TARIFF OF FEES FOR SERVICES OF BANCA INTESA AD BEOGRAD (REVISED TEXT)

Transcription

1 Date of publication: Date of application: TARIFF OF FEES FOR SERVICES OF BANCA INTESA AD BEOGRAD (REVISED TEXT) Banca Intesa ad Beograd Milentija Popovića 7b, Novi Beograd; call center: +381 (011) ; tekući račun:

2 GENERAL PROVISIONS Fees shall be collected for the services Banca Intesa ad Beograd (hereinafter: the Bank) provides in the country and abroad on the basis of banking operations, the level of which shall be determined in accordance with market business conditions, as well as depending on the transaction risk level, for the purpose of covering actual expenses of performed banking services and realized income on that basis. Tariff Service type Tariff line level Line No CONTENT: 1. DOMESTIC OPERATIONS FOR LEGAL ENTITIES AND ENTREPRENEURS INTERNATIONAL PAYMENTS FOR LEGAL ENTITIES AND ENTREPRENEURS GUARANTEE AND DOCUMENTARY OPERATIONS, FINANCIAL INSTITUTIONS AND ECONOMIC PRODUCTS LOANS FEES FOR OTHER OPERATIONS BROKER OPERATIONS RETAIL FEES ELECTRONIC BANKING FOR INDIVIDUALS PAYMENT CARDS... 2 PAYMENT CARDS FOR RETAIL... 2 FEES... 2 TRANSACTION PROCESSING EXPENSES... 2 PAYMENT CARDS FOR LEGAL ENTITIES... 2 FEES... 2 COSTS OF THE TRANSACTIONS PROCESSING... 2 E-COMMERCE ISSUING MEMBERSHIP FEES... 2 ACCEPTING PAYMENT CARDS ON POS TERMINALS SAFE-DEPOSIT-BOXES OTHER PROVISION

3 1. Domestic operations for legal entities and entrepreneurs 1.1. Non-cash payment operations for legal entities and entrepreneurs Order type A Internal orders B Clearing orders before 1:00 p.m. 1) C Clearing orders after 1:00 p.m. 2) D RTGS orders before1:00 p.m. 1) E RTGS orders after 1:00 p.m. 2) Transfer and collection Min. RSD 35 RSD 45 RSD 60 RSD 70 RSD orders % of the order 0.050% 0.090% 0.100% 0.110% 0.110% Max. RSD RSD RSD Orders crediting the Bank's account 50% discount on tariff rate in paragraph ) Orders created through the use of VISA Business Electron payment card Electronic orders (in house software) A Internal orders: Min: RSD 15; 0,03% of order; Max: RSD % discount on tariff rate in paragraph ) B Clearing orders before 1:00 p.m.: Min RSD 30; 40% discount on tariff rate in paragraph C Clearing orders after 1:00 p.m. Min RSD 45; 40% discount on tariff rate in paragraph D RTGS orders before1:00 p.m. Min RSD 50; 40% discount on tariff rate in paragraph ; Max RSD Electronic orders (through intermediary service centers) 20% discount on tariff rate in paragraph ) Electronic orders crediting individuals current accounts in BIB No fee Internal orders between the accounts of the same legal person No fee Orders initiated by SWIFT message MT101 20% discount on tariff rate in paragraph ) 1) Orders received before 13,00 p.m, processed until 14,00 p.m. 2) Orders received after 13,00 p.m, processed until 16,00 p.m. 3) The discount is not calculated for the minimal amounts of the commission Cash payment operations for legal entities and entrepreneurs E RTGS orders after 1:00 p.m. Min RSD 80; 40% discount on tariff rate in paragraph ; Max RSD Deposits Min. % Deposits on the bank account RSD % Deposits with monthly amount higher than RSD 200 million up to 0.5% Deposits on the account in another bank RSD % Withdrawals Min. % Withdrawals from the bank account* RSD % Withdrawals in coins* RSD 50 1% Withdrawals on the Bank ATMs using VISA business electron payment cards* 40% cheaper than the rate para Withdrawals on the ATMs of another banks by using VISA business payment cards RSD 60 2% POS terminal withdrawals* RSD 60 2% Change of foreign banknotes for smaller or larger denominations RSD % Change of the damaged foreign currency banknotes RSD 10 2% *tariff paragraph does not apply on entrepreneurs, i.e. fee shall not be charged (fee equals 0 RSD) 3

4 1.3. Other fees for legal entities and entrepreneurs Account maintenance Certificate issuance 1-10 change per month RSD 495 per month change per month RSD 435 per month change per month RSD 355 per month Over 100 change per month RSD 245 per month Issuance of archive statement RSD RSD 20 per page Certificate issuance upon special request of the client RSD Final order execution certificate issuance RSD Fees on e-banking transaction In-house software e-service activation RSD Card issuing or substitution RSD Smart card reader issuing RSD Utilization of In-house service No fee Halkom software e-service activation (without card issuing) RSD Smart card reader issuing RSD Utilization of Halcom service (standard package) RSD monthly Withdrawal of the collection basis RSD per basis Account closing at client's request* RSD Fees on SMS banking SMS request For TELENOR network users RSD 6,00 + PDV For MTS network users RSD 6,00 + PDV For VIP network users RSD 6,00 + PDV Charges for registration of Bills of Exchange and Direct-Debit Authorizations Fee for registration/discharge of Bills/Authorizations, received on Banks counter RSD 50 billsi/dda Fee for registration of Bills received electronically via In-House solution RSD Fee for registration / deregistration of Bills of exchange / direct debit authorization where the bank is a payee, and for deregistration of the bills of exchange / direct debit authorization which are enforced for the account of the No fee borrower in the Bank Remark: Tariff rate calculation and collection for domestic payment operations is effected every 10th, 20th and last day in a month (except for the fees marked as monthly or upon request) * tariff paragraph does not apply on entrepreneurs, i.e. fee shall not be charged (fee equals 0 RSD) 4

5 2. International payments for legal entities and entrepreneurs 2.1. Remittances Min. % amount Max Nostro remittances From F/X accounts RSD ,2% RSD Nostro remittances submitted by e-banking (electronicaly) or by SWIFT message MT101 10% discount on tariff rate ) Payments from the account of purchased foreign currency in EUR and/or USD for the purpose of *: nostro remittances; interbank transfer within the country; settlement of liabilities for L/Cs up to RSD from ,01 to RSD from ,01 to ,99 RSD Payments from the account of purchased foreign currency in other currencies for the purpose of*: nostro remittances; interbank transfer within the country; settlement of liabilities for L/Cs from Free of charge up to ,99 RSD from Free of charge Settlement of liabilities for loans and bonds* up to ,99 RSD from Free of charge Nostro remittances on the order of domestic Legal entities from FX account in the currencies that are not the subject of purchase and sale on the inter-bank foreing exchange market RSD % RSD and in currencies not listed in the NBS Exchange rate for Foreign Exchange Nostro remittances in favor of non-resident accounts in the Bank RSD Nostro remittances in RSD in favor of clients of other domestic banks RSD % RSD Clients who effect more remittances at the same time, in favour of the same foreign partner, the fee shall be calculated according to the total amount of remittances Inquires and requests for cancellation or amendment of payments. Corrections and amendments of faulty orders RSD actual foreign bank expenses submitted by SWIFT message MT EUR nostro remittances with charging options OUR Up to 5.000,00 RSD , ,00 RSD , ,00 RSD Above ,01 RSD Other FX nostro remittances with charging options OUR RSD ) The discount is not calculated for the minimal amounts of the commission. *The Bank reserves the right to agree with the client another tariff in case of disruption on the interbank foreign exchange market Loro remittances Min. % amount Max Remittances from abroad (loro) No fee Loro remittances from Kosovo and Metohija (pay out in rsd 0.1% RSD 800 counter value prior to the due date of payment from the NBS) 0.2% Loro remittances on the basis of inflows from non-resident accounts in RSD RSD 800 0,05% RSD Conditional remittances Conditional payments up to EUR RSD ,3% RSD Conditional payments from EUR ,01 to ,25% RSD Conditional payments over EUR ,20% RSD Collection of foreign cheques 1,5 % + actual foreign bank expenses 2.3. Transfers Min. % amount Max Inter-bank transfers in the country drawn from FX accounts RSD ,3% RSD Transfers from the life insurance accounts within Bank RSD Transfers under charity donations Free of charge Purchase, sale and lease of real estates Transfers for purchase, sale and lease within BiB RSD 800 0,1% RSD Transfers for purchase, sale and lease to other domestic banks. RSD ,2% RSD Inquires and requests for reimbursement or amendment of transfers RSD

6 2.4. Cash and business trip expenses Min. % amount Max Withdrawal of cash as advance for business trip* RSD % Advance payment and settlement under final calculation related to business trip transfer within BIB RSD % Advance payment and settlement under final calculation related to business trip transfer to other domestic bank RSD % Placement of cash on account RSD 500 0,2% RSD Placement of cash for founding investment RSD % RSD Purchase of foreign cash from authorized exchange dealers Free of charge Sale of foreign cash to authorized exchange dealers Free of charge * tariff paragraph does not apply on entrepreneurs, i.e. fee shall not be charged (fee equals 0 RSD) 2.5. Non-residents Min. % amount Max Opening of accounts No fee Opening and keeping of earmarked fx accounts RSD Placement of cash RSD 500 0,2% RSD Cash Withdrawal of cash as advance for business trip RSD 800 0,3% Withdrawal of cash in RSD RSD 800 0,1% Nostro remittance abroad RSD ,2% RSD Loro remittance from abroad No fee RSD payments in the country up to RSD ,00 RSD RSD payments in the country over RSD ,00 RSD ,15% RSD Payments and transfers in foreign currency in favor of clients of other domestic banks RSD ,3% RSD Money transfer within the bank RSD Embassies Min. % amount Max Opening and keeping of accounts No fee Placement of cash RSD 500 0,1% RSD Cash Withdrawal of foreign cash RSD 500 0,2% Withdrawal of cash in RSD (limit RSD) RSD 500 0,1% International payments RSD ,15% RSD Loro remittance from abroad No fee Domestic payments Payments in favor of bank clients RSD RSD payments in favor of clients of another domestic bank RSD 800 0,15% RSD Payments and transfers in foreign currency in favor of clients of other domestic banks RSD ,2% RSD Tariff rate for banks Min. % of amount Max Incoming payments received from foreign banks with charging option OUR 5 0,1% Incoming payments from domestic banks with charging option OUR RSD ,1% RSD Incoming payments from domestic banks with charging option OUR under charity donations Free of charge Inquires, amendments and requests for cancellation received from foreign banks Inquires, amendments and requests for cancellation received from domestic banks RSD Transfer of incoming payment in favor of legal entity, client of another domestic bank RSD ,1% RSD Transfers by order of domestic banks RSD Transfer of incoming payment in favor of private individual, client of another domestic bank RSD % RSD

7 2.8. Other operations Sending of Swift MT 940,941,942 per account / currency / swift address RSD per month Sending of Swift order copy upon client s request RSD Issuance of confirmations upon client s request RSD Sending of statements copy upon client s request RSD Sale of foreign currency from bank s potentials for the settlement of liabilities in relation to the credit cards 0.2% Sale of foreign currency from bank s potentials for the settlement of liabilities in relation to the fx loan 0.2% Activation of MT101 RSD Receipt of Swift MT101 messages per account RSD per month Correction of payment order data for NBS statistics as per request of the client RSD 500 7

8 3. Guarantee and documentary operations, financial institutions and economic products 3.1. Documentary collection (collection operations) SB SME L Min. % from amount Max Sending documents for collection RSD % RSD Receipt of documents on collection basis RSD % RSD Document delivery without payment RSD Obtaining acceptance RSD % RSD Amendment of collection intructions RSD RSD RSD Collection with protest of bills protest costs 0.3% + protest costs in protest costs in minimum minimum of RSD in minimum of of RSD RSD Collection of other securities RSD % RSD Handling fee of transport documents addressed to the Bank RSD 0,2% RSD Sending documents without payments RSD post costs 3.2. Documentary letters of credit SB SME L Min. % from amount Max. Fees(opening /amendment/checking, payment, cancellation, transfer...), born by foreign company EUR 80,00 Fees of adding confirmation, born by foreign company EUR 125, Import (nostro) L/Cs L/C application processing fee RSD % RSD Opening irrevocable covered L/C RSD % 0.3% 0.2% Opening irrevocable uncovered L/C RSD % 0.5% 0.4% Opening standby L/C Drafting more than three DRAFT-s against one L/C application Amendment of the L/C conditions the fee shall be calculated as in the case of guarantee operations (according to Tariff Line 3.3) RSD per DRAFT Increasing the L/C amount or extending validity period the fee shall be calculated according to Tariff Lines Other changes* RSD Checking of Documents* RSD % per document set Acceptance of discrepant documents 100 EUR per document set L/C settlement the fee shall be calculated according to Tariff Line Cancellation/non utilization L/C RSD Obtaining confirmation under uncovered L/C** RSD ,5% Handling fee of transport documents addressed to the Bank RSD ,2% Export (loro) L/Cs Notification * RSD ,10% RSD Amendment of the conditions Increasing the value the fee shall be calculated according to Tariff Line RSD 4, Other changes* RSD Checking of Documents* RSD per set 0.25% of documents value Sending documents without checking* RSD % RSD Adding of Confirmation * RSD ,5% Transferring L/C to another client* RSD ,35% Advising L/C through the another bank RSD % RSD Prechecking * RSD ,2% Settlement of L/C the fee shall be calculated according to Tariff Line 2.2 Other Other consulting services depending on the time spent with the client - min. RSD Translation services RSD per page Urgent requests (execution within 24h) RSD SWIFT charges RSD Cancellation of the letter of credit*** RSD

9 3.3. Nostro RSD and FX guarantees and bill guarantees (in domestic payment operations) Application processing fee SB SME L Min. % from amount Max FX guarantees RSD ,15% RSD RSD guarantees and bill guarantee in domestic payment operations* RSD ,1% RSD Tender guarantee Issuing 100% covered guarantee FX guarantees* RSD % 0.3% 0.2% RSD guarantees* RSD % 0.3% 0.2% Issuing uncovered guarantee FX guarantees* RSD % 0.8% 0.5% RSD guarantees* RSD % 0.8% 0.5% Other guarantees Issuing 100% covered guarantee FX guarantees** RSD % 0.35% 0.25% RSD guarantees** RSD % 0.3% 0.2% Issuing uncovered guarantee FX guarantees** RSD % 0.7% 0.6% RSD guarantees** RSD % 0.5% 0.5% Bill guaranteeing (avals) in domestic payment operations Uncovered** RSD % 0.8% 0.75% % covered** RSD % Issuing counter guarantee, with commission, according to the Tariff lines for the issuing 0.5% guarantees shall be charged additionally** Changing guarantee conditions Increasing guarantee value* The fee shall be calculated according to Tariff Line for guarantee issuance (depending on the type of guarantee)+ request processing fee according to Tariff Line Changing other guarantee conditions* RSD request processing fee according to Tariff Line Guarantee transfer to new beneficiary* 2% Documentation checking upon protesting nostro guarantee FX guarantees* RSD ,1% of the amount protested RSD RSD guarantees* RSD ,1% of the amount protested RSD Consulting services (preparation of draft guarantee depending on the time spent with the client - min. RSD text, analysis of commercial agreement and other)* 5, Translation services on clients request* RSD per page Urgent requests (execution within 24h)* RSD Providing statements and certificates along with guarantees and/or providing letters of intent for guarantees Non-binding* RSD Binding* RSD Binding non standard* 0,1% min RSD SWIFT charges* RSD Cancellation of the fx guarantee *** RSD Authentication of signatures on the guarantees and documents related to the guarantees sent directly to the client* RSD Issuing guarantee on the basis of foreign bank counter guarantee Issuing guarantee on the basis of foreign bank counter guarantee tender* 0,6% of the guarantee value, min RSD 11,000 or EUR 100 if at the expense of the foreign bank / applicant Issuing guarantee on the basis of foreign bank counter guarantee other guarantee** 0,5% of the guarantee value, min RSD 11,000 or EUR 100 if at the expense of the foreign bank / applicant Note: *One-off collection. ** Collection on a quarter basis. Every beginning of the quarter period shall be calculated as a whole period. If the maturity in the last quarter (except for liabilities lasting only one quarter) is shorter than 30 days the fee shall be calculated for 1/3 of the quarter. *** Charged in case that the client is provided with the draft of the lc of fx lg andbut the lc or fx lg has never been issued through Banca intesa Beograd: Note: Actual costs shall be charged against all operations, including foreign Bank confirmation costs.. All fee related to L/Cs and inkaso operations shall be calculated when executing orders, and collected 5 days after the date of calculation.. Fee related to nostro L/Cs calculated quarterly shall be collected at the beginning of each quarter. In cases when L/C has been used partially or as entirety for any reason, the collected fee shall not be returned. As for L/Cs with deferred payment fee shall be calculated till the maturity date. 9

10 3.4. Loro guarantees Min. % from amount Max. 0.1% of the guarantee value / the amount of increase in the value, Advising and amendment advising if the guarantee min RSD 5,000 or EUR 100 if at the foreign bank's / applicant's value increases expense max. 50,000 or EUR 500 if at the foreign bank's / applicant's expense Amendment advising - other changes RSD (EUR 70 if at the foreign bank's / applicant's expense) Forwarding to another bank RSD (EUR 100 if at the foreign bank's / applicant's expense) Protest (preparation and realization) RSD ,2% of the amount protested RSD SWIFT charges RSD Rate for foreign banks (loro accounts) Min. % of amount Max Account maintenance Account balance certificate at foreign bank request, in addition to regular notification Replies to inquiries on account debit/credit: Older than 3 months Older than 12 months Payments in favor of financial institutions 5, Payments in favor of other persons where it is stated that the originator bears expenses (OUR) 5 0.1% 100 EUR * The Bank may charge an account in case the Bank of the funds beneficiary or its intermediary bank sends a request for collection of their expenses. In case of RSD payments, the account shall be charged also for the amount of tax for certain transactions in accordance with the Law on Payment Operations Request for payment order revocation after its execution Changes after the payment has been executed 50 * The fees shall be charged in the currency in which the account is maintained and shall represent equivalents of the fees expressed in EUR Other operations Authentication of signatures on the documents sent directly to the client RSD Authentication of client s signatures at foreign bank request Issuing opinion on foreign bank solvency RSD Issuing opinion on client solvency at foreign bank request Issuing certificates at client request RSD Issuing certificate at non-client request RSD Sending SWIFT order copies at client request RSD Research expenses (data and information collection) RSD * Note: The fee for performing the operations mentioned in Tariff Line 3.6. in concrete case shall be determined depending on the time spent with the client. Special provisions: Besides the fee, the Bank shall also collect actual telecommunication expenses as well as the expenses of foreign banks. 10

11 4. Loans 4.1. Loans for Legal entities SB SME i L For short-term loans:0%- 2% For short-term loans:0.5%,min RSD1.000(for RSD loans);min Fee for processing and realization of loan application * EUR 20(for fx loans) For long-term loans: 0%- For long-term loans: 1%,min 3%, min EUR 15 FOR 100% SECURED LOANS) RSD5.000(for RSD loans);min EUR 100(for fx loans) Commission for unused part of the loan - commitment fee (only for long-term loans)* Up to 0.5% p.a. for the unused portion Fee for early loan repayment-(only for long-term loans)* Up to 2% on the amount repaid early Monitoring fee * 1% per annum (at the beginning of the business year on the amount of debt balance) Fee for irregular fulfillment of contractual obligation up to 2% of outstanding up to 1% of outstanding loan loan amount amount 4.2. Project and special finance** Fee for processing and realization of loan application do 1% min RSD (za RSD loans); min EUR 100,00 (for fx loans) Fee for processing request for changing loan conditions In case of increased loan amount the tariff rate as in 4.2.1,and for other changes RSD fixed Commitment fee Up to 2% p.a. for the unutilized portion Prepaymet fee Up to 2% on the prepaid amount Monitoring fee Up to 1% p.a Arrangement fee Up to 1% Security agent fee Up to 0,5% Risk participation fee By arrangement Note: Fees for standard products are defined while creating credit products. *Only in case it is defined as a requirement by the decision of the competent decision-making body ** For each actual project / special financing the particular fee and pct of the fee within the given range as well as the manner of calculating of the same shall be determined 11

12 5. Fees for other operations Expert opinions on the investment loan studies given by experts engaged outside the Bank actual expenses Commission operations in usage and repayment for which the interest is charged in the amount of 4 perc. points Bank performs services for account of clients increased by the VAT Preparation of daily statements of account No fee Taking measures against debtor and guarantor in default RSD 100 per warning letter Protest, complaint, execution and other measures actual expenses Executing decisions of commercial and other courts and orders of other authorities for claim collection actual expenses Fee for assessment and check of investment projects actual expenses, or according to the criteria determined by the Credit committee Various services to clients (service for financial and accounting operations on the basis of loans and other) according to the agreement Settling sales agreement certificates arriving from the Central 0.20% on the market value of sales agreement Securities Registry, Depository and Clearing House certificates Settling sales agreement certificates arriving from the Central Securities Registry, Depository and Clearing House for the clients of the Broker Dealer Operations Team 0.1% on the market value of sales agreement certificates Registration of international credit operations (foreign borrowing transaction and foreign lending transaction) and registration of realisation of international credit operations with NBS. Preparation of forms and registration of foreign borrowing transaction or registration of Realization or foreign borrowing 3.000,00 RSD transaction with NBS when the creditor is member of Intesa Per each transaction SanPaolo group Preparation of forms and registration of foreign borrowing transaction or registration of Realizations or foreign borrowing transaction with NBS when the creditor is not member of Intesa SanPaolo group Preparation of forms and registration of foreign lending transaction or registration of Realization or foreign lending transaction with NBS Delivery of Statements with regard to international credit operations registered with NBS. Issuing of a document that is disclaimer of the Bank's right to an appeal according to the decision on deleting the pledge right 5.000,00 RSD Per each transaction 3.000,00 RSD Per each transaction 1.000,00 RSD Per Statement 5.000,00 RSD Per document 12

13 6. Broker operations 6.1. Brokerage fee in trading shares at the MTP and regulated market Provision for trade equity securities of issuing orders for depositing, acquisition and disposal, forced purchases and sales of dissenting shareholders 1% calculated on market value per transaction or sales agreement certificate 1% calculated on market value per transaction or sales agreement certificate Brokerage fee for trading in debt securities (bills, bonds and other) in local currency the issuer of which is the Republic of Serbia, the NBS, municipality or other local government entities. For trading in debt securities (bills, bonds, etc.) whose issuer is the Republic of Serbia, the NBS and the municipality or other local units that are denominated in foreign currencies, brokerage fee is determined as a percentage of the market value of the transaction (per transaction or sales agreement certificate) translated into dinars at the mid exchange rate of NBS on the day of placing the order, unless otherwise agreed RSD from % RSD from ,8% RSD ,6% RSD ,4% RSD ,2% RSD ,17% RSD ,16% over RSD ,15% 6.4. Trading bonds for settlement of retail FX savings A2016 1,4% 6.5. Trading debt securities bussines entities Up to RSD % RSD ,9% RSD ,8% over RSD ,7% 6.6. Change and/or revorking orders RSD Subscription and payment of the securities for buyers (investitors) Min RSD 500 per order, 1%, max RSD 100,000, per order 6.8. Borrowing or mediation in borrowing securities 1% calculated on nominal value of the lent securities 6.9. Services as a member of Central securities depositor and clearing house and corporete agent sevices For opening proprietery account (client individual) RSD For opening proprietery account (client corporation) RSD For opening escrow account (client -individual) RSD For opening escrow account (client corporation) RSD For opening depo securities account RSD For opening securities deposit account RSD For opening emission account RSD For closing account RSD For closing depo securities account RSD For transfer of securities ownership from proprietry to custody account (per ISIN number) RSD For transferring securities from proprietary account opened through one member of the Central Securities Registry proprietary account of the same owner to anather member of the Central Securities RSD Registry (change depositories, per ISIN number) For transfer of securities based on the contracts of gift and other contracts (per ISIN number) RSD For transfer of securities based on final court decision and requirements (inheritance and other solution, per ISIN number) RSD Subscription prohibition of disposal (per ISIN number) RSD Deleting prohibition of disposal (per ISIN number) RSD Enrollment of restriction (per ISIN number) RSD Assigning CFI code and ISIN number RSD Submission of a single shareholder book RSD Changes of ID Number for clients RSD Divident payments, for the issuer 3% od amount of dividend, min RSD Payment of dividends or coupons to holders of securities for corporate clients (per order) 0.05% Publication of the notice on the website of Central Securities Registry RSD Services that Banca Intesa provides in connection with opening and maintenance of special-purpose fx account for purchase or sale of fx bonds Opening special-purpose FX account 13

14 Domestic legal person RSD 600 (collection shall be made at account opening) Foreign legal person RSD 2000 (collection shall be made at acc.opening) 7. Retail fees 7.1. RSD operations Opening current account and RSD savings account No fee Maintaining RSD savings account No fee Maintaining current account: Basic account * RSD 125 per month »Intesa Hit«account ** RSD 300 per month maintaining blocked current accounts No fee Maintaining other types of current accounts*** No fee »Intesa Magnifica«current account ** RSD 400 per month Special purpose current account for Farmer RSD 125 monthly Statement from current account One statement a month - no fee, each subsequent RSD a month Statement of purpose account for Farmers No fee Monthly fee, for sending to the home address confirmation of payment made electronically, at the request of client RSD Cash withdrawal from current and dinar account (for any reason) No fee Non-cash payments by transfer from current account and RSD savings account and cash payments to current accounts of Legal entites Min. % of amount Max Transfer/payment by HIT / Intesa Magnifica current account RSD 60 0,8% RSD owner Transfer/payment by the owner of the Basic current account RSD 80 1,00% RSD Transfer/payment by other clients RSD 100 1,10% RSD Payments of liquiditi loans (by the founder) RSD 30 0,30% RSD Transfer/payment of special arrangments with legal entities RSD 15 0,20% RSD Transfer / payment by owner of special-purpose account for Farmer RSD 80 1,00% RSD Issuing cheques according to current accounts Up to 5 cheques per month No fee Over 5 cheques per month RSD 10 per cheque Payment/transfer to account No fee Payment by cheques and booklets other Banks 3% Payments and transfers under charity donations No fee * Fee for Basic current account maintaining is charged in full only from the available funds, regardless of any financial transaction within the month. For current accounts that are changed to Basic current account for the settlement purpose, fee is not charged for maintenance of Basic current account ** Fee for maintaining Intesa Hit / Intesa Magnifica current account is charged in full, only if there was any financial transaction within the month, regardless of the available funds. The financial transaction means any cash or non cash payment in amount over RSD For Intesa Magnifica current account, financial transactions include also financial transactions made by credit cards. ***Other types of current accounts are type 8 (students), type 10 (specific-purpose current account for Laki Kes) 7.2. FX operations Opening and maintaining FX savings deposit No fee Deposit of FX cash to FX savings account No fee Conversion at request of the FX savings account holder For concrete payments (nostro remittance) * 0,4% For FX cash withdrawal ** No fee For withdrawal or transfer, at the owner's request*** 0,4% For payments of credit card expenditure No fee Withdrawals from FX savings account In RSD **** No fee in FX cash ***** No fee *If client wants that the remittance is effected in the currency that he/she does not have at his FX savings deposit (conversion for nostro remittance is carried out according to purchase exchange rate of the BIB exchange list). ** If client wants that withdraw effective FX banknotes in the currency that he/she does not have at his FX savings deposit, and Bank cannot perform it (conversion is performed applying mid exchange rate of the NBS exchange list) *** If client wants that the payment off is effected in the currency that he/she does not have at his FX savings, or coverts FX within FX savings deposit from one currency to another (conversion is performed according to purchase exchange rate of the BIB exchange list) **** Amounts of RSD paying-out transactions, exceeding RSD are to be announced to the branch at least 24 hours in advance ***** Amounts of effective FX paying-out transactions exceeding countervalue of RSD , are to be announced to the branch at least 24 hours in advance. 14

15 7.3. Remittances Min. % from amount Max Nostro remittances Nostro remittances ordered by natural persons RSD ,7% RSD RSD Nostro remittances ordered by nonresidents on the account opened with the Bank. RSD RSD Nostro remittances ordered by nonresidents on the account opened with some other domestic bank RSD ,8% RSD RSD Nostro remittances ordered by residents on the account opened with the Bank. RSD RSD Nostro remittances ordered by residents on the account opened with some other domestic bank RSD ,7% RSD Inquires and requests for reimbursement or amendment of nostro remittance RSD actual foreign bank expenses Nostro remittances in Eur with option OUR for actual foreign bank expenses Up to 5.000,00 RSD From 5.000,01 to ,00 RSD From ,01 to ,00 RSD From ,01 RSD Nostro remittance in other currencies with option OUR for actual foreign bank expenses RSD Loro remittances Loro remittances while taking the party term foreign currency deposits of all terms and inflows from other domestic banks, based on charity donations No fee Up to 100 No fee Loro remittances from 100,01 to RSD 300 0,30% Over ,20% RSD Foreign pensions from Federal Republic of Germany 0,23% 7.4. Transfers within the country - Purchase, sale and lease of real estates, life insurance and clean transfer (among the own accounts) Min. % from amount Max Transfers within the bank * RSD 800 0,2% RSD Transfers to other domestic banks RSD ,3% RSD Return of funds per final calculation of business trip expenses to the account with other domestic bank RSD 600 0,2% Inquires and requests for cancellation or amendment of transfers RSD Transfers under charity donations No fee * If client terms deposits on the grounds of concluded purchase agreement or lease agreement for min. 1 month, the fee is not charged Note In case of transfers with charging option OUR, Bank will withhold RSD as the reservation for transfers in local currency, i.e. 0,1%, min.eur 30 (in RSD counter value on the bases of NBS middle exchange rate) for transfers in foreign currency. 15

16 7.5. FX operations Min. % from amount Max Purchase of effective FX banknotes no fee Sales of effective FX banknotes no fee Change of effective FX banknotes for smaller or bigger denominations RSD 80 0,5% Change of damaged effective FX banknotes RSD 10 2% Depositing and pay-off of loro cheques from FX saving deposit Banking cheque RSD 300 1,2% Traveler s cheque RSD 300 1,2% Pension cheque RSD 300 0,5% Private cheque RSD % Purchase of loro cheques through exchange operations RSD 300 1,2% Collection of inkaso cheques RSD % + real expenses 7.6. Tariff rates for foreign banks Min. % from amount Max Inflows when the ordering party covers expenses 5 0,1% Tariff rates regarding financial instruments Min. % from amount Opening and keeping of dinar and FX specific purposes accounts of financial instruments Clients of BIB Broker Dealer Operations Team no fee Clients of other brokerage institutions RSD Cash balancing fee trading with financial instruments Clients of BIB Broker Dealer Operations Team* RSD 20 0,1% Clients of other brokerage institutions * RSD 20 0,2% Over-the-counter-sale of Old FX savings bonds trading 0.9% * calculated according to the market value per transaction 7.8. L/G operations for natural entities Min. % od iznosa Max Request processing fee P()900 RSD ,1%* L/G for participation at tenders, public bids, public competition Issuing of L/G with 100% deposit 0,6%* RSD Issuing of L/G without deposit 1%* * collection is conducted on one-off basis Other L/G Issuing of L/G with 100% deposit 0,8%** RSD Issuing of L/G without deposit 1,5%** ** calculation and collection are conducted on quarter basis, after each three-month-period. Each started three-month-period is considered the whole Cancellation of L/G issuing request RSD ,1% *** Extension of validity date of the issued L/G RSD ,1%*** Protest of L/G ( preparation and realization) 0,2%*** *** from amount Max. 16

17 7.9. Retail Loans Loan disbursement fee 0% - 3% Sending warning notice to the loan user RSD 200 per warning notice Premature loans repayment fee contracts signed from the Premature loans repayment fee contracts signed up to Request for change of the real estate that is the subject of the mortgage Other operations Client pays to the Bank premature repayment fee according to costs due to premature repayment, calculated on the basis of Law on Financial Services Users Protection, not above: 1% of premature repaid principal, if the period between premature repayment and agreed maturity is longer than one year 0,50% of premature repaid principal, if the period between premature repayment and agreed maturity is shorter than one year Premature repayment fee will not be paid when total premature repaid amount is equal or less than RSD, including all premature repayments for the previous 12 months. In case of precisely stated premature repayment fee the provisions of the signed contract have to be applied; Otherwise, provisions of premature repayment fee won't be charged 50 (in dinar counter value, according to the mid exchange rate of the NBS on the payment day) Request for return of FX payment order upon execution Changes after the FX payment is effected, upon request of a client Return of inflow abroad upon the request of the ordering party Liquidity cash balancing of current account, a vista and term account no fee Issuing of various confirmations RSD Blocking of accounts no fee Sending default warning notice RSD 200 per warning notice Canceling of partial and full amount term savings deposit, before expiry of the first term saving period No fee Issuing of confirmation - SWIFT message RSD Issuing of confirmations for the effected depositing of founding investment according to the order of non-resident. RSD 300 per confirmation Registration of international credit operations (foreign borrowing transaction and foreign lending transaction) and registration of realization of international credit operations with NBS Preparation of forms and registration of foreign borrowing transaction or registration of Realization or foreign borrowing transaction with NBS when the creditor is member of Intesa RSD Per each transaction SanPaolo group Preparation of forms and registration of foreign borrowing transaction or registration of Realizations or foreign borrowing transaction with NBS when the creditor is not member of Intesa RSD Per each transaction SanPaolo group Preparation of forms and registration of foreign lending transaction or registration of Realization or foreign lending transaction with NBS RSD Per each transaction Delivery of Statements with regard to international credit operations registered with NBS. RSD 500 Per Statement 17

18 8. Electronic banking for individuals 8.1. Banca Intesa Online Activation of Banca Intesa Online Free of charge Banca Intesa Online monthly fee Free of charge 8.2. SMS MO SMS For TELENOR network users RSD 6,00 + PDV For MTS network users RSD 6,00 + PDV For VIP network users RSD 6,00 + PDV 8.3. IntesaMob Activation of IntesaMob service Free of charge IntesaMob monthly fee IntesaMob monthly fee for Intesa HIT, Intesa Magnifica and Basic current account users Free of charge IntesaMob monthly fee for other users RSD 50 per month 8.4. Non-cash payments for current account users through BIB On line and / or IntesaMob services "Intesa HIT" and Intesa Magnifica current account users Basic account users Free of charge The first 3 transactions per month free of charge, and the rest will be charged Min RSD Other clients Min. RSD 60 Percentage of amount 1,00% Percentage of amount 1,00% Max RSD Max. RSD

19 9. Payment cards Payment cards for retail 9.1. Annual membership fee for basic card Dina debit card no fee Dina credit card no fee Maestro card no fee Maestro Affinity Isic-Banca Intesa no fee Maestro Pre-paid RSD 300 yearly Maestro Co Brand BIB-MTS RSD 360 yearly MC Standard Co Brand BIB-MTS RSD 200 monthly MC within current account bundle (Standard and Gold) no fee MC Standard RSD 200 monthly MC Gold RSD 500 monthly Visa Electron no fee Visa Electron Affinity ETC no fee Visa Electron Affinity Paraolimpik no fee Visa Internet no fee Visa Inspire no fee Visa Classic RSD 200 monthly Visa Classic Affinity Paraolimpik RSD 160 monthly Visa Gold RSD 500 monthly AMEX Green RSD yearly AMEX Green Affinity LK* RSD yearly AMEX Gold** RSD yearly AMEX Blue RSD yearly AMEX Green with 100% deposit* RSD yearly AMEX Blue within current account bundle no fee 9.2. Annual membership fee for supplement card Dina debit no fee Maestro card no fee Maestro Affinity Isic-Banca Intesa no fee MC within current account bundle (Standard and Gold) no fee MC Standard RSD 100 monthly MC Standard Co Brand BIB-MTS RSD 100 monthly MC Gold RSD 300 monthly Visa Electron no fee Visa Electron Affinity ETC no fee Visa Electron Affinity Paraolimpik no fee Visa Inspire no fee Visa Classic RSD 100 monthly Visa Classic Affinity Paraolimpik RSD 70 monthly Visa Gold RSD 300 monthly AMEX Green RSD yearly AMEX Green Affinity LK* RSD yearly AMEX Gold** RSD yearly AMEX Blue RSD 900 yearly AMEX Green with 100% deposit* RSD 600 yearly AMEX Blue within current account bundle no fee * No membership fee is charged in first year **Amex Gold credit card users (main and additional users) with opened Intesa Magnifica current account 50% decrease of annual fee. 19

20 9.3. Blockade of the lost or stolen card, including replacement of lost or stolen card Dina debit card RSD Dina credit card RSD Maestro card RSD Maestro Affinity Isic-Banca Intesa RSD Maestro Co Brand BIB-MTS RSD MC within current account bundle (Standard and Gold) RSD MC Standard RSD MC Standard Co Brand BIB-MTS RSD MC Gold RSD Visa Electron RSD Visa Electron Affinity ETC RSD Visa Electron Affinity Paraolimpik RSD Visa Internet RSD Visa Inspire RSD Visa Classic RSD Visa Classic Affinity Paraolimpik RSD Visa Gold RSD AMEX Green RSD AMEX Green Affinity LK RSD AMEX Gold RSD AMEX Blue RSD AMEX Green with 100% deposit RSD AMEX Blue within current account bundle RSD Request for new PIN AMEX Blue RSD AMEX Green RSD AMEX Green Affinity LK RSD AMEX Gold RSD AMEX Green with 100% deposit RSD Cancellation of a card utilization Debit cards No fee Credit cards No fee 9.6. Urgent card production MasterCard, Visa and Dina credit cards RSD Debit cards RSD MasterCard SecureCode and Verified by VISA Issuing fee for MasterCard SecureCode CAP (Chip Authentication Program) and Verified by VISA DPA (Dynamic Password RSD 1,000 one-time fee Authentication) package (1 payment card reader) Monthly fee for MasterCard SecureCode and Verifed by VISA Free of charge Fees 9.8. Costs of sending notices in case of 60-day-default AMEX Green RSD AMEX Green Affinity LK RSD AMEX Gold RSD AMEX Blue RSD AMEX Green with 100% deposit RSD Costs of sending notices in case of 90-day-default AMEX Green RSD AMEX Green Affinity LK RSD AMEX Gold RSD AMEX Blue RSD AMEX Green with 100% deposit RSD 200 Transaction processing expenses 20

21 9.10. Cash withdrawals at the counters of BIB Dina debit card no fee Dina credit card 3% (Min. RSD 150) Maestro card no fee Maestro Affinity Isic-Banca Intesa no fee Maestro Co Brand BIB-MTS no fee MC within current account bundle (Standard and Gold) 3% (Min. RSD 150) MC Standard 3% (Min. RSD 150) MC Standard Co Brand BIB-MTS 3% (Min. RSD 150) MC Gold 3% (Min. RSD 150) Visa Electron no fee Visa Electron Affinity ETC no fee Visa Electron Affinity Paraolimpik no fee Visa Inspire no fee Visa Classic 3% (Min. RSD 150) Visa Classic Affinity Paraolimpik 3% (Min. RSD 150) Visa Gold 3% (Min. RSD 150) Cash withdrawal abroad Maestro card 2% (Min. EUR 2) Maestro Affinity Isic-Banca Intesa 2% (Min. EUR 2) Maestro Co Brand BIB-MTS 2% (Min. EUR 2) Maestro Pre-paid 2% (Min. EUR 2) MC within current account bundle (Standard and Gold) 3% (Min. EUR 3) MC Standard 3% (Min. EUR 3) MC Standard Co Brand BIB-MTS 3% (Min. EUR 3) MC Gold 3% (Min. EUR 3) Visa Inspire* 2% (Min. EUR 2) Visa Electron Affinity ETC 2% (Min. EUR 2) Visa Electron 2% (Min. EUR 3) Visa Electron Affinity Paraolimpik 2% (Min. EUR 3) Visa Classic 3% (Min. EUR 3) Visa Classic Affinity Paraolimpik 3% (Min. EUR 3) Visa Gold 3% (Min. EUR 3) AMEX Green 3% (Min. EUR 5) AMEX Green Affinity LK 3% (Min. EUR 5) AMEX Gold 3% (Min. EUR 5) AMEX Blue 3% (Min. EUR 5) AMEX Green with 100% deposit 3% (Min. EUR 5) AMEX Blue within current account bundle 3% (Min. EUR 5) * Cash withdrawals at ATM-s wihin the Intesa Sanpaolo Group without fee,change made by decision number IO/4/31/11 from