ACCOUNT OPENING, PAYMENTS... 2 1. Current Account... 2 2. Pension account (EUR)... 2 3. Cash Operations... 2 4. Outgoing payments... 3 5. Incoming payments... 4 6. Identification of payments, bank statements and certificates... 4 PAYMENT CARDS... 5 7. Maestro... 5 8. Pension card Maestro... 5 9. Maxi Savings account payment card MC Standard... 6 10. 3D Savings Account payment card MC Standard... 6 11. MasterCard Standard... 6 12. MasterCard Gold... 6 13. Payment card limits... 7 14. Other payment card services... 7 DEPOSITS... 7 15. Term deposit... 7 16. Savings account... 7 17. Maxi Savings account... 8 18. 3D Savings Account... 8 E-SERVICES... 8 19. Citadele Online Banking... 8 20. Electronic account management system DIGI::FIRMA... 8 21. Authorization devices... 9 22. Limits of authorization devices... 9 LOANS... 9 23. Loans and financing for private customers... 9 24. Loans and financing for business customers... 10 25. Bank s guarantees (for business customers)... 12 26. Letter of credit... 12 27. Collection... 13 1
ACCOUNT OPENING, PAYMENTS 1. Current Account Resident Non resident 1.1. Opening of Current Account (for private customers) 50 EUR Resident of EU member state 35 EUR 1.2. Opening of Current Account (for business customers) 100 EUR Registered in EU member state (except Cyprus, Luxembourg, Malta, United Kingdom ) 70 EUR 1.3. Opening of Start-Up Account (for business customers) - 1.4. Opening of Current Account in Citadele banka (Latvia) 20 EUR + courier service fee 20 + courier service fee 1.5. Preparation of an authority (for private customers) 1.6. Authentication of signature and stamp samples on the bank card (Free of charge when opening a Current Account) 7 EUR 7 EUR 1.7. Maintenance of Current Account (for private customers) 1.8. Maintenance of Current Account (for business customers) 0.64 EUR per month 5 EUR per month 1.9. Closing of Current Account 1.10. Annual interest rate for credit balance 0% 0% 2. Pension account (EUR) Pension recipient (resident, private individual) 2.1. Opening of account 2.2. Maintenance fee of account 2.3. Power of attorney issue 2.4. Closing of account 2.5. Cash withdrawal in Citadele Bank 2.6. Outgoing payments According to the fees for outgoing payments 2.7. Interest income 0% 2.8. Interest rate for term deposit Interest rates for term deposits + 0.15% 2.9. Interest rate for savings account Interest rates for savings accounts + 0.15% 3. Cash Operations 3.1. Cash depositing to one's own account in EUR (banknotes) 3.2. Cash depositing to one's own account in EUR (coins) 1 0.1%, min 1.60 EUR; up to 20 EUR (inc.) free of charge 3.3. Cash depositing to an underage account in EUR 3.4. Cash depositing to another person's account in EUR 0.1%, min 1.60 EUR 3.5. Cash depositing in RUR currency 6.5% 3.6. Cash depositing in USD currency 1 0.25%, min 2 USD 3.7. Cash depositing in other currency 1 0.4%, min 1.60 EUR 3.8. Cash withdrawal in EUR 0.4%, min 1.60 EUR 3.9. Cash withdrawal from an underage account in EUR 0.4 %, min 1.60 EUR; up to 10 EUR (incl.) free of charge 3.10. Cash withdrawal in USD currency 0,5%, min 2 USD 3.11. Cash withdrawal in other currency 0.5%, min 1.60 EUR 2
3.12. Currency exchange in cash (if the customer is not a client of the Bank) 1 EUR 3.13. Cash reservation (starting from the amount of 6 500 EUR or its equivalent in any other currency) 3.14. Cancelling the cash reservation 38.35 EUR 3.15. Withdrawal of the non-reserved cash on the same day 5% of the sum 3.16. Exchange of coins for banknotes 1%, min 1.60 EUR 3.17. Exchange of coins 1%, min 1.60 EUR 3.18. Exchange of banknotes (EUR) 0.5%, min 0.96 EUR; up to 50 EUR (incl.) free of charge 3.19. Exchange of banknotes (other currencies) 1%, min 1.60 EUR 3.20. Replacement of damaged banknotes (EUR) 3.21. Replacement of damaged banknotes (other currencies) 15% 3.22. Verification of banknotes on client s request 0.20 EUR / per banknote 1 to one's own term deposit with a term from 1 month free of charge 4. Outgoing payments 4.1. Payments within the Citadele group 4.1.1. Payment within Citadele bank (including to the Estonian, Latvian and German branches) between accounts of same customer in Citadele Online Banking in Bank s office, Citadele Online Banking payments which are processed manually 1 1.50 EUR 4.1.2. Payment within Citadele bank (including to the Estonian, Latvian and German branches) between accounts of different customers 4.1.3. EU- payment 2 to Citadele bankas (in Lithuania) and to AP Anlage&Privat Bank AG (Switzerland) 0.10 EUR 1.50 EUR 0,38 EUR 1.50 EUR 4.1.4. International payment to Citadele bankas (in Lithuania) and to AP Anlage&Privat Bank AG (Switzerland) 4.2. Local payments 2 EUR 4 EUR 4.2.1. Estonian local payment 0.38 EUR 1.50 EUR 4.2.2. Estonian local payment for owner of Pension account and Pension card 4.2.3. Urgent Estonian Local payment (can be transferred during 9.00 17.30) 4.3. Regular payments 0.20 EUR 1.50 EUR 6.39 EUR 10 EUR 4.3.1. Registration of regular payment order 4.3.2. Execution of regular payment order 4.4. International payments The service fee for the respective payment order in Citadele Online Banking 4.4.1. EU payment 2 0.38 EUR 1.50 EUR The service fee for the respective payment order in Citadele Online Banking 4.4.2. International payment in CIS state countries currencies (RUR, KZT, BYR) to the other banks, charges paid by remitter (OUR) 3 21.09 EUR 23 EUR 4.4.3. International payment in CIS state other currencies According to the fee for International payment 4.4.4. International payment, charges shared equally (SHA) 4 4.47 EUR 10 EUR 4.4.5. Urgent international payment, charges shared equally (SHA) 4 10.23 EUR 13 EUR 4.4.6. International payment, charges paid by the remitter (OUR) 5 21.09 EUR 23 EUR 4.4.7. Urgent international payment, charges paid by the remitter (OUR) 5 31.96 EUR 35 EUR According to the fee for International payment 3
5. Incoming payments 5.1. Incoming within Citadele bank (including from Estonia, Latvia and Germany branches) 5.2. International incoming from Citadele bankas (Lithuania) and AP Anlage & Privat Bank AG (Switzerland) 5.3. Estonian local incoming 5.4. Incoming EU payment 2 5.5. International incoming 6 5.75 EUR (or its equivalent in payment currency) 1 Payment orders which are executed through the Citadele Online banking will be processed manually by a bank officer if the field Information to the Bank is filled. 2 Terms and conditions of an EU-payment: the currency of the payment is EUR; payment type regular, SHA; correct remitter's and beneficiary's IBAN, as well as remitter's and beneficiary's bank BIC code at the payment; the field payment details has to be filled in correctly; beneficiary's bank is located in a European Union country (also Iceland, Liechtenstein, Norway, Switzerland, Gibraltar, Guadeloupe, Martinique, French Guyana, Reunion). 3 If RUR, BYR, KZT currencies are bought in any other freely convertibles currencies during the payment day then there is no maintenance International payment charges will be paid by remitter (OUR) And payment type is Regular 4 Remitter pays the service fee of Citadele bank and the beneficiary pays the service fee of all other banks (SHA) 5 Remitter pays the services fees of both Citadele bank as well as those of foreign banks. In case the service fee of the beneficiary's bank exceeds the fee paid by the remitter for the beneficiary, the respective difference of the service fees shall be charged automatically from the remitter's current account. When executing international payments in currencies LVL, EUR, BGN, CZK, DDK, GBP, HUF, ISK, LTL, NOK, PLN, ROL or SEK to a beneficiary who s Current Account is located in a bank at European Economic Area (EEA) and t he payment is made from the Current Account with the same currency (no currency conversion is made), then the selected payment type can only be SHA (shared costs). When converting the currency for the payment it is possible to select the OUR (costs paid by remitter) as payment type. 6 in addition the beneficiary pays the service fees of all banks intermediating the payment; in case the payment in received "in full amount by the beneficiary" the beneficiary only pays the service fees of the correspondent banks 6. Identification of payments, bank statements and certificates 6.1. Identification, improvement and revocation of Estonian local payments and payments within Citadele bank (including branches in Estonia, Latvia and Germany) 3.20 EUR 6.2. Identification and investigation of international payments: 6.2.1. regarding payments that are up to 3 months old 16 EUR + the actual costs of foreign banks 6.2.2. regarding payments that are over 3 months old 32 EUR + the actual costs of foreign banks 6.3. Amendments or revocation, cancellation of international payments: 6.3.1. the payment not sent out of the Bank 15 EUR + the actual costs of foreign banks 6.3.2. the payment has been sent out of the Bank 26 EUR + the actual costs of foreign banks 6.4. Copy of a SWIFT message 3.20 EUR 6.5. Authentication of a copy of a bank operation 1 EUR 6.6. Account statements: 6.6.1. Monthly account statement at the Bank's office 1.60 EUR 6.6.2. Random account statement at the Bank's office 0.1 EUR per page, min 1.60 EUR 6.6.3. Account statement in Citadele Online banking 6.6.4. Account statement by e-mail 1.60 EUR 6.6.5. Account statement by post in Estonia 1.60 EUR 6.6.6. Account statement by post outside Estonia 0.1 EUR per page, min 3,20 EUR 6.6.7. Account statement by fax in Estonia 1.60 EUR 6.6.8. Account statement by fax outside Estonia 0.1 EUR per page, min 3.20 EUR 6.7. Certificate regarding the existence and status of the one account 1.60 EUR 6.8. Certificate regarding the existence and status of the several accounts 3.20 EUR 6.9. Certificate for the auditors 20 EUR 6.10. Other certificates, confirmations 3.20 EUR 4
6.11. Non-standard certificates, confirmations 15 EUR 6.12. Statement from Commercial Register 1.60 EUR 6.13. Copy of bank's documents 3.20 EUR 6.14. Issue of copies and statements to the revenue officers 0.35 EUR / per page 6.15. Inquiry/seizure act processing and execution 15 EUR PAYMENT CARDS 7. Maestro EUR card USD - card 7.1. Monthly fee of a card and of a supplementary card 1 EUR 1 USD 7.2. Monthly fee of a card for up to 18-year-olds free of charge 1 USD 7.3. Replacement of a card 2 EUR 3 USD 7.4. Purchase of goods and services in Estonia and outside of Estonia free of charge free of charge 7.5. Cash withdrawal from ATM-s in Estonia and outside of Estonia: 7.5.1. for private customers 1 EUR + 0,5% 3 USD + 2,5% 7.5.2. for business customers 1 EUR + 2,5% 3 USD + 2,5% 7.6. Cash withdrawal from Citadele bank according to the fee for cash withdrawal from current account according to the fee for cash withdrawal from current account 7.7. Cash withdrawal from other banks 2 EUR + 2,5% 5 USD + 2,5% 7.8. Outgoing payments from card accounts according to the fees for outgoing payments according to the fees for outgoing payments 7.9. Annual credit interest rate 22% 22% 7.10. Annual interest rate for the late payments (higher annual credit interest rate (additionally to the annual credit interest rate)) 45% 45% 7.11. Penalty interest rate 0,2% per day 0,2% per day 8. Pension card Maestro EUR - card (only for residents of the Republic of Estonia (private individuals), who receive pension) 8.1. Monthly fee of a card and a supplementary card 8.2. Replacement of a card 2 EUR 8.3. Purchase of goods and services in Estonia and outside of Estonia 8.4. Cash withdrawal in Citadele Bank 8.5. Cash withdrawal in other banks 2 EUR + 2,5% 8.6. Cash withdrawal from ATM-s in Estonia and outside of Estonia according to the fees for Maestro card 8.7. Overdraft penalty 0.2% per day 8.8. Outgoing payments from card account according to the fees for outgoing payments 8.9. Interest rate for term deposit Interest rates for term deposits + 0.15% 8.10. Interest rate for savings account Interest rates for savings accounts + 0.15% 5
9. Maxi Savings account payment card MC Standard EUR card 9.1. Monthly fee of a card and of a supplementary card 9.2. Replacement of a card 6.50 EUR 9.3. Purchase of goods and services in Estonia and outside of Estonia 9.4. Cash withdrawal from ATM-s in Estonia and outside of Estonia 2 EUR + 2,5% 9.5. Cash withdrawal from other banks 2 EUR + 2,5% 9.6. Penalty interest rate 0,15% per day 10. 3D Savings Account payment card MC Standard EUR card 10.1. Monthly fee of a card 1 EUR 10.2. Monthly fee of a supplementary card 10.3. Replacement of a card 6.50 EUR 10.4. Purchase of goods and services in Estonia and outside of Estonia 0,5% of sum 10.5. Cash withdrawal from ATM-s in Estonia and outside of Estonia 2 EUR + 2,5% 10.6. Cash withdrawal from Citadele and other banks 2 EUR + 2,5% 10.7. Overdraft penalty 0,2% per day 10.8. Outgoing payments from card account According to 3D Savings Account 11. MasterCard Standard EUR card USD - card 11.1. Monthly fee of a card and of a supplementary card 1.60 EUR 2.50 USD 11.2. Replacement of a card 6.50 EUR 9.30 USD 11.3. Purchase of goods and services in Estonia and outside of Estonia free of charge free of charge 11.4. Cash withdrawal from ATM-s in Estonia and outside of Estonia 2 EUR + 2,5% 3 USD + 2,5% 11.5. Cash withdrawal from Citadele bank and from other banks 2 EUR + 2,5% 3 USD + 2,5% 11.6. Outgoing payments from card accounts according to the fees for outgoing payment + 3% of the sum according to the fees for outgoing payment + 3% of the sum 11.7. Annual credit interest rate 22% (till 45 days is interest-free credit) 22% (till 45 days is interest-free credit) 11.8. Annual interest rate for the late payments (higher annual credit interest rate (additionally to the annual credit interest rate)) 45% 45% 11.9. Overdraft minimum monthly payment amount 5% of spent overdraft amount and 100% excess expenditure 5% of spent overdraft amount and 100% excess expenditure 11.10. Overdraft penalty 0,2% per day 0,2% per day 12. MasterCard Gold EUR card USD - card 12.1. Monthly fee of a card 5 EUR 6.50 USD 12.2. Monthly fee of a supplementary card 3 EUR 4.20 USD 12.3. Replacement of a card 6.50 EUR 9.30 USD 12.4. Purchase of goods and services in Estonia and outside of Estonia free of charge free of charge 12.5. Cash withdrawal from ATM-s in Estonia and outside of Estonia 2 EUR + 2,5% 3 USD + 2,5% 12.6. Cash withdrawal from Citadele bank and from other banks 2 EUR + 2,5% 3 USD + 2,5% 6
12.7. Outgoing payments from card accounts according to the fees for outgoing payment + 3% of the sum according to the fees for outgoing payment + 3% of the sum 12.8. Annual credit interest rate 22% (till 45 days is interest-free credit) 22% (till 45 days is interest-free credit) 12.9. Annual interest rate for the late payments (higher annual credit interest rate (additionally to the annual credit interest rate)) 45% 45% 12.10. Overdraft minimum monthly payment amount 5% of spent overdraft amount and 100% excess expenditure 5% of spent overdraft amount and 100% excess expenditure 12.11. Penalty interest rate 0,2% per day 0,2% per day 13. Payment card limits Resident Non-resident EUR USD EUR USD 13.1. Monthly limit for cash withdrawal 13 000 EUR equivalent 13 000 EUR 13 000 EUR equivalent 13 000 EUR 13.2. Daily limit for cash withdrawal 700 EUR equivalent 700 EUR 1 400 EUR equivalent 1 400 EUR 13.3. Daily limit for cash withdrawal transactions 10 10 10 10 13.4. Daily limit for payments in a commercial enterprises 15 15 15 15 14. Other payment card services EUR card USD - card 14.1. Unblocking of payment card on customer s order, which was blocked three times entering incorrect PIN code 1 2 EUR 3 USD 14.2. Balance review: 14.2.1. In Citadele banka (Latvia) ATM network free of charge free of charge 14.2.2. In ATM networks of other banks (if the service is available from ATM) 14.3. Change of PIN-code (service is rendered in Citadele banka cash dispensing ATMs in Latvia) 1 EUR 2 USD 4 EUR 4 USD 14.4. Extra charge for currency exchange 4,3% 4,3% 14.5. Card account statement According to the fees for Current account According to the fees for Current account 14.6. Annual interest rate for credit balance 0% 0% 14.7. Card account closure 14.8. Mailing of notice about delayed repayment 10 EUR 13 USD 1 Service is available one in 24 hour period DEPOSITS 15. Term deposit 15.1. Conclusion of a contract for the term deposit 15.2. Term deposit interest rates, currencies and minimal amounts Information from the Bank 15.3. Maintenance fee for cancelling deposit contract before maturity date 16. Savings account 16.1. Opening of Savings Account (for private and business customers) 16.2. Cash depositing to Savings account According to the fees for cash depositing to current account 16.3. Cash withdrawal from Savings account without a notice of 7 calendar days According to the fees for cash withdrawal from current account + 1 % of sum 7
16.4. Outgoing payments from Savings account to Customer s own current account with a notice of 7 calendar days 16.5. Outgoing payments from Savings account to Customer s own current account without a notice of 7 calendar days According to the fees for outgoing payments According to the fees for outgoing payments + 1% of sum 16.6. Annual interest rate, currency and minimal amount Information from the Bank 16.7. Closing of Savings Account 17. Maxi Savings account EUR 17.1. Opening of Maxi Savings account 17.2. Cash depositing to Maxi Savings account According to the fees for cash depositing to current account 17.3. Cash withdrawal from Maxi Savings account without a notice of 7 calendar days 17.4. Outgoing payments from Maxi Savings account to Customer s own current account with a notice of 7 calendar days 17.5. Outgoing payments from Maxi Savings account to Customer s own current account without a notice of 7 calendar days According to the fees for cash withdrawal from current account + 1 % of sum According to the fees for outgoing payments According to the fees for outgoing payments + 1 % of sum 17.6. Closing of Maxi Savings account 18. 3D Savings Account EUR, USD 18.1. Opening of 3D Savings Account 18.2. Opening of Current Account in conjunction with opening of 3D Savings Account 18.3. Outgoing payments from 3D Savings Account to Customer s Current Account in Citadele with a notice of 3 calendar days 18.4. Outgoing payments from 3D Savings Account to other client s account in Citadele or to account in other bank with a notice of 3 calendar days 18.5. Outgoing payments from 3D Savings Account to Customer s Current Account, to other client s account in Citadele or to account in other bank without a notice of 3 calendar days 18.6. Cash withdrawal from 3D Savings Account without a notice of 3 calendar days According to the fees for outgoing payment According to the fees for outgoing payment + 1% of sum According to the fees for cash withdrawal from current account + 1% of sum 18.7. Cash deposit to 3D Savings Account According to the fees for cash depositing to current account 18.8. Closure of 3D Savings Account E-SERVICES 19. Citadele Online Banking Resident Non resident 19.1. Conclusion of a contract 19.2. Monthly maintenance fee 19.3. Re-activation of Citadele Online Banking 20. Electronic account management system DIGI::FIRMA Resident Non resident 20.1. Conclusion of a contract 20.2. Certificate 1.60 EUR 5 USD 20.3. Monthly maintenance fee 16 EUR 20 USD 20.4. Installation and instructions for use (upon customer's request) 40 EUR Service is not available 8
20.5. Consultation by phone or by e-mail 20.6. Consultation at a location determined by the customer 16 EUR Service is not available 21. Authorization devices Resident Non resident 21.1. Code Card issue 21.2. New Code Card issue 3.20 EUR 3.20 EUR 21.3. PIN calculator issue 15 EUR 15EUR 21.4. Unlock of locked PIN calculator (in case locked during the use of Citadele Online Banking) 21.5. PIN calculator replacement due to technical reasons 6 EUR 6 EUR 21.6. Issue of PIN calculator DIGIPASS 50 EUR 50 EUR 21.7. Unlock of locked PIN calculator DIGIPASS (in case locked during the use of Citadele Online Banking) 21.8. Replacement or unlock of locked PIN calculator DIGIPASS (in case locked due to customer's fault) 32 EUR 32 EUR 21.9. Replacement of PIN calculator DIGIPASS due to technical reasons 21.10. ID-card reader 6.10 EUR - 22. Limits of authorization devices Resident Non resident 22.1. Establishing a limit for Code Card Max 200 EUR per day and 4 000 EUR per month 22.2. Establishing a limit for PIN calculator Max 26 000 EUR per transaction and 80 000 EUR per day Max 200 EUR per day and 4 000 EUR per month Max 26 000 EUR per transaction and 80 000 EUR per day 22.3. Establishing a limit for PIN calculator DIGIPASS No limit No limit 22.4. Establishing a limit for Estonian ID-card No limit No limit LOANS 23. Loans and financing for private customers 23.1. Mortgage Loan 23.1.1. Contract fee 2% of the loan amount, min 211 EUR 23.1.2. Execution of amendments 23.1.2.1. additional loan amount granting, loan maturity term extension, interest rate amendments, loan currency change 23.1.2.2. offered loan security owner change, offered loan security change 23.1.2.3. Execution of amendments to the other provisions of the agreement, not mentioned in paragraph 23.1.2.1 or 23.1.2.2. 1% of the loan amount, min 160 EUR 0.5% of unpaid credit or credit line sum 45 EUR per each document 23.1.3. Fee for an advanced repayment The amount of 3 months interest (will not be applied in case of a notice of 3 months) 23.1.4. Notice regarding arrears 10 EUR 23.2. Housing Loan 23.2.1. Contract fee 1,2% of the loan amount, min 160 EUR 23.2.2. Execution of amendments: 23.2.2.1. additional loan amount granting, loan maturity term extension, interest rate amendments, loan currency change 1% of the loan amount, min 160 EUR 23.2.2.2. offered loan security owner change, offered loan security 0.5% of unpaid credit or credit line sum 9
change 23.2.2.3. Execution of amendments to the other provisions of the agreement, not mentioned in paragraph 23.2.2.1 or 23.2.2.2 45 EUR per each document 23.2.3. Fee for an advanced repayment The amount of 3 months interest (will not be applied in case of a notice of 3 months) 23.2.4. Notice regarding arrears 10 EUR 23.3. Leasing 1 23.3.1. Contract fee for capital lease Up to 1% of the asset's acquisition value, min 180 EUR 23.3.2. Contract fee for operating lease Up to 1.5% of the asset's acquisition value, min. 180 EUR 23.3.3. Execution of amendments: 23.3.3.1. Changing the payment date 30 EUR 23.3.3.2. Repayment holiday 65 EUR 23.3.3.3. extension/reduction of the contract period 100 EUR 23.3.3.4. Execution of amendments to the other provisions of the agreement, not mentioned in paragraph 23.3.3.1, 23.3.3.2. or 23.3.3.3. 23.3.4. Payment of the amount of penalty of the parking order 15 days overdue Up to 1% of the unpaid balance, min 75 EUR 20 EUR + incurred expenses 23.3.5. Ordering a notarized power of attorney 23 EUR + incurred expenses 23.3.6. Power of attorney to Estonian Motor Vehicle Registration Centre (ARK) for changing the owners in the technical passport 23.3.7. Power of attorney to Estonian Motor Vehicle Registration Centre (ARK) for registering/ writing off the object 23.3.8. Registering a security in Estonian Motor Vehicle Registration Centre (ARK) 10 EUR State fee + 25 EUR 23.3.9. Issuing of invoice on paper 2 EUR 23.3.10. Notice regarding arrears 10 EUR 1 The other party of the leasing contract is OÜ Citadele Leasing & Factoring, VAT will be added to the service fees 24. Loans and financing for business customers 24.1. Investment loan, Credit line 24.1.1. Contract fee, including increase in amount of loan/credit line 24.1.1.1. Investment loan 1% of the loan amount, min 160 EUR 24.1.1.2. Credit line 0.5% of the loan amount, min 130 EUR 24.1.2. Execution of amendments 24.1.2.1. Changes in repayment schedule with loan maturity term extension: 24.1.2.1.1. up to 3 month 0.1%, min 130 EUR 24.1.2.1.2. up to 1 year 0.2%, min 260 EUR 24.1.2.1.3. above 1 year 1%, min 260 EUR 24.1.2.2. Changes in the loan repayment and/or interest payments (without changes of the maturity); changes in the type of the interest rate; loan currency exchange; changes in the type of the loan from credit to the credit line or vice versa; loan security owner change; loan security change 24.1.2.3. Execution of amendments to the other provisions of the agreement, not mentioned in paragraph 24.1.2.1 or 24.1.2.2 0.2%, min 160 EUR 45 EUR per each document 10
24.1.2.4. Credit repayment before the term provided for by the agreement or reduction in credit line limit: 24.1.2.4.1. Client's money funds free of charge 24.1.2.4.2. Third person's money funds up to 2% of the repaid loan amount or credit line limit, min 710 EUR 24.1.3. Notice regarding arrears 10 EUR 24.2. Overdraft facilities 24.2.1. Contract fee (incl. renewal of the contract) 0,5% of the loan limit, min 128 EUR 24.2.2. Amending the terms and conditions of the contract 0,5% of the loan limit, min 128 EUR 24.2.3. Notice regarding arrears 10 EUR 24.3. Microcredit 24.3.1. Contract fee, including increase in amount of credit/credit line 24.3.1.1. credit 2% of the loan amount, min 210 EUR 24.3.1.2. credit line 2% of the loan amount, min 280 EUR 24.3.2. Execution of amendments According to the fees for investment loan, credit line 24.3.3. Notice regarding arrears 10 EUR 24.4. Factoring 1 24.4.1. Contract fee 1% of the factoring limit, min 180 EUR 24.4.2. Invoice processing fee Up to 1% of the amount of the invoice 24.4.3. Written remainder to the buyer regarding unpaid invoice(s) 5 EUR 24.5. Leasing 1 24.5.1. Contract fee for capital lease Up to 1% of the asset's acquisition value, min 180 EUR 24.5.2. Contract fee for operating lease Up to 1.5% of the asset's acquisition value, min. 180 EUR 24.5.3. Execution of amendments: 24.5.3.1. Changing the payment date 30 EUR 24.5.3.2. Repayment holiday 65 EUR 24.5.3.3. extension/reduction of the contract period 100 EUR 24.5.3.4. Execution of amendments to the other provisions of the agreement, not mentioned in paragraph 24.5.3.1, 24.5.3.2. or 24.5.3.3. 24.5.4. Payment of the amount of penalty of the parking order 15 days overdue Up to 1% of the unpaid balance, min 75 EUR 20 EUR + incurred expenses 24.5.5. Ordering a notarized power of attorney 23 EUR 24.5.6. Power of attorney to Estonian Motor Vehicle Registration Centre (ARK) for changing the owners in the technical passport 24.5.7. Power of attorney to Estonian Motor Vehicle Registration Centre (ARK) for registering/ writing off the object 24.5.8. Registering a security in Estonian Motor Vehicle Registration Centre (ARK) 10 EUR State fee + 25 EUR 24.5.9. Issuing of invoice on paper 2 EUR 24.5.10. Notice regarding arrears 10 EUR 24.6. Small ticket leasing 1 24.6.1. Contract fee (up to 8 000 EUR) 50 EUR 24.6.2. Contract fee (starting from 8 001 EUR 32 000 EUR) 100 EUR 11
24.6.3. Contract fee (starting from 32 001 EUR - ) Up to 1% of the sum 24.6.4. Premature repayment of the contract On agreement with OÜ Citadele Leasing&Factoring 24.6.5. Amending the terms and conditions of the contract 75 EUR 24.6.6. Issuing of invoice on paper 2 EUR 24.6.7. Notice regarding arrears 10 EUR 1 The other party of the leasing contract is OÜ Citadele Leasing & Factoring, VAT will be added to the service fees 25. Bank s guarantees (for business customers) 25.1. Consideration of an application for guarantee / Consideration of amendments 25.2. Execution of a guarantee: 25.2.1. if the security is cash assets (except deposit) 0.3% of the guarantee amount, min 90 EUR 25.2.2. if the security is deposit or the other security, not mentioned in paragraph 25.2.1 0.8% of the guarantee amount, min 175 EUR 25.3. Increasing in guarantee amount, increase in guarantee term 25.3.1. if the security is cash assets (except deposit) 0.3% of guarantee amount regarding which amendments are made to, min 90 EUR 25.3.2. if the security is deposit or the other security, not mentioned in paragraph 25.3.1 25.4. Amendments to guarantee (except for amendments mentioned in paragraph 25.3), amendments to the guarantee letter execution contract 0.8% of guarantee amount regarding which amendments are made to, min 175 EUR 75 EUR 25.5. Use of guarantee: 25.5.1. if the security is cash assets (except deposit) 0.8% annual of guarantee amount 25.5.2. if the security is deposit 1% annual of guarantee amount 25.5.3. if the security is the other security, not mentioned in paragraph 25.5.1. or 25.5.2 From 3% annual of guarantee amount 25.6. Repayment of guarantee/ Processing of payment demand 0.2% of the amount to be repaid, min 175 EUR 25.7. Notification of guarantee issued by another bank 0.1% of guarantee amount (min 90 EUR, max 435 EUR) 25.8. Notification of amendments to provisions of guarantee issued by another bank 75 EUR 25.9. Postal charges Actual expenses + 7.35 EUR 25.10. Notification by S.W.I.F.T., at issue of the guarantee 15 EUR 25.11. Other correspondence by S.W.I.F.T. 7.35 EUR 26. Letter of credit 26.1. Import letter of credit 26.1.1. Consideration of an application for import letter of credit 26.1.2. Execution of a new import letter of credit 0.25% of the amount of import letter of credit (min. 170 EUR) 26.1.3. Increase in amount of the import letter of credit 0.25% of the increased amount of import letter of credit (min. 70 EUR) 26.1.4. Modifications in the terms of import letter of credit (except for increase in amount of the import letter of credit), revocation or cancellation of undrawn import letter of credit, changes in the agreement on issuance of the import letter (-s) of credit 70 EUR 26.1.5. Inspection of documents, payment 0.2% of amount of documents (min 170 EUR) 26.1.6. Deferred payment fee 70 EUR 12
26.1.7. Fee for differences in the submitted documents 70 EUR 26.1.8. Consulting in filling-in application form, drafting of the import letter of credit 40 EUR 26.1.9. Notification by SWIFT at issue of the import letter of credit 20 EUR 26.1.10. Other notification/correspondence by SWIFT 7 EUR 26.2. Export letter of credit 26.2.1. Preliminary notification on issue of the export letter of credit 40 EUR 26.2.2. Notification on issue of the export letter of credit 0.1% of the amount of export letter of credit (min 85 EUR, max 430 EUR) 26.2.3. Processing and coordination of the Export letter of credit example 40 EUR 26.2.4. Modifications in the terms of export letter of credit, revocation or cancellation of undrawn export letter of credit 26.2.5. Inspection of documents, payment: 70 EUR 26.2.5.1. Inspection of documents and payment 0.2% of amount of documents (min 215 EUR) 26.2.5.2. Payment of documents 0.2% of amount of documents (min 140 EUR) 26.2.6. Payment of export letter of credit without documents presented 0.1% the amount of export letter of credit (min 85 EUR, max 430 EUR) 26.2.7. Transfer of export letter of credit 0.15% of transferred letter of credit amount (min 215 EUR) 26.2.8. Cession of export letter of credit 0.1% of cession amount (min 140 EUR, max 710 EUR) 26.2.9. Confirmation of the other bank s letter of credit on the security of money funds at the bank 26.2.10. Confirmation of the other bank s letter of credit without the security of money funds at the bank 1% annually of the export letter of credit amount (min 140 EUR) by agreement (min 355 EUR) 26.2.11. Consulting in preparation of the documents 30 EUR for each document 26.2.12. Notification by SWIFT on transfer of export letter of credit 20 EUR 26.2.13. Other notification/correspondence by SWIFT 7 EUR 27. Collection 27.1. Receipt of documents for payments and/or acceptance 0.1% min 80 USD 27.2. Collection notice (advising) 50 USD 27.3. Issue of documents in exchange for payment 0.1% min 100 USD 27.4. Amending terms and conditions, instructions, withdrawal of collection 50 USD 27.5. Returning documents to the remitter's bank 50 USD 27.6. Issue of documents returned from the contragent's bank 30 USD 27.7. Postal charges Actual expenses + 10 USD 27.8. S.W.I.F.T./ telex message 10 USD 13