Table of commissions and fees for bank services rendered to Individuals (pursuing no business activity)

Transcription

1 Table of commissions and fees for bank services rendered to Individuals (pursuing no business activity) dated 1 April 2015

2 Table of commissions and fees for bank services rendered to Individuals (pursuing no business activity) Page 2 of 26 Table of Contents Part I Accounts and daily banking 3 Chapter I Personal accounts 3 Konto Dobrze Dobrane /Well Suited Account/ 3 Accounts for Employees' Loan and Benefit Funds (PKZP), Parents Councils and School Savings Funds (SKO) 6 Chapter II Savings Account Offering 7 Chapter III Other commissions and fees related to accounts and daily banking services 8 Chapter IV Accounts withdrawn from the sale 10 Personal Account: S Package 10 Personal Account: M Package 11 Personal Account: L Package Personal Account: XL Package Savings Accounts 13 Part II Other commissions and fees common for all Customers 14 Part III Credit Cards and Prepaid Cards 16 Chapter I Fees and commissions applicable to credit cards issued by BNP Paribas Bank Polska SA 16 Chapter II Fees and commissions applicable to prepaid cards issued by BNP Paribas Bank Polska SA 19 Part IV Overdraft facilities, cash loans and car loans 20 Chapter I Basic Commissions and Fees 20 Chapter II Other Commissions and Fees 22 Chapter III Credit products offered via external sales network 22 Part V Mortgage Loans and Home Equity Loans 23 Chapter I Basic Commissions and Fees 23 Chapter II Other Commissions and Fees 23 Part VI Rules for charging fees and commissions common for all Customers 25 Chapter I General Provisions 25 Chapter II Rules for charging fees and commissions regarding foreign currency operations 26 Chapter III Specific rules related to charging of selected fees and commissions 26 scan 2/

3 Table of commissions and fees for bank services rendered to Individuals (pursuing no business activity) Page 3 of 26 Part I Chapter I Accounts and daily banking Personal accounts Konto Dobrze Dobrane /Well Suited Account/ I. Basic fees for products and services available under Konto Dobrze Dobrane offer Accounts Opening of a PLN personal account PLN 0 PLN 0 if the personal account is credited monthly with at least PLN 1,000, PLN personal account maintenance fee (monthly) PLN 9 if the personal account is credited monthly with less than PLN 1,000, (excluding receipts originating from loan disbursements, Term Deposits and Accounts held by the Account Holder and maintained by BNP Paribas Bank Polska SA) Opening of a foreign currency account PLN Maintenance of a foreign currency account (monthly) Debit cards PLN 0 5. Issuance of a MasterCard debit card PLN 0 6. Usage of a MasterCard debit card (monthly) Customer has not activated the Money-back service: PLN 0 if: a customer has an issued credit card, which is not stopped (except for the situation when a debit card is issued to a joint account), or value of non-cash transactions made with a debit card monthly amounts to at least PLN 200 or Customer has activated the Moneyback service: PLN 6 regardless of non-cash transactions value and a fact of holding a credit card PLN 6 if: value of non-cash transactions made with a debit card monthly amounts to less than PLN Issuance of a MasterCard Gold debit card PLN 0 a) basic fee: PLN 9 8. Usage of a MasterCard Gold debit card (monthly) b) additional fee; Customer has not activated the Money-back service: PLN 0 if: a customer has an issued credit card, which is not stopped (except for the situation when a debit card is issued to a joint account), or value of non-cash transactions made with a debit card monthly amounts to at least PLN 200 or PLN 6 if: value of non-cash transactions made with a debit card monthly amounts to less than PLN 200 Customer has activated the Moneyback service: PLN 6 regardless of non-cash transactions value and a fact of holding a credit card If a customer has activated the Moneyback service, the additional fee is collected jointly with the basic fee. 9. Issuance, at the Customer's request, of a MasterCard debit card to replace any other active MasterCard debit card held Electronic Access Channels PLN Access to the Pl@net internet banking system PLN 0 1 Access to Mobile Pl@net - Mobile Banking PLN 0 1 Access to the Call Centre PLN 0 1 Access to the Customer Service Contact Centre PLN 0 scan 3/

4 Table of commissions and fees for bank services rendered to Individuals (pursuing no business activity) Page 4 of 26 Insurance Szybka Pomoc Dom /Quick Help House/ (monthly) PLN 7.50 Szybka Pomoc Zdrowie /Quick Help Health/ 15. (monthly) Szybka Pomoc Dziecko /Quick Help Child/ 16. (monthly) Secure Card insurance scope A (accrued monthly for each debit card covered by the insurance) Secure Card insurance scope B (accrued monthly for each debit card covered by the insurance) 19. Fee for a Safe Travel insurance (accrued monthly for each debit card covered by the insurance) PLN 7.50 PLN 7.50 PLN 0 PLN 1 for MasterCard debit card (PLN 0 when the card was issued to ikonto, i.e. the Konto Dobrze Dobrane opened via the Internet) PLN 0 for MasterCard Gold debit card PLN 9.99 II. Commissions and fees for cash withdrawals from own accounts in PLN MasterCard debit card and a MasterCard debit card issued to ikonto (Konto Dobrze Dobrane opened via the Internet) Bank s own ATMs PLN 0 Other ATMs in Poland ATMs abroad 4. ATMs of BNP Paribas group entities abroad PLN 0 2 Using a MasterCard Gold debit card 5. Bank s own ATMs PLN 0 6. Other ATMs in Poland PLN 0 7. ATMs abroad PLN 0 in the Bank's branch 8. 3 in the Bank's branch PLN 0 PLN 0 - first 4 withdrawals a month PLN 3 - the 5th and subsequent withdrawals a month (In the case of changing the S, M, L or XL Package into 'Konto Dobrze Dobrane', the counter of freeof-charge withdrawals from ATMs takes into account transactions made at the beginning of the month, in which the change was made.) 3%, (min. PLN 7.00) III. Commissions and fees for bank transfers Branch Pl@net Mobile Pl@net Call Centre Bank-o-Phone service Internal transfer 1 (in PLN and a foreign currency) PLN 0 PLN 0 PLN 0 PLN 0 PLN 0 PLN domestic transfer from a PLN account into an 2 account maintained by another bank PLN 5 PLN 0 PLN 0 PLN 3 PLN 0 5 SEPA credit transfer Cross-border transfer in PLN or in a foreign currency, and a domestic transfer in a foreign currency (in 4. 3 the event the payer covers costs of intermediary banks, or when all costs are covered by a payee, see Part I, Chapter III, item VIII, sections 2 and 3) 0.35% of the order amount (minimum PLN 60.00; max. PLN ) 0.20% of the order amount (minimum PLN 30.00; max. PLN ) IV. Commissions and fees for standing orders Branch Pl@net Mobile Pl@net Call Centre Bank-o-Phone service Creation and change of a standing order PLN 0 PLN 0 - PLN 0 - Standing order cancellation PLN 0 PLN 0 - PLN 0 - Standing order (each time a transaction is effected) PLN 0 1 Fees included in this point do not concern Customers, that agreed Insurance Policy after Commissions charged for cash withdrawals from ATMs of BNP Paribas group entities abroad will be reimbursed to the Customer's account in the following settlement month. scan 4/

5 Table of commissions and fees for bank services rendered to Individuals (pursuing no business activity) Page 5 of 26 V. Direct Debit Accepting, changing and cancelling a consent for a direct debit PLN 0 Effecting a direct debit between accounts maintained in branches of BNP Paribas Bank Polska SA PLN 0 Debiting the Account Holder's account with the direct debit amount PLN 0 ikonto - Konto Dobrze Dobrane opened via the Internet (other commissions and fees are the same as for the standard Konto Dobrze Dobrane) Issuance of a MasterCard debit card to ikonto Konto Dobrze Dobrane opened via the Internet Use of a MasterCard debit card to ikonto Konto Dobrze Dobrane opened via the Internet (monthly) PLN 0 PLN 0 if: a customer has an issued credit card, which is not stopped (except for the situation when a debit card is issued to a joint account), or value of non-cash transactions made with a debit card monthly amounts to at least PLN 200 or PLN 6 if: value of non-cash transactions made with a debit card monthly amounts to less than PLN 200 Konto Dobrze Dobrane for customers under 18 years of age (other commissions and fees are the same as for the standard Konto Dobrze Dobrane) PLN personal account maintenance fee (monthly) PLN 0 Usage of a MasterCard debit card (monthly) Customer has not activated the Money-back service: PLN 0 if there are at least 4 non-cash transactions made with a debit card a month PLN 6 if there are less than 4 non-cash transactions made with a debit card a month Customer has activated the Moneyback service: PLN 6 irrespective of the number of non-cash transactions. Konto Dobrze Dobrane for customers under 25 years of age (other commissions and fees are the same as for the standard Konto Dobrze Dobrane) PLN personal account maintenance fee (monthly) PLN 0 scan 5/

6 Table of commissions and fees for bank services rendered to Individuals (pursuing no business activity) Page 6 of 26 Accounts for Employees' Loan and Benefit Funds (PKZP), Parents Councils and School Savings Funds (SKO) I. General fees and commissions Opening and maintenance of an Account for Employees' Loan and Benefit Fund (PKZP) (monthly) Opening and maintenance of an Account for Parents Council (monthly) 6.50 Opening and maintenance of an Account for School Savings Fund (SKO) (monthly) Opening of a foreign currency account Maintenance of a Foreign Currency Account Fee for using a Visa/ MasterCard debit card (monthly) Access to the Call Centre Access to the Customer Service Contact Centre Access to the Pl@net internet banking system Secure Card insurance fee scope A II. Commissions and fees for withdrawals and payments in PLN (PLN accounts) Branch Bank s own ATMs and Euronet ATMs in Poland debit card Other ATMs in Poland debit card ATMs abroad debit card Cash 1 withdrawal %, (min. 5.00) Cash payments into own bank accounts Cash payments into bank accounts maintained by 2 BNP Paribas Bank Polska SA in favour of individuals III. Commissions and fees for bank transfers Internal transfer (in PLN and a foreign currency) PLN domestic transfer from a PLN account into an account maintained by other bank, using a standard form Cross-border transfer in PLN or in a foreign currency, and a domestic transfer in a foreign currency (in the event the payer covers costs of intermediary banks, or when all costs are covered by a payee, see Part I, Chapter III, item VIII sections 2 and 3) %, (min. PLN 7,00)/PLN 0 4 Branch Pl@net Call Centre Bank-o-Phone service % of the order amount (minimum PLN 60.00; max. PLN ) 0.20% of the order amount (minimum PLN 30.00; max. PLN ) SEPA credit transfer IV. Commissions and fees for standing orders Branch Pl@net Call Centre Bank-o-Phone service Creation and change of a standing order Standing order cancellation Standing order (each time a transaction is effected) 50 3 Fee does not concern Customers that agreed Insurance Policy after Applies to withdrawals from ATMs of BNP Paribas group entities abroad Commissions charged for cash withdrawals from ATMs of BNP Paribas group entities abroad will be reimbursed to the Customer's account in the following settlement month. scan 6/

7 Table of commissions and fees for bank services rendered to Individuals (pursuing no business activity) Page 7 of 26 Chapter II Savings Account Offering I. Konto Dobrze Oszczędnościowe /Well Savings Account/ Well Savings Account opening and maintenance 0.00 Internal bank transfer in PLN - Branch 0.00 Internal bank transfer in PLN - Pl@net, Mobile Pl@net 0.00 II. Sejf (Safe) and Euro Sejf (Euro Safe) Savings Accounts 4. Opening and maintenance of Sejf savings account Opening and maintenance of Euro Sejf savings account Cash withdrawal Cash payment into "Sejf" and "Euro Sejf" savings accounts 0.00 COMMISSIONS AND FEES FOR BANK TRANSFERS IF THE CUSTOMER SIMULTANEOUSLY HOLDS A PERSONAL ACCOUNT, COMMISSIONS AND FEES FOR BANK TRANSFERS Branch Pl@net EFFECTED FROM "SEJF" AND "EURO SEJF" ACCOUNTS ARE THE SAME AS FOR TRANSFERS FROM THE PERSONAL ACCOUNT. 8. Internal bank transfer (in PLN or a foreign currency) PLN domestic transfer from a PLN account into an account maintained by another bank Cross-border transfer in PLN or in a foreign currency, and a domestic transfer in a foreign currency (in the event the payer covers costs of intermediary banks, or when all costs are covered by a payee, see Part I, Chapter III, item VIII sections 2 and 3) 0.35% of the order amount (minimum PLN 60.00; max. PLN ) 1 SEPA credit transfer % of the order amount (minimum PLN 30.00; max. PLN ) III. Individual Pension Account (IKE) Maintenance of an Individual Pension Account (IKE) 0.00 Transfer withdrawals: a) effected to another financial institution within 12 months since the signing of the Individual Pension Account (IKE) agreement b) effected to IKE BNP PARIBAS FIO, maintained by TFI BNP Paribas Polska SA 0.00 Withdrawals of reimbursements: effected before the saver has acquired the tax exemption right, within 12 months of the signature of the Individual Pension Account (IKE) agreement scan 7/

8 Table of commissions and fees for bank services rendered to Individuals (pursuing no business activity) Page 8 of 26 Chapter III Other commissions and fees related to accounts and daily banking services 5 I. Other accounts Foreign Currency Account if a customer does not hold any Personal account Opening of a foreign currency account Maintenance of a Foreign Currency Account (monthly) 0.00 Cash withdrawals from own bank accounts Internal bank transfer (in PLN and a foreign currency) Cross-border transfer in PLN or in a foreign currency, and a domestic transfer in a foreign currency (in the event the payer covers costs of intermediary banks, or when all costs are covered by a payee, see Part I, Chapter III, item VIII sections 2 and 3) 6. SEPA credit transfer Pl@net: Term Deposit Account 7. Opening and maintenance of deposit accounts 0.00 Stock Investor s Account 8. Opening of a Stock Investor s Account Maintenance of a Stock Investor s Account (monthly) 0.00 Securities Account 10. Opening of a Securities Account Maintenance of a Securities Account (monthly fee) 0.00 Trust and Escrow Accounts 1 Branch: 0.35% of the order amount (minimum PLN 60.00; max. PLN ) Pl@net: 0.20% of the order amount (minimum PLN 30.00; max. PLN ) A fee for opening and maintenance of a Trust Account or an Escrow Account depends on the contract value and is payable in advance for each commenced quarter of the Account Agreement term: when the contract value is lower than or equal to PLN 500, %, (min ) when the contract value exceeds PLN 500,000 II. Bank account statement and history Monthly bank account statement in an electronic form provided in the Pl@net system 0.00 Monthly bank account statement in an electronic form sent to an address 0.00 Monthly bank account statement in a paper form made available once a month and collected at the Bank Unit Monthly bank account statement in a paper form sent to a mailing address Monthly bank account statement in a paper form sent to a mailing address in addition to a statement in an electronic form Bank account history for the previous month for Customers who withdrew from being sent account statements and their receipt in the Pl@net system or collection at the Bank Unit 7. Bank account history or repeat account statement (for each page) For obtaining information (on password) regarding account balances by telephone (monthly) (offered until 14 June 2009) III. Confirmation of Instructions effected Confirmation of effecting an oral Instruction, delivered in a paper form at the Bank Unit, immediately after effecting the Instruction Confirmation of an effected Instruction, delivered in a paper form at the Bank Unit in other cases 5.00 Confirmation of an effected transfer, delivered in an electronic form in the Pl@net system Confirmation of an effected Instruction, delivered by fax IV. Notification about a justified refusal to effect an Instruction Notification about a refusal to effect an Instruction, delivered in the Pl@net system 0.00 Notification about a refusal to effect an Instruction, sent to an address if the Customer has not initiated the Pl@net system Notification about a refusal to effect an Instruction, sent via SMS to a mobile telephone number if the Customer has not initiated the Pl@net system 4. Notification about a refusal to effect an Instruction, provided by phone to be negotiated XL Packages customers other customers Fees specific to Holders of particular Packages are presented in Chapter I Part I of the Table. scan 8/

9 Table of commissions and fees for bank services rendered to Individuals (pursuing no business activity) Page 9 of 26 V. Cash withdrawals in the Bank s branch Cash withdrawals from own accounts maintained in a foreign currency 0.00 VI. Cash payments in the Bank's branch made in favour of the Bank's customers Cash payments into own accounts maintained in PLN 0.00 Cash payments into own accounts maintained in a foreign currency 0.00 Cash payments into bank accounts maintained by BNP Paribas Bank Polska SA in favour of individuals in PLN Cash payments into bank accounts maintained by BNP Paribas Bank Polska SA in favour of individuals in a foreign currency Cash payments into bank accounts maintained by BNP Paribas Bank Polska SA in favour of Entrepreneurs in PLN or in a foreign currency Cash payments into accounts at other banks in PLN or in a foreign currency, including remittance abroad (crossborder money transfer) Cash payments into accounts maintained by BNP Paribas Bank Polska SA and other banks in Poland in PLN or in a foreign currency in favour of: a) for the benefit of charities (e.g. as a donation) b) for the benefit of entities with whom the Bank has concluded relevant agreements VII. Domestic transfers in PLN other fees Domestic transfer in PLN from a non-pln account into an account held with another domestic bank %, (min. 5.00) 0.50 %, (min. 5.00) 0.00 Domestic transfer in PLN from a PLN account and non-pln account into an account held with another bank through the SORBNET system of the value: a) higher than or equal to PLN 1,000, b) lower than PLN 1,000,000 ordered at a branch Cancelling a transfer at the payer's request (if possible) after its receipt by the Bank, and prior to sending an order Cancelling an outgoing transfer at the payer's request after sending an order The fee is not charged for giving an incorrect bank account number if the Bank has not recovered the customer's transfer amount. Explanation of payment details, confirmation of debiting the payee's account and providing other explanations on payments at the Customer's request (The fee is not charged if an error on the side of BNP Paribas Bank Polska SA has been found.) Return of a domestic transfer in PLN via ELIXIR, sent to the recipient bank, if due to reasons beyond BNP Paribas Bank Polska SA control (e.g. incorrect account number, transfer into a closed account and other reasons). Administering the Account Holder s payments (for each day, for each payment in addition to the fee for the service) it does not apply to instructions accepted after the ELIXIR session with the execution date falling on the next business day VIII. Transfers in foreign currencies and cross-border transfers in PLN - other fees Expedited transfer from any type of a bank account Additional fee for an outgoing transfer if the costs of intermediary banks are covered by the payer OUR Charging Option The fee is charged to the payer. Transfer from any type of a bank account if the costs of BNP Paribas Bank Polska SA and intermediary banks are covered by the payee BEN Charging Option. The fee is charged to the payee. 4. Posting an incoming cross-border transfer Fee for additional actions related to outgoing transfer orders that do not comply with STP standard (see Part VI, Chapter I, item 13) Data correction or cancellation of an outgoing transfer at the payer's request (if possible) after its receipt by the Bank, and prior to sending a telecommunications order. 7. Correction of data of an outgoing transfer at the payer's request after sending a telecommunications order Cancelling an outgoing transfer at the payer's request after sending a telecommunications order. The commission is not charged when a transfer is ordered in a currency of EU Member States or member states of the European Free Trade Association (EFTA) - a party to the agreement on the European Economic Area in turnover with those countries - in the case an incorrect bank account number is given if the Bank in this situation has not recovered the transfer amount. Return of a transfer sent to the recipient bank, if due to reasons beyond BNP Paribas Bank Polska SA control (e.g. incorrect account number, transfer into a closed account and other reasons) Explanation of details of outgoing or received payments, confirmation of debiting the payee's account and providing other explanations on payments at the Customer's request The fee is charged if a contact with the third bank is required. The fee for actions specified in sections 6 10 is not charged if an error on the side of BNP Paribas Bank Polska SA has been found. IX. Direct Debit Accepting, changing and cancelling a consent for a direct debit 0.00 Effecting a direct debit between accounts maintained in branches of BNP Paribas Bank Polska SA 0.00 Debiting the Account Holder's account with the direct debit amount X. VISA debit card (offered until 1 November 2012) / MasterCard debit card Fee for issuing a new card to replace a card that had been stopped 0.00 Commission on non-cash transactions % of the order amount (minimum PLN ; max. PLN ) 0.15 % of the order amount (min. PLN 50.00; max. PLN ) 0.35 % of the order amount (minimum PLN 60.00; max. PLN ) , not more than 50% of the transfer amount + actual costs of the third bank, if any , not more than 50% of the transfer amount + actual costs of the third bank, if any , not more than 50% of the transfer amount + actual costs of the third bank, if any , not more than 50% of the transfer amount + actual costs of the third bank, if any scan 9/

10 Table of commissions and fees for bank services rendered to Individuals (pursuing no business activity) Page 10 of 26 Fee for generating a new PIN code Fee for an express delivery of a card or PIN to the Bank's branch Fee for finding and sending a copy of a document confirming the transaction execution Fee for a Secure Card insurance package scope B (accrued monthly for each debit card covered by the insurance) Fee for a Safe Travel insurance (accrued monthly for each debit card covered by the insurance) XI. Payments deposited by persons other than the Bank's customers PLN cash payment into accounts in other banks to pay for services related to household functioning or settlement of daily fees, including fees for energy, gas, water, waste disposal, etc. PLN cash payment into accounts in other banks other than to pay for services related to household functioning or settlement of daily fees, including fees for energy, gas, water, waste disposal, etc. Cash payments into accounts at other banks in a foreign currency, including remittance abroad (cross-border money transfer) 0.50 %, (min. 5.00) not available not available Chapter IV Accounts withdrawn from the sale Personal Account: S Package 8 I. Basic fees for products and services available under the S Package (OFFERED BY THE BANK UNTIL 31 MARCH 2014) Monthly fee for products and services covering: Opening and maintenance of a PLN personal account Issuing and using a Visa debit card (offered until 1 November 2012) / MasterCard debit card 1 Access to the Call Centre / Customer Service Contact Centre Access to the Pl@net internet banking system Access to Mobile Pl@net - Mobile Banking Secure Card Insurance scope A 00 3 Opening of a foreign currency account Maintenance of a Foreign Currency Account 0.00 II. Commissions and fees for withdrawals and payments in PLN (PLN accounts) Cash withdrawals from own 1 bank accounts Cash payments into own bank accounts Cash payments into bank accounts maintained by BNP 2 Paribas Bank Polska SA in favour of individuals Branch III. Commissions and fees for bank transfers Internal transfer 5. 1 (in PLN and a foreign currency) PLN domestic transfer from a 6. 2 PLN account into an account maintained by another bank Cross-border transfer in PLN or in a foreign currency, and a domestic transfer in a foreign currency (in the event 7. 3 the payer covers costs of intermediary banks, or when all costs are covered by a payee, see Part I, Chapter III, item VIII, sections 2 and 3) Bank s own ATMs Euronet ATMs in Poland debit card Other ATMs in Poland debit card ATMs abroad debit card %, (min. 5.00) 3%, (min. PLN 7,00)/PLN Branch Pl@net Mobile Pl@net Call Centre Bank-o-Phone service % of the order amount (minimum PLN 60.00; max. PLN ) 0.20% of the order amount (minimum PLN 30.00; max. PLN ) SEPA credit transfer IV. Commissions and fees for standing orders Branch Pl@net Call Centre Bank-o-Phone service 6 Fee does not concern Customers that agreed Insurance Policy after Fee does not concern Customers that agreed Insurance Policy after Also refers to the customers of the 'Impreza' and 'Spoko' Packages, which have been renamed to: S Package. 9 Applies to withdrawals from ATMs of BNP Paribas group entities abroad Commissions charged for cash withdrawals from ATMs of BNP Paribas group entities abroad will be reimbursed to the Customer's account in the following settlement month. scan 10/

11 Table of commissions and fees for bank services rendered to Individuals (pursuing no business activity) Page 11 of Creation and change of a standing order Standing order cancellation Standing order (each time a transaction is effected) 0.50 Personal Account: M Package 10 I. Basic fees for products and services available under the M Package 11 (OFFERED BY THE BANK UNTIL 31 MARCH 2014) Monthly fee for products and services covering: Opening and maintenance of a PLN personal account Access to the Call Centre / Customer Service Contact Centre Access to the Pl@net internet banking system Access to Mobile Pl@net - Mobile Banking Secure Card Insurance scope A 8.50 Issuing and using a Visa debit card (offered until 1 November 2012) / MasterCard debit card (monthly) 4.00 Opening of a foreign currency account Maintenance of a Foreign Currency Account 0.00 II. Commissions and fees for withdrawals and payments in PLN (PLN accounts) Branch Bank s own ATMs debit card Euronet ATMs in Poland debit card Other ATMs in Poland debit card ATMs abroad debit card Cash withdrawal Cash payments into own bank accounts Cash payments into bank accounts maintained by BNP Paribas Bank Polska SA in favour of individuals III. Commissions and fees for bank transfers Internal transfer (in PLN and a foreign currency) PLN domestic transfer from a PLN account into an account maintained by another bank Cross-border transfer in PLN or in a foreign currency, and a domestic transfer in a foreign currency (in the event the payer covers costs of intermediary banks, or when all costs are covered by a payee, see Part I, Chapter III, item VIII sections 2 and 3) %, (min. PLN 7,00)/PLN 0 12 Branch Pl@net Mobile Pl@net Call Centre Bank-o-Phone service % of the order amount (minimum PLN 60.00; max. PLN ) 0.20% of the order amount (minimum PLN 30.00; max. PLN ) SEPA credit transfer IV. Commissions and fees for standing orders Branch Pl@net Call Centre Bank-o-Phone service Creation and change of a standing order Standing order cancellation Standing order (each time a transaction is effected) Also refers to the customers of the 'Komfort' and 'Pogoda' Packages and the offer of an Account for Non-resident in PLN, which have been renamed to: M Package. 11 Customers who signed the M Package agreement before 27 May 2013, have access to assistance services within the Package. 12 Applies to withdrawals from ATMs of BNP Paribas group entities abroad Commissions charged for cash withdrawals from ATMs of BNP Paribas group entities abroad will be reimbursed to the Customer's account in the following settlement month. scan 11/

12 Table of commissions and fees for bank services rendered to Individuals (pursuing no business activity) Page 12 of 26 Personal Account: L Package 13 I. Basic fees for products and services available under the L Package 14 (OFFERED BY THE BANK UNTIL 31 MARCH 2014) Monthly fee for products and services covering: Opening and maintenance of a PLN personal account Issuing and using a Visa debit card (offered until 1 November 2012) / MasterCard debit card Access to the Call Centre / Customer Service Contact Centre Access to the Pl@net internet banking system Access to Mobile Pl@net - Mobile Banking Secure Card Insurance scope A Opening of a foreign currency account Maintenance of a Foreign Currency Account 0.00 II. Commissions and fees for withdrawals and payments in PLN (PLN accounts) Branch Bank s own ATMs and Euronet ATMs in Poland debit card Other ATMs in Poland debit card ATMs abroad debit card Cash withdrawal %, (min. PLN 7,00)/PLN 0 15 Cash payments into own bank accounts Cash payments into bank accounts maintained by BNP Paribas Bank Polska SA in favour of individuals III. Commissions and fees for bank transfers Internal transfer (in PLN and a foreign currency) PLN domestic transfer from a PLN account into an account maintained by another bank Cross-border transfer in PLN or in a foreign currency, and a domestic transfer in a foreign currency (in the event the payer covers costs of intermediary banks, or when all costs are covered by a payee, see Part I, Chapter III, item VIII sections 2 and 3) Branch Pl@net Mobile Pl@net Call Centre Bank-o-Phone service % of the order 0.20% of the order amount amount (minimum PLN 60.00; (minimum PLN 30.00; max. PLN ) max. PLN ) SEPA credit transfer IV. Commissions and fees for standing orders Branch Pl@net Call Centre Bank-o-Phone service Creation and change of a standing order Standing order cancellation Standing order (each time a transaction is effected) Also refers to the customers of the Gold, Silver and 'Sukces' Packages, E-package and the Standard offer, which have been renamed to: L Package. 14 Customers who signed the L Package agreement before 27 May 2013, have access to assistance services within the Package. 15 Applies to withdrawals from ATMs of BNP Paribas group entities abroad Commissions charged for cash withdrawals from ATMs of BNP Paribas group entities abroad will be reimbursed to the Customer's account in the following settlement month. scan 12/

13 Table of commissions and fees for bank services rendered to Individuals (pursuing no business activity) Page 13 of Personal Account: XL Package 16 I. Basic fees for products and services available under the XL Package 17 (OFFERED BY THE BANK UNTIL 31 MARCH 2014) Monthly fee for products and services covering: Opening and maintenance of a PLN personal account Issuing and using a Visa debit card (offered until 1 November 2012) / MasterCard debit card Opening and maintenance of a foreign currency account Access to the Call Centre / Customer Service Contact Centre Access to the Pl@net internet banking system Access to Mobile Pl@net - Mobile Banking Secure Card Insurance scope A Automatic Overnight Deposit to be negotiated Quarterly fee applicable to packages opened until 14 June 2009 II. Commissions and fees for withdrawals and payments in PLN (PLN accounts) Branch Bank s own ATMs and Euronet ATMs in Poland debit card / 0.00 if the assets value is equal to or higher than PLN 100, Other ATMs in Poland debit card ATMs abroad debit card Cash withdrawal ) / PLN 0 19 Cash payments into own bank accounts Cash payments into bank accounts maintained by BNP Paribas Bank Polska SA in favour of individuals III. Commissions and fees for bank transfers Internal transfer (in PLN and a foreign currency) PLN domestic transfer from a PLN account into an account maintained by another bank Cross-border transfer in PLN or in a foreign currency, and a domestic transfer in a foreign currency (in the event the payer covers costs of intermediary banks, or when all costs are covered by a payee, see Part I, Chapter III, item VIII sections 2 and 3) Branch Pl@net Mobile Pl@net Call Centre Bank-o-Phone service % of the order amount (minimum PLN 60.00; max. PLN ) 0.20% of the order amount (minimum PLN 30.00; max. PLN ) SEPA credit transfer IV. Commissions and fees for standing orders Branch Pl@net Call Centre Bank-o-Phone service Creation and change of a standing order Standing order cancellation Standing order (each time a transaction is effected) Savings Accounts Konto WIĘCEJ oszczędnościowe (MORE saving account), Konto BARDZO oszczędnościowe (VERY saving account) and Savings Account MORE saving account opening and maintenance (offered by the Bank until 31 March 2014) VERY saving account opening and maintenance (offered by the Bank until 10 May 2012) 00 (0.00 until 18 March 2015) 00 (0.00 until 18 March 2015) 16 Also refers to the customers of the Platinum Package and Platinum Premium Package, which have been renamed to: XL Package. 17 Customers who signed the XL Package agreement before 27 May 2013, have access to assistance services within the Package. 18 The package fee is not charged with respect to: A) clients who maintain, on average, an asset balance of minimum PLN 100,000 on their accounts and within savings and investment products at BNP Paribas Bank Polska SA. Such an average asset balance is calculated based on the asset balances at the end of the month within three calendar months that precede the month when the package fee collection is scheduled. B) clients who have a loan with BNP Paribas Bank Polska SA and assets of minimum PLN are exempt from paying the package fee over the loan repayment term and within 3 months after the credit obligations repayment. 19 Applies to withdrawals from ATMs of BNP Paribas group entities abroad Commissions charged for cash withdrawals from ATMs of BNP Paribas group entities abroad will be reimbursed to the Customer's account in the following settlement month. scan 13/

14 Table of commissions and fees for bank services rendered to Individuals (pursuing no business activity) Page 14 of 26 Savings Account opening and maintenance 00 (offered by the Bank until 4 November 2010) (0.00 until 18 March 2015) 4. Internal bank transfer in PLN - Branch Internal bank transfer in PLN - Pl@net, Mobile Pl@net 0.00 Part II Other commissions and fees common for all Customers I. Pl@net internet banking system Single notification via SMS 0.20 Single notification via Free of charge SMS authorisation codes Free of charge 4. Delivery of a private key carrier (USB cryptographic device or smart card) Fee for sending a starting package, a USB cryptographic device or a smart card by a registered mail 6. Fee for sending a starting package, a USB cryptographic device or a smart card by courier II. Cheque service Confirmation of a settlement or cash cheque (per each cheque) For collection of: a) settlement or cash cheques (the fee is charged for acceptance of a cheque for collection) Free of charge according to the actual costs (fee paid upon the mail receipt) 0.50% of the cheque value (minimum PLN 30.00; max. b) foreign currency cheques (commission is charged at cashing the cheque) PLN ) Additionally, at collection of cheques in foreign currencies, fee on account of commissions and up to the actual fee charged by foreign banks fees of foreign intermediary banks Collection of bank cheques issued by banks holding a LORO account with BNP Paribas Bank Polska SA in favour of the Customers of BNP Paribas Bank Polska SA and drawn onto BNP Paribas Bank Polska SA, likewise other cheques whose coverage has been paid in advance into an account held with BNP Paribas Bank Polska SA: a) Cheques in PLN b) Cheques in foreign currencies 0.50% of the cheque value (min. PLN 20.00; max. PLN ) 4. Refusal to cash a foreign currency cheque (e.g. a bounced check). according to the actual costs incurred (minimum 50.00) III. Bills of Exchange service PLN bills of exchange (presenting the bills for payment, submitting for protest, collection of a bill of exchange etc.). Fee for submitting foreign currency bills of exchange for payment (the ordering bank is charged with the expense) % of the bill amount (minimum 50.00) Fee for protest of foreign currency bills at actual costs incurred + PLN IV. Safe deposit box rental size: up to 13x24x36 cm size: not smaller than 13x24x36 cm Daily (up to 7 days inclusive) Monthly (8 days or more) V. Safekeeping of valuables or documents Accepting valuables or documents for safekeeping upon the Customer s order For safekeeping valuables or documents upon the Customer s order: a) daily 00 b) monthly VI. Custody services 20 Safekeeping of securities traded on the regulated market: 21 a) Shares 0.12% p. a. b) Bonds 0.04% p. a. c) Treasury bonds 0.03% p. a. Safekeeping of securities that are not traded on the regulated market to be negotiated Fee for settlement of a transaction concluded by the agency of a brokerage house Fee for settlement of a transaction concluded on the interbank market 0.003% of the transaction value 20 The Table of Fees and Commissions for Rendering Custody Services: a) does not include costs incurred by the Bank for safekeeping and settlement of transactions at the National Depository for Securities (Krajowy Depozyt Papierów Wartościowych SA), and other settlement institutions and brokerage houses, to be debited to the Client at dates and in amounts specified in the Tables of Fees and Commissions applied by those Institutions. b) Commission rates may be subject to negotiations down to minimum values. c) The commission rates for the safekeeping of securities include VAT. 21 Fees for safekeeping of securities shall be calculated and charged monthly, based on the market value of the securities portfolio as at the last business day of each month or as at the date of closing the account. The following formulas shall be used to calculate the portfolio value: a) Shares: market value as of a last business day of a month x commission rate / 12 b) Debt securities: nominal value x commission rate / 12 scan 14/

15 Table of commissions and fees for bank services rendered to Individuals (pursuing no business activity) Page 15 of Portfolio transfer on each security type VII. Foreign exchange transactions Foreign currency purchase: a) USD and EUR (banknotes) 1 % of the amount b) Other currencies (banknotes) 2 % of the amount c) All currencies in loose change 60 % of the amount equivalent in coins Sale of a foreign currency, in the following cases: a) USD and EUR (banknotes) 1 % of the amount b) Other currencies (banknotes) 2 % of the amount c) All currencies in loose change 60 % of the amount equivalent in coins VIII. MultiCash (offered until 14 June 2008) Monthly fee for using the MultiCash system PLN bank transfer into an account held with another bank 00 SEPA Credit Transfer 0.20% (min , max ) 4. Fee for processing an inquiry of a creditor, BNP Paribas Bank Polska SA Customer, about: a) new account number of a debtor, another bank s Customer, 00 b) consent for debiting the account of a debtor, another bank s Customer 00 The fee is charged to the creditor making the inquiry. 5. Placing a direct debit order by a creditor, regarding an account maintained by another bank Fee for additional actions related to payment orders that do not comply with STP standard (see Part VI, Chapter I, item 13) Additional service work neither directly connected with an incorrect functioning of the MultiCash system nor resulting from the Bank s fault: a) Visit of a service specialist, per each commenced hour of work b) Additional training at a client s office, or PLN per hour c) A training course 6 hours IX. Non-standard services Preparing, at the Customer s request, bank certificates and other documents related to the service of credit products Preparing copies, confirmations and accounting documents, photocopies or duplicates of a document (for each document) Accepting an Account Holder s instruction/ declaration or its modifications concerning disposal of the deposit in case of his/her death 4. Issuing a certificate that entitles to transfer foreign currency abroad Accepting and executing or modifying instructions with respect to putting a hold on funds deposited on accounts to secure agreements concluded by Account Holders (not applicable to agreements to which BNP Paribas Bank Polska SA is a party) 6. Putting or cancelling a hold on account at the Customer s request in situations not related to securing the account against unauthorised transaction or access to it by unauthorised persons Granting or modifying a power of attorney to administer funds deposited or/and interest on an Free of charge account 8. Accepting a power of attorney to administer the bank account for banks servicing the parties to Free of charge loan agreements 9. The first written reminder or request for payment on account of a past due loan instalment repayment, past due fees or debit balance, including unauthorised balance, sent as a part of debt collection services for a given product, against or without acknowledgement of receipt. 10. The second and subsequent written reminders or requests for payment on account of a past due loan instalment repayment, past due fees or debit balance, sent within debt recovery services for a given product, not earlier than after 14 days of the previous reminder sending date and not more often than once a month, preceded by the following debt recovery actions (whose costs have also been included in the fee: telephone contact (twice), sms (three times), vms (once), provided that: - the number of sent reminders or requests for payment on account of a past due loan instalment repayment, past due fees or debit balance, in the debt recovery process of a given customer does not exceed 6 (together with the first reminder) and - the second and subsequent written reminders or requests for payment may be sent only in the case the subsequent payment is not made by the customer. 1 Fee for an execution transfer on account of alimony For providing information within the scope authorised by the Banking Law Act and other legal provisions: The Bank shall collect the fee from the payer for preparing, drawing up and passing on information covered by banking secrecy to duly authorised people, bodies and institutions, unless the entity is statutorily exempt from fees (under Article 110 of the Banking Law Act). X. Assistance Insurance 22 Insurance scope like in the XL Package (monthly fee) The Assistance insurance product was offered until 24 May 201 scan 15/

16 Table of commissions and fees for bank services rendered to Individuals (pursuing no business activity) Page 16 of 26 XI. Bill Protection Insurance 23 1 Option I (monthly fee) 200 Option II (monthly fee) Part III Credit Cards and Prepaid Cards Customers who purchased VISA Gold or Visa Platinum credit cards and Visa debit cards before 15 June 2009 are exempt from paying commissions on cash withdrawals using VISA debit cards from ATMs in Poland and abroad 24. Chapter I Fees and commissions applicable to credit cards issued by BNP Paribas Bank Polska SA I. Fees applicable to credit cards 1 MasterCard Classic card Main card Standard fee in PLN Additional card Card issuance fee Annual fee for using the card (charged on each card issuance anniversary) The condition for exemption from the annual fee for using the card is the settlement of cash or non-cash transactions made by the card within the previous 12 monthly settlement cycles, in the minimum amount of: 2 Special offer for MasterCard Classic card 25 The fee will be reimbursed to the card account providing that within three months of the Agreement conclusion, cash or non-cash transactions are settled for the minimum amount of PLN 1, The fee will be reimbursed to the card account providing that within three months of the Agreement conclusion, cash or non-cash transactions are settled for the minimum amount of PLN , , Annual fee for card issuance 0.00 Annual fee for using the card (charged on each card issuance anniversary) The condition for exemption from the annual fee for using the card is the settlement of cash or non-cash transactions made by the card within the previous 12 monthly settlement cycles, in the minimum amount of: 3 MasterCard Sport Card Annual fee for card issuance Annual fee for using the card (charged on each card issuance anniversary) The condition for exemption from the annual fee for using the card is the settlement of cash or non-cash transactions made by the card within the previous 12 monthly settlement cycles, in the minimum amount of: 4 MasterCard Duo card The fee will be reimbursed to the card account providing that within three months of the Agreement conclusion, cash or non-cash transactions are settled for the minimum amount of PLN , , The fee will be reimbursed to the card account providing that within three months of the Agreement conclusion, cash or non-cash transactions are settled for the minimum amount of PLN 1, The fee will be reimbursed to the card account providing that within three months of the Agreement conclusion, cash or non-cash transactions are settled for the minimum amount of PLN , , Annual fee for card issuance Annual fee for using the card (charged on each card issuance anniversary) The Bill Protection Insurance was withdrawn from the offer from The fee is applicable to cards issued by Fortis Bank Polska SA (present name: BNP Paribas Bank Polska SA) before the date of the legal merger with Dominet Bank SA. 25 The special offer applies to promotions made available by the Bank and includes cards issued under a concluded agreement on Car Loan and Credit Card or on Cash Loan and Credit Card or on a Loan (pożyczka) and Credit Card. Rules applied to promotional campaigns will be set forth in the documents regulating promotion principles. scan 16/

17 Table of commissions and fees for bank services rendered to Individuals (pursuing no business activity) Page 17 of 26 5 MasterCard Gold card Annual fee for card issuance Annual fee for using the card on each card issuance anniversary) (charged The condition for exemption from the annual fee for using the card is the settlement of cash or non-cash transactions made by the card within the previous 12 monthly settlement cycles, in the minimum amount of: 6 Special offer for MasterCard Gold card The fee will be reimbursed to the card account providing that within three months of the Agreement conclusion, cash or non-cash transactions are settled for the minimum amount of PLN The fee will be reimbursed to the card account providing that within three months of the Agreement conclusion, cash or non-cash transactions are settled for the minimum amount of PLN , , Annual fee for card issuance 0.00 Annual fee for using the card (charged on each card issuance anniversary) The condition for exemption from the annual fee for using the card is the settlement of non-cash transactions made by the card within the previous 12 monthly settlement cycles, in the minimum amount of: 7 MasterCard BNP Paribas World Elite (World Signia) card (only in the offering for Prestige Customers) The fee will be reimbursed to the card account providing that within three months of the Agreement conclusion, cash or non-cash transactions are settled for the minimum amount of PLN 1, , , Annual fee for card issuance Annual fee for using the card (charged on each card issuance anniversary) CARDS WITHDRAWN FROM THE OFFERING Standard fee Fee for the L Package Customers 8 Visa / MasterCard Standard cards (offered until 11 September 2011) Annual fee for issuing and using the card Annual fee for issuing and using an additional card Visa Glamour card (offered until 11 September 2011) Annual fee for issuing and using the card Annual fee for issuing and using an additional card Visa Classic card (offered until 1 November 2012) Fee for the XL Package Customers Annual fee for issuing and using the card /39.00 Annual fee for issuing and using an additional card / Visa Gold card (offered until 01 November 2012) Annual fee for issuing and using the card / Annual fee for issuing and using an additional card /75.00 Visa Gold card with Traveller Package (offered until 01 November 2012) Annual fee for issuing and using the card / Annual fee for issuing and using an additional card / Visa Platinum card (offered until 01 November 2012) Annual fee for issuing and using the card Annual fee for issuing and using an additional card Visa Platinum card with Traveller Package (offered until 1 November 2012) Annual fee for issuing and using the card / / Annual fee for issuing and using an additional card / / The special offer applies to promotions made available by the Bank. Rules applied to promotions will be set forth in the documents regulating promotion principles. scan 17/

18 Table of commissions and fees for bank services rendered to Individuals (pursuing no business activity) Page 18 of MasterCard Gold card with Traveller Package (offered until 17 November 2014) Annual fee for issuing and using the card (for cards issued until 01 November 2012) Annual fee for issuing and using the card (for cards issued from 2 November 2012 onwards) Annual fee for issuing and using an additional card (for cards issued until 01 November 2012) Annual fee for issuing and using an additional card (for cards issued from 02 November 2012 onwards) 14 Promotion "Pay with a card, don't pay for a card It applies to cards withdrawn from sale: Card type / / Standard fees for the issuance and use of cards specified below are not charged providing that cash or non-cash transactions made by the card within the previous 12 monthly settlement cycles, are settled in the minimum amount of (in PLN): Main card Additional card Visa Standard, MasterCard Standard, Visa Classic, Visa Foto, Visa Glamour 10, , Visa Gold 36, , Visa Platinum 60, , II. Credit Card Insurance Offer 28 Standard cards (non-embossed) Classic embossed cards MasterCard Duo Gold embossed cards Platinum cards (embossed) MasterCard Sport Standard insurance 1 Secure card insurance scope A Free of charge Free of charge Free of charge Free of charge (for all credit cards) 2 Secure Card insurance scope B (monthly fee) Free of charge Free of charge 3 BNP Paribas Security (fee charged monthly on the debt 0.37% 0.37% 0.28% 0.20% amount at the end of the card settlement period) 29 4 Fortis Security (fee charged monthly on the debt amount at 0.37% 0.37% 0.28% 0.20% the end of the card settlement period) 30 5 Finlife Secure Card 0.25% 0.25% not applicable not applicable (fee charged monthly on the debt amount at the end of the card settlement period) 31 Additional insurance 1 Safe Travel (monthly fee) Free of charge not applicable III. Other commissions and fees applicable to credit cards Commission on non-cash transactions Free of charge cash withdrawals from Bank's own ATMs 50 cash withdrawals from all ATMs in Poland and abroad 4 %, (min ) 4. Cash withdrawals from ATMs of BNP Paribas group entities abroad fee for generating a new PIN code Fee for the skip payment service Free of charge 7. Fee for the automated debt repayment service Free of charge 8. Fee for issuing a new card to replace a card that had been stopped Free of charge 9. Fee for a credit limit change Free of charge 10. Fee for card type change during the life of the Agreement Fee for an express delivery of a card or PIN to the Bank's Branch Fee for emergency cash withdrawal abroad (applicable to Gold and Platinum cards only) Equivalent of USD Fee for issuing a replacement card abroad (applicable to Gold and Platinum cards only) Equivalent of USD Fee for preparing and sending a copy of a document confirming the transaction execution The offer was applicable to cards issued by Fortis Bank Polska SA (present name: BNP Paribas Bank Polska SA) before the date of the legal merger with Dominet Bank SA, to Platinum Premium Package customers, who changed the Package into the XL Package. 28 Fees included in this point do not concern Customers that agreed Insurance Policy after The BNP Paribas Security insurance applies to credit cards issued under agreements signed after 15 February Fortis Security insurance applies to the credit cards issued until 15 February 2010 and then renewed under the Card Agreements. 31 "Finlife-Secure Card insurance applies to the Cards issued by Dominet Bank SA on the basis of applications submitted until 21 October 2007 and then renewed by Fortis Bank Polska SA (present name: BNP Paribas Bank Polska SA) after the legal merger. 32 A difference between the commission actually charged and the commission specified in the Table of Commissions and Fees for cash withdrawals from ATMs of BNP Paribas group entities abroad, will be reimbursed to the Customer's card account in the following settlement month. scan 18/

19 Table of commissions and fees for bank services rendered to Individuals (pursuing no business activity) Page 19 of Fee for preparing a transactions specification and sending it by regular mail once a month Fee for preparing a specification of transactions and sending it to the address free of charge Fee for preparing a copy of a transactions specification Fee for each use of the Priority Pass card Equivalent amount of EUR 24 (per person) IV. Bill Protection Insurance 34 Option I (monthly fee) 200 Option II (monthly fee) Chapter II Fees and commissions applicable to prepaid cards issued by BNP Paribas Bank Polska SA I. MasterCard prepaid card Annual fee for issuing and using the card Standard MasterCard II. Other Commissions and Fees Cash withdrawals from Bank's own ATMs free of charge Other cash withdrawals in Poland and abroad 4%, (min ) Cash withdrawals from ATMs of BNP Paribas group entities abroad PLN Commission on non-cash transactions free of charge 5. Fee for issuing a new card to replace a card that had been stopped free of charge 6. fee for generating a new PIN code Fee for preparing and sending a copy of a document confirming the transaction execution 8. Secure Card Insurance scope A 36 free of charge III. Commissions and fees for bank transfers Branch Pl@net Internal bank transfer in PLN - Free of charge PLN domestic transfer into an account maintained by another bank The fee is charged when the Cardholder receives a specification of transactions by electronic means free of charge, and additionally requests a specification of transactions in a paper form. 34 The Bill Protection Insurance was withdrawn from the offer from Commissions charged for cash withdrawals from ATMs of BNP Paribas group entities abroad will be reimbursed to the Customer's account in the following settlement month. 36 Fee do not concern Customers that agreed Insurance Policy after Personal account holders (referred to in Chapter I or Chapter IV) according to the Package chosen. scan 19/

20 Table of commissions and fees for bank services rendered to Individuals (pursuing no business activity) Page 20 of 26 Part IV Overdraft facilities, cash loans and car loans Other administrative fees (e.g. for issuing certificates, references, document duplicates) are presented in Part II Chapter X of the Table of Commissions and Fees. Chapter I Basic Commissions and Fees Product / fee: Konto Dobrze Dobrane /Well Suited Account/ S Package and M Package I. Overdraft facility within savings and checking (ROR) account Current account (ROR) overdraft management fee Granting the facility, increase of the facility amount or renewal of the facility L Package and XL Package Standard variant % of the loan amount/ increased amount minimum % of the renewal amount Monthly fee variant (PLN 1,000 to PLN 5,000) % of the facility amount/renewal amount/increase amount Upfront fee Fee for a monthly fee variant monthly Change of the variant in Konto Dobrze Dobrane /Well Suited Account/ 0.00 (change into a monthly fee variant) 0% of the new limit amount, minimum (change into the Standard variant) - - 0% of the facility amount/renewal amount/increase amount Product / fee: I. Classic Cash Loan, Extra Cash Loan S Package, M Package L Package, XL Package and Konto Dobrze Dobrane /Well Suited Account/ Processing the application free of charge free of charge Upfront fee 0.0% % of the loan amount 0.0% % of the loan amount Prepayment fee (for prepayment of the entire or part of the loan) 38 PLN 0 PLN 0 4. Monthly operational fee for the Loan service PLN 0 PLN 0 II. Car loans - Flexible Car Loan for one's personal needs, Car Loan for the purchase of a vehicle at an authorised car dealer, Loan with a grace period for vehicle purchase at an authorised car dealer Fee for loan application processing free of charge free of charge Upfront fee 0% % 0% % 4. Prepayment fee (repayment of the entire or part of the loan) 24 PLN 0 PLN 0 Loan amount increase (if any inconsistency of the borrower s data or documents and representations made by borrowers 5.0% of the increase amount 5.0% of the increase amount with the actual situation is identified, the Bank may min min reimburse the fee accepted, but only upon deduction of costs in the amount not lower than PLN 200) 5. Monthly operational fee for the Loan service PLN 0 PLN 0 38 The fee shall be applied to loan agreements concluded after the effective date of the Consumer Credit Act of 12 May 2011 (Journal of Laws of 2011, No. 126, item 715 as amended), i.e. after 18 December 201 The fees is charged if: 1) if the repayment falls within a period for which the loan interest rate is fixed, and 2) the loan amount repaid during 12 (twelve) subsequent months is higher than three times the average remuneration in the enterprise sector, as published by the President of the Central Statistical Office in the Monitor Polski, the Official Journal of the Republic of Poland, from December preceding the loan repayment year. scan 20/