ, AMEX)	0,025 USD  per share	50	USD
  USA (OTCBB; Pink Sheets) volume less than USD 50.000	50 USD per transaction		USD
  USA (OTCBB; Pink Sheets) volume not less than USD 50.000	0,25%		USD
  Canada	0,04 USD per share	50	CAD
  Amsterdam	0,20%	40	EUR
  Wiener Börse	0,20%	40	EUR
  Switzerland	0,20%	50	CHF
  Sweden	0,20%	350	SEK
  Denmark	0,20%	300	DKK
  Norway	0,20%	450	NOK
  Spain	0,20%	40	EUR
  Finland	0,20%	40	EUR
  Italy	0,20%	40	EUR
  Germany	0,20%	40	EUR
  France	0,20%	40	EUR
  Belgium	0,20%	40	EUR
  Portugal	0,20%	40	EUR
  Hong Kong	0,25%	400	HKD
  Singapore	0,25%	70	SGD

  Fee for a voice -based deal or a deal transacted according to client's order by fax or internet banking system via client’s platform: USD 50*
  *The fee is only charged for the executed order, irrespective of the volume (size) of the transaction or the cumulative number of lots

  Futures trading 

  Market	Fee	Currency
  AUD	20	AUD
  CAD	15	CAD
  CHF	16	CHF
  EUR	15	EUR
  GBP	15	GBP
  HKD	90	HKD
  JPY	2'000	JPY
  SEK	150	SEK
  SGD	30	SGD
  USD	15	USD
  USD offline	45	USD

  Fee for a voice -based deal or a deal transacted according to client's order by fax or internet banking system transacted via client’s platform: USD 50*
  *The fee is only charged for the executed order, irrespective of the volume (size) of the transaction or the cumulative number of lots

  Forex trading 

  Terms and conditions for trading in major currency pairs and precious metals:

  Currency pairs	Spread quoted in terms of pips
  EUR/USD	2
  GBP/USD	4
  AUD/USD	3
  EUR/CHF	3
  EUR/GBP	3
  EUR/JPY	3.5
  GBP/JPY	7
  USD/CAD	4
  USD/CHF	3
  USD/JPY	3
  XAU/USD (gold)	0.6
  XAG/USD (silver)	0.055

  Fee for a voice -based deal or a deal transacted according to client's order by fax or internet banking system transacted via client’s platform: USD 50*
  *The fee is only charged for the executed order, irrespective of the volume (size) of the transaction or the cumulative number of lots

• FOREX Marginal Trade

  FOREX marginal trade

  Minimum security deposit	USD 50'000
  Placing a transaction	According to the Bank’s exchange rate
  Open position prolongation (SWAP)	According to the Bank’s exchange rate
  Commission fee for the transaction	Free of charge
  Commission fee for money transfer from platform (security deposit account)	Free of charge
  Commission fee for the operation on Meta Trader PRO platform	Free of charge

• Purchase Of The Physical Gold

  Purchase Of The Physical Gold

  	Purchase fee	Bullion storage fee	Bullion lease fee
  Bullion purchase without account opening	2,50 % from the bullion’s current market value (min USD 750)	-	-
  Bullion purchase with safe custody depositing	2,50 % from the bullion’s current market value (min USD 750)	60 LVL per 6 months / per kg or 100 LVL per 12 months / per kg	1,50 % from the bullion’s current market value

• Precious Metals Account

  Precious Metals Account

  	Purchase fee	Bullion storage fee	Bullion lease fee
  Bullion purchase with unallocated account opening- investment sum amounts up to 1'000'000USD	1,50 % from the bullion’s current market value (min USD 250)	5 EUR per month / per kg	0,50 % from the bullion’s current market value
  Bullion purchase with unallocated account opening- investment sum amounts to or over 1'000'000USD	1 - 1,50 % from the bullion’s current market value (min USD 250)	3 - 5 EUR  per month / per kg	0,30 - 0,50 % from the bullion’s current market value
  	Account service	Selling	Purchase
  Bullion purchase with unallocated account opening as alternative settlement tool	1 % per year from avarage account balance	1,50 % from the bullion's current market value	0,50%  from the bullion's current market value
  Metal transfer between Precious Metal Accounts- no fee