RULEBOOK on determination of the fees for services in EUROSTANDARD Bank AD Skopje
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1 RULOOK on determination of the fees for services in UROSTNR ank Skopje april 2018
2 Rulebook on determination of the fees for services of urostandard ank Skopje ONTNTS 1.Introduction 2.General Provisions 3. TLOGU ON S O PROUTS N SRVIS LNING pproval and maintenance of loans to legal entities pproval and maintaining of loans to individuals PROSSING O N PPLITION OR GURNTS N LONS PYMNT OPRTIONS RO ORIGN PYMNT OPRTIONS NON-RSINTS, SI PRMIUM PKG ORIGN PYMNT OPRTIONS NON-RSINTS, VN PRMIUM PKG.. 6. OUMNTRY LTTRS O RIT Import (nostro) letters of credit xport (loro) letters of credit ORIGN GURNTS OPRTIONS Nostro guarantees Loro guarantees OMSTI PYMNT OPRTIONS omestic payment operations services for legal entities and individuals... 9 G. OTHR PYMNT OPRTIONS xecution of court decisions, executive decisions and an executor execution order Individuals Preparation of documents Preparation of a solvency report lectronic anking ebenture I. OPRTIONS WITH SURITIS J. ORIGN URRNY TRSURY OPRTIONS K. NON-RSINTS ORIGN URRNY OPRTIONS ORIGN LGL NTITIS - NON-RSINTS ORIGN INIVIULS - NON-RSINTS OTHR OPRTIONS TRNSITIONL N INL PROVISIONS 1
3 Rulebook on determination of the fees for services of urostandard ank Skopje 3. atalogue on fees of products and services. LNING no. escription of service fee + VT 1. Loan maintaining and other services on behalf of the provider of the funds. according to contract 1.1. osts for loan applications of legal entities application for a framework revolving credit limit application for any type of single loan exposure or guarantee MK one-off MK one-off 2. pproval and maintenance of loans to legal entities 2.1. Loan management fee (admission of applications, processing and tracking) pproval of short-term loans to legal entities short-term loans urrent account loan according to the current account principle 0.3% to 2.0% one-off handling of fees while approving the loan, minimum MK 2, * from 0.3% to 2.0% per annum in advance, minimum MK 2, revolving credit - R Management (admission of applications, processing and tracking) with a usage time-limit: - up to1 year until the time frame usage from 0.5% to 2.0% min. 2, per day - for any further use based on the revolving (upon utilization of the revolving) 0.25% pproval and maintaining of long-term loans to legal entities pproval of long-term loans from the ank s own resources from 0.75% to 2.0% one-off handling fees, during the approval of the loan pproval and maintenance of short-term and long-term loans to legal entities enabled through the credit lines of MPR Macedonian ank for evelopment and Promotion pproval and maintenance of short-term and long-term loans of legal entities (MPR) from 0.5% to 2.0% one-off, during the approval of the loan* 2.2. ee for change of deadline and dynamics of loans repayment for legal entities hange of deadline and dynamics of short-term and long-term loans repayment up to 2.0% of the outstanding loan amount, min MK 1, per executed change * The exact rate is determined in accordance with the decision of the redit ommittee The exact rate is determined in accordance with the decision of the redit ommittee 2
4 Rulebook on determination of the fees for services of urostandard ank Skopje 2.3. ee for a security change for a framework revolving credit limit for all other loan exposures up to 1.0% handling costs, one-off, to the amount of the framework revolving credit limit min. MK 2.000,00 * up to 1.0% handling costs, one-off, to the remaining amount of the loan exposure with a security change, minimum MK 2.000,00 * 2.4. Prepayment of a concluded contract * up to 2.0% handling fees * 2.5 ancellation of already approved loan 0.5% minimum MK 2, ancellation of already approved loan before signing a contract 0.5% minimum MK 2, Issuance of Letter of Intent MK elivery of warnings for outstanding liabilities first warning no fee second warning MK third warning MK pproval and maintaining of loans to individuals Received loan application no fee Loan application costs for individuals MK onsumption loans to individuals without a specific purpose up to 7 years from 0.3 to 2.5% handling fees, one-off, payable upon approval of the loan, minimum MK Prepayment of loans to individuals loans to individuals without a specific purpose 0 to 2.0% loans to individuals secured with 100% deposit 0 to 2.0% loans to individuals secured by securities 0 to 2.0% loans to individuals secured by real estate 0 to 2.0% pproval and management of revolving credit on on behalf of an individual no fee * * costs are calculated on the amount of early repaid principal, minimum MK 5.000,00 depending on the type of product 3
5 Rulebook on determination of the fees for services of urostandard ank Skopje Loan maintaining and other services on behalf of the provider of the funds. according to contract elivery of warnings for outstanding liabilities first warning no fee second warning MK In third warning MK PROSSING O N PPLITION OR GURNTS N LONS Processing an application for guarantees and loans of legal entities ee for processing applications for guarantees and loans 0.3% - 0.5% minimum MK ee for maintaining MK guarantees for participation in a bidding 0.5% one-off for good performance for payment guarantees for customs guarantees on various grounds for the period of validity of the guarantee for guarantees fully secured by MK or foreign currency deposit - for participation in a bidding - for good performance, payment guarantees, customs guarantees 0.35% with monthly calculation, minimum MK 1, % with monthly calculation or minimum MK 1, up to MK 3,000, % * rom MK 3,000,000 to MK 5,000, % * over MK 5,000, % * 0.2% one-off, minimum MK on a monthly basis, minimum MK Modification of guarantee terms MK 1, PYMNT OPRTIONS RO 1. Remittances (outflow) from foreign exchange accounts to legal entities - resodents rom MK accounts of legal entities for purchased foreign currency through the foreign exchange market - residents 0.3% to UR 50, % from UR 50,000 to UR 100, % above UR 100, % to UR 50, % from UR 50,000 to UR 100, % above UR 100,000 Payments for non-residenst legal entities 1,0% of the amount * The rate is calculated on a monthly basis 4
6 Rulebook on determination of the fees for services of urostandard ank Skopje Order modification reclamation MK charges for modification of an order Payment of cash for business trips and exploitation costs 0.5% min. MK Remittances (inflows) On behalf of domestic legal entities 0.1%, minimum MK Payment of foreign cash upon approval of the National ank of the Republic of Macedonia (NRM) 0.5% min. MK Order modification reclamation MK Order modification reclamation -foreign legal physical entity UR 10 (MK ) 3. onditional remittances or all amounts 0.4% min. MK 1.000,00 4. ocumentary collection and encashment of bills Nostro and loro collection 0.5% min. MK Presentation of documents without payment 0.4% min. MK hanges of terms MK 1.000,00 ollection of checks and other securities 1.5% min. MK 1.000,00 Loro collection with executive protest 0.7% min. MK 1.000,00 Sending checks for refund for legal entities 0.2% min. MK charges of the foreign bank -1. ORIGN PYMNT OPRTIONS NON-RSINTS, SI PRMIUM PKG 1. Operation with non-residents and accounts of non-residents opened by an agent Review of documents necessary to open an account Processing documents and opening an account Keeping an account 150 UR in MK counter-value upon the average rate of exchange of the National ank of the Republic of Macedonia 450 UR in MK counter-value upon the average rate of exchange of the National ank of the Republic of Macedonia 70 UR monthly in MK counter-value upon the average rate of exchange of the National ank of the Republic of Macedonia 5
7 Rulebook on determination of the fees for services of urostandard ank Skopje oreign remittances for nonresidents Inflow from for nonresidents 1,5% of the amount Min. 15 UR Max. 150 UR in MK counter-value upon the average rate of exchange of the National ank of the Republic of Macedonia 1,5% of the amount Min. 15 UR Max. 100 UR in MK counter-value upon the average rate of exchange of the National ank of the Republic of Macedonia ORIGN PYMNT OPRTIONS NON-RSINTS, VN PRMIUM PKG 1. Operation with non-residents and accounts of non-residents opened by an agent or clients from whom commission on inflows and outflows over UR throughout 1 calendar month has been calculated and collected oreign remittances for nonresidents * Inflow from for nonresidents * - Single outflow under UR - 15 UR - Single outflow over UR and all other currencies except UR -1,5% of the amount min 15 UR max 65 UR in MK counter-value upon the average rate of exchange of the National ank of the Republic of Macedonia - Single inflow under UR -10 UR - Single inflow over ЕУР and all other currencies except UR - 1,5% of the amount min 15 UR max 40 UR in MK counter-value upon the average rate of exchange of the National ank of the Republic of Macedonia * the tariff is applied throughout 1 calendar month, following the month when the term of use of the dvanced Premium Package has been met. In case the term hasn t been met during the following 1 calendar month, the calculation of the tariff on -1 Premium Package shall be applied for the next month. N..osts of the foreign corresponding banks shall be calculated and collected from the account of the client of S, if costs are at the expense of the client of S. 6
8 Rulebook on determination of the fees for services of urostandard ank Skopje. OUMNTRY LTTRS O RIT 1. Import (nostro) letters of credit G H I J K L Opening letters of credit with coverage Opening letters of credit without coverage Opening letter of credit with a bank guarantee Opening mortgage letter of credit redit transfer without obligations Modification of the terms of the letter of credit Opening a confirmed covered letter of credit Opening a confirmed letter of credit without coverage Opening a confirmed letter of credit with a bank guarantee Opening a confirmed mortgage letter of credit ancellation of the application prior to the authorization by the competent authority ancellation of the qpplication upon approval by the competent authority 0.2% one-off, min. MK 1.000,00 + charges 0.7% per month, min. MK 1.000,00 + charges 0.3% per month, min. MK 1.000,00 + charges 0.4% per month, min. MK 1.000,00 + charges 0.3% one-off, min. MK 1.000,00 + charges MK 1.000, % per month, min. MK 1.000,00 + charges 1.2% per month, min. MK 3.000,00 + charges 0.5% per month, min. MK 2.000,00 + charges 0.7% per month, min. MK 2.000,00 + charges 0.2% min MK 1, maximum MK 5.000,00 0.2% min 1, MK maximum MK 5.000,00 M Special arrangements according to contract 2. xport (loro) letters of credit Notification without obligations onfirmation without coverage onfirmation with coverage Modification of the terms of the letter of credit redit transfer without obligations ocuments download 0.1% per month, min. MK 1000,00, max. MK 5, % per month, min. MK 5.000,00 + charges 0.2%one-off, min. MK 1000,00 + charges MK 1, % one-off, min. MK 1000,00 + charges 0.15 one-off, min. MK 1000,00 + charges. ORIGN GURNTS OPRTIONS 1. Nostro guarantees Payment guarantees with private coverage 0.2% one-off, min. MK 1.000,00 + charges 7
9 Rulebook on determination of the fees for services of urostandard ank Skopje Payment guarantees with a bank guarantee 0.3% per month, min. MK 1.000,00 + charges Mortgage payment guarantees 0.4% per month, min. MK 1.000,00 + charges Payment guarantees without coverage 0.7% per month, min. MK 1.000,00 + charges onfirmation of guarantees - all kinds 1. with coverage 0.1% per month, min. MK 1.000,00 2. without coverage 0.5% per month, min. MK 3.000,00 3. with mortgage 0.3% per month, min. MK 2, with a guarantee from another bank 0.2% per month, min. MK 1.000,00 5. extra charges will be calculated for all kinds Performance guarantees with coverage 0.2% one-off, min. MK 1, charges G Performance security guarantees - mortgage or a bank guarantee 0.3% per month, min. MK 1, charges H Performance guarantees without coverage 0.6% per month, min. MK 1, charges I mendment of terms MK 1.000,00 J K Issuing super guarantees for first class banks Issuing super guarantees for other guarantors 1.0% min. MK 3.000,00 + charges 2.0% min. MK 5.000,00 + charges L ocuments check before approval 0.2% one-off, min. MK 1.000,00 2. Loro guarantees Notification without obligation 0.1% one-off, min.1.000,00 MK + charges onfirmation with coverage 0.05% per month min.1.000,00 MK + charges onfirmation without coverage 0.5% per month, min. MK 3.000,00 + charges mendment of terms MK 1.000,00 Sending of documents 0.15% min 1, MK + domestic expenses refunded 8
10 Rulebook on determination of the fees for services of urostandard ank Skopje. OMSTI PYMNT OPRTIONS 1. omestic payment operations services for legal entities and individuals 1.1. Opening, maintaining and closing of bank accounts and preparing bank statements Opening transaction accounts Opening accounts of legal entities no fee Opening an accounts of individuals no fee G H I Maintaining transaction accounts of legal entities with debt turnover Maintaining transaction accounts of individuals with monthly operations (without considering transactions based on interest and transfers fromto a savings account, loan and credit card payments) Maintaining transaction accounts of individuals-citizens for health character donations Immediate opening of a transaction account upon request of a legal entity Immediate opening of a transaction account upon request an individual anking fee for corporate accounts which did not have a debit turnover for two years anking fee for individual accounts which did not have a debit turnover for two years MK per month MK per month no fee MK MK MK MK Preparation of bank statements for legal entities no fee for individuals no fee for individuals - citizens for health character donations Printing a bank statement of a closed legal entity account Printing a bank statement of a closed account of individuals no fee MK MK losing the account upon account holder s request losing the account of a legal entity - balancing losing the account of an individual - balancing MK 1, from the account MK
11 Rulebook on determination of the fees for services of urostandard ank Skopje losing of account based on a court decision - balancing losing of accounts of legal entities upon reporting from the entral Register (*if the account balance amounts less than the charged fee, then a fee in the same amount of the account balance is charged) no fee MK ash payments ash payments from the account of: Legal entities 0.15% of the amount - minimum MK Individuals at bank counters no fee Individuals - citizens for health character donations no fee ash payment into personal account: Legal entities no fee Individuals at bank counters no fee ash payments from individuals who do not possess a bank account payments to urostandard ank Skopje (any account) payments towards accounts maintained in urostandard ank starting with 370 no fee no fee payments outside the ank 1.50% (min. MK max. MK ) for KIS transactions MK for MIPS transactions G payment of overheads to accounts of legal entities with concluded special agreement with the bank payments from individuals with or without an urostandard ank (S) account towards the collective account for broadcasting fee payments from individuals with or without account in S towards the account of P Vodovod i kanalizacija - Skopje payments towards client account of urostandard ank for securities no fee MK MK 5.00 MK ees arising from contracts with trading companies for providing benefits to consumers - members of the company 10
12 Rulebook on determination of the fees for services of urostandard ank Skopje Payments of members of the company, identified and recorded with an identification number from the banking system Payments of the company towards the partner companies, upon notification from the company no fee no fee ashless transaction turnover or MIPS transactions of legal entities upon written order MK upon order submitted via electronic banking upon legal entity s order towards clients with accounts outside the S (the Managemend oard shall decide for this type of clients) MK MK MIPS transactions of individuals upon written order MK upon written order towards indirect participants in MIPS MIPS transactions of individuals by order submitted via electronic banking MK MK Transactions within the system for calculation of small interbank payments - KIS upon order (transaction) from a legal entity account 0.035% minimum MK up to MK upon legal entity order towards clients with accounts outside the S (the Managemend oard shall decide for this type of clients) upon electronically submitted order from the account of a legal entity upon order from the account of an individual upon order to the account of an individual submitted via -anking MK MK per transaction MK MK per transaction MK payments from non-residents on behalf of resident legal and physical entities in urostandard ank 0.1%, min MK
13 Rulebook on determination of the fees for services of urostandard ank Skopje Internal clearing transactions G H I J upon order (transaction) from a legal entity account upon order (transaction) from a legal entity account via -anking upon order from accounting offices via - anking upon order from the account of an individual upon order from the account of an individual towards account of S and towards his personal account upon order from the account of an individual submitted via e-banking except towards S accounts withdrawal of KIS order upon holder s request for transactions of legal entities for payment of salary orders via electronic form or e-banking (KIS) orders via electronic form or e-banking (INTRNL) MK MK MK MK no fee MK 5.00 MK no fee MK 8.00 payment of salary via KIS MK 3.00 internal payment of salary G. OTHR PYMNT OPRTIONS 1. xecution of court decisions, executive decisions and an executor execution order Legal entities xecution of claim enforcements, oneoff or up to three warnings MK 1.000,00 upon account blocking and unblocking MK upon every third blockade change MK per change calculation of interest up to 5 principals MK calculation of interest over 5 principals MK per principal G additional interest calculation MK H Issuance of a copy of the decision on the claim enforcements MK per decision 12
14 Rulebook on determination of the fees for services of urostandard ank Skopje I Preparation of information upon request from the Ministry of Labour and Social Policy, mployment gency and the Health Insurance und, based on the signed xchange Protocol MK 1.000,00 2. Individuals execution of claim enforcements, oneoff or up to three warnings MK 1,000,00 upon account blocking and unblocking MK upon every third blockade change MK per change calculation of interest up to 5 principals MK calculation of interest over 5 principals MK per principal additional interest calculation MK G Issuance of a copy of the decision on the claim enforcements MK Preparation of documents issuance of confirmations, data verification and account balance-card * MK (VT included) preparation of copies of statements MK (VT included) Issuance of copies of documents MK (60.00 VT included) preparation of reports on data for claim enforcements upon request of executors and issuing confirmations for notaries Issuing written or electronic confirmations on the account balance per client for on behalf of the Public Revenue Office (PRO) opy of a payment instrument MK (VT included) MK ,00 MK (including VT) G Issuance of a copy of the original payment instrument 354,00 MK (including VT) * price per confirmation or verification price per copy price per page 13
15 Rulebook on determination of the fees for services of urostandard ank Skopje 4. Preparation of a solvency report per report MK (VT included) for each second or third sample MK (VT included) Interest calculation upon client s request or re-issuing of cards-authorization for submission of payment orders and card-authorization for taking bank statements per individual card MK (VT included) MK (VT included) 5. lectronic anking lectronic banking access with enabled transactions for legal entities lectronic banking access with enabled transactions for individuals no fee no fee 6. ebenture xecution of debenture MK 1, per debenture iling of debenture for payment (fee for filing the debenture is charged to the creditor, the debenture holder) Withdrawal of a debenture by the creditor (withdrawal fee is charged tothe creditor) MK per debenture MK per debenture H. R OPRTIONS GIT R Gift card INRS LU ard omestic cards 1 Issuing a card with pin number MK one-off MK one-off no fee 2 nnual membership fee for a debit card no fee no fee 3 nnual membership fee for debit card after the end of the first year no fee 4 nnual fee for credit card MK (12 installments of MK ) no fee for the first year of usage 5 nnual fees for credit cards after the end of the first year asic ard - MK
16 Rulebook on determination of the fees for services of urostandard ank Skopje additional card MK ee for withdrawing cash with debit cards from TMs in possession of UROSTNR NK no fee no fee 7 ee for withdrawing cash with redit ards from TMs in possession of UROSTNR NK 5.0% max. withdrawing ramount MK 15, % min. MK ee for withdrawing cash with debit cards from TMs that are not in possession of UROSTNR NK 2.0% for each transaction or min. MK % min. MK ee for withdrawing cash with redit ards from TMs that are not in possession of UROSTNR NK 5.0% max. withdrawing ramount MK 15, % min. MK ee for withdrawing cash from POS terminals no fee 11 ee for cash withdrawal at the counters of other banks 2.0% for each transaction or min. MK % max. withdrawing ramount MK 15, % min. MK Reissuance of a card (stolen, damaged, lost) MK with VT MK MK Reissuance of a card (stolen, damaged, lost) with minutes from the MOI (Ministry of Interior) no fee no fee no fee 14 Reissuance of a PIN code (forgotten, lost) MK with VT MK MK xtention of a card upon the final date of expiry MK (12 installments of MK ) 16 dditional card for authorized person MK (12 installments of MK 50.00) 17 Processing of an application for changing the daily TM and POS terminal limit 18 ee for non-cash payment no fee no fee 19 Withdrawing photos from an TM upon unfounded complaint MK with VT 20 Issuance of card within less than 24 hours MK Issuing business card for legal entities MK Issuance of additional business card for legal entities 23 Issuance of additional business card for legal entities elivery of notifications and warnings for outstanding debts upon used credit cards first notice, 15 days after the expiration of the term - warning second notice 45 days after the expiration of the term - warning no fee MK MK MK
17 Rulebook on determination of the fees for services of urostandard ank Skopje third notice, 75 days after the expiration of the term - warning MK MK H - 1. R OPRTIONS - Masterard program escription Maestro ebit ard Master ard STNR Master ard USINSS Master ard GOL Masterard USINSS ebit ard 1 Issuing a card pin number no fee no fee no fee no fee no fee (basic and additional cards) no fee no fee no fee no fee no fee 2 nnual membership fee no fee not for the first year asic MK not for the first year asic MK not for the first year asic MK asic MK dditional (Max.2) MK dditional MK dditional MK dditional MK ee for withdrawing cash from TM POS terminals in possession of S no fee 1.0% per transaction 1.0% per transaction or min. MK % per transaction 0.5% min MK ee for cash withdrawal from TM in possession of another bank in the country 2.0% per transaction or min. MK % per transaction min. MK % per transaction min.mk % per transaction min.mk % per transaction or min MK ee for withdrawing cash from TMs from banks 2.0% per transaction or min. MK % per transaction min. MK % per transaction min. MK % per transaction min. MK % per transaction or min. MK ee for cash withdrawal at the counters of other banks 2.0% per transaction or min. MK % per transaction or min. MK % per transaction min. MK % per transaction min. MK % per transaction or min. MK Reissuance of a card (stolen, damaged, lost) MK with VT MK with VT MK with VT MK with VT MK with VT 8 Reissuance of PIN (forgotten, lost) MK with VT MK with VT MK with VT MK with VT MK with VT 9 Processing an application for changing the daily limit on TM POS terminals no fee no fee no fee no fee no fee 10 ee for non-cash payment no fee no fee no fee no fee no fee 11 Withdrawing photos from an TM, false cancellation of transaction MK with VT MK with VT MK with VT MK with VT MK with VT 12 ard blocking unblocking upon client's request except for a card stuck in an TM MK MK MK MK MK ard blocking on stop list (permanently) Master ard expenses Master ard expenses Master ard expenses Master ard expenses Master ard expenses 16
18 Rulebook on determination of the fees for services of urostandard ank Skopje 15 Issuance of a card within less than 24 hours MK MK MK MK MK elivery of notifications and warnings for outstanding debts upon used credit cards elivery of first warning upon 30 days of the outstanding debdt no fee no fee no fee no fee no fee elivery of first warning upon 60 days of the outstanding debdt no fee MK (VT included) MK (VT included) MK (VT included) no fee elivery of first warning upon 90 days of the outstanding debdt no fee MK (VT included) MK (VT included) MK (VT included) no fee G H hecking account balances at TMs of S hecking account balances at another TM in the country hecking account balances at TMs hecking account balance of a card from another bank at TM of S Resetting the PIN at an TM of S no fee no fee no fee no fee no fee MK MK MK MK MK MK MK MK MK MK MK MK MK MK MK MK MK MK MK MK I Resetting the PIN at another TM in the country MK MK MK MK MK J K Resetting the PIN at an TM Resetting the PIN of a card from another bank at TM of S MK MK MK MK MK MK MK MK MK MK L Immediate removal of the card from an TM no fee MK (VT included) + real expenses MK (VT included) + real expenses MK (VT included) + real expenses MK (VT included) + real expenses I. OPRTIONS WITH SURITIS 1. PURHS O TRSURY N GOVRNMNT SURITIS Submitted application for purchase of government securities by the Ministry of inance % of the nominal value of treasury bills, MK min MK per application SURITIS SRVIS Type of securities mmount ee mmount 17
19 Rulebook on determination of the fees for services of urostandard ank Skopje Shares (for generated cumulative turnover) up to MK from MK to MK from MK to MK over MK %, min. MK per transaction 0.50% 0.40% according to contract to MK % Government bonds from MK to MK over MK % according to contract to MK % lock transactions from MK to MK from MK to MK from MK to MK of MK preparation and completion of documentation for the application for listing preparation of a listing brochure 0.40% 0.30% 0.20% according to contract MK expanded brochure form according to contract Sponsoring services for listing of the companies on the Macedonian stock exchange (MS) Preparation for issuance of securities - reduced brochure form preparation of design and printing of the brochure, advertising and distribution Services upon fulfillment of the obligation of the listed company towards the MS making three copies of the brochure and a preparation of the documentation for approval from Securities and xchange ommission (S) sale of securities in the amount of material expenses MK MK according to contract according to contract 18
20 Rulebook on determination of the fees for services of urostandard ank Skopje Services within the public offer for purchase of shares Performing activities regarding the securities portfolio management for a client guarantee preparation of the application and documentation for the S according to contract MK preparation of a brochure MK realization entry fee management fee performance fee exit fee 0.3% of the realized value of the purchased shares 2% of the payment 1.5% -3% (depending on the selected model) 15% -25% (depending on the selected model) 5% of the value of the portfolio in case of early contract termination (valid for all models) Submitted application for purchase of government securities by the Ministry of inance % of the nominal value of treasury bills, MK min MK per application J. ORIGN URRNY TRSURY OPRTIONS 1 Opening foreign currency account, account etc. 2 Payment for the benefit of foreign exchange savings deposit, account, in foreign currency cash 3 Purchase of foreign currency cash and payment in MK no fee no fee no fee 4 Repurchase of assets by foreign nonresident individuals based on a confirmation for purchase of currencies MK Payment from foreign currency savings Withdrawals in MK no fee Inflow from - payment in foreign currency that did not remained on the account within 15 days Issuing of confirmation for the balance of the account Payment of cash in foreign currency upon orders, checks, etc. did not remained on the account within 15 days 0.5% min MK MK (VT included) 0.5% min MK
21 Rulebook on determination of the fees for services of urostandard ank Skopje xecution of orders 0.3% min. MK MK inno expenses Other orrection of the payment order due to an error of the client MK charges for modification of an order alancing of the foreign currency savings account no fee Replacement of lost savings account card MK VT K. NON-RSINTS ORIGN URRNY OPRTIONS 1. ORIGN LGL NTITIS - NON-RSINTS Opening of an account no fee pproval of inflow from no fee pproval of inflow with cash deposit 0.5% one-off, min. MK ashless payment in MK 0.1% min. UR Payment in cash 0.5% one-off, min. UR Remittances and nostro checks 0.3% min. MK ORIGN INIVIULS - NON-RSINTS Opening of foreign currency accounts and foreign currency deposits to foreign individuals no fee Payment of cash, checks and letters of credit, remittances in favor of the accounts no fee Payment from foreign currency savings to a foreign individual in MK no fee Payment from foreign currency savings to a foreign individual (in foreign currency) if the funds did not remained on the account 0.5% min. MK within 15 days Payment from foreign currency savings to foreign individuals (in foreign currency) if the funds remained on the account for 15 days no fee Issuance of nostro checks, execution of remittances and in the country if the funds did not remained on the account within 15 days 1.0% min. MK UR inno expenses 20
22 Rulebook on determination of the fees for services of urostandard ank Skopje G H Issuance of nostro checks, execution of remittances and in the country if the funds remained on the account within 15 days Receipt and payment of checks issued by foreign banks 0.5% min. MK UR inno expenses 0.5% min. MK MK fee for receipt of checks (The reception afee and payments from checks from foreign banks are being charged regardless of whether the checks are realized or not.) 2.1. oreign currency accounts of foreign embassies and other diplomatic-consular offices and humanitarian organizations for all transactions up to 50% from the tariff rates for non-residents 3. OTHR OPRTIONS Issuance of confirmation for payment of a founding capital Interest list for calculated interest upon client's request onclusion last year at the request of the customer MK (VT included) for the submitted application MK (VT included) for prepared interest list MK (VT included) for a single daily bank statement in MK MK (VT included) for a single daily bank statement in foreign currency alculating interest upon executive decisions (for individual accounts) MK elivery of documents via fax MK (VT included) Renting safes: 6 X 42 X 26 MK X 42 X 26 MK X 42 X 26 MK X 42 X 26 MK G Preparation, printing and personalization of payment cards for other users MK per card + 18% VT H epot works 0.05% per month, min. MK UROSTNR NK SKOPJ 21
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