LIST OF STANDARD COSTS OF THE BANK INDIVIDUALS August, 11th 2015

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1 LIST OF STANDARD COSTS OF THE BANK INDIVIDUALS August, 11th

2 INTESA SANPAOLO BANK offer dedicated to individuals STANDARD Current Account MY SALARY MY PENSION LIDER EXCLUSIV Best solution for sporadic users of banking services and those who have a preference for deposits Pay per use: Each additional service is charged for every use Best solution for employees collecting their salaries through Intesa Sanpaolo Bank, under a salary transfer agreement concluded by the employer with the Bank Reduced costs for current account additional services: debit card, internet banking, credit card Best solution for retired persons of Public Pensions National Houses / Casa Naţională de Pensii Publice collecting their pensions through Intesa Sanpaolo Bank current account additional services: debit card Best solution for frequent users of banking services Reduced costs for current account additional services and products: debit card, internet banking, credit card Exclusive solution for intensive users of banking services Reduced costs for current account additional services: debit card, internet banking, credit card The only package offering 0% commission at cash withdrawals from all the ATMs worldwide 2

3 MY SALARY MY PENSION LIDER EXCLUSIV Included in the package CURRENT ACCOUNT 0% fee for incomings in lei and in foreign currency 0% fee for cash deposits 0% fee for salary collection reduced fee for withdrawals from bank counters reduced fee for SEPA payments available in LEI, EURO 0% fee for pension collection 0% fee for withdrawals from bank counters up to 2,000 Lei available in LEI reduced fee for withdrawals from bank counters reduced fee for SEPA payments available in LEI, EURO 0% fee for withdrawals from bank counters up to 30,000 Lei or equivalent 0% fee for SEPA payments available in LEI, EURO 3

4 MY SALARY MY PENSION LIDER EXCLUSIV Included in the package DEBIT CARD 0% fee for cash withdrawals from any ATM of INTESA SANPAOLO BANK, CEC BANK and EURONET 0% fee for cash withdrawals from any ATM of INTESA SANPAOLO BANK 0% fee for cash withdrawals from any ATM of INTESA SANPAOLO BANK, CEC BANK and EURONET 0% fee for cash withdrawals from any ATM worldwide 0% fee for card transactions at traders in the country and abroad 0% fee for Internet payments 0% fee for main card issue and administration 4

5 MY SALARY MY PENSION LIDER EXCLUSIV optional optional optional included in the package INTERNET BANKING 0% fee for service administration reduced fees for payments in lei and in foreign currency 0% fee for SEPA payments reduced fees for payments in lei and in foreign currency 0% fee for service administration reduced fees for payments in lei and in foreign currency 0% fee for SEPA payments 0% fee for service administration 0% fee for payments in lei up to 50,000 reduced fees for payments in foreign currency 0% fee for SEPA payments Authentication application by phone 5

6 MY SALARY MY PENSION LIDER EXCLUSIV optional CREDIT CARD 25% discount on annual administration fee for MASTERCARD STANDARD or MASTERCARD GOLD credit cards - 25% discount on annual administration fee for MASTERCARD STANDARD or MASTERCARD GOLD credit cards 50% discount on annual administration fee for MASTERCARD STANDARD or MASTERCARD GOLD credit cards 50% discount on monthly administration fee for MASTERCARD PLATINUM credit cards My Salary, Lider, Exclusiv s include only accounts in LEI and EURO and all above mentioned fees only apply to transactions in LEILE and EURO. If you want to perform transactions also in other currencies you must open Standard Account for each individual currency, paying the commissions in accordance with commissions for Standard Account. 6

7 CURRENT ACCOUNTS ACCOUNTS Standard Account Lider Exclusiv Account opening eq. 5 Lei Switch from one account type to another Modification of signature specimen eq. 5 Lei Account / maintenance eq Lei/client/month First month: In case of multiple accounts opened in different currencies, the account holder will pay the commission for only one account. 6 eq. Lei/month First month: The commission will be decreased with 50% (down to 3 Lei) for each month in which the LIDER account is credited (by cash deposit or credit transfer) with a minimum amount of 300 Lei (or equivalent) 29 Lei/month First month: The commission will be decreased with 50% (down to 14.5Lei) for each month in which the LIDER account is credited (by cash deposit or credit transfer) with a minimum amount of 2,000 Lei (or equivalent). Issuing of account statement Account closure 7

8 CASH OPERATIONS CASH DEPOSITS AT BANK COUNTERS Standard Account Lider Exclusiv Cash deposit (Lei and other currencies) Cash deposit in the current account of other currencies than Lei, EUR, USD, CHF, HUF and GBP 0.50% from deposited amount CASH WITHDRAWALS FROM BANK COUNTERS Not applicable Cash withdrawal Lei * 0.50% of the value of the amount withdrawn Cash withdrawal foreign currency * 0.60% min eq 2 Euro 0.30% of the value of the amount withdrawn monthly, up to 30,000 Lei: Free of charge monthly, over 30,000 Lei: 0.30% of the value of the amount withdrawn Unannounced cash withdrawal ** Cash withdrawal announced and not performed 0.75% of the value of the amount withdrawn 0.10% of the amount of the announced and not performed withdrawal *Certificates of deposit, pensioners term deposits, deposits with progressive interest, deposits with variable interest and deposits for retired persons have 0% cash withdrawal commission on the deposit due date, if the withdrawal is performed in product's original currency. If the due date is not a business day, the 0% commission on cash withdrawal applies on the next business day. ** Any cash withdrawal over 10,000 Lei or equivalent must be announced 1 day in advance and any cash withdrawal over 50,000 Lei or eq. 5,000 Euro for foreign currency must be announced 2 days in advance. If the Bank, through its unit, has the amount requested and not announced by the client, the client request can be performed. Check of foreign currency authenticity banknote 0.50 Lei/checked banknote for non-clients 8

9 TRANSFERS DOMESTIC TRANSFERS INCOMING PAYMENTS Payment order incomings from clients of other banks inter-bank (Lei/operation) Payment order incomings from other clients of the Bank intra-bank (Lei/operation) Transfers between accounts of the same Client intra-bank (Lei/operation) Remittance of debit instruments for collection (intra- and inter-bank) (Lei/instrument) Standard Account Lider 2 Lei Exclusiv DOMESTIC TRANSFERS OUTGOING PAYMENTS Payment order outgoings to clients of other Banks inter-bank (Lei/operation) Transaction value Standard Account Lider Exclusiv -up to 500 Lei 3.5 Lei 3.5 Lei -between , Lei 7 Lei 7 Lei -over 50,000 Lei 19 Lei 19 Lei 10 Lei Payment order outgoings to other clients of the Bank intra-bank (Lei/operation) Refusal / revocation / recover of payment inter-bank (Lei/operation) Note: In case of small value payments (below 50,000 Lei) processed as large value payments (over 50,000 Lei), the transfer is charged with the commission for large value transfers. Commissions on Lei transactions include TransFond/NBR fees. 9

10 INTERNATIONAL TRANSFERS INCOMING PAYMENTS Incomings - BEN/SHA/OUR in favor of Bank's clients Standard Account Lider Exclusiv INTERNATIONAL TRANSFERS OUTGOING PAYMENTS (1) Payment order outgoings (Euro/operation) Correspondent bank fee for OUR payments to Bank s clients intra-bank to other Banks clients inter-bank to other Banks clients inter-bank - SEPA transfer Operations in Euro Operations in USD Operations in GBP Operations in CHF Operations in NOK Operations in SEK Operations in DKK Operations in CAD Standard Account 0.20% min 10 Euro max 1,000 Euro Lider 0.20% min 10 Euro max 1,000 Euro Exclusiv 1.5 Euro 20 Euro 40 USD 20 GBP 30 CHF 250 NOK 200 SEK 245 DKK Operations in other currencies eq 25 Euro Amendment/investigation of payments (eq Euro/operation) (Does not apply for incomings coming from UE /EEA* countries, Switzerland and eq 25 Euro Monaco, in the currencies of these states) Note: In case of any outgoing in foreign currency, the SWIFT transmission charges specific to the /account owned by the client will be charged additionally. 45 CAD 10

11 INTERNATIONAL TRANSFERS OUTGOING PAYMENTS (2) Standard Account Lider Exclusiv Notification of payment refusal (Euro/operation) Operations in Euro 10 Euro Operations in USD, CAD, AUD or JPY eq 40 USD Operations in GBP 25 GBP Revocation/recovery of Operations in CHF 50 CHF payments Operations in NOK, SEK or DKK 20 Euro Operations in HUF 5,000 HUF Operations in PLN 120 PLN Operations in other currencies eq 30 Euro Urgency commission (Euro/operation) eq 30 Euro SWIFT transmission (Euro/operation) 12 Euro 3 Euro Documents sent through special delivery (Euro/operation) commission debited on document collection eq 45 Euro *EU countries: Austria, Belgium, Bulgaria, Croatia, Cyprus, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, United Kingdom, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden EEA countries: Liechtenstein, Island, Norway 11

12 INTERNET BANKING INTERNET BANKING Domestic outgoing payments to other banks clients inter-bank (Lei/operation) Transaction value Domestic outgoing payments to other Bank s clients intra-bank (Lei/operation) International outgoing payments to other Banks clients inter-bank (foreign currency/operation) International outgoing payments to other Banks clients inter-bank - SEPA transfers (foreign currency/operation) Activation/change of Standing Order in Standard Account Lider Exclusiv -up to 500 Lei 2 Lei 1 Leu -between and 49, Lei 5 Lei 1 Leu -over 50,000 Lei 16 Lei 5 Lei 5 Lei 0.15% min 10 Euro max 600 Euro 0.15% min 10 Euro max 600 Euro Maintenance of application (Euro/month/contract) 2 Euro First month Free of charge Guarantee for hard token 5 Euro Lost/stolen/damaged hard token 20 Euro 20 Euro 20 Euro Installation of mobile token (Euro/device) (one-off) 1 Euro 1 Euro 1 Euro LIMITS ON TRANSACTIONS BY INTERNET BANKING Daily limits Monthly limits LEI or equivalent EUR LEI or equivalent EUR Commissions on Lei transactions include TransFond/BNR fees. Note: In case of any outgoing in foreign currency, the SWIFT transmission charges specific to the /account owned by the client will be charged additionally. 12

13 DIRECT DEBIT DIRECT DEBIT Standard Account Lider Exclusiv Set up of Direct Debit Mandate Maintenance of Direct Debit Mandate Direct Debit payments to other Bank s clients intra-bank (Lei/operation) Direct Debit payments to other Banks s - up to 500 Lei 2 Lei 1 Leu clients inter-bank (Lei/operation) - between and49, Lei 5 Lei 1 Leu Transaction value - over 50, 000 Lei 16 Lei 5 Lei 5 Lei STANDING ORDER STANDING ORDER Activation/change of Standing Order at the bank's desk (Lei/operation) Standing order payments to other Bank s clients intra-bank (Lei/operation) Standing order payments to the same client's accounts intra-bank Standing order payments to other Banks clients inter-bank (Lei/operation) Transaction value Standard Account Lider Exclusiv 2 Lei - up to 500 Lei 2 Lei 1 Leu - between and 49, Lei 5 Lei 1 Leu - over 50,000 Lei 16 Lei 5 Lei 5 Lei Commissions on Lei transactions include TransFond/BNR fees. Note: In case of any outgoing in foreign currency, the SWIFT transmission charges specific to the /account owned by the client will be charged additionally. 13

14 DOCUMENTARY PAYMENT ORDER Approval of DOCUMENTARY PAYMENT ORDER (Lei, Foreign Currency/approval) Payment of DOCUMENTARY PAYMENT ORDER (Lei, Foreign Currency/operation) Amendment (received/issued)/investigations/cancelation of DOCUMENTARY PAYMENT ORDER (Euro/operation) CLEAN COLLECTION Approval/transmission of CLEAN COLLECTION (cheques, promissory notes, bills of exchange) Payment of CLEAN COLLECTION (cheques, promissory notes, bills of exchange) Return of unpaid CLEAN COLLECTION (Euro/instrument) LETTER OF GUARANTEE RECEIVED Notification of LG receipt (without our Bank s confirmation) (Euro/operation) Cancellation of received LG (Euro/operation) Sending a payment request for the execution of a received LG (Euro/operation) Amendment/investigation/cancelation (Euro/operation) Verifying of authorized signatures (charged only if the request is received from a non-bank client) (Euro/operation) PERFORMANCE BOND Analysis of Performance Bond (% of the deposit's total value) Opening of Performance Bond (Lei/operation) 0.10% min 50 Euro 0.20% min 50 Euro 25 Euro 0.15% min 25 Euro max 500 Euro 0.20% min 10 Euro max 1,000 Euro 5 Euro 50 Euro 25 Euro 0.10% min 75 Euro max 500 Euro 25 Euro 25 Euro 0.07% min 15 Lei 5 Lei 14

15 EXPRES TO FAMILY EXPRES TO FAMILY Money transfer from Italy to Romania Incomings the commission is paid by the beneficiary If the beneficiary has account opened with Intesa Sanpaolo Bank Romania Incomings the commission is paid by the beneficiary If the beneficiary has not account opened with Intesa Sanpaolo Bank Romania TRANSFERRED AMOUNT 0-3,098 Euro 3, ,000 Euro 14 Euro 24 Euro MY PENSION PACKAGE MY PENSION PACKAGE dedicated to pensioners that cash their pension in the account opened with Intesa Sanpaolo Bank SPECIAL FOR MY PENSION FOR WHICH FACILITIES ARE GRANTED PACKAGE Opening of standard account Maintenance of standard account Cash withdrawals Lei monthly, up to 2,000 Lei: Issuing of debit card, only for main card Card maintenance (Lei / card) Cash withdrawals from Bank's ATMs Cash withdrawals from ATMs / POS of other banks 0,50% + 2,5 lei is available as long as pension is cashed monthly in client s account opened with Intesa Sanpaolo Bank. 15

16 MY SALARY PACKAGE MY SALARY PACKAGE dedicated to employees who cash their salary in the account opened with Intesa Sanpaolo Bank FOR WHICH ARE GRANTED EXTRAFACILITIES OVER LIDER SPECIAL FOR MY SALARY PACKAGE PACKAGE Account opening Account maintenance Card issuing, only for main card Card maintenance (LeiI / card) Cash withdrawals from Bank's ATMs Cash withdrawals from ATM of CEC Bank Cash withdrawals from Euronet ATM Internet Banking Service subscription is available as long as salary is cashed monthly in client s account opened with Intesa Sanpaolo Bank, based on a salary transfer agreement concluded by the employer with the Bank. 16

17 STATE TITLES, DERIVATIVES STATE TITLES, DERIVATIVES Account opening for Treasury Bills (Lei/operation) Purchase/sale of Treasury Bills on secondary market Trading - Forward on exchange rate (Euro/ operation) 10 Euro Trading for limit order - Forward on exchange rate (Euro/operation) 5 Euro Mandate - Forward on exchange rate Trading - Swap on exchange rate (Euro/ operation) 10 Euro Penalty for non-settlement - Swap on exchange rate (% of value) 0.10% Mandate - Swap on exchange rate (Euro/ operation) T Participation in auction/subscription to Treasury Bills (Lei/operation) 100 Lei Payment and/or collection operations carried out through the settlement account of SNCDD (Lei/operation) Lei Payment and/or collection operations carried out through the settlement account of BVB (Lei/operation) Lei SAFE DEPOSIT BOXES SAFE DEPOSIT BOXES Safe deposit box rent (Lei/month/safe deposit box) Increased fee (Lei/month/safe deposit box) (Fee collected when there are overdue amounts to safe deposit box monthly rental fee) Safe deposit box replacement fee Replacement of access badge to safe deposit box Small: 80 Lei, VAT included Medium 1: 120 Lei, VAT included Medium 2: 150 Lei, VAT included Large: 200 Lei, VAT included Extra Large: 250 Lei, VAT included Monthly cost + 50% Standard fee set by service provider 50 Lei 17

18 OTHER COMMISSIONS AND INTERESTS OTHER COMMISSIONS AND INTERESTS Unauthorized overdraft interest rate Lei 40% Euro 25% Unauthorized overdraft penalty interest rate Lei 40% Euro 25% Balance confirmation to auditor 50 Euro Issue of letter of good standing (Lei/operation) 100 Lei CIP/CRB/BC Consulting on client request (Lei/operation) 10 Lei Procurement of Confirming Certificate from the Trade Register Office (Lei/operation) 120% of cost value Confirmation of authenticity and commitment competence of client signature (Lei/operation, VAT included) 100 Lei Account seizure fee (Lei/operation) eq Lei Lei Lei Outgoings payments from a seized account Foreign currency Lei Incoming payments in a seized account Foreign currency Reactivation blocked account due to unpaid account/package management fee (Lei/operation) Commissions on Lei transactions include TransFond/BNR fees. ESCROW DEPOSIT Standard value commission for payments in foreign currency depending on the type of payment and the type of the account held by Client Lei eq. 15 Lei ESCROW DEPOSIT Maintenance of Escrow Deposit 0,07%, min. eq. 100 Euro 18

19 ACCUMULATION PLAN ACCUMULATION PLAN Opening of accumulation plan Maintenance of accumulation plan Cash withdrawals Issuing of account statement Payments from/to Accumulation Plan intra-bank Standing order payment for Accumulation Plan Monthly saving amount Accumulation plan initial (opening) balance Minimum balance to be maintained on Accumulation Plan Transfer date Lei Euro Lei Euro Lei Euro Lei Euro 0.20%, min 1 Lei of amount withdrawn 0.20%, min. 1 Euro of amount withdrawn Min 40 Lei, max 4,000 Lei Min 10 Euro, max 1,000 Euro Min 40 Lei, max 10,000 Lei Min 10 Euro, max 2,500 Euro 40 Lei 10 Euro 5 th or 25 th of every month, depending on client's option VISA INSPIRE DEBIT CARDS VISA INSPIRE DEBIT CARDS LIDER EXCLUSIV* Issuing of main card // (Lei/issued card) The fee is charged also for replacement (reissuing) of the card on expiration. Issuing of supplementary card // (Lei/issued card) The fee is charged also for replacement (reissuing) of the card on expiration. Replacement in case of lost/stolen/damaged/demagnetized/blocked card due to forgotten PIN (Lei/replaced card) 15 Lei ( within Lider ) 5 Lei 10 Lei 10 Lei Emergency replacement // (Lei/replaced card) 10 Lei 10 Lei VISA INSPIRE DEBIT CARDS 19

20 LIDER EXCLUSIV* Card maintenance // (Lei/card) Account statement at ATM // (Lei/statement) Account statement delivered by post (in Romania) // (Lei/statement) Balance inquiry at ATM or POS // (Lei/inquiry) Card blocking (e.g.: lost/stolen card or on request) 5 Lei Cash withdrawals from Bank's ATMs Cash withdrawals from Bank's POS 0.40% Cash withdrawals from ATM/POS of CEC Bank Cash withdrawals from ATM of Euronet Cash withdrawals from ATM/POS of other banks (domestic) 0.5% Lei Cash withdrawals from ATM/POS of other banks (international) 0.5% Lei Cash withdrawals from ATM/POS of INTESA SANPAOLO BANK (international) Merchant transactions (POS other banks) domestic Merchant transactions (POS other banks) international Unjustified chargeback 20 Lei, at least covering the respective costs Lost / stolen / damaged / not returned token Eq 10 EUR VISA INSPIRE DAILY TRANSACTION LIMITS LIMIT TYPE LIDER EXCLUSIV* Cash withdrawals from ATM (daily limit) 5,000 Lei 5,000 Lei Merchant transactions (daily limit) 7,500 Lei 7,500 Lei Monthly spending limit 50,000 Lei 50,000 Lei Exchange rate NBR + 3% NBR + 3% * Available only with Exclusiv 20

21 CUT-OFF TIMES BY TYPE OF OPERATION NATIONAL OUTGOING PAYMENTS IN LEI Type of transaction Internet Banking Hard copy Debit Settlement Debit Settlement Inter-bank payments, under 50,000 Lei (standard): Received until 13:30 same day same day same day same day Received between 13:30 16:45 same day next day same day next day Received after 16:45 next day next day next day next day Inter-bank payments, exceeding 50,000 Lei and/or urgent inter-bank payments (regardless of amount): Received until 14:15 same day same day same day same day Received between 14:15 16:45 same day next day same day next day Received after 16:45 next day next day next day next day Intra-bank payments: same day non-stop same day same day INTERNATIONAL OUTGOING PAYMENTS IN LEI Standard payments: Urgent payments: Type of transaction Internet Banking Hard copy Debit Settlement Debit Settlement Received until 16:00 same day next day same day next day Received after 16:00 next day next day next day next day Received until 14:00 same day same day same day same day Received between 14:00 16:00 same day next day same day next day Received after 16:00 next day next day next day next day 21

22 OUTGOING PAYMENTS IN FOREIGN CURRENCY Type of transaction Internet Banking Hard copy Debit Settlement Debit Settlement Standard payments: Received until 16:00 same day next day same day next day Received after 16:00 next day after 2 days next day after 2 days Urgent payments: Received until 13:00 same day same day same day same day Received after 13:00 same day next day same day next day Intra-bank payments: same day non-stop same day same day CURRENCY EXCHANGE OPERATIONS Currency exchange operations OPERATIONS WITH DEBIT INSTRUMENTS Presentation of cheques, promissory notes and bills of exchange for collection Provision of funds to cover the debit instruments received for payment through 15:45 paper based 16:00 inter-bank 13:45 intra-bank 16:45 electronically processed 14:00 of the day prior to settlement not electronically processed 10:00 of the day prior to settlement 22

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