Investment in securities is an activity one should take seriously and attend to as a professional.
In order to do that one should have deep knowledge of the market and work experience acquired for years. If you decide to handle securities on your own account, you will have to give to it practically all your time, otherwise the effectiveness of investments will be low and the risk to loose the invested funds - a high one. You can lower considerably your risks and save your time, transferring your funds into trust management of an experienced professional manager.

The Bank offers trust services to clients:

• who are not content with the income received from deposits and who wish to receive higher interest;
• who do not have enough time to keep track of situation on financial markets on their own;
• who do not have great experience to make independent investment decisions

Why work with the bank:

• your assets will be administered by experienced experts;
• possibility to create an individual investment strategy with the aid of the bank's specialists;
• possibility to take an active part in the management providing orders by telephone;
• free access to the main trading floors of the world
• our long-term expertise in the management of assets;
• a personal manager and an individual approach;
• keeping track of financial markets conditions;
• confidentiality of accomplished transactions.

The main principles of work:

• The uniqueness of investment decisions
• Openness and transparency of work
• Provision of information in a comprehensible and convenient manner
• Ensuring the best results
• Achieving the results at any time and in any conditions

AS "Latvijas Biznesa banka" trust management specialists offer the three main investment strategies of trust management to clients, who plan to invest over 50 000 $.

The "Stability" strategy - is suited for clients interested in preservation of the principal amount and receipt of income simultaneously. The aim of this strategy is to receive income - greater that on bank deposits market, however, the preservation of the principal amount is guaranteed. The selection of investment instruments for placing of assets includes state, municipal and corporate securities of the highest safety class. The recommended minimum investment term – from 1 year.
For a more detailed description of the "Stability", click here.

The "Confidence" strategy - is suited to clients who aim to receive attractive profitability and ensure medium-term capital growth. The risk level in this case is not very high since approximately 70% of the portfolio consist of highly secure securities with a fixed income rate. In order to increase profitability 30% constitute shares from the blue chips. The investment horizon of this strategy is from 1 to 3 years.
For a more detailed description of the "Confidence" , click here.

The "Perspective" strategy -is suited to clients who are ready to take on investment risks in shares. The aim of this strategy – to ensure long-term capital growth. The main investment objects are shares of issuers with a significant growth potential (approximately 70% of portfolio), and securities with fixed income (around 30%). The investments horizon of this strategy can vary from 1 to 5 years in order to achieve the maximum profitability.
For a more detailed description of the "Perspective" , click here.

Investment services fees
Fees are effective from 03 March 2009
Approved by JSC АS “Latvijas Biznesa banka”
Board on 30 January 2009 , minutes # 1-14/7

Bonds
Eurobonds	0,1% from the nominal value, min. EUR 30/ USD 40
Bonds of USA and Western Europe issuers	0,1% from the nominal value, min. EUR 30/ USD 40
Bonds of the Republic of Latvia issuers (in Latvian lats)	0,1% from the nominal value, min. LVL 10
The minimum amount of transaction	upon agreement
Shares
Russian share	0,25%, min. USD 40
European share (Germany, France, Netherlands, Italy, Finland, Sweden, Norway, Austria, Denmark, Belgium)	0,35%, min. EUR 35
The United Kingdom	0,35%, min. GBP 30
United States of America share	0,35%, min. USD 40
Other countries	upon agreement
The minimum amount of transaction	upon agreement
Derivatives
Future contracts (full contract turnover, including opening and closing of the position) with monthly turnover:
up to 100 contracts	USD 30 for 1 contract
from 100 to 500 contracts	USD 25 for 1 contract
over 500 contracts	USD 20 for 1 contract
The minimum amount of transaction	upon agreement
Services
Opening of securities account	free of charge
Transfer of securities from the client's securities account, from the market value of the securities:
within the bank	LVL 5
to account with another bank	0,5%, min. EUR 40
Servicing of securities account, from the account balance at the end of the month	0,02%/month, min. LVL 2
Preparation of non-standard documents upon the Client's request	LVL 10
Trust Services
Opening of trust account	free of charge
The minimum amount of transaction	upon agreement
Management fee	1,5%
For placement	1%
From income	15%
Transactions with securities	according to investment services fees
Templeton Investment Funds
The minimum amount of transaction	EUR 5 000
Purchase of Bonds Funds	0,5%
Purchase of Balanced Funds	1,5%
Purchase of Shares Funds	1,5%