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Pantone 248; C40 M100 Y0 K10;

R137 G1 B114; #890172
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Elizabetes iela 23, Riga, LV-1010, Latvia. Tel.: +371 777 5222; Fax: +371 777 5200; Client line: +371 777 5555
S.W.I.F.T.: AIZK LV 22; Reuter Dealing: AIZX; Reuter Source: AIZB; Telex: 161 1171 AIZKR.BANK/DUNSOFT
24
http://www.ab.lv; e-mail: bank@ab.lv
Client paper
From November 1, 2001 Aizkraukles banka offers to its
commission for crediting funds to the card account;
Customers an opportunity to receive debit cards Cirrus
minimal amount of cash withdrawal in ATM; opportunity
emitted by JSC Aizkraukles banka. International debit
to open a card account in two currencies.opportunity to
card Cirrus is meant only for cash withdrawal in
open a card account in two currencies.
Aizkraukles banka and other banks' ATMs with Cirrus

symbol, in Latvia and abroad. Annual payment for debit
card Cirrus is 30 LVL or 50 USD, annual payment for the
The main currency of Cirrus card account is Latvian lats or
supplementary card is the same. Debit card Cirrus cannot
American dollars, the supplementary currencies could be:
be used for purchase and service paying. Differences of
USD, LVL, EUR, GBP, RUB, BYR, UAH, LTL, EEK.
this card and other settlement cards are as follows: no
holder's name and surname on the card; no commission for
cash withdrawal; commission for crediting funds to the
card account; minimal amount of cash withdrawal in ATM;
opportunity to open a card account in two currencies.
Annual payment for debit card Cirrus is 30 LVL or 50 USD,
Minimal amount of cash withdrawal in ATM is 300 USD

or this amount equivalent in other currency.
annual payment for the supplementary card is the same.
Commission for crediting funds to the card account
amounts 1% from the sum. Minimal amount of cash
withdrawal in ATM is 300 USD or this amount equivalent in
other currency.

15
30
cash withdrawal;
11
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Client paper
From November 1, 2001 Aizkraukles banka offers
minimal amount of cash withdrawal in ATM;
to its Customers an opportunity to receive debit cards
opportunity to open a card account in two
Cirrus emitted by JSC Aizkraukles banka.
currencies.
International debit card Cirrus is meant only for cash

withdrawal in Aizkraukles banka and other banks'
ATMs with Cirrus symbol, in Latvia and abroad.
The main currency of Cirrus card account is
Annual payment for debit card Cirrus is 30 LVL or 50
Latvian lats or American dollars, the supplementary
USD, annual payment for the supplementary card is
currencies could be: USD, LVL, EUR, GBP, RUB, BYR,
the same. Debit card Cirrus cannot be used for
UAH, LTL, EEK.
purchase and service paying. Differences of this card
From November 1, 2001 Aizkraukles banka
and other settlement cards are as follows: no holder's
offers to its Customers an opportunity to receive
name and surname on the card; no commission for

cash withdrawal; commission for crediting funds to
the card account; minimal amount of cash
withdrawal in ATM; opportunity to open a card
account in two currencies.
Annual payment for debit card Cirrus is 30 LVL or
Minimal amount of cash withdrawal in ATM is 300

USD or this amount equivalent in other currency.
50 USD, annual payment for the supplementary card

is the same. Commission for crediting funds to the
card account amounts 1% from the sum. Minimal
amount of cash withdrawal in ATM is 300 USD or this
amount equivalent in other currency.
The main currency of Cirrus card account is Latvian
lats or American dollars, the supplementary
UAH, LTL, EEK.
debit cards Cirrus emitted by JSC Aizkraukles

banka. International debit card Cirrus is meant only
for cash withdrawal in Aizkraukles banka and
other banks' ATMs with Cirrus symbol, in Latvia and
abroad. Annual payment for debit card Cirrus is 30
LVL or 50 USD, annual payment for the
supplementary card is the same. Debit card Cirrus
cannot be used for purchase and service paying.
Differences of this card and other settlement cards
are as follows: no holder's name and surname on
the card; no commission for cash withdrawal;
minimal amount of cash withdrawal in ATM;
currencies.
The main currency of Cirrus card account is
Latvian lats or American dollars, the supplementary
UAH, LTL, EEK.
From November 1, 2001 Aizkraukles banka
offers to its Customers an opportunity to receive
debit cards Cirrus emitted by JSC Aizkraukles
banka. International debit card Cirrus is meant only
for cash withdrawal in Aizkraukles banka and
other banks' ATMs with Cirrus symbol, in Latvia and
abroad. Annual payment for debit card Cirrus is 30
LVL or 50 USD, annual payment for the
supplementary card is the same.
15
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59

From November 1, 2001 Aizkraukles banka offers to its Customers an
opportunity to receive debit cards Cirrus emitted by JSC Aizkraukles banka.
International debit card Cirrus is meant only for cash withdrawal in Aizkraukles
banka and other banks' ATMs with Cirrus symbol, in Latvia and abroad. Annual
payment for debit card Cirrus is 30 LVL or 50 USD, annual payment for the
supplementary card is the same. Debit card Cirrus cannot be used for purchase
and service paying. Differences of this card and other settlement cards are as
follows: no holder's name and surname on the card; no commission for cash
withdrawal; commission for crediting funds to the card account; minimal
amount of cash withdrawal in ATM; opportunity to open a card account in two
currencies.
Annual payment for debit card Cirrus is 30 LVL or 50 USD, annual payment
for the supplementary card is the same. Commission for crediting funds to the
card account amounts 1% from the sum. Minimal amount of cash withdrawal in
ATM is 300 USD or this amount equivalent in other currency.
The main currency of Cirrus card account is Latvian lats or American dollars,
210219 (4)

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the supplementary currencies could be: USD, LVL, EUR, GBP, RUB, BYR, UAH,
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withdrawal;
15
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Minimal amount of cash withdrawal in ATM is 300 USD

or this amount equivalent in other currency.
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other currency.

cash withdrawal;
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3.6.

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53
112

From November 1, 2001 Aizkra-
ukles banka offers to its Custo-
mers an opportunity to receive
debit cards Cirrus emitted by JSC
Aizkraukles banka.
withdrawal; commission for crediting funds to the card account; minimal amount
of cash withdrawal in ATM; opportunity to open a card account in two
currencies.
Annual payment for debit card Cirrus is 30 LVL or 50 USD, annual payment for
the supplementary card is the same. Commission for crediting funds to the card
account amounts 1% from the sum. Minimal amount of cash withdrawal in ATM
is 300 USD or this amount equivalent in other currency.
The main currency of Cirrus card account is Latvian lats or American dollars, the
210219 (4)

=6
,
: 6 , FreeSet Plain
: 16 , FreeSet Bold
: 9 ,
FreeSet Plain
supplementary currencies could be: USD, LVL, EUR, GBP, RUB, BYR, UAH, LTL,
EEK.
withdrawal;
17
3.7.

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53
53
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From November 1, 2001 Aizkraukles
commission for crediting funds to the
banka offers to its Customers an
card account; minimal amount of cash
opportunity to receive debit cards
withdrawal in ATM; opportunity to
Cirrus emitted by JSC Aizkraukles
open a card account in two
banka. International debit card Cirrus
currencies.opportunity to open a card
is meant only for cash withdrawal in
Aizkraukles banka and other banks'
ATMs with Cirrus symbol, in Latvia
in ATM is 300 USD or this amount
and abroad. Annual payment for
equivalent in other currency.
debit card Cirrus is 30 LVL or 50 USD,
annual payment for the
account is Latvian lats or American
supplementary card is the same. Debit
dollars, the supplementary currencies
card Cirrus cannot be used for
could be: USD, LVL, EUR, GBP, RUB,
purchase and service paying.
BYR, UAH, LTL, EEK.
Differences of this card and other
settlement cards are as follows: no
holder's name and surname on the
card; no commission for cash
withdrawal; commission for crediting
funds to the card account; minimal
amount of cash withdrawal in ATM;
opportunity to open a card account in
two currencies.
two currencies.
Minimal amount of cash withdrawal
The main currency of Cirrus card
Annual payment for debit card
Annual payment for debit card
Cirrus is 30 LVL or 50 USD, annual
Cirrus is 30 LVL or 50 USD, annual
payment for the supplementary card
payment for the supplementary card
is the same. Commission for crediting
is the same. Commission for crediting
funds to the card account amounts
funds to the card account amounts
1% from the sum. Minimal amount of
1% from the sum. Minimal amount of
cash withdrawal in ATM is 300 USD or
cash withdrawal in ATM is 300 USD or
this amount equivalent in other
this amount equivalent in other
currency.
currency.
BYR, UAH, LTL, EEK.
BYR, UAH, LTL, EEK.
two currencies.
From November 1, 2001
From November 1, 2001
Aizkraukles banka offers to its
Aizkraukles banka offers to its
Customers an opportunity to receive
Customers an opportunity to receive
Aizkraukles banka. International
Aizkraukles banka. International
BYR, UAH, LTL, EEK.
debit card Cirrus is meant only for
debit card Cirrus is meant only for
cash withdrawal in Aizkraukles
cash withdrawal in Aizkraukles
banka and other banks' ATMs with
banka and other banks' ATMs with
Cirrus symbol, in Latvia and abroad.
Cirrus symbol, in Latvia and abroad.
18
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23

holder's name and surname on the card; no commission
for cash withdrawal; commission for crediting funds to
the card account; minimal amount of cash withdrawal in
ATM; opportunity to open a card account in two
currencies.
USD, annual payment for the supplementary card is the
same. Commission for crediting funds to the card account
withdrawal in ATM is 300 USD or this amount equivalent
in other currency.
The main currency of Cirrus card account is Latvian lats
or American dollars, the supplementary currencies could
be: USD, LVL, EUR, GBP, RUB, BYR, UAH, LTL, EEK.
From November 1, 2001 Aizkraukles banka offers to
its Customers an opportunity to receive debit cards Cirrus
12

Elizabetes iela 23, Riga, LV-1010, Latvia. Tel.: +371 777 5222;
Fax: +371
777 5200; Client line: +371
777 5555
From
November 1, 2001 Aizkraukles banka offers to its
to its
30
Customers an opportunity to receive debit cards
6 5
S.W.I.F.T.: AIZK LV 22; Reuter Dealing: AIZX; Reuter Source: AIZB;

Customers an opportunity
Cirrus
Telex: 161 1171 AIZKR.BANK/DUNSOFT
to receive debit cards Cirrus
currencies.
currencies.
currencies.
in other currency.
in other currency.
in other currency.
30
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purchase and service paying. Differences
of this card and other settlement cards are
as follows: no holder's name and surname
on the card; no commission for cash
currencies.no commission for cash
withdrawa no commission cawithdrawa

opportunity to receive debit cards Cirrus
emitted by JSC Aizkraukles banka.
International debit card Cirrus is meant
only for cash withdrawal in Aizkraukles
banka and other banks' ATMs with Cirrus
symbol, in Latvia and abroad. Annual
payment for debit card Cirrus is 30 LVL or
50 USD, annual payment for the
supplementary card is the same.
21
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S.W.I.F.T.: AIZK LV 22.
Tel.: +371 777 5222, fax: +371 777 5200.
Reuter Dealing: AIZX. Reuter Source: AIZB.
http://www.ab.lv, e-mail: bank@ab.lv
Telex: 161 1171 AIZKR.BANK/DUNSOFT.
40
Elizabetes iela 23, Riga, LV-1010, Latvia.
Mr. Smith.
Sales Manager
Advanced Tecnologies
3 build, 2 Gazetny pereulok,
50
Moscow, Russia,103009
Tel.: +3 (093) 984 123 548
Dear Mr. Smith:

From November 1, 2001 Aizkraukles banka offers to its Customers an opportunity to receive
debit cards Cirrus emitted by JSC Aizkraukles banka. International debit card Cirrus is meant
only for cash withdrawal in Aizkraukles banka and other banks' ATMs with Cirrus symbol, in
Latvia and abroad. Annual payment for debit card Cirrus is 30 LVL or 50 USD, annual payment for
the supplementary card is the same. Debit card Cirrus cannot be used for purchase and service
paying. Differences of this card and other settlement cards are as follows: no holder's name and
surname on the card; no commission for cash withdrawal; commission for crediting funds to the
card account; minimal amount of cash withdrawal in ATM; opportunity to open a card account in
two currencies.
Annual payment for debit card Cirrus is 30 LVL or 50 USD, annual payment for the supplementary
card is the same. Commission for crediting funds to the card account amounts 1% from the sum.
Minimal amount of cash withdrawal in ATM is 300 USD or this amount equivalent in other
20
160
currency.
Viktorija Lakiseva
Consulting Manager
27
e-mail: lakiseva@ab.lv
35
. ,
, .
20
20
30
40
Latvia and abroad. Annual payment for debit card Cirrus is 30 LVL or 50 USD, annual payment
for the supplementary card is the same. Debit card Cirrus cannot be used for purchase and
service paying. Differences of this card and other settlement cards are as follows: no holder's
name and surname on the card; no commission for cash withdrawal; commission for crediting
funds to the card account; minimal amount of cash withdrawal in ATM; opportunity to open a
card account in two currencies.
Annual payment for debit card Cirrus is 30 LVL or 50 USD, annual payment for the
supplementary card is the same. Commission for crediting funds to the card account amounts
1% from the sum. Minimal amount of cash withdrawal in ATM is 300 USD or this amount
The main currency of Cirrus card account is Latvian lats or American dollars, the supplementary
currencies could be: USD, LVL, EUR, GBP, RUB, BYR, UAH, LTL, EEK.
27
for the supplementary card is the same.
36
5.2. , -
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FAXIMILE MEMO . .
75
75
20
50
40
20
40
To
: Advanced Tecnologies
: Mr. Smith
Cc
: Mr. Jonhson
: Mr. Paul
From : V. Lakiseva
Tel. : +371 777 5222
Fax : +371 777 5200
E-mail: lakiseva@ab.lv
Date : 7 April 2002
Dear Mr. Smith:

160
currencies.
27
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Elizabetes iela 23, Riga, LV-1010, Latvia

Tel.: + 371 777 5222; Fax: + 371 777 5200
http://www.ab.lv | mailto: bank@ab.lv
40
5.5.

.
.
. .

Tel.: + 371 777 5222; Fax: + 371 777 5200

Tel.: + 371 777 5222; Fax: + 371 777 5200

Tel.: + 371 777 5222; Fax: + 371 777 5200

Tel.: + 371 777 5222; Fax: + 371 777 5200

Tel.: + 371 777 5222; Fax: + 371 777 5200
41
95
10
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Tel.: + 371 777 5222; Fax: + 371 777 5200
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42
5.6.
AB.LV
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Viktorija Lakiseva
Consulting Manager
lakiseva@ab.lv
Tel.: +371 777 5296

Tel.: + 371 777 5222; Fax: + 371 777 5200
http://www.ab.lv
Viktorija Lakiseva
Consulting Manager
lakiseva@ab.lv
Tel.: +371 777 5296

Tel.: + 371 777 5222; Fax: + 371 777 5200
http://www.ab.lv
Viktorija Lakiseva
Consulting Manager
lakiseva@ab.lv
Tel.: +371 777 5296

Tel.: + 371 777 5222; Fax: + 371 777 5200
http://www.ab.lv
Viktorija Lakiseva
Consulting Manager
lakiseva@ab.lv
Tel.: +371 777 5296

Tel.: + 371 777 5222; Fax: + 371 777 5200
http://www.ab.lv
43
5.7.

. AB.LV. .
AB.LV.
.
Aizkraukles Banka Latvija | Elizabetes iela 23, Riga, LV-1010, Latvia

Tel.: + 371 777 5222; Fax: + 371 777 5200 | http://www.ab.lv | mailto: bank@ab.lv
44
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AB.LV.
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(, Visa
MasterCard ).
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13.1.
13.1.1.

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GillSans.
13.1.2.
10
50
10
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120
10
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25
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GillSans.
Payment card
Currency exchange
61
1.

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.

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AB.LV .

Aizkraukles Bank.

, AB.LV , .
62
2.
.
63
Cirrus


Classic
Business
Gold
70 USD
70 USD
70 USD
1.5% min. 5 USD

1.5% min. 3 LVL
1.5% min. 5 USD

1.5% min. 3 LVL
1.5% min. 5 USD

1.5% min. 3 LVL

,
EC/MC / Aizkraukles Banka
35 USD
20 LVL
35 USD
20 LVL
65 USD
40 LVL

currencies.
EEK.
withdrawal;


Minimal amount of cash withdrawal in ATM is 300 USD or

this amount equivalent in other currency.
other currency.

cash withdrawal;


From November 1, 2001 Aizkra-
ukles banka offers to its Custo-
mers an opportunity to receive
Aizkraukles banka.
currencies.
EEK.
withdrawal;

commission for crediting funds to the
card account; minimal amount of cash
withdrawal in ATM; opportunity to
open a card account in two
currencies.opportunity to open a card
two currencies.
two currencies.
Annual payment for debit card Cirrus
Annual payment for debit card Cirrus
is 30 LVL or 50 USD, annual payment
is 30 LVL or 50 USD, annual payment
for the supplementary card is the
for the supplementary card is the
same. Commission for crediting funds
same. Commission for crediting funds
to the card account amounts 1% from
to the card account amounts 1% from
the sum. Minimal amount of cash
the sum. Minimal amount of cash
withdrawal in ATM is 300 USD or this
withdrawal in ATM is 300 USD or this
two currencies.
BYR, UAH, LTL, EE
BYR, UAH, LTL, EEK.

BYR, UAH, LTL, EEK.


BYR, UAH, LTL, EEK.
Minimal amount of cash withdrawal in ATM is 300
USD or this amount equivalent in other currency.


UAH, LTL, EEK.
to its Customers an opportunity to receive debit
cards Cirrus emitted by JSC Aizkraukles banka.
50 USD, annual payment for the supplementary
card is the same. Debit card Cirrus cannot be used
for purchase and service paying. Differences of this
card and other settlement cards are as follows: no
holder's name and surname on the card; no
UAH, LTL, EEK.
commission for cash withdrawal; commission for

crediting funds to the card account; minimal

amount of cash withdrawal in ATM; opportunity to
UAH, LTL, EEK.


to its Customers an opportunity to receive debit
cards Cirrus emitted by JSC Aizkraukles banka.
50 USD, annual payment for the supplementary
card is the same.
Elizabetes iela 23, Riga, LV-1010, Latvia.
S.W.I.F.T.: AIZK LV 22.
Tel.: +371 777 5222, fax: +371 777 5200.
Reuter Dealing: AIZX. Reuter Source: AIZB.
http://www.ab.lv, e-mail: bank@ab.lv
Telex: 161 1171 AIZKR.BANK/DUNSOFT.
Mr. Smith.
Sales Manager
Advanced Tecnologies
3 build, 2 Gazetny pereulok,
Moscow, Russia,103009
Tel.: +3 (093) 984 123 548
Dear Mr. Smith:

Latvia and abroad. Annual payment for debit card Cirrus is 30 LVL or 50 USD, annual payment for
the supplementary card is the same. Debit card Cirrus cannot be used for purchase and service
paying. Differences of this card and other settlement cards are as follows: no holder's name and
surname on the card; no commission for cash withdrawal; commission for crediting funds to the
card account; minimal amount of cash withdrawal in ATM; opportunity to open a card account in
two currencies.
Annual payment for debit card Cirrus is 30 LVL or 50 USD, annual payment for the supplementary
card is the same. Commission for crediting funds to the card account amounts 1% from the sum.
Minimal amount of cash withdrawal in ATM is 300 USD or this amount equivalent in other
currency.
Viktorija Lakiseva
Consulting Manager
e-mail: lakiseva@ab.lv
To
: Mr. Smith
Cc
: Mr. Jonhson
: Mr. Paul
From : V. Lakiseva
Tel. : +371 777 5222
Fax : +371 777 5200
Date : 7 April 2002
Dear Mr. Smith:

currencies.
1/5
To
: Mr. Smith
Cc
: Mr. Jonhson
: Mr. Paul
From : V. Lakiseva
Tel. : +371 777 5222
Fax : +371 777 5200
Date : 7 April 2002
Dear Mr. Smith:

currencies.
1/5
3.
.
: FreeSet bold 18 ,
: FreeSet Plain 9 ,
: 14 .
opportunity to receive debit cards Cirrus emitted by JSC Aizkraukles
banka. International debit card Cirrus is meant only for cash withdrawal in
Aizkraukles banka and other banks' ATMs with Cirrus symbol, in Latvia
: FreeSet Bold 14 ,
and abroad. Annual payment for debit card Cirrus is 30 LVL or 50 USD,
: FreeSet bold 20 ,
: FreeSet Plain 12 ,

its Customers an opportunity to receive debit cards
Cirrus emitted by JSC Aizkraukles banka. International
debit card Cirrus is meant only for cash withdrawal in
: FreeSet Bold 16 ,
: 16 .
-.
: FreeSet bold 16 ,
: FreeSet Bold 10 ,
: FreeSet Plain 10 ,
: 14 .

Customers an opportunity to receive debit cards Cirrus emitted by
JSC Aizkraukles banka. International debit card Cirrus is meant
only for cash withdrawal in Aizkraukles banka and other banks'

ATMs with Cirrus
75

Ab LV

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AB.LV .

AIZKRAUKLES BANKA LATVIJA

Pantone 1375; C0 M40 Y80 K0;

Pantone 1805; C20 M100 Y90 K10;

Pantone 248; C40 M100 Y0 K10;

Pantone 356; C90 M20 Y100 K10;

Pantone 280; C100 M100 Y10 K0;

http://www.ab.lv; e-mail: bank@ab.lv

commission for crediting funds to the card account;

Customers an opportunity to receive debit cards Cirrus

minimal amount of cash withdrawal in ATM; opportunity

emitted by JSC Aizkraukles banka. International debit

to open a card account in two currencies.opportunity to

card Cirrus is meant only for cash withdrawal in

open a card account in two currencies.

Aizkraukles banka and other banks' ATMs with Cirrus

The main currency of Cirrus card account is Latvian lats or

supplementary card is the same. Debit card Cirrus cannot

American dollars, the supplementary currencies could be:

be used for purchase and service paying. Differences of

USD, LVL, EUR, GBP, RUB, BYR, UAH, LTL, EEK.

this card and other settlement cards are as follows: no

From November 1, 2001 Aizkraukles banka offers to its

holder's name and surname on the card; no commission for

Customers an opportunity to receive debit cards Cirrus

cash withdrawal; commission for crediting funds to the

emitted by JSC Aizkraukles banka. International debit

card account; minimal amount of cash withdrawal in ATM;

card Cirrus is meant only for cash withdrawal in

opportunity to open a card account in two currencies.

Aizkraukles banka and other banks' ATMs with Cirrus

Annual payment for debit card Cirrus is 30 LVL or 50 USD,

Minimal amount of cash withdrawal in ATM is 300 USD

symbol, in Latvia and abroad. Annual payment for debit

annual payment for the supplementary card is the same.

card Cirrus is 30 LVL or 50 USD, annual payment for the

Commission for crediting funds to the card account

supplementary card is the same. Debit card Cirrus cannot

amounts 1% from the sum. Minimal amount of cash

be used for purchase and service paying. Differences of

withdrawal in ATM is 300 USD or this amount equivalent in

this card and other settlement cards are as follows: no

holder's name and surname on the card; no commission for

The main currency of Cirrus card account is Latvian lats or

cash withdrawal; commission for crediting funds to the

American dollars, the supplementary currencies could be:

card account; minimal amount of cash withdrawal in ATM;

USD, LVL, EUR, GBP, RUB, BYR, UAH, LTL, EEK.

opportunity to open a card account in two currencies.

From November 1, 2001 Aizkraukles banka offers to its

The main currency of Cirrus card account is Latvian lats or

Customers an opportunity to receive debit cards Cirrus

American dollars, the supplementary currencies could be:

emitted by JSC Aizkraukles banka. International debit

USD, LVL, EUR, GBP, RUB, BYR, UAH, LTL, EEK.

card Cirrus is meant only for cash withdrawal in

From November 1, 2001 Aizkraukles banka offers

minimal amount of cash withdrawal in ATM;

to its Customers an opportunity to receive debit cards

opportunity to open a card account in two

Cirrus emitted by JSC Aizkraukles banka.

International debit card Cirrus is meant only for cash

The main currency of Cirrus card account is