Basic information about the protection of deposits

Deposits in BPER Bank Luxembourg s.a are protected by:

The Fonds de Garantie des Dépôts Luxembourg
(FGDL). (1)

Limit of protection:

EUR 100 000 per depositor per credit institution (2)

If you have more deposits at BPER Bank Luxembourg s.a. :

All  your   deposits   at BPER Bank Luxembourg s.a. are
‘aggregated’  and  the total is subject  to the limit of EUR 100 000 (2)

If you have a joint account with other person(s):

The limit of EUR 100 000 applies to each depositor separately (3)

Reimbursement period in case of BBPER Bank Luxembourg s.a.’s failure:

7 working days (4)

Currency of reimbursement:

euro

Contact:

FGDL
283, route d’Arlon
L-1150 Luxembourg
Postal address:
L-2860 Luxembourg
Telephone: + 352.26.25.1.-1
Fax: +352.26.25.1-2601

More information:

http://www.fgdl.lu.

ADDITIONAL INFORMATION:

Other important information:
In general, all retail depositors and investors are covered by the Fonds de Garantie des Dépôts
Luxembourg.
Exceptions for certain deposits are stated on the website of the FGDL dedicated to information of the depositors and investors. BBPER Bank Luxembourg s.a. will also inform you upon request if some products are covered or not. If these deposits are covered, BPER Bank Luxembourg s.a. will also confirm it to you in your accounts statements.

FOOTNOTES:

(1)  Scheme responsible for the protection of your deposits: Your deposit is covered by the Fonds de Garantie des Dépôts Luxembourg. If insolvency of your credit institution should occur, your deposits would be repaid up to EUR 100 000.

(2)  General limit of protection:
If a deposit is unavailable because BPER Bank Luxembourg s.a. is unable to meet its financial obligations, depositors are repaid by the FGDL. This repayment is covered at maximum EUR 100 000 per credit institution. This means that all deposits at BPER Bank Luxembourg s.a. are added up in order to determine the coverage level. If, for instance a depositor holds a savings account with EUR 90 000 and a current account with EUR 20 000, he or she will only be repaid up to EUR 100 000.

In the cases provided by Article 171, paragraph 2 of the Law 18 December 2015 relating to the default of the credit institutions and of some investment entreprises, your deposits will be protected for an additional amount which will not exceed EUR 2. 500 000.

More information can be obtained under  http://www.fgd.lu

(3)  Limit of protection for joint accounts:
In case of joint accounts, the limit of EUR 100 000 applies to each depositor.
However, deposits in an account to which two or more persons are entitled as members of a business partnership, association or grouping of a similar nature, without legal personality, are aggregated and treated as if made by a single depositor for the purpose of calculating the limit of EUR 100 000.

(4)  Reimbursement:
The responsible Deposit Guarantee Scheme is the FGDL, at L-2860 Luxembourg, info@fgdl.lu, Tél.: 00352 26 25 1-1, www.fgdl.lu.
It will repay your deposits (up to EUR 100 000) within 7 (seven) working days.

If you have not been repaid within these deadlines, you should contact the FGDL since the time to claim reimbursement may be barred after a certain time limit.

Further information can be obtained under http://fgdl.lu.