Nordea Bank AB Lithuania branch Price List For private customers

Transcription

1 Nordea Bank AB Lithuania branch Price List For private Valid from 1 st of February 2016 Daily Banking Package Gold Monthly fee for the Daily Banking Package Payment cards ( Maestro / IKI PREMIJA Maestro): Issuing fee 1 (card validity 3 years) Monthly card administration fee Cash deposit and withdrawal: 2 at Bank ATMs in Lithuania (up to ) at Nordea group s ATMs (up to ) Domestic payments via Nordea Netbank: 2 Outgoing payment in EUR between customer own account within Bank Outgoing payment in EUR to other customer account within Bank Outgoing payment in EUR to other Lithuanian bank s and and EU/EEA member states Payment for utility services or bills Administration of funds transferred to customer accounts: Incoming payments in EUR within Bank Incoming payments in EUR from other Lithuanian banks and from EU/EEA member states 1 The same fee applies for reissuing. 2 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month, 0.40 % min fee is applicable to all transactions under which the amounts exceeding above mentioned limit are withdrawn % min fee is applicable for the whole withdrawal amount, proceeding which monthly limit is exceeded and for the later transactions that month. 3 If services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 0.00 % Savings deposit Funds transfer from Savings deposit to Bank account: First transfer from saving deposit during calendar month 1

2 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 1.50 for each month, max for each year Previous calendar month account statement preparation and sending by post within Lithuania 1.50 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: Standart (5 working days) Urgent (1 working day) Preparation of bank confirmation about account balance (in Lithuanian and English language) 6.00 Sending an account statement and other documents: By registered post within Lithuania/ outside Lithuania 3.00 / 6.00 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.) Administration of funds transferred to customer accounts Gold Incoming payments within Bank Incoming payments from Nordea units bank accounts Incoming payments from other Lithuanian banks and from EU/EEA member states Incoming payments in foreign currency from other Lithuanian banks 1.45 Incoming payments in foreign currency from Nordea units bank accounts (just in Estonia and Latvia) Incoming payments in foreign currency from Nordea units bank accounts (except Estonia and Latvia) Incoming payments in EUR (except EU/EEA member states) and in foreign currency from other foreign banks

3 Domestic Payments Over the counter Gold via Nordea Netbank Gold Domestic money transfers within Bank Outgoing payment between customer own account Outgoing payment to other customer account Payment for utility services or bills Outgoing payments to State Tax Inspectorate or State Social Insurance Fund Board accounts Payment using Nordea E. payments Domestic money transfers to another Lithuanian bank and EU/EEA member states Outgoing payment in EUR to to another Lithuanian bank and EU/EEA member states Urgent payments in EUR to to another Lithuanian bank and EU/EEA member states Outgoing payment in EUR to Nordea units bank in EE/EEA states Outgoing payment in foreign currency to other Lithuanian bank 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. If the payment is made with conversion, then the execution time is one banking day longer 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. Payments are handled on banking days: - the same banking day, if payment in EUR is provided before cut-off time 15:30, on the second banking day, if payment in EUR is provided after cut-off time 15:30. - the same banking day, if payment in foreign currency is provided before cut-off time 13:00, on the second banking day, if payment in foreign currency is provided after cut-off time 13:00. - in an hour, if urgent payment in foreign currency is provided before cut-off time 17:15, on the second banking day, if payment in foreign currency is provided after cut-off time 17:15. International Payments International money transfers to foreign banks Outgoing payment in EUR (except EU/EEA member states) and in foreign currency Urgent payment in EUR and in foreign currency Over the counter International money transfers to Nordea units bank accounts Gold via Nordea Netbank Gold Outgoing payments to Nordea units bank accounts (except Estonia and Latvia) Currencies: DKK, GBP, NOK, SEK, RUB ir USD

4 Outgoing payments to Nordea units bank accounts (just in Estonia, Latvia) Currencies:DKK, GBP, NOK, SEK, RUB ir USD 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. If the payment is made with conversion, then the execution time is one banking day longer If the actual cost of foreign banks exceeds the fee debited from the payer, the Bank has the right to charge the payers account additionally afterwards. 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 17:00; on the second banking day, if payment or urgent payment in euro is provided after cut-off time 17:00. - 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. - next banking day, if payment to Nordea units bank is provided before cut-off time 15:00; on the second banking day, if payment is provided after cut-off time 15:00. E-invoicing for payers Over the counter via Nordea Netbank E-invoice receipt/ cancelling E-invoice one-time payment under payment form filled in E-invoice automated payment According to outgoing domestic/euro payments fees According to outgoing domestic/euro payments fees Other payments services Gold Bank charges for PLAIS transfer (bank fee for every transfer in order forced to write off the debtor's monetary funds, when payee's account is with Nordea or another bank registered in the Republic of Lithuania) Payment cancellation or amendment/investigation (in EUR) International payment cancellation or amendment/investigation (in EUR and other currencies plus other bank s fees if any plus other bank s fees if any Payment investigation: within 6 months more than 6 months SWIFT copy as confirmation of transferred international payment Payment order confirmation by the Bank Additional fee for making international payment according to initial documents (invoices, agreements etc.) Standing payment orders within Bank and to other Lithuanian banks and EU/EEA member states plus other bank s fees if any plus other bank s fees if any 6.00 už vieną SWIFT`O kopiją 1.50 per payment order 1.50 per payment order According to outgoing payments prices (via Nordea netbank) Cash operations Gold Depositing cash banknotes into customer savings deposit Depositing cash banknotes for opening term deposit Depositing cash banknotes into customer own account 0.08 %, min 1.00 Depositing cash banknotes into another person s account 0.30 %, min

5 Cash withdrawal from bank accounts 0.80 %, min Cash withdrawal from bank accounts if amount does not exceed 2.50 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 0.40 % 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, if amount does not exceed % from amount, min Exchange of banknotes and euro coins into coins (euro and cents) 4.50 % from amount, min 2.00 Currency exchange in cash 0.87 According to currency exchange rates Exchange of banknotes into banknotes of other denominations 1.00 % from amount, min 2.00 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 Mortgage / Cash - out loan Interest rate Commitment fee Arrangement fee Arrangement fee for loan increase and/or currency change According to cash withdrawal fees Gold According to the agreement and Customer Advantage Program 0.40 % annual rate, calculated from undisbursed loan amount, and paid once per month 0.35 % from 0.30 % from 0.25 % from amount, min. amount, min. amount, min % from amount, min Amendment fee for payment method, payment day, dirbursment period, agreement cancelation when loan wasn t disbursed, grace period in case of supouse death, grace period in case of lost job agreement changes Amendment fee for: Loan repayment account change; Interest rate change from floating to fixed; Execution of Collar agreement and amendment of agreement conditions, mandatory for Collar agreement; Fixed interest rate prolongation/change after it's end Amendment fee for agreed documents presenting date prolongation 1st amendment during loan agreement period All later amendments during loan agreement Other amendments fee Loan prepayment from personal funds (min. amount ): on interest determination/ changing 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 5

6 Nordea Home Flex Interest rate Gold 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 Interest rate 4.00 % above loan interest rate, but not less than % of overdue amount Gold 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. 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 %. 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. 6

7 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 Investment funds Gold Equity funds Subscription fee and regular investment fee 1.60 % 1.30 % 1.00 % Redemption fee 1.00 %, min Bond funds Subscription fee and regular investment fee 0.60 % 0.50 % 0.40 % Redemption fee 0.50 %, min Reserve funds Subscription fee and regular investment fee 0.30 % 0.25% 0.20 % Redemption fee 0.25 %, min Nordea Funds of Funds, SICAV Investment funds Subscription fee and regular investment fee 1.60 % 1.30 % 1.00 % Redemption fee 0.50 % min Switch between Nordea 1 and Nordea Funds of Funds, SICAV investment funds Switch fee 3.20 per transaction 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 Issuing fee 1 (card validity 3 years) Issuing fee for additional card 1 Monthly card administration fee 5 (applied for main and additional cards) Annual picture card service fee 3.00 Pick up of card (new or renewed) at Bank s branch 1.50 Cash deposit and withdrawal: at Bank ATMs in Lithuania at UAB Perlo paslaugos POS terminals operation per month free of charge, others 0,40% min. 0,45 7

8 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 IKI PREMIJA Maestro Issuing fee 1 (card validity 3 years) Issuing fee for additional card 1 3 Monthly card administration fee 5 (applied for main and additional cards) Pick up of card (new or renewed) at Bank s branch 1.50 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 MasterCard Xameleon credit card 7;15 Issuing fee 1 (card validity 3 years) 3.00 Issuing fee for additional card Monthly card administration fee (applied for main and additional cards). Monthly card administration fee is applied from the card activation day. Card monthly administration fee if purchase turnover for goods and services reaches in a calendar month 3 1 operation per month free of charge, others 0,40% min. 0, Annual picture card service fee 3.00 Card statement preparation and posting 1.45 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 Nordea group s ATMs 2.00 %, min 1.50 at other banks ATM (in Lithuania and abroad) and at UAB Perlo paslaugos POS terminals 2.50 %, min 3.00 Cash deposit 4 (at Bank ATMs (maximum transaction amount ) and UAB Perlo PINS MasterCard credit card 8;15 Issuing fee 1 (card validity 3 years) 3.00 Issuing fee for additional card

9 Monthly card administration fee (applied for main and additional cards). Monthly card administration fee is applied from the card activation day. Card monthly administration fee if purchase turnover for goods and services reaches in a calendar month 2.00 Credit limit interest % 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 Card statement preparation and posting 1.45 Cash withdrawal and deposit: at Nordea group s ATMs 2.00 %, min 1.50 at other banks ATM (in Lithuania and abroad) and at UAB Perlo paslaugos POS terminals 2.50 %, min 3.00 Cash deposit 4 (at Bank ATMs (maximum transaction amount ) and UAB Perlo MasterCard Revolving card 9;15 (New cards are not issued, no changes in credit conditions possible) Monthly card administration fee (applied for main and additional cards) 2.50 Annual picture card service fee 3.00 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 Nordea group s ATMs 2.00 %, min 1.50 at other banks ATM (in Lithuania and abroad) and at UAB Perlo paslaugos POS terminals 2.50 %, min 3.00 Cash deposit 6 (at Bank ATMs (maximum transaction amount ) and UAB Perlo MasterCard Charge 10;15 (New cards are not issued, no changes in credit conditions possible) Monthly card administration fee (applied for main and additional cards) 2.50 Annual picture card service fee 3.00 Credit limit interest 0.00 % Unauthorized overdraft fee (annual interest is calculated on unauthorized overdraft amount) % Card statement preparation and posting 1.45 Cash withdrawal: at Nordea group s ATMs 2.00 %, min 1.50 at other banks ATM (in Lithuania and abroad) and at UAB Perlo paslaugos POS terminals 2.50 %, min 3.00 MasterCard Credit 11;15 Issuing fee 1 (card validity 3 years) Issuing fee for additional card 1 Monthly card administration fee (applied for main and additional cards). Monthly card administration fee is applied from the card activation day. Card monthly administration fee if purchase turnover for goods and services reaches in a calendar month

10 Annual picture card service fee 3.00 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 Nordea Gold credit card 12;15 Issuing fee 1 (card validity 3 years) 3.00 Issuing fee for additional card Monthly card administration fee (applied for main and additional cards). Monthly card administration fee is applied from the card activation day. Card monthly administration fee if purchase turnover for goods and services reaches in a calendar month 3 1 operation per month free of charge, others 0,40% min. 0, Credit limit interest % Card statement preparation and posting 1.45 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 Nordea group s ATMs 2.00 %, min 1.50 at other banks ATM (in Lithuania and abroad) and at UAB Perlo paslaugos POS terminals 2.50 %, min 3.00 Cash deposit 4 (at Bank ATMs (maximum transaction amount ) and UAB Perlo MasterCard Gold 13;15 (New cards are not issued, no changes in credit conditions possible) Issuing fee 1 (card validity 3 years) when issuing MC Gold card, Maestro card is issued according to the Maestro pricelist. Issuing fee for additional card 1 Annual card administration (applied for main and additional cards) Monthly card administration fee (applied for main and additional cards) Credit limit interest 0.00 % Unauthorized overdraft fee (annual interest is calculated on unauthorized overdraft amount) % Card statement preparation and posting 1.45 Cash withdrawal: at Nordea group s ATMs 2.00 %, min 1.50 at other banks ATM (in Lithuania and abroad) and at UAB Perlo paslaugos POS terminals 2.50 %, min 3.00 MasterCard Platinum 14 10

11 Issuing fee 1 (card validity 3 years) Issuing fee for additional card 1 Annual card maintenance fee (applied for main and additional cards) Card statement preparation and posting Credit limit interest % 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 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) and at UAB Perlo paslaugos POS terminals 2.50 %, min 3.00 Cash deposit 4 (at Bank ATMs (maximum transaction amount ) and UAB Perlo Other cards services Payments of goods and services Balance enquiry and mini statement printing at ATM of the bank Balance enquiry and mini statement printing at other Banks ATMs or UAB Perlo paslaugos terminals New PIN PIN change at ATM of the bank Card blocking fee 2.90 Card replacement fee 6.00 Picture card replacement fee 6.00 Obtaining a receipt of payment Obtaining a travel document (car rent, hotel reservation, air ticket booking, etc.) in case of payment abroad Credit condition changes (repayment day, minimum mandatory amount) in internet Bank Credit condition changes (repayment day, minimum mandatory amount) in a Branch 5.00 Credit limit increase 5.00 Daily (24h) card usage limit increase up to 2900 in internet Bank Daily (24h) card usage limit increase up to 2900 in a Branch 2.00 Granting a non-standard (more than 2, h usage limits) New or renewed card posting in Lithuania New or renewed card posting abroad 5.00 Urgent card delivery to Branch or by post in Lithuania (in 2 working days)

12 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 1 Card renewal is free of charge 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 % min fee is applicable for the whole withdrawal amount, proceeding which monthly limit is exceeded and for the later transactions that month. In case a cardholder works for a company which has concluded an agreement with Nordea Bank on the transfer of salary, cash withdrawal is free of charge up to per month. This limit applies in a case when additional discounts were not agreed between a company and Nordea for a higher free of charge cash withdrawal limit. Discounts can be changed in a same way like Bank s Pricelist. 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, a card issuing fee 3.00 and a monthly card administration fee of 1.30 ; the total amount payable by the consumer will be , and the annual percentage rate of charge will be 18.90%. 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, a card issuing fee 3.00 and a monthly card administration fee of 2.00 ; the total amount payable by the consumer will be , and the annual percentage rate of charge will be %. 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 administration fee of 2.50 ; the total amount payable by the consumer will be , and the annual percentage rate of charge will be %. 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 administration fee of 2.50 the total amount payable by the consumer will be , and the annual percentage rate of charge will be 3.74 %. 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 MasterCard Credit card.let s say a credit limit of is provided for a period of 1 year with % interest and a monthly card administration fee of 1.30 ; the total amount payable by the consumer will be , and the annual percentage rate of charge will be 21.72%. 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 Nordea Gold credit card. Let s say a credit limit of is provided for a period of 1 year with % interest, a card issuing fee3.00 and a monthly card administration fee of 3.62 ; the total amount payable by the consumer will be , and the annual percentage rate of charge will be %. 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 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 administration fee of ; the total amount payable by the consumer will be , and the annual percentage rate of charge will be 12.12%. 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 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 %. 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. 15 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. 12