How To Pay A Bank Card In European Euro

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1 Standard Fees, Commissions and Interest rates Charged by Bancpost Accounts and Operations This version is applicable startin g with 03-Aug-2015 and cancels the previous one 1/14

2 Opening and maintenance of current/saving/special accounts Item Commission value - RON Commission value Foreign currency Accounts opening Current account opening Saving account opening Pension dedicated current account opening (other than Senior Activ current account) - Scolarship/pecuniary rights dedicated current account opening (pupils, students) 1 - Salaries/pecuniary rights dedicated current account opening 2 - Personal Banking current account opening Monthly administration fee for accounts Individual current account administration fee 3,50 RON/month/account 3 1 monetary unit/month 3 Multiavantaj current account administration fee Administration fee 4 for the foreign currency current account included in package Preferat Plus - - 1,50 monetary units/month (if the average monthly balance monetary units) 3 1,00 monetary units/month (if the average monthly balance > Active current account administration fee 5 3,50 RON/month/account 3 monetary 3,50 RON/month/account units) 3 Active pension dedicated current account administration fee (other than Senior Activ current account) 3,90 RON/month/account 3 - Active Senior Activ 7 current account administration fee 3,90 RON/month/account 8 - Active scolarship/pecuniary rights dedicated current account (pupils, students) administration fee - Active salaries/pecuniary rights dedicated current account administration fee 1,50 RON/month/account 8-1 The product is offered to resident and non-resident individuals clients who are pupils or students, if there is a scholarship/pecuniary rights transfer convention between the educational unit and Bancpost; 2 The product is offered to resident and non-resident individuals clients, if there is a salaries/pecuniary rights transfer convention between Bank and employer/empowered institution; the client benefits of cost related advantages according to the agreed convention; 3 The commission is charged regardless of the account available balance (it may cause unauthorized overdraft); 4 Only for EUR and USD; the product is offered only to clients who choose Preferat Plus Package; 5 The commission applies only to current accounts opened before ; 6 the equivalent in the account currency, at NBR exchange rate; the commission is charged regardless of the account available balance (it may cause unauthorized overdraft); 7 Starting , the product is offered only to clients who choose Senior Activ Package; 8 The commission is charged regardless of the account available balance (it may cause unauthorized overdraft); 2/14

3 «MEGA CONT DE ECONOMII» saving monthly account administration fee 2,50 RON/month (if the average monthly balance 500 RON) 9 (if the average monthly balance > 500 RON) 1 monetary unit/month (if the average monthly balance 500 EUR/USD/CHF) 9 (if the average monthly balance > 500 EUR/USD/CHF) «Rentabil» saving monthly account administration fee 10 Max. 4,00 RON/month (if the - «Perfect» and «Combinat» saving monthly account administration fee 12 (RON) average monthly balance RON) 11 Max. 2,00 RON/month (if the average monthly balance > ,50 RON Saving with accumulation monthly account administration fee 12 (RON, EUR, USD) RON) 11 2,50 RON 2,50 RON equiv. in account currency MEGA CONT (EUR, USD, CHF) saving monthly account administration fee 12-2,50 RON equiv. in account currency Senior Activ saving monthly account administration fee 13 - Inactive current account administration fee (without movement for minimum one calendaristic month) Max. 10,00 RON/month/account 11 Max. 10,00 RON/month/account 14 Inactive pension dedicated current account administration fee (other than Senior Activ current account) (without movement for minimum one calendaristic month) Max. 10,00 RON/month/account 11 - Inactive Senior Activ 14 current account administration fee (without movement for minimum one calendaristic month) Max. 10,00 RON/month/account 11 - Inactive scolarship/pecuniary rights (pupils, students) dedicated current account (without movement for minimum one Max. 10,00 RON/month/account 11 - calendaristic month) Inactive salaries/pecuniary rights dedicated current account administration fee (without movement for minimum one calendaristic month) Inactive current account administration fee included in «Favorit» package (without movement for minimum one calendaristic month) Inactive current account administration fee included in «FUNtastic» package (without movement for minimum one calendaristic month) Max. 10,00 RON/month/account 11 - Max. 10,00 RON/ month/account 11 - Max. 10,00 RON/ month/account 11 - Dormant current account administration fee 12 (without debit transactions for 6 consecutive months) Max. 10,00 RON/ month/account 11 Max. 10,00 RON/month/account 14 Dormant pension dedicated current account administration fee (other than Senior Activ current account) (without debit transactions for 6 consecutive months) Max. 10,00 RON/ month/account 15-9 The commission is charged regardless of the account available balance (it may cause unauthorized overdraft); 10 The commission applies only to saving accounts opened before ; 11 within the account available balance; 12 The commission applies only to current/saving accounts opened before ; 13 The product is offered only to clients who are owners of Senior Activ account/package; 14 or the equivalent in the account currency, at NBR exchange rate, within the account available balance; 15 Within the account available balance; 3/14

4 Dormant Senior Activ current account 16 administration fee (without debit transactions for 6 consecutive months) Max. 10,00 RON/ month/account 16 - Dormant scolarship/pecuniary rights (pupils, students) administration fee (without debit transactions for 6 consecutive Max. 10,00 RON/ month/account 16 - months) Dormant salaries/pecuniary rights dedicated current account administration fee (without debit transactions for 6 Max. 10,00 RON/ month/account 16 - consecutive months Dormant current account administration fee included in «Favorit» package (without debit transactions for 6 Max. 10,00 RON/ month/account 16 - consecutive months) Dormant current account administration fee included in «FUNtastic» package (without debit transactions for 6 Max. 10,00 RON/ month/account 16 - consecutive months) Personal Banking current account administration fee Max. 12,00 RON/month (if the average monthly balance RON) 16 Max. 6,00 RON/month (if the average monthly balance > RON) 16 Max. 3,00 monetary units/month (if the average monthly balance monetary units) 17 Max. 1,50 monetary units/month (if the average monthly balance > monetary units) 18 Perspective pentru educatie savings account administration fee Max. 1,00 RON/month (if monthly average balance 500 RON); 0 (if monthly average balance > 500 RON). - Perpetuum savings account administration fee Accounts closing Current account closing Saving account closing Pension dedicated current account closing (other than Senior Activ current account) - Senior Activ saving account closing 17 - Scolarship/pecuniary rights (pupils, students) dedicated current account closing - Salaries/pecuniary rights dedicated current account closing - Personal Banking account closing Special accounts Escrow account opening 0,1% minim 50 EUR 18 Escrow account administration fee 16 Starting , the product is offered only to clients who applies Senior Activ Package; 17 or the equivalent in the account currency, at NBR exchange rate, within the account available balance; 18 or the equivalent in account currency, at NBR exchange rate; 4/14

5 Escrow account closing Account statements Issuing of current account statement for the last ended calendaristic month, once per month, at the counter (on paper) Issuing of current account statement for the last ended calendaristic month (starting with the second request) or the current month, at the counter (on paper) Issuing of each current/savings account statement for the months previous to the last ended calendaristic month retrospective statements (on paper) Issuing of each saving account statement for the last ended calendaristic month or the current month, at the counter (on paper) or for the months previous the last ended calendaristic month retrospective statements (on paper) Issuing of savings account statement for the last ended calendaristic month (starting with the second request) or the current month, at the counter (on paper) 4 RON/statement/account 4 RON/statement/account 19 4 RON/monthly statement/account 4 RON/ monthly statement/account 19 4 RON/statement/account 4 RON/statement/account 19 Issuing and sending of current/saving account statement by post, in Romania 3,50 RON/statement/account 0,80 EUR; 1 USD; 1 CHF; 1 CAD; 7 SEK; 0,70 GBP; 6 NOK; 103 JPY; 1 AUD; 6 DKK; 233 HUF; 3 PLN; 21 CZK; 2 TRY/statement/account Sending of current/saving account statement by 19 or the equivalent in account currency, at NBR exchange rate; 5/14

6 Packages of products and services Item Valoare comision - LEI Valoare comision - Valuta Preferat package administration fee 3,50 RON/month 20 - Eu Salariat package administration fee 5 RON/month 20 - Preferat Plus package administration fee 6 RON/month (if the avearge monthly balance RON) 20-4 RON/month (if the avearge monthly balance > RON) 20 FUNtastic package administration fee 21 - Favorit package administration fee 22 1,50 RON/month 20 - Senior Activ package administration fee 3,90 RON/month 20 - Preferat / Preferat Plus / FUNtastic / Favorit / Senior Activ package closing - Cash operations Item Commission value - RON Commission value Foreign currency Cash deposit at the counter ordered by the account owner - in the owner s accounts opened at the same Bancpost branch - in the owner s accounts opened at other Bancpost branches Cash deposit at the counter order by individuals - in clients accounts opened at the same Bancpost branch - in clients accounts opened at other Bancpost branches Cash withdrawal in banknotes and/or metallic coins 23 0,50 %, min. 4 RON 0,50%, min. 3 EUR 24 Cash withdrawal from allowance dedicated accounts for preschool and school children 25 - Exchanging of used or damaged banknotes for new banknotes (RON) 3% - Exchanging cash in small denominations for large denominations 3% - Exchanging cash in metallic coins for banknotes 5% - Foreign currency withdrawal for non-clients (except conventions) - 1%, min. 5 EUR Issuing of duplicates for cash payment documents, based on custemer request 5 RON/page 5 RON/page The commission is charged regardless of the account available balance (it may cause unauthorized overdraft); 21 The product is offered to resident and non-resident individuals clients older then 14 years, who are pupils or students, if there is a salary/scholarship transfer convention between the educational unit and Bancpost; 22 The product is offered to resident and non-resident individuals clients, if there is a salaries/pecuniary rights transfer convention between Bank and employer/empowered institution; the client benefits of cost related advantages according to the agreed convention with the employer/empowered institution; 23 According to General Business Conditions, cash withdrawals made by customers, exceeding amounts in the national currency of more than RON 20,000 or in the foreign currency of more than EUR or the equivalent at the NBR exchange rate available for the day when the withdrawal is announced, shall be communicated by the customer in advance, at least two working days prior to the payment date, by filling in the form Request for high value cash withdrawal, available at the counter; 24 or the equivalent in the account currency, at NBR exchange rate; 25 Applicable for allowance dedicated accounts opened until ; 6/14

7 Non-cash operations in RON - Intrabanking (Bancpost Bancpost transfers) Item RON Incomings Payments - through payment order - through Fastbanking - through Direct Debit Standing Order - at the counter (RON, EUR, USD) - through Fastbanking (RON) Utility payments (through Plati utile module/fastbanking) Sweep IN/OUT Non-cash operations in RON - Interbanking (Bancpost other banks from Romania or abroad) (without BNR/Transfond commissions 26 ) Item Commission value Incomings* 27 - up to 499,99 RON 3,50 RON/operation ,99 RON 6,00 RON/operation - starting with RON 22,50 RON/operation 26 NBR/TransFonD commissions are shown in the account statement together with Bancpost commission. The value of these commissions is established unilaterally by NBR/TransFonD: Small value payment operations (< RON) (payed by the payer) 0,51 RON High value payment operations (>= RON) (payed by the payer) 6,00 RON Incoming operations (payed by the beneficiary) 0 Payment operations through interbanking Direct Debit (payed by the payer) 0 Incoming operations through interbanking Direct Debit (payed by the beneficiary) 0,51 RON Payment operations through debit instruments (cheque, promissory note, bill of exchange) 0 electronically processed (payed by the payer) Payment operations through debit instruments (cheque, promissory note, bill of exchange) - 0,88 RON electronically processed (payed by the beneficiary) Debit instruments refusal (cheque, promissory note, bill of exchange) (payed by the payer) 0,55 RON 27 Treansactions performed itn the curent accout included in the Eu Salariat package are free of charge 7/14

8 * Incomings (for accounts derived from card accounts opened before , to which Maestro and VISA Electron debit cards are attached) * Incomings (for accounts from card accounts opened before , with Maestro and VISA debit card attached) - up to RON 1,10 RON/operation - starting with RON 15 RON/operation * Incomings (for accounts derived from card accounts opened before , to which MasterCard debit cards are attached) 2 RON/operation Payments Payments through payment order - up to ,99 RON 6 RON/operation - starting with RON 15 RON/operation Urgent payments through payment order 15 RON/operation Payments through payment order for garnishments (without BNR/TransFonD commission) - up to ,99 RON 10 RON/operation - starting with RON 16 RON/operation Payments through Fastbanking - up to ,99 RON 3,50 RON/operation - starting with RON 10 RON/operation Urgent payments through Fastbanking 10 RON/operation Payments through Direct Debit - up to ,99 RON 3,50 RON/operation - starting with RON 10 RON/operation Commission for Payments Incidences Register, only within the available balance Max. 15 RON/instrument Cheques, promissory notes, bills of exchange Cheques and promissory notes submitted for payment (debit instruments in new format) - up to ,99 RON 6 RON/operation - starting with RON 15 RON/operation Cheques and promissory notes submitted for payment (manually processed debit instruments in old format) 20 RON/operation Cheques and promissory notes sent to collection (debit instruments in new format) - up to 499,99 RON 3,50 RON/instrument ,99 RON 6 RON/instrument - starting with RON 22,50 RON/instrument Cheques and promissory notes sent to collection (manually processed debit instruments in old format) 30 RON/operation Selling of bills of exchange/promissory notes/cheques 0,50 RON/file Conditional payment orders received/issued (without BNR/TransFonD commissions 28 ) Issuing 100 RON + payment commission 29 Endorsement 100 RON Issuing of duplicates for non-cash payments documents, based on custemer request 5 RON/page Investigations initiated by the customer or banks on the settlement flow /Ammendments/Cancellations (for payment orders received/issued) 90 RON/transaction + commissions 28 The value of this commission is established unilaterally by NBR/TransFonD; 29 It is applicable the RON payment commissión; 8/14

9 Treasury operations in RON: Participation on primary market (it is retained only if the bid is awarded) Transfer to other agent Non-cash operations in foreign currency and fees of the correspondent banks on the settlement flow (aprox. 30 EUR/bank) 0,10%, max. 50 RON 0,10% of the transferred treasury bills value, min. 10 RON Item Commission value Incomings: - in favour of Bancpost clients (commission paid by the beneficiary) - through Eurogiro, in favour of Bancpost clients (commission paid by the beneficiary) 3 EUR - in favour of Bancpost clients (commission paid by the payer) 0,10 %, min. 30 EUR, max. 200 EUR - through Eurogiro, in favour of Bancpost clients (commission paid by the payer) 5 EUR - ordered by and/or in favour of other banks clients, from Romania or abroad 0,20%, min. 20 EUR, max. 200 EUR - through Eurogiro, ordered by and/or in favour of other banks clients, from Romania or abroad 0,15%, min. 10 EUR, max. 200 EUR Investigations initiated by the customer or banks on the settlement flow - for instructions < 6 luni 25 EUR - for instructions > 6 luni 50 EUR Payments (including through Fastbanking) - between the same client s accounts, opened to Bancpost - between Bancpost clients - in favour of other banks clients, from Romania or abroad Bancpost commission 0,25%, min. 25 EUR, max EUR SWIFT charges 10 EUR In case of payments with OUR option, depending on the payment currency, the correspondent banks commissions 30 are: 20 EUR for EUR payments, 20 USD for USD payments or equivalent of 20 EUR for the other currencies, for payments with OUR option in other currencies except EUR and USD, customer s account will also be debited with the fees charged by the banks on the settlement flow, if the case - within EUROBANK Group (Grecia: Eurobank Ergasias): Payments with OUR option are supplementary charged with 5 EUR or 7 USD or: 20 EUR SEK=70; NOK=120; GBP=7; DKK=60; CHF=15; HUF=1.700; JPY=3.000 for payments <= and for payments over ; CAD=20; CZK: 0,15%, min. 500, max within EUROBANK Group (Bulgaria: Eurobank Bulgaria AD, Serbia: Eurobank AD Beograd, Cipru: Eurobank Cyprus Ltd., UK: Eurobank Private Bank Luxemburg SA, Luxemburg: Eurobank Private Bank Luxemburg SA, Ucraina: Public Joint-Stock Company Commercial Bank EUROBANK): Payments with OUR option are supplementary charged with 20 EUR for EUR payments, 20 USD for USD payments or equivalent of 20 EUR for the other currencies Urgent payments based on client s request (same value date (T) or T+1) 35 EUR + payments commission in favour of other banks clients, from Romania or abroad 30 The Bank is entitled to choose correspondent banks with which they work. Fees of correspondent banks are subject to change without notice, with immediate effect; 9/14

10 Urgent payments based on client s request (after cut of time) Cancellation Modifying of orders issued by Bancpost clients (amount, beneficiary s account, beneficiary s name, order cancellation, etc.) and investigations initiated by the customer or banks on the settlement flow Issuing of duplicates for non-cash documents, based on customer request Urgent payments commission + max. 100 EUR/ transaction (negotiable) 25 EUR 25 EUR/operation + commissions and fees of the correspondent banks on the settlement flow (aprox. 30 EUR/bank) Decoding commission Conditional payment orders received/issued (without BNR/TransFonD commissions) 31 Issuing 100 RON 32 + payment commission 33 Endorsement 100 RON 31 Cheques Banking cheques (payments) 0,75%, min. 7 EUR Charges for cheque remittance 15 EUR Counter value cheques settlement 1,50%, min. 15 EUR Refund of unpaid cheques by the foreign banks 15 EUR + charges of the foreign banks OPERATIONS WITH INCASSO, ACREDITIVES, LETTERS OF GUARANTEE, LETTERS OF CONFORT, CONDITIONED PAYMENT ORDERS RECEIVED/ISSUED Incasso Cheque remittance for collection 0,20%, min. 20 EUR, max. 200 EUR 31 of payment cheque remittance 25 EUR 31 Modification 25 EUR 31 Unpaid returned cheque 25 EUR 31 Protest 100 EUR 31 Custody fee 100 EUR 31 Correspondence regarding instructions payment/collection/clarification 25 EUR 31 Release of documents for the goods sent on bank s address (documentary incasso) 0,1%, minim 50 EUR 31 5 EUR 31 The value of these commissions is established unilaterally by NBR/TransFonD; 32 or the equivalent in transaction currency, at NBR exchange rate available on the transaction date; 33 It is applicable the foreign currency payment commissión; 10/14

11 OTHER SERVICES Item Commission value Currencies, financial and banking information (exchange rates, interbanking market interest rates, records requested by the client) Sending documents: - through fax in Romania 7 RON+TVA/page 34 - through fax outside Romania 10 RON+TVA/page 33 - through PRIORIPOST 6,50 RON+TVA/envelope 33 - through C.N.P.R. 2 RON+TVA/simple letter 33 - through C.N.P.R. external postal service - through DHL According to the courier charges Account balances confirmation for auditors, embassies etc. 60 EUR/transaction 37 +VAT Rental of safe boxes: - small box 15 EUR/month + VAT (RONequivalent at BNR rate) - medium box 20 EUR/month + VAT (RONequivalent at BNR rate) - big box 25 EUR/month + VAT (RONequivalent at BNR rate) - very big box 30 EUR/month + VAT (RONequivalent at BNR rate) - Guarantee amount for safe bixes 50 EUR Consulting of CIP BNR data base based on clients request expressed through the territorial units 10 RON/month+VAT Consulting of CIP BNR data base for crossed cheque books issuing to the clients, in order to form the credit file or to complete the account opening file Fastbanking monthly fee currency 36 2,50 RON/month or equiv. in account currency 37 Salary payment fee 5 RON/month 38 Token VIP Fastbanking activation fee 10 EUR 39 FastMobile monthly fee currency 36 4 RON/month or equiv. at NBR exchange rate Guarantee for Token Challenge Fastbanking 30 USD 37 Commission for signatures verification 20 EUR 37 Commission for issuing of good standing letter 50 RON + VAT per document Commission for issuing a document based on specific request of the client 20 EUR equivalent at BNR rate (VAT included) 34 In case of sending the account statements, it is added the commission for account statement issuing; 35 or the equivalent in other currency, at NBR exchange rate; 36 Exception for Eu Salariat package 37 Exception: customers that have salary/other income conventions, a package Eu Salariat, Preferat, Preferat Plus, Senior Activ or a Personal Banking Account have free subscription. 38 Not applicable to the customers with min 1 loan product (non delinquent)/min 1 saving product with balance/min 1 online payement/over 3000 RON in current accounts 39 Or the RON equivalent, at NBR exchange rate available on that day; 11/14

12 VISA Debit Cards (RON) Item VISA Electron 40 VISA Classic* VISA Classic VISA Classic (Prospera)* VISA Premium (Gold) Senior Activ* Fees for card issuing and maintenance Card issuing 3 RON 3 RON 20 RON Card replacement (ex.: lost, stolen, damaged, destroyed, demagnetized) 3 RON 3 RON 20 RON PIN code reissuing RON Card renewal as of validity period expiration Monthly card maintenance fee 1,50 RON/month 41 Commissions for operations Cash withdrawal Cash withdrawal from Bancpost ATM s 42 0,25%, min. 0,50 RON 0,25%, min. 0,50 RON 0,25%, min. 0,50 RON 0,40%, min. 1 RON Cash withdrawal from other banks ATM s/pos s from Romania 0,50% + 2,50 RON 0,50% + 2,50 RON 0,50% + 3 RON 0,50% + 2,50 RON 0,75% + 3 RON Cash withdrawal from other banks ATM s/pos s from outside Romania - 1% + 2 RON, min. 8 RON 1% + 10 RON Payments to merchants Payments to merchants in Romania Payments to merchants outside Romania - Balance inquiry Balance inquiry at ATM Bancpost 0,50 RON/operation Mini-statement of account debit card at ATM Bancpost 1 RON/statement Balance inquiry at other banks ATM s from Romania 1,50 RON/operation Balance inquiry at other banks ATM s from outside Romania - 1,50 RON/operation Utility payments at Bancpost ATM s PIN change at Bancpost ATM s 0,50 RON/operation 0,50 RON/operation Recovery of captured card by other banks from Romania 2,50 15 RON/card Recovery of captured card by other banks from outside Romania USD/card 44 Card blocking in MasterCard/VISA system 60 USD/month/region 41 Copy request from the merchant for solving a complaint 5 RON Unjustified chargeback 30 RON Cardholder inquiry service (international) 7,50 USD 41 *)VISA Classic, VISA Classic Senior Activ, VISA Classic Prospera debit cards retracted from Bank's current offer starting February As of , the Bank is not offering this product; 41 The commission is charged every 4 th day of each calendaristic month, provided the card is valid; if the 4 th day is a non-working day, the commission will be debited the following working day;; 42 For those customers that have a payroll account in Bancpost with debit card attached, based on a signed Convention between the bank and the employer, the value of this commission is that stipulated in the Convention. This rule does not apply to other debit cards attached to the salary account, cards that do not have as owner the holder of the account. For pensioner customers with account type CPPENS, the cash withdrawal fee at ATM Bancpost is zero. 43 If the recovery of the card is made by the merchant, a fee of USD/card is added; 44 equivalent in RON, NBR exchange rate; 12/14

13 MasterCard Debit Cards (RON) Item Maestro 45 MasterCard Standard MasterCard Senior Activ Fees for card issuing and maintenance Card issuing 46 3 RON Card replacement (ex.: lost, stolen, damaged, destroyed, demagnetized) 3 RON PIN code reissuing - Card renewal as of validity period expiration Monthly card maintenance fee Commissions for operations Cash withdrawal Cash withdrawal from Bancpost ATM s 47 0,25% min. 0,50 RON Mini-statement of account debit card at ATM Bancpost 1 RON/statement Cash withdrawal from other banks ATM s/pos s from Romania 0,50%+2,50 RON 0,50% + 3 RON Cash withdrawal from other banks ATM s/pos s from outside Romania 1%+7 RON, min. 12 RON 1% + 2 RON, min. 8 RON Payments to merchants Payments to merchants in Romania Payments to merchants outside Romania Balance inquiry at Bancpost ATM s 0,50 RON/operaton Utility payments at Bancpost ATM s PIN change at Bancpost ATM s 0,50 RON/ operaton Recovery of captured card by other banks from Romania 2,50 15 RON/card Recovery of captured card by other banks from outside Romania EUR/USD/card 49 Copy request from the merchant for solving a complaint 5 RON Unjustified chargeback 30 RON 45 starting 9th of January 2012, debit card retracted from Bank's current offer; 46 of charge for debit cards included in Eu slariat, Favorit, Fantasstic package 47 For customers that have Eu Salariat package, the transactiosn with debit cards included in the package are free of charge. For those customers that have a payroll account in Bancpost with debit card attached, based on a signed Convention between the bank and the employer, the value of this commission is that stipulated in the Convention. For pensioner customers with account type CPPENS, the cash withdrawal fee at ATM Bancpost is zero. This rule does not apply to other debit cards attached to the salary account, cards that do not have as owner the holder of the account. 48 If the recovery of the card is made by the merchant, a fee of EUR/USD/card is added; 49 equivalent in RON, NBR exchange rate 13/14

14 Personal data processing S.C. Bancpost SA processes the personal data of individuals under the provisions of the Law 677/2001, amended to date, for the protection of individuals regarding the processing of personal data and free movement of such data. S.C. Bancpost SA is registered as operator for personal data processing concerning: banking activities - in the Register of the National Supervisory Authority for Personal Data Processing no. 767, according to Law 677/2001, amended to date, referring to the protection of individuals regarding the processing of personal data and free circulation of data; Marketing activities, advertising and publicity - in the Register of the National Supervisory Authority for Personal Data Processing no. 1826, according to Law 677/2001, amended to date, for the protection of individuals regarding the processing of personal data and free movement of such data. Under the requirements of the Law 677/2001, individuals have the right to be informed, the right of access to information, the right to update the data, the right not to be subject to individual decisions, the right to appeal to justice, the right to preclude processing of personal data concerning them and to request deletion of data, except in those cases provided by law when processing is required. To exercise these rights, the bank answers any requests, by application letter (dated, signed, containing personal identification information, including phone number and a legible copy of ID), filed at a network unit or sent to SC Bancpost SA, Boulevard Dimitrie Pompeiu no. 6A, Sector 2, Bucharest. 14/14