Nordic Fee Schedule and Cut-off Times for Correspondent Banks. February 2012 ONE POINT OF ENTRY - ACROSS NORTHERN EUROPE

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1 Nordic Fee Schedule and Cut-off Times for Correspondent Banks February 1 Danske Bank is a leading Nordic bank offering clearing services in,,, and The Republic of and is therefore your one point of entry across Northern Europe. The Nordic Fee Schedule includes terms and conditions for Nostro services in DKK, NOK, SEK and EUR as well as commercial payment services to all group markets and is governed by Danske Bank s General Conditions for Correspondent Banks. The terms and conditions for Nostro services and commercial payments may therefore be changed by Danske Bank without notice. Danske Bank A/S CR-nr København

2 Nordic Fee Schedule and Cut-off Times applying to International Payments Account services and reporting Account services Account Maintenance fee Credit rate Debit rate Confirmation of balances Audit requests by banks and/or auditors min. 00 min. 00 min. 0 min. 7 min. 7 Posting fee STP Analysis reports STP Analysis reports older than six months 1,0 1,0 1, 1 1 Interest statements Additional statement Interest is calculated on the basis of 36 (366)/3 days and payable quarterly. Danske Bank does not give notice of changes in interest rates. Reporting Types MT900 sent upon entry MT9 sent upon entry MT9 sent at approx CET MT94 sent as agreed MT90 sent at approx CET Letter of Advice.0.0 Account Statement by mail Add. copy/resent MT Interbank transfers MTN Bank to bank transfers Credit STP.0.0 Debit STP.0.0 Non-STP credit.0.0 Non-STP debit 8 8 CLS Services Danske Bank Group offers a full range of CLS services in DKK, SEK and NOK Cash Management Tools Account adjustment Interest Netting Multi Currency Interest Netting Business Online (Internet access) Page of 6 Danske Bank A/S CR-nr København

3 Bank to bank cut-off times (Times listed in CET) Bank to bank cut-off times Book transfers Clearing transfers Transfers in EUR 1.30 N/A N/A Cancellations by MT9 alue dating If received correctly formatted by SWIFT before the mentioned cut off times, transfers are effected for value same day International Incoming transfers MTN (Times listed in CET) Cut-off times EU/EEA currencies and USD 13.4 Other currencies Commercial transfers Own clients EU-standard transfers Standard transfers (SHA) Standard transfers (OUR) Intercompany transfers (INTC)(OUR) Additional Non-STP charge * (irrespective of charge code) Clients of other banks EU-standard transfers Standard PSD transfers 1 Standard transfers (SHA/BEN) Standard transfers (OUR) Additional Non-STP charge * (irrespective of charge code) Letter of advice * Charged in DKK EU standard transfer: the payments do not exceed EUR 0,000 the charge code is SHA correct SWIFT BIC in field 7A correct IBAN account number in field 9 Page 3 of 6 Danske Bank A/S CR-nr København

4 alue dating PSD value dating Own clients No currency conversion Currency conversion local currency/eur Currency conversion EU/EEA ccurrencies Clients of other banks Domestic EUR other currencies International EUR other currencies Non-PSD value dating Own clients Clients of other banks * Funds available * * * IBAN account numbers and formatting Charge options Please see our website for IBAN account numbers and formatting. Forwarding fees in respect of clients of other banks are charged to remitting bank. Other Non-PSD payments with the code SHA or BEN specified in field 71A of the S.W.T.F.T. message are free of charge for your bank, except for possible repair charges. We charge fees separately to remitting bank s account when processing OUR payments. Additional fees from beneficiary s bank will also be charged remitting bank s account. It is possible that OUR charges are bundled together with non-stp and PSD forwarding fees. Fees can also be invoiced in the following currencies at your choice; DKK, SEK, NOK, EUR, USD, GBP and PLN. For futher information about bundling and invoicing please contact your relationship manager in Financial Institutions or Banking Partners. You will find telephone numbers at the last page. Investigations MTN/MTN Investigation MTN/MTN Adjustment of value date leading to payment of interest 1,000* 1,0* 1,0* 13* 13* Cancellation/Amendments (not exceeding two months) Investigation of transfers (not exceeding two months) Investigation of transfers (exceeding two months) Investigation of transfers (exceeding six months) 1,00 1,0 1,0 0 0 * Plus interest Investigations MTN/MTN Danske Bank is able to handle requests for value adjustment between accounts in Danske Bank within 180 days from enquiry date against payment of the related charges. We offer same day cancellation of MTN provided that you send a correctly formatted MT9 before CET on value day. This service is free of charge. Requests for cancellation of MTN received after cut-off time are handled on a best effort basis. Danske Bank sends out confirmation upon request and against a fee. Requests for cancellation of MTN in foreign currency where the amount has been converted are returned in the currency received. Conversion is made on the basis of Danske Bank s sellling rate for the currency in question on the day of return. Additional fee may apply for very time-consuming investigations. Page 4 of 6 Danske Bank A/S CR-nr København

5 Cheques Cheques Cash letter in local currency alue days 1 Cash letter in local currency drawn on Sampo Bank 0.% min. 13 max. 30 alue days Cash letter in foreign currency 7 7 alue days 7 Cheques drawn on account in Danske Bank or Sampo Bank 30 By arrangement 1 By arrangement By arrangement alue days Cash letter received for collection, min. 0.30% min. 00 max.,000.0% min. 00 max.,000 0.% min. 4 max % min. 4 max. 30 alue days 7 7 Investigation/cheque copies (not exceeding one month) Investigation/cheque copies (exceeding one month) 800 1,000 1, Investigation/cheque copies (exceeding six months) 1,00 1,00 1, Stamp duty per item 0.0 Stop payment/unpaid items 1.0 Please send local cheques including detailed settlement instructions to Danske Bank A/S Tel: Cheque Processing Holmens Kanal DK-9 Copenhagen K Fokus Bank ASA Tel: attn. Clearing Søndre Gate 13-1 N-7466 Trondheim Danske Bank, Branch Tel: P.O. Box 73 SE-3 9 Stockholm Sampo Bank Plc Tel: P.O. Box 13 Kaupintie 3/Foreign Cheques 0007 Helsinki Republic of National Irish Bank Tel: Clearing Control Unit 7 College Green Dublin Page of 6 Danske Bank A/S CR-nr København

6 Cheque handling A cheque is considered final seven days after receipt with exceptions only in case of forgery and fraudulent endorsement. If the cheque proves to be forged or fraudulent at a later date, Danske Bank reserves the right to withdraw funds from the remitting bank s account. No volume restrictions applies. Danske Bank requires a MT1 for each cheque issued. Cheques presented through the retail branch network are debited the remitting bank s account value same day. Formatting Stop payment Where can you find us The preferred cheque format is - cm wide and 8 - cm high and with the remitting bank s account number (ten digits) printed on the front. Danske Bank accepts cheques assigned with own cheque numbers. Control digits are not used and pre-encoded lines are not necessary. Danske Bank requires a MT111 before 1.00 CET and will confirm action taken by MT11. A stop payment is valid for one year. Your one point of entry Danske Bank A/S Financial Institutions Banking Partners - 1 Holmens Kanal Tel: Tel: DK-9 Copenhagen K Fax: Fax: Tel: Fax: Incoming payments Interbank payments SWIFT: DABADKKK Tel: Tel: Fax: Fax: Fokus Bank ASA Søndre Gate 13-1 N-7466 Trondheim SWIFT: DABANO Danske Bank, Box 73 S Stockholm SWIFT: DABASESX Sampo Bank Plc Hiililaiturinkuja FI-0007 SAMPO BANK SWIFT: DABAFIHH Rep. of National Irish Bank 3 Roor, International House, 3 Harbourmaster Place, IFSC Dublin 1 SWIFT: DABAIED We invite you to visit our web site at where you can find extensive information in regard to SWIFT format requirements, Danske Bank s General Conditions and prices, Danske Bank s policies and procedures in regard to Know Your Customer, Anti-Money Laundering and the prevention of terrorist financing. Page 6 of 6 Danske Bank A/S CR-nr København