There are generally no fees or charges for our customers to open, manage and close an Advanzia account. All the investments made with Advanzia Bank S.A. are available on demand without notice and earn monthly interest at attractive interest terms.

Fees/Interest rate	Fees
Account opening and set-up fee	0,--
Account closing fee	0,--
Account management fee and account statements	0,--
Postage and shipping	0,--
Transaction fee within the EU	0,--
Credit interest for balances of less than €5,000	0%
Effective credit interest p.a. (from €1)	2,5% *
Minimum investment to open account	5.000,--

* The special effective interest rate of 2,50% p.a. applies to the period from 29/04/2013 to 26/07/2013. This is awarded to new customers who open an Advanzia account during this period and to all customers who have not made any deposits by 28/04/2013. Existing customers and all other customers after the campaign period will earn the standard effective interest rate, which is currently 1,52% p.a..

In other respects our General Terms and Conditions of Business shall apply.