Fees and charges. Account maintenance, safes, certification and enquiries. ADVANTAGES OF E-BANKING Absence de frais d'envoi de courrier

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1 Account maintenance, safes, certification and enquiries ACCOUNT MAINTENANCE CERTIFICATION AND ENQUIRIES Account maintenance fees 1 25 EUR / quarter Payment enquiries Current account maintenance fee (EUR) included Standard enquiries 50 EUR + correspondent fees Savings account maintenance fee included Special enquiries fees vary depending on request Sub-accounts in other currencies included Copies of account statements and certifications Securities account included All certifications on movements and tax certifications for current year no LuxTrust Scan (e-banking) included Account statements / debit advice for previous years (< 10 years) 50 EUR + 17% VAT Portfolio statement included Account balance and tax certification (income from coupons) for previous years (<10 years) 50 EUR + 17% VAT Tax / income statement for the current year included Tax statements for previous years (<10 years) 50 / 100 EUR + 17% VAT depending on jurisdiction Purchase price certification requests (for each direct investment) 50 EUR + 17% VAT FLAT FEE FOR NON-COMMERCIAL COMPANIES Special enquiries 300 EUR / hour + 17% VAT Administrative fees 200 EUR / quarter Other certifications and various services 50 EUR + 17% VAT Other miscellaneous fees FLAT FEE FOR UK RND ACCOUNTS Varoius administrative fees 300 EUR + TVA 17% Administrative fees 125 EUR / quarter FEES FOR CLOSING ACCOUNT (CORPORATE ENTITES TAX AND LEGAL SERVICES Administrative fee 300 EUR Tax reclaim - preparation of tax reclaim application and tax vouchers 500 EUR + 50 EUR for each claim + 17% VAT Tax voucher only 50 EUR for each claim + 17% VAT Implementation / renewal of reduced withholding tax application 500 EUR + 17% VAT Implementation / renewal of reduced withholding tax application (France) 500 EUR + 50 EUR for each claim + 17% VAT CORRESPONDENCE FEES Standard legal fees 2 50 EUR / hour + 17% VAT (min 100 EUR) On-line consultation (e-banking and BL Mobile Banking) Free Services of legal counsel 300 EUR / hour + 17% VAT Sent monthly by post Additional fee: 10 EUR / Qtr. / Address Analyses and estate-planning advice 1500 EUR EUR / hour Sent weekly by post Additional fee: 20 EUR / Qtr. / Address (as of 5th hour) + 17% VAT Sent daily by post Additional fee: 50 EUR / Qtr. / Address E-BANKING ACCESS POSTAL CHARGES - DHL LuxTrust Scan Shipments maximum 50 EUR + VAT 17 % / package 1st device no 2nd device 50 EUR + 17% VAT SAFE DEPOSIT BOXES ADVANTAGES OF E-BANKING Absence de frais d'envoi de courrier No postal correspondence fees No for money transfers 30% reduction on standard fees for market transactions Access to pre-generated statements and 60-month statement archive Access to account transactions for the last 36 months and credit card transactions for the last 12 months Communication with your adviser via secure messaging E-banking services are available from your mobile phone, computer or tablet. Volume (dm 3 ) - dimensions (Height (H), Length (L), Depth (D)) quarterly rental (keys held by client) + 17% VAT 10.85: H: 09 cm L: 30 cm D: 44 cm EUR no 18.82: H: 15 cm L: 30 cm D: 44 cm EUR 30 EUR 38.68: H: 30 cm L: 30 cm D: 44 cm 30 EUR EUR 78.41: H: 60 cm L: 30 cm D: 44 cm 40 EUR EUR : H: 60 cm L: 60 cm D: 44 cm 60 EUR EUR : H: 90 cm L: 60 cm D: 44 cm 80 EUR EUR quarterly rental (keys held at the Bank) + 17% VAT 1 Fees deducted at beginning of quarter 2 In accordance with our General Terms and Conditions, these fees shall be additional to any legal fees incurred by the Client and payable by the Bank. Page 1 of 9 Last updated: 1/1/2017

2 Securities trading, gold & precious metals 1 EQUITY FUNDS 2 3 EQUITIES 2 5 / STRUCTURED In-house funds Selected promoter funds 8 PRODUCTS In-house funds BOND FUNDS 2 Selected promoter funds 8 BONDS 2 2 MONEY-MARKET FUNDS In-house funds Selected promoter funds 8 OTHER EXTERNAL FUNDS 2 Buy / Subscription 0-25,000 EUR 25, ,000 EUR 100, ,000 EUR > 500,000 EUR 1.25% 1.00% 1.00% 0.75% 0.75% 0.50% 0.50% 0.25% 0.20% 2% + any fees applied by the promoter Sale / redemption Same as Buy / Subscription Same as Buy / Subscription Same as Buy / Subscription 1.5% + any fees applied by the promoter Minimum / transaction EUR Switches to another fund / / / / Custody fees 0.25% / annual + VAT % / annual + VAT % / annual + VAT 6 deposits / entries: Securities transfers deliveries / withdrawals: 100 EUR entries / deliveries of hedge funds: 300 EUR Orders on stocks, bonds, investment funds and structured products conducted on our website or e-banking application benefit from a 30% reduction on trading fees (minimum 50 euros). GOLD AND PRECIOUS METALS 2 Purchases Transfer and physical delivery Custody fees deducted quarterly 6 Deposits made during the quarter according to size and volume of transaction 125 EUR / holding 0.25% annual + VAT no fee 1 The usual margins shall be applied for spot exchange transactions on stock market trades and forward exchange operations. 2 For purchases, value date = "trade date". For sales = "trade date + 5 days" 3 Equity, balanced funds and other funds 4 Excluding 'prepayment hedge funds': minimum 300 EUR 5 Trading on the main stock markets of the following countries: Australia, Austria, Belgium, Finland, France, Germany, Italy, Japan, Luxembourg, Netherlands, Norway, Portugal, Spain, Sweden, Switzerland, United Kingdom, United States. Including correspondent fees, except for trades on the US stock market on which an 18 USD settlement fee shall be due. Other fees may apply such as local taxes and stamp duties. 6 The minimum amount deducted per quarter is 5 EUR per holding, minimum EUR / portfolio + VAT. VAT is 14% for securities and 17% on gold and precious metals. 7 This fee structure applies to structured products traded on the stock exchange. For new issues of structured products: price set by the issuer. 8 See fee above + promoter fees may apply + external fees. Page 2 of 9 Last updated: 1/1/2017

3 Discretionary mandates BL-FUNDS MANAGEMENT SOLUTION Annual 'all-in' management fee + performance fee 2 Minimum investment amount: EUR 0.40% (min. 150 EUR before tax / quarter) 0.20% + 10% (min. 75 EUR before tax / quarter) BL FUNDS FLEXIBLE MANAGEMENT SOLUTION Annual 'all-in' management fee + performance fee 2 Minimum investment amount: EUR 0.40% (min. 150 EUR before tax / quarter) 0.20% + 10% (min. 75 EUR before tax / quarter) BL-GLOBAL FUNDS MANAGEMENT SOLUTION No minimum investment amount 0.40% (min. 50 EUR before tax / quarter) EXTERNAL FUNDS MANAGEMENT SOLUTION Annual 'all-in' management fee + performance fee 3 Minimum investment amount: EUR 1% (min. 400 EUR before tax / quarter) 0.50% + 20% (min. 200 EUR before tax / quarter) DIRECT LINES MANAGEMENT SOLUTION Annual 'all-in' management fee + performance fee 4 Minimum investment amount: 2 million EUR 1.20% (min EUR before tax / quarter) 0.60% + 20% (min EUR before tax / quarter) 1 Annual fee d on the value of the portfolio in euros, deducted quarterly + 17% VAT. 2 Annual management fee of 0.20% + 10% of the positive performance of the portfolio + 17% VAT. 3 Annual management fee of 0.50% + 20% of the positive performance of the portfolio + 17% VAT. 4 Annual management fee of 0.60% + 20% of the positive performance of the portfolio + 17% VAT. Page 3 of 9 Last updated: 1/1/2017

4 Credit and debit cards SEPARATE VISA OR MASTERCARD 1 SEPARATE VPAY CARD 1 Annual fee Annual fee 25 EUR VISA web 15 EUR Withdrawals from Bancomat / V Pay cash dispensers VISA Classic / Mastercard Blue 25 EUR within the eurozone no fee VISA Premier 100 EUR Purchases at retail outlets displaying the V Pay signs VISA f 100 EUR in European Union no fee VISA Business EUR VISA Infinite 350 EUR MasterCard Gold 75 EUR MasterCard Silver EUR Additional for urgent card or PIN issues 2 75 EUR Transactions cash advance 2.00 EUR + 2% payments at minicash outlets no fee 1 Dispatch of card or PIN via DHL: 10 EUR (Luxembourg), 25 EUR (EU), 35 EUR (outside EU) + 17% VAT. Fee for reissuing statements: 15 EUR / statement 2 Card issued in 2 business days maximum 3 Business cards reserverd for professional use only Fees and s apply to private clients and asset management structures (except for business cards) and are expressed in euros. Fees are subject to change. For further information or to obtain specific information on your personal situation, please do not hesitate to contact your Client Relationship Manager or to call (+352) Page 4 of 9 Last updated: 1/1/2017

5 Money-market products and Savings Plan CURRENT ACCOUNT TERM DEPOSITS (in EUR / USD) Annual interest rate in euros in other currencies Amount minimum 10,000 EUR or exchange value interest nil on request Annual interest rate fixed on the day the contract is signed debit interest 9,00% Central bank rate +9% depending on market conditions Deposits & withdrawals deposits in the currency of the account no fee no fee term deposit 1 week to 10 years deposits in another currency market rate + margin depending on amount withdrawals in the account currency <= 10,000 EUR: no fee 0.40% 1 SAVINGS PLAN withdrawals in another currency Duration > 10,000 EUR: 0.20% 0.40% 1 Deposits no fee min. 50 EUR - max EUR Initial deposit and frequency flexible market rate + margin depending on amount Custody fees value date nil USD: 1 business day Eligible funds Banque de Luxembourg funds in EUR other: 0-2 business days Minimum deposit 30 EUR SAVINGS ACCOUNT in euros in other currencies Account maintenance fees (for savings plan) none Annual interest rate 0.10%³ on request Switches between funds no fee Deposits & withdrawals Withdrawals duration of plan > 10 years deposits in the currency of the account no fee no fee between 5 and 10 years 1% market rate + margin depending on less than 5 years 2% deposits in another currency amount withdrawals in the account currency <= 10,000 EUR: no fee 0.40% 1 Permanent credit line 2 Entry fees > 10,000 EUR 0.20% 0.40% 1 annual interest rate depending on market conditions min. 50 EUR - max EUR withdrawals in another currency market rate + margin depending on amount value date 5 business days 5 business days none none 1 Withdrawals in other currencies other than USD, GBP or CHF and in particular withdrawals in exotic currencies result in additional fees. 2 Available once the capital saved in the Savings Plan reaches 5,000 EUR. The maximum amount of credit offered is 50% of the amount saved in the plan with an upper limit of 12,500 EUR. 3 No interest paid on amounts over EUR 2.5 million. For further information or to obtain specific information on your personal situation, please do not hesitate to contact your Client Relationship Manager or call (+352) Page 5 of 9 Last updated: 1/1/2017

6 Transfers and cheques TRANSFERS BETWEEN ACCOUNTS AT BANQUE DE LUXEMBOURG free CHEQUES Provision of a chequebook (25 cheques) TRANSFERS IN EUROS between EU member countries - s shared 1 5 Cheques in euros presented by banks in Luxembourg free e-banking free Cheques presented by foreign banks standing order free Cashing fee 6 EUR direct debit free Settlement fee 0.20% (min. 10 EUR, max. 130 EUR) UPO 2 amount < 50 EUR free amount > 50 EUR 2 EUR CHEQUE COLLECTIONS Cheques drawn on a BL account OTHER TRANSFERS: outside EUR or in currencies other than euro 6 Cheques drawn on banks in Luxembourg 5 EUR s shared ³ or paid by beneficiary 4 5 EUR Cheques drawn on foreign bank or other currencies 0.50% (min 10 EUR. max 100 EUR) s paid by ordering customer¹ 0.20% (min 10 EUR. + any correspondent fees max 130 EUR) TRANSFER SUPPLEMENTS Manual processing 7 4 EUR BANK CHEQUES * Confirmation 10 EUR At counter Return fee for unpaid cheques By registered post Cashing fee Settlement fee Cashing fee Settlement fee 30 EUR free correspondent fees 25 EUR 0.20% (min. 10 EUR, max. 130 EUR) 30 EUR 0.20% (min. 10 EUR, max. 130 EUR) * in the event of cancellation, the correspondent's s will be invoiced to the client 1 In the case of "s paid by ordering customer", a fee of 0,20% shall apply (min 10 EUR, max 130 EUR). 2 Standard transfer forms available from our branches. 3 Where no indication is given, the default option is "s shared". 4 The s paid by the beneficiary option may only be applied to transfers in euros or in a currency of an EU member state to a non-eu member state, or to transfers in a currency of a non-eu member state. 5 Cross-border transfers in euros as referred to to in European Regulation EC 924/2009 (amended by the European Regulation (EU) 260/2012): - transfers in euros between EU member countries - indicating the beneficiary's account number in the IBAN format and the beneficiary's BIC code; - indicating that s are to be shared (the beneficiary has only to pay any s invoiced by his bank). Transfers complying with these conditions and indicating "s paid by beneficiary" shall be treated as "s shared". 6 Concerns cross-border transfers in euros that fall outside the scope of the European regulation EC 924/2009 (amended by the European Regulation (EU) 260/2012) and transfers in currencies (all payment instruments). Transfers to countries outside Western Europe and United States or in exotic currencies may give rise to additional s. 7 Use of transfer modes other than UPO forms and e-banking or that may not be processed automatically. For further information or to obtain specific information on your personal situation, please do not hesitate to contact your Client Relationship Manager or call (+352) Page 6 of 9 Last updated: 1/1/2017

7 - applicable as of 1st January 2017 Loans 1 "LOMBARD CREDIT" FIXED-RATE CONSUMER LOAN Amount min 25,000 EUR or exchange value Amount between 5,000 EUR and 75,000 EUR 3 Term from 1 month to 1 year Term max 5 years 3 renewed by tacit agreement Repayments constant monthly repayments Annual debit interest 2 averaged 3-month market rate 4 Fixed interest rate on request + margin depending on pledged portfolio Administration fees 150 EUR VARIABLE- / FIXED-RATE MORTGAGE LOAN VARIABLE- / FIXED-RATE PERSONAL LOAN Amount min 25,000 EUR Amount from 25,000 EUR Term from 5 to 20 years Term between 1 and 10 years Repayments constant monthly repayments Repayments constant monthly repayments Variable interest rate depending on market conditions Variable interest rate depending on market conditions Fixed interest rate on request Fixed interest rate on request Administration fees 0.10% on the amount borrowed (min. 150 EUR) Administration fees 0,10% (min 250 EUR) Early repayment BANK GUARANTEE variable-rate mortgage no fee 100% secured guarantee 0.25% per quarter underway fixed-rate mortgage early exit fee min 20 EUR depending on market conditions Guarantee for public auction 150 EUR 1 Conditions valid subject to approval of your application by the bank 2 The rate is set on the day the contract is signed and reset on the expiry date. 3 If the amount of the loan is greater than 75,000 EUR or if the duration of the loan is greater than 5 years, it will be considered as a personal loan. 4 In the event of a negative interest rate, the annual interest rate will never fall below the margin. Page 7 of 9 Last updated: 1/1/2017

8 - applicable as of 1st January 2017 Payments of coupons and redeemable securities PAYMENT OF COUPONS PRESENTED TO OUR COUNTERS 1 CORPORATE ACTIONS AND RELATED credited to account at our counters Mandatory and optional corporate actions on securities in custody no Paying office: Banque de Luxembourg no fee no fee Annual general meetings EUR 100 Corporate actions regulation on physical shares 0,50% (min 100 EUR EUR) Other paying office in Luxembourg no fee 2% (min 5 EUR / holding) Certificate issued for Class Actions EUR 250 IRS Section 302 tax reclassification USD 250 Other paying office abroad 2% (min 4 EUR / holding) 3% (min 5 EUR / holding) Discount s / 1% (min 1 EUR / holding) PAYMENT OF REDEEMABLE SECURITIES PRESENTED TO OUR COUNTERS credited to account at our counters Paying office: Banque de Luxembourg no fee no fee Other paying office in Luxembourg no fee 1,25% Other paying office abroad 1% min 4 EUR / holding 1.25% (min 4 EUR / holding) Discount s / 1% (min 1 EUR / holding) COUPON PLUS PACKAGE REINVESTING COUPONS AND SECURITIES CREDITED TO ACCOUNT Reinvestment in our funds "Sicav" BL and BL Fund Selection 50% discount on entry fees 1 Coupons lodged more than 30 days before payment date are subject to a custody fee of 7 EUR per holding. Page 8 of 9 Last updated: 1/1/2017

9 Young person account [ 0-25 ] years old 1 MY FIRST BANK [ 0-17 ] YEARS OLD MY BANK [ ] YEARS OLD Account maintenance no fee Account maintenance no fee Savings account [ 0-17 ] in euros 2 6 Savings account [ ] in euros 6 annual interest rate 0.80% annual interest rate 0.80% value date 5 business days value date 5 business days Savings Plan Savings Plan deposit no fee deposits no fee withdrawal no fee withdrawals no fee automatic credit line 18 years and over automatic credit line 3 depending on market conditions Interest-paying current account [ ] in euros Current account [ ] annual interest rate n/a annual interest rate n/a value date n/a value date n/a weekly correspondence sent by post no fee Transfers in euros between EU member countries: s shared 4 Transfers in euros between EU member countries: s shared 4 by e-banking no fee by e-banking no fee V PAY debit card V PAY debit card [ ] annual fee no fee annual fee no fee withdrawals from cash dispensers in the EU or Switzerland no fee withdrawals from cash dispensers in the EU or Switzerland no fee retail purchases in the EU or Switzerland no fee retail purchases in the EU or Switzerland no fee Visa Classic or MasterCard Blue credit card annual fee no fee E-BANKING ACCESS [ ] retail purchases in the EU or Switzerland no fee LuxTrust Scan cash advance 2.00 EUR + 2% 1st device Study loan 5 annual interest rate 2.00% E-BANKING ACCESS [ ] LuxTrust Scan 1st device 1 Services available for young people not included on this sheet are subject to standard conditions 2 Withdrawals and transfers possible as of 18 years 3 Available as of age of 18, once the capital saved in the Savings Plan reaches 5,000 EUR and up to 50% of the capital saved (with a maximum limit of 12,500 EUR) 4 Transfers in euros, indicating the beneficiary's IBAN number and BIC code, 5 Subject to approval of application by the "Ministère de l'enseignement Supérieur" and the bank 6 Interest paid on savings accounts is restricted to EUR maximum. Above this amount, no interest is paid. Page 9 of 9 Last updated: 1/1/2017