BizKit L till EUR/month. 2 accounts 4 accounts Unlimited Unlimited Unlimited Unlimited transfers

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1 Business pricelist (D) Banking packages Business banking packages Business packages BizKit S till BizKit M till BizKit L till Business S from Business M from Business L from EUR/month 9 EUR/month 18 EUR/month 5 EUR/month 10 EUR/month 18 EUR/month The services included in the banking package at no : Account (no minimum account ) 2 accounts 4 accounts Unlimited Unlimited Unlimited Unlimited Administra tion of funds (EUR) credited* Euro transfers via internet banking** 10 transfers 25 transfers 55 transfers 10 transfers 25 transfers 60 transfers VISA Business 1 card 2 cards 2 cards 1 card 2 cards 2 cards

2 BizKit S till BizKit M till BizKit L till Business S from Business M from Business L from Electron issuing and servicing VISA Business issuing and servicing - 1 card 1 card Code generator (1st unit) Other s: Package cancellatio n fee*** EUR 15 EUR 15 EUR 15 Package change fee**** EUR 15 EUR 15 EUR 15 *Transfers in euros within bank; transfers in euros received from other banks registered in Lithuania or from a payment service providers registered in the European Economic Area (EEA) countries against SEPA payment order. **Transfer to other beneficiary s account within bank; standard transfer to EEA countries (SEPA); one-time payment of e-invoice; payment for services; to beneficiary s account against payment order for goods / services given via e- commerce system within bank; standing order payments to other beneficiary s account within bank; standing order payments to beneficiary s account at other banks registered in Lithuania. ***Before expiry of 6 months from starting to use it. ****Where one BizKit banking package is replaced with another before expiry of 6 months from starting to use it. BizKit banking package change at no if replaced with larger BizKit banking package instead. BizKit monthly fee is d from your selected account within the first 5 workdays of the current month.

3 VITAMINAI STARTUI banking package Daily services VITAMINAI STARTUI till VITAMINAI STARTUI from free of free of Offered to Legal entities established no earlier than 12 months ago Legal entities established no earlier than 18 months ago Bank account opening* and maintenance + + Code generator (1st unit) + + Transfers in euros via internet banking within bank and to other banks registered in Lithuania or other countries of the European Economic Area + + E-store payments and payments for services via internet banking + + Administration of funds (EUR) transferred within the bank and from other banks registered in Lithuania + + Business payment card VISA Business Electron or VISA Business (one at the choice)** + -

4 VITAMINAI STARTUI till VITAMINAI STARTUI from Business payment card VISA Business Electron** + + Special conditions apply for 12 months from their first application. Special conditions are available to the same legal entity once only. After expiry or termination of the discount period bank will apply Business package S and s as specified in the price list. *Account opening at no to residents only (companies established in Lithuania). **No for card issuing and servicing for 1 year.

5 Account maintenance Account opening till bank till from bank from Account opening for nonresidents* EUR EUR Verification of legal entity's shareholders, non-eu residents ** - - EUR 50 - Account opening for Luminor Group customer nonresident - - EUR Account opening in Luminor group banks abroad - - According to the agreement, min EUR *The fee is applied to persons whose domicile is outside the Republic of Lithuania and paid before making verification and a decision to enter into a business relationship. ** The fee is d to legal entities registered with the Register of Legal Entities of the Republic of Lithuania whose shareholder(-s) is non-eu resident(-s) and is holding at least 25 per cent of the assets/shares/voting rights and such fee is paid before the verification and before making the decision on whether or not the business relations should be started/continued.

6 Account closing till bank till from bank from Account closing* - - EUR 10 EUR 10 * Not applicable if the customer has been holding an account with the bank for more than 6 months.

7 Account maintenance till bank till from bank from Minimum account fee* EUR 2.20 per month EUR 2.20 per month EUR 2.40 per month EUR 2.40 per month Additional account maintenance fee*: For financial institutions** if the account balance is higher than: EUR 1,000,000; SEK 9,500,000; DKK 7,500,000; CHF 1,000,000; JPY 132,000,000; CZK 25,500,000. account balance x by coefficient K. Coefficient K is equal to the absolute value of (EON IA-0.10%)/36 0 (i.e. the module) where EONIA is lower than 0.10%. account balance x by coefficient K. Coefficient K is equal to the absolute value of (EON IA-0.10%)/36 0 (i.e. the module) where EONIA is lower than 0.10%. (the annual interest rate set by the relevant central bank*** minus 0.3 percentage point) /360 (the annual interest rate set by the relevant central bank*** minus 0.3 percentage point) /360 For other legal entities if the Bank notifies the client individually 30 calendar days in advance and the account balance is higher than: EUR 10,000,000; SEK 95,000,000; DKK 75,000,000; CHF 10,000,000; account balance x by coefficient K. Coefficient K is equal to the absolute value of (EON IA-0.10%)/36 0 (i.e. the module) where EONIA is lower than 0.10%. account balance x by coefficient K. Coefficient K is equal to the absolute value of (EON IA-0.10%)/36 0 (i.e. the module) where EONIA is lower than 0.10%. the annual interest rate set by the relevant central bank*** /360 the annual interest rate set by the relevant central bank*** /360

8 till bank till from bank from JPY 1,320,000,00 0; CZK 255,000,000. Escrow on agreed basis - According to the agreement, min 0.15 % from the amount, min EUR Change of Escrow account agreement According to the agreement, min EUR 100 Issuance of a cheque book (25 pages) EUR free of - * The fee is calculated at the end of each calendar day, if all bank account numbers of a legal entity start the same way, i.e. LTXX40100, and their total account balance exceeds the above indicated threshold for the same currency. The fee is calculated for the accounts starting the same way, i.e. LTXX40100, by multiplying the total balance by the absolute value (i.e. module) of the respective amount indicated in the table. No fee is applied if the central bank interest rate in the respective currency becomes positive or zero (for financial institutions if the central bank interest rate in the respective currency is equal to or exceeds 0.3%). The fee is debited from the account by the 10th day of the following calendar month. ** Financial institutions are considered to be banks, credit unions and other credit institutions, payment institutions, electronic money institutions, insurance companies and insurance brokers, financial brokerage companies, investment companies, collective investment undertakings, including without limitation, pension funds, etc. *** The annual interest rate set by the relevant central bank is: for EUR currency - ECB deposit facility rate; for SEK currency - Sveriges Riksbank repo rate; for DKK currency - Danmarks Nationalbank Certificates of deposit rate; for CHF currency - Swiss National Bank negative interest rate; for JPY currency - Bank of Japan complementary deposit facility rate; for CZK currency - Czech National Bank deposit facility rate.

9 Statements of account till bank till from bank from Submission of payment orders / account statements in other format via internet bank - EUR 35 per year -

10 Transfer in euros Transfer in euros within bank and European Economic Area countries till bank till from bank from to one's own bank account within bank (when account no. starts with LTXX40100) EUR 2.50 free of EUR 3 free of to beneficiary s account within bank (when beneficiary s account no. starts with LTXX40100 or LTXX21400) EUR 2.50 EUR 0.29 EUR 3 EUR 0.29 Extra urgent payment (when beneficiary s account no. starts with LTXX21400) EUR 29 EUR 25 standard payment to EEA countries EUR 2.50 EUR 0.39 EUR 3 EUR 0.40 Extra urgent payment to EEA countries EUR 29 EUR 25 Standing orders (on the basis of a standing EUR EUR

11 till bank till from bank from order agreement made at the bank) to the beneficiary s account at other banks registered in Lithuania Terms for transfers in euros are available here.

12 Transfer in euros euros to non European Economic Area countries till bank till from bank from Standard OUR payment EUR 20 EUR 22 Urgent OUR payment EUR 38 EUR 35 Extra urgent OUR payment EUR 80 EUR 67 Standard BEN payment* free of Urgent BEN payment* free of Extra urgent BEN payment* free of OUR type transfer when the transfer fees are covered by the payer. When a payment is sent with the type OUR, the payer may be d additional fees by the beneficiary s bank and by the correspondent bank (EEA bank up to EUR 25 and fees by other non EEA correspondent banks) which will be debited by the Bank from the payer s account. If a transfer is made in US dollars, additional s may be deducted by other banks from the transferred amount. BEN transfer when the transfer s are paid by the beneficiary. *BEN type transfer is applicable till 13 January Terms for transfers in euros are available here.

13 Administration of funds credited to Beneficiary s account Fee till Fee from In other cases from banks registered in Lithuania or from foreign banks 2 % of the amount transferred, but maximum EUR 10 EUR 10 Transfer in other currency Transfer in other currency within bank till bank till from bank from to one s own bank account (when account no. starts with LTXX40100) EUR 2.50 free of EUR 3 free of to other beneficiary s account (when beneficiary s account no. starts with LTXX40100) EUR 2.50 EUR 0.29 EUR 3 EUR 0.29 Terms for transfers in other currency are available here.

14 Transfer in other currency to other banks till bank till from bank from Standard OUR payment EUR 20 EUR 22 Urgent OUR payment EUR 38 EUR 35 Extra urgent OUR payment EUR 80 EUR 67 Standard BEN payment* free of Urgent BEN payment* free of Extra urgent BEN payment* free of SHA transfer, when the payer and the beneficiary each pay the transfer s. Note: Payment orders to EEA countries from 13 January 2018 are processed as SHA type only. OUR type transfer when the transfer fees are covered by the payer. When a payment is sent with the type OUR, the payer may be d additional fees by the beneficiary s bank and by the correspondent bank (EEA bank up to EUR 25 and fees by other non EEA correspondent banks) which will be debited by the Bank from the payer s account. If a transfer is made in US dollars, additional s may be deducted by other banks from the transferred amount. Note: OUR type of s is used to payment orders to other than EEA countries. BEN transfer when the transfer s are paid by the beneficiary. *BEN type transfer is applicable till 13 January Terms for transfers in other currency are available here.

15 Transfer in other currency within Luminor group banks and partner banks till bank till from bank from Transfers to Luminor group banks and DNB Bank ASA, Norway (BIC: DNBANOKK), Bank DNB Polska S.A., Poland (BIC:M HBFPLPW), Norddeutsch e Landesbank Girozentrale, Germany (BI C:NOLADE2H ) in USD, NOK, PLN currencies EUR 9 EUR 11 The fee is d on money transfers processed in the specified currencies with the beneficiary s bank BIC code specified and account number indicated in IBAN format, transfer fees shared with the beneficiary (SHA). Terms for transfers in other currency are available here. Administration of funds credited to the beneficiary s accounts Fee till Fee from In other currency within bank, when payer's account no. starts with LTXX % of the amount, but maximum EUR 10 EUR 10 In other currency from banks registered in Lithuania or in other cases from foreign banks 2 % of the amount, but maximum EUR 10 EUR 10

16 Other services related to transfers Other services related to transfer in euros Fee till Fee from Bank s confirmation or SWIFT copy of transfer in euros to non-eea countries EUR 6 EUR 6 for each Processing a returned payment* - EUR 25 *Foreign bank s fee is applied when the beneficiary s bank or the correspondent bank refunds the amounts due to the reasons beyond the control of the sender s bank. Fee valid from 13 January 2018.

17 Other services related to transfer in other currency Fee till Fee from Bank s confirmation or SWIFT copy of transfer in other currency EUR 6 EUR 6 for each Cancelation or clarification of a transfer in other currency when the beneficiary s account is at another bank registered in Lithuania (if it is sent from the Bank) EUR 20 EUR 20 + foreign bank fee, if any Processing a returned payment* - EUR 25 If a payment order has already been sent from the bank, funds can be returned only with the beneficiary s bank or the beneficiary s consent. Please note that the fee for cancelation or clarification of a transfer in other currency is applied even if such cancelation or clarification has failed. In some cases the expenses related to the returned transfer (including the s of the beneficiary s bank or intermediary banks) may be additionally deducted from the returned transfer funds or debited from the Payer s account. *Foreign bank s fee is applied when the beneficiary s bank or the correspondent bank refunds the amounts due to the reasons beyond the control of the sender s bank. Fee valid from 13 January 2018.

18 Non-cash foreign exchange Non-cash foreign exchange till bank till from bank from FX within own different IBAN accounts (when account no. starts with LTXX40100) EUR 2.50 free of EUR 3 free of

19 E. invoice E. invoicing for payers till bank till from bank from E-invoice onetime payment under a completed payment form within bank (when beneficiary account no. starts with LTXX40100) EUR 2.50 EUR 0.29 EUR 3 EUR 0.29 E-invoice onetime payment under a completed payment form, when beneficiary account no. starts with LTXX21400 and to other banks registered in the Republic of Lithuania EUR 2.50 EUR 0.39 EUR 3 EUR 0.40

20 E. invoicing for service providers Fee till Fee from Administration of funds transferred to a service provider Standard fees free of Salary payments Salary payments Fee till Fee from Salary payments instruction EUR 1.45 for a one salary payments instruction or 0.02 percent of the instruction amount EUR 1 for a one salary payments instruction Submission of payment orders / account statements in other format via internet bank EUR 35 per year Money transfer using salary payments instruction to EEA countries EUR 0.39 EUR 0.40

21 Cash Operations Cash withdrawal from the account Fee till Fee from From the bank account in all currencies* 0.8 % of the amount, but min EUR % of the amount, but min EUR 3 *No withdrawing cash fee for paying if closing bank account balance is EUR 3 or less; If the customer is willing to withdraw from the account more than EUR or an equivalent in other currency, he must order cash 3 business days in advance. Other cash operations Fee till Fee from Verification of coins and notes authenticity and their suitability for circulation irrespective of further operations performed EUR 0.04 per unit Verification notes authenticity and their suitability for circulation irrespective of further operations performed - EUR 0.1 per unit

22 Loans Preparation of documents and execution of agreements Fee till Fee from Loan, overdraft, credit line % of the amount but min EUR % of the amount but min EUR 150 Quick Farmers Credit % of the amount but min EUR % of the amount but min EUR 150

23 Agreement amendment Fee till Fee from Interest rate cut, postponed maturity and increased amount (on total loan amount): Loan, overdraft, credit line % of the amount, but min EUR % of the amount, but min EUR 150 Quick Farmers Credit % of the amount, but min EUR % of the amount, but min EUR 150 Review other provisions of the agreement: Loan, overdraft, credit line % of the amount but min EUR % of the amount but min EUR 150 Quick Farmers Credit % of the amount, but min EUR % of the amount, but min EUR 150

24 Issuing of bank statements Fee till Fee from Consent to subsequent pledge of immovable property provided as collateral to the Bank in favour of other creditor in case of refinansing EUR 120 EUR 150 Other bank statement / consent* On agreed basis, but min EUR 15 per each On agreed basis, but min EUR 30 per each Additional fee for issuing a bank statement / consent at the customer's request within a period shorter than 3 working days EUR 15 per each On agreed basis, but min. EUR 15 per each statement/consent *Bank statements / consents are prepared within 10 working days

25 Leasing Leasing services fees Fee till Fee from Change of agreement or appendixes of agreement, renewal (on customer s request) EUR VAT 0.5 % on the outstanding amount as of the request date, min EUR 150 (+ VAT, in case of Operating Lease) Termination of the financial lease agreement in case the lease term matures in up to 3 months Under the agreement Left unpaid interest Prolongation of agreement (on customer s request) EUR VAT 0.5 % on the outstanding amount as of the request date, min EUR 150 (+ VAT, in case of Operating Lease) Fee for transfer of liabilities EUR VAT 0.5 % on the outstanding amount as of the request date, min EUR 150 (+ VAT, in case of Operating Lease) Luminor Lizingas UAB/ Luminor Bank AB acceptance for additional insurance company - EUR VAT Issuing of documents (proxies, certificates) at the moment of signing the lease agreements Free (first time) Free (first time) Preparation of annual customer s payments- EUR VAT per agreement EUR 15 + VAT for each

26 Fee till Fee from invoices report under concluded agreements Issuing of additional documents (proxies, certificates, duplicates, copies of contract documentation, additional sending of invoices at the request of customer) EUR VAT/ EUR VAT/ EUR VAT per unit EUR 15 + VAT for each Urgent (in 4 hours) issuing of additional documents (proxies, certificates, duplicates, copies of contract documentation and at the request of customer) - EUR 30 + VAT for each Resending of administrative penalties, other documents received in the name of the customer Free EUR 3 + VAT per unit Issuing of sublease documents EUR VAT EUR 30 + VAT for document package for 1 sublessee Submitting VAT invoices - EUR 3 + VAT per unit sending by post, Free by e-pay Courier costs (at customer s request) - Client compensates s, set by service provider Preparation of certificate for audit EUR VAT for each year EUR 30 + VAT

27 Factoring Factoring services Fee till Fee from Agreement fee, amendment of agreement conditions (including adding/removing buyers/suppliers) up to 1 % from factoring limit, min EUR VAT On agreed basis, min. EUR VAT Inclusion / withdrawal of debtors / suppliers (for factoring without recourse) EUR 30 + VAT On agreed basis, min. EUR VAT Setting the buyer's limit/renewal the buyer's limit (by extending the agreement) Upon agreement / EUR 35 / debtor + VAT EUR 45 + VAT per refund Repeated sending of invoices (at the customer's request) - EUR 5 + VAT per unit Refunding for nonfinanced amounts - EUR 10 + VAT per return Presentation of copies of document - EUR 15 + VAT

28 Documentary credits Import documentary credits Fee till Fee from Pre-advice of L/C issue EUR 15 Issue of L/C* EUR 87 EUR 100 Amendment to L/C conditions (for each amendment), L/C cancellation EUR 29 EUR 30 Payment under documents EUR 40 EUR 60 Deferred payment control EUR 25 EUR 30 L/C cancellation or non-utilization EUR 25 EUR 30 Preparation of inquiry or information at the customer's request EUR 18 EUR 20 Preparation of a draft letter of credit or deal structure On agreed basis, min EUR 43 On agreed basis, min EUR 45 Advice of discrepancy by SWIFT (paid by L/C beneficiary) - EUR 25 *If a documentary credit issued is not fully secured by cash collateral, commission for the Bank's commitment is calculated additionally.

29 Export documentary credits Fee till Fee from Pre-advice of L/C EUR 15 Advice of L/C EUR 28 EUR 30 Advice of amendment to L/C conditions (for each amendment) EUR 28 EUR 30 L/C transfer 0.2 % of the transfer amount, min EUR % of the transfer amount, min EUR 150 Pre-checking of documents (for each set of documents) up to 5 documents in the set -EUR 30, more than 5 documents in the set - EUR 40 up to 5 documents in the set -EUR 30, more than 5 documents in the set - EUR 45 Taking up/checking of documents (for each set of documents)* 0.15 % of the amount, min EUR % of the amount, min EUR 70 Preparation of inquiry or information at the customer's request EUR 18 EUR 20 Advice of customer's obligation to assign proceeds EUR 43 EUR 45 Return of unpaid documents EUR 29 EUR 30 Checking of documents substituted under a transferable letter of credit EUR 28 EUR 30 Preparation of a draft letter of credit or deal structure On agreed basis, min EUR 43 On agreed basis, min EUR 45 Fees for customers of other banks: -

30 Fee till Fee from Advice of L/C - EUR 100 Advice of amendment to L/C conditions (for each amendment) - EUR 100 Taking up/checking of documents (for each set of documents) %, min EUR 200 Payment under documents %, min EUR 100 Deferred payment control - EUR 50 Return of unpaid documents - EUR 100 Documentary collection Documentary collection Fee till Fee from Advice of collection EUR 23 EUR 25 Protest EUR 72 and notary's fees EUR 100 and notary's fees Preparation of inquiry or information at the customer's request EUR 18 EUR 20

31 Bank Guarantee Bank guarantees (indemnities) Fee till Fee from Guarantee (indemnity) issuance, increase of its amount*: up to EUR EUR 60 up to EUR (previous - up to EUR ) EUR 85 EUR 85 EUR 2500 and above (previous - EUR 2900 and above) 0.5 % of the amount***, min EUR % of the amount, min EUR 100 (if not covered by cash collateral - max EUR 160) Guarantee (indemnity) issuance at the request of another bank - EUR 250 and commission for the bank's commitment Urgent issue/amendment of a guarantee (indemnity)** Guarantee (indemnity) issuance/amendment fee and EUR 43 Guarantee (indemnity) issuance/amendment fee and EUR 50 Cancellation of an application for guarantee (indemnity) issue/amendment EUR 30 Transfer of request for payment under guarantee (indemnity) EUR 58 and documents handling, sending by courier in Lithuania fee EUR 55 and documents handling, sending by courier in Lithuania fee Preparation of inquiry or information at the customer's request EUR 18 EUR 20

32 *In case of increase of guarantee (indemnity) amount, the fee is calculated on the amount by which that guarantee (indemnity) is increased. No fee for amendment to the guarantee (indemnity) is d additionally. If a guarantee (indemnity) issued is not fully secured by cash collateral, commissionfor the Bank's commitment is calculated additionally. In certain cases (for issue of a guarantee in non-standard wording or other language and the like) a higher fee may be d on the agreed basis. The Bank does not pay any interest for funds reserved as cash cover. **Urgent guarantee (indemnity) is issued or amended within one working day from the moment of submitting the application filled in correctly and signed properly with the Bank. When submitting the application, all of the conditions for guarantee (indemnity) issue or amendment shall be met. ***In case of guarantee (indemnity) issuance under financial liabilities limit agreement, max EUR 160. Integrated payments solution Integrated payments solution Fee till Fee from Notifications sending EUR 0.05 Statement sending EUR 0.32 Statements and notifications sending - EUR 30 / month

33 File-transfer Services Sending account information via SWIFT within Luminor group banks and partner banks* till to other banks till within Luminor group banks and partner banks* from to other banks from Service activation Free of EUR per account Free of EUR 50 Sending account statement (MT 940) Free of EUR per account / month Free of EUR 30 per account / month Sending account balance report (MT 941) Free of Free of EUR 20 per account / month *Luminor group banks: Luminor Bank AS, Latvia (BIC: RIKOLV2X); Luminor Bank AS, Estonia (BIC: RIKOEE22). Partner banks: DNB Bank ASA, Norway (BIC:DNBANOKK); DNB Bank ASA, SHANGHAI Branch, China (BIC: DNBACNSHXXX); DNB Bank ASA, FILIALE DEUTSCHLAND, Germany (BIC:DNBADEHXXXX); Bank DNB Polska S.A., Poland (BIC:MHBFPLPW); DNB Bank ASA, FILIAL AF DNB BANK ASA, NORGE, Denmark (BIC:DNBADKKXXXX); DNB Bank ASA, FILIAL FINLAND, Finland (BIC:DNBAFIHXXXX); DNB Bank ASA, LONDON Branch, United Kingdom (BIC:DNBAGB2LXXX); DNB Bank ASA, FILIAL SVERIGE, Sweden (BIC:DNBASESXXXX); DNB Bank ASA, SINGAPORE Branch, Singapore (BIC:DNBASGSGXXX); DNB Bank ASA, NEW YORK Branch, United States (BIC:DNBAUS33XXX); DNB LUXEMBOURG S.A., Luxembourg (BIC:UBNLLULLXXX); Norddeutsche Landesbank Girozentrale, Germany (BIC:NOLADE2H).

34 Sending payment initiation via SWIFT within Luminor group banks and partner banks* till to other banks till to mother bank from to other banks from Service activation Free of EUR per account Free of EUR 40 per account Receiving of MT 101 maintenance fee Free of On agreed basis Free of EUR 15 per account / month Sending of MT 101 maintenance fee Free of On agreed basis EUR 6 per account / month EUR 15 per account / month Receiving of MT 101 and processing payment According to outgoing payment sprices in branches According to outgoing payment sprices in branches According to outgoing internet payments prices According to outgoing internet payments prices *Luminor group banks: Luminor Bank AS, Latvia (BIC: RIKOLV2X); Luminor Bank AS, Estonia (BIC: RIKOEE22). Partner banks: DNB Bank ASA, Norway (BIC:DNBANOKK); DNB Bank ASA, SHANGHAI Branch, China (BIC: DNBACNSHXXX); DNB Bank ASA, FILIALE DEUTSCHLAND, Germany (BIC:DNBADEHXXXX); Bank DNB Polska S.A., Poland (BIC:MHBFPLPW); DNB Bank ASA, FILIAL AF DNB BANK ASA, NORGE, Denmark (BIC:DNBADKKXXXX); DNB Bank ASA, FILIAL FINLAND, Finland (BIC:DNBAFIHXXXX); DNB Bank ASA, LONDON Branch, United Kingdom (BIC:DNBAGB2LXXX); DNB Bank ASA, FILIAL SVERIGE, Sweden (BIC:DNBASESXXXX); DNB Bank ASA, SINGAPORE Branch, Singapore (BIC:DNBASGSGXXX); DNB Bank ASA, NEW YORK Branch, United States (BIC:DNBAUS33XXX); DNB LUXEMBOURG S.A., Luxembourg (BIC:UBNLLULLXXX); Norddeutsche Landesbank Girozentrale, Germany (BIC:NOLADE2H).

35 Visa Business Electron Other card fees and services Fee till Fee from Granting of a nonstandart limit on ATM cash withdrawal and payments for goods/services* EUR 30 EUR 10 *Non-standard limit requires use of service Safe card. Limits Limits till Limits from Number of cash withdrawal operations 10 Unlimited A cash withdrawal or payment transaction performed is not deducted from the used day limit before 25 hours from execution thereof.

36 Visa Business Other card fees and services Fee till Fee from Granting of a nonstandart limit on ATM cash withdrawal and payments for goods/services* EUR 30 EUR 10 *Non-standard limit requires use of service Safe card. Limits Limits till Limits from Number of cash withdrawal operations 10 Unlimited A cash withdrawal or payment transaction performed is not deducted from the used day limit before 25 hours from execution thereof.

37 Virtualioji ERA (Master Card) (From are not issued) Other card fees and services Fee till Fee from Granting of a nonstandart limit on ATM cash withdrawal and payments for goods/services* EUR 30 EUR 10 *Non-standard limit requires use of service Safe card.

38 Interest rates Term deposit under agreement concluded and Months Days EUR USD NOK GBP ,00 % 0,00 % 0,00 % 0,00 % ,00 % 0,00 % 0,00 % 0,00 % ,00 % 0,60 % 0,60 % 0,00 % ,00 % 0,70 % 0,70 % 0,00 % ,10 % 0,90 % 0,90 % 0,70 % ,40 % 1,00 % 1,00 % 0,80 % ,50 % 1,20 % 1,10 % 0,90 % ,70 % 1,40 % 1,20 % 1,00 % Interest rates valid from Set interest rates for deposits are applicable if investment sum does not exceed EUR or the equivalent to this amount in another currency on agreement date existing rates. If investment sum is bigger than EUR or the equivalent to this amount in another currency, interest rates is not valid and should be agreed separately. Set interest rates for deposits are not applicable for financial institutions. According to the Law on Insurance of Deposits and Liabilities for Investors of the Republic of Lithuania, all deposits up to EUR kept in the Bank are insured by VĮ Indėlių ir Investicijų Draudimas (Deposit and Investment Insurance). Terms and regulations.

39 Investment and ancillary services Trading in debt securities in the secondary market Fee till Fee from When Luminor Bank AB acts as a counterparty free of All transaction fees are included in quoted buy or sell price Trading in exchange-traded funds (ETF) Fee till Fee from EUR 25,000 or equivalent in other currency 0.50% < EUR 25,000 or equivalent in other currency 0.75%, min. EUR 35 or min. USD 40 Trading in exchangetraded funds (ETF) %, min. EUR 35 or min. USD 40 Luminor Bank AB receives inducements (commission) from investments fund managers for the distribution of investment fund units to the clients. The rates of commission received differ by investment fund. For further information on the inducements received and paid by Luminor Bank AB please refer to the document General Information on Inducements available on the website of the Bank at the address The minimum investment amount is EUR 1,000 or equivalent in other currency. *The minimum USD 40 commission fee is d for an order denominated in USD.

40 Trading in other investment funds Fee till Fee from EUR 25,000 or equivalent in other currency 0.70% EUR 2,500 24, or equivalent in other currency 1% < EUR 2,500 or equivalent in other currency 2% Subscription of equity and mixed investment funds - 1% (min. 15 EUR / 20 USD) Subscription of bond investment funds - 0.4% (min. 15 EUR / 20 USD) Transaction fee for transfer (sale) of investment fund units EUR 15 or USD 20* Transaction fee for transfer (sale) of equity and mixed investment fund units - 1% (min. 15 EUR / 20 USD) Transaction fee for transfer (sale) of bond investment fund units - 0.4% (min. 15 EUR / 20 USD) Luminor Bank AB receives inducements (commission) from investments fund managers for the distribution of investment fund units to the clients. The rates of commission received differ by investment fund. For further information on the inducements received and paid by Luminor Bank AB please refer to the document General Information on Inducements available on the website of the Bank at the address The minimum investment amount is EUR 1,000 or equivalent in other currency. *The USD 20 transaction fee is d for an order denominated in USD.

41 Quarterly custody fee Fee till Fee from Securities with ISIN code starting with LT: %, min EUR 1 > EUR 250,000 or equivalent in other currency 0.01% EUR 250,000 or equivalent in other currency 0.02%, min EUR 1 Securities with ISIN codes starting with LV, EE, US, GB, IE, DE, AT, FR, ES, BE, NL, LU, NO, SE, DK, EU, XS: %, min EUR 1 > EUR 250,000 or equivalent in other currency 0.015% EUR 250,000 or equivalent in other currency 0.02%, min EUR 1 Custody fee is calculated as a percentage of the nominal value for debt securities and derivatives, as a percentage of the market value for equities and ETFs, as a percentage of the net asset value for other investment funds. More information on calculation of the custody fee for transferable securities is available here.

42 Powered by TCPDF ( Security transfers Fee till Fee from Delivery-versuspayment transfer: When transaction is made with Luminor Bank AB free of EUR 15 *Including a transfer of securities from the financial instruments account of one client to the financial instruments account of another client within bank executed as a result of donation purchase and sale, exchange of securities (applied to each counterparty), etc. Other services Fee till Fee from Transfer of securities from the financial instruments account of one client to the financial instruments account of another client within bank executed as a result of inheritance EUR 15 EUR 5 Pledge, substitution and release of collateral securities EUR 30 EUR 15