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Tailored Financial Solutions for Wealth Management AB.LV: GENERAL INFORMATION

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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 savings account 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 overdraft 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 access 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
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