TERMS and CONDITIONS Applicable to Foreign Correspondents

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1 TERMS and CONDITIONS Applicable to Foreign Correspondents Issue April 4th, 2012 These Terms and Conditions supersede all those previously issued and are subject to change at any time without prior notice. The General Conditions outlined below apply to transactions in Euro and in foreign currency, and relate to standard transactions. Documentary credits and the acceptance and execution of collection and procurement orders are subject to the "General Business Conditions of the Austrian Credit Institutions" as well as to the "Uniform Customs and Practice for Documentary Credits" and the "Uniform Rules for Collections", respectively. Usual postage is included in the rates for clean collections, but not in those for documentary collections, where it will be added to applicable rates. Correspondents charges, if any, as well as our out-of-pocket expenses, i.e. telephone, SWIFT and telex charges as well as additional charges will be charged separately. Any items requiring other than normal handling will be subject to additional charges. Expenses for remittance of collection proceeds, if any, additional. All Terms and Conditions will be quoted upon request. For further details please contact: Telephone number: from other countries: / extension (ext.) in Austria: / extension (ext.) Letters of Credit ext /22208 Export- and Trade Financing ext Foreign Guarantees ext Bank Relationship Management ext /22507 Collections ext Treasury settlement ext Bill of Exchange ext Payment Products Management ext BAWAG P.S.K. Bank für Arbeit und Wirtschaft und Österreichische Postsparkasse Aktiengesellschaft Georg-Coch-Platz 2, A-1018 Wien Telefon: Telefax: SWIFT-Adresse: BAWAATWW, OPSKATWW Internet: Page 1 of 5

2 1. Current Account Credit interest subject to arrangement Debit interest subject to arrangement Confirmation of balance EUR Bank-to-bank transfers in Euro no charge Cut-Off Time for same day value transfers in Euro - settlement via TARGET 05:00 p.m. CET - settlement via SWIFT 03:00 p.m. CET 2. Clean Payment Orders and Cheques Drawn on us 2.1. PSD-regulated credit transfers in favour of accounts in Austria Payments with options BEN and SHA - Payments in favour of customers of third banks Clearing Fee (to be borne by the ordering bank) EUR Payments in favour of customers of BAWAG P.S.K. free of charge for ord. bank Payments with option OUR - Charges: see point , Non-STP-Payments Charges (to be borne by the ordering bank regardless of charging option) in addition EUR Cut-Off Times: 11:00 a.m. CET 2.2. Payments with option OUR in favour of accounts in Austria STP 2 -Payments in Euro - up to EUR 12,500.- EUR up to EUR 50,000.- EUR above EUR 50,000.- EUR TARGET-Customer Transfers 4:30 p.m. CET - SWIFT-Customer Transfers 11:00 a.m. CET STP-Payments in EEA 3 -Currencies and CHF - up to EUR 12,500.- EUR up to EUR 50,000.- EUR above EUR 50,000.- EUR :00 a.m. CET STP-Payments in Other Currencies - up to EUR 12,500.- EUR up to EUR 50,000.- EUR above EUR 50,000.- EUR :00 a.m. CET 2.3. Payments with options SHA and BEN in favour of accounts in Austria STP-Payments in all Currencies free of charge for ord. bank Charges (to be deducted from the transferred amount): see points , , see points , , Urgent Transfers with options OUR, SHA and BEN in favour of accounts in Austria Charges: see points , , , , :00 p.m. CET 1 PSD-regulated payments are transfers under the Payment Service Directive (PSD 2007/64/EC) by the European Commission, which was transposed into Austrian Law in the form of ZahlungsDiensteGesetz, effective Nov. 1, PSD regulates domestic and cross-border payments services within the countries of the European Union (EU), Norway, Iceland and Liechtenstein in EUR or the legacy currencies of these countries. 2 STP: Straight Through Processing 3 EEA: European Economic Area Page 2 of 5

3 2.5. Non-STP-Payments (incl. Urgent Transfers) with options OUR, SHA and BEN in favour of accounts in Austria (all Currencies) Charges (to be borne by the ordering bank regardless of charging option): in addition EUR 5.- The fees mentioned in points , , , , 2.4. will be charged according to the option. see points , , , , SWIFT to Cash Out-Payments in Austria (pay-out in Euro) Charges: see points , , , in addition EUR 3.- see points , , , Emergency Payments Urgent SWIFT to Cash Out-Payments up to EUR 12,500.- in Austria (pay-out in Euro) Charges: see points , , , , 2.5. in addition EUR :00 p.m. CET 2.8. Payments with option OUR in favour of accounts abroad 4 (Transfers to foreign banks) Payments in all Currencies - up to EUR 12,500.- EUR up to EUR 50,000.- EUR above EUR 50,000.- EUR 50.- see points , , , Payments with options SHA and BEN in favour of accounts abroad (Transfers to banks abroad; free of charge for the ordering bank; charges to be deducted from the transferred amount.) Payments in all Currencies - up to EUR 12,500.- EUR up to EUR 50,000.- EUR above EUR 50,000.- EUR 25.- see points , , , Non-STP-Payments with options OUR, SHA and BEN in favour of accounts abroad 3 Charges (to be borne by the ordering bank regardless of charging option): in addition EUR 5.- The fees mentioned in points , will be charged according to the option. see points , Cheques Drawn on us no charge Stop payment orders (per cheque) EUR older than 6 months EUR Charges for investigations, cancellations, stop payments, queries and answers, requests for additional transaction information, amendments of transactions or value date, claims of receipt (not caused by BAWAG P.S.K.) - Within 6 months EUR Older than 6 months EUR Return of payment EUR Request of voucher duplicates / item EUR Administrative work for special cases / hour EUR Additional charges of other involved banks will also be debited Low Value Payments according to agreement 4 If the charges of the foreign correspondent banks are higher than the flat fee of BAWAG P.S.K., we reserve the right to debit the ordering bank with supplementary foreign bank charges as calculated. Page 3 of 5

4 3. Documentary Credits (Irrevocable), Commercial Letters of Credit, Documentary Guarantees and Standby L/C's 3.1. Advising a credit or passing it on (without our responsibility) 1 for each 90 days of validity or part thereof, minimum EUR Confirmation commission to be agreed 3.3. Commission for payments against, and/or negotiation, and/or taking up of documents, including payments made in the absence of documents 2.5, minimum EUR Commission for deferred payment (in addition to above) a) unconfirmed L/C's 1 for each 90 days or part thereof until due date of payment, min. EUR 70.- b) confirmed L/C's to be agreed 3.5 Commission for amendments (unless the amendment is subject to another commission) EUR Commission for handling consignments of goods sent to the bank's address or placed at the bank's disposal 3.0, minimum EUR Commission for the delivery of acceptances against presentation of the stipulated documents 2.5, minimum EUR Commission for reimbursement on offices of our bank - evidencing fee EUR for each payment effected under reimbursement authorisation EUR in case the authorisation is to bear a binding confirmation to be agreed 3.9. Charges for documentary payment orders - Payment commission 2.5 minimum EUR Charge for taking up documents showing discrepancies under L/C's opened by us EUR Commissions for Documentary Collections 4.1. For delivery of documents against payment or acceptance of the accompanying draft, or against a letter of undertaking 1.5, minimum EUR 70.- The above charges also apply if delivery of the documents has not been effected due to non-payment or nonacceptance of the draft or failure to produce a letter of undertaking, or it the original documentary instructions, while being exercised, have been amended to free delivery" or withdrawn Commission for handling consignments of goods sent to the bank's address or placed at the bank's disposal 3, minimum EUR Commission for amendment EUR Items for Free Delivery 5.1. Clean remittances 0.25, min. EUR Documents 0.75 of the value of goods, minimum EUR Collection of Cheques 6.1. Presentation for collection and subject to final payment according to agreement 6.2. Cheques drawn on BAWAG P.S.K. no charge 6.3. Charge for returned cheques EUR Additional charges of other involved banks will also be debited. 7. Clean Bills and Other Clean Remittances 7.1. Domiciled at banks EUR Domiciled at non-banks EUR Page 4 of 5

5 8. Presentation of Items for Acceptance 1, min. EUR Clean Items and Other Clean Remittances Returned Unpaid or Unaccepted 9.1. Bills discounted by us 1/3% 10. Value Date and Exchange Rate of Cheques, Bills and Other Remittances Payable in Austria Value Date Presentation for Collection to be agreed Subject to Final Payment : drawn on BAWAG P.S.K. - in Euro 1 banking day after receipt - in Foreign Currency 2 banking days after receipt drawn on other Austrian banks to be agreed Cut-Off Time 11:00 a.m. CET The expenses of a courier service are always for the account of the remitting bank Exchange Rate BAWAG P.S.K.-Fixing 11. Safe-custody of Securities Austrian and foreign securities held in collective custody account 0.25 p.a. market value or at least of nominal value individual custody account 0.50 p.a. market value or at least of nominal value Austrian and foreign securities physically held abroad 1.25 p.a. market value or at least of nominal value Minimum charge per depot EUR Foreign Guarantees For handling guarantees in favour of domestic beneficiaries (without our responsibility) Advising commission 1, min. EUR Amendment fee EUR For issuance of guarantees in favour of domestic beneficiaries under counter-guarantees of foreign banks Commission to be agreed Issuance Commission EUR Amendment Commission EUR 45.- Page 5 of 5

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