Fee Information Document

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Information Document Structure: JSC "Rietumu Banka" Account Name: Account Date: 30.11.

charged to customers, who open an account without their personal presence at the Bank Additional fee for account opening charged to customers, who provide a notary attested package of documents - The

1 Information Document Structure: JSC "Rietumu Banka" Account Name: Account Date: :48:19 Service ACCOUNT OPENING Opening and closing of a multicurrency current account MAINTENANCE Maintenance of the client Multicurrency account opening Additional fee for account opening charged to customers, who open an account without their personal presence at the Bank Additional fee for account opening charged to customers, who provide a notary attested package of documents - The fee is not payed back in case the Bank rejects to open the account Express account opening *Additional fee for opening an account in 72 hours after submitting a full set documents to the Bank (during working hours of the Bank) Multicurrency current account closure fee Closing of a multicurrency account of the client which does not comply with the Bank's Client Policy Active client servicing, when at least one of the following conditions is fulfilled: 1) for the last 3 months the average monthly: - balance on all accounts exceeds 150 EUR 100 EUR 250 EUR 100* EUR 100 EUR 500 EUR Free of Charge 1

2 25000 EUR - the number of outgoing foreign payments (SWIFT, SEPA, TARGET) 3 and more or - debit turnover on card accounts exceeds EUR ) total balance and/or total number of transactions on all accounts of the beneficiary group covers requirements of all clients of the group 3) existance of a valid loan agreement for an amount exceeding EUR 4) during the first 6 months from the moment of activation of the first account Low-active client servicing (when conditions of an active client are not fulfilled) Inactive client maintenance (no client transactions over the previous two years and no active banking products) Maintenance of a multi-currency account, where, in accordance with the Terms and Conditions of JSC Rietumu Banka and Client Agreement, financial operations are terminated Maintenance of the client accounts in 2 months after receiving the application for closing (if funds are not withdrawn) for maintaining a multicurrency account of the client which does not comply with the Bank's Client Policy Current account interest in RUB Account balance exceeding RUB 20 EUR monthly 50 EUR monthly information at the Bank information at the Bank 1000 EUR monthly 1 % annually Application on a negative interest rate for the balance of a current and of an investment money account in the currency of CHF Individual analysis of the Client * For the account balance over CHF *in accordance with the Law on the 1.5 % annually 2

3 Prevention of Money Laundering and Terrorism Financing Individual monitoring and analysis of the operations on the accounts of the Client 200* EUR per hour * The amount of the fee is subject to VAT in line with the existing norms of the "Value Added Tax Law" of the Republic of Latvia Penalty for the actions of the Client, which resulted in reasonable suspicion of the Bank in regard to the violations by the Client of the normative acts ( in the sphere of prevention of the money laundering, national and international sanctions, market manipulation, unlawful use of the inside information and other spheres) 10 % *, min 5000 EUR *from the average balance of the assets on the accounts of the Client in the Bank calculated for the last 90 days until the moment of application of the penalty Penalty for the failure of the Client to submit information and documents in due time, indicated by the Bank in the request and/or in case when submitted documents and information do not correspond to the requirements set out by the Bank in the request to the Client 500 EUR - The payment of the penalty does not exempt the Client from the obligations stipulated by the Terms and Conditions of JSC "Rietumu Banka" and Client Agreement as well as the applicable law, including but not limited to, the obligation to fully reimburse all of the Bank's losses Analysis of the client which resulted in a decision to terminate the relationship due to non-compliance with the Bank's Client Policy 500 EUR 3

4 WIRE TRANSFERS Incoming wires Rietumu Bank does not apply charges for incoming transfers to a current account Intrabank transfers Inquiry and manual processing of incoming transfer with incorrect details In EUR and other major currencies In EUR In USD In "soft" currencies 35 EUR 20 EUR 5 EUR Submitted transfer inquiry* In other "soft" currency 20 EUR In EUR and other major currencies From 1 year from the transaction date 60 EUR + additional fee More than 1 year from the transaction date 80 EUR + additional fee * - However, additional fees may apply if during the submitted transfer inquiry the intermediary bank or the beneficiary bank charges additional fees Cancellation of or changes in outgoing payment orders After funds' write-off from an account, but before the bank sends a payment order In major currencies In other "soft" currency 10 EUR 10 EUR The bank sent a payment order** In EUR and other major currencies 100 EUR + additional fee In other "soft" currency 50 EUR ** - However, additional fees may apply if during the cancellation of or changes to payment orders the intermediary bank or the beneficiary bank charges additional fees ** - A request for payment reversal and commission charge-off does not guarantee the refund. If funds were credited to beneficiary s account, the refund can be made only upon agreement of beneficiary 4

5 Cancellation of internal bank payment order*** Return of transfer by correspondent In all currencies *** - A request for payment reversal and commission charge-off does not guarantee the refund. If funds were credited to beneficiary s account, the refund can be made only upon agreement of beneficiary In USD 25 EUR 20 EUR bank or beneficiary bank In other currency 35 EUR Monitoring performance of payments Monitoring performance of payments ordered by customers 100 EUR monthly Standing Order Order registration Additional transaction charge 5 EUR as for a payment order submitted through Remote Banking Systems Payment to another bank card irietumu 2 %, min 3 EUR CASH OPERATIONS Cash deposit into account Cash withdrawal* EUR RUB CHF, JPY, NOK, SEK, CZK, PLN EUR Additional charge for cash issue withdrawal from the account without prior notification from EUR RUB CHF, JPY, NOK, SEK, CZK, PLN *Cash issue withdrawal from EUR (or equivalent in other currency) - on one working day prior notification 0.1 %, min 5 EUR 0.5 %, min 5 EUR 0.5 %, min 5 EUR 0.4 %, min 5 EUR 0.3 % 2 %, min 5 EUR 0.5 %, min 5 EUR Exchange of cash In any currency 3 EUR for one operation Other cash operations Authentication of bank-notes 0.20 EUR per bank-note, min 1 EUR Substitution of damaged bank-notes EUR Free of Charge 5

6 Deposit, exchange of coins Up to 10 coins For every 100 coins over 10 per day Free of Charge 1 EUR Bank-notes exchange Bank-notes exchange (in all currencies) 0.25 % of total amount, min 5 EUR, max 250 EUR Chequebooks Issue of chequebook 5 EUR REMOTE BANKING SYSTEMS Home-Banking Software Internet banking M-Bank text alerts Enterprise Link (E-LINK) Enterprise Link PRO (E-LINK PRO) Identification and authorization devices Authorization devices kit Separate devices Connection Connection of a 3rd party account (based on Power of Attorney) Monthly fee (irrespective of number of accounts) Connection Connection of a 3rd party account (based on Power of Attorney) Monthly fee (irrespective of number of accounts) Connection Monthly fee SMS Connection Monthly fee Connection Monthly fee (amount of transactions up to 200 per month) Monthly fee (amount of transactions per month is 200 and more) Professional (Rietumu ID + DigiPass) Autonomous (Rietumu ID + DigiPass ОТP) Mobile (Rietumu ID+ DigiPass Mobile) DigiPass ОТP 50 EUR 25 EUR 10 EUR Free of Charge 25 EUR Free of Charge Free of Charge Free of Charge Free of Charge Free of Charge 20 EUR 50 EUR 50 EUR 100 EUR 60 EUR 30 EUR 40 EUR 30 EUR 6

7 Digital certificate (only online) Test code table DigiPass DigiPass Mobile 10 EUR 10 EUR 60 EUR 40 EUR WIRE TRANSFERS IN THE BANK Economy OUR customer pays the commission of Rietumu Banka and correspondent bank. However, additional fees may apply if during the transfer intermediary bank or the beneficiary bank charges additional fees. In some cases the correspondent bank and/or the beneficiary bank does not regard the instructions of Rietumu Banka, therefore the commission of such banks may be charged from the payment s amount. SHA - a customer pays Rietumu Bank's fees. A recipient covers payment related fees of intermediary banks and a beneficiary bank. BEN - a beneficiary pays Rietumu Bank's and other banks' fees that are withdrawn from the transfer amount. The minimum payment amount accounts for EUR 200 or equivalent in other currencies. 1) The bank applies only SHA-type fees for outgoing transfers in euro and other EEA* currencies** within the EEA. When making payments to the EEA country in euro or other EEA currencies, a beneficiary bank receives the full payment amount; the beneficiary bank's fee can be withheld from beneficiary, if it is stipulated by the beneficiary bank and the payment beneficiary's agreement. If BEN or OUR-type fee is specified in the payment order, Rietumu is entitled to 7

8 GBP change it to SHA. 2) The bank applies OUR and SHA-type fees for outgoing transfers in EUR and other currencies of the EEA outside the EEA; BEN-type fees do NOT apply for transfers in EUR. * Member countries of the European Economic Area: Iceland, Norway, Liechtenstein and 28 EU countries Austria, Belgium, Bulgaria, Czech Republic, Denmark, France, Greece, Estonia, Ireland, Italy, Cyprus, Latvia, United Kingdom, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Finland, Spain, Hungary, Germany, Sweden, Croatia ** Currencies of the European Economic Area: EUR, GBP, NOK, SEK, CZK, CHF. OUR/SHA *The transfer in GBP currency within EEA is possible with OUR charge type with Client's appropriate selection 55 EUR CHF OUR/SHA 55 EUR SEK OUR/SHA 55 EUR NOK OUR/SHA 55 EUR BYN OUR 20 EUR RUB OUR 25 EUR KZT OUR 25 EUR Standard OUR customer pays the commission of Rietumu Banka and correspondent bank. However, additional fees may apply if during the transfer intermediary bank or the beneficiary bank charges additional fees. In some cases the correspondent bank and/or the beneficiary bank does not 8

9 regard the instructions of Rietumu Banka, therefore the commission of such banks may be charged from the payment s amount. SHA - a customer pays Rietumu Bank's fees. A recipient covers payment related fees of intermediary banks and a beneficiary bank. BEN - a beneficiary pays Rietumu Bank's and other banks' fees that are withdrawn from the transfer amount. The minimum payment amount accounts for EUR 200 or equivalent in other currencies. 1) The bank applies only SHA-type fees for outgoing transfers in euro and other EEA* currencies** within the EEA. When making payments to the EEA country in euro or other EEA currencies, a beneficiary bank receives the full payment amount; the beneficiary bank's fee can be withheld from beneficiary, if it is stipulated by the beneficiary bank and the payment beneficiary's agreement. If BEN or OUR-type fee is specified in the payment order, Rietumu is entitled to change it to SHA. 2) The bank applies OUR and SHA-type fees for outgoing transfers in EUR and other currencies of the EEA outside the EEA; BEN-type fees do NOT apply for transfers in EUR. * Member countries of the European Economic Area: Iceland, Norway, Liechtenstein and 28 EU countries Austria, Belgium, Bulgaria, Czech Republic, Denmark, France, Greece, Estonia, Ireland, Italy, Cyprus, Latvia, United Kingdom, Lithuania, Luxembourg, Malta, Netherlands, 9

10 USD GBP Poland, Portugal, Romania, Slovakia, Slovenia, Finland, Spain, Hungary, Germany, Sweden, Croatia **Currencies of the European Economic Area: EUR, GBP, NOK, SEK, CZK, CHF. OUR SHA/BEN OUR/SHA *The transfer in GBP currency within EEA is possible with OUR charge type with Client's appropriate selection 75 EUR 55 EUR 65 EUR CHF OUR/SHA 65 EUR SEK OUR/SHA 65 EUR NOK OUR/SHA 65 EUR CZK OUR/SHA* * If during the transfer intermediary bank and/ or the beneficiary bank charges additional fees, this additional commission is debited from the client s current account 55 EUR PLN OUR/SHA 55 EUR JPY OUR*/SHA/BEN *Client pays the commission of Rietumu Banka. If banks involved in the payment process require to pay fees associated with this payment, Rietumu Banka withdraws required commission from the client's account without further authorisation. 55 EUR BYN OUR 30 EUR RUB OUR 35 EUR KZT OUR 30 EUR CNY OUR/SHA/BEN 75 EUR AMD OUR 30 EUR Express OUR customer pays the commission of Rietumu Banka and correspondent 10

11 bank. However, additional fees may apply if during the transfer intermediary bank or the beneficiary bank charges additional fees. In some cases the correspondent bank and/or the beneficiary bank does not regard the instructions of Rietumu Banka, therefore the commission of such banks may be charged from the payment s amount. SHA - a customer pays Rietumu Bank's fees. A recipient covers payment related fees of intermediary banks and a beneficiary bank. BEN - a beneficiary pays Rietumu Bank's and other banks' fees that are withdrawn from the transfer amount. The minimum payment amount accounts for EUR 200 or equivalent in other currencies. 1) The bank applies only SHA-type fees for outgoing transfers in euro and other EEA* currencies** within the EEA. When making payments to the EEA country in euro or other EEA currencies, a beneficiary bank receives the full payment amount; the beneficiary bank's fee can be withheld from beneficiary, if it is stipulated by the beneficiary bank and the payment beneficiary's agreement. If BEN or OUR-type fee is specified in the payment order, Rietumu is entitled to change it to SHA. 2) The bank applies OUR and SHA-type fees for outgoing transfers in EUR and other currencies of the EEA outside the EEA; BEN-type fees do NOT apply for transfers in EUR. * Member countries of the European Economic Area: Iceland, Norway, 11

12 USD Liechtenstein and 28 EU countries Austria, Belgium, Bulgaria, Czech Republic, Denmark, France, Greece, Estonia, Ireland, Italy, Cyprus, Latvia, United Kingdom, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Finland, Spain, Hungary, Germany, Sweden, Croatia **Currencies of the European Economic Area: EUR, GBP, NOK, SEK, CZK, CHF. OUR SHA/BEN 100 EUR 75 EUR BYN OUR 40 EUR REMOTE WIRE TRANSFERS Economy OUR customer pays the commission of Rietumu Banka and correspondent bank. However, additional fees may apply if during the transfer intermediary bank or the beneficiary bank charges additional fees. In some cases the correspondent bank and/or the beneficiary bank does not regard the instructions of Rietumu Banka, therefore the commission of such banks may be charged from the payment s amount. SHA - a customer pays Rietumu Bank's fees. A recipient covers payment related fees of intermediary banks and a beneficiary bank. BEN - a beneficiary pays Rietumu Bank's and other banks' fees that are withdrawn from the transfer amount. The minimum payment amount accounts for EUR 200 or equivalent in other currencies. 1) The bank applies only SHA-type fees 12

13 GBP for outgoing transfers in euro and other EEA* currencies** within the EEA. When making payments to the EEA country in euro or other EEA currencies, a beneficiary bank receives the full payment amount; the beneficiary bank's fee can be withheld from beneficiary, if it is stipulated by the beneficiary bank and the payment beneficiary's agreement. If BEN or OUR-type fee is specified in the payment order, Rietumu is entitled to change it to SHA. 2) The bank applies OUR and SHA-type fees for outgoing transfers in EUR and other currencies of the EEA outside the EEA; BEN-type fees do NOT apply for transfers in EUR. * Member countries of the European Economic Area: Iceland, Norway, Liechtenstein and 28 EU countries Austria, Belgium, Bulgaria, Czech Republic, Denmark, France, Greece, Estonia, Ireland, Italy, Cyprus, Latvia, United Kingdom, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Finland, Spain, Hungary, Germany, Sweden, Croatia ** Currencies of the European Economic Area: EUR, GBP, NOK, SEK, CZK, CHF. OUR/SHA *The transfer in GBP currency within EEA is possible with OUR charge type with Client's appropriate selection 40 EUR CHF OUR/SHA 40 EUR SEK OUR/SHA 40 EUR NOK OUR/SHA 40 EUR BYN OUR 5 EUR 13

14 RUB OUR 10 EUR KZT OUR 10 EUR Standard OUR customer pays the commission of Rietumu Banka and correspondent bank. However, additional fees may apply if during the transfer intermediary bank or the beneficiary bank charges additional fees. In some cases the correspondent bank and/or the beneficiary bank does not regard the instructions of Rietumu Banka, therefore the commission of such banks may be charged from the payment s amount. SHA - a customer pays Rietumu Bank's fees. A recipient covers payment related fees of intermediary banks and a beneficiary bank. BEN - a beneficiary pays Rietumu Bank's and other banks' fees that are withdrawn from the transfer amount. The minimum payment amount accounts for EUR 200 or equivalent in other currencies. 1) The bank applies only SHA-type fees for outgoing transfers in euro and other EEA* currencies** within the EEA. When making payments to the EEA country in euro or other EEA currencies, a beneficiary bank receives the full payment amount; the beneficiary bank's fee can be withheld from beneficiary, if it is stipulated by the beneficiary bank and the payment beneficiary's agreement. If BEN or OUR-type fee is specified in the payment order, Rietumu is entitled to change it to SHA. 2) The bank applies OUR and SHA-type fees for outgoing transfers in EUR and other currencies of the EEA outside the 14

15 USD GBP EEA; BEN-type fees do NOT apply for transfers in EUR. * Member countries of the European Economic Area: Iceland, Norway, Liechtenstein and 28 EU countries Austria, Belgium, Bulgaria, Czech Republic, Denmark, France, Greece, Estonia, Ireland, Italy, Cyprus, Latvia, United Kingdom, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Finland, Spain, Hungary, Germany, Sweden, Croatia **Currencies of the European Economic Area: EUR, GBP, NOK, SEK, CZK, CHF. OUR SHA/BEN OUR/SHA *The transfer in GBP currency within EEA is possible with OUR charge type with Client's appropriate selection 60 EUR 40 EUR 50 EUR CHF OUR/SHA 50 EUR SEK OUR/SHA 50 EUR NOK OUR/SHA 50 EUR CZK OUR/SHA* * If during the transfer intermediary bank and/ or the beneficiary bank charges additional fees, this additional commission is debited from the client s current account 40 EUR PLN OUR/SHA 40 EUR JPY OUR*/SHA/BEN *Client pays the commission of Rietumu Banka. If banks involved in the payment process require to pay fees associated with this payment, Rietumu Banka withdraws required commission from the 40 EUR 15

16 client's account without further authorisation. BYN OUR 15 EUR RUB OUR 20 EUR KZT OUR 15 EUR CNY OUR/SHA/BEN 60 EUR AMD OUR 15 EUR Express OUR customer pays the commission of Rietumu Banka and correspondent bank. However, additional fees may apply if during the transfer intermediary bank or the beneficiary bank charges additional fees. In some cases the correspondent bank and/or the beneficiary bank does not regard the instructions of Rietumu Banka, therefore the commission of such banks may be charged from the payment s amount. SHA - a customer pays Rietumu Bank's fees. A recipient covers payment related fees of intermediary banks and a beneficiary bank. BEN - a beneficiary pays Rietumu Bank's and other banks' fees that are withdrawn from the transfer amount. The minimum payment amount accounts for EUR 200 or equivalent in other currencies. 1) The bank applies only SHA-type fees for outgoing transfers in euro and other EEA* currencies** within the EEA. When making payments to the EEA country in euro or other EEA currencies, a beneficiary bank receives the full payment amount; the beneficiary bank's fee can be withheld from beneficiary, if it is stipulated by the beneficiary bank and the payment beneficiary's agreement. If 16

17 USD BEN or OUR-type fee is specified in the payment order, Rietumu is entitled to change it to SHA. 2) The bank applies OUR and SHA-type fees for outgoing transfers in EUR and other currencies of the EEA outside the EEA; BEN-type fees do NOT apply for transfers in EUR. * Member countries of the European Economic Area: Iceland, Norway, Liechtenstein and 28 EU countries Austria, Belgium, Bulgaria, Czech Republic, Denmark, France, Greece, Estonia, Ireland, Italy, Cyprus, Latvia, United Kingdom, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Finland, Spain, Hungary, Germany, Sweden, Croatia **Currencies of the European Economic Area: EUR, GBP, NOK, SEK, CZK, CHF. OUR SHA/BEN 85 EUR 60 EUR BYN OUR 25 EUR 17

Fee Information Document

Fee Information Document Information Document Structure: JSC "Rietumu Banka" Account Name: Account Date: 30.11.2018 16:48:19 Service ACCOUNT OPENING Opening and closing of a multicurrency current account MAINTENANCE Maintenance