Certificates of Deposit*

* - the below deposit terms are effective from March 1, 2012.

To provide the Bank customers with the most comprehensive financial instruments and personal banking services deposit products that best meet the individual goals and objectives of the investor were designed. Deposits of BFA Bank provide a guaranteed income and a full range of services for flexible management of personal finances – from the opportunity to replenish the deposit account daily to investments in gold.

Profitable certificate of deposit "PIASTRE" combines the possibility of obtaining a high yield and replenishment, as well as preferential terms of early termination.
Universal certificate of deposit "DUCAT" – BFA Bank deposit unique in its functions. Possibility to replenish and withdraw funds provides a flexible account management, and monthly capitalization of interest provides a decent level of income.
Premium certificate of deposit "SOVEREIGN" - the most profitable deposit in BFA Bank deposit line which allows to replenish the deposit without any restrictions on the amount, to withdraw funds from the account and receive monthly income to the current account.
Premium certificate of deposit with the possibility of early withdrawal, "THALER" involves the retention of the interest rate for early withdrawal of the entire amount of the deposit and possibility to replenish.
Indexed certificate of Deposit "Unite" - Gold for growth - a financial instrument that gives you the opportunity to earn additional income through participation in the growth of the gold price. On the one hand, you are guaranteed the preservation of the principal amount of the deposit, on the other hand - in addition to a fixed rate you can earn extra revenue. More

Terms/ Certificates of Deposit
Terms/ Certificates of Deposit	Profitable certificate of deposit "PIASTRE" (from March 1, 2012)	Universal certificate of deposit "DUCAT" (from March 1, 2012)	Premium certificate of deposit "SOVEREIGN" (from March 1, 2012)	Premium certificate of deposit with the possibility of early withdrawal, "THALER" (from March 1, 2012)
Period, days	91-735	91-367	181-367	367
Currency	RUR, USD, EUR
Minimum amount	RUR: 10 000 USD, EUR: 400		RUR: 3,000,000 USD, EUR: 100,000
Interest rate	for 735 days: RUR: to 9.5% per annum; USD, EUR: to 5% per annum	for 367 days: RUR: to 8.0 % per annum; USD, EUR: to 3.8 % per annum	for 367 days: RUR: to 10.0 % per annum; USD, EUR: to 5.0% per annum	for 367 days: RUR: to 8% per annum; USD, EUR: to 4% per annum
Interest payment	On deposit maturity	Monthly payment or monthly capitalization at the client’s choice	Monthly payment	On deposit maturity
Replenishment/partial withdrawal	yes/no	yes/yes	yes/yes	yes/yes
Terms of partial withdrawal	Does not provide withdrawals	Upon condition of retaining minimum balance. The size of minimum balance is set depending on the initial payment and is as follows: RUR: 10,000/100,000/1,000,000 USD, EUR: 400/4,000/40,000	The balance of the deposit after a partial withdrawal may not be less than the minimum amount of deposit (3 million RUR/USD, EUR 100 thousand)	Withdrawal is not limited
Minimum additional contribution	RUR: 5 000 USD, EUR: 200		RUR: 300,000 USD, EUR: 10,000
Time of termination of additional contributions receiving	No later than 60 days before deposit maturity
Interest payment in case of early termination	Prior to expiration of 182 (inclusive) days of the main period - interest accrued at the rate of deposit "On Demand", after the expiration of 182 days of main period - at the rate reduced to 2% of the base rate.	At the rate of "On Demand". The difference between the interest paid to the depositor and the interest accrued during the early deposit withdrawal shall be returned to the Bank on the day of termination of the deposit.	At the rate of "On Demand". The difference between the interest paid to the depositor and the interest accrued during the early deposit withdrawal shall be returned to the Bank on the day of termination of the deposit.	The interest rate is retained, and the amount of interest calculated from the actual amount on the deposit account.
Automatic renewal	Available. The amount of interest paid does not increase the amount of the deposit	Available. The amount of interest paid increases the amount of the deposit(in case of monthly interest capitalization)	Available. The amount of interest paid does not increase the amount of the deposit	Available. The amount of interest paid does not increase the amount of the deposit

Profitable certificate of deposit "PIASTRE"

The minimum deposit amount is 10 thousand rubles/400 US dollars/ euros;
Interest payment on the Deposit maturity;
Receiving of additional contributions from the five thousands rubles/200 US dollars / Euro;
Receiving of additional contributions ceases in 60 days prior to the Deposit maturity;
Partial withdrawals are not provided;
In case of early termination of the Deposit upon expiration of 182 days (inclusive) of the basic period - interest is accrued at the rate of deposit "On Demand", after 182 days of the main period - at the rate reduced to 2% of the base rate;
Automatic deposit renewal is subject to the conditions existing at the Bank for this type of deposit on the date of renewal. The amount of interest paid does not increase the amount of the Deposit;
At the Deposit maturity or in case of early termination the Deposit amount and accrued interest shall be transferred to the current account.

Deposit currency
	Minimum deposit amount	Annual interest rate depending on deposit period (%)
	Minimum deposit amount	91 days	181 days	367 days	735 days
Russian ruble	10 000	6,5	7,5	8,25	8,5
	100 000	6,75	7,75	8,5	8,75
	1 000 000	7,0	8,0	8,75	9,0
USD/Euro	400	2,6	3,8	4,4	4,6
	4 000	2,8	4,0	4,6	4,8
	40 000	3,0	4,2	4,8	5,0

Universal certificate of deposit "DUCAT"

The minimum deposit amount is 10 thousand rubles / 400 USD / EURO;
When opening the Deposit, the size of the minimum balance is set according to above conditions;
At the choice of the Depositor monthly interest payments on current account or monthly capitalization are available;
Additional contributions are from 5 thousand rubles / 200 USD / EURO;
Receiving of additional contributions ceases for 60 days prior to the Deposit maturity;
It is allowed to withdraw a part of the Deposit not lower than the minimum balance;
In the case of early withdrawal of the part of the Deposit by the Depositor because of which the Deposit balance will be lower than the minimum balance, the deposit agreement is deemed terminated at the initiative of the Depositor;
In case of early termination of the Deposit interest for the period of the deposit shall be paid at the rate of "on demand". The difference between the interest paid to the Depositor and the interest accrued during the early withdrawal of the Deposit shall be returned to the Bank on the day of the Deposit termination;
Automatic deposit renewal is subject to the conditions existing at the Bank for this type of deposit on the date of renewal (in case of monthly interest capitalization);
For pensioners (in case of pensioner certificate submission) the Deposit rate increases by 0.4 percentage points for deposits in Russian rubles, by 0.2 percentage points for deposits in foreign currency;
At the Deposit maturity or in case of early termination the Deposit amount and accrued interest shall be transferred to the current account.

Deposit currency
	Minimum deposit amount	Annual interest rate depending on deposit period (%)
	Minimum deposit amount	91 days	181 days	367 days
Russian ruble	10 000	3,75	5,25	6,50
	100 000	4,25	5,75	7,0
	1 000 000	4, 75	6,25	7,5
USD/Euro	400	1,8	2,8	3,4
	4 000	2,0	3,0	3,6
	40 000	2,2	3,2	3,8
Minimum balance	Initial contribution amount		Minimum balance amount
Russian ruble	10 000-99 999,99		10 000
	100 000-999 999,99		100 000
	1 000 000 and greater		1 000 000
USD/Euro	400-3 999,99		400
	4 000-39 999,99		4 000
	40 000 and greater		40 000

Premium certificate of deposit "SOVEREIGN"
- Minimum deposit amount is 3 million rubles /100 thousand USD/EURO;
- Monthly interest payment to the current account;
- Receiving of additional contributions from 300 thousands rubles/10 thousand US dollars / Euro;
- Receiving of additional contributions ceases for 60 days prior to the Deposit maturity;
- It is allowed to withdraw a part of the deposit not lower than the minimum amount of the Deposit, effective for this type of Deposit at the time of contract signing;
- In case of early termination of the Deposit interest for the period of the deposit shall be paid at the rate of "on demand". The difference between the interest paid to the Depositor and the interest accrued during the early withdrawal of the Deposit shall be returned to the Bank on the day of the Deposit termination;
- Automatic deposit renewal is subject to the conditions existing at the Bank for this type of deposit on the date of renewal. The amount of interest paid does not increase the amount of the Deposit;
- At the Deposit maturity or in case of early termination the Deposit amount and accrued interest shall be transferred to the current account.
Deposit currency

Minimum deposit amount
Annual interest rate depending on deposit period (%)

181 days
367 days

Russian ruble
3 000 000 8,5 9,5

USD/Euro
100 000 4,5 5,0

Deposit currency
Minimum deposit amount	Annual interest rate depending on deposit period (%)
181 days	367 days
Russian ruble	3 000 000	8,5	9,5
USD/Euro	100 000	4,5	5,0

Certificate of deposit with the possibility of early withdrawal, "THALER"
- The minimum deposit amount is 3,000,000 rubles /100 thousand US dollars / Euro;
- Payment of interest at the Deposit maturity;
- Receiving of additional contributions from 300 thousands rubles/10 thousand US dollars / Euro;
- Receiving of additional contributions ceases for 60 days prior to the Deposit maturity;
- It is allowed to withdraw a part of the deposit with retaining of the interest rate (the sum of minimum balance is not limited);
- In case of early termination of the Deposit the interest rate is retained, the amount of interest is calculated based on the actual amount on the Deposit account;
- Automatic deposit renewal is subject to the conditions existing at the Bank for this type of deposit on the date of renewal. The amount of interest paid does not increase the amount of the Deposit;
- At the Deposit maturity or in case of early termination the Deposit amount and accrued interest shall be transferred to the current account.
Deposit currency

Minimum deposit amount
Minimum additional contribution
Interest rate
(deposit amount 367 days) (%)

Russian ruble
3 000 000
300 000
8,00

USD/Euro
100 000
10 000
4,00

Deposit currency
Minimum deposit amount	Minimum additional contribution	Interest rate (deposit amount 367 days) (%)
Russian ruble	3 000 000	300 000	8,00
USD/Euro	100 000	10 000	4,00

Certificate of deposit "On demand"

This is a saving deposit, additional contributions and partial withdrawals are available, interest is paid annually.
- Interest is paid annually to the deposit account;
- Additional contributions are allowed;
- It is allowed to withdraw a part of the deposit not lower than the minimum amount of the Deposit, effective for this type of Deposit at the time of contract signing.
Deposit currency

Minimum deposit amount
Annual interest rate
(%)

Russian ruble
100 0,5

USD
10 0,2

EURO 10 0,2

Deposit currency
Deposit currency	Minimum deposit amount	Annual interest rate (%)
Russian ruble	100	0,5
USD	10	0,2
EURO	10	0,2