DINARSKI OROČENI DEPOZITI / LOCAL CURRENCY DEPOSIT

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1 DINARSKI OROČENI DEPOZITI / LOCAL CURRENCY DEPOSIT Vrsta depozita/type of Valuta depozita/currency of Kriterijumi za indeksiranje/ Criteria for index: Iznos sredstava koje Banka prima u depozit / The amount of funds that the Bank receives Period/period Nominalna kamatna stopa (na godišnjem nivou, fiksna)/nominal interest rate p.a., fixed Dinarski oročeni depoziti / Local currency deposit RSD Minimalni iznos iznosi RSD / Minimum amount RSD 1 mesec 3 meseca 6 meseci 12 meseci 24 meseci 1 month 3 months 6 months 12 months 24 months 36 meseci 36 months 0,50% 1,00 % 2,50% 4,00% 4,50% 5,00% EKS na godišnjem nivou* / Effective interest rate p.a.* 0,50% 1,01% 2,52% 4,00% 4,41% 4,77% Troškovi koji padaju na teret korisnika, poznati su u trenutku oglašavanja i ulaze u obračun efektivne kamatne stope / Costs born by the user of the loan are known at the moment of announcment and are integral part of the effective interest rate Troškovi koji padaju na teret korisnika, a nisu poznati su u trenutku oglašavanja / Costs born by the user of the loan are not known known at the moment of announcment * Obračun je rađen na dan 28. Juli godine / Calculation has been done as of July 28 th 2016

2 Reprezentativni primer / Representative example Vrsta depozita / Type of deposit Dinarski depozit / RSD deposit Valuta depozita / Currency of the deposit RSD Kriterijumi za indeksiranje / Criteria for index Iznos sredstava koje Banka prima u depozit / The amount of funds that the Bank receives the deposit ,00 RSD Period / period 3 meseca 6 meseci 12 meseci Ukupna štednja po isteku perioda oročenja uvećana za kamatu / The total amount of savings after expiry of the deposit increased for the interest ,27 RSD ,37 RSD ,00 RSD (na godišnjem nivou, fiksna) / Nominal interest rate p.a. fixed 1,00% 2,50% 4,00% EKS na godišnjem nivou* 1,01% 2,52% 4,00% Effective interest rate p.a.* Troškovi koji padaju na teret korisnika, poznati u trenutku oglašavanja i ulaze u obračun efektivne kamatne stope / Costs born by the user of the loan are known at the moment of announcment and are integral part of the effective interest rate Bez dodatnih troškova / Without additional costs * Obračun je rađen na dan 28. Juli godine / Calculation has been done as of July 28th 2016 Druge obračune u vezi sa ovim proizvodom mogu se preuzeti u ekspozituri Banke / Other calculation can be take over in the Branch. Banka učestvuje u sistemu obaveznog osiguranja depozita uspostavljenog u Republici Srbiji / The Bank is part of the system of the obliged insurance of the deposit in Republic of Serbia.

3 DEVIZNI OROČENI DEPOZITI U EVRIMA / FOREIGN CURRENCY TERM DEPOSIT IN EURO Vrsta depozita Type of Valuta depozita Currency of the deposits: Kriterijumi za indeksiranje/ Criteria for index: Iznos sredstava koje Banka prima u depozit / The amount of funds that the Bank receives the deposit: Period/period EUR oročeni depoziti / EUR term deposit EUR Minimalni iznos iznosi EUR / Minimum amount EUR 1 mesec 3 meseca 6 meseci 12 meseci 25 meseci 1month 3 months 6 months 12 months 25 months 36 meseci 36 months (na godišnjem nivou, fiksna)/nominal interest rate p.a., fixed 0,00% 0,00% 0,30% 0,50% 1 1,30% 1,50% EKS na godišnjem nivou* Effective interest rate p.a.* 0,00% 0,00% 0,26% 0,43% 1 1,10% 1,26% Troškovi koji padaju na teret korisnika, poznati su u trenutku oglašavanja i ulaze u obračun efektivne kamatne stope / Costs born by the user of the loan are known at the moment of announcment and are integral part of the effective interest rate Poreska obaveza - 15,00% / Tax obligation 15% Troškovi koji padaju na teret korisnika, a nisu poznati su u trenutku oglašavanja / Costs born by the user of the loan are not known known at the moment of announcment * Obračun je rađen na dan 25. Novembar godine / Calculation has been done as of November 25th Za iznose preko EUR nominalna kamatna stopa je 1,00%, dok je EKS 0,85% For amounts above EUR nominal interest rate is 1,00 % and effective interest rate is 0,85%

4 Reprezentativni primer / Representative example Vrsta depozita / Type of deposit Devizni depozit sa obračunom i pripisom kamate po dospeću depozita / Foreign deposit with calcullation and paid interest after expiry of the deposit Valuta depozita / Currency of the deposit EUR Kriterijumi za indeksiranje / Criteria for index Iznos sredstava koje Banka prima u depozit / The amount of funds that the Bank receives the deposit EUR Period / period 12 meseci Ukupna štednja po isteku perioda oročenja uvećana za kamatu, a umanjena za iznos poreske obaveze / The total amount of savings after expiry of the deposit increased for the interest and decreased for tax payment ,50 EUR (na godišnjem nivou, fiksna) / Nominal interest rate p.a. fixed 0,50% EKS (na godišnjem nivou) / Effective interest rate p.a. 0,43%* Troškovi koji padaju na teret korisnika, poznati u trenutku oglašavanja i ulaze u obračun efektivne kamatne stope / Costs born by the user of the loan are known at the moment of announcment and are integral part of the effective interest rate Poreska obaveza - 15,00% / tax obligation 15% * Obračun je rađen na dan 25. Novembar godine / Calculation has been done as of November 25th 2016 Druge obračune u vezi sa ovim proizvodom mogu se preuzeti u ekspozituri Banke / Other calculation can be take over in the Branch. Banka učestvuje u sistemu obaveznog osiguranja depozita uspostavljenog u Republici Srbiji / The Bank is part of the system of the obliged insurance of the deposit in Republic of Serbia.

5 DEVIZNI OROČENI DEPOZITI U USD / FOREIGN CURRENCY TERM DEPOSIT IN USD Vrsta depozita Type of Valuta depozita Currency of the deposits: Kriterijumi za indeksiranje Criteria for index: Iznos sredstava koje Banka prima u depozit The amount of funds that the Bank receives Period/period USD oročeni depoziti / USD term deposit USD Minimalni iznos iznosi USD / Minimum amount USD 1 mesec 3 meseca 6 meseci 12 meseci 25 meseci 1 month 3 months 6 months 12 months 25 months 36 meseci 36 months Nominalna kamatna stopa (na godišnjem nivou, fiksna)/nominal interest rate p.a., fixed 0,00% 0,00% 0,30% 0,60% 2 1,50% 1,70% EKS na godišnjem nivou* / Effective interest rate p.a.* 0,00% 0,00% 0,26% 0,51% 2 1,27% 1,43% Troškovi koji padaju na teret korisnika, poznati su u trenutku oglašavanja i ulaze u obračun efektivne kamatne stope / Costs born by the user of the loan are known at the moment of announcment and are integral part of the effective interest rate Poreska obaveza - 15,00% / Tax obligation 15% Troškovi koji padaju na teret korisnika, a nisu poznati su u trenutku oglašavanja / Costs born by the user of the loan are not known known at the moment of announcment 2 Za iznose preko USD nominalna kamatna stopa je 1,20%, dok je EKS 1,02% / For amounts above USD nominal interest rate is 1,20 % and effective interest rate is 1,02%

6 Reprezentativni primer / Representative example Vrsta depozita / Type of deposit Devizni depozit sa obračunom i pripisom kamate po dospeću depozita / Foreign deposit with calcullation and paid interest after expiry of the deposit Valuta depozita / Currency of the deposit USD Kriterijumi za indeksiranje / Criteria for index Nema kriterijuma za indeksiranje / No criteria Iznos sredstava koje Banka prima u depozit / The amount of funds that the Bank receives the deposit USD Period / period 12 meseci Ukupna štednja po isteku perioda oročenja uvećana za kamatu, a umanjena za iznos poreske obaveze / The total amount of savings after expiry of the deposit increased for the interest and decreased for tax payment ,00 (na godišnjem nivou, fiksna) / Nominal interest rate p.a. fixed 0,60% EKS (na godišnjem nivou) / Effective interest rate p.a. 0,51 %* Troškovi koji padaju na teret korisnika, poznati u trenutku oglašavanja i ulaze u obračun efektivne kamatne stope / Costs born by the user of the loan are known at the moment of announcment and are integral part of the effective interest rate Poreska obaveza - 15,00% / tax obligation 15% * Obračun je rađen na dan 25. Novembar godine / Calculation has been done as of November 25th 2016 Druge obračune u vezi sa ovim proizvodom mogu se preuzeti u ekspozituri Banke / Other calculation can be take over in the Branch. Banka učestvuje u sistemu obaveznog osiguranja depozita uspostavljenog u Republici Srbiji / The Bank is part of the system of the obliged insurance of the deposit in Republic of Serbia.

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