SERVICE FEES Valid since 01/09/2018

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1 SERVICE FEES Valid since 0/09/08 ANNEX CONTENTS GENERAL CONDITIONS:... I. ACCOUNTS... II. TRANSFERS... III. CASH TRANSACTIONS IN A CUSTOMER SERVICE POINT... 4 IV. TRADING IN FOREIGN CURRENCY... 5 V. ADMINISTRATION OF CASH COLLECTION/DELIVERY... 5 VI. DOCUMENTARY SETTLEMENTS AND GURANTEES... 5 VII. CREDITS, FACTORING AND LEASING... 7 VIII. ASSESMENT OF THE PLEDGED ASSESTS... 8 IX. INVESTMENT SERVICES... 8 X. PAYMENT CARDS... 0 XI. ELECTRONIC BANKING... 5 XII. OTHER SERVICES... 5 XIII. RENT OF SAFES... 6 XIV. SERVICE PLANS... 6 XV. ESCROW PAYMENT... 7 GENERAL CONDITIONS:. In these Service Fees (hereinafter - the Fees) of Šiaulių Bankas AB (hereinafter - the Bank) legal entities, shall be considered as corporate customers, whereas, natural persons as well as farmers, notaries, bailiffs shall be considered as private customers (hereinafter jointly - the Customer (s)).. Additional costs of the Bank related the payment transaction executed by the Customer or service rendered to him besides those fees listed in the document can be applied for all the services in addition to the listed Fees:.. additional expenses for mail and telecommunications;.. State's taxes, if any;.3. Foreign banks' taxes, if any; 3. The Bank is entitled to change the fees unilaterally as foreseen in the General Rules for the Provision of Services of Šiaulių Bankas AB. The amended fees are availble on the Bank's website at 4. Fees shall be paid in Euros unless individual bank service rendering agreement or other agreements concluded with the Customers foresee otherwise. The fee applicable by foreign banks shall be debited in currency specified by a foreign bank. The Customer shall pay a commission fee to the Bank in the manner foreseen the General Rules for the Provision of Payment Services of Šiaulių Bankas 5. If the service rendering agreements concluded with the Customer, or legislation,or the present fees do not include the Bank's obligation to provide a particular service, it can be provided upon Customer's request with for a fee agreed between the Parties in advance. 6. Definitions used in the present document: D - the number of the Bank's business days during which a payment order shall be executed. D+ 0 a payment order shall be executed on the same Bank's business day if it has been submitted before time specified in the section "Hours". Hours - time before which a submitted payment order shall be considered as received on the same Bank's business day. OUR a payer shall settle the fees of Šiaulių Bankas and other foreign banks. Additional fees of foreign banks shall be debited for the payer's account. Executing a payment order in USA dollars, additional fees of foreign banks can be deducted from the transferred amount. SHA a payer shall settle the fees of Šiaulių Bankas and a beneficiary shall settle the fees of foreign banks. Account - an account opened on behalf of the Client or a few Clients (co-owners) with the Bank, used to execute payment transactions. Types of accounts may vary, for example, it can be a bank account, deposit account, trust account, securities, account, accumulative account and etc. SEPA transfer - a payer-initiated payment transfer in euro, executed in accordance with the scheme established by the European Payments Council in the whole SEPA area. Resident - (i) a natural person who, under the legislation of the Republic of Lithuania or the legislation of a Member State of the European Union or the European Economic Area, has the right to reside in the Republic of Lithuania or in an EU Member State or an EEA State; (ii) a legal entity whose registered office is in the Republic of Lithuania. Non-resident - all natural persons or legal entities, except those who are residents.

2 I. ACCOUNTS To corporate customers To private customers. Account opening: free of charge. Account administration : EUR /per month EUR 0,60/per month 3. Account closing EUR Assignment of Customer's representative 3 EUR 3 5. Data verification, identifying the Customer EUR 00 4 EUR Provision of account statement: 6.. in the Bank's units 6 : 6... for a day EUR for a month EUR for a quarter EUR for a year EUR by e-channels free of charge 6.3. by SWIFT 7 EUR per statement The fee of account statement provision in the Bank's unit 6.4. Account statement of MoneyGram transactions shall apply. 7. Fee for cash balances in EUR currency exceeding EUR European Central Bank CB deposit facility rate (per cent) /360 d A fee shall be debited from the Customer's account (it applies to each account of the Customer) regardless of executed /not executed transactions on the last day of each month. If there is not sufficient amount of funds to cover the fee, the Bank shall debit this fee (or its part) at any time later when the any Customer's account is ed with funds.the fee shall not apply to securities transactions / saving / accumulative / deposit accounts. The fee shall not apply if the Customer has an Account with the Bank for more than 6 months or the Account is the basic payment account (see Chapter XIV "Service plans"). 3 The fee shall apply to: The fee shall apply to: (I) a natural person - for verification of the Customer's representation document at the register and / or the assignment of representative to the Customer's account (s) management so that the representative could be provided with the information, documents, conclude transactions and other permissible activities; (Ii) a legal person - for replacement of the signature and seal specimen; bankruptcy administrator assignment to account management. 4 The fee shall apply to: The fee shall apply to legal entity non-resident and legal entity resident whose founder (shareholder) is non-resident, owning 5 per cent of assets / shares / voting rights (or more) 5 The tax shall apply to a non-resident natural person. 6 Upon the private Customer's request once a month the Account statement shall be provided in the customer service point free of charge. The statement of the Customer's choice may be provided for not more than for the period of 30(thirty) calendar days prior to the day of request or for the previous calendar month. The fee for provision of account statements by SWIFT shall be debited once a month, on the first working day of for each calendar for the statements provided by SWIFT per month. 8 The fee shall be calculated at the end of each calendar day if the amount of all bank account balances of one legal entity exceeds the limit specified in the table. The fee for the last calendar month is debited by 0th day of the next calendar month in accordance with the Payment Service Rules stipulated by Šiaulių Bankas. European Central Bank CB deposit facility rate is available on Annual fee of deposit administration The fee applies to all time deposits concluded for the period exceeding 5 years (89 d). This fee shall be paid on the last business day of each month. To corporate and private customers 4 % annual fee from the deposit amount II. TRANSFERS Internal and SEPA transfers in in euro and of payments received in euros Hours Day Fees to corporate and private customers by transfer submission channel Bank's unit Bank's on-line banking / Bank's mobile application.. Credit transfer from the client's account within the Bank:... to own account with the Bank D+0 EUR free of charge... to other client's account with the Bank D+0 EUR EUR SEPA tranfer outside the Bank 6:00 D+0 EUR EUR Other SEPA transfers in Lithuania:.3.. when a customer has no account with the Bank 6:00 D+0 0, % from the amount (min. EUR 5) -

3 .3.. standing transfer:.3... to own account with the Bank D+0 free of charge.3... to other client's account with the Bank D+0 EUR 0.3 per transfer to other banks registered in Lithuania 6:00 D+0 EUR 0.4 per transfer.3.3. E-invoice a one-off transfer to the beneficiary's account with the Bank D+0 EUR EUR a one-off transfer to the beneficiary's account with other banks registered in Lithuania automated settlement to the beneficiary's account with the Bank/ to other bank registered in Lithuania.3.4. Payments: transfer from the client's account to service provider's account with the Bank transfer from the client's account to service provider's account with other bank registered in Lithuania.3.5. transfer of funds by executing a payment order through PLAIS without the client's consent 3 : transfer from the client's account to beneficiary's account with the Bank 6:00 D+0 EUR EUR 0.4 free of charge D+0 EUR EUR 0.3 6:00 D+0 EUR EUR 0.4 D+0 - EUR transfer from the client's account to beneficiary's account with other bank registered in 6:00 D+0 - EUR 0.4 Lithuania.4. Very urgent SEPA transfers in euros 4 6:00 D+0 EUR 35 EUR Credit of payments received in euro (SHA) (where the payer's account is in the Bank / where the payer's account is located in another bank registered in Lithuania or the SEPA area member state) 8:00 D+0 free of charge.6. Salary transfer:.6.. submission of salary transfer.6.. salary transfer execution to beneficiary's account with the Bank.6.3. salary transfer execution to the beneficiary's account with the banks registered in Lithuania and SEPA member state 6:00 D % from the transferred amount - free of charge - EUR 0.4 per transaction SEPA transfers are not executed on Saturdays, Sundays, Easter Good Friday and on the statutory holidays. The Customer may submit not more than 50 units of coins per one payment (Euro coins and Euro cents are included). If the Customer submits 5 unit or a larger amount of coins (Euro coins and Euro cents are included) for execution of one payment the Bank shall bę entitled not execute such a payment or upon agreement of the parties to apply a contractual fee to a payer. 3 In addition, the client is subject to the Information System of Cash-Flow Restrictions ( abbr. PLAIS in Lithuanian) support fee, which shall be paid to the State Enterprise Centre of Registers, the amount and administration procedure of which are set by the Ministry of Justice of the Republic of Lithuania. 4 Very urgent SEPA transfers in euros are sent to the beneficiary's bank immediately, however the actual time when funds are ed to the beneficiary's account depends on the beneficiary's bank and, in some cases, it may take a while.. Other services relating to e-invoice and standing transfer: To corporate and private customers.. E-invoice:... E-invoice receipt via Bank's on-line banking free of charge... submission /cancellation of request for E-invoice free of charge..3. order or cancellation of automatic e-invoice payment free of charge.. standing transfer:... agreement conclusion in the bank's unit free of charge Time Day Fees to corporate and private customers 3. CREDIT TRANSFERS NOT SEPA (Transfers in currencies other than euro or in euro to accounts by transfer submission channel Bank's on-line banking opened in non-sepa member states) Bank's unit / Bank's mobile application 3.. to own or other client's account with the Bank D+0 EUR EUR

4 3.. to other banks registered in Lithuania (SHA): 3... USD, GBP 5:00 D in other currency 5:30 D+ EUR 4 EUR 3.3. to the banks registered abroad : ordinary: SHA EUR 4 EUR :00 D+ OUR* EUR 6 EUR urgent: SHA EUR 3 EUR 8 7:00 D+ OUR* EUR 40 EUR very urgent: EUR/USD SHA EUR 66 EUR 63 5:00 D+0 OUR* EUR 75 EUR 7 DKK, GBP, NOK, SEK, PLN, RUB SHA EUR 66 EUR 63 :00 D+0 OUR* EUR 75 EUR 7 * an additional fee when foreign bank fees are paid by the payer (OUR) EUR Credit of received international payments: when payer's account is with the Bank free of charge when a payer's account is with another bank registered in 8:00 D+0 0, % (min. EUR 5 Lithuania or abroad Max EUR 5 ) Payment orders to the EU and EEA member states (Norway, Iceland and Liechtenstein) in all currencies of these countries are executed only in case the bank's fees are settled by both - a payer and a beneficiary (SHA). Executing a payment order in USA dollars, additional fees of foreign banks can be deducted from the transferred amount. 4. Additional services related to acceptance transfers and payments received in euros and in foreign currencies: To corporate and private customers 4.. SEPA transfers in euros to the Bank or banks registered in Lithuania or SEPA member states: 4... cancellation if the funds have not been deducted form the Bank's correspondent account EUR cancellation if the funds have been ed to the beneficiary's account EUR 6 and beneficiary's banks' fees (max EUR 50 ) refund of unexplained funds to the payer's bank free of charge 4.. Credit transfer not SEPA 4... clarification/cancellation of the payment order data when money and/or notification about a transfer has not been yet sent from the EUR 6 Bank 4... clarification/cancellation of the payment order data when money and/or notification about a transfer has been sent from the Bank EUR 45 and beneficiary's banks' fees (max. EUR 50 ) investigation of the sent or received payment order execution and delivery of information EUR 5 and beneficiary's banks' fees (max. EUR 50 ) issue of the document justifying sent or received payment order (SWIFT copy) EUR return of funds received from foreign banks to the sender (payer) EUR 5 If the funds are debited from the Bank's correspondent account and/or a notification has been sent to the beneficiary's bank, the Payment order can be cancelled only receiving beneficiary's consent. The fee shall apply to the sender of funds (payer) regardless of whether the funds were returned to the payer (payer). III. CASH TRANSACTIONS IN A CUSTOMER SERVICE POINT To corporate customers To private customers. Cash deposited in the Bank's unit to own, or other client's account.. in euro banknotes 0. % from the deposited cash amount (min. EUR ).. in Euro coins if amount is EUR 5 and more 4.5 % from deposited cash amount (min. EUR ).3. in banknotes of foreign currencies 0.3 % from deposited cash amount (min. EUR ).4. in deposit's currency banknotes to conclude / supplement the deposit, when the entire amount of the deposit is used immediately free of charge 4

5 . Cash withdrawal in the Bank's units 3.. cash withdrawal from the account: 0.8 % from cash payout amount (min. EUR )... pay out of the time deposit and interest if the funds were deposited in deposit currency to the account on the deposit agreement conclusion day in cash, and the deposit agreement has not been terminated prior to its maturity.... payout of time deposit PLIUS and its interest 0.8 % from deposited cash amount (min. EUR ) 0.8 % from deposited cash amount (min. EUR ) free of charge 4 Free of charge 5 3. Ordering of Cash Wishing to withdraw amounts exceeding EUR or equivalent in USD on should address the Bank (two) business days in advance, while free of charge equivalent amount exceeding EUR in other currencies - 5 (five) business days in advance. 3.. Fee of cancellation of cash reservation or failure to take the ed funds 0, % from the amount (max EUR 90 ) 4. Changeover of cash to other denominations of the same currency (including the changeover to other banknotes or coins of the same denomination). 5 % from deposited cash amount (min. EUR ) This fee can be applied together with the cash recalculation fee) (when there is no a sufficient amount at the Bank and it is ordered from the Bank of Lithuania or recalculation centre). 5. Banknote recalculation and verification without any other operations EUR 0.0 per banknote Cash deposit fee shall not be applied if the Customer deposits cash in euro to the account and immediately in the Bank's unit submits a payment order to transfer the deposited amount into his other or other customer's account with the Bank or into another bank. Or to the co-owners account (to under-aged accounts when deposit is made by parents, care-takers, adoptive parents) 4 Cash is paid in Euro and foreign currency banknotes and in Euro coins. If part of the amount paid out to the Customer cannot be paid in coins of the foreign currency or there is no a sufficient amount of foreign currency banknotes in the cash register, then this amount shall be converted to euros at Basic currency rate established by the Bank on that day. 4 Also free of charge in case of deposits concluded by May 07 when the deposit maturity is 90 days or more, the deposit agreement has not been terminated prior to its maturity and funds to the deposit account have been placed not in cash. 5 Also the withdrawal of part of the deposit without termination of the deposit agreement or deposit termination due to special circumstances, which are published on the Bank's website IV. TRADING IN FOREIGN CURRENCY Fee for a transaction of purchase or sale of the foreign currency cash ( in banknotes) To corporate and private customers EUR.50 V. ADMINISTRATION OF CASH COLLECTION/DELIVERY To corporate customers. Administration of collected cash :.. for euro banknotes free of charge.. for euro coins 0,6 % from the amount (min. EUR 3 ).3. in other currencies 0, % from the amount (min. EUR 3 ). Administration of order to deliver cash :.. to Euro banknotes and coins 0,0 % from the amount (min. EUR 3 ).. in other currencies 0,6 % from the amount (min. EUR 3 ) The fee shall apply to the Customers whose cash is delivered to the Bank or is delivered using collection services provided by the third parties hired by the Customer. VI. DOCUMENTARY SETTLEMENTS AND GURANTEES To corporate and private customers. DOCUMENTARY COLLECTION.. Export collection:... collection of documents 0,5 % (min. EUR 35, max.. EUR 00 )... amendment of the collection conditions EUR 0..3 enquiry-research (upon the Customer's request) EUR 0 in accordance with the correspondence dispatch... document despatch fees applicable to the Customer.. Import collection:... notification on receipt of the collection EUR 30 5

6 ... notification on receipt of amended conditions of the collection EUR settlement of documents 0,5 % (min. EUR 35, max.. EUR 00 )..4. storage of documents (if they are not paid or not accepted within 5 days from the date the notification regarding receipt of collection was sent to 30 EUR (per month or its part) the Customer)..5. storage of documents (if they are not paid or not accepted within 5 days from payment date) 30 EUR (per month or its part)..6. storage of the accepted bills of exchange until the settlement date EUR enquiry-research (upon the Customer's request) EUR return of unpaid documents (paid by a collection applicant) or transfer without a settlement 0,5 % (min. EUR 35, max.. EUR 00 )..9. objection EUR 70 and charges of a notary public..0. assignment of rights to a parcel (paid by a collection applicant) EUR document despatch in accordance with the correspondence dispatch fees applicable to the Customer. DOCUMENTARY LETTERS OF CREDIT.. Export letters of :... notification about a letter of * EUR notification about amendment of conditions in the letter of EUR confirmation of a letter of Under agreement (min. EUR 00 )..4. verification / acceptance of documents (per set) 0,5 % (min. EUR 75 )..5. settlement of documents (executing a letter of in the Bank) 0,05 % (min. EUR 45 )..6. notification regarding transfer of funds under a letter of EUR transfer of a letter of 0, % (min. EUR 90 )..8. monitoring of the postponed payment EUR transfer of received funds to other beneficiary EUR prepayment of the documents of the letter of EUR 45 and contractual interest... verification of documents in advance (per each set of documents) EUR inquiry - research (upon Customer's request) EUR document dispatch in accordance with the correspondence dispatch fees applicable to the Customer..4. letter of notification to clients of other banks EUR notification on amendments to letter of conditions clients of other banks EUR 00.. Import letters of :... issue of a letter of EUR amendment of the conditions of the letter of /documentary letter of EUR verification of documents (per each set of documents) 0,5 % (min. EUR 75 )..4. settlement of documents 0,05 % (min. EUR 30 max. EUR 60 )..5. cancellation of the letter of or failure to use it EUR enquiry-research (upon the Customer's request) EUR fee of documentary inadequacy (paid by the beneficiary of the letter of ) EUR monitoring of the postponed payment EUR document despatch in accordance with the correspondence dispatch fees applicable to the Customer 3. BANK'S GUARANTEES 3..issue of a guarantee : 3... amount of a guarantee up to EUR % of annual interest rate (min EUR 65 ) 3... amount of a guarantee between EUR 500 and EUR % of annual interest rate (min EUR 80) amount of the guarantee amounting to EUR and more ( 0.5 % of annual interest rate (min EUR 90 ) 3.. amendment to guarantee conditions EUR amendment to guarantee conditions (extension, increase of the amount) 0.5 % of annual interest rate (min EUR 30 ) 3.4. administration of a claim to pay under the guarantee 0, % (min. EUR 00 max EUR 300 ) 3.5. notification about the received guarantee or amendment of its conditions EUR assignment of a claim to pay under the guarantee EUR annulment of the application to grant a guarantee EUR confirmation of authentication of the received guarantee or its amended conditions EUR inquiry - research (upon customer's request) EUR document dispatch According to prices applied to sending of the clients' correspondence If a letter of issued without depositing the Customer's funds, a commitment fee is charged additionally Interest shall not be paid for the funds deposited for the issue of the letter of. If a guarantee is issued without depositing the Customer's funds, a commitment fee is charged additionally Interest shall not be paid for the funds deposited for the issue of the guarantee. 6

7 VII. CREDITS, FACTORING AND LEASING Effective since 07/09/07. CREDITS FOR PRIVATE CUSTOMERS.. administration fee for conclusion of the agreement, its extension or increase of the amount thereof ( (a single time fee calculated from the amount specified in the agreement) To private customers 0,30 % from the amount (min. EUR 30 ).. the fee applicable to amendment of other agreement conditions EUR Early repayment fee (applicable for Mortgage and Real Estate loans) (effective since 07/07/07) On the interest payment day - free of charge On other days no more than 3% of the amount of the repaid or its part thereof. The exact amount shall be determined in accordance with the Rules for compensation for the repayment of related to real estate before the expiry of the agreement " approved by the Bank of Lithuania..4. early repayment fee (applicable to other s for private persons).5 % from the early repaid amount.5. commitment fee (calculated from the unused amount) 0.30 % of annual interest. CONSUMER CREDITS:.. administration fee,0 % (min. EUR 30 ).. fee of amendment of agreement conditions EUR CREDITS FOR STUDIES: 3.. document analysis fee EUR administration fee (a single time fee calculated from the amount specified in the agreement) 0,5 % (min. EUR 8.96 ) 3.3. fee of amendment of agreement conditions EUR preparation of -related documents (certificates, consents, permissions, confirmations) EUR 5 Effective since 0/0/07 To corporate customers. CORPORATE CUSTOMERS :.. document analysis and certificate preparation fee (once the agreement is concluded it is included into the administration fee) from 0,35 % (min. EUR 50 ).. administration fee for conclusion of the agreement, its extension or increase of the amount thereof ( (a single time fee calculated from the amount from 0,7 % (min. EUR 50 ) specified in the agreement).3. commitment fee (calculated from the unused amount) from 0.5 % of annual interest.4. the fee applicable to amendment of other agreement conditions from 0,5 % (min. EUR 50 ).5. the fee applicable to analysis of the Customer's other request and preparation of documents from 0,5 % (min. EUR 50 ).6. early repayment fee:.6.. for s,0 % (min. EUR 50 ).6.. to lines and Bank account s not applied. FACTORING :.. document analysis and certificate preparation fee (once the agreement is concluded it is included into the administration fee).. administration fee for conclusion of the agreement, its extension or increase of the amount thereof ( (a single time fee calculated from the factoring limit amount specified in the agreement).3. fee of invoice acceptance: To corporate customers from 0,35 % (min. EUR 50 )+ VAT from 0,7 % (min. EUR 50 )+ VAT 0.4 % from the invoice amount (min. EUR 3 )+ VAT.4. the fee applicable to amendment of other agreement conditions min. EUR 00 + VAT.5. risk assessment of buyers, whose registered office is in Lithuania, Latvia and Estonia EUR 35 + VAT.6. risk assessment of buyers, whose registered office is outside Lithuania, Latvia and Estonia EUR 60 + VAT.7. for each notification to insurance company about the buyer's delay min. EUR 50 + VAT 7

8 Effective since 0/0/07 To corporate customers To private customers 3. LEASING 3.. Administration fee for leasing agreement conclusion (a single time fee calculated from the price of assets specified in the agreement) 3... if object of a lease is a car, and: 3... price of assets is from EUR from 0,7 % (min. EUR from 0,7 % (min. EUR 5 ) 5 ) 3...rice of assets is between EUR EUR and EUR from 0.5 % from 0.5 % price of assets is from EUR from 0.3 % from 0.3 % 3... if object of a lease is other asset from 0,7 % (min. EUR 50 ) from 0,7 % (min. EUR 5 ) 3.. Administration fee for operating leasing agreement conclusion (a single time fee calculated from the price of assets specified in the agreement) from,5 % (min. EUR 50 ) 3.3. The fee applicable to amendment of agreement conditions from 0,5 % (min. EUR from 0,5 % (min. EUR 50 ) 5 ) 3.4. The fee applicable to analysis of the Customer's other request and from 0,5 % (min. EUR preparation of documents 50 ) from 0,5 % (min. EUR 5 ) 3.5. fee of early redemption.0 % not applied The exact size of a fee shall be defined by the Bank to each Customer individually after assessing the -related documents and/or the Customer's particular request. VIII. ASSESMENT OF THE PLEDGED ASSESTS To corporate and private customers. Real estate assessment:.. assessment of apartment EUR assessment of household EUR evaluation of administrative, production buildings, outbuildings, their premises, and commercial objects EUR Evaluation of a plot of land EUR Assessment of moveables: EUR IX. INVESTMENT SERVICES To corporate and private customers SERVICE FEE. Opening of securities (S) account Free of Charge. Opening of personal securities account with central securities depository as agreed 3. Trade in shares and funds units of which are traded on the stock exchange (ETF) On-line in the bank's outlet, by telephone 3.. Europe: - Lithuania, Latvia, Estonia 0,0 % (min. EUR.5 ) 0,65 % (min. EUR 5 ) - Ireland (in case of purchase an additional stamp duty of.00 per cent shall be applied) 0,30 % (min. EUR 30 ) 0,50 % (min. EUR 40 ) - Austria 0,40 % (min. EUR 35 ) 0,50 % (min. EUR 45 ) - Belgium 0,30 % (min. EUR 30 ) 0,50 % (min. EUR 40 ) - Bulgaria 0,50 % (min. EUR 75 ) 0,80 % (min. EUR 00 ) - Czech Republic 0,50 % (min. EUR 70 ) 0,70 % (min. EUR 90 ) - Denmark 0,30 % (min. EUR 35 ) 0,50 % (min. EUR 45 ) - UK (in case of purchase an additional stamp duty of 0.50 % per cent shall be apply) 0,30 % (min. EUR 35 ) 0,50 % (min. EUR 45 ) ETF, depositary receipts regarding shares (GDR/ADR) 0,40 % (min. USD 55) 0,40 % (min. USD 60) - Greece (in case of purchase an additional stamp duty of 0.0 % per cent shall apply 0,70 % (min. EUR 80 ) 0,70 % (min. EUR 00 ) - Georgia,50 % (min. EUR 30 ),50 % (min. EUR 50 ) - Spain 0,30 % (min. EUR 35 ) 0,50 % (min. EUR 45 ) - Italy (in case of purchase an additional financial transaction feeup to 0. % shall apply) 0,30 % (min. EUR 35 ) 0,35 % (min. EUR 40 ) - Croatia 0,70 % (min. EUR 30 ) 0,90 % (min. EUR 40 ) - Poland 0,30 % (min. EUR 5 ) 0,40 % (min. EUR 0 ) 8

9 - The Netherlands 0,30 % (min. EUR 35 ) 0,35 % (min. EUR 45 ) - Norway 0,30 % (min. EUR 35 ) 0,50 % (min. EUR 45 ) - Portugal 0,30 % (min. EUR 35 ) 0,35 % (min. EUR 45 ) - France (in case of purchase an additional financial transaction fee of 0.3 % shall apply) 0,30 % (min. EUR 40 ) 0,35 % (min. EUR 45 ) - Romania 0,60 % (min. EUR 35 ),00 % (min. EUR 75 ) - Russia MOEX 0,35 % (min. EUR 5 ) 0,50 % (min. EUR 35 ) - Serbia,00 % (min. EUR 00 ),0 % (min. EUR 0 ) - Slovakia 0,60 % (min. EUR 40 ) 0,90 % (min. EUR 50 ) - Slovenia 0,90 % (min. EUR 80 ),0 % (min. EUR 30 ) - Finland 0,30 % (min. EUR 30 ) 0,35 % (min. EUR 40 ) - Sweden 0,5 % (min. EUR 35 ) 0,30 % (min. EUR 45 ) - Switzerland 0,30 % (min. EUR 40 ) 0,50 % (min. EUR 50 ) - Turkey 0,60 % (min. EUR 35 ) 0,90 % (min. EUR 45 ) - Hungary 0,60 % (min. EUR 45 ) 0,80 % (min. EUR 55 ) - Germany Xetra 0,30 % (min. EUR 0 ) 0,35 % (min. EUR 5 ) - Germany Frankfurt 0,40 % (min. EUR 30 ) 0,50 % (min. EUR 35 ) 3.. America: - USA (not less than 0.0 USD per share) 0,5 % (min. USD 0 ) 0,30 % (min. USD 5 ) - Canada (not less than 0.0 USD per share) 0,5 % (min. EUR 30) 0,30 % (min. EUR 35) 3.3. Asia/Pacific Ocean countries: - Australia, the minimum size per transaction PER ,60 % (min. EUR 50 ) - Hong Kong (additional stamp duties and trading taxes of 0.08 per cent shall apply) 0,70 % (min. EUR 70 ) - Japan, minimum amount of a transfer JPY ,80 % (min. EUR 60 ) - Singapore (additional stamp duties and trading taxes of 0.04 % shall apply) 0,70 % (min. EUR 80 ) 3.4. Market of other foreign countries as agreed 4. Trading in investment funds' units 4.. Bonds and money market funds 0,30 % (min. EUR 30 ) 4.. Shares and balanced funds 0,50 % (min. EUR 30 ) 4.3. Funds distributed by the Bank The fees specified in the fund prospectuses shall apply 5. Trading in debt securities Free of Charge 5.. When the Bank is a transaction party (in case of over-the-counter transaction); 5.. Lithuanian, Latvian, Estonian issuers' bonds, except Eurobonds 0,05 % (min. EUR 0 ) 5.3. ithuanian Govt. bond auctions on the NASDAQ Vilnius Stock Exchange 0,0 % (min. EUR 0 ) 5.4. Bonds of other foreign countries, eurobonds 0,0 % (min. EUR 5 ) 5.5. Bulgaria, Czech Republic, Greece, Croatia, Romania, Slovakia, Slovenia, Turkey, Hungary 0,0 % (min. 0.0 % (min. 55 Eur or 00 USD, if DVP transaction's3 currency is USD) 5.6. Unlisted debt financial instruments 0,0 % (min. EUR 0 ) 6. Securities safekeeping monthly fee 3 Market 6.. Lithuania % 6.. Latvia, Estonia % 6.3. Bosnia and Herzegovina, Kazakhstan, Russia % 6.4. Bulgaria, Czech Republic, Georgia, Hong Kong, Croatia, Poland, Romania, Serbia, Slovakia, Slovenia, Turkey, Hungary, Ukraine % 6.5. Ireland, Australia, Austria, Belgium, Denmark, Great Britain, Greece, Spain, Italy, Japan, the USA, Canada, Luxembourg, Norway, Netherlands, Portugal, Singapore, Sweden, Switzerland, Germany 0.04 % 6.6. Euro bonds % 6.7. Investment fund units 6.8. Unquoted financial instruments 0.05 % 0.005% 7. Operation fees Tax-free transfer of securities of the Lithuanian, Latvina and Estonian issuers to EUR 5 the accounting of another custodian 7.. Tax-free transfer of investment fund units registered in Lithuania to the EUR 7 accounting of another custodian 7.3. tax-free transfer of securities of foreign issuers EUR 0 + third party fees 7.4. tax-free transfer (acceptance) of securities of foreign issuers EUR 7 + third party fees 7.5. Execution of settlement when the bank acts as custodian of securities and / or funds EUR Amendment of a transaction, error correction, failure to confirm or annulment EUR 0 + third party fees 8. Registration of transactions concluded over-the-counter 5 9

10 8.. Registration of OTC transaction (purchase, sale, donation) of Lithuanian EUR 0 securities 8.. Registration of OTC transaction (purchase, sale, donation) of foreign securities EUR 0 + third party fees 8.3. Registration and settlement in USD of OTC transaction of foreign securities USD Preparation, registration and settlement of non-standard OTC transaction as agreed 8.5. Securities inheritance transaction (fee is paid by the securities recipient) EUR Conclusion, extension of securities repurchase (repo) transaction EUR Amendment of Securities repo transaction conditions, except term or repo. EUR Securities pledge 6 EUR Securities transaction in compliance with the stock report (the fee shall apply EUR 4 + third party fees to those who participate in stock events published by foreign companies that are not obligatory) 9. Provision of additional notifications, 7 statements, certificates under request Lithuanian English Delivery of information by mail According to fees applied to preparation of certificates and other confirmations: According to fees applied to dispatch of correspondence to the Client 0. Certificate to a foreign state (outside the EU) regarding paid taxes EUR 50 + third party fees. Other investment services.. Issue of the securities account statements from the accounting archives of the issuer s assignee by the type of activity (in cases when the issuer s securities accounting is no longer carried out by the issuer s assignee by the type of activity).. Provisions of copies of the securities transaction documents from the archive of the securities accounting documentation 5 EUR per one securities owner s statements from of issuer s securities accounts 3 EUR per page, however not exceeding 0 EUR.3. Other services as agreed * the transactions that are made in accordance with the principle of Delivery Versus Payment. A minimum transaction fee on the secondary market shall be collectively applied to all day transactions of one order. If a transfer is being executed for several days, a minimum fee shall be calculated for each day of transfer execution. Some foreign stock exchanges may apply minimum order size or minimum number of shares and their multiple. Some foreign countries additionally apply an additional financial transaction tax. The internet fee is applied on the transactions on special procedure markets. 3 Monthly fee for custody of securities shall be charged every month on the basis of the average value of balance of every securities account. Securities value shall be determined by the last price of securities quoted on the stock exchange. If a market price is not established and in case of all deb securities a fee shall be calculated according to the nominal value of the securities. In case of the investment funds' units - according to the last price published by the administrator. Minimum fee for custody of all securities - EUR Depository bills (ADR, GDR) may be additionally subject to the third-party charges. 4 If the Customer's securities are stored with the third parties (foreign depository, bank's and other custodians),the third-party charges include charges for securities transfer applied by the custodians to the bank.. 5 In case of registration of OTC transaction the fee is paid by both parties unless stated otherwise. In case of registration of OTC transaction of foreign securities, the charges established by third parties (foreign depositories, other intermediaries) shall be applied when securities are safe stored by these third parties. 6 Shall not apply if securities are pledged as collateral to ensure fulfilment of liabilities arising from embedded derivative agreement. 7 Additionally submitted documents shall mean such documents (statements, reports, certificates, etc.) which, upon the client s request, shall be submitted to the client additionally not including the documents which have to be provided by the bank to the client free of charge in compliance with the regulations. X. PAYMENT CARDS X.I. DEBIT CARD FEES FOR PRIVATE CLIENTS Debit Mastercard Maestro (not issued) Debit Mastercard / Maestro (for students, schoolchildren and seniors) (not issued). Issue and administration of payment cards.. card validity 3 years 3 years 3 years. currency of a main and/ or additional card account EUR EUR EUR.3 issue of a main and/ or additional card free of charge not available not available.4 monthly administration of a main and/ or additional card EUR ,4 EUR free of charge.5. update of a main and/or additional card after its expiry free of charge not updated 5 not updated 5.6. payment card replacement upon the Customer's request prior to the card's expiry EUR 5 EUR 5 5 EUR announcement of a payment card as invalid free of charge free of charge free of charge.8 payment for a purchase and service free of charge free of charge free of charge.9. dispatch of a new /updated/changed card by registered mail in Lithuania EUR 3 EUR 3 EUR 3 0

11 .0. dispatch of a new /updated/changed card by registered mail abroad EUR 6 EUR 6 EUR 6.. urgent dispatch of a new /updated/changed card by registered mail abroad EUR 60 EUR 60 EUR 60. urgent production of a main and/ or additional card EUR Placement of cash:.. At Šiaulių Bankas ATMS free of charge free of charge free of charge.. in the terminals Perlo paslaugos UAB EUR 0.40 EUR 0.40 EUR Cash withdrawal and other ATM transactions 3.. Cash withdrawal : 3... At Šiaulių Bankas ATMS 0,4 % (min. 0,4 % (min. EUR 0.40) EUR 0.40) Free of charge in the terminals Perlo paslaugos UAB 3..3 in the network of Lithuanian and foreign banks % (min. EUR 3 ) % (min. EUR 3 ) % (min. EUR 3 ) 3.. Other transactions at ATM card balance verification at Šiaulių Bankas ATMS free of charge free of charge free of charge 3... card balance verification at the ATMS of other Lithuania and foreign banks 3..3.printing of 5 (five) last transactions at Šiaulių Bankas ATMS free of charge free of charge free of charge printing of 5 (five) last transactions at the ATMS of other Lithuania and foreign banks 3..5.change of card PIN code at Šiaulių Bankas ATMS change of card PIN code at the ATMS of other Lithuania and foreign banks 4. Submission of a monthly statement on settlements with a payment card 4.. by mail (within Lithuania) EUR.00 EUR.00 EUR by mail (abroad) EUR 6.00 EUR 6.00 EUR Collection of documents justifying the completed transaction when settlement took place in Lithuania EUR 0 EUR 0 EUR 0 5..when settlement took place abroad EUR 5 EUR 5 EUR 5 6. Limits of transactions per day 6.. cash withdrawal transactions 6... amount EUR number of transactions (units) transactions of settlement for goods and services 6... amount EUR number of transactions (units) unlimited 6.3 Change of a transaction limit set for 4 hours upon the Customer's request EUR 6.00 EUR 6.00 EUR Conditions and fees of limit granting conclusion of an agreement - 7..free period of the usage period during which a limit should be covered 30 days 7.4 activation of the card after past due of the continuous period of the usage EUR 6.00 EUR 6.00 EUR Security programme (applicable to the selected card) EUR 0.90 EUR 0.90 EUR Currency conversion fee when currency of the settlement or cash withdrawal with card does not coincide with account currency.5 %.5 %.5 % Period of validity of debit cards issued to incapable or capable adults who are under the care in compliance with the court decision is years. The non-resident debit card issue / card renewal fee after the expiration of its validity period is.eur 5.0, calculated on the basis of the validity of the card and the fee indicated in item.4. 3 The monthly main and /or additional card administration fee shall not apply to non-residents. 4 Providing the client fails to take up the card or terminates the card before its expiry, the Bank shall debit the fee for the current month. 5 Maestro cards updated /changedover to Debit Mastercard payment cards. 6 If a Clients submit an application before :30 at noon on a business day, the produced card could be issued in the Bank's unit on the next business day, if the application is submitted after :30 at noon, the card will be issued in two business days 7 Cash withdrawal exceeding EUR 550 per month is subject to a fee of 0.4% min. EUR 0.40 from the amount over EUR If such service is provided in the ATM of other banks. 9 In the event of a claim, the fee shall apply if the customer's claims appear to be invalid. 0 If indebtedness occurs on the card account in this case it is recognized that the Bank has granted a Customer of the appropriate amount of limit.. Fee due for the Security programme applicable to the Card shall be deducted once a month (on the first calendar day of each months) from the Card account. The commission fee for the Security programme shall be paid for the current calendar month.

12 X.II. CREDIT CARD FEES FOR PRIVATE CLIENTS Mastercard Gold SB Lizingas MasterCard Mastercard Standard (not issued). Issue and administration of payment cards.. card validity 3 years 3 years 3 years. currency of a main and/ or additional card account EUR EUR EUR.3 issue of a main and/ or additional card EUR 4 free of charge (additional cards not available are not issued).4 administration of a main and/ or additional card EUR 3.50,3 (monthly) free of charge EUR.5 (monthly).5. update of a main and/or additional card after EUR 4 its expiry not updated EUR 5.6. payment card replacement upon the Customer's request prior to the card's expiry EUR 6 EUR 0 EUR announcement of a payment card as invalid free of charge free of charge free of charge.8 payment for a purchase and service free of charge free of charge free of charge.9. insurance against accidents - - free of charge.. dispatch of a changed card by registered mail in Lithuania EUR 3 EUR 3 EUR 3.. dispatch of a changed card by registered mail abroad EUR 6 EUR 6 EUR 6.3. urgent dispatch of a changed card by registered mail abroad EUR 60 EUR 60 EUR urgent production of a main and/ or additional card 5 EUR 5 EUR 5 -. Placement of cash:.. At Šiaulių Bankas ATMS free of charge free of charge free of charge.. in the terminals Perlo paslaugos UAB EUR 0.40 EUR 0.40 EUR Cash withdrawal and other ATM transactions 3.. Cash withdrawal : 3... At Šiaulių Bankas ATMS % (min. EUR 3 ) % (min. EUR 3 ) % (min. EUR 3 ) 3... in the terminals Perlo paslaugos UAB % (min. EUR 3 ) % (min. EUR 3 ) % (min. EUR 3 ) 3..3 in the network of Lithuanian and foreign % (min. EUR 3 ) % (min. EUR 3 ) banks % (min. EUR 3 ) 3.. Other transactions at ATM card balance verification at Šiaulių Bankas ATMS free of charge free of charge free of charge 3... card balance verification at the ATMS of other Lithuania and foreign banks 3..3.printing of 5 (five) last transactions at Šiaulių Bankas ATMS free of charge free of charge free of charge printing of 5 (five) last transactions at the ATMS of other Lithuania and foreign banks 3..5.change of card PIN code at Šiaulių Bankas ATMS change of card PIN code at the ATMS of other Lithuania and foreign banks 4. Submission of a monthly statement on settlements with a payment card 4.. by mail (within Lithuania) EUR EUR EUR 4.. by mail (abroad) EUR 6 not applicable EUR 6 5. Collection of documents justifying the completed transaction 7 5..when settlement took place in Lithuania EUR 0 5..when settlement took place abroad EUR 5 6. Limits of transactions per day 6.. cash withdrawal transactions 6... amount EUR 000 EUR 000 EUR number of transactions (units) transactions of settlement for goods and services

13 6... amount EUR 4000 EUR 4000 EUR number of transactions (units) unlimited unlimited unlimited 6.3 Change of a transaction limit set for 4 hours upon the Customer's request EUR 6 EUR 6 EUR 6 7. Conditions and fees of limit granting limit type without with the permanent with interestfree with the permanent without with the permanent With the interestfree 7.. conclusion of an agreement - free of charge free of charge - free of charge - 7..free period of the usage days days 7.3. period during which a limit should be covered 7.4. amendment of conditions of the limit usage 7.5 activation of the card after past due of the continuous period of the usage 30 days - EUR 6 as agreed 3 years 30 days as agreed as agreed EUR 0 - free of charge EUR 6 8. Security programme (applicable to the EUR 0.90 selected card) 9 - EUR Currency conversion fee when currency of the settlement or cash withdrawal with card does.5 %.5 %.5 % not coincide with account currency The non-resident debit card issue / card renewal fee after the expiration of its validity period is.eur 30, calculated on the basis of the validity of the card and the fee indicated in items.3. and.4. Providing the client fails to take up the card or terminates the card before its expiry, the Bank shall debit the fee for the current month. 3 The monthly main and /or additional card administration fee shall not apply to non-residents. 4 Mastercard Standard cards are not issued They are renewed /changed over to Debit Mastercard/Mastercard Gold cards. 5 If a Clients submit an application before :30 at noon on a business day, the produced card could be issued in the Bank's unit on the next business day, if the application is submitted after :30 at noon, the card will be issued in two business days 6 If such service is provided in the ATM of other banks. 7 In the event of a claim, the fee shall apply if the customer's claims appear to be invalid. 8 If indebtedness occurs on the card account in this case it is recognized that the Bank has granted a Customer of the appropriate amount of limit.. 9 Fee due for the Security programme applicable to the Card shall be deducted once a month (on the first calendar day of each months) from the Card account. The commission fee for the Security programme shall be paid for the current calendar month. X.III. PAYMENT CARDS FEES TO CORPORATE CUSTOMERS Maestro Business not issued DEBIT CARDS Debit Mastercard Business CREDIT CARDS Mastercard Business. Issue and administration of payment cards.. card validity 3 years 3 years 3 years. currency of a main and/ or additional card account EUR EUR EUR.3 issue of a main and/ or additional card not available free of charge EUR 0.4 monthly administration of a main and/ or additional card EUR EUR 0.70,3 EUR update of a main and/or additional card after its expiry not updated 4 free of charge EUR 0.6. payment card replacement upon the Customer's request prior to the card's expiry EUR 5 4 EUR 5 EUR 6.7 announcement of a payment card as invalid free of charge free of charge free of charge.8 payment for a purchase and service free of charge free of charge free of charge.9. dispatch of a changed card by registered mail in Lithuania EUR 3 EUR 3 EUR 3.0. dispatch of a changed card by registered mail abroad EUR 6 EUR 6 EUR 6.. urgent dispatch of a changed card by registered mail abroad EUR 60 EUR 60 EUR 60. urgent production of a main and/ or additional card - EUR 5 5 EUR 5 6. Placement of cash:.. At Šiaulių Bankas ATMS free of charge free of charge free of charge.. in the terminals Perlo paslaugos UAB EUR 0.50 EUR 0.50 EUR Cash payment (withdrawal) and other ATM transactions 3

14 3.. Payment (withdrawal) of cash from 3... At Šiaulių Bankas ATMS 0,45 % (min. EUR ) 0,45 % (min. EUR ),5 % (min. EUR ) 3... in the terminals Perlo paslaugos UAB 0,45 % (min. EUR ) 0,45 % (min. EUR ),5 % (min. EUR ) 3..3 in the network of Lithuanian and foreign banks % (min. EUR 3 ) % (min. EUR 3 ) % (min. EUR 3 ) 3.. Other ATM operations card balance verification at Šiaulių Bankas ATMS free of charge free of charge free of charge 3... card balance verification at the ATMS of other Lithuania and foreign banks 3..3.printing of 5 (five) last transactions at Šiaulių Bankas ATMS free of charge free of charge free of charge printing of 5 (five) last transactions at the ATMS of other Lithuania and foreign banks 3..5.change of card PIN code at Šiaulių Bankas ATMS change of card PIN code at the ATMS of other Lithuania and foreign banks 4. Submission of a monthly statement on settlements with a payment card 4.. by mail (within Lithuania) EUR EUR EUR 4.. by mail (abroad) EUR 6 EUR 6 EUR 6 5. Collection of documents justifying the completed transaction 7 5..when settlement took place in Lithuania EUR 0 5..when settlement took place abroad EUR 5 6. Limits of transactions per day 6.. cash withdrawal transactions 6... amount EUR 000 EUR 000 EUR number of transactions (units) transactions of settlement for goods and services 6... amount EUR 4000 EUR 4000 EUR number of transactions (units) unlimited unlimited unlimited 6.3 Change of a transaction limit set for 4 hours upon the Customer's request EUR 6 EUR 6 EUR 6 7. Conditions and fees of limit granting 8 : 7.. limit type not granted not granted 7.. conclusion of an agreement without with the revolving 0.7 % from the limit (min. EUR 5 ) with the permanent 0.7 % from the limit (min. EUR 5) 7.3. period during which a limit should be covered 30 days 30 days 30 days as agreed 7.4 activation of the card after past due of the continuous period of the usage EUR 6 EUR 6 EUR 6 8. Security programme (applicable to the selected card) 9 EUR 0.90 EUR 0.90 EUR Currency conversion fee when currency of the settlement or cash withdrawal with card does not coincide with account currency.5 %.5 %.5 % The non-resident debit card issue / card renewal fee after the expiration of its validity period is.eur 5.0, calculated on the basis of the validity of the card and the fee indicated in items.3 and.4. The monthly main and /or additional card administration fee shall not apply to non-residents. 3 Providing the client fails to take up the card or terminates the card before its expiry, the Bank shall debit the fee for the current month. 4 Maestro Business cards are renewed/chanhed over to Debit Mastercard Business cards. 5 If a Clients submit an application before :30 at noon on a business day, the produced card could be issued in the Bank's unit on the next business day, if the application is submitted after :30 at noon, the card will be issued in two business days 6 If such service is provided in the ATM of other banks. 7 In the event of a claim, the fee shall apply if the customer's claims appear to be invalid. 8 If indebtedness occurs on the card account in this case it is recognized that the Bank has granted a Customer of the appropriate amount of limit.. 9 Fee due for the Security programme applicable to the Card shall be deducted once a month (on the first calendar day of each months) from the Card account. The commission fee for the Security programme shall be paid for the current calendar month. 4