SCHEDULE OF FEES AND CHARGES COLLECTED BY BANK ZACHODNI WBK S.A. FOR BANKING SERVICES PROVIDED TO BUSINESS CUSTOMERS

Transcription

1 SCHEDULE OF FEES AND CHARGES COLLECTED BY BANK ZACHODNI WBK S.A. FOR BANKING SERVICES PROVIDED TO BUSINESS CUSTOMERS

2 2 PART I A SCHEDULE OF FEES AND CHARGES COLLECTED FOR BANKING SERVICES PROVIDED TO SMALL AND MEDIUM SIZED ENTERPRISES Applicable from 1 March2016 CONTENTS CHAPTER 1 GENERAL PROVISIONS... 3 CHAPTER 2 CURRENT ACCOUNTS... 5 CHAPTER 3 CUSTODIAN ACCOUNTS... 9 CHAPTER 4 TERM DEPOSITS CHAPTER 5 ELECTRONIC BANKING SERVICES CHAPTER 6 PAYMENT CARDS CHAPTER 7 OTHER PAYMENTS INSTRUMENTS CHAPTER 8 FOREIGN CURRENCY TRANSACTIONS CHAPTER 9 TRADE TRANSACTIONS CHAPTER 10 LOANS AND LOAN-RELATED SERVICES CHAPTER 11 SECURITIES ACCOUNTS OPERATED IN BZ WBK HEAD OFFICE AND OTHER ACTIVITIES RELATED TO HANDLING OF TREASURY TRANSACTIONS CHAPTER 12 OTHER FEES AND CHARGES APPENDIX NO. 1 INSURANCE APPENDIX NO. 2 BZ WBK PRODUCTS AND SERVICES FOR SMALL AND MEDIUM SIZED ENTERPRISES, WITHDRAWN FROM THE BANK OFFERING APPENDIX NO. 3 EX-KB PRODUCTS AND SERVICES FOR SMALL AND MEDIUM SIZED ENTERPRISES CUSTOMERS, WITHDRAWN FROM THE BANK OFFERING... 37

3 3 CHAPTER 1 GENERAL PROVISIONS 1. Bank Zachodni WBK S.A., hereinafter referred to as BZ WBK / Bank, collects fees and charges as per this Schedule Part I A. 2. Fees and charges are set in Polish zloty or in foreign. 3. In the case of operations denominated in foreign, the basis for setting the amount of fees and charges is: a) PLN equivalent of the operation amount - in the case of fees and charges stated in PLN, b) operation amount - in the case of fees and charges denominated in foreign. In the case of fees and charges denominated in PLN, the conversion is made at the average NBP rate applicable on the day of collecting the fee / charge, except for fees / charges related to: - payment orders calculated at the NBP average exchange rate as at the previous day, - handling fx loans and guarantees issued by BZ WBK - calculated at the buy / sell rate for BZ WBK, - purchase / sale of the at BZ WBK cash desk - calculated at the buy / sell rate for BZ WBK money, - purchase of export receivables (forfaiting) calculated at the average NBP rate as at the payment day, - executing in a convertible currency documentary collection, letter of credit and advised guarantees issued by another bank for the benefit of the BZ WBK customer calculated at the buy / sell rate for BZ WBK. The above rates are applied to calculate the operation amount respectively, with the exclusion of transactions executed with the use of payment cards. 4. In the case of costs of foreign banks denominated in a currency other than the currency in which they will be collected, the conversion is made at the average NBP rate applicable on the day of collecting costs, except for costs of operations related to the realization in convertible currency of collections and letters of credit, early advice, indirect and confirmed guarantees - converted at the sell rate for foreign applicable in BZ WBK. 5. Fees and charges are collected: a) on the day of making or executing an instruction or b) on a monthly basis, on the last day of a given calendar month - refers to the fees and charges for account maintenance, transfers (incl. additional fee for SORBNET transfer below PLN 1m), direct debit (excluding fees for an instruction to cancel direct debit, an instruction to cancel unexecuted direct debit or an instruction to make a refund in relation to executed direct debit, placed at a BZWBK outlet, for which the Bank collects fees in line with item a) cash lodgement to the Holder s own account, cash withdrawals from an account at BZ WBK outlets, statements and confirmation of operations (appendix / duplicate) attached to the statement; excluding accounts listed in Appendix 3 for which the aforementioned fees are collected on the last day of a calendar month which is the Bank s business day or c) on other dates referred to in the Schedule under individual fees and charges or in the agreements concluded by and between the Customer and BZ WBK. If a given agreement is terminated, regular fees or charges are collected on the last day of the agreement s validity period. That applies also to fees or charges collected from another customer s account. 6. The principle of cyclical collection of fees and charges referred to in point 5. sub-point b) is observed in the following manner (subject to the reservation referred to in point 7.): a) a monthly account maintenance fee is collected on a monthly basis accrued for each commenced calendar month of account maintenance and aggregate fees for the executed transactions and statements and confirmation of operations (appendices / duplicates) attached to the statements, sent or collected in an outlet from the first day of a given calendar month to the last day of that month inclusive; excluding aggregate fees for accounts listed in Appendix 3 for which the fees are collected for operations effected in the period from the last business day of the Bank in the previous calendar month (inclusive) to the day preceding the last business day of the Bank in the present calendar month; b) the principal of cyclical collection of fees and charges does not refer to the fees and charges defined in this Schedule as additional (excl. the exceptions outlined above). 7. If the customer makes and instruction for changing the pricing schedule, the fees and charges referred to in point 5. sub-point b) and point 6., shall be collected as per the new schedule for the calendar month when the schedule was changed. 8. Fees and charges due are paid by the party that orders a transaction unless the parties to a given transaction agreed otherwise or the instruction submitted states otherwise and BZWBK accepts it. 9. Amounts of collected fees and charges are rounded based on commonly applicable principles. 10. For services ordered by domestic and international customers, the following fees and charges are collected, apart from those listed in this Schedule: a) fees and charges collected by banks acting as agents, while effecting an order, b) fees and charges for telecommunication and postal services for domestic and international transactions, c) fees for post sent by courier at a Customer s request.

4 4 11. Fees and charges for banking services are not collected for: a) operations related to the repayment of receivables of Bank Zachodni WBK S.A. or its subsidiaries, irrespective of their type, excluding the repayments of revolving loans and overdrafts, b) cash lodgements to accounts with KBC Securities N.V., c) lodgement of coins in convertible, to cover fees and charges payable to the Bank, d) cash lodgements made by BZWBK Customer to cover the tax on civil law transactions if the tax payment is related to services provided by BZ WBK, e) cash withdrawals at the closure of the settlement account. 12. Fees and charges related to settlement accounts referred to in chapters which do not contain break-downs into pricing tariffs apply to accounts maintained in all types of pricing tariffs. 13. Current account operated under individually set terms and conditions is an account with a different interest rate than the standard one, with different level of fees and charges or with fees collected in a different manner than the one defined in this Schedule (re. fees and charges referred to in item 5. sub-item b). Among all the customer s PLN accounts operated on separately set conditions, the first account is the one for which the account maintenance fee has been set at the level most similar to the basic fee (account with the smallest discount). 14. For the needs of this Schedule of Fees and Charges, the average balance in the settlement account is calculated as the sum of balances in a given account at the end of each day in the period from the last day of the previous calendar month to the last but one day of the current calendar month, inclusive (refers to fees specified in point 5 sub-point b) divided by a relevant number of days. 15. Fees for transfers to an account in another bank do not refer to funds transferred in a foreign currency to accounts of domestic banks and to transfers to accounts in foreign banks fees for the delivery of these transactions are collected in line with the fees for withdrawal orders. 16. Fees and charges for transfers / cash lodgements / payment orders / direct debits made to an account held with BZ WBK apply also to the above transactions executed through accounts of BZ WBK subsidiaries and BZ WBK Partner outlets, i.e. agency outlets of BZWBK operating under Bank Zachodni WBK Partner brand. 17. Unless specified otherwise in the Schedule s chapters or other regulations, the fees and charges applicable in BZ WBK outlets also refer to banking services for business customers rendered in BZ WBK Partner outlets. 18. During the Agreement s validity period, the Bank will have the right to make amendments to the Schedule, in particular, to change the level of fees and charges. The changes in fees and charges will be determined by at least one of the following factors: a) the level of workload and the scope and form of performing specific activities / services, b) financial instruments of the money market and capital market: interest rate on the NBP rediscount loan, interest rate on the NBP Lombard loan, the manner of calculating the obligatory reserve of banks, interest rates applicable on the inter-bank market, yield on T-bills issued by the Finance Minister, yield on money bonds issued by the NBP. In addition, over the Agreement s validity period, the Bank will have the right to introduce new fees and charges. 19. BZ WBK will not notify customers of such changes to this Schedule of Fees and Charges which will consist only in introducing new types of products or services to the BZ WBK s proposition and in the case of changes in the functioning of products or services which are not an object of the agreement that the customer has signed with the Bank.

5 5 CHAPTER 2 CURRENT ACCOUNTS Account Worth Recommending business account Account Worth Recommending Premium business account Optimum Tariff Tariff for Agrobusiness *** Negotiated Tariff ***** Accounts: in PLN in PLN in foreign in PLN Account maintenance (main account; monthly fee) Account maintenance (additional account; monthly fee) PLN 0/PLN 25 1) 2) PLN 50 2) 3) 4) PLN 25 - The fee depends on the average monthly balance in the account: Free of charge (balance equal to PLN 5000 or higher) PLN 150 (the fee relates to the first current account in PLN operated on individually agreed conditions) PLN 10 - PLN 60 PLN 25 PLN 0 4) (balance below PLN 5000) (the fee collected on each next - account in this tariff) 1) The account maintenance fee is PLN 0.00 if transfers to ZUS or tax office are made from that account in a given month. Should the a/m condition not be fulfilled, the account maintenance fee is PLN 25 per month and will be collected in the month following the month in which the transfers have not been made. 2) Only one basic account can be opened. 3) Holders of Konto Firmowe Godne Polecenia (Account Worth Recommending Business Account) have the right to be exempted from the monthly fee for maintenance of one additional current account in the Optimum Tariff in one of the following : EUR, USD, GBP. Any other account in any of the above is subject to fees as per the Schedule of Fees and Changes. Closing the main current account in PLN also results in charging fees for fx accounts as per the Optimum Tariff. 4) Holders of Konto Firmowe Godne Polecenia Premium (Account Worth Recommending Premium Business Account) as the main current account have the right to be exempted from the monthly fee for maintenance of all additional current accounts in the Optimum Tariff in the following : EUR, USD, GBP, CHF, NOK, SEK, DKK, CZK, and to be exempted from the monthly fee for maintenance of all additional current accounts in PLN. As regards such as NOK, SEK, DKK and CZK, opening of an account depends on the Bank s decision. Closing the main current account in PLN results in charging fees for additional fx accounts as per the Optimum Tariff. As regards additional accounts in PLN, closing the main account means changing the tariff into the tariff for additional accounts (Konto Firmowe Godne Polecenia). 2. Transfers 1) Transfer placed in BZ WBK outlet: a) to a BZ WBK account 1) PLN 10 PLN 8 free of charge free of charge PLN 5 b) to an account with another bank effected via - ELIXIR 2) PLN 10 PLN 8 - PLN 8 PLN 9 - SORBNET 2) PLN 20 PLN 20 - PLN 20 PLN 20 c) additional fee for SORBNET transfer below PLN 1m 2) Transfer order placed electronically: PLN 40 PLN 40 - PLN 40 PLN 40 a) to a BZ WBK account free of charge free of charge free of charge free of charge free of charge b) to an account with another bank effected via

6 6 Account Worth Recommending business account Account Worth Recommending Premium business account Optimum Tariff Tariff for Agrobusiness *** Negotiated Tariff ***** Accounts: in PLN in PLN in foreign in PLN 3)4)5) 2) free of charge - ELIXIR / PLN 1 free of charge - PLN 1 PLN 2 - Express ELIXIR 2) PLN 8 PLN 8 - PLN 8 PLN 10 - Blue Cash 2) PLN 8 PLN 8 - PLN 8 PLN 10 - SORBNET 2) PLN 15 PLN 15 - PLN 15 PLN 15 c) additional fee for transfer below PLN 1m via SORBNET PLN 20 PLN 20 - PLN 20 PLN 20 d) executed in Przelew24 3) PLN 0.50 PLN PLN 0.50 PLN ) The fee is not collected in the case of transfers to credit accounts and term deposits. 2) The service not available for current FX accounts. 3) It relates to transfers to accounts with ZUS and Tax Office. 4) applies to the first 25 transfers from the main account in a given calendar month 5) does not apply to additional accounts in PLN 3. Standing orders placed in BZ WBK outlet or via electronic banking 1) effecting an order to an account with BZ WBK free of charge free of charge free of charge free of charge free of charge 2) effecting an order to an account with another 1) PLN 3 PLN 3 - PLN 3 PLN 3 bank NOTE 1) The service not available for current FX accounts. 4. Defining, changing removing standing order in BZ WBK outlet 1) 2) 5. Direct Debit 1) Crediting the beneficiary s (creditor s) account as execution of the direct debit order 2) Transfer of the message on the refusal to effect the direct debit order by the payer s Bank to the beneficiary (creditor) - for each refusal message 3) Execution of the direct debit order from the payer s account to the beneficiary s account maintained at: PLN 3 PLN 3 PLN 3 PLN 3 PLN 3 PLN 2 PLN 2 - PLN 2 PLN 2 PLN 2 PLN 2 - PLN 2 PLN 2 a) BZ WBK free of charge free of charge - free of charge free of charge b) another bank PLN 2 PLN 2 - PLN 2 PLN 2

7 7 Account Worth Recommending business account Account Worth Recommending Premium business account Optimum Tariff Tariff for Agrobusiness *** Negotiated Tariff ***** Accounts: in PLN in PLN in foreign in PLN 4) Cancelling non-executed direct debit or charge back PLN 2 PLN 2 - PLN 2 PLN 2 5) Cancelling consent for executing direct debit PLN 5 PLN 5 - PLN 5 PLN 5 1) The service not available for current FX accounts. 2) Fees referred to in points 1) and 2) are collected from the creditor and fees listed in points 3), 4) and 5) are collected from the payer (debtor). 6. Cash lodgement 1) Lodgement made by the account holder: a) non-sealed lodgement made at a BZ WBK outlet b) sealed lodgement made at - BZ WBK cashdesk - night vault - Cash Service Centre c) deposit ATM (re. lodgements in PLN) 2) Lodgement made in BZ WBK outlet on own account of the payer who is not the account owner 3) Sealed lodgement in post-office 4) Sealed lodgement services related to cash escorting 5) Additional fees and charges are collected for: 0.65% 0.4% 0,3% 0.4% 0,3% 0.4% 0,3% free of charge free of charge free of charge free of charge 0.4% 0.3% Free of charge Free of charge Free of charge Free of charge Free of charge 0.2% min. PLN 6 0.2% min. PLN 6 0.2% min. PLN 6 as per the agreement as per the agreement as per the agreement 0.2% min. PLN 6 as per the agreement 0.2% min. PLN 6 as per the agreement a) lodgement in coins - convertible % - 60% b) lodgement in coins - Polish currency - in excess of 50 items c) night vault - containers for keeping cash (e.g. coin bags, wallets, caskets) and keys to a night vault etc. 5% 5% 5% 5% 5%

8 8 Account Worth Recommending business account Account Worth Recommending Premium business account Optimum Tariff Tariff for Agrobusiness *** Negotiated Tariff ***** Accounts: in PLN in PLN in foreign in PLN d) sealed lodgement prepared in breach of the agreement / declaration (e.g. inaccurate preparation of a safe envelope, lodgement prepared in a disorderly fashion) 7. Cash withdrawal from BZ WBK outlet PLN 40 PLN 40 PLN 40 PLN 40 PLN % 1) Non-advised withdrawal (additional fee) 0.2% 0.2% 0.2% 0.2% 0.2% 1) The fee indicated in item 1) is calculated on the difference between the amount withdrawn and the amount to be advised. 2) Fees and charges for cash withdrawal with the use of payment cards are specified in Chapter 6 a). 8. Failure to collect advised amount at the agreed date (on the uncollected amount) 9. Sealed withdrawal services related to cash escorting 10. Cheques in domestic trading 1) 0,3% min PLN 100 0,3% min PLN 100 0,3% min PLN 100 0,3% min PLN 100 0,3% min PLN 100 as per the agreement as per the agreement as per the agreement as per the agreement as per the agreement 1) Ordering cheque forms 2) PLN 1 PLN 1 - PLN 1 PLN 1 (for one cheque form) 2) Mailing ordered cheque forms 2) PLN 6 PLN 6 - PLN 6 PLN 6 3) Cheque confirmation PLN 15 PLN 15 - PLN 15 PLN 15 4) Cheque collection PLN 20 PLN 20 - PLN 20 PLN 20 1) The service not available for current FX accounts. 2) Fee for ordering cheque forms and mailing them is collected upon the order placement. 11. Account statement 1) ewyciąg / estatement sent in an electronic version as part of electronic banking service 2) in the form of SWIFT message 1) : free of charge free of charge free of charge free of charge free of charge a) MT940 for one message (page of a statement) PLN 10 PLN 10 PLN 10 PLN 10 PLN 10 b) MT941 or MT942 2) PLN 200 PLN 200 PLN 200 PLN 200 PLN 200 1) The fee is collected jointly on the first business day of the subsequent calendar month for messages sent in the previous month with the value date falling on the last business day of the month. 2) Monthly flat fee for the package of max messages (pages of statement) in a calendar month, collected for each type of message (on each account). For each subsequent package of 1000 messages (pages of statement) commenced in a given month, the additional fee of PLN 200 is collected. 3) in the paper form from (for each generated statement):

9 9 Account Worth Recommending business account Account Worth Recommending Premium business account Optimum Tariff Tariff for Agrobusiness *** Negotiated Tariff ***** Accounts: in PLN in PLN in foreign in PLN a) sent by ordinary mail once a month or less frequently to customers who do not avail of BZWBK24 Internet electronic banking services b) sent by ordinary mail once a month or less frequently to customers who avail of BZWBK24 Internet electronic banking services c) sent by ordinary mail more often than once a month or upon each balance change free of charge free of charge free of charge free of charge free of charge PLN 5 PLN 5 PLN 5 PLN 5 PLN 5 PLN 5 PLN 5 PLN 5 PLN 5 PLN 5 d) collected at BZ WBK outlet PLN 15 PLN 15 PLN 15 PLN 15 PLN 15 e) sent via registered mail 1) PLN 15 PLN 15 PLN 15 PLN 15 PLN 10 1) The fee for statement sent via registered mail applies to accounts for which this method of providing statements applied before As of the service is no longer available. 4) statement duplicate PLN 5 PLN 5 PLN 5 PLN 5 PLN 5 5) appendix (original document) or copy confirmation of a single operation attached to the statement (for each item on the statement) 6) storage of statements for longer than one month (for each month commenced) PLN 1 PLN 1 PLN 1 PLN 1 PLN 1 PLN 10 PLN 10 PLN 10 PLN 10 PLN Change of the tariff applicable to the account PLN 150 PLN 150 PLN 150 PLN 150 PLN 150 *** Applies to current accounts kept on standard terms and conditions for holders of Package for Agrobusiness. ***** Applies to current accounts operated based on individually agreed conditions, including accounts which on the day preceding were operated according to individually agreed conditions set out in the Standard Tariff. CHAPTER 3 CUSTODIAN ACCOUNTS Fee First account maintenance as per the agreement

10 10 CHAPTER 4 TERM DEPOSITS Fee Operating a deposit account free of charge 2. Cash lodgement into the deposit account free of charge 3. Lodgement in coins - convertible 60% 4. Lodgement in coins - Polish currency - in excess of 50 items 5% 5. Cash withdrawal from the fx deposit account 0.25% min. PLN 7 6. Order to transfer funds from the deposit account to the account maintained with another bank (re. management of interest or capital at interest availability dates or upon the lapse of the contractual period) 7. Transfer of funds from the closure of the deposit account before the lapse of the contractual period to an account maintained with another bank 8. Deposit account statement free of charge 9. Statement duplicate PLN Storage of statements for longer than one month (for each month commenced) PLN 10 CHAPTER 5 ELECTRONIC BANKING SERVICES PLN 7 PLN 7 Fee 1. BZWBK24 1) Access to BZWBK24 e-banking services: a) BZWBK24 Mini Firma service / BZWBK24 Mini Company service free of charge b) BZWBK24 Moja Firma plus services (for each month commenced) PLN 55 2) Use of BZWBK24 Mini Firma service: a) first User of BZWBK24 Mini Firma service free of charge b) another User of BZWBK24 Mini Firma service (for each commenced month) PLN 5 3) Token dispatch (one-off fee) PLN 70 4) Sending smscode at the customer s request PLN 0.20 First 5 smscodes in a given month are sent free of charge. 5) Sending a text message via BZWBK24 sms service (for one message) PLN 0.50 The fees referred to in 1), 2), 4) and 5) are collected on the 5th day of a calendar month following the month in question. 2. ibiznes24

11 11 Fee 1) License fee for making the service available and using it (for each commenced calendar month): a) extended service profile PLN 200 2) Authorisation tools: a) issuance of processor card (one-off fee) PLN 100 b) issuance of token(one-off fee) PLN 70 c) sending an smscode at the customer s request PLN ) Reader or its replacement PLN 100 4) ibiznes24 service visit at the customer s request PLN 300 5) Training visit: a) first visit after activating the service free of charge b) subsequent visit PLN 500 The fees and charges specified in sub-items 1) 4) are collected by BZWBK by the 5th day of the calendar month following the one to which the fees and charges refer 3. Alerty24 Moje Pieniądze Package (Alerty24 My Money) 1) package use (for each month commenced) PLN 10 2) sending an alert in the form of a text message (for one message) PLN ) Within the fee for Alerts24 My Money package, 20 alerts are available in the form of text messages (sms) and an unlimited number of alerts in the form of . Fee indicated in sub-item 2) is collected for each additional alert, exceeding the number of alerts available within the fee for using the package. 2) Fees referred to in item 3. are collected on the 5th day of a calendar month following the month they refer to. For execution of orders, transactions and requests submitted via e-banking services, fees and charges are collected as listed in other Chapters of this Schedule of Fees and Charges.

12 12 CHAPTER 6 PAYMENT CARDS a) Cards issued to accounts maintained as per tariffs listed in Chapter II and Appendix 2 BZ WBK Visa Business Electron Card MasterCard Business Debit BZ WBK Card BZ WBK Visa Business Card (with individual limit of expenses) BZ WBK Visa Business Charge Card MasterCard Business BZ WBK Charge Card BZ WBK Visa Business Gold Charge Card Card fee: 1) for the card issued for the PLN denominated account maintained in the Tariff: a) Konto Firmowe Godne Polecenia; Konto Firmowe Godne Polecenia Premium; MINI Business Package b) Business Package MOBI, Business Package OPTI and Business Package with Terminal c) MAXI Business Package and for Agro-business free of charge / PLN 7 *** free of charge / PLN 6 ** free of charge / PLN 5 ** free of charge / PLN 7 *** free of charge / PLN 6 ** free of charge / PLN 6 ** BZ WBK Visa Business in EUR PLN 130 * PLN 130 * PLN 130 * PLN 300 * - 2) card issued to the account operated under other tariff than the one listed in item 1) free of charge / PLN 6 ** free of charge / PLN 6 ** PLN 130 * PLN 130 * PLN 130 * PLN 300 * EUR 25 * * Annual fee. ** The fee is collected monthly if BZWBK did not settle in the previous month non-cash transactions executed with the use of the card and amounting to min. PLN 500. *** The fee is collected monthly if BZWBK did not settle in the previous month non-cash transactions executed with the use of the card and amounting to min. PLN Arrangement fee calculated on the amount of the limit to be authorised (one off payment) % 1% 1% - Arrangement fee does not apply to renewed cards, in the case of agreements on more than one charge payment card, the fee is collected on the sum of the limits granted. 3. Express production of a new card (up to 5 business days after the date of signing the Payment Card Agreement by the customer) PLN 30 PLN 30 PLN 50 PLN 50 PLN 50 free of charge EUR Issue of a card duplicate PLN 10 PLN 10 PLN 10 PLN 10 PLN 10 PLN 10 EUR Issuing a substitute card abroad - PLN equivalent of 1) PLN equivalent of 2) PLN equivalent of USD 185 EUR 148 EUR 148 2) free of charge PLN equivalent of USD 185 1)

13 13 6. Cash withdrawal with a card BZ WBK Visa Business Electron Card MasterCard Business Debit BZ WBK Card BZ WBK Visa Business Card (with individual limit of expenses) BZ WBK Visa Business Charge Card MasterCard Business BZ WBK Charge Card BZ WBK Visa Business Gold Charge Card BZ WBK Visa Business in EUR 1) in BZWBK24 network ATMs free of charge free of charge 3% min. PLN 5 3% min. PLN 5 3% min. PLN 5 3% min. PLN 5 3% min. EUR ) in Poland: in ATMS outside BZWBK24 network, in BZWBK Partner outlets and in terminals of other domestic institutions 3) in ATMs and terminals of other institutions abroad free of charge * / PLN 5 ** / 3.5% min. PLN 5 PLN 5 / 3.5% min. PLN 5 *** 3.5% min. PLN 5 3.5% min. PLN 5 3.5% min. PLN 5 3.5% min. PLN 5 3.5% min. EUR % 4% 4% 4% 4% 4% 4% min. EUR 3 4) cash back service free of charge free of charge * It applies to cards issued to accounts maintained as per MAXI Tariff and Agrobusiness Tariff. ** Applies to cards issued to accounts maintained as per Business Package MOBI Tariff, Business Package OPTI Tariff and Business Package with Terminal Tariff. *** Applies to cards issued to accounts maintained as per Business Package MINI Tariff, Konto Firmowe Godne Polecenia and Konto Firmowe Godne Polecenia Premium. 7. Emergency cash withdrawal abroad in case of a card loss PLN equivalent of USD 103 1) PLN equivalent of 1) PLN equivalent of 2) PLN equivalent of USD 103 EUR 95 EUR 95 2) free of charge PLN equivalent of USD 103 1) 8. Effecting non-cash transaction free of charge free of charge free of charge 1.2% 1.2% 1.2% free of charge 9. Conversion of a transaction made in a currency different from the account currency (calculated on the transaction value after conversion to the account currency) 10. Generating a history of transactions 2.8% 2,8% free of charge free of charge free of charge free of charge free of charge 1) for a company (collective) PLN 5 PLN 5 free of charge free of charge free of charge free of charge free of charge 2) for a card holder PLN 7 PLN 7 PLN 7 free of charge free of charge free of charge EUR Checking the balance of available funds in ATMs 12. Change of PIN in the following ATM networks BZWBK Generation of a new PIN for a card at the holder's request PLN 2.50 PLN 2.50 PLN 2.50 free of charge free of charge free of charge EUR 0.50 PLN 8.50 PLN 8.50 PLN 8.50 PLN 8.50 PLN 8.50 PLN 8.50 EUR 2 PLN 10 PLN 10 PLN 10 PLN 10 PLN 10 PLN 10 EUR ) The rate is set by Visa International. The Bank will each time inform about a change in the fee. Calculated at the Bank s fx sell rate applicable as at the day of settling the fee by Visa International. 2) The rate is set by MasterCard. The Bank will each time inform about a change in the fee. The currency is converted at the FX sell rate applicable in BZ WBK on the date of fee settlement by MasterCard.

14 14 b) Cards issued to accounts maintained as per tariffs listed in Appendix 3 BZWBK MasterCard Business Debit card BZWBK MasterCard Business charge card BZ WBK Visa Business in EUR Card fee: * Annual fee. ** The fee is collected monthly if in the previous calendar month BZ WBK did not settle non-cash transactions executed with the use of the card for the min. amount of PLN 500. *** The fee is collected monthly if in the previous calendar month BZ WBK did not settle non-cash transactions executed with the use of the card for the min. amount of PLN Arrangement fee accrued against the limit granted for authorization (payable one-off) Arrangement fee does not apply to renewed cards, in the case of agreements on more than one charge payment card, the fee is collected on the sum of the limits granted. 3. Fee for express issuance of a new card (up to 5 business days from signing the payment card agreement by the customer) free of charge / PLN 6 ** 1) 2) PLN 130 EUR 25 * free of charge / PLN 7 *** - 1% - PLN 30 PLN 50 EUR Issuance of Card duplicate PLN 10 PLN 10 EUR Replacement card issuance abroad PLN equivalent of EUR 148 3) PLN equivalent of EUR 148 3) PLN equivalent of USD 185 4) 6. Cash withdrawal with a card: 1) in BZWBK24 ATMs free of charge 3% min. PLN 5 3% min. EUR ) domestically: in ATMs outside BZWBK24 network, in BZ WBK branches, in BZ WBK Partner outlets and in domestic terminals of other institutions PLN 5 1) / 3.5% min. PLN 5 2) 3.5% min. PLN 5 3.5% min. EUR ) in ATMs and terminals of other institutions abroad 4% 4% 4% min. EUR 3 4) cash back free of charge Emergency cash withdrawal abroad in the case of losing the card PLN equivalent of EUR 95 3) PLN equivalent of EUR 95 3) PLN equivalent of USD 103 4) 8. Non-cash transaction free of charge 1.2% free of charge 9. Generating a history of transactions 1) for companies (collective) PLN 5 free of charge free of charge 2) for the card user PLN 7 free of charge EUR Checking the available balance of funds in ATMs PLN 2.50 free of charge EUR Change of PIN number in ATMs of the BZWBK24 network PLN 8.50 PLN 8.50 EUR Generating a new PIN number for an issued card made at a holder s request PLN 10 PLN 10 EUR ) Applies to accounts which before were kept on conditions set forth in PART I B OF THE SCHEDULE OF FEES AND CHARGES COLLECTED FROM SME CUSTOMERS FOR PRODUCTS AND SERVICES PROVIDED BY BANK ZACHODNI WBK S.A. AS THE LEGAL SUCCESSOR OF KREDYT BANK S.A. 2) Applies to accounts which before were kept on conditions set forth in PART I C OF THE SCHEDULE OF FEES AND CHARGES COLLECTED FROM BZWBK BUSINESS CUSTOMERS SERVICED IN RETAIL BANKING DIVISION OF THE FORMER KREDYT BANK S.A. FOR PRODUCTS AND SERVICES PROVIDED BY BANK ZACHODNI WBK S.A. AS THE LEGAL SUCCESSOR OF KREDYT BANK S.A.

15 15 3) The rate is set by MasterCard. The Bank will each time inform about a change in the fee. Currency conversion at the fx rate applicable in BZ WBK as at the date of settling the fee by MasterCard. 4) The rate is set by Visa International. The Bank will each time inform about a change in the fee. Currency conversion at the fx rate applicable in BZ WBK as at the date of settling the fee by Visa International. CHAPTER 7 OTHER PAYMENTS INSTRUMENTS Fees and charges for banking activities related to other payment instruments are collected as per the Schedule of Fees and Charges collected by Bank Zachodni WBK S.A. for banking activities provided to companies - Electronic money instruments and other electronic payment instruments". CHAPTER 8 FOREIGN CURRENCY TRANSACTIONS Fee Payment order 1) Payment orders sent to a BZ WBK account: a) SEPA PLN 5 b) other PLN 10 Fees specified in it. 1) do not apply to transactions the BZ WBK costs of which are borne by the payer (ordering party) fees for such transactions are collected as per the Schedule of Fees and Charges for Banks. 2) Outgoing payment orders: a) placed via e-banking services - SEPA PLN 10 - other 0.25%, min. PLN 25 max. PLN 200 b) placed in BZ WBK branch 0.35%, min. PLN 60 max. PLN 300 3) Additional fees and charges for outgoing payment orders: a) sending a payment order (exclusive of SEPA payment orders) as: - urgent transaction executed in BZ WBK outlet or via electronic banking services (payment in EUR, USD, GBP and PLN, excl. payments as per the Act on Payment Services in EUR in the case of which only the fees listed in point 2) are applicable) 0.1%, min. PLN 5 max. PLN express transaction placed via e-banking services (payment in EUR, USD, GBP and PLN excluding Target payment orders) 0.2%, max. PLN express transaction executed in BZ WBK outlet (payment in EUR, USD, GBP and PLN excl. Target payment orders) 0.3%, min. PLN 20 max. PLN express for Target payment order transaction effected via electronic banking services 0.2%, max. PLN express - Target payment order - transaction executed in BZ WBK outlet 0.3%, min. PLN 20 max. PLN 180 plus PLN 20 b) sending a payment order to a different bank to the beneficiary s account in a format other than IBAN (for each message) PLN 20 c) flat rate fee, when the costs of the intermediary banks and the beneficiary s bank are borne by the payer (ordering party), for payment orders in the currency:

16 16 Fee - EUR- payment order totalling EUR 1000 or lower EUR 15 - EUR- payment order in excess of EUR 1000 EUR 25 - USD USD 30 - GBP GBP 12 - AUD AUD 25 - CAD CAD 20 - CHF CHF 25 - DKK DKK 70 - NOK NOK SEK SEK CZK CZK JPY JPY PLN PLN OTHER PLN 75 When costs of mediating banks exceed the amount of a flat rate payment three times, BZ WBK S.A. may charge the client with the difference between the flat rate payment and the actual costs. The above rule does not apply to payments subject to the Payment Services Act. 4) Electronic confirmation of the payment order: a) conclusion and execution of the agreement PLN 20 b) confirmation of the payment order (for each confirmation) PLN 3 5) Issuing the copy of payment order SWIFT message (for each message) PLN 15 6) Executing incoming MT101 messages: a) concluding agreement on MT101messages ( Agreement MT 101 ) and service activation PLN 200 b) executing transfer order or payment order based on incoming MT101 message as per MT101 Agreement c) when the MT101 Agreement lacks clauses on fee for MT101 messages: - Effecting in ELIXIR a transfer order based on incoming MT101 message PLN 6 - Effecting in SORBNET a transfer order based on incoming MT101 message PLN 5 Fees and charges for effecting transfer orders based on incoming MT101 message are collected in accordance with Chapter VIII 1. hereof. 7) Non-standard activities referring to payment orders an order to confirm the crediting of beneficiary s account based on a payment order sent from BZ WBK, changes in details of a payment order sent from BZ WBK, cancellation of a payment order sent from BZWBK A relevant fee is collected for each activity indicated in item 7). regardless of the effectiveness of the order execution costs of third party banks + PLN 50 8) Cancellation of the outgoing payment order not sent from BZ WBK PLN 25 9) Return of a payment order sent from BZWBK and executed by a third-party bank costs of third party banks + PLN Cheques in international turnover 1) Cheque encashment: Cheques are cashed only when the presenter holds an account with BZ WBK.

17 17 Fee a) collection In case of encashment of cheques payable in the same bank and in the same currency accepted from one presenter and on one list, the fee is charged on the total value of cheques, in accordance with relevant thresholds.. b) settlement with recourse The list includes cheques payable in the same bank and in the same currency the fee is charged per each cheque to be cleared. c) abbreviated settlement with recourse NOTEL The list includes cheques payable in the same bank and in the same currency the fee is charged per each cheque to be cleared.. 2) Non-payment of cheque by the drawee 0.15%, min. PLN 150 max. PLN costs accrued by the ordering party s bank and intermediary banks PLN 40 + costs accrued by the ordering party s bank and intermediary banks PLN 60 + costs accrued by the ordering party s bank and intermediary banks PLN 30 + costs of the check drawer s bank and of mediating banks CHAPTER 9 TRADE TRANSACTIONS Fee Cheque collection 1) Dispatch of documents or bills of exchange (promissory notes) for collection 0.2%, min. PLN 150 max. PLN 500 2) Handing out documents without payment / return of non-collected documents / cancellation of documents PLN 100 3) Change of collection terms & conditions PLN Third party cheque collection 1) Handing out documents related to the acceptance of cheque collection or acceptance of a drawn bill or issuing of own bill of exchange or, meeting other conditions 0.2%, min. PLN 200 max. PLN 800 2) Handing out an accepted drawn bill or own bill of a purchaser for payment 0.2%, min. PLN 200 max. PLN 800 3) Obtaining the acceptance of a drawn bill and its return to the presenter 0.2%, min. PLN 200 max. PLN 800 4) Handing out documents without payment / return of non-collected documents / cancellation of documents PLN 100 5) Endorsement of documents issued for the Bank or, issuing a statement authorising to collect goods PLN 200 6) Presentation of a bill for protest The fee is increased by the Bank s costs and fees. 7) Change of collection terms & conditions PLN Third party letter of credit 1) Advising a third party letter of credit PLN 300 2) Confirmation of a third party letter of credit based on the Bank s decision The fees are calculated: a) for each commenced 3-month period of the L/C validity, including a period of potential payment deferral, b) on the value of the L/C, including potential tolerance. PLN 250

18 18 Fee 3) Change of the letter of credit terms & conditions: a) increase in the amount or, extension of the L/C validity term: - third party transferred L/C - third party confirmed L/C The fee for extending the validity term is collected for each commenced 3-month validity term, on the L/C balance, unless the extension exceeds the term for which the fee has already been collected. When the L/C amount is increased, the fee is collected on the increased amount. b) another change in terms & conditions of the L/C, including cancellation of the L/C or write-down of an unused L/C balance 0.2% min. PLN 250 based on the Bank s decision 4) Checking documents at the customer s request within a non-confirmed L/C PLN 300 5) Provisional verification of a document s conformity with the L/C terms & conditions at the customer s request (on each document) PLN 30 6) Payment of funds under a L/C (on the documented amount) 0.25% min. PLN 250 7) Transfer of a third party L/C The fee is collected on the first beneficiary, unless otherwise agreed. PLN % min. PLN 250 8) Supervision over a deferred payment PLN 200 9) Transfer of inflows PLN Forfaiting (purchase of export receivables) as per agreement + VAT 5. Own letter of credit 1) Intake and processing of a request to open own L/C filed: a) as a hard copy b) via e-banking services (ibiznes24): 2) Opening own L/C The fees are accrued: a) for each commenced 3-month period of the L/C validity, including the period of potential payment deferral, b) on the value of the L/C, including potential tolerance, c) they are collected in advance for the entire period of the L/C validity, including the period of potential payment deferral. 3) Increase in the amount or extension of the L/C validity term The fee for extending the validity term is collected for each commenced 3-month validity term, unless the extension exceeds the term for which the fee has already been collected. When the L/C amount is increased, the fee is collected on the increased amount. 4) Other change in terms & conditions of L/C a) including the extension of the L/C validity term if the extension falls within the term for which the fee has already been collected b) cancellation or write down of the non-utilised L/C balance When conditions referred to in items 3) 4) are amended simultaneously, only one fee is collected the higher one. PLN 250 free of charge 0.35% min. PLN % min. PLN 250 5) Review of documents incompliant with the L/C terms & conditions - the fee debits the beneficiary s account PLN 250 6) Supervision over a deferred payment PLN 200 7) Payment of funds under a L/C (on the documented amount) 0.2% min. PLN 250 8) Endorsement of documents issued for the Bank or issuing a statement authorising to collect goods PLN 200 9) Drafting a letter of credit at the Customer s request PLN Third party guarantee / Third party standby L/C (SBLC) 1) Advising and / or registration of third party guarantee / SBLC or, changes to third party guarantee / SBLC PLN 300 2) Checking the authenticity of third party guarantee / SBLC or, changes to third party guarantee / SBLC PLN 300 3) Checking a claim and / or documents PLN 300 PLN 200

19 19 Fee 4) Confirming to the Bank the authenticity of signatures put under a claim/ conformity of such signatures with the signature specimen card (when a transaction is not managed by BZWBK). 5) Payment under a guarantee (the fee is accrued on the requested payment amount) 0.25%, min. PLN 200 max. PLN Own guarantee / Own standby L/C (SBLC) / Own re-guarantee / Aval 1) Arrangement fee for issuing a guarantee, counter-guarantee, SBLC and aval 1) The arrangement fee is calculated on the amount of the commissioned banking service. 2) The fee is payable one-off on the agreement conclusion day. 3) If a guarantee limit is granted, the arrangement fee may be calculated and paid one-off on the amount of the granted limit or the amount of each issued guarantee on the day of its issuance or both on the amount of the limit and each issued guarantee. 2) Fee for using the guarantee, counter-guarantee, SBLC and aval (for each commenced 3-month validity term) The fee is accrued on the transaction amount and collected on the first day of each fee accrual period. 3) Increase in the guarantee / re-guarantee / aval / SBLC amount 1) If the increase becomes effective within the already paid 3-month term, the fee is collected on the increased amount, as per the rate agreed when granting a given product. 2) For a new, 3-month validity term, the fee is collected as for a new guarantee. 4) Another change in terms & conditions of an own guarantee / SBLC, including an extension of the validity term, if the extension falls within the term for which the fee has already been collected When conditions referred to in items 2) 3) are changed simultaneously, only one fee is collected the higher one. PLN 300 min. 1% not less than PLN 500 * - 5% min. PLN 300 * - 5% min. PLN 300 * PLN 200 * 5) Payment of funds under a guarantee / re-guarantee / aval / SBLC - on the claim amount min. PLN 200 * 8. Additional fees and charges 1) Telecommunication costs A flat fee is collected one-off, in advance, on a single transaction: collection, L/C, forfeiting and guarantee, re-guarantee / SBLC. * or an equivalent of this amount in another currency PLN 50 CHAPTER 10 LOANS AND LOAN-RELATED SERVICES Fee Processing request for a loan / loan related service sanction free of charge 2. Arrangement fee (for sanction or renewal of a loan / loan-related service for another period): 1) w/c and investment loans excluding facilities for Local Administration Units: a) loan of up to PLN 300k inclusive * min. 3.5% b) loan from PLN 300k to PLN 500k inclusive * min. 2% c) loan above PLN 500k * min. 1% 2) w/c and investment loans for Local Administration Units (LAUs) min. 3) other loans and loan-related services min. 1% min. PLN 500 *

20 20 Fee 1) Front-end fee is calculated on the sanctioned loan / loan service. 2) Fee payable one-off on the date of concluding the loan agreement. 3) In case of sanctioning a loan for financing payments related to L/Cs or security for L/Cs opened by BZ WBK, the fee is calculated for the entire period of agreement s validity. 3. Fee for the overdraft limit 1.25% Rate for a calendar month. Fee calculated on the amount of the utilized limit as a product of the daily fee and the number of days in the accounting year defined in the form of the quotient 365/365 (366/365 in the leap year),exact to %. The fee is collected in the month following the month when the overdraft was used. 4. Fee for automatic extension of the lending period the fee is payable on the day of the automated extension of the lending period 2.5% The automated extension of the lending period means deferring the overdraft repayment date by one year based on the existing conditions without any need to conclude an annex to the agreement in writing. 5. Commitment fee (on an annual basis) min. 2% 1) Commitment fee applies to w/c and investment loans. It is collected on the difference between the loan made available and the disbursed loan amount. The annual fee is calculated as a product of daily commitment fee and the number of days in the accounting year specified in the loan agreement. Daily and annual commitment fee is calculated exact to %. 2) The fee is not collected on loans for financing payments related to L/Cs and security for L/Cs opened by BZ WBK as well as on loans for financing payments related to conditional purchase of checks. 6. Fee for early loan repayment min. 5% Early repayment fee applies to w/c and investment loans except for overdrafts / f/x and revolving loans. It is calculated on the amount repaid ahead of the due date specified in the repayment schedule. 7. Changes in terms & conditions of a loan / loan-related service agreement 1) increase in the amount or extension of the loan agreement validity period / prolongation of a loan instalment / loan / loan-related service repayment min. 1.5% min. PLN 200 * 2) other changes (e.g. extension of a tranche/loan availability, change of security cover) min. PLN 500 * 1) The fee is collected one-off and is calculated against the amount covered by annex / increased amount / prolonged amount. 2) In the case of making several changes to terms and conditions of the loan agreement at the same time, one higher - fee shall be collected. 3) No fee is collected when: a) change to the contractual conditions stems from their adjustment to the commonly applicable laws (the so-called external regulations), b) when a change to the agreement consists in increasing the mortgage amount as a result of the mortgage security covering up another credit product. 8. Request processing and sanction in principle with respect to a loan / loan-related service (calculated on the promised amount; in the case of sanctioning a loan / loan service, the fee is taken towards the front-end fee) min. 0.25%, Fee for failure to maintain the inflows, listed in the credit agreement 0.15% 1) The fee is collected monthly on the disbursed loan amount taking into account the repayments made as at the last day of the month preceding the verification of the fulfilment of the condition referring to the required level of monthly inflows The fee is collected in the case of: term loans, working capital loans, Business Express loans, Business Express EIB loans and Business Express Hipoteka (Mortgage). 2) The fee is collected monthly on the credit limit amount as at the last day of the month preceding the verification of the fulfilment of the condition referring to the required level of monthly inflows Applies to O/D facilities. 10. Fee for failure to provide the Bank with the loan security insurance policy 1) Note: Fee collected in the month, in which the Bank verifies it has not been collected yet 2) Fee collected for each started month after the expiry of the term stated in the insurance policy 11. Producing a repayment capacity certificate: 1) customer with credit exposure up to PLN 1m PLN 200 2) customer with credit exposure in excess of PLN 1m PLN Producing a written explanation re. repayment capacity assessment: 1) loan up to PLN 1m PLN 150 2) loan in excess of PLN 1m PLN Producing: 1) Promise of approval to release a mortgage: 20 PLN

21 21 Fee a) on one unit / property PLN 100 b) on more than one unit / property PLN 500 2) Approval to release a mortgage: a) on one unit / property PLN 100 b) on more than one unit / property PLN Debt restructuring - fee for producing annexes / agreements / debt take-over agreements / debt participation agreements / arrangements / settlements, related to the debt restructuring stemming from the utilisation of loan / loan-related service Debt restructuring fee is an additional fee, collected one-off regardless of the other charges and fees specified in this chapter. It is calculated on the amount of the debt subject to restructuring or the amount covered by the annex. * or an equivalent of that amount in another currency 1% - 5%, min. PLN 200 1) The Chapter refers to the following loans / loan-related services: a) w/c and investment loans including short-term overdraft facilities, overdrafts in current / fx accounts, w/c loans in a credit account, loans for pre-financing an export contract, business loans: Biznes Ekspres EBI (Business Express EBI) and Biznes Ekspres Hipoteka (Business Express Mortgage, investment loans, investment loans for thermal modernisation projects, loans for technological innovations, developer loans in a credit account, home / commercial investment loans, land purchase loans, Equity Release, b) other loans and credit services, including loans for the purchase of securities on the primary market and during the first public offering, credit limits for financing export receivables, purchase of receivables. 2) In the case of w/c and investment loans sanctioned to LAUs only the arrangement fee is collected BZ WBK does not collect other credit fees and charges from that group of customers. 3) In the case of loans sanctioned in cooperation with ARiMR the total of fees for reviewing application and the arrangement fee cannot exceed the loan fee defined in the agreement concluded by and between BZ WBK and ARiMR. The currently applicable fee is listed at in the preferential loans section. CHAPTER 11 SECURITIES ACCOUNTS OPERATED IN BZ WBK HEAD OFFICE AND OTHER ACTIVITIES RELATED TO HANDLING OF TREASURY TRANSACTIONS Fee Securities account 1) Account opening and maintenance, effecting transaction on the secondary market, print out and dispatch of information on the securities portfolio balance / account balance, blockade of the securities in the account, transfer of securities between portfolios 2. Other activities related to handling of Treasury transactions free of charge 1) Drafting of a history of operations in settlement account (for each commenced month) PLN 10 CHAPTER 12 OTHER FEES AND CHARGES Fee Cash lodgement by a company 1) Lodgement to a personal account kept with BZ WBK free of charge