Fees for private individuals. The data was updated on 27 June / LIVE BETTER

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1 Fees for private individuals The data was updated on 27 June / LIVE BETTER

2 Fee for private individuals Current account and other Start package Premium package Opening included in the package included in the package Monthly fee equivalent to 0.75* Minimum balance Not applicable Not applicable Not applicable Cash withdrawal up to 100,000 at Cash counters ** Cash withdrawal of amounts starting from 100,000 at Cash counters 0.1% of amount withdrawn *Fee applied is 0.75 EUR equivalent for the accounts in foreign currencies **With the exception of flexi accounts. 0.1% of amount withdrawn 0.1% of amount withdrawn Cash deposit in any account in amounts up to EUR 20, Coins deposit (over 100 pieces) 5% min 5 5% min 5 5% min 5 Cash deposit of amounts starting from EUR 20,000 Cash deposit of amounts starting from EUR 20,000 is only allowed at Main branches in Prishtina*) and other Main branches in Kosovo**) Transfer between accounts of the Raiffeisen Bank in Kosovo 1 Transfer between accounts of the Raiffeisen Bank in Kosovo (via E- banking) Transfer between customer's accounts at the branch 1 Standing order - contract concluded at the branch 1 Transfer via standing order - contract concluded at the branch 1 Standing order - contract concluded via E-banking Transfer via standing order contract concluded via E- banking Incoming transfer between banks in Kosovo Transfer to other banks in Kosovo via branches Transfer to other banks in Kosovo via E-banking Student payment at the branch 1.50 Not applicable Not applicable CFA payments at the branch CFA payments via E-banking GIRO payments at the branch GIRO payments via E-banking Other fees International incoming transfers 6.00 International outgoing transfers in the branch International outgoing transfers through ebanking * all fees in other currencies are equivalent to the fees in EUR ** Only Raiffeisen Bank fees are shown, while intermediary banks fees for OUR and SHA option are not included Inqueries on outgoing transfers less than 3 months from transfer processing more than 3 months from transfer processing Third-party deductions Third-party deductions

3 Other fees Current account and other Start package Premium package Closing of account Payment form copy (if required 6 months after execution date) Visa confirmation included in the package Account confirmation 2.50 included in the package included in the package Change of mortgage collateral fee Confirmation fee on obligations toward Bank Account authorization fee 5.00 Damaged banknotes deposit (1 piece) 1.00 Damaged banknotes deposit (more than 1 piece) 0.5 per banknote Account statement fee ( for the first time) Commission for the execution of court and/or private enforcement agent orders * Commission for interest calculation according to the court and/or private enforcement agent orders Cheques issued by other banks *Except for pension accounts, where the applicable fee is 1.5. Time Deposit %, min , max per cheque - plus third party charges Contract concluding Contract concluding Contract concluding Contract concluding Minimum balance (EUR, USD and GBP) Minimum balance (EUR, USD and GBP) Minimum balance (EUR, USD and GBP) Transfer at maturity in current / savings account Transfer at maturity in Transfer at maturity in current / savings account current / savings account Time Deposit Accounts and all other savings accounts are available for current account package customers only. Minimum balance (EUR, USD and GBP) Transfer at maturity in current / savings account Please, contact customer relationship officer for the interest rates. If the agreement is terminated prior to maturity, penalty fee shall apply as per conditions defined in the contract. Flexi Deposit Account Opening Account Opening Account Opening Account Opening Minimum balance Minimum balance Minimum balance Minimum balance Interest Rate Interest Rate Interest Rate Interest Rate Savings account Account Opening Account Opening Account Opening Account Opening Minimum balance Minimum balance Minimum balance Minimum balance Interest Rate Interest Rate Interest Rate Interest Rate Savings Account for Children Account Opening Minimum balance Not applicable Not applicable Not applicable Interest Rate 0.01% 0.01% 0.01% Vërejtje: - Për klientet ekzistues me llogari të kursimeve (të gjitha llojeve) banka do të aplikoj këto kushte duke filluar nga data 1 Janar Për klientët ekzistues që nuk kanë asnjë produkt financiar me bankën apo as Pako e që llogaritë e tyre janë hapur deri në fund të vitit 2009 ndërpriten kontratat. - Për mbitërheqje të pa-autorizuar në secilën lloj të llogarisë interesi maksimal i aplikuar do të jetë 28%.

4 SMS Top Up Service Current and Start Package Premium Package other accounts Monthly maintenance fee 0.20 included in the package included in the package SMS Top Up or any other service fee 0.10 included in the package included in the package E-Banking SMS SMS option application included in the package SMS Solution Account monthly maintenance fee per user included in the package Fee for every SMS Banking sent E-Banking Web Web option application 5.00 included in the package included in the package Web account monthly maintenance 0.50 included in the package included in the package Reissuance of PIN code upon client request (web option) The application and maintenance fee for SMS shall not apply for new costumers with a package E-Banking Bank ID Bank ID option application E-Banking Offline or 1 per h or 1 per h Smart Card Smart Card Readers Smart Card Account monthly maintenance per user USB option (replacement for Smart Card and Smart Card Reader) included in the package Replacement of a lost, stolen or damaged card or card reader Smart Card Smart Card Reader USB option CHF account fees Account balance Monthly maintenance Up to 5, ,001-10, ,001-14, ,000-20, ,001-30, ,001-50, , , , , , , Over 250, Applicable as of 01September 2017 Tërheqja në valuta të huaja Coins 0-50,000 Starting from 50,000 USD $ % CHF Chf % GBP % For withdrawals over 10,000 in any currency a 24h notice is required For withdrawals over 100,000 in any currency a two days notice is required Daily withdrawal limits as per branches with no notice required Prishtina Main Branch* 50,000 Other branches in Kosovo** 25,000 Sub Branches*** 10,000 *Main branches in Prishtina: Prishtina 1, Corporates, Premium Branch, and Prishtina V **Other branches in Kosovo: Mitrovica, Peja, Gjilan, Gjakova, Prizren, Ferizaj and Mitrovica North *** Sub Branches: Fushë Kosova, Vushtrri, Kamenicë, Malishevë, Kaçanik, Shtërpce, Graçanicë, Rahovec, Prishtinë Bulevardi Bill Klinton, Viti, Podujevë, Suharekë, Istog, Klinë, Lipjan, Prizren - Shadërvan, Drenas, Prishtinë - Sunny Hill, Dragodan, Dardani,Vranjevc, Obiliq, Taslixhe, Airport, Dragash, Prizren 3,SSub Branch Mitrovicë, Shtërpce, Shtime, Hani i Elezit, Ferizaj 2, Ferizaj 3, Rahovec, Sub Branch Gjakovë, Deçan, Sub Branch, Pejë, Sub Branch Gjilan. Foreign Currency Deposits Coins Up to 20,000 Starting from 20,000 USD $ 2.50 $ 10 CHF Chf 2.50 Chf 10 GBP Deposit of amounts higher than EUR 20,000 is permitted only in main branches in Prishtina* and other main branches in Kosovo** * Foreign currency deposit fees will begin to apply as of 25 November 2016

5 Debit Cards Visa Electron Debit Master Card Card issuance fee POS payments within Raiffeisen Bank network Payments in other bank POS Terminals in the country 1% 1% POS payments outside the country and online payments 1% 1% Card maintenance fee Cash withdrawal from Raiffeisen Bank ATMs in Kosovo (for package customers) Cash withdrawal from Raiffeisen Bank ATMs in Kosovo, within bank premises (for non package customers) Cash withdrawal from Raiffeisen Bank ATMs in Kosovo outside bank premises (for non package customers) Cash withdrawal from any other bank ATM 2.5%, min %, min Cash withdrawal at banks outside Kosovo (cash counters or exchange bureaus) and ATMs outside Kosovo 2.5%, min %, min Replacement of a lost, stolen or damaged card Exchange currency fee for transactions performed outside the country 2% 2% Penalty fee for cash withdrawal from a blocked account Cash deposit at RBKO's ATMs Card to Card transfers at RBKO's ATMs Incoming online payments 1% 1% Visa Bonus & Visa Gold Credit Cards Visa Bonus Note: Effective interest rates shall be calculated pursuant to CBK regulation Card issuance fee 5.00 Card replacement 5.00 Annual fee Cash withdrawal from Raiffeisen Bank ATMs/cash counters 2.00%, min Cash withdrawal from ATMs/cash counters in the country 2.50%, min Cash withdrawal from ATMs/cash counters outside the country 3.00%, min POS payments within Raiffeisen Bank network Payments in other bank POS Terminals in the country 1% POS payments outside the country and online payments 1% Monthly cash withdrawal limit 50% of limit approved Minimum payment 5% Regular annual interest rate 24.90% Effective annual interest rate 30.44% Penalty interest 18% annually Monthly statement fee Bonus on installment transactions 1% Bonus on non-installment transactions 0.50% Penalty fee for cash withdrawal from a blocked account Exchange currency fee for transactions performed outside the country 2% Incoming online payments 1% As per applicable laws in the RKS, a tax shall apply to bonus amount earned

6 Master Card (charge card) Note: Effective interest rates shall be calculated pursuant to CBK regulation Minimum monthly salary Card issuance fee 5.00 Replacement of a lost, stolen or damaged card 5.00 Card maintenance fee annually Cash withdrawal from Raiffeisen Bank ATMs in Kosovo 2.5%, min Cash withdrawal from any other bank ATM 2.5%, min Cash withdrawal in banks outside Kosovo (cash counters or exchange bureaus) 2.5%, min Penalty fee for cash withdrawal from a blocked account Penalty interest 0.4% daily fee Exchange currency fee for transactions performed outside the country 2% Incoming online payments 1% Other fees at RBKO's ATMs Fee on card holder's preferred currency for Master cards of other countries 6% Withdrawal fees for card holders of other countries 5.00 Current Account Packages Start package with a monthly fee of 1.99 includes the following products/services: Opening of account Current account monthly maintenance fee Debit Card issuance (Visa Electron, Visa Classic and Debit Master) E-Banking/M-Banking activation E-banking / M-Banking maintenance Credit card issuance One account statement per month Credit Card monthly statement SMS Top Up Service Discount on ATM withdrawal fee Discount on tax payment fee Discount on fees for national transfers via E-banking Premium package with a monthly fee of 3.99 includes the following products/services: Opening of account Current account monthly maintenance fee Debit Card issuance (Visa Electron, Visa Classic and Debit Master) Visa Classic monthly maintenance SMS banking service activation SMS banking maintenance E-Banking / M-Banking activation E-banking / M-Banking maintenance Bank ID Credit card issuance Credit Card monthly statement SMS Top Up Service Discount on ATM withdrawal fee Discount on tax payment fee Discount on fees for national transfers via E-banking Two interbank transfers per month Two monthly account statements Visa Confirmation Exemptions applied to student payments and accounts Student payments via E-banking Student Account Maintenance Fee Debit Card Issuance Withdrawals from RBKO's ATMs POS payments outside the country Withdrawals from ATMs outside the country Internet payments E-banking application - web option E-banking maintenance - web option

7 Loans Note: Effective Interest Rate is calculated pursuant to CBK regulation. For the EIR disclosure in this fee list, for each product the nominal rate and maximum duration have been taken into account. Minimum amount Maximum amount The maximum duration Administrative expenses Interest Rates Effective Interest Rate Prepayment commission Penalty Interest * Loan maintenance fee Personal Loans 1,000 25, months 1% of amount disbursed Up to 5,000 EUR 10.9%, over 5,000 EUR 9.9% 12.01% 10.89% 1%** Express 200 5, months 2% of amount disbursed Personal loan with no salary through Bank 200 5, months 2% of amount disbursed Bio Loans 1,000 10, months 2% of amount disbursed 16.90% 19.37% 19.90% 25% up to 5,000 EUR 9.9%, over 5,000 EUR 8.9% 11.32% 1%** 1%** 10.22% 1%** Overdraft / Limit 140 5, months free 18% For two salaries Cash cover Loans for funding education Mortgage 200 Based on the deposited t 1,000 10,000 and 15,000 ****** Minimum amount Maximum amount 19.56% pa pagesë For two salaries 24% 26.82% for one salary for one salary 84 months 0.50% 2.00% 2.16% 50% of remaining interest 60 and 84 months ******* The maximum duration 0% 8% 8.3% 1%** Variable rate of annual interest **** Fixed Interest Rate Effective Interest Rate Administrativ e expenses 1.5% per month 1.00 for one salary 0.50 for two salaries*** 1.5% per month Prepayment commission N/A Late payment penalty interest Home/apartmen t purchase 15, , months 6.2% + 6M Euribor 8.70% 9.14% 1.50% max. 5%***** 1.5% per month Renovation Construction 15, , months 8.1% + 6m Euribor 15, , months 8.1% + 6m Euribor 10.60% 11.23% 1.50% max. 5%***** 1.5% per month 10.60% 13.81% 2.00% max. 5%***** 1.5% per month Land purchase 15, , months n/a 13.00% 16.62% 2.00% 50% of remaining interest * A penalty interest rate per month of 3% remains valid for all contracts and products which on 1 May 2016 were overdue with their regular payments **1% of the amount if the loan maturity is less than one year, and 2% of the amount if the loan maturity is more than one year. ***Applicable for non current account package customers only ****The Bank offers variable interest rate mortgage. For additional clarifications about variable rates and EIR calculations for these rates, please contact banking officers at your closest branch. *****Prepayment commission is applicable as per CBK Regulation on Mortgage Loans. A 5% commission is applicable for the first year only. For all non- residential mortgage a commission of 50% of remaining interest is applicable. ****** Financial funding at AUK is the only one allowed at 15, % per month

8 Complains or comments? For any complaints, please send an SMS at or, contact us for free at , send an to or send a letter to our mail address, Str.Edmond Hoxha, No. 27, Prishtina, Kosovo, addressed to Customer Care Unit. Contact Centre: web: 038/ info@raiffeisen-kosovo.com TI03/2018

Fees for private individuals. The data was updated on 21st of September /

Fees for private individuals. The data was updated on 21st of September / Fees for private individuals The data was updated on 21st of September 2018 wwwraiffeisen-kosovocom 038/049 222 222 Fee for private individuals Current account and other Start package Premium package Opening