PLUS 3

• Deposit type – non-redeemable fixed-term deposit.
• Deposit currency – Euro (EUR).
• Minimum deposit amount – €100; maximum – unlimited.
• Fixed annual interest rate – 3%.
• Deposit term – 6 or 12 months.
• The total amount of separate deposits placed during the special offer period is not limited.
• Interest payout – all accrued interest is paid on the final day of the deposit term.
• If the deposit agreement is terminated before the end of the term, no interest will be paid. Early termination is only possible under conditions listed in the special circumstances for non-redeemable fixed-term deposits and must be supported by relevant documentation. You can find the list of special circumstances here.
• When entering into a deposit agreement, automatic renewal of the deposit term is not available. Renewal conditions are specified in the rules of the special offer for the “PLUS 3” deposit.
• The deposit can only be made using newly transferred funds during the special offer period. If the funds were transferred to a personal account at Artea bank before the start of the offer, or during the offer period from another account at Artea bank held by any person, they will not be considered newly transferred funds.
• Newly transferred funds are defined as funds transferred via bank transfer or deposited in cash into a current or savings account opened in the participant’s name at Artea bank during the special offer period, and which were not present in any account held by the participant at Artea bank before the start of the offer. At the time of entering into the deposit agreement, the amount of newly transferred funds must exceed the amount of money withdrawn during the offer period (excluding card payments for goods or services).

Example 1: Between August 12 and the day, the deposit is made, the client transfers or deposits €700 in cash into their Artea bank account and withdraws €500 (on different days). The amount considered as newly transferred funds will be €200.

Example 2: An existing Artea bank client has €10,000 in their account on August 11, 2025. The special offer for the non-redeemable fixed-term deposit “PLUS 3” begins on August 12, 2025. The client cannot use the €10,000 already in their account to take advantage of the “PLUS 3” offer, as it does not meet the newly transferred funds requirement. However, the client can use these funds to open other types of deposits, just not the “PLUS 3” deposit.

1. The organizer of the “PLUS 3” special offer (hereinafter – the Offer) is AB Artea bank (hereinafter – the Bank), legal entity code: 112025254, registered address: Tilžės g. 149, Šiauliai.

2. Offer period: from August 12, 2025 to September 30, 2025 (inclusive).

3. The deposit – a non-redeemable fixed-term deposit offered by the Bank during the Offer period under the conditions specified in these Rules.

4. Offer participant – a natural or legal person who enters into a deposit agreement that meets the conditions outlined in these Rules.

5. Newly transferred funds – funds transferred via bank transfer or deposited in cash into a current or savings account opened in the participant’s name at the Bank during the Offer period, which were not present in any account held by the participant at the Bank before the start of the Offer. At the time of entering into the deposit agreement, the amount of newly transferred funds must exceed the amount of money withdrawn during the Offer period (excluding card payments for goods or services).

6. Terms of the “PLUS 3” deposit:

6.1. A 3% annual interest rate applies to Deposit Agreements concluded during the Special Offer period.
6.2. Interest bonuses published at Artea bank’s deposit rates page https://www.artea.lt/en/private/saving-investment/deposits/deposit-interest-rates do not apply to deposits made under this Offer.
6.3. Deposit term – 6 or 12 months.
6.4. Minimum deposit amount – €100, maximum – unlimited.
6.5. Deposits must be made only from newly transferred funds as defined in point 5 of the Rules. Funds transferred before the Offer period or from another account at the Bank (even if held by another person) do not qualify as newly transferred funds.
6.6. Automatic renewal of the deposit term is not available when entering into the deposit agreement. However, renewal is possible by contacting the Bank via internet bank or at a branch no earlier than 60 days and no later than 14 days before the deposit term ends. The deposit can be renewed for the same term and amount. From the date of agreement renewal, the Bank's applicable fixed-term Deposit PLUS interest rates and terms and conditions, as published at https://www.artea.lt/en/private/saving-investment/deposits/term-deposit-plus, shall apply.
6.7. Interest payout – all accrued interest is paid on the final day of the deposit term.
6.8. If the deposit agreement is terminated before the end of the term, no interest will be paid. Early termination is only possible under the conditions listed in the special circumstances for the fixed-term Deposit PLUS and must be supported by relevant documentation. You can find the list of special circumstances here.
6.9. The deposit agreement can be concluded at a Bank branch or via Internet Banking.

7. Artea bank is a participant in the Lithuanian deposit insurance system. Deposits up to €100,000 per depositor across all accounts held at the same credit institution are insured by the state enterprise “Deposit and Investment Insurance”. More information: https://www.artea.lt/en/private/saving-investment/deposits/deposit-insurance.

8. The Privacy Policy of Artea bank group companies in Lithuania provides summarized information on how the Bank processes personal data of individual depositors and outlines the rights of data subjects regarding personal data processing. You can read the policy here: https://www.artea.lt/en/about/important-documents/privacy-policy.

9. The Bank reserves the right to unilaterally amend these Special Offer Rules, with prior notice to clients.