DEPOSIT INTEREST RATES (%) Annual Basis
PERIOD (Calc./Basis 365/365)

Currency	Deposit Amount
.
LEK	No minimum balance
	Savings	4.00%
.
USD	No minimum balance
	Savings	2.00%
.
EUR	No minimum balance
	Savings	2.70%
.
GBP	No minimum balance
	Savings	3.50%
.
LEK	200,000 - 10,000,000 Lek
	1 Month	3.50%
	3 Months	4.30%
	6 Months	5.20%
	1 Year	6.30%
	2 Years	7.20%
.
USD	2,000.00 - 100,000.00 USD
	1 Month	1.80%
	3 Months	2.00%
	6 Months	2.10%
	1 Year	2.20%
	2 Years	2.40%
.
EUR	2,000.00 - 100,000.00 EUR
	1 Month	2.50%
	3 Months	3.50%
	6 Months	3.70%
	1 Year	3.90%
	2 Years	4.20%
.
GBP	1,000.00 - 50,000.00 GBP
	1 Month	3.30%
	3 Months	3.50%
	6 Months	3.50%
	1 Year	3.80%
.

Note:  The USD time deposit interest rates are negotiable for amounts over 100,000.00 USD and periods other than the above mentioned ones.

The EUR & GBP time deposits interest rates are negotiable for amounts over 100,000.00 EUR and 50,000.00 GBP respectively and for periods other than the above mentioned ones.

The interest rate of the savings accounts is calculated over the minimum monthly balance.The interest will be credited every end of month.

The Bank reserves the right to change the above rates at any time, without prior notification.