EXTRACT FROM THE SERVICE CHARGE LIST FOR PRIVATE CUSTOMERS

EXTRACT FROM THE SERVICE CHARGE LIST FOR PRIVATE CUSTOMERS Accounts, cards, payments and account information Valid from 14 Dec 2015 ACCOUNTS CURRENT ACCOUNT Monthly fee for Danske Account 2.00 Current Account for 0-17 -olds 0.00 (Young Current Account) - The Young Current Account also includes a Master- Card Debit card SAVINGS ACCOUNT and GOLDEN PIGLET ACCOUNT Monthly fee for the Savings Package 0.00 2 withdrawals/account transfers free of charge per month - Other withdrawals/account transfers each 1.80 (As of 1 April 2016 2.00) DANSKE TARGET ACCOUNT 10 withdrawals/account transfers free of charge per calendar DANSKE SAFETY ACCOUNT 5 withdrawals/account transfers free of charge per calendar DANSKE BENEFIT ACCOUNT Monthly fee for Benefit Account 0.00 If funds are withdrawn from the Benefit Account, no interest is paid for the month in which the withdrawal was made, or the month in which the account is closed. DANSKE HARVEST ACCOUNT 5 withdrawals/account transfers free of charge per calendar - Other withdrawals/account transfers each 2.00 RETURN ACCOUNT (part of the base Package for Depositor) 2 withdrawals/account transfers free of charge per month RESOURCES ACCOUNT (off sale) 2 withdrawals/account transfers free of charge per calendar DEPOSIT ACCOUNT (off sale) 4 withdrawals free of charge per calendar - Others each 6.00 edeposit ACCOUNT (off sale) 2 account transfers in ebanking free of charge per month, others each 6.00 SMART ACCOUNT (off sale) No fees, but if a withdrawal is made from the account or the account is closed, that month interest rate is half of The European Central Bank base rate. CUSTOMER PACKAGES (Not for sale) EXTENSIVE PACKAGE (not for sale) Monthly fee for the Extensive Package 10 000 1.00 50 000 2.90 BASIC PACKAGE (not for sale) Monthly fee for the Basic Package 10 000 2.00 50 000 4.90 CURRENT ACCOUNT PACKAGE (not for sale) Monthly fee for the Current Account Package 10 000 2.00 50 000 4.40 Customers under 26 s (youth benefit 100%) 0.00 * Savings and investments to take into account 1) all euro-denominated deposits with Danske Bank, 2) the market value of investments in mutual funds managed by Danske Invest Fund Management, 3) the market value of investment and retirement insurances managed by Mandatum Life and taken out from Danske Bank,

Page 2 / 5 4) the remaining capital of the bonds in custody accounts in Danske Bank, 5) the market value of publicly traded stocks in Danske Bank s custody accounts. The discount is based on the lowest total of the month. If the customer package is prepared for two people jointly, the package price will be determined according to the total savings and investments of the holder of the main account. YOUTH PACKAGE (not for sale) Monthly fee for the Youth Package Customers under 28 s 0.00 Customers over 28 s (monthly fee for the Basic Package) 6.40 - Discounts the same as for the Basic Package ECONOMY PACKAGE (not for sale) Monthly fee for the Economy Package 6.40 All the Packages include: - Current account - Bank identifiers: access to ebanking, Mobile Bank and Telephone Services - Electronic archive in web bank - Card purchases and web payments - Payment of invoices in ebanking and in automated payment service - Cash withdrawals at Otto ATMs and at branches - Account statement (delivered into the electronic archive for ebanking customers) Extended Package also includes: - MasterCard Gold Credit/Debit combination card with travel insurance - Visa Gold Credit card with travel insurance - Travel insurance associated with the cards - Overdraft facility free of Establishment fee maximum 1,000 - Currency exchange in ebanking and at branches - The Resources account with more favourable credit interest rate (12-month Euribor rate 0.80%, minimum credit interest 0.5%) - A 25% discount on subscription fees for the most popular funds Basic Package also includes: - Visa Credit card - Overdraft facility free of Establishment fee charge maximum 500 The Youth Package also includes: - MasterCard Credit/Debit combination card - Visa Credit card - Visa Electron card - Overdraft facility free of Establishment fee charge maximum 200 - Currency exchange in ebanking and at branches The Economy Package also includes: - Visa Electron card CARDS CREDIT CARDS Annual fees (as of 1 April 2016 Co-branded cards included) Annual fee for the basic level MasterCard and Visa Credit/Debit and Credit, of overdraft limit 2.5 % minimum 60.00 - Parallel card 20.00 MasterCard Gold Credit/Debit and Visa Gold 90.00 - Parallel card 40.00 MasterCard Platinum Credit/Debit 180.00 - Parallel card 60.00 Finnair Plus Visa 60.00 - Parallel card 15.00 Finnair Plus Visa Gold 150.00 - Parallel card 30.00 Invoicing fees E-invoice 2.00 Paper invoice 3.50 MasterCard Credit (originally issued as YkkösBonus MasterCard) 3.00 Tiliraha MasterCard 4.00 Finnair Plus: Visa and Visa Gold 0.00 Cash withdrawal from a credit account in ebanking or ATM 2.00 + 2.5 % Euro-denominated ATM withdrawals 2.00 + 2.0 % DEBIT CARDS Monthly fee 1.50 (as of 1 April 2016 3.00) - Under 18 s 0.00 Cash withdrawals Euro-denominated ATM cash withdrawals in EU countries (As of 1 April 2016 five withdrawals free of charge per month per account, other withdrawals each 0.60) - Otto. ATMs domestically 0.00 - Other Euro-denominated cash withdrawals in EU countries 0.60 Other ATM cash withdrawals 2.00 + 2.5 % Cash withdrawal at POS terminal by purchase with cashback 0.30 (As of 1 April 2016 five withdrawals free of charge per month per account, other withdrawals each 0.30)

Page 3 / 5 CHANGES TO CARDS AND OTHER PAYMENTS Changing card design 10.00 Card renewal before the date of expiry (e.g. change of name, replacing a destroyed card) 10.00 Reissuing a PIN 5.00 from 1 April 2016, 10.00) Changing the PIN (requires card renewal) 10.00 Change of payment plan 5.00 from 1 April 2016, 10.00) Change of overdraft limit 10.00 Surcharge for express delivery of a card 10.00 (as of 1 April 2016 20.00) Reminder fee 5.00 Exceeding the credit limit 10.00 Copy of receipt of domestic transaction 2.00 Copy of receipt of a transaction abroad 5.00 Copy of an invoice 2.00 Acquiring new contact information for a customer 5.00 Finder s reward 10.00 Confiscation fee for a card that has been misused 150.00 PAYMENTS Payment of invoices via Payment envelopes / invoice 1.50 (as of 1 April 2016 2.00) Payment of invoices via Personal Service / invoice Account transfer at branches and via Telephone Service 5.00 Payment of invoices with cash at branches 6.00 Payment of invoices as urgent payments 12.00 (as of 1 April 2016 15.00) Present check 3.00 Money remittance Transfer on an account by telephone and in a payment envelope 2.50 Withdrawal at a branch 0.00 CASH MAKING A DEPOSIT (Funds collected by private individuals for savings purposes) Using an automated deposit machine and cash calculating centre Coins up to 100 0.00 Coins in excess of 100, of the value 2.50 % Notes 0.00 On one s personal account through personal service Coins up to 10 0.00 Notes 0.00 WITHDRAWAL OF SORTED CASH Order 5.00 - of the value of notes 0.50 % - of the value of coins 5.00 % ACCOUNT INFORMATION Balance enquiry on ATMs 0.20 (as of 1 April 2016 0.30) Transaction enquiry on ATMs 0.50 (as of 1 April 2016 0.75) Balance and transaction enquiries as Personal Service 1.80 (as of 1 April 2016 2.50) Balance and transaction enquiry as 0.25 an ordered text message, per message +mpm Agreed information by text message, per message 0.25 Receipts / each Receipt ordered upon payment 1.80 Receipt upon payment at branch 0.00 Receipt ordered afterwards 5.00 Balance and interest statement 5.00 (regarding one account) Audit letter (regarding total banking) 15.00 Account statement Monthly 0.00 Printed account statement for ebanking customers 1.00 For more than once a month / each 1.00 Account statement ordered afterwards / month 5.00 Pledging of an account 25.00 (e.g. as rental deposit) (as of 1 April 2016 30.00) Notices Of insufficient account coverage 5.00 Overdraft fee 10.00 - Overdraft facility 20.00 Letter of notice about overdraft 5.00

Page 4 / 5 BANK IDENTIFIERS Monthly fee for bank identifiers 0.00 (as of 1 April 2016 3.00) Renewal of bank identifiers or separate PIN codes 10,00 Sent by post 7.00 (as of 1 April 2016 10.00) A new security card to replace a spent one (the bank will post this automatically) 0.00 A new security card to replace a lost one 10.00 Sent by post 7.00 (as of 1 April 2016 10.00) Delivery of bank identifiers and separate PIN codes abroad By mail, with an acknowledgement of receipt 7.00 (as of 1 April 2016 10.00) By courier service 45.00 Delivery of separate security cards abroad By mail, with an acknowledgement of receipt 7.00 (as of 1 April 2016 10.00) By courier service 45.00 TELEPHONE SERVICES Personal service With bank identifiers 0200 2590 Mon - Fri klo 9am - 16pm lnc/mnc Automated service With bank identifiers 0200 2591 0.06/min 24 h/day + lnc/mnc INTERNATIONAL PAYMENT SERVICES FOREIGN CURRENCY Sale of banknotes - As an order in ebanking (collection at Danske Bank branch ) 2.50 - otherwise 5.00 Purchase of banknotes 5.00 PAYMENTS ABROAD Account transfer as SEPA-payment 0.00 - The payment is in euro and is paid from one EU country to another - Beneficiary s account number is given in the IBAN form - Beneficiary s bank is given in the BIC/SWIFT code address form - The payer and the beneficiary pay the costs of their respective banks Other than SEPA payment account transfer abroad 10.00 Account transfer to customer s own account within Danske Bank group 0.00 (Finland, Denmark, Sweden, Norway, Ireland, Northern Ireland and Luxemburg, as well as London, Hamburg, and Warsaw) Payments transmitted by express order 35.50 International cheque 20.00 Bank posts the cheque to the principal or to the beneficiary Charges for full-amount payments 20.00 If the payer also pays the recipient s bank fees (to the full amount to the recipient) the payment is subject to an additional charge Danske Bank only guarantees the delivery of the payment in full as far as the correspondent bank. If the correspondent bank forwards the payment further, the transmitting bank or the recipient s bank may deduct its expenses from the amount paid to the beneficiary. Additional fee for transfers to EU/EEA countries if no IBAN provided 10.00 Cancellation of payment Cancellation of an unprocessed payment 10.00 Cancellation of a processed payment 35.00 Payment blockage sent to a foreign bank upon request of a party other than the bank / cheque 35.00 PAYMENTS FROM ABROAD Incoming SEPA-payment 0.00 (see rules of an SEPA-payment in chapter Payments abroad) Other incoming payment from abroad 6.00 Encashment of cheques Cheque in foreign currency Cheque in euro To be paid in the euro area 0.30 % or 0.30 % or Drawn on Danske Bank 13.00 Drawn on another bank in Finland 0.20 % or For a cheque whose currency is different from the paying country s currency, fees of the foreign bank will be charged afterwards, if any. Cheque taken on collection basis 0.20 % or min. 45.00 max. 350.00 -in addition, fees of the foreign bank and courier expenses, if any Cheque returned unpaid 35.00 - in addition, other possible expenses, e.g. fees of the foreign bank Traveller s cheques 1.00/cheque - minimum per change 5.00

Page 5 / 5 RECEIPTS, VOUCHERS AND NOTIFICATIONS FOR FOREIGN PAYMENTS Receipt, voucher or a copy of a voucher / each 2.00 Domestic postage expenses 2.50 International postage expenses, actual costs Notification by mail about an uncovered Assignment 2.50 Queries and amendments 20.00 FOREIGN CURRENCY ACCOUNT Foreign currency deposit In cash at branch on a currency account at Danske Bank 0.00 The bank purchases notes at the purchase exchange rate for notes and credits the foreign currency account according to the average rate. Foreign currency withdrawal at branch The bank debits the foreign currency account according to the average rate and sells the notes at the selling exchange rate for notes. Account transfer As a domestic payment at branch or via Telephone Service 3.50 (as of 1 April 2016 5.00) As a foreign payment, see Payments abroad. Account statement 0.00 Account statement or account statement duplicate drawn up separately / page min. 5.00 Balance and interest statement drawn up separately 15.00 CLARIFICATION WORK Reports or services not shown in the price list and requested by the customer will be charged according to the actual work costs; however, the minimum charge for each full hour or part thereof is made 100.00. NOTIFICATION Payment default or another breach of contract will be subject to costs, which shall be the responsibility of the debtor. Such expenses include legal costs, collection agency expenses or fees charged by the execution authority. The rates of these charges are based on the legislation and the price lists of different service providers valid at the time. Kiinteistömaailma and Danske Bank pay each other a commission for customer guidance cooperation, 10 50 per case. These prices are the valid minimum rates which the Bank has the right to change. If the work costs arising from the customer s request exceed these rates, the actual work costs will be charged. The Bank is entitled to charge for payments and services from the customer s account.