Price list Private Individuals

Annex to the account opening/card issue and usage contract Price list Private Individuals 0372.100.200 Effective as of June 27 th, 2013 www.procreditbank.ro

APPENDIX GENERAL RULES ACCOUNTS Cash withdrawals over EUR 5,000 (or equivalent) require a prior notice of 2 (two) working days. The amount has to be in the client s account when the notice is made. Lack of notice entails the payment of an additional fee for the entire withdrawn amount. The bank reserves the right to refuse the transaction in the lack of the notification. The Bank must transfer to the State Budget the income tax from interest, according to the legislation in force. The bank does not accept foreign currency deposits/withdrawals in coins For any type of time deposit, or for the establishment of a savings plan, the client must have a current account opened in the respective currency. The bank does not offer interest for term deposits closed before maturity, except for the Flexible Deposit, for which it pays a lower flat interest, effective as of the moment of the account opening. Standard interest rates offered by the bank are valid for an exposure / client of up to EUR 100,000 equivalent. For any amount exceeding this ceiling, the Bank can establish individually the offered interest rate level, which can be lower than the standard level. Interest rates can be modified by the bank, based on internal or market reasons. The modifications will be displayed for customers no later than the enforcement date. Charges and fees can be modified by the bank, and the clients will be informed 2 months prior to their enforcement. Payments in the EU area: payments ordered in EUR/GBP/CHF or LEI to member states of the European Union (including the European Economic Area); international payments ordered in the EU and EEA can be ordered only with the SHARE option for the payment of the fee. Payments in the non-eu area: payments ordered in USD, or payments in EUR/GBP/CHF or LEI performed to all the countries in the world (including from Europe) which are not part of the EU area. The bank s BIC (SWIFT) code is: MIROROBU.! For amounts held in current accounts, savings accounts and deposit accounts, the Romanian Government through the Bank Deposit Guarantee Fund guarantees to every account holder the amount of EUR 100,000 or equivalent. Important! The banking accounts from ProCredit Bank can be accessed either from any of the bank s branches and agencies, regardless of the place where they have been opened, or through the Internet Banking service.

FEATURES FEES CURRENT ACCOUNTS Current Accounts Type of fee Fee Conditions Opening fee LEI 5 / account For all currencies (at front desk) Opening fee for underage account holders (< 18 years old) Maintenance fee Maintenance fee for agro clients Info Collections LEI 3 / month EUR/USD/GBP/CHF 0.75 / month LEI 10 / month EUR/USD/GBP/CHF 0.75 / month LEI 0.9 /encashment Current account closing on client s request Closing fee for inactive accounts Max. LEI 35 / EUR 10 / USD 10 / GBP 5 Current account closing fee Balance LEI 35 / EUR 10 / USD 10 / GBP 5 Authorization of persons on the account LEI 7 / authorization For all current accounts Depending on the account balance Applied when ending the business relationship with the bank, if the client does not want to withdraw this minimum balance Starting with the 3 rd authorized person Savings Products Account opening Account maintenance Authorization on the account LEU 1 / EUR/ USD 0.25 account LEI 7 / authorization Monthly commission for all savings accounts Starting with the 3 rd authorized person Name of product Minimum amount Period Classic Deposit LEI 500 / EUR/USD 100 Pensioners Deposit LEI 500 / EUR/USD 100 1 36 months Flexible Deposit LEI 2,000 / EUR/USD 500 3 36 months Overnight LEI 200,000 / EUR/USD 50,000 1 26 days Total Account - Savings Plan LEI 10 / EUR 5 monthly deposit unlimited

WITHDRAWALS DEPOSITS Cash Transactions Cash deposits Cash deposits/change of coins in LEI 5.5% Cash deposits for used foreign currency banknotes 15% For deposits over EUR 150,000 / USD 150,000 / LEI 500,000, the bank reserves the right to charge an additional fee or to reject such deposits Of the total value in coins, if the amount is > LEI 50 Of the value of used banknotes Cash withdrawals from the current account / Overnight Deposit Cash withdrawals from the savings account / Savings Plan Cash withdrawals from the term deposits (Classic Deposit, Pensioners Deposit, monthly interest transfer, Flexible Deposit) Cash withdrawal from Flexible Deposit before maturity 0.55% min. LEI 5 / EUR 1.5 / USD 1.5 0.40% Min. LEI 2 /EUR 1/USD 1 0.55% Cash withdrawal without notification + 0.30% Not honoured cash withdrawal notice 0.25% Cash withdrawal in preferential bills + 0.50% In the first 5 banking days from the due date (inclusive), if withdrawals are made in the same currency as the deposits, in available denomination, up to the equivalent of EUR 10,000/deposit. Cash withdrawals over EUR 5,000/equivalent/day/location (including from Time Deposits at maturity) require a 2-working day prior notice; in the absence of the prior notice, an additional fee is required, for the entire withdrawn amount. Valid regardless of the minimum balance; the withdrawal is performed in the currency of the deposit, in available denomination; min. LEI 5/ EUR/USD 1.5 For amounts > EUR 5,000 /equiv./day/ location Of the amount which was not withdrawn (totally or partially) Additional fee applied for the entire withdrawn amount

EU International Payments NATIONAL Money Transfers Interbank payments Type of fee Fee Conditions amounts 500 500.01 49,999.99 amounts 50,000 Urgent payments LEI 5 (Payment Order/Promissory Note/Bill of Exchange) LEI 8 (Payment Order/Promissory Note) LEI 18 (Payment Order/Promissory Note) Also valid for payments ordered through Standing Order Interbank payments for garnishments Intrabank payments in Lei Intrabank payments other currencies Interbank / Intrabank collections in any currency amounts 500 LEI 6 500.01 49,999.99 LEI 12 amounts 50,000 LEI 25 Urgent payments LEI 25 amounts 500 LEI 1 amounts > 500 LEI 3 2 EUR/USD/GBP/CHF Any amount Payment cancellation LEI 50 Payment recovery LEI 50 Refusal notice LEI 5 Issue of Promissory Note forms LEI 0.4/form With the Bank s approval, only in the same day the initial payment was ordered, until the moment the account was debited. Also valid for payments ordered through Standing Order. After the account was debited; with beneficiary s agreement. Fixed fee / refusal; also valid for payments ordered through Standing Order Investigations LEI 5 Fixed fee/investigation Payment refusal of Promissory Note/Bill of Per refused instrument LEI 50 Exchange Money Transfers International payments Collections amounts 12.500 EUR 12 / GBP 10 / CHF 16 12.501,01 49,999.99 0.15% 0.15% max. EUR 750 / GBP amounts 50.000 640 / CHF 1.000 0.3% min. EUR 30 / GBP 25 / urgent payments CHF 36 Payments can only be ordered with the option SHARE

NON-EU International Payments SWIFT processing fee EUR 9 / GBP 7 / CHF 14 Refusal notice EUR 2 / GBP 2 / CHF 2 Payment modifications EUR 20 / GBP 13 / CHF 28 Investigations EUR / GBP 30; CHF 40 Payment cancellation EUR 25 / GBP 17 / CHF 35 For each payment separately, not included in the payment fee As the case may be, only with the bank s approval Only with the Bank s approval, on the same day in which the payment was ordered, until the moment of the SWIFT execution amounts < 50.000 EUR 75 / GBP 75 / CHF 100 After SWIFT execution; with Payment recovery amounts 50.000 EUR 100/ GBP 100 / CHF 140 beneficiary s agreement. The fee includes fax SWIFT copy issuance on request LEI 2 transmittal Repairs/corrections of collections Money Transfers International payments Collections SWIFT processing fee amounts 12,500 12,500.01 49,999.99 amounts > 50,000 urgent payments EUR 5 / equivalent EUR 20 / GBP/USD 17/ CHF 27 EUR 33 / GBP/USD 27 / CHF 40 0.15% max. EUR 750 / GBP 640 max. USD 950/CHF 1.000 0.3% min. EUR 30 / GBP 25 / USD 39 / CHF 36 EUR 9 / GBP 7/ USD 13 / CHF 14 Refusal notice EUR /GBP /CHF /USD 2 EUR 20/ GBP 13 / USD 26 / Investigations / Payment modifications CHF 28 EUR 20/ GBP 15 / USD 10 / Correspondent bank charges CHF 28 Payment cancellation Payment recovery amounts < 50.000 amounts 50.000 Charged separately for each payment and not included in the payment fee Only for payments ordered with the option OUR Only with the Bank s approval, on the same day in which the payment was EUR 25/ GBP 20 / USD 30 / ordered, until the moment of CHF 35 the SWIFT execution EUR / GBP / USD 75 / CHF 100 After SWIFT execution; with beneficiary s agreement. EUR / GBP / USD 100 / CHF 140 SWIFT copy issuance on request LEI 2 Repairs/corrections of collections EUR 5 / equivalent The fee includes fax transmittal

LIMITS ISSUANCE AND MAINTENANCE TRANSACTIONS Debit Cards in LEI ATM cash withdrawal fee 0.2% ProCredit Bank s ATMs 0.5% + LEI 2.5 Other ATMs in Romania 0.5% + LEI 0.5 ATMs partner s bank* Merchant purchase fee ATM balance inquiry fee 1% + EUR 2.5 ATMs abroad LEI 0.5 LEI 1.2 VISA Electron Card at any ATM in Romania Maestro Card at ProCredit Bank s ATMs VISA Electron Card at ATMs abroad Mini account balance ATM LEI 1 ProCredit Bank s ATMs POS cash advance 0.5% + LEI 2.5 ProCredit Bank cards banks in Romania 1% + EUR 2.5 ProCredit Bank cards with banks abroad Payment investigations EUR 10 / equiv. Per transaction Card maintenance fee LEI 18 / year Card issuance fee LEI 5 Main card/additional card Card blocking LEI 5 Card renewal upon expiry Card renewal before expiry LEI 10 In case of theft, loss (including in other ATMs) Main card/additional card Sending card in another location LEI 35 /card Card limit modification LEI 2 / modification At ATM, POS, with Bank s prior approval PIN change at ATM LEI 3 Main card/additional card Daily withdrawal limit at ATM LEI 3000 Daily transactions limit at ATM 10 transactions *Partener banks:volskbank, Romanian Bank, ATE Bank, Cyprus, Piraeus Bank, Libra Bank

LIMITS ISSUANCE AND MAINTENANCE TRANSACTIONS Debit Cards in EURO ATM cash withdrawal fee 0.2% ProCredit Bank s ATMs 0.5% + EUR 2.5 Other ATMs in Romania* 0.5% + EUR 0.5 ATMs partner s bank Merchant purchase fee ATM balance inquiry fee 1% + EUR 2.5 ATMs abroad EUR 0.1 EUR 0.5 VISA Electron Card at any ATM in Romania VISA Electron Card at ATMs abroad Mini account balance ATM EUR 0.2 ProCredit Bank s ATMs POS cash advance 0.5% + EUR 1 ProCredit Bank cards banks in Romania 1% + EUR 2.5 ProCredit Bank cards with banks abroad Payment investigations EUR 10 Per transaction Card maintenance fee EUR 5 Card issuance fee EUR 2.5 Main card/additional card Card blocking EUR 1 Card renewal upon expiry Card renewal before expiry EUR 3 In case of theft, loss (including in other ATMs) Main card/additional card Sending card in another location EUR 8 Card limit modification EUR 0.5 At ATM, POS, with Bank s prior approval PIN change at ATM EUR 1 Main card/additional card Daily withdrawal limit at ATM EUR 1000 Daily transactions limit at ATM 10 transactions *Partener banks:volskbank, Romanian Bank, ATE Bank, Cyprus, Piraeus Bank, Libra Bank

OTHER FEES ProBanking Cards Accounts Packages Type of fee Current account opening Eficient Contul Eficient Plus SMART PLUS Fee Contul SMART TOTAL Maintenance Fee LEI 1.5/month LEI 3.5/month LEI 4/month LEI 6/month Main card maintenance Main card issuance Cash withdrawal from 0% ProCredit Bank ATM Service activation Service maintenance amounts 500 LEI 1 501 49,999.99 Interbank Amounts Payments Not included 50,000 LEI 14 Urgent Intra-bank payments/collections * The rest of the applicable fees are the standard ones Other Fees Type of fee Fee Conditions Statement of account Sent monthly through e-mail/by post/over the counter Letters issued by the bank in favour of APIA/FEADR LEI 20 / equivalent Statements/Other letters issued Fixed/VAT included by the bank LEI 50 / equivalent Postal / courier service fees External supplier s cost + LEI 1 VAT included CPI inquiry fee LEI 5/ inquiry Fixed/VAT included CBR inquiry LEI 15 / inquiry Copy of archived documents Lei 6 / page Fixed/VAT included; only applied to customers who request documents older than one month Banknote exchange fee 0.5% - for non-clients up to LEI 500/EUR 100/USD 100 -for ProCredit Bank clients - with no limit and no fee, but depending on the availability of the requested banknote CPI = The Central of Payment Incidents; CBR = The Central of Banking Risks

INTERNATIONAL CHEQUES PROPAY ProPay amounts 5,000 EUR 5 / USD 6 Service available for International payments 5,000 100,000 0.10% clients of ProCredit Group banks (Romania, Serbia, amounts > 100,000 EUR 100 / USD 130 Macedonia, Georgia, International incoming payments Bosnia and Herzegovina, SWIFT processing fee EUR 10 / USD 13 Kosovo, Albania, Bulgaria, Moldova, Correspondent bank charges Armenia) Refusal notification EUR/USD 2 International Cheques* Type of fee Fee Conditions Collection (EUR, GBP, CHF) 0.10% min. EUR 5 ; max. EUR 100 Refusal of payment EUR 50 Postal expenses for sending international cheques LEI 20 for the post office / EUR 50 for the quick courier Blocked upon collection; released if cheque is paid Fee paid upon collection; VAT included Correspondent bank charges Deducted from collected amount Conditioned/ Documentary Payment Order Endorsement of received conditioned/documentary payment order 0.15% Issue of conditioned/documentary payment order EUR 25/equivalent Payment of conditioned/documentary payment order 0.15% Modification/Cancellation/Investigations EUR 15/equivalent min. EUR 10/equivalent; max. EUR 750/equivalent For refinance For commercial conditioned payment orders min. EUR 10/equivalent; max. EUR 750/equivalent GENERAL RULES REGARDING THE CONDITIONED/DOCUMENTARY PAYMENT ORDER Correspondent Bank charges are not included. For all documentary operations involving a SWIFT message, the Bank will charge a fee of EUR 9/equivalent per message. For all services involving courier charges, the fees will be the same as in the case of international cheques. *Only CECs in Eur, Gbp or Chf issued by banks or financial institutions from Euro zone plus Switzerland, Denmark, England, Norway, Sweden and Island.

EU INTERNATIONAL PAYMENTS NATIONAL TRANSFERS ACTIVATION AND MAINTENANCE INTERNET BANKING (ProB@nking Plus) Token activation LEI 30 Starting with second token/client Token replacement LEI 60 In case of theft, loss and damage Fee LEI 3/ month Per client Interbank payments* Interbank payments / collections amounts 500 LEI 3 501 49,999.99 LEI 4 amounts 50,000 LEI 14 Urgent payments Investigations LEI 5 Payment cancellation LEI 50 Payment recovery LEI 50 Refusal notice LEI 5 / refusal With the Bank s approval, only on the same day the initial payment was ordered, until the account debiting. After the account has been debited; with beneficiary s agreement. INTERNET BANKING (ProB@nking Plus) Transfers Payments amounts 12.500 EUR 10 / GBP 8 / CHF 14 12,501.01 49,999.99 0.15% 0.15% max. EUR 750 / GBP amounts 50.000 640 / CHF 1.000 Modifications EUR 20 / GBP 13 / CHF 28 Investigations EUR/ GBP 30 / CHF 40 Payment cancellation EUR 25 / GBP 17 / CHF 35 Payments can be ordered only with SHARE option As the case may be, only with the bank s approval Only with the Bank s consent, on the same day in which the payment was ordered, until the moment of the SWIFT execution

Other fees in the EU/non-EU area NON-EU INTERNATIONAL PAYMENTS *For standing orders made throw ProBankin Plus, commissions from interbanking transfers received at counters will be applied. Payments Investigations / Modifications Correspondent bank charges Payment cancellation amounts 12.500 12,501.01 49,999.99 amounts 50.000 EUR 18 / GBP/USD 15 / CHF 25 EUR 30 / GBP/USD 25 / CHF 40 0.15% max. EUR 750 / GBP 640 / max. USD 950 / CHF 1.000 EUR 20 / GBP 13 / USD 26 / CHF 28 EUR 20 / GBP 15 / USD 10 / CHF 28 EUR 25 / GBP 20 / USD 30 / CHF 35 Only for payments ordered with the option OUR Only with the Bank s consent, on the same day in which the payment was ordered, until the moment of the SWIFT execution Urgent payments SWIFT Fee amounts < 50.000 amounts 50.000 EUR 9/ USD 13 / GBP 7 / CHF 14 Refusal notification EUR/GBP/CHF /USD 2 amounts < 50.000 EUR/USD/GBP 75 / CHF 100 Payment recovery amounts 50.000 EUR/USD /GBP 100 / CHF 140 SWIFT copy issuance upon request LEI 2 *SC=standard commission SC*+20 EUR/17GBP/27USD/25CHF SC*+50 EUR/40GBP/65USD/60CHF Charged separately for each payment and it is not included in the payment fee After SWIFT execution, with beneficiary s agreement The fee includes fax transmittal Cut-off Times Payment orders received at the counter Intra-bank transfers in the same currency Foreign exchange on account Amounts Receiving schedule Offset Any amounts 09:00 17:00 Real time Cash foreign exchange EUR/ USD 10,000 09:00-17:00 Real time National interbank transfers < LEI 50,000 09:00-17:00 No later than the next banking day LEI 50,000 09:00-15:00 On the current banking day Urgent national interbank transfers < LEI 50,000 09:00-15:00 On the current banking day International transfers in EUR/ USD/ GBP/CHF Any amounts 09:00-16:00 Account debiting on the same banking day

International urgent transfers in EUR/ USD/ GBP/CHF ProPay transfers Any amounts 09:00-11:00 The account debiting date is the same as the currency date (with bank s approval) Any amounts 09:00-12:00 12:00-16:00 Account crediting on the current banking day (with bank s approval) Beneficiary s account crediting on the next banking day Payment orders through ProB@nking Plus Amounts Processing schedule Offset Any time except for the intervals Intra-bank transfers in the same 20:00-00:30 (Monday - Friday) Any amounts currency and 18:00-00:30 (Saturday- Real time Sunday) 10,000 EUR/USD/GBP 09:00-18:00 (Monday - Friday) Foreign exchange > 10,000 EUR/USD/GBP 09:00-16:00 (Monday - Friday) Real time Any amount 00:30 20:00(Saturday Sunday) National interbank transfers in LEI Urgent national interbank transfers in LEI National interbank transfers in EUR/USD/GBP International transfers in EUR/USD/GBP/CHF Urgent international transfers in EUR/USD/GBP/CHF < LEI 50,000 09:00-17:00 09:00-15:00 LEI 50,000 after 15:00 < LEI 50,000 09:00-15:00 Any amount 09:00-16:00 Any amount 09:00-16:00 Any amount 09:00-11:00 No later than the next banking day Processing and offset on the current banking day Processing and offset on the next banking day Processing and offset on the current banking day Account debiting on the same banking day Account debiting on the same banking day Account debiting on the current banking day (with bank s approval)

Interbank processing Agreement processing PAID processing Type of compensation Amounts Processing hours Settlement Reception of debit instruments for collection any amounts Cash deposit for debit instruments payment any amounts 09:00-16.30 09:00-14.30 processing on the same banking day 14.30-17:00 processing on the next banking day on the day when the instrument is debited, but no later than the cut-off time Reception of debit instruments for collection any amounts 09:00-15.30 processing on the same banking day 15.30-17:00 processing on the next banking day Cash deposit for interbank payment any amounts 09:00-16:45 on the day when the instrument is debited, but no later than the cut-off time Reception of debit 09:00-13:00 processing on the same banking day instruments for collection any amounts 13:00-17:00 processing on the next banking day Cash deposit for interbank payment any amounts 09:00-17:00 on the day when the instrument is debited, but no later than the cut-off time