Financial Instruments , Precious Metals , and Cash Accounts

Financial Instruments’, Precious Metals’ and Cash Accounts

Rates and Charges

Financial Instruments’ Account

Account opening free of charge Account maintenance free of charge Financial instruments’ custody1 Financial instruments that are held with the Latvian Central Depository: investment certificates of ABLV Asset Management, IPAS, free of charge open-end investment funds subordinated bonds issued by ABLV Bank, AS free of charge other financial instruments issued by ABLV Bank, AS 0.03% (p.a.) other financial instruments 0.12% (p.a.) Other financial instruments 0.24% (p.a.) Financial instruments’ transfers2: book transfer free of charge from account in another bank to ABLV Bank, AS, account actual expenses from ABLV Bank, AS, account to account in another bank 0.1% of the market value3 (min. 50 USD) Closing of account free of charge

Precious Metals’ Account

Account opening free of charge Account maintenance4 XAU (gold), XPT (platinum), XPD (palladium) 0.4% (p.a.) XAG (silver) 0.6% (p.a.) Precious metals’ transfersError: Reference source not found book transfer free of charge from account in another bank to ABLV Bank, AS, account actual expenses from ABLV Bank, AS, account to account in another bank 0.1% of the market value5 (min.100 USD) Closing of account free of charge

1 The fee is calculated on the basis of the portfolio monthly average market value, and withheld every month in USD; other currency may be designated for withholding the fee, following the customer’s request. The EUR equivalent of the total portfolio value is calculated as portfolio monthly average market value at the respective currency rate set by the European Central bank on the relevant day. For the ABLV Asset Management, IPAS, customers and from open-end investment funds managed by ABLV Asset Management, IPAS, no fee is charged. 2 Where an order for transfer is received by the Bank on a Bank day before 18:00 (Latvian time), the same Bank day is considered the day of accepting the order for execution, but in case the order for transfer is received after 18:00 (Latvian time), it is considered accepted for execution on the following Bank day. 3 Market value is determined at the day of submitting executing the transfer. The coupon income accrued is not included in calculation of bonds market value. If market value is not determined, the Bank determines it independently. 4 The fee is calculated based on the amount of precious metal in the account, and it is withheld on the last day of each month in USD in accordance with the precious metal price as at the day of withholding the fee. Following the customer’s request, the fee may be withheld in another currency, calculating the fee equivalent in the currency chosen by the customer applying the European Central bank respective currency rate as at the last day of the current month. 5 Market value is determined at the day of executing the transfer. If market value is not determined, the Bank determines it independently. If taxes, duties or other similar payments should be withheld from the charge, the Bank may withhold those payments in accordance with the procedure set forth in ABLV Bank, AS, General Terms of Business, increasing the charge amount accordingly.

ABLV Capital Markets, IBAS / Registration No. 40003814705 K4 / CEN.138.p.01 / 02 / 01.04.2014. 1/2 Cash Account

Account opening free of charge Account servicing free of charge Closing of account free of charge

Statements and Reports

Internetbank, via e-mail At the Bank Financial instruments’ portfolio status report: regular weekly / monthly / quarterly free of charge 10 EUR (per month) daily6 40 EUR (per month) – upon request 5 EUR (per report) 15 EUR (per report) Precious metals’ or cash account statement: regular free of charge 10 EUR (per month) repeated upon request 5 EUR (per statement) 15 EUR (per statement) Precious metals’ or cash account report upon request: for current year free of charge 15 EUR (per report) for previous years 10 EUR (per report) 20 EUR (per report)

Other Services

Reference 10 EUR Any other references 25 EUR Courier mail actual expenses Other services information available upon a request

6 Receiving statement / report daily is possible only upon the customer’s request.

ABLV Capital Markets, IBAS / Registration No. 40003814705 K4 / CEN.138.p.01 / 02 / 01.04.2014. 2/2