Alior Bank S.A. Table of Fees and Commissions for Individual Customers

Transcription

1 Appendix 1 to Decision no. 18/2010 of the Vice President of the Management Board of Alior Bank S.A. managing the Individual Customer Division of March 29 th, 2009 Applicable to: contracts signed from April 1 st, 2010 from the day the contract is signed, 2. contracts signed uptil March 31 st, 2010 from May 1 st, Alior Bank S.A. Table of Fees and Commissions for Individual Customers Applicable to: contracts signed from April 1 st, 2010 from the day the contract is signed, 2. contracts signed uptil April 31 st, 2010 from May 1 st, 2010.

2 Table of contents General provisions... 3 Section I. Current accounts... 4 Section II. Current account debit cards... 7 Section III. Savings accounts... 9 Section IV. Savings accounts debit cards Section V. Credit cards Section VI. Revolving overdraft facility Section VII. Cash loan Section VIII. Megahipoteka (Loan secured on real property) Section IX. Megahipoteka preferential loan secured on real property Section X. Conditional brokerage loan facilities Section XI. Other fees and commissions /20

3 General provisions Alior Bank S.A. Table of Fees and Commissions for Individual Customers, hereinafter referred to as the Table of Fees and Commissions applies to banking activities conducted at the Bank s branches and through Electronic Channels. 2. The term, Bank, used in the Table of Fees and Commissions, shall be understood to mean Alior Bank S.A. The Bank reserves the right to collect additional fees not specified in the Table of Fees and Commissions for services performed on the Customer s request, which are not specified in the Table of Fees and Commissions or for services through third institutions, including: a. Fees and commissions collected by banks and institutions intermediating in the fulfilment of transactions; b. Fees and commissions for telecommunications and postal services; c. Fees and commissions arising from the generally applicable provisions of the law. Fees and commissions are collected: a. After the fulfilment of the service or at the end of the day on which the Customer gave the instructions to perform the services; b. Monthly or in other settlement periods; c. Collectively - for the performance of the service during the settlement period; d. In accordance with the signed agreement. 5. All fees and commissions are collected in arrears after the fulfilment of the service. 6. The fees for holding accounts are collected for a full settlement period. 7. The fees for debit cards are collected for a full settlement period from the date of issue of the card if the card is active or blocked. 8. Fees for SMS messages are collected once a month for the period from the last day of the previous month to the penultimate day of the month. 9. In the event of a cancellation of a transaction through the Customer s fault, the fee for the service is not refunded. 10. The Bank sets the fees and commissions in Polish zlotys. In the case of fees and commissions for transactions conducted in foreign currencies, the Bank converts the zloty rates into foreign currencies using the current exchange rate tables specified in the Alior Bank S.A. Exchange Rate Table. 1 The Bank does not receive deposits or make withdrawals in foreign currencies in coins. Should it be necessary to pay coins, the Bank converts the amount into Polish zlotys and gives the Customer the equivalent of this amount. 12. Cash withdrawals at an amount of more than PLN 15,000 or 2,000 in a foreign currency require that cash be ordered earlier. 1 The amounts of fees and commissions are rounded to the nearest 1 grosz. 1 Transactions at an amount of PLN 1,000,000 or more are conducted through the SORBNET system, with the exception of payments to the Social Insurance Institution and the Tax Office, which, regardless of the transaction amount, are conducted through the ELIXIR system. 15. On the Customer s request, transactions of a value of less than PLN 1,000,000 may be conducted through the SORBNET system, for which the Bank charges a fee in accordance with the Table of Fees and Commissions. 16. Foreign currency transfers to other banks and foreign currency domestic transfers under the normal procedure are treated as foreign transfers. 17. If the beneficiary s bank is located in a country in which all banks accept European transfers or the beneficiary s bank is on the list of other banks, transfers through Internet banking, in EUR, of a maximum amount of EUR 50,000, under the normal procedure, with the SHA cost option flagged, are treated as European transfers. The list of banks accepting European transfers is available at the Alior Bank website. 18. Foreign currency accounts, as well as foreign currency savings accounts are held in the following currencies: CHF, EUR, USD, GBP, as well as AUD, CAD, SEK, DKK, NOK, CZK and RUB. 19. The Bank shall notify the Customer of a change in the Table of Fees and Commissions by post or electronically. A change in the Table of Fees and Commissions is binding on the Customer if he does not terminate the agreement within 30 days of the date on which the Bank provides the information on the change in the Table of Fees and Commissions to him. 20. The Bank reserves the right to make changes to the Table of Fees and Commissions in the event of at least one of the following circumstances arising: a. changes in the level of inflation announced by the Central Statistical Office; b. changes in electricity prices, telecommunications charges, postal service prices and prices of inter-bank settlements; c. changes in the prices of services which the Bank uses in performing individual banking and non-banking activities; d. changes in the provisions of the law, the scope or form of services provided, to the extent to which these changes affect the performance of the provisions of the agreements concluded by and between the Bank and Individual Customers. 2 The Table of Fees and Commissions is not the same as an offer from the Bank. The existence of a specific item in the Table does not obligate the Bank to sell the product / service to which it applies. 22. The Table of Fees and Commissions is available at all of the Bank s branches and through the Electronic Channels. 2 These regulations are generally applicable to all Customers. Different regulations may arise from the agreements concluded with the Bank. 3/20

4 Section I. Current accounts I. CURRENT ACCOUNT PERSONAL ACCOUNT SHOPPING ACCOUNT A. BASIC FEES 1 Opening of the account 4/20 one-off fee upon opening the account PRIVATE BANKING ACCOUNT FOREIGN CURRENCY ACCOUNT 1 PLN 0 PLN 0 to be agreed individually PLN 0 2. Holding the account monthly fee on every account PLN 0 PLN 7 to be agreed individually PLN 0 Fee per SMS message 1 - as confirmation of an event on the account 2 Fee per SMS sent (collected collectively once a month) PLN 0.30 PLN 0.30 PLN 0.30 PLN for authorising instructions Fee per SMS sent PLN 0 PLN 0 PLN 0 PLN 0 B. DOMESTIC TRANSFERS Transfer within the Bank to the Customer s own account through all channels 2. Transfer within the Bank to the third party accounts: at the Branch / Partner Branch (Agency) - oral instructions PLN 0 PLN 0 PLN 0 PLN through the Internet / mobile banking system PLN 0 PLN through phone banking consultant PLN 0 PLN through phone banking IVR PLN 0 PLN 0 Transfer in PLN to another domestic bank: 1 - at the Branch - Elixir per transfer PLN 6 PLN 6 PLN 0 PLN at the Branch / Partner Branch (Agency) - Elixir per transfer PLN 2 PLN 2 PLN at the Branch / Partner Branch (Agency) - Sorbnet < PLN 1 M - at the Branch / Partner Branch (Agency) - Sorbnet PLN 1 M per transfer PLN 30 PLN 30 PLN 15 PLN 30 3 per transfer PLN 15 PLN 15 PLN 10 PLN through Internet banking PLN 0 PLN through phone banking consultant per transfer PLN 5 PLN 5 PLN 0 PLN through phone banking IVR per transfer PLN 3 PLN 3 PLN 0 PLN 3 3 Instructions to open / modify / cancel a standing order 1 - at the Branch / Partner Branch (Agency) per instruction PLN 2 PLN 2 PLN 0 PLN through the Internet / mobile banking system per instruction PLN 0 PLN 0 PLN 0 PLN through phone banking consultant per instruction PLN 2 PLN 2 PLN 2 PLN Fulfilment of a standing order PLN 0 PLN Instructions to open / modify / cancel a direct debit mandate at the Bank s Branch PLN 0 -

5 CURRENT ACCOUNT PERSONAL ACCOUNT SHOPPING ACCOUNT PRIVATE BANKING ACCOUNT FOREIGN CURRENCY ACCOUNT 1 7. Fulfilment of a direct debit mandate PLN 0 - C. FOREIGN TRANSFERS European transfer 4 - electronic transfer to another European Union Member State per transfer PLN 5 PLN 5 PLN 5 PLN 5 2. Foreign transfer 4 fulfilled at the Branch per transfer PLN 50 PLN 50 PLN 40 PLN 50 Foreign transfer 4 through Electronic Channels per transfer PLN 30 PLN 30 PLN 30 PLN 30 Additional fees 1 - for an urgent foreign transfer per transfer PLN 15 PLN 15 PLN 15 PLN for an express foreign transfer per transfer PLN 20 PLN 20 PLN 20 PLN flat rate to cover intermediary bank charges in the case of an OUR cost option (the total cost of the transfer is covered by the customer submitting the instructions) - for erroneously providing the beneficiary s IBAN account number for payments to countries where it is used or a lack of BIC code of the beneficiary s bank. Applies to foreign or European transfers Foreign or European transfer received from a domestic or foreign bank Domestic, foreign or European transfer from a foreign pension / annuity received D. ACCOUNT STATEMENTS / TRANSACTION CONFIRMATIONS Paper statement for the period of 1 month (once a month): sent by standard post (except Customers who have not signed an Agreement on the provision of services offered by the Bank) - collected from the Branch / Partner Branch (Agency) - sent by standard post to Customers who have not signed an Agreement on the provision of services offered by the Bank per transfer PLN 40 PLN 40 PLN 40 PLN 40 per transfer PLN 20 PLN 20 PLN 20 PLN 20 PLN 0 PLN 0 per transfer PLN 80 PLN 80 PLN 80 PLN 80 per statement PLN 5 PLN 5 PLN 5 PLN 5 per statement PLN 5 PLN 5 PLN 5 PLN 5 per statement PLN 0 PLN 0 PLN 0 PLN 0 2. Paper statement for a period longer than 1 month fee per month of statement PLN 5 PLN 5 PLN 5 PLN 5 Statement available through Internet banking for any settlement period fee per month of statement PLN 0 PLN 0 PLN 0 PLN 0 Statement for the period of 1 month sent by 3 per statement PLN 0 PLN 0 PLN 0 PLN 0 5. Confirmation of the fulfilment of a transaction: 5. - in paper form collected from the Branch / Partner Branch (Agency) (except confirmations issued at the time the transaction is conducted) per instruction PLN 5 PLN 5 PLN 5 PLN sent by standard post per instruction PLN 5 PLN 5 PLN 5 PLN 5 6. Current account history printout collected from the Branch / Partner Branch (Agency) per instruction PLN 5 PLN 5 PLN 5 PLN 5 5/20

6 CURRENT ACCOUNT PERSONAL ACCOUNT SHOPPING ACCOUNT E. CASH DEPOSITS / WITHDRAWALS 2. Cash deposits to the Customer s own account at the Branch / Partner Branch (Agency) Cash deposits to a third party account held at the Bank at the Branch / Partner Branch (Agency) PRIVATE BANKING ACCOUNT FOREIGN CURRENCY ACCOUNT 1 fee per deposit PLN 0 PLN 0 PLN 0 PLN 0 fee per deposit PLN 0 PLN 0 PLN 0 PLN 0 Withdrawal from the account at the Bank's till fee per withdrawal PLN 0 PLN 0 PLN 0 PLN 0 Ordering cash fee per order PLN 0 PLN 0 PLN 0 PLN 0 5. Charge for not collecting ordered cash 5. - Polish zloty withdrawal foreign currency withdrawal fee collected on the amount not collected fee collected on the amount not collected 1% 1% 1% 1% 2% 2% 2% 2% 1 The fee for cash transactions applies if till service in the given currency is available at the Branch. 2 The range of notices is defined by the Customer. 3 The fee applies from the moment the service is made available to the Customer. 4 The fee does not apply to payment for instructions to acquire participation units accepted at Alior Bank, on condition that the Bank is the first distributor of the register. 6/20

7 Section II. Current account debit cards II. DEBIT CARDS PERSONAL ACCOUNT DEBIT CARD SHOPPING ACCOUNT DEBIT CARD PRIVATE BANKING ACCOUNT DEBIT CARD FOREIGN CURRENCY ACCOUNT DEBIT CARD A. BASIC FEES Issuance and renewal of the card (to the holder, joint-holder or user) - first card per year and per user 2. - second and following cards per year and per user 2. Issuance of a duplicate card (to the holder, joint-holder or a third party) fee collected at the time of issue / renewal of the card fee collected at the time of issue / renewal of the card PLN 0 PLN 0 PLN 0 PLN 0 PLN 10 PLN 10 PLN 10 PLN first duplicate card per year and per user one-off fee PLN 0 PLN 0 PLN 0 PLN second and following duplicate cards per year and per user Issuance and renewal of a card with an image 1 / card with PayPass functionality (to the holder, joint-holder or user) Issuance or a duplicate card with an image 1 / card with PayPass functionality (to the holder, joint-holder or third party) 5. Card fee one-off fee PLN 10 PLN 10 PLN 10 PLN 10 fee collected at the time of issue / renewal of the card fee collected at the time of issue of the duplicate card PLN 15 PLN 15 PLN 15 PLN 15 PLN 15 PLN 15 PLN 15 PLN basic fee fee collected monthly PLN 5 PLN 5 PLN 5 PLN additional fee fee collected monthly 2 PLN 4 PLN 0 PLN 0 PLN 0 6. Change of PIN 6. - at an ATM one-off fee PLN 1 PLN 1 PLN 1 PLN through Internet banking system/ phone banking one-off fee PLN 0 PLN 0 PLN 0 PLN 0 7. Card dispatch by courier, upon customer s request one-off fee PLN 50 PLN 50 PLN 50 zł PLN 50 B. TRANSACTIONS USING A CARD TO A SAVINGS AND SETTLEMENT ACCOUNT Cash withdrawal: 1 - at the Bank s till per transaction PLN 0 PLN 0 PLN 0 PLN at the Bank s ATMs per transaction PLN 0 PLN 0 PLN 0 PLN at Euronet or Cash4you ATMs per transaction PLN 0 PLN 0 PLN 0 PLN at ATMs of other networks per transaction PLN 0 PLN 5 PLN 0 PLN at ATMs of other domestic banks per transaction PLN 0 PLN 5 PLN 0 PLN at ATMs abroad per transaction PLN 0 PLN 9 PLN 0 PLN at the till of another bank or other institution in Poland per transaction PLN 0 PLN 5 PLN 0 PLN at the till of another bank or other institution abroad per transaction PLN 0 PLN 9 PLN 0 PLN 5 7/20

8 2. DEBIT CARDS PERSONAL ACCOUNT DEBIT CARD SHOPPING ACCOUNT DEBIT CARD PRIVATE BANKING ACCOUNT DEBIT CARD FOREIGN CURRENCY ACCOUNT DEBIT CARD Fulfilment of a "Maestro/MasterCard Cash Back" transaction (cash payment while conducting a non-cash per transaction PLN 0 PLN 0 PLN 0 PLN 0 transaction) 3 C. OTHER CARD FUNCTIONS AT THE BANK'S OWN ATMS Printout of a list of transactions conducted with the card per instruction PLN 1 PLN 1 PLN 1 PLN 1 2. Checking the account balance per instruction PLN 1 PLN 1 PLN 1 PLN 1 1 The renewal or issuance of a duplicate with an image takes place on condition that the given image is still available in the range. 2 The fee does not apply, if: - in a given month, other than the month when the account, for which the card is issued, is opened, a transfer to the account has been made: of salary by the employer, of a scholarship by a school (college / university), of pension by ZUS (Social Insurance Institution); or - in a given month, other than the month when the account, for which the card is issued, is opened, a single transfer of the amount of PLN 2,000 or more or, in case of an account belonging to a student or students (in case of a joint account) under 24 years of age, a single transfer of at least PLN 1,000, has been made from an account held at another bank or from a business account held at Alior Bank; or - in a given month other than the month when the account, for which the card is issued, is opened, the holder or joint-holder of the account holds deposits with a monthly average balance of at least PLN 10,000. The monthly average balance is calculated as a sum of balances (taking into consideration all of the deposits) of all days of a month calculated at the end of each day, divided by the number of days in a given month. The deposits taken into consideration are: standard term deposits, negotiated term deposits, savings accounts, current accounts, participation units in investment funds bought using Alior Bank s services, bank securities issued by Alior Bank; or - account holder or joint-holder of the account for which the card is issued owns credits of an average monthly indebtedness of at least PLN 5,000. Credits taken into consideration are: credit cards, cash loans, revolving overdraft facility and mortgage. The average monthly indebtedness is calculated as a sum of balances (taking into consideration all credits and loans) all days of a month calculated at the end of each day, divided by the number of days in a given month; or - account holder is under 18 years of age. 3 The fee applies to cards issued after May 19 th, /20

9 Section III. Savings accounts III. SAVINGS ACCOUNT A. BASIC FEES Holding the account 2. Fee per SMS message as confirmation of an event on the account 2 monthly fee on every account fee per SMS sent (collected jointly once a month) SAVINGS ACCOUNT IN PLN FOREIGN CURRENCY SAVINGS ACCOUNT 1 PLN 0 PLN 0 PLN 0.30 PLN for authorising instructions fee per SMS sent PLN 0 PLN 0 B. PAYMENTS AND WITHDRAWALS ANY FIRST TRANSACTION IN THE CALENDAR MONTH Transfer within the Bank to the Customer s own current account at the Branch / Partner Branch (Agency) - oral instructions - through the Internet / mobile banking system - through phone banking consultant 4 - through phone banking - IVR 2. Transfer within the Bank to accounts other than the Customer s own savings and settlement account at the Branch / Partner Branch (Agency) - oral instructions - through the Internet / mobile banking system - through phone banking consultant through phone banking - IVR Transfer in PLN to accounts at another bank at the Branch / Partner Branch (Agency) - Elixir - at the Branch / Partner Branch (Agency) - Sorbnet < PLN 1 M - at the Branch / Partner Branch (Agency) - Sorbnet PLN 1 M - through the Internet / mobile banking system - through phone banking consultant per transfer PLN 30 PLN 30 per transfer PLN 15 PLN through phone banking - IVR Withdrawal from the account at the till 5. Transactions with a debit card per withdrawal PLN 0 PLN at the Bank s till 1 per transaction PLN 0 PLN at the Bank s ATMs per transaction PLN 0 PLN at Euronet or Cash4you ATMs per transaction PLN 0 PLN at ATMs of other domestic banks per transaction PLN 5 PLN at ATMs abroad per transaction PLN 9 PLN at the till of another bank or other institution in Poland per transaction PLN 5 PLN 5 - at the till of another bank or other institution abroad per transaction PLN 9 PLN 5 Fulfilment of a "Maestro/MasterCard Cash Back" transaction (cash payment while conducting a non-cash per transaction PLN 0 PLN 0 transaction) Fulfilment of non-cash transactions per transaction PLN 0 PLN 0 1 The fee for cash transactions applies if till service in the given currency is available at the Branch. 2 The range of notices is defined by the Customer. 3 The service is available to holders of cards issued after May 19 th, /20

10 III SAVINGS ACCOUNT FOREIGN TRANSFERS SAVINGS ACCOUNT IN PLN FOREIGN CURRENCY SAVINGS ACCOUNT 1 European transfer 2 - electronic transfer to another European Union Member State per transfer PLN 5 PLN 5 Foreign transfer 2 fulfilled at the Branch per transfer PLN 50 PLN 50 Foreign transfer 2 through Electronic Access Channels per transfer PLN 30 PLN 30 Foreign transfer fulfilled as a part of 3 the Kantor promotion per transfer - PLN Additional fees for an urgent foreign transfer per transfer PLN 15 PLN for an express foreign transfer per transfer PLN 20 PLN flat rate to cover intermediary bank charges in the case of an OUR cost option (the total cost of the transfer is covered by the customer submitting the instructions) - for erroneously providing the beneficiary s IBAN account number for payments to countries where it is used or a lack of BIC code of the beneficiary s bank. Applies to foreign or European transfers Foreign or European transfer received from a domestic or foreign bank Domestic, foreign or European transfer from a foreign pension / annuity received per transfer PLN 40 PLN 40 per transfer PLN 20 PLN 20 per transfer PLN 80 PLN 80 C. PAYMENTS AND WITHDRAWALS ANY SECOND AND SUCCESSIVE TRANSACTION IN THE CALENDAR MONTH Transfer within the Bank to the Customer s own current account at the Branch / Partner Branch (Agency) - oral instructions - through the Internet / mobile banking system - through phone banking consultant per transfer PLN 2 PLN 2 per transfer PLN 1 PLN 1 per transfer PLN 1 PLN through phone banking IVR per transfer PLN 1 PLN 1 2. Transfer within the Bank to accounts other than the Customer s own currrent account at the Branch / Partner Branch (Agency) - oral instructions - through the Internet / mobile banking system - through phone banking consultant per transfer PLN 2 PLN 2 per transfer PLN 1 PLN 1 per transfer PLN 1 PLN through phone banking IVR per transfer PLN 1 PLN 1 Transfer in PLN to accounts in another bank at the Branch / Partner Branch (Agency) - Elixir - at the Branch / Partner Branch (Agency) - Sorbnet < PLN 1 M - at the Branch / Partner Branch (Agency) - Sorbnet PLN 1 M - through the Internet / mobile banking system - through phone banking consultant per transfer PLN 6 PLN 6 per transfer PLN 30 PLN 30 per transfer PLN 15 PLN 15 per transfer PLN 5 PLN 5 per transfer PLN 5 PLN through phone banking - IVR per transfer PLN 5 PLN 5 Withdrawal from the account at the till per withdrawal PLN 5 PLN 5 1 The fee for cash transactions applies if till service in the given currency is available at the Branch. 2 The fee does not apply to payment for instructions to acquire participation units accepted at Alior Bank S.A., on condition that the Bank is the first distributor of the register. 3 Applies to transfers through Internet banking, from an account in CHF, at a maximum amount of CHF 5,000, in the normal procedure, to banks in Poland, with a flagged SHA cost option. 10/20

11 III. SAVINGS ACCOUNT SAVINGS ACCOUNT IN PLN FOREIGN CURRENCY SAVINGS ACCOUNT 1 5. Transactions with a debit card at the Bank s till 1 per transaction PLN 5 PLN at the Bank s ATMs per transaction PLN 5 PLN at Euronet or Cash4you ATMs per transaction PLN 5 PLN at ATMs of other domestic banks per transaction PLN 5 PLN at ATMs abroad per transaction PLN 9 PLN at the till of another bank or other institution in Poland per transaction PLN 5 PLN 5 - at the till of another bank or other institution abroad per transaction PLN 9 PLN 5 Fulfilment of a "Maestro/MasterCard Cash Back" transaction (cash payment while conducting a non-cash per transaction PLN 0 PLN 0 transaction) Fulfilment of non-cash transactions per transaction PLN 5 PLN FOREIGN TRANSFERS European transfer 3 - electronic transfer to another European Union Member State per transfer PLN 5 PLN 5 Foreign transfer 3 fulfilled at the Branch per transfer PLN 50 PLN 50 Foreign transfer 3 through Electronic Access Channels per transfer PLN 30 PLN 30 Foreign transfer fulfilled as a part of the Kantor promotion 4 per transfer - PLN Additional fees 10.1 for an urgent foreign transfer per transfer PLN 15 PLN for an express foreign transfer per transfer PLN 20 PLN flat rate to cover intermediary bank charges in the case of an OUR cost option (the total cost of the transfer per transfer PLN 40 PLN 40 is covered by the customer submitting the instructions) for erroneously providing the beneficiary s IBAN account number for payments to countries where it is used or a lack of BIC code of the per transfer PLN 20 PLN 20 beneficiary s bank. Applies to foreign or European transfers 1 Foreign or European transfer received from a domestic or foreign bank 12. Domestic, foreign or European transfer from a foreign pension / per transfer PLN 80 PLN 80 annuity received 1 The fee for cash transactions applies if till service in the given currency is available at the Branch. 2 The service is available to holders of cards issued after May 19 th The fee does not apply to payment for instructions to acquire participation units accepted at Alior Bank S.A., on condition that the Bank is the first distributor of the register. 4 Applies to transfers through Internet banking, from an account in CHF, at a maximum amount of CHF 5,000, in the normal procedure, to banks in Poland, with a flagged SHA cost option. 11/20

12 III. SAVINGS ACCOUNT D. ACCOUNT STATEMENTS / TRANSACTION CONFIRMATIONS SAVINGS ACCOUNT IN PLN FOREIGN CURRENCY SAVINGS ACCOUNT Paper statement for 1 month (once a month) sent by standard post (except Customers who have not signed an Agreement on the provision of services offered by the Bank) per statement PLN 5 PLN 5 - collected from the Branch / Partner Branch (Agency) per statement PLN 5 PLN 5 - sent by standard post to Customers who have not signed an Agreement on the provision of services offered per statement PLN 0 PLN 0 by the Bank Paper statement for a period longer than 1 month fee per month of statement PLN 5 PLN 5 Statement available through Internet banking for any settlement period fee per month of statement PLN 0 PLN 0 Statement for 1 month sent by e- mail 2 per statement PLN 0 PLN 0 5. Confirmation of the fulfilment of a transaction: in paper form collected from the Branch / Partner Branch (Agency) (except confirmations issued at the time the transaction is conducted) per instruction PLN 5 PLN sent by standard post per instruction PLN 5 PLN 5 6. Account history printout collected from the Branch / Partner Branch (Agency) E. CASH DEPOSITS per instruction PLN 5 PLN 5 Cash deposit per deposit PLN 0 PLN 0 2. Cash deposit to a third party account held at the Bank per deposit PLN 0 PLN 0 Ordering cash per order PLN 0 PLN 0 Fee for not collecting ordered cash - Polish zloty withdrawal 2. - foreign currency withdrawal fee collected on the amount not collected fee collected on the amount not collected 1 The fee for cash transactions applies if till service in the given currency is available at the Branch. 2 The fee applies from the moment the service is made available to the Customer. 1% 1% 2% 2% Section IV. Savings account debit cards IV. SAVINGS ACCOUNT DEBIT CARDS A. BASIC FEES 2. Issuance and renewal of the card (to the holder, joint-holder or user) Issuance of a duplicate card (to the holder, joint-holder or a third party) fee collected at the time of issue / renewal of the card SAVINGS ACCOUNT IN PLN FOREIGN CURRENCY SAVINGS ACCOUNT PLN 0 PLN 0 one-off PLN 0 PLN 0 Card fee per month PLN 3 PLN 3 Change of PIN - at an ATM one-off PLN 1 PLN through Internet banking system/ phone banking Card dispatch by courier, upon customer s request B. OTHER CARD FUNCTIONS AT THE BANK'S OWN ATMS Printout of a list of transactions conducted with the card one-off PLN 0 PLN 0 one-off PLN 50 PLN 50 per instruction PLN 1 PLN 1 2. Checking the account balance per instruction PLN 0 PLN 0 12/20

13 Section V. Credit cards V. CREDIT CARD PROCEDURE FOR MASTERCARD SILVER (SILVER CARD) MASTERCARD GOLD (GOLD CARD) MASTERCARD GOLD SAMOCHODOWA (AUTOMOTIVE CARD) (KARTA SAMOCHODOWA - AUTOMOTIVE CARD) MASTERCARD SILVER LOTNICZA (FLIGHT CARD) (KARTA LOTNICZA - FLIGHT CARD WITH PAYPASS) MASTERCARD GOLD LOTNICZA (FLIGHT CARD) (KARTA LOTNICZA - FLIGHT CARD) MASTERCARD PLATINUM (PLATINUM CARD) A. BASIC FEES Fee for issuing the card one-off PLN 0 PLN 0 PLN 0 PLN 0 PLN 0 to be agreed individually PLN 0 (on condition that transactions are settled for a total amount of at least PLN 15,000 over the previous 12 months) PLN 0 (on condition that transactions are settled for a total amount of at least PLN 30,000 over the previous 12 months) PLN 0 (on condition that transactions are settled for a total amount of at least PLN 30,000 over the previous 12 months) PLN 0 (on condition that transactions are settled for a total amount of at least PLN 20,000 over the previous 12 months) PLN 0 (on condition that transactions are settled for a total amount of at least PLN 30,000 over the previous 12 months) 2. Fee for renewing the card annually PLN 35 (on condition that transactions are settled for a total amount of at least PLN 7,500 over the previous 12 months) PLN 75 (on condition that transactions are settled for a total amount of at least PLN 15,000 over the previous 12 months) PLN 75 (on condition that transactions are settled for a total amount of at least PLN 15,000 over the previous 12 months) PLN 50 (on condition that transactions are settled for a total amount of at least PLN 10,000 over the previous 12 months) PLN 100 (on condition that transactions are settled for a total amount of at least PLN 15,000 over the previous 12 months) to be agreed individually Fee for issuing a card in place of a blocked or closed card Fee for issuing a duplicate card through the Customer s fault PLN 70 PLN 150 PLN 150 one-off PLN 70 PLN 150 PLN 150 PLN 100 PLN 200 PLN 0 one-off PLN 70 PLN 150 PLN 150 PLN 100 PLN 200 to be agreed individually 5 Fee for selecting / changing the card image one-off PLN 10 PLN 10 - PLN 10 PLN Fee for issuing / renewing an additional card annually PLN 20 PLN 40 PLN 40 PLN 50 PLN 50 PLN Fee for issuing a duplicate additional card through the Customer s fault 8. Change of PIN one-off PLN 20 PLN 40 PLN 40 PLN 50 PLN 50 PLN at an ATM one-off PLN 1 PLN 1 PLN 1 PLN 1 PLN 1 PLN through Internet banking system/ phone banking 9. Commission for cash withdrawals from a till at the bank, another institution or an ATM: Alior Bank s and in the Euronet or Cash4You network one-off PLN 0 PLN 0 PLN 0 PLN 0 PLN 0 PLN 0 per withdrawal 3%, min. PLN 5 3%, min. PLN 5 3%, min. PLN 5 3%, min. PLN 5 3%, min. PLN 5 PLN other in Poland and abroad per withdrawal 3%, min. PLN 5 3%, min. PLN 5 3%, min. PLN 5 3%, min. PLN 5 3%, min. PLN 5 PLN Commission for a transfer from a credit card account: through the Internet / mobile / telephone banking system (consultant) per transfer at the Branch / Partner Branch (Agency) per transfer 1 Commission for exceeding the credit limit for every time it is exceeded period for non-cash 2%, min PLN 5(grace period for non-cash period ofor non-cash period for non-cash period for non-cash period for non-cash PLN 100 period for non-cash period for non-cash PLN 200 period for non-cash period for non-cash period for non-cash period for non-cash PLN 45 PLN 45 PLN 45 PLN 45 PLN 45 PLN Fee for SMS notification 1 per notice PLN 0.3 PLN 0.3 PLN 0.3 PLN 0.3 PLN 0.3 PLN Fee for overdue debt maintenance one-off PLN 45 PLN 45 PLN 45 PLN 45 PLN 45 PLN 45 1 Fee for changing the settlement one-off PLN 25 PLN 25 PLN 25 PLN 25 PLN 25 PLN 25 13/20

14 V. CREDIT CARD PROCEDURE FOR 15. Card fee 2 B. ADDITIONAL FEES MASTERCARD SILVER (SILVER CARD) MASTERCARD GOLD (GOLD CARD) MASTERCARD GOLD SAMOCHODOWA (AUTOMOTIVE CARD) (KARTA SAMOCHODOWA - AUTOMOTIVE CARD) MASTERCARD SILVER LOTNICZA (FLIGHT CARD) (KARTA LOTNICZA - FLIGHT CARD WITH PAYPASS) MASTERCARD GOLD LOTNICZA (FLIGHT CARD) (KARTA LOTNICZA - FLIGHT CARD) MASTERCARD PLATINUM (PLATINUM CARD) PLN 5 PLN 5 PLN 5 PLN 5 PLN 5 PLN 0 Fee for issuing a bank reference one-off PLN 50 PLN 50 PLN 50 PLN 50 PLN 50 PLN Card dispatch by courier, upon customer s request C. ACCOUNT STATEMENTS / TRANSACTION CONFIRMATIONS Paper statement for the last settlement sent by standard post (except Customers who have not signed an Agreement on the provision of services offered by the Bank) - collected from the Branch / Partner Branch (Agency) - sent by standard post to Customers who have not signed an Agreement on the provision of services offered by the Bank Paper statement for previous settlement s (except the last ) or additional statement collected from the Branch Statement available through Internet banking for any settlement period Statement sent by 3 5 Confirmation of the settlement of a transaction in paper form collected from the Branch / Partner Branch (Agency) sent by standard post 6. List of transactions conducted by the card user one-off PLN 50 PLN 50 PLN 50 PLN 50 PLN 50 PLN 50 per statement PLN 5 PLN 5 PLN 5 PLN 5 PLN 5 PLN 0 per statement PLN 5 PLN 5 PLN 5 PLN 5 PLN 5 PLN 0 per statement PLN 0 PLN 0 PLN 0 PLN 0 PLN 0 PLN 0 fee per settlement fee per settlement PLN 5 PLN 5 PLN 5 PLN 5 PLN 5 PLN 0 PLN 0 PLN 0 PLN 0 PLN 0 per statement PLN 0 PLN 0 PLN 0 PLN 0 for every Customer instruction for every Customer instruction D. OTHER CARD FUNCTIONS AT THE BANK'S OWN ATMS PLN 0 PLN 0 PLN 0 PLN 0 PLN 5 PLN 5 PLN 5 PLN 5 PLN 5 PLN 0 PLN 5 PLN 5 PLN 5 PLN 5 PLN 5 PLN 0 per statement PLN 5 PLN 5 PLN 5 PLN 5 PLN 5 PLN 0 Checking the account balance at an ATM per instruction PLN 1 PLN 1 PLN 1 PLN 1 PLN 1 PLN 1 1 The range of notices is defined by the Customer. 2 The fee is not collected if a cardholder settled min. 4 non-cash transaction (excluding transfers from the credit card account) using his credit card in current settlement. Fee is calculated for each credit card individually and do not apply for restricted, blocked and closed credit cards. 3 From the moment the service is made available to Customers. 14/20

15 Section VI. Revolving overdraft facility VI. REVOLVING OVERDRAFT FACILITY PERSONAL ACCOUNT SHOPPING ACCOUNT PRIVATE BANKING ACCOUNT A. BASIC FEES Fee for awarding the facility annual fee collected on the amount of the facility 6%, min. PLN 60 6%, min. PLN 60 to be agreed individually 2. Fee for extending the facility for the next period annual fee collected on the amount of the facility 6%, min. PLN 60 6%, min. PLN 60 to be agreed individually Fee for increasing the facility one-off fee collected on the amount of the increase 6%, min. PLN 60 6%, min. PLN 60 to be agreed individually Section VII. Cash loan VII. CASH LOAN Procedure for collection Basic (excluding insurance) with life assurance and with insurance covering loss of employment 1 with life assurance 1 insurance covering loss of employment 2 Fee for reviewing the application one-off PLN 0 PLN 0 PLN 0 PLN 0 2. Arrangement fee for cash loans distributed at the Branch / Partner Branch (Agency)/ via Electronic Channels - for cash loans distributed by Financial intermediaries one-off on the amount of the loan one-off on the amount of the loan 5% 5% 2.5% 2% 4% 4% 4% 4% Fee for the transfer of the amount of the loan to an account at another bank debtsavings and credit union one-off PLN 0 PLN 0 PLN 0 PLN 0 5. Fee for the transfer of the amount of the loan to an account at another bank or cooperative savings and credit union as a part of consolidation or refinancing Fee for issuing a bank reference/ history/ certificate 6. Commission for early repayment one-off PLN 0 PLN 0 PLN 0 PLN 0 one-off PLN 50 PLN 50 PLN 50 PLN 50 - of a loan/ credit of up to 6. one-off PLN 0 PLN 0 PLN 0 PLN 0 PLN 80,000 - of a loan/ credit of over one-off, on the amount of % 5% 5% 5% PLN 80,000 the early repayment 1 Life assurance and insurance covering a loss of employment, in which Alior Bank S.A. is the insurer. 2 Life assurance and insurance covering a loss of employment, in which Alior Bank S.A. is the insurer. In the case of Clients with pensions or annuities, life assurance in which Alior Bank S.A. is the insurer is sufficient to apply the rate. 15/20

16 VII. MAŁA POŻYCZKA VARIANT LEVEL OF FEE / COMMISSION Fee for reviewing the application one-off PLN 0 2. Arrangement fee 5. Fee for the transfer of the amount of the loan to an account at another bank or cooperative savings and credit union Fee for the transfer of the amount of the loan to an account at another bank or cooperative savings and credit union as a part of consolidation or refinancing Fee for issuing a bank reference/ history/ certificate one-off on the amount of the loan 5% one-off PLN 0 one-off PLN 0 one-off PLN 50 VII. POŻYCZKA ELASTYCZNA (FLEXIBLE LOAN) VARIANT 1 A. BASIC FEES LEVEL OF FEE / COMMISSION Fee for reviewing the application one-off set individually 2. Commission for awarding a loan one-off set individually 5. Commission for early partial / full repayment Commission for increasing the amount of the loan Fee for changing the terms and conditions of the agreement other than specified in the ToF&C one-off one-off set individually Note! The fee does not apply to loans encompassed by the Consumer Credit Act set individually one-off PLN Fee for issuing a loan promise one-off set individually, min. PLN 100 B. ADDITIONAL FEES Fee for issuing a bank reference/ history/ certificate 1 For specific groups of customers. one-off PLN 50 Note! The fee does not apply to certificates on the level of interest paid for presentation to the Tax Office and the issuance of certificates on the level of co-financing obtained 16/20

17 Section VIII. Megahipoteka (Loan secured on real property) VIII. MEGAHIPOTEKA A. BASIC FEES LEVEL OF FEE / COMMISSION Fee for reviewing the application one-off PLN 0 2. Commission for awarding a loan one-off set individually, no more than 5% Commission for converting the currency of a loan one-off 1% on the amount of the conversion Commission for early partial / full repayment one-off 5% on the amount of the early repayment, min. PLN 100 (within 3 years of the date of payout of the loan) Note! The fee does not apply to loans encompassed by the Consumer Credit Act 5. Commission for increasing the amount of the loan one-off set individually, no more than 5% 6. Fee for changing the terms and conditions of the agreement other than specified in the ToF&C one-off PLN Fee for issuing a loan promise one-off PLN 100 B. ADDITIONAL FEES Fee for issuing a bank reference/ history/ certificate one-off PLN 50 Note! The fee does not apply to certificates on the level of interest paid for presentation to the Tax Office Section IX. Megahipoteka preferential loan secured on real property IX. MEGAHIPOTEKA PREFERENTIAL LOAN A. BASIC FEES LEVEL OF FEE / COMMISSION Fee for reviewing the application one-off PLN 0 2. Commission for awarding a loan one-off set individually, no more than 5% Commission for early partial / full repayment one-off 5% on the amount of the early repayment, min. PLN 100 (within 3 years of the date of payout of the loan); 0% in other cases Note! The fee does not apply to loans encompassed by the Consumer Credit Act Commission for increasing the amount of the loan one-off set individually, no more than 5% 5. Fee for changing the terms and conditions of the agreement other than specified in the ToF&C one-off PLN Fee for issuing the a loan promise one-off PLN 100 B. ADDITIONAL FEES Fee for issuing letters of the nature of certificates one-off PLN 50 Note! The fee does not apply to certificates on the level of interest paid for presentation to the Tax Office and the issuance of certificates on the level of co-financing obtained 17/20

18 Section X. Conditional brokerage loan facilities X. CONDITIONAL BROKERAGE LOAN FACILITIES A. FOR PURCHASING SECURITIES ON THE PRIMARY MARKET LEVEL OF FEE / COMMISSION Commission for awarding a loan facility one-off 0% 2. Commission for starting-up a loan facility, specified each time in the Loan Offer one-off max. 3% Commission for extending the loan facility for a further 12 months one-off 0% Commission for increasing the loan facility B. FOR PURCHASING SECURITIES ON THE SECONDARY MARKET one-off on the amount of the increase Commission for awarding a loan facility one-off 1% 2. Commission for starting up a loan facility one-off 0% Commission for extending the loan facility for a further 12 months one-off 1% Commission for increasing the loan facility one-off on the amount of the increase 5. Fee for issuing a bank reference/ history/ certificate one-off PLN 50 0% 1% 18/20

19 Section XI. Other fees and commissions XI. OTHER FEES / COMMISSIONS Preparation and postage of a reminder (reminder or demand) - standard letter LEVEL OF FEE / COMMISSION one-off PLN Preparation and postage of a registered letter one-off PLN 40 Declaration on the continuation of an agreement / withdrawal of termination one-off PLN 40 Understanding / annex to a loan agreement one-off PLN One-off cost of obtaining an extract from the land and mortgage register by the Bank in the event that it is not delivered by the Customer Unit cost of establishing mortgage security by the Bank in the event that the Customer fails to establish it. Commission for fulfilling an enforcement seizure from the Customer s account one-off one-off PLN 75 + the land and mortgage registry costs specified by the court with jurisdiction PLN land and mortgage registry costs specified by the court with jurisdiction, transfer tax for submitting the application to the land and mortgage register per withdrawal PLN Inspection of real property one-off PLN Fee for valuing security one-off According to the costs defined by the valuer 10. Credit card account type change 1 one-off PLN 50 1 Fee for cash deposits to an account held at another bank 2 / account held at Alior Bank belonging to a third party at a Branch one-off 0.5%, min. PLN at a Partner Branch (Agency) one-off 1%, min. PLN Ordering cash per order PLN 0 1 Charge for not collecting ordered cash 1 - Polish zloty withdrawal fee collected on the amount not collected 1% foreign currency withdrawal fee collected on the amount not collected 2% 1 Change in conditions / invalidation of instructions submitted before fulfilment 4 one-off PLN Change in the terms and conditions of instructions submitted after fulfilment of the transaction by Alior Bank up to 1 month in one-off PLN 50 + actual costs of the foreign bank arrears Change in the terms and conditions of instructions submitted after fulfilment of the transaction by Alior Bank from 1 to 3 months in one-off PLN actual costs of the foreign bank arrears Cancellation / refund of the instructions fulfilled by the bank 4 one-off PLN actual costs of the foreign bank 18. Autodealing service 18. Activation of the service one-off PLN Monthly subscription Fee for arranging, preparing and providing information, including information constituting a bank secret, to a court bailiff acting in accordance with the Banking Law of August 29 th, 1997 Fee for arranging, preparing and providing information, including information constituting a bank secret, to an authorised receiver Fee for the investigation due the Bank's receivables by third-party debt collection monthly (the fee is collected once regardless of the number of accounts held) one-off (payable by the court bailiff) one-off (payable by the receiver) one-off on the amount of the debt PLN 7 PLN 100 PLN 100 4%-15% 1 The change is only available for selected credit card account types 2 Applies to till transactions conducted in Polish zlotys (the Bank does not accept deposits in foreign currencies). 3 The fee does not apply to owners of current and savings accounts held at Alior Bank depositing money into accounts of the same kind. 4 Applies to foreign transfer and European transfer. 5 The fee is not collected from Private Banking account holders. 19/20

20 Section XII. Credit cards insurance XII. CREDIT CARDS INSURANCE A. ASSISTANCE 1 2. Assisance provided by Sopockie Towarzystwo Ubezpieczeń Ergo Hestia SA for Cardholders Assistance provided by Mondial Assistance International AG S.A. Główny Oddział w Polsce Pakiet Bezpieczna Karta Link4 Pakiet Bezpieczna Karta Link4 Assistance Pakiet Bezpieczna Karta Link4 informacja prawna B. LIFE INSURANCE 2. Life insurance provided by Sopockie Towarzystwo Ubezpieczeń na życie Ergo Hestia SA for cards issued till 31st October Life insurance provided by Sopockie Towarzystwo Ubezpieczeń na życie Ergo Hestia SA for Silver Cards and Gold Cards issued from 1st November Life insurance provided by Sopockie Towarzystwo Ubezpieczeń na życie Ergo Hestia SA for Flight Cards with PayPass, Flight Cards, Automotive Cards and Platinum Cards issued form 1st November Life insurance provided by Towarzystwo Ubezpieczeń na Życie Cardif Polska SA for Silver Cards issued for Clients migrated from HSBC Bank Polska SA C. OTHER TYPES OF INSURANCE 2. Insurance Ubezpieczenie spłaty salda zadłużenia na wypadek utraty pracy lub czasowej niezdolności do pracy provided by Sopockie Towarzystwo Ubezpieczeń Ergo Hestia for cards issued till 31st October Insurance Ubezpieczenie spłaty salda zadłużenia na wypadek utraty pracy lub czasowej niezdolności do pracy provided by Sopockie Towarzystwo 2009Ubezpieczeń Ergo Hestia SA for cards issued from 1st November 1 Insurance Ubezpieczenie spłaty salda zadłużenia na wypadek utraty pracy lub czasowej niezdolności do pracy w Sopockim Towarzystwie Ubezpieczeń Ergo Hestia SA for Flight Cards with PayPass, Flight Cards, Automotive Cards and Platinum Cards issued form 1st November Insurance Ubezpieczenie czasowej niezdolności do pracy, trwałej i całkowitej niezdolności do pracy, poważnego zachorowania provided by Cardif Assurances Risques Divers Polska S.A. Oddział w Polsce for Silver Cards issued for Clients migrated from HSBC Bank Polska SA LEVEL OF INSURANCE PREMIUM 0 zł 0 zł 0 zł 0 zł 0,25% of the balance for the last day of settlement 0 zł 0,2662% of the balance for the last day of settlement 0 zł 0,05% of the balance for the last day of settlement PLN 0 0,0338% of the balance for the last day of settlement 1 Not applicable for Alior Bank MasterCard Silver cards issued for Clients migrated from HSBC Bank Polsa SA 20/20