AS Citadele banka Eesti filiaal and OÜ Citadele Leasing & Factoring Pricelist

Transcription

1 ACCOUNT OPENING, PAYMENTS Current Account Pension account (EUR) Cash Operations Outgoing payments Incoming payments Identification of payments, bank statements and certificates... 4 PAYMENT CARDS Maestro Pension card Maestro Maxi Savings account payment card MC Standard D Savings Account payment card MC Standard MasterCard Standard MasterCard Gold Payment card limits Other payment card services... 7 DEPOSITS Term deposit Savings account Maxi Savings account D Savings Account... 8 E-SERVICES Citadele Online Banking Electronic account management system DIGI::FIRMA Authorization devices Limits of authorization devices... 9 LOANS Loans and financing for private customers Loans and financing for business customers Bank s guarantees (for business customers) Letter of credit Collection

2 ACCOUNT OPENING, PAYMENTS 1. Current Account Resident Non resident 1.1. Opening of Current Account (for private customers) 50 EUR Resident of EU member state 35 EUR 1.2. Opening of Current Account (for business customers) 100 EUR Registered in EU member state (except Cyprus, Luxembourg, Malta, United Kingdom ) 70 EUR 1.3. Opening of Start-Up Account (for business customers) Opening of Current Account in Citadele banka (Latvia) 20 EUR + courier service fee 20 + courier service fee 1.5. Preparation of an authority (for private customers) 1.6. Authentication of signature and stamp samples on the bank card (Free of charge when opening a Current Account) 7 EUR 7 EUR 1.7. Maintenance of Current Account (for private customers) 1.8. Maintenance of Current Account (for business customers) 0.64 EUR per month 5 EUR per month 1.9. Closing of Current Account Annual interest rate for credit balance 0% 0% 2. Pension account (EUR) Pension recipient (resident, private individual) 2.1. Opening of account 2.2. Maintenance fee of account 2.3. Power of attorney issue 2.4. Closing of account 2.5. Cash withdrawal in Citadele Bank 2.6. Outgoing payments According to the fees for outgoing payments 2.7. Interest income 0% 2.8. Interest rate for term deposit Interest rates for term deposits % 2.9. Interest rate for savings account Interest rates for savings accounts % 3. Cash Operations 3.1. Cash depositing to one's own account in EUR (banknotes) 3.2. Cash depositing to one's own account in EUR (coins) 1 0.1%, min 1.60 EUR; up to 20 EUR (inc.) free of charge 3.3. Cash depositing to an underage account in EUR 3.4. Cash depositing to another person's account in EUR 0.1%, min 1.60 EUR 3.5. Cash depositing in RUR currency 6.5% 3.6. Cash depositing in USD currency %, min 2 USD 3.7. Cash depositing in other currency 1 0.4%, min 1.60 EUR 3.8. Cash withdrawal in EUR 0.4%, min 1.60 EUR 3.9. Cash withdrawal from an underage account in EUR 0.4 %, min 1.60 EUR; up to 10 EUR (incl.) free of charge Cash withdrawal in USD currency 0,5%, min 2 USD Cash withdrawal in other currency 0.5%, min 1.60 EUR 2

3 3.12. Currency exchange in cash (if the customer is not a client of the Bank) 1 EUR Cash reservation (starting from the amount of EUR or its equivalent in any other currency) Cancelling the cash reservation EUR Withdrawal of the non-reserved cash on the same day 5% of the sum Exchange of coins for banknotes 1%, min 1.60 EUR Exchange of coins 1%, min 1.60 EUR Exchange of banknotes (EUR) 0.5%, min 0.96 EUR; up to 50 EUR (incl.) free of charge Exchange of banknotes (other currencies) 1%, min 1.60 EUR Replacement of damaged banknotes (EUR) Replacement of damaged banknotes (other currencies) 15% Verification of banknotes on client s request 0.20 EUR / per banknote 1 to one's own term deposit with a term from 1 month free of charge 4. Outgoing payments 4.1. Payments within the Citadele group Payment within Citadele bank (including to the Estonian, Latvian and German branches) between accounts of same customer in Citadele Online Banking in Bank s office, Citadele Online Banking payments which are processed manually EUR Payment within Citadele bank (including to the Estonian, Latvian and German branches) between accounts of different customers EU- payment 2 to Citadele bankas (in Lithuania) and to AP Anlage&Privat Bank AG (Switzerland) 0.10 EUR 1.50 EUR 0,38 EUR 1.50 EUR International payment to Citadele bankas (in Lithuania) and to AP Anlage&Privat Bank AG (Switzerland) 4.2. Local payments 2 EUR 4 EUR Estonian local payment 0.38 EUR 1.50 EUR Estonian local payment for owner of Pension account and Pension card Urgent Estonian Local payment (can be transferred during ) 4.3. Regular payments 0.20 EUR 1.50 EUR 6.39 EUR 10 EUR Registration of regular payment order Execution of regular payment order 4.4. International payments The service fee for the respective payment order in Citadele Online Banking EU payment EUR 1.50 EUR The service fee for the respective payment order in Citadele Online Banking International payment in CIS state countries currencies (RUR, KZT, BYR) to the other banks, charges paid by remitter (OUR) EUR 23 EUR International payment in CIS state other currencies According to the fee for International payment International payment, charges shared equally (SHA) EUR 10 EUR Urgent international payment, charges shared equally (SHA) EUR 13 EUR International payment, charges paid by the remitter (OUR) EUR 23 EUR Urgent international payment, charges paid by the remitter (OUR) EUR 35 EUR According to the fee for International payment 3

4 5. Incoming payments 5.1. Incoming within Citadele bank (including from Estonia, Latvia and Germany branches) 5.2. International incoming from Citadele bankas (Lithuania) and AP Anlage & Privat Bank AG (Switzerland) 5.3. Estonian local incoming 5.4. Incoming EU payment International incoming EUR (or its equivalent in payment currency) 1 Payment orders which are executed through the Citadele Online banking will be processed manually by a bank officer if the field Information to the Bank is filled. 2 Terms and conditions of an EU-payment: the currency of the payment is EUR; payment type regular, SHA; correct remitter's and beneficiary's IBAN, as well as remitter's and beneficiary's bank BIC code at the payment; the field payment details has to be filled in correctly; beneficiary's bank is located in a European Union country (also Iceland, Liechtenstein, Norway, Switzerland, Gibraltar, Guadeloupe, Martinique, French Guyana, Reunion). 3 If RUR, BYR, KZT currencies are bought in any other freely convertibles currencies during the payment day then there is no maintenance International payment charges will be paid by remitter (OUR) And payment type is Regular 4 Remitter pays the service fee of Citadele bank and the beneficiary pays the service fee of all other banks (SHA) 5 Remitter pays the services fees of both Citadele bank as well as those of foreign banks. In case the service fee of the beneficiary's bank exceeds the fee paid by the remitter for the beneficiary, the respective difference of the service fees shall be charged automatically from the remitter's current account. When executing international payments in currencies LVL, EUR, BGN, CZK, DDK, GBP, HUF, ISK, LTL, NOK, PLN, ROL or SEK to a beneficiary who s Current Account is located in a bank at European Economic Area (EEA) and t he payment is made from the Current Account with the same currency (no currency conversion is made), then the selected payment type can only be SHA (shared costs). When converting the currency for the payment it is possible to select the OUR (costs paid by remitter) as payment type. 6 in addition the beneficiary pays the service fees of all banks intermediating the payment; in case the payment in received "in full amount by the beneficiary" the beneficiary only pays the service fees of the correspondent banks 6. Identification of payments, bank statements and certificates 6.1. Identification, improvement and revocation of Estonian local payments and payments within Citadele bank (including branches in Estonia, Latvia and Germany) 3.20 EUR 6.2. Identification and investigation of international payments: regarding payments that are up to 3 months old 16 EUR + the actual costs of foreign banks regarding payments that are over 3 months old 32 EUR + the actual costs of foreign banks 6.3. Amendments or revocation, cancellation of international payments: the payment not sent out of the Bank 15 EUR + the actual costs of foreign banks the payment has been sent out of the Bank 26 EUR + the actual costs of foreign banks 6.4. Copy of a SWIFT message 3.20 EUR 6.5. Authentication of a copy of a bank operation 1 EUR 6.6. Account statements: Monthly account statement at the Bank's office 1.60 EUR Random account statement at the Bank's office 0.1 EUR per page, min 1.60 EUR Account statement in Citadele Online banking Account statement by EUR Account statement by post in Estonia 1.60 EUR Account statement by post outside Estonia 0.1 EUR per page, min 3,20 EUR Account statement by fax in Estonia 1.60 EUR Account statement by fax outside Estonia 0.1 EUR per page, min 3.20 EUR 6.7. Certificate regarding the existence and status of the one account 1.60 EUR 6.8. Certificate regarding the existence and status of the several accounts 3.20 EUR 6.9. Certificate for the auditors 20 EUR Other certificates, confirmations 3.20 EUR 4

5 6.11. Non-standard certificates, confirmations 15 EUR Statement from Commercial Register 1.60 EUR Copy of bank's documents 3.20 EUR Issue of copies and statements to the revenue officers 0.35 EUR / per page Inquiry/seizure act processing and execution 15 EUR PAYMENT CARDS 7. Maestro EUR card USD - card 7.1. Monthly fee of a card and of a supplementary card 1 EUR 1 USD 7.2. Monthly fee of a card for up to 18-year-olds free of charge 1 USD 7.3. Replacement of a card 2 EUR 3 USD 7.4. Purchase of goods and services in Estonia and outside of Estonia free of charge free of charge 7.5. Cash withdrawal from ATM-s in Estonia and outside of Estonia: for private customers 1 EUR + 0,5% 3 USD + 2,5% for business customers 1 EUR + 2,5% 3 USD + 2,5% 7.6. Cash withdrawal from Citadele bank according to the fee for cash withdrawal from current account according to the fee for cash withdrawal from current account 7.7. Cash withdrawal from other banks 2 EUR + 2,5% 5 USD + 2,5% 7.8. Outgoing payments from card accounts according to the fees for outgoing payments according to the fees for outgoing payments 7.9. Annual credit interest rate 22% 22% Annual interest rate for the late payments (higher annual credit interest rate (additionally to the annual credit interest rate)) 45% 45% Penalty interest rate 0,2% per day 0,2% per day 8. Pension card Maestro EUR - card (only for residents of the Republic of Estonia (private individuals), who receive pension) 8.1. Monthly fee of a card and a supplementary card 8.2. Replacement of a card 2 EUR 8.3. Purchase of goods and services in Estonia and outside of Estonia 8.4. Cash withdrawal in Citadele Bank 8.5. Cash withdrawal in other banks 2 EUR + 2,5% 8.6. Cash withdrawal from ATM-s in Estonia and outside of Estonia according to the fees for Maestro card 8.7. Overdraft penalty 0.2% per day 8.8. Outgoing payments from card account according to the fees for outgoing payments 8.9. Interest rate for term deposit Interest rates for term deposits % Interest rate for savings account Interest rates for savings accounts % 5

6 9. Maxi Savings account payment card MC Standard EUR card 9.1. Monthly fee of a card and of a supplementary card 9.2. Replacement of a card 6.50 EUR 9.3. Purchase of goods and services in Estonia and outside of Estonia 9.4. Cash withdrawal from ATM-s in Estonia and outside of Estonia 2 EUR + 2,5% 9.5. Cash withdrawal from other banks 2 EUR + 2,5% 9.6. Penalty interest rate 0,15% per day 10. 3D Savings Account payment card MC Standard EUR card Monthly fee of a card 1 EUR Monthly fee of a supplementary card Replacement of a card 6.50 EUR Purchase of goods and services in Estonia and outside of Estonia 0,5% of sum Cash withdrawal from ATM-s in Estonia and outside of Estonia 2 EUR + 2,5% Cash withdrawal from Citadele and other banks 2 EUR + 2,5% Overdraft penalty 0,2% per day Outgoing payments from card account According to 3D Savings Account 11. MasterCard Standard EUR card USD - card Monthly fee of a card and of a supplementary card 1.60 EUR 2.50 USD Replacement of a card 6.50 EUR 9.30 USD Purchase of goods and services in Estonia and outside of Estonia free of charge free of charge Cash withdrawal from ATM-s in Estonia and outside of Estonia 2 EUR + 2,5% 3 USD + 2,5% Cash withdrawal from Citadele bank and from other banks 2 EUR + 2,5% 3 USD + 2,5% Outgoing payments from card accounts according to the fees for outgoing payment + 3% of the sum according to the fees for outgoing payment + 3% of the sum Annual credit interest rate 22% (till 45 days is interest-free credit) 22% (till 45 days is interest-free credit) Annual interest rate for the late payments (higher annual credit interest rate (additionally to the annual credit interest rate)) 45% 45% Overdraft minimum monthly payment amount 5% of spent overdraft amount and 100% excess expenditure 5% of spent overdraft amount and 100% excess expenditure Overdraft penalty 0,2% per day 0,2% per day 12. MasterCard Gold EUR card USD - card Monthly fee of a card 5 EUR 6.50 USD Monthly fee of a supplementary card 3 EUR 4.20 USD Replacement of a card 6.50 EUR 9.30 USD Purchase of goods and services in Estonia and outside of Estonia free of charge free of charge Cash withdrawal from ATM-s in Estonia and outside of Estonia 2 EUR + 2,5% 3 USD + 2,5% Cash withdrawal from Citadele bank and from other banks 2 EUR + 2,5% 3 USD + 2,5% 6

7 12.7. Outgoing payments from card accounts according to the fees for outgoing payment + 3% of the sum according to the fees for outgoing payment + 3% of the sum Annual credit interest rate 22% (till 45 days is interest-free credit) 22% (till 45 days is interest-free credit) Annual interest rate for the late payments (higher annual credit interest rate (additionally to the annual credit interest rate)) 45% 45% Overdraft minimum monthly payment amount 5% of spent overdraft amount and 100% excess expenditure 5% of spent overdraft amount and 100% excess expenditure Penalty interest rate 0,2% per day 0,2% per day 13. Payment card limits Resident Non-resident EUR USD EUR USD Monthly limit for cash withdrawal EUR equivalent EUR EUR equivalent EUR Daily limit for cash withdrawal 700 EUR equivalent 700 EUR EUR equivalent EUR Daily limit for cash withdrawal transactions Daily limit for payments in a commercial enterprises Other payment card services EUR card USD - card Unblocking of payment card on customer s order, which was blocked three times entering incorrect PIN code 1 2 EUR 3 USD Balance review: In Citadele banka (Latvia) ATM network free of charge free of charge In ATM networks of other banks (if the service is available from ATM) Change of PIN-code (service is rendered in Citadele banka cash dispensing ATMs in Latvia) 1 EUR 2 USD 4 EUR 4 USD Extra charge for currency exchange 4,3% 4,3% Card account statement According to the fees for Current account According to the fees for Current account Annual interest rate for credit balance 0% 0% Card account closure Mailing of notice about delayed repayment 10 EUR 13 USD 1 Service is available one in 24 hour period DEPOSITS 15. Term deposit Conclusion of a contract for the term deposit Term deposit interest rates, currencies and minimal amounts Information from the Bank Maintenance fee for cancelling deposit contract before maturity date 16. Savings account Opening of Savings Account (for private and business customers) Cash depositing to Savings account According to the fees for cash depositing to current account Cash withdrawal from Savings account without a notice of 7 calendar days According to the fees for cash withdrawal from current account + 1 % of sum 7

8 16.4. Outgoing payments from Savings account to Customer s own current account with a notice of 7 calendar days Outgoing payments from Savings account to Customer s own current account without a notice of 7 calendar days According to the fees for outgoing payments According to the fees for outgoing payments + 1% of sum Annual interest rate, currency and minimal amount Information from the Bank Closing of Savings Account 17. Maxi Savings account EUR Opening of Maxi Savings account Cash depositing to Maxi Savings account According to the fees for cash depositing to current account Cash withdrawal from Maxi Savings account without a notice of 7 calendar days Outgoing payments from Maxi Savings account to Customer s own current account with a notice of 7 calendar days Outgoing payments from Maxi Savings account to Customer s own current account without a notice of 7 calendar days According to the fees for cash withdrawal from current account + 1 % of sum According to the fees for outgoing payments According to the fees for outgoing payments + 1 % of sum Closing of Maxi Savings account 18. 3D Savings Account EUR, USD Opening of 3D Savings Account Opening of Current Account in conjunction with opening of 3D Savings Account Outgoing payments from 3D Savings Account to Customer s Current Account in Citadele with a notice of 3 calendar days Outgoing payments from 3D Savings Account to other client s account in Citadele or to account in other bank with a notice of 3 calendar days Outgoing payments from 3D Savings Account to Customer s Current Account, to other client s account in Citadele or to account in other bank without a notice of 3 calendar days Cash withdrawal from 3D Savings Account without a notice of 3 calendar days According to the fees for outgoing payment According to the fees for outgoing payment + 1% of sum According to the fees for cash withdrawal from current account + 1% of sum Cash deposit to 3D Savings Account According to the fees for cash depositing to current account Closure of 3D Savings Account E-SERVICES 19. Citadele Online Banking Resident Non resident Conclusion of a contract Monthly maintenance fee Re-activation of Citadele Online Banking 20. Electronic account management system DIGI::FIRMA Resident Non resident Conclusion of a contract Certificate 1.60 EUR 5 USD Monthly maintenance fee 16 EUR 20 USD Installation and instructions for use (upon customer's request) 40 EUR Service is not available 8

9 20.5. Consultation by phone or by Consultation at a location determined by the customer 16 EUR Service is not available 21. Authorization devices Resident Non resident Code Card issue New Code Card issue 3.20 EUR 3.20 EUR PIN calculator issue 15 EUR 15EUR Unlock of locked PIN calculator (in case locked during the use of Citadele Online Banking) PIN calculator replacement due to technical reasons 6 EUR 6 EUR Issue of PIN calculator DIGIPASS 50 EUR 50 EUR Unlock of locked PIN calculator DIGIPASS (in case locked during the use of Citadele Online Banking) Replacement or unlock of locked PIN calculator DIGIPASS (in case locked due to customer's fault) 32 EUR 32 EUR Replacement of PIN calculator DIGIPASS due to technical reasons ID-card reader 6.10 EUR Limits of authorization devices Resident Non resident Establishing a limit for Code Card Max 200 EUR per day and EUR per month Establishing a limit for PIN calculator Max EUR per transaction and EUR per day Max 200 EUR per day and EUR per month Max EUR per transaction and EUR per day Establishing a limit for PIN calculator DIGIPASS No limit No limit Establishing a limit for Estonian ID-card No limit No limit LOANS 23. Loans and financing for private customers Mortgage Loan Contract fee 2% of the loan amount, min 211 EUR Execution of amendments additional loan amount granting, loan maturity term extension, interest rate amendments, loan currency change offered loan security owner change, offered loan security change Execution of amendments to the other provisions of the agreement, not mentioned in paragraph or % of the loan amount, min 160 EUR 0.5% of unpaid credit or credit line sum 45 EUR per each document Fee for an advanced repayment The amount of 3 months interest (will not be applied in case of a notice of 3 months) Notice regarding arrears 10 EUR Housing Loan Contract fee 1,2% of the loan amount, min 160 EUR Execution of amendments: additional loan amount granting, loan maturity term extension, interest rate amendments, loan currency change 1% of the loan amount, min 160 EUR offered loan security owner change, offered loan security 0.5% of unpaid credit or credit line sum 9

10 change Execution of amendments to the other provisions of the agreement, not mentioned in paragraph or EUR per each document Fee for an advanced repayment The amount of 3 months interest (will not be applied in case of a notice of 3 months) Notice regarding arrears 10 EUR Leasing Contract fee for capital lease Up to 1% of the asset's acquisition value, min 180 EUR Contract fee for operating lease Up to 1.5% of the asset's acquisition value, min. 180 EUR Execution of amendments: Changing the payment date 30 EUR Repayment holiday 65 EUR extension/reduction of the contract period 100 EUR Execution of amendments to the other provisions of the agreement, not mentioned in paragraph , or Payment of the amount of penalty of the parking order 15 days overdue Up to 1% of the unpaid balance, min 75 EUR 20 EUR + incurred expenses Ordering a notarized power of attorney 23 EUR + incurred expenses Power of attorney to Estonian Motor Vehicle Registration Centre (ARK) for changing the owners in the technical passport Power of attorney to Estonian Motor Vehicle Registration Centre (ARK) for registering/ writing off the object Registering a security in Estonian Motor Vehicle Registration Centre (ARK) 10 EUR State fee + 25 EUR Issuing of invoice on paper 2 EUR Notice regarding arrears 10 EUR 1 The other party of the leasing contract is OÜ Citadele Leasing & Factoring, VAT will be added to the service fees 24. Loans and financing for business customers Investment loan, Credit line Contract fee, including increase in amount of loan/credit line Investment loan 1% of the loan amount, min 160 EUR Credit line 0.5% of the loan amount, min 130 EUR Execution of amendments Changes in repayment schedule with loan maturity term extension: up to 3 month 0.1%, min 130 EUR up to 1 year 0.2%, min 260 EUR above 1 year 1%, min 260 EUR Changes in the loan repayment and/or interest payments (without changes of the maturity); changes in the type of the interest rate; loan currency exchange; changes in the type of the loan from credit to the credit line or vice versa; loan security owner change; loan security change Execution of amendments to the other provisions of the agreement, not mentioned in paragraph or %, min 160 EUR 45 EUR per each document 10

11 Credit repayment before the term provided for by the agreement or reduction in credit line limit: Client's money funds free of charge Third person's money funds up to 2% of the repaid loan amount or credit line limit, min 710 EUR Notice regarding arrears 10 EUR Overdraft facilities Contract fee (incl. renewal of the contract) 0,5% of the loan limit, min 128 EUR Amending the terms and conditions of the contract 0,5% of the loan limit, min 128 EUR Notice regarding arrears 10 EUR Microcredit Contract fee, including increase in amount of credit/credit line credit 2% of the loan amount, min 210 EUR credit line 2% of the loan amount, min 280 EUR Execution of amendments According to the fees for investment loan, credit line Notice regarding arrears 10 EUR Factoring Contract fee 1% of the factoring limit, min 180 EUR Invoice processing fee Up to 1% of the amount of the invoice Written remainder to the buyer regarding unpaid invoice(s) 5 EUR Leasing Contract fee for capital lease Up to 1% of the asset's acquisition value, min 180 EUR Contract fee for operating lease Up to 1.5% of the asset's acquisition value, min. 180 EUR Execution of amendments: Changing the payment date 30 EUR Repayment holiday 65 EUR extension/reduction of the contract period 100 EUR Execution of amendments to the other provisions of the agreement, not mentioned in paragraph , or Payment of the amount of penalty of the parking order 15 days overdue Up to 1% of the unpaid balance, min 75 EUR 20 EUR + incurred expenses Ordering a notarized power of attorney 23 EUR Power of attorney to Estonian Motor Vehicle Registration Centre (ARK) for changing the owners in the technical passport Power of attorney to Estonian Motor Vehicle Registration Centre (ARK) for registering/ writing off the object Registering a security in Estonian Motor Vehicle Registration Centre (ARK) 10 EUR State fee + 25 EUR Issuing of invoice on paper 2 EUR Notice regarding arrears 10 EUR Small ticket leasing Contract fee (up to EUR) 50 EUR Contract fee (starting from EUR EUR) 100 EUR 11

12 Contract fee (starting from EUR - ) Up to 1% of the sum Premature repayment of the contract On agreement with OÜ Citadele Leasing&Factoring Amending the terms and conditions of the contract 75 EUR Issuing of invoice on paper 2 EUR Notice regarding arrears 10 EUR 1 The other party of the leasing contract is OÜ Citadele Leasing & Factoring, VAT will be added to the service fees 25. Bank s guarantees (for business customers) Consideration of an application for guarantee / Consideration of amendments Execution of a guarantee: if the security is cash assets (except deposit) 0.3% of the guarantee amount, min 90 EUR if the security is deposit or the other security, not mentioned in paragraph % of the guarantee amount, min 175 EUR Increasing in guarantee amount, increase in guarantee term if the security is cash assets (except deposit) 0.3% of guarantee amount regarding which amendments are made to, min 90 EUR if the security is deposit or the other security, not mentioned in paragraph Amendments to guarantee (except for amendments mentioned in paragraph 25.3), amendments to the guarantee letter execution contract 0.8% of guarantee amount regarding which amendments are made to, min 175 EUR 75 EUR Use of guarantee: if the security is cash assets (except deposit) 0.8% annual of guarantee amount if the security is deposit 1% annual of guarantee amount if the security is the other security, not mentioned in paragraph or From 3% annual of guarantee amount Repayment of guarantee/ Processing of payment demand 0.2% of the amount to be repaid, min 175 EUR Notification of guarantee issued by another bank 0.1% of guarantee amount (min 90 EUR, max 435 EUR) Notification of amendments to provisions of guarantee issued by another bank 75 EUR Postal charges Actual expenses EUR Notification by S.W.I.F.T., at issue of the guarantee 15 EUR Other correspondence by S.W.I.F.T EUR 26. Letter of credit Import letter of credit Consideration of an application for import letter of credit Execution of a new import letter of credit 0.25% of the amount of import letter of credit (min. 170 EUR) Increase in amount of the import letter of credit 0.25% of the increased amount of import letter of credit (min. 70 EUR) Modifications in the terms of import letter of credit (except for increase in amount of the import letter of credit), revocation or cancellation of undrawn import letter of credit, changes in the agreement on issuance of the import letter (-s) of credit 70 EUR Inspection of documents, payment 0.2% of amount of documents (min 170 EUR) Deferred payment fee 70 EUR 12

13 Fee for differences in the submitted documents 70 EUR Consulting in filling-in application form, drafting of the import letter of credit 40 EUR Notification by SWIFT at issue of the import letter of credit 20 EUR Other notification/correspondence by SWIFT 7 EUR Export letter of credit Preliminary notification on issue of the export letter of credit 40 EUR Notification on issue of the export letter of credit 0.1% of the amount of export letter of credit (min 85 EUR, max 430 EUR) Processing and coordination of the Export letter of credit example 40 EUR Modifications in the terms of export letter of credit, revocation or cancellation of undrawn export letter of credit Inspection of documents, payment: 70 EUR Inspection of documents and payment 0.2% of amount of documents (min 215 EUR) Payment of documents 0.2% of amount of documents (min 140 EUR) Payment of export letter of credit without documents presented 0.1% the amount of export letter of credit (min 85 EUR, max 430 EUR) Transfer of export letter of credit 0.15% of transferred letter of credit amount (min 215 EUR) Cession of export letter of credit 0.1% of cession amount (min 140 EUR, max 710 EUR) Confirmation of the other bank s letter of credit on the security of money funds at the bank Confirmation of the other bank s letter of credit without the security of money funds at the bank 1% annually of the export letter of credit amount (min 140 EUR) by agreement (min 355 EUR) Consulting in preparation of the documents 30 EUR for each document Notification by SWIFT on transfer of export letter of credit 20 EUR Other notification/correspondence by SWIFT 7 EUR 27. Collection Receipt of documents for payments and/or acceptance 0.1% min 80 USD Collection notice (advising) 50 USD Issue of documents in exchange for payment 0.1% min 100 USD Amending terms and conditions, instructions, withdrawal of collection 50 USD Returning documents to the remitter's bank 50 USD Issue of documents returned from the contragent's bank 30 USD Postal charges Actual expenses + 10 USD S.W.I.F.T./ telex message 10 USD 13