Approved by CB Russian Mortgage Bank (LLC) directors Journal #07/02/2015 on 2 July 2015

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1 Approved by CB Russian Mortgage Bank (LLC) directors Journal #07/02/2015 on 2 July 2015 COMMISSION CHARGE RATES for services provided by CB Russian Mortgage Bank (LLC) to individuals and application procedure (put into effect on 17 July 2015)

2 Application procedure of commission charge rates for services provided by CB Russian Mortgage Bank (LLC) to individuals 1. CB "Russian Mortgage Bank" (LLC) (hereinafter - "Bank") opens for clients bank accounts in Russian rubles and foreign currencies. 2. CB "Russian Mortgage Bank" (LLC) opens for clients time deposits and demand deposits in Russian rubles and those foreign currencies for which the Bank has approved the current interest rates. 3. Opening of an account is carried out on the basis of the agreement concluded between the client and CB "Russian Mortgage Bank" (LLC). The account legal treatment is also determined by terms of the agreement, bank rules and the current legislation of the Russian Federation. 4. Unless otherwise provided by this Volume or by the agreement with the Client, the Bank commission charge is debited without the Client's additional order within the time at the discretion of the Bank by debiting a fixed amount from the account of the client on the bank order. The Client may grant the Bank with the right to draw up a settlement document on his behalf, if it is stipulated by the bank account agreement. Filling of a client settlement document by the Bank is carried out over the client application, drawn up in a form prescribed by the Bank, containing all necessary reference details needed for the funds transfer. 5. If the Client owns several accounts, without sufficient funds on the account of the Client as well as in other cases preventing the Bank to keep the commission charge for carrying out transactions on the account of the Client, the Bank reserves the right to debit the amount of commission due to him from any of the accounts of the Client opened in the Bank. 6. The Bank shall have the right to demand of bank commission prior to the transaction without disclosing the reason, and in the event of a failure to do so, to refuse to conduct this transaction. 7. If the currency of the Bank commission differs from the currency of the transaction or of the account, debiting for commission is carried out at the rate set by the Bank of Russia for the currency on the date of debiting the client's account. 8. The Commissions stated in this Volume may include or may not include taxes. The relevant information is contained in the notes to the relevant paragraphs of the Volume. Absence of information about taxes implies that commissions are not taxed, which does not preclude deduction of taxes and levies in the future in the event of changes in tax laws of the Russian Federation. 9. Individual terms of the Client Service are executed by a separate agreement to the bank account agreement except as otherwise is provided by these Tariffs or customer contract. On the initiative of the Bank, but with an obligatory notification to the client orally or upon request in writing, individual rates can be determined for clients to carry out conversion operations and transactions on purchase/sale of cashless foreign currency for Russian rubles. The operations of the exchange rates changed on the initiative of the Bank can be undertaken only on the basis of a written client's application containing his consent to conduct operations on such courses. 10. The amount of the commission on individual transactions may be changed for Bank accounts opened by the employees of legal entities under agreements concluded between the Bank and these legal entities. 11. The amount of the commission on individual operations can be determined in accordance with the terms of agreements concluded between the Bank and organizations. 12. The interest accrual on the cash balances is carried out in accordance with the agreement concluded between the client and the Bank. 13. The minimum cash balance on the accounts is not provided, unless otherwise provided by the agreement with the client. 14. The commissions listed in tariffs contained in this Volume are applied to ordinary banking and commercial transactions and do not include special (individual) commissions, applied in the case of additional costs and/or unforeseen circumstances. 15. The commissions withheld by the Bank for the execution of client orders are non-refundable.

3 16. The Bank shall not be liable for any errors, incorrect or ambiguous interpretation of any terms that may arise of handwritten filling of forms of documents or the instructions provided on forms distinct from forms used in the Bank. 17. Taxes and duties applicable on the territory of the Russian Federation, excluding VAT on the transactions being subject to taxation, the amount of which is included in the tariffs contained in this Volume, are charged from the customers additionally in the manner prescribed by the current legislation of the Russian Federation. 18. The tariffs of commissions established by this Volume may be modified or supplemented by the Bank with prior notice to customers by posting relevant messages on the information boards of the Bank and its subdivisions and on the Bank's website unless otherwise provided by the legislation of the Russian Federation and/or the terms of existing written agreements with the client. 19. The client is obliged to take an interest and regularly enquire about changing of the tariffs established by this Volume, the Bank's details, the status of the account and requirements to the account admitted by third parties, and claims of third parties admitted to it, as well as on other conditions for implementation of cash management services. All the responsibility for the timely receiving statements, accounting documents and other information addressed to the client, rests with the Holder. Execution of funds transfer instructions Execution of funds transfer instructions on the day of getting instructions For the period the next bank day 1. In Russian rubles (within the Region) If documents otherwise are provided to the Bank before MSK 2. In Russian rubles (across Russia) regardless of when documents were provided to the Bank 3. In US dollars (including US dollars cash conversion) otherwise 4. In other currencies including CIS currencies (including cash conversion) If documents are provided to the Bank before MSK regardless of when documents were provided to the Bank 1. Account opening, service and closing 1 List of services/operations Service amount/rate 1.1 Opening bank, specialized banking and deposit accounts in free of charge Russian rubles and foreign currency 1.2 Providing bank statements for the client: - one-year limitation period free of charge - limitation period 150 rub for a bank statement 1 except for the accounts that are opened, serviced, closed due to the extending of a loan to the customer in CB "Russian Mortgage Bank" (LLC)

4 1.3 Providing duplicates of documents at the request of the Client when the statute of limitations of the operation (commissions are charged for each document or set of documents for a single operation) - up to 3 months free of charge - over 3 months 100 rub for 1 duplicate 1.4 Carrying out specified account transactions on the basis of the periodic transfer of funds Order (in one order one to one recipient can be included): -The order to addition to the deposit opened in CB "Russian Mortgage Bank" (LLC), in an amount equal to the amount of rate of the interest accrued on the deposit 200 rub. for one Order (charged on one occasion only in the date of filing an Order) - The order to otherwise 1.5 Providing information in written form if requested by the customer. At the Client s request on several accounts a separate bank statement on each account is provided. - on bank, current, specified accounts 300 rub. for the bank statement - deposit account and bank accounts opened under the deposit free of charge agreement 1.6 Closing of an account free of charge 2. Remittance and issuance of funds List of services/operations Service amount/rate 2.1 Crediting non-cash funds in Russian rubles and foreign currency free of charge to the accounts / taking cash funds 2.2 Withdraw funds from bank accounts, "on demand" bank deposits, free of charge in any of the bank accounts opened for "on demand" deposit in Russian rubles following cases: and foreign currency - if funds were placed to account as physical cash - if funds were received from the deposit accounts opened in CB "Russian Mortgage Bank" (LLC) subsequent to the time of deposit by credit transfer; - if funds were received from loan accounts opened in CB "Russian Mortgage Bank" (LLC) by credit transfer; - if funds are reserved for paying for residential property under purchase agreement with a real estate credit provided by CB "Russian Mortgage Bank" (LLC); - if funds were received by credit transfer and were on account more than 10 calendar days.

5 2.3 Withdrawing cash from bank accounts opened under the savings account agreement and from bank accounts opened for initial installment recognition if the Client provides a letter of confirmation about granting real estate credit by the Bank 3% from withdrawal amount in all other cases free of charge Cash withdrawal is pursuant to the Client providing a proper application to the Bank regardless of an amount of the ordered sum. An application can be made by the Client by telephone or by a personal visit to the Bank branch where the account is opened and serviced and if the remaining balance as from the date of filing the application allows debiting the amount specified in the application. The application is filled: - not later than 12 pm MSK on the working day predating the day of - for the Bank's branches located in Moscow region. - three working days before the assumed date of debiting - for the Bank's branches located in other regions. 3. Other operations with cash funds. List of services/operations Service amount/rate 3.1. Foreign cash buying and selling at the current Bank exchange rate 3.2 Foreign cash conversion at the current Bank cross-rate 3.3 Banknotes translation and authentication - in Russian rubles 0,1% from transaction amount - in foreign currency 0,1% from transaction amount 3.4 US dollar banknotes exchange (exchange of large denomination banknotes for small denomination bankmotes) 3.5 Replacing the damaged US dollar banknote to the undamaged US dollar banknote 3.6 Accepting banknotes of a foreign state (group of states) and bank notes of the Bank of Russia which cause suspecting their authenticity for the examination 0,5% from transaction amount 7 % from banknote denomination (commission is charged in rubles at the exchange rate of the Bank of Russia prevailing on the date of ) no commission is charged 4. Transfer operations. List of services/operations Service amount/rate 4.1 Funds transfers from Clients bank accounts Intrabank transfer no commission is charged Transfers of funds in Russian rubles except for funds representing an amount of a real estate credit obtained by the Client in CB "Russian Mortgage Bank" (LLC) and/or the client's own funds reserved for paying for the real estate purchase and sale to other banks 0,5 % from amount, but not less than 30 rub and no more than 1000 rub No commission is charged when transferring funds to the current creditor of the client who previously received a real estate credit in CB "Russian Mortgage Bank" (LLC) to the extent that less than 3 months have passed

6 after assigning a credit claim to the new creditor Transfers of funds in Russian rubles for paying insurance no commission is charged premiums covered by the agreements concluded for the enforcement of the Client's obligations to the Bank in favor of realtor, brokerage, appraisal companies for services rendered due to obtaining a real estate credit in the CB "Russian mortgage Bank "(LLC) by the Client Transfers in foreign currency to other banks - in US dollars/euro 0,5 % from transfer amount, but not less than 30 US dollars/euro and no more than 150 US dollars/euro - in other currencies 0,5% from transfer account, but not less than rub equivalent at the exchange rate of the Bank of Russia and no more than rub at the exchange rate of the Bank of Russia Transfers to other banks in Russian rubles on the orders received by the Bank in Kaliningrad, except for funds representing amounts received by the client in CB "Russian Mortgage Bank" (LLC), a mortgage, and / or the client's own funds intended for the of the transaction of purchase and sale of real estate 4.2. The fund transfers without opening a bank account 1% of the amount, but not less than 30 rubles and not more than 2000 rubles No commission is charged in case of transfer execution to the client s current lender, which had previously got a mortgage in the CB "Russian Mortgage Bank" (LLC), on condition that the transfer amount does not exceed twice the amount of the monthly on the loan, as less than three months passed from the date of assignment of claims under the loan to a new lender Intrabank transfer no commission is charged Transfers to other banks in Russian rubles 2% of the amount, but not less than 100 rubles and not more than 2000 rubles Transfers to other banks in foreign currency

7 in US dollars / Euros 1.2% of the transfer amount, but no less than 70 US dollars / Euro and no more than 200 USD / EUR in other currencies 1.5% of the transfer amount, but not less than the equivalent of 2,000 rubles of the Russian Federation at the official rate of the Bank of Russia and not more than 7000 rubles of the Russian Federation at the official rate of Bank of Russia Transfers of the system Unistream in accordance with the tariffs of the system 4.3. Transfers of taxes to budget or non-budgetary foundations no commission is charged 4.4. Processing of a telegraphic money order 300 rubles 4.5. Correction, addition, revocation of orders 1500 rubles + commission of the correspondent bank 5. Domestic foreign exchange market transactions 5.1. Purchase of foreign currency for Russian rubles at the Bank s current rate of exchange 5.2. Sale of foreign currency for Russian rubles at the Bank s current rate of exchange 5.3. Conversion transactions at the Bank s current cross rate of exchange 6. Investigations on behalf of the Bank s client 6.1. In relation to transactions with a limitation period of up to 1 month 6.2. In relation to transactions with a limitation period of from 1 up to 3 months free of charge 1000 rubles

8 6.3. In relation to transactions with a limitation period of from 3 months up to 1 year 6.4. In relation to transactions with a limitation period of more than 1 year 2000 rubles 3500 rubles 7. Documentary letters of credit which are opened by the CB "Russian Mortgage Bank" (LLC) in case of settlements between residents of Russian Federation on transactions which are not connected with purchase and sale of residential real estate with a credit from the CB Russian Mortgage Bank (LLC) 7.1. Opening a letter of credit executed by the Bank 0.1% of the amount, but not less than 1600 rubles and not more than rubles executed by other banks 0.1% of the amount, but not less than 1600 rubles and not more than rubles Changing the terms of the letter of credit, including its cancellation Payment under a letter of credit 960 rubles in accordance with the section "Transfer operations" of these tariffs Acception, examination of documents under the letter of credit executing by the Bank (for the set) 0.1% of the amount, but not less than 1600 rubles and not more than 4800 rubles 8. Documentary letters of credit which are opened by the CB "Russian Mortgage Bank" (LLC) in case of settlements between residents of Russian Federation on transactions which are connected with purchase and sale of residential real estate with a credit from the CB Russian Mortgage Bank (LLC) 8.1. Opening a letter of credit executed by the Bank rubles*

9 executed by other banks rubles* 8.2. Changing the terms of the letter of credit, including its cancellation 960 rubles** 8.3. Payment under a letter of credit in accordance with the section "Transfer operations" of these tariffs 8.4. Acception, examination of documents under the letter of credit executing by the Bank (for the set) 1000 rubles*** *Paid on opening of a letter of credit by a person who is a payer under the letter of credit **Paid by the payer or the recipient of funds under a letter of credit (as agreed between them) when submitting Bank statements modifying the terms of the letter of credit ***Paid on opening of a letter of credit by a person who is a payer under the letter of credit. If the letter of credit will not be revealed (for any reason), the fee for opening a letter of credit shall be returned to the payer. 9. Documentary letters of credit which are advised by the CB "Russian Mortgage Bank in case of settlements between residents of Russian Federation Operations on documentary letters of credit are carried out in accordance with the Regulation on clearing settlements in the Russian Federation, as in force the date of the transaction Advising or increasing the amount of the credit (in the case of increase, the Commission is charged from the amount of increase) 9.2 Changing the terms of the letter of credit, including its cancellation 9.3 Acception, examination of documents under the letter of credit executing by the Bank (for the set) 9.4 Processing of documents on the letter of credit, which is executed by other banks 0.1% of the amount, but not less than 1600 rubles and not more than 4800 rubles 960 rubles 0.1% of the amount, but not less than 1600 rubles and not more than 4800 rubles 960 rubles (for the set of documents) 1. All documentary operations with the occurrence of any of the obligations of CB "Russian mortgage Bank" (LLC) are carried out when the client invests the 100% coverage for the transaction period. Another procedure of these transactions is the subject of a written agreement with the client. 2. During the operations of the letter of credit the Bank shall verify documents only for compliance with the letter of credit by external signs.

10 10. The Bank is not liable for the form, sufficiency, accuracy, authenticity, falsification or legal effect of any document (s), equally as for the general and / or particular conditions contained in the document (s) or additionally included therein Opening a letter of credit executed by the Bank not be charged executed by other banks 1000 rubles 10.2 Changing the terms of the letter of credit, including its cancellation not be charged 10.3 Payment under a letter of credit in accordance with the section "Transfer operations" of these tariffs Acception, examination of documents under the letter of credit executing by the Bank, is charged by the Bank from the Recipient of funds 5000 rubles

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