Changes to the Bank's document ‘General Terms and Conditions’

Dear Customer!

Please be informed that on 28 June 2025 changes to the Bank's document ‘General Terms and Conditions’ will come into force.

General Terms and Conditions have been revised to be clearer, easier to understand and in line with the Accessibility of Goods and Services Act. The Accessibility of Goods and Services Act sets out requirements that promote accessibility of products and services for all members of the public. The law will enter into force in Latvia on 28 June 2025 and is part of a wider European Union initiative to create a more inclusive environment.

The main changes to the General Terms and Conditions of Business:

• more direct and clearer communication style - using "You" and "We";
• improved text structure and visual design for better readability;
• simplified terminology and text readability.

 Changes have also been made to the content of the rules, such as shorter time limits for amending and terminating contracts.

If you object to changes to the "General Terms and Conditions", you may disagree and terminate your service agreements with us free of charge by fulfilling all obligations under those agreements by 27 June 2025.

Document is available on our website  https://www.ribbank.com/en/documents

If you have any questions, please contact your account manager or our Customer Service Centre at +371 67 359000.

Sincerely,

AS “Reģionālā investīciju banka”