TARIFF OF FEES FOR SERVICES OF BANCA INTESA AD BEOGRAD

Transcription

1 Date of publication 03/02/2012 Date of application 18/02/2012 TARIFF OF FEES FOR SERVICES OF BANCA INTESA AD BEOGRAD Banca Intesa ad Beograd Regionalni centar Novi Sad, Bulevar Mihajla Pupina br.4, Novi Sad; telefon: +381 (021) , fax +381 (021) ;

2 GENERAL PROVISIONS Fees shall be collected for the services Banca Intesa ad Beograd (hereinafter: the Bank) provides in the country and abroad on the basis of banking operations, the level of which shall be determined in accordance with market business conditions, as well as depending on the transaction risk level, for the purpose of covering actual expenses of performed banking services and realized income on that basis. Tariff Tariff line level line No Service type Contents 1. Domestic operations for Legal entities 3 2. International payments for corporate 5 3. Project and special financing, guarantee and documentary operations, 7 financial institutions and economic products 4. Loans for Legal entities Fees for other operations Broker operations Retail fees Banca Intesa AD Beograd ON line Payment cards Safe deposit boxes OTHER PROVISIONS 24 2

3 1 Domestic operations for Legal entities Non-cash payment operations Transfer and collection orders Order type A Internal orders B Clearing orders before 1:00 p.m. 1) C Clearing orders after 1:00 p.m. 2) D RTGS orders before1:00 p.m. 1) E RTGS orders after 1:00 p.m. 2) Min. RSD 15 RSD 25 RSD 35 RSD 45 RSD 80 of the order RSD Max. 1,000 RSD 4,000 RSD 6, Orders crediting the Bank's account 50 cheaper than the rate in paragraph 1.1.1* Orders created through the use of VISA Business Electron payment card 40 cheaper than the rate in paragraph 1.1.1* A. internal orders fix RSD 15; order than the B.; C.; Electronic orders (in house software) D.; E. 40 cheaper than the rate in paragraph 1.1.1* Electronic orders (through intermediary service centers) 20 cheaper than the rate in paragraph 1.1.1* Electronic orders crediting individuals current accounts in BIB No fee Internal orders between the accounts of the same legal person No fee * Note: The discount is not calculated for the minimal amounts of the commission. 1.2 Cash payment operations Deposits Min. Max Deposits on the bank account RSD Deposits crediting the account that had total deposits of > RSD 1,000, in the previous month RSD Deposits crediting the account that had total deposits of > RSD 5,000, in the previous month RSD Deposits crediting the account that had total deposits of > RSD 10,000, in the previous month RSD 25 per order Deposits on the account in another bank RSD Withdrawals RSD withdrawals in coins RSD Withdrawals on the Bank ATMs using ISA business electron payment cards 40 cheaper than the rate para Withdrawals on the ATMs of another banks by using VISA business payment cards RSD POS terminal withdrawals RSD Change of effective foreign currency for smaller or bigger denominations RSD Change of the damaged banknotes RSD

4 1.3 Other fees Fee description Amount 1-3 change per month RSD 195 per month Account 4-20 change per month RSD 295 per month maintenance change per month RSD 395 per month Over 100 change per month RSD 495 per month Issuance of archive statement RSD RSD 20 per page Certificate Certificate issuance upon special request of the issuance client RSD Final order execution certificate issuance RSD 100 Electronic service in house software activation RSD Electronic service through intermediary service centres (Halkom) activation RSD (reader and card) RSD (supplement card) Utilization of Electronic service in house No fee software Fees on E Utilization of Electronic service through banking RSD per month intermediary service centers Replacement of damaged smart card or card destroying fee RSD Replacement of damaged smart card reader or card destroying fee RSD Withdrawal of the collection basis RSD per basis Account closing at client's request RSD Fees on SMS banking SMS request For TELENOR network users RSD For MTS network users RSD For VIP network users RSD 7.08 * Tariff rate calculation and collection for domestic payment operations is effected every 10 th, 20 th and last day in a month (except for the fees marked as monthly or upon request) 1) Orders received before 13,00 p.m, processed until 14,00 p.m. 2) Orders received after 13,00 p.m, processed until 16,00 p.m. 4

5 2 International payments for corporate 2.1 Remittances Min amount Max Nostro remittances From F/X accounts RSD ,2 RSD Nostro remittances submitted by 10 discount on tariff rate Nostro remittances (payments from the account of purchased fx money), sales of fx money from bank s potentials for inter-bank transfers in the country and sales of fx money from bank s potentials intended for settlement of liabilities for loans and L/Cs Order up to 50, Order over 50, Nostro remittances on the order of domestic Legal entities in the currencies that are not the subject of purchase and sale on the inter-bank foreign exchange market RSD 1,000.00, From 0.08 to 3 Tariff rate is subject to the agreement Up to Nostro remittances in favor of non-resident accounts in the Bank RSD Nostro remittances in RSD in favor of clients of other 0.4 RSD 800 domestic banks RSD Clients who effect more remittances at the same time, in favour of the same foreign partner, the fee shall be calculated according to the total amount of remittances Inquires and requests for cancellation or amendment of payments RSD actual foreign bank expenses EUR nostro remittances with charging options OUR Up to 5.000,00 RSD 1.050, , ,00 RSD 1.350, , ,00 RSD 2.100, Above ,01 RSD 3.650, Other FX nostro remittances with charging options OUR RSD 1650, Loro remittances Remittances from abroad (loro) No fee Loro remittances from Kosovo and Metohija (pay out in rsd RSD 800 0,1 counter value prior to the due date of payment from the NBS) 0, Loro remittances on the basis of inflows from non-resident accounts in RSD RSD 800 0,05 RSD Conditional remittances Conditional payments up to EUR RSD ,3 RSD Conditional payments from EUR ,01 to ,25 RSD Conditional payments over EUR ,20 RSD Collection of foreign cheques 1,5 + actual foreign bank expenses 2.3 Transfers Inter-bank transfers in the country drawn from FX accounts RSD ,3 RSD Purchase, sale and lease of real estates Transfers for purchase, sale and lease within BiB RSD 800 0,1 RSD Transfers for purchase, sale and lease to other domestic banks. RSD ,2 RSD Inquires and requests for reimbursement or amendment of transfers RSD Cash money and business trip expenses Withdrawal of cash money as advance for business trip RSD Final calculation related to business trip transfer within BIB RSD Final calculation related to business trip transfer to other domestic bank RSD Placement of effective money on account RSD 500 0,2 RSD Placement of effective money for capital increase and founding investment RSD Non-residents Opening of accounts No fee Opening and keeping of earmarked fx accounts RSD Placement of cash money RSD 500 0,2 RSD Effective Withdrawal of cash money as advance for money business trip RSD Withdrawal of cash in RSD RSD 800 0, Nostro remittance abroad RSD ,2 RSD

6 2.5.5 Loro remittance from abroad No fee RSD payments in the country up to RSD ,00 RSD RSD payments in the country over RSD ,00 RSD ,15 RSD Payments and transfers in foreign currency in favor of clients of other domestic banks RSD ,3 RSD Money transfer within the bank RSD Embassies Opening and keeping of accounts No fee Effective money Placement of cash money RSD 500 0,1 RSD Withdrawal of cash money in foreign currency RSD 500 0,2 Withdrawal of cash money in RSD (limit RSD 500 0,1 RSD) International payments RSD 800 0,15 RSD Loro remittance from abroad No fee Domestic payments Payments in favor of bank clients RSD RSD payments in favor of clients of another domestic bank RSD 800 0,15 RSD Payments and transfers in foreign currency in favor of clients of other domestic banks RSD ,2 RSD Tariff rate for banks Min. of amount Max Incoming payments received from foreign banks with charging option OUR 5 0, Incoming payments from domestic banks with charging option OUR RSD ,1 RSD Inquires, amendments and requests for cancellation received from foreign banks Inquires, amendments and requests for cancellation received from domestic banks RSD Transfer of incoming payment in favor of legal entity, client of another domestic bank RSD ,1 RSD Transfers by order of domestic banks RSD Transfer of incoming payment in favor of private individual, client of another domestic bank RSD 200 0,1 RSD Other operations Min. of amount Max Sending of Swift MT 940 for client s account RSD per month Sending of Swift order copy upon client s request RSD Issuance of confirmations upon client s request RSD Sending of statements copy upon client s request RSD Sale of foreign currency from bank s potentials for the settlement of liabilities in relation to the credit cards Sale of foreign currency from bank s potentials for the settlement of liabilities in relation to the fx loan 0.2 6

7 3 Guarantee and documentary operations, financial institutions and economic products D o c u m e n t a r y c o l l e c t i o n (collection operations) sending documents for collection receipt of documents on collection basis SB SME L Min from amount Max RSD RSD document delivery without payment RSD obtaining acceptance RSD amendment of collection intructions RSD collection with protest of bills RSD protest costs collection of other securities RSD mail handling fee (transport document addressed to the Bank) RSD RSD RSD D o c u m e n t a r y l e t t e r s o f c r e d i t Min from amount Max Import (nostro) L/Cs a) L/C application processing fee RSD RSD opening irrevocable covered L/C RSD opening irrevocable uncovered L/C RSD opening standby L/C the fee shall be calculated as in the case of guarantee operations (according to Tariff Line 3.3) Changing the L/C conditions Increasing the L/C am the fee shall be calculated according to Tariff Line ount or validity period Other changes* RSD Checking of Documents* RSD per document set Documents accepted with discrepancies 100 eur per document set L/C settlement the fee shall be calculated according to Tariff Line Obtaining L/C confirmation** Fee for the consignment activities* (transport document addressed to the Bank) RSD , Export (loro) L/Cs Notification * RSD RSD , Changing the conditions Increasing the value the fee shall be calculated according to Tariff Line RSD 5, fixed Other changes* RSD Document review* 0.25 per document RSD set Sending documents without checking* RSD Confirmation * RSD , Transferring L/C to another client* RSD , Prechecking * RSD , For L/C collection Other Other consulting services RSD the fee shall be calculated according to Tariff Line depending on the time spent with the client - min. RSD Translation services RSD per page Urgent requests (execution within 24h) RSD SWIFT charges RSD Cancellation of the letter of credit*** RSD SB SME L 7

8 Nostro RSD and FX guarantees and bill 3.3 guarantees Min. from amount Max. (in domestic payment operations) Application processing fee FX guarantees RSD ,15 RSD RSD guarantees and bill guarantee in domestic payment operations* RSD ,1 RSD Tender guarantee Issuing 100 covered guarantee FX guarantees* RSD RSD guarantees* RSD Issuing uncovered guarantee FX guarantees* RSD RSD guarantees* RSD Other guarantees Issuing 100 covered guarantee FX guarantees** RSD RSD guarantees** RSD Issuing uncovered guarantee FX guarantees** RSD RSD guarantees** RSD Bill guaranteeing (avals) in domestic payment operations Uncovered** RSD covered** RSD Issuing counter guarantee, with commission, according to the Tariff lines for the issuing 0.5 guarantees shall be charged additionally** Changing guarantee conditions Increasing guarantee value* Changing other guarantee conditions* Guarantee transfer to new beneficiary* Documentation checking upon protesting nostro guarantee FX guarantees* RSD RSD guarantees* RSD Consulting services (preparation of draft guarantee text, analysis of commercial agreement and other)* Translation services on clients request* RSD per page Urgent requests (execution within 24h)* RSD Providing statements and certificates along with guarantees and/or providing letters of intent for guarantees FX guarantees* RSD RSD guarantees* RSD SWIFT charges* RSD Cancellation of the fx guarantee *** RSD The fee shall be calculated according to Tariff Line for guarantee issuance (depending on the type of guarantee)+ request processing fee according to Tariff Line3.3.1 RSD request processing fee according to Tariff Line ,1 of the amount protested 0,1 of the amount protested RSD RSD depending on the time spent with the client - min. RSD 5,

9 Note: Authentication of signatures on the guarantees and documents related to the guarantees sent directly to the client* RSD *One-off collection. ** Collection on a quarter basis. Every beginning of the quarter period shall be calculated as a whole period. If the maturity in the last quarter (except for liabilities lasting only one quarter) is shorter than 30 days the fee shall be calculated for 1/3 of the quarter. *** Charged in case that the client is provided with the draft of the lc of fx lg andbut the lc or fx lg has never been issued through Banca intesa Beograd: Note: Actual costs shall be charged against all operations, including foreign Bank confirmation costs.. All fee related to L/Cs and inkaso operations shall be calculated when executing orders, and collected 5 days after the date of calculation.. Fee related to nostro L/Cs calculated quarterly shall be collected at the beginning of each quarter.. In cases when L/C has been used partially or as entirety for any reason, the collected fee shall not be returned. As for L/Cs with deferred payment fee shall be calculated till the maturity date. 3.4 Loro g u a r a n t e e s Min from amount Max 0.1 of the guarantee value, min RSD 5, Notification i change notification if the guarantee value (EUR 50 if at the originator's expense) increases max. 60,000 (EUR 500 if at the originator's expense) Change notification - other changes RSD 4.000(EUR 35 if at the originator's expense) Forwarding to another bank RSD 5.000(EUR 50 if at the originator's expense) Protest (preparation and realization) RSD ,2 RSD of the amount protested SWIFT charges RSD Issuing guarantee on the basis of foreign bank counter guarantee Up to 2 p.a. of the guarantee value min RSD 11,000 (EUR 100 if at the expense of the foreign bank / originator) 3.5 R a t e f o r f o r e i g n b a n k s (loro accounts) Account maintenance Account balance certificate at foreign bank request, in addition to regular notification Replies to inquiries on account debit/credit: older than 3 months older than 12 months Payments in favor of financial institutions 5,00 Payments in favor of other persons where it is stated that of the Min the originator bears expenses (OUR) amount Max EUR * The Bank may charge an account in case the Bank of the funds beneficiary or its intermediary bank sends a request for collection of their expenses. In case of RSD payments, the account shall be charged also for the amount of tax for certain transactions in accordance with the Law on Payment Operations Request for payment order revocation after its execution Changes after the payment has been executed * The fees shall be charged in the currency in which the account is maintained and shall represent equivalents of the fees expressed in EUR

10 3.6 O t h e r o p e r a t i o n s authentication of signatures on the documents sent directly to the client RSD authentication of client s signatures at foreign bank request issuing opinion on foreign bank solvency RSD issuing opinion on client solvency at foreign bank request issuing certificates at client request RSD issuing certificate at non-client request RSD sending SWIFT order copies at client request RSD research expenses (data and information collection) RSD * Note: The fee for performing the operations mentioned in Tariff Line 3.6. in concrete case shall be determined depending on the time spent with the client. Special provisions: Besides the fee, the Bank shall also collect actual telecommunication expenses as well as the expenses of foreign banks. 10

11 4 Loans Loans for Legal entities SB SME i L fee for processing and realization of loan application * For short-term loans:0-2 For long-term loans: 0-3, min EUR 15 FOR 100 SECURED LOANS) For short-term loans:0.5,min RSD1.000(for RSD loans);min EUR 20(for fx loans) For long-term loans: 1,min RSD5.000(for RSD loans);min EUR 100(for fx loans) fee for processing request for changing loan conditions In case of increased loan amount the tariff rate as in 4.1.1,and for other changes RSD fixed Commission for unused part of the loan - commitment fee (only for long-term loans)* Up to 0.5 p.a. for the unused portion fee for early loan repayment-(only for long-term loans)* Up to 2 on the amount repaid early MONITORING FEE * 1 PER ANNUM (AT THE BEGINNING OF THE BUSINESS YEAR ON THE AMOUNT OF DEBT BALANCE) 4.2. PROJECT AND SPECIAL FINANCE** Fee for processing and realization of loan application Fee for processing request for changing loan conditions do 1 min RSD (za RSD loans); min EUR 100,00 (for fx loans) In case of increased loan amount the tariff rate as in 4.2.1,and for other changes RSD fixed Commitment fee Up to 2 p.a. for the unutilized portion Prepaymet fee Up to 2 on the prepaid amount Monitoring fee Up to 1 p.a Arrangement fee Up to Security agent fee Up to 0, Risk participation fee By arrangement NOTE: FEES FOR STANDARD PRODUCTS ARE DEFINED WHILE CREATING CREDIT PRODUCTS. *ONLY IN CASE IT IS DEFINED AS A REQUIREMENT BY THE DECISION OF THE COMPETENT DECISION- MAKING BODY ** FOR EACH ACTUAL PROJECT / SPECIAL FINANCING THE PARTICULAR FEE AND PCT OF THE FEE WITHIN THE GIVEN RANGE AS WELL AS THE MANNER OF CALCULATING OF THE SAME SHALL BE DETERMINED 5 Fees for other operations 11

12 expert opinions on the investment loan studies given by experts engaged outside the Bank commission operations in usage and repayment for which the Bank performs services for account of clients actual expenses interest is charged in the amount of 4 perc. points increased by the VAT preparation of daily statements of account No fee taking measures against debtor and guarantor in default RSD 100 per warning letter protest, complaint, execution and other measures actual expenses executing decisions of commercial and other courts and orders of other authorities for claim collection fee for assessment and check of investment projects actual expenses actual expenses, or according to the criteria determined by the Credit committee according to the agreement various services to clients (service for financial and accounting operations on the basis of loans and other) Settling sales agreement certificates arriving from the Central 0.20 on the market value of sales Securities Registry, Depository and Clearing House agreement certificates Settling sales agreement certificates arriving from the Central 0.1 on the market value of sales Securities Registry, Depository and Clearing House for the agreement certificates clients of the Brokerage Dealing Unit Registration of international credit operations (foreign borrowing transaction and foreign lending transaction) and registration of realisation of international credit operations with NBS Preparation of forms and registration of foreign borrowing transaction or registration of Realization or foreign borrowing transaction with NBS when the creditor is member of Intesa SanPaolo group Preparation of forms and registration of foreign borrowing transaction or registration of Realizations or foreign borrowing transaction with NBS when the creditor is not member of Intesa SanPaolo group Preparation of forms and registration of foreign lending transaction or registration of Realization or foreign lending transaction with NBS Delivery of Statements with regard to international credit operations registered with NBS ,00 RSD Per each transaction 5.000,00 RSD Per each transaction 3.000,00 RSD Per each transaction 1.000,00 RSD Per Statement Issuing of a document that is disclaimer of the Bank's right to an appeal according to the decision on deleting the pledge right 5.000,00 RSD Per document 12

13 6 Broker operations 6.1 Brokerage in trading shares at the Belgrade Stock Exchange: Revocation of trading order or depositing: RSD Brokerage in trading shares on the basis of takeover bid: 6.2 Brokerage in primary and secondary trading in debt securities (bills, bonds and other) the issuer of which is the Republic of Serbia, the NBS, municipality or other local self-government unit (calculated on transaction market value): 1 calculated on market value per transaction or sales agreement certificate 1 calculated on market value per transaction or sales agreement certificate RSD from RSD from , RSD , RSD , RSD , RSD , RSD , over RSD , Trading bonds for settlement of retail FX savings fee Series A2010-A2012 1, Series A2013-A2016 1,4 6.4 Trading debt securities of economic entities: fee Up to RSD From RSD , From RSD , Over RSD ,7 6.5 Issue agent operations entry in organised securities market, representation of shareholders at GMs, account administration and other Borrowing or mediation in borrowing securities 6.6 Operations that the Broker-Dealer Operations Service performs as member of the Central Securities Registry fee The fee shall be determined by an agreement between the Service or the Bank and the Client 1 calculated on the nominal value of securities opening securities account (client-natural person) RSD opening securities account (client-legal person) RSD opening deposit account RSD transferring securities from securities account held with one member of the Central Registry to security account of the same owner held with another member of the Central Registry RSD 500 (changing the depository) operations of transferring securities on the basis of gift agreements and other agreements RSD operations of transferring securities on the basis of valid court decisions and requests (inheritance, registering and deleting RSD prohibition of disposal) 6.7 Services that Banca Intesa provides in connection with opening and maintenance of special-purpose fx account for purchase or sale of fx savings bonds Opening special-purpose FX account Domestic legal person RSD 600 (collection shall be made at Foreign legal person FX transfers through the Banca Intesa account calculation shall be made upon execution of the entire purchase/sale order account opening) RSD 2000 (collection shall be made at account opening) Min Domestic legal person RSD 600 0, Foreign legal person RSD 300 0, Other expenses Fee for MT295, MT900 and MT910 electronic messages RSD per message transferring on the basis of valid gift agreements and other RSD per agreement agreements transferring on the basis of valid court decision on inheritance RSD 500 per successor 13

14 transferring on the basis of other valid decisions and other RSD 500 per owner rulings opening securities account RSD 300. per account Receipt of orders for subscription and payment of securities Min RSD 300 per order, 1, max 100, per order Actual expenses postage for all types of mail and transport expenses, SWIFT, telegram, telex, fax, telephone call expenses and other, expenses based on claims of other banks in the country involved in this transaction fees and expenses charged by foreign banks involved in the transactions based on this agreement; other outlays at service user request. * Note: The Central Registry, stock exchange and broker fees determined by bond purchase/sale order shall be collected in accordance with the Bond Purchase / Sale Agreement concluded with the broker. 7 Retail fees 7.1 RSD OPERATIONS Opening current account and RSD savings account No fee Maintaining RSD savings account No fee Maintaining current account: Basic account * RSD 125 per month »Intesa Hit«account ** RSD 300 per month maintaining blocked current accounts No fee Maintaining other types of current accounts*** No fee »Intesa Magnifica«current account ** RSD 400 per month Statement from current account One statement a month - no fee, each subsequent RSD a month Statement of purpose account for Farmers No fee Monthly fee, for sending to the home address confirmation of payment made electronically, at the request of client RSD Cash withdrawal from current and dinar account (for any reason) No fee Non-cash payments by transfer from current account and RSD savings account and cash payments to current Min of amount Max accounts of Legal entities transfer/payment by HIT/Intesa Magnifica current account owner up to RSD RSD transfer/payment by HIT / Intesa Magnifica current account owner over RSD ,2 RSD transfer/payment by other clients RSD 50 1 RSD payments of liquidity loans (by the founder) RSD 15 0,20 RSD transfer/payments on the basis of special arrangements concluded with Legal entities RSD 15 0,20 RSD Transfer / payment by owner of purpose account for Farmer No fee Issuing cheques according to retail current accounts up to 5 cheques per month No fee over 5 cheques per month RSD 5 per cheque Deposit/transfer to account No fee Withdrawal from cheques and other bank's savings account booklets 3 * Fee for maintaining of basic current account is charged from the available funds. According to A/C which are transmiting into Basic current account due to executing conciliation with clients, are not charged fee for maintaining of Basic current account. ** fee for maintaining Intesa Hit / Intesa Magnifica current account is charged against accounts which recorded financial transaction within the month. For Intesa Magnifica current account under financial transactions credit card s financial transactions are included. 14

15 ***Other types of current accounts are type 8 (students), type 10 (specific-purpose current accounts for Laki Keš, type 008 (specific purpose current account for farmers) **** Quota means unique amount for all credit lines against current accounts of citizens 7.2 FX operations Amount Opening and maintaining FX savings deposit No fee Deposit of FX cash to FX savings account No fee Conversion at request of the FX savings account holder for concrete payments (nostro remittance) * 0, for FX cash withdrawal ** No fee for withdrawal or transfer, at the owner's request*** 0, for payments of credit card expenditure No fee Withdrawals from FX savings In RSD **** No fee account in FX cash ***** No fee Non-cash payment from FX savings account crediting from Min. current account of legal person: amount Max client of Banca Intesa ad Beograd RSD RSD other clients RSD RSD Remittances Min. from amount Max Nostro remittances Nostro remittances ordered by natural persons RSD 400 0,6 RSD Nostro remittances to C&M RSD 400 0,8 RSD RSD Nostro remittances ordered by nonresidents on the account opened with the Bank. RSD RSD Nostro remittances ordered by nonresidents on the account opened with some other domestic bank RSD 400 0,8 RSD RSD Nostro remittances ordered by residents on the account opened with the Bank. RSD RSD Nostro remittances ordered by residents on the account opened with some other domestic bank RSD 400 0,6 RSD Inquires and requests for reimbursement or amendment of nostro remittance RSD actual foreign bank expenses Nostro remittances in Eur with option OUR for actual foreign bank expenses Up to 5.000,00 RSD From 5.000,01 to ,00 RSD From ,01 to ,00 RSD From ,01 RSD Nostro remittance in other currencies with option OUR for actual foreign bank expenses RSD Loro remittances Loro remittances while taking the party term foreign currency deposits of all terms No fee Up to 100 No fee Loro remittances from 100,01 to RSD 300 0,25 Over ,15 RSD Transfers within the country - Purchase, sale and lease of real estates, life insurance and clean transfer (among the own accounts) Min. from amount Transfers within the bank * RSD 800 0,2 RSD Transfers to other domestic banks RSD ,3 RSD Inquires and requests for cancellation or amendment of transfers RSD If client terms deposits on the grounds of concluded purchase agreement or lease agreement for min. 1 month, the fee is not charged Max. 15

16 7.5 FX operations Min Issuing of traveler s cheques 1, Purchase of effective FX banknotes no fee from amount Sales of effective FX banknotes no fee Change of effective FX banknotes for smaller or bigger denominations RSD 80 0, Change of damaged effective FX banknotes RSD Depositing and pay-off of loro cheques from FX saving deposit Banking cheque RSD 300 1, Traveler s cheque RSD 300 1, Pension cheque RSD 300 0, Private cheque RSD Purchase of loro cheques through exchange operations RSD 300 1, Collection of inkaso cheques RSD real expenses 7.6 Tariff rates for foreign banks Min. from amount Max Inflows when the ordering party covers expenses 5 0,1 100 *If client wants that the remittance is effected in the currency that he/she does not have at his FX savings deposit (conversion for nostro remittance is carried out according to purchase exchange rate of the BIB exchange list). ** If client wants that withdraw effective FX banknotes in the currency that he/she does not have at his FX savings deposit, and Bank cannot perform it (conversion is performed applying mid exchange rate of the NBS exchange list) *** If client wants that the payment off is effected in the currency that he/she does not have at his FX savings, or coverts FX within FX savings deposit from one currency to another (conversion is performed according to purchase exchange rate of the BIB exchange list) **** Amounts of RSD Paying-out transactions, exceeding RSD are to be announced to the branch at least 24 hours in advance *****Amounts of effective FX banknotes, exceeding EUR or counter value of this amount in other currency, are to be announced to the branch at least 24 hours in advance; amounts exceeding EUR should be announced 3 days before. 7.7 Tariff rates regarding securities Min. from amount Max Opening and keeping of dinar and FX specific purposes accounts of securities Clients of BIB Brokerage Dealing Unit no fee Clients of other brokerage institutions RSD Cash balancing fee trading with bonds Clients of BIB Brokerage Dealing Unit * RSD 20 0, Clients of other brokerage institutions * RSD 20 0, Cash balancing fee trading with bonds * 0, Over-the-counter-sale of Old FX savings bonds trading 0.9 * calculated according to the market value per transaction 7.8 L/G operations for natural entities Min. from amount Max Request processing fee P()900 RSD ,1* L/G for participation at tenders, public bids, public competition Issuing of L/G with 100 deposit 0,6* RSD Issuing of L/G without deposit 1* * collection is conducted on one-off basis Other L/G Issuing of L/G with 100 deposit 0,8** RSD Issuing of L/G without deposit 1,5** ** calculation and collection are conducted on quarter basis, after each three-month-period. Each started three-monthperiod is considered the whole Cancellation of L/G issuing request RSD ,1 *** Extension of validity date of the issued L/G RSD ,1*** Protest of L/G ( preparation and realization) 0,2*** *** from amount Max. 16

17 7.9 Retail Loans Loan application processing fee Sending warning notice to the loan user 100 RSD per warning notice Premature loans repayment fee contracts signed from the Client pays to the Bank premature repayment fee according to costs due to premature repayment, calculated on the basis of Law on Financial Services Users Protection, not above: 1 of premature repaid principal, if the period between premature repayment and agreed maturity is longer than one year 0,50 of premature repaid principal, if the period between premature repayment and agreed maturity is shorter than one year Premature repayment fee will not be paid when total premature repaid amount is equal or less than RSD, including all premature repayments for the previous Premature loans repayment fee contracts signed up to Request for change of the real estate that is the subject of the mortgage. months. On the basis on signed loan contract * 50 (in diner counter value, according to the mid exchange rate of the NBS on the payment day) * For the contracts signed up to , in case of precisely stated premature repayment fee the provisions of the signed contract have to be applied; Otherwise, if provisions of premature repayment fee refer to Tariff of fees, Tariff position has to be applied Other operations Amount Request for return of FX payment order upon execution Changes after the FX payment is effected, upon request of a client Return of inflow abroad upon the request of the ordering party 25 Liquidity cash balancing of current account, a vista and no fee term account Issuing of various confirmations RSD Blocking of accounts no fee Sending default warning notice RSD 200 per warning notice Canceling of partial and full amount term savings deposit, before expiry of the first term saving period No fee Issuing of confirmation - SWIFT message RSD Issuing of confirmations for the effected depositing of founding investment according to the order of non-resident. RSD 300 per confirmation Replacement of damaged RSD banknotes RSD Electronic banking for individuals 17

18 8.1 Banca Intesa Online Activation of Banca Intesa Online Free of charge Banca Intesa Online monthly fee Free of charge 8.2 SMS MO SMS For TELENOR network users RSD For MTS network users RSD For VIP network users RSD IntesaMob Activation of IntesaMob service Free of charge IntesaMob monthly fee* RSD 50 per month IntesaMob monthly fee for Intesa Magnifica current account users** Free of charge Non-cash payments for Intesa HIT current account users trough BIB On Line and / or IntesaMob services Non-cash payments for Intesa Magnifica current account users trough BIB On Line services The first 5 transactions per month free of charge, and the rest are charged according to the Tariff item 7.1 The first 5 transactions per month free of charge, and the rest are charged according to the Tariff item 7.1 * monthly fee will not be charged during promotional period which runs until the end of ** monthly fee will not be charged during period which runs until After that period, monthly fee for IntesaMob service will be charge in accordance with currently Decision on tariff of fees for services of Banca Intesa ad Beograd 9 Payment cards 9.1 Annual membership fee for basic card Dina debit card no fee Dina credit card no fee Dina debit international RSD 360 (30 montly) Maestro card no fee Maestro Pre-paid RSD 300 yearly Maestro Co Brand BIB-MTS RSD 360 monthly MC Standard Co Brand BIB-MTS RSD 200 monthly MC within current account bundle (Standard i Gold) no fee MC Standard RSD 200 monthly MC Standard Premium package (Standard + MC2 Standard) RSD 230 monthly MC Standard Affinity PKB* RSD 180 monthly MC Gold RSD 500 monthly MC Gold Premium paket (Gold + MC2 Gold) RSD 550 monthly MC Gold Affinity PKB* RSD 490 monthly Visa Eelectron Magnifica*** no fee Visa Electron no fee Visa Electron Affinity Paraolimpik no fee Visa Internet no fee Visa Classic RSD 200 monthly Visa Classic Affinity Paraolimpik RSD 160 monthly Visa Gold RSD 500 monthly AMEX Green RSD yearly AMEX Green Affinity LK* RSD yearly AMEX Gold** RSD yearly AMEX Blue RSD yearly AMEX Green with 100 deposit* RSD yearly 18

19 9.2 Annual membership fee for supplement card Dina debit card no fee Dina debit international 180 RSD (15 RSD montly) Maestro card no fee MC within current account bundle (Standard i Gold) no fee MC Standard RSD 100 monthly MC Standard Co Brand BIB-MTS RSD 100 monthly MC Standard Premium package (Standard + MC2 Standard) RSD 130 monthly MC Standard Affinity PKB* RSD 70 monthly MC Gold RSD 300 monthly MC Gold Premium package (Gold + MC2 Gold) RSD 350 monthly MC Gold Affinity PKB* RSD 280 monthly Visa Eelectron Magnifica*** no fee Visa Electron no fee Visa Electron Affinity Paraolimpik no fee Visa Classic RSD 100 monthly Visa Classic Affinity Paraolimpik RSD 70 monthly Visa Gold RSD 300 monthly AMEX Green RSD yearly AMEX Green Affinity LK* RSD yearly AMEX Gold** RSD yearly AMEX Blue RSD 900 yearly AMEX Green with 100 deposit* RSD 600 yearly 9.3 Fee for issuing Maestro Gift -Individuals RSD 200 one-off Maestro Gift -Individuals (at the request of legal person) RSD 100 one-off Dina Credit 6+30 RSD 500 *No membership fee is charged to MasterCard Standard and Gold Affinity PKB cards holders in first year of use. *No membership fee for the first year is charged to AMEX Green Affinity LK cards holders. * Users of American Express Green card payment with 100 deposit will be exempted from Annual fee in the first year of use **Amex Gold credit card users (main and additional users) with opened Intesa Magnifica current account 50 decrease of annual fee -.Change made by decision number IO/5/29/11 from ***Change made by decision number IO/4/31/11 from Blockade of the lost or stolen card, including replacement of lost or stolen card Dina debit card RSD Dina credit card RSD Dina Credit 6+30 RSD Dina debit international RSD Maestro card RSD Maestro Co Brand BIB-MTS RSD Maestro GIFT card RSD MC within current account bundle (Standard i Gold) RSD MC Standard RSD MC Standard Co Brand BIB-MTS RSD MC2 Standard RSD MC Standard Affinity PKB RSD MC Gold RSD MC2 Gold RSD MC Gold Affinity PKB RSD Visa Eelectron Magnifica* RSD Visa Electron RSD Visa Electron Affinity Paraolimpik RSD Visa Internet RSD Visa Classic RSD Visa Classic Affinity Paraolimpik RSD Visa Gold RSD AMEX Green RSD

20 AMEX Green Affinity LK RSD AMEX Gold RSD AMEX Blue RSD AMEX Green with 100 deposit RSD Request for new PIN AMEX Blue RSD AMEX Green RSD AMEX Green Affinity LK RSD AMEX Gold RSD AMEX Green with 100 deposit RSD Cancellation of a card utilization Debit cards No fee Credit cards No fee *Change made by decision number IO/4/31/11 from Urgent card production AMEX Green RSD AMEX Green Affinity LK RSD AMEX Gold RSD AMEX Blue RSD AMEX Green with 100 deposit RSD Other credit cards RSD Debit cards RSD E-commerce issuing membership fees Verify By Visa RSD MasterCard SecureCode Issuing fee for MasterCard SecureCode CAP (Chip Authentication Program) package (1 payment card reader) Monthly fee for MasterCard SecureCode CAP (Chip Authentication Program) service usage 1,000 RSD one-time fee Free of charge Fees Costs of sending notices in case of 60-day-default AMEX Green RSD AMEX Green Affinity LK RSD AMEX Gold RSD AMEX Blue RSD AMEX Green with 100 deposit RSD Costs of sending notices in case of 90-day-default AMEX Green RSD AMEX Green Affinity LK RSD AMEX Gold RSD AMEX Blue RSD AMEX Green with 100 deposit RSD 200 Transaction processing expenses Cash withdrawals at the counters of BIB Dina debit card no fee Dina credit card 3 (min RSD 150) 20

21 Dina Credit ( min RSD 100) Dina debit international no fee Maestro card no fee Maestro Co Brand BIB-MTS no fee MC within current account bundle (Standard i Gold) 3 (min RSD 150) MC Standard 3 (min RSD 150) MC Standard Co Brand BIB-MTS 3 (min RSD 150) MC2 Standard 3 (min RSD 150) MC Standard Affinity PKB 3 (min RSD 150) MC Gold 3 (min RSD 150) MC2 Gold 3 (min RSD 150) MC Gold Affinity PKB 3 (min RSD 150) Visa Electron Magnifica* no fee Visa Electron no fee Visa Electron Affinity Paraolimpik no fee Visa Classic 3 (min RSD 150) Visa Classic Affinity Paraolimpik 3 (min RSD 150) Visa Gold 3 (min RSD 150) AMEX Green 3 (min RSD 150) AMEX Green Affinity LK 3 (min RSD 150) AMEX Gold 3 (min RSD 150) AMEX Blue 3 (min RSD 150) AMEX Green with 100 deposit 3 (min RSD 150) *Change made by decision number IO/4/31/11 from Cash withdrawal abroad Maestro card 2 (min 2 eur) Maestro Co Brand BIB-MTS 2 (min 2 eur) Maestro Pre-paid 2 (min 2 eur) MC within current account bundle (Standard i Gold) 3 (min 3 eur) MC Standard 3 (min 3 eur) MC Standard Co Brand BIB-MTS 3 (min 3 eur) MC2 Standard* 3 (min 3 eur) MC Standard Affinity PKB 3 (min 3 eur) MC Gold 3 (min 3 eur) MC2 Gold* 3 (min 3 eur) MC Gold Affinity PKB 3 (min 3 eur) Visa Electron Magnifica** 2 (min 2 eur) Visa Electron 2 (min 3 eur) Visa Electron Affinity Paraolimpik 2 (min 3 eur) Visa Classic 3 (min 3 eur) Visa Classic Affinity Paraolimpik 3 (min 3 eur) Visa Gold 3 (min 3 eur) Dina debit international 2 ( min 3 eur) AMEX Green 3 (min 5 eur) AMEX Green Affinity LK 3 (min 5 eur) AMEX Gold 3 (min 5 eur) AMEX Blue 3 (min 5 eur) AMEX Green with 100 deposit 3 (min 5 eur) * the tariff refers to cash withdrawal at foreign banks counters, excluding the option to withdraw cash at ATMs abroad ** Cash withdrawals at ATM-s wihin the Intesa Sanpaolo Group without fee,change made by decision number IO/4/31/11 from Cash withdrawal at the ATMs of BIB Dina debit card no fee Dina credit card 3 (min RSD 60) Dina Credit (min RSD 100) Dina debit international no fee Maestro card no fee Maestro Co Brand BIB-MTS no fee 21

22 Maestro Pre-paid no fee MC within current account bundle (Standard i Gold) 3 (min RSD 90) MC Standard 3 (min RSD 90) MC Standard Co Brand BIB MTS 3 (min RSD 90) MC Standard Affinity PKB 3 (min RSD 90) MC Gold 3 (min RSD 90) MC Gold Affinity PKB 3 (min RSD 90) Visa Electron Magnifica* no fee Visa Electron no fee Visa Electron Affinity Paraolimpik no fee Visa Classic 3 (min RSD 90) Visa Classic Affinity Paraolimpik 3 (min RSD 90) Visa Gold 3 (min RSD 90) AMEX Green 3 (min RSD 150 ) AMEX Green Affinity LK 3 (min RSD 150) AMEX Gold 3 (min RSD 150) AMEX Blue 3 (min RSD 150) AMEX Green with 100 deposit 3 (min RSD 150) * Change made by decision number IO/4/31/11 from Cash withdrawal at the ATMs and counters of other domestic principals Dina debit card 2 (min RSD 90) Dina credit card 3 (min RSD 150) Dina Credit ( min RSD 100) Dina debit international 2(min RSD 90) Maestro card 2 (min RSD 90) Maestro Co Brand BIB-MTS 2 (min RSD 90) Maestro Pre-paid 2 (min RSD 90) MC within current account bundle (Standard i Gold) 3 (min RSD 150) MC Standard 3 (min RSD 150) MC Standard Co Brand BIB-MTS 3 (min RSD 150) MC2 Standard* 3 (min RSD 150) MC Standard Affinity PKB 3 (min RSD 150) MC Gold 3 (min RSD 150) MC2 Gold* 3 (min RSD 150) MC Gold Affinity PKB 3 (min RSD 150) Visa Electron Magnifica** 2 (min RSD 90) Visa Electron 2 (min RSD 150) Visa Electron Affinity Paraolimpik 2 (min RSD 150) Visa Classic 3 (min RSD 150) Visa Classic Affinity Paraolimpik 3 (min RSD 150) Visa Gold 3 (min RSD 150) * the tariff refers to cash withdrawal at domestic banks counters, excluding the option to withdraw cash at ATMs **Change made by decision number IO/4/31/11 from Expenses of processing unfounded complaints Expenses of processing unfounded complaints in the country RSD Expenses of processing unfounded complaints abroad 15 eur Payment cards for legal entities Annual membership MC Business for small business RSD MC Business RSD MC Business Affinity PKB No fee 22

23 Visa Business Electron No fee Visa Business Gold RSD *The tariff line is applied if the stated number of cards is activated in the same months Replacement of lost or stolen card, card replacement at the user's request MC Business RSD MC Business Affinity PKB RSD Visa Business Electron RSD Visa Business Gold RSD Fees Card blocking fee MC Business RSD MC Business Affinity PKB RSD Visa Business Electron RSD Visa Business Gold RSD Costs of the transactions processing Cash withdrawals at the counters of BIB MC Business 3 (min RSD 150) MC Business Affinity PKB 3 (min RSD 150) Visa Business Gold 3 (min RSD 150) Cash withdrawals abroad MC Business 3 (min 5 eur) MC Business Affinity PKB 3 (min 5 eur) Visa Business Electron 3 (min 5 eur) Visa Business Gold 3 (min 5 eur) Cash withdrawal at the ATMs of BIB MC Business 3 (min RSD 60) MC Business Affinity PKB 3 (min RSD 60) Visa Business Gold 3 (min RSD 60) Cash withdrawal at the ATMs of BIB and counters of other domestic principals MC Business 3 (min RSD 200) 23