Charges for making payable to staff Charges for sending out payments made payable to customers

PATTI CHIARI - "A COMPARISON OF CURRENT ACCOUNTS" TABLE SHOWING SIMILARITIES AND DIFFERENCES BETWEEN THE "STANDARD CONDITIONS" IN PATTICHIARI AND THOSE ADOPTED BY THE BANK 1 Account details 2 CURRENT OPERATIONS AND TRUSTEESHIP OF FUNDS 2.1 Standing management charges FOR FUNDS TRUSTEESHIP AND FOR INFORMATION ABOUT AND ACCOUNTING FOR MONTHLY CASH MOVEMENTS shows charges always applicable to customers, however a current account has been used 2.1.1 Charges for sending out statement 2.1.2 Settlement charges 2.1.3 Standing charges/flat-rate expenses Monthly cost 2.1.4 Number of operations covered by charge/flat rate Charges for making payable to staff Charges for sending out payments made payable to customers Costs for keeping an account commission charges due to the Bank every time a statement is sent out. commission due every time interest on sums is calculated. deposited (interest to creditors) calculated at intervals of, for example, every month, every three months, every six months, or every year. (N.B. these are not added to charges for interest to debtors) commission for keeping a current account, due at intervals of, for example, once a month, once a quarter, twice a year, or once a year number of operations covered by charge/flat rate. For charges due when this number of operations is reached, see "charges for single operations not included in charge/flat rate" 2.1.5 Stamp duty Revenue duties for statements of account duty payable to the Exchequer for statements involving a current account, equal to 34.20 per annum. 2.2 Variable management charges showing total commission due, which may change according to how an account is used by a customer 2.2.1 Individual operation charges not covered by standing charge/flat rate: Handling charges shows the commission due for every operation listed in the statement over the flat rate or not included in the standing charge 2.2.1.a - at branch - commission upon operations made at branch 2.2.1.b - over the internet - commission for operations made over the internet 2.2.1.c - over the telephone - commission for operations made over the telephone 2.2.2 Withdrawals at branch commission for the withdrawal of cash at the branch 2.2.3 Request for list of branch operations commission for printing out a list of latest operations involving a current account 2.2.4 Charges for closing a current account commission due for operations relative to the closure of a current account 2.2.5 Charges for sending out documents: shows charges for the following types of correspondence 1

Charges for making payable to staff 2.2.5.a - accounting Charges for sending - charges for posting accounts documents regarding operations out payments made payable to customers 2.2.5.b - transparency communications - charges for posting communications relative to transparency undertakings 2.3 Remuneration for deposits 2.3.1.a Nominal annual credit rate Annual nominal credit rate 2.3.1.b Effective annual credit rate shows the terms and conditions for calculating interest on monies deposited (interest to creditors) annual rate (inclusive of taxes) used to calculate and to credit interest on monies deposited (interest to creditors) at intervals of, for example, every month, every three months, every six months, or every year credit rate (inclusive of taxes) showing equivalent returns on a yearly basis 2.3.2 Value days for deposits Value days, availability terms, and nonreversal of deposited monies Days between date of operation and date when interest can begin to be applied (calendar days or working days for banks) 2.3.2.1 - cash cash 2.3.2.2 - drafts issued by same bank not available 2.3.2.3 - drafts issued by other banks Carige bank drafts, other bank drafts - value on day a cash deposit is made (same day: Section 120, Consolidated Banks Act) - value days applicable to operations involving deposit of bank drafts issued by the same bank (same day: Section 120, Consolidated Banks Act) - value days applicable to operations involving deposit of bank drafts issued by another bank 2.3.2.4 - cheques issued by same bank and same branch 2.3.2.5 - cheques issued by another branch of same bank 2.3.2.6 - cheques issued by other banks 2.3.2.7 - other orders (money and postal orders) cheques drawn on open branch cheques issued by other branches of bank in same other local bank cheques; Other non-local bank cheques other non-local bank cheques, postal, and money orders - value days applicable to operations involving deposit of cheques issued by same bank and same branch (same day: Section 120, Consolidated Banks Act) - value days applicable to operations involving deposit of cheques issued by another branch of the same bank - value days applicable to operations involving deposit of cheques issued by another bank - value days applicable to operations involving the deposit of other orders (money and postal orders) 2.3.3 Value days for withdrawals value days applicable to withdrawals Days between actual date of withdrawal and date when interest can be applied (calendar days or working days for banks) - value days for withdrawals made at branch (same day: Section 120, Consolidated 2.3.3.1 - at branch at branch Banks Act) 2.3.3.2 - by cheque by means of a cheque - value days for withdrawals made by means of a cheque 2.3.3.3 - by cash dispenser at same branch by cash dispenser - value days for withdrawal by cash dispenser at same branch 2.3.3.4 - by cash dispenser at other branch by cash dispenser - value days for withdrawal by cash dispenser at another bank 3 PAYMENTS SERVICE MADE AVAILABLE TO SPEED UP AND FACILITATE PAYMENTS AND MONEY COLLECTION 2

3.1 Cash dispenser/debit card International ATM 3.1.0 Debit card ("Bancomat" in Italy) - issuing bank circuit Debit card, which allows customers to withdraw cash from dispensers (ATMs) and to pay for goods and services in shops (POS), with the money withdrawn or spent directly charged to the customer's current account periodic charge (applicable, for example, once a month, once a quarter, once every six months, or once a year) for a card which can be used at dispensing machines and in branches of the issuing bank 3.1.1 Cash dispenser/debit card - Italian circuit only debit card (cfr. International debit card) periodic charge (applicable, for example, once a month, once a quarter, once every six months, or once a year) for a card which can be used at all dispensing machines and in shops which have signed up to the PagoBancomat circuit 3.1.2 Cash dispenser/debit card - international circuit Issue of card periodic charge (applicable, for example, once a month, once a quarter, once every six months, or once a year) for a card which can be used at all dispensing machines and in shops which have signed up to the PagoBancomat circuit, and on the international circuit in Italy and 3.1.3 Pre-paid cards Cards which can only be used when funds have been paid into an associated account 3.1.3.1 - charge Issue of card - periodic charge (applicable, for example, once a month, once a quarter, once Topping up at the branch - Topping up at 3.1.3.2 - topping up - commission for topping up a card cash dispenser Topping up 3.1.4 Number of dispensing machine branches for a bank number of dispensing machine (ATM) branches a customer can use under the terms and conditions of a contract which an issuing bank makes available to customers for operations carried out at dispensers (within the Bank or Group) 3.1.5 Authorised circuits authorised circuits (Bancomat/Pagobancomat, Cirrus, Maestro, Visa Electron) 3.1.6 Commission upon withdrawals: shows charges for withdrawal operations made at a cash dispenser (ATM) - charges for withdrawal operations made at a cash dispenser (ATM) in the same 3.1.6.a - from a cash dispenser at the same bank Bank or Group Additional charge for withdrawals 3.1.6.b - from a cash dispenser at another bank from cash dispensers at other banks - charges for withdrawal operations made at the cash dispensers of another bank 3.1.6.c - Sundays and bank holidays - charge for withdrawals made on Sundays and bank holidays 3.1.6.d - international circuits shows charges for withdrawal operations made on international circuits 3.1.6.d.1. EU Additional charge for withdrawals from cash dispensers at other banks 3.1.6.d.2. non-eu for withdrawals at overseas ATMs - charges applicable for withdrawals on international circuits within the European Union - charges applicable for withdrawals on international circuits outside the European Union 3.1.6.e - pre-paid cards - charges applicable for withdrawals using pre-paid cards 3.1.6.f - "Fast Pay" - charges applicable for payments made using motorway charge cards - charge applicable if operations are attempted when a current account has no 3.1.6.g - unavailability of funds funds or insufficient funds 3.1.7 - Card cancelling Loss or theft charges for cancelling a card when it has been lost or stolen 3.1.8 - Card re-issue charges for re-issuing a card when it has been lost or stolen 3

3.2 Credit card A card which entitles the holder to buy goods and services or to withdraw money based on the holder's promise to pay at a later date. Subscription charge payable at intervals of, for example, every month, every 3.2.1 Subscription Annual charge, main/replacement card three months, every six months, or every year 3.2.2 Limit (ceiling) upper limit according to contract subscription charge payable at intervals of, for example, every month, every 3.2.3 Replacement card three months, every six months, or every year, for a replacement card 3.2.4 Authorised circuits authorised circuits (VISA, MasterCard, Diners Club, AMERICAN EXPRESS) 3.2.5.1 Revolving credit card subscription charge payable at intervals of, for example, every month, every three months, every six months, or every year, for a card which up to a pre-arranged ceiling requires repayments to be made in instalments 3.2.5.2 - debt repayment rate by instalments 3.2.6.1 Card repayment by instalments with revolving option an annual, nominal rate used to calculate the amount of debt a customer owes the bank (debt interest) to be paid back in instalments, payable at intervals of, for example, every month, every three months, every six months, or every year subscription charge payable at intervals of, for example, every month, every three months, every six months, or every year, for a card which up to a pre-arranged ceiling in addition to repayments being made in instalments also allows revolving payments. 3.2.6.2 - debt repayment rate by instalments an annual, nominal rate used to calculate the amount of debt a customer owes the bank (debt interest) to be paid back in instalments, payable at intervals of, for example, every month, every three months, every six months, or every year a periodic subscription charge (due, for example, every month, three months, 3.2.6.3 Multi-function cards six months, or year) for a card which can be used as a cash-dispenser/debit card or as a credit card. 3.2.7 Card re-issue charges for re-issuing a card when it has been lost or stolen a periodic charge (applicable, for example, once a month, once every three 3.3 internet BANKPASS service months, or once a year) for use of 3.4 Cheque book 3.4.1 Cost of single cheques Cost of cheque charge for each individual cheque 3.5 Utilities paying utility bills 3.5.1 - direct debit permanent authorisation (for payment of bills) - payment at branch charged to current 3.5.2 charged to current account account Frequent payments for things like water, electricity, gas, and the telephone - a commission for payments made according to a direct debit order - a commission for payments made according to an authorisation for money to be taken directly out of a current account, issued at a branch 3.5.3 - payment at branch, in cash cash - a commission charged for payments made at a branch in cash 3.5.4 - payment over the internet over the internet - a commission for payments made over the internet 3.5.5 - payment by telephone via an operator over the telephone - a commission for payments made over the phone 3.5.6 - payment made at a cash dispenser using "self service" devices - commission for payment made at a cash dispenser 4

3.6 Paying taxes Paying taxes various commissions for the payment of taxes and sundry duties according to 3.6.1 Taxes agreements made with the Taxation Authorities (dependent upon type of tax) 3.7 Frequent payments Payments made at set intervals (rent/mortgages) 3.7.1.1 - rent in cash - a commission charged for rent payments made at the same bank in cash - a commission charged for rent payments charged to a current account at the 3.7.1.2 - rent - charged to current account same bank 3.7.2.1 - mortgage payment - in cash - a commission charged for mortgage payments made at the same bank in cash 3.7.2.2 - mortgage payment - charged to current account - a commission charged for mortgage payments charged to a current account at the same bank 3.8 Money transfer to Italy Money transfer, Italy Order to transfer funds to a third party at same/another bank 3.8.1 - order to repeat transfers 3.8.2 3.8.3 - order in branch, charged to current account - order at branch, to be paid in cash 3.8.4 - ordered over the internet 3.8.5 - ordered over the telephone 3.8.6 Payment upon receipt of a Bollettino Freccia 4 Remote access channel with authorisation to our staff or another bank to be charged to current account by us or by another bank with a payment in cash by us or at another bank via the online Family service by us or another bank via an operator over the telephone by us or by another bank paying-in slip 4.1 - Internet banking Monthly charge 4.2 - Telephone Banking Monthly charge Online Family and Business services (internet and telephone) - a commission for transfers for which a permanent repeat order has been given - a commission for transfers at the branch, to be charged to the current account - a commission for transfers at the branch, to be paid in cash - a commission for transfers ordered over the internet - a commission for transfers ordered over the telephone - a commission for payments made using the Bollettino Freccia slip ACCESS TO BANKING SERVICES VIA THE INTERNET AND TELEPHONE BANKING Charge for access to the service, payable at set intervals (e.g. once a month, every three months, six months, or year) Charge for access to the service, payable at set intervals (e.g. once a month, every three months, six months, or year) 5 FINANCE SERVICES SERVICES AVAILABLE FOR CUSTOMER CREDIT NEEDS 5.1 Overdraft facility (if needed) line of credit A facility to draw upon funds over the present limit of an account. The Bank may decide what requirements it needs for extending overdraft facilities. 5.1.1.a - Annual nominal debt rate Nominal annual rate 5.1.1.b Effective annual debt rate Effective annual rate debt rate calculated on a yearly basis 5.1.2.a Nominal debt rate for use beyond overdraft limit Extra charge for use beyond the granted overdraft facility an annual, nominal rate used to calculate and to deduct the amount of debt a customer owes the bank (debt interest), payable at intervals of, for example, every month, every three months, every six months, or every year an annual, nominal rate used to calculate and to deduct the amount of debt a customer owes when the overdraft limit has been exceeded, payable at intervals of, for example, every month, every three months, every six months, or every year 5

Effective debt rate for use over the Extra charge for use beyond the granted 5.1.2.b overdraft limit overdraft debt rate calculated on a yearly basis 5.1.3 Maximum overdraft commission Commission for use a commission calculated on the greatest overdraft during a set period Maximum overdraft commission - beyond a commission calculated on the greatest overdraft beyond the limit during a 5.1.4 Commission for use overdraft limit set period 5.1.5 Application charges Costs to be met when application for an overdraft to be extended is made 5.1.6 Arrears amount due for unpaid arrears charges related to periodic accounting of interest payments to be made by 5.1.7 Charge for settlement of interest on debts Beneficiary a/c management expenses customer (N.B. These are not added to the charges for calculating interest to Withdrawals when no overdraft facility has Withdrawing money when no application has been made for overdraft 5.2 been given an annual, nominal rate used to calculate and to deduct the amount of debt a customer owes the bank (debt interest) beyond the overdraft limit, payable at 5.2.1.a Annual nominal debt rate nominal debt rate intervals of, for example, every month, every three months, every six months, or every year 5.2.1.b Effective annual debt rate debt rate calculated on a yearly basis a commission calculated according to the greatest overdraft during a set 5.2.2 Maximum overdraft commission period for withdrawals made beyond the limit charges related to periodic accounting of interest payments to be made by customer 5.2.3 Charge for settlement of interest Penalties for an unexpected overdraft (N.B. These are not added to the charges for calculating interest to creditors) 5.3 Personal loans Personal special loan Loans with repayment in instalments 5.3.1 Nominal annual rate of interest Mysura personal special loan the nominal annual rate of interest applied 5.3.2 Application charges costs to be met when application for a loan is made 5.3.3 Insurance policy a policy to cover a loan 5.3.4 Early pay-off commission a commission payable when the remaining capital is paid off before it is due 5.3.5 Effective annual percentage rate (EAR) all-inclusive early redemption commission The EAR (Effective Annual percentage Rate) for a loan of 5,000 to be repaid in 36 months, including charges and insurance Medium- or long-term loans for periodic 5.4 Mortgages repayment specifies whether relief is available at the bank's standard conditions for an 5.4.1 Mortgage relief account to which a mortgage has been loaned 6 INVESTMENT SERVICES SERVICES AVAILABLE FOR CUSTOMER INVESTMENT NEEDS 6.1 Holding and administering share deposits Keeping and administering of shares A service involving the keeping and administering of shares purchased by a customer (registering share accounts, collecting coupons, etc.) 6.1.1 Custody charges 6.1.2 Administration charges, government securities Charges for holding and administration (policy) charges applicable to shares held at the bank (and directly administered there), to be paid at regular intervals (such as once every three months, charges for gilts held in a sub-deposit at a central deposit (and administered centrally there) charges for other centrally-administered securities, due at set intervals 6.1.3 Administration charges, other securities (e.g. every three months, six months, or year) charges for sending out a share statement (e.g. every three months, six months, 6.1.4 Charges for posting share positions sending account statements or year) 6

6.1.5 Stamp duty duty payable to the Exchequer for share keeping, currently 34.20 per annum transfers of shares to other credit 6.1.6 Share transfers the commission due for share transfer operations to another bank institutions the commission due for share transfer operations to another bank of an individual 6.1.6.1 Commission upon share code: share: - commission due for the transfer of Italian shares with no physical certificate 6.1.6.1.1. - domestic non-bearer certification (or for which non-bearer certification is by some other means than paper) - commission due for the transfer of overseas shares with no physical 6.1.6.1.2. - offshore non-bearer certification certificate (or for which non-bearer certification is by some other means than paper) - commission due for the transfer of Italian shares with bearer certification 6.1.6.1.3. - domestic bearer certification - commission due for the transfer of overseas shares with bearer 6.1.6.1.4. - offshore bearer certification certification the commission due for share transfer operations to another bank, calculated 6.1.6.2 Dossier commission according to the share deposit 6.2 Share dealing the commission due for share deals 6.2.1 Italian BOT Gilts (1st series) Placing Italian BOT gilts on auction the commission due for purchases of these securities 6.2.1.a - at branch - commission upon operations made at the branch also via the online services (Business and 6.2.1.b - over the internet Family) - commission for operations made over the internet also via the online services (Business and 6.2.1.c - over the telephone Family) - commission for operations made by telephone 6.2.2 Other Italian Gilts (market) Italy/foreign: Government stocks and bonds, listed and unlisted the commission due for dealings in other Italian gilt-edged securities on the market 6.2.2.a - at branch for operations made at branch - commission upon operations made at the branch 6.2.2.b - over the internet over the internet - commission for operations made over the internet for operations made via an operator 6.2.2.c - over the telephone over the telephone - commission for operations made by telephone 6.2.3 Italian shares (market) Italian shares, rights, Warrants, ETF, Foreign the commission due for dealings in Italian shares on the market Shares, Covered Warrants, 6.2.3.a - at branch for operations made at branch - commission upon operations made at the branch 6.2.3.b - over the internet over the internet - commission for operations made over the internet 6.2.3.c - over the telephone via an operator over the telephone - commission for operations made by telephone 6.3 Assets under management Assets under management (the managing of shares or other securities for customers) may be with or without relief at the bank's standard conditions 7

6.4 Bancassicurazione investment services in mainly insurance-based securities (Bancassicurazione) may be with or without relief at the bank's standard conditions 7 OTHER BANKING SERVICES OTHER BANKING SERVICES Relief and advantages for other Bank 7.1 relief for other Bank services (such as safe deposit boxes) services 8 NON-BANKING SERVICES RELIEF FOR SERVICES NOT INVOLVING A CURRENT ACCOUNT 8.1 Insurance-type services relief for insurance-type products not involving a current account 8.2 Other non-banking services relief for non-banking products not involving a current account 8