Fees & Commissions. Business customers with turnover < 3 million euro and Self-employed & Professionals ACCOUNT PRODUCTS AND SERVICES DEPOSITS

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1 Fees & Commissions Business customers with turnover < 3 million euro and Selfemployed & Professionals The hereby document refers to the fees and commissions related to Business Customers and Professionals with turnover below 3 million euro. Third party expenses: postal expenses, telex messages, phone conversations, correspondent bank and NBR fees are not included and are charged based on their real level. The fees charged for a specific transaction are separately collected, in the same way. UniCredit Bank reserves the right to amend the fees and commissions at any time, based on its policy or the exchange rates fluctuation. ACCOUNT PRODUCTS AND SERVICES Current account / saving account opening Current account maintenance * VAT account maintenance Current account / saving account statement Current account / saving account statement duplicate Closing Current account / saving account Automatic balance transfer *Not applicable for the first 3 accounts for clients using MultiCash, BusinessNet Basic / Professional 1 euro or echiv. / month 2 euro or echiv. / statement / structure / month DEPOSITS Term deposit opening Automatic Overnight deposit Closing Term deposit account 3 euro / month / contract TRANSACTIONS 1. Cash transactions Deposit Coin deposits Withdrawal 1 Foreign transitory encashment Utilities invoice payment at Cash Desk 2. Noncash transactions Incoming payments Intrabank payments (UCB UCB) Paper based / Electronic 2 Interbank payments (UCB other banks) Paper based / Electronic 2 up to 499,99 lei between 5 and 9.999,99 lei between 1. and ,99 lei over 5. lei Direct Debit 5 open / change / close Cancel / change a foreign payment upon client request Urgent payment doesn t include interbanking fee (it needs bank approval) Foreign Currency,1% 2% for more than 1 coins,5% min. 5 lei 1% min. 5 euro standard foreign fee + correspondent bank's fee 3 lei / invoice * Foreign Currency 3 lei / 2 euro / 5 / 3 lei 3 7 / 4,9 lei 3 1 / 7 lei 3 12 / 8,4 lei 3 6 lei,2%, min. 2 euro max. 1. euro 4 /,1%, min. 1 euro max. 5 euro 4 27 euro 35 euro 3. Standing Order Open / change / close Processing * Crossborder transactions will be charged as foreign currency payments Electronic payment fees 3 3 euro Electronic payment fees

2 1 Amounts below 1. euro or equivalent will be delivered in the same business day; Amounts above 1. euro or equivalent have to be announced one business day before 2 BusinessNet Basic / BusinessNet Professional, MT11, MultiCash, MultiCash@Sign 3 Does not include the TransFond / NBR fees,51 lei fee for small value payments (below lei 5.); 6 lei fee for high value (over lei 5.) or urgent payments 4 SWIFT commission included 3 Does not include the following TransFond fees:,45 lei/transaction fee for interbanking SEPA Direct Debit refusal,45 lei/transaction fee for reimbursement of operations properly authorized and executed, exclusively within SEPA CORE Scheme ACCOUNT PACKAGES Package Name Creativ 1 Partener Smart Progresiv Price (lei / month) Additional products Price additional products PACKAGES THAT ARE NO LONGER IN THE CURRENT OFFER OF THE BANK: Package name Start Basic Simplu Metro Basic Metro Easy Basic Metro Easy Plus Metro Easy Plus Intensive Advanced Intensive Metro Advanced Metro Prime Dinamic Metro Prime Dinamic Professionals Altruist (NGO clients) Easy Basic Easy Basic StartUp 3 Prime Extra 4 Prime Executive 4 UEFA Partener Price (lei / month) lei / year Additional products 2 Current account /EUR/USD Price for additional products 1 lei / account / month 3 lei / account / year 1 Creative package is for startup companies, selfemployed, professionals, nonprofit organizations and companies with annual turnover of up to EUR 1,. 2 Optional or/and additional package products can be contracted if, on request date, the package is still available as an active Bank product. If not, the products are available as selfstanding products with standard price according to interests and commissions list in place at open date.

3 Note (further information): 3 Easy Basic Startup package is offered to StartUp companies (up to one year old). This price is valid for the first year with UniCredit Bank, following years the price for Easy Basic package will be applied. 4 Early closing fee of the Prime Executive and Prime Extra packages (before 12 months from its opening date) is 2. lei respectively 4 lei. DEBT INSTRUMENTS 1 1. Issuing fee (for cheques) Custody for debit instruments with forward due date Debt instruments collection, returned or unpaid 1 Payment of debt instruments to another customer of the bank Payment of debt instrument to another bank s customer up to 499,99 between 5 and 9.999,99 lei between 1. and ,99 lei over 5. lei 2. Foreign Currency Foreign cheque collection Returned, unpaid cheque 2,7 lei / check slip 5 lei / month 4 lei / debt instrument 1 leu / instrument 4 lei 6 lei 7 lei 7 lei 1% min. 2 euro 2 euro / cheque 1 TransFond fee not included for debit instruments (.88 lei). Does not include TransFond fee for debt instruments rejection (.55 lei). Debit instruments settlement (old format) using bilateral interbanking convention will be charged 3.3lei/instrument. 2 Does not include correspondent bank fees ELECTRONIC BANKING 1. MultiCash Basic module (EN and RO version) including domestic and foreign payments Setup fee Maintenance fee Phone technical support Onsite support: MultiCash 15 lei (+VAT) 3 euro first month from setup after first month Basic module in other language than EN or RO Romanian module used in another country Interface for printing DPE forms (oneoff) 15 lei / hour (+VAT) 1 25 lei (+VAT) 125 lei (+VAT) 125 lei/ installation kit (+VAT) 2. BusinessNet BusinessNet Basic BusinessNet Professional Installing Setup DigiPass (new / lost / damaged) 6 lei (+VAT) 6 lei (+VAT) Mobile token Mobile B@nking Monthly maintenance fee 2 euro / 18 lei* Monitoring debt instrument module 15 euro / month 15 euro / month Set up of Import of encrypted files 1 euro / company Cards Acquiring reporting tool 15 euro/ client/ month 15 euro / client / month * if the product is purchased with a package MultiCash@sign 75 lei / user (+VAT) Free of Charge BusinessNet CONNECT 1 euro / user 1 euro / client / month

4 1 Plus additional 5% of the time and travel expenses outside Bucharest CARDS ACQUIRING 1. POS For POS, the customer will be able to choose one of the two options of pricing (A or B) A A1. Fee Fee per per transaction made made with with VISA VISA and and Mastercard for POS discount UniCredit Bank and Other banks from Romania,6% for Progresive,6% Package Other banks from Romania and Banks outside Romania Interchange,7% for ++* Smart UCB Package Margin 1% *Interchange++ = Interchange** + Scheme fee**,9% for Partener Package **Interchange levels for card issued by Romanian institutions or countries inside intra EEA are regulated by authorities and 1% the values Creative are Package adjusted according to the EU or Banks local outside laws. Only Romania for information purpose, as of December 9, 215, the interchange for consumer cards issued within INTRA 1,2% EEA is,2% for debit cards and,3% for credit cards. However, the interchange may be subject of modification, by authorities. For cards issued by other countries, interchange level is A2. established Fee per by transaction VISA Europe made and with MasterCard. VISA and For Mastercard details please visit: UniCredit Bank and Other banks from Romania 1,1% Banks outside Romania 1,2% ** Scheme Fee will be established based on the mandates in relation with Visa/MasterCard. The value of Scheme Fee is,18% and is valid at the moment of the offer. The Bank reserves the right to revise this value based on the mandates in Brelation with Visa/MasterCard. Fee per transaction made with VISA and Mastercard B UniCredit Bank,6% This cost structure is applicable if the merchant request in writing this type of cost. Other banks from Romania and Banks outside Romania Interchange ++* UCB Margin 1% B1. Fee per transaction made with VISA and Mastercard for POS discount *Interchange++ UniCredit = Bank Interchange** and Other + banks Scheme from fee** Romania,6% for Progresiv Package **Interchange levels for card issued by Romanian institutions or countries inside intra EEA are regulated by authorities and the,7% values for are Smart adjusted Package according to the EU or local laws. Only for information purpose, as of December 9, 215, the interchange for consumer cards issued within INTRA EEA is.2% for debit cards and.3% for credit cards. However, the interchange may be subject of modification, by authorities. For cards issued by other countries,,9% for interchange Partener level Package is established by VISA Europe and MasterCard. For details please visit: 1% for Creativ Package Banks outside Romania 1,2% B2. ** Scheme Fee per Fee transaction will be established made with based VISA on and the Mastercard mandates in relation with Visa/MasterCard. UniCredit Bank and Other banks from Romania 1,1% Monthly Banks fixed fee outside for POS Romania maintenance* 1,2% Fee per if transaction the monthly made value with of successfully meal card issued completed by Other transactions banks from on a POS Romania terminal or from other institutions 65,65% lei / POS +,45 terminal lei Comision fix less lunar than pentru or equal gestiunea to 2. terminalului lei POS* Monthly if dacă fixed the valoarea fee for monthly lunară POS maintenance* value of a successfully tranzacțiilor finalizate completed cu transactions succes pe terminalul on a POS terminal POS 65 lei / terminal POS is este more mai than mică 2. sau egală lei cu 2. lei if the monthly value of successfully completed transactions on a POS terminal 65 lei / POS terminal dacă is less valoarea than or equal lunară to a 2. tranzacțiilor lei finalizate cu succes pe terminalul POS este if the mai monthly mare value de 2. of successfully lei completed transactions on a POS terminal is more than 2. lei 2. ECommerce 2. ECommerce Comision pe tranzacție 3% Fee per transaction 3% Înrolare 3 euro (+TVA) Enrollment 15 lei (+VAT) Înrolare terminal POS suplimentar pentru plată în rate (RON) 215 euro (+TVA) Enrollment supplementary POS for installments () 215 lei (+VAT) Administrare lunară 15 euro Monthly maintenance fee 15 euro mpos mpos Comisioane pe tranzacții Fee per transaction UniCredit Bank UniCredit Bank,7%,7% Alte bănci din România Other banks from Romania,7%,7% Bănci din afara României Banks outside Romania 1,% 1% Acceptare Amex Amex Fee 3,8% 3,8% + margin marja băncii bank UCB UCB Comision fix lunar pentru gestiunea terminalului mpos* Monthly fixed fee for mpos maintenance* dacă valoarea lunară a tranzacțiilor finalizate cu succes la un punct de lucru 2. lei 2 lei / terminal mpos if the monthly value of successfully completed transactions 2 lei / mpos terminal on dacă a mpos valoarea terminal lunară is a less tranzacțiilor than equal finalizate to 2 cu succes lei la un punct de lucru este > 2. lei Garanție** 5 lei if the monthly value of successfully completed transactions *Se percepe on a cu mpos a doua terminal lună calendaristică more than încheiată, 2 lei după luna în care sa instalat terminalul POS și se debitează până în data de 1 a lunii următoare. **Garanția nu se va percepe clienților cu pachete Creativ și Partener. Guarantee** 5 lei *Is charged starting with second completed calendar month after POS terminal installation and is debited until the 1th of the following month **No guarantee for customers with Creativ and Partener packages

5 Other Cash Management products 1. Other Cash Management products CustomsLink (electronic confirmation of customs duty payments) 1 TrezoLink (Automated collected transfer funds to the State Treasury Accounts) Ecard (Account statements for pending card payments) Cheques and Promissory Note monitoring file 2. Standard electronic statement (MT94/MT942) Daily electronic statement sent/ received (MT94) by SWIFT to Banks within UniCredit Group 2 Interim electronic statement sent/ received (MT942) by SWIFT to Banks within UniCredit Group 2 Daily electronic statement sent/ received (MT94) by SWIFT to Banks outside UniCredit Group 2 Interim electronic statement sent/ received (MT942) by SWIFT to Banks outside UniCredit Group 2 Statement (MT94) via BusinessNet PRO Interim statement (MT942) via BusinessNet PRO or MultiCash 3. Structured electronic statement (MT94/MT942) Daily electronic statement sent/ received (MT94) by SWIFT to Banks within UniCredit Group 2 / account / destination Interim electronic statement sent/ received (MT942) by SWIFT to Banks within UniCredit Group 2 / account / destination Daily electronic statement sent/ received (MT94) by SWIFT to Banks outside UniCredit Group 2 35 euro / account / destination Interim electronic statement sent/ received (MT942) by SWIFT to Banks outside UniCredit Group 2 35 euro / account / destination Daily electronic statement via BusinessNet PRO or MultiCash 1 euro Interim electronic statement (MT942) via BusinessNet PRO or MultiCash 1 Fee per transaction are not included. 2 UniCredit Group is present in the following countries: Romania, Italy, Austria, Germany, BosniaHerzegovina, Bulgaria, Croatia, Czech Republic, Hungary, Russia, Serbia, Slovakia, Slovenia, Turkey. LETTER OF CREDIT IMPORT Opening / acceptance or undertaking of payment at maturity / increase of amount and / or extension of validity Amendment* Payment (including inhouse transaction/transfers) Express payment Issuing reimbursement authorization Amendment reimbursement authorization Discrepancies Cancellation / nonutilization Express opening (in max. 24 hours) LETTER OF CREDIT EXPORT,25% min. 75 euro per quarter or fraction (plus risk premium, if case) paid at issuance / usage / undertaking of payment / increase of amount / prolongation,15% min. 75 euro 75 euro 3 euro 3 euro 75 euro / document presentation 5 euro 1 euro *for any type of amendment; for increase of amount/ extension of validity it is charged in addition to the a/m commission Advising / advising increase of amount,15% min. 75 euro Confirmation / undertaking of payment at maturity to be determined depending on the risk rating of the issuing bank/country, (applicable per utilization) min. 1 euro Amendment* Negotiation of documents (advancing funds) under sight L/C,25% min. 75 euro Prechecking of documents (before presentation) 15 euro/set of documents Documents examination / handling,1% min. 1 euro Remittance of documents without checking (on customer s responsibility) 75 euro Reimbursement fee Transfer,2% min. 75 euro Transfer amendment (increase of amount),2% min. 75 euro Amendment transfer (other than increase of amount) Cancellation / nonutilization 5 euro Acceptance / cancellation 5 euro Discounting of documents Negotiable, depending on the risk rating of the issuing bank/country, min. 1 euro *for any type of amendment; for increase of amount it is charged in addition to the a/m commission Monthly fee 2 euro / one custom office 4 euro / all custom offices 5 euro 5 euro / account 15 euro 15 euro / account/ destination 15 euro / account/ destination / account/ destination / account/ destination

6 BANK PAYMENT OBLIGATIONS (BPO) IMPORT Opening / acceptance or undertaking of payment at maturity / increase of amount and/or extension of validity Issuing Baseline Amendment* Payment (including inhouse transactions/transfers) Mismatch/Match Processing Value exceeded * for any type of amendment; for increase of amount and/or extension of validity it is charged in addition to the a/m commission) BANK PAYMENT OBLIGATIONS (BPO) EXPORT Advising Baseline Confirmation / undertaking of payment at maturity (per utilization) Amendment advising* Data set presentation Mismatch/Match Processing Discounting of documents * for any type of amendment; for increase of amount it is charged in addition to the a/m commission LETTER OF ASSIGNMENT Issuance / increase of amount Amendment* Payment (including inhouse transactions) Advising of received letter of assignment Advice of a received amendment * for any type of amendment; for increase of amount it is charged in addition to the a/m commission COLLECTION Remittance for clean collection / acceptance Remittance for documentary collection for payment / acceptance Amendment Unpaid bills / returned documents / delivery documents free of payment Advising received clean and documentary collections by payment Advising received clean and documentary collections by acceptance Payment Cancellation,1% per quarter or fraction payable upft at the issuance / payment undertaking / increase / extension 3 euro 2 euro,1%.1% applied to exceeded value 3 euro To be determined depending on the risk rating of the issuing bank/country 2 euro Negotiable, depending on the risk rating of the issuing bank/country,15% min. 75 euro,17% min. 1 euro max. 75 euro 5 euro,15% min. max 5 euro,15% min. 5 euro max 5 euro 5 euro,15% min. 5 euro max. 1.5 euro,15% min. 75 euro max. 1.5 euro,2% min. max. 1.5 euro * for any type of amendment; for increase of amount and/or extension of validity it is charged in addition to the a/m commission) LETTER OF GUARANTEE 1. Issued Issuing letters of guarantee / adding the aval / increase of amount and/or extension of validity 1 Amendment* Payment under a claim Express opening (in max 24 hours),25% min. 5 euro per quarter or fraction (plus risk premium, if case) payable at the issuance / increase / extension,25% min. 75 euro 5 euro * for any type of amendment; for increase of amount and/or extension of validity it is charged in addition to the a/m commission) 2. Received Advising 75 euro Advising amendment Claims under L/G on behalf of the beneficiary 1 euro

7 1 If the letters of guarantee are issued based on counterguarantees received from correspondent banks, where commission is covered by corr. bank/applicant, commission is payable quarterly or, if total annual commission amounts less than euro 5, annually. STANDBY LETTERS OF CREDIT 1. Issued Issuing / increase of amount and/or extension of validity Amendment* Payment (including inhouse transactions/transfers) Issuing reimbursement authorization Amendment reimbursement authorization Express opening (in max. 24 hours),25% min. 5 euro per quarter or fraction (plus risk premium, if case) payable upfront at the issuance / increase / extension,25%, min. 75 euro 3 euro 3 euro 5 euro * for any type of amendment; for increase of amount and/or extension of validity it is charged in addition to the a/m commission) 2. Received Advising / advising increase of amount Confirmation Amendment (other than increase of amount) Documents remittance Reimbursement fee Cancellation / nonutilization,15%, min. 75 euro To be determined depending on the risk rating of the issuing bank/country, min. 1 eur 75 euro 5 euro CONFIRMATION OF PERFORMANCE GUARANTEE ACCOUNT Confirmation account opening Monthly maintenance fee 1 euro ESCROW ACCOUNT Opening fee Interest rate,1% according to current account DOCUMENTARY / CONDITIONAL PAYMENT ORDER Issuance,25% min. 5 euro max 2.5 euro Amendment to an issued Documentary Payment Order * Cancellation 5 euro Advising a received Documentary Payment Order,25% min. 5 euro max. 5. euro Presentation of documents under a received DPO,15% min. 5 euro max. 2.5 euro Advising of amendment to a received DPO Signatures verification for Documentary Payment Order 125 lei / document (+VAT) * increases in amount are charged by applying the issuance/advising fee to the additional amount CREDIT WORTHINESS LETTER Issuance: Standard Letters which contains ratio calculations 275 lei (+VAT) 75 lei (+VAT) COMFORT LETTER Issuance,2% min. 175 euro

8 FACTORING 1. Factoring Flat fee Handling documents Interest Supplementary interest rate ( / EUR / USD) with recourse 1% / invoice 2 lei / euro / usd ROBOR 1M / 3M / 6M + 7,5% EURIBOR 1M / 3M / 6M + 8% LIBOR 1M / 3M / 6M + 1% ROBOR/EURIBOR/LIBOR o/n+15% w/o recourse 1,3% / invoice 5 lei / euro / usd SELF SERVICE NONSTOP BANKING 1 Withdrawal Deposit,5% min. 5 lei,1% 1 Transactions made with bare codes For all other NonStop Banking transactions please check the Debit Card and Credit Card section. MISCELLANEOUS 1. MISCELLANEOUS SWIFT investigation fee (oneoff) Trade Register Electronic Certificate on behalf of the client Interrogation of Trade Register Database CIP interrogation fee Documents via fax in Romania outside Romania Fax agreement Mailing management agreement Consultancy / Analysis Balance confirmation fee General information about companies and banks Fast courier service Info SMS Info SMS for Progresiv package clients Cash sweeping 2. MT11 Opening service or modification/adding destination fee Monthly administration fee Payments 1 Garnishment administration fee 2 euro Bank's fee: 4 lei (+VAT), Trade Register Office fee: 45 lei (VAT does not apply) 3 lei (+VAT) 1 lei / entity (+VAT) 1 lei / page (+VAT) 15 lei / page (+VAT) 1 euro / account / month 15 lei / month (+VAT) 125 lei / hour (+VAT) 275 lei (+VAT) 275 lei / entity (+VAT) according to courier tariffs,2 euro / SMS free of charge / structure / month 3 euro / destination 35 euro / entity According to electronic payments 1 lei / garnishment 3. Commission applied to judicial executors and administrators for requested information Commissions for verifying if debtors have accounts opened with UniCredit Bank Commission for releasing address containing data about garnishee debtor / insolvent client,4 lei/debtor (min. 12 lei) (+ VAT) 12 lei/address (+ VAT) 1 SWIFT fees are included.

9 DEBIT CARDS 1. Annual maintenance fees Main card Supplementary card MasterCard Gold Business 65 euro / year 65 euro / year VISA Business Electron 1 euro / year 1 euro / year VISA Silver 2 euro / year 2 euro / year VISA Gold Business 65 euro / year 65 euro / year 2. Transaction fees National POS International POS Cash withdrawal ATM UniCredit Group 1,2% min.,1 euro,2% min.,1 euro,2% min.,1 euro,2% min.,1 euro and Euronet Romania network 2 Cash withdrawal national ATM Cash withdrawal international ATM Cash advance at bank counter Balance enquiry at own ATM Ministatement ay own ATM Card blocking (electronic, temporary) Card blocking (electronic, permanent) International card blocking fee Card replacement (lost, stolen, damaged, broken, demagnetized) Card return emergency cases 3 Unjustified charge back in Romania outside Romania Receipt copy Emergency card replacement Emergency cash disbursement Conversion fee 3% min. 5 euro 3,5% min. 5 euro 4% min. 5 euro 5 euro (MasterCard fee) 12 lei MasterCard fee,5% + 1 euro 1,5% + 2 euro 2.5% + 2 euro 5 euro (VISA fee) 3 lei VISA fee 2% 1 leu 1 euro 2 lei 1 leu 5 euro 1 euro 3 lei 2 lei 15 euro 5 euro 1 euro 2,5% min. 3 euro 3% min. 4 euro 4% min. 5 euro 5 euro (VISA fee) 12 lei VISA fee 1% 3% min. 5 euro 3.5% min. 5 euro 4% min. 5 euro 5 euro (VISA fee) 12 lei VISA fee 2% 3. Daily transactional limits 3 lei POS limit ATM limit POS / ATM transaction number 8. lei 8. lei 1 4. lei 4. lei 8 15 euro 1 euro 8. lei 4. lei 1 8. lei 8. lei 1 1 UniCredit Group is present in the following countries: Romania, Italy, Austria, Germany, BosniaHerzegovina, Bulgaria, Croatia, Czech Republic, Hungary, Russia, Serbia, Slovakia, Slovenia, Turkey. 2 Euronet is a payment processor that owns an independent network of ATM s in Romania, UniCredit Bank partner 3 Lei equivalent at NBR rate from the payment date, applicable only to cards issued by UniCredit Bank captured in own ATMs located outside its branches / agencies

10 PROVIDING LUNCHEON VOUCHERS ON ELECTRONIC FORMAT "CARD MENU" LUNCHEON CARD (Lei, VAT to be added acc to the Law) 1. Costs for issuance of luncheon vouchers on electronic format Commission for funds transfer on 'Card Menu' Commission for return the unused funds 1 5 employees,7% employees,6% over 3. employees,5% 2. Costs related to electronic support used for luncheon vouchers or replacement Card issuing fee / (per card) PIN issuing fee / (per card) PIN change fee / (per card) Cards delivery fee_one address Cards delivery fee_multiple addresses (per delivery/per address) Annual card account administration fee / card Card renewal fee (at expiring date) / (per card) Card replacement fee (lost, stolen, damaged, name change) / (per card) SMS fee for account balance information / (per card) Annual SMS fee for unused balance / (per card)* * sent one month before expiring the balance Daily transactional limits POS Limit POS transaction number 2.5 lei 8 CREDIT CARDS 1. Administration fee Main card Supplementary card MasterCard Business 2 euro / year 2 euro / year VISA cobrand METRO 5 lei / month 5 lei / month 2. Transaction fees National POS International POS Cash withdrawal ATM UniCredit Group 1 and Euronet Romania network 2 Cash withdrawal national ATM Cash withdrawal international ATM Cash advance at the Bank counter Balance enquiry at own ATM Ministatement ay own ATM Card blocking (temporary) Card blocking (permanent) Card blocking (international) 3 Credit card statement duplicate Card replacement 4 PIN replacement Card renewal Unjustified chargeback in Romania outside Romania Receipt copy Emergency card replacement Emergency cash disbursement Card return emergency cases 5,2% min.,1 euro 2,5% min. 3 euro 3% min. 4 euro 4% min. 5 euro,35 lei 1 leu 1 euro 5 euro (MasterCard fee) 2 lei 2 lei 12 lei 3 lei MasterCard fee 15 euro 1 euro 35 euro,2% min.,1 euro 2,5% min. 3 euro 3% min. 4 euro 4% min. 5 euro 1 leu 1 euro 5 euro,35 lei 2 lei 2 lei 12 lei 3 lei VISA fee 15 euro 1 euro 5 euro

11 CREDIT CARDS (further information) 3. Transaction limits Daily limit POS Daily limit ATM Daily no. of transactions POS / ATM 3. euro (12. lei) 1. euro (4. lei) lei 8. lei Annual Interest rate Standard interest rate lei (variable) Interest rate for transactions made in METRO locations Interest rate for cash withdrawal Penalty interest rate lei for cards issued in lei Penalty interest rate / for unauthorized overdraft / Penalty interest rate for overdue loan caused by unauthorized overdraft for cards issued in lei 26,83% 26,83% 6% 4% 26,83% 23,83% 26,83% 6% 4% 1 UniCredit Group is present in the following countries: Romania, Italy, Austria, Germany, BosniaHerzegovina, Bulgaria, Croatia, Czech Republic, Hungary, Russia, Serbia, Slovakia, Slovenia, Turkey. 2 Euronet is a payment processor that owns a network of independent ATM's in Romania, UniCredit Bank partner 3 The card will be included on an international list of stolen/lost cards. 4 Lost, stolen, broken, damaged, demagnetized card. 5 Lei equivalent at NBR rate from the payment date, applicable only to cards issued by UniCredit Bank captured in own ATMs located outside its branches / agencies

12 Interest rates afferent to current accounts and saving products for Business customers with turnover < 3 million euro and Selfemployed & Professionals SIGHT DEPOSIT WITH VARIABLE INTEREST (% PER YEAR) Current Account (all currencies), Penalty interest rate for current account unauthorized overdraft* EURO USD GBP CHF ROBOR 3M +18% EURIBOR 3M + 18% LIBOR 3M + 18% LIBOR 3M + 18% LIBOR 3M + 18% * For other currencies than, EURO, USD, GBP and CHF the penalty interest rate for current account unauthorized overdraft is 25%. SAVING ACCOUNTS WITH VARIABLE INTEREST (% PER YEAR) Savings account (Interest are calculated per tranche) 3. / 1. EUR > EURO TERM DEPOSIT WITH FIX INTEREST RATE (% PER YEAR) 1. 1 week Rate 2. 1 month <5. 5. < with automatic renewal EURO USD without automatic renewal EURO USD 3. 3 months <5. 5. < months <5. 5. < months <5. 5. <

13 INTEREST RATES FOR PRODUCTS SUSPENDED FROM THE BANK S OFFER 1. Current account from Decan package 1,5% 2. Term deposit with fixed interest rate (% per year) 1 month 2 months 3 months 4 months 5 months 6 months 7 months Interest rate in case of early mature 9 months 12 months EURO USD GBP Term deposits with variable interest rate (% per year) 1 month tranche (lei / euro) < 5. / 1.5 > 5. < 1. / > 1.5 < / 3. 3 months tranche (lei / euro) < 5. / 1.5 > 5. < 1. / > 1.5 < / 3. 6 months tranche (lei / euro) < 5. / 1.5 > 5. < 1. / > 1.5 < / 3. 9 months tranche (lei / euro) < 5. / 1.5 > 5. < 1. / > 1.5 < / months tranche (lei / euro) < 5. / 1.5 > 5. < 1. / > 1.5 < / EUR