B&N BANK | Deposit "Conversion"

in Moscow

[from 28.06.2010]

Rubles deposits, interest rate (% annual)

Sum of deposit, rubles	Term of money allocation (days/months)^*
Sum of deposit, rubles	31/1	91/3	181/6	271/9	365/12	548/18	730/24	1095/36
> 200 000	4.60	7.20	8.00	8.45	9.00	8.90	8.80	8.20

US Dollars deposits, interest rate (% annual)

Sum of deposit, US Dollars	Term of money allocation (days/months)^*
Sum of deposit, US Dollars	31/1	91/3	181/6	271/9	365/12	548/18	730/24	1095/36
> 6 000	1.80	2.80	4.00	4.30	4.80	4.60	4.50	4.30

Euro deposits, interest rate (% annual)

Sum of deposit, Euro	Term of money allocation (days/months)^*
Sum of deposit, Euro	31/1	91/3	181/6	271/9	365/12	548/18	730/24	1095/36
> 6 000	1.30	2.80	3.50	3.95	4.50	4.30	4.30	4.20

* The term in months is given as a reference. The terms are determined accounting from the term indicated in days.

Basic terms of the deposit "Conversion"

Currency of the deposit	Russian rubles, US Dollars, Euro
Term of money allocation	1, 3, 6, 9, 12, 18, 24 and 36 months
Minimal sum of the deposit	200 000 rubles/ 6 000 US dollars/ 6 000 Euro
Additional fees	Optionally. Not less than 10 000 rubles/ 300 US dollars/ 300 Euro
Periodicity of interests payment	On the Depositor’s option at the end of the term or monthly in cashless transfer to the current account within the Bank in accordance with the tariffs valid for the moment of transfer
Pre-term withdrawal of part of the deposit sum	No
Pre-term denouncement of the deposit	According to the rate of the deposit poste restante which is valid in the Bank for the moment of the agreement denouncement
Automatic prolongation after the end of the deposit period	For the same term at the rate which is valid for the deposit poste restante in the Bank for the moment of prolongation
Payment of the deposit	On the Depositor’s option at the end of the term , monthly or quarterly in cashless transfer in accordance with the tariffs valid for the moment of transfer
Special terms of opening an account	-An account can be opened by the Bank’s depositor making a pre-term denouncement of following deposits: Profitable, Profitable + ("basic", without additional options); Profitable – VIP -An account cannot be opened by the Bank’s depositor, participating in any Banks loyalty programs covering prolongation under marked up interest rate (+ 0,15%, + 0,2%, + 1%).