Table of fees and commissions

Transcription

1 Table of fees and commissions charged by Bank BPH S.A. for activities related to Corporate Customer service / 25

2 Contents Principles of Rusing the table 3 I. I. MAINTENANCE OF BANK ACCOUNTS 4 II. II. CASH TRANSACTIONS 8 III. III. DOMESTIC CASHLESS, CHEQUE AND BILL OF EXCHANGE TRANSACTIONS 9 IV. IV. FOREIGN EXCHANGE TRANSACTIONS 10 V. V. PAYMENT CARDS 11 VI. VI. TRADE SERVICE AND FINANCE 13 VII. VII. LOANS 17 VIII. VIII. GUARANTEES, COUNTER GUARANTEES, BILL SURETIES, SURETIES 18 IX. IX. SECURITIES ACCOUNT AND TRUST SERVICES 19 X. X. OTHER ACTIVITIES 21 XI. XI. TERMS & CONDITIONS FOR OTHER BANKS 22 2 / 25

3 PRINCIPLES OF USING THE TABLE 1. All Bank s organisational units and sections charge fees and commissions for ordered services on the basis of the rates specified in the Table. 2. For bank activities performed by the Bank on the basis of agreements with the Customer, commissions/fees other than those specifiedin the Table may be charged on terms and of the agreed mutually in such agreements. 3. At a Customer s request, the Bank may perform activities other than those listed in the Table, however the Bank reserves the right to charge a bank commission or fee. 4. The Bank determines commissions and fees for ordered services in PLN. The Bank charges due commissions and fees in accordance with applicable laws in PLN or convertible currencies by converting PLN rates into a foreign currency at buying/selling rates of exchange applicable at Bank BPH. In the case of Customers of other foreign banks, fees may be determined in foreign currencies. 5. Commissions and fees charged are rounded to one grosz on general terms. 6. All bank fees and commissions are to be paid by the originator of the banking service/transaction unless the parties to a particular service/ transaction agreed otherwise. Commissions and fees not paid by the other party within three months will be charged to the originator of a bank transaction. 7. In the case of orders containing omissions or errors, consequences of delays and changes in foreign exchange rates are borne by the Customer. 8. Irrespective of commissions and fees listed in the accompanying Table, commissions and fees, if any, in favour of banks (domestic and foreign) intermediating in the execution of an instruction are also charged in accordance with separate tables or actually incurred costs. 9. Standard form - a standard form of a deposit receipt/transfer order compliant with the Polish Norm No. PN-F established by the Polish Committee for Standardisation. 10. Standard transfer - a domestic payment order placed in the form of a paper document using a standard form, booked in the Customer s account and sent by the Bank for inter-bank clearing on the next business day following the day of placing the order. 11. Urgent transfer - a domestic payment order placed in the form of a paper document, booked in the Holder s account on the same business day and sent by the Bank for inter-bank clearing not later than on the next business day. 12. In the case of granting a loan as part of a syndicate in which Bank BPH is an arranger or participant - all types and rates of fees and commission are determined by negotiations. 13. In the case of granting a foreign exchange loan from re-lent funds - additional fees resulting from other banks costs may arise. 14. The Bank does not purchase or sell, accept deposits into accounts or make withdrawals of a convertible currency in coins nor does it convert convertible currencies in coins into bank notes (and vice versa). 15. The Bank reserves the right to amend the amount of rates of commissions and fees. Such change may occur if at least one of the following conditions is satisfied: a. change to generally applicable laws that may affect the amount of fees and commissions, b. change in the scope or the form of performing a specific activity, c. change in fees and commissions applied by competitive banks, d. change in the price of services used by the Bank at executing individual banking or non-banking activities, e. change in prices of energy, telecommunications and postal tariffs, inter-bank settlements and other factors influencingthe level of Bank s fixed costs, f. change of the consumer price index specified by the Central Statistical Office (GUS), g. change in the foreign exchange rate of the National Bank of Poland (NBP). 16. The table of fees and commission is available in Bank s branches and on the Bank s website at: The Bank charges fees and commission in the amount applicable on the date of executing a particular banking activity, unless the agreement provides otherwise. 3 / 25

4 I. MAINTENANCE OF BANK ACCOUNTS No. Type of activity/service Rate Method of charging a commission/fee Bank accounts in PLN and convertible currencies 1.1 Opening a bank account. 1.2 Bank account maintenance (current account in PLN and convertible currencies, auxiliary account, including consolidated accounts). Note: - In the case of non-interest-bearing accounts, a reduction of the rate to 50% is permitted. - No fees are charged for maintaining term deposit accounts and accounts that must be maintained as a result of the banking accounting system. - No fee is charged for maintaining an auxiliary accounts used for booking funds from SAPARD subsidies for the period starting from a month in which a loan agreement was signed to the month in which a loan extended by the Bank under the SAPARD program was repaid. - No fee is charged for maintaining subsidiary accounts for debit cards. PLN 36 on each account 1.3 Maintenance of consolidated account. Note: Fee in addition to the commission specified in item 1.2 PLN Opening of an Escrow Account. min. PLN 10,000 once 1.5 Amendments to the bank account agreement. Note: Not applicable to amendments to the agreement for reasons attributable to the Bank PLN 20 on each consolidated account on each amendment 1.6 Blocking funds in the bank account upon Customer s instruction PLN 30 on each blockade 1.7 Acceptance of a power of disposal of the bank account as collateral for other bank s claims. 1.8 Statement of bank account: a) collected electronically, if paper statements are not used b) collected electronically if paper statements are simultaneously used c) sent by post: - by ordinary mail - by priority mail d) collected at a Bank s branch Note: No fee is charged for a bank account statement generated once a month or less frequently and sent to the Customer by post. PLN 1 PLN 10 PLN 15 PLN 20 per generated statement charged or collectively once a month 1.9 Copies and confirmations of a bank account statement (including a statement upon request) or a book evidence for a statement/transfer execution/transactions in the account/history in one bank account ordered in a Bank s Branch: a) statement for the period of 3 months b) above 3 months ordered in BPH BusinessLine a) statement for the period of 3 months b) above 3 months Note: - The fee does not apply to statements delivered to the Customer cyclically in accordance with the agreement. downloading a statement from the BusinessNet system a) statement for the period of 12 months b) above 12 months Note: - The fee for statements downloaded from the BusinessNet system for more than 12 months is not charged until 31 December Account administration (applicable to the execution of transfer orders ordered without sufficient funds in the account at specific dates ordered to the bank by the account holder). PLN 20 PLN 40 PLN 10 PLN 20 PLN 7 per one statement/book evidence/transfer confirmation/page of a printout of account transactions/history 1.11 Execution of a standing order. PLN 6 per single order 1.12 Automatic investment of funds (AIF) from the account: a) fixed fee for using the service b) fee for a single AIF transaction PLN 10 on each autoinvestment account on each automatic investment of funds 4 / 25

5 1.13 Fee for withdrawing a two-currency term deposit before the maturity date negotiated individually depending on market conditions as of the date of term deposit withdrawal 1.14 Servicing in the Corporate Customer Service - BPH BusinessLine. 2. Elektronic Banking System - BusinessNet 2.1 System set-up service: a) Unassisted set-up by the Customer with telephone support of BPH BusinessLine b) Set-up service performed by a specialist from the Bank at the Customer s premises - up to the number of users specified in the subscription packane c) Set-up service performed by a specialist from the Bank at the Customer s premises - for each additional user in excess of the number specified in the subscription package 2.2 Subscription for use of the system: a) Light functionality package (minimum version) Preview of balances and statements of current order account and preview of Cash Management Reports, with no possibility to place orders - 3 users in the subscription package b1) Basic functionality package (basic version) The functionality of the Light package and a possibility to place transfer orders - 6 users in the subscription package b2) Information Module presenting financial markets data. TransDebit,TransPrzekaz, TransCash,TransCard, TransPay, TransPłace; Module Trade Finance TransFinancing and TradeNet, support trade finance products; Module support Trust Products; Module Cross-border services supporting product GAITS Active MT1-01. Note: A module servicing a particular product is made available subject to signing a corresponding product agreement. b3) Additional module expanding the functionality of the Basic package - DealingNet Module servicing treasury products (including foreign exchange transactions ) Note: A module servicing a particular product is made available subject to signing a corresponding product agreement. c) Professional functionality package (full version) The functionality of the Basic package, all modules listed in items b2) and b3) and additional advanced system functionalities - allowing a remote servicing of own transactional, trade finance, treasury, trust and cross border products. - 9 users in the subscription packane Note: A module servicing a particular product is made available subject to signing a corresponding product agreement. PLN 350 PLN 30 PLN 200 PLN 300 for set-up in one location for additional user for every additional module montly montly 2.3 Telephone support of BPH BusinessLine. 2.4 Subscription fee for each additional user in excess of the number specified in the package. Note: The Bank may limit the subscription for additional user to PLN Standard service at the Customer s premises: a) Service intervention under warranty at the Customer s premises (due to incorrect system operation) b) Service intervention outside warranty/additional training at the Customer s premises - up to 4 hours c) Each subsequent commenced hour of service/training 2.6 Service for the integration of the electronic banking system with the financial and accounting system: a) Consultations at the Customer s or ERP/FK/HR manufacturer premises up to 4 hours b) Consultations at the Customer s or ERP/FK/HR manufacturer premises for each subsequent commenced hour PLN 30 PLN 400 PLN 75 0 per hour per hour 5 / 25

6 2.7 Fees related to the use of digital signature: a) Use of a qualified certificate Note: The Customer purchases on its own a certificate or a set of a certificate and a reader in a relevant certification authority. b) Use of a digital signature on a compatible smart card. Note: The Customer purchases on its own a card and a reader. c) Use of a key in the bank s repository, confirmed by SMS code d) Use of a key on a local carrier, confirmed by SMS code Note: The Customer purchases on its own a local carrier (e.g. a pendrive) for sending SMS with authorisation code for sending SMS with authorisation code 2.8 Fees related to the usage of digital signature carriers: a) Lending a dedicated digital signature smart card b) Lending USB smart card reader c) Sending cards and readers to the Customer s location - by post d) Sending cards and readers to the Customer s location - by courier e) Fee for a failure to return borrowed signature card/reader 2.9 Alerts: a) Any alert by b) SMS alerts of system events c) SMS alerts of events set up individually by the Customer PLN 80 PLN 80 PLN 25 PLN 35 as per fees for lending card/reader.30 per card per reader per package per package per item per alert per alert per alert 2.10 For sending starting packages outside Poland via courier. as per courier s price list per each package 3. SWIFT MT940 Statements Service - outgoing 3.1 Activation of up to 3 accounts a) for each additional account 3.2 Subscription fee for up to 3 accounts a) for each additional account 3.3 Fee for each MT940 or MT942 statement sent. PLN 10 per each statement sent 4. SWIFT MT940 Statements Service - outgoing 4.1 Activation: a) Up to three accounts of other bank Note: The use of the service is subject to having BusinessNet in the Light package or higher b) For each additional account of other bank 4.2 Subscription fee: a) Up to three accounts of other bank b) For each additional account of other bank 5. GAITS Active service (outgoing RFT MT101 together wwith incoming MT940 Statements service) 5.1 Activation: a) For one bank (SWIFT BIC) and 6 SWIFT accounts Note: To activate the service the BusinessNet system in the Basic package together with the Cross Border Services module or the Professional package is required. b) for each additional bank (identified by a unique SWIFT BIC) c) for each additional account of other bank 5.2 Subscription fee: a) for one bank (SWIFT BIC) and 6 SWIFT accounts b) for each additional bank (identified by a unique SWIFT BIC) c) for each additional account of other bank 5.3 Sending a single SWIFT MT101 instruction outgoing to other bank, containing an instruction to transfer funds from an account in other bank. PLN 200 PLN 200 PLN GAITS Passive service (incoming RFT MT101 together with outgoing MT940 Statements service) per each instruction 6.1 Activation: a) For one bank (SWIFT BIC) and 6 accounts b) for each additional bank (identified by a unique SWIFT BIC) c) for each additional account 6.2 Subscription fee for up to 3 accounts a) for each additional account PLN 200 PLN / 25

7 6.3 Fee for: a) per each MT940 statement sent b) fees for executing incoming instructions implemented with MT101 service 7. TRANS-Płace service 7.1 Activation. Note: - To activate the service, the BusinessNet system in the Basic package together with the Cash Management module or the Professional package is required. - Fees for the service are the same as for the BusinessNet system. 7.2 Subscription fee. Note: - No additional fees are charged for maintaining a payroll account or for account consolidation. - Fees for instructions are the same as for respective transfer types. 8. BankConnect System 8.1 System setup service: a) Unassisted set-up by the Customer with telephone support of HotLine and connection activation b) Set-up service performed by a specialist from the Bank at the Customer s premises and connection activation 8.2 Subscription fee for system usage: a) Silver functionality package Number of queries under the subscription system per month: 80 a1) For each subsequent query above the number specified in the package b) Gold functionality package Number of queries under the subscription system per month: 160 b1) For each subsequent query above the number specified in the package c) Platinum functionality package Number of queries under the subscription system per month: 320 c1) For each subsequent query above the number specified in the package. PLN 10 PLN PLN per each statement sent as per items III/1.2 and IV/1.4 of this table for each instruction type for set-up in one location for each query above the limit for each query above the limit for each query above the limit II. CASH TRANSACTIONS No. Type of activity/service Rate Method of charging a commission/fee Cash deposits 1.1 Cash deposit into accounts in PLN and convertible currencies 0.5% min. PLN 10 on the deposit amount Note: - In the case of cash deposits made to other banks an additional fee is charged for a foreign exchange transfer order or a money order instruction. - Cash deposits in coins in PLN are accepted in accordance with individual agreements signed with the Customer. - Not applicable to PLN deposits to accounts of entities from the Bank BPH Capital Group providing brokerage services. 1.2 Closed cash deposits under TransCash service. 1.3 Mass closed cash deposits to virtual accounts under TransCashID service. 2. Cash withdrawals 2.1 Cash withdrawals from bank accounts maintained in the Bank in PLN, USD and EUR. Note: Not applicable to PLN cash withdrawals from accounts of entities from the Bank BPH Capital Group providing brokerage services - to third parties. 0.2% min. PLN 7 on the withdrawn amount 2.2 Cash withdrawals in convertible currencies, other than USD and EUR. 5% min. on the withdrawn amount 7 / 25

8 2.3 Cash withdrawals from bank accounts in Bank BPH above the amount specified in a notification: a) unnotified cash withdrawals (if their execution is possible) - executed without prior notification of cash demand b) failure to withdraw cash/withdrawal of an amount lower than in the notification of cash demand Note: The above commissions apply to both interest-bearing and non-interestbearing demand accounts - accounts as well as term accounts and they are charged regardless of the commission specified in items 2.1 and ,15% 0,25% on the withdrawn amount on the amount not withdrawn at the agreed date 2.4 Closed cash withdrawals under TransCash service. 3. Automatic cash withdrawals under TransPay service 3.1 Fixed fee (subscription). 3.2 Execution of a cash advance instruction by the beneficiary. 0.25% min. PLN 10 III. DOMESTIC CASHLESS, CHEQUE AND BILL OF EXCHANGE TRANSACTIONS No. Type of activity/service Rate Method of charging a commission/fee Cashless transactions 1.1 Transfer order placed in the form of a paper document: a) executed to accounts of the same Customer maintained in Bank BPH regardless of the amount, b) executed to accounts of other Customers maintained in Bank BPH regardless of the amount, c) outgoing urgent transfers to other bank of less than PLN 1 million, d) outgoing standard transfers to other bank of less than PLN 1 million, e) outgoing to other bank via SORBNET system for amounts of PLN 1 million or above, f) outgoing transfers to other bank via SORBNET system of less than PLN 1 million. 1.2 Transfer order placed via BusinessNet system a) executed to accounts of the same Customer maintained in Bank BPH regardless of the amount, b) executed to accounts of other Customers (in the case of transfers to other bank - of less than PLN 1 million), c) outgoing transfers to other bank of less than PLN 1 million sent via Sorbnet system d) outgoing transfers to other bank of PLN 1 million or above. 1.3 Direct debit: a) for the execution of a single direct debit ordered by the creditor - through the electronic banking system - in the paper form b) for debiting debtor s account with the amount of a single direct debit and transferring funds: - to creditor s account maintained in Bank BPH - to creditor s account maintained in other bank 1.4 Cancellation of a single direct debit or cancellation/modification of authorisation to debit an account. PLN 10 PLN 15 PLN 12 PLN 18 PLN 45 PLN 2 PLN 7 PLN 7 PLN 1.50 PLN 4 PLN 1 PLN 3 PLN 5 per each transfer per each transfer fee debited to creditor s account fee debited to debtor s account 1.5 Manual distribution of a collective paper list. PLN 8 per each item on the list 1.6 Cancellation of orders with a future execution date or pending liquidity: a) through BusinessNet electronic banking system b) through a telephone instruction in BPH BusinessLine, a request placed with the Relationship Manager or at a Bank s branch. c) emergency cancellation of an order not sent for settlement (only through an instruction via Hotline/Relationship Manager/at a branch) 2. Domestic cheques PLN 20 PLN 45 per each cancelled transfer per each cancelled transfer per each cancelled transfer 2.1 Issuance of a chequebook. PLN 1 per 1 cheque form 2.2 Collection of a cheque. 0,75% min. PLN 15 max. PLN 150 on the cheque amount 2.3 Stopping a cheque/cheques. PLN 30 per one cheque 2.4 Cheque confirmation. PLN 15 per one cheque 2.5 Sending cheque forms by registered mail. PLN 15 8 / 25

9 3. Domestic bills of exchange 3.1 Submission of a bill of exchange for collection (from the payee). PLN Notification and submission of a bill of exchange for payment to the bill issuer (from the account holder). 3.3 Collection of a bill of exchange. Note: no fee is charged to other branch of Bank BPH. PLN 30 PLN Submission of a bill of exchange for protest. PLN 295 plus costs incurred, in accordance with the current notarial fee 3.5 Intermediation of a Bank s branch in submitting a bill of exchange for collection. PLN 10 plus costs of a courier IV. FOREIGN EXCHANGE TRANSACTIONS No. Type of activity/service Rate Method of charging a commission/fee Execution of payment orders 1.1 International incoming money transfer order when costs are incurred by the beneficiary(including a transfer of foreign currencies from other domestic banks): a) for Bank BPH Customers Note: In the case of orders not exceeding 0 or the equivalent, the Bank may waive the commission b) for Customers of other banks Note: In the case of orders not exceeding EUR 50 or the equivalent, the Bank may waive the commission PLN % min. PLN 70 max. PLN 280 c) conditional international money transfer order only for the benefit of a Bank BPH Customer d) European credit transfer 1.2 Cash withdrawals related to the execution of international incoming money transfer orders Note: The fee is charged in addition to the fee in item International outgoing money transfer order (including a transfer of foreign currencies to accounts at other domestic banks) executed in a branch: a) standard transfer b) urgent transfer c) express transfer 0.1% min. PLN 150 max. PLN 450 PLN 8 0.2% min. PLN 20 PLN 70 PLN % min. PLN 150 Note: Express transfers can be also executed in PLN, USD, GBP and EUR. 1.4 International outgoing money transfer order (including a transfer of foreign currencies to accounts at other domestic banks) via BusinessNet system: a) standard transfer b) urgent transfer c) express transfer Note: Express transfers can be also executed in PLN, USD, GBP and EUR. d) European credit transfer 1.5 a) Cancellation or a change of an international money transfer (upon a Customer s request), if the transfer has not been executed yet b) Request to cancel or change an international money transfer (upon a Customer s request), if the transfer has been already executed c) Cancellation through the electronic banking system of an international money transfer order placed in the electronic banking system, if the transfer has not been executed yet. PLN % min. PLN 130 PLN 8 PLN 40 PLN 70 + costs of other banks 1.6 Cancellation of an international money transfer by a bank to which it was sent. as for an incoming transfer per each cancelled transfer per each cancelled transfer per each cancelled transfer 9 / 25

10 1.7 Issuance of a copy of a confirmation of an ordered international money transfer execution upon a Customer s request ordered in a Bank s Branch: a) within up to 3 months from the transfer execution date a) above 3 months up to 12 months from the transfer execution date c) above one year from the transfer execution date PLN 15 PLN 30 ordered in BPH BusinessLine: a) within up to 3 months from the transfer execution date a) above 3 months up to 12 months from the transfer execution date c) above one year form the transfer execution date PLN 5 PLN 20 PLN Return of an incoming international money transfer - upon a beneficiary request. as for an outgoing transfer 1.9 Investigation procedure (complaint) upon a Customer s request regarding the execution of an international money transfer: a) ordered in a Bank s Branch b) ordered in BPH BusinessLine Note: The fee is not charged if Bank BPH s errors are identified Search for an international money transfer upon a Customer s instruction: a) ordered in a Bank s Branch b) ordered in BPH BusinessLine 1.11 Execution of an instruction to deliver a copy of a money transfer execution confirmation (upon a Customer s written request): a) ordered in a Bank s Branch b) ordered in BPH BusinessLine PLN 70 + costs of other banks + costs of other banks PLN 70 + costs of other banks + costs of other banks PLN 35 PLN An additional fee for a transfer that does not meet the requirements for automatic processing. 2. Execution of cheque transactions PLN a) Purchase of cheques for the amount above PLN 30 or equivalent Note: not applicable to cheques issued by Bank BPH. b) Conditional purchase 1.5% min. PLN 20 max. 0 + costs of foreign banks charged on paid traveller s cheques 1.5% min. 2.2 Collection of cheques. 1% min. PLN 20 max Return of unpaid cheque. PLN 25 + costs of other banks 2.4 Verification of a cheque cover in a drawer s bank - upon a Customer s request. PLN Sale of a banker s cheque. Note: no additional fees (postage) related to sending a cheque are charged. 0.5% min. PLN 40 max. PLN Purchase of returned not encashed cheques. PLN 25 V. PAYMENT CARDS No. Type of activity/service Rate Method of charging a commission/fee Visa Business card 1.1 Fee for card usage. PLN 150 annual 1.2 Commission on cashless transactions. 1.1% on the transaction 1.3 Commission on cash transactions. 4% min. PLN 5 on the transaction 1.4 Stop listing a card: a) if the card was used contrary to the terms and conditions b) if the card was lost or stolen 1.5 Issuance of a card as a replacement of a stop-listed card. PLN Issuance of a duplicate card. PLN / 25

11 1.7 Emergency cash withdrawal. in accordance with actual costs, not less than the equivalent of USD Issuance of a temporary card abroad. in accordance with actual costs, not less than the equivalent of USD Fee for a delayed repayment of debt for deferred charge cards. in the case of delayed debt repayment 1.10 Fee for express card issuance. PLN Fee for currency conversion of foreign transaction. 2% on the transaction 2. MasterCard Corporate card 2.1 Fee for card usage. PLN 150 annually 2.2 Commission on cashless transactions. 1,1% on the transaction 2.3 Commission on cash transactions. 4% min. PLN 5 on the transaction 2.4 Stop listing a card: a) if the card was used contrary to the terms and conditions b) if the card was lost or stolen 2.5 Issuance of a card as a replacement of a stop-listed card. PLN Issuance of a duplicate card. PLN Emergency cash withdrawal. in accordance with actual costs, not less than the equivalent of USD Issuance of a temporary card abroad. in accordance with actual costs, not less than the equivalent of USD Fee for a delayed repayment of debt for deferred charge cards. in the case of delayed debt repayment 2.10 Fee for express card issuance. PLN VISA Business Gold card 3.1 Fee for card usage. PLN 250 annually 3.2 Commission on cashless transactions. 1,1% on the transaction 3.3 Commission on cash transactions. 4% min. PLN 5 on the transaction 3.4 Stop listing a card: a) if the card was used contrary to the terms and conditions b) if the card was lost or stolen 3.5 Issuance of a card as a replacement of a stop-listed card. PLN Issuance of a duplicate card. PLN Emergency cash withdrawal abroad. in accordance with actual costs, not less than the equivalent of USD Issuance of a temporary card abroad. in accordance with actual costs, not less than the equivalent of USD Fee for a delayed repayment of debt for deferred charge cards. in the case of delayed debt repayment 3.10 Fee for express card issuance. PLN / 25

12 3.11 Fee for currency conversion of foreign transaction. 2% on the transaction 4. VISA Business Electron card 4.1 Fee for card usage. PLN 30 annually 4.2 Commission on cashless transactions. no commission 4.3 Commission on cash withdrawals at ATMs and cash desks of domestic banks. 1% min. PLN 5 on the transaction 4.4 Commission on cash withdrawals at ATMs and cash desks of foreign banks. 4% min. PLN 5 on the transaction 4.5 Commission on cash withdrawals at Bank BPH ATMs and ATMs designated with the Euronet logo. PLN Commission on cash withdrawals at cash desks of Bank BPH. 1% min. PLN 5 on the transaction 4.7 Stop listing a card: a) if the card was used contrary to the terms and conditions b) if the card was lost or stolen 4.8 Issuance of a card as a replacement of a stop-listed card. PLN Issuance of a duplicate card. PLN Emergency cash withdrawal abroad. in accordance with actual costs, not less than the equivalent of USD Fee for currency conversion of foreign transaction. 2% on the transaction 5. Corporate Maestro Business card 5.1 Fee for card usage. PLN 30 annually 5.2 Commission on cashless transactions. no commission 5.3 Commission on cash withdrawals at ATMs and cash desks of domestic banks. 1% min. PLN 5 on the transaction 5.4 Commission on cash withdrawals at ATMs and cash desks of foreign banks. 4% min. PLN 5 on the transaction 5.5 Commission on cash withdrawals at Bank BPH ATMs and ATMs designated with the Euronet logo. PLN Commission on cash withdrawals at cash desks of Bank BPH. 1% min. PLN 5 on the transaction 5.7 Stop listing a card: a) if the card was used contrary to the terms and conditions b) if the card was lost or stolen 5.8 Issuance of a card as a replacement of a stop-listed card. PLN Issuance of a duplicate card. PLN Emergency cash withdrawal abroad. in accordance with actual costs, not less than the equivalent of USD MasterCard Corporate Executive card 6.1 Fee for card usage. PLN 250 annually 6.2 Commission on cashless transactions. 1,1% on the transaction 6.3 Commission on cash transactions. 4% min. PLN 5 on the transaction 6.4 Stop listing a card: a) if the card was used contrary to the terms and conditions b) if the card was lost or stolen 6.5 Issuance of a card as a replacement of a stop-listed card. PLN Issuance of a duplicate card. PLN / 25

13 6.7 Emergency cash withdrawal. in accordance with actual costs, not less than the equivalent of USD Issuance of a temporary card abroad. in accordance with actual costs, not less than the equivalent of USD Fee for a delayed repayment of debt for deferred charge cards. in the case of delayed debt repayment 6.10 Fee for express card issuance. PLN 200 VI. TRADE SERVICE AND FINANCE No. Type of activity/ service Rate Method of charging a commission/fee Documentary and financial collection 1.1 Acceptance of export/seller s collection instruction: a) in a paper form or b) electronically via TradeNet 1.2 Export/seller s collection - forwarding documents for collection. 0.1% min. PLN 200 max Execution of export/seller s collection proceeds. PLN 70 for each encashment 1.4 Transfer of a part of collected amount to a third party, e.g.: an agent. per each transfer 1.5 Advising of import/buyer s collection incoming: a) in a paper form or b) electronically via TradeNet PLN Acceptance of a bill of exchange under financial collection. 0.05% min. PLN 90 max. PLN Release of documents without payment or return of unpaid documents to the payee. PLN Release of documents against payment. 0.1% min. PLN 200 max Release of documents against acceptance of bill of exchange, against promissory notes, or commitment to payment Execution of a partial payment of import/buyer s collection without releasing documents/bills of exchange. 0.15% min. PLN 250 max. PLN 650 PLN Endorsement or assignment of documents addressed to the Bank. PLN Protesting a draft. PLN 300 plus costs incurred 1.13 Forwarding a copy of executed collection payment directly to the payee. PLN 35 per each forward 1.14 Amendment to collection instruction or cancellation of export/seller s collection. PLN 70 per each amendment 1.15 Verification of the promptness of payment under export/seller s or import/buyer s collection. 2. Documentary letter of credit PLN Pre-advice of the opening of an import letter of credit. on a one-off basis at the verification of the promptness of payment 2.2 Acceptance of an instruction to open a letter of credit: a) in a paper form or b) electronically via TradeNet PLN / 25

14 2.3 Opening of an import letter of credit. 0.2% min. PLN 300 on a one-off basis for each commenced quarter, on the amount of a letter of credit with some tolerance 2.4 Advising an export letter of credit to the beneficiary: a) in a paper form or b) electronically via TradeNet PLN 200 PLN Addition of a confirmation by the Bank to an export letter of credit. from 0.15% min Amendment to letter of credit conditions: a) increase in or extension of the expiry date of an export letter of credit confirmed by the Bank b) increase in or extension of the expiry date of an import letter of credit c) other amendment to import or export letter of credit Note: In the case of simultaneous amendments to letter of credit conditions only one, higher fee is charged. 2.7 Taking up documents against payment or bill of exchange acceptance under an import letter of credit. from 0.15% min % min. PLN 300 PLN % min. PLN 300 on the amount of documents/bill of exchange 2.8 Negotiating documents under an export letter of credit. from 0.15% min Taking up documents or bill of exchange acceptance under export letter of credit confirmed by the Bank or presentation of documents which do not comply with letter of credit terms under export letter of credit confirmed by the Bank or payment under an export letter of credit unconfirmed by the Bank. PLN 300 on a one-off basis for each commenced quarter, on the amount of a letter of credit with some tolerance depending on the country risk group at each amendment, for each commenced quarter, on the increase amount/amount of a letter of credit with some tolerance depending on the country risk group at each amendment, for each commenced quarter on the increase amount/amount of a letter of credit with some tolerance per each amendment at taking up documents or bill of exchange acceptance at negotiations, on the amount of documents depending on the country risk group per each payment 2.10 Transfer of export letter of credit on a secondary Beneficiary. 0.2% min. 0 on a one-off basis for each commenced quarter, on the amount of a letter of credit with some tolerance 2.11 Deferment of payment: a) for import letter of credit b) for export letter of credit confirmed by the Bank c) for export letter of credit unconfirmed by the Bank 2.12 Presentation of documents with reservations in an import letter of credit (from the beneficiary of the letter of credit): a) domestic letter of credit b) foreign letter of credit 2.13 Cancellation of a wholly unutilised import/export letter of credit or closing transaction with unutilised letter of credit balance. 0.07% min. PLN 150 from 0.05% min. PLN 150 PLN 200 PLN 250 equivalent of EUR 80 on each deferment of payment, on the payment amount for each commenced month on each deferment of payment, on the payment amount for each commenced month depending on the country risk group per each deferment of payment on each presentation of documents with reservation 14 / 25

15 2.14 Endorsement or assignment or of rights arising from documents addressed to the Bank. PLN Payment under a confirmed export letter of credit with a reservation /recourse/. from 0.2% min. PLN Negotiating with other banks terms of confirming an import letter of credit by that bank Sending a confirmation of opening/amending conditions of an import letter of credit directly to the letter of credit beneficiary. 0 PLN 35 on each payment, on the amount of documents depending on the country risk group at each sending 2.18 Removing defects in the order to open an import letter of credit. PLN Express opening an import letter of credit upon Customer s request (within 24 hours from accepting a defect-free order). PLN 300 additional fee 2.20 Other activities related to letter of credit processing. commission agreed on a case-by-case basis 3. Discount products 3.1 TransFinancing (financing of debt claims in the domestic or foreign trading): a) for granting, increasing or extending the purchase limit b) on debt claims purchased c) on unutilised financing limit Note: Unutilised limit is a difference between the limit and the sum of the face of debt claims purchased during the financing period. d) other activities related to an amendment to the agreement, except for activities specified in item 3.2 from 1 % min. + 23% VAT from 0.3 % min. PLN % VAT 0.4% + 23% VAT min. PLN % VAT max % VAT on a one-off basis on the amount of limit granted/change amount on the face amount of a debt claim paid (100% of the gross invoice ) on the unutilised limit, single charge as of the end of the limit term on each invoice batch sent to the factorer 3.2 Bill discounting as part of an ad hoc transaction. min. 1% min. on a one-off basis on the bill amount 3.3 Discount loan: a) for granting, increasing or extending the limit b) for bill discounting under the limit c) on unutilised discounting limit Note: Unutilised limit is a difference between the limit and the sum of the face of bills purchased. d) reduction of the discounting limit or termination of a discounting agreement upon Customer s request e) other activities related to an amendment to the agreement, except for items a) and d) 3.4 Forfaiting: a) Arrangement fee b) Opening a forfaiting line c) Unutilised line balance d) Commission on debt claims purchased under the line e) For a financial assessment of the debtor from 1% min. 0 from 0.3 % min. 0,4 % 1% min. PLN 200 max. 0 min. PLN 250 max. 0 from 1% min. 0 from 0.4% min. 0 from 0.3% min. PLN 30 min. PLN 200 max. 0 on a one-off basis on the amount of limit granted/change amount on the bill amount on the unutilised limit, single charge as of the end of the limit term on the reduction amount/on the agreement terminated at the commencement of the transaction on a one-off basis on the amount of the allocated line on the unutilised balance, single charge as of the end of the limit term on debt claim paid for assessing each debtor 15 / 25

16 4. Risk acceptance 4.1 Taking over the risk: a) Silent confirmation b) Syndication c) Arrangement fee d) Opening a non-financial forfaiting line e) Unutilised line from 0.3 % min. 0 commission agreed on a case-by-case basis min. PLN 250 max. 0 from 1% min. 0 from 0.2% min. 0 after adding the confirmation, on the letter of credit amount for each commenced quarter of the letter of credit validity at the commencement of the transaction on a one-off basis on the amount of the allocated line on the unutilised balance, single charge as of the end of the limit term VII. LOANS No. Type of activity/service Rate Method of charging a commission/fee Loans 1.1 Arrangement fee on the loan granted. Note: - In the case of granting a loan in the form of a line (credit line, multi-purpose line, multi-purpose multi-currency line) the commission is charged on the amount of the limit granted minus the transactional limit, however no arrangement fees are charged on each type of a utilisation of that line (with the exception of guarantees and letters of credit to which commissions stipulated in this Table apply). - The commission is charged on the date funds are disbursed to the borrower, after the borrower satisfied disbursement conditions specified in a loan agreement or not later than on the 30th day after the conclusion of the agreement, whichever is earlier. 1.2 Commission on unused loan: a) on overdraft facility and a revolving working capital loan, b) on a credit line, multi-purpose line, multi-purpose multi-currency line. Note: In the case of loans in the form of a line the commission is calculated and charged on the entire unused line limit, however no commission is charged on unused individual forms of financing disbursed under the line limit allocated. 1.3 Commission on unused portion of the loan. Note: The commission is charged on non-revolving loans (non-revolving working capital loan, investment loan). No commission on unused portion of the loan is charged in the case of non-revolving loans functioning under credit lines. min. 1% min. PLN 300 min. 0.2% per month min. 1.2% per annum 5% per annum min. PLN 30 once on the amount of the loan/credit limit granted on the unused amount being a difference between the amount of the loan granted and the average usage, payable on the last day of each calendar month commission is charged daily on the unused amount being a difference between the amount of the loan granted and the daily usage, payable on the last day of each calendar month commission is charged on the unused amount, starting from the 3rd business day from disbursement of funds until the day preceding full utilisation inclusive, payable as of the end of the next interest period 16 / 25

17 1.4 Commission for early repayment of the entire or a portion of the loan prior to contractual date: - up to 7 days before a scheduled repayment date - between 8 to 30 days before a scheduled repayment date - more than 30 days before a scheduled repayment date Note: - The commission is also charged if the loan amount is reduced or the loan agreement is terminated by the borrower before the agreed contractual date. - No commission is charged in the case of an early repayment of loans extended with the contribution of the European Union aid measures, e.g. SAPARD, ISPA, structural funds etc.). - In the case of loans granted using individual quotation of Fund Transfer Rates with the use of FTR Calculator (in accordance with separate regulations), the amount of costs of the loan early repayment is determined with the use of the FTR Calculator, however this amount may not be lower than appropriate rates specified as fixed amounts for the commission on early repayment. 1.5 Amendment of conditions of an agreement upon a borrower s request: a) in respect of increasing the loan/limit amount or extension of the date Note: - If an amendment concerns a reduction of the loan amount, only the commission for an early repayment is charged and not additional commission for amending the agreement is charged. - In the case of extensions of the repayment date for up to 30 days due to a lack of appropriate credit decision, the commission for extending the repayment date may be charged at 1/12 of the standard rate. After making a credit decision, the cost of that commission may be recognised against the total commission for extending the term of the loan. b) in respect of changing the currency of the loan/limit (redenomination) Note: - The basis for calculating the commission is the amount of actual debt together with the loan amount to be still used. In the case of loans in the form of revolving credit lines, the commission is charged on the amount of the loan granted. - No commission is charged if the currency is changed after the loan renewal date. c) other changes, e.g. change of the loan collateral, change of the agreed repayment schedule etc. 1.6 Issuance of a promise of a loan. min. 0.2% min. 0.5% min. 1% min. 1% min. 1% min. max. PLN 1,000 charged on a one-off basis on the amount of early repayment/reduction of the loan; payable no later than on the date of repayment/reduction of the loan amount on the amount subject to the amendment on redenominated amount min. 0.1% min. PLN 150 Note: A commission for issuing a promise to grant a loan as part of loans extended with the contribution of the European Union aid measures (e.g. SAPART, ISPA, structural funds etc.) is recognised against the arrangement fee on that loan. VIII. GUARANTEES, COUNTER GUARANTEES, BILL SURETIES, SURETIES No. Type of activity/service Rate Method of charging a commission/fee NOSTRO guarantees, counter guarantees, bill sureties and sureties issued upon Customers request 1.1 Granting a NOSTRO guarantee (including a counter guarantee), a surety or bill surety (arrangement fee). 1.2 Servicing a NOSTRO guarantee (including a counter guarantee), a surety or bill surety. 0,6 % - 2% min. PLN Change of conditions of a NOSTRO guarantee (including a counter guarantee), surety or a bill surety: a) extension of the validity and/or increase of the amount - arrangement fee - processing the change b) other change in guarantee conditions, including also an extension of its validity, if the extension falls within the period for which the commission was charged Note: In the case of simultaneous changes of conditions only one higher commission is charged. 0.2% min. PLN 200 on a one-off basis on the amount of bank s liability 0.2% min. PLN % - 2% min. PLN 200 PLN Negotiating the content of a guarantee with other bank upon Customer s instruction. min. PLN 300 quarterly for each commenced threemonth period on the amount of a bank s liability on a one-off basis on the balance of bank s liability or the increase amount quarterly - for each commenced threemonth period on the balance of bank s liability or on the increase amount 17 / 25

18 1.5 Payment under a NOSTRO guarantee, surety, bill surety: a) if the Customer pays its liability to the Bank in respect of the payment made under a NOSTRO guarantee within 7 days b) if the Customer does not pay its liabilities to the Bank in respect of the payment made under a NOSTRO guarantee within 7 days PLN 150 From 0.15 % min. PLN Rejection of a payment claim under a NOSTRO guarantee, surety, bill surety. PLN Issuance of a promise to grant a NOSTRO guarantee, bill surety, surety. PLN Bank guarantee line: a) commission on the bank guarantee line allocated b) commission for amending conditions of the agreement (i.e. extension of the term, increase of the amount) c) other changes d) granting a guarantee under bank guarantee lines (arrangement fee) from 0.5% min. PLN % min. PLN 150 min. PLN 150 depending on the risk/type of collaterals on a one-off basis on the line amount, depending on the Customer risk/type of collateral on a one-off basis on the balance of bank s liability/type of collateral Note: Other fees and commission on guarantees granted under the line are charged as in the case of other guarantees. 1.9 Annulment of a NOSTRO guarantee or of an instruction to grant a NOSTRO guarantee. PLN Commission for granting a guarantee for a purchase of short-term securities. min. 0.3% per annum 2. LORO guarantees and own guarantees, confirmations, bill sureties and sureties issue upon other banks instruction 2.1 Advising the beneficiary of a LORO guarantee, surety, bill surety or its/their change as well as a registration of a LORO guarantee or an amendment to a LORO guarantee placed by the beneficiary: a) if bank costs are incurred by the beneficiary a) if bank costs are incurred by the principal PLN 200 PLN 300 Note: Not applicable to guarantees whose beneficiary is a Bank s organisational unit. 2.2 Deleting from records an unused or partially unused LORO guarantee. 2.3 Granting a guarantee, confirmation, surety or bill surety upon other bank s instruction under its counter guarantee (arrangement fee). PLN Servicing own guarantee, confirmation, surety or bill surety upon other bank s instruction under its counter guarantee. 2.5 Amendment of own guarantee, confirmation, surety, bill surety issued upon other bank s instruction: a) extension of the validity/increase of the amount of the guarantee b) other change in guarantee conditions, including also an extension of its validity, if the extension falls within the period for which the commission was charged Note: In the case of simultaneous changes of the guarantee conditions only one higher commission is charged. from 0.5% depending on the country risk group min. PLN 330 from 0.5% min. PLN 330 PLN Opining conditions of a LORO guarantee upon Customer s written request. min. PLN Sending/servicing a claim for payment under a LORO guarantee. 0.2% min. PLN 200 max Payment under a LORO guarantee. PLN 150 for each commenced three-month period on the amount of a bank s liability Commission charged on a one-off basis in advance for the entire guarantee validity for each commenced three-month period on the balance of bank s liability or on the increase amount commission charged on a one-off basis in advance for the entire guarantee validity 18 / 25

19 IX. SECURITIES ACCOUNT AND TRUST SERVICES No. Type of activity/service Rate Method of charging a commission/fee Maintenance of a securities accounts - residents and non-residents 1.1 Opening a securities account. 1.2 Maintenance of a securities account. PLN Blocking securities on a securities account. PLN Crediting or debiting a securities account in respect of a settlement of a purchase/sale transaction or a transfer of securities booked on the securities account a) Shares - Transactions executed via a brokerage house Note: the fee excludes a broker s commission. - Transfer of securities b) State Treasury bonds - Transactions executed via a brokerage house Note: the fee excludes a broker s commission. - Transactions executed with the Bank on the inter-bank market - Transactions executed on the inter-bank market via other bank - Transactions executed on the primary market - Transfer of securities PLN 30 PLN PLN 30 on the transaction face c) Treasury Bills - Transactions executed with the Bank on the inter-bank market - Transactions executed on the inter-bank market via other bank - Transactions executed on the primary market - Transfer of securities d) Commercial Papers for which Bank BPH acts as an issuer s agent - Transactions executed with the Bank on the inter-bank market - Transactions executed on the inter-bank market via other bank e) Other securities 1.5 Cancellation of an order to settle a purchase/sale transaction or a transfer of securities booked on the securities account. 1.6 Reports: a) Standard set of reports b) Additional reports sent by registered mail c) Additional reports sent by fax d) Additional reports sent by SWIFT PLN % min. PLN 20 PLN 30 PLN 30 PLN 10 PLN 20 PLN 10 PLN Issuance of an opinion for a statutory auditor. PLN Other. on the transaction face per item per item per item 2. Provision of trust services* - residents and non-residents 2.1 Opening a securities account. 2.2 Maintenance of a securities account. 2.3 Blocking securities on a securities account. PLN Crediting or debiting a securities trading account in respect of a settlement of a purchase/sale* transaction or a transfer of securities booked on the securities trading account: a) Shares b) State Treasury bonds c) Treasury Bills d) Other securities 19 / 25

20 2.5 Custody of securities: a) Shares b) Treasury bonds c) Treasury Bills d) Other securities Note: A fee for a custody of securities is determined on a basis on the basis of the portfolio balance as at the end of a month for: - Equity securities in accordance with the following formula: market as of the last day of a month x commission /12 - Treasury bonds at the market in accordance with the following formula: market as of the last day of a month x commission /12 - Other debt securities in accordance with the following formula: face x commission /12 - Debt securities denominated in foreign currencies in accordance with the following formula: face x average NBP rate as of the last day of a month x commission /12 The minimum fee for a custody of securities is charged if the fee calculated on the basis of the balance of the securities portfolio recorded in all Customer s securities accounts as of the end of the month is lower than the minimum fee, which means that at the zero balance of accounts in a particular month, it will be also charged. 2.6 Reports: a) Standard set of reports agreed with the Customer b) Additional reports sent by registered mail c) Additional reports sent by fax d) Additional reports sent by SWIFT 2.7 Performing the function of a custodian: Fee for keeping the register of assets calculated on the basis of the Customer s net asset. Fee for verifying the correctness of calculating the net asset and the of a settlement/participation unit PLN 20 PLN Issuance of an opinion for a statutory auditor. PLN Representing the Customer at a general meeting of shareholders. PLN equivalent of EUR Other. NOTE: The fees and commissions specified in the Bank BPH Table are applied by debiting the Customer s account at a date agreed with the Customer. The manner and frequency of charging the commissions and fees may be determined on an individual basis. If the agreement does not provide otherwise, the fees specified in the Bank BPH Table are subject to deposit and transaction charges incurred by Bank BPH in respect of a custody and settlement of Customer s securities in Institutions other than Bank BPH (e.g. Krajowy Depozyt Papierów Wartościowych S.A. - National Depository for Securities), at dates and amounts consistent with tables of fees of such Institutions as well as other external fees incurred by Bank BPH as a result of executing Customer s orders. The Bank may waive a commission on a credit or debit on a securities account arising from a settlement of securities purchase/sale transactions executed with the Bank. * Applicable to services provided to Customers serviced directly by the Trust Department. X. OTHER ACTIVITIES No. Type of activity/service Rate Method of charging a commission/fee Commission for a purchase and sale of foreign currencies. Note: The commission applies to cash transactions. The Bank does not deal in coins in foreign currencies. 1.2 For the performance of an enforcement order and of a document of the same force. Note: The fee is debited to debtor s account, irrespective of fees for a transfer of funds to other bank. 0,2-2% on the amount purchased or sold 0.5% min. PLN 25 max. PLN Acceptance and storage of objects and documents in a Bank s deposit. min. PLN 30 on the amount transferred to the enforcement body 1.4 Deposit for a key to a case or a safe-deposit box. 1.5 Renting cases or safe-deposit boxes. min. PLN Wallet for the night safe, key to the night safe doors, coin bag. min. 1.7 Confirmations/certificates (excluding item 1.9 Maintenance of Bank Accounts): 20 / 25