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• Deposit type: non-redeemable fixed-term deposit.
• Deposit currency: Euro (EUR).
• Minimum deposit amount: EUR 100; maximum deposit amount: unlimited.
• Fixed annual interest rate: 3%.
• Deposit agreement term: 6 months or 12 months.
• During the special offer period, there is no limit on the total amount of separate deposits made.
• Payment of interest on the deposit: all accrued interest is paid on the maturity date of the deposit.
• Early termination is available only to private individuals under the conditions provided in the List of Exceptional Circumstances for Non-Redeemable Fixed-Term Deposits and upon submission of supporting documents. See the List of Exceptional Circumstances here. For business clients, early termination is not available, and the List of Exceptional Circumstances does not apply.
• When signing the deposit agreement, automatic renewal option is not available. Renewal conditions are described in the PLUS 3 Special Offer Terms and Conditions.
• Only funds newly deposited in the bank during the special offer period are eligible for the offer. If the funds have been deposited into an account held in your name at Artea Bank before the start of the special offer, or deposited during the offer period but transferred from another Artea Bank account held by any person, they will not be considered newly deposited funds.
• Newly deposited funds are funds deposited into a current or savings account held in the participant’s name at the bank during the special offer period by transfer from another credit institution or deposited in cash, and which were not present in any of the participant’s accounts at the bank before the start of the special offer period. At the time of signing the deposit agreement, the amount of newly deposited funds must exceed the total amount withdrawn during the special offer period (payments made by bank card for goods or services are not considered withdrawals).

Example 1: Between 1 October 2025 and the day of signing the deposit agreement, the client deposited (by transfer or in cash) EUR 700 to their Artea Bank account and withdrew EUR 500 from their account (the transactions were carried out on different days). The total amount of newly deposited funds will therefore be EUR 200.

Example 2: An existing Artea Bank client has EUR 10,000 in their bank account on 30 September 2025. The PLUS 3 non-redeemable fixed-term deposit offer begins on 1 October 2025. The client will not be able to benefit from the PLUS 3 deposit offer for the EUR 10,000 in their Artea Bank account, as the condition of newly deposited funds will not be fulfilled. However, the client can still place other types deposits available before the start of PLUS 3 special offer using the funds available in their Artea Bank account, just not PLUS 3.

1. The organiser of the PLUS 3 special offer (hereinafter referred to as the Special Offer) is Artea bankas AB (hereinafter referred to as the Bank), legal entity registration number: 112025254, registered office address: Tilžės g. 149, Šiauliai.

2. Special offer period: from 01/10/2025 to 28/11/2025 (inclusive).

3. Deposit means a non-redeemable fixed-term deposit offered to the clients during the PLUS 3 Special Offer period under the conditions set out in these Terms and Conditions.

4. Participant of the Special Offer means a natural or legal person who enters into a Deposit Agreement in accordance with the conditions set out in these Terms and Conditions.

5. Newly Deposited Funds mean the funds deposited into a current or savings account held in the participant’s name at the Bank during the Special Offer period by transfer from another credit institution or deposited in cash, and which were not present in any of the participant’s accounts at the Bank before the start of the Special Offer period. At the time of signing the Deposit Agreement, the amount of Newly Deposited Funds must exceed the total amount withdrawn during the special offer period (payments made by bank card for goods or services are not considered withdrawals).

6. PLUS 3 Deposit Terms and Conditions:

6.1. Annual interest rate of 3% applies under the Deposit Agreement entered into during the Special Offer Period.

6.2. The Bank’s interest rate bonuses advertised on the Bank’s website https://www.artea.lt/en/private/saving-investment/deposits/deposit-interest-rates do not apply to Deposits made under this Special Offer.

6.3. Deposit term: 6 months or 12 months.

6.4. Minimum deposit amount: EUR 100; maximum deposit amount: unlimited.

6.5. A Deposit may only be placed using Newly Deposited Funds as defined in Section 5 of these Terms and Conditions. If the funds have been deposited into an account held at Artea Bank in the name of the person who wishes to become a participant of the Special Offer before the start of the Special Offer period, or deposited during the Special Offer period but transferred from another Artea Bank account held by any person, they will not be considered Newly Deposited Funds.

6.6. When signing the Deposit Agreement, automatic renewal option is not available. However, clients can apply for renewal of Deposit for the same term and the same amount via the Internet Bank or at the Bank’s branches no earlier than 60 days and no later than 14 days before the Deposit maturity date. The Deposit is thus renewed each time before it matures. Interest and terms applicable upon renewal will follow the Bank’s current non-redeemable fixed-term deposit conditions available on https://www.artea.lt/en/private/saving-investment/deposits/irrevocable-term-deposit. Payment of interest on the Deposit: all accrued interest is paid on the maturity date of the Deposit.

6.7. Early termination is available only to private individuals under the conditions provided in the List of Exceptional Circumstances for Non-Redeemable Fixed-Term Deposits and upon submission of supporting documents. See the List of Exceptional Circumstances here. For business clients, early termination is not available, and the List of Exceptional Circumstances does not apply.

6.8. The Deposit Agreement can be concluded at the Bank’s branch and via the Internet Bank.

7. The Bank participates in the Lithuanian deposit insurance scheme. Deposits up to EUR 100,000 per depositor across all accounts held with a single credit institution are insured by the Public Institution 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 summary information on how the Bank processes the data of retail depositors and specifies the rights of data subjects regarding the processing of personal data. This Policy is available on https://www.artea.lt/en/about/important-documents/privacy-policy.

9. The Special Offer Terms and Conditions are published on the Bank’s website: www.artea.lt.