Banking Service Price List Valid from 3 October 2016

Transcription

1 Banking Service Price List Valid from 3 October 206 Table of contents: Current account Opening and joining fees Group account Account sweeping/topping Customer administration fees Account balance fees Cash operations in Tallinn Business Centre Transfers Account statement Electronic channels Servicing of payment cards and e-commerce Debit cards Credit cards Freestyle Loans Bank guarantees Documentary credits Documentary collections Factoring Leasing Deposits Securities services Funded pension Safe deposit boxes Additional services Business days of payment transactions and deadlines of execution of payments Annual interest rates of current account The present price list applies to customers of Danske Bank A/S Estonia branch. The Bank has the right to provide banking services to customers who belong to the Danske Private Banking programme for prices that differ from the ones specified in the price list. Customers can obtain information about this from Danske Internet Bank or from the Bank. Starting from 3 October 206, the existing agreements of private persons will be extended or new agreements will be entered into if the customer has joined the Danske Private Banking programme.

2 CURRENT ACCOUNT. Penalty for exceeding the account balance 0,% per day OPENING AND JOINING FEES. Current account for customer in the Danske Private Banking target group free of charge 2. Current account for legal entities registrated in Estonia free of charge 3. Current account for legal entities registrated in Finland, Sweden, Norway or Denmark 4. Current account for legal entities registrated in EU (excl. Finland, Sweden, Denmark, Malta, Cyprus or United Kingdom) 5. Current account for legal entities registrated in another countries that is not mentioned in paragraphes 3 or Current account for Danske Bank Group customer free of charge 7. Start-up account free of charge 8. Escrow account according to agreement 9. Deposit account according to agreement 0. Current account with a branch/bank of Danske Bank A/S through Danske Bank A/S Estonia branch Checking and forwarding of documents 200 GROUP ACCOUNT. Account opening fee Monthly administration fee per company 5 3. Changing of internal limits free of charge 4. Changing of the membership of the group Account balance fee of Group account according to section Account balance fees ACCOUNT SWEEPING/TOPPING.Joining fee, amendment of order Monthly administration fees 2.. Intra-account account sweeping/topping (standing exchange order) daily (-3 times a day) free of charge weekly free of charge monthly free of charge 2.2. Intra-bank account sweeping/topping daily (-3 times a day) 5 weekly 3 monthly 2, Domestic inter-bank account sweeping/topping in euro daily (-3 times a day) 50 weekly 25 monthly 2,50 2

3 Account sweeping/topping within Danske Group daily (-3 times a day) 5 weekly 7,50 monthly 3, Account sweeping/topping with foreign bank account daily (-3 times a day) 50 weekly 25 monthly 2,50 3. Account sweeping/topping transaction fees according to fees for payments and initiation of requests for transfers via SWIFT (MT0) in Danske Internet Bank CUSTOMER ADMINISTRATION FEES. Monthly charge for private persons (citizens of the member country of the European Economic Area or Switzerland) 2. Monthly charge for non-resident private persons (excl. citizens of the member country of the European Economic Area or Switzerland) free of charge Monthly charge for legal entities registrated in Estonia free of charge 4. Monthly charge for European Economic Area or Switzerland legal entities Monthly charge for non-resident legal entities (excl. European Economic Area or Switzerland) Monthly charge for corporate Private Banking customers Monthly charge for management of the balance of a closed current account 0 Applied from the third month after the closure of the current account. Applied administration fee is not applicable to inheritance held in the bank. ACCOUNT BALANCE FEES. For private persons not applied 2. For legal entities and the investment fund managed by the latter depending on the account balance and the currency EUR, starting from balance of EUR SEK, starting from balance of SEK DKK, starting from balance of DKK CHF, starting from balance of CHF up to 0,35% per year up to 0,45% per year up to 0,60% per year up to 0,70% per year The fee is calculated for the relevant currencies at the end of each calendar day on the part of the positive account balance that exceeds the limit noted for the relevant currency. The fee is calculated on the basis of the actual number of calendar days in a month and a 360-day year. The customers to whom said fee is applied are informed about this and the fee is debited from the customer s current account within the first 0 banking days of the month for the previous month. CASH OPERATIONS IN THE TALLINN BUSINESS CENTRE. In Euros.. Cash payment into a account (excl. coins) 0,4% of the amount, min Private person to their own account 2 up to 000 per calendar month free of charge; starting from 000 per calendar month 0,4% of the amount, min. 5

4 4.2. Depositing of coins 4% of the amount, min into a minor s account up to 00 per calendar month free of charge; starting from 00 per calendar month 4% of the amount, min Cash withdrawal 0,5% of the amount, min upon closure of account account balance of up to 7 free of charge; account balance of over 7 0,5% of the amount, min In foreign currency 3, Cash payment in USA dollars 3% of the amount, min Cash withdrawal in USA dollars 3% of the amount, min Additional services 3.. Ordering cash free of charge 3.2. Fee for cancelling an order of cash Receipt and withdrawal of cash delivered by collectors 3 According to the price list, if not otherwise agreed between the bank and the cash collection company From 4 th of July 206 those services will only be available in the Tallinn Business Centre euros per calendar month includes total amounts paid to the bank account and operating deposits related to the same bank account, the Freestyle account and capital deposit. 3 The Bank does not accept damaged or invalid foreign currency banknotes. Neither does the Bank accept or exchange foreign coins. 4 Prices for cash deposits and withdrawal in foreign currencies apply to amounts equivalent to up to 30,000. Prices for bigger amounts shall be agreed with the bank. TRANSFERS. Estonian payments.. Incoming payment free of charge.2. Standing payment drafting, amendment, cancellation of a standing payment order free of charge execution o to the Growth Deposit, the Freestyle Account, the Capital Deposit tied to the same current account free of charge o internal payment 0,6 o payment to another bank 0,50.3. Outgoing payment (incl. internal euro payment) in the business centre 3,50 o to the Growth Deposit, the Freestyle Account, the Capital Deposit tied to the same current account free of charge over the telephone on the basis of the Private Banking Agreement 6 through Danske Telephone Bank 3,50

5 through Danske Internet Bank o to the Growth Deposit, the Freestyle Account, the Capital Deposit tied to the same current account free of charge o internal euro payment 0,6 o o payment to another bank from a private person s account 0,50 from a legal customer s account 0,50 salary payment internal euro payment 0,6 payment to another bank 0,38 through Danske Mobile Bank o to the Growth Deposit, the Freestyle Account, the Capital Deposit tied to the same current account free of charge o internal euro payment 0,6 o payment to another bank from a private person s account 0,50 from a legal customer s account 0,50 through Danske LiveGate o to the Growth Deposit, the Capital Deposit tied to the same current account free of charge o internal euro payment 0,6 o payment to another bank 0,38 o salary payment.4. Outgoing urgent payment internal euro payment 0,6 payment to another bank 0,38 in the business centre 0 over the telephone on the basis of the Private Banking Agreement 6 through Danske Internet Bank 3 through Danske Mobile Bank 3 through Danske LiveGate 3.5. E-invoice Standing Order conclusion of agreement free of charge execution of payment o internal payment 0,6 o payment to another bank 0,50 The fee for a payment made at a branch of the bank is applied to the execution of compulsory collections (collection orders issued by bailiffs, the tax authority and other entitled persons). 5

6 6 2. Foreign payments 2.. Internal payment in the foreign currency in the currency of a member state of the European Economic Area (excl euro) in other currencies 4 to the Capital Deposit tied to the same current account free of charge 2.2. Incoming payment, type of service fee is Shared or Beneficiary incoming payment which complies with the conditions of EU payment 3 according to. incoming Estonian payment in the currency of a member state of the European Economic Area 5,75 in other currencies 6, Outgoing payment Intra-group payment 2 free of charge EU payment 3 according to.3 outgoing Estonian payment normal 6,50 urgent 7 5 extra urgent (EUR, USD) Extra service fees for outgoing payment payment in the currency of a member state of the European Economic Area, in the case of which the payee s IBAN or BIC (if necessary to submit) are not indicated (extra service fee charged in addition to the ordinary service fee charged for an foreign payment) payment in the branch and through Danske Telephone Bank (extra service fee charged in addition to the ordinary service fee charged for a foreign payment) payment over the telephone on the basis of the Private Banking Agreement (fee added to the service charge of a foreign payment initiated in a business centre) payment with type of service fee is Payment in full (extra service fee charged in addition to the ordinary service fee charged for a foreign payment) ,50 3, Account management via SWIFT 3.. Conclusion of the agreement on the use of the service Execution of requests for transfer from the customer s account with Danske Bank Execution of requests for transfer (MT0) received via SWIFT: execution of an outgoing transfer An account statement via SWIFT (MT940/MT942) forwarding of an account statement of a single banking day to a foreign bank according to the fee for an outgoing payment in Danske Internet Bank,60 per unit monthly fee per account 32 forwarding of an account statement to a bank affiliated to the Danske Bank Group free of charge

7 Execution of requests for transfer from the customer s account with a foreign bank Initiation of a request for transfer via SWIFT (MT0) via Danske Internet Bank: monthly fee per account 20 mediation of requests for transfer to a foreign bank Mediation of an account statement (MT940/MT942) via SWIFT to the customer via Danske Internet Bank monthly fee per account 20 monthly fee per account with a bank affiliated to the Danske Bank Group free of charge 4. Packages of payments Monthly fee for Package of payments Monthly fee for Package of payments Monthly fee for Package of payments Monthly fee for Package of payments Payment fee for exceeding the number of payments in the package 6 0,6 5. Additional services 5.. Cancellation of payments cancellation of payment no later than one day before business day free of charge cancellation of payment on business day before the payment has been transferred by the Bank 3,20 revocation of an outgoing internal payment 0 revocation of an outgoing foreign payment and domestic payment 25 + actual costs 5.2. Amendment of payment orders and making of queries a query about a domestic payment, confirmation on the execution of a payment 0 + actual costs amendment of foreign payment 25 + actual costs making a query to a foreign bank, confirmation on the execution of an outgoing payment 35 + actual costs amendment of the value date of a foreign payment (by mutual agreement) 35 + actual costs 5.3. Report of cancelled payments 0, Issue of SWIFT copy Printout and printouts verification of orders made via electronic channels 2, Faxing a copy of a payment order or SWIFT in Estonia abroad 4 The currencies of the member states of the European Economic Area are: BGN, CHF, CZK, DKK, EUR, GBP, HUF, ISK, NOK, PLN, RON, SEK, HRK. 2 Transfer to the beneficiary belonging to the same group and the account is in Danske Bank Group (according to the list which has been presented earlier). 3 The bank applies this price automatically to normal payments started in euros if the payee s bank and the payer s bank are situated in a contracting state of the European Economic Area and the payment details contain the correct IBAN. 4 Service fees charged by foreign banks which exceed the service fee paid by the payer for the payee in the case of the payment with type of service fee Payment in full are also debited to the payer s current account. The maximum amount of additional service fee is 63,9.

8 8 5 The package includes intrabank payments, Estonian payments and EU payments initiated via Danske Internet Bank, LiveGate, Mobile Bank and SWIFT. 6 Payment fee for payments which exceed the number of payments in the package is debited every month on the st business day as one amount. 7 Fee for an outgoing normal payment (in accordance with clause 2.3 of the price list) is also charged for an urgent payment in euros, if the beneficiary s bank is located in the European Economic Area (EEA). 8 Package of payments 20 agreemnets are not concluded from ACCOUNT STATEMENT. In the business centre 3 2. By mail (regular once a decade, month, quarter or year) in Estonia 3 abroad 6 3. Through Danske Internet Bank free of charge 4. Through Danske Mobile Bank free of charge 5. Through Danske LiveGate free of charge Statements of bank transactions performed more than 0 years ago are issued on terms and conditions agreed separately with the customer. ELECTRONIC CHANNELS. Danske Internet Bank.. Joining fee free of charge.2. Administration fee free of charge 2. Danske Mobile Bank 2.. Joining fee free of charge 2.2. Administration fee free of charge 3. Danske LiveGate 3.. Joining fee Monthly administration fee Danske Telephone Bank 4.. Joining fee free of charge 4.2. Administration fee free of charge 5. Fees for the identification tools used in electronic banking 5.. Test key card free of charge 5.2. PIN-calculator issuance 5 reopening after blocking ID card reader 5,75 6. SMS express notification 6.. Joining fee free of charge 6.2. Administration fee free of charge

9 6.3. Fee for SMS notification 0,30 7. Incoming payments notice 7.. Joining fee Monthly administration fee Bank link 8.. Subscription fee Changing of agreement Package I transaction fee 0,3 per transaction monthly maintenance fee 0, Package II transaction fee 0,02 per transaction monthly maintenance fee 9,7 9. Forwarding an e-invoice 9.. Conclusion of agreement for forwarding e-invoices invoices with standard design 6 invoices with seller s design Amending an agreement for forwarding e-invoices adding new seller s design to invoice Package I monthly fee 25 fee for forwarding an e-invoice o seller's account is in Danske Bank 0,3 o seller's account is not in Danske Bank 0,32 o seller's design 0, Package II monthly fee 5 fee for forwarding an e-invoice o seller's account is in Danske Bank 0,9 o seller's account is not in Danske Bank 0,32 o seller's design 0, E-invoice standing order report fee in the Danske Live Gate channel 9,50 per month VAT will be added to the service fee pursuant to the Value Added Tax Act. SERVICING OF PAYMENT CARDS AND e-commerce. Payment card services (POS terminals/payment solutions).. Conclusion of a payment cards service agreement with the Bank (incl. training, setting up of a payment terminal, the security certificate of the LAN terminal) free of charge.2. Express installation of a POS terminal

10 .3. Commission fee on the turnover of a payment transaction according to agreement.4. Rent for the payment terminal (dial-up/lan/mobile terminal) according to agreement.5. Termination of an agreement free of charge.6. Termination of an agreement within 30 days from the conclusion of the agreement Renting of a SIM card for the GPRS/GSM terminal 3 3,20 per month 2. Payment card services on web (e-commerce) 2.. Conclusion of e-commerce agreement with the Bank free of charge 2.2. Monthly fee Commission fee on the turnover of a payment transaction according to agreement 2.4. Termination of an agreement free of charge Installation of a POS terminal within 5 working days of entry into the agreement 2 Installation of a POS terminal within working day of entry into the agreement 3 VAT will be added to the service fee pursuant to the Value Added Tax Act. DEBIT CARDS. Card (incl additional card) issuing fee free of charge 2. Extension of debit card upon expiry free of charge 3. Replacement of debit card 2 4. Monthly administration fee for debit card MasterCard Silverlight for 7 to 25 year old persons (incl.) 0,32 MasterCard Silver o for persons8 60 years old o for persons over 60 years old 0,32 MasterCard Black 2 MasterCard Business Debit,50 5. Carrying out payments in Estonia and abroad free of charge 6. Cash deposit in Danske Bank ATM s free of charge 7. Cash withdrawal 7.. From Danske Bank s ATMs up to in a month free of charge over in a month 0,3% of the amount exceeded+ 0,9 MasterCard Business Debit 0,3% of the amount + 0, From ATMs of other banks in Estonia and abroad 2,5% of the amount Request of a copy of a payment transaction s receipt and/or submission of an unwarranted reclaim Transaction in Estonia 5 Transaction abroad 0 9. An inquiry or a PIN code exchange From Danske Bank s ATMs free of charge From the ATMs of other banks 0,32 per inquiry 0. Closing of the card free of charge 0

11 . Urgent order of card and delivery by courier to customer in Danske Bank Tallinn Business Centre (up to business day) 0 in Estonia (up to business day) 35 in a foreign country (up to 3 business days) 55 MasterCard Silverlight and MasterCard Silver cards are not issued from CREDIT CARDS. Credit card (incl additional card) annual fee MasterCard Credit 40 MasterCard Business Credit 25 MasterCard Platinum Replacement of card 0 3. Carrying out payments in Estonia and abroad free of charge 4. Cash withdrawal from ATMs in Estonia and abroad 2,5% of the amount Request of a copy of a payment transaction s receipt and/or submission of an unwarranted reclaim Transaction in Estonia 5 Transaction abroad 0 6. Emergency services An inquiry or a PIN code exchange From Danske Bank s ATMs free of charge From the ATMs of other banks in Estonia and from all ATMs abroad 0,32 per inquiry 8. Card transactions history by mail or by by mail according to Item Account Statement by free of charge 9. Closing of the card free of charge 0. Interest within 60 days after date of payment 2 24% per annum. Penalty 2 0,2% of the debt per day 2. Cost of recovering debt arising from credit card limit agreement debt notification 5 debt notification following expiry of limit agreement 5 forwarding of notice via bailiff Customer compensates actual costs incurred by bank in full 3. Fee for blocking of card 3 4. Fine for use of blocked, closed or expired card Fine for exceeding the limit Fee for changing of credit limit if the credit limit is less than Fee for conclusion of credit card limit agreement and/or changing credit limit if the total credit limit is more than Urgent order of card and delivery by courier to customer in Danske Bank Tallinn Business Centre (up to business day) 0 in Estonia (up to business day) 35

12 2 in a foreign country (up to 3 business days) Priority Pass lounge visit 25 per visitor MasterCard Credit cards are not issued from Applies to the MasterCard Business Credit card. FREESTYLE. Conclusion of limit agreement up to % of the limit, min Interest rate of Freestyle 2% per annum on the used part of the limit 3. Changing of limit agreement changing of payment date free of charge fee for other changes 20 premature termination of agreement free of charge 4. Cash payment into Limit account according to Item. under Cash operations 5. Cash withdrawal from Limit account in thetallinn Business Centre,5% of the amount Payment order from Limit account according to Item. under Transfers 7. Advanced repayment of the used limit free of charge 8. Cost of recovering debt arising from limit agreement LOANS debt notification 5 debt notification following expiry of limit agreement 5 forwarding of notice via bailiff Customer compensates actual costs incurred by bank in full. Loans to private persons.. Home loan conclusion of agreement up to % of the loan amount, min 200 amendment of interest period or the type of base interest min 25 + expenses incurred by the Bank due to the amendment amendment of the terms and conditions of the agreement (excl. amendment of interest period or the type of base interest, grace period), incl. amendment of the term of the loan, replacement of the collateral up to % of the outstanding principal loan amount, min 25 granting of the grace period in the repayment of the loan principal 60 fee for a loan guarantee to KredEx (in case of the Home loan guaranteed by KredEx).2. Mortgage loan 3% of the guarantee amount conclusion of agreement up to % of the loan amount, min 250 amendment of interest period or the type of base interest min 25 + expenses incurred by the Bank due to the amendment amendment of the terms and conditions of the agreement (excl. amendment of interest period or the type of base interest, grace period), incl. amendment of the term of the loan, replacement of the collateral up to % of the outstanding principal loan amount, min 25 granting of the grace period in the repayment of the loan principal 60

13 3.3. State student loan conclusion of agreement 2,56 changing of the terms of the agreement 6,39 changing of the repayment schedule 6,39.4. Overdraft conclusion of agreement % of the limit, min 20 changing of agreement up to % of the limit, min 0 extension of agreement up to % of the limit, min 0 premature termination of agreement free of charge interest rate 8% per annum on the used part of the limit.5. Cost of recovering debt arising from loan agreement.5.. Debt notification First debt notification following expiry of loan agreement debt up to debt up to debt over Forwarding of notice via bailiff Customer compensates actual costs incurred by bank in full 2. Loans to business customers 2.. Overdraft agreement fee up to % of the amount, min 75 amendment of the terms and conditions of the agreement o increasing of the overdraft amount up to % of the amount to be increased,min 75 o amendment of the other terms and conditions of the agreement up to % of the amount, min 75 limit fee up to 2% of the unused amount per annum 2.2. Investment loan, working capital loan agreement fee up to % of the loan amount, min 75 increasing of the loan amount up to % of the amount to be increased, min 75 amendment of the terms and conditions of the agreement (excl. increasing of the loan amount) 2.3. Renovation loan to housing associations up to % of the outstanding principal amount, min 75 agreement fee up to % of the amount, min 75 increasing of the loan amount up to % of the amount to be increased, min 75 amendment of the terms and conditions of the agreement (excl. increasing of the loan amount) up to % of the outstanding principal amount, min 75

14 Forwarding of a notice related to a loan agreement forwarding of a notice via the bailiff the actual expenses incurred by the bank are payable by the customer to the full extent VAT will be added to the price of service fees pursuant to the Value Added Tax Act. BANK GUARANTEES. Bank guarantees issued by Danske Bank.. Issuance of Danske Bank s guarantee Guarantee risk premium according to risk estimation, min Guarantee amendment Request for the cancellation of the guarantee from the beneficiary/ a foreign bank.5. Handling and payment of claim under guarantee 0,2 % of the amount, min Postage, courier, SWIFT actual costs, min 0 2. Bank guarantees issued by foreign banks 2.. Advising commission Advising of amendment Handling of claim under guarantee 0,2% of the amount, min Issuance of guarantee against foreign bank s counter-guarantee Guarantee commission (for a month or a part thereof) according to risk estimation, min Advising the foreign bank of guarantee cancellation Postage, courier, SWIFT actual costs, min 0 The ordering customer will also be responsible for paying the foreign bank s guarantee premium and commissions provided that the guarantee is issued by the foreign bank at the request of Danske Bank (against Danske Bank s counter-guarantee). In case of foreign bank s guarantee (Danske Bank s counter-guarantee) the foreign bank s guarantee premium is added. DOCUMENTARY CREDITS. Import documentary credits (Danske Bank s customer is the applicant).. Issuance 0,5% of the amount, min Duration (for a month or a part thereof, calculated from the second month of validity) 0,% of the amount, min Deferred payment commission (for each month or a part thereof) Handling of documents, payment commission (for each partial drawing) 0,% of the amount, min Amendment of the documentary credit (including cancellation) Discrepancy fee Postage, courier, SWIFT actual costs, min 0 The fees and commissions indicated above apply to documentary credits provided that the applicant has 00% cash collateral. Otherwise, a risk premium, is added in accordance with the guarantee agreement made between the Bank and the applicant. The rate of risk premium is based on risk evaluation, being 35 per month, at the minimum, calculated by the month. The risk period is considered as from the date of issuing a documentary credit until the final due date. 2. Export documentary credits (a customer of Danske Bank as receiver of the credit) 2.. Advising commission Amendment commission 00 00

15 Confirmation commission according to risk evaluation, min Handling of documents and/or execution of payment 0,% of the amount, min Discrepancy fee Negotiation / prepayment commission min 0,% of the amount, min Deferred payment commission with Danske Bank s undertaking (for a month or part thereof until the due date) according to risk evaluation, min Deferred payment commission without Danske Bank s undertaking Transfer of a documentary credit / forwarding of transfer instructions (only transferable) 0,25% of the amount, min Advising a foreign bank about the cancellation of a documentary credit Postage, courier, SWIFT actual costs, min 0 Documentary credits are subject to Uniform Customs and Practice for Documentary Credits (993 Revision, Publication No.600 of the International Chamber of Commerce, Paris, France). Duration fee does not apply to Stand-by documentary credits 2 If the amount of a documentary credit is increased or the maturity is prolonged, opening and/or duration fee+ risk premium have to be paid additionally. DOCUMENTARY COLLECTIONS. Documents against payment/acceptance 0,5% of the amount, min Amendment of collection instructions (incl. Delivery of documents free of payment ) 3. Refusal of documents (return of documents to the drawer, charged from the drawer) 4. Fee for the monitoring of the maturity without Danske Bank s payment undertaking (per month or part thereof, from the acceptance of the draft by the drawee till the due date) 5. Fee for the monitoring of the maturity with Danske Bank s payment undertaking (per month or part thereof, from the acceptance of the draft by the drawee till the due date) 6. Release of goods (when the merchandise has been consigned to the order of the Bank) according to risk evaluation, min 35 per month 0,5% of the amount, min Postage, courier, SWIFT actual costs, min 0 The fees and commissions indicated above apply both to import and export documentary collections. Documentary collections are subject to Uniform Rules for Collections (995 Revision, Publication No.522 of the International Chamber of Commerce, Paris, France). FACTORING. Agreement fee % of the limit, min Amendment of the terms and conditions of the agreement increasing of the limit amount % of the limit to be increased, min 75 chancing the buyer s limits 65 amendment of the other terms and conditions of the agreement % of the limit, min Invoice processing fee 0,-0,7% of the value of the invoice 4. Fee for the inquiry into buyer s risk limit min 65 per buyer VAT will be added to the price of service fees pursuant to the Value Added Tax Act

16 LEASING For private persons. Lease agreement ( except real estate lease ) fees finance lease starting from % of the value of the asset, min 75 operating lease starting from % of the value of the asset,min Amendment of the terms and conditions of the car lease agreement 2.. Formalising of an unscheduled additional repayment, reduction or extension of the repayment period Granting of a grace period Amendment of the type of the repayment schedule or the repayment date Amendment of the interest rate 2 up to % of the outstanding amount, min Re-formalisation of the operating lease agreement into a finance lease agreement Early termination of the finance lease agreement free of charge 2.7. Early termination of the operating lease agreement fee equal to the lease payments for 2 months 3. Amendment of the terms and conditions of real estate lease agreement 3.. Increasing of the amount starting from % of the amount which will be increased, min Granting of a grace period in connection with child birth free of charge 3.3. Amendment of the type of the repayment schedule or the payment date Amendment of other terms and conditions of the agreement incl. amendment of the interest rate, amendment of the term of the loan, release and replacement of the collateral, granting of a grace period up to % of the outstanding lease amount, min Formalising of an unscheduled additional repayment % of the repayment amount, min Early termination of the agreement free of charge, if the agreement has been concluded from Cost of recovering debt arising from leasing agreement Agreements concluded before and terminated by covenanted notification, interest rate of one month. 4.. Debt notification First debt notification following expiry of leasing agreement Debt up to Debt up to Debt over Forwarding of notice via bailiff Customer compensates actual costs incurred by bank in full For legal customers. Car lease agreement fees finance lease starting from % of the value of the asset, min 75 6

17 7 operating lease starting from % of the value of the asset, min Lease of commercial vehicles, machinery and equipment 2.. Agreement fee starting from 0,5% of the price of the asset, min Amendment of the terms and conditions of the lease agreement (incl. car and real estate lease, lease of commercial vehicles, machinery and equipment) 3.. Granting of a grace period, formalising of an unscheduled additional repayment, reduction or extension of the repayment period 2 starting from 0,3 % of the lease amount, min Amendment of the type of the repayment schedule or the payment date Amendment of the interest rate 2 up to % of the outstanding amount, min Re-formalisation of the operating lease agreement into a finance lease agreement % of the outstanding amount, min Early termination of the finance lease agreement % of the outstanding lease amount, min 68, whereas the notification deadline must be in compliance with the terms and conditions of the agreement 3.6. Early termination of the operating lease agreement fee equal to the lease payments for 2 months Other service fees. Ordering a notarial transcript of an agreement 6,50 + the notary fee 2. Delayed payment of taxes (incl. land tax, heavy vehicle tax), overdue claims and unpaid penalties for breach of law while using the Asset 20 + actual costs 3. An unattested proxy for using the vehicle for the first time (registration of vehicle) free of charge additional copy 6,50 4. Ordering of a notarised power of attorney for using the vehicle (a proxy required in crossing the border, in Estonian or in Russian) 6,50 + the notary fee urgent order (if possible within 24 h) 25 + the notary fee 5. An authorization document to the Traffic Register needed for ordering a duplicate of the registration certificate 6. An authorization document to the Traffic Register needed for the replacement of the registration certificate (incl. replacement of the number plate, amendment of the user s data or another proceeding in the Traffic Register) 7. An authorization document to the Traffic Register needed for the registration of the vehicle in the name of the bank/in the name of a new owner or for deleting the vehicle from the register (an insured event). 6,50 + the notary fee (if attested by the Notary Public) 6,50 free of charge 8. Formalization of Road Administration e-service transaction 3,20 9. Release of additional collateral (incl. suretyship) Release of the vehicle from alienation ban or registered security in the Traffic Register. Confirmation of the bank/ formalizing certificates, confirmation letters Payment of the expenses incurred by the bank due to the relocation of the vehicle 3. Transfer of the right of ownership to the bank due to the violation of the agreement actual costs 68 + actual collection expenses

18 4. Interest rate calculated on insurance payments 8% per annum VAT will be added to the price of service fees pursuant to the Value Added Tax Act. 2 VAT will be added to the above fees pursuant to the Value Added Tax Act, if the agreement has been concluded before DEPOSITS. Withdrawals from Growth Deposit.. Disbursement in compliance with product conditions in the business centre and through Danske Telephone Bank o to current account tied to the Growth Deposit free of charge o internal payment 3,50 o payment to another bank 3,50 through Danske Internet Bank o to current account tied to the Growth Deposit free of charge o internal payment 0,6 o payment to another bank 0,50 through Danske LiveGate o to current account tied to the Growth Deposit free of charge o internal payment 0,6 o payment to another bank 0,38.2. Premature withdrawal of deposit amount internal payment in case of available balance less than ,3% of the amount, min 3,50 payment to another bank in case of available balance less than ,3% of the amount, min 3,50 Withdrawals from the Growth Deposit can be made according to the subdivision Business Days of Payment Transactions and Deadlines of Execution of Payments of the bank s price list SECURITIES SERVICES. Opening, closing and transfer of a securities account.. Opening and closing of a securities account for keeping securities not filed with the ECSD for Danske Private Banking customer free of charge for a legal person free of charge.2. Opening of a securities and/or a pledge account with the Estonian Central Securities Depository (ECSD) for Danske Private Banking customer 3,20 for a legal person Transfer of the securities account with the ECSD to another account manager 5.4. Replacement of a current account that serves an ECSD securities account with another current account opened in the Bank for the securities account holder who is a private person free of charge.5. Closing of the securities account with the ECSD 3,20 2. Securities account administration fee Securities registered in the ECSD, but not listed on stock exchange 3 for a private person 0,83 for a legal person 5,42 8

19 Securities account administration fee based on the value of the portfolio Stock exchange listed securities registered in the ECSD for a private person o up to ,83 o 0 00 to ,66 o over ,75 for a legal person o up to 3 mill. 0,003% of the amount, min 8,33 o over 3 mill. 8,50 + 0,00% on the amount exceeding 3 mill Polish, Czech and Hungarian securities 4,5 for a private person 0,03% per month, min,92 for a legal person 0,03% per month, min 9, Russian and Ukrainian securities 4 for a private person 0,07% per month, min 5,98 for a legal person 0,07% per month, min 32, Securities of other countries 4,5 for a private person 0,05 % per month,min,92 for a legal person 0,05 % per month, min 9, Danske Invest Fund Management Ltd and Danske Invest Management Company S.A. funds free of charge 2.4. Empty securities account with the Bank free of charge 2.5. Empty securities account with the ESCD for a private person 0,83 for a legal person 5,42 3. Service fee of brokered transactions depending on the value of the transaction 6,7 Estonian, Latvian and Lithuanian equities 0,2%, min 0 Austrian, Belgian, Canadian, Czech, Danish, Finnish, French, German, Hungarian, Irish, Italian, Netherlands, Norwegian, Polish, Portuguese, Spanish, Swedish, Swiss, UK and US equities (inc. ETF 8, GDR 9 and ADR 9 ) Australian, Greek, Hong Kong, Japanese, New Zealand and Singapore equities 4. Securities transactions 4.. Transactions in securities filed with the ECSD 0,25%, min 3,96 0,4 %, min 50 purchase-sale against payment 0 3,20 purchase-sale without payment 4,79 securities subscription fee 3,20 confirmation of a stock exchange transaction 3,20 registration and amendment of a pledge transaction 0 transfer of pledged securities 5 cross-border securities transfer without/with a payment 0

20 Transactions in fund shares 2 subscription for / redemption of the shares of Danske Invest 3 3,20 purchase-sale without payment of fund units of Danske Invest to the same customer s another securities account with the Bank application for inheriting units of supplementary funded pension (redemption or transfer) free of charge subscription for / redemption of fund shares registered in ECSD,60 standing subscription of fund shares registered in ECSD,60 standing subscription of Danske Invest fund shares free of charge exchange of the units of Danske Invest 3,20 exchange of the units registered in the ECSD 4,79 redemption of voluntary pension fund units for the conclusion of the supplementary funded pension insurance contract 4.3. Transactions in instruments traded in foreign markets 4,7 transactions with the counterparty, who has no securities account with Danske Bank A/S Estonia branch 6 4,79 o Polish, Czech, Hungarian and Russian securities 3,96 o securities of other countries 9,7 Danske Bank A/S Estonia branch internal transaction 6,39 subscription for securities 9,7 registration of a pledge transaction Cancellation of an order 4 service fee for the respective transaction 5. Reports Securities account statements issued by Bank via Danske Internet Bank free of charge in the business centre 5,09 by mail o in Estonia 2 o abroad 4 by free of charge 5.2. Statements issued by the ECSD advice of the opening of securities account with the ECSD by ,09 an annual statements to a private and to a legal person 6 free of charge 6. Corporate events 6.. on dividends/interest income 2 to be agreed with the Bank 6.2. application for a more favourable income tax rate on dividends/interest income 2 to be agreed with the Bank 6.3. Processing of transactions related to corporate events 7 0,% of sum + 6,5, max 500 Pledge account is opened, in case securities filed with the ECSD are pledged on the basis of the financial collateral agreement. The pledge shall become effective from the moment the securities subject to pledge have been received in the pledge account. 2 VAT will be added to the price of service fees pursuant to the Value Added Tax Act. 3 If both listed and unlisted securities are kept in the same securities account, the securities account is classified as a listed securities account. The administration fee for such an account is calculated on the basis of the market value of the listed securities kept on the account. 4 Computation is based on the value of the portfolio at the end of each month. The value of a portfolio is computed on the basis of the market value of shares, nominal value of bonds and the net asset value of fund shares. The current account is debited with the

21 2 fee by the 5th day of any following month. No fee is debited for estonian enterprise s securities that are registered in ECSD and are liquidated or bankrupt. 5 The list of mediated markets and possible types of transactions has to be agreed on with the Bank in advance. 6 Brokerage Transactions means execution and settlement of equities orders, where the customer has his custody account in Danske Bank 7 If the Bank is required to pay taxes (e.g. stamp duty on Irish and UK securities transactions or the financial transaction taxes of various countries), fees or other costs associated with the customer's securities transactions and/or brokerage transactions, the Bank has the right to debit them from the customer's current account without the customer's consent. 8 An exchange-traded fund (ETF = Exchange Traded Fund) is a security that tracks an index, a commodity or a basket of assets like an index fund, but trades like a stock on an exchange. 9 A negotiable certificate held in the Bank of one country representing a specific number of shares of a stock traded on an exchange of another country. 0 Transactions made through a broker of Danske Bank are subject to a brokerage fee. Both parties who submit an order for registration, amendment, transfer or realisation of a pledge transaction are charged the fee. 2 In subscribing for and redeeming fund shares subscription or redemption fee may be charged according to the terms and conditions of the respective fund. 3 Invested amounts are converted according to the official exchange rate of European Central Bank. 4 If the cancellation of the order generates costs for the Bank due to price changes or penalties paid to other institutions, such costs will be added to the price of the relevant service and debited from the customer s current account without the additional consent of the customer. 5 Once a year free of charge from a branch of the Bank 6 Based on the customer s application submitted separately in each case 7 This fee applies in the case of mergers by buyout, subscriptions, trading in rights or participation in tenders. MANDATORY FUNDED PENSION. Funded Pension Selection Application.. In the branch free of charge.2. Through Danske Internet Bank free of charge 2. Application for exchanging the funded pension fund units 2.. In the branch free of charge 3. Application for inheriting units 3.. Application for redemption or transfer of pension fund units to the successor s pension account SAFE DEPOSIT BOXES. Boxes up to 5 cm high (4*25*45 cm).. Monthly fee Earnest money Contractual penalty Boxes more than 5 cm high (*25*45 cm / 6*25*45 cm / 29*25*45 cm) 2.. Monthly fee Earnest money Contractual penalty 00 The service is provided by agreement and only in the Tallinn Business Centre. 2 VAT will be added to the service fee pursuant to the Value Added Tax Act. ADDITIONAL SERVICES. Certificates.. Certificate for the Commercial Register 2.2. Account balance confirmation 5.3. Report for audit purposes

22 22.4. Other certificates 5.5. Certificates requiring special solutions Mailing of documents In Estonia 2 Abroad 5 3. Forwarding of documents with the courier according to actual costs 4. Additional copies of documents 0,50 / page 5. Issue of copy of recorded document (older than month) 5 6. Examination of documents 6.. Primary handling fee Repeated handling fee 30 / hour, min Legalization of documents 3,96 + actual costs Account balance confirmation is a certificate providing information about the balances of the customer s current account and time deposit as well as overdraft limit as at a certain date requested by the customer. However, this certificate does not contain information about accrued interests, authorised signatories, restrictions established on the accounts and information about credit cards, loan agreements, trade financing agreements, factoring agreements and other agreements. Account balance confirmation can be ordered by the company s authorised signatory via the Internet Bank or other channels. 2 Report for audit purposes is an overview of a company s current accounts and the data on the agreements related to these current accounts as at a particular date requested by the customer. A request for information for audit purposes can be submitted to Danske Bank by the authorised person of a company (a member of the management board or a person authorised to submit the request) in the online bank, by ing a digitally signed audit query request or at any branch of Danske Bank.

23 23 BUSINESS DAYS OF PAYMENT TRANSACTIONS AND DEADLINES OF EXECUTION OF PAYMENTS The Customer can submit payment orders to Danske Bank (hereinafter the Bank ) via e-banking channels (Danske Internet Bank, Danske Mobile Bank, Danske LiveGate, SWIFT) on all calendar days and at the Bank s business centres during the opening hours of the branches and the Danske Telephone Bank. If the payment order is submitted to a business centre of the Bank or via the Danske Telephone Bank, the payer s account is always debited on the day the payment order is accepted by the Bank. However, in e-banking channels it is also possible to initiate payments with a future date. Payment orders and non-cash conversion orders are accepted for execution under the following conditions, incl. at the following times. Payment orders which reach the Bank later will be accepted for execution on the next business day. The Bank determines the bank s value date for each payment, which is the day on which the payment amount is transferred to the payee s bank. Type of order Business day Debiting of the payer s account The bank s value date Domestic payments Intra-bank and intra-account payments From 0.00 to 8:00 on a calendar day that is not a Saturday or Sunday, or a public or national holiday in Estonia On a calendar day specified on the customer s payment order. If the bank receives a payment order after the end of the business day and the payment needs to be additionally checked, then on the next business day. Crediting of the payee s account On the day on which the payment is accepted for execution. Outgoing domestic payment Incoming domestic payment Standing order A calendar day except Saturday, Sunday and national or public holidays in Estonia or holiday of European clearing system TARGET2. Normal payment s business day is from 0.00 to 6.30, urgent payment s business day is from 0.00 to 7.00 A calendar day from 9.00 to 8.00 except Saturday, Sunday and national or public holidays in Estonia or holiday of European clearing system TARGET2 Either the business day of the intraaccount and intrabank payment or the business day of the domestic payment depending on the type of payment executed on the basis of the standing order On a calendar day specified on the customer s payment order. If the bank receives a payment order after the end of the business day and the payment needs to be additionally checked, then on the next business day. On the payment date specified on the standing order or in the payment schedule attached as an appendix to the standing order. If the payment date falls on a Saturday, Sunday or a national or public holiday in Estonia and the funds in the customer s account are insufficient to execute the payment, the Bank shall be entitled to monitor receipt of necessary funds in the account during next calendar days until the next day which is not Saturday, Sunday or a national or public holiday in Estonia and shall debit the account on the basis of the standing order immediately after the necessary amount has been received in the account. The same business day The day specified by the payer s payment service provider On the day on which the payment is accepted for execution. On a business day immediately after receipt of the amount by the Bank Either on the business day of the intra-account and intra-bank payment or on the business day of the domestic payment depending on the type of payment executed on the basis of the standing order

24 24 Foreign payments Payment in euros in European Economic Area member states Other foreign payment A calendar day from 0.00 to 5.00 except Saturday, Sunday and national or public holidays in Estonia or holiday of European clearing system TARGET2 A calendar day except Saturday, Sunday, national or public holidays in Estonia or in the domicile country of the currency of the payment or holiday of European clearing system TARGET2, if payment currency is the euro. The business days by types of payment are as follows: Normal payments: from 0.00 to 7.00 Urgent and extra urgent payments: from 0.00 to In the Bank s business centres: on the day of receipt of the foreign payment order Via electronic channels: on a calendar day, except Saturday, Sunday, national or public holidays in Estonia. In the Bank s business centres: on the day of receipt of the foreign payment order Via electronic channels: on a calendar day, except Saturday, Sunday, national or public holidays in Estonia. Normal and urgent foreign payments (one) business days after acceptance of the foreign payment order for execution; Extra urgent payments: the business day on which the foreign payment order is accepted for execution. Normal foreign payments: 2 (two) business days after acceptance of the foreign payment order for execution; Urgent foreign payments: (one) business day after acceptance of the foreign payment order for execution; Extra urgent payments: the business day on which the foreign payment order is accepted for execution. In accordance with the conditions established by the payee s bank. As a rule, on the same or the next business day after the Bank s value date. In accordance with the conditions established by the payee s bank. As a rule, on the same or the next business day after the Bank s value date. Incoming foreign payment A calendar day from except Saturday, Sunday, national or public holidays in Estonia. The day specified by the payer s payment service provider or the payment intermediary. On the Bank s value date or on the business day following it ( if the value date differs from the business day) after receipt of the amount by the Bank.