To improve the overview and clarity of the deposit contract extension regulations for clients, the general terms and conditions of deposit contracts concluded between the bank and a client shall be rephrased as follows:

During contract conclusion the client has the right to instruct the bank to automatically extend the contract by the same period as the initial period and with the interest rate stipulated in the main terms and conditions of the contract. The extension period is calculated on the basis of the extension initial date that is the transfer date of the contractual deposit sum and the extension period comprises full years for contracts with annual interest payments and full months in all other instances.

For information about this change in the general terms and conditions please visit the bank's website at www.big.ee or any bank branch in Estonia. From 16.03.2007 the change will be applicable to the clients who concluded deposits contracts with the bank before 15.02.2007.

If the client does not agree with this change in the general terms and conditions, the client has the right to unilaterally terminate the related contract, notifying the bank accordingly in an application that should be submitted by no later than 15.03.2007. If the client fails to terminate the contract by this date, it shall be deemed that the client accepts the change in the general terms and conditions of deposit contracts.