B&N BANK | Deposit "Profitable+"

in Moscow

Basic terms of the deposit "Profitable +"


	Terms	Permissible concerns

	Currency of the deposit:	Russian rubles, US Dollars, Euro
	Minimal sum of the deposit:	10 000 rubles / 300 US Dollars / 300 Euro
	Additional fees:	Optionally, at the client’s option
	Pre-term withdrawal of part of the deposit sum:	Optionally, at the client’s option
	Periodicity of interest payment:	Monthly or at the end of the deposit term (оptionally, at the client’s option)
	Automatic prolongation after the end of the deposit period:	For the same term at the rate which is valid for the deposit in the Bank for the moment of prolongation
	Payment of the deposit:	At the end of the term in cash or by transfer in accordance with the tariffs of the Bank valid for the moment of payment
	Pre-term denouncement of the deposit:	At the rate of 0,001% annually with deduction of the difference between the paid interest and interest accumulated at the rate of 0,001% annually

[from 28.06.2010 г.]

Rubles deposits, interest rate (% annual)

Sum of deposit, rubles	Term of money allocation (days/months)^*
Sum of deposit, rubles	31/1	61/2	91/3	121/4	151/5	181/6	211/7	241/8	271/9	301/10	331/11	365/12	548/18	730/24	1095/36
10 000 – 199 999	5.60	6.90	8.20	8.45	8.70	9.00	9.15	9.30	9.45	9.60	9.75	10.00	9.90	9.80	9.20
200 000 – 699 999	5.70	7.00	8.30	8.55	8.80	9.10	9.25	9.40	9.55	9.70	9.85	10.10	10.00	9.90	9.30
> 700 000	5.90	7.20	8.50	8.75	9.00	9.30	9.45	9.60	9.75	9.90	10.05	10.30	10.20	10.10	9.50

USA Dollars deposits, interest rate (% annual)

Sum of deposit, US Dollars	Term of money allocation (days/months)^*
Sum of deposit, US Dollars	31/1	61/2	91/3	121/4	151/5	181/6	211/7	241/8	271/9	301/10	331/11	365/12	548/18	730/24	1095/36
300 – 4 999	2.80	3.30	3.80	4.20	4.60	5.00	5.10	5.20	5.30	5.40	5.50	5.80	5.60	5.50	5.30
5 000 – 19 999	2.90	3.40	3.90	4.30	4.70	5.10	5.20	5.30	5.40	5.50	5.60	5.90	5.70	5.60	5.40
> 20 000	3.10	3.60	4.10	4.50	4.90	5.30	5.40	5.50	5.60	5.70	5.80	6.10	5.90	5.80	5.60

Euro deposits, interest rate (% annual)

Sum of deposit, euro	Term of money allocation (days/months)^*
Sum of deposit, euro	31/1	61/2	91/3	121/4	151/5	181/6	211/7	241/8	271/9	301/10	331/11	365/12	548/18	730/24	1095/36
300 – 4 999	2.30	3.05	3.80	4.00	4.20	4.50	4.65	4.80	4.95	5.10	5.25	5.50	5.30	5.30	5.20
5 000 – 19 999	2.40	3.15	3.90	4.10	4.30	4.60	4.75	4.90	5.05	5.20	5.35	5.60	5.40	5.40	5.30
> 20 000	2.60	3.35	4.10	4.30	4.50	4.80	4.95	5.10	5.25	5.40	5.55	5.80	5.60	5.60	5.50

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

Possible options in the deposit "Profitable +" (for the deposits on the term of 4 months and more):


№	Name of the option	Correction values on the amount of which basic interest rates are corrected

		Rubles deposits	USA Dollars and Euro deposits
1.	Additional fees	- 0,3%	-0,3%
2.	Monthly interest payment	- 0,6%	- 0,4%
3.	Complete pre-term withdrawal	- 1,5%	- 1,5%
4.	Partial pre-term withdrawal	- 2,0%	- 2,0%
5.	Bonus prolongation	+ 0,15%	+ 0,15%


	Minimal sum of additional fees: 1 000 rubles./ 50 US Dollars/ 50 EURO. Making additional fees to the deposit terminates in 45 days before the date of the end of the agreement term. Options «Monthly interest payment» and «Partial pre-term withdrawal» cannot be active simultaneously. In case of choosing the option «Partial pre-term withdrawal» accounting of interest according to the rate indicated in the agreement is realized in case the client maintains minimal balance of the account in the volume 10 000 rubles./300 US Dollars/ 300 EURO. Option «Bonus prolongation» can be chosen by the Client at the moment of the deposit agreement conclusion, as well as during the whole term of the deposit (by means of concluding an appropriate additional agreement). At this, starting from the first prolongation after signing the agreement/additional agreement of prolongation, the basic rate is increased additionally in 0, 15% annually relative to the rate which is valid for the moment of prolongation. Rate increase rises proportionally to the number of prolongations. Starting from the 7th prolongation the rate rises in 0,9% annually relative to the basis rate which is valid for the moment of prolongation. In case of choosing the option «Complete pre-term withdrawal» accounting of the interest in case of pre-term closing of the deposit is realized according to the rate which was fixed for the corresponding period of the real time of money allocation in the deposit indicated in the agreement.

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