PRICE LIST for Customers from the strategic-corporate segment

Transcription

1 Bank Millennium SA ul. Żaryna 2 A Warszawa TeleMillennium: PRICE LIST for Customers from the strategic-corporate segment In force as of June 1 st 2011 Page 1 from 15

2 TABLE OF CONTENTS GENERAL PRINCIPLES FOR COLLECTING BANKING FEES AND COMMISSIONS... 3 BANK ACCOUNTS... 3 LOANS... 7 GUARANTEES AND SURETIES... 8 DOCUMENTARY LETTERS OF CREDIT (L/C)... 9 COLLECTIONS BANK CARDS FACTORING SERVICES CUSTODIAL SERVICES VARIOUS ORDERS POSTAL AND TELECOMUNICATIONS FEE INTEREST RATES INFORMATION ABOUT DEPOSIT S GUARANTEE SYSTEM Page 2 from 15

3 PART I GENERAL PRINCIPLES FOR COLLECTING BANKING FEES AND COMMISSIONS 1. Price list for clients from the strategic-corporate segment, hereinafter referred to as Price list lays down the principles of provision of services in favour of Clients applied by Bank Millennium S.A., fees and commissions, collected for performance of the stipulated banking activities and interest rate for banking products covered by the Price list. 2. The expressions used in this Price List shall have the following meanings: a) Bank - Bank Millennium Spółka Akcyjna, b) Outlet - an outlet of the Bank providing customer service, c) Current account Client s bank account kept at the Bank, d) Person ordering the transaction Client, who holds current account, hereinafter referred to as Account Owner or who does not have account, but use the Bank s services. 3. All and any bank fees and commissions shall be paid by the person ordering the bank transaction, unless the agreement or the order specify otherwise. 4. Fees and commissions charged on cash transactions should be collected upon performance of the transaction. 5. Fees and commissions charged against the current account shall be payable with the funds from the account, which the transaction concerns, unless the agreement concluded with the Bank or the Account Owner s order specify otherwise. 6. If there are no funds on the account (when the fees and commissions are collected from the current account) the Bank reserves the right to debit the account with the fees and commissions due to the Bank in an amount exceeding the funds available on the account. 7. The fees and commissions specified in the Price List shall be accrued and collected on the day of order submission or execution of the transaction, on a monthly basis or in other periods agreed with the Account Owner. The fees and commissions concerning Custodial Services shell be collected up to 10th every month or in other periods agreed with the Account Owner. 8. The fees for maintenance of a current account in foreign currency are collected from the zloty current account, which was the earliest to be opened at the Bank, or from another current account provided by the Account Owner. 9. Fees and commissions are collected in zloty, subject to item In calculating the amount of due fee or commission, an amount below half grosz shall be rounded-down to a full grosz, while an amount equal to or higher than half a grosz shall be rounded-up to a full grosz. 11. The Bank shall collect fees and commissions in foreign exchange: a) Due on FX loans granted when the current account kept in the currency of the loan is specified in the loan agreement for servicing payments of Bank s loan receivables, including fees and commissions; if the fee or commission is expressed in the Price list as an amount and in złoty, then for collection purposes it is subject to conversion into the loan s currency, b) Due on other FX bank operations provided it is stipulated in the Price list or agreement concluded with the Client. 12. To determine due amount of fee or commission, the Bank shall perform conversions at the rate as per the FX Table in force in the Bank as of the day of collection from the current account and this in case of: a) Fees or commissions established in złoty and collected in foreign currency the Bank shall convert at the average Bank rate, b) Fees and commissions set in foreign exchange and collected in zloty the Bank shall convert at the average Bank rate, provided no other rate was stipulated in the definition of fee, commission or in the Client s agreement. 13. For conversions referred to in item 12 an individual rate may be applied, as agreed with the Client, in accordance with the FX table in force at the Bank. 14. The fees and commissions charged by the Bank are not refundable. The Bank shall refund a fee, commission or its part in case of relevant unjustified collection or incorrect accrual. 15. In justified individual cases the Bank may agree with the Account Owner a different amount/rate of fee and commission than the one indicated in the Price List. 16. Fees and commissions for non-standard operations that are not stipulated in the Price List shall be accrued at the Bank s discretion. 17. The Bank shall inform Customers about changes of the Price List by displaying information in the Bank s premises and in keeping with the provisions of the agreement concluded with the Account Owner. 18. The Price List does not constitute an offer in the meaning of the Civil Law. The existence of a specific item in the Price List does not oblige the Bank to sell the relevant product/service. 19. Irrespective of the fees and commissions stipulated in the Price list the Bank shall also collect fees and commissions and other costs charged by third banks (domestic and foreign) acting as intermediaries in performing the order in the amount specified by these banks. PART II BANK ACCOUNTS 1. Open a bank account in PLN 1.1 Settlement (current or auxiliary) account in PLN and foreign currencies Payroll account Term deposits Escrow, restricted and fiduciary account Individual conditions defined in agreement 2. Bank account maintenance in PLN 2.1 Settlement (current or auxiliary) account in PLN KORPORACJA Millennium Account 70 monthly 2.2 Payroll account 70 monthly 2.3 Accounts used to a collect resources of company social funds 50% of the base rate monthly 2.4 Settlement (current or technical) account in FX 30 monthly 2.5 Auxiliary account to settle term deposit/loans/foreign exchange Fiduciary account for developers 500 monthly 2.7 Escrow, restricted, fiduciary account Individual conditions defined in agreement 2.8 Other fees concerning Escrow, restricted and fiduciary account Individual conditions defined in agreement 2.9 EUROMillennium account 0 3. Cash deposits in PLN 3.1 to PLN account kept in the Bank made in the following form: 1) open - made by the Account owner 0,60% min 7, charged to Owner s account - made by third persons 0,60% min 7, charged to the payer - made by third persons pursuant to arrangements between Account owner and the Bank 0,60% min 7, charged to Owner s account 2) closed - in cashier-desk 0,40% min 7 - night treasury (trezor) 0,40% min 7 - car cash collection or deposits directly to the Bank s subcontractors 0,30% min 7 - and for cash collection in the zone or out of the zone Individual conditions 3.2 to FX account kept in the Bank made in the following form: 1) open - made by the Account owner 0,60% min 7, charged to Owner s account - made by third persons 0,60% min 7, charged to the payer Page 3 from 15

4 - made by third persons pursuant to arrangements between Account owner and the Bank 0,60% min 7, charged to Owner s account 2) closed - in cashier-desk 0,40% min 7 - night treasury (trezor) 0,40% min 7 - car cash collection or deposits directly to the Bank s subcontractors 0,30% min 7 - and for cash collection in the zone or out of the zone Individual conditions 1/. The Bank does not accept payments in FX in coins. 2/ In case if total sum everyday closed deposits and / or received by car cash collection in the zone and / or received by car cash collection out of the zone, on the Customer account is higher than PLN (or equivalent of FX) Bank performs blockage of surplus ,- PLN to the moment of calculating it. 3/ Conditions of receiving cash deposit: - closed in cashier-desk: release of the blockade not later then: 1) next working day before A.M. for payments accepted before P.M. 2) second working day before A.M. for payments accepted after P.M. - closed in night treasury (trezor) - release of the blockade not later then second working day before A.M. - car collection in the zone: Collection of deposits requires ordering of the transport at least 3 hours before payment. In case of cash collection before 3 p.m. on the Bank working day (from Monday till Friday, excluding holidays) inflow into the pointed out C/A is made on the day of collection, funds are available till on the next Bank working day. In case of cash collection after 3 p.m. on the Bank working day (from Monday till Friday, excluding holidays) inflow in the C/A is made and funds are available till on the next Bank working day In case of cash collection on holidays, Saturdays and Sundays inflow into the C/A is made and funds are available till on the next Bank working day - car collection out of the area: Cash collection requires transport order. In case of ordering the transport till 10 a.m. on the Bank working day (from Monday till Friday excluding holidays) inflow in the C/A and funds are available till a.m. on the next working day. 4/ If differences are found when counting cash deposits in a closed form and/ or cash collection, the previously charged commission shall not be adjusted if the adjustment to the commission amounts up to PLN 10 inclusively. 5/ The zone " shall mean the following cities: Gdańsk, Szczecin, Bydgoszcz, Białystok, Poznań, Warszawa, Wrocław, Katowice, Rzeszów, Olsztyn and their suburbs. The Bank shall each time confirm if the given Customer location is within the zone, or outside. 6/ The Bank does not provide the Clients with safe envelopes for the cash deposits. 4. Cash withdrawals in PLN 4.1 In cash from PLN accounts 1) based upon disposition of withdrawal 0,10% min 5,00 PLN 2) In cheque withdrawals from bank accounts in PLN 0,50% min 5,00 PLN + commission is taken from user 3) through car cash collection 0,20% min 5 PLN - and for cash collection in and out of the zone individual conditions 4.2 In cash from FX account 1) based upon disposition of withdrawal 0,10% min 5,00 PLN 2) through car cash collection 0,20% min 5 PLN - and for cash collection in and out of the zone individual conditions 4.3 failure to pickup the cash withdrawal at the time agreed upon with the Bank s organizational unit 0,15% computed on the unused amount 4.4 without prior notification 0,50% Withdrawal of the amount higher than that stipulated in the bank account agreement without stipulated term of notice 1/ Owner of the account will advice cash structure and cash withdrawal: - Above 20,000 PLN at least one day before, up to AM - Up to 10,000 USD or EUR at least one day before, up to Above 10,000 USD or EUR or in other currencies included in the Currency Exchange Table of Bank Millennium, without maximum limit requested at least two days before, up to in other tradable currencies listed in the Currency Exchange Table of Bank Millennium, at least 2 business days prior to the intended cash collection, up to / Conditions of cash disbursement as a car collection: - Cash disbursement in PLN requires transport order till on the working day before disbursement - Cash disbursement in F/X requires transport order till 14.00, 2 working days before disbursement. Bank is blocking the respecting amount based on the Cash transport order and it is done on the day of receiving the request for the amount of the order increase by the transaction fee. Release of the blockage and debiting the Customer account for the amount of the order and the transaction fee, takes place before P.M. on the day of the transport. 3/ Bank stipulates the possibility to make changes to the structure of closed withdrawal even if it was specified by Customer in different way. 5. FX exchange and replacement in PLN exchange of one foreign exchange into another foreign exchange made as a change in the balances on 5.1 FX accounts cash replacement replacement of currency notes into other notes of this currency 2% on the replacement amount; min 20 1/. Bank does not accept FX deposits in coins. 2/. Fees are not collected for one-off PLN cash withdrawals with 5 banknotes or coins. 6. Payments defined in a branch or through the TeleMillennium (including invoice payments) 6.1 Define, change In ATM of Millennium through TeleMillennium - to account in the Bank 5 - to account in other bank 8 Service available for owners of Millennium VISA Executive Electron. 7. Transfers: in PLN per each transfer 7.1 Internal in PLN : 1) made between accounts of a single Account Holder 0 2) made through Bank s branch (including TransBank) to other account PLN for transfers on non-standard form 3) through TeleMillennium 4 4) through electronic banking (ESOBIG or Millenet) Internal in FX : 1) made between accounts of a single Account Holder 0 2) made through Bank s branch to other account PLN for transfers on non-standard form 3) through electronic banking (ESOBIG or Millenet) 0 Page 4 from 15

5 7.3 in PLN made to accounts in other banks: 1) through Bank s branch (including TransBank) PLN for transfers on non-standard form 2) through TeleMillennium 7 3) through ESOBIG 2,50 4) through Millenet 2,00 5) Through SORBNET (regardless of the form of payment delivery) - order equal to PLN or higher 10 - order for less than PLN In FX made to accounts in other domestic and foreign banks and in PLN made to accounts in foreign banks depending on the execution mode chosen*: 1) through Bank s branch standard 0,25% min 17, max 170 2) through ESOBIG standard 0,25% min 17, max 170 3) through Millenet standard 0,25% min 17, max 170 4) through Bank s branch urgent 0,25% min 17 max additional fee 50 * 5) through Millenet urgent 0,25% min 17 max additional fee 50 * 6) through Bank s branch express 0,25% min 17 max additional fee 100 * 7) through ESOBIG express 0,25% min 17 max additional fee 100 * 8) through Millenet express 0,25% min 17 max additional fee 100 * 7.5 Stopping execution of withdrawal order in foreign bank Supplementation of the content of withdrawal order or change in the data on the order SEPA transfer order in EUR 0,25% min 5 max Additional fee for OUR option (all the costs covered by the Orderer)* 100 1/ Fees shall not be charged if the order instructions result from the Bank s internal procedures. 2/ In the case of mass transfer orders (possible only in electronic form and with the use of TransBank application based on the Mass Transfer Schedule ) fees are collected for every transfer item. 3/ The TransBank application does not handle transfers: - in favour of ZUS - in favour of Tax Office - in the SORBNET system for less than PLN 4/ All transfers of amounts equal to or higher than PLN are made through the SORBNET system Order of Chairman of the NBP no: 6/2000, amended with the ordinances 15/2001, 14/ / As regards actions stipulated at items 8.4 contractor is charged for additional fees from foreign bank. 6/ TeleMillennium: - maximum daily transaction limit: ,00 PLN - transactions of PLN ,00 and over are confirmed by telephone. 7/ SEPA transfer - payment in EUR currency, sent to an account held with a bank being a participant of SEPA Credit Transfer. It is required to provide beneficiary' s account number in IBAN format and beneficiary's bank BIC code. The obligatory option cost is SHA. SEPA transfers can be executed within the European Union and Norway, Lichtenstein, Iceland and Switzerland. Whenever a transfer does not comply with SEPA transfer order requirements or the Orderer asked for earlier value date, the payment will be processed through correspondent banking or through TARGET2 system (starting from ). 8/ Transfers with future execution date (with execution date later than day of placement with the Bank) Transfers with future date without the possibility of selecting the option of blocking the transfer amount can accepted for execution in Millenet, ESOBIG and TransBank. In an outlet of the Bank instructions for execution of a transfer with a future date (also with possible blockage of the loan amount) shall be accepted for execution provided that it is submitted personally in writing in the outlet by persons authorized to dispose of the account in keeping with the valid signature specimen card. Instructions for a transfer with a future date (also with possible blockage of the transfer amount) may be placed via TeleMillennium telephone through a TeleMillennium Consultant. If the Customer chooses the option of future date transfer order amount blockage, at the same time the amount of the transfer fee as at the day of placing the order shall also be blocked. 9/ In foreign transfers, including transfers in foreign currency in favour of another domestic bank, favouring beneficiaries from the European Union plus Norway, Liechtenstein and Iceland, beneficiary's account number in IBAN format and BIC of the beneficiary's bank are required. Transfers, in which these parameters will not be specified, will be rejected. 10/ In case of discrepancy between BIC code given in the payment order and other bank s details given in the payment order, the BIC code given is taken into consideration. 11/ Costs of the third party banks, other than the one mentioned in the point 7.8, shall be deducted separately, in accordance with the point 19, Part I. 12/ Execution mode determines the date of transferring the funds by Bank Millennium to the beneficiary s bank: 1) standard means that funds will be transferred to the beneficiary s bank with spot (D+2) value date, 2) urgent means that funds will be transferred to the beneficiary s bank with D+1 value date, 3) express means that funds will be transferred to the beneficiary s bank with D value date. The above mentioned value dates might vary depending on the holiday calendar in force for a country/ currency involved. With effect from 6 December 2010, express transfers in EUR currency, which can be qualified for processing through TARGET2 system, are automatically processed through this system. For AUD, CAD, CHF, JPY only standard mode is available. For transfers in PLN currency the modes available are "standard" and "express Full list of cut off times and execution modes is available on Bank Millennium Internet site. * Additional fees (50 and 100 PLN) mentioned in the points of the price list are additional to the basic fee for foreign transfers (points of the Price List). 8. Standing orders in PLN 8.1 Standard orders 1) acceptance/ change of the standing order - in a branch 4 - Millenet 0 2) annulling of the standing order 0 3) execution of a single standing order to another account kept in the Bank - placed in a Branch 3 - via Millenet 0,50 4) execution of a single standing order to another bank - placed in a Branch 4 - via Millenet 1, Non-standard performance 1) acceptance of the one-off order 10 2) acceptance/change of a standing order disposal 50 3) annulling of a disposal 0 4) execution of a single standing order (for each transfer) 30 + transfer fee 9. Postal orders in PLN 9.1 sending postal order by the Polish Mail 1% + 5, execution of postal order by the Bank 2, postal order return receipt confirmation issue by the Polish Mail 1, postal order return by the Polish Mail 5,20 Page 5 from 15

6 9.5 execution of postal order return by the Bank 2,50 Actions defined in items 9.1, 9.3, 9.4 fees depend on the Polish Mail Price list. 10. Cheques: in PLN issuance of cheque blank forms (multiplicity of 3 forms) in domestic turnover: in branch 6 for every 3 blank cheque forms - through TeleMillennium confirmation of a cheque 30 for each cheque 10.3 sale of banker s cheques payable abroad 0,50% min. 20, max stop payment disposal for Banker s cheques collection of cheques: 1) issued / sold abroad, payable in the Bank with instructions to credit account in the Bank 0,20% min 20, max 250 2) ) issued / sold abroad, payable in the Bank with instructions to execute in another form than that stipulated in item 1 0,50% min. 20, max 250 3) issued / sold abroad, payable in other domestic or foreign banks 1% min. 20, max 500 4) conditional purchase of cheques issued / sold abroad, payable in other domestic or foreign banks 1,50% min collection of cheques: for each cheque 1) issued and executed in Poland 0,50% min. 15, max ) issued abroad 0,50% min. 20, max Blockage of cheques 20 for every cheque 10.8 return of the cheque (received for purchase or collection, not paid by domestic or foreign bank) 20 for every cheque collection of blank cheque forms, previously ordered than 1 month (30 days) after placement of the 10.9 order 10 for each month started Millennium Cheque deposit 0,50% min Actions defined in items shall be subject to fixed telecom fees defined in the below Price List. 2. Actions defined in item 10.6 sec. 1) shall be subject to commission payable by: presenter for cheques collected, issuer for cheques settled. 11. Direct debit in PLN 11.1 fees collected from creditor s account: Signature of an agreement instructions in electronic form (ESOBIG, TransBank): 1) debiting debtor s account at the Bank 1 2) debiting debtor s account in another bank 2 3) rejection of order by debtor s bank Sending consent to the debtor s bank and obtaining confirmation about consent submission fees collected from debtor s account for each transaction 1) acceptance/ actualisation/ refusal 0 2) execution of the direct debit from the debtor s account 1 3) cancellation of the executed direct debit by the debtor with account at the Bank Settlements executed in the form of Economic Account Debiting (GOBI) in PLN 12.1 fees collected from creditor s account: on every GOBI transaction 1) placement of paper-based GOBI instructions by the creditor: - with debiting debtor s account in the Bank 3 - with debiting debtor s account in another bank 6 2) rejection of instructions execution by debtor s bank fees collected from debtor s account on every GOBI transaction 1) acceptance of the approval for account debiting in the form of GOBI for registration of single 6 approval 2) update of the approval for account debiting in the form of GOBI 4 3) acceptance of revocation by the debtor of the approval for account debiting in the form of GOBI 6 4) reporting periodical lack of acceptance of debiting settlement in the form of GOBI 3 plus 2 PLN for every calendar day 5) execution of GOBI order debit of the debtor s account in the Bank Automatic identification of Incoming Payments (AIPP) in PLN 13.1 conclusion of the agreement to perform AIPP service settlement of a single transaction 0, additional services as per agreement 14. Bill of exchange services in PLN 14.1 presentation of a bill of exchange for payment, protest a bill of exchange, presentation of a bill of exchange for collection: per one bill of exchange 1) bills in domestic turnover 30 2) bills in FX trade 60 in the FX turnover additionally real notaries fees and fees for possible translations etc. are collected. 15. Electronic Banking services in PLN 15.1 providing the Client with the ESOBIG e-banking system (first installation) 250 irrespective of the number of work stations 15.2 next installation fee for blocking the key in the ESOBIG system additional services at Client s site 150 for a service visit by Bank s IT engineer at Client s site 15.5 Access to the report in MT940 format in ESOBIG 0 On Customer s order 15.6 Package of Electronic Banking (ESOBIG + TransBank + Millenet or ESOBIG + TransBank or TransBank) 100 monthly fee 15.7 Package of Electronic Banking (Millenet + Trans Bank) 60 monthly fee 15.8 Millenet Activation Electronic signature chipcard Electronic signature chipcard reader Authorisation SMS 0, Issuing new password Cash pooling service in PLN 16.1 start-up of cash pooling services 24 for every account covered with cash pooling service 16.2 monthly for the cash pooling services 12 for every account covered with cash pooling service 17. Net balance service in PLN 17.1 start-up of net balance service monthly for the net balance service Individual Deposits System Service (SID) in PLN 18.1 Providing the Client with SID application 250 irrespective of the number of work Page 6 from 15

7 stations 18.2 SID system maintenance fee 100 monthly 18.3 Additional services at Client s site PART III LOANS 1. Current Account overdraft facility in PLN 1.1 Commission for preparation, based on the total overdraft value (granting/amount increasing) - charged for every started 12 month period (a priori) as of the moment of signing the master agreement /annnex In case of increasing the loan value the commission is charged based on the value of increase. 1.2 Commission for period prolongation charged as of the moment of: - signing the master agreement /annnex or - sending by Bank the information of renewal of the initial / annexed limit period (annex does not exist) 1.3 Commitment fee, calculated daily on the unutilised overdraft value from the day of setting the amount 2,50% for disposal, charged at the day of the instalment payment p.a. 1.4 Financing fee*, based on the total overdraft value, charged for every started 3 month period, started as of the moment of signing the master agreement up to pay off the whole debt amount 0,40% 1.5 Compensation fee calculated on the loan amount if the customer gives notice of termination of the agreement thus shortening the loan tenor. The fee is payable on the date when the loan becomes due 1,5% and payable. 1.6 Annex fee if the change is made on the Client request, the fee is based on the total overdraft value, 0,4% charged from the day of signing the annex min 400 (does not concern amount increasing/ loan period prolongation/ period cut) 2. Revolving loan in PLN 2.1 Commission for preparation, based on the total overdraft value (granting/amount increasing) - charged for every started 12 month period (a priori) as of the moment of signing the master agreement /annnex In case of increasing the loan value the commission is charged based on the value of increase. 2.2 Commission for period prolongation charged as of the moment of: - signing the master agreement /annnex or - sending by Bank the information of renewal of the initial / annexed limit period (annex does not exist) 2.3 Commitment fee, calculated daily on the unutilized loan value from the day of setting the amount for 2,50% disposal, charged at the day of the instalment payment p.a. 2.4 Financing fee*, based on the total revolving value, charged for every 3 month period started, started as of the moment of signing the master agreement up to pay off the all amount debt 0,40% 2.5 Compensation fee calculated on the loan amount if the customer gives notice of termination of the agreement thus shortening the loan tenor. The fee is payable on the date when the loan becomes due 1,5% and payable. 2.6 Annex fee if the change is made on the Client request, the fee is based on the total loan value, 0,4% charged from the day of signing the annex (does not concern amount increasing/ loan period min 400 prolongation/ period cut) 3. Working capital loan in PLN 3.1 Commission for preparation, based on the total value (granting/amount increasing) - charged as of the moment of signing the master agreement /annnex In case of increasing the loan value the commission is charged based on the value of increase. 3.2 Commission for period prolongation charged as of the moment of signing the master agreement /annnex 3.3 Financing fee*, based on the loan amount, charged for every started 3 month period, started as of 0,40% the moment of signing the master agreement up to pay off the whole debt amount 3.4 Annex fee if the change is made on the Client request, the fee is based on the total loan value, 0,4% charged from the day of signing the annex (does not concern amount increasing /loan period min 400 prolongation) 3.5 Fee for early payment of the loan or its part, accrued on the early payment amount and payable on the date of the early loan payment 2,00% 4. Real estate corporate loan in PLN Commission for preparation, based on the total loan value (granting/amount increasing) charged as of 1% 4.1 the moment of signing the master agreement /annnex In case of increasing the loan value the commission is charged based on the value of increase. 4.2 Commission for period prolongation charged as of the moment of signing the annnex 1% 4.3 Commitment fee, calculated daily on the unutilized loan value from the day of setting the amount for disposal, charged at the day of the instalment payment. 2,50% p.a. 4.4 Annex fee if the change is made on the Client request, the fee is based on the total overdraft value, charged from the day of signing the annex 0,40% min 400 (does not concern amount increasing/ loan period prolongation) 4.5 Fee for early payment of the loan or its part, accrued on the early payment amount and payable on the date of the early loan payment 2,00% 5. Investment loan in PLN 5.1 Commission for preparation, based on the total value (granting/amount increasing) 2,6% - charged as of the moment of signing the master agreement /annnex In case of increasing the loan value the commission is charged based on the value of increase. 5.2 Commission for period prolongation charged as of the moment of signing the master agreement /annnex 2,6% 5.3 Commitment fee, calculated daily on the unutilized loan value from the day of setting the amount for 2,50% disposal, charged at the day of the instalment payment p.a. 5.4 Financing fee*, based on the loan amount, charged for every 3 month period started, started as of the 0,40% moment of signing the master agreement up to pay off the all amount debt 5.5 Annex fee if the change is made on the Client request, the fee is based on the total loan value, 0,4% charged from the day of signing the annex (does not concern amount increasing/ loan period min 400 prolongation) 5.6 Fee for early payment of the loan or its part, accrued on the early payment amount and payable on the date of the early loan payment 2,00% 6. Loan secured by a mortgage in PLN 6.1 Commission for preparation, based on the total value (granting/amount increasing) 150 for a service visit by Bank s employee at Client s site Page 7 from 15

8 - charged as of the moment of signing the master agreement /annnex In case of increasing the loan value the commission is charged based on the value of increase. 6.2 Commission for period prolongation charged as of the moment of: - signing the master agreement /annnex or - sending by Bank the information of renewal of the initial / annexed limit period (annex does not exist) 6.3 Commitment fee, calculated daily on the unutilized loan value from the day of setting the amount for 2,50% disposal, charged at the day of the instalment payment p.a. 6.4 Financing fee*, based on the loan amount, charged for every 3 month period started, started as of the 0,40% moment of signing the master agreement up to pay off the whole debt amount 6.5 Annex fee if the change is made on the Client request, the fee is based on the total loan value, 0,4% charged from the day of signing the annex (does not concern amount increasing/ loan period min 400 prolongation) 7. Multi-product line / Multicurrency in PLN 7.1 Commission for preparation, based on the Global Limit (granting/amount increasing) - from the day of signing the master agreement/the annex In case of increasing the loan value the commission is charged based on the value of increase. 7.2 Commission for period prolongation charged as of the moment of signing the annnex 7.3 Financing fee*, based on the global limit value, charged for every 3 month period started, started as 0,40% of the moment of signing the master agreement up to pay off the whole debt amount 7.4 Annex fee if the change is made on the Client request, the fee is based on the Global limit value, charged from the day of signing the annex. In case of limit increase the fee is based on the invrease value. (does not concern amount increasing/ loan period prolongation) 0,4% min 400 The Bank shall draw a commission on the amount of the global limit inscribed in the master agreement. Additional fees are not charged on the current account overdraft facility and the revolving loan, which are part of the multi-product line. Standard fees and commissions apply in keeping with the Price List for use of bank guarantees, documentary letters of credit and charge cards under the line. 8. Discount facility in PLN Commission for preparation, based on the total value (granting/amount increasing) - charged as of the moment of signing the master agreement /annnex 8.1 In case of increasing the loan value the commission is charged based on the value of increase. Commission for period prolongation charged as of the moment of signing the master agreement 8.2 /annnex Annex fee if the change is made on the Client request, the fee is based on the total overdraft value, charged from the day of signing the annex (does not concern amount increasing/loan period 0,4% min prolongation) 9. Issuing promise to grant loan in PLN 9.1 Fee for issuing promise to grant loan 0,50% min Reimbursement of expenses incurred by the Bank by virtue of the following: in PLN The fee is due from the utilized loan amount on the date 31 December, in the amount stated by Bank Guarantee Fund. Bank charge the fee to the end of the first quarter of next Mandatory contributions to the Bank Guarantee Fund year. The fee is charged in PLN. In case of the loan in FCY, the fee is charged in PLN, after the conversion at this currency s NBP average rate as stated on the day when the 10.1 current account is debited Legal services According to the actual expenses date certification of collateral agreement (security deposit, assignment of receivables, transfer of 10.3 ownership, transfer of ownership as collateral) 4 per page of the agreement Note to all PART LOANS: 1/ * up till now: Engagement fee 2/ day of putting the loan/product limits at the Customer s disposal the day when under the agreement the loan/product limits may be disbursed and the Customer satisfied disbursement conditions 3/ There is either Commitment fee or Financing fee applied. 4/ In case of period prolongation and amount increasing one commission is charged Commission for period prolongation, based on the total loan/line amount. PART IV GUARANTEES AND SURETIES 1. Guarantees in PLN 1.1 Issuing of own guarantee: of the guaranteed amount for each trimester or any part thereof 1) PLN 50 thousand or the FX equivalent of PLN 50 thousand 1,50% min ) above PLN 50 thousand or the FX equivalent of PLN 50 thousand 0,75% 1.2 Confirmation of the third party guarantee or issuing sole guarantee secured with a re-guarantee of Determined individually min. 400 another bank (domestic or foreign bank) (depending on rating of country and bank issuing guarantee or re-guarantee) 1.3 Increasing the sole guarantee amount: of the amount of the increase 1) PLN 50 thousand or the FX equivalent of PLN 50 thousand 1,00% min ) above PLN 50 thousand or the FX equivalent of PLN 50 thousand 0,50% 1.4 Increasing the amount of confirmed guarantee or sole guarantee secured with a re-guarantee of 0,25-1,00% of the amount of the increase another bank min Extension of the validity of sole guarantee (including also extension of the validity it this extension 100 falls within the period for which commission was already charged) 1.6 Other amendments to the terms of a guarantee Advising the content of third party guarantee to the beneficiary. of the guarantee amount 0,10% min. 100; max Sureties in PLN 2.1 Issuing of a surety on a bill of exchange (aval) 1,00% For every 3-month period of validity started on the amount of surety; min Issuing of a civil law surety: For every 3-month period of validity started on the amount of surety 1) PLN 50 thousand or the FX equivalent of PLN 50 thousand 1,00% min ) above PLN 50 thousand or the FX equivalent of PLN 50 thousand 0,50% 2.3 Increasing the amount of a civil law surety On the amount of increase Page 8 from 15

9 1) PLN 50 thousand or the FX equivalent of PLN 50 thousand 1,00% min ) above PLN 50 thousand or the FX equivalent of PLN 50 thousand 0,50% 2.4 Extension of the validity of civil law surety (including also extension of the validity it this extension falls within the period for which commission was already charged) min ) under PLN 50 thousand or the FX equivalent of PLN 50 thousand 1,00% min ) above PLN 50 thousand or the FX equivalent of PLN 50 thousand 0,50% 2.5 Other amendments to the terms of a civil law surety Issuing a promise to issue a surety (for each trimester or any part thereof) min 0,50% min Line for guarantees and sureties * 6\ in PLN 3.1 Commission for preparation, based on the total amount line (granting/amount increasing) 2,5% - charged as of the moment of signing the master agreement /annnex In case of increasing the line value the commission is charged based on the value of increase. 3.2 Commission for period prolongation charged as of the moment of: 2,5% - signing the master agreement /annnex 3.3 Annex fee (if amendments are made on the Client s request), apart from the increase of the Line 0,4% min 400 amount and extension of the Line period 4. Reimbursement of expenses incurred by the Bank by virtue of the following: in PLN 4.1 Mandatory contributions to the Bank Guarantee Fund The fee is due from the whole granted line amount (according to the date 31 December), in the amount stated by Bank Guarantee Fund. Bank charge the fee to the end of the first quarter of each next year. The fee is charged in PLN. In case of the line in FCY, the fee would be charged in PLN, after the conversion at this currency s NBP average rate as stated on the day when the current account is debited. 5. Others: in PLN 5.1 Development of a non-standard content of guarantee / surety or promise to grant guarantee / surety 100 and opining the content of the guarantee / surety or promise to grant guarantee / surety upon special instructions of the Bank s Client 5.2 Fee for issuing promise to grant guarantee, surety 0,50% For every started 3-month period of validity on the amount of surety min Filing a claim on behalf of Bank s client under loro guarantee issued in his favour If simultaneous changes are made to the terms of a guarantee, one, higher commission shall be charged. 2. The term sole guarantee shall denote the following a) all guarantees issued by the Bank, both under orders from Bank Clients and other domestic and foreign banks, b) re-guarantees in favour of other banks issuing guarantees on orders from the Bank. 3. In case of the commission on a guarantee, a civil law surety or an aval to be charged for each trimester started. 4. The commission stated in item 5.2. may be increased if the Bank s risk is elevated. 5. Irrespective of the commission, for all the actions stipulated in item 1, 2 and 5, flat rate postage and / or telecom fees are collected, in the amounts defined below in the Schedule in correspondence to the scope of postage / telecom activities performed by the Bank. *6. The commissions stated in item 3 and 4 are also valid for Line for guarantees, sureties and Letters of Credit PART V DOCUMENTARY LETTERS OF CREDIT (L/C) 1. Letter of credit issued by foreign bank in PLN 1.1 Advise the beneficiary of the content of the pre-advice on opening of the L/C by a foreign bank Advise the beneficiary of the content of opening the L/C issued by a foreign bank 1) without our confirmation 0,10% min. 200; max.1000 Determined individually min ) with our confirmation (depending on rating of country and bank issuing L/C) 1.3 Change in the terms and conditions (increase in the amount, extension of the term) of the L/C issued by a foreign bank 1) without our confirmation 70 2) with our confirmation 0,25% min Other changes to the terms of the L/C issued by foreign bank, including an extension of validity of the 70 L/C confirmed by the Bank, if this extension falls within the period covered by commission already charged 1.5 Negotiating documents or disbursement (payment) within foreign L/C: 1) payable on sight 0,15% on the amount of l/c; min ) payable within deferred payment clause 0,25% on the amount of l/c; min Presenting documents in contravention with the terms of foreign L/C 50 additionally to pt Assignment of a foreign L/C to secondary beneficiaries, domestically or abroad 0,20% on the amount of l/c; min Disbursing all or a part of the foreign L/C amount in favour of an agent, domestically or abroad 50 additionally to pt Annulling or writing down the wholly or partially unused foreign L/C balance Negotiations letter * - issuance 50 - corrections and completions 30 - annulment Establishment of reimbursement at the Bank for payments under foreign LCs not confirmed by the Bank The commission shall not be charged if the PLN equivalent value of the unused balance is equal to, or less than 100 PLN. *2. Commission is charged on the LC value/increase, plus the tolerance percentage (if any). *3. Unless provided otherwise, the commission shall be charged to the first beneficiary. 2. Letter of credit issued by our Bank in PLN 2.1 Pre-advice of the opening of L/C issued by our Bank Opening of L/C issued by our Bank 0,20% on the amount of the l/c for every started 3 month period of validity; min. 200 The opening commission is charged against the amount of the L/C plus the tolerance percentage (if applicable). 2.3 Change in the terms and conditions (increase in the amount, extension of the term) of the L/C issued by our Bank 0,20% on the amount of the l/c for every started 3 month period of validity; min. 200 Page 9 from 15

10 2.4 Other changes to the terms of the L/C issued by our Bank, including an extension of its validity, if this 70 extension falls within the period covered by commission already charged 2.5 Deferred payment within opened L/C issued by our Bank 50 For every month started since the date of issuing documents to the payer 2.6 Negotiation of documents or disbursement under L/C issued by our Bank 0,15% min Annulling or writing down the wholly or partially unused balance of L/C issued by our Bank Assignment or endorsement transportation and insurance papers received in relation to thorough or partial delivery of supplies under letters of credit Consulting on issues related to documentary letters of credit 50 hour rate 1. The commission shall not be charged if the PLN equivalent value of the unused balance is equal to, or less than PLN Irrespective of the commission, for all the actions stipulated in item flat rate postage and / or telecom fees are collected, in the amounts defined below in the Schedule in correspondence to the scope of postage / telecom activities performed by the Bank. 3. Line for Letter of credit * 6\ in PLN 3.1 Commission for preparation, based on the total amount line (granting/amount increasing) 2,5% - charged as of the moment of signing the master agreement /annnex In case of increasing the line value the commission is charged based on the value of increase. 3.2 Commission for period prolongation charged as of the moment of: - signing the master agreement /annnex 3.3 Annex fee (if amendments are made on the Client s request), apart from the increase of the Line amount and extension of the Line period 2,5% 0,4% min Reimbursement of expenses incurred by the Bank by virtue of the following: in PLN 4.1 Mandatory contributions to the Bank Guarantee Fund The fee is due from the whole granted line amount (according to the date 31 December), in the amount stated by Bank Guarantee Fund. Bank charge the fee to the end of the first quarter of each next year. The fee is charged in PLN. In case of the line in FCY, the fee would be charged in PLN, after the conversion at this currency s NBP average rate as stated on the day when the current account is debited. 1. Utilization - standard commissions and fees for relevant products are charged in keeping with the Price List. 2. *\The commissions stated in item 3 and 4 are also valid for Line for guarantees, sureties and Letters of Credit PART VI COLLECTIONS w PLN 1. Collection against financial and trade documents in the FX turnover 0,25% min. 20; max Issuing documents without payment Return uncollected documents to the presenter or the presenter s bank Transfer all or a portion of the collected amount to an agent, domestically or abroad Change in the collection instructions Drafting and transmitting the message on purchasing the collection documents Assignment and/ or endorsement assignment of rights to dispose of commodity and documents addressed to the Bank, in a single set of collection instructions received from a foreign bank. Irrespective of the commission, for all the actions stipulated in item 1-7 flat rate postage and / or telecom fees are collected, in the amounts defined below in the Schedule in correspondence to the scope of postage / telecom activities performed by the Bank. PART VII BANK CARDS 1. Millennium VISA Executive Silver card: - with magnetic stripe valid 2 years in PLN - with microprocessor valid 4 years 1.1 Annual fee for the card Issuing an emergency card in place of a lost / stolen card - abroad Equivalent of 250 USD 1.3 Insurance package for the card (insurance against unauthorized card use, cash against robbery, travel insurance package) Emergency cash disbursement - abroad Equivalent of 175 USD 1.5 Card transactions: 1) Purchases 1% On the transaction amount 2) Cash advance 3% min Commission for FX conversion 3% 1.7 Issuing a copy of a transaction receipt issued by card accepting outlet Issuing a duplicate of a transaction statement Card inquiry in Millennium/ BZ WBK / Cash4You ATMs: - balance information 0 - balance printout 0,50 - list of 10 latest transactions 1, Card limit inquiry in ATMs other than Millennium/ BZ WBK / Cash4You network (applicable to ATMs 2 supporting this service) 2. Millennium VISA Executive Gold card: - with magnetic stripe valid 2 years in PLN - with microprocessor valid 4 years 2.1 Annual card fee Issuing an emergency card in place of a lost / stolen card - abroad Equivalent of 250 USD 2.3 Insurance package for the card (insurance against unauthorized card use, cash against robbery, travel insurance package) 0 Equivalent of Emergency cash disbursement - abroad USD 2.5 Card transactions: 1) Purchases 1% on the transaction amount 120 Page 10 from 15

11 2) Cash advance 3% min Commission for FX conversion 3% 2.7 Issuing a copy of a transaction receipt issued by card accepting outlet Issuing a duplicate of a transaction statement Card inquiry in Millennium/ BZ WBK / Cash4You: ATMs: - balance information 0 - balance printout 0,50 - list of 10 latest transactions 1, Card limit inquiry in ATMs other than Millennium/ BZ WBK / Cash4You network (applicable to ATMs 2 supporting this service) 3. Millennium MasterCard Corporate card: - with magnetic stripe valid 2 years in PLN - with microprocessor valid 4 years 3.1 Annual fee for the card Issuing an emergency card in place of a lost / stolen card - abroad Equivalent of 149 USD 3.3 Insurance package for the card (insurance against unauthorized card use, cash against robbery, travel insurance package) Emergency cash disbursement - abroad Equivalent of 95 USD 3.5 Card transactions: 1) Purchases 1% On the transaction amount 2) Cash advance 3% min Commission for FX conversion 3% 3.7 Issuing a copy of a transaction receipt issued by card accepting outlet Issuing a duplicate of a transaction statement Card inquiry in Millenium/ BZ WBK / Cash4You ATMs: - balance information 0 - balance printout 0,50 - list of 10 latest transactions 1, Card limit inquiry in ATMs other than Millennium/ BZ WBK / Cash4You network (applicable to ATMs 2 supporting this service) 4. Millennium VISA Executive Electron card: - with magnetic stripe valid 2 years in PLN - with microprocessor valid 4 years 4.1 Issuing and reissuing a card 10 p.a. 4.2 Fee for usage card 2,99 monthly 4.3 Emergency cash disbursement - abroad Equivalent of 175 USD 4.4 Insurance package for the card (insurance against unauthorized card use, cash against robbery, 0 purchase, lowest price guarantee, flight delays, luggage delays, luggage loss, delivery of replacement IDs) 4.5 Card transactions: 1) Purchases 0 2) Cash advance - in the ATMs of the Bank and BZ WBK / Cash4You network in Poland 1 - in the ATMs of other banks in Poland 5 - in ATMs of other banks abroad 2,5 % min 9 - in the outlets accepting the card in Poland 6 - in the outlets accepting the card abroad 2,5 % min Commission for FX conversion 3% 4.7 Bill Payments in Millennium/ BZ WBK / Cash4You ATMs in Poland Issuing a copy of a transaction receipt issued by card accepting outlet Card inquiry in Millenium/ BZ WBK / Cash4You ATMs: - balance information 0 - balance printout 0,5 - list of 10 latest transactions 1, Card limit inquiry in ATMs other than Millennium/ BZ WBK / Cash4You network (applicable to ATMs 2 supporting this service) 5. Millennium MasterCard Prepaid Commercial card: - with microprocessor valid 4 years in PLN 5.1 Implementation/set up fee Individually negotiatied 5.2 Monthly service fee Individually negotiatied 5.3 Annual card usage fee 30 The fee is not charged if monthly card usage fee is charged 5.4 Monthly card usage fee 3 The fee is not charged if annual card usage fee is charged 5.5 Card issuing fee 15 One-off payment on the day of a card production 5.6 Card issuance costs refundation fee 30 Charged when customer withdraws from the agreement within 14 days from the day of conclusion of an agreement 5.7 Non cash transactions fee Cash transactions fees: - in the ATMs of the Bank 3 - in the ATMs of other banks in Poland 5 - in the outlets accepting the card in Poland 6 - in ATMs and in the outlets accepting the card abroad 2,5 %, min 10 - cash back 1 Maximum amount of a single cash back transaction is 200 PLN 5.9 Fees for operations executed at Millennium ATMs: - balance check (display or printout) 0 - list of 10 latest transactions 2 - PIN change Card balance check at ATM other than Millennium 2 Page 11 from 15