TARIFF FOR FEES AND COMMISSIONSS FOR SERVICES PERFORMED BY SILK ROAD

Transcription

1 TARIFF FOR FEES AND COMMISSIONSS FOR SERVICES PERFORMED BY SILK ROAD BANK AD SKOPJE 1

2 1. CONTENTS 1 GENERAL TERMS 2 2 BANK ACCOUNTS 3 3 CASH TRANSACTIONS 5 4 DOMESTIC PAYMENT OPERATIONS 6 5 WEB BANKING - DOMESTIC PAYMENT OPERATIONS 8 6 INTERNATIONAL PAYMENT OPERATIONS 9 7 TRANSACTIONS WITH CHEQUES 10 8 BANKING GUARANTEES 11 9 DOCUMENTEARY CREDITS CREDIT ARRANGEMENTS FOR INDIVIDUALS CREDIT ARRANGEMENTS FOR LEGAL ENTITIES INTERNATIONAL CREDIT CARDS INTERNATIONAL DEBIT CARDS DEPOSIT OPERATIONS FOR INDIVIDUALS TRANSACTIONS WITH SECURITIES VAULT OPERATIONS OTHER SERVICES TRANSITIONAL AND FINAL PROVISIONS GENERAL TERMS 1.1 This Decision shall stipulate the base for calculation of the fees and commissions for the services, the commission rates and the amount of the fees, as well as the method and the terms for calculating and charging the fees and commissions The Bank shall calculate the fees for the services to clients - physical and legal entities, residents and non-residents, for whom these services shall be performed. The contract for fulfilling certain banking issues has to include provisions concerning the fees. The category Legal entities, referred to in the Decision on the Tariff for fees and commissions for services performed by Silk Road Bank AD Skopje, shall include both residential and non-residential legal entities, unless it is explicitly stated. 1.4 The category Individuals, referred to in the Decision on the Tariff for fees and commissions for services performed by Silk Road Bank AD Skopje, shall include both residential and non-residential individuals, unless it is explicitly stated. 2

3 1.5 RESIDENT - physical person shall be a person who has registered permanent address of residence in the RM or temporarily resides in the RM as per a valid residence visa, i.e. work visa which has to be valid for at least 6 months. All other persons shall be considered NON-RESIDENTS. Also a person holding a Macedonian passport which contains foreign address of residence shall be considered a NON-RESIDENT. 1.6 RESIDENT - legal entities shall be trade companies, sole proprietors and other legal entities with registered address in the RM and their branches abroad. NON-RESIDENTS shall be all other legal entities which are not defined as residents. 1.7 For the services which are not stipulated in this Tariff the Bank may determine the fee with an agreement between the Bank and the client. 1.8 The Bank may arrange for flat sum instead of a fee for certain services. 1.9 In addition to the fees, the client shall pay VAT in all cases where VAT is to be paid according to the legal regulations In case of purchase of effective FX currency, the mean exchange rate from the indicative exchange rate list of the NBRM on the day of concluding the transaction shall be applied The fees for performing services with foreign entities stated in this Tariff which are performed through other commercial banks in accordance with separately concluded agreements, shall be charged according to the tariffs of those banks The calculation of the fee for the FX services performed by the Bank for the clients-residents shall be done in MKD according to the mean exchange rate of the NBRM for the relevant currency which is valid on the day of calculation The fees for the services performed by the Bank in the domestic and international payment operations shall be calculated on a daily basis from the clients for each performed transaction by debiting the client's transactional account In case the client fails to use the service partially or completely due to any reasons whatsoever, the Bank shall not be liable to return the charged fee, except for the activities contained in point 15 hereof In addition to the fees stipulated with this Tariff, the Bank shall also charge real costs such as postal costs, taxes, other banks' costs, costs for establishing mortgage and pledge, court fees and other real costs. 2. BANK ACCOUNTS 2.1 OPENING AN ACCOUNT MKD account Individuals Individuals regular ERIS Individuals urgent ERIS MKD 150, Legal entities Legal entities regular ERIS Legal entities urgent ERIS MKD 180, upon the Bank's request for a loan disbursement FX account Individuals Individuals (nonresidents) MKD 600, Legal entities Analyze of documentation for opening account of nonresident legal entities MKD 900,00 3

4 Legal entities (nonresidents) MKD 900, ACCOUNT MAINTENANCE MKD ACCOUNT Individuals a monthly fee on the debt turnover up to MKD , a monthly fee for a debt turnoovers from MKD ,00 to MKD ,00 MKD 35, a monthly fee for a debt turnover over MKD ,00 MKD 40, maintenance of the denar account for non-resident individuals due to noncurrent documentation MKD 500,00 per month Maintenance of the denar accoun on non active user (2 years not turn over, with max balance of MKD 300,00, without included of transactions initiated from bank) (for residents and non-residents) MKD 50,00 per month Legal entities a monthly fee for a debt turnover up to MKD ,00 MKD 250, a monthly fee for a debt turnover from MKD ,00 to MKD ,00 MKD 600, a monthly fee for a debt turnover of over MKD ,00 MKD 800, Maintenance of a MKD account of nonresident legal entities whose account has been blocked due to over two years of inactivity or non-current documentation MKD 1.200,00 per month Maintenance of MKD account - nonresident MKD 600,00 per month FX ACCOUNT Individuals 4

5 Maintenance of an FX account of nonresident individuals due to non-current documentation MKD 500,00 per month Monthly fee for maintaining a nonresident account (if there is FX turnover on the account during the month) Legal entities MKD 60,00 per month Maintenance of an FX account on nonresident legal entities whose account is blocked due to inactivity of over two years or non-current documentation MKD 1.200,00 per month Monthly fee for maintaining a resident account (if there is FX turnover on the account during the month) MKD 50,00 per month Monthly fee for maintaining a nonresident account (if there is FX turnover on the account during the month) MKD 500,00 per month 2.3. CLOSING AN ACCOUNT MKD ACCOUNT Individuals MKD 200, Legal entities upon client s request MKD 1.000, * Legal entities upon notification from the Central Registry MKD 1.000, Legal entities upon Court decision MKD account pursuant to the legal provisions (no transactions for a period of 2 years) *If the account balance is less than the designated fee in the Tariff, the bank charges the fee in the amount of the available balance on the account FX ACCOUNT Individuals MKD 200, Individuals (nonresidents) MKD 600, Legal entities MKD 1.000, Legal entities (nonresidents) MKD 1.500,00 3. CASH TRANSACTIONS 3.1. CASH TRANSACTIONS IN MKD Individuals Deposit cash to own account Withdraw cash from own account 5

6 Withdraw cash from own account - nonresident Legal entities 0,50% min. MKD 150, Cash deposit to own account Cash deposit to own account after 12:00 PM 0,06% min MKD 20, Cash withdraw from own account 0,35% min MKD 50, Cash withdraw from own account - nonresident 0,50% min. MKD 300, CASH TRANSACTIONS IN FX CURRENCY Individuals Cash deposit to own account nonresident individuals 0,15% min. MKD 50, FX cash withdrawal from nonresident individuals 0,30% min. MKD 300, Withdraw deposited loro payments over 5 days as well as pensions Withdraw deposited FX loro payment less than 5 days 0,20% min. MKD 150, Cash withdrawal in CHF currency 0,20% min. MKD 150, Legal entities Debit to own account 0,35% min. MKD 600, Credit from own account residents 0,40% min. MKD 600, FX cash withdrawal from nonresident legals 0,50% min. MKD 600, OTHER CASH TRANSACTIONS Replacement of coins 20% middle exchange rate Replacement of damaged bank notes 10% middle exchange rate Taking FX currency from authorized foreign exchange offices that have an agreement with the Bank As per agreement 3.4. PURCHASE AND SALE OF FX CASH Purchase and sale of FX currency 3.5. SALE OF CASH TO ANOTHER BANK Selling cash in MKD to another bank 0,08% 4. DOMESTIC PAYMENT OPERATIONS 4.1 NON-CASH PAYMENT OPERATIONS Internal payments benefitting the Bank individuals legal entities residents benefitting another client of the Bank Internal payments benefitting another client of the Bank individuals MKD 20, legal entities residents MKD 20, Non-cash salary transfer from a legal entity s account in the Bank to a physical person s accont in the Bank 6

7 4.1.2 Interbank payments to KIBS individuals 0,02% min. MKD 30,00 max. MKD 35, legal entities residents 0,025% min. MKD 35,00 max. MKD 50,00 to MIPS Individuals MKD 180, Legal entities residents MKD 230, Internal and interbank payments from legal entities non-residents benefitting the Bank benefitting another client of the Bank 0.29% min. MKD max. MKD to KIBS 0.29% min. MKD max. MKD to MIPS 0.29% min. MKD max. MKD Interbank income individuals non-residents 0,12% min. MKD 50,00 max. MKD.6.000, legal entities non-residents 0,2% min. MKD 600,00 max. MKD , Individuals / legal entities - residents 4.2 OTHER DOMESTIC PAYMENT OPERATIONS SERVICES Enforcing court decisions, enforcement decisions, probate decisions and other claim collection orders individuals MKD 1000, legal entities MKD 1200, Preparation of interest list when performing court decisions, enforcement decisions, probate decisions and other claim collection orders (physical and legal entities) MKD 50,00 per interest list Blocking an MKD transaction account MKD 300, Unblocking an MKD transaction account MKD 300, Change of blockade MKD 200, Partial repossession of funds from a blocked account МKD 500, Enforcement of a debenture MKD 1000, Submitting a debenture for collection (the collection fee shall be charged to the creditor submitting the debenture) MKD Withdrawing a debenture by a creditor (the withdrawal fee shall be charged to the creditor) MKD 100, Standing order for overheads from accounts of individuals to accounts of legal entities that have made a special agreement with the Bank 7

8 Standing order transfer within their own accounts in Silk Road Bank AD Skopje Standing order transfer to accounts of Silk Road Bank AD (credit installment, cards payables) Standing order transfer to accounts of clients in Silk Road Bank AD (Internal) MKD Standing order transfer to accounts in other banks (external) MKD Issuing copies of daily statements, statements upon request regarding the daily balance MKD 20, Providing client data at the request from an enforcement agent MKD 500,00 + VAT Providing client data at the request from a notary public Periodical reports for the PRO (Tax Authority) Copies of archived documents from previous years (hard copy and electronic) MKD 500,00 + VAT MKD 150,00 MKD 100,00 per document (sheet) min. MKD 600,00 max. MKD 6.000, Issuing daily statements in a post box at a teller's desk MKD 1.000,00 per year (VAT included) by fax MKD 10,00 per page individuals е-mail legal entities MKD 70,00 per month Through SWIFT МТ940 (resident and nonresident) MKD 1200,00 per month Issuing a duplicate card MKD 100, Issuing payment instruments (a block) Calculation of interest upon the client's request MKD 100,00 + VAT per interest list per one main debt Withdrawing an order from KIBS MKD 100, Individuals who do not have an account in the Bank Deposit from citizens to accounts of the Bank or to accounts of clients for settling payables in the Bank Deposit from citizens to transaction accounts of Bank's clients MKD 50,00 per order Deposit from citizens to transaction accounts in other banks through KIBS 0,5% min. MKD 50, Deposit from citizens to transaction accounts in other banks through MIPS 0.5% min. MKD 250,00 8

9 4.4. SMS SERVICE Fee for SMS service MKD 40,00 per month 5. WEB BANKING - DOMESTIC PAYMENT OPERATIONS 5.1 INDIVIDUALS - RESIDENTS Internal payments Payments to KIBS 0,015% min. MKD 7,00 max. MKD 12, Payments to MIPS MKD 80, Access to active web/mobile banking (one off) MKD 500, Reissuing KIBS digital certificate due to lost MKD 500,00 + VAT Unblocking a password 5.2 LEGAL ENTITIES - RESIDENTS Internal payments Payments to KIBS 0,017% min. MKD 13,00 - max. MKD 18, Payments to MIPS MKD 100, Access to active web banking (annually) Access to active web-banking for legal entities payroll clients of Silk Road Bank AD Skopje Reissuing KIBS digital certificate due to lost Unblocking a password MKD 500,00 per year for the first year MKD 500,00+ VAT 5.3 LEGAL ENTITIES RESIDENTS (PP 53 SALARIES) Internal payments Payments to KIBS MKD 12,00 per transaction Payments to MIPS MKD 60,00 per transaction 5.4 LEGAL ENTITIES - NON-RESIDENTS Internal payments 0.2% min. MKD 80.00, max. MKD Payments to KIBS 0,2% min. MKD , max. MKD Payments to MIPS 0.02% min. MKD 200,00, max. MKD Access to active web banking and mobile banking (annually) MKD 500,00 per year Access to active web-banking and mobile banking for legal entities payroll clients of Silk Road Bank AD Skopje for the first year Reissuing KIBS digital certificate due to lost MKD 500,00 + VAT Unblocking a password 5.5 KIBS CERTIFICATES (for individuals and legal entities) First issuing of Verba K year MKD 1.810, years MKD 2.430, rears MKD 3.020,00 9

10 5.5.2 First issuing of Verba Pro year MKD 2.150, years MKD 3.030, rears MKD 3.840, Reissuing of Verba K year MKD 790, years MKD 1.420, rears MKD 2.010, Reissuing of Verba Pro year MKD 1.090, years MKD 1.970, rears MKD 2.780, Unblocking KIBS digital certificate MKD 300, Deleting of KIBS digital certificate MKD 500, Generating new LIB due to lost, unathorised access, termination of power of attorney MKD 200,00 6. INTERNATIONAL PAYMENT OPERATIONS 6.1. INDIVIDUALS Loro collection orders Loro collections for residents individuals Loro collection for nonresident individuals 0,1% min. MKD 300,00 max. MKD ,00 0,5% min. MKD 600,00 max. MKD , Nostro payment orders from abroad 0,3% min. MKD , max. MKD from the country 0,3% min. MKD , max. MKD from clients of the Bank 6.2 LEGAL ENTITIES Loro collection orders Loro collections for residents legal Loro collections for nonresidents legal Nostro payment orders 0,1%, min. MKD 600,00 max. MKD ,00 0,5%, min. MKD 600,00 max. MKD , abroad 0,3%, min. MKD 1.000,00, max. MKD in the country 0,3%, min. MKD 900,00, max. MKD DOCUMENTED ENCASHMENTS Loro encashment reviewing and sending documents on collection Nostro enashment Courier service charge for sending documents abroad 0,3% min. MKD 1.000,00 real charge + VAT sight payment notification 0,2% min. MKD 600, deferred payment notification 6.4 OTHER FOREIGN PAYMENT OPERATIONS SERVICES 0,3% min. MKD 1.000,00 + SWIFT expenses - MKD 300,00 10

11 6.4.1 Expenses that the foreign banks charge when performing nostro remitances due to not stating an IBAN number MKD 900, Conversion (only for non-residents) 0,5% mean exchange rate min. MKD FX savings book balancing Amendments of payment orders MKD 500,00 + SWIFT expenses - MKD 500, For all SWIFT transactions to other domestic banks MKD 100,00 SWIFT expense Report for PRO (Tax Authority) - on a monthly basis* A charge that the foreign banks make when performing nostro remitances with the 'OUR' option from abroad: A charge that the foreign banks make when performing nostro remitances with the 'OUR' option in the coutry: MKD 150,00 for MKD/FX account, maximum MKD 300,00 per report 0,1%, min. MKD 1.200,00, max. MKD In advance 0,1%, min. MKD 1.100,00, max. MKD In advance 7. TRANSACTIONS WITH CHEQUES 7.1. CHEQUE ENCASHMENTS Legal entities cheque sent to encashment 0,5% counter value of the cheque value of middle exchange rate min MKD 2.000, Individuals cheque for echashment 0.5% upfront in MKD counter value Middle exchange rate from the value of the cheque min. MKD 500, FAST MONEY TRANSFER - MONEY GRAM* From To Fee ,01 50,00 6,90 50,01 150,00 13,00 150,01 300,00 15,00 300,01 450,00 20,00 450,01 600,00 30,00 600,01 750,00 40,00 750,01 900,00 45,00 900, ,00 60, , ,00 90, , ,00 115,00 From To Fee 0,01 100,00 6, ,01 200,00 9,50 200,01 300,00 11,50 300, ,00 13,00 * Payments based on fast money transfer from RM shall not exceed the amount of EUR per month per individual physical person, and the payments based on fast money transfer in RM shall not exceed the amount of EUR 5.000,00 daily per individual physical person **Commission for the fast money transfer service shall be charged exclusively in MKD *** Fees from item are valid starting from and they apply exclusively only to the territory of the city of Skopje and are valid only when sent money to the following countries: Serbia, Slovenia, Croatia, Bosnia and Herzegovina, Kosovo, Albania, Romania and Bulgaria. 8. BANKING GUARANTEES FX GUARANTEES 8.1. NOSTRO GUARANTEES AND SBDC, DISCOVERED BY THE BANK Issuance of unconfirmed guarantee and SBDC with MKD or FX currency as collateral Issuance of unconfirmed guarantee with foreign Bank counter guarantee as collateral 0,3% quarterly min. MKD 2.000,00 + SWIFT expense-mkd 700,00 0,6% quarterly min. MKD.2.500,00 + SWIFT expense - MKD 700,00 11

12 8.1.3 Issuance of unconfirmed guarantee with domestic bank guarantee as collateral 0,6% quarterly + SWIFT expense - MKD 700, Issuance of unconfirmed guarantee and SBDC with mortgage 1,0% quarterly + SWIFT expense-mkd 700, with other instruments as collateral /drafts, crossed cheques etc./ 1,5% quarterly min. MKD 3.000,00 + SWIFT expense - MKD 700, Issuance of confirmed guarantee and SBDC with MKD or FX currency as collateral with a mortgage 0,6% quarterly min. MKD 3.000,00 + SWIFT expense - MKD 700,00 1,3% quarterly min. MKD 5.000,00 + SWIFT expense - MKD 700, with other instruments as collateral /drafts, crossed cheques etc./ 1,8% quarterly min. MKD 7.000,00 + SWIFT expense - MKD 700, Amendment of guarantee and SBDC conditions MKD 1.000,00 + SWIFT expense - MKD 500, Checking up documents under guarantee and SBDC 8.2. LORO GUARANTIES AND SBDC, RECEIVED FROM OTHER BANKS Notification without our confirmation 0,3% of the value of the documents 0,1% min. MKD 2.000,00 max. MKD , Amendments of the terms MKD 1.000,00 + SWIFT expense - MKD 500, Demanding payment under guarantee MKD 3.000,00 + SWIFT expense - MKD 500, Transfer of loro guarantee to other domestic bank 0,1% min. MKD 2.000,00 Max. MKD ,00 Commissions shall be collected quarterly and in advance. The commission for the last quarter shall be calculated and collected on a monthly basis. If the validity in the last quarter is within the fifth calendar day of the month, commission for the current month shall not be charged. If the validity is after the sixth day of the month and onward, commission shall be charged for the whole month. In case the guarantee is not accepted by the beneficiary and is returned as null and void, the collected commission shall not be refunded MKD GUARANTEES 8.3 Issuing a performance guarantee for participating in a tender with a cash deposit and a bank gurantee 0,2% monthly, in advance with other kind of security (mortgage, draft, crossed cheque, company guarantee, etc.) 0,3% monthly, in advance 8.4 Issuing other performance guarantees with a cash deposit and a bank guarantee 0,2% monthly, in advance with a mortgage 0,3% monthly, in advance with other kind of security (draft, crossed cheque, company guarantee, etc.) 0,35% monthly, in advance 8.5 Issuing payment and advance guarantee 12

13 8.5.1 with a cash deposit and a bank guarantee 0,2% monthly, in advance with a mortgage 0,35% месечно, однапред with other kind of security (draft, crossed cheque, company guarantee, etc.) 0,4% monthly, in advance 8.6 Customs guarantee with a cash deposit and a bank guarantee 0,2% monthly, in advance with a mortgage 0,3% monthly, in advance with other kind of security (draft, crossed cheque, company guarantee, etc.) 0,35% monthly, in advance 8.7 Amendments to the conditions of guarantees except for changing the deadline MKD 1.250,00 Commissions and fees for customs guarantees shall be calculated for the period until the customs procedure may start plus three months i.e. up to the end date of the guarantee validity. If the Bank issues a new customs guarantee also guaranteeing the obligations from the previous one, additional commission shall not be calculated for the already issued guarantee for the period following that date (period for which commission would be calculated unless new customs guarantee is issued). Commission shall be charged for three months in advance, for guarantees with validity longer than 3 months. The minimum commission on guarantees of MKD 2,500 is collected as a single payment and refers to the total validity period of the guarantee. The validity period of the guarantee which continues in the subsequent month without charging commission is 5 days. 9. DOCUMENTED D/Cs 9.1. NOSTRO D/C s - ISSUED BY THE BANK Issuance of unconfirmed D/C s with FX currency or MKD collateral 0.3% quarterly min MKD 1.000,00 + SWIFT expenses MKD 700, Issuance of unconfirmed D/C s with bank guarantee as collateral Issuance of unconfirmed D/C s with mortgage as collateral 0.6% quarterly min MKD 1.000,00 + SWIFT expenses MKD 700,00 1% quarterly min MKD 1.500,00 + MKD 700,00 SWIFT Issuance of unconfirmed D/C s with other instruments as collateral /draft, crossed cheque etc./ 1.2% quarterly min MKD 2.000,00 + SWIFT expenses MKD 700, Issuance of confirmed D/C s with FX currency or MKD collateral Issuance of confirmed D/C s with bank guarantee as collateral Issuance of confirmed D/C s with mortgage as collateral 0.6% quarterly min MKD 1.000,00 + SWIFT expenses MKD 700,00 1.0% quarterly min MKD 1.500,00 + SWIFT expenses MKD 700,00 1.4% quarterly min MKD 2.000,00 + SWIFT expenses 700,00 MKD Issuance of confirmed D/C s with other instruments as collateral /draft, crossed cheque etc./ 1.8% quarterly min MKD 2.500,00 + SWIFT expenses MKD 700, Amendment of D/C terms MKD 500,00 + SWIFT expenses MKD 500, Commission for keeping D/C records with deferred payment over 90 days 50% of the regular commission for each following quarter 13

14 Preparing draft D/C / guarantee in advance (in case of realization it is reducted from the amount of commission) 9.2. LORO/ D/C s, OPENED WITH SILK ROAD BANK FROM OTHER BANKS MKD 1.000, Notification without any obligation on our part 0.1% min MKD 1.000,00 - max MKD , Notification adding our confirmation 1% min MKD 5.000,00 - max MKD , Transfer of D/C to second beneficiary without our confirmation 0.3% min MKD 1.000,00 - max MKD ,00 +SWIFT expenses MKD 700, Transfer of D/C to second beneficiary adding our confirmation 1% min MKD 5.000,00 - max MKD ,00 + SWIFT expenses MKD Advice of L/C to other domestic bank 0,2 % min MKD 2.000,00 - max MKD ,00 +SWIFT expenses MKD 700, Collection for inflow upon loro L/C (according to the regular tariff for foreign FX inflows) 0,09%, min. 600,00 MKD - max ,00 MKD Review of documents 0.2% of documents value min MKD 1.500,00 max. MKD 50, Amendment of D/C terms MKD 500,00+SWIFT expenses MKD 500, Courier service charge for sending documents abroad real charge + VAT Commissions are collected quarterly and in advance. The commission for the last quarter is calculated and collected on a monthly basis. If the validity in the last quarter is within the fifth calendar day of the month, commission for the current month will not be charged. If the validity is after the sixth day of the month and onward, commission is charged for the whole month. The total commission is collected in advance, if the D/C is not completely used /regardless of the reasons/, the commission is not refunded. In case of urgent issuance of D/C, the commissions and charges will be collected pursuant to agreement 10. CREDIT ARRANGEMENTS FOR INDIVIDUALS 10.1 FEE FOR APPLICATION REVIEWING AND PROCESSING (HANDLING CHARGES) Non-purpose consumer loans* Purpose consumer loans* Housing and mortgage loans Framework revolving loans (commission on specific loan) Car loans* Subsidized Housing Loan MKD 400,00 single payment Banking guarantee for physical person No fee for considering and processing an application - manipulative costs, shall be charged for all Car and Consumer loan products which will be sold by alternative sales channel of the Bank COMMISSION FOR LOAN ADMINISTRATION Non-purpose consumer loans 2% Purpose consumer loans Housing and mortgage loans Framework revolving loans (commission on specific loan) from 1,00% to 2,00% from the approved ammount in a single payment 14

15 Car loans Subsidized Housing Loan 1% Banking guarantee for a individual 2,00% from the approved ammount in a single payment, minimum MKD 2.500, Loan restructuring 10.3 LOAN PREPAYMENT COMMISSION Non-purpose consumer loans 0% on the prepaid amount Purpose consumer loans 0% on the prepaid amount Consumer and mortgage loans 0% on the prepaid amount, if the repayment is with own funds 3% on the prepaid amount, if the loan is refinanced with other banks loan For payroll recipents (housing loans in EUR and MKD) and non-payroll recipents (housing loans in MKD) For the first 3 years - 3% if repayment is with own funds - 5% if the loan is refinanced with a loan from another bank Housing loans For the rest of the period - 0% if repayment is with own funds - 5% if the loan is refinanced with a loan from another bank For non-payroll recipents (housing loans in EUR) - 0% if repayment is with own funds - 3% if the loan is refinanced with a loan from another bank Framework revolving loans 3% on the prepaid amount Car loans 0% on the prepaid amount Subsidized Housing Loan 10.4 OTHER COMMISSIONS Preparation of amortization plan at client's request 0% if repayment is with own funds 3% of the amount that is prematurely repaid MKD 200,00 per amortization plan Statement for debt per credit, credit card or overdraft MKD 400, Consent for registering next rank mortgage Statement for releasing mortgage and pledge Fee for processing a loan application for changing loan conditions (interest rates) for housing loans at the client request (before conducting the approved application) 11. CREDIT ARRANGEMENTS FOR LEGAL ENTITIES 11.1 COMMISSION FOR REVIEWING CREDIT APPLICATION Commission for processing a credit application MKD 400,00 MKD 400,00 5 % from outstanding balance except for clients that have been declined twice in the last 12 months - MKD Commission for processing an application for a bank guarantee Commission for keeping credit file for approved working capital credit up to 1 year Commission for keeping a credit file for approved working capital credit over 1 year except for clients that have been declined twice in the last 12 months - MKD 500 1% as a single payment during credit approval 1,25 % as a single payment during credit approval 15

16 Commission for keeping credit file for credit approved for supply of fixed assets (deadline longer than 1 year) 1,25% as a single payment during credit approval Commission for keeping a credit file for approved revolving credit-limit for working capital L/Cs and L/Gs 0,125 % monthly, in advance, for the whole tenor and on amount of the approved limit Commission for premature termination of revolving credit-limit for working capital, L/Cs and L/Gs (in order to transfer it to another bank) 1% as a single payment, calculated according to the used amount from the limit Commission for processing and preparing new analysis for extension of credit tenor 1,25 % as a single payment during the extension Commission for processing and preparing new analysis when the next extension takes place or loans are approved, (recycled) numerous times during 1 year, at the Bank's request Commission for processing, preparing new analysis, keeping credit files when a credit is being restructured 1,25% as a single payment, during the restructuring Commission for processing credit application for changing the security, at the request of the client 0,5% from the credit exposure, max MKD Comission for administration of loan with tenor over 1 year 0,05% annually of the rest of loan, max MKD , COMMISSION FOR CREDIT PREPAYMENT Commission of early repayment of instalment loans with tenor of more than 1 year 3% of the prepaid amount 11.3 WRITTEN WARNING Warning letter for delayed payment of mature obligation over 30 days Warning letter for delayed payment of mature obligation over 60 days 12.1 INTERNATIONAL CREDIT CARDS - AMERICAN EXPRESS Main card fee membership MKD 300,00 per month MKD 600,00 per month AMEX green MKD 1,500,00 yearly AMEX gold MKD 2.500,00 yearly Membership fee for first/second add-on card AMEX green MKD 750,00 yearly AMEX gold MKD 1.250,00 yearly Cash withdrawals from ATMs of Silk Road Bank AD Skopje 2% or min. MKD 100,00 16

17 Cash withdrawals from ATMs of other domestic banks 2% or min. MKD 100,, Cash withdrawals from ATMs abroad 3% or min. MKD 150, Cards deposits Re-issuance of lost, stolen, damaged cards Re-issuance of PIN code Free of charge MKD 500,00 MKD 200, Annual fee for main and all additional cards for the first year and for each following year for transactions at S/E and repayments min. MKD 100,000. Free of charge Confirmation letter for balance on AMEX account upon clients request MKD 200, Confirmation letter for balance on AMEX account for Silk Road Bank AD Skopje upon employee s request Confirmation letter for closed AMEX account Free of charge Free of charge Delinquency letter fee for past due claims upon credit cards up to 29 days Free of charge Delinquency letter fee for past due claims upon credit cards over 30 days MKD 300, Cost for delivery of monthly reports for AMEX credit cards by post mail MKD 30,00 13 INTERNATIONAL DEBIT CARDS 13.1 INTERNATIONAL DEBIT CARDS - VISA Main card fee membership Free of charge Cash withdrawals on SRB s ATMs Free of charge Cash withdrawals on other domestic ATM Cash withdrawals on other international ATM Cash withdrawal at a teller's desk other domestic banks Cash withdrawal at a teller's desk other banks abroad in in 2% or a minimum of MKD 120,00 2% + MKD 120,00 2% + MKD 240,00 2% + MKD 240, Re-issuance of a lost, stolen card + PIN MKD 500, Re-issuance of a damaged card Re-issuance of a PIN code 14.1 SAVINGS DEPOSITS Free of charge MKD 200, Issuing duplicate of a lost passbook MKD 50,00 17

18 First withdrawal of funds from Open savings within the current month Free of charge Each consecutive withdrawal of funds from Open savings within the current month MKD 150,00 per transaction 15. SECURITIES TRANSACTIONS 15.1 Purchasing treasury bills and government bonds for individuals and legal entities 0,1% per agreement, as a single payment min. MKD 150, Purchasing of other securities for individuals and legal entities 16. VAULT OPERATIONS 16.1 RENTING SAFE DEPOSIT BOXES RESIDENTS 0,1% min. MKD 150, ,80х25,50х61,10* cm small MKD 1000,00 yearly +VAT ,10х25,50х61,10* cm medium MKD 1200,00 yearly +VAT ,50х25,50х61,10* cm large MKD 1800,00 yearly +VAT 16.2 RENTING SAFE DEPOSIT BOXES NON-RESIDENTS ,80х25,50х61,10* cm small MKD 1800,00 yearly +VAT ,10х25,50х61,10* cm medium MKD 3000,00 yearly +VAT ,50х25,50х61,10* cm large MKD 4300,00 yearly +VAT Physical and legal persons that are payroll clients of Silk Road Bank AD Skopje have a 50% discount of the safety deposit box rental fee. 17. OTHER SERVICES Processing documentation for registering credit matters with the NBRM Service for fill in the ND form for clients when the client reports himself to NBRM MKD 6000,00 + VAT annually (in advance) For first registration of credit application MKD 3.000,00 + VAT For each change MKD 1.500,00 + VAT 17.2 Amendments and realization in reference to registered credit matters MKD 1.500,00 per form + VAT yearly (in advance) Blocking funds for issuing L/Cs and L/Gs Issuing cumulative printout from annual turnover Issuing other certificates upon clients' requests MKD 50,00 per page MKD 200,00 per certificate + VAT 17.6 Initiating court procedure for collection real costs 17.7 Enforcing court and other executive decisions for amounts up to MKD ,00 MKD 1.000, for amounts from MKD ,00 to MKD ,00 MKD 1.500, for amounts over MKD ,00 MKD 2.000, Changing safe lock 100,00 EUR + VAT denominated in MKD according to the mean rate + real costs for the change 17.9 Copying more than 10 pages of documents and other min. MKD 50,00 or MKD 2,50 per page 18

19 17.10 Cost of evaluation expenses related to real estate estimation* If it is a subsidized housing loan and the Bank has an internal estimation agent, property estimation shall not exceed MKD 2.000, Issuance of current status statement from the Central Registry MKD 256,00** Data exchange with the Ministry of Labour and Social Affairs for individuals who are beneficiaries of social and child protection rights MKD 3.000,00 + VAT for each individual application (file) *The evaluation of the real estate and movable property as loan collateral is performed by an external authorized evaluator, and the price of the performed evaluation is stipulated with VAT included. **MKD 217,00 + VAT MKD 39, TRANSITIONAL AND FINAL PROVISIONS 18.1 Cash disbursement of amounts over EUR ,00 or an amount denominated in MKD must be previously announced at least 1 day in advance The announcement shall not be valid for disbursement of term deposits on their maturity date The Bank may decide to charge its client additional commission for the review credit applications, consultations, analysis, expert opinions assessments and real costs related to the credit arrangement and the appraisal of the security. The fees for the services that the Bank performs for foreign correspondents shall be calculated in foreign currency, according to the valid tariff for the services for foreign correspondents The Supervisory Board delegates the authority for regulation of the Tariff on the fees and commissions for the services performed by Silk Road Bank AD Skopje to the Management Board of the Bank This Tariff shall be implemented as of Tariff adopted on , shall cease to be valid. Management Board of Silk Road Bank AD Skopje 19