ProCredit Bank d.d. Sarajevo Franca Lehara bb Sarajevo INFORMATION SHEET BAM accounts transactions ( Active service )

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1 ProCredit Bank d.d. Sarajevo Franca Lehara bb Sarajevo INFORMATION SHEET BAM accounts transactions ( Active service ) 1. A BAM Account Transactions Agreement (Active service) constitutes an agreement that covers the opening and administration of transaction and on-demand savings accounts, and provision of the following services related to such accounts: - issuing a debit card; - using e-banking services (ProB@nking); - carrying out transactions through these accounts within the limits of available funds, and - flexi savings, i.e. on-demand savings. A requirement for entry into a BAM Account Transactions Agreement ( Active service ) to open a transaction account in which continued inflows of monthly Customer income will be received. The Active service maintenance fee covers 20 free-of-charge national payment transactions per month, carried out via the ProB@nking application. 2. Transaction and savings accounts may be opened by domestic and foreign private individuals who can also use other services provided under the BAM Account Transactions Agreement (Active service) The Customer shall open the Transaction account to receive regular cash incomes and carry out payment transactions The Customer shall open the On-demand savings account (flexi savings) for deposits of and unrestricted disposal with available funds, for an agreed-upon term, with a fixed interest rate and possibility of automatic extension of savings. Upon expiry of the agreed-upon term, the on-demand savings account shall be automatically extended for same period of time, in accordance with the interest rate applicable as of the date of extension of the term for the on-demand savings account. The savings account shall be re-extended pending the receipt by the Bank of the Customer s written notification that they wish to close down the savings account. In cases of changes related to interest rate amounts, the Bank shall undertake to notify the Customer by way of one of the agreed methods of notification, not later than 15 (fifteen) days prior to expiry of the initially agreed term, and provide a 30-day deadline for the Customer to supply their statement as to whether they wish to continue to use this service. The notification shall contain current terms to be applied to the renewed (extended) validity of the savings account Debit card shall be issued by the Bank on request of the Customer and used for payment of goods and services in the country and abroad, and withdrawals of cash at the ATMs, up to the amount of funds available at the opened transactions and savings accounts. When the debit card is used abroad for cash withdrawals or purchases, such transactions shall be converted from the foreign currency in which the payments were made to EUR according to the exchange rate of the MasterCard International card organizations, and then to local currency, in accordance with the exchange rate of the card issuing bank. The amount of exchange rates of the international card organizations is beyond control of the Bank. Due to multiple changes of the international system exchange rates within a day s time, the exchange rates applied for transactions executed within the same day may differ. The current exchange rates of card organizations are available for card users at the following web page: A debit card shall have validity term of 3 years and shall be valid until the last day of the month noted on the card as its expiration date. Re-issuing (issuing of a new payment card upon expiry of its validity) shall not be automatic and shall not be made without a written application submitted by the Customer. The Bank shall notify customers on the approaching expiry date for their cards via the ATM or via the telephone. For purposes of mitigation of the risk of card abuse, the Bank has set up a daily limit in terms of number and amount of cash transactions. The daily limit for cash withdrawals at the ATM is BAM 1,000, and maximum number of withdrawals at the ATM is 5 per day. A query on account balance shall also be regarded a transaction and shall be free of charge. Maximum number of non-cash transactions is 10 per day, and daily limit for non-cash transactions is BAM 2, ProB@nking involves using the electronic banking services for purposes of a faster, more effective and less costly effecting and viewing of financial transactions and balances in the accounts held with the Bank, without having to come to the Bank, online, using the ProB@nking application, with an allocated identification device, the so called TOKEN.

2 The Customer may transfer funds and make payments within the country, fast and simple, at any of the business units of the Bank. All payment orders received by 12:00 a.m. shall be effected on the same day. Orders for amounts exceeding BAM 10,000 and orders marked as urgent shall be accepted until 02:45 p.m. and effected immediately, without delay. Any orders received after such cut-off times shall be effected on the following business day. Electronic orders shall be accepted for 24 hours, and effected in accordance with the above cut-off times. Intra-bank transactions shall be accepted and effected on the same banking day. 3. Opening an account The Bank shall open accounts that are part of this service, provided the private individual has submitted the following documents: for domestic private individuals (residents) an Application for opening current and savings accounts, issuing debit card and using services, completed properly and signed by the private individual (a Bank s form) an identification document containing a photo (a copy certified by a competent authority) CIPS (registration of place of residence) for foreign private individuals (non-residents) an Application for opening current and savings accounts, issuing debit card and using ProB@nking services, completed and signed by the private individual (a Bank s form), a passport, certified by a competent authority and translated to one of the official languages in BiH a document containing an address (temporary or permanent) of the non-resident a Declaration of no accounts restricted from funds disposal (a Bank s form) 4. The agreement shall not require an obligation to use notary services, or an obligation of entry into agreement on lateral obligations. 5. The Bank shall have the right to decline an application for establishment of contractual relationship without having to provide specific reasons for such decision. 6. The following internal acts of the Bank have been made available at the business units and at the web page: General Terms of Business for each individual service within the BAM Account Transactions Agreement ( Active service ), and Bank Rates. 7. A monthly fee charged for services provided under the BAM Account Transactions Agreement ( Active service ) has been defined under the Bank Rates that have been made available on the Bank s premises and at its web page: 8. Fees charged for maintenance and administration of accounts and provision of Bank s services are variable and depend on the expenditures of utilized materials, external and human resources of the Bank required for carrying out of the services, as well as on the annual rate of inflation according to the official information published by the Agency for Statistics of BiH. Customers shall be notified of changes to the Bank Rates by one of the agreed methods of notification, 30 days prior to commencement of application of such changes; the Bank Rates shall be made available on the business premises of the Bank and its web page: 9. No interest shall accrue on the funds kept in the current account. The Bank shall calculate and pay fixed monthly interest for the funds held in the on-demand savings account, that shall be accrued daily, by means of the simple calculation method based on 365/actual number of days (i.e. a year days and a month actual number of days of the month). 10. In case of delays in settlement of agreed liabilities, the Bank shall calculate a default interest on the outstanding amount in accordance with the Law on Amount of Default Interest Rates of FBiH which equals 12% per annum as of the date of issue of this Information Sheet, and the Law on Amount of Default Interest Rates of Republika Srpska comprising, as of the date of this Information Sheet, the rate of rise in consumer prices for the period of calculation of default interest rates, which is variable, and a fixed rate of 0.5% per day.

3 11. The Bank shall calculate and disclose the Effective Interest Rate as defined under the Decision on Uniform Method of Calculation and Disclosing of EIR: Product type FlexSave 0.40 % Annual interest rate Amount of savings NIR EIR Savings /Interest 10, % 0.40% BAM 10,040 (BAM 10,000 + BAM 40) A representative example 12. Pursuant to the Deposit Insurance Law, the amount of insured deposit, as of the date of entry into this agreement amounts to BAM 50,000 for an individual depositor. Any amendments to the Law pertaining to the insured deposit and the amount of insured deposit shall apply to this Agreement without making separate annexes thereto. 13. The Customer shall be entitled to receive a free copy of draft agreement for review outside of the premises of the Bank, unless the Bank should decide it does not wish to establish a contractual relationship with the Customer. 14. The Bank shall close the account free of charge, based on a request from account holder, accompanied by required documents, with mandatory settlement of due unsettled liabilities by parties. Exceptionally, in case of absence of any activity in the account involving depositing or withdrawing of funds initiated by the Customer, legal representative or another authorized person for a period of one year following most recent activity, the Bank may declare the account as inactive and close it due to inactivity, as provided under positive law and bylaws, and internal acts of the Bank. 15. The terms defined under this Information Sheet shall be applicable for a maximum of 15 days upon issuing thereof. 16. Depending on the type of service used, the Bank shall calculate and charge the following commissions and fees: 1 Active service includes: 1.1 BAM current account (EUR currency optional) 1.2 FlexSave on-demand savings, with 0.40% annual interest rate 1.3 Contact-free debit card 1.4 Electronic banking/mobile banking 1.5 SMS banking A total of 20 free-of-charge transfers in individual amounts of up to BAM 10,000 in BiH, or BAM-EUR conversion A total of 3 per month free-of-charge withdrawals of cash at ATMs of any bank in BiH (for MasterCard holders) 1.8 FlexFund overdraft with 6% annual interest rate Monthly fee BAM 10

4 2 Name of service Transactions with BAM currency Fee charged per transaction ProBanking / ATM Transfers between client s accounts within ProCredit Bank BiH BAM Transfers in individual amounts of up to BAM 10,0000 in BiH BAM Transfers in individual amounts exceeding BAM 10,000, and urgent transfers BAM Payments and withdrawals of cash from the account BAM 0 Transactions with foreign currencies 3 Name of service Fee charged per transaction ProBanking / ATM Incoming payment to FX accounts BAM BAM EUR conversion (over 20 free-of-charge as part of the Active service) 1% 3.3 Payments and withdrawals in EUR BAM ProPay (transfers within ProCredit Group) BAM Transfers through BEN or SHA option BAM Transfers through OUR option BAM Change of transfer instructions BAM 20 + foreign bank costs 3.8 FX current account maintenance (beyond the Active service) BAM 5 Debit cards 4 Name of service MasterCard Visa 4.1 Issuing additional debit card, or temporary debit card replacement BAM Withdrawal of cash from ATMs of other banks in BiH BAM 2 2% min. BAM Withdrawal of cash from ATMs / POS terminals abroad 2% min. BAM Unjustified refund claim BAM 50 5 Name of service Lending services 2 Fee by loan type FlexFund Investment loan Housing loan 5.1 Loan processing 0% 1% 0.50% 5.2 Modification of terms and conditions of a loan BAM Issuing Bill of Exchange BAM 5 per Bill of Exchange 5.4 Early loan repayment According to the relevant Entity-level regulations 5.5 Costs of registration, modification, or removal of pledge BAM 25 1 Cash transactions and transactions through paper orders are not possible. 2 The charge card service was removed from the ProCredit Bank's loan offer for new clients on 15 June 2017.

5 Other services 6 Name of service Amount of fee 6.1 Account statement printed at the Bank BAM Certificate from the Central Registry of Credits / Single Registry of Accounts BAM Issuing additional or early re-issuing of ProBanking token BAM Issuing certificate of outstanding debt BAM Issuing other certificates, permits, and approvals BAM Implementing Decisions, Bills of Exchange and other orders from government bodies Administration of savings and current accounts not included in the Bank's current offer 1% (min. BAM 30 KM - max. BAM 300) BAM 10 Received on (date and place): Signature of Customer: