1 Price list for Customer of small business segment valid since 1 st of December 201 Biznes Trade Account Opening a bank account 1 Current PLN account 2 Current FX account for residents Current FX account for non-residents 2 Account maintenance - monthly payment 4 PLN account 1) 2) / 25 PLN 22) 5 FX account 0 2) GBP/1 GBP - in GBP 0 2) EUR/1 EUR - in EUR 0 2) CHF/2 CHF - in CHF 0 2) USD/2 USD - in USD Cash deposits Cash deposits to PLN account run in Bank open deposit in the Bank s branch 2) / 0,50% min 5 PLN 22) 7 deposit in Cash Deposit Machine 20) 0,20% min 2 PLN closed deposit )21) 8 - at cash desk 0,0% min. 5 PLN 2) 0,5% min. 5 PLN 22) 9 - with transport option in the zone 4) 0,25% min. 5 PLN + 5 PLN 10 - with transport option out of the zone 4) 0,25% min. 5 PLN in night safe 0,25% min. 5 PLN 12 deposited with a Millennium cheque 5) 0,5% min. 5 PLN To FX accounts run in Bank ) 1 open deposit 0,5% min. 1 closed deposit 21) 14 - at cash desk 0,5% min with transport option in the zone 4) 0,25% min. 5 PLN + 5 PLN 1 - with transport option out of the zone 4) 0,25% min. 5 PLN in night safe 0,% min Cash deposit made by third persons to account run in Bank 0,5% min. 5 PLN Cash withdrawals Cash Withdrawals from PLN bank accounts 7) 19 current accounts ( Cash withdrawal ) 0,15% min. 5 PLN 2) 0,20% min 5 PLN 22) 20 current accounts (cheque) 5) 0,5% min. 5 PLN 21 Based upon ECW order 8) 0,15% min. 5 PLN 2) 0,20% min. 5 PLN 22) 22 Submitting ECW order through Millenet 2 PLN 2 current accounts 21) 0,20% min. 5 PLN + 15 (each in closed form with transport option transport) 24 term deposits (Clients without a current account) 1,75% min. PLN From FX bank accounts 9) 25 current accounts ( Cash withdrawal ) 0,5% min. 2 2 current accounts 21) in closed form with transport option Failure to pick up the cash withdrawal at the time agreed upon with the Bank (computed on the unused amount) - applies each currency Unfortified cash withdrawal (additional commission computed on the amount higher than the ordered amount [if order in cash] or specified in the Price List as the amount that cannot be withdrawn without previous notification [other transactions]) - applies each currency Transfers 10) 0,20% min. 5 PLN + 15 (each transport) 0,15% 2) 0,15% min 5 22) 0,5% 1
2 Transfers in PLN or foreign currency, performed between the Bank s accounts, placed: 29 in the Bank s branch 5 PLN 2) /7,99 PLN 22) 0 in TeleMillennium (by phone) 4 PLN 2) /5 PLN 22) 1 through Millenet, Mobile Banking 2 through MilleSMS transfers within one owner s accounts Transfers in PLN, to accounts in other banks, placed: 4 in the Bank s branch PLN 2) / 7,99 PLN 22) 5 by TeleMillennium (by phone) 5 PLN through Millenet, Mobile Banking 2) 22,24) /1 PLN 22,24) 7 through MilleSMS through SORBNET 11) (does not concern transfers to ZUS and Urząd Skarbowy) 8 - order below 1 mln PLN 4 - order equal to or above 1 mln PLN 9 - received in branch (in standard form) received through electronic banking channels (TeleMillennium, Millenet, Mobile Banking) 8 PLN Instant transfers Express Elixir in PLN, to accounts in other banks, placed 12) : 41 through Millenet/Mobile Banking 1 Transfers in PLN to accounts in banks abroad or in FX to accounts in other banks, placed 1,15) : 42 standard - in the Bank s branch, through Millenet 0,25% min. 17 PLN max urgent - in the Bank s branch, through Millenet 0,25% min. 17 PLN max express - in the Bank s branch, through Millenet 5 0,25% min. 17 PLN max cross border transfers - SEPA payment order in EUR 14,15) 45 - up to 250,00 EUR 9,5 4 - in amount between 250,01 and 2000,00 EUR 18 PLN 47 - in amount between 2000,01 and ,00 EUR 48 - in amount between ,01 and ,00 EUR 0,20% min. 25 PLN max amount from ,01 EUR 0,20% min. 25 PLN max Fee for OUR option (all the costs covered by the Orderer) Received for performing on non-standard forms (in the branch) 1) 1 52 fee for a transfer in foreign currency with cost options SHA or BEN from other domestic and foreign banks, as well as a transfer in PLN from foreign banks with cost options SHA and BAN, crediting the client's account with 22) 1 an amount higher than 20 or the equivalent in the currency 25) Bill payments 5 - definition 54 - performing in ATM 2 PLN 55 - performing in TeleMillennium 5 PLN Standing orders 17) 5 definition 57 performance of a repeated standing order (per execution) 2 PLN 58 performance of a non-repeated standing order (per execution) 4 PLN Premia On-Line Account in PLN a) first deposit/transfer (monthly): 59 in Millenet 0 in branch/through telephone 5 PLN b) another withdrawal/transfer (monthly): 1 in Millenet 7,5 PLN 2 in branch/through telephone 1 Direct Debit Fees charged from debtor s account- Payer s Service set-up transaction Recipient (for each disposal) PLN 4 Execution of direct debit (for 1 transaction) 1 PLN 5 Updating or cancellation of authorization or cancellation of a single direct debit payment PLN Enterprises Direct Debit (GOBI) 2) Fees charged from creditor s account: 2
3 Disposal in electronic form in Bank (for 1 Direct Debit) 2 PLN 2) 7 Disposal in electronic form in other bank (for 1 Direct Debit) PLN 2) 8 Disposal in paper form in Bank (for 1 Direct Debit) PLN 2) 9 Disposal in paper form in other bank (for 1 Direct Debit) PLN 2) Fees charged from debtor s account: 70 Acceptance agreement PLN 2) 71 Actualization agreement 4 PLN 2) 72 Acceptance refusal PLN 2) 7 Execution of GOBI 1 PLN 2) 74 Periodical suspense agreement PLN + 2 PLN per day 2) Automatic Incoming Payment Identification 75 Providing the Client with Automatic Incoming Payment Identification 7 Fee for transaction of Automatic Incoming Payment Identification 0, PLN Electronic services 77 Monthly fee for using e-banking Millenet system 18) 78 Unblockage of password (including courier) (Millenet) 2 79 Electronic signature chipcard 5 80 Electronic signature chipcard reader 5 81 Electronic signature USB token Authorisation SMS for Corporate Millenet and Mobile Millenet 0,2 8 Authorisation SMS for Millenet and Mobile Millenet for Individuals/Biznes Maintenance of bills of exchange Maintenance of bills of exchange (in domestic trade) per bill of exchange 19) : 84 Presenting a bill of exchange for payment 85 Protesting a bill of exchange 8 Presenting a bill of exchange for collection Cheques Selling of cheque blankets ordered - per 1 blanket 19) 87 - in the branch PLN 88 - by TeleMillennium (by phone) 2 PLN 89 Confirmation of cheque - per each cheque 90 Banker s cheques payable abroad - per cheque 0,5% min. 2 max Collection of cheque issued in Poland 2) 0,5% min. 5 PLN 2) 92 Collection of cheque issued abroad 9 94 Blockage of cheque/ Stop Payment disposal for banker s cheques - (per cheque) Return of cheque (received for collection or purchase, not paid by domestic or foreign banks) Other 0,5% min. 2 max. 20 2) / 0,5% min. 5 22) Purchase and sale of foreign currencies 9 Cash exchange exchanging denominations of PLN into other denominations of PLN 2% of exchange amount, min MilleZdrowie insurance - monthly fee 1,99 PLN 1) If the overdraft is granted to Trade account and is used by no more than 7 days in any period, the interest for this period are not charged. Valid till ) for using foreign currency accounts opened via Millenet for Individuals/Biznes. ) If the total sum of everyday closed deposits and / or received as closed deposit with transport option in the zone and / or out of the zone, on the Customer's account is higher than (or equivalent in FX), the Bank shall block the surplus above ,- PLN until the moment of calculating it. 4) The "zone" is understood to mean following cities: Gdańsk, Szczecin, Bydgoszcz, Białystok, Poznań Warszawa, Wrocław, Katowice, Rzeszów, Olsztyn and the area in the immediate neighbourhood of these cities. The Bank shall confirm on a case-by-case basis whether the Customer's location is within the zone or out of it. 5) The commission for depositing a Millennium cheque is charged from the drawer of the cheque. ) The Bank does not accept deposits in foreign currencies in coins. The Bank does not exchange foreign currencies. 7) In case of withdrawal amount in excess of 20.00, the withdrawal requires Customer's prior notice given at any branch of the Bank at least 1 day earlier until 15.0 and the withdrawal must be made no later than on the second business day after submission of notification at the same branch. The cash shall be available in the Outlet for withdrawal on the withdrawal day from 12:0 p.m.
4 8) ECW order cannot be executed, if the amount of the order requires notification and the validity of the order expires on the day on which the notification is submitted. 9) Withdrawals of amounts denominated in FX should be notified at least 2 days earlier, provided that withdrawal of any amount in EUR and amount up to ,00 USD should be notified at least 1 day earlier. 10) When defining the holder of the account, the name of the holder and his legal status should be taken into regard i.e. transfers between Firm Account and Individual Person are considered as transfers between accounts of different holders. - Transfers with future date without the possibility of selecting the option of blocking the transfer amount can accepted for execution in Millenet/Mobile Banking. - In an outlet of the Bank instructions for execution of a transfer with a future date (also with possible blockage of the loan amount) shall be accepted for execution provided that it is submitted personally in writing in the outlet by persons authorised to dispose of the account in keeping with the valid signature specimen card. - Instructions for a transfer with a future date (also with possible blockage of the transfer amount) may be placed via TeleMillennium telephone service through a TeleMillennium Consultant. - If the Customer chooses the option of future date transfer order amount blockage, at the same time the amount of the transfer fee as at the day of placing the order shall also be blocked. 11) All orders equal to or above are performed obligatorily through SORBNET. In case of emergency, independent from the Bank, settlement of SORBNET orders for an amount of less than , may be limited or suspended. 12) Daily limit for the total amount of instant transfers Express Elixir submitted on a given day is Incoming Instant transfers in favour of the Account holder are accepted only for PLN accounts. 1) Execution mode determines the date of transferring the funds by Bank Millennium to the beneficiary s bank: - standard means that the funds will be transferred to the beneficiary s bank with value date: (D+1) if they meet the conditions for SEPA orders and are denominated in currencies EUR, GBP, SEK, NOK, DKK, HUF, CZK, CHF, PLN, RON; (D+2) other transfers, - urgent means that the funds will be transferred to the beneficiary s bank with (D+1) value date, - express means that the funds will be transferred to the beneficiary s bank with the current value date (D). 14) SEPA payment order - order of transfer in EUR, to the account in the bank included in Single European Payment Area (SEPA), with BIC code of beneficiary's bank, its account in IBAN standard and SHA costs. 15) Additional costs are charged: telecommunication fees (not concern regulated payments) and correspondent bank costs. 1) This fee is charged instead of the standard fee. If the standard fee is higher than the fee for performing transfers on non-standard forms, the higher one is charged. 17) Fees shall not be charged if the dispositions result from the Bank s internal procedures. 18) The maximum amount of the Main Limit (daily limit of transactions ordered via Millenet, IVR, Mobile Application, Application for tablets, Mobile Millenet for Individual/Business Customers) is granted in a Millennium Outlet. Change of limit up to amount may be applied in a Millennium Outlet and Millenet. Daily Main Limit usage for SMS operations is counted independently from transactions in TeleMillennium - IVR/Millenet. Daily limit of transactions in Mobile Application/Mobile Millenet refers to all the types of individual inter-bank and internal transfers between accounts of various Clients. Daily limit can be changed in Millenet up to by Individual/Business Customers. 19) Cheque blankets are issued in a number of or multiple of this number. 20) You can deposit cash in a Bank Millennium CDM in selected Millennium branches, using your debit or credit card. A debit card deposit is made to the bank account linked to this card. A credit card cash deposit is treated as early repayment of the card. CDM cash deposits are accepted only in Polish currency notes, require PIN authorisation and are counted and booked on the account at the time of the deposit. Business days for purposes of CDM cash deposits are days from Monday to Friday except statutory holidays, as well as every other day, on which the Millennium branches are opened. Addresses of branches, which provide this service, are available in any Millennium branch. 21) Closed deposits at the teller s desk, in the night safe as well as deposits and withdrawals with transport option have been available to the Bank s Customers non-stop since at least months. 22) Will come into force on ) Valid till ) Fee for transfers to ZUS i US. 25) The basis for calculation of the PLN 200 threshold, from which the commission shall be accrued, is the equivalent of the received transfer, after conversion to PLN at the FX buy rate. 4
5 Payment card Makro MasterCard Biznes Debit Issued to account Biznes Trade, Biznes Start, Biznes Profesja, Biznes, Biznes Special Offer card validity - 4 years 1 Card issuance 2 Monthly fee 1) 4 PLN 4) / 4,99 PLN ) Card replacement 2 4 Card transaction fees: - purchases 2) - fee on transactions at merchants identified as: casinos, Internet casinos, games of chance, bookmaker bets, lotteries and totalisators - cash advance: - in the ATMs of Bank s/bzwbk and Cash4you network - in ATMs of other banks in Poland - in ATMs of other banks abroad - in the outlets of other banks by POS in Poland - in the outlets of other banks by POS abroad 5 PLN /1 PLN % min. 5 PLN % min. 7 PLN 5 Issuing a copy of transaction receipt 1 Insurances (Unentitled card usage insurance, cash theft insurance, purchase and lowest price guarantee insurance, flight and luggage delay 2,99 PLN insurance, lost luggage insurance, replacement documents insurance) 7 Balance Inquiry: - ATM Millennium - Display - ATM Millennium - Printout - BZ WBK/Cash4You - other ATM Poland - list of 10 latest transactions - display - list of 10 latest transactions - printout 0,5 0,5 2 PLN 1,5 PLN 8 Additional spread charged on currency conversion in case of making transactions in foreign currencies Visa Executive Electron debit card card with microprocessor valid 4 years 1 Annual fee 2 Monthly fee for using Millennium Visa Executive Electron card 4,99 PLN Card transaction fees: - purchases 1) - fee on transactions at merchants identified as: casinos, Internet casinos, games of chance, bookmaker bets, lotteries and totalisators - cash advance: - in the ATMs of Bank s/ BZWBK and Cash4you network - in ATMs of other banks in Poland - in ATMs of other banks abroad - in the outlets of other banks by POS in Poland - in the outlets of other banks by POS abroad 2% 5 PLN /1 PLN % min. 5 PLN PLN 4 Issuing a copy of transaction receipt 1 5 Insurances (Unentitled card usage insurance, cash theft insurance, purchase and lowest price guarantee insurance, flight and luggage delay insurance, lost luggage insurance, replacement documents insurance) Balance Inquiry: - ATM Millennium - Display - ATM Millennium - Printout - BZ WBK/Cash4You - other ATM Poland - list of 10 latest transactions - display - list of 10 latest transactions - printout 0,5 0,5 2 PLN 1,5 PLN 7 Additional spread charged on currency conversion in case of making transactions in foreign currencies 2% Daily limits for Makro MasterCard Biznes Debit and Millennium Visa Executive Electron card: Option Cash transactions Non cash transactions up to account s balance up to account s balance
6 up to account s balance 1) For cards issued until the monthly fee will be charged 1 months after card issuance date. 2) Does not apply to transactions made at merchants identified as: casinos, Internet casinos, games of chance, bookmaker bets, lotteries and totalisators. ) Will come into force on ) Valid till
7 Credits OVERDRAFT IN PLN Interest rates, when Customer utilizes limit up to 7 days in settlement month ***) Interest rates, when Customer utilizes limit for more than 7 days in settlement month ***) 0% WIBOR 1M + 9 p.p Interest for limit utilization is collected in monthly settlement 1 cycles, for the period: from the last day of the previous month until the last-but-one day of the current month. If limit in the personal account has been utilized for up to any 7 days in monthly settlement cycle, the interest shall not be accrued (this regards limits in personal accounts up to ). If limit in the account has been utilized for more than 7 days, the interest shall be accrued for all the days of limit utilization and the accrued interest shall be collected on the last business day of the month. ***) 2 Preparatory commission, calculated on the value of credit granted (due to the date of signing an agreement) Commission for an increase of a credit (due to the date of signing an accessory contract) 1% min Commission for a credit renewal 1% min. 20 Engagement fee monthly collected (calculated on an outstanding 5 credit amount from a day when a loan is made available to a Client, 1% w pa. payable upon interest payment day) Annex fee - if amendments are made at a Client s request, calculated on an amount to repay** 0,1% min. 10 ***) CASH LOAN IN PLN 1 Fixed interest rate 12,50% 2 Preparatory commission, calculated on a value of a credit granted (due to the date of signing an agreement) 1% Commission for an increase of a credit (due to the date of signing an agreement) 2% 4 Annex fee - if amendments are made at a Client s request** 10 ***) 5 Pre-payment fee for a credit or a part of a credit* 1% INVESTMENT CREDIT IN PLN 1 Variable interest rate WIBOR 1M + margin 2 Preparatory commission, calculated on a value of a credit granted 1% Engagement fee (calculated on an outstanding credit amount from a day when a loan is made available to a Client, payable upon interest 1% pa. payment day) 4 Annex fee - if amendments are made at a Client s request, calculated on an amount to repay** 0,5% min. 10 ***) 5 Pre-payment fee for a credit or a part of a credit* 0,5% of the repaid amount * does not apply to agreements terminated by borrower with months termination notice ** the annex fee shall not be charged when the change in the loan agreement requested by the Borrower concerns a change of repayment account from PLN to an account in the currency of the loan (applicable in case of an agreement on a loan denominated or indexed to a currency other than the Polish currency) *** Valid till Offer applies to Makro Cash&Carry card owner 7