INFORMATION SHEET CONTRACT OF ORDINARY CURRENT ACCOUNT FOR NON CONSUMERS IN EURO AND FOREIGN CURRENCY
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1 INFORMATION ON BANK Banco do Brasil AG Succursale in Italia Milan: Via Dante, Milan (MI) - Tel Fax: milao@bb.com.br ; website: Number of entry in the Register of Banks at the Bank of Italy: 5767 DESCRIPTION OF CURRENT ACCOUNT The current account is a contract whereby the bank provides cashier services for the customer, keeping its savings and managing the money with a range of services (deposits, withdrawals and payments within the limits of available balance). Other services can be linked to the current account, such as debit card, credit card, cheques, bank transfers, direct debits, credit facilities. Particularly relevant for companies are the cash management services, e.g. the reporting on the accounts and the collection and payment transactions management. Cash management services can be used by operators both resident and non-resident, as an example by company headquarters for the relationships with affiliates in Italy or by Italian Companies having foreign commercial relationships or investments. In the execution of cash management services specific communication channels may be involved, for instance SWIFT or the Internet networks, through which communications and instructions can be exchanged between the customer and the bank. Through the cash management services companies meet their need for liquidity management through the monitoring of balances and movements of all active accounts, repatriation or resetting of account balances with centralization on a dedicated account and execution of the payment instructions. Under the risk profile, the current account is a safe product. The main risk is the counterparty risk, that is the possibility that the Bank is unable to refund the available balance to the account holder, in whole or in part. For this reason, the bank adheres to the Austrian deposit guarantee scheme named Einlagensicherung der Banken und Bankiers GmbH ; which guarantees each current account holder up to EUR ,000 Other risks may be associated with the loss or theft of cheques, debit card, credit card, identification data and passwords to access to the account on the internet, but these risks may be minimized if the account holder follows the common rules of prudence and caution. The main potential risk linked to the cash management services is the network and communication channel security. To learn more: Please refer to the Practical Guide to the current account, which guides the choice of the type of account; it is available at as well as on the bank's website / milao and at all branches of the bank. Pag. 1 a 10
2 MAIN FINANCIAL CONDITIONS FOR NON CUNSUMERS: HOW MUCH THE CURRENT ACCOUNT CAN COST Synthetic Indicator of Cost (ISC-Indicatore Sintetico di Costi) PROFILE BRANCH ONLINE Ordinary Current Account in Foreign USD 243,00 Ordinary Current Account in Euro EUR 243,00 In addition to these costs, it is necessary to consider the stamp duty enforced by law (100,00 euro for legal persons) and any credit and/or debit interest accrued on the account and account opening expenses. The costs shown in this table are indicative guidelines regarding current accounts without credit facility. To learn more please visit: Conditions set forth in the tables below include all economic burdens imposed on the customer for the service. Before choosing and signing the contract it is therefore necessary to read carefully the information sheet. COST ITEMS ORDINARY CURRENT ACCOUNT Fee for Account Opening EUR USD FIXED COSTS Liquidity Management Paym ent Servic es Home Banking Fee for Yearly Account Maintenance This fee will be debited with monthly instalments. Number of account entries included in the yearly fee Fee for the Yearly Closing of Account EUR USD unlimited unlimited Yearly fee for domestic debit card Yearly fee for international debit card Yearly fee for credit card Yearly fee for multifunction card Annual fee for internet banking and phone banking EUR 3.00 USD 3.00 SWIFT Annual fee for the sending of the daily statement of accounts in SWIFT MT940 format (balance and movements of the previous day account closing) EUR 20,00/ per month USD 20,00 / per month Pag. 2 a 10
3 COST ITEMS ORDINARY CURRENT ACCOUNT VARIABLE COSTS Liquidity Manageme nt Services Payment Entry Fee for transaction (not included in the Yearly Account Maintenance Fee and to be added to the transaction cost) Account Statement on paper and on line ATM withdrawal at the same bank in Italy ATM withdrawal at other bank in Italy Bank transfer in Euros to and from SEPA Area (EU / EEU / Switzerland, Monaco, San Marino), instructed at the branch EUR 1.00 The Bank applies the EUR 1.00 the Brasil on display each day at the branch counter. Bank transfer in Euros to and from SEPA Area (EU / EEU / Switzerland, Monaco, San Marino), instructed on line Direct Debits / F24 Payments Cashiers Cheque COST ITEMS ORDINARY CURRENT ACCOUNT INTERESTS ON DEPOSITS Credit Interest Nominal lending rate per annum gross of withholding tax Nominal annual debit rate on the amounts used CREDIT FACILTY AND OVERDRAFTS Credit Facility Overdra ft In excess of Credit Facility Overdra ft without Credit Facility All-inclusive Fee Nominal annual debit rate on the amounts used Fee for fast credit investigation (Commissione di Istruttoria Veloce) Nominal annual debit rate on the amounts used Fee for fast credit investigation (Commissione di Istruttoria Veloce) ,40 6,40 Frequency of credit and debit interests count Annual, on December 31 st of each year, or at the closing of the contract Settlement of credit interests Due date of debit interest Annual, on December 31 st of each year, or at the closing of the contract March 1st of the year following the year in which they were calculated or at the closing of the contract Pag. 3 a 10
4 ORDINARY CURRENT ACCOUNT COST ITEMS Cash Date of payment Date of payment Checks of other banks in Italy Date of payment + 3 w.d Cashier's checks of other banks in Italy Date of payment + 1 w.d. Money Order Bank of Italy Date of payment + 1 w.d. ECONOMIC AVAILABILITY AMOUNTS PAID Money orders and postal checks Date of payment + 3 w.d. Cheques (in Euro) drawn on non-resident accounts of Italian banks or foreign banks Cheques (in foreign currencies) drawn on accounts of Italian or foreign banks date of receipt of funds. date of receipt of funds, at the foreign exchange applicable on the day of deposit. The Bank applies the the Brasil on display each day at the branch counter. date of receipt of funds, at the foreign exchange applicable on the day of deposit. The Bank applies the the Brasil on display each day at the branch counter. date of receipt of funds, at the foreign exchange applicable on the day of deposit. The Bank applies the the Brasil on display each day at the branch counter. Legal availability of funds paid (for paid-in cheques) Date of payment Date of payment + 8 w.d. + 8 w.d. Minimum initial payment for opening current account relationship. EUR USD The Effective Rate Global Medium (TEGM) pursuant art. 2 of the usury law (Law 108/1996) relevant for the operations of credit in the current account, can be found at the branch. OTHER FINANCIAL CONDITIONS CURRENT OPERATIONS AND LIQUIDITY MANAGEMENT COST ITEMS Sending regular communications on paper and on line Fees for duplicates of the documents related to individual transactions (per sheet) EUR 3.00 USD 3.00 Request for account balance certification, accrued credit and/or debit interest, powers of signature or other data (for requirements related to controls and accounting audits) EUR 100,00 USD Stamp Duty on bank statement As indicated by law Pag. 4 a 10
5 PAYMENT SERVICES COLLECTION OF CHEQUES IN EURO Expenses for cheque paid Euro 0.00 Expenses for cheque unpaid, paid late, overdue, recalled, irregular Euro 25,00 for each cheque Expenses for cheque protested (protestato) 2% with a minimum of Eur 25,00 and a maximum of Eur 100,00 in addition to protest fees COLLECTION OF FOREIGN CHEQUES IN EURO Fixed fee Commission of Intervention COLLECTION OF FOREIGN CHEQUES IN FOREIGN CURRENCY Fixed fee Commission of Intervention OUTGOING TRANSFERS - FEES AND EXPENSES SEPA Credit Transfer (SCT- SEPA Credit Transfer) - In Euro towards SEPA At the branch EUR 1.00 EUR 1.00 foreign exchange rate of List Banco do Brasil on display each day at the branch counter On line Urgent transfers or transfer of amount exceeding EUR 500,000 (Domestic Italian BIR Bonifici di Importo Rilevante, transfer of relevant amount) At the branch EUR 1.00 On line International Bank Transfer - In currency of the Member State of the EU / EEU not belonging to the monetary union, towards SEPA Area At the branch Fixed Fee EUR 18,00 Brasil on display each day at the branch counter EUR 18,00 Brasil on display each day at the branch counter On line - Fixed Fee International Bank Transfer - In Euro or currency other than Euro and the currencies of EU Member States / EEA countries, outside SEPA Area At the branch Fixed Fee EUR 18,00 Brasil on display each day at the branch counter EUR 18,00 Brasil on display each day at the branch counter On line Fixed Fee Additional fees for any bank transfers with attachments EUR 5.00 EUR 5.00 foreign exchange rate of List Banco do Brasil on display each day at the branch counter Penalty for bank transfers with incomplete or incorrect instructions EUR 3.50 EUR 3.50 foreign exchange rate of List Banco do Brasil on display each day at the branch counter Pag. 5 a 10
6 OUTGOING TRANSFERS - TIME LIMITS FOR RECEPTION* SEPA Credit Transfer (SEPA Credit Transfer) In Euro towards SEPA International Bank Transfer In currency of the Member State of the EU / EEU not belonging to the monetary union towards SEPA Area International Bank Transfer In Euro or currency other than Euro and the currencies of EU Member States / EEA countries outside the SEPA Area Channel and Foreign *) Time limit beyond which any payment orders shall be deemed received on the following business day Time Limit (cut off) Within 11 a.m. Within 11 a.m. Within 11 a.m. OUTGOING TRANSFERS - EXECUTION TIMES Internal Bank Banco do Brasil Italy SEPA Credit Transfer (SEPA Credit Transfer) In Euro towards SEPA International Bank Transfer In currency of the Member State of the EU / EEU not belonging to the monetary union towards SEPA Area International Bank Transfer In Euro or currency other than Euro and the currencies of EU Member States / EEA countries, outside the SEPA Area Channel and Foreign Day of crediting the Bank of the beneficiary * Same working day as debit entry for payer Debit date + 1 w.d. Debit date + 1 w.d. Debit date + 1 w.d. * The cut-off will be anticipated at 10 a.m. for the semi-working days (e.g, day of the patron saint, August 14th, Dec 24 th, Dec. 31th). INCOMING TRANSFERS - FEES AND EXPENSES Same/other Bank Same/other bank SEPA Credit Transfer (SEPA Credit Transfer) - in Euro from SEPA EUR 0,00 EUR 0,00 Urgent transfers or transfer of amount exceeding EUR 500,000 (Domestic Italian EUR 0,00 EUR 0,00 BIR Bonifici di Importo Rilevante, transfer of relevant amount) International Bank Transfer SHA, BEN, OUR Fixed Fee EUR 75,00 With correct IBAN EUR 75,00 With correct IBAN EUR 150,00 With non-correct or missing IBAN Brasil on display each day at the branch counter EUR 150,00 With non-correct or missing IBAN Brasil on display each day at the branch counter DIRECT DEBIT PAYMENT - FEES AND EXPENSES SDD SEPA Core Direct Debit EUR 1,00 Pag. 6 a 10
7 DEPOSITS VALUE DATES Cash Date of deposit Date of deposit Cheques other banks in Italy Date of deposit + 3 w.d. Cashier s Cheques issued by other banks in Italy Date of deposit + 1 w.d. Money Orders (vaglia) issued by Bank of Italy Date of deposit + 1 w.d. Money Orders and Cheques issued by Poste Italiane Date of deposit + 3 w.d. Cheques (in Euro) drawn on non-resident accounts at Italian banks or on foreign banks Cheques (in foreign currency) drawn on branches of other Italian or foreign banks date of receipt of funds date of receipt of funds date of receipt of funds date of receipt of funds OUTGOING TRANSFERS VALUE DATES Internal Bank Banco do Brasil Italy Payment execution date Payment execution date SEPA Credit Transfer (SEPA Credit Transfer) - In Euro towards SEPA Payment execution date Payment execution date International Bank Transfer - In currency of the Member State of the EU / EEU not belonging to the monetary union towards SEPA Area Payment execution date Payment execution date International Bank Transfer In Euro or currency other than Euro and the currencies of EU Member States / EEA countrie,s outside SEPA (Date of crediting the bank of the beneficiary) Payment execution date + 2 w.d. (Date of crediting the bank of the beneficiary) Payment execution date + 2 w.d. INCOMING TRANSFERS VALUE DATES Internal Bank Banco do Brasil Italy SEPA Credit Transfer (SEPA Credit Transfer) In Euro fromsepa International Bank Transfer SHA, BEN, OUR DIRECT DEBIT PAYMENT VALUE DATES SDD SEPA Core Direct Debit Equal to payment execution date for the payer Same business day of receipt of funds in the account of the bank (settlement date) Working date of negotiation of the foreign exchange (forex calendar) Funds are credited to the beneficiary's bank on the due date Equal to payment execution date for the payer Same business day of receipt of funds in the account of the bank (settlement date) Working date of negotiation of the foreign exchange (forex calendar) Pag. 7 a 10
8 TERMINATION AND COMPLAINTS Termination of contract The customer may cancel the contract at any time, without penalties and without closing of account expenses. Due date for the closing of the contract Conto Corrente: Nr. 3 (three) working days if the account has not additional services and nr. 10 (ten) working days if there are additional services connected, in both cases from the day of reception of the customer communication. Sending of Daily account balance via SWIFT: Nr. 3 (three) working days from the day of reception of the customer communication. Complaints Complaints must be sent to the Complaints Office of BANCO DO BRASIL, Via Dante, Milan, who will respond within 30 calendar days from receipt. The methods for a customer to file a complaint and for the bank to reply include: - ordinary mail service: Ufficio Reclami del Banco do Brasil, via Dante n Milano - electronic mail: milao@bb.com.br - certified electronic mail: bancobrasilag@actaliscertymail.it. Should the customer be not fully satisfied or in case a reply by the Bank is not received within 30 days, before going to court, the complaint can be addressed to: Banking and Finance Arbitrator (Arbitro Bancario e Finanziario - ABF). For instructions on how to contact the Arbitrator please check the website or refer to the es of the Bank of Italy or ask the Bank directly. Conciliator For Banks and Financial Institutions. If a dispute arises with the Bank, the Client may initiate a conciliation procedure to attempt to reach an agreement with the Bank, with the assistance of an independent mediator. For this service, please contact the Conciliator for Banks and Financial Institutions (Conciliatore BancarioFinanziario), registered in the Ministry of Justice registry, based in Rome, via delle Botteghe Oscure 54, phone 06/ , website The Bank of Italy is in charge of supervision on the activities performed by the bank for this service. The customer has the right to submit complaints to the Bank of Italy. LEGEND Direct Debit Annual maintenance fee Capitalization of interest Commission for Fast Credit investigation (Commissione di Istruttoria Veloce) All-inclusive fee (Commissione Omnicomprensiva) Payment service for debiting an account of the payer when a payment transaction is initiated by the beneficiary on the basis of the consent of the payer. Fixed costs for the management of the account. Periodical fixed amount including a predetermined number of free of charge transactions within the interest liquidation period defined. Once credited and debited to the account, interest are included in the balance and in turn produce interest. Commission to carry out the preliminary credit investigation, when the customer perform operations that determine an overdraft or an increase of the amount of an existing overdraft. Fee calculated in proportion to the sum made available to the customer and to the duration of the financing. Its amount cannot exceed 0.5% per quarter, of the sum made available to the customer. Pag. 8 a 10
9 Economic availability INTERNET Home or Internet Banking Balance per value date Number of days after the date of the transaction after which the customer can use the sums paid-in. World-wide communication network with public access, currently representing the main mass communication mean. The interconnection between computers is made possible by a series of network protocols, which constitute the common "language" with which the computers connected to the Internet (hosts) are interconnected and communicate with each other regardless of their hardware and software architecture. It is a service technical platform for Italian companies, holders of heated relations with foreign banks, and foreign companies, account holders at the Bank, which allows the company to receive / view the situation of such existing relationships. Amount on which credit and debit interests are calculated. Legal availability EEA - European Economic Area EFTA - European Free Trade Association Credit Facility Business or Working day Available Balance Value date Balance Overdraft without credit facility or Overdraft exceeding credit facility SCT - SEPA Credit Transfer SDD - SEPA Direct Debit SEPA - Single Euro Payments Area Fee per entry not included in the annual account maintenance fee SWIFT SWIFT MT940 Format Fee for the Yearly Closing of Account and interests settlement Fee for Account statement and other documents TARGET2 Nominal annual credit rate Nominal annual debit rate Number of working days after the date of the transaction within which the bank can re-debit on the account the amount paid-in without notice. European Economic Area: Economic Agreement involving 31 European countries: 3 EFTA countries (Iceland, Liechtenstein, Norway) + 28 European Union European Free Trade Association: alternative economic organization for European states who would not, or could not yet, join the European Economic Community, now the European Union.Includes: Iceland, Liechtenstein, Norway and Switzerland. Sum which the bank agrees to make available to the customer in addition to the available balance. The day on which the bank of the payer or of the beneficiary involved in the execution of a payment transaction are operational, according to what is necessary for the execution of the transaction itself. Amount available in the account and that the account holder can use. Amount on which debit or credit interests are calculated. Sum that the bank has agreed to pay when the customer has given a payment order (bank transfer, check, payment of utility bills) even if there is no available balance on the customer account. It is an overdraft also when the amount to be paid exceeds the credit facility limit. Money transfer in Euro executed within the SEPA area and in accordance with the SEPA rules, practices and standards set by the EPC (European Payment Council), self-regulatory body created on the initiative of the European banking industry as a decision-making body for the coordination and the creation of SEPA- Single European Payment Area Direct debit transaction carried out within the SEPA area. It can be configured according to two schemes of collection: i) Core SDD, useable, on the side of the payer, by all types of customers; ii) SDD B2B (Business to Business), to be used when the payer is a customer other than a consumer. Area in which citizens and companies can make and receive payments in euro with basic conditions, rights and obligations consistent in all 28 EU countries, in EEA countries (Norway, Iceland and Liechtenstein), in Switzerland, in the Principality of Monaco and in San Marino Cost for the accounting recording of each operation other than the number of operations that are included in the annual account maintenance fee. This fee is added to the cost of the specific operation. Acronym standing for Society for Worldwide Interbank Financial Telecommunications: it is the international computer network of communication between the banking institutions associated with it that allows them to exchange financial transactions and information messages with very high security levels. The technical standard for the file structure and the parameters values with which the daily account statement is sent on SWIFT network. Amount charged on the occasion of the periodic settlement of credit and debit interests and all relevant fees and expenses on the account. Fees that the bank applies each time it sends the account statement, and other documents, according to the type of document, frequency and the channel of communication established in the contract. Inter-banking system for the real-time processing of cross-border money transfers in the whole European Union. Rate applicable per annum, used to periodically calculate the interest payable on the amounts deposited, interest which are then credited to the current account, net of fiscal deductions. Rate applicable per annum, used to periodically calculate the interest payable by the customer in case of use of a credit facility and/or an overdraft. Such interests are then debited on the account. Pag. 9 a 10
10 Effective Rate (Tasso effettivo) All-In Average Effective Rate (TEGM-Tasso Effetivo Globale Medio) EU - European Union EMU - European Monetary Union Value Date on withdrawals Value Date on deposits Value of the rate, calculated on an annual basis, which takes into account the effects of periodicity - if less than one year of the capitalization of interest. Interest rate published every three months by the Italian Ministry of Economy and Finance, as required by the usury law. In order to verify if the requested interest rate is usurious, and therefore prohibited, it is necessary to identify, among all published rates, the threshold rate for the specific operation and make sure that the rate requested by the bank is not above it. The European Union (EU) is a supranational and intergovernmental organization, which from July 1st 2013 includes 28 independent and democratic member states, of which 18 are members of the European Monetary Union and 10 members can execute exchanges in Euro without having adopted the Euro as the domestic currency. The group states of the European Union that adopt the Euro as official domestic currency, forming the Economic and Monetary Union of the European Union. In 2014, EMU is composed of 18 member states. Number of days between the date of withdrawal and the date on which debit interest start to be counted. Number of days between the date of withdrawal and the date on which debit interest start to be counted. Pag. 10 a 10
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