Savings accounts and fixed-term accounts for legal entities

Management fees

Deposit rates (expressed on an annual basis)

Keys elements of the base rate and bonuses

Non-regulated savings account - Treasury Flex Account

Minimum deposit periods for obtaining the bonus

Loyalty bonus :

To receive the loyalty bonus, an amount must remain on deposit for

• 91 consecutive calendar days for the Treasury Flex Account 3M;
• 182 consecutive calendar days for the Treasury Flex Account 6M;
• 365 consecutive calendar days for the Treasury Flex Account 12M.

An amount for which the loyalty bonus is awarded is automatically reinvested for
the same period.

Guarantee

Basic Rate :

The basic rate of interest is calculated on a daily basis and is not guaranteed, but calculated on a pro rata temporis basis in line with any interest rate changes.

Loyalty bonus :

The rate of the loyalty bonus applied at the time of the deposit, or at the start of a new loyalty period remains applicable throughout the entire loyalty period.

Allocations

Repayments are allocated against those amounts for which the bonus establishment period is the shortest.

Payment of interest earned

Interest is capitalised and paid on the value dates of 1 April, 1 July and 1 October during the year and 1 January of the following year into the Treasury Flex Account. Capitalised interest and bonuses are taken into account for the calculation of a loyalty bonus at the end of the bonus award period.

If the account is closed permanently during the year, the interest and bonuses already earned at that time may, upon request, be paid at the same time as the capital.

Non-regulated savings account - Short savings account

Minimum deposit periods for obtaining the bonus

Bonus :

The bonus is allocated to each deposit that remains in the account continuously for 91 calendar days (initial bonus award period) and then for each day where the account has a minimum balance of EUR 12,500 and a maximum balance of EUR 1,000,000. Otherwise, only the base rate will be awarded.

Guarantee

Basic Rate :

The basic rate of interest is calculated on a daily basis and is not guaranteed, but calculated on a pro rata temporis basis in line with any interest rate changes.

Bonus :

The bonus is not guaranteed and can be changed on a daily basis, based on any changes in interest rates.

Allocations

Depending on the amounts, withdrawals can reduce or cancel bonuses not yet accumulated during their bonus award period (initially 91 calendar days, then daily).

Payment of interest earned

Interest is capitalised and paid on the value dates of 1 April, 1 July and 1 October during the year and 1 January of the following year into the Short Savings Account. Capitalised interest and bonuses are taken into account for the calculation of a bonus at the end of the bonus award period.

If the account is closed permanently during the year, the interest and bonuses already earned at that time may, upon request, be paid at the same time as the capital.

Non-regulated savings account - Business Savings Account

Minimum deposit periods for obtaining the bonus

Bonus :

The bonus is allocated to each deposit that remains in the account continuously for 91 calendar days and if the account has a minimum balance of EUR 200,000. An amount for which a loyalty bonus is awarded is automatically reinvested for the same period.

Guarantee

Basic Rate :

The base rate of interest is calculated on a daily basis and allocated to all the deposits.

Bonus :

The rate of the loyalty bonus applicable at the time of deposit or at the start of a new loyalty period remains applicable during the entire loyalty period.

Allocations

Repayments are allocated against those amounts for which the bonus establishment period is the shortest.

Payment of interest earned

Interest is capitalised and paid on the value dates of 1 April, 1 July and 1 October during the year and 1 January of the following year into the Business Savings Account. Capitalised interest and bonuses are taken into account for the calculation of a bonus at the end of the bonus award period.

If the account is closed permanently during the year, the interest and bonuses already earned at that time may, upon request, be paid at the same time as the capital.