Tailored financial solutions for wealth management AB.LV: GENERAL INFORMATION

Our mission is to preserve and increase our customers' capital, providing financial and advisory services necessary for achieving this aim.

AB.LV has been operating in the modern banking services market for more than 15 years and is one of the largest and most profitable banks in Latvia. More than 600 highly professional employees work in the bank. AB.LV has representative offices in Moscow, St. Petersburg, Kiev, Odessa, Minsk, Baku, Almaty, and Tashkent.

User-friendly reliable Internetbank AB.LV ensures performing all account transactions at any place worldwide and at your suitable time.

BANK’S MOST DEMANDED PRODUCTS AB.LV IS: AND SERVICES INCLUDE: • Time-proved reliability and stability • deposits and investment products; • Modern technology and broad spectrum of • settlement products: services - current account, transfers, and currency • European standards of service transactions; • Guaranteed confidentiality of all customer - payment cards; information - documentary operations; • Openness to dialogue and attention to customers’ • financing; individual demands • asset management and tax structuring advisory services.

AB.LV GROUP MEMBERS:

• Aizkraukles Banka (banking services) • AB.LV Capital Markets (brokerage services) • AB.LV Asset Management (asset management) • AB Konsultācijas (advisory services)

AB.LV is present in

St. Petersburg Riga Moscow Minsk Kiev Odessa

Almaty Baku Tashkent SERVICING: PRIVATE BANKERS’ TEAM

Each customer is serviced by a constant team of several private bankers – personal financial advisors, providing single service for individuals and related companies.

MAIN TASKS OF A PRIVATE BANKER: SERVICE PRINCIPLES:

• examination of the customer business and the • trust-based long-term relationship between the region business environment; customer and the bank; • regular personal contact with the customer (phone • high standards of service; calls, meetings); • prompt and precise execution of orders; • clarification and analysis of the customer needs • confidentiality. and expectations; • monitoring of the services portfolio and status of the customer accounts; • tailored financial solutions for most efficient use of funds and increase of assets liquidity; • execution of the customer orders and transactions control; • assistance in completing bank documents; • providing information on the bank’s products and services; • handling non-standard situations and protection of the customer interests.

AB.LV customer service system

CUSTOMER AB.LV PRIVATE BANKER

Representative Office

Client Line

Investment Specialist

Loans Manager

Dealer

AB.LV SELF-SERVICE CHANNELS

Internetbank AB.LV

SMS

Payment Card DEPOSITS

If you do not plan using your free funds during some period, then it is not profitable to keep them in your current account, since inflation and increasing prices diminish the value of even the most hard currencies by 1.5-3% per year. If you are a rational conservative investor and prefer high security of funds alongside increase of capital, we propose you to place funds in savings accounts or deposits.

SAVINGS ACCOUNTS – FOR Benefits: SHORT-TERM SAVINGS • Savings accounts are opened free of charge. • You may replenish your savings accounts without A is an account opened for indefinite limits. period and intended for accumulating funds. This • Transfers between the current and savings account of account offers the following possibilities to the one customer are performed free of charge. customer: • It is possible to obtain short-term financing against unlimited replenishment of the savings account from • pledge of the savings account funds. your current account with AB.LV; • receiving interest yield on the account daily balance; • transferring funds from the savings account to your current account upon notification - from a savings account – notifying the bank 7 calendar days in advance; - from an EXTRA savings account – notifying the bank 33 calendar days in advance.

Depending on the customer needs and intentions, savings accounts may be opened in USD, EUR, or LVL. A separate savings account or EXTRA savings account is opened for each currency. Interest rates on saving accounts are reviewed monthly and depend on the market situation and changes in USD (LIBOR) and EUR (EURIBOR) interbank interest rates. Different interest rates are applied to each currency, depending on the savings account balance. DEPOSITS

DEPOSITS – FOR LONG AND Benefits: MEDIUM-TERM SAVINGS • Individual terms and conditions applied to deposits over USD 500,000/EUR 500,000/ LVL 100,000. A deposit may be placed for a period from 3 months to • Possibility to receive an up to 95% of the 5 years. The deposit amount is agreed at the moment of deposit amount. placing the deposit and cannot be increased later. AB.LV offers two types of standard deposits: • deposit with interest repayment at the end of the term – interest is paid on the day when the deposit is returned. This deposit type has a higher interest rate than the standard deposit with monthly interest repayment; • deposit with monthly interest repayment.

If you wish to deposit funds to the amount and for a period that are different from the bank’s standard offer, the terms and conditions of the deposit can be agreed individually. A deposit may also be made for less than 30 days. The interest rate, amount, and currency of such deposit are agreed individually with the bank on a case-by-case basis. A deposit can be placed in USD, EUR, or LVL. Different interest rates are offered for each currency according to the deposit period, type, and amount.

Example of asset allocation of the AB.LV customer

Customer assets

overdraft overdraft

savings account savings account savings account

EXTRA savings accounts

6-months deposit 6-months deposit

1-year deposit

1 2 3 4 5 6 7 months INVESTMENT

Depending on your knowledge of stock market, free time available, and desired degree of involvement, you may choose the most suitable form of cooperation with us: brokerage services or asset management, or a combination of both. We will act as your broker or asset manager able to operate virtually in the whole global stock market, so that you have single to all financial markets and the whole range of financial instruments offered.

BROKERAGE SERVICES Benefits: • Possibility to receive financing against pledge If you have free funds and intend to manage them of financial instruments held in your account profitably, if you plan to earn more than you could with AB.LV. This enables customers to increase by depositing the funds, and if you have sufficient the speculative potential of their positions in background to make independent decisions on securities and to purchase new lots of securities, investing in the stock market and are ready to take or to use additional funds for other purposes. reasonable risks, consider using AB.LV brokerage • Possibility to immediately use the funds services. withdrawn from investment for executing other transactions. The brokerage services are provided to AB.LV • No limits applied to the minimum investment customers by the bank’s subsidiary company AB.LV amount. Capital Markets. • Brokerage Department services customers from 9:00 till 23:00 (Latvian time). During such hours Following the customer instructions, AB.LV Capital you are offered a complete range of brokerage Markets sells and purchases all types of financial services: information about the situation on stock instruments in all important stock markets markets, purchase/sale of financial instruments, worldwide. The company actively operates in as well as use of financing provided for purchase the following regions: USA, Eastern and Western of financial instruments. European markets, markets of CIS states and • Single depo account used for holding all your developing countries of Asia and South America. securities, and opportunity to receive a single clear statement. Currently, AB.LV Capital Markets offers its • Direct access to the cash account, allowing customers bonds, stocks, and ETF (exchange-traded prompt monitoring of transactions and control of funds) transactions in all leading markets, as well as funds in your account. options and futures in the USA and European stock exchanges. Futures market offers players a unique opportunity of investing in stock index, oil, gold, currency, various financial instruments derivatives, etc.

Our highly qualified team will help you to create an investment portfolio, in which the potential profits and risks will be perfectly balanced for your investment goals.

INVESTMENT

ASSET MANAGEMENT Benefits: • Moderate limits applied to participation in asset If you have free funds that you intend to save and management programmes. increase, if you plan to invest your assets for a long • Possibility of high diversification of investments in term and are ready to trust professionals with their investing small amounts. management, consider using asset management • Single depo account used for holding all your services offered by AB.LV. securities, and opportunity to receive a single clear statement. The asset management services are provided • Direct access to the cash account, allowing by the bank subsidiary company AB.LV Asset prompt monitoring of transactions and control of Management. funds in your account. • Rational tax optimization ensured. Depending on your needs and the scope of your planned investment, you may choose the most suitable type of investments. We will create or assist in creating an investment portfolio for you, so that the portfolio best matches your profile.

AB.LV Asset Management individual investment programmes:

• “Emerging Markets Bonds” • “High Yield Bonds” • “Stocks”

Shares of funds managed by AB.LV Asset Management

• Open-end investment fund “AB.LV Emerging Markets Bond Fund” • Open-end investment fund “AB.LV Global ETF Fund” • Open-end investment fund “AB.LV High Yield CIS Bond Fund”

“AB.LV Emerging Markets Bond Fund” and “AB.LV Global ETF Fund” are registered with two subfunds, enabling investment in USD or EUR.

Types of managing customer assets

Discretionary Brokerage Asset Asset Advisory Services Services Management

Customer delegates Customer makes decisions Customer decision-making based on the bank’s advice makes decisions to the bank independently Degree of customer involvement in asset management SETTLEMENT PRODUCTS

AB.LV offers its customers settlement services that will help you in running your business. Our advantages are responsiveness, beneficial rates and charges, and focus on customer interests.

CURRENT ACCOUNT Incoming Transfers Incoming funds in EUR, USD, LVL are credited to Your cooperation with AB.LV begins with opening a customer accounts on the same bank day, provided multicurrency current account (a single account for the bank has received the information about funds all currencies) that allows performing settlement crediting to AB.LV main correspondent account transactions easily and quickly with favourable rates before 18:30 on the current transaction day, and and charges applied. funds in other currencies are credited on the Accounts are assigned IBAN-format numbers following bank day after they being credited to the in accordance with the international account bank’s main correspondent account. numbering standard in the EU states. Three Types of Commission Payments ACCOUNT OPERATIONS You may choose the commission type that is most Currency Transfers suitable for your business – OUR, SHA, or BEN. Each A broad network of correspondent banks allows us type has specific characteristics and advantages to make quick transfers in all main currencies of the – your private bankers will provide you with the world. AB.LV has correspondent accounts in more relevant information. than 20 countries worldwide. Regular Transfers AB.LV offers different types of transfers. Choosing This service makes it possible to perform automatic one of them, you choose the cost and term of regular transfers of a fixed amount from the making your transfer. For the sake of settlement customer current account with AB.LV to any other convenience, we offer later cut-off times. The terms account with our bank (current, savings, card, or of order submission to the bank are available on the cash account) or to an account with another bank. bank’s homepage www.ab.lv. The customer specifies transfer frequency, amount, and currency when filling in an application for regular transfers.

Types of commission payments charged for funds transfer

OUR

SHA

BEN

– commission amount withheld from the remitter's account – commission amount withheld from the transfer amount specified transfer amount – transfer amount received by the beneficiary SETTLEMENT PRODUCTS

Account Balance Management provided you have a current account password This service will be useful for customers holding and sufficient funds available, the currency a current account with AB.LV with a constant exchange transaction is performed during your cash flow. It might happen that customers fail to telephone conversation with the dealer. monitor their account balance, and as a result a bank transaction is not performed on time. An Benefits: efficient solution to this problem is using Account • Multicurrency current account. Balance Management. • Cut-off times for submitting orders for same day value transfers – at 17:00-18:00. This service enables you: • Prompt and efficient transfer processing. • to maintain a set maximum account balance – Same day incoming transfers. the excess funds will be transferred to another •  Competitive rates and charges. account with AB.LV, e.g. your savings account, • with regularity you prefer; • to maintain a set minimum card or cash account balance by replenishing this account using funds transfer from your current account.

Currency Exchange This service enables you to exchange currencies at the rate set by the bank. AB.LV informative currency exchange rates are provided on the bank’s homepage www.ab.lv. • Amounts up to EUR 5,000 or equivalent amounts in another currency are exchanged at the bank’s general exchange rate. • Exchanging an amount over EUR 5,000 or equivalent amounts in another currency, you may agree on an individual currency exchange rate, calling the bank’s Dealing Department officers (tel.: +371 6777 5308, +371 6777 5310). • For amounts exceeding EUR 5,000 or equivalent amounts in another currency, AB.LV offers an opportunity of currency exchange by phone. Upon agreeing the currency exchange rate,

Transfer Types

Express

Urgent

Standard

Time of execution PAYMENT CARDS

Nowadays, payment cards have become an integral part of our lives; they are effectively used instead of cash and offer a great number of new opportunities to their holders: cards are used to pay for goods and services, to withdraw cash from ATMs, to use credits, discounts and bonuses.

DEBIT CARDS CREDIT CARDS

• Cirrus, , , and MasterCard AB.LV allows credit in the form of a credit Classic. line. In order to use this type of credit, the customer should place a security deposit in the bank or obtain a Holders of debit cards can only use their own funds definite rating in the scoring system. equal to the card account current balance. Holders of credit cards are not required to repay the Cirrus payment card enables you to withdraw cash at a whole amount of the used credit each month: they are suitable time and in the desired currency. allowed to deposit only part of the debt to their card Maestro and Visa Electron allow withdrawing cash and account – a minimum payment, which usually equals paying for purchase of goods and services. just 5% of the credit balance at the end of the month. MasterCard Classic has all the features of a For VISA and MasterCard cards, AB.LV offers one of the credit card, except the . lowest credit interest rates among Latvian commercial banks.

Debit cards are available to AB.LV customers holding an active current account, but Maestro cards – also to our Personal Credit Cards customers’ children at least 13 years old. • MasterCard Classic and MasterCard Gold; Visa Classic You may choose EUR, USD, or LVL as debit card account and Visa Gold. currency. We also offer Maestro and VISA Electron cards in Russian roubles – RUB. A credit card allows you to withdraw cash from ATMs, If you plan to use your card in the Baltic and CIS states, pay for good and services, book hotel rooms, rent cars, debit cards are the most convenient and cost-effective and shop on the Internet. Note that for performing the option. above mentioned transactions a card does not always need to be present.

Corporate Credit Cards • MasterCard Business and MasterCard Gold Business, Visa Business and Visa Gold Business.

С помощью корпоративных кредитных карт сотрудники компании, находясь на международных встречах или в командировках, получают возможность осуществлять необходимые платежи, относя их на счет предприятия. Все сделки, проведенные с картой, будут учитываться и отражаться в ежемесячном отчете по карточному счету, что существенно облегчит работу бухгалтерии. PAYMENT CARDS

CHARGE CARDS Benefits: • Holders of MasterCard International and Visa • For individuals: Visa Gold, International system cards (except debit cards in Platinum Card and . roubles) are not charged commissions on purchases. • For corporate entities: Visa Gold Business. • To payment card holders, AB.LV offers an The main advantage of charge cards is that the opportunity to obtain a travel insurance policy cardholder is not charged interest on using the credit, providing coverage for unforeseen expenses when provided the overall amount spent during the current travelling abroad. Acquiring any credit card of Visa month is completely repaid to his card account International payment system, you will obtain this before a particular date (15th) next month. It is also insurance policy free of charge. important that holders of charge cards may receive a • Any card you choose (except Cirrus debit cards and significantly higher credit amount than that provided charge cards) is linked to a single account (that may under personal or corporate credit cards. be opened in USD, EUR, or LVL), thus optimizing card maintenance costs. Applying for a credit card, be conscientious and • Extra cards (e.g. for family members or authorized assess your ability to repay the credit carefully! persons) are issued at considerable discounts. • All cards issued by our bank are chip cards. In order to block a lost or stolen card, call the bank’s Compared to magnetic stripe cards, they have Client Line at +371 6777 5555. To block the card, you several important advantages, including better need to provide your name, surname, date of birth, protection against fraud and card forgery, and also and card password.. ensure convenient usage and multifunctionality.

EXTRA SERVICES

• SMS-control. Subscribing to the SMS-control service, you will get a statement on any card authorization to your mobile phone. The statement contains the authorization date, place, amount, and currency, alongside information on the account balance after each authorization performed. Thus, you can both control your card account and minimize the risk of fraudulent operations with your card. • Automatic repayment of card credit. If you subscribe to this service, your obligations under card credit will be fulfilled by the bank on time – the required amount will be transferred from your current account to your card account automatically in due time.

Benefits of AB.LV payment card

SAFETY CONVENIENCE high level of protection against automatic card credit fraud and forgery repayment SMS-report on card transactions maintenance of required card monitoring of transactions; limits on account balance cash withdrawal and purchases monthly card account statement 24-hour card blocking service

STYLISH DESIGN BENEFICIAL CONDITIONS low credit interest rate travel insurance DOCUMENTARY OPERATIONS

AB.LV is active in the field of documentary operations, aiming at providing its customers with easy and beneficial terms for import-export operations and trade finance. We execute operations using documentary credits, documentary collection, and bank guarantees.

Our customers are offered the following services: DOCUMENTARY CREDITS • consultations at the stage of choosing the best form of payment, which allows minimizing risk of A documentary credit is an obligation of the bank exporters and importers; that opens the letter of credit (the issuing bank) to pay the agreed amount to the seller on behalf of the • opening bank guarantees and import documentary letters of credit, including stand-by letters of credit; buyer, following strictly defined terms and conditions. The bank opens a letter of credit on the basis of the • confirmation of letters of credit and guarantees by AB.LV and by other European and American banks; importer’s instructions, which correspond to the agreement provisions. • advising of export letters of credit and guarantees; • checking documents and carrying out payments on letters of credit in favour of exporters; Letters of credit ensure several valuable advantages for the potential customers: • transferring letters of credit; • protection against business risks; • assignment of proceeds on letters of credit; • possibility to cooperate with any unfamiliar foreign • carrying out collection operations; partner; • financing using documentary operations. • secured remedies on transactions, ensured by ESCROW ACCOUNT international unified rules applied to letters of credit; • thorough checking of documents, related to letters An escrow account guarantees our customers of credit, performed by the bank. additional security of purchase and sale transactions. In this case the buyer, the seller, and the bank sign a AB.LV works only with irrevocable letters of credit. The three-party agreement which specifies the terms of consent of both the beneficiary and the responsible transaction. The bank guarantees that the buyer and banks is necessary in order to change or cancel the seller will both fulfil their responsibilities. conditions of an irrevocable letter of credit. The buyer can be sure that his money will be The bank issues the following types of documentary transferred to the seller only after certain agreement letters of credit to its customers: conditions are fulfilled. And the seller, in his turn, will have no doubts that upon fulfilment of conditions of Stand-by Letter of Credit the escrow account agreement, the bank will transfer One of the guarantee forms that is opened in case the entire agreed amount to the seller. of default. A stand-by letter of credit may be used The procedure of using an escrow account is as follows: as a tender guarantee, a performance guarantee, • the bank opens an escrow account following the a payment guarantee, and an advance payment application of one of the transaction parties; guarantee. • the buyer deposits the transaction amount in the account; Transferable Letter of Credit • the seller registers the requested documents and It allows the intermediary to transfer its right to presents confirming documents to the bank; receive funds under the letter of credit to one or more • the bank reviews the documents and transfers the suppliers. This provides the opportunity to carry out entire amount from the escrow account to the the deal with limited use of one’s own funds. seller’s account. DOCUMENTARY OPERATIONS

DOCUMENTARY COLLECTION • An advance payment guarantee is used when the contract provides for advance payment to Documentary collection is a method of executing be made in favour of the seller, and guarantees trade transactions, when the two parties entering into that the advance payment will be refunded to the an agreement trust each other sufficiently and are buyer in the event of the seller’s failure to fulfil his ready to do without guarantees secured by the letter obligations of delivery of the goods or services. of credit, but still would not like to make deliveries on an open account. Main advantages for the buyer (importer): Using documentary collection, the seller instructs his • Possibility to structure the payment schedule under bank to deliver shipping and/or financial documents the contract according to the importer’s interests. to the buyer against payment or acceptance of a bill • A letter of credit allows the importer to avoid or of exchange. The buyer cannot obtain such shipping reduce pre-payment documents without having paid for the goods. This • Exporter must comply with all terms of the contract, way, documentary collection provides the seller with as indicated in the letter of credit (shipment of the greater assurance that the receiver of the goods will goods, meeting delivery terms on stock, amount, fulfil the contract and deadlines) in order to receive the payment.

Main advantages for the seller (exporter): BANK GUARANTEES • Ability to structure the delivery schedule according A bank guarantee is an irrevocable obligation on the to the exporter’s interests. part of the bank to pay a specified amount in case of • Guaranteed payment upon presentation of the default by the party on behalf of which the bank is documents specified in the terms of the letter of giving the guarantee. credit. AB.LV offers the following types of guarantees to its • Reducing the production risk. customers: • Opportunity of getting financing in the period • A payment guarantee is used to guarantee the seller between the shipment of goods and receipt of the that the buyer will fulfil his payment obligations payment (in case of deferred payment). under the contract. • A tender guarantee (bid bond) is used for international tenders and covers the organizers’ expenses in case a participant revokes its bid or rejects the offer. • A performance guarantee is used to strengthen the contractual relationship between a buyer and a seller. It guarantees reimbursement of the agreed- upon amount unless goods are delivered or service is provided on the terms and conditions under the contract.

Methods of payment and related risks

0% 100%

Pre-payment

Guarantee

Letter of credit or Risk of the seller Risk of the buyer escrow account (exporter) (importer) Collection

Deferred payment

100% 0% FINANCING

Using financing services, a company is given opportunities for further development and growth. AB.LV specializes in providing financing to companies operating in the field of foreign trade and distribution, as well as to manufacturing companies that use imported components or raw materials.

AB.LV offers the following types of financing: Unsecured overdraft If the customer’s financial stability is assessed • working capital financing; positively, an unsecured overdraft may be granted • capital investment financing (refinancing); to the customer for execution of the planned • export delivery financing. payment order.

Minimum overdraft OVERDRAFT In case funds in your current account are AB.LV offers five types of overdraft financing – a insufficient for executing a payment order, a short-term loan for increasing the funds available in minimum overdraft to a small amount may be the customer’s current account. granted promptly.

Overdraft secured by account balance Overdraft line This type of overdraft is secured by the customer’s Additional funds in the customer’s current account account balance, and the collateral currency may granted on the basis of evaluation of the account differ from the credit currency. An overdraft may transactions. An overdraft line is opened for the also be granted to a customer in case another term of up to 6 months, provided that the used customer acts as a guarantor, pledging his funds part of the overdraft is repaid in full within the held with the bank as the overdraft collateral and specified period, which is shorter than the overdraft signing a corresponding guarantee agreement. term.

Overdraft secured by incoming payment Applying for a loan, be conscientious and assess When the customer expects to receive an incoming your ability to repay the loan carefully! payment and has a document that confirms the payer’s account has been debited, an overdraft Benefits: secured by incoming payment may be granted, • Prompt reviewing of application allowing the customer to perform planned • Competitive rates. transactions on time.

CONSULTANCY SERVICES

Main services: • providing legal backing in entering into • legal advice on account opening and the bank’s transactions, including drafting agreements, services; representation and protecting the customer’s • tax advice; interests, etc.; • accounting services and advice. COMMUNICATION WITH THE BANK: REMOTE SERVICE

AB.LV offers its customers a set of efficient tools for controlling and managing their capital, ensuring access to necessary bank information in any place and at any time.

Internetbank AB.LV – https://www.ab.lv BANK’S HOMEPAGE – www.ab.lv Convenient and functional system Internetbank AB.LV Optimized for the quickest possible access, AB.LV enables the bank’s customers to manage their funds and homepage ensures easy navigation and contains all perform all account operations at any place worldwide necessary information: on the bank proper, documents, and at a suitable time. Internetbank has a simple and and other important data for making transactions. clear menu with an accentuated active module, logical structure of sections and subsections, various electronic We respect you and intend to save your time, that forms of documents necessary for everyday work. is why all information is grouped by subject matter. Our homepage also provides information on currency System functionality: exchange rates, current offers, the bank’s services, • current account information; management, and other useful and interesting data about • funds transfers and currency exchange; the bank and its activities. • completion of applications for services and sending them to the bank; • opening and management of savings accounts; CLIENT LINE • opening deposit accounts; If you cannot remember your private banker’s phone • performing brokerage operations; number or wish to get general information on the • investment portfolio management; bank’s services and rates, call AB.LV Client Line at +371 • receiving up-to-date information from the bank; 6777 5555. • sending messages to the bank. The operator will provide you the necessary information and put your call through to your private banker or Other useful functions of Internetbank AB.LV: another bank officer. • possibility to create document templates; • searching for earlier orders; • grouping current orders to be sent as a packet FAX to the bank for processing; • creating user’s personal bookmarks; If none of the above communication ways suits you, you • possibility to obtain complete information on one’s may use the simplest communication channel and fax credit liabilities in the loans section; orders and other documents to the bank. • creating additional user accounts, granting them particular user rights for work in Internetbank and limiting their access to information. IDENTIFICATION MEANS Working with AB.LV, you will always be sure that your TELEPHONE ORDER data are safely protected. In order to access the bank’s information, the customer is identified by one of the This service is convenient for customers who need to means offered by our bank: make transfers wherever they are. You call your private • DigiPass device; banker and give oral instructions to make a transfer or • test keys generating program Test-Keys AB.LV; perform some other transaction. To use this service, you • code card; need to complete a telephone order application, setting • password. transfer templates and transaction limits. The Telephone The remote access means (except password) generate Order service also allows you to: an access code – a test key that enables us to guarantee • place a standard deposit; high security of your transactions and communication • open a savings account (EXTRA); with the bank. • alter terms and conditions of the existing savings account and to transfer funds from the savings account. Aizkraukles Banka 23 Elizabetes Street, Riga, LV-1010, Latvia Client Line: +371 6777 5555 e-mail: [email protected] www.ab.lv

IBAS “AB.LV Capital Markets” 23 Elizabetes Street, Riga, LV-1010, Latvia tel.: +371 6700 2777 e-mail: [email protected]

IPAS “AB.LV Asset Management” 23 Elizabetes Street, Riga, LV-1010, Latvia tel.: +371 6700 2777 e-mail: [email protected]

Representative offices of Aizkraukles Banka and AB Konsultācijas:

• Moscow, 20 Dayev Street, Office 227 tel.: +7 495 604-83-34

• St. Petersburg, Russia 8a Dobrolyubova Prospect tel.: +7 812 635-88-20

• Kiev, Ukraine 42/44 Shelkovichnaya Street tel.: +38 044 490-69-16

• Odessa, Ukraine 33 Zhukovskogo Street tel.: +38 048 734-53-31

• Minsk, Belarus 11/2 Nezavisimosti Prospect, Office 306, tel.: +375 17 210-47-12

• Almaty, Kazakhstan 188 Dostyk Prospect,, Office 402 tel.: +7 7272 59-84-80

• Baku, Azerbaijan 16 Gyullya Street, Icheri Shekher tel.:+994 12 437-25-78

• Tashkent, Uzbekistan 16 Sh. Rashidova Street, Office 7-01 Junus Abad District tel.: +998 90 988-98-81