Business and Services for Retail Accounts Croatian Kuna Current and Deposit Accounts Opening and maintaining a saving account

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1 EXTRACT FROM THE DECISION ON SERVICE FEES FOR RETAIL TRANSACTIONS As of 6 th June 2016, the charges the following service fees for retail transactions: Business and Services for Retail Accounts Croatian Kuna Current and Deposit Accounts Opening and maintaining a saving account Issuing a savings book HRK Replacing a savings book lost by the client HRK Crediting a client's account Order entry Debiting a client s account Debiting a client s account with an amount exceeding HRK 0.10% per amount 1,000, Issuing a savings book for term deposits Current and Giro Accounts Opening an account Maintaining a current account HRK per month per account Issuing a retail current account (RCA) cheque card Issuing a signature card (giro account) HRK (per card) Reminders (non-allowed overdrafts on RCA or giro accounts) Issuing a regular RCA statement Sending an RCA statement to an address Issuing a requested RCA statement HRK per statement Sending a requested RCA statement HRK 5.00 per statement Issuing a transaction card for an RCA or giro account HRK per request Permitted overdraft on an RCA account - automatic Internet ing Charge for an on-line payment HRK 2.00/order Charge for an internal transfer Charge for an internal transfer to a account Charge for an internal transfer to a s client s retail account Charge for an internal transfer to a s corporate client HRK 2.00/order Internet banking charge HRK 10.00/month Loss or replacement of tokens HRK one-off charge Token replacement that results from an error not caused by the client s mishandling Client Loans Credit approval On a case by case basis Charges for purpose and general loans to retail clients According to the specific terms of each credit product

2 Notice of arrears (for each debtor/co-debtor and guarantor) Cancellation of credit agreements with defaulting debtors HRK Protests, litigation and other measures against defaulting debtors Changes to the terms or conditions of an approved guarantee or credit A charge for early, partial or final loan repayment (applying to all loans approved before 31 st December 2009, i.e. all loans approved after 1 st January 2010 that exceeded HRK 1,000,000.00) A charge for early, partial or final loan repayment (applying to all loans approved from 1 st January 2010 that did not exceed HRK 1,000,000.00) Actual costs from Min. HRK HRK % of the previously repaid principal from Min. HRK From 0% to 1%* *The fee percentage amount between 0% and 1% to be charged is dependent on: 1. Whether the early repayment amount is less than HRK 75, or whether the cumulative amount of the early credit repayment, dating back one year (365 days), is less than HRK 75,000.00, in which case the charge is 0%, 2. Whether the credit agreement states a variable interest rate, in which case the charge is o 0%, or 3. Whether the credit agreement states a fixed interest rate, in which cases the charges shall be calculated as follows: 1%, if the period between the date of early credit repayment and maturity of the loan is longer than a year, or 0.5%, if the period between early credit repayment and the maturity of the loan is less than a year. The resulting amount charged shall not exceed the amount of interest the client would pay during the period between the early credit repayment date and the maturity of the loan. If the charge exceeds this amount of interest, the client shall then pay a charge amounting to this due interest. In the event that the loan interest rates increase, the client has the right to repay such credit earlier, without any obligation to pay early repayment charges, within three months of receipt of notice of such an increase. This applies to all newly approved and existing retail loans in the s portfolio. Charges for early credit repayment with a new general purpose credit approved by the Restructuring/agreement charges In accordance with an individual Decision on Reprogramming/Agreement Charges for changing/replacing collateral 0.5%, Min. HRK Charges for changing/replacing collateral at the s request resulting in a more advantageous position of the Charges for issuing a Statement of Release HRK Charges for granting approval/non-binding letters of intent or other documentation for natural persons, which are the responsibility of the Credit Board Min. HRK

3 Charges for granting approval/non-binding letters of intent or other documentation for natural persons, adopted Min. HRK pursuant to the Decisions made by the Approval Assignee Foreign Currency and Savings Deposit Accounts for Residents and Non- Residents Opening and maintaining foreign currency accounts or saving deposits Issuing a savings book HRK Changing a savings book as a result of the client s error HRK Issuing a card for a foreign currency account HRK Deposit (cash foreign currency, cheque or bank transfer) and withdrawal A withdrawal in Croatian Kuna or in a currency which is different from the account s currency (if funds are on an account for more than 8 days). This does not apply to foreign pensions, salaries or funds transferred by bank transfer A withdrawals from an account that exceeds HRK 1,000, (Croatian Kuna equivalent at the Croatian National s mean exchange rate on the date of withdrawal) 0.5% per amount Min. HRK 10.00, Max. HRK % per amount Enquiries, amendments and other claims HRK The transfer of funds to humanitarian accounts and nonresidential accounts held with the Issuing a savings book for the purposes of long-term deposits Foreign Currency Payment Transactions/Transfers in Croatia and Abroad (Cross-border and International Transactions) National Payment Transactions Foreign Currency Transfers In-branch of Croatia in EUR- SHA Option of Croatia in foreign currency (not EUR) - SHA Option + of Croatia in foreign currency (not EUR) - OUR Option + Foreign Currency Transfers via Retail Internet ing of Croatia in EUR- SHA Option of Croatia in foreign currency (not EUR)- SHA Option + of Croatia in foreign currency (not EUR) - OUR Option + Cross-border Foreign Currency Payment Transactions HRK/order 0.25%, Min. HRK 50.00, Max. HRK %, Min. HRK , Max. HRK HRK/order 0.25%, Min. HRK 50.00, Max. HRK %, Min. HRK ,

4 Foreign Currency Transfers In-branch Transfers to accounts in EU Member States in EUR - SHA Option currencies (not EUR) - SHA Option + currencies (not EUR) - OUR Option + Foreign Currency Transfers via Retail Internet ing Transfers to accounts in EU Member States in EUR - SHA Option currencies (not EUR) - SHA Option + currencies (not EUR) - OUR Option + Transfers of foreign currencies on a client s account with the BIW International Payment Transactions Foreign Currency Transfers In-branch Transfers to accounts with foreign banks in foreign currencies - SHA Option + Transfers to accounts with foreign banks in foreign currencies - OUR Option + Foreign Currency Transfers via Retail Internet ing HRK/order 0.40%, Min. HRK 80.00, 0.50%, Min. HRK , Max. HRK HRK/order 0.40% Min. HRK 70.00, Max. HRK % Min. HRK %, Min. HRK 80.00, 0.50%, Min. HRK , Max. HRK Transfers to accounts with foreign banks within in foreign 0.40% Min. HRK 70.00, currency - SHA Option + Max. HRK Transfers to accounts with foreign banks in foreign 0.50% Min. HRK currencies - OUR Option + *In addition to these charges the Client is required to pay a SWIFT payment charge Foreign remittances to an account HRK 7.50 per remittance Foreign remittances to foreign currency pension accounts Charges for Standing Orders and One-time Payments Executing a standing order to the s account Contracted standing orders HRK one-time payment Executing a standing order to the account outside of the 1% per amount Min. HRK Executing a standing order to business accounts within the 1% per amount Min. HRK Executing a one-time order to the s account Executing a one-time order to business accounts within 1% per amount Min. HRK the Executing a one-time order to an account outside the 1% per amount Min. HRK Charges for One-time Payments Made at the s Counter

5 Cash payments or transfers orders to accounts held with the Cash payments or transfers to business accounts held with 1% per amount Min. HRK the 5.00, Max. HRK Cash payments or transfers to accounts held outside the 1% per amount Min. HRK 5.00, Max. HRK Cash payments or transfers to accounts held by humanitarian organisations and accounts opened to obtain funds for charity Other Actions Sales of convertible currency to retail clients Redemption of foreign currency cash, cheques and letters of credit from foreign banks Collection of effective foreign currency (the replacement of 1.5% per amount Min. HRK damaged or obsolete bills) 5.00 Purchasing securities (cheques and bills of exchange) for 0.3% per amount Min. HRK collection (per cheque or bill of exchange value) Issuance of various certificates upon a given Client s HRK VAT once request confirmed Notice of document theft, forgery or abuse HRK Closing accounts for domestic retail clients Charges for each message sent via the SWIFT network HRK Handling fees charged on the application for issuing a HRK per request + HROK credit report upon a personal request made by a VAT retail client Countermanding Croatian Kuna and foreign currency HRK /order orders Actions in the Name and on Behalf of Retail Clients Brokerage operation charges As contractually stated Various calculations required for legal proceedings in HRK disputes not initiated by the Card Operations (Retail Clients) Debit Cards Initial issuance of a debit card and PIN Creating a replacement card HRK Creating a replacement PIN HRK 5.00 Vaba d.d. banka Varaždin cash machine withdrawals MBU Network cash machine withdrawals MBU Network cash machine withdrawals within Croatia 1.5%, Min. HRK Cash withdrawals outside Croatia HRK % per transaction amount Payment for goods and services via EFTPOS terminals within and outside Croatia Purchasing VIP and SIMPA pre-paid telephone credits on cash machines within Croatia Credit Card - Personal MasterCard Registration fee Annual fee per month Charges for issuing replacement cards in the event of loss HRK 45.00, One-time

6 (loss or theft), alteration of registered details (name or surname), damage, etc. Charges for issuing a regular replacement card due to a card expiring Reissuing a PIN payment HRK 20.00, One-time payment Transaction charges Purchasing goods or services outside Croatia Cash withdrawals at home and abroad 2.5% Min. HRK Reminder (for a debtor) Cancellation of a credit agreement due to debtor default HRK An excerpt from the Decision on Vaba d.d. banka Varaždin Services Fees Charged for Services Performed in Corporate and Retail ing, which has been in effect since 6 th June 2016.

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