Price list for everyday banking services

1 (5) Price list for everyday banking services Extract from the service charge list for private customers: Everyday banking packages, accounts, cards, payments and account information Valid as of 14 December 2015 14119 EVERYDAY BANKING PACKAGES Everyday banking packages are available to customers who have registered for the Danske Benefit Programme, to young persons (ages 18 27) and to students (ages 18 32). The benefit levels in the Danske Benefit Programme are determined by the volume of banking*, i.e. the customer s combined total of loans, savings, investments and insurance savings, according to the chart below: Benefit level 4 150 000 Benefit level 3 50 000 149 999.99 Benefit level 2 10 000 49 999.99 Benefit level 4 0 9 999.99 DANSKE PLATINUM PLUS Benefit level 4 8.00 Benefit level 3 9.00 Benefit level 2 13.40 Benefit level 1 22.40 Students 9.00 Young persons 10.00 - Two personal Danske accounts - MasterCard Platinum Credit/Debit card with cash-back bonus and travel insurance - Danske Investor services - Cash withdrawals in euros in EU countries using the debit card - Currency exchange orders - Paper account statements for ebanking customers - SMS services DANSKE GOLD Benefit level 4 3.50 Benefit level 3 3.50 Benefit level 2 5.40 Benefit level 1 6.40 Students 1.50 Young persons 2.00 - Two personal Danske accounts - MasterCard Gold Credit/Debit card with travel insurance - Cash withdrawals in euros in EU countries using the debit card - Currency exchange orders - SMS services DANSKE SILVER Benefit level 4 1.50 Benefit level 3 1.50 Benefit level 2 4.40 Benefit level 1 6.40 Students Young persons - Personal Danske account * The volume of banking is calculated according to the previous month s average. The following personal customer products are taken into consideration: Deposits held at Danske Bank, the market value of fund shares managed by Danske Invest Fund Management Ltd, the market value of Mandatum Life Insurance Company Ltd s investment and pension insurance policies ordered through Danske Bank, the residual book value of bonds held in custody accounts at Danske Bank, the market value of securities held in custody accounts at Danske Bank, the residual book value of bonds and the current balance of credit accounts, credit cards and consumer loans. ACCOUNTS CURRENT ACCOUNT for Danske Account 2.00 Current account for 0 17 year olds (Youth Current Account) - The Youth Current Account includes a MasterCard Debit card SAVINGS ACCOUNT and GOLDEN PIGLET SAVINGS ACCOUNT for Savings Account Includes 2 free-of-charge withdrawals/ account transfers per month - Additional withdrawals/account transfers 1.80 each ( 2.00 each as of 1.4.2016) DANSKE TARGET ACCOUNT Includes 10 free-of-charge withdrawals/account transfers DANSKE SAFETY ACCOUNT Includes 5 free-of-charge withdrawals/account transfers

2 (5) DANSKE BENEFIT ACCOUNT If funds are withdrawn from the Danske Benefit Account, no interest is paid for the month in which the withdrawal was made or the month in which the account was closed. - Other cash withdrawals in ATMs 2.00 + 2.5 % Cash withdrawals from POS terminal 0.30 (as of April 2016 five free-of-charge withdrawals a month per account, additional withdrawals 0.30 each) DANSKE HARVEST ACCOUNT Includes 5 free-of-charge withdrawals/account transfers per month - Additional withdrawals/account transfers 2.00 each RETURN ACCOUNT (part of the basic Depositor Package) Includes 2 free-of-charge withdrawals/account transfers per month CARDS CREDIT CARDS Annual fees (applies also to co-branded K-Plussa cards as of 1 April 2016) Annual fee for basic-level MasterCard and Visa Credit/Debit and Credit cards, 2.5 % of credit limit 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 card, previously YkkösBonus MasterCard 3.00 Tiliraha MasterCard 4.00 Finnair Plus: Visa ja Visa Gold Cash withdrawal from a credit account using ebanking or from an ATM 2.00 + 2.5 % Euro-denominated cash withdrawals from an ATM 2.00 + 2.0 % DEBIT CARDS 1.50 (as of 1 April 2016 3.00) - Customers under the age of 18 Cash withdrawals Euro-dominated cash withdrawals within the EU (as of 1 April 2016 in all ATMs five free-of-charge withdrawals a month per account, additional withdrawals 0.60 each) - From Otto. ATMs in Finland - From other ATMs 0.60 CHANGES TO CARDS AND OTHER FEES Change to card design 10.00 Card renewal before the expiry date (e.g. change of name, replacement of a damaged card) 10.00 Reissuing of PIN 5.00 (If ordered through personal service, as of 1 April 2016 10.00) Changing PIN (requires card renewal) 10.00 Change to payment plan 5.00 (If ordered through personal service, as of 1 April 2016 10.00) Change to credit 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 invoice using payment envelope, per invoice 1.50 (as of 1 April 2016 2.00) Payment of invoice via personal service, per invoice Account transfer at branch or via telephone service 5.00 Payment of invoice in cash at branch 6.00 Payment of invoice as urgent payment 12.00 (as of 1 April 2016 15.00) Gift cheque 3.00 Money remittance Transfer to an account by phone or in a payment envelope 2.50 Withdrawal at a branch CASH DEPOSITING CASH (Funds collected by private individuals for savings purposes) Using a deposit ATM or at calculating centre Coins up to 100 Coins in excess of 100, % of value 2.50 % Banknotes

3 (5) Through personal service at a branch, deposits to own account Coins up to 10 Banknotes WITHDRAWAL OF SORTED CASH AT A BRANCH Order 5.00 - of value of banknotes 0.50 % - of value of coins 5.00 % ACCOUNT INFORMATION Balance enquiry using ATM 0.20 (as of 1 April 2016 0.30) Transaction enquiry using ATM 0.50 (as of 1 April 2016 0.75) Balance or transaction enquiry through personal 1.80 service (as of 1 April 2016 2.50) Balance or transaction enquiry ordered 0.25 as a text message, per message (+ mobile call charge) Agreed information sent as a text message, per message 0.25 Receipts / each Receipt ordered upon payment 1.80 (as of 1 April 2016 2.50) Receipt upon payment at branch Receipt ordered afterwards 5.00 Balance or interest statement (regarding a single account) 5.00 Audit letter (regarding total banking) 15.00 Account statement Monthly Printed account statement for ebanking customers 1.00 More than once a month / each 1.00 Account statement ordered afterwards / month 5.00 Pledging of an account (e.g. as rental deposit) 25.00 (as of 1 April 2016 30.00) Notices Notice of insufficient account coverage 5.00 Overdraft fee 10.00 - Overdraft facility 20.00 Letter of notice about overdraft 5.00 BANK IDENTIFIERS for bank identifiers (as of 1 April 2016 3.00) Renewal of bank identifiers or separate PIN codes 10.00 Sent by post 7.00 New security card to replace spent one (sent by post automatically) New security card to replace a lost one 10.00 Sent by post 7.00 Delivery of bank identifiers or separate PIN codes abroad Sent by post with acknowledgement of receipt 7.00 Sent by courier 45.00 Delivery of separate security card abroad Sent by post with acknowledgement of receipt 7.00 Sent by courier 45.00 TELEPHONE SERVICES Personal service Using bank identifiers 0200 2590 Mon Fri 9 am 4 pm Automated service Using bank identifiers 0200 2591 24/7 local network charge/ mobile call charge 0.06/min + local network charge/ mobile call charge INTERNATIONAL PAYMENT SERVICES FOREIGN CURRENCY Purchase of banknotes Order by ebanking 2.50 (collection at branch) Other 5.00 Redemption 5.00 PAYMENTS ABROAD Account transfer abroad as a SEPA payment - Euro-dominated account transfer in euro area - Beneficiary s account number in IBAN format - BIC/SWIFT code for beneficiary s bank provided - Remitter and beneficiary pay charges of their respective banks Account transfer abroad other than as a SEPA payment 10.00 Account transfer to customer s own account within the Danske Bank group (Finland, Denmark, Sweden, Norway, Ireland, Northern Ireland and Luxemburg, plus London, Hamburg and Warsaw) Urgent payment 35.50 International cheque 20.00 Bank sends the cheque by post to the principal or beneficiary Charges for full-amount payments If the remitter pays also the beneficiary s bank charges (payment in full to the beneficiary), the payment is subject to a surcharge 20.00 Danske Bank guarantees the delivery of the payment in full only as far as the correspondent bank. If the correspondent bank forwards the payment further, the transmitting bank or beneficiary 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

4 (5) 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 by a party other than the bank, per cheque 35.00 PAYMENTS FROM ABROAD Incoming SEPA payment (see rules for SEPA payments under Payments abroad) Other incoming payment from abroad 6.00 Encashment of cheques Cheque in foreign currency Cheque in euros To be paid in euro area 0.30 % or min. 13.00 0.30 % or min. 13.00 Drawn on Danske Bank 13.00 Drawn on other bank in Finland 0.20 % or min. 13.00 For cheques in currencies other than that of the paying country, any foreign bank fees shall be charged later. Cheque taken on collection basis - plus foreign bank fees and possible courier expenses Cheque returned unpaid - plus any other possible expenses, e.g. foreign bank fees 0.20 % or min. 45.00 max. 350.00 35.00 Traveller s cheques / each 1.00 - minimum per charge 5.00 Account statement Account statement or account statement duplicate drawn up separately, per page min. 5.00 Balance or interest statement drawn up separately 15.00 CLARIFICATION WORK Reports or services not shown in the price list and requested by the customer, such as clarifying previous transactions, shall be charged according to the actual work cost but no less than 100.00 for each full hour or part thereof. NOTES Payment default or other breach of contract shall be subject to costs that are the responsibility of the debtor. Such costs may include, for example, legal costs, collection agency expenses and fees charged by the enforcement authority. The amount of these costs are subject to existing legislation and the valid price lists of the service providers. Kiinteistömaailma and Danske Bank pay each other a commission for customer guidance cooperation ranging from 10 to 50 per case. These prices are the valid minimum rates that the bank is entitled to change. If the work costs arising from a customer s request exceed these rates, the actual work costs shall be charged. The bank is entitled to debit charges and fees from the customer s account. RECEIPTS, VOUCHERS AND NOTIFICATIONS FOR FOREIGN PAYMENTS Receipt, voucher or copy of a voucher / each 2.00 Postage inside Finland 2.50 Postage abroad: actual costs Notification of uncovered assignment sent by post 2.50 Queries and amendments 20.00 FOREIGN CURRENCY ACCOUNT Foreign currency deposit In cash at branch to a foreign currency account with Danske Bank The bank purchases banknotes at the purchase exchange rate for banknotes 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 banknotes at the selling exchange rate for banknotes. Account transfer As a domestic payment at branch or via telephone service 3.50 (as of 1 April 2016 30.00) As a foreign payment, see Payments abroad

5 (5) Discontinued services ACCOUNTS (off sale) RESERVE ACCOUNT (off sale) Includes 2 free-of-charge withdrawals/account transfers DEPOSIT ACCOUNT (off sale) Includes 4 withdrawals edeposit ACCOUNT (off sale) Includes 2 free-of-charge account transfers per calendar year using ebanking SMART ACCOUNT (off sale) No service fees, but if a withdrawal is made from the account or the account is closed, the interest rate for that month shall be half the base rate of the European Central Bank. CUSTOMER PACKAGE (off sale) EXTENDED PACKAGE (off sale) 10 000 1.00 50 000 2.90 BASIC PACKAGE (off sale) 10 000 2.00 50 000 4.90 CURRENT ACCOUNT PACKAGE (off sale) 10 000 2.00 50 000 4.40 Customers under the age of 26 (young persons benefit 100% ) YOUTH PACKAGE (off sale) Customers under the age of 28 Customers over the age of 28 (monthly fee) 6.40 - Discounts as per Basic Package ECONOMY PACKAGE (off sale) 6.40 All packages include: - Current account : access to ebanking, Mobile Bank and Telephone Services - ebanking archive - Card purchases and online payments - Invoice payments using ebanking and automated payment service - Cash withdrawals from Otto. ATMs and at branches - Account statement (sent to ebanking archive for ebanking customers) Extended Package also includes: - MasterCard Gold Credit/Debit combination card - Visa Gold credit card - Travel insurance associated with the cards - Overdraft facility without establishment fee up to 1 000 - Currency exchange orders using ebanking or at branch - Reserve account with more favourable credit interest rate (12-month Euribor -0.80%, min. 0.5%) - 25% discount on subscription fees for most popular funds Basic package also includes: - Visa credit card - Overdraft facility without establishment fee up to 500 Youth package also includes: - MasterCard Credit/Debit combination card - Visa credit card - Visa Electron card - Overdraft facility without establishment fee up to 200 - Currency exchange orders using ebanking or at branch Economy package also includes: - Visa Electron card *Savings and investments taken into consideration: 1) Euro-denominated deposits held at Danske Bank 2) The market value of fund shares managed by Danske Invest Fund Management Ltd 3) The market value of Mandatum Life Insurance Company Ltd s investment and pension insurance policies ordered through Danske Bank 4) The residual book value of bonds held in custody accounts at Danske Bank 5) The market value of securities held in custody accounts at Danske Bank Discounts are based on the lowest total of the month. If a customer package is prepared for two persons jointly, the price of the package is determined according to the total savings and investments of the holder of the main account.