D E C I S I O N. Of tariff fees for services rendered by FINDOMESTIC BANKA AD BEOGRAD for Physical persons

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1 FINDOMESTIC BANKA A.D BEOGRAD BOARD OF DIRECTORS Decision No.: 42/13 According to the article 19.of the Articles of Association of Findomestic Banka AD Beograd, the Board of Directors of the Bank, at its session held on 12/06/2013, brings the following: D E C I S I O N Of tariff fees for services rendered by FINDOMESTIC BANKA AD BEOGRAD for Physical persons 1. This Decision determines the height of fees, as well as the principles based on which the fees for banking services rendered by FINDOMESTIC BANKA AD BEOGRAD (hereinafter referred to as: the Bank) are calculated and charged for operations with Physical persons. 2. Executive Board of the Bank is authorized to change the height and amount of the fees defined by this Decision and suggest and introduce new products or extinguish the existing one. Executive Board of the Bank is obliged to notify the Bank's Board of Directors on all changes, on a quarterly basis. 3. Executive Board of the Bank is authorized, upon proposition of the competent divisions or Branch managers, to determine the height of fees, to release from payment of fees, i.e. determine the reduction of fees for certain and/or group of clients, if it is assessed as Bank's interest, and the authority of this paragraph can be transmitted to the Commission which will be formed for this purpose. The Executive Board and the Commission are obliged to inform the Board of Directors, of any decisions taken based on Article 3 of this Decision, on a quarterly basis. 4. SPREADSHEET: FINDOMESTIC BANKA AD BEOGRAD, deo BNP Paribas grupe Bulevar Mihaila Pupina 115 A, Novi Beograd Info centar matični broj PIB PDV šifra delatnosti 6419 registrovana kod Agencije za privredne registre Beograd broj registracije BD 9369/05 račun broj: kod NBS telex: NOVA SWIFT: FIDMRSBG

2 No. of Tariff fees Type of service Fee amount and calculation method A I RETAIL OPERATIONS DINAR CURRENT ACCOUNTS MAINTENANCE 1. Opening Bez naknade 2. Dinar current account maintenance 150,00 monthly* 3. Dinar current account maintenance for package + SMS 250,00 monthly* 4. Dinar current account maintenance for package + NET 250,00 monthly* 5. Dinar current account maintenance for package + PLUS 300,00 monthly* 6. Dinar current account maintenance for pensioners of R.Srpska 7. Maintenance of all Superpayroll accounts * Fee is charged only for the accounts that had turnover in previous month (turnover excludes Bank transactions) II STATEMENT AND CHEQUES ISSUING 1. Current account statement issuing, once per month 2. Emergency statement issuing upon Clients request 300,00 3. Cheques issuing 20,00 per cheque III DINAR CURRENT ACCOUNT 1. Cash transactions 1.1. Payment on current account 1.2. Withdraw from dinar current account 1.3. Cash payments by natural persons: Cash payments by natural persons in favour of corporate clients with the Bank Cash payments by natural persons in favour of corporate and natural clients with other bank Cash payments by natural persons in favour of corporate and natural clients with other bank - urgent payment orders 2. Money transfer 0,60% (min 60,00 max 5.000,00 ) 0,60% (min 140,00 max 6.000,00 ) 2.1. Internal money transfer 2.2. External money transfer Money transfer by natural persons in favour of corporate and natural clients with other bank - Kliring Money transfer by natural persons in favour of corporate and natural clients with other bank - urgent payment orders -RTGS 0,60% (min 50,00 max 5.000,00 ) 0,50% (min 140, max 6.000,00 ) 3. Blocking the account according to the Court order 500,00 4. Closing of the account IV DINAR SAVING ACCOUNTS 1. Opening 2. Issuing and replacement of saving book FINDOMESTIC BANKA AD BEOGRAD, deo BNP Paribas grupe Bulevar Mihaila Pupina 115 A, Novi Beograd Info centar matični broj PIB PDV šifra delatnosti 6419 registrovana kod Agencije za privredne registre Beograd broj registracije BD 9369/05 račun broj: kod NBS telex: NOVA SWIFT: FIDMRSBG

3 3. Dinar savings account maintenance 4. Dinar fixed-term deposits account maintenance 5. Payment to savings accounts of natural persons in Findomestic Bank 6. Withdrawals from savings accounts of individuals in V Findomestic Bank FOREIGN CURRENCY ACCOUNTS 1. Opening 2. Maintenance of foreign currency a vista saving 3. Maintenance of saving deposits 4. Cash transactions 4.1. Payment on the account 4.2. Cash withdrawal from the account 4.3. Conversion in foreign currency upon clients request 1,00% 5. Money transfer 5.1. Internal transfer from personal to personal account within the Bank (in accordance with Law) 5.2. Nostro payments 0,80% (min ,00 - max ,00 ) 5.3. Nostro payments for Super payroll clients 5.4. Foreign currency payments within the country (transfer to the other bank in the country) 5.5. Transfer from foreign account to dinar account of the Client in the Bank 0,80% (min ,00 - max ,00 ) 5.6. Nostro payments - clearing 1000, Foreign currency payments by transferring to the other bank in the count (the purpose is a donation) 5.8. Loro payments from the other bank in the country (the purpose is a donation) 6. Loro (payments from abroad on the citizens foreign accounts) 6.1. Loro when the costs were not paid by the sender 6.2. Loro - pensions 7. Exchange transactions 0,40% (min. 300,00 - max ,00 ) 0,4% + fee of bank adiministrator 7.1. Purchase effective (cash) 7.2. Selling effective (cash) 8. Foreign currency cheques 8.1. EUR cheques Purchase of cheques 2,40% (min ,00 ) Incasso of cheques 1,20% (min. 800,00 ) + real costs 8.2. USD cheques Purchase of cheques 2,40% (min ,00 ) 3

4 Incasso of cheques VI REAL ESTATE TRANSACTIONS 1. Transfer from sellers to buyers accounts 1.1. Transfer per one contract within the Bank 1.2. Transfer per one contract transfer on the account in another Bank in the country VII E-BANKING SERVICE RETAIL 1,20% (min. 800,00 ) + real costs Transfer from sellers to buyers accounts Transfer per one contract within the Bank Transfer per one contract transfer on the account in another Bank in the country 1. Monthly fee for usage OTP service * 2. Executing the transactions using OTP servis 2.1. Non cash transactions internal payment system 2.2. Non cash transactions external payment system 2.3. Non cash transactions external payment system for Super Payroll clients 0,25% (min. 15,00 - max ,00 ) 3. Exchange transactions * Monthly fee is included in maintaining a certain current account, which includes this service. VIII SMS SERVIS 1. Sending sms upon clients request checking accounts balance (excluding fee of mobile provider)* 2. Sending sms information about money transactions - Supercard MasterCard 3. Sending sms informations about money transactions effectied by VISA card, current account inflow and realization of checks ** *For all clients, users dinar account accounts, which are registered as users of that service before 01/29/2014 year. After the specified date, this type of service, customers who use the dinar current account is only available within the respective current account package. ** Monthly fee is included in maintaining a certain current account, which includes this service. IX CREDIT OPERATIONS 1. Loan approval fee Loan approval fee 2. Early loan repayment fee Loans approved until and as on and loans approved after with fixed 2.1. interest rate and housing loans with fixed and variable interest rate Loans with early repayment amount below or equal to ,00 Loans with early repayment amount above ,00 : Loans where the period between early repayment and contracted loan maturity is longer than one (1) year 1% of early repayment of the principal debt, but not higher than the interest calculated for the period between early repayment and loan maturity 4

5 Loans where the period between early repayment and contracted loan maturity is shorter or equal to one (1) year 2.2. Loans approved after , until and as on : Loans without revalorization DS loans approved after , until and as on Loans without revalorization POS loans approved after , until and as on Loans indexed in EUR DS loans approved after , until and as on Loans indexed in EUR POS loans approved after , until and as on ,5% of early repayment of the principal debt, but not higher than the interest calculated for the period between early repayment and loan maturity 2% of early repayment of the principal debt and minimum 1.500,00 2% of early repayment of the principal debt and minimum 500,00 2% of early repayment of the principal debt and minimum 15,00 EUR in dinar countervalue at middle rate of the NBS as of the payment day 2% of early repayment of the principal debt and minimum 5,00 EUR in dinar countervalue at middle rate of the NBS as of the payment day Note: In case of partial early repayment of the loan, minimum amount of the early repayment is equal to the triple amount of monthly liability of the client (monthly annuity with allbelonging costs). 3. Getting Credit bureau report According to the tariffs of SBA unless differently predicted by the decision of credit product X PAYMENT CARDS TRANSATIONS VISA Clasic program Standard Super Payroll 1. Membership fee 1.1. Basic card (within current account) 1.2. Additional card 70,00 monthly 2. Costs and charges 2.1. Regular card issuance 2.2. Urgency card issuance 1.500, Plastic change on client request 500, Urgency plastic change 1.500, Change of lost / stolen card / PIN 500, Obtain a copy of the receipt to customer of VISA card 500, Unfounded claim 1.000,00 5

6 2.8. Blockade of lost, stolen or misused VISA card 300, Blocked card by merchant , Misused VISA card by the user after registering the loss / theft 800,00 + transaction amount Balance inquiry on FDB ATMs Balance inquiry on other bank ATMs 50, Lost/stolen/misused card reporting to VISA bulletin VISA fee 3. Charges 3.1. Domestic transactions Payments of goods and services Cash withdrawals from ATMs of FDB Cash withdrawals from ATMs of other bank 1,5% (min 150,00 ) Cash withdrawals in other bank counter 2% (min 200,00 ) 3.2. International transactions Cash withdrawals from ATMs 2% (min 3 EUR) Cash withdrawals in other bank counter 3% (min 3,5 EUR) Commision for international usage for EURO zone Commision for international usage for other zone 1% 4. Limits Number of transactions Amount 4.1. Daily limit for cash withdrawals , Weekly limit for cash withdrawals , Daily limit for purchase , Weekly limit for purchase ,00 20 MasterCard program - Standard Supercard 1. Membership fee for basic card 1.1. Standard 200,00 monthly* 1.2. Standard I (Cards approved up to ) 200,00 monthly* 1.3. Standard II (Cards approved up to ) 200,00 monthly* 1.4. Standard III (DS old) 200,00 monthly 1.5. Super Payroll 2. Membership fee for additional card 2.1. Standard 100,00 monthly* 2.2. Standard I (Cards approved up to ) 100,00 monthly* 2.3. Standard II (Cards approved up to ) 100,00 monthly* 6

7 2.4. Standard III (DS old) 100,00 monthly* 2.5. Super Payroll *Fee will not be charged in the first 12 months of existence of primary card and after only in case if there is outstanding Standard Standard I Standard II Superpayroll / /Standard III Standard IV 3. Charges 3.1. Fee for usage abroad (conversion) 1% 3.2. Payout cash in Findomestic bank 2% (min 50,00 ) 3.3. Payout cash in the county ( ATM or 3% (min 150,00 ) another Bank s teller ) 3.4. Payout cash in abroad ( ATM or 3% (min 300,00 ) another Bank s teller ) 4. Costs and charges 4.1. Regular card issuance 4.2. Cost of statement /60, Emergency delivery of statements by 120, Emergency delivery of statements by mail 200, Replacement of damaged cards 500, Replacement of damaged pin 500, Blocking of lost/stolen cards 500, Update emergency spending limit 4.9. Update of credit limit Copy of bill (slip) 800, Announcing the card invalid MasterCard tariff Unfounded claims 1.000, Emergency card issuance 3.000, ,00 / Emergency card replacement 4.000, ,00 / Emergency reprint pin 2.000, ,00 / Confiscated blocked card in ATM 600, Confiscated blocked cards by the ,00 merchant Misuse by the users after report that the card was lost/stolen 800,00 /trans. + transaction amount Balance inquiry on FDB ATM 7

8 4.20. Balance inquiry on other ATM 50, Blockage due to delay 1.000,00 Standard I Cardholders that have been approved as of Standard II Cardholders that have been approved as of Standard III (DS old) Users to whom MasterCard Standard or MasterCard Gold credit card will be replaced by MasterCard Standard Supercard card Standard IV (DS old closed) - Users to whom MasterCard Standard or MasterCard Gold credit card were closed and account balance transferred to the account tipe MC Standard SuperCard. XI VARIOUS LETTERS OF CONFIRMATIONS 1. Issuing letter of confirmation about closing current account/credit card/ credit account 2. Sending letter of confirmation about credit debt outstanding 2 times per year 3. Issuing letter of confirmation about credit debt outstanding on client request 4. Issuing letter of confirmation about credit debt 300 per letter outstanding in refinancing purpose with the other bank credit 5. Issuing letter of confirmation for dinar current account 300 per letter (can be changed quarterly ) 6. Issuing other letter of confirmation on client 300 per letter request 7. Issuing certificates of the funds in special purpose account for trading securities 8. Issuance of certificate for participation in auction 1.000,00 XII OTHER 1. Payment of cheques and saving books of other 3,00% banks 2. Replacement of damaged bill 2.1. Replacement of damaged bill 2.2. Replacement of damaged foreign currency bill 5,50% of nominal value in counter value using selling exchange rate of FDB on the day of transaction (min. 100,00 ) B BUSINESS OF TRADING SECURITIES 1. Trading of securities in dinars 0,20% (max ,00 ) + cost of stock market, cost of stock broker and CSD and clearing house 8

9 2. Trading of securities in the currency 0,20% (max ,00 ) + cost of stock market, cost of stock broker and CSD and clearing house 3. Opening and managing cash accounts individuals, residents and non-residents Fees and commissions based on a international payment transactions the bank is charging and collecting by applying the middle exchange rate on the day of order processing. Tariff of fees provided for Section 4 of this decision is usually paid by the person to whom services are performed, unless the contract between the bank and a customer or a third party says otherwise In jobs at home and abroad in which participate a number of domestic banks, in which the Bank transferred the jobs to the execution of other banks, the fee is determined by contract. If there is no contract, then the tariffs from this decision are applied 5. The Decision shall enter into force upon its adoption and shall apply after the period of 15 days from the date of posting on the Bank premises, based on the valid and applicable regulations. 9