Contents. Price List of Luminor Bank Private customer Effective from February 1 st, 2019

Transcription

1 Contents DAILY BANKING... 2 Daily banking package... 2 Daily banking package gold... 2 ACCOUNTS... 2 E-BANKING... 3 PAYMENTS... 3 Incoming payments... 3 Outgoing Euro payments... 3 Other payment services... 4 BANK CARDS... 5 Mastercard Debit... 5 Mastercard Gold... 5 Mastercard Platinum... 6 Mastercard Credit... 6 Mastercard Stockmann... 7 Mastercard PINS... 7 Mastercard Finnair Plus... 8 CASH PAYMENTS... 9 SAVINGS, INVESTMENTS AND PENSION... 9 Deposits... 9 Investments Pension funds LOANS AND LEASING Loans Leases OTHER FEES... 15

2 DAILY BANKING Daily banking package Monthly fee 2.20 Monthly fee for senior customers (aged 60 or older) Debit card Netbank Intra-bank payments and euro payments through Netbank* Cash withdrawal from cross-bank ATMs in Estonia once a month with MC Debit debit card** Cash withdrawal from Luminor ATMs in Estonia, Latvia, Lithuania, Finland, Sweden, Norway, Denmark and Russia * Except E-invoice one-time payment - to another bank and standing order payments. ** Starting from second time cash withdrawal from bank ATMs, the price list of banking cards applies. Daily banking package gold Monthly fee 6.50 Debit card Netbank MC Gold credit card with travel and purchase protection insurance Intra-bank payments and euro payments through Netbank* Cash withdrawal from cross-bank ATMs in Estonia once a month with MC Debit debit card** Cash withdrawal from Luminor ATMs in Estonia, Latvia, Lithuania, Finland, Sweden, Norway, Denmark and Russia * Except E-invoice one-time payment - to another bank and standing order payments. ** Starting from second time cash withdrawal from bank ATMs, the price list of banking cards applies. Up to 2000 per calendar month free of charge 0.3% of the amount that exceeds 2000 Up to 2000 per calendar month free of charge 0.3% of the amount that exceeds 2000 ACCOUNTS Current account Current account opening for European Economic Area residents Reviewing current account opening application and documentation for residents outside of European Economic Area countries ** Account closing fee Closing bank account and termination of banking relationship at the initiative of the bank* 250 up to 100 euros * The fee is applied if the customer does not respond to notification from the Bank regarding due diligence arising from the Money Laundering and Terrorist Financing Prevention Act within 6 months. ** Including persons who do not have Estonian ID card or residence card Account statements Statements at customer s request* From a branch office From Netbank (not digitally signed) From Netbank (digitally signed) 0.30 / page, min 5 5

3 By (digitally signed, encrypted) By post ** / page min 5 Regular statements - Sent via post to abroad 7 * Once a year account statement at customers request is free of charge. ** Postage fees will be added. E-BANKING Netbank* monthly fee 1 Code calculator registration fee 2 15 Second time Code calculator registration fee 15 Nordea Codes application Payments in Netbank * For customer under 20 years old Netbank is free of charge. 1 Netbank is free of charge when customer has not chosen Netbank package with monthly fee - Daily Banking Package. 2 For customers over 60 years Code calculator device registration is free of charge. According to payments price list PAYMENTS Incoming payments Incoming Euro payment (domestic and from EU/ European Economic Area (EEA*)) 1 Incoming payment in EUR (except EU/European Economic Area (EEA*) member states) and in foreign currency from other foreign banks Outgoing Euro payments Internal payments In the branch office / Telephone bank Internal payment in any currency between ex-nordea 2 accounts 2 Internal payment in EUR to ex-dnb Pank AS account (BIC RIKOEE22) 3 2 Euro payments within EU/European Economic Area (EEA) member states In Netbank Euro payment to Estonia and EU/EEA* member states Euro payment to account in ex-dnb Bank Estonia (BIC RIKOEE22) 5 2 Urgent Euro payment to another bank in Estonia, including urgent payment to ex-dnb Pank AS account (BIC RIKOEE22) Outgoing Cross-border payments Payments in euros outside the EU/European Economic Area (EEA) member states, payments in foreign currency Cross-border payment 4, Cross-border payment in full to the beneficiary 4,5, Urgent Cross-border payment 4, Urgent Cross-border payment in full to the beneficiary 4,5, Express Cross-border payment 6, Express Cross-border payment in full to beneficiary 5,6,7 45 -

4 International payments with discounted fee Payment to account belonging to Nordea Group 8 or to ex-nordea Bank AB Latvia or Lithuania branch account 2, Payment to account belonging to Nordea Group 8 in full to beneficiary 4, Intercompany payment 4, Other payment services Standing order payment Standing payment order Standing order payment in euros to Estonia and EU/EEA* member states E-invoice Signing, amending and terminating e-invoice standing order agreement E-Invoice standing order internal E-Invoice standing order to another bank E-invoice one-time payment - internal - E-invoice one-time payment - to another bank Other payment related services SWIFT or XML copy of payment 10 Payment order confirmation 10 Cancellation, investigation and amendment of Euro payment to Estonia and EU/EEA* member states Cross-border payment cancellation, investigation and amendment within 6 months Cross-border payment cancellation, investigation and amendment more than 6 months * The EU/EEA countries are: Austria, Belgium, Bulgaria, Croatia, Cyprus, the Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Monaco, the Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland, and the United Kingdom. 1 If an incoming payment is not in the currency of the account indicated on the payment order, the bank will convert the amount paid into the currency of the account at the exchange rate prevailing on the date of receipt of the payment. 2 account which has been opened by Nordea Bank AB Estonia Branch up till or an account which has been opened by Luminor Bank AS after in ex-nordea bank system. Accounts with IBAN in format: EExx xxxxxxxxx. 3 The payment is performed on the same banking day if it has been initiated before 16:00 PM. 4 Cut-off time for submitting the payment in branch office or in Telephone bank is 16:00. 5 Remitter (OUR) the Customer as the remitter shall pay the fee set by the Bank and such fee shall cover the fees set by all other banks involved in the process of execution of payment. However, the Bank shall not be held liable if during the process of execution of payment no fees of other banks are withheld or the recipient does not receive the payment amount in full due to other reasons beyond the Bank's control. Remitter (OUR) charges allowed in case of beneficiary account is held in the bank outside EU/EEA member states. 6 Same day value payment; payment type available only in following currencies: EUR, USD until 15:00, NOK, SEK, GBP until 14:00, DKK until 12:00 7 Correspondent bank`s service fees may be added to the payer and payee`s banks` service fees. The aforementioned applies to both shared costs and full amount to payee payments and both the payer`s and payee`s correspondent banks may charge a fee. 8 Nordea Bank AB and its branches and subsidiaries. Luminor Bank AS is not a part of Nordea Group. 9 Always as an urgent payment (T+1) and to ex-nordea Bank AB Latvia or Lithuania branch (see also ref.2) in full to the beneficiary. 10 Same day value payment (T+0) to same customer s account in Nordea Group or to same customer s account in ex-nordea Bank AB Latvia or Lithuania branch (see also ref.2). 11 The bank will not return the service charges paid by the remitter, if the payment could not be cancelled/amended. Beneficiary bank s charges may be added.

5 BANK CARDS Mastercard Debit Monthly fee - Customers aged under 20 or over 60 Monthly fee - Other customers Cash withdrawal from Luminor ATMs in Estonia, Latvia, Lithuania and Nordea ATMs in Finland, Sweden, Norway, Denmark and Russia Cash withdrawal from ATMs of other banks in Estonia 1.30 Cash withdrawal from ATMs of other banks in EMU countries Cash withdrawal from ATMs of other banks abroad Cash withdrawal at a branch office except in our branches in Estonia Cash deposit in Luminor ATM s in Estonia 1 Main card Up to 2000 per calendar month free of charge 0.3% of the amount that exceeds 2000 Fast issuing of a bank card 35 Card replacement fee 4.00 Card renewal fee Closing a card Issuing a PIN code Fee for changing card 24h usage limit in branch offices and Telephone Bank Changing the credit limit Conversion fee for card transactions made in foreign currency Balance enquiry from other bank ATM % of the amount 1 Cash deposit daily limit 6000 euros 2 (EMU-Economic and Monetary Union of the Europa Union): Austria, Belgium, Cyprus, Estonia, Finland, France, Germany, Greece, Ireland, Italy, Spain, Latvia, Lithuania, Luxembourg, Malta, the Netherlands, Portugal, Slovakia and Slovenia. 3 The monthly maintenance fee will not be implemented if the monthly purchase transactions made with the credit card exceed 600 euros. Only the transactions confirmed during the month will qualify. If the purchase sum requirement is met, the discount will be applied the first month the monthly fee is due for the credit card. Mastercard Gold Monthly fee 5 Cash withdrawal from Luminor ATMs in Estonia, Latvia, Lithuania and Nordea ATMs in Finland, Sweden, Norway, Denmark and Russia Cash withdrawal from ATMs of other banks in Estonia Cash withdrawal from ATMs of other banks in EMU countries 2 Cash withdrawal from ATMs of other banks abroad Cash withdrawal at a branch office except in our branches in Estonia Cash deposit in Luminor ATM s in Estonia 1 Up to 2000 per calendar month free of charge 0.3% of the amount that exceeds 2000 Fast issuing of a bank card 35 Card replacement fee 4.00 Card renewal Closing a card PIN code replacement Fee for changing card 24h usage limit in branch offices and Telephone Bank

6 Changing the credit limit Conversion fee for card transactions made in foreign currency Blocking a card because of overdue payments 13 Sending paper invoices by post 5 Balance enquiry from other bank ATM 0.35 Using MasterCard support service abroad (issuing a temporary replacement card) 1 Cash deposit daily limit 6000 euros 2 Members of the EU that have adopted the euro as their currency 2 % of the amount Actual costs, max 129 Mastercard Platinum Annual fee 150 Cash withdrawal from Luminor ATMs in Estonia, Latvia, Lithuania and Nordea ATMs in Finland, Sweden, Norway, Denmark and Russia Cash withdrawal from ATMs of other banks in Estonia Cash withdrawal from ATMs of other banks in EMU countries 2 Cash withdrawal from ATMs of other banks abroad Cash withdrawal at a branch office except in our branches in Estonia Cash deposit in Luminor ATM s in Estonia 1 Up to 2000 per calendar month free of charge 0.3% of the amount that exceeds 2000 Fast issuing of a bank card 35 Card replacement fee 4.00 Card renewal Closing a card PIN code replacement Changing the credit limit Conversion fee for card transactions made in foreign currency Priority Pass lounge visit (starting from the 5th visit in a calendar year) 27 Blocking a card because of overdue payments Sending paper invoices by post 5 2 % of the amount Balance enquiry from other bank ATM 0.35 Using MasterCard support service abroad (issuing a temporary replacement card) 1 Cash deposit daily limit 6000 euros 2 Members of the EU that have adopted the euro as their currency Mastercard Credit Monthly fee 1.40 (3) Cash withdrawal from Luminor ATMs in Estonia, Latvia, Lithuania and Nordea ATMs in Finland, Sweden, Norway, Denmark and Russia Cash withdrawal from ATMs of other banks in Estonia Cash withdrawal from ATMs of other banks in EMU countries(2) Cash withdrawal from ATMs of other banks abroad Cash withdrawal at a branch office except in our branches in Estonia Cash deposit in Luminor ATM s in Estonia(1) Actual costs, max 129 Fast issuing of a bank card 35

7 Card replacement fee 4.00 Card renewal Closing a card PIN code replacement Fee for changing card 24h usage limit in branch offices and Telephone Bank Changing the credit limit Conversion fee for card transactions made in foreign currency Blocking a card because of overdue payments 13 Sending paper invoices by post 5 Balance enquiry from other bank ATM 0.35 Using MasterCard support service abroad (issuing a temporary replacement card) 2 % of the amount Actual costs, max Cash deposit daily limit 6000 euros 2 Members of the EU that have adopted the euro as their currency 3 The monthly maintenance fee will not be implemented if the monthly purchase transactions made with the credit card exceed 400 euros. Only the transactions confirmed during the month will qualify. If the purchase sum requirement is met, the discount will be applied the first month the monthly fee is due for the credit card. Mastercard Stockmann Monthly fee 1.50 (3) Cash withdrawal from Luminor ATMs in Estonia, Latvia, Lithuania and Nordea ATMs in Finland, Sweden, Norway, Denmark and Russia Cash withdrawal from ATMs of other banks in Estonia Cash withdrawal from ATMs of other banks in EMU countries(2) Cash withdrawal from ATMs of other banks abroad Cash withdrawal at a branch office except in our branches in Estonia Cash deposit in Luminor ATM s in Estonia(1) Fast issuing of a bank card 35 Card replacement fee 4.00 Card renewal Closing a card PIN code replacement Fee for changing card 24h usage limit in branch offices and Telephone Bank Changing the credit limit Conversion fee for card transactions made in foreign currency Blocking a card because of overdue payments 13 Sending paper invoices by post 5 Balance enquiry from other bank ATM 0.35 Using MasterCard support service abroad (issuing a temporary replacement card) 2 % of the amount Actual costs, max Cash deposit daily limit 6000 euros 2 Members of the EU that have adopted the euro as their currency 3 Monthly maintenance fee will not be required if credit card is used to pay for a minimum of 150 euros worth of purchase transactions a month. Only the transactions confirmed during the month will qualify. Mastercard PINS Monthly fee 2

8 Cash withdrawal from Luminor ATMs in Estonia, Latvia, Lithuania and Nordea ATMs in Finland, Sweden, Norway, Denmark and Russia Cash withdrawal from ATMs of other banks in Estonia Cash withdrawal from ATMs of other banks in EMU countries(2) Cash withdrawal at a branch office except in our branches in Estonia Cash deposit in Luminoe ATM s in Estonia(1) Fast issuing of a bank card 35 Card replacement fee 4.00 Card renewal Closing a card PIN code replacement Fee for changing card 24h usage limit in branch offices and Telephone Bank (excl Platinum) Changing the credit limit Conversion fee for card transactions made in foreign currency Blocking a card because of overdue payments 13 Sending paper invoices by post 5 Balance enquiry from other bank ATM 0.35 Using MasterCard support service abroad (issuing a temporary replacement card) 1 Cash deposit daily limit 6000 euros 2 Members of the EU that have adopted the euro as their currency Mastercard Finnair Plus Monthly fee 3 (3) Cash withdrawal from Luminor ATMs in Estonia, Latvia, Lithuania and Nordea ATMs in Finland, Sweden, Norway, Denmark and Russia Cash withdrawal from ATMs of other banks in Estonia Cash withdrawal from ATMs of other banks in EMU countries(2) Cash withdrawal from ATMs of other banks abroad Cash withdrawal at a branch office except in our branches in Estonia Cash deposit in Luminor ATM s in Estonia(1) 2 % of the amount Actual costs, max 129 Fast issuing of a bank card 35 Card replacement fee 4.00 Card renewal Closing a card PIN code replacement Fee for changing card 24h usage limit in branch offices and Telephone Bank (excl Platinum) Changing the credit limit Conversion fee for card transactions made in foreign currency Blocking a card because of overdue payments 13 Sending paper invoices by post 5 Balance enquiry from other bank ATM % of the amount Using MasterCard support service abroad (issuing a temporary Actual costs, max 129

9 replacement card) 1 Cash deposit daily limit 6000 euros 2 Members of the EU that have adopted the euro as their currency 3 Monthly maintenance fee will not be required if credit card is used to pay for a minimum of 1000 euros worth of purchase transactions a month. Only the transactions confirmed during the month will qualify. CASH PAYMENTS Banknotes (euro) Cash depositing into payee s own account up to 100 in one day in branch 1 Cash depositing into payee s own account more than 100 in one day** in branch % of the amount, min 5 Cash depositing to another customer's current account or Savings Deposit in branch 0.40% of the amount, min 5 Cash payment into a Child s Deposit or own Savings Deposit in branch Cash withdrawal in branch 0.40% of the amount, min 5 Cash withdrawals and closing account if remaining balance is less than 5 Coins 2 Depositing coins into a Child s Deposit account in branch Depositing and withdrawal of coins in branch 5% of the amount, min 5 Foreign currencies 2 Cash payment into an account in the same currency in branch Withdrawal of cash from an account in the same currency in branch 1.5% of the amount 1.5% of the amount Euro and foreign currencies Checking banknotes in branch 0.20 per note Exchange banknotes in branch 0.5% of the amount, min 5 Exchange of banknotes in the same currency in branch 0.5% of the amount, min 5 Cash withdrawal exceeding 10,000 or the equivalent in another currency provided that the bank has been notified of it at least two banking days in advance Surcharge for a same day cash withdrawal exceeding the above limit if the bank has not been notified in advance 40 Penalty for failure to withdraw the ordered cash 40 ** The service fee will be calculated if the total amount of cash deposited in one day period exceeds Up to 100 in euro coins can be withdrawn at Luminor branch offices once a day. Amounts over 100 are subject to the fee for "Depositing, withdrawal and exchange of coins". 2 The bank does not accept foreign banknotes that are damaged or invalid for payment. The bank does not handle foreign coins. SAVINGS, INVESTMENTS AND PENSION Deposits Opening a deposit Cash payment for opening a deposit Cash payment into a Child s Deposit or own Savings Deposit in branch Payment to child's deposit or payee's own Savings Deposit in Netbank or branch Payment from the Savings Deposit to current account - First withdrawal of the month from any of payee's Savings Deposits 1 - All subsequent withdrawals 1 If a depositor has more than one Savings deposit, only one payment per month for all the Savings deposits is free. 0.30% of the amount, min 1.60

10 Investments Securities account Opening an internal Luminor Bank securities account Opening an EVK securities account 4 Opening an EVK securities account for buying Luminor pension funds Closing a securities account Securities account monthly maintenance fee 1 An EVK securities account with no securities 0.60 An EVK securities account with no securities or where the total value 2 of securities held is - up to 10,000 euros - from 10,000 to 100,000 euros - more than 100,000 euros An internal Nordea securities account that holds: - Fund units or Nordea index-linked bonds - Global securities (Australia, Austria, Belgium, Canada, Denmark, Euroclear (fixed income), Finland, France, Germany, Hong Kong, Ireland, Italy, Japan, Netherlands, Norway, Poland, Singapore, Spain, Sweden, Switzerland, UK, USA). - Global securities of other markets Fund transactions Funds managed by Nordea Investment Funds S.A. Equity funds, mixed funds and funds of funds - Subscription (subscription fee + settlement fee) - Redemption (redemption fee + settlement fee) - Regular investment by standing order Bond funds - Subscription (subscription fee + settlement fee) - Redemption (redemption fee + settlement fee) - Regular investment by standing order Reserve or money market funds - Subscription (subscription fee + settlement fee) - Redemption (redemption fee + settlement fee) - Regular investment by standing order % of the value of securities 2, min 1.60 By agreement 1%, min 1 1%, min 1 1% Switch transaction 3.20 Funds managed by Nordea Funds Ltd. Equity funds - Redemption 1% Bond funds - Redemption 0.50% Redemption 3.20 Index-linked bonds Sale of index-linked bonds Safekeeping Transaction with defined counterparty %, min %, min % 0.30%, min %, min % 3rd party fee 0.2 % from the nominal value applied by counterparty Nordea Bank AB (publ) (fee is included in the price)

11 Funds that are not managed by Nordea Investment Funds S.A. nor Nordea Funds Ltd Redemption 1%, min 25 Monthly safekeeping fee The transaction fee is debited to the transaction currency 0.15% of the value of securities Securities trading Equities trading 5 Estonia 0.20% min 3.20 Australia, Austria, Belgium, Canada, Denmark, Finland, France, Germany, Hong Kong, Ireland, Italy, Japan, Latvia, Lithuania, Netherlands, Norway, Spain, Sweden, 0.20% min 20 Switzerland, UK, USA EVK securities subscription Fee stated in the prospectus, min 3.20 Poland 0.30% min 30 Singapore 0.50% min 50 Other markets Bonds trading By agreement Subscription to bonds % min 20 Subscription to EVK bonds 5 Fee stated in the prospectus, min 3.20 Local market: 0.10% min 240 Secondary market bond trades 5 Eurobond market: 0.30% min 40 Other bonds: according to agreement but not more than 2%, min 40 Other securities transactions Securities transaction within Luminor Bank Estonia 6 EVK securities - FOP - FOP between EVK and other depository - DVP Transactions with non-evk securities of below countries with counterparty outside Luminor Bank Estonia - Euroclear (fixed income), Austria, Belgium, Canada, France, Germany, Ireland, Italy, Netherlands, Poland, Spain, Switzerland, UK - Australia, Hong Kong, Singapore and Japan, USA - Other countries Transfer of the whole balance of an EVK securities account - To another custodian - From another custodian Cancellation/Correction By agreement 15 Service fee for a cancelled transaction Reports 3 EVK securities account periodic statement - for calendar year - Per day, per 10 days, per month or per quarter by post (local) - Per day, per 10 days, per month or per quarter by post (international) - Per day, per 10 days, per month or per quarter by EVK securities account statement from branch or by fax 3 Other securities related services

12 EVK securities: Registering a pledge 10 EVK securities: Transaction with pledged securities 15 EVK securities: Registering a financial collateral 35 Other securities related services Pension funds III pillar pension funds Purchase of units Purchase of units by standing order Sale of units 3.20 Exchange of units 3.20 Operations in relation with inheriting pension fund units (fee per application) 6.00 By agreement Intra-bank payment fee Standing order fee II pillar pension funds, i.e. mandatory funded pension Contributions - Choice application - Application for changing the units of a pension fund - Fee for enquiry in a branch office Pension account statement - by - by post Succession - An application to sell inherited pension fund units - An application to sell inherited pension fund units and to transfer inherited pension fund units into the pension account of the inheritor - An application to transfer inherited pension fund units into the pension account of the inheritor Payments - An application for a lump sum payment from a pension fund - An application for a fund pension - An application to change a fund pension 1 / per page VAT is added to the monthly fee. The bank debits the monthly fee from the current account related to the securities account in the calendar month following the month when the fee is calculated. 2 The value of securities is calculated at the end of calendar month. For equities listed on a stock exchange the value is calculated from the closing price on the last trading day of a month, for other securities from their face value and for investment fund units from their net asset value. 3 VAT is added to the securities account statement fee. 4 If the bank incurs costs from the cancellation of a transaction order due to price changes, penalties payable to other institutions and so forth, the bank will debit the costs from the customer's current account. 5 This service is only available to customers of Private Banking. 6 Transactions with pension fund units incur subscription and redemption fees stated in the relevant fund's prospectus LOANS AND LEASING Loans Housing loan Contract fee 1% of the loan amount, min 190 Increasing the loan amount 2% of the additional amount, min 100 Changing the type of base rate or the type of loan 1 1% of the loan balance, min 100 Granting a grace period 2 60 Changing the monthly payment date 2 Changing other terms and conditions of the loan contract (incl. changing margin) / Changing collateral Once a year free of charge 1% of the loan balance, min 200

13 of charge if notice is given 3 months in advance; Early repayment of the loan either in part or in full 2 in other cases interest is calculated for up to 3 months on the amount that is repaid early Changing the current account related to the loan 30 Idea Loan Contract fee 1% of the loan amount, min 130 Increasing the loan amount 2% of the additional amount, min 100 Changing the monthly payment date 2 Changing other terms and conditions of the loan contract / Changing collateral Early repayment of the loan either in part or in full 2 Changing the current account related to the loan 30 Consumer loan Once a year free of charge 1.5% of the loan balance, min 200 of charge if notice is given 3 months in advance; in other cases interest is calculated for up to 3 months on the amount that is repaid early Contract fee 1.5% of the loan amount, min 60 Increasing the loan amount 1% of the additional amount, min 30 Changing the monthly payment date Once a year free of charge Changing other terms and conditions of the loan contract 1% of the loan balance, min 30 of charge if notice is given 3 months before; in other cases interest is calculated for up to 3 months on Early repayment of the loan either in part or in full the amount that is repaid early. Early repayment of a loan without real estate collateral is free Changing other terms 60 Changing the collateral 100 Renovation loan Contract fee 1.5% of the loan amount, min 100 Increasing the loan amount 2% of the additional amount, min 100 Granting a grace period 2 60 Changing the monthly payment date 2 Changing other terms and conditions of the loan contract / Changing collateral Early repayment of the loan either in part or in full 2 Changing the current account related to the loan 30 Overdraft Contract fee 20 Once a year free of charge 1% of the loan balance, min 200 of charge if notice is given 3 months before; in other cases interest is calculated for up to 3 months on the amount that is repaid early Credit limit fee (yearly) 1% of the amount of the limit, min 10 Increasing the limit 1% of the additional credit limit, min 10 Reducing the limit Once a year free of charge Changing other terms and conditions of the loan contract 1% of the limit, min 10 Termination of contract Student loan

14 Contract fee Amending a contract 5 Interest rate Switching a student loan from another credit institution to Luminor 10 Other service fees Penalty for failure to submit the insurance policy of the collateral The current loan must be repaid first and after that a new loan can be granted. 2 Not applicable to loans with a fixed base rate or loans with a limit on interest rate rises. Leases 5% per year Fees for signing lease contracts VAT added Rate and fee Contract fee for a car or a commercial vehicle NO 1% of the purchase cost min 200 Fees for amending lease contracts Amendments to a lease contract: - Changing the type of contract - Changing the lease period - Changing the type of payment schedule - Making an additional down-payment - Transferring the contract to another lessee - Changing the type of base rate Changing the payment date in the contract's payment schedule NO Changing the obligation to insure the leased asset in the terms and conditions of a lease contract Changing other terms and conditions of a lease contract (including changing the base rate of a lease contract with a floating interest rate) NO 150 NO 50 NO 50 50, on first 3 months of the contract the change is free of charge Early termination of a lease contract, early repayment of a lease contract in part, selling a leased asset at a higher price Fixed-rate financial lease contract: the contract expires in less than one year 0.5% of the credit sum that is repaid early Fixed-rate financial lease contract: the contract expires in more than one year 1% of the credit sum that is repaid early Financial lease contract with a floating rate No premature termination fee Operational lease contract with a fixed rate The sum of the scheduled rates calculated for the period from the early repayment until the expiry of the contract Operational lease contract with a floating rate: the term for advance notice is three months No premature termination fee Operational lease contract with a floating rate: the term for advance notice is less than three months Sale of an asset at a higher price than its residual value NO The sum of three months interest payments. The fee will not exceed the sum of the scheduled rates for the period from the early repayment until the expiry of the contract. 50 plus fee for early termination of the lease contract

15 Other services Issuing a power of attorney, a copy of a contract or invoice, bank statement, certificate or other document related to a 10 (12 including VAT) contract at the customer s request (exept payment schedule) Drawing up a notarized authorization (including the notary fee and state fees) - Issuing a permission to use a vehicle or to make 100 (120 including VAT) transactions in the traffic register in the standard 3 working days - Issuing an urgent permission to use a vehicle or to make transactions in the traffic register in 1 working day 150 (180 including VAT) Issuing a written statement that confirms the right to sub-lease a leased asset 25 (30 including VAT) Release of the additional collateral of a lease contract 50 (60 including VAT) Paying state and local taxes and parking fines 25 (30 including VAT) per claim plus actual costs incurred by the lease company (VAT is added only to the administration fee) Breach of a contractual insurance obligation NO The contractual penalty set out in the contract Compensation for delays in returning a vehicle on time (per day) NO 30 Compensation for sending a notice regarding arrears or other outstanding obligations NO 5 Signing a debt agreement NO 150 Restoring a prematurely cancelled contract NO 190 Issuing a statement to confirm a client's debt or the balance of the unpaid residual value at the lessee's request NO Registration of ownership in Road Administration e-service to the new owner who is not contractual party to the Luminor Finance Registration of the asset in Road Administration e-service in the name of the Luminor Finance by the employee of the lessor. Violation of contractual insurance obligations NO 50 Upon termination of the leasing contract, a fee for the return of the leasing asset OTHER FEES Issuing a confirmation or a certificate 5 Urgent confirmation or certificate (60 including VAT) state fees will be added 50 (60 including VAT) state fees will be added 260 (312 including VAT) plus actual costs incurred by the lease company Information request 40 per hour/ min 20 A copy of an archived bank document 10 Sending data by e-post 5 Sending data by (encrypted) 5 Request for audit information 20 Notification to a customer of a debt or other obligation that is overdue 5 from the second reminder Default interest on consumer credit debt ** Default interest rate set by law, which is calculated for a 360-day year Default interest on other debts ** Default interest rate set by law, which is calculated for a 360-day year Fee for redemption of a cheque 1 5 Fee for redemption of a cheque 1 for a non-customer 20 1 Only cheques which indicate Nordea Bank AB Estonia Branch as the redeeming bank can be redeemed.

16 ** ECB rate + 8,00% yearly (0,022% in a day), but not less than the contractual interest rate. The ECB rate is the interest rate of the European Central Bank applied to the main refinancing operations. It is published twice a year (1 January and 1 July) in the Official Journal by Eesti Pank.