Fees for businesses. EUR Currency. The price list has been updated on 14 May

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Elfrieda Daniel
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1 Fees for businesses EUR Currency The price list has been updated on 14 May

2 1. CURRENT ACCOUNT Account Opening Minimum balance Over the counter withdrawal charge (for 1.00 amounts up to 2,000.00) Cash withdrawal above , % Cash Withdrawal in Foreign Currency: coins 0-10, , , above 50, USD $ 0.10 $ % CHF SFr SFr % GBP % A 48 hours notice is required for cash withdrawals in EUR and foreign currencies, for amounts above 100,000 A 24 hours notice is required for cash withdrawals in EUR and foreign currencies, for amounts above 10,000 Main branch in Prishtina* 50, Other branches in Kosovo** 25, Subbranches*** 10, Payments and deposits Third party cash deposits 2.00 Between Raiffeisen Bank accounts 1.00 in Kosovo (applicable only out of packages, for ME segment) Standing order - agreement 1.00 (applicable only out of packages, for ME segment and concluded in the Automatic transfers 1.00 (applicable only out of packages for ME segment and for the agreement concluded in the bank) Standing order via Free of charge e-banking and transfers via e-banking For and from other banks in Kosovo 1.50 Transfers to other banks in Kosovo via 1.00 E-banking (applies to micro enterprises)/me CFA payments paid in the branch 3.00 (applicable to ME segment only) CFA payments paid in the branch (applicable tomesegment only and out of the package)

3 CFA payments via e-banking (applicable to ME segment only) GIRO payments in the branch (applicable to ME segment only) GIRO payments via e-banking (applicable to ME segment only) Free of charge 1.50 Free of charge Electronic salary processing 0.20% Manual salary processing 1.00 për pagë Salary corrections 5.00 for improvement International money transfer outside Kosovo (outgoing) For non package clients through the branch For non package clients via e-banking For package clients through the branch 0.3%, min , max. 1, %, min , max. 1, %, min , max. 1, For package clients via e-banking 0.3%, min , max. 1, International money transfer outside Kosovo (outgoing) Micro Enterprises (ME) Segment 0.25%, min , max. 1, Payments within Raiffeisen Group (incoming and outgoing): up to 12, from 12, to 50, above 50, Research on outgoing transfers less than 3 months Investigations on outgoing transfers more than 3 months 10.00, plus third party charges 10.00, plus third party charges Damaged money 3.0%, min Cash Deposit, applicable to third 1.00 parties Coins deposit (over 100 pieces) 5%, min

4 Account statement fee ( for the first time) Account maintenance fee Closing of account Payment form copy (if required after more than 6 months) 0.50 As per current account package 5.00 Visa confirmation 2.50 Account confirmation (for non 2.50 package clients) Other fees ESCROW account fee Change of collateral/guarantor fee Account closure confirmation fee Account authorization fee 5.00 *Main branches in Prishtina: Prishtina 1, Corporates, Mortgage/Home Centre, Fushë Kosova and Prishtina V **Other branches in Kosovo: Mitrovica, Peja, Gjilan, Gjakova, Prizren, Ferizaj, Ferizaj 2 (Ben Af) and Mitrovica North *** Sub branches: Vushtria, Kamenica, Malisheva, Kaçanik, Shterpca, Graçanica, Rahovec, Prishtina Bill Klinton Boulevard, Vitia, Podujeva, Prishtina - UNMIK Central Administration, Suhareka, Istog, Klina, Lipjan, Prizren - Shadërvan, Drenas, Prishtina - Sunny Hill, Airport, Dardani, Vranjevc, Gorenje, Obiliq, Taslixhe, Dragash, Prizren 3, Mitrovica subbranch, Shtërpca, Shtime, Hani i Elezit, Ferizaj 3, Rahovec, Gjakova subbranch, Deçan, Peja subbranch, Gjilan subbranch. 2. TIME DEPOSIT ACCOUNTS (for ME segment clients) Note: Effective interest rates shall be calculated pursuant to CBK Opening of account Minimum balance 10,000, 10,000 GBP, 10,000$, 10,000 CHF Transfer at maturity in current / savings account *Time Deposit Accounts are available for current account package clients only Please, contact client relationship officer for the interest rates If the agreement is terminated prior to maturity, penalty fee shall apply 3. FLEXI DEPOSITS (for ME segment clients only) Interest rate for existing clients with a 0.3% current account package Interest rate for existing clients without a 0.1% current account package Interest rate for new clients 0.01% 4

5 Account Opening Minimum balance for interest calculation 1, You may withdraw money twice a month (for existing clients), respectively once a month for new clients Penalty fee after the first withdrawal, respectively the second one 4. SAVINGS ACCOUNT Interest rate for existing clients with a current account package Interest rate for existing clients without a current account package % 0.1% Interest rate for new clients 0.01% Account Opening Minimum balance Cash transactions * Transfers from SME Savings Account are allowed within Raiffeisen Bank in Kosovo. However, the number of transfers is limited to five transfers within a month. * Transfers from SME Savings Account to other banks in Kosovo are not allowed. Remark: The Bank shall apply these conditions to existing clients starting from 1 January For existing clients with no financial product or package with the bank, whose accounts were opened up to the end of 2009, their contracts shall be terminated. For existing clients with no financial product or package with the bank, whose accounts were opened from 2010, a maintenance fee of 1.99 EUR shall apply. 5. SMS Top Up Service Monthly maintenance fee (applicable for non current account package clients) 0.20 SMS Top Up fee or any service (applicable for non current account package clients) CHEQUES Cheque book fee E - BANKING Web option application 5.00 SMS option application 5.00 Bank ID or 1.00 per month 5

6 Smart Card Smart Card Reader Web option maintenance Smart Card Maintenance fee per user 0.50 per month 1.00 per month SMS Option Maintenance fee per user 0.50 per month Price per SMS 0.20 Password reset ( for the first and second) For Web option Replacement of a lost, stolen or damaged card or card reader Re-issuance of smart card Re-issuance of smart card reader CARDS Card issuance fee VISA Electron, VISA Classic, Debit Master Card (valid for ME segment and out of packages) POS payments Card maintenance fee VISA Electron VISA Classic Debit Master Card Card transaction fees Cash withdrawal from Raiffeisen Bank ATMs in Kosovo, within bank premises (for non package clients) per month 0.20 Cash withdrawal from Raiffeisen Bank ATMs in Kosovo, outside bank premises (for non package clients) 0.30 Cash withdrawal from any other bank 2.5%, min ATMs Cash withdrawal from banks outside 2.5%, min Kosovo (cash counters or money exchange bureaus) Card payments outside Kosovo 1% Other services PIN code reset on client request 2.50 Replacement of a lost, stolen or damaged card

7 Exchange transaction fee in foreign 2% currencies Charge back procedure expenses VISA CREDIT CARD - BUSINESS CARD Note: Effective interest rates shall be calculated pursuant to CBK regulation Annual fee Cash withdrawal from Raiffeisen Bank ATM / cash counter Cash withdrawal from ATM / cash counter in the country Cash withdrawal from ATM / cash counter outside the country POS payments within Raiffeisen Bank network 2.00% min % min % min POS payments in the country 1% POS payments outside the country and 1% online payments Card issuance 5.00 Card replacement 5.00 Monthly statement fee First warning letter fee 5.00 Second warning letter fee 5.00 Third warning letter fee 5.00 Annual interest rate 24.9% Annual penalty interest rate 36% Cash Withdrawals 50% Minimum payment 5% / 100% 7

8 9. CURRENT ACCOUNT PACKAGE BUSINESS START package includes services below: 1.99 Account Opening Debit Card (Visa Electron, Visa Classic and Debit Master) One account statement per month Monthly account maintenance fee SMS Top Up Service Discount on fees for national transfers via E-banking (applicable to Micro Segment only) BUSINESS PLUS package includes services below: 3.99 Opening of account Debit Card (Visa Electron, Visa Classic and Debit Master) Two account statement per month Monthly account maintenance fee Debit Card monthly maintenance fee One Interbank transfer SMS banking service activation E-Banking / M-Banking activation E-Banking / M-Banking maintenance Cash withdrawal in the bank up to 5, per day without provision SMS Top Up Service Discount on fees for national transfers via E-banking (applicable to Micro Segment only) BUSINESS PROFESSIONAL package includes free of charge services below: 6.99 Opening of account Debit Card (Visa Electron, Visa Classic and Debit Master) Two account statement per month Monthly account maintenance fee Debit Card monthly maintenance fee Three interbank transfers SMS banking service activation SMS banking maintenance E-Banking / M-Banking activation Master and Credit Card maintenance for the first year Cash withdrawal in the bank up to 5, per day without provision SMS Top Up Service USD Account maintenance fee Discount on fees for national transfers via E-banking (applicable to Micro Segment only) Free of charge Bank ID or E-Banking Off line 50% cheaper (applicable to Micro Segment only) And: 50% discount on E-banking Offline monthly maintenanc 10% discount on insurance premium 8

9 BUSINESS PREMIUM package includes free of charge services below: Opening of account Debit Card (Visa Electron, Visa Classic and Debit Master) Two account statement per month Monthly account maintenance fee Debit Card monthly maintenance fee Three interbank transfers SMS banking service activation SMS banking maintenance E-Banking activation E-Banking / WEB monthly maintenance E-Banking / OFFLINE monthly maintenance Master and Credit Card maintenance for the first year Cash withdrawal in the bank up to 10, per day without provision SMS Top Up Service USD Account maintenance fee Discount on fees for national transfers via E-banking (applicable to Micro Segment only) Bank ID (applicable to Micro Segment packages only) Access fee for E-Banking Offline, including Smart Card and Card Reader And: 15% discount on insurance premium 10. LOANS Note: Effective interest rates shall be calculated pursuant to CBK regulation Business Loans Amount 5, , Interest rate for new clients Interest rate for existing clients Administrative expenses Prepayment provision Penalty interest rate for arrears 20% without PPI 19.7% with PPI 18% without PPI 17.7% with PPI 2% 50% of remaining interest 3% monthly Amount 10, , Interest rate for new clients 14% without PPI 13.7% with PPI 9

10 Interest rate for existing clients Administrative expenses Prepayment provision Penalty interest rate for arrears 13% without PPI 12.7% with PPI 2% 50% of remaining interest 3% monthly Amount 50, , Interest rate for new clients Interest rate for existing clients Administrative expenses Prepayment provision Penalty interest rate for arrears 13.5% without PPI 13.2% with PPI 12.8% without PPI 12.5% with PPI 1% 50% of remaining interest 3% monthly Agro Loans Amount 5, , Interest rate for new clients Interest rate for existing clients Administrative expenses Prepayment provision Penalty interest rate for arrears 19% without PPI 18.7% with PPI 17% without PPI 16.7% with PPI 2% 50% of remaining interest 3% monthly Amount 10, , Interest rate for new clients Interest rate for existing clients Administrative expenses Prepayment provision 14% without PPI 13.7% with PPI 13% without PPI 12.7% with PPI 2% 50% of remaining interest 10

11 Penalty interest rate for arrears 3% monthly Amount 50, , Interest rate for new clients Interest rate for existing clients Administrative expenses Prepayment provision Penalty interest rate for arrears 13.5% without PPI 13.2% with PPI 12.8% without PPI 12.5% with PPI 1% 50% of remaining interest 3% monthly PPI KEYMAN SILVER M KEYMAN GOLD M ASSET STANDARD M ASSET EXTEND M K.SILVER+ASS.ST K.GOLD+ASS.STAN K.SILVER+ASS.EX K.GOLD+ASS.EX 0.03% of disbursed amount on 0.07% of disbursed amount on 0.03% of disbursed amount on 0,035% of disbursed amount on 0,055% of disbursed amount on 0,095% of disbursed amount on 0.06% of disbursed amount on 0.1% of disbursed amount on Note: Existing clients are clients who have at least 6 months of credit history with the bank. Preferential interest rates and administrative expenses shall be offered to Micro segment clients on ongoing bases. 11

12 Complains or comments? For any complain, please send SMS for free at 50223, contact the Contacting Center at , sent an to customer. or send a letter in our mail address, Eqrem Çabej, No. 8, Prishtina, Kosovo, addressed to Client Service Department. Contact Center: web: info@raiffeisen-kosovo.com TB05/2015

Fee for private individuals

Fee for private individuals EUR Currency The price list has been updated on 14 May 2015 www.raiffeisen-kosovo.com 038 222 222 1. CURRENT ACCOUNTS Account Opening Minimum balance Over the counter withdrawal