CORPORATE CUSTOMER'S TERMS & CONDITIONS

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Mervin Dickerson
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1 PROUCTS & SERVICES ALL EUR US GBP CHF Account Opening Initial deposit and minimal balance no minimum Account maintenance (Monthly) Account statements (Monthly) - at the bank's counters( period less than 1 Year) - at the bank's counters( period more than 1 Year) sent via fax - sent via mail Swift and Statement via E-mali Account closing EUR 2 /page EUR 1 EUR 5 Account Opening ALL EUR US GBP CHF Cash deposits (all currencies) CASH deposit in the Corporates accounts from third parties Payments of Telecom, Vodafone, KESH, etc, invoices Payments performed from third parties in favor of Saving & Lending Companies* Premium payment in favor of insurance companies ** ** For premium payment, the commission will be deducted from the premium amount and the insurance company's account will be credited for the premium amount minus the respective commission. For certain insurance companies preferential commissions can be applied CASH deposits in favor of third parties eposit in EUR Coins eposit in ALL Coins 1 all (equivalent in eur) / blanks of coins (1blank of coins = 5 coins) 17 all / blanks of coins (1blank of coins = 5 coins) Cash withdrawals: a) Same value date (): - 15, Eur (equivalent in other currencies) 15,1-3, Eur (equivalent in other currencies).1% min Eur 1 - max Eur 5 b) Next business day after notification (+1): 15, - 3, Eur (equivalent in other currencies) 3,1-25, Eur (equivalent in other currencies).1% of the amount max Eur 2 c) Two business days after notification (+2): 3,1-25, Eur (equivalent in other currencies) Cash Withdrawal > 25, Eur Cash Collection flat fee of Eur 25 negotiable amaged Banknotes Acceptance -Sent for evaluation to the Bank of Albania/ to foreign banks outside the country 5% of the evaluated amount IV. EPOSITS ALL EUR US GBP Minimum Balance 1,, 1, 1, 1, Maintenance commission T Breakage before maturity date - In case has not passed 5% of deposit term -In case has passed 5% of deposit term 7% of benefited interest up to the date of T breakage 5% of benefited interest up to the date of T breakage V. PAYMENTS Payments in the Bank Branches: LOCAL CURRENCY FOREIGN CURRENCY ALL EUR US Other FCY Incoming Payments - Sender's account within RBAL - Sender's account in other bank.15% [min. 1 ; max. 8 ].15% [min.15 ; max 11].15% [min. 1,2 ALL ; max. 1, Outgoing Payments* - Beneficiary's account within RBAL Beneficiary's account in other bank.33% [min. 5 ; max. 1,5].2% [min.15 ; max.15].2% [min 2 ; max. 2].2% [min 2, ALL ; max. 2, ALL] SWIFT/payment 1 EUR 1 US 1, ALL Urgency fee/payment 1,5 ALL 2 EUR 25 US 2,5 ALL * Note: For the following industries, Raiffeisen Bank Sh.A can not process their outgoing payments, based on the Group policies and the Correspondents Bank with which RBAL operates. Industries: -Foreign exchange, Payment Provider - Companies that have as activity: Adult entertainment - Companies that have as activity: Producing, Assembling or Trading Arms. Periodic Payments irect ebit( Payments in Favour of Utilities Payments) Investigation Fees Outgoing Payment amendment fee 2, 4 Payment investigation fee (if customer requests it) 1, 3 Payment return fee Incoming Payment amendment fee 2 Payment investigation fee (if customer requests it) 15 Payment return fee 1, 2, ALL For payments with charges option "OUR", in addition to the above fees, as per notification from as per notification from correspondent 35 EUR/payment 25 US/payment correspondent banks' expenses will be applied (if any) correspondent banks banks Payments with Raiffeisen Bank Kosovo Incoming EUR 1 Outgoing EUR 1 For payments with charges option "OUR", in addition to the above fees, will be applied the commision EUR 1 Payments with Raiffeisen Network Banks Outgoing and Incoming Payments (EUR) 2% of the agreed price with the customer Notice: Please see ANNEX for Cut-off times and Value ates! Payments in Electronic Channels ALL EUR US OTHER FCY Beneficiary's account within RBAL Beneficiary's account in other bank (within Albania) equivalent in other currencies Beneficiary's account in other bank (International, outside Albania) Eur.1% (min 8 - max 75) Usd.1% (min 1 - max 1) equivalent in other currencies VI. SWIFT MESSAGES MT 94/941/942 aily transmission Weekly transmission Monthly transmission MT 11 CORPORATE CUSTOMER'S TERMS & CONITIONS I. CURRENT ACCOUNT II. ESCROW ACCOUNT III. CASH TRANSACTIONS FEES & COMMISSIONS (charged in equivalent of respective account currency).1% min EUR 5 Max 2' /Year EUR 3/account EUR 2/account EUR 15/account

2 Service agreement Monthly maintenance fee Note: Maintenance fee will charged every last day of month Chequebooks (1 pieces) In local currency (Lek) Issuance of bank draft Acceptance: - own cheques - other cheques Collection In foreign currency: Issuance of bank draft Acceptance: - own cheques - other cheques Collection Sale of Traveller's cheques Purchase of Traveller's cheques ALL US EURO Installation commission 3, Maintance monthly commission Re-installation commission 1, Additional new user commission 1, ALL US EURO ELECTRONIC BANKING -RAIFFEISEN ON Package No 1/Raiffeisen On (2 Inputter +2 authorizers): ALL US EURO Other Currencies in EUR Registration Fee 4, Mainteinance monthly commission 1, New authorizer 2, New Inputter Hardware 9, Package No 2/Raiffeisen On (1 users): ALL US EURO Other Currencies in EUR Registration Fee 9, Mainteinance monthly commission 1, New authorizer 2, New Inputter Hardware 9, IX. VISA Electron EBIT CAR Monthly Commission Card delivery charge New card issued by Bank Normal card renewal Card reprint by customer request Reprint of lost/ stolen/ damaged card PIN delivery charge First new PIN issued by Bank Customer request for PIN reprint or new PIN Transaction fees Cash Withdrawals Cash withdrawal on RBAL ATM Cash withdrawal at RBAL counter (Manual Cash) omestic cash withdrawal at not RBAL ATM omestic cash withdrawal at not RBAL counter (Manual Cash) International cash withdrawal at ATM International cash withdrawal at Counter (Manual Cash) Balance Enquiries at ATM Balance Enquiry on RBAL ATM omestic Balance Enquiry at not RBAL ATM International Balance Enquiries Purchases paid by card at Point of Sale (POS) At RBAL Point of Sale (POS) omestic at not RBAL Point os Sale (POS) At International Point os Sale (POS) Action Fees Annual fee for the main card Annual fee for the supplementary card Permanent card blocking fee at customer request (card closure) Permanent card blocking fee for lost/ stolen/ damaged cards Temporary card blocking (includes unblocking of the card) Card Limits Total withdrawal value per day for cash withdrawals Total withdrawal value per week for cash withdrawals Total withdrawal value per month for cash withdrawals Total no. of transactions per day for cash withdrawals Total no. of transactions per week for cash withdrawals Total no. of transactions per month for cash withdrawals Total transaction value per day for Cash Withdrawals + POS Total transaction value per week for Cash Withdarawals + POS Total transaction value per month for Cash Withdarawals + POS Total no. of tranasctions per day for Cash Withdrawals + POS Total no. of tranasctions per week for Cash Withdrawals + POS Total no. of tranasctions per month for Cash Withdrawals + POS SWIFT irect ebit ( Utility Companies) SWEEP Bank confirming fo Banking activities Bank opinion/ Letter of recommendation Postage Courier Reporting from Cash Management (for product/service depending from the request) Confirmation Fees for audit issues VII. CHECKS ALL 5.15% min. EUR 2, max. EUR 5.15% min. EUR 2, max. EUR 3.1% min.eur 2, max. EUR 3.15% min.eur 2, max EUR 2.3% min. EUR 2, max. EUR 2.3% min EUR 8, max. EUR 25 1% min. EUR 1.5 1% min. EUR 1.5 Note: Cheques in currencies other than EUR and US, can be paid out in EUR as per the exchange rate used by our correspondent bank, or in original currency. In case the customer requires the cheques to be paid in original currency, besides the above listed, the customer must bear the HL charges of EUR 5. Note: cheques in foreign currency with amounts equal or above US 1, or EUR 8, (or equivalent) are received only for collection. VIII. ELECTRONIC BANKING ELECTRONIC BANKING - MULTICASH X. MISCELLANEOUS EUR 15 EUR 1 ALL % (Min. 3) 2.75% (Min. 4) 2% (Min. 3) 2.5% (Min. 5) % , (4 X aily Limit) 1,6, (16 X aily Limit) 1 5 (5 X aily Limit) 2 (2 X aily Limit) 3 1,2, (4 X aily Limit) 4,8, (16 X aily Limit) (5 X aily Limit) 34 (2 X aily Limit) EUR 1 5 ALL/Succesful transaction EUR 1 EUR 5 Other Currencies Other Currencies

3 -Confirmation via mail (National) -Confirmation via mail (International) 15 EUR including post mail charges (equivalent in other currencies) 15 EUR Plus post mail charges (equivalent in other currencies) ANNEX Time Processing (ebiting of Customer's account) Value ate (Crediting of Beneficiary's account) Outgoing payments within Raiffeisen Bank, Albania Outgoing payments in Foreign Currency Outgoing payments within Raiffeisen Bank, Albania (electronic p/o) Outgoing payments in foreign currency abroad (electronic p/o) Incoming Payments 1-LC Preparation 1.1-Pre-advise (Notification) 1.2- Customer Advise 1.3- Preparation of raft (for each transaction that is finalized) 2-Opening of Letter of Credit Payment under L/C At sight payment 7-Other charges presented by Other Banks 7 8-Swift 8 9-Courier Administration Fee Usage Fee Outgoing payments in other Banks Outgoing payments in other Banks 2.1- Issuing Commission For LC with Validity over 1 year escription of commission a) up to 1,5, ALL b) over 1,5, ALL c) over 3.. ALL up to 15:3 after 15:3 + 1 up to 13: after 13: +1 up to 14:3 after 14:3 + 1 up to 14:3 + 1 after 14:3 + 2 up to15:3 + 2 after 15:3 + 3 up to 16: after 16: a) up to 1,5, ALL up to 13: after 13: +1 b) over 1,5, ALL up to 14:3 after 14:3 + 1 c) over 3.. ALL up to 14:3 + 1 after 14:3 + 2 up to 16: + 2 after 16: up to 16: after 16: XI.LETTERS OF CREIT IMPORT LETTERS OF CREIT Line of the Letter of Credit Euro 2, Euro 1, actual cost Currency.25% of the amount min Euro 1, upfront For LC with Validity less than 1 year.2% of the amount min Euro 7, upfront eferred Payment 3-Amendment of L/C: 3.1 Formal Amendment/Reduction of Validity.35% for each payment, min Euro 7,.3% for each payment, min Euro 7, 1% Negotiable 3% Negotiable Notes: 1.If not otherwise stipulated in the Agreement on opening a Letter of Credit, these fees are charged to the client's account immediately as they arise Paid charges may not be refunded 2. This charge will be applied upfront in case of applicants that are Public Institutions, for all other customers this charge shall be applied per each payment on the date of payment execution. 3..5% of the outstanding amount of LC will be applied in addition to EUR 5, only if in the moment of amendment request the LC is shorter than one year and after the amendment the validity exceeds one year from date of issuance. 4. The recipient of a Letter of Credit is charged for each set of documents with discrepancies that does not conform the L/C terms 5. This charge is applied when the LC expires unutilized. Unutilized amount of L/C is returned to the Client's Account and the charge is calculated on the unutilized amount 6. The bank charges this fee if a client refuses immediate payment of the documents due to discrepancies or if the client has not instructed the bank to send them back to the sender 7. This is applied based on the agreement between applicants and beneficiary and also based on article 37c UCP 6 A bank instructing another bank to perform services is liable for any commissions, fees, costs or expenses ( charges ) incurred by that bank in connection with its instructions. If a credit states that charges are for the account of the beneficiary and charges cannot be collected or deducted from proceeds, the issuing bank remains liable for payment of charges. A credit or amendment should not stipulate that the advising to a beneficiary is conditional upon the receipt by the advising bank or second advising bank of its charges. 8. This charge will be applied in case of LC issuance, amendment, cancellation and payment 3.2 Extension of Validity +.5% of the outstanding amount of LC (including increased amount if required any at the moment of amendment request) in the moment of amendment Increase Amount of L/C Provision for Opening LC on the increased amount min Euro 7, depending on validity of LC from issuance 3.4 Cancellation/Reduction of amount of LC.1% of the cancelled/reduced amount, min. ; max. Euro 1, 4-iscrepancies Fee 4 for each set of documents 5-Non-utilization of L/C 5.1% of the unutilized amount, min. ; max. Euro 1, 6-Charge for unpaid documents kept at Raiffeisen Bank Sh.a longer than one month after presentation date 6 Euro 4, per month 1-Pre-advise (Notification) 2- Advising Charge 1 3- Confirmation Charge 2 4-Amendment of L/C: 4.1 Formal Amendment 4.2 Cancellation 4.3 Increase/ecrease Amount of L/C 4.4 Extension of validity 5-Payment under L/C: 5.1-At sight payment 5.2-eferred Payment 6.Transfer of L/C to a Third Party EXPORT LETTERS OF CREIT.1% of the total LC amount, payable upfront, min. Euro 7,.2% per quarter min (or fraction thereof on the outstanding amount of the LC, at the beginning of each quarter of the year) including deferred payment period Euro 1,.2% for each payment min.2% for each payment min Euro 6,.2% min + swift

4 7.Advise of L/C to a Third Bank 8. Advise of Amendment to a third Bank 9.Advise of request for cancelation to a third bank 1.Swift 11.Courier Notes: 1. These fees are charged to the clients account in the moment of advising Export L/C.Paid charges may not be refunded 2. This charge will be applied at the beginning of each quarter on the following dates 1 Jan, 1 Apr, 1 Jul, and 1 Oct Euro 4, + swift XII. BANK GUARANTEES Commission escription Currency 1. BANK GUARANTEES WITH CASH COLLATERAL 1. Customer Advise 2. Commission of Application, draft (applicable only when the beneficiary is outside of Albania) Euro 1, applicable only when the transaction is finalized 3. Issuing commission - standard text.15% min. max. Euro 15, upfront - nonstandard text.2% min. Euro 7, max. Euro 17, upfront 4. Amendment (is applied for all kinds of amendments) 5. Payment if executed.4% of the amount paid min. Euro 1,; max. Euro 5, 6. Cancellation 2 7. Swift 3 Euro 1, 8. Mail 9. Other Banks Charges 2. BANK GUARANTEES WITH CREIT LINE 1. Customer Advise 2. Commission of Application, draft (applicable only when the beneficiary is outside of Albania) 3. Issuing commission - standard text - nonstandard text 4. Formal Amendment including extension of validity up to one month 5. Increase of the amount 6. Extension of Validity over one month 7. Increase of the Amount and Extension of Validity over one month 8. Payment if executed 9. Cancellation 2 1. Swift Mail 12. Other Banks Charges Administration Fee Usage Fee Penalty in case of payment execution Bank Guarantee Line Euro 15, + swift Euro 4, + swift Euro 1, Notes: 1. Bank Guarantees commissions are applied for all types of Guarantees including Counter guarantees issued by Raiffeisen Bank Sh.a and Stand By Letter of Credit 2. This Commission is applied when the cancellation is initiated by the applicant 3. This commission is applied in the moment of issuance, amendment, cancellation and payment 3. BANK GUARANTEES AVISE WITHOUT RESPONSIBILITY ON RAIFFEISEN BANK SH.A 1. Transmission without responsibility to another Bank Euro 1, 2. Advise without responsibility to the customer Euro 1, 3. Advise of Amendment of Bank Guarantee advised without responsibility to the customer Euro 2, 4. Transmission of Amendment of Bank Guarantee advised without responsibility to another Bank 5. Cancellation 6. Transmission of Cancellation of Bank Guarantee advised without responsibility to another Bank 7. Transmission of Claim for authentication purpose 2 8. Incoming payment from BG Claim transmitted by Raiffeisen Bank for authentication purpose 3 9. Swift 4 Euro 2, applicable only when the transaction is finalized Issuing Commission on the increased amount Issuing Commission on the outstanding amount of the guarantee Issuing Commission on the new amount of the Guarantee Euro 1, 1% Negotiable 3% Negotiable 1. Mail Notes: 1. This fee is applied in both cases when cancelation is initiated by our customer or issuing bank 2. These Commissions are applied also on the cases when the guarantee is not advised through our bank 3. This charge is applied in the case when the account where the funds will be credited, stated in the request for payment transmitted, is held with Raiffeisen Bank Sh.a 4. This commission is applied on each case except the moment of advising the BG to customers 4. BANK GUARANTEES ISSUE AGAINST COUNTER GUARANTEE FROM BANKS 1. Issuing Fee.1% min up front 2. Commitment 1 2% annual of fractions thereof, payable quarterly on the outstanding amount, at the beginning of each quarter 3. Payment if executed.4% of the amount paid min 4. Formal Amendment 5. Cancellation 2 6. Increase amount of BG Issuing Formal fee Amendment on the increased + Commitment amount fee for outstanding amount when 7. Extension of Validity due 8. Swift 3 Euro 1, 9. Mail Notes: 1. This charge will be applied at the beginning of each quarter on the following dates 1 January, 1April, 1July, 1October. The commission will be calculated from the date of issuance the BG up to the date of counter guarantee expiry 2. This charge is applied when it is initiated by the bank that issued the counter guarantee 3. This commission is applied on each case except the moment of advising the BG to customers actual cost.15% min. upfront.25% min. Euro 7, upfront.4% of the amount paid min. Euro 1,; max. Euro 5, negotiable Euro 2, Euro 3, Euro 2, Euro 2, Euro 3, Euro 1, 1. elivery of ocuments 2. Incoming payment for accepted documents 3. ocuments Returned unpaid by Collecting Bank 4. ocuments returned as per applicants request 5. Swift 1 XIII.OCUMENTARY COLLECTION Commission escription 1. EXPORT OCUMENTARY COLLECTION 6. Courier Notes:1. This Commission is applied in case of delivery of documents and payment 2. IMPORT OCUMENTARY COLLECTION Amount of Commission.15% min. max. Euro 4,.15% of the amount that appears on the cover letter, min. max. Euro 1, Euro 4, Euro 1,

5 1. Notification of the customer for documents received by the bank 2. Payment of documents accepted by our customer 3. Return of documents after customer refusal 4. Return of documents after request of the remitting bank 1 5. Swift 2 6. Courier Notes:1. This commission is charged to the remitting bank 2. This commission is applied in any case except when the customer is notified for the documents received by the bank Commissions are nominated in EUR and will be calculated in the respective currency applying the mid-rate of Raiffeisen Bank Sh.a the date that is applied..15% min. max. Euro 3,.2% min. max. Euro 4, Euro 1, XIV. LOAN TERMS TL O Tenor months 12 months Amount no limit no limit Currency ALL, EUR, US ALL, EUR, US 12 month not less than 1, EUR ALL, EUR, US Multipurpose Interest Rate Administration fee TRIBOR 1 / EURIBOR 2 / LIBOR 3 + margin 4 per year (minimum rate is negotiable).5% - 1% of disbursed amount TRIBOR / EURIBOR / LIBOR + margin per year (minimum rate is negotiable).5% - 1% of disbursed amount LC/BG Commission Line Commitment fee Penalties Early repayment fee 1% of the unused amount Interest Rate plus 5% -1% of past due amount 3-5% of the prepaid principal amount 1% of the unused amount Interest Rate plus 5% -1% of past due amount 3-5% of the prepaid amount 4. Interest margin is expressed in percentage and is negotiable case by case. It is added to the Interest Base RatesTribor/Euribor/Libor TRIBOR / EURIBOR / LIBOR + margin per year (minimum rate is negotiable).5% - 1% of disbursed amount 2% - 4% of used amount of the BG/LC line, per year 1% of the unused amount Interest Rate plus 5% - 1% of the past due amount 3-5% of the prepaid limit amount 1. TRIBOR is the Inter Bank Offered Rate for LEK which is quoted from the Bank of Albania (BoA) and is published on bussines daily basis on 11. am (Albanian time). 2. EURIBOR is the Inter Bank Offered Rate for EUR which is quoted from the European Banking Federation (EBF) and is published on business daily basis on 11. am (Belgium time). 3. LIBOR is the Inter Bank Offered Ratea for US which is quoted from British Bank Association and is published on buisness daily basis on 11. am (London time) XV. BUSINESS CREIT MASTERCAR CHIP REVOLVING A. Card Issuing fee 1. MasterCard Free of charge B. Annual membership fee on each supplementary card issued MasterCard- Corporate and SE companies (4 days after service creation) 15 EUR / 2, ALL C. Payment card transactions 1.Payments with card in omestic POS Network 5. eliv.card Abroad Courier EUR 1; ALL eliv Pin Abroad -Courier EUR 1; ALL 14 Corporate IR Standard Free of charge 2. Payments with card in International POS networks 3.1Manual Cash ATM* on us. Other Services E. Interest Rate Applied Eur 3 ;All 5 3.2Manual Cash ATM omestic* Eur 5:All Manual Cash ATM International* Eur 8; All Manual Cash Advance* (POS) on us Eur 3 ;All Manual Cash Advance* (POS) omestic Eur 5:All Manual Cash Advance* (POS) International Eur 8; All 1 * Maximum 1% of the limit daily,2% weekly, 3% monthly for both POS and ATM 1. Reissuing PIN upon client's request EUR 5; ALL 7 2.Card replacement- upon client's request EUR 8; ALL 1 3. Temporary Block Including Unblock EUR 3; ALL 5 4. elivery Card Customer Request EUR 5; ALL 7 Penalty Interest Corporate Corporate Minimum Payment 2% (of the outstanding balance+ unpaid minimum payment of previous period) 14% EUR / 17%ALL 2% EUR / 23% ALL

CORPORATE CUSTOMER I. CURRENT ACCOUNT FEES & COMMISSIONS II. ESCROW ACCOUNT

CORPORATE CUSTOMER I. CURRENT ACCOUNT FEES & COMMISSIONS II. ESCROW ACCOUNT CORPORATE CUSTOMER Companies with yearly turnover over 5 milion (or the equivalent in other currencies)* I. CURRENT ACCOUNT FEES & COMMISSIONS Account Opening Initial deposit and minimal balance no minimum