RATES AND CHARGES. Businesses. Applicable to customers at 1st February 2015 BANK AUDI FRANCE

Transcription

1 RATES AN Businesses Applicable to customers at 1st February 2015 BANK AUI FRANCE 1

2 1- STANAR EXTRACT OF PRICES VALUE Account maintenance fee Internet banking subscription Card fee for Carte Bleue Visa Nationale* Card fee for Carte Visa Premier* Withdrawal in euros from another eurozone operator's ATM with an international payment card Transfers in euros within the EEA Transfers in euros and foreign currency made abroad (outside the EEA***) by SWIFT 70/quarter or part thereof Totalling 280/year 100/year 260/year (1 SWIFT) (2 SWIFTS) Charge for Ss/SEPA transfers rejected for operational incidents Irregular transaction fee Concierge services charge capped at 20/charge and at 200/month 8/transaction 80 max./month 30/transaction * For each additional card issued on the same account: 50% of the card fee ** Withdrawals and payments made abroad (outside the eurozone) are converted into euros at the international inter-bank market rate on the date the transaction is processed by Visa plus commission of 3.50% *** EEA = Member countries of the European Economic Area 2- OPENING, OPERATING AN AMINISTERING YOUR ACCOUNT 2.1. OPENING, CLOSING AN CHANGING TYPE OF ACCOUNT Opening an account Closing an account 2.2 STATEMENTS OF ACCOUNT Monthly account statement Regular mailing of statements Annual charges summary 100/quarter + VAT 2.3 ACCOUNT MAINTENANCE Account maintenance fee 70 Overdraft fee* 2%0 (on the highest overdraft in the quarter) *Overdraft fees are included in the Annual Percentage Rate (APR) and are capped at half the debit balance interest charged Audit charges VAT Registering a change of address 5 BAF mail address service (per customer number) 600/year + VAT Issue of a French RIB or BIC/IBAN 5 2

3 2.4 IN-BRANCH SERVICES VALUE In euros Cash pay-ins Cash withdrawals Changing bank notes at market rates ± 1% "Mise à disposition" cash transfers 50 IN FOREIGN CURRENCY Cash pay-ins 1% Cash withdrawals 1% Changing bank notes at market rates ± 1% "Mise à disposition" cash transfers 50 OCUMENT PROVISION Photocopying charges 1 + VAT per page ocument recovery fees < 3 years/document 20 + VAT ocument recovery fees > 3 years/document 35 + actual costs Fax fees: - Europe 5 + VAT - Other 10 + VAT Registered post charges in France 10 Registered post charges outside France 20 SWIFT charges outside France 15/SWIFT HL charges: - Europe 60 + VAT - Other 80 + VAT OTHER SERVICES Certificate issue 100/certificate Company formation 450 "Attestation de blocage de capital" escrow certificate 50 irect debit bill payment charges 10/payment Information to guarantors 200/year Issue of a commercial certificate 200/certificate Company legal support 500/document Opening a probate estate 1 000/probate estate Concierge services 30/transaction 3- ISTANCE BANKING Internet banking subscription 4- YOUR PAYMENT MEANS AN METHOS 4.1 VISA PAYMENT CARS Card fee for Carte Bleue Visa Nationale* Card fee for Carte Visa Premier* Euro withdrawals from another eurozone operator's ATM with an international payment card Cash withdrawals using cards in banks accepting CB in France or VISA outside France** Card sent by special delivery Request for PIN number notification Card reissue/replacement fee 100/year 260/year P 5 + correspondents' fees Actual costs

4 VALUE Stoppage of card by the customer on grounds of loss, theft or fraudulent use (excluding card replacement fees) Card stoppage by the Bank on grounds of misuse * For each additional card issued on the same account: 50% of the card fee ** Withdrawals and payments made abroad (outside the eurozone) are converted into euros at the international inter-bank market rate on the date the transaction is processed by Visa plus commission of 3.50% 4.2 AMERICAN EXPRESS PAYMENT CARS Gold Card* annual fee 185/year Platinum Card* annual fee 590/year Centurion Card* annual fee 3,000/year Centurion Card** joining fee *An additional card can be issued on the same account free of charge All the other fees (sundry transactions, withdrawals and payments) that are also received by American Express appear in the American Express payment card general terms and conditions of use ** Fee paid only in the first year of subscription, in addition to the annual fee 4.3 BANK TRANSFERS OUTWAR TRANSFERS In euros in the EEA 15 In euros and foreign currency (outside the EEA*) by SWIFT SWIFT SWIFTS Transfer between customer numbers 5 Audi intergroup transfer 25 INWAR TRANSFERS Member countries of the EEA* P Countries outside the EEA P+1 8 * EEA = Member countries of the European Economic Area 4.4 IRECT EBITS Charge for Ss/SEPA transfers rejected for operational incidents charge capped at 20/charge and at 200/month Returned S/SEPA transfer 15/transaction 4.5 CHEQUES CUSTOMER CHEQUE BOOKS Charge for ordering a cheque book N/A ispatching a cheque book by post (registered ) 10 Sending a cheque book by special delivery 30 Stopping a cheque or a series of cheques 30 ISSUING A BANKER'S CHEQUE Issuing a postal cheque 25 + postage 4

5 VALUE PAYING IN CHEQUES IN EUROS In our branches +1 In the Metropolitan France + French overseas départments +3 (receipt deadline 12:00) French Overseas Territories +10 (receipt deadline 12:00) Other countries (Collection only): Europe P HL charges + correspondent's charges Other P HL charges + correspondent's charges Return of unpaid cheques ( Metropolitan France and P carriage/hl charges French overseas départments and territories) Return of unpaid cheques ( other countries) P-1 15 plus correspondent's fees plus carriage/hl IN FOREIGN CURRENCY In our branches +1 Metropolitan France (collection only ) : P postage Other countries (collection only) : Europe P HL charges + correspondent's charges Other HL charges + correspondent's charges 5- IRREGULARITIES AN INCIENTS IRREGULAR TRANSACTION FEE This is a fee charged for a transaction involving an irregularity in the operation of the account needing special processing (presenting an irregular payment order, wrong bank details, no or insufficient funds, etc.). Per transaction, up to a limit of 10 per month 8/transaction 80 max./month- 5.2 SPECIAL PROCEURES Handling "avis à tiers détenteur" or "opposition administrative" government agency seizure orders VAT Court "saisie conservatoire" or "attribution" attachment orders VAT Unauthorised overdraft notification letter 40 + postage 5

6 VALUE 5.3 PAYMENT INCIENTS Fee for returning cheque for lack of funds: Flat fee per cheque returned Flat fee per cheque returned > Information notice on cheques drawn without funds OVERRAFTS AN LOANS 6.1 TAKING OUT A LOAN Application fee 1%0 of the total of the loan Loan confirmation 1%0, min Annual loan administration fee 750 Loan documentation fee 500 Interest rate N/A As arranged Account maintenance fee N/A As arranged Peak overdraft fee N/A As arranged 6.2-SECURITY "Nantissement de fonds de commerce" floating charge actual costs Contract pledging funds on account actual costs Mortgage actual costs Contract pledging shares/negotiable securities actual costs 7-SAVINGS - FINANCIAL INVESTMENTS - SECURITIES PORTFOLIO Commission on stock market orders: Eurozone: 0.85%, min 60 Stock markets outside France: UK stock market 0.75%, min 75 GBP Swiss stock market 0.85%, min 75 CHF US stock market 0.85%, min 100 US Canadian stock market 0.40%, min. 75 CA Other stock markets On application Transfers of securities to another provider (by line) 30 + VAT Custodian fees Charged quarterly on the quarterly average of daily portfolio valuations 0.25%, min. 35 +VAT (or its equivalent in foreign currency) Additional fee on transactions falling within the scope of the Financial Transactions Tax 1 : 0.2% 1- See articles 235 ter Z of the French Tax Code. The list of companies whose securities are affected by the Financial Transactions Tax is published by decree of the French Ministry of the Economy and the Budget. 6

7 8-COMMERCIAL TRANSACTIONS 8.1 BILLS TO BE ISCOUNTE VALUE Calculation of the number of days (bill not endorsed by a bank) at M+6 N/A Calculation of the number of days (bill endorsed by a bank) at M+1 N/A Calculation of the number of days ( bill endorsed by us) at M+1 N/A Interest rate as arranged Advance of net discounted amount N/A iscounting fees BILLS FOR COLLECTION Collection fee per bill 16 Advice of fate by bill 25 Protest fees 40 + actual costs Return of bills reclaimed by the transferor N/A 16/bill Unpaid bill returned to the transferor 16 plus correspondent's fees Change of domicile 16 Value date of the credit to the account: Euro bills: Presented at least 15 working days before maturity: Bill drawn in our branches M+1 Bill drawn on France P+1 Bill drawn on places outside France (collection only) P+2 + HL charges 60 in Europe 80 elsewhere Presented at short notice or at sight P+1 Euro bills outside the French SIT clearing system or in foreign currency: P+1 0.1%, min BILL PAYMENT omicile notice request N/A Bill extension 5 Rejected Bill 20 ailly Law invoice discounting notification 25 + postage Value date of the debit to the account Euro bills outside the French SIT clearing system or in foreign currency P-1 5/bill Euro bills outside the French SIT clearing system or in foreign currency P-1 0.1%, min. 25 7

8 9- OCUMENTARY CREITS VALUE 9.1 IMPORT CREITS Opening (by quarter or part quarter) 0.25%, min. 130 Taking up documents/negotiation/payment 0.15%, min. 130 Acceptance/eferred payment (by month or part month) 2% per year, min. 60/month Amendments (except extensions or increases) 60 Incidental expenses (HL, SWIFT, draft, etc.) depending on type of service 9.2 EXPORT CREITS Pre-notification of opening 50 Notification 0.1%, min. 115 Confirmation (by quarter or part quarter) as arranged, min. 150 Amendments (except extensions or increases) 60 Non-conforming documents 60 Taking up documents/negotiation/payment 0.15%, min. 130 Acceptance/eferred payment (by month or part month) as arranged with a minimum of 60/month Transfer fee 0.15%, min. 150 (varies by country) 9.3 OCUMENTARY COLLECTIONS Presentation for payment fee 0.2%, min. 115 Additional presentation/extension/advice of fate/return unpaid 30 elivery of bill or documents against payment 0.1%, min LETTERS OF GUARANTEE Commercial letters of guarantee/bill endorsement Rental letters of guarantee 2% per year, min. 100/quarter. 2% per year, min. 700/year Sundry amendments 100 Letter of intent INTEREST-RATE TERMS APPLICABLE TO CUSTOMERS ACCOUNTS IN EUROS Unauthorised overdraft Euro 3-month lending market rates* + 6% Creditor balance rates Sight accounts of residents and non-residents do not earn interest Overdraft fee 2%0 on the peak overdraft for the quarter with a cap of half the debit balance interest 8

9 * The market rate, is a variable rate, indexed on the Libor rate, uplifted by 40 basis points for accounts with debit balances (lender market rate) denominated in euros. LIBOR (London InterBank Offered Rate) is a rate published by the British Bankers Association which represents, for a specific currency and specific period, the average lending rates offered by a group of at least eight top ranking banks, on the London interbank market. These rates are published on all market trading days at around 11:30 (GMT the time in London, in the United Kingdom), particularly on the Reuters " LIBOR" page. The historical record of the various LIBOR rates can be viewed on the British Bankers Association website at ( ACCOUNTS IN US OLLARS Unauthorised overdraft Prime Rate + 6% Creditor balance rates Sight accounts of residents and non-residents do not earn interest Overdraft fee 2%0 on the peak overdraft for the quarter with a cap of half of the interest = Working day date P = Payment date M = Maturity date N/A = Not Applicable 12- ISPUTE RESOLUTION In the event of a problem or dissatisfaction with the workings of your account, or with the use of the services made available to you, you can contact your Bank: By mail: Bank Audi France 73, avenue des Champs Elysées Paris By telephone: By Fax: By contactus.france@banqueaudi.com As a last resort and following the procedure described in article 10 of General Terms and Conditions for opening an account, you can apply free of charge to the Mediator by sending your written complaint to the address given below. The Mediator will reply to you directly within 2 months, advising you of its position based on fairness, given the facts and the cases put forward by both sides. By mail: The Mediator Boite Postale n Paris Cedex 9 9