General information about the bank

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1 GENERAL LIST OF PRICES AND SERVICES May 2014

2 General information about the bank I. Bank name and address Varengold Bank AG Große Elbstraße Hamburg Also referred to as "Varengold" or "bank" in the text below II. Communication with the bank The bank will inform you separately of the relevant address for the business relationship or other bank communication addresses. III. Competent supervisory authority Federal Financial Supervisory Authority (BaFin) Graurheindorfer Straße 108, Bonn BaFin registration number ( ) 100 IV. Entry in the commercial register Amtsgericht Hamburg, HRB V. Business days of the bank for payment transactions A business day is any day on which the payment service providers involved in the execution of a payment transaction conduct business as required for the execution of payment transactions. The bank conducts the business required for the execution of a payment transaction on all working days with the exception of: Saturday 24 and 31 December Regional public holidays in Hamburg Depending on the scope of the product in question, the bank makes every effort to execute payment orders outside business days, for example as part of online banking or cross-border payment transactions. - 2 Page 2

3 A. Prices for services for standard business transactions with customers Fee a) Settlement account / cash account Account management fee (monthly) Account currency EUR or USD Access to Varengold Banking Service (24 hours) b) Direct access savings account Account management fee (monthly) Account currency EUR Access to Varengold Banking Service (24 hours) B. Prices for services for standard business transactions with customers in Capital Markets Brokerage Fee Varengold Bank AG combines OTC, CFD and forex trading under the brand name "Varengold Bank FX" in the Capital Markets Brokerage (CMB) business area. Account management fee (monthly) EUR/USD 4.95* Account currency EUR or USD - 3 Page 3

4 The account management fee (lump sum) will not be charged: From a trading volume of at least one executed trade per month Free provision of the trading platform MT4 for PC, Mac and mobile devices Access to MY Varengold Portal at varengoldbankfx.com (24 hours) Daily transmission/delivery of an electronic bank statement by (if activity in account on previous day) Prices for services for standard business transactions with business customers Fee Account management fee (monthly) Account currencies Fee for the use of online banking* 2 EUR 30.00/month free of charge EUR, USD, AED, GPB, JPY, CHF, CAD, AUD EUR 30.00/month Electronic account statements in online banking portal* 2 Account closure fees* 2 50 in the first 6 months, otherwise free of charge Access to Varengold Banking Service (24 hours) - 4 Page 4

5 D. General services Fee Second transmission of account statements EUR/USD 4.95 in electronic format (by or fax) Transmission of account statements EUR/USD in a printed format by post* Tax report in accordance with 43a paragraph 3 clause 4 EStG in electronic format (for download / or transmission of PDF) Tax report in accordance with 43a paragraph 3 clause 4 EStG in a printed format by post EUR/USD 9.95 Additional copies of account statements in printed format by post* EUR/USD Balance confirmation* EUR/USD Income statement* EUR/USD Determination of a new customer address (excluding any postal and third party charges)* EUR/USD Allowance handling EUR/USD Other additional services Copy of accounting records* EUR/USD 9.95 Preparation of copies from 2006* EUR/USD 9.95 Preparation of copies until 2005 (archives)* EUR/USD E. Prices & services in payment transactions Fee 1. Bank transfers within the European Union / EEA participating states (SEPA) Internal transfers (electronic) Transfer within the EU in EUR (SEPA) (electronic) Transfer within the EU in EUR (SEPA) (by fax or informal transfer)* EUR/USD Transfer in foreign currency (USD, CAD, AUD, GBP, CHF, AED, JPY) * EUR/USD Sending of a Swift copy (SEPA) *2 EUR/USD Page 5

6 Request for investigation* EUR/USD Urgent transfer / express handling* EUR/USD Bank transfers within the European Union / EEA participating states (SEPA) are executed on the same day if the orders are submitted by 3 p.m. via online banking. 2. Cross-border bank transfers in international payment transactions Transfers outside the EU or EEA participating states* 1 EUR/USD Transfer in foreign currency (USD, CAD, AUD, GBP, CHF, AED, JPY) * EUR/USD Sending of a Swift copy* 1 EUR/USD Request for investigation* EUR/USD Swift transfer/express handling* EUR/USD F. Exchange rates (valid for paragraphs A, B, C, D of this document) For customer transactions in a foreign currency (such as incoming and outgoing payments), the reference exchange rate used by the bank for the purchase and sale of foreign currencies is based, unless otherwise agreed, on the bid or ask price determined at 1 p.m. (Hamburg time) on each trading day (settlement date) and published on its website (www.varengold.de/de/informatives/info-download/devisenkurse). Purchases and sales of foreign currencies which cannot be executed by the bank during the normal course of business by the settlement date are settled by the bank at the exchange rate on the next settlement date. The bid or ask price calculation takes into account the settlement date in the international foreign exchange market for the respective exchange rates for each currency. If the customer issues a transfer order in a currency other than the account currency, the account is nevertheless charged in the account currency. The exchange rate is determined as described above. Any change in the reference exchange rate used in the conversion procedure becomes effective immediately and without prior notice to the customer. G. Other fees (valid for paragraphs A, B, C, D, E of this document) Tolerated overdraft interest rate % p.a. * Depending on account currency *1 European Union member state: Belgium, Bulgaria, Denmark, Estonia, Gibraltar, Greece, Great Britain, Finland, France (including the overseas departments of Guadeloupe, Martinique, Réunion and French Guiana), Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, the Netherlands, Austria, Poland, Portugal (including the Azores and Madeira), Romania, Sweden, Slovakia, Slovenia, Spain (including the Canary Islands, Ceuta and Melilla), Czech Republic, Hungary and Cyprus. A transfer to Iceland, Norway and Liechtenstein is also a SEPA payment. Execution of a SEPA payment requires a full IBAN and a BIC/Swift code. If this data is not fully available, costs in the amount of EUR 15 are incurred because the transfer is executed as a cross-border payment *2 Depending on the account currency / conversion at day's exchange rate EUR / foreign currency For information on payments with electronic means of payment (credit card, PayPal, Moneybookers, etc.), please find the current fees at https://www.varengoldbankfx.com/de/unternehmen/kontakt/konto-aufladen/. - 6 Page 6

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