LOAN TARIFFS FOR PRIVATE INDIVIDUALS, FARMERS AND ENTREPRENEURS Valid from

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1 LOAN TARIFFS FOR PRIVATE INDIVIDUALS, FARMERS AND ENTREPRENEURS Valid from

2 LOAN TARIFFS FOR PRIVATE INDIVIDUALS AND FARMERS Valid from: CASH LOANS, CONSUMER LOANS, OVERDRAFT Loan type Downpayment / Deposit Salary transfer obligation fix Interest rate in first 36 months Interest rates variable Interest rate EUR Cash loans 11.95% in first 36 months, after 8.5%+3m Belibor 7.05% + 3m Belibor / Cash loans with Bonus option : without EUR: min 30% 15.95% in first 36 months, after 12.5%+3m Belibor 12.45% in first 36 months, after 9%+3m Belibor 16.45% in first 36 months, after 13%+3m Belibor 11.05% + 3m Belibor / 7.55% + 3m Belibor / 11.55% + 3m Belibor / : 2%, min EUR: 2%, min Cash loans with mortgage 12.95% in first 36 months, after 9.5%+3m Belibor 16.95% in first 36 months, after 13.5%+3m Belibor 8.05% + 3m Belibor 9.45% +3m Euribor 12.05% + 3m Belibor 13.45% +3m Euribor Cash loans and cash loans with Bonus option (tenor up to 24 months)* : without 10.95% fix 6.05% + 3m Belibor / 14.95% fix 10.05% + 3m Belibor / : 2%, min Refinancing loans : without 10.95% in first 36 months, after 7.5%+3m Belibor 14.95% in first 36 months, after 11.5%+3m Belibor 6.05% + 3m Belibor / 10.05% + 3m Belibor / Refinancing loans with Bonus option : without 11.45% in first 36 months, after 8%+3m Belibor 15.45% in first 36 months, after 12%+3m Belibor 6.55% + 3m Belibor / 10.55% + 3m Belibor / : 2%, min EUR: 2%, min Consumer loans : without EUR: min 30% 10.95% in first 36 months, after 8.5%+3m Belibor 15.95% in first 36 months, after 12.5%+3m Belibor 7.05% + 3m Belibor 7.45%+3m Euribor 11.05% + 3m Belibor 11.45%+3m Euribor Cash covered loans 100% Optional / 5.5% in line with selected product *Minimum loan amout

3 Overdraft / 30% / 1% from overdraft amount, min 200, max HOUSING LOANS AND LOANS FOR RECONSTRUCTION Loan type Mortgage / Downpaymet / Deposit Salary transfer obligation Interest rates* EUR HOUSING LOANS WITHOUT NKOSK INSURANCE Real estate purchasing / reconstruction loans (Housing loans and loans for reconstruction) Real estate purchasing / reconstruction loans (Housing loans and loans for reconstruction) - Non-residents min 20% downpayment - LTV 0.8 a) with mandatory min 30% downpayment - LTV 0.8 b)without downpayment** LTV 0.7 min 20% downpayment - LTV 0.8 5% + 3m Belibor 4.5% + 3m Euribor 1% min EUR % + 3m Belibor 4.25% + 3m Euribor 1% min EUR 100 5% + 3m Belibor 4.5% + 3m Euribor 1% min EUR 100 HOUSING LOANS INSURED BY NKOSK INSURANCE Real estate purchasing / reconstruction loans (Housing loans and loans for reconstruction) min 20% downpayment - LTV 0.8 without downpayment** LTV 0.7 / / 3.75% + 3M Euribor 0.5% min EUR % + 3m Euribor Cash covered loans 100% Optional / 5.5% in line with selected product * Interest rates for housing loans include riziko insurance. If client applies for loans without riziko insurance, the interest rate increases for 0.5% for loans in EUR and for 1% for loans in. Riziko insurance for non residents is not obligatory. **Option "without downpayment" valid only in cases when subject of purchase is different than mortgaged real estate or in case when additional mortgage is provided along with the mortgage which is the subject of purchase. 3

4 Loan type Car loan for purchasing a new vehicles with kasko insurance (DTI up to 50%)* Car loan for purchasing used vehicles with kasko insurance (DTI up to 50%) Downpayment / Deposit : min 10% downpayment EUR: min 30% downpayment : min 20% downpayment Salary transfer obligation CAR LOANS Interest rates 10.95% 7.45% +3m Euribor 14.95% 11.45%+3m Euribor 13.95% / 17.95% / Cash covered loans 100% Optional / 5.5% * For buying new car without kasko insurance, interest rate should be increased for 0.5%, while max.loan amount can be up to EUR : 2%, min EUR: 2%, min in line with selected product Card type Downpaym ent / Deposit Salary transfer obligation CREDIT CARDS Interest rate MasterCard credit card account packages Optional / monthly 1.90% Package Jednostavno: monthly fee main card - no fee, additional card 100 MasterCard credit card Standard "Stand alone" MasterCard credit card GOLD account packages Optional / monthly 2.10% Optional / monthly 1.80% Monthly fee main card 199, additional card 100 Package Jednostavno+ - monthly fee main card - no fee, additional card MasterCard credit card GOLD "Stand alone" Optional / monthly 1.80% Monthly fee 400, additional card 400 MasterCard Standard credit card "Stand alone" Partner Super Kartica credit card MasterCard World in account packages Super Kartica credit card MasterCard World "Stand alone" Super Kartica credit card MasterCard World Stand alone to preapproved customers in loyalty program Super Kartica Optional / monthly 2.40% Optional / monthly 2.40% Optional / monthly 2.40% Optional / monthly 2.40% Monthly fee main card 199, additional card 100 Package Jednostavno: monthly fee main card - no fee, additional card 100 Monthly fee main card 199, additional card 100 Monthly fee main card 199, additional card 100 4

5 LOANS FOR FARMERS Interest rates Loan type Downpayment / Deposit EUR Investment loans with mandatory min 20% downpayment from SBRS customers account 11.95% in first 60 months, after 8.65% + 3m Belibor 7.45% + 3M Agriculture mechanization and equipment loans min. 30% downpayment through SBRS customers account in case of pledge min 20% downpayment through SBRS customers account in case of mortgage 11.45% 7.45% + 3M For loan amount up to EUR For loan amount from EUR up to EUR 1.5% For loan amount from EUR 1% Working capital / 11.45% 7.45% +3M Agriculture mechanization and equipment loan from program of Government of Republic of Belarus min. 30% downpayment through SBRS customers account in case of pledge min 20% downpayment through SBRS customers account in case of mortgage 5.25% / 0.50% min Cash covered loans 100% / 5.5% in line with selected product Overdraft / 30% / 0.50%, min 500 TES FOR PRIVATE INDIVIDUALS AND FARMERS Bank may stipulate fee for early loan repayment if fixed nominal interest rate is agreed for early repayment period, only for loans with purpose of real estate purchase if fixed or variable nominal interest rate is stipulated in loan contract. Total amount of early repayment in the last 12 months must exceed 1,000,000. If the period between early repayment and due date from loan contract is longer than one year, amount of early repayment fee may not exceed 1% of the early repaid amount, and if this period is shorter then this fee can not be higher than 0.5%. EARLY REPAYMENT FEE Early repayment fee for loans can not be required if the repayment is done based on the insurance contract which purpose is to ensure repayment, in case of overdraft and if repayment is made during the period for which variable nominal interest rate is agreed, except for loans with purpose of real estate purchase. If existing Sberbank loan is refinanced with new Sberbank refinancing loan early repayment fee is not charged for refinanced loan. Early repayment fee for CHF loans can not be required in case that the repayment amount is higher than CHF and it is repaid with clients own funds or new Sberbank loan. 5

6 LOAN CANCELATION Loan cancelation (exception are loans covered with mortgage): Client has the right to cancel the Contract within 14 days from the date of contract conclusion, provided that before the expiry of that period he will notify in written form the Bank about his intention to cancel the loan. Date of cancelation shall be considered the date of receiving clients written request to the Bank. In case of contract cancelation, Client is obliged to immediately, but not later that 30 days from the date of notification to repay principal and interest accrued during the loan usage, including actual costs that Bank has beared. Loan cancelation (for loans covered with mortgage): Client has the right to cancel the Contract within 14 days from the date of contract conclusion, under condition that client has not started to use the loan and that he notifies in written the Bank about his intention to cancel the loan. Date of cancelation shall be considered the date of receiving clients written request to the Bank. Client is obliged to immediately, but not later that 30 days from the date of notification to repay principal and interest accrued during the loan usage, including actual costs that Bank has beared. MAINTENANCE FEE PRIVATE INDIVIDUALS: Maintenance fee EUR 1.70 monthly for indexed and FCY loans and 210 monthly for loans in. Maintenance fee for loans with included CPI insurance should be paid monthly as defined in Loan contract. a)maintenance fee for loans with included CPI insurance is 210 per month (fix) % per month from agreed loan amount b) Maintenance fee for loans with included CPI insurance for pensioners is 210 per month (fix) % per month from agreed loan amount where the last annuity is paid in 68 years c) Maintenance fee for loans with included CPI insurance for pensioners is 210 per month (fix) % per month from agreed loan amount where the last annuity is paid in 74 years Maintenance fee will be charged each month on the choosen maturity day. Maintenance fee will not be charged for credit cards and overdraft. FARMERS: Maintenance fee EUR 1.70 monthly for indexed and FCY loans and 210 monthly for loans in. Maintenance fee will be charged each month on the choosen maturity day. Maintenance fee will not be charged for credit cards and overdraft.. FEE FOR CONTRACT ANNEXING Each change of conditions or already approved loan, on clients request, that is followed with annexing or change of initial loan contract is charged 100 EUR in countervalue, with the exception for case where client requests change of collateral, where annexing is charged 300 EUR in countervalue. 6

7 Loan type Short term working capital loan Loan for regular business purposes Revolving credit line - Working capital loan Revolving credit line - Refinancing loan Credit line for discount of bills Loan for buying / reconstruction / adaptation of business premises Loan for buying of equipment / vehicles Loan for financing of completed investment Loan for buying of equipment / vehicles from program of Government of Republic of Belarus MasterCard business Charge card Annual revenues Mortgage/ Downpayment or UP TO LOAN TARIFFS FOR ENTREPRENEURS Valid from: LOANS FOR ENTREPRENEURS FROM TO OVER Interest rate UP TO EUR FROM TO OVER / 11.50% 8.00% 7.45% 6.65% 6.15% 5.95% / 11.65% 8.15% 7.60% 6.80% fixed 6.30% 6.10% / 11.95% 8.50% 7.95% / 11.95% in first 60 months, after 8,65% + 3m BELIBOR 8.50% in first 60 months, after 5.20% + 3m BELIBOR 7.95% in first 60 months, after 4.65% + 3m BELIBOR 7.45% + 3m / 1.2% monthly / Min 20% downpayment First rank mortgage in following ratio: for loans with 20% min 1:1 for loans with 20% downpayment min 1.25:1 Min 20% downpayment in first 60 months, after 8.15% + 3m BELIBOR 8.00% in first 60 months, after 4.70% + 3m BELIBOR 7.45% in first 60 months, after 4.15% + 3m BELIBOR / 11.45% 8.00% 7.45% 6.95% + 3m 6.95% + 3m 6.45% + 3m 6.45% + 3m 5.95% + 3m Disbursement Fee For loan amount up to EUR fixed For loan amount from EUR up to EUR 1.5% For loan amount over EUR 1% 1% per discount of bill, min EUR 60 For loan amount up to EUR fixed For loan amount from EUR up to EUR 1.5% For loan amount over EUR 1% Min 20% downpayment 5.25% / 0.50% min %; yearly membership per issued card Overdraft / 25% 23% 22% / / / 0.5% Cash covered loans 100% / 5.5% in line with selected product 7

8 EARLY REPAYMENT FEE LOAN CANCELLATION MAINTENANCE FEE FEE FOR CONTRACT ANNEXING TES FOR ENTREPRENEURS Bank may stipulate fee for early loan repayment if fixed nominal interest rate is agreed for early repayment period,only for loans with purpose of real estate purchase if fixed or variable nominal interest rate is stipulated in loan contract. Total amount of early repayment in the last 12 months must exceed 1,000,000. If the period between early repayment and due date from loan contract is longer than one year, amount of early repayment fee may not exceed 1% of the early repaid amount, and if this period is shorter then this fee can not be higher than 0.5%. Early repayment fee for loans can not be required if the repayment is done based on the insurance contract which purpose is to ensure repayment, in case of overdraft and if repayment is made during the period for which variable nominal interest rate is agreed, except for loans with purpose of real estate purchase. Early repayment fee for CHF loans can not be required in case that the repayment amount is higher than CHF and it is repaid with clients own funds or new Sberbank loan. Loan cancelation (exception are loans covered with mortgage): Client has the right to cancel the Contract within 14 days from the date of contract conclusion, provided that before the expiry of that period he will notify in written form the Bank about his intention to cancel the loan. Date of cancelation shall be considered the date of receiving clients written request to the Bank. In case of contract cancelation, Client is obliged to immediately, but not later that 30 days from the date of notification to repay principal and interest accrued during the loan usage, including actual costs that Bank has beared. Loan cancelation (for loans covered with mortgage): Client has the right to cancel the Contract within 14 days from the date of contract conclusion, under condition that client has not started to use the loan and that he notifies in written the Bank about his intention to cancel the loan. Date of cancelation shall be considered the date of receiving clients written request to the Bank. Client is obliged to immediately, but not later that 30 days from the date of notification to repay principal and interest accrued during the loan usage, including actual costs that Bank has beared. Maintenance fee EUR 1.70 monthly for indexed and FCY loans and 210 monthly for loans in. Maintenance fee will be charged each month on the choosen maturity day. Each change of conditions or already approved loan, on clients request, that is followed with annexing or change of initial loan contract is charged 100 EUR in countervalue, with the exception for case where client requests change of collateral, where annexing is charged 300 EUR in countervalue. 8