CATALOGUE OF PRODUCT, CHARGES AND SERVICE FEES OF TELENOR BANKA FOR INDIVIDUALS CURRENT ACCOUNTS AND PAYMENT CARDS STARTER PROGRESIV PROGRESIV + USER Multicurrency account Monthly current account maintenance Currencies RSD 300 RSD 300 RSD, EUR, USD, GBP, CHF, NOK Payments Pay to mobile/pay to e-mail Payments to domestic bank accounts Standing order payments outside Telenor banka RSD 30 RSD 30 RSD 30 Debit card (Re)issue of primary card (Re)issue of additional card Cash withdrawal at ATMs of other banks in the country RSD 100 First 5 cash withdrawals per month no charge Further cash withdrawals RSD 100 SMS notifications Current account outflow message 5 RSD (+PDV)/SMS THE MOST ATTRACTIVE OFFERS STARTER PROGRESIV PROGRESIV + USER Overdraft, fixed annual NIR=32.00%, EIR=37.95% NIR=26.00%, EIR=29.35% NIR=26.00%, EIR =29.35% Cash loans (RSD) with terms of up to 12 months, fixed annual NIR=EIR=9.00% Cash loans (RSD) with terms from 13 to 36 months, fixed annual NIR=EIR=9.00% Cash loans (RSD) with terms from 37 to 84 months, variable annual NIR=EIR=**6M Belibor + 7.30% NIR=EIR=**6M Belibor + 7.30% NIR=EIR=**6M Belibor + 5.30% Credit card / Credit card with refinancing Without salary transfer: NIR=26% EIR=28.90% NIR=22.70% EIR=25.01% Sight deposit (RSD) up to 12 months, fixed 6 months term deposit (RSD), fixed 12 months term deposit (RSD), fixed NIR=EIR= 3.00% NIR=EIR= 3.60% NIR=EIR= 4.00% *Progressive plus benefits are available for all Progresiv package users who transfer their salary/pension in Telenor bank in the minimum amount of RSD 20,000. **6M Belibor calculated on 28.02.2017 in value of 3.71% and will be adjusted twice a year with the change of the reference interest rate for dinar funds.
ADDITIONAL SERVICES FOR ALL S Account Foreign currency payments Domestic payments Payment services at Bank branch Debit card Interest rate for unauthorized overdraft Opening current account Closing current account Issue of account closure certificate Current account inflow message Overseas payments from current account RSD payment to a non-resident s account with another domestic bank foreign currency payment Payment from current account to a foreign currency account with another domestic bank Cashless payments under real estate purchase and sale contracts from buyer s account into seller s account with another bank, and life insurance payments Request for cancellation of foreign currency order or for refund Urgent order Internal account-to-account transfer within Bank Transfer of funds to another bank when closing account Foreign currency account-to-account remittance within Telenor banka Cash payment Cash withdrawal from current account Payments to accounts within Bank Issue of monthly current account statement by e-mail Bills on click Returns of foreign exchange inflows at the request of ordering party are charged in accordance with paragraph 3.1.6 Tariffs for legal entities and entrepreneurs Urgent order Cashless payment Payment to domestic accounts with other banks in RSD (general invoice) Replacement of damaged foreign currency banknotes Coin recycling NBS expert opinion on RSD banknotes and cash Telenor banka fees charged for cash replacement services are subject to change and will be adjusted in line with changes to the official NBS price list. Cash withdrawal at Telenor banka ATMs Cash withdrawals at ATMs of other banks abroad Cash withdrawal over the counter at other banks in the country and abroad and at the post offices in the country Account balance inquiry at Telenor banka ATMs Account balance inquiry at ATMs of other banks ATM and online PIN change Payment card replacement (damaged, stolen or lost, change of data) For amounts EUR 12.500 EUR 19 EUR 15 EUR 15 NIR=41.63% annual For amounts > EUR 12.500 EUR 60 EUR 30 EUR 30 EUR 15 EUR 30 RSD 1,000 + foreign bank fee RSD 300 RSD 150 1% min RSD 150 - max RSD 3,000 Depending on degree of damage, 5% of nominal value in RSD counter value at selling exchange rate for cash on date of transaction 2% min RSD 250 RSD 600 1% (min.400 RSD) 2% (min.300 RSD) RSD 80 Currency exchange Purchase and sale of cash Banknote replacement Replacement of damaged RSD banknotes mcash Balance inquiry at Telenor banka ATMs Cash withdrawal at Telenor banka ATMs Other charges Issue of printed bank statements Issue of certificates Issue of other documents at client's request 400 RSD 400 RSD 400 RSD The only branch office of Telenor banka is located at 90v Omladinskih brigada Street, 11000 Belgrade.
LOANS GENERAL CONDITIONS FOR APPROVING LOANS TO INDIVIDUALS The mandatory condition for the usage of credit products is having a current account in one of the tariff package deals. AUTHORIZED ACCOUNT OVERDRAFT Loan amount RSD 5,000 500,000 Maturity Interest rate (per year) Up to 12 months Starter package: NIR=32.00%, EIR=37.95% Progresiv package: NIR=26.00%, EIR=29.35% Progresiv plus paket: NIR=26.00%, EIR=29.35% Method of calculation Proportional 28-31/365-6 Application processing Credit Bureau report withdrawal Overdraft cancelation fee No collaterals RSD CASH LOANS/RSD CASH LOANS FOR REFINANCING Purpose Cash loan Loan amount RSD 60.000,00 1.000.000,00 6 to 84 months Deposit / Down payment Without deposit / down payment Users who receive their salary/pension in Telenor bank in the minimum amount of RSD 20,000. Interest rate for loans and refinancing loans with terms of up to 12 months NIR=EIR=9.00% Interest rate for loans and refinancing loans with terms from 13 to 36 months NIR =EIR = 9.00% Maturity Interest rate for loans and refinancing loans with terms from 37 to 84 months NIR=EIR=6M Belibor + 5.30% Users who do not receive their salary/pension in Telenor bank Interest rate for loans with terms of up to 12 months Interest rate for loans with terms from 13 to 36 months Interest rate for loans with terms from 37 to 60 months NIR=EIR=6M Belibor + 7.30% Interest rate for refinancing loans with terms of up to 12 months NIR=EIR=10.00% Interest rate for refinancing loans with terms from 13 to 36 months NIR=EIR=10.00% Interest rate for refinancing loans with terms from 37 to 60 months NIR=EIR=6M Belibor + 6.30% for terms of up to 36 months for terms longer than 36 months Variable Method of calculation Compound 28-31/365-6 One-time approval and administrative cost charge Early repayment fee Credit Bureau report withdrawal Change of collateral 1% of debt outstanding Manner of repayment In monthly installments Administrative ban 6M Belibor calculated on 28.02.2017 in value of 3.71% and will be adjusted twice a year with the change of the reference interest rate for dinar funds. FIXED-PURPOSE LOAN FOR PURCHASE OF DEVICES IN COOPERATION WITH TELENOR DOO Purpose Purpose loan for purchase of device Manner of repayment In equal monthly installments Collection RSD 1.000,00-200.000,00 Loan term Payments from Bank current account via standing order 12 months / 24 months Interest rate No colleterals Early repayment fee NIR=EIR=0.00% Credit Bureau report withdrawal Loan application processing Minimum and maximum loan amount Issuance of MasterCard debit cards within the Starter package for users of dedicated loan
CREDIT CARD / CREDIT CARD FOR REFINANCING Purpose Revolving credit card with the option to refinance existing credit obligations Minimum 5% of debt outstanding (min. RSD 1,000) Method of repayment In case of refinancing the refinancing amount may be divided into equal monthly installments (from 1 to 36) or repaid under revolving model Grace period Up to 45 days Payment Payment from Bank current account via standing order Amount RSD 30,000.00 1,000.000.00 credit card Up to RSD 300,000.00 credit card for refinancing No collaterals Non-payroll clients NIR: 26,00% annual; EIR: from 28,90% annual Payroll clients NIR: 22,70% annual; EIR: from 25,01% annual Method of calculation Proportional 28-31/365-6 Primary credit card issuance Additional credit card issuance one-time charge Monthly primary credit card maintenance - no charge during the first month of credit card use Progresiv package users - no charge until 31/12/2017 Monthly additional credit card maintenance Credit card account transaction via payment order 2% (min. ); bills on click and top-up no charge Charge credit card, Revolving Charge credit card, Split to installments RSD 150 per installment Cash withdrawal at ATMs of other banks in the country Over the counter cash withdrawal at other banks in the country Cash withdrawal at Telenor banka ATMs Cash withdrawal at overseas ATMs Cash withdrawal at overseas banks Balance inquiry at ATMs of other banks in the country RSD 80 Balance inquiry at ATMs of other banks abroad RSD 80 Primary credit card replacement after expiry Additional credit card replacement after expiry Payment at POS terminals abroad Temporary credit card blockage Permanent credit card blockage and replacement at user s request (in the event of loss, theft, damage, etc.) Credit card unblocking in the event of temporary blockage PIN change at ATMs Unfounded complaint fee Credit card cancelation at user s request Fee for exceeding credit limit (with tolerance of up to 2% of credit card limit) RSD 1,000 Late payment reminder letter Fee when refinancing in installments (fees are shown as total amounts for the entire period of repayment in installments and are charged monthly): Loan term up to RSD 50.000 RSD 50.001 100.000 RSD 100.001 150.000 RSD 150.001 200.000.001 300.000 up to 3 months 750 1.200 2.100 2.850 4.050 from 4 up to 6 months 1.500 2.400 4.200 5.700 8.100 from 7 up to 9 months 2.500 3.600 6.300 8.550 12.150 from 10 up to 12 months 3.000 4.800 8.400 11.400 16.200 from 13 up to 15 months 3.750 6.000 10.500 14.250 20.250 from 16 up to 18 months 4.500 7.200 12.600 17.100 24.300 from 19 up to 21 months 5.250 8.400 14.700 19.950 28.350 from 22 up to 24 months 6.000 9.600 16.800 22.800 32.400 from 25 up to 30 months 7.500 12.000 21.000 28.500 40.500 from 31 up to 36 months 9.000 14.400 25.200 34.200 48.600
SAVINGS GENERAL CONDITIONS FOR APPROVING SAVINGS PRODUCTS TO INDIVIDUALS A VISTA SAVINGS Currency RSD, EUR Maturity date 12 months Interest rate RSD NIR=3,00% EIR=3,00% EUR NIR=0,10% EIR=0,08% Annual interest rate, fixed Calculation and payment of interest Monthly Method of calculation Compound Withdrawal Internal transfer from the savings account to the multi-currency current account through the application of Telenor bank at any time. Automatic transfer of funds to the multi-currency current account after the expiration of the sight deposits. Clients are required to give a two days advance notice for withdrawals exceeding RSD 600,000 (or equivalent counter-value in another currency at the official NBS middle exchange rate). Issue of monthly savings account statements via email Issue of printed bank statements RSD 400 When opening a domestic currency a vista savings account and a foreign currency a vista savings account, the client is not required to make a deposit. Effective interest rate was calculated as of 28/09/2016 on the amount of EUR 100 and RSD 10,000. For savings in RSD the minimum deposit amount is not defined (0.00). For savings in EUR, the minimum and maximum deposit amount are not defined (0.00). TERM DEPOSIT Currency Maturity date RSD 6 or 12 months Interest rate 6 months (NIR=EIR) 3.60% 12 months (NIR=EIR) 4.00% Annual interest rate, fixed Calculation and payment of interest Method of calculation Withdrawal Total early repayment Issue of monthly savings account statements via e-mail Issue of printed bank statements Calculation is performed at the end of the deposit term and the amount (principal + interest) is transferred to the client's multicurrency current account Compound Automatic transfer of funds from the savings account to the multi-currency current account after the expiry / termination of the term deposit. In case of full premature withdrawal of a term deposit including closure of savings account, interest in the amount of 1.00% is calculated on 6-month term savings, and for 12-month terms savings, in the amount of 1.50%. RSD 400 The minimum amount of funds that may be deposited by a client when opening a domestic currency fixed-term savings accounts is RSD 60,000.
OTHER LOAN FEES AND CREDIT BUREAU REPORT Sending collection letter (loans and credit cards) RSD 250 + actual postage cost Issue of loan closure certificate Substitution of collaterals and change of loan and credit card conditions in use Replacement/release of guarantors and other collaterals 0.1% of debt outstanding Change of repayment term, interest rate and other terms Loans 1% of debt outstanding Basic report for individuals Client: RSD 246 Guarantor: RSD 102 Synthetic report for individuals Client: RSD 168 Guarantor: RSD 78 Personal report Client: RSD 276 Report on guarentees for obligations of legal entities and sole proprietors One report per year without charge, further report RSD 246 Basic: RSD 126 DCC Dynamic Currency Conversion for inno cards on Telenor banka ATMs Fee 8% Product Catalogue and Charges and Service Fees of Telenor banka for Individuals as of 08/15/2017
SECURITIES FEES CHARGED FOR TRADING SECURITIES (SHARES AND BONDS) Account maintenance Account closure Processing of orders for sale of securities Transfer of funds to Bank current account Cash withdrawal for purchase of securities Cash withdrawal in RSD Withdrawal at client s request prior to Central Securities Depository approval Issue of archival* bank statements 0.3% of booking note amount, max. EUR 200 in RSD counter value at NBS middle exchange rate on date of processing *Each subsequent bank statement issued after the regular bank statement.