General Deposit Agreement

The purpose of the deposit guarantee is not: deposits deposited at the time of the unavailability of deposits by the Estonian or foreign state or by the following Estonian or foreign persons are not guaranteed or compensated: 1) deposits of local authorities; 2) deposits from another credit institution; 3) insurance or reinsurance company deposits; 4. deposits from investment companies or investment funds; 5. Investment firm deposits; 6. Deposits of the electronic money establishment; 7. Deposits from payment institutions; 8. deposits from creditors or credit intermediaries; 9. Deposits of another financial institution not mentioned in the above-mentioned clauses 4 to 8, including a holding financial company, a joint holding finance company and an asset management company, in accordance with Article 4, paragraph 1, paragraph 26, of Regulation (EU) No. 200/2013. Regulation (EC) 575/2013 of the European Parliament and the Council on Prudential Requirements for Credit Institutions and Investment Companies and Regulation (EU) No. 648/2012 (JO 27.06.2013, p. 1-337), excluding insurance holding companies and joint insurance companies within the meaning of the Republic of Estonia`s Insurance Activity Act.

Payment limits: 1. Insurance allowances are not paid for deposits, funds, money, securities and debts that are not subject to the deposit guarantee (as noted in this form above). 2. Deposits recovered on the basis of a judgment in connection with money laundering or terrorist financing proceedings are not guaranteed. If the transfer of the bond was limited by the prejudice of the Estonian rapid courier service or if the deposit was seized in the context of a criminal proceeding for money laundering or terrorist financing, the compensation of the surety is suspended until the judgment is set aside or the court decision has come into force. Delay in payment of insurance benefits: in cases provided for by the Law of the Republic of Estonia on the Guarantee Fund (for more information, consult www.tf.ee), the payment of insurance compensation for deposits may be deferred, for example in case of insufficient information on the proof of the right to insurance compensation for the surety or, in the event of an ongoing legal dispute, on the surety or if the depositor.B`s right to transfer the deposit is limited.