REVIEW OF TARIFF OF FEES APPLIED IN RETAILTRANSACTIONS OF THE BANK AS OF AMOUNT OF FEES, PROVISIONS AND SERVICE tariff item

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1 REVIEW OF TARIFF OF FEES APPLIED IN RETAILTRANSACTIONS OF THE BANK AS OF Number of tariff X RETAIL TRANSACTIONS 1. FX SAVINGS ACCOUNTS/BOOKS 1.1. Opening and keeping 1.2. In payments In cash Out payments In cash to the corporate account (purchase of goods from consignment) In cash and in dinar equivalent 0.20% min. RSD 200, From books issued by other banks (in RSD equivalent only) according to Bank Association Agreement 1.4. Loro remittances (service for payments in ) In case of transfer to term savings sub accounts (3, 6, 12, 24 and 36 months) Payments with OUR option Amount (equivalent) to EUR , % min. RSD 200,00 max. RSD 2,400, Amount (equivalent) exceeding EUR 10, % max. RSD 16,000, Amount (equivalent) exceeding EUR 100, % max. RSD 20,000, On the grounds of: salary (basis 600) for a business trip (basis 340) On the grounds of foreign pensions (base 800) Pensions from Rep.of Croatia, the Federation of BIH, R.of Montenegro and According to the Agreement without disability from Rep. of Srpska provision Pensions from the Federal Republic of Germany 0.23% Other foreign pensions 0.35% Payments via Komercijalna Banka AD Budva and Komercijalna Banka AD Banja Luka 1.5. Nostro remittances (FX outflows) Nostro remittances ( payments to abroad) 0.80% min. RSD 1,000,00 max. RSD 30,000, Nostro remittances ( payments to abroad) USD 0.80% min. RSD 600,00 max. RSD 30,000, Payments to the account of customers of Komercijalna Banka AD Budva and Komercijalna Banka AD Banja Luka 5 EUR fixed in RSD equivalent 1.6. Transfers of funds To the accounts of the same owner held at the Bank To the accounts held at other banks in the country 0.40% min. RSD 400,00 max. RSD 20,000, Pursuant to the Art. 34 of the Law on Foreign Exchange Operations (transport and lease of real estate, life insurance premium) - accounts held at the Bank 0.20% max. RSD 5,000, Pursuant to the Art. 34 of the Law on Foreign Exchange Operations (transport and lease of real estate, life insurance premium) 0.40% max. RSD 20,000,00 Accounts held at other banks On the grounds of the founders' equity, in, of the foreign entity - to the corporate account held at the Bank 1.7. Transfers of dinar equivalent One time to the accounts held at the Bank One time to the other accounts 0.10% 1.8. Conversion For nostro remittance transfer 0.30% Date: Page 1 of 5

2 Number of tariff 2. FOREIGN CURRENCY TRANSACTIONS 2.1. Foreign cash Exchange operations Purchas of cash and foreign cheque Currency buyout Buyout - IN currency and currency BAM 2.00% Buyout of foreign cheque 2.00% min. RSD 200, Sale of cash Collection of banknotes withdrawn from circulation and worn out foreign banknotes 4.00% + VAT + expenses of foreign bank 2.2. Cheques and other securities in Nostro cheques Nostro cheques' issue 1.50% min. RSD 200,00 per cheque Cheques' cancellation Expenses of foreign bank Travellers cheques' issue 2.00% min. RSD 350, Loro cheques Deposit in foreign sub-account Cash out payment immediately upon presentation 1.50% min. RSD 200, Out payment after a certain period (received approval) 1.00% min. RSD 200, Out payment of pension cheque 0.50% Out payment of pension cheque BAWAG issue 1.50% min. RSD 200, Collection of foreign cheques and other securities 3. CURRENT ACCOUNT AND DINAR RETAIL SAVINGS 2.00% min.rsd 600,00 immediately upon cheque receipt + expenses of foreign bank 3.1. Keeping the current accounts of retail customers Current account without changes in balance in the last three months Current account with changes in balance in the last three months Fee 1 keeping of CA, permanent order, SMS service, debit payment card, web e-bank service RSD 200,00 per month Fee a 2 keeping of CA, permanent order, SMS service, debit payment card RSD 150,00 per month Current account of pensioners and farmers with changes in balance in the last three months Fee 3 keeping of CA, permanent order, SMS service, debit payment card, web e-bank service RSD 150,00 per month Fee 4 keeping of CA, permanent order, SMS service, debit payment card RSD 100,00 per month 3.2. Payments and inflows 3.3. Cash out payments From current account, dinar savings and tied accounts opened with the Bank From tied accounts of farmers On the grounds of cheques and dinar savings books issued by other 3.00% according to the Agreement of Banks banks Association 3.4. Non-cash transfers/payments, from current account/dinar savings book Via transfer order to the accounts Of retail customers at the Bank Of corporate customers at the Bank 0.40% min. RSD 35, Of corporate/retail customers at another Bank 0.60% min. RSD 45,00 Date: Page 2 of 5

3 Corporate customers - of the Bank - if the funds are transferred to the dinar deposit as a founding stake Retail customers - of another bank due to closing of an account of due to an increase of account maintenance fee Permanent order - for payments and fund transfers 3.5. Preparation of the account balance statement (account transactions), at the request of the owner 3.6. Cheque issuance Issuance of the current account cheque books RSD 5,00 per cheque Issuance of certified cheques RSD 80,00 per cheque 4. PAYMENT ORDER (PAYMENT SLIP) 4.1. To corporate accounts held at the Bank 0.40%, min. RSD 45, To corporate/retail accounts held at another Bank 0.60 %, min. RSD 60, To the accounts of investment funds of the Fund Management Investment Kombank Invest Of amount up to RSD 250,000,00 RSD 15,00 fix per order Of amount exceeding RSD 250,000,00 RSD 150,00 fix per order Issuance of certificates Of regular banking operations RSD 300, At special request of the customer RSD 169,40 + VAT 5.2. Photocopying (at customer's request) Of cheques RSD 10,00 per cheque Of other documents RSD 25,42 per document + VAT 5.3. Transfer of funds to retail customers by postal order RSD 50,00 + actual costs 5.4. Blockade Blockade of account/book RSD 80, Blockade and depreciation of the book RSD 100, Settlement (closing) the account 5.6. Book replacement Regular replacement Temporary replacement (at owner's request) RSD 100, Sending notices to customers RSD 100, The execution of court judgments and orders of other authorities for collecting payments from the account / savings books RSD 100,00 + accompanying costs 6. RETAIL LOANS STANDARD OFFER TO THE BANK'S CUSTOMERS 6.1. Forms of application / change of repayment terms 6.2. Processing of loan application (% of loan amount) Dinar cash loans 12 month repayment term 0.50% Dinar cash loans and refinancing loans months repayment term 0.50% Dinar cash loans and refinancing loans - Up to 99 months repayment term 2.00% Cash loans and refinancing loans with currency clause 2.00% Dinar cash loans and refinancing loans secured by mortgage 2.00% Cash loans and refinancing loans secured by mortgage with FX clause 2.00% Dinar cash loans and refinancing loans with life insurance 1.00% Dinar cash loans against deposit 0.50% min. RSD 3.000,00 max. RSD , Cash loans against deposit with FX clause 0.50% min. RSD 3.000,00 max. RSD ,00 Date: Page 3 of 5

4 Dinar consumer loans 2.00% Consumer loans with FX clause 2.00% Dinar loans for purchase of motor vehicles 2.00% Loans for purchase of motor vehicles with FX clause 2.00% Dinar housing loans insured with NMIC 1.50% Housing loans insured with NMIC indexed in 1.50% Housing loans uninsured with NMIC with life insurance and indexed in 1.50% Loans for refinancing of housing loans RSD 1,000, Dinar loans for home improvement 1.50% Loan for home improvement insured by mortgage and indexed in Loans for home improvement insured by pledge and indexed in 1.25% 1.75% Dinar loans for purchase of business space 2.00% Loans for purchase of business space with FX clause 2.00% Dinar loans for home furnishing and coverage of accompanying costs for borrowers of housing loans Loans for home furnishing and coverage of accompanying costs for borrowers of housing loans with FX clause Loans for energy efficiency from GGF credit line with FX clause secured by promissory note / promissory note and guarantor Loans for energy efficiency from GGF credit line with FX clause insured by mortgage Reprogram and restructuring of debts from bank's lending activities 2.00% 1.00% Incentives for loans in repayment of customers from flooded areas Request to change the currency of housing loans Change of loan repayment terms Facilities for repayment of loans indexed in CHF, in accordance with the NBS Decision 6.3. Partial or full loan repayment Housing loans indexed in EUR (purchase of real-estate) RSD 1.500,00 per individual loan; max RSD 5.000,00 jointly for all loans 0.75% of debt remainder Min. RSD 1.000,00 Max. RSD 5.000, Other loans Housing loans indexed in CHF in repayment 1% of prepaid principal amount if the period between the loan prepayment and final due date exceeds one year, i.e. 0.5% if the said period is shorter, with the condition that the amount of prepayments in the 12-month period exceeds RSD 1,000,000, Fee for early liquidation of loans granted by Komercijalna Banka and subject to refinancing 6.4. Written notices RSD 100,00 per notice 6.5. Insurance premium with NMIC 1.35% % of the loan amount 6.6. NMIC application processing fee EUR 30,00 Date: Page 4 of 5

5 7. GUARANTEES*/** 7.1. Performance guarantees For participation in auctions, tenders Maintenance guarantees Other 7.2. Payable guarantees For loan repayment For securing the payment Other 8. CREDIT BUAREAU S FEES 8.1. Baseline report on retail customer Applicant of the request to use service RSD 246,00 per report For guarantor RSD 102,00 per report 8.2. Synthetic report on retail customer Applicant of the request to use service RSD 168,00 per report For guarantor RSD 78,00 per report 8.3. Personal report Personal report RSD 276,00 per report (one report annually no charge of fee) Personal report on sureties by liabilities of corporate customers and RSD 138,00 per report entrepreneurs (one report annually no charge of fee) 8.4. Bill form RSD 50,00 *Fees for issued guarantees with date of expiry up to 90 days are charged one time, and those with time of expire exceeding 90 days are charged quarterly. If the quarter started, the fee shall be calculated for the entire quarter. **Fees for guarantees secured by 100% deposited cash collateral, expressed in percentages are reduced by 50% of the effective tariffs * * * If the customers executes several related transactions in the Bank, subject to fee collection, only one fee shall be charged the highest Tariff s under 5-Other, applied on the grounds of dinar and FX transactions Tariff s under 8-Fee for Services of the Credit Bureau include value added tax by 20% rate VAT at 20% rate shall be additionally calculated for tariff s , and Date: Page 5 of 5