1. Frozen Foreign Currency Account Fiscal Sustainability

2. Amendments to the Law on FFCA Payout period being shortened from 13 years to 5 years; and Payout period being shortened from 13 years to 5 years; and Increase accrued interest from 1/2 % to between 5% - 13%. Increase accrued interest from 1/2 % to between 5% - 13%.

3. 5 Year versus 13 Year Payout

4. Effects of the Amendments Raises the total cost to approximately KM 4.2 billion. Raises the total cost to approximately KM 4.2 billion. Increase by KM 1.8 billion or 78% in the amount to be paid. Increase by KM 1.8 billion or 78% in the amount to be paid. Represents 26% of GDP. Represents 26% of GDP.

5. Neighboring Countries Successor states of ex SFRY Interest rate Payout period Republic of Croatia 5 % 20 Years Republic of Slovenia 6 % 10 Years Republic of Macedonia 2 % 10 Years Serbia and Montenegro 2 % 15 Years BiH Amendments 5 –13 % 5 Years

6. Put another way : Put another way : 1.8 billion KM= 3years of wages of all teachers in BiH 1.8 billion KM= 3years of wages of all teachers in BiHor Full year p ension for BiH pensioners. Full year p ension for BiH pensioners.