SCHEDULE OF FEES & CHARGES COLLECTED BY BANK ZACHODNI WBK FOR BANKING SERVICES PROVIDED TO PERSONAL CUSTOMERS

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1 SCHEDULE OF FEES & CHARGES COLLECTED BY BANK ZACHODNI WBK FOR BANKING SERVICES PROVIDED TO PERSONAL CUSTOMERS Effective as of (includes also the amended items applicable as of ) 1

2 TABLE OF CONTENTS GENERAL PROVISIONS... 3 PART 1. PRODUCTS AND SERVICES IN THE CURRENT OFFERING... 7 CHAPTER I BANK ACCOUNTS... 7 CHAPTER II ACCOUNT PAYMENT CARDS/OTHER ELECTRONIC PAYMENT INSTRUMENTS ISSUED FOR ACCOUNTS... 8 CHAPTER III E-BANKING SERVICES CHAPTER IV TERM DEPOSITS AND SAVINGS ACCOUNTS CHAPTER V CREDIT CARDS CHAPTER VI LOANS CHAPTER VII FOREIGN CURRENCY TRANSACTIONS CHAPTER VIII OTHER SERVICES APPENDIX NO. 1 INSURANCE APPENDIX NO. 2 PRIVATE BANKING AND WEALTH MANAGEMENT PRODUCTS AND SERVICES PART 2. SERVICES WITHDRAWN FROM THE OFFERING CHAPTER I BANK ACCOUNTS AND PACKAGES NOT COVERED BY THE OFFERING CHAPTER II PAYMENT CARDS FOR ACCOUNTS AND CHARGE CARDS NOT INCLUDED IN OFFERING CHAPTER III CREDIT CARDS NOT COVERED BY THE OFFERING CHAPTER IV SAVINGS ACCOUNTS AND TERM DEPOSITS CHAPTER V LOANS CHAPTER VI INSURANCE NOT COVERED BY THE OFFERING APPENDIX NO. 1 AVOCADO PRODUCTS AND SERVICES

3 GENERAL PROVISIONS 1. Bank Zachodni WBK, hereinafter referred to as BZ WBK, collects fees and charges as per the "Schedule of Fees and Charges collected by Bank Zachodni WBK for banking services provided to personal customers", hereinafter referred to as the "Schedule". 2. Definitions: Partner Outlet BZWBK agency outlet operating under the name Bank Zachodni WBK Partner. BZWBK Outlet - BZWBK Branch, Partner Outlet or another BZWBK organisational unit providing services to customers. Business Day each day not being Saturday or a public holiday. Another bank an entity other than BZWBK, providing payment services as per art. 3 of the Act on Payment Services of 19 August 2011, including a foreign bank. 3. Fees and charges are set in Polish zloty or in foreign currencies. 4. Collection of fees and charges Fees and charges for payment services provided pursuant to a general agreement, collected on periodical basis, are payable to BZWBK only for the term of such general agreement and are subject to: a) pro rata return for fees & charges collected in advance, b) pro rata accrual for fees & charges collected in arrears, and apply for a period during which a given product was actually availed of. 4.1a. Bank accounts and savings accounts listed in part 1, chapter 1, chapter 4, table 1, appendix 2 and appendix 3 ( Bank Accounts table) and in part 2, chapter 1, table 1. Fees and charges are collected in the following manner: a) account maintenance on the last day of the calendar month or on the account closing date b) transfers, statements, withdrawals, direct debits collective fees for individual transactions and statements sent from the first to the last day of a given calendar month, inclusive or till the account closing date, inclusive, are collected on the last day of a given calendar month or on the account closing date excluding the following accounts: Private Banking account, Wealth Management account in the case of which the fee is collected as follows: collective fees for individual transactions and statements sent from the first to the 15th day of a given calendar month, inclusive or to the account closing date, inclusive, or from the 16th till the last day of a given calendar month or till the account closing date, inclusive, are collected on a regular basis on the 15th or the last day of a given calendar month or on the account closing date. c) Other fees are collected from the account managed by BZWBK on the day of placing or effecting an order or at other dates indicated in this Schedule of fees and charges or in agreements signed by a customer and BZWBK. When an account managed by BZWBK is closed and account maintenance fee depends on the amount of minimum inflows, should the minimum inflows condition be not met in full the fee is collected pro rata. 4.1b. Bank accounts and savings accounts listed in part 1, chapter 4 ( Term Deposits table and table 2) and in part 2, chapter 1, tables 2-4 and chapter 4. Monthly fees for accounts and bank packages are collected beginning from the next calendar month after the account opening, in arrears, at the end of each month. a) account maintenance on the last day of the calendar month, b) other fees are collected from the account managed by BZWBK on the day of placing or effecting an order or at other dates indicated in this Schedule of individual fees and charges or in agreements signed by a customer and BZWBK. In the case of: a) lack of funds in the account or lack of overdraft limit to cover the fees/ charges and b) lack of turnover in the account (excluding the accrued interest, fees and charges) recorded for a period longer than 3 months, beginning from month 4, the Bank suspends the accrual of fees and charges for the account management. The Bank will renew the accrual of such fees and charges upon identification of inflows to the account in the amount not lower than the value of due/ accrued fees and charges. 4.2 Account payment cards/other electronic payment instruments and related activities Fees and charges are collected: a) on the day of effecting or settling a transaction or b) in a monthly cycle by the 10th day of each calendar month (inclusive) following a month to which they refer; the only exception is a monthly fee for Visa KKS Lech card where fees are collected by the end of each calendar month following a month to which they refer. c) in an annual cycle on the card issuance day or on the 25th day of each calendar month; 3

4 d) in the case of Maestro, Visa Electron, Visa Electron <30, Wydajesz &Zarabiasz, Visa Classic where the fee accrual cycle was changed into a monthly one and where the previous annual/ twoyear fee was accrued in advance, the change of fee into a monthly one will come into effect after the end of a period for which the previous fee was collected Electronic banking services Fees and charges are collected in the following manner: a) Sms-code within BZWBK24sms and Alert24 Packages fees are collected on the 5th day of a calendar month following the month they apply to. b) Sending SMS information, including KB24 alert at the Customer request fees are collected for each sent information, monthly, in arrears.fee for issuing/ replacement of KB Card or KB24 multifunctional token is collected at the moment of issuance/ replacement. d) Fee for issuance/ replacement of the list of single-use passwords, is collected at the moment of: - issuing/ replacement if it takes place in the Bank s outlet (excluding partner outlets), - order when ordering a new list of single-use passwords from KB a. Credit cards listed in part 1, chapter 5, table 1, part 2, chapter 3 a) when the main or the additional card is issued, the card account is debited with a card fee during year one, within 3 months of the new card issuance. b) thereafter, the main & additional card fee is collected on an annual or monthly basis, in accordance with the customer s instructions: - the annual fee debits the card account on the day when the first list of transactions is generated, after the end of a calendar month when the card issuance anniversary takes place, - the first monthly fee debits the card account on the day when the first list of transactions is generated, after the end of a calendar month when the card issuing anniversary takes place, Thereafter, monthly fees are debited to the card account on the days when subsequent transaction statements are generated. - in the case of additional cards issued by , annual fees or monthly fees are collected on the same day as fees for main cards. - A fee for additional card is collected in the same manner as the main card fee. c) The main card holder has the right to change the cycle of card fee collection in the next years (from annual to monthly and otherwise). the annual fee debits the card account on the day when the first list of transactions is generated, after the end of a calendar month when the card issuing anniversary takes place, In the case of cards issued after , instruction to change the cycle of card fee collection will lead to debiting the card account with a fee on the day when the first list of transactions is generated, after the end of a calendar month when the card issuing anniversary takes place. Instructions to change the fee collection frequency/ cycle should be reported by a customer not later than a week before the end of a month when the card issuing anniversary takes place. d) When the MasterCard<30 is replaced at the renewal date for customers over 30 a fee for card replacement is not collected. e) Fees for issuing and using 123 Credit Card are collected in monthly cycles, regardless the number of transactions carried out using the card during a settlement cycle. The first monthly fee is charged to the Card Account in a month directly following the month during which the Agreement was signed. The Card Account charging date is indicated in the list of transactions. The next monthly fees are collected on the same day of a calendar month when the first fee was collected, however if the fee collection date is a non-business day, then the fee is collected on the business day directly preceding the non-business day. 4.4b. Credit cards listed in part 1, chapter 5, table 2 a) issuance of the main or the additional card results in debiting the card account with a fee for card issuance and management in year one at the moment of: - card activation or, - sending an SMS with an activation code or, - card collection from the Bank outlet which before the merger between BZWBK SA and Kredyt Bank SA was Kredyt Bank SA outlet. b) the fee for the main or additional card debits the card account on the day when the first list of transactions is generated, after the end of a calendar month when the card issuing anniversary takes place, 4.5 Insurance a) Monthly fee for Twoje Bezpieczeństwo Package is accrued on the debt balance recorded on the 28th day of each month and then collected on the same day. When the date is a non-business day, the fee is collected on the last business day preceding that day. b) Monthly fee for Bezpieczne Pieniądze Komfort (Safe Money Comfort) in the amount indicated in this Schedule of Fees and Charges is collected up-front for the following month on the last business day of a given month during the insurance validity period. c) When funds in the bank account are insufficient to cover the fees collectable by BZWBK as per Appendix 1, the insurance cover will be discontinued in accordance with Insurance terms & conditions. d) Fee for insurance coverage within the additional services package is collected monthly, on the last day of a month, for a given month. e) Other fees are collected from the account indicated as the one from which fees for insurance should be collected on the day of placing or effecting an order or at other dates indicated in this Schedule of Fees and Carges or in agreements signed by a customer and BZWBK. f) Hipoteka+ (Mortgage +) insurance: - for Życie 18+ (Life 18+) and Życie 48+ (Life 48+) packages, the fee is set based on the level of debt arising from a loan agreement used for determining the loan instalment that falls due in a given settlement period. 4

5 - for Praca (Job) package, the fee is set based on the level of loan instalment (under a Loan Agreement) falling due in a given settlement period. 5. Fees and charges for banking activities are not collected on: a) operations related to repayment of debts toward BZWBK or its subsidiaries, regardless of the debt form (not applicable to operations effected from the Savings Account), b) lodgements made by private individuals when an agreement signed with an account holder indicates that in this case, the fee is paid by the beneficiary, c) cash lodgements made by BZWBK customers and related to payment of tax on civil law activities, provided the tax is related to services provided by BZWBK. 6. The applicable fees & charges are paid by the party that orders a transaction unless the parties to a given transaction agreed otherwise or the instruction submitted states otherwise and BZWBK accepts it. 7. The fees & charges amounts will be rounded in line with generally acceptable principles. 8. For operations in foreign currencies, fees & charges will be calculated based on: a) a PLN equivalent of the operation amount in the case of fees & charges denominated in PLN, b) operation amount - in the case of fees & charges and cost of international banks denominated in foreign currencies. Fees & charges denominated in PLN are converted at the average NBP rate applicable on the fee/ charge collection date, except for fees on operations related to: - purchase/sale of fx currencies - converted at NBP average buy/sell rate applicable on the previous day, - management of f/x loans and guarantees (excluding early advice, indirect and confirmed guarantees) - converted at the fx buy/sell rate for foreign currencies applicable in BZ WBK, - purchase/sale of fx currencies at the BZWBK cash desks - converted at buy/sell rate applicable in BZWBK, - execution of collections in fx currency - converted at buy/sell rate for foreign currencies applicable in BZWBK, 9. In the case of costs of foreign banks denominated in currency other than the currency in which they will be collected, the conversion is made at the average NBP rate applicable on the day of collecting costs, except for costs of operations related to the execution of collections, letters of credit in convertible currency, as well as, early advice, indirect and confirmed guarantees - converted at the sell rate for foreign currencies applicable in BZ WBK. 10. Fees and charges for transfers/ cash lodgements to an account in another bank do not refer to funds transferred in a foreign currency to accounts of domestic banks and to transfers to accounts in foreign banks fees and charges for the execution of these transactions are collected in line with the fees for payment orders. 11. The provisions set forth in items 8-9 do not apply to activities listed in part 1, chapter 7, table 2, to which the following rules shall apply: a) fee for incoming international transfers does not apply to transfers made to an account indicated in a loan agreement or in an annex thereto as the account from which the loan is repaid. b) fee for incoming NON-STP international transfers does not apply to transfers concerning pension and disability benefits from abroad. If a fee for the transfer of pension and disability benefits from abroad exceeds 50% of the value of the incoming transfer, the Bank will collect only 50% of the transferred amount. c) fee for outgoing international transfers with BEN cost clause rates depend on the availability channel and the execution manner (NON-STP or STP-plus). The transferred amount will be reduced by the Bank s fee. d) fee for an outgoing international transfer as per the payer s instructions depends on the requested bank transfer path, except for transfers effected via JP Morgan CHASE Bank and those sent to the former USSR states (except for Lithuania, Latvia and Estonia). e) fee for costs requested by a foreign bank for non-fulfilment of STP requirements is a fee collected additionally after the request to pay the costs is received from a foreign bank it is always charged to the transfer s Payer, regardless of the cost option and the transfer manner selected. f) for rates expressed in percentage the fee is calculated on the order amount converted into PLN: - for outgoing international transfer at the FX sell rate, - for incoming international transfer at the FX buy rate, g) fees and charges are collected in PLN from an indicated Customer account managed by the Bank outlet (in PLN or in F/X converted at the F/X buy rate), h) in the case of incoming international transfer, when a customer does not have a PLN current account with the bank or funds deposited in the account are insufficient, then the fee is collected in the transfer currency, from an account managed by the Bank, where the deposited funds are sufficient. i) when an account managed by the Bank is debited with an order amount in a currency other than the account currency, then the fee is calculated on the order amount converted to the account currency at the f/x buy or sell rate applicable in the Bank. 12. BZ WBK will not notify its customers of changes in this Schedule of Fees and Charges which will consist solely in the introduction of new types of products or services to the BZ WBK offering or in the case of changes in products or services not referred to in agreements signed by the customer and the Bank. 13. The Bank reserves the right to increase the fee or charge set forth in the Schedule during the term of an agreement, in accordance with procedure set forth in such an agreement (procedure re. changes in the Schedule) if at least one of the below factors gets increased by at least 5% since the last change in the fee or charge: a) 3M WIBOR, b) NBP lombard rate, c) NBP bill of exchange rediscount rate, d) NBP reference interest rate, e) inflation rate (inflation rate the ratio concerning prices of consumer goods and services published by the Chief Office of Statistics on a monthly basis). Increase in the above fee or charge as a result of rise of any of the above rates cannot be higher than the three-fold of the to-date rate. When increasing fees or charges which to-date totalled: a) PLN 0 the increased fee or charge cannot exceed PLN 200, b) 0% the increased fee or charge cannot exceed 2%. 5

6 14. The Bank reserves the right to amend the Schedule by increasing fees or charges or adding new fees or charges during the term of an agreement, in accordance with a procedure set forth in such an agreement if at least one of the below factors gets increased: a) the cost incurred by the Bank on activities and operations carried out in relation to the management of product or service to which the new or increased fee or charge applies, b) the cost related to implementation of decisions and instructions of institutions supervising the Bank s operations, such cost impacting the cost incurred by the Bank in relation to the management of product or service to which the new or increased fee or charge applies. Increase in the above fee or charge as a result of rise of any of the above rates cannot be higher than the three-fold of the to-date rate. When increasing fees or charges which to-date totalled: a) PLN 0 the increased fee or charge cannot exceed PLN 200, b) 0% the increased fee or charge cannot exceed 2%. 15. The changes referred to in items 3-14 can be implemented every calendar quarter, at the maximum. 16. The Bank reserves the right to decrease fees or charges during the term of an agreement, in accordance with a procedure set forth in such an agreement, as a result of changes in competitiveness on the market of financial services. 17. The Bank reserves the right to individually agree with the Customer changes in fees or charges or adding new fees or charges during the term of an agreement, with the omission of principles set forth in items hereof. 6

7 PART 1. PRODUCTS AND SERVICES IN THE CURRENT OFFERING CHAPTER I BANK ACCOUNTS Konto Godne Polecenia Konto 123 Konto Aktywni 50+ Konto VIP F/x Konto Account maintenance (monthly) monthly inflow equal to or higher than PLN , monthly inflow ranging PLN 2000 PLN monthly inflow ranging PLN 1000 PLN PLN PLN inflow below PLN 1000 per month PLN 3 2 Transfer to an account with BZWBK 3 Transfer to an account in another bank 3.1 transfer effected via BZWBK24 e-banking services in ELIXIR system PLN transfer effected via BZWBK24 e-banking services in Express ELIXIR system PLN 3 PLN 3 PLN transfer effected in a BZ WBK Outlet/ Branch in ELIXIR system PLN 7 PLN 7 PLN 7 PLN transfer via SORBNET PLN 35 35,00 zł PLN 35 PLN 35 PLN standing order PLN direct debit PLN Transfer24 PLN Account statement 5.1 ewyciąg (estatement) sent to the inbox of a customer availing of BZWBK24 Internet service 5.2 sent via ordinary mail once a month or more rarely customers without BZWBK24 Internet 5.2b customers with BZWBK24 Internet 5.3 sent by regular mail more frequently than once a month or after each change in the balance PLN 5 PLN 5 PLN 5 PLN account statement duplicate PLN 5 PLN 5 PLN 5 PLN 5 6 Producing a history of account turnover (for each commenced month) 6.1 customers with BZWBK24 Internet PLN 10 PLN 10 PLN 10 PLN 10 PLN customers without BWBK24, when the history concerns the previous calendar month 6.3 customers without BWBK24, when the history concerns a month other than the previous calendar PLN 10 PLN 10 PLN 10 PLN 10 PLN 10 month Re. 1.1, 1.2 and 1.3: does not represent inflow, periodical adding of account interest to the balance by the Bank (re. Konto 123). 7

8 CHAPTER II ACCOUNT PAYMENT CARDS/OTHER ELECTRONIC PAYMENT INSTRUMENTS ISSUED FOR ACCOUNTS TABLE 1 Visa Electron <30 Visa Wydajesz & Zarabiasz Visa na Obcasach Visa Electron Aktywni 50+ Visa Electron VIP MasterCard Omni MasterCard Supri MasterCard Payback Omni MasterCard PAYBACK Multi MasterCard PAYBACK Monthly fee for a card 1a collected every month - PLN PLN 5-1b collected every month if during the last calendar month the Bank settled at least one non-cash transaction effected with the use of a card (except for PLN 1 - PLN PLN 1 Quasi Cash transactions) 1c collected every month if during the last calendar month the Bank did not settle any non-cash, card PLN 5 - PLN PLN 5 transaction (except for Quasi Cash transactions) 1d collected every month if during the last calendar month the Bank settled non-cash transactions effected with the use of a card in the amount of at least PLN 500 1e collected every month if during the last calendar month the Bank did not settle non-cash transactions effected with the use of a card in the amount of at least PLN PLN Express issuance of a card 4 Issuance of another card for an account NOTE: Applies to the second and other cards issued for a given account to card holder and card user 5 Cash withdrawal: 5a in BZWBK24 ATMs and in BZWBK Partner outlets 6 PLN 30 PLN 30 PLN 30 Free of charge Free of charge Free of charge Free of charge PLN 30 PLN 30 PLN 30 PLN 30 PLN 30 PLN 15 Free of Free of Free of charge charge charge 5b in Millennium ATMs Free of Free of Free of PLN 1 charge charge charge PLN 1 PLN 1 PLN 1 PLN 1 5c in PKO BP ATMs Free of Free of Free of PLN 5 charge charge charge PLN 5 5d in other ATMs and terminals in Poland Free of Free of PLN 5 PLN 5 charge charge PLN 5 PLN 5 PLN 5 PLN 5 5e in ATMs and terminals of other institutions abroad Free of 3%; min PLN PLN 5 PLN 5 PLN 5 PLN 5 PLN 5 PLN 5 PLN 5 charge 10 5f cash back Free of Free of Free of charge charge charge 5g effected with a card at a BZ WBK outlet cash desk Currency conversion of a foreign transaction effected in a currency other than EUR (the fee is added 2,8% 2,8% 2,8% 2,8% automatically to the transaction amount) 8

9 7 Checking the balance of available funds or generating a mini-statement (a list of 10 recent transactions) in ATMs 8 Generating a new PIN number for an issued card made at a holder s request submitted in a paper form to BZWBK Branch/ Outlet 9 Generating a history of transactions PLN 2 PLN 2 PLN 2 PLN 9 PLN 9 PLN 9 Free of charge Free of charge PLN 2 PLN 2 PLN 2 PLN 2 PLN 2 PLN 9 PLN 9 PLN 9 PLN 9 PLN 9 Free of PLN 9 PLN 9 PLN 9 PLN 9 PLN 9 PLN 9 PLN 9 PLN 9 charge Re. 5g. The service is not available in outlets which prior to the merger of Kredyt Bank S.A. with BZ WBK S.A. were branded as Kredyt Bank S.A. TABLE 1 continued MasterCard Omni contactless sticker MasterCard PAYBACK Omni contactless sticker MasterCard PAYBACK Contactless Sticker F/X MasterCard in EUR / GBP/ USD rates in the card currency Monthly fee for a card 1a collected every month PLN 3-1b collected every month if during the last calendar month the Bank settled at least one non-cash transaction effected with the use of a card (except for Quasi Cash transactions) c collected every month if during the last calendar month the Bank did not settle any non-cash, card transaction (except for Quasi Cash transactions) 2 Annual card fee FEE WAIVER: Waiver of the annual fee for year one is granted to the Holder of the first card issued for a particular account ,00 3 Express issuance of a card ,00 4 Issuance of another card for an account NOTE: Applies to the second and other cards issued for a given account to card holder and card user 5 Cash withdrawal: 5a in BZWBK24 ATMs and in BZWBK Partner outlets ,25 5b in Millennium ATMs ,50 5c in PKO BP ATMs ,50 5d in other ATMs in Poland ,50 5e in ATMs and terminals of other institutions abroad ,50 5f cash back g effected with a card at a BZ WBK outlet cash desk ,50 6 Currency conversion of a foreign transaction effected in a currency other than EUR (the fee is added automatically to the transaction amount) 7 Checking the balance of available funds or generating a ministatement ,50 (a list of 10 recent transactions) in ATMs 8 Generating a new PIN number for an issued card made at a holder s PLN 9 PLN 9 PLN 9 2,50 request submitted in a paper form to BZWBK Branch/ Outlet 9 Generating a history of transactions PLN 9 PLN 9 PLN 9 2,00 Re. 5g. The service is not available in outlets which prior to the merger of Kredyt Bank S.A. with BZ WBK S.A. were branded as Kredyt Bank S.A. 9

10 TABLE 2 Applies to cards issued for Ekstrakonto accounts: Plus, Concerto, Rachunek Podstawowy, Profil Spokojny, Profil Aktywny, Profil Ambitny, Profil Zdobywcy, Junior, Student, S, Profit, VIP, Elita and for accounts: Konto Osobiste (Personal Account), Konto dla Młodzieży, Konto Osobiste dla osób pobierających naukę (personal Account for students), A vista EUR Account. Visa Sol Visa Lume Visa Vento Visa Terra Visa Electron VIP F/X MasterCard in EUR rates in the card currency Monthly fee for a card 1a collected every month b collected every month if during the last calendar month the Bank settled at least five non-cash transaction effected with the use of a card (except for Quasi Cash transactions) 1c collected every month if during the last calendar month the Bank did not settle at least five non-cash transaction effected with the use of a card (except for Quasi Cash PLN 4 - PLN 2 PLN transactions) 2 Annual card fee FEE WAIVER: Waiver of the annual fee for year one is granted to the ,00 Holder of the first card issued for a particular account 3 Express issuance of a card PLN 30 PLN 30 PLN 30 PLN 30ł 10,00 Issuance of another card for an account 4 NOTE: Applies to the second and other cards issued for a given 10,00 account to card holder and card user 5 Cash withdrawal: 5a in BZWBK24 ATMs 0,25 5b in other ATMs and terminals in Poland 3% min PLN 5 Bez opłat 3% min PLN 5 Bez opłat 1,50 5c in ATMs and terminals of other institutions abroad 3% min PLN 10 3% min PLN 10 3% min PLN 10 3% min PLN 10 1,50 5d cash back 5e effected with a card at a BZ WBK outlet cash desk Currency conversion of a foreign transaction effected in a 6 currency other than EUR (the fee is added automatically to 2,8 % 2,8 % 2,8 % 2,8 % 2,8 % - the transaction amount) 7 Checking the balance of available funds or generating a mini-statement (a list of 10 recent transactions) in ATMs PLN 2 PLN 2 PLN 2 PLN 2 0,50 Generating a new PIN number for an issued card made at 8 a holder s request submitted in a paper form to BZWBK Branch/ Outlet PLN 9 PLN 9 PLN 9 PLN 9 2,50 CHAPTER III E-BANKING SERVICES BZWBK24 ELECTRONIC BANKING SERVICES Applies to accounts listed in Part 1, chapter 1 and chapter 4, table 1 and in part 2, chapter 1, table 1. Rate 1 smscode 10

11 1.1 for Konto<30, Konto Godne Polecenia, Konto 123, Konto VIP or Konto24 VIP holders 1.2 for customers who do not hold Konto<30, Konto Godne Polecenia, Konto 123, Konto VIP or Konto24 VIP account 1.2a the first 5 smscodes in a given month 1.2b the 6 th and further smscodes in a given month PLN SMS under BZWBK24sms service PLN 0.5 MAXI Package MINI Package 4 3 Alert24 Packages 3a package usage PLN 9 3b sending an alert (via SMS) PLN 0.3 3c sending an alert (via ) KB24 ELECTRONIC BANKING SERVICES Applies to accounts listed in Part 1, chapter 4, table 2 and part 2, chapter 1, tables 2 and 3 and in chapter 4, Savings Accounts table. Rate 1 Sending an SMS, including KB24 alarm at the customer request PLN Issuing/ replacement of KB Card for each KB card 2.1 the first KB Card 2.2 the next KB Card PLN replacement of KB card PLN 5 3 Issuing/ replacement of a multifunctional token for KB24 PLN 50 4 Fee for the list of single-use passwords for KB24 PLN 8 5 Issuing/ replacement of KB token for KB24 Re. 2.1 and 2.2 the services are available solely in outlets which prior to the merger of Kredyt Bank S.A. with BZ WBK S.A. were branded as Kredyt Bank S.A. Re. 4. The list of single-use passwords exclusively for KB24 made available before , unless KB Card replacement is required. CHAPTER IV TERM DEPOSITS AND SAVINGS ACCOUNTS TERM DEPOSITS Rate 1 Transfer instruction re. transfer of funds from deposit account to an account with a different bank (refers to PLN 7 interest and capital at interest availability dates or upon the expiry of contractual period) 2 Transfer of funds from a deposit closed prior to the expiry of contractual period to an account with a different PLN 7 bank 3 Account statement 3a ewyciąg [estatement] / account statement for BZWBK24 / KB24 3b hard copy 3c account statement duplicate PLN 5 SAVINGS ACCOUNT TABLE 1 Savings account in PLN Savings account a la deposit in PLN Savings account in F/X Cash withdrawal effected in a BZ WBK outlet 11

12 Savings account in PLN Savings account a la deposit in PLN Savings account in F/X 4 5 1a first one in a calendar month 1b each next one in a calendar month PLN 7 PLN 20 PLN 7 2 Transfer to an account with BZWBK (excl. transfers to term deposits) 2.1 effected via BZWBK24 e-banking services 2.1a first one in a calendar month PLN b each next one in a calendar month PLN 7 PLN 20 PLN effected in a BZ WBK Outlet PLN 7 PLN 20 PLN standing order PLN 9 PLN 20 PLN direct debit PLN 9 PLN 20-3 Transfer to an account in another bank 3.1 transfer effected via BZWBK24 e-banking services in ELIXIR system 3.1a first one in a calendar month PLN b each next one in a calendar month PLN 8 PLN transfer effected via BZWBK24 e-banking services in Express ELIXIR PLN 8 PLN 20 - system 3.3 transfer effected in a BZ WBK Outlet in ELIXIR system PLN 8 PLN transfer via SORBNET PLN 35 PLN standing order PLN 9 PLN direct debit PLN 9 PLN 20-4 Transfer24 PLN 8 PLN 20-5 Account statement 5.1 ewyciąg (estatement) sent to the inbox of a customer availing of BZWBK24 Internet service 5.2 sent via ordinary mail once a month or rarer 5.2a customers without BZWBK24 Internet 5.2b customers with BZWBK24 Internet PLN 5 PLN 5 PLN account statement duplicate PLN 10 PLN 10 PLN 10 6 Producing a history of account turnover (for each commenced month) 6.1 customers with BZWBK24 Internet PLN 10 PLN 10 PLN customers without BWBK24, when the history concerns the previous calendar month 6.3 customers without BWBK24, when the history concerns a month other than the previous calendar month PLN 10 PLN 10 PLN 10 TABLE 2 Savings Accounts offered and managed by outlets which prior to the merger of Kredyt Bank S.A. with BZ WBK S.A. were branded as Kredyt Bank S.A. or by KB24 service. Konto Ekstra Oszczędnościowe Konto Oszczędnościowe w walutach 4 1 Transfer on each transfer, once it is effected 1a the first transfer (including the effected cash withdrawals in an outlet) in a calendar month 1b the second and further transfers (including the effected cash withdrawals in an outlet) in a calendar month PLN 7 PLN 10 12

13 Konto Ekstra Oszczędnościowe Konto Oszczędnościowe w walutach 4 2 Cash withdrawal on each withdrawal, at the moment of making a withdrawal 2.a the first withdrawal in an outlet (including the effected cash withdrawals) in a calendar month 2.b the second and subsequent withdrawals in an outlet (including the PLN 7 PLN 10 effected cash withdrawals) in a calendar month 4 Account statement 4.1 available in KB24 service, IKD Channel 4.2 sent via ordinary mail, to the correspondence address 4.2a once a month or rarer PLN 5 4.2b more frequently than once a month PLN 5 PLN collected in BZWBK outlet 4.3a once a month or rarer when the account Holder indicated BZWBK outlet as the place to collect the account statement 4.3b more often than once a month when the account Holder indicated BZWBK outlet as the place to collect the account statement PLN 5 PLN 5 4.3c by account Holders who expressed their consent to providing account statements in KB24 service IKD Channel or requested sending account PLN 5 PLN 5 statements to a correspondence address 5 Producing a history of account turnover (for each commenced month) PLN 10 PLN 10 Re. 1. For Savings Account in EUR, USD and GBP, the fee is collected as per the average exchange rate set forth in BZWBK Exchange Rates Table. When a transfer is effected via SORBNET, only a fee for the SORBNT transfer is collected, also for the first transfer. Re. 4.3 the services are available solely in outlets which prior to the merger of Kredyt Bank S.A. with BZ WBK S.A. were branded as Kredyt Bank S.A. CHAPTER V CREDIT CARDS Visa Silver, Visa Silver Akcja Pajacyk, MasterCard Silver, Visa Classic: 300 lat Uniwersytetu Wrocławskiego, Uniwersytetu Mikołaja Kopernika, Uniwersytet Jagielloński MasterCard PAYBACK Visa Gold no. BIN , MasterCard Gold World MasterCard no. BIN Credit card 123 Visa Platinum, Visa Platinum Porsche Card fee in year one FEE WAIVER: Konto24 VIP holders are exempted from the fee for the main Gold card and additional cards added to the main card. 1.1 main card (depending on the level of the sanctioned limit) FEE WAIVER: 2.5%; max PLN %; max PLN 58 PLN 220 PLN 125 The fee is not collected provided that at least 3 transactions are settled (except for transfers from the credit card) within 3 months from the card issue approval. 1.2 additional card PLN 38 PLN 38 PLN 190 PLN 95 MasterCard< 30 PLN 10 per 2) PLN 500 PLN 25 month The fee is not collected provided that at least 3 transactions are settled - (except for transfers from the credit card) within 3 months from the card issue approval. PLN 3 per month 2) PLN

14 2 Schedule of Fees & Charges collected by Bank Zachodni WBK for banking services provided to Personal Customers Visa Silver, Visa Silver Akcja Pajacyk, MasterCard Silver, Visa Classic: 300 lat Uniwersytetu Wrocławskiego, Uniwersytetu Mikołaja Kopernika, Uniwersytet Jagielloński MasterCard PAYBACK Visa Gold no. BIN , MasterCard Gold World MasterCard no. BIN Credit card 123 Visa Platinum, Visa Platinum Porsche FEE WAIVER: The fee is not collected provided that at least 3 transactions are settled (except for transfers from the credit card) within 3 months from the card issuance approval. Card fee in subsequent years (collected on an annual or monthly basis) FEE WAIVER: Konto24 VIP holders are exempted from the fee for the main Gold card and additional cards added to the main card. 2.1 annual fee main card (depending on the level of 2.1a the sanctioned limit) - MasterCard< 30 The fee is not collected provided that at least 3 transactions are settled (except for transfers from the credit card) within 3 months from the card issuance approval. 2.5%; max PLN %; max PLN 58 PLN 220 PLN PLN 500 PLN b additional card PLN 38 PLN 38 PLN 190 PLN 95 - PLN FEE WAIVER: The main card or additional card fee is not collected on condition that transactions settled during the last 12-month cycles (except for transfers from credit card) totalled: - PLN 12k PLN 12k PLN 24k PLN 24k - PLN 36k 2.2 monthly fee 2.2a main card (depending on the level of 0.2%; max PLN 5 0.2%; max. PLN 5 1) - PLN 20 the sanctioned limit) PLN 10 PLN b additional card PLN 3 PLN 3 1) PLN 15 - PLN 3 PLN 40 - FEE WAIVER: The main card or additional card fee is not collected on condition that transactions effected with a card during the last 1-month cycle (except for transfers from credit card) totalled 1) : - PLN 1k PLN 1k PLN 2k - - PLN 3k 3 Cash withdrawal in Poland and abroad 3.5%; min PLN %; min PLN %; min PLN 3.5%; min PLN 3.5%; min PLN 3.5%; min PLN %; min PLN Non-cash transaction 5 Currency conversion of a foreign transaction effected in a currency other than EUR (for VISA cards only) (the fee is added automatically to the transaction amount) 3% - 3% Transfer from a credit card account effected via BZWBK24 Internet (%of the transferred funds) 3% min. PLN 5 3% min. PLN 5 3% min. PLN 5 13% min. PLN 5 3% min. PLN 5 3% min. PLN 5 3% min. PLN 5 7 Unauthorised debt (% of the amount above 10%; min PLN 10%; min PLN 40 10%; min PLN 40 10%; min PLN 40 10%; min PLN 40 10%; min PLN 40 10%; min PLN 40 the authorised limit) 40 8 Card replacement at the Customer request applies to cards listed in table 1. PLN 12 PLN 12 PLN 12 PLN 12 PLN 12 PLN 12 PLN 12 9 Lost card replacement with a new card3) 10 List of transactions 10a for the main card 10b for the additional card PLN 2 PLN 2 PLN 2 PLN 2 PLN 2 PLN 2 14

15 Visa Silver, Visa Silver Akcja Pajacyk, MasterCard Silver, Visa Classic: 300 lat Uniwersytetu Wrocławskiego, Uniwersytetu Mikołaja Kopernika, Uniwersytet Jagielloński MasterCard PAYBACK Visa Gold no. BIN , MasterCard Gold World MasterCard no. BIN Credit card 123 Visa Platinum, Visa Platinum Porsche MasterCard< Transaction history duplicate PLN 5 PLN 5 PLN 5 PLN 5 PLN 5 PLN 5 12 Emergency cash withdrawal abroad PLN 150 PLN 150 PLN 150 PLN Replacement card issue abroad PLN 200 PLN 200 PLN 200 PLN Fee for Ratio service 1% min. PLN 5 1% min. PLN 5 1% min. PLN 5 1% min. PLN 5 1% min. PLN 5 1% min. PLN 5 1% min. PLN 5 15 Fee on non-cash transactions effected in points marked as: Casinos, internet casinos, games of chance, betting shops, lotteries and 3% min. PLN 7 3% min. PLN 7 3% min. PLN 7 3% min. PLN 7 3% min. PLN 7 3% min. PLN 7 3% min. PLN 7 lottery offices 1) The monthly fee does not apply to MasterCard PAYBACK cards, except for MasterCard PAYBACK cards issued to replace another card held previously to which a monthly fee applied 2) Monthly fee is accrued beginning from a month directly following the month during which the card was used.. CHAPTER VI LOANS MORTGAGE LOANS Rate 1 Loan sanction 1.1 home loan, equity release 1.1a PLN loan max. 2.5% 1.1b EUR loan (applies to home loan) max. 2.5 % 1.2 home loan for the purchase of a real estate on the primary market from a developer or a housing co-operative funded by a BZWBK commercial loan 3.5% 1.3 Home loan, with subsidies from NFOŚiGW earmarked for partial repayment of the principal max. 2.5% Early repayment of total or part of the loan (on the prepaid amount) 2 The fee applies to: home loan, fixed interest rate home loan with subsidies, consolidation loan, investment loan, equity release and Business Locum 2a with a fixed interest rate 3% or the rate specified in the agreement 2b with a variable interest rate or the rate specified in the agreement 3 Change of the fixed interest rate into a variable interest rate (calculated on the outstanding loan amount) of home loan, fixed interest rate home loan with subsidies, consolidation loan, investment loan, equity release and Business Locum 3% or the rate specified in the agreement Issuing a sanction in principle for a home mortgage 4 If the customer obtained a loan and earlier s/he availed of a sanction in principle, then the fee for issuing the sanction in principle paid PLN 200 by the customer is returned to his/her personal account with BZ WBK Loan currency conversion (on the amount to be converted) 5 The fee is not collected if an f/x home loan, consolidation loan, investment loan, equity release or Business Locum is converted into 1% PLN. 6 Change of the remaining terms and conditions of the agreement at the borrower s request in the form of: 6a annex describing detailed rules of setting methods and dates of calculating the fx rates as well as making principal&interest repayments and full or partial loan prepayments in the loan currency. 6b annex increasing the mortgage amount when this mortgage backs the Bank s new receivables. 6c annex to the agreement or to the arrangement agreement other cases not listed in 6a and 6b PLN

16 6d an arrangement setting new conditions for the repayment of receivables subject to the debt collection proceedings (following the termination of a loan agreement) PLN for a B/E protest min PLN the cost 8 Photo-inspection verifying the progress in construction works PLN Service consisting in the valuation of a property that will secure a mortgage loan/ equity release PLN 200 OVERDRAFT LIMITS TABLE 1 Applies to overdraft limits listed in part 1, chapter 1, appendix 3 and part 2, chapter 1, table VIP Overdraft Other overdraft limits Broker loan 1) Loan sanction 0.5%; min PLN 50 1%; min PLN 50 1%; min PLN 50 2 Overdraft limit increase (% of the increase) 0.5%; min PLN 50 1%; min PLN 50 0,10% 2) 3 Limit renewal (on the renewed amount) 1%; min PLN 50 1%; min PLN 50 1%; min PLN 50 4 Change of the remaining terms and conditions of the agreement at the borrower s request in the form of: 4a annex to the agreement PLN 30 PLN 30 PLN 30 4b an arrangement setting new conditions for the repayment of receivables subject to the debt collection proceedings (following the termination of a loan agreement) 5 for a B/E protest min PLN the cost min PLN the cost min PLN the cost 1) Loan for the purchase of securities on the regulated market 2) For each commenced month until the end of the contractual lending term TABLE 2 Applies to overdraft limits listed in part 2, chapter 1, tables 2 and 3. Ekstrakonto overdraft: S, Student, Profit, Elita Ekstrakonto overdraft: Rachunek Podstawowy, Profil Spokojny and Konto Osobiste (Personal Account) Ekstrakonto overdraft: Concerto, VIP Rate Ekstrakonto Plus overdraft Ekstrakonto overdraft: Profiles: Aktywny, Ambitny, Zdobywcy Loan sanction 1%; min PLN 50 1%; min PLN 50 1%; min PLN 50 1%; min PLN 50 2 Overdraft limit increase (% of the increase) 1%; min PLN 50 1%; min PLN 50 1%; min PLN 50 1%; min PLN 50 3 Limit renewal (on the renewed amount): 3a agreements signed by %; min PLN %; min PLN 50 1%; min PLN %; min PLN 50 3b agreements signed as of %; min PLN 50 1%; min PLN 50 1%; min PLN 50 1%; min PLN 50 4 Change of the remaining terms and conditions of the agreement at the borrower s request in the form of annex to agreement PLN 30 PLN 30 PLN 30 PLN 30 PLN 30 16

17 Ekstrakonto overdraft: S, Student, Profit, Elita Ekstrakonto overdraft: Rachunek Podstawowy, Profil Spokojny and Konto Osobiste (Personal Account) Ekstrakonto overdraft: Concerto, VIP Ekstrakonto Plus overdraft Ekstrakonto overdraft administration (applies to agreements signed on terms and conditions applicable before ) On the Ekstrakonto overdraft limit granted for a definite term above 12 months or for an indefinite term Ekstrakonto overdraft administration fees are collected in advance, for each commenced year, beginning from year two of the overdraft utilisation When transforming Personal Accounts in the form of universal accounts into Ekstrakonto and: a) overdraft limit transfer b) changing the authorised debit balance into an overdraft in the same amount, no fee is collected % min. PLN 50 Ekstrakonto S, Profit, Stuudent/ 1% min. PLN 50 Ekstrakonto Elita 1.99%; min PLN % min. PLN 50 Ekstrakonto Concerto/ 1% min. PLN 50 Ekstrakonto VIP Ekstrakonto overdraft: Profiles: Aktywny, Ambitny, Zdobywcy 1.99%; min PLN 50 OTHER LOANS TABLE 1 Cash loan Cash loan secured with liquid assets Loan for the purchase of securities in the primary market or during the IPO Cash loan for repayment of debts towards BZ WBK (restructurin g) Cash loan with an option to allocate the funds to the purchase of gas boiler or water heater fed with network gas fuel, effected in liaison with Polskie Górnictwo Naftowe i Gazownictwo S.A Loan sanction 5%; min PLN 50 1%; min PLN %; min PLN 50 PLN 50 3%; min PLN 50 2 Early repayment of total or part of the loan (on the prepaid amount) with a fixed interest rate 2.1a loans sanctioned until in the amount lower or equal to PLN 80, b loans sanctioned until in the 4%; min PLN 4%; min PLN 16 4%; min PLN 16 - amount above PLN 80, %; min PLN c loans sanctioned from in the amount lower or equal to PLN 255, d loans sanctioned from in the amount above PLN 255,550 4%; min PLN with a variable interest rate Change of the remaining terms and conditions of the agreement at the borrower s request in the form of: 3a annex to the agreement PLN 30 1) PLN 30 PLN 30 PLN 30 PLN 30 3b an arrangement setting new conditions for the repayment of receivables subject to the debt collection proceedings (following the termination of 17

18 Cash loan Cash loan secured with liquid assets Loan for the purchase of securities in the primary market or during the IPO Cash loan for repayment of debts towards BZ WBK (restructurin g) Cash loan with an option to allocate the funds to the purchase of gas boiler or water heater fed with network gas fuel, effected in liaison with Polskie Górnictwo Naftowe i Gazownictwo S.A a loan agreement) 4 for a B/E protest min PLN the cost 1) The fee does not apply to annex to agreement re. cash loan conversion into a car loan. CHAPTER VII FOREIGN CURRENCY TRANSACTIONS min PLN the cost min PLN the cost min PLN the cost min PLN the cost TABLE 1 Applies to accounts listed in part 1, chapter 1 and chapter 4, table 1, in appendices 2 and 3 and in part 2, chapter 1, table 1. Rate 1 Incoming payment orders to a BZ WBK account 1.1 SEPA PLN payment order received as a result of pension benefits transferred from abroad PLN others PLN 10 NOTE: In the case of incoming payment orders (when funds are lodged to BZWBK account), the fees listed in item 1) are not applied to transactions where BZWBK costs are covered by the ordering party 2 Outgoing payment orders 2.1 effected via e-banking services: 2.1a SEPA PLN 5 2.1b others 0.2%; min PLN 9.5, max. PLN effected in a BZ WBK Branch 0.25%; min PLN 9.5, max. PLN Additional fees and charges to the outgoing payment orders 3.1 fee for sending a payment order (excl. SEPA payment order) sent as: 3.1a urgent - transaction made at BZ WBK branch or via BZWBK24 e-banking service (in EUR, USD, GBP and PLN) excl. payments in EUR as per the Payment Services Act for which only the fees referred to in point 2 apply 0.1%; min PLN 4.75, max. PLN b express - transaction made via BZWBK24 e-banking service (in EUR, USD, GBP and PLN, excluding Target withdrawal instruction). 0.2%; min PLN 9.5, max. PLN c express - transaction made at BZ WBK branch (in EUR, USD, GBP and PLN, excluding Target payment order) 0.3% min PLN 20 max. PLN d express for Target payment order: effected via BZWBK24 e-banking services 0.2%; min PLN 9.5, max. PLN e express for Target payment order: effected in BZWBK Branch 0.3% min PLN 20 max. PLN PLN sending a payment order to another bank to the beneficiary s account in the format other than IBAN (for each message) PLN flat fee when the costs of intermediating banks and the recipient bank are borne by the ordering party, for f/x payment orders NOTE: When the costs of participating banks are three-fold higher than the flat fee, BZWBK may additionally charge the customer with an amount representing the difference between the flat fee and the actual costs. The above rule does not apply to payments regulated by the Payment Services Act 3.3a EUR payment orders equal to or lower than EUR 1000 EUR 5 3.3b EUR payment orders higher than EUR 1000 EUR c USD USD d GBP GBP 12 18

19 Rate 3.3e AUD AUD f CAD CAD g CHF CHF h DKK DKK i NOK NOK j SEK SEK k CZK CZK l JPY JPY 3, ł PLN PLN m Other currencies PLN 75 4 Issuing a payment order copy (per copy of the message) PLN 15 5 Non-standard activities referring to payment orders and in particular order of: confirmation of the recipient account s crediting with a payment order PLN the cost of third party sent from BZWBK, changes in the details of a payment order outgoing from BZWBK, cancellation of the outgoing payment order sent from BZWBK The fee banks is collected for each of the above actions 6 Cancellation of the outgoing payment order not sent from BZWBK PLN 25 7 Return of a payment order sent from BZWBK, such return made by a third party bank 8 Cheque encashment Note: 1. cheques are encashed only if the cheque drawer has an account with BZ WBK 2. In the case of checks payable at the same bank and in the same currency, collected from one presenter on one list the fee is collected on the total value of the cheques, in accordance with relevant brackets. 8.1 cheque collection 8.2 settlement with recourse 8.3 abbreviated settlement with recourse 9 Drawee s failure to pay the check Re. 3.1e The service is not available in outlets which prior to the merger of Kredyt Bank S.A. with BZ WBK S.A. were branded as Kredyt Bank S.A. PLN the cost of third party banks 0.15%; min PLN 150; max. PLN costs accrued by the issuing bank and by the intermediating banks PLN 40 + costs accrued by the issuing bank and by the intermediating banks PLN 60 + costs accrued by the issuing bank and by the intermediating banks PLN 30 + costs accrued by the issuing bank and by the intermediating banks TABLE 2 Applies to accounts listed in part 1, chapter 4, table 2 and in part 2, chapter 1, tables 2 and 3, chapter 4. Rate 1 Incoming international transfers (in the form of MT 103 message) 1.1 STP (SEPA) PLN pension and disability benefits transferred from abroad PLN STP - plus PLN NON-STP PLN 20 NOTE: In the case of incoming payment orders (when funds are lodged to BZWBK account), the fees listed in item 1) are not applied to transactions where BZWBK costs are covered by the ordering party 2 Outgoing international transfers (in the form of MT 103 message) 2.1 effected via e-banking services: 19

20 Rate 2.1a STP (SEPA) PLN b STP-plus PLN c NON-STP 0.25% min PLN 40 max. PLN effected in a BZ WBK Branch 0.25%; min PLN 40, max. PLN Express mode (applies to all channels express transfer always processed under NON-STP mode) 0.50% min PLN 80 max. PLN Additional fees and charges to the outgoing payment orders Outgoing international transfer with OUR cost clause 3.3a for transfers in the amount representing the equivalent of EUR 1000 or less PLN b for transfers in the amount representing the equivalent of EUR 1000 or more PLN 90 4 Producing/ dispatching a copy/ excerpt from a document concerning a transaction (including SWIFT confirmation) at the request of a Customer or an authorised Payer. Fee on each page of a printout or each document, at the document issuing moment. PLN 10 5 International transfer in accordance with the Payer s instructions PLN 100 The Payer s cancellation (annulment) of an international outgoing transfer effected by the Bank the cost of third party banks are always borne by the Payer. 6 Amendment or supplementation of an international outgoing transfer effected by the Bank the cost of third party banks are always borne by the Payer. PLN the cost of third party At the Customer s request: banks - searching for inflow - tracking a payment transaction effected more than 13 months ago - recovery of funds in the case when the Payer provides incorrect IBAN of the Recipient 7 Return of an international outgoing transfer effected by the Bank PLN 50 + (regardless of the collected 8 Fee for costs requested by an international bank due to non-fulfilment of STP requirements 9 Cheque encashment Note: 1. cheques are encashed only if the cheque drawer has an account with BZ WBK 2. In the case of checks payable at the same bank and in the same currency, collected from one presenter on one list the fee is collected on the total value of the cheques, in accordance with relevant brackets. 9.1 cheque collection 9.2 settlement with recourse 9.3 abbreviated settlement with recourse 10 Drawee s failure to pay the check CHAPTER VIII OTHER SERVICES third party banks) Equivalent of costs requested by a foreign bank 0.15%; min PLN 150; max. PLN costs accrued by the issuing bank and by the intermediating bank PLN 40 + costs accrued by the issuing bank and by the intermediating banks PLN 60 + costs accrued by the issuing bank and by the intermediating banks PLN 30 + costs accrued by the issuing bank and by the intermediating banks OPERATIONS RELATED TO MANAGEMENT OF BANK ACCOUNTS Rate 1 Cash lodgement: 1a to a bank account of a business entity held with BZ WBK 0.5%; min PLN 6 20

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