Nordea Bank AB Lithuania branch Price List For private customers

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1 Nordea Bank AB Lithuania branch Price List For private Valid from 1st of July 2015 Daily Banking Package Gold Monthly fee for the Daily Banking Package Payment cards ( Maestro / IKI PREMIJA Maestro): Monthly card maintenance fee Cash deposit and withdrawal: 2 at Bank ATMs in Lithuania (up to ) at Nordea group s ATMs (up to ) Domestic payments in EUR via Netbank: 2 Outgoing payment between customer own account within Bank Outgoing payment to other customer account within Bank Outgoing payment to another Lithuanian bank Payment for utility services or bills Administration of funds in EUR transferred to customer accounts: Incoming payments within Bank Incoming payments from another Lithuanian bank 1 The same fee applies for reissuing. 2 For withdrawals of more than per month a fee of 0.40 % of the amount, but no less than 0.29 is applied for the transaction exceeding the monthly limit and for all other transactions executed during the month. 3 If services are not included in the Package, they are charged according to the standart Pricelist. Accounts Gold Bank account Opening of Bank account Maintenance of Bank account Opening fee for non-residents (EU citizens) Opening fee for non-residents (not EU citizens) Account closing fee Annual default interest on unauthorized debit balance of bank account % Annual interest on credit balance of current accounts 1

2 Savings account Opening of Savings account Maintenance of Savings account Savings account closing Annual interest on credit balance Minimum amount of the first payment According to established interest rates , USD Funds transfer from Savings account to Bank account: First transfer from one saving account the same currency during calendar month Subsequent transfers during the same calendar month 0.20 % from amount, min Information on accounts Statement of account balance: Preparation and issuing of account/ payment card statement in Nordea Netbank Statement of last five transactions received in bank ATM Preparation and issuing of account/ payment card monthly statement for current year at the Bank office Preparation and issuing of account/ payment card statement for previous years at the Bank office 1.45 for each month, max for each year Previous calendar month account statement preparation and sending by post within Lithuania 1.45 Certificates, document copies: Certificate on income and assets tax declaration (via Nordea Netbank and at the Bank office) Preparation of bank confirmation, letter, authorization upon customer s request (in Lithuanian and English language) Except the information which has to be provided free of charge according to the laws of the Republic of Lithuania Preparation of bank confirmation about account balance (in Lithuanian and English language) 5.79 Sending an account statement and other documents: By registered post within Lithuania/ outside Lithuania 2.90 / 5.79 By fax within Lithuania/ outside Lithuania (per page) 1.45 / 5.79 Document sending by courier According to the tariffs of courier post Nordea Netbank services Gold Registration fee Maintenance fee Replacement of Nordea Netbank password code table (in case of loss or on client s request) 3.00 per code table Login to Nordea Netbank with password Issuance of login code generator Unblocking of login code generator (Unblocking of login code generators is possible for three times. It is not possible to unblock login code generator after blocking it for the fourth time. In such cases new generators must be purchased.) 2

3 Administration of funds transferred to customer accounts Gold Domestic payments Payments within Bank: Incoming payments within Bank Payment currencies: AUD, BGN, CAD, CHF, CZK, DKK, GBP, HKD, HRK, HUF, JPY, KWD, NOK, PLN, RON, RUB, SEK, TRY, NZD and USD Incoming payments within Bank Payments from other Lithuanian banks: Incoming payments from other Lithuanian banks Payment currencies: AUD, BGN, CAD, CHF, CZK, DKK, GBP, HKD, HRK, HUF, JPY, KWD, NOK, PLN, RON, RUB, SEK, TRY, NZD and USD Incoming payments from other Lithuanian banks 1.45 SEPA payments Incoming SEPA payments within Bank Incoming SEPA payments from Nordea units bank accounts Incoming SEPA payments from other Lithuanian and foreign banks International payments: Payments from Nordea units bank accounts: Incoming payments from Nordea units bank accounts (just in Estonia and Latvia) Incoming payments from Nordea units bank accounts (except Estonia and Latvia) Payment currencies: DKK, GBP, NOK, PLN, RUB, SEK and USD Incoming payments from Nordea units bank accounts (just in Estonia and Latvia) Incoming payments from Nordea units bank accounts (except Estonia and Latvia) 8.69 Payments from other banks: Incoming payments from foreign banks (EU/EEA member states) Incoming payments from other foreign banks (from non EU/EEA member states) 8.69 Payment currencies: AUD, BGN, CAD, CHF, CZK, DKK, GBP, HKD, HRK, HUF, JPY, KWD, NOK, PLN, RON, RUB, SEK, TRY, NZD and USD Incoming payments from other foreign banks 8.69 Customer s account is debited with the same value date as the Bank receives the payment unless stated otherwise at fees of relative service. 3

4 Outgoing Domestic Payments Domestic money transfers within Bank Outgoing payment between customer own account Outgoing payment to other customer account Outgoing payments to State Tax Inspectorate or State Social Insurance Fund Board accounts Payment using Nordea E. payments Over the counter Gold via Nordea Netbank Gold The customer s account is credited and debited with the same value date. Payment currencies: AUD, BGN, CAD, CHF, CZK, DKK, GBP, HKD, HRK, HUF, JPY, KWD, NOK, PLN, RON, RUB, SEK, TRY, NZD and USD Outgoing payment between customer own account Outgoing payment to other customer account The customer s account is credited and debited with the same value date. Domestic money transfers to another Lithuanian bank Outgoing payment in EUR Payments are handled on banking days: - the same banking if payment is provided before cut-off time 16:00 - next banking day, if payment is provided after cut-off time 16:00 Payment currencies: AUD, BGN, CAD, CHF, CZK, DKK, GBP, HKD, HRK, HUF, JPY, KWD, NOK, PLN, RON, RUB, SEK, TRY, NZD and USD Payments without conversion in EU / EEA member states currencies in Lithuania payer s bank fees are paid by the payer and other bank fees are paid by the beneficiary. Additional fee for making payment if the payer pays another bank s charges. Payments in EUR or EU / EEA member states currencies are allowed if payment is with conversion Payments are handled on banking days: If the actual fees of a foreign bank exceed the fee debited from the payer, the Bank has the right to charge the payer s account additionally afterwards. - the same banking day, if payment is provided before cut-off time 13:00 - next banking day, if payment is provided after cut-off time 13:00 4

5 Outgoing SEPA Payments Outgoing SEPA payments to an account within the Bank Outgoing SEPA payments to Nordea units bank accounts Outgoing SEPA payments to other banks Payments are handled on banking days: Over the counter Gold via Nordea Netbank Gold the same banking if payment is provided before cut-off time 19:00 - next banking day, if payment is provided after cut-off time 19:00 Outgoing International Payments Over the counter Gold via Nordea Netbank Gold International money transfers to Nordea units bank accounts Outgoing payments Urgent payments Payments are handled on banking days: - the same banking if payment is provided before cut-off time 15:00 - next banking day, if payment is provided after cut-off time 15:00 Payment currencies: DKK, GBP, NOK, PLN, SEK, RUB and USD Outgoing payments to Nordea units bank accounts (except Estonia and Latvia) Outgoing payments to Nordea units bank accounts (just in Estonia, Latvia) Urgent payments Payments are handled on banking days: - the same banking if payment is provided before cut-off time 15:00 - next banking day, if payment is provided after cut-off time 15:00 For payments without conversion in EUR or EU / EEA member states currencies in Lithuania payer s bank fees are paid by the payer and other bank fees are paid by the beneficiary. Additional fee for making payment if other bank s charges pays payer* (only for payments in EUR or EU/EEA If the actual cost of foreign banks exceeds the fee debited from the payer, the Bank has the right to charge the payers account member states currencies with additionally afterwards. conversion and for payments in foreign states currencies) 5

6 International money transfers to other banks Outgoing payments to EU/EEA member states Outgoing payments to other foreign banks (except payments to EU/EEA member states) Urgent payments Payment currencies: AUD, BGN, CAD, CHF, CZK, DKK, GBP, HKD, HRK, HUF, JPY, KWD, NOK, PLN, RON, RUB, SEK, TRY, NZD and USD Outgoing payments Urgent payments For payments without conversion in EUR or EU / EEA member states currencies in Lithuania payer s bank fees are paid by the payer and other bank fees are paid by the beneficiary. Additional fee for making payment if other bank s charges pays payer (only for payments in EUR or EU/EEA If the actual cost of foreign banks exceeds the fee debited from the payer, the Bank has the right to charge the payers account member states currencies with additionally afterwards. conversion and for payments in foreign states currencies) Payments are handled on banking days: - on the second banking day, if payment in foreign currency or EUR outside EU or EEA member states is provided before cut-off time 17:00; on the third banking day, if payment in foreign currency or EUR is provided outside EU or EEA member states after cut-off time 17:00. - next banking day, if payment order or urgent payment in EUR to EU / EEA member states is provided before cut-off time 15:00; on the second banking day, if payment or urgent payment in euro is provided after cut-off time 15:00. - next banking day, if urgent payment in foreign currency or EUR is provided before cut-off time 15:00; on the second banking day, if urgent payment in foreign currency or EUR is provided after cut-off time 15:00. - the same banking day, if very urgent payment is provided before cut-off time 13:00; next banking day, if very urgent payment is provided after cut-off time 13:00. Other payments services Gold Payment for utility services or bills (via Nordea Netbank) Debit orders payment fee 0.87 Direct debit payments. Funds are debited from payer s account and transferred to the beneficiary Payment cancellation or amendment/investigation (in EUR) 5.79 plus other bank s fees if any International payment cancellation or amendment/investigation (in EUR and other currencies plus other bank s fees if any Payment investigation: within 6 months more than 6 months SWIFT copy as confirmation of transferred international payment Additional fee for making international payment according to initial documents (invoices, agreements etc.) Standing payment orders within Bank and to other Lithuanian banks plus other bank s fees if any plus other bank s fees if any 5.79 už vieną SWIFT`O kopiją 1.45 per payment order According to outgoing payments prices (via Nordea netbank) 6

7 Cash operations Gold Depositing cash banknotes into customer own account 0.05 %, min Depositing cash banknotes into another person s account 0.20 %, min Cash withdrawal from bank accounts 0.80 %, min Cash withdrawal from bank accounts if amount does not exceed 2.90 If amount exceeds (or equivalent in foreign currency), Bank should be informed before 1 Banking day: ordering EUR until 1 p.m., ordering foreign currency until 11 a.m. If amount exceeds (or equivalent in foreign currency), Bank should be informed before 2 Banking days: ordering EUR until 1 p.m., ordering foreign currency until 11 a.m. Cash pre-order Cancellation of cash pre-order 0.20 % from amount, max Coins exchange into banknotes (only in ) 4.50 % from amount, min Depositing of coins in EUR into customer own bank account/ deposit Currency exchange in cash 4.50 % from amount, min. 2.00, if amount does not exceed According to currency exchange rates Exchange of banknotes into banknotes of other denominations 1.00 % from amount, min 0.14 Re-counting of banknotes, without carrying out other bank operations 0.04 for a banknote Payment order submitted by the customer to transfer funds to other bank and needed amount for payment is given by cash (banknotes and (or coins), than bank for such transaction will only charge the fee for the requested payment, and will not charge additionally for cash depositing Term deposit withdrawal in EUR or foreign currencies: When cash is deposited in the currency of the term deposit on the day of concluding the term deposit agreement Other cases According to cash withdrawal fees Foreign cheques Gold Collection Return of unpaid cheque 1.00 %, min , max plus other bank s fees and mailing expenses 5.79 plus other bank s fees Deposits Gold Term deposits: Annual interest on credit balance Minimum amount required Term deposits with periodic interest payment: Annual interest on credit balance Minimum amount required According to established interest rates EUR, USD, GBP, NOK, DKK, SEK, PLN According to established interest rates EUR, USD 7

8 Mortgage / Cash - out loan Gold Interest rate Arrangement fee According to the agreement and Customer Advantage Program 0.35 % from amount, min % from amount, min Arrangement fee for loan increase 0.35 % from amount, min Amendments fee Amendment fee for payment method, payment day, dirbursment period changes % from amount, min Amendment fee for loan reapyment account change Other amendments fee Loan prepayment from personal funds (min. amount ): on interest determination day on other day Bank s reinvestment costs Charge for issuing the approval of remortgaging in favor of other creditor Other documents associated with credit (issue of references, confirmations, written permission, consent) preparation Data verification in Central Mortgage Office Annual default interest % from all overdue amount Nordea Home Flex Gold Interest rate According to the agreement and Customer Advantage Program Arrangement fee Arrangement fee for loan increase Amendments fee Notification on credit agreement period ending 5.79 per mailing Charge for issuing the approval of remortgaging in favor of other creditor Other documents associated with credit (issue of references, confirmations, written permission, consent) preparation 4.34 per mailing 2.9 per mailing Data verification in Central Mortgage Office Annual default interest Consumer Loans 4.00 % above loan interest rate, but not less than % of overdue amount Gold Interest rate According to the agreement and Customer Advantage Program Arrangement fee 1.00 % from credit amount min Amendments fee Loan prepayment Documents associated with credit (issue of references, confirmations, written permission, consent) preparation Annual default interest % of overdue amount Typical example: If a consumer loan of is granted for the period of 5 years with % consumer loan annual interest rate and single Agreement fee of (applicable on the day of loan disbursement), the total amount payable by the consumer equals to , total annual percentage rate of charge of consumer loan equals to %, and the loan monthly instalment would amount to Total cost of the credit to the consumer and annual percentage rate of charge are calculated pursuant to presumptions indicated in the legal acts of the Republic of Lithuania assuming that a year has 360 days. 8

9 Overdraft Gold Interest rate According to the agreement and Customer Advantage Program Arrangement fee 1.00 % from credit amount min Amendments fee Documents associated with credit preparation (issue of references, confirmations, written permission, consent) Annual interest rate for unauthorized overdraft % Typical example: If a consumer loan of is granted for the period of 1 years with % consumer loan annual interest rate and single Agreement fee of (applicable on the day of loan disbursement), the total amount payable by the consumer equals to , total annual percentage rate of charge of consumer loan equals to 18,56 %. Total cost of the credit to the consumer and annual percentage rate of charge are calculated pursuant to presumptions indicated in the legal acts of the Republic of Lithuania assuming that a year has 360 days. Other Services Gold Issuance of a reference (recommendation): According to the agreement, min Extraordinary work per hour, min Copying documents 0.58 per page Nordea 1, SICAV Investment funds Gold Equity funds Subscription fee 1.60 % 1.30 % 1.00 % Redemption fee 1.00 %, min Switch between equity funds 0.40 % 0.35 % 0.30 % Switch between equity and bond funds 0.70 % 0.60 % 0.55 % Switch between equity and reserve funds 0.90 % 0.85 % 0.80 % Regular investment 1.60 % 1.30 % 1.00 % Bond funds Subscription fee 0.60 % 0.50 % 0.40 % Redemption fee 0.50 %, min Switch between bond and reserve funds, switch between bond and bond funds 0.40 % 0.35 % 0.30 % Switch between bond and equity funds 1.00 % 0.80 % 0.60 % Regular investment 0.60 % 0.50 % 0.40 % 9

10 Reserve funds Subscription fee 0.30 % 0.25% 0.20 % Redemption fee 0.25 %, min Switch between reserve funds 0.03 %, min %, min %, min Switch between reserve funds and equity funds 1.30 % 1.05% 0.80 % Switch between reserve funds and bond funds 0.40 % 0.35% 0.30 % Regular investment 0.30 % 0.25% 0.20 % Nordea Funds of Funds, SICAV Investment funds Subscription fee 1.60 % 1.30 % 1.00 % Redemption fee 0.50 % min Switch between Nordea Funds of Funds, SICAV investment funds 0.60 % 0.50 % 0.40 % Regular investment 1.60 % 1.30 % 1.00 % Contingent fee can be applicable to two absolute return sub-funds: Nordea 1 - Heracles Long/Short MI Fund and Nordea 1 Multi Asset Fund. Contingent fee amounts to up to % per year. Management company s right to a contingent fee arises only subject to fulfillment of two conditions: net asset value per share has exceeded the minimum profitability ratio during a respective calendar year; net asset value per share has exceeded the previous all time highest net asset value per share at the end of the year. More information about the contingent fee calculation is provided in the prospectus of the aforementioned funds and in abbreviated prospectuses. Bank receives remuneration from fund management company for distributed investment funds. The amount of remuneration depends on the total value of distributed investment funds units after taxes. may be provided with more detailed information on the bank s remuneration personally upon submitting a written application at the bank s branch during its office hours. There are no contingent and safekeeping fees. Minimum investment in one fund or equivalent in other currencies Payment Cards Gold Maestro Monthly card maintenance fee 5 (applied for main and additional cards) Annual picture card service fee 2.90 Cash deposit and withdrawal: at Bank ATMs in Lithuania at UAB Perlo paslaugos POS terminals at Nordea group s ATMs at other banks ATM (in Lithuania and abroad) 2.00 %, min Cash deposit 6 (at Bank ATMs (maximum transaction amount ) and UAB Perlo paslaugos POS terminals (maximum transaction amount ) IKI PREMIJA Maestro Monthly card maintenance fee 5 (applied for main and additional cards)

11 Cash deposit and withdrawal: at Bank ATMs in Lithuania at UAB Perlo paslaugos POS terminals at Bank ATMs in Lithuania with IKI PREMIJA Maestro Senjorams 3 at Nordea group s ATMs at IKI, IKI EXPRESS or IKI CENTO shops (maximum amount of one operation , purchase amount must not be less than at other banks ATM (in Lithuania and abroad) 2.00 %, min Cash deposit 6 (at Bank ATMs (maximum transaction amount ) and UAB Perlo paslaugos POS terminals (maximum transaction amount ) MasterCard Xameleon credit card 7; Monthly card maintenance fee (applied for main and additional cards) Annual picture card service fee 2.90 Credit limit interest: Purchase interest % Cash withdrawal interest % Minimum monthly mandatory payment (% of utilized credit limit) % Credit repayment day 5-15 d. Interest free period for purchase transactions From purchase date until the next months credit repayment day (max. 45 d.) Card unblocking fee when card was blocked because of non-performance of liabilities Cash deposit and withdrawal: at Bank ATMs in Lithuania and at UAB Perlo paslaugos POS terminals 2.00 %, min 1.50 at Nordea group s ATMs 2.00 %, min 1.50 at other banks ATM (in Lithuania and abroad) 2.50 %, min 3.00 Cash deposit 4 (at Bank ATMs (maximum transaction amount ) and UAB Perlo paslaugos POS terminals (maximum transaction amount ) PINS MasterCard credit card 8;16 Monthly fee (applied for main and additional cards) 1.30 Suteikto kredito metinės palūkanos % Minimum monthly mandatory payment (% of utilized credit limit) % Credit repayment day 5-15 d. Interest free period From purchase date until the next months credit repayment day (max. 45 d.) Card unblocking fee when card was blocked because of non-performance of liabilities Cash withdrawal and deposit: at Bank ATMs in Lithuania and at UAB Perlo paslaugos POS terminals 2.00 %, min 1.50 at Nordea group s ATMs 2.00 %, min 1.50 at other banks ATM (in Lithuania and abroad) 2.50 %, min 3.00 Cash deposit 4 (at Bank ATMs (maximum transaction amount ) and UAB Perlo paslaugos POS terminals (maximum transaction amount ) 11

12 MasterCard Revolving card 9;16 when issuing MC Revolving card, Maestro card is issued according to the Maestro pricelist Monthly card maintenance fee (applied for main and additional cards) 1.00 Annual picture card service fee 2.90 Credit limit interest % Minimum monthly mandatory payment 2 (% of utilized credit limit) % Unauthorized overdraft fee (annual interest is calculated on unauthorized overdraft amount) % Cash withdrawal and deposit: at Bank ATMs in Lithuania and at UAB Perlo paslaugos POS terminals 2.00 %, min 1.50 at Nordea group s ATMs 2.00 %, min 1.50 at other banks ATM (in Lithuania and abroad) 2.50 %, min 3.00 Cash deposit 6 (at Bank ATMs (maximum transaction amount ) and UAB Perlo paslaugos POS terminals (maximum transaction amount ) MasterCard Charge 10;16 when issuing MC Charge card, Maestro card is issued according to the Maestro pricelist Monthly card maintenance fee (applied for main and additional cards) 1.30 Annual picture card service fee 2.90 Credit limit interest 0.00 % Unauthorized overdraft fee (annual interest is calculated on unauthorized overdraft amount) % Cash withdrawal: at Bank ATMs in Lithuania and at UAB Perlo paslaugos POS terminals 2.00 %, min 1.50 at Nordea group s ATMs 2.00 %, min 1.50 at other banks ATM (in Lithuania and abroad) 2.50 %, min 3.00 IKI PREMIJA MasterCard Charge 11;16 Card issuing and renewal fee (card validity 3 years) when issuing IKI PREMIJA MC Charge, IKI PREMIJA Maestro card is issued according to the IKI PREMIJA Maestro pricelist Additional card Issuing and renewal fee Monthly fee Credit limit interest 0.00 % Unauthorized overdraft fee (annual interest is calculated on unauthorized overdraft amount) % Cash withdrawal: at Bank ATMs in Lithuania and at UAB Perlo paslaugos POS terminals 2.00 %, min 1.50 at Nordea group s ATMs 2.00 %, min 1.50 at other banks ATM (in Lithuania and abroad) 2.50 %, min 3.00 MasterCard Credit 12;16 Monthly card maintenance fee (applied for main and additional cards)

13 Annual picture card service fee 2.90 Credit limit interest % Unauthorized overdraft fee (annual interest is calculated on unauthorized overdraft amount) % Cash deposit and withdrawal: at Bank ATMs in Lithuania at UAB Perlo paslaugos POS terminals at Nordea group s ATMs at other banks ATM (in Lithuania and abroad) 2.00 % min Cash deposit 6 (at Bank ATMs (maximum transaction amount ) and UAB Perlo paslaugos POS terminals (maximum transaction amount ) Nordea Gold credit card 13; Monthly card maintenance fee (applied for main and additional cards) Credit limit interest % Minimum monthly mandatory payment (% of utilized credit limit) % Credit repayment day 5-24 d. Interest free period From purchase date until the next months credit repayment day (max. 55 d.) Card unblocking fee when card was blocked because of non-performance of liabilities Cash withdrawal and deposit: at Bank ATMs in Lithuania and at UAB Perlo paslaugos POS terminals 2.00 %, min 1.50 at Nordea group s ATMs 2.00 %, min 1.50 at other banks ATM (in Lithuania and abroad) 2.50 %, min 3.00 Cash deposit 4 (at Bank ATMs (maximum transaction amount ) and UAB Perlo paslaugos POS terminals (maximum transaction amount ) MasterCard Gold 14;16 when issuing MC Gold card, Maestro card is issued according to the Maestro pricelist. Annual card maintenance fee (applied for main and additional cards) Monthly card maintenance fee (applied for main and additional cards) Credit limit interest 0.00 % Unauthorized overdraft fee (annual interest is calculated on unauthorized overdraft amount) % Cash withdrawal: at Bank ATMs in Lithuania and at UAB Perlo paslaugos POS terminals 2.00 %, min 1.50 at Nordea group s ATMs 2.00 %, min 1.50 at other banks ATM (in Lithuania and abroad) 2.50 %, min 3.00 MasterCard Platinum 15 Annual card maintenance fee (applied for main and additional cards) Credit limit interest % 13

14 Minimum monthly mandatory payment (% of utilized credit limit) % Credit repayment day 5 24 d. Interest free period New PIN Card blocking fee Card replacement fee Granting a non-standard (more than h usage limits) Priority Pass card issuing (card validity 3 years) From purchase date until the next months credit repayment day (max. 55 d.) Fee for visiting VIP airport lounges (1 visit for 1 person) First 4 visits per calendar year free of charge. Later Cash deposit and withdrawal: at Bank ATMs in Lithuania and at UAB Perlo paslaugos POS terminals 2.00 %, min 1.50 at Nordea group s ATMs (in Finland, Sweden, Denmark, Norway, Russia, Latvia and Estonia) 2.00 %, min 1.50 at other banks ATM (in Lithuania and abroad) 2.50 %, min 3.00 Cash deposit 4 (at Bank ATMs (maximum transaction amount ) and UAB Perlo paslaugos POS terminals (maximum transaction amount ) Other cards services Payments of goods and services Balance enquiry at ATM of the bank New PIN 5.79 PIN change at ATM of the bank Card blocking fee 2.90 Card replacement fee 5.79 Picture card replacement fee 5.79 Obtaining a receipt of payment Obtaining a travel document (car rent, hotel reservation, air ticket booking, etc.) in case of payment abroad Credit limit increase Granting a non-standard (more than 2, h usage limits) Urgent withdrawal of a retained card from Bank ATM MasterCard Global service (Urgent credit card blocking or replacement in case credit card is stolen or lost; emergency cash advances) Currency exchange fee, when transaction currency is not EUR Actual expenses, however, not more than % from amount 14

15 1 The same fee applies also for reissuing 2 only if the used credit amount exceeds cash withdrawal is free of charge up to per month. If cash withdrawal exceeds current month, 0.40 % min fee is applicable to all transactions under which the amounts exceeding above mentioned limit are withdrawn 0.40 % min fee is applicable for the whole withdrawal amount, proceeding which monthly limit is exceeded and for the later transactions that month. Same fee applies, if cardholder works in/for company, which has concluded an agreement with Nordea bank on the transfer of salary 4 Cash deposit can be used for payments by card at once. Cash deposit will be submitted as monthly mandatory payment on next working day 5 for cardholders of IKI PREMIJA Maestro Senjorams and cardholders, who works in/for the company, which has concluded an agreement with Nordea bank on the transfer of salary, monthly fee will be Cash deposit can be used at once for payments and card transactions, if deposit done on working days before 7 p.m. or on weekend. After 7 p.m. on work day deposit can be used for card transactions at once, for other transactions from next day 8 a.m. 7 Model calculation for the MasterCard Xameleon credit card. Let s say a credit limit of is provided for a period of 1 year with % interest and a monthly card service fee of 1.30 ; the total amount payable by the consumer will be , and the annual percentage rate of charge will be 18.28%. The total amount payable by the consumer and the annual percentage rate of charge have been calculated in accordance with the assumptions set forth in the decisions of the Government of the Republic of Lithuania and legal acts of the Republic of Lithuania and presuming that the amount of the consumer credit drawn down is repaid by the borrower of the consumer credit in equal monthly instalments, the first instalment being paid in one month after the day of the first consumer credit drawdown by the consumer credit borrower. Filing an application does not guarantee funding. 8 Model calculation for the PINS MasterCard credit card. Let s say a credit limit of is provided for a period of 1 year with % interest and a monthly card service fee of 1.30 ; the total amount payable by the consumer will be , and the annual percentage rate of charge will be 18.28%. The total amount payable by the consumer and the annual percentage rate of charge have been calculated in accordance with the assumptions set forth in the decisions of the Government of the Republic of Lithuania and legal acts of the Republic of Lithuania and presuming that the amount of the consumer credit drawn down is repaid by the borrower of the consumer credit in equal monthly instalments, the first instalment being paid in one month after the day of the first consumer credit drawdown by the consumer credit borrower. Filing an application does not guarantee funding. 9 Model calculation for the MasterCard Revolving Credit card. Let s say a credit limit of is provided for a period of 1 year with 18% interest and a monthly card service fee of 1.00 ; the total amount payable by the consumer will be , and the annual percentage rate of charge will be 21.25%. The total amount payable by the consumer and the annual percentage rate of charge have been calculated in accordance with the assumptions set forth in the decisions of the Government of the Republic of Lithuania and legal acts of the Republic of Lithuania and presuming that the amount of the consumer credit drawn down is repaid by the borrower of the consumer credit in equal monthly instalments, the first instalment being paid in one month after the day of the first consumer credit drawdown by the consumer credit borrower. Filing an application does not guarantee funding. 10 Model calculation for the MasterCard Charge credit card. Let s say a credit limit of is provided for a period of 1 year with 0.00 % interest and a monthly card service fee of 1.30 the total amount payable by the consumer will be , and the annual percentage rate of charge will be 1.93%. The total amount payable by the consumer and the annual percentage rate of charge have been calculated in accordance with the assumptions set forth in the decisions of the Government of the Republic of Lithuania and legal acts of the Republic of Lithuania and presuming that the amount of the consumer credit drawn down is repaid by the borrower of the consumer credit in equal monthly instalments, the first instalment being paid in one month after the day of the first consumer credit drawdown by the consumer credit borrower. Filing an application does not guarantee funding. 11 Model calculation for the IKI PREMIJA MasterCard Charge credit card. Let s say a credit limit of is provided for a period of 1 year with 0.00 % interest and a card issuing fee of 2.90 the total amount payable by the consumer will be , and the annual percentage rate of charge will be 0.36 %. The total amount payable by the consumer and the annual percentage rate of charge have been calculated in accordance with the assumptions set forth in the decisions of the Government of the Republic of Lithuania and legal acts of the Republic of Lithuania and presuming that the amount of the consumer credit drawn down is repaid by the borrower of the consumer credit in equal monthly instalments, the first instalment being paid in one month after the day of the first consumer credit drawdown by the consumer credit borrower. Filing an application does not guarantee funding. 12 Model calculation for the MasterCard Credit card.let s say a credit limit of is provided for a period of 1 year with % interest and a monthly card service fee of 1.30 ; the total amount payable by the consumer will be , and the annual percentage rate of charge will be 21.78%. The total amount payable by the consumer and the annual percentage rate of charge have been calculated in accordance with the assumptions set forth in the decisions of the Government of the Republic of Lithuania and legal acts of the Republic of Lithuania and presuming that the amount of the consumer credit drawn down is repaid by the borrower of the consumer credit in equal monthly instalments, the first instalment being paid in one month after the day of the first consumer credit drawdown by the consumer credit borrower. Filing an application does not guarantee funding. 13 Model calculation for the Nordea Gold credit card. Let s say a credit limit of is provided for a period of 1 year with % interest and a monthly card service fee of 3.62 ; the total amount payable by the consumer will be , and the annual percentage rate of charge will be 21.16%. The total amount payable by the consumer and the annual percentage rate of charge have been calculated in accordance with the assumptions set forth in the decisions of the Government of the Republic of Lithuania and legal acts of the Republic of Lithuania and presuming that the amount of the consumer credit drawn down is repaid by the borrower of the consumer credit in equal monthly instalments, the first instalment being paid in one month after the day of the first consumer credit drawdown by the consumer credit borrower. Filing an application does not guarantee funding. 14 Model calculation for the MasterCard Gold credit card. Let s say a credit limit of is provided for a period of 1 year with 0.00 % interest and an annual card service fee of ; the total amount payable by the consumer will be , and the annual percentage rate of charge will be 11.63%. The total amount payable by the consumer and the annual percentage rate of charge have been calculated in accordance with the assumptions set forth in the decisions of the Government of the Republic of Lithuania and legal acts of the Republic of Lithuania and presuming that the amount of the consumer credit drawn down is repaid by the borrower of the consumer credit in equal monthly instalments, the first instalment being paid in one month after the day of the first consumer credit drawdown by the consumer credit borrower. Filing an application does not guarantee funding. 15 Model calculation for the MasterCard Platinum credit card.let s say a credit limit of is provided for a period of 1 year with % interest and an annual card service fee of ; the total amount payable by the consumer will be , and the annual percentage rate of charge will be 47.35%. The total amount payable by the consumer and the annual percentage rate of charge have been calculated in accordance with the assumptions set forth in the decisions of the Government of the Republic of Lithuania. 16 Credit card holders who work in the company, which has concluded with Nordea Bank agreement on salary transfer, subject to a Gold customer rates. Please note, that the bank has the right to change the Price List. 15