PRICE LIST OF PRODUCTS AND SERVICES FOR CORPORATE CUSTOMERS 1

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Oswin Moody
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1 PRICE LIST OF PRODUCTS AND SERVICES FOR CORPORATE CUSTOMERS 1 PRODUCTS & SERVICES FEES 2 This price list is effective as of EUR USD GBP CHF Account Opening Initial deposit and minimal balance no minimum Maintenance of one current account (Monthly) Maintenance of one current account for inactive accounts with credit balance (quarterly) 3 2, Account statements (Monthly) - at the bank's counters( period less than 1 Year) at the bank's counters( period more than 1 Year) through courier service 3, '- through Raiffeisen ON Swift and Statement through (monthly) 1, Swift and Statement through Raiffeisen ON Account closing Account Opening Cash Deposits EUR USD GBP CHF Cash deposits (own accounts) Cash deposits in favor of third parties Cash Deposit in favor of Utility Companies Cash Deposit in favor of Tax Office, Custom Office,State Budget Accounts Deposit in EUR Coins Deposit in Coins Cash withdrawals: a) Same value date (D): - 15, Eur (equivalent in other currencies) 15,1-3, Eur (equivalent in other currencies) b) Next business day after notification (D+1): - 3, Eur (equivalent in other currencies) 3,1-25, Eur (equivalent in other currencies) c) Two business days after notification (D+2): - 25, Eur (equivalent in other currencies) over 25, Eur Cash Collection/Delivery Damaged Banknotes Acceptance I. CURRENT ACCOUNT II. ESCROW ACCOUNT III. CASH TRANSACTIONS.1% min EUR 5 Max 2' /Year (equivalent in EUR) / blanks of coins (1 blank of coins = 5 coins) 17 / blanks of coins (1 blank of coins = 5 coins).2% of the amount- Max Eur 6.2% of the amount as per the customer specifications 5 -Sent for evaluation to the Bank of Albania/ to foreign banks outside the country 5% of the evaluated amount EUR USD Minimum Balance 1,, 1, 1, Maintenance commission TD Breakage before maturity date Before the half term of the maturity After the half term of the maturity Incoming Payments LOCAL CURRENCY EUR USD - Accounts within RBAL - Incoming from other Banks.8% min 5 - max 6.8% min 5 - max 6 Outgoing Payments 4 - Accounts within RBAL (Paper based) - Accounts within RBAL (Electronically) - Outgoing to other Banks (Paper Based) IV. DEPOSITS V. PAYMENTS Up to 1.5 mln: 5; Over 1.5 mln: 1,5 7% of benefited interest up to the date of TD breakage 5% of benefited interest up to the date of TD breakage.3% min 2 max 3 FOREIGN CURRENCY.3% min 2 max 3 GBP 1, Other FCY.8% min 5 max 6,.3% min 2, max 3, - Outgoing to other Banks (Electronically) 5.1% min 8 max 75.1% min 9 max 8 SWIFT/payment 1 EUR 1 USD Urgency fee/payment 2 EUR 25 USD Periodic Payments Direct Debit( Payments in Favor of Utilities Payments) Investigation Fees Outgoing Payment amendment fee 3, 5 5 Payment investigation fee (if customer requests it) 3, 5 5 Payment return fee N/A Incoming Payment amendment fee N/A 5 5 Payment investigation fee (if customer requests it) N/A 5 5 Payment return fee 3, 5 5 For payments with charges option "OUR", in addition to the above fees, correspondent as per notification from correspondent banks 35 EUR/payment 25 USD/payment banks' expenses will be applied (if any).1% min 1,1 max 1,2 1, 2, , 5, 5, 5, 5, as per notification from correspondent banks

2 Payments with Raiffeisen Bank Kosovo (paper based and electronically) Incoming EUR 1 Equivalent in EUR Outgoing EUR 1 Equivalent in EUR For payments with charges option "OUR", in addition to the above fees, will be applied the commission EUR 1 Equivalent in EUR Payments with Raiffeisen Network Banks Outgoing and Incoming Payments (EUR) paper based Notice: Please see ANNEX for Cut-off times and Value Dates! MT 94/941/942 Daily transmission Weekly transmission Monthly transmission MT 11 Service agreement Monthly maintenance fee Note: Maintenance fee will charged every last day of month Chequebooks (1 pieces) In local currency (Lek) Issuance of bank draft Acceptance: - own cheques - other cheques Collection In foreign currency: Issuance of bank draft Acceptance: - own cheques - other cheques Collection USD cheques cleared through RBI Unpaid returned cheques DHL costs as per correspondent fees according to the destination Other Package No 1/Raiffeisen On (2 Inputter +2 authorizers): Currencies in USD EURO EUR Registration Fee 4, Maintenance monthly commission 1, New authorizer 2, New Inputter Hardware 9, Package No 2/Raiffeisen On (up to 1 users despite the role): Other Currencies in USD EURO EUR Registration Fee 9, Maintenance monthly commission 1, New authorizer 2, New Inputter Hardware (once) 9, IX. ELECTRONIC BANKING - MULTICASH USD EURO Installation commission 3, Maintenance monthly commission Re-installation commission 1, Additional new user commission 1, Monthly Commission Card delivery charge New card issued by Bank Normal card renewal Card reprint by customer request Reprint of lost/ stolen/ damaged card PIN delivery charge First new PIN issued by Bank Customer request for PIN reprint or new PIN Transaction fees Cash Withdrawals Cash withdrawal on RBAL ATM Cash withdrawal at RBAL counter (Manual Cash) Domestic cash withdrawal at not RBAL ATM Domestic cash withdrawal at not RBAL counter (Manual Cash) International cash withdrawal at ATM International cash withdrawal at Counter (Manual Cash) Balance Enquiries at ATM Balance Enquiry on RBAL ATM Domestic Balance Enquiry at not RBAL ATM VI. SWIFT MESSAGES VII. CHECKS Note: cheques in foreign currency with amounts equal or above USD 1, or EUR 8, (or equivalent) are received only for collection. VIII.ELECTRONIC BANKING -RAIFFEISEN ON X. VISA Electron DEBIT CARD 3% discount from the standard prices EUR 3/account EUR 2/account EUR 15/account.15% min. EUR 2, max. EUR 3.1% min.eur 2, max. EUR 3.15% min.eur 2, max EUR 2.3% min. EUR 2, max. EUR 2.3% min EUR 8, max. EUR 25 as per correspondent fees Note: Cheques in currencies other than EUR and USD, can be paid out in EUR as per the exchange rate used by our correspondent bank, or in original currency. In case the customer requires the cheques to be paid in original currency, besides the above listed, the customer must bear the DHL charges of EUR 5. EUR 15 EUR % min. EUR 2, max. EUR % (Min. 3) 2.75% (Min. 4) 2% (Min. 3) 2.5% (Min. 5) 1 Other Currencies Equivalent in EUR

3 International Balance Enquiries 1 Purchases paid by card at Point of Sale (POS) At RBAL Point of Sale (POS) Domestic at not RBAL Point of Sale (POS)

4 At International Point of Sale (POS) Action Fees Annual fee for the main card Annual fee for the supplementary card Permanent card blocking fee at customer request (card closure) Permanent card blocking fee for lost/ stolen/ damaged cards Temporary card blocking (includes unblocking of the card) Card Limits Total withdrawal value per day for cash withdrawals Total withdrawal value per week for cash withdrawals Total withdrawal value per month for cash withdrawals Total no. of transactions per day for cash withdrawals Total no. of transactions per week for cash withdrawals Total no. of transactions per month for cash withdrawals Total transaction value per day for Cash Withdrawals + POS Total transaction value per week for Cash Withdrawal's + POS Total transaction value per month for Cash Withdrawal's + POS Total no. of transactions per day for Cash Withdrawals + POS Total no. of transactions per week for Cash Withdrawals + POS Total no. of transactions per month for Cash Withdrawals + POS A. Card Issuing fee B. Annual membership fee on each supplementary card issued MasterCard- Corporate and SE companies (4 days after service creation) C. Payment card transactions XI. BUSINESS CREDIT MASTERCARD CHIP REVOLVING 4,8, (16 X Daily Limit) (5 X Daily Limit) 34 (2 X Daily Limit) 1. MasterCard Free of charge 1.5% , (4 X Daily Limit) 1,6, (16 X Daily Limit) 1 5 (5 X Daily Limit) 2 (2 X Daily Limit) 3 1,2, (4 X Daily Limit) 15 EUR / 2, 1.Payments with card in Domestic POS Network Free of charge 2. Payments with card in International POS networks Free of Charge 3.1Manual Cash ATM* on us Eur 3 ;All 5 3.2Manual Cash ATM Domestic* Eur 5:All Manual Cash ATM International* Eur 8; All Manual Cash Advance* (POS) on us Eur 3 ;All Manual Cash Advance* (POS) Domestic Eur 5:All Manual Cash Advance* (POS) International Eur 8; All 1 * Maximum 1% of the limit daily,2% weekly, 3% monthly for both POS and ATM D. Other Services 1. Reissuing PIN upon client's request EUR 5; 7 2.Card replacement- upon client's request EUR 8; 1 3. Temporary Block Including Unblock EUR 3; 5 4. Delivery Card Customer Request EUR 5; 7 5. Deliv.Card Abroad Courier EUR 1; Deliv Pin Abroad -Courier EUR 1; 14 E. Interest Rate Applied Corporate IR Standard Penalty Interest Corporate 14% EUR / 17% 2% EUR / 23% Corporate Minimum Payment 2% (of the outstanding balance+ unpaid minimum payment of previous period) F. Administration Fee Administration Fee 1.5% Administration Fee will be negotiable

5 Direct Debit ( Utility Companies) SWEEP Issuance of a banking relationship confirmation Bank opinion/ Letter of recommendation Issuance of a confirmation for Bank of Albania, Albanian Financial Supervisory Authority (AMF), National Licensing Center (QKL) Postage Courier Specific reporting for Cash Management Products customer request) Confirmation Fees for audit issues -Confirmation via courier (within Albania) -Confirmation via courier (International) (as per XII. MISCELLANEOUS 5 /Successful transaction Free of Charge EUR 1 EUR 5 EUR 3 as incurred as incurred depending from the request 15 EUR including post mail charges (equivalent in other currencies) 15 EUR Plus post mail charges (equivalent in other currencies) Notes : 1. Price List of Products and Services for Public Institutions, Central & Local Government 2. Fees in other currencies not shown in the table will be the equivalent of fees in EUR 3. In cases when the Customer has not performed any transaction in his account for more than 18 days,automatically the account is classified as inactive status. These account will be charged only by this fee, standard maintenance fee (applied for active accounts) will not be charged. This fee will be charged by current account on quarterly basis. 4.For the following industries, Raiffeisen Bank Sh.A can not process their outgoing payments, based on the Group policies and the Correspondents Bank with which RBAL operates. Industries: -Foreign exchange, Payment Provider - Companies that have as activity: Adult entertainment - Companies that have as activity: Producing, Assembling or Trading Arms.

CORPORATE CUSTOMER'S TERMS & CONDITIONS

CORPORATE CUSTOMER'S TERMS & CONDITIONS PROUCTS & SERVICES ALL EUR US GBP CHF Account Opening Initial deposit and minimal balance no minimum Account maintenance (Monthly) 15 1 1 1 1 Account statements (Monthly) - at the bank's counters( period