Pricelist. Retail Banking

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1 Pricelist Retail Banking

2 Price list of retail banking Table of Contents: 1. Deposits and savings 3 2. Account access Debit cards Online banking Mobile banking 5 2.4** SMS services Manual services at branch In-store banking outlet Foreign currency 6 3. International transfers 6 4. Other fees, terms and conditions Account value-dating policies 7 5. Low-price cheaper and a bit faster 7 Price list effective as of

3 1. Deposits and savings Bank deposits Deposit account Current interest rate Current account Any amount No withdrawal limitations Savings account Deposits of less than NOK 100,000 Deposits of NOK 100,000 to 250,000 Deposits exceeding NOK 250,000 Maximum 12 withdrawals per year plus last year s accrued interest. 1 % withdrawal fee for additional withdrawals. Automatic payments of principal and interest on loans, as well as regular transfers to other savings products offered by DnB NOR are exempt from these limitations. Interest accrues on the collected balance. 0,15 % p.a. 0,75 % p.a. 1,80 % p.a. 2,00 % p.a. Security Deposit Accounts Deposits of less than NOK 100,000 Deposits exceeding NOK 100,000 Maximum 12 withdrawals per year plus last year s accrued interest. 1 % withdrawal fee for additional withdrawals. Automatic payments of principal and interest on loans, as well as regular transfers to other savings products offered by DnB NOR are exempt from these limitations. Interest accrues on the collected balance. 0,25 % p.a. 1,90 % p.a. It is illegal to overdraw the account, and overdrafts are charged 20% APR. Price list effective as of

4 2. Account access 2.1 Debit cards DnB NOR Visa w/programme DnB NOR Visa DnB NOR card DnB NOR Electron Annual fee NOK 250,00 NOK 275,00 NOK 200,00 NOK 200,00 Annual fee supplementary card NOK 250,00 NOK 275,00 NOK 175,00 NOK 200,00 Withdrawals from DnB NOR ATM NOK 0,00 NOK 0,00 NOK 0,00 NOK 0,00 (Monday-Friday, 8am-5 pm) Withdrawals from DnB NOR ATM NOK 0,00 NOK 5,00 NOK 5,00 NOK 5,00 (outside banking hours) Withdrawals from other banks' ATMs NOK 7,00 NOK 7,00 NOK 7,00 NOK 7,00 Withdrawal of foreign currency from NOK 20,00 NOK 20,00 NOK 20,00 NOK 20,00 DnB NOR ATM Purchases in Norway and abroad NOK 0,00 NOK 2,50 NOK 2,50 1 ) NOK 2,50 2 ) Visa withdrawals in Norway from other NOK 25,00 NOK 30,00 NOK 30,00 banks ATMs Visa withdrawals abroad NOK 25,00 NOK 30,00 NOK 30,00 3 ) Emergency card abroad NOK 0,00 NOK 300,00 Replacement card 4 ) NOK 0,00 NOK 0,00 NOK 0,00 NOK 0,00 1) Applies to purchases in Norway only 2) Applies to online terminals only 3) Applies to withdrawals in ATMs only 4) Applies if ordered online. If ordred at branch: 200. For purchases abroad, a conversion fee of 1.75 % will be added to the above-mentioned fees. Amounts will be converted to Norwegian kroner. Annual fees charged for DnB NOR Visa and DnB NOR Card will not be refunded if the card is cancelled. Withdrawals of foreign currency in other banks ATMs (fee varies depending on the bank). 2.2 Online banking Loyalty programme customers Other customers Start-up and monthly fee NOK 0,00 NOK 0,00 Electronic payment w/kid, each payment NOK 0,00 * Electronic payment w/o KID, each payment NOK 0,00 * NOK 3,00 Transfer between own DnB NOR accounts NOK 0,00 NOK 0,00 Cash advance from MasterCard to account 1 % of amount transferred 1 % of amount transferred Receipt sent by mail NOK 10,00 NOK 10,00 Brokerage accounts Start-up fee NOK 0,00 NOK 0,00 Monthly fee NOK 0,00 NOK 0,00 Lost or damaged code device, re-ordering NOK 100,00 NOK 100,00 Insufficient funds notice NOK 7,00 NOK 7,00 Telephone bank Loyalty programme customers Other customers Each call NOK 0,00 NOK 1,00 Balance inquiry, other accounts NOK 0,00 NOK 0,00 Latest transactions NOK 1,00 NOK 1,00 Transfer between own DnB NOR accounts NOK 0,00 NOK 0, Mobile banking Loyalty programme customers Other customers Domestic payment w/kid NOK 0,00 * Domestic payment w/o KID NOK 0,00 * NOK 3,00 Transfer between own DnB NOR accounts NOK 0,00 NOK 0,00 Price list effective as of

5 2.4** SMS services Loyalty programme customers Other customers Service Balance inquiry NOK 1,00 NOK 3,00 Account summary NOK 1,00 NOK 3,00 Balance inquiry - MasterCard NOK 1,00 NOK 3,00 Transfer - MasterCard NOK 1,00 NOK 3,00 Transfer between own DnB NOR accounts NOK 1,00 NOK 3,00 Family and friends payments NOK 1,00 NOK 3,00 Investment funds NOK 1,00 NOK 3,00 efaktura, initialise NOK 1,00 NOK 3,00 efaktura, approve NOK 1,00 NOK 3,00 Contact information NOK 0,00 NOK 0,00 SMS help NOK 0,00 NOK 0,00 SMS notifications Statements in electronic mailbox Interest rate changes in electronic mailbox Incoming and outgoing payments in electronic mailbox Incomplete payment in electronic mailbox Account closure notification in electronic mailbox Balance threshold Insufficient funds Direct deposits International payments Account activity MasterCard efaktura received *Remember the limitation of 12 withdrawals per year for savings accounts. **Fees paid to phone company not included. 2.5 Manual services at branch Establishing and maintaining a security deposit account NOK 800,00 Bill/giro paid cash at counter NOK 75,00 - without recipient account NOK 125,00 Deposits to charitable accounts NOK 0,00 Purchase of - gift cheques/bank draft NOK 50,00 - coin rolls, per roll, DnB NOR account holders NOK 3,00 - coin rolls, per roll, non-dnb NOR account holders NOK 10,00 Cashing of - Giro, credit transfer NOK 75,00 - Cheque/bank draft drawn on DnB NOR NOK 0,00 - Cheque/bank draft drawn on other banks NOK 100,00 Cash deposit to - Own account through teller or machine NOK 0,00 - Another DnB NOR account NOK 75,00 Cash withdrawals - Over-the-counter from own account NOK 0,00 - Over-the-counter from non-dnb NOR account NOK 100,00 Account closing - Cash payment to customer NOK 0,00 - Transfer to other bank NOK 75,00 Counting coins - DnB NOR account holders NOK 0,00 Transfers between own accounts at DnB NOR - Without written confirmation NOK 10,00 - With written confirmation NOK 10,00 Transfer to other DnB NOR accounts NOK 75,00 Returned payment due to insufficient funds NOK 65,00 Cheque. Bank draft. Giro credit transfer deposited to account NOK 0,00 Returned, not cashed giro credit transfer NOK 50,00 Price list effective as of

6 2.6 In-store banking outlet Withdrawal using card NOK 0,00 Withdrawal not using card NOK 0,00 Deposit NOK 0,00 Bill/giro paid using DnB NOR card* NOK 35,00 Bill/giro paid, non-dnb NOR account holders NOK 75,00 Cashing of giro, credited to DnB NOR account NOK 0,00 Cashing of giro, paid in cash to DnB NOR account holder NOK 0,00 Cashing of giro, paid in cash to non-dnb NOR account holder NOK 35,00 *Customer is identified by swiping card through the store payment terminal 2.7 Foreign currency Cashing travellers cheques Purchasing foreign currency purchased from DnB NOR not purchased from DnB NOR, per cheque NOK 0,00 NOK 20,00 NOK 50,00 3. International transfers Transfers to other countries Electronic Paper based To accounts using IBAN and BIC (low cost) 1 ) To account To account express To recipient without account/cheque (PUPID) NOK 30,00 NOK 60,00 NOK 300,00 NOK 160,00 NOK 400,00 NOK 260,00 Additional services (in addition to ordinary fees) Electronic Paper based Additional fee when sender pays fees abroad Correcting inaccurate requests 2 ) Fax/additional notice NOK 135,00 NOK 75,00 NOK 135,00 NOK 150,00 Other services Electronic Paper based Returned payments due to inaccurate/insufficient information NOK 10,00 NOK 10,00 Mistake by customer leading to claim (including stop payment) 3 ) NOK 300,00 NOK 300,00 Additional notice to recipient 4 ) NOK 25,00 NOK 25,00 1) Funds must be transferred in euro, the receiving country s currency or NOK. See items for a list of IBAN and BIC countries Option for expenses should be: shared sender/recipient 2) Fee for transfers missing BIC (SWIFT code) for receiving bank. 3) Any charges incurred at other banks are not included. 4) Applies if section notice to recipient has more than four lines of 35 characters (numbers and letters) International incoming payments To account, amounts of less than NOK 5, ) To account, amounts exceeding NOK 5, ) Electronic NOK 50,00 NOK 100,00 Purchase of international cheque in NOK or foreign currency Paper based To account, amounts of less than ) NOK 75,00 To account, amounts exceeding ) NOK 150,00 Additional services Fax/additional notice NOK 150,00 Cheque for collection through foreign bank 3 ) NOK 350,00 Honoured cheque returned from foreign bank 3 ) NOK 100,00 1) The fee is NOK 0.00 for transfers with IBAN and BIC performed in euro or Swedish kronor that meet EU directive 2560/ ) Includes returned international cheques issued by DnB NOR. There is a fee of NOK for amounts below NOK ) Any charges incurred at other banks are not included. Price list effective as of

7 4. Other fees, terms and conditions Paper copies and printouts Copy of voucher each copy (in addition to BBS /other banks fees) NOK 60,00 Additional fee for faxing in Norway NOK 50,00 abroad NOK 150,00 Regular statements/year-end summary NOK 0,00 Copy of statements/year-end summary, each copy NOK 60,00 Copying, each copy NOK 60,00 Safe deposit boxes Lost safe deposit box keys NOK 500, Account value-dating policies Rules apply to withdrawals and deposits of cash over-the-counter, deposits at automated machines and transfers. Same day deposit until 1.30 p.m. (cut-off) for both debits and credits. After that time, the value date is set to the next business day or calendar day according to the table below: Transaction Debit/credit Before cut-off After cut-off Withdrawal Debet Same day Next business day Fee Debet Same day Next business day Cheque Debet Same day Same day Deposit Credit Same day Next calendar day Transfer Debet Same day Next business day 5. Low-price cheaper and a bit faster The list shows countries and currencies for which the Low-price option can be used. Requirements and transfer time: Instructions must include the IBAN and BIC the payee s international bank account number and the receiving bank s BIC. The transfer must be in the currency of the receiving country or in euro. The transfer time is one banking day faster than that of an ordinary payment (Exceptions: HRK, RON, TND, and TRY) Receiving country Currencies* IBAN length Receiving country Currencies* IBAN length Albania EUR 28 Andorra EUR 24 Austria EUR 20 Belgium EUR 16 Bosnia-Herzegovina EUR 20 Bulgaria EUR 22 Croatia EUR, HRK 21 Cyprus EUR, CYP 28 Czech Republic EUR, CZK 24 Danmark EUR, DKK 18 Estonia EUR, EEK 20 Faroe Islands EUR, DKK 18 Finland EUR 18 France EUR 27 Germany EUR 22 Gibraltar EUR, GBP 23 Great Britain EUR, GBP 22 Greece EUR 27 Guernsey EUR 22 Greenland EUR, DKK 18 Hungary EUR, HUF 28 Iceland EUR, ISK 26 Isle of Man GBP, EUR 22 Ireland EUR 22 Italy EUR 27 Jersey EUR, GBP 22 Latvia EUR, LVL 21 Liechtenstein EUR, CHF 21 Lithuania EUR, LTL 20 Luxembourg EUR 20 Macedonia EUR 19 Malta EUR, MTL 31 Mauritius EUR 30 Monaco EUR 27 Montenegro EUR 22 Netherlands EUR 18 Norway EUR 15 Poland EUR, PLN 28 Portugal EUR 25 Romania EUR, RON 24 San Marino EUR 27 Serbia EUR 22 Slovakia EUR, SKK 24 Slovenia EUR, SIT 19 Spain EUR 24 Sweden EUR, SEK 24 Switzerland EUR, CHF 21 Tunisia EUR, TND 24 Turkey EUR, TRY 26 *The transfer currency is the currency in which the payment is sent to the receiving bank. You select the transfer currency (separate field in the online banking form). If you want to use the Low-price option to pay an amount invoiced in NOK, simply specify the currency of the receiving country or euro as the transfer currency. Price list effective as of

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