Product Catalogue of NLB Prishtina- Price List

TERM DEPOSIT CURRENT ACCOUNT PRIVAT INDIVIDUAL BUSINESS Account opening Account authorization 2.00 2.00 Account maintenance (Monthly) Fee for over the counter cash withdrawal (excludes account types for Pensioners, Students and Social assistance 0.60 (payable 6 months in advance) Upto 500.00 : 0.20 From 500.01 to 50,000.00 : 0.30 Over 50,000.01 : 0.05% 1.00 ( payable 6 months in advance) Upto 500.00 : 0.20 From 500.01 to 50,000.00 : 0.30 Over 50,000.01 : 0.05% Fee for cash withdrawal of Exchange Bureau Upto 500.00 : 0.20 From 500.01 upto 50,000.00 : 0.30 From 50,001 upto 100,000 : fee 2, From 100,001 upto 150,000 : fee 3 Over 150,000 : fee 0,05% Coins withdrawal over 100 pieces 0.01, 0.02, 0.05 (CBK Charge) 1.5% Deposit of coins (over 100 pieces) (CBK Charge) 5% 5% Deposit of coins (over 100 pieces) for VIP clients from the List of NLB clients exempted from COINS DEPOSITS fee Deposit over the counter of children 5.00 5.00 Free Deposit / Replacement of old GBP banknotes 1 % min. 0.50 GBP 1 % min. 0.50 GBP Deposits upto 60 months in EURO 3 months 6 months 12 months 13 months 0.00% 0.00% 0.10% 0.15% For calculated interest earned out of the proceeds of time deposits, the tax is calculated at the rate applied in Kosovo established by the Fiscal Authority and all costs are borne by client. Note: For legal entities, interest rates on term deposits, savings etc. are negotiable 24 months 36 months 48 months 60 months 0.20% 0.70% 1.00% 1.50% Remark: Term deposits amounts in Euro for a period of 13 to 60 months withdrawn ahead of schedule, avista interest rate is not calculated Note: For legal entities, interest rates on term deposits, savings etc. are negotiable Deposits with monthly payable interest 12 months 13 months 24 months 36 months 48 months 60 months 0.00% 0.05% 0.10% 0.60% 0.90% 1.40% Remark: The minimum amount of cash Term Deposit (TDA), for all types of term deposits is EUR 100. Note: For legal entities, interest rates on term deposits, savings etc. are negotiable Interest rate structure for Saving Account (Only for Private Individuals) Account opening Minimum sum deposited 10 Account maintenance Interest rate of Private Individual Saving Account 0.10% Interest rate of Children s Saving Account 0.50% Note: For legal entities, interest rates on term deposits, savings etc. are negotiable Remark: Private individual Saving Account is conditioned by opening current account. Payments / international transactions (MT) and domestic payments (inter-bank) cannot be performed from savings. Permissible transactions from savings account are only to current account and vice versa as well as cash withdrawals and deposits. Interest rates on Loans Cash cover Business Loans Term Interest rate Management costs Cash cover Loan / Loan based on blocking TDA For the duration of TDA 1.50% 0.00% Cash cover Loan / Loan based on blocking TDA but For the duration of TDA receiving interest rate from TDA 1.50% above interest rate of deposit 0.00% Business Loans Amount in EUR Term Interest rate for clients Fee new existing Credit Line Revolving Upto 50,000 Upto 12 months 12.80% I 12.50% 1.00% Overdraft Upto 50,000 Upto 12 months 12.80% I 12.50% 1.00% Loans for working capital Upto 50,000 Upto 36 months 12.00% I 11.00% 1.00% Loans for asset investment Upto 50,000 Upto 84 months 11.50% I 10.00% 1.00%

Product Catalogue of NLB Prishtina- Price List Private individual Loans Term Interest rate Management costs Private individual cash loans for salary receivers Upto 60 months 10.50% 1.00% 24 Hour Loan Upto 60 months 10.50% 1.00% Cash cover Loan / Loan based on blocking TDA For the duration of TDA 1.50% 0.00% Cash cover Loan / Loan based on blocking TDA but receiving For the duration of TDA 1.5% above interest rate of deposit 0.00% interest rate from TDA Consumer Loans at business partners Upto 60 months 10.00% 1.00% Car Loans at business partners Upto 60 months 9.50% new car 10.00% used car 1.00% 1.00% Loans for house purchase and construction, land or residential Upto 240 months 9.50% 1.00% apartment purchase upto 150.000 Loans for house or apartment renovation upto EUR 50.000 Upto 96 months 10.20% 1.00% Overdraft for Private individuals (Upto 200% of net salary) Upto 36 months 14.00% - 100% of salary 16.00% - 200% of salary Penalty interest 0.08 % daily Agriculture loans based on the guarantee scheme DCA Programme Investment Loans NLB Prishtina USAID DCA Minimum amount 200 5,000 Amount upto According to procedures 160,000 ( 200,000 USD) Maximum amount 12-60 months 12-60 months Interest 10% 9% Fee 1% 1% Loans for working capital Minimum amount 200 5,000 Amount upto According to procedures 160,000 ( 200,000 USD) Maximum amount 6-36 months 6-36 months Interest 11% 10% Fee 1% 1% Credit lines and overdraft Maximum amount 1/10 of turnover with NLB 1/10 of turnover with NLB ( max 160,000 or 200,000 USD) Term 12 months 12 months Interest 12.80% - 12.50% 10% Fee 1% 1% Product service Visa Classic Debit- Personal Banking PERSONAL BANKING Compensation Issuance and maintenance with unique design Maestro card Issuance Monthly maintenance 0.15 Visa Credit Card- Master Card SMS TopUp SMS balance SMS Duo Tv E-klik access on internet transfer for various transfers and bill payments TDA Loan products Direct Debit and Standing order NLB WELCOME (applies also for clients outside of personal banking package) Monthly account maintenance 1.50 1.50% Issuance - Maintenance during the first year 0.10 per SMS 0.10 per SMS 0.10 per SMS Token ; Maintenance EUR 1 per month Preferential rate Preferential interest rate and fees automatic bill payment ATM withdrawal Max. 700,00 POS payments Max. 1,000.00 Term Deposits for Personal Banking clients above 12 months 12 months 13 months 24 months 36 months 48 months 60 months 0.20% 0.25% 0.30% 0.80% 1.10% 1.60% Remark: For deposits with monthly interest payment for Personal Banking clients apply regular rates, which are 0.20 under the rates for Personal Banking clients. Private individual loans within Personal Banking package Term Interest rate Management costs Cash Loans upto 5000 Upto 24 months 5.99% 1.00% Cash Loans over 5000 Upto 60 months 6.99% 1.00% 24 hour loans Upto 60 months 6.99% 1.00% Cash cover Loan / Loan based on blocking TDA For the duration of TDA 1.50% 0.00% Cash cover Loan / Loan based on blocking TDA but receiving For the duration of TDA 1.5% above interest rate of deposit 0.00% interest rate from TDA Consumer Loans at business partners Upto 60 months 6.99% 1.00%

Product Catalogue of NLB Prishtina- Price List Car Loans (new car) at business partners Upto 60 months 6.99% 1.00% Loans for house purchase and construction, land or residential Upto 240 months 6.99% 1.00% apartment purchase upto 150.000 Loans for house or apartment renovation upto EUR 50.000 Upto 96 months 6.99% 1.00% Overdraft for private individuals Upto 36 months 14.00% - 100% of salary 0.00% 16.00% - 200% of salary Visa Revolving MasterCard Maintenance during first year free of charge VCC: 24% MCC: POS-15%; ATM-16% Penalty interest 0.08% daily PACKAGE SME PRODUCTS IN PACKAGE COMPENSATION Account opening Account monthly maintenance Issuance of Debit card Debit card monthly maintenance 0.15 Visa Credit Card E-klik with Token (20% deduction) 16 E-klik monthly maintenance 1 Overdraft 12.50%, Upto 10,000 no fee, Over 10,000-0.5% Investment capital Loan 10.00%, Upto 10,000 no fee, Over 10,000-0.5% Working capital Loan 11.00%, Upto 10,000 no fee, Over 10,000-0.5% Car Loan 9.00%, Upto 10,000 no fee, Over 10,000-0.5% Monthly package maintenance 2 SUPER PACKAGE Type of Loan Budgetary and stable company Other Budgetary and stable Other company Interest Interest Fee Fee Cash Loan upto 5000, upto 24 5.99% 8.99% 1.00% 1.00% months Cash Loan over 5000, over 24 6.99% 8.99% 1.00% 1.00% months Consumer Loans at business 6.99% 7.99% 1.00% 1.00% partners Car Loans at business partners 6.99% 7.99% 1.00% 1.00% Loans for house purchase and 6.99% 7.99% 1.00% 1.00% construction, land or residential apartment purchase Loans for house or apartment 6.99% 7.99% 1.00% 1.00% renovation Overdraft 14.00%- 100% of salary 14.00%- 100% of salary 0.00% 0.00% 16.00%- 200% of salary 16.00%- 200% of salary Credit card Yearly interest rate according Yearly interest rate in Monthly maintenance to price list according to Price list Visa Credit Revolving 24.00% 24.00% 1.50 1.00 Master Card 15.00% in POS 15.00% in POS 1.50 1.00 16% in ATM 16% in ATM E-KLIK Monthly maintenance Monthly maintenance of Fees per transaction according to price list Standard option 1.00 1.00 According to Price List SMS Banking Service fees according to Price Service fees in Fees per transaction list according to Price list Notification if account activity 0.10 0.05 SMS Top Up Service fees according to Price Service fees in Fees per transaction list according to Price list Duo Tv, TopUp 0.10 0.10 National Transfer Transfer within NLB Prishtina bank Transfer within NLB Prishtina bank with e-banking Outgoing Inter-bank transfer over the counter Inter-bank transfer with e-banking Priority transfer Utility bill payments (public services) TRANSFERS 0.20 per transaction 1.50 per transaction 0.80 per transaction 4.00 per transaction Upto 10.00 : 0.50 per transaction Over 10.00 : 1.50 per transaction Payment of taxes and pension contributions Upto 10.00 : 0.50 Over 10.00 : 1.00 Payment of taxes and pension contributions with e-banking 0.50 Payment for University Semester and Library 0.50 GIRO payments for Public service company (KEDS, PTK, Regional water supply) GIRO payments for customs 1.50 GIRO payments for customs with e-banking 0.50 GIRO payments for Insurance Company 0.50 Monthly maintenance of Fees per transaction if in Fees per transaction if in

Incoming Inter-Bank Transfer incoming 1.00 Inter-Bank transfer incoming through ICS massive module Salaries Damages and other 1.00 per transaction Other Direct Debit for Debtor Within CBK scheme for DD - Within bank but outside CBK scheme for DD - 0.10 Direct Debit for Creditor According to the prior agreement International transfer Outgoing transfer 0.2% Minimum 15 (the same in equivalent) max. 1.000 (the same in equivalent) Outgoing transfer with e-banking 0.2% Minimum 15 (the same in equivalent) max. 1.000 (the same in equivalent) Amount of transfer from 50,001 Upto 250,000 during month 0.15 % Amount of transfer over 250,001 during month 0.1 % Outgoing transfer, option OUR Upto 5,000 From 5,000 upto 12,500 From 12,500 upto 50,000 Over 50,000 Outgoing transfer, option OUR for Turkey Upto 5,000 From 5,000 upto 12,500 From 12,500 upto 50,000 Over 50,000 Plus 10 Plus 15 Plus 25 Plus 50 Plus 10 Plus 15 Plus 20 Plus 30 Payments to private individuals within NLB Group Payment order upto 3,000.00 fee: 6.00 Payment order from 3,000.00 upto 100,000.00- fee: 0.2% of amount. Payment order over 100,000.00 max fee : 200.00 Payments to Legal entities within NLB Group 0.15%, min. 15.00, max 750 Incoming transfer BEN and SHARE Fee Upto 200.00 5.00 201.00 upto 10,000.00 10.00 Over 10,000.00 0.1% max 1,000 euro Payments of NLB Group for legal entities 0.1% max. 750 Claims initiated by clients 10.00 + third party costs Payment order upto EUR 3,000.00 fee: 6.00, Payment order from EUR 3,000.00 upto EUR 100,000.00 fee: 0.2% of amount. Payment order over EUR 100,000.00 max fee: 200.00 NLB Group member Banks NOVA LJUBLJANSJA BANKA DD, LJUBLJANA NLB TUZLANSKA BANKA DD,TUZLA NLB TUTUNSKA BANKA AD, SKOPJE NLB MONTENEGROBANKA AD, PODGORICA NLB RAZVOJNA BANKA AD, BANJA LUKA NLB BANKA AD, BEOGRAD SWIFT code LJBASI2X TBTUBA22 TUTNMK22 MNBAMEPG RAZBBA22 CONARS22 LETER of CREDIT Documentary L/C 1. L/C for import with cash cover of 100 % a) LC Issuance 0.60% yearly, min 50 b) L/C Confirmation from corresponding Bank Depending on correspondent bank fee c) Document control (per document set) 50.00 d) Payment of L/C (per document set) 35.00 e) L/C for import with TDA 0.80% yearly, min 50 2. L/C for imports financed by bank a) LC Issuance 4.00 % yearly, min 100 b) Administration fee 0.5 % min. 10.00 c) L/C Confirmation from corresponding Bank Depending on correspondent bank fee d) Document control (per document set) 50.00 e) Payment of L/C (per document set) 35.00 f) Transfer of L/C 0.2%, min. 30.00 3. Export L/C (Loro) a) Notification 0.2 % min. 50 b) Transfer of L/C 0.2%, min. 30.00 c) Document control (per document set) 50.00 d) Return of documents required by issuer/beneficiary 30.00 + DHL expenses 4. General Cancelation of L/C prior to expiry date 25.00 Amendment of LC 25.00 + value added fee and/or validity extension (based on approved rate) SWIFT expenses 5.00 L/C confirmation According to the prior agreement

GUARANTIES I. National Guaranties cash cover (blocking funds) 0.50% yearly, min. 25.00, max. EUR 200.00 II. National Guaranties covered by blocking TDA 0.60% yearly, min 25.00 III. National Guaranties financed by bank 3.00% yearly, min 50.00 Administration fees for all Guaranties financed by bank 0.5% min. 10.00 IV. National Guaranties for tender purposes Cash TDA 35.00 one-time fee Financed 0.2%, Min. 50.00, Max. 200.00 Special, without cash and collateral Upto 25,000.00-70.00, Over 25,000.00 0.3%, Max. 500.00 Amendment in terms of guaranties for tender purposes V. Support Letter VI. International Guaranties a) Guaranties covered with cash (blocking funds) 0.50% yearly min. 50.00, max. 200.00 + corresponding bank fee b) Guaranties covered with TDA (blocking TDA) 0.60% yearly, min 50.00 + corresponding bank fee c) Guaranties financed by bank 3.50 % % yearly, min 50.00 + corresponding bank fee Administration fees for all Guaranties financed by bank 0.50% min. 10.00 General Amendment in guarantee terms EXTENSION OF TERM AND/OR VALUE INCREASE Cash based on approved rate (min. 25.00, max. EUR 200.00 per National Guarantee, and min. 50.00, max. EUR 200.00 per International Guarantee) TDA based on approved rate (min. 25.00 per National Guarantee, and min. 50.00 per International Guarantee) Financed (with collateral) based on approved rate (min. 50.00 per National or International Guarantee) General Amendment in guarantee terms (without EXTENSION OF TERM AND/OR VALUE INCREASE) Cash TDA Financed (with collateral) SWIFT expenses 5.00 Payment for contested National Guaranties 10.00 Payment for contested International Guaranties 20.00 Delivery of Guarantee accepted by the bank (without obligation for NLB Prishtina) Përcjellja e garancionit / Forwarding guarantee 0.1%, min. 35.00, max. 250.00 Amendment of guaranties 35.00 Request for payment and/or notification etc. 35.00 Issuance / Confirmation of Guarantee (with obligation for NLB Prishtina): Issuance of guarantee based on counter-guarantee from first class bank 1.5 % yearly, min. EUR 100.00 or as priory agreed Amendment (not including extension or value increase) 50.00 Request for payment and/or notification etc. 35.00 Documentary collection (Inkasot) Documentary collection against payment (D/P) 0.4% min. 50.00 max. 300.00 (includes presentation to the importer, the payment and the issuance of documents) Documentary collection - Exempted from payment 0.2% min. 35.00 max. 100.00 Amendments 10.00 Research at the request of importer 10.00 Return of unaccepted documents 10.00 + postal expenses Documents sent for collection 100.00 + postal expenses Sending Instructions / Documents Arranging guidelines for collection 35.00 Research at the request of exporter 10.00 Payment 10.00 Cancelling of collection 35.00 Cheque collection International Cheque upto 100.00 EUR International Cheque over 100.00 EUR Return of unpaid cheques Sending Cheque for collection EUR 10.00 per cheque Upto EUR 100.00 or equivalent of this amount + foreign bank expenses (for private individual and legal entity clients) Private individual: Over EUR 100.00 or equivalent of this amount, 1.5% of the amount, minimum EUR 15.00 + foreign bank expenses Legal entities: Over EUR 100.00 or equivalent of this amount, 0.5 of the amount, minimum EUR 15.00 + foreign bank expenses 10.00 + foreign bank expenses Regular post free of charge, Courier, DHL or other plus courier expenses ESCROW Agreements Expenses for mediation in ESCROW agreement Private individual: 0.08% min. EUR 15.00 or as priory agreed Legal entity: 0.08% min. EUR 20.00 or as priory agreed Services for Bonds (letra me vlerë) Custody Commission for buying Bonds in the primary market Eur 5.00 ( price per transaction) Commission for buying Bonds in the international market Eur 5.00 + corresponding bank fee Custody fee- monthly 0.08% of Bond market value (Bond portfolio) min. 25.00

Debit Cards Maestro Cards Visa Cards Issuance Monthly card maintenance 0.15 0.15 Card replacement (damaged, lost/stolen) 2.50 2.50 Card replacement (expired) Issuance of card for authorized person 2.50 2.50 Re-issuance of PIN code 1.00 1.00 Fee of Exchange rate abroad 1% 1% Chargeback procedure 20 20 ` ATM withdrawal (in bank premises) 0.10 0.10 ATM withdrawal (outside bank premises) 0.15 0.15 ATM withdrawal (NLB Group) 1 1 POS payment 0 % 0 % ATM withdrawal (other banks home and abroad) Upto 150 - fee 3 Upto 150 - fee 3 Over 150 - fee 2 % Over 150 - Fee 2 % Withdrawal at banks abroad (cash counter, exchange bureaus) Upto 150 - Fee 3 Over 150 - Fee 2 % Upto 150 - Fee 3 Over 150 - Fee 2 % Account balance Remark: The maximum amount available for withdrawal by card within 24 hours is upto 500 EUR, while POS payment is 1000 EUR. Credit Cards Master Card Visa Credit Revolving Master Card Cash Cover Issuance Monthly card maintenance 1.50 1.50 ATM withdrawal (in NLB Prishtina ATM) Upto 200 -Fee 3 Over 200 -Fee 2% Upto 250 -Fee 5 Over 250 - Fee 2% Upto 200 -Fee 3 Over 200 -Fee 2% ATM withdrawal (other banks home and abroad) Upto 200 - Fee 5 Over 200 - Fee 2.5% Upto 250 -Fee 5 Over 250 - Fee 2% Upto 200 - Fee 5 Over 200 - Fee 2.5% POS and internet payment 0% 0% 0% Fee of Exchange rate abroad 1% 1% 1% Chargeback procedure 20.00 20.00 20.00 Interest on ATM withdrawal 16% 24% 12% Interest on POS payment 15% 24% 4% First warning 5.00 5.00 5.00 Second warning 10.00 10.00 10.00 Penalty interest 0.08% daily 0.08% daily 0.08% daily Card replacement (damaged, lost/stolen) 5.00 5.00 5.00 Re-issuance of PIN code 2.50 2.50 2.50 Issuance of card for authorized person 5.00 5.00 5.00 Card balance Remark: VISA CREDIT CARD: Yearly interest 24 %, minimum payment 5% of the total outstanding balance, grace period max. 45 days E- KLIK Product Services for Private individual and legal entities Fee Account opening Token 20.00 Re-activation fee (unblocking the token) 3.00 Monthly maintenance for Web package (Limited access) 0.80 Monthly maintenance for Full package (Full access) 1.00 SMS BANKING Product-Service Fee User registration for SMS services SMS TopUp (mobile, DUO TV, Internet, Fix) 0.10 SMS account balance 0.10 SMS notification for TopUp 0.04 SMS Notification 0.10 OTHER SERVICES Visa confirmation for embassy 2.50 Special request by the client for documents Within 6 months - 2, After 6 months - 5 Proof of clients credit obligations 5 Letter recommendation reference on account turnover 5 Statement confirmation on auditors request 5 Proof of bank expenses 5 Salary payment list 5 per hard copy