TERMS AND CONDITIONS FOR BUSINESS ACCOUNTS MAINTENANCE AND OPERATIONS IN RUSSIAN RUBLES AND IN FOREIGN CURRENCIES Effective from October 26, 2018

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1 SDM-Bank PJSC General License of the Bank of Russia No TERMS AND CONDITIONS FOR BUSINESS ACCOUNTS MAINTENANCE AND OPERATIONS IN RUSSIAN RUBLES AND IN FOREIGN CURRENCIES Effective from October 26, 2018 I SETTLEMENT SERVICES FOR RUSSIAN RUBLE ACCOUNTS 1. Account services 1.1. Account opening Bank s specialist visit to client s office to open an account, to certify powers of attorney RUB 2500, VAT included 1.2. Account statements with attachment of primary document copies: through remote banking (RB) systems as a hard copy to clients served in RB systems RUB 200 per statement as a hard copy to clients not served in RB systems By fax and other communication channels: within a city of structural unit location RUB 30 per sheet out of town delivery RUB 100 per sheet Statement generation and dispatch to a third bank through SWIFT RUB 150 per statement per account 1.3. Extract from account statement of the Interregional Information Center of the Bank of Russia, the Regional Information Center of the Bank of Russia RUB Reference letters: RUB Client s account information for subsequent provision of data to auditor s firm at client s or its RUB 2000 per request auditor s request Issue and delivery of certificates on account turnover RUB 500 per sheet Issue of a Bank Credit Department letter for client s participation in a competition (tender) RUB 3000 per letter Issue and delivery of bank s reference RUB Issue of client s payment documents to provided details: Payment order RUB 250 per document Check RUB 150 per document 1.6. Copy of authorized signatures list RUB 250 per copy, VAT included 1.7. Payment Tickler File #2 handling 1.8. Check books: sheets RUB 50, VAT included 1.9. Account closing Account maintenance Accounts with no transactions during 2 years or longer RUB 2000 monthly, but not more than the account balance (fee shall be charged not later than on the last business day of the month) For all clients, apart from clause For clients served in RB system RUB 400 monthly (fee shall be charged not later than on the last business day of the month) For clients served through RB system who receive all statements additionally as a hard copy (based on a RUB 1400 monthly written application) For clients not served in RB system RUB 1200 monthly (fee shall be charged not later than on the last business day of the month) Services to receive Federal Tax Service Inspectorate decisions on cancellation of suspended account RUB 2500, VAT included transactions (1 client at the moment of application submission) Execution of an addendum to a bank account agreement for funds debit by requests of other banks RUB 500, including VAT Verification of signatures in the signature card RUB 900 per signature, including VAT Issue and verification of documents, provided for account opening or customer profile update Translation of statements and other documents into English RUB 1500 per package of documents, regardless of sheets quantity, including VAT RUB 1180 per 1800 symbols with spaces 1

2 Incoming patments Incoming payments 3. Intrabank payments 3.1. Payments between accounts of legal entities inside the bank (including payments between clients, whose accounts are opened in different branches of the bank) During Standard Banking Hours Processing of payments in RB system Processing of payments submitted to bank as hard copies RUB 50 per 1 document During Extended Banking Hours Processing of payments in RB system Processing of payments submitted to bank as hard copies RUB 50 per 1 document 3.2. Payments from legal entities accounts to Bank accounts 3.3. Payments from legal entities accounts to loan accounts, deposit accounts Payments from individual entrepreneurs' accounts to personal accounts 1 0.5% of payment amount 4. Interbank payments 4.1. During Standard Banking Hours ² Processing of payments in RB system RUB 30 per 1 document Processing of payments using APS Barcode software RUB 80 per 1 document Processing of payments submitted to bank as hard copies RUB 250 per 1 document Payments to budget and off-budget funds 4.2. During Extended Banking Hours ³ 0.1% of document amount (min RUB 200 max RUB 650 per document) Payments to budget and off-budget funds 5. Transfer of funds based on standing payment order RUB 300 per month per 1 ongoing payment order (additionally to transaction rates) 6. Additional payment processing services 6.1. Compensation of telegraph expenses of the Russian Federation State Communications Committee By actual cost of the Russian Confirmation (amendment) of details in payment orders processed by the bank, search for previously transferred amounts, withdrawal (return) of payment orders, queries regarding details of funds credited to clients accounts (by client s request per single payment document) Guaranteed dispatch of payment in cycle 1 and 2 (at client's request) additionally to payment processing fee Execution of payment orders at the expense of funds credited to client s account from other banks during the current transaction day, additionally to payment processing fee Sending payments through Banking Electronic Speedy Payment System (BESP) additionally to payment processing fee 9 Settlement services for transactions with use of bank cards of Visa International, MasterCard International and MIR payment systems ¹º Fee for settlement services for transactions using plastic cards For cards issued by SDM-Bank PJSC For third party banks cards (on the day of funds compensation) Federation State RUB % min RUB 100 max RUB 2000 per 1 document 0.05% min RUB 50 max RUB 2000 RUB 300 per 1 document 0.5% of amount (on the day of funds compensation) For clients served in branches of Moscow and Moscow region depending on monthly average turnover in a terminal¹¹: Up to RUB 299,999 2% From RUB 300,000 to RUB 599, % From RUB 600,000 to RUB 999, % Above RUB 1,000, % For clients served in branches of the Bank depending on monthly average turnover in a terminal11: Up to RUB 99, % From RUB 100,000 to RUB 599, % From RUB 600,000 to RUB 999, % 2

3 Above RUB 1,000, % When POS-terminal/Software is installed on a cash register (combined device purchased by client YARUS, IRAS 900K, FPrintPay) Additional fee For clients served in branches of Moscow and Moscow region (charged on the last day of the month, if volume of transactions in the terminal for the current month failed to reach RUB 300,000) 1.6% RUB For clients served in branches of the Bank (charged on the last day of the month, if volume of transactions in the terminal for the current month failed to reach RUB 100,000) Mobile acquiring depending on monthly average turnover in a terminal¹¹: Up to 99, % RUB 400 Above 100, % Internet acquiring 1.9% Fee for Bank s SIM-card installation (charged monthly) RUB 150 II. CASH SERVICES FOR RUSSIAN RUBLE ACCOUNTS 1. Cash withdrawal 1.1. During Standard Banking Hours ²: For salaries and social payments 0.5% of amount For other expenses not related to salaries payment, disbursement from sole proprietors accounts up to RUB 299, % of amount from RUB 300,000 to RUB 599,999 2 % of amount from RUB 600,000 to RUB 999,999 5 % of amount above RUB 1,000, % of amount 1.2. During Extended Banking Hours ³: For salaries and social payments (by preliminary request) 1 % of amount For other expenses not related to salaries payment, disbursement from sole proprietors accounts (by preliminary request) up to RUB 299, % of amount from RUB 300,000 to RUB 599, % of amount from RUB 600,000 to RUB 999, % of amount above RUB 1,000, % of amount 1.3. Cash disbursement at the expense of funds credited to client s account from other banks during the current 0.1% of amount min RUB 50 transaction day (additionally to clause 1.1. and 1.2.) 2. Account Card maintenance 2.1 Maintenance of a special card account (SCA) with issue of an Account Card 2.2. Maintenance of a special card account (SCA) with issue of a reissued Account Card was re-issued in connection with Card loss (loss, loss of PIN, physical damage) 2.3. Cash disbursement through SDM-Bank PJSC cash dispensing offices (ATMs, electronic terminals) (charged at the moment of cash disbursement) Cash disbursement limit - RUB 1,000,000 per month, RUB 100,000 per day 3. Account maintenance with use of a corporate bank card 3.1. Bank account services for a corporate bank card VISA Gold SDM-Bank PJSC and MasterCard Gold SDM- Bank PJSC per year 3.2. Bank account services for a corporate card VISA Classic SDM-Bank PJSC and MasterCard Mass SDM-Bank PJSC per year 3.3. Bank account services for a corporate card VISA Electron SDM-Bank PJSC and MasterCard Electronic SDM-Bank PJSC per year 3.4. Cash services 1.3 % of amount RUB 2600 (charged annually) RUB 1000 (charged annually) RUB 600 (charged annually) Cash withdrawal by Client through cash dispensing offices of SDM-Bank PJSC 1.3 % of transaction amount Cash withdrawal by Client in network of VISA International and MasterCard International 1.3 % of transaction amount (min. RUB 100) 3.5. Electronic transactions in network of VISA International and MasterCard International 3.6. Fee for use of unauthorized credit 40 % per annum (monthly, fee shall be charged not later than on the last business day of the reporting period) 3.7. Insurance of transactions using a bank card (reserved in client s account and refunded upon card closing) RUB SMS-notification on corporate card transactions (per month) RUB Cash deposit 4.1 To settlement accounts During Standard Banking Hours 0.25 % of amount, min RUB During Extended Banking Hours 0.5 % of amount, min RUB 200 In sealed cash bags with credit to client s account on the next day (up to RUB 500 K) (in accordance with 0.15% of amount Addendum)¹ 4.2 To settlement accounts through Plat-Forma terminals 3

4 Through terminals in bank s operating divisions 0.05% of amount Through other terminals 0.5% of amount 4.3. To bank s income accounts 4.4. Contribution to authorized fund 4.5. Metal coin acceptance by bank s cash department 2.0 % of amount, min RUB Cash deposit to accounts of legal entities in other Bank 0.25 % of amount, min RUB Additional cash services 5.1. Exchange of banknotes for banknotes of another denomination 2% of amount (min RUB 100) 5.2. Exchange of banknotes for coins and coins for banknotes Up to 10 banknotes (20 coins) Above 10 banknotes (20 coins) 2% of amount min RUB Account maintenance with use of Cards for Customs clearing 6.1 Account maintenance of the bank card accounts for the following card types: Broker 0.15% of turnover monthly Category A 0.2% of amount (min RUB 36,000 per month) monthly Category B 0.3% of amount (min RUB 7500 per month) monthly Category C 0.45% of amount (min RUB 1800 per month) monthly Category D 1.3% of customs fees amount monthly 6.2 Urgent limit increase RUB Issue of personalized main cards, with PIN envelope, including card reissue RUB 1500 per card 6.4 Urgent (within one business day) issue of personalized cards, with PIN envelope. RUB Issue of account statements 6.6 Bank card fee for the second year of bank card use RUB 700 per card 6.7 Blocking of customs card by card account owner RUB Performance of actions related to dispute of transactions by initiative of card account owner, per RUB 300 transaction Card loss penalty RUB Penalty for late card return RUB Unblocking of card chip, including PIN generation and PIN envelope printing with issue of PIN RUB 300 envelope, per card 6.11 Card PIN change in connection with loss, including PIN generation and PIN envelope printing with issue of RUB 300 PIN envelope, per card 6.12 Change of customs card category RUB Search for funds by request 0.1% of amount, min RUB Client connection to service of information on card transaction through telecommunications channels RUB SMS-info on bank card accounts (per month) RUB 200 III FOREIGN CURRENCY ACCOUNT BANKING SERVICES 1. Account services 1.1. Account opening 1.2. Issue and delivery of account statements with attachment of documents: Through remote banking (RB) systems As a hard copy to clients served in RB systems RUB 200 per statement As a hard copy to clients not served in RB systems by fax and other communication channels: Within a city of structural unit location RUB 30 per sheet Out-of-town dispatch RUB 100 per sheet Issue and delivery of certificates RUB 500 per sheet 1.4. Issue of client s payment documents to provided details RUB 250 per document 1.5. Issue of bank card duplicate copy RUB 250 per copy VAT included 1.6. Monitoring of unpaid payment orders until the sufficient balance of the settlement account (index card 2) 1.7. Account closing Services of non-resident legal entities registration in Federal Tax Service Inspectorate (1 client, at the USD 100, VAT included 1.8. moment of documents receipt from Federal Tax Service Inspectorate) 2. Incoming funds crediting 2.1. Foreign currency credit 3. Intrabank payments 3.1. Payments between legal entities accounts insider the bank (per order) 5 USD 3.2. Payments from legal entities accounts to Bank accounts 3.3 Payments from legal entities accounts to loan accounts, deposit accounts. 4. Interbank payments 4.1. Payment orders for benefit of other banks clients accepted by the Bank before 2:30pm: in USD 0.15% min 35 max 190 USD in EURO 0.15% min 35 max 190 EUR in CNY 140 CNY in other currencies (of payment amount) 0.15% min 45 max 210 USD 4.2. Payment orders for benefit of other banks clients accepted by the Bank from 2:30 PM to 4:30 PM: 4

5 in USD 0.25% min 55 max 240 USD in EURO 0.25% min 55 max 240 EUR in CNY 140 CNY in other currencies (of payment amount) 0.25% min 65 max 260 USD Note: 1)Payment orders are processed by SDM-Bank (PJSC) with value date in USD - on the day of payment order acceptance (Tod) In EUR - on the next business day (Tom) in other currencies on the second business day (Spot) 2) If a payment order includes OUR fee, apart from internal fee, the bank shall charge correspondent bank fees to client on this transaction 4.3. Urgent payments in EUR with value date on the day of payment order acceptance (accepted 30 EUR before 3:00 PM) In addition to clause Transfer of funds with guaranteed credit of entire payment amount to beneficiary s account in USD 30 USD In addition to clause in EURO 30 EUR In addition to clause Payment orders for benefit of other banks Clients at the expense of the beneficiary in USD 20 USD (from transfer amount) in EURO 4.6. Transfer of foreign currency funds with filled field EUR (from transfer amount) In USD 20 USD In addition to clause in EURO 20 EUR In addition to clause Return of amounts from account until clarification, which were previously credited to bank s correspondent account with incorrect details, and for which no clarifying instructions were received, including bank s request for withdrawal (from payment amount) For payments in all currencies, apart from EUR 20 USD For payments in EUR 20 EUR 5. Transfer of funds based on standing payment order 6. Additional payment processing services5 10 USD per month per 1 ongoing payment order (additionally to transaction rates) 6.1. Queries on USD transfers (per query) up to 2 months from the moment of execution Period of limitation from 2 to 6 months from the moment of execution Above 6 months from the moment of execution 6.2. Queries on EUR transfers (per query) up to 2 months from the moment of execution Period of limitation from 2 to 6 months from the moment of execution above 6 months from the moment of execution 6.3. Queries on CHF transfers (per query) up to 1 month from the moment of execution Period of limitation above 1 month from the moment of execution 6.4. Queries on GBP transfers (per query) up to 3 months from the moment of execution Period of limitation above 3 months from the moment of execution 6.5. Queries on CNY transfers (per query) up to 1 month from the moment of execution Period of limitation from 1 to 3 months from the moment of execution above 3 months from the moment of execution Change of payment details or cancellation of payment order in CNY (per message) USD 85 USD 105 USD 60 EUR 85 EUR 105 EUR 60 CHF 130 CHF 35 GBP 160 GBP 210 CNY 270 CNY 420 CNY 420 CNY 6.7. Queries on transfers in other currencies (per query) 60 USD 6.8. Change of payment details or cancellation of payment order in USD (per message) 60 USD 6.9. Change of payment details or cancellation of payment order in EUR (per message) 60 EUR Change of payment details or cancellation of payment order in CHF (per message) 60 CHF Change of payment details or cancellation of payment order in GBP (per message) 40 GBP Change of payment details or cancellation of payment order in other currencies (per message) Return of payment by client s request, previously credited to client s account in all currencies 7. Foreign Exchange 7.1. Purchase and sale of foreign currency at Bank s exchange rate 6 : 60 USD 30 USD Purchase and sale of foreign currency for rubles At bank s exchange rate 5

6 Purchase of another foreign currency at the expense of funds in currency account or payment in a currency At bank s exchange rate different from account currency Note: After receipt of a statement from a correspondent bank, SDM-Bank PJSC, if expenses arise, charges them to the client 7.2. Conversion at exchange rate of MOEX Single Trading Session: Currency purchase At the exchange rate of transaction in Single Trading Session with Currency sale At the exchange rate of transaction in Single Trading Session with Funds credit to client s account when received from MOEX - up to USD 50, % of amount - above USD 50, % of amount Note: Charged in RUB as percentage of ruble amount spent to purchase currency or received from currency sale 8. Cash operations in foreign currency 8.1. Cash withdrawal for business trip expenses (of amount) 1.0 % of amount 8.2. Acceptance of unused business trip allowances 8.3. Acceptance of worn out foreign currency banknotes 4% of amount at exchange rate of the Central Bank of the Russian Federation 9. Foreign exchange control 9.1. Contract registration free 9.2. Foreign exchange control of transactions % (of transfer amount) min RUB 400 max RUB 55,000, VAT included 9.3. Additional foreign exchange control services: Issue of foreign exchange control document copies (bank control statements, contract, etc.) RUB 150 per sheet, but not more than RUB 1500 per document, VAT Transfer of contract for service in another bank RUB 5000 per document, VAT included Deregistration of contract upon contract expiration, if a Client failed to submit an application to deregister RUB 300 for single contract the contract closing, VAT included Amendment of data on registered contracts: Amendment of RUB 600 per document, VAT included previously submitted documents. DOCUMENTARY TRANSACTIONS IV. 1. Letters of credit in RUB between residents 1.1. Letter of credit opening 0.15% (min RUB 500 max RUB 30,000) 1.2. Advise of letter of credit terms, or amendments thereto RUB Previously opened letter of credit amendment RUB Verifying documents under letters of credit and letter of credit confirmation 2. Letters of credit in RUB and foreign currency for import and export transactions 0.15% (min RUB 500 max RUB 30,000 ) 2.1. LC pre-advising RUB LC advising /increase of letter of credit amount advising 0.15% of letter of credit amount (letter of credit increase amount), min RUB 3000, max RUB 15, Opening, prolongation, increase of covered LC amount 0.15% of letter of credit amount (letter of credit increase amount), min RUB 5000, max RUB 75,000 per quarter or its part 2.4. LC prolongation within the period when the fees were charged RUB Letter of credit confirmation under addendum 2.6 Examination of documents and payment initiation if LC is available at SDM-Bank and / or SDM- Bank is the issuing bank 0.2% of document package amount, min RUB 7000, max RUB 100,000, and actual mailing expenses 2.7 Examination of documents (payment is not available at SDM-Bank counters) 0.1% of document package amount, min RUB 3,000, max RUB 10, Sending documents to a nominated/issuing bank without examination RUB mailing expenses 2.9 LC amendments (except amount increase, prolongation under item 2.3. and cancellation under item 2.11) RUB 3000 per each change Advise of letter of credit terms change (apart from amount increase) RUB Letter of credit cancellation RUB Provision of documents containing variation from letter of credit terms RUB 1500 per each document package Forwarding of LC and documentary correspondence without any obligation on our part RUB 1000 per each message Additional services: preparation or editing of draft payment terms of contract, draft letter of credit, translation free of a letter of credit into Russian, preparation of an opinion on a letter of credit and other consultations 3. Documentary collection 3.1. Documentary collections against acceptance or payment 0.15% of amount, min RUB 1500, max RUB

7 3.2. Delivery of documents free of acceptance or payment 3.3. Mailing or return of documents provided for collection but unpaid RUB % of amount, min RUB 1000, max RUB Taking up, examination and forwarding documents for collection 0.15% of amount, min RUB 1500, max RUB Amendment of documentary collection or its cancellation RUB Payer s refusal of accept and / or payment by agreement, min RUB Bank guarantees 4.1 Sending messages through SWIFT 30 USD 4.2 Guarantee advising 0.1% (min RUB 1800 max RUB 11,000), VAT included 4.3 Guarantee amendment advising RUB 1800, VAT included V. ACCOUNT REMOTE BANKING SERVICES 1. BANK-CLIENT system 1.1. Processing of transactions in an account through Bank-Client system Including SMS-notification RUB 6000 monthly Provision of an individual electronic signature (including an additional one) on a secure RUB medium USB-e Token 2. Internet-Client system 2.1. Connection free 2.2. Processing of transactions in an account through Internet-Client system. Including SMS-notification RUB 750 monthly Processing of transactions in an account through Internet-Client system, provided that electronic RUB 400 monthly Internet accounting service Moe delo is connected 2.3. Provision of an individual electronic signature (including an additional one) on a secure RUB 1350 medium USB e-token 2.4. Resumption of access to Internet-Client system in case of untimely payment of service fee RUB RB system of comprehensive access 3.1. Connection RUB Processing of transactions in an account through Bank-Client system of comprehensive access. RUB 5000 monthly Including SMS-notification 3.3. Provision of an individual electronic signature (including an additional one) on a secure RUB 1350 medium USB e-token 3.4. Resumption of access to Internet-Client system of comprehensive access in case of untimely payment of RUB 8000 service fee 4. Additional services for remote maintenance 4.1 Delivery of individual electronic signature by Bank s courier RUB 1500 (including VAT) Bank s expert visit to install and adjust software, to train Client s staff, and to eliminate faults caused by a RUB 2500 (including VAT) 4.2 client in the System 5. Internet-Client system for legal entities using payroll service 5.1. Connection to the system free 5.2. Processing of transactions in an account through Internet RUB 150 monthly 5.3 Change of individual electronic-digital signature at client s initiative RUB Generation of additional individual electronic signature RUB SDM-Analytics system 6.1. Provision of system access codes 7. SMS-notification for legal entities 7.1. For clients served in RB systems Subscription fee per month 7.2. For other clients: Subscription fee per month RUB 350 The Bank shall charge a fee in RUB from RUB accounts or foreign currency accounts in account currency at the exchange rate of the Central Bank of the Russian Federation on transaction day. The Bank shall charge a fee in foreign currency from foreign currency accounts or from RUB accounts at the exchange rate of the Central Bank of the Russian Federation on transaction day. ¹ Excluding payments within automatic salary distribution agreements (payroll service) and other payments to accounts of employees in served enterprises ² Time of client service in the operating division of the Bank, Standard Banking Hours, in Head Office and network of branches of Moscow and Moscow region - from 9-30 am to 4-00 pm, in the Regional Bank branches according to a Branch Schedule. Time of client service in Bank-Client systems, Standard Banking Hours, in Head Office and network of branches of Moscow and Moscow region - from 9:00 am to 4:30 pm, in the Regional Bank branches according to a Branch Schedule. 7

8 ³Time of client service with an operating division of the Bank, Extended Banking Hours, with Head Office and network of branches of Moscow and Moscow region: - interbank payments from 4:00 pm to 7:00 pm, - intrabank payments from 4:00 pm to 8:00 pm - in the Regional Bank branches according to a Branch Schedule. Time of client service with Bank-Client systems, additional transaction time, with Head Office and network of branches of Moscow and Moscow region: - interbank payments from 4:30 pm to 7:00 pm, - intrabank payments from 4:30 pm to 8:00 pm - with bank branches - according to a Branch Schedule. 4 Bank fee for wire transfers using plastic cards is set at the moment of contract execution. 5 Apart from its own fee, the Bank shall charge to Client the fees of correspondent banks on this transaction. 6Exchange rate of SDM-Bank PJSC is based on the rates set forth at the daytime trading session in System of Electronic Trading on the MOEX, and the rates of the interbank foreign exchange market. 7 Control over operation related to export and import of goods, works, services, results of intellectual activity, on operations of receiving and granting of loans and credits. 9 Maximum amount of payment in BESP system - unlimited 10 Apart from Internet acquiring 11 Formula to calculate monthly average turnover in a terminal 8