TARIFNIK ZA KREDITE ZA FIZIČKA LICA, POLJOPRIVREDNIKE I PREDUZETNIKE Važi od

TARIFNIK ZA KREDITE ZA FIZIČKA LICA, POLJOPRIVREDNIKE I PREDUZETNIKE Važi od 27.10.2015.

TARIFNIK ZA KREDITE ZA FIZIČKA LICA I POLJOPRIVREDNIKE Važi od 27.10.2015. GOTOVINSKI, POTROŠAČKI, DOZVOLJENO PREKORAČENJE Tip kredita Učešće depozit Obaveza prenosa zarade Kamatna stopa Naknada za obradu zahteva Gotovinski kredit i gotovinski kredit sa Bonus opcijom Gotovinski kredit sa hipotekom : bez učešća depozita : min 30% depozita NE NE 14.45% u prvih 60 meseci, nakon toga 8.7% + 3m Belibor 18.45% u prvih 60 meseci, nakon toga 12.7%+3m Belibor 13.50% u prvih 60 meseci, nakon toga 7.7% + 3m Belibor 17.50% u prvih 60 meseci, nakon toga 11.7%+3m Belibor 9.45% +3m Euribor 13.45% +3m Euribor : 2%, min 3.600 : 2%, min 3.600 Gotovinski kredit (maksimalni rok do 12 meseci)* : bez učešća depozita 10.45% fiskno NE 14.45% fiskno : 2%, min 3.600 Gotovinski kredit i gotovinski kredit sa Bonus opcijom (maksimalni rok do 24 meseca)* : bez učešća depozita 12.45% fiskno NE 16.45% fiskno Kredit za refinansiranje i kredit za refinansiranje sa Bonus opcijom Potrošački kredit (uključujući studentski kredit i matične ćelije) : bez učešća depozita : bez učešća depozita : min 30% depozita NE NE 13.15% u prvih 60 meseci, nakon toga 7.4% + 3m Belibor 17.15% u prvih 60 meseci, nakon toga 11.4%+3m Belibor 14.45% u prvih 60 meseci, nakon toga 8.7% + 3m Belibor 18.45% u prvih 60 meseci, nakon toga 12.7%+3m Belibor 7.45%+3m Euribor 11.45%+3m Euribor : 2%, min 3.600 : 2%, min 3.600 Kredit pokriven 100% depozitom 100% depozit Opciono u visini referentne kamatne stope Narodne Banke Srbije na dan podnošenja zahteva za kredit 5.5% fiksno U skladu sa konkretno definisanim proizvodom *Minimalni iznos kredita 100.000 2

Dozvoljeno prekoračenje (overdraft) 30% STAMBENI KREDITI I KREDITI ZA REKONSTRUKCIJU 1% od iznosa dozvoljenog prekoračenja, min 200, max 1.000, jednokratno Tip kredita Kupovina rekonstrukcija nepokretnosti (Stambeni krediti i krediti za rekonstrukciju) bez osiguranja kod NKOSK Kupovina rekonstrukcija nepokretnosti (Stambeni Rekonstrukcija) sa min 20% učešća ili bez učešća _ bez osiguranja kod NKOSK Kupovina rekonstrukcija nepokretnosti (Stambeni krediti i krediti za rekonstrukciju) osigurani kod NKOSK Kupovina rekonstrukcija nepokretnosti (Stambeni krediti i krediti za rekonstrukciju osigurani kod NKOSK) (hipoteka 2:1) Hipoteka Potrebno učešće ili depozit Hipoteka I reda u srazmeri: za kredite sa min 10% učešća 1.25:1 (LTV 0.8) za kredite bez učešća depozita 1.3:1* min 20% učešća uz obaveznu uplatu učešća preko računa u Sberbank na račun prodavca, pre isplate kredita bez učešća ako je odnos kredit : kolateral (hipoteka) = 0.7 Hipoteka I reda u srazmeri: za kredite sa min 10% učešća 1.25:1 (LTV 0.8) za kredite bez učešća i depozita 1.3:1* Hipoteka 2:1 Obaveza prenosa zarade Kredit pokriven 100% depozitom 100% depozit Opciono max rok otplate 60 meseci Kamatna stopa 13.95% uz riziko osiguranje** Uz riziko osiguranje: 7.95% + 3m Euribor 14.95% bez riziko osiguranja** Bez riziko osiguranja: 8.45% + 3m Euribor Uz riziko osiguranje: 6.45% + 3m Euribor Bez riziko osiguranja: 6.95% + 3m Euribor Uz riziko osiguranje: 6.45% + 3m Euribor Bez riziko osiguranja: 6.95% + 3m Euribor Uz riziko osiguranje: 6.05% + 3m Euribor Bez riziko osiguranja: 6.55% + 3m Euribor u visini referentne kamatne stope Narodne Banke Srbije na dan podnošenja zahteva za kredit 5.5% fiksno Naknada za obradu zahteva 2% min 200 0.5% min 200 *Stambeni kredit i kredit za rekonstrukciju sa min 20% učešća ili bez učešća i bez osiguranja kod NKOSK opcija "bez učešća" važi samo u situacijama kada klijent daje drugi objekat kao predmet hipoteke tj. predmet kupovine i predmet hipoteke nije ista nepokretnost ili u situacijama kada klijent daje dodatnu hipoteku uz hipoteku koja je predmet kupovine. **Srpski građani koji žive i rade u inostranstvu mogu aplicirati za stambene kredite i kredite za rekonstrukciju u uz minimum 30% učešća u skladu sa konkretno definisanim proizvodom Tip kredita Auto kredit za kupovinu novog vozila sa kasko osiguranjem (DTI do 40% za, DTI do 30% za ) Auto kredit za kupovinu novog vozila sa kasko osiguranjem (DTI do 50%) Učešće depozit : min 10% učešća : min 30% učešća : min 10% učešća AUTO KREDITI Obaveza Kamatna stopa prenosa zarade 12.45% 7.45% + 3m Euribor NE 16.45% 11.45% + 3m Euribor 13.45% NE 17.45% Naknada za obradu zahteva : 2%, min 3.600 : 2%, min 3.600 3

Auto kredit za kupovinu novog vozila bez kasko osiguranja (DTI do 50%), max iznos 13.95% kredita do 10.000 NE 17.95% Auto kredit za kupovinu polovnog vozila 13.95% : min 20% učešća sa kasko osiguranjem (DTI do 50%) NE 17.95% u visini referentne kamatne stope Kredit pokriven 100% depozitom 100% depozit Opciono Narodne Banke Srbije na dan podnošenja zahteva za kredit 5.5% fiksno KREDITNE KARTICE u skladu sa konkretno definisanim proizvodom Tip kartice Učešće depozit Obaveza prenosa zarade Kamatna stopa Naknade i članarine Kreditne kartice MasterCard Standard Paket TR Opciono NE mesečno 1,90% Kreditne kartice MasterCard Standard "Stand alone" Opciono NE mesečno 2,10% Kreditne kartice MasterCard GOLD Paket TR Opciono NE mesečno 1,80% Kreditne kartice MasterCard GOLD "Stand alone" Opciono NE mesečno 1,80% Kreditne kartice MasterCard Standard "Stand alone" Partner Super Kartica kreditne kartice MasterCard World u okviru paketa računa Super Kartica kreditne kartice MasterCard World "Stand alone" Super Kartica kreditne kartice MasterCard World Stand alone unapred odabranim korisnicima programa lojalnosti Super Kartica Opciono NE mesečno 2,40% Opciono NE mesečno 2,40% Opciono NE mesečno 2,40% Opciono NE mesečno 2,40% Paket Jednostavno: mesečna članarina osnovne kartice bez naknade, dodatna kartica 100 Mesečna članarina osnovne kartice 199, dodatna kartica 100 Paket Jednostavno+ mesečna članarina osnovne kartice bez naknade, dodatna kartica 400 Mesečna članarina 400, dodatna kartica 400 Mesečna članarina osnovne kartice 199, dodatna kartica 100 Paket Jednostavno: mesečna članarina osnovne kartice bez naknade, dodatna kartica 100 Mesečna članarina osnovne kartice 199, dodatna kartica 100 Mesečna članarina osnovne kartice 199, dodatna kartica 100 Tip kredita Učešće depozit KREDITI ZA POLJOPRIVREDNIKE Kamatna stopa Naknada za obradu zahteva Investicioni kredit min 20% učešća uz obaveznu uplatu učešća preko računa u Sberbank na račun prodavca 14.95% u prvih 60 meseci, nakon toga 9.2% + 3M BELIBOR 8.95% + 3M 2% min 6.000 Kredit za kupovinu poljoprivredne mehanizacije min. 30% učešća preko računa u Sberbank u slučaju zaloge min 20% učešća preko računa u Sberbank u slučaju hipoteke 14.45% 8.95% + 3M 2% min 6.000 Kredit za obrtna sredstva 15.00% 9.95% + 3M 2% min 6.000 4

Subvencionisani kredit za investiciona ulaganja u poljoprivrednu mehanizaciju i opremu Subvencionisani kredit za razvoj ratarstva, voćarstva, vinogradarstva, povrtarstva i cvećarstva Subvencionisani kredit za razvoj stočarstva Kredit pokriven 100% depozitom min. 30% učešća preko računa u Sberbank u slučaju zaloge min 20% učešća preko računa u Sberbank u slučaju hipoteke 6% 1.5% min 20% učešća uz obaveznu uplatu učešća preko računa u Sberbank na račun prodavca 100% depozit 4% 1.5% u visini referentne kamatne stope Narodne Banke Srbije na dan podnošenja zahteva za kredit 5.5% fiksno u skladu sa konkretno definisanim proizodom NAPOMENE NAKNA ZA PREVREMENU OTPLATU KREDITA Banka može da ugovori naknadu za prevremenu otplatu kredita ako je za period prevremene otplate ugovorena fiksna nominalna kamatna stopa, a kod ugovora o kreditu čiji je predmet kupovina nepokretnosti ako je ugovorena fiksna ili promenljiva nominalna kamatna stopa. Ukupan iznos prevremene otplate u poslednjih 12 meseci mora biti veći od 1.000.000. Ukoliko je period između prevremene otplate i roka ispunjenja obaveze iz ugovora o kreditu duži od 1 godine, iznos naknade ne može biti veći od 1% od iznosa prevremeno vraćenog kredita, a ukoliko je ovaj period kraći onda naknada ne može biti veća od 0.5%. Naknada za prevremenu otplatu kredita ne može se zahtevati: ako se otplata vrši na osnovu zaključenog ugovora o osiguranju čija je namena obezbeđivanje otplate, u slučaju dozvoljenog prekoračenja računa i ako se otplata vrši u toku perioda za koji je ugovorena promenljiva nominalna kamatna stopa, osim kod kredita čiji je predmet kupovina nepokretnosti. Naknada za prevremenu otplatu se ne može zahtevati ni za subvencionisane kredite za investiciona ulaganja u poljoprivrednu mehanizaciju i opremu, razvoj ratarstva, voćarstva, vinogradarstva, povrtarstva i cvećarstva i razvoj stočarstva. Ukoliko se refinansira postojeci Sberbank kredit novim Sberbank kreditom za refinansiranje ne naplaćuje se provizija za zatvaranje kredita koji se refinansira. Za CHF kredite u slučaju delimične ili potpune prevremene otplate iz sopstvenih sredstava klijenta ili iz kredita Sberbanke u iznos većem od 5.000 CHF naknada za prevremenu otplatu se ne naplaćuje. ODUSTANAK OD KREDITA Odustanak kod kredita (osim onih koji su osigurani hipotekom): Korisnik ima pravo da odustane od Ugovora u roku od 14 dana od dana zaključenja, pod uslovom da pre isteka tog roka o nameri da odustane od Ugovora obavesti Banku pismenim zahtevom za odustanak od kredita. Kao datum odustanka Korisnika od ugovora, smatra se datum prijema Zahteva u Banku.U slučaju odustanka od ugovora, Korisnik je dužan da Banci odmah, a najkasnije u roku od 30 dana od dana slanja obaveštenja vrati glavnicu i kamatu obračunatu za vreme korišćenja kredita, kao i stvarne troškove koje je Banka imala povodom zaključenja Ugovora. Odustanak kod kredita osiguranih hipotekom: Korisnik ima pravo da odustane od Ugovora u roku od 14 dana od dana zaključenja, pod uslovom da nije počeo da koristi kredit i pod uslovom da pre isteka tog roka o nameri da odustane od Ugovora obavesti Banku pismenim zahtevom za odustanak od kredita. Kao datum odustanka Korisnika od ugovora, smatra se datum prijema Zahteva u Banku. Korisnik je dužan da Banci odmah, a najkasnije u roku od 30 dana od dana slanja obaveštenja vrati glavnicu i kamatu obračunatu za vreme korišćenja kredita, kao i stvarne troškove koje je Banka imala povodom zaključenja Ugovora. 5

FIZIČKA LICA: Održavanje kreditne partije 20 godišnje za indeksirane kredite i 2.500 za kredite u. Održavanje kreditne partije za kredite sa uključenim osiguranjem plaća se mesečno i definisano je Ugovorom o kreditu. Održavanje kreditne partije se ne naplaćuje za kreditne kartice i dozvoljeno prekoračenje. ODRŽAVANJE KREDITNE PARTIJE POLJOPRIVREDNI KREDITI: Održavanje kreditne partije 20 godišnje za indeksirane kredite i 2.500 za kredite u. Održavanje kreditne partije se ne naplaćuje za subvencionisane kredite za investiciona ulaganja u poljoprivrednu mehanizaciju i opremu, razvoj ratarstva, voćarstva, vinogradarstva, povrtarstva i cvećarstva i razvoj stočarstva. U slučaju neispunjenja obavljanja minimuma obaveznog platnog prometa povećanje kamatne stope je 2% u odnosu na inicijalno ugovorenu kamatu. U slučaju neispunjenja obavljanja minimuma obaveznog platnog prometa kamatna stopa se ne povećava kod subvencionisanih kredita za investiciona ulaganja u poljoprivrednu mehanizaciju i opremu, razvoj ratarstva, voćarstva, vinogradarstva, povrtarstva i cvećarstva i razvoj stočarstva. TARIFNIK ZA KREDITE ZA PREDUZETNIKE Važi od 27.10.2015. Tip kredita Kratkoročni kredit za obrtna sredstva Poslovni prihod Revolving kreditna linija Kredit za obrtna sredstva Revolving kreditna linija Kredit za refinansiranje Kreditna linija za eskont menica sa pravom regresa Kredit za kupovinu i rekonstrukciju poslovnog prostora Kredit za kupovinu opreme i vozila Hipoteka Potrebno učešće ili depozit DO 20.000.000 KREDITI ZA PREDUZETNIKE OD 20.000.001 DO 60.000.000 PREKO 60.000.000 13.95% 12.95% 10.95% 14.45% 13.45% 11.95% 14.45% u prvih 60 meseci, nakon toga 8.7% + 3m BELIBOR 13.45% u prvih 60 meseci, nakon toga 7.7% + 3m BELIBOR 11.95% u prvih 60 meseci, nakon toga 6.2% + 3m BELIBOR Kamatna stopa DO 20.000.000 7.95% fiksna kamatna stopa 8.75% + 3m OD 20.000.001 DO 60.000.000 7.25% fiksna kamatna stopa 7.95% + 3m 1.8% mesečno Min. 20% učešća Hipoteka I reda u srazmeri: za kredite sa 20% depozita min 1:1 za kredite sa 20% učešća min 1.25:1 Min 20% učešća 14.45% u prvih 60 meseci, nakon toga 8.7% + 3m BELIBOR 13.45% u prvih 60 meseci, nakon toga 7.7% + 3m BELIBOR 12.95% u prvih 60 meseci, nakon toga 7.2% + 3m BELIBOR 7.95% + 3m 7.25% + 3m PREKO 60.000.000 6.95% fiksna kamatna stopa 7.25% + 3m 6.45% + 3m Naknada za obradu zahteva Za iznose kredita do 5.000 6.00 fiksno Za iznose kredita od 5.001 do 10.000 1.5% Za iznose kredita preko 10.000 1% Garancije: 0.5% jednokratno + 0.5% kvartalno min 4.000 1% po eskontu menice, min 60 Za iznose kredita do 5.000 6.00 fiksno Za iznose kredita od 5.001 do 10.000 1.5% Za iznose kredita preko 10.000 1% 6

Kredit za finansiranje izvršenih investicionih ulaganja 14.45% 13.45% 12.95% Mastercard business Charge kartica 0%; godišnja članarina 3.500 po izdatoj kartici Dozvoljeno prekoračenje 27% 25% 24% 0.5% Subvencionisani kredit za investiciona ulaganja u poljoprivrednu min 20% učešća 6% 1.5% mehanizaciju i opremu Subvencionisani kredit za razvoj ratarstva, voćarstva, vinogradarstva, povrtarstva i cvećarstva 6% 1.5% Subvencionisani kredit za razvoj stočarstva min 20% učešća 4% 1.5% Kredit pokriven 100% depozitom 100% depozit u visini referentne kamatne stope Narodne Banke Srbije na dan podnošenja zahteva za kredit 5.5% fiksno u skladu sa konkretno definisanim proizvodom NAKNA ZA PREVREMENU OTPLATU KREDITA NAPOMENE Banka može da ugovori naknadu za prevremenu otplatu kredita ako je za period prevremene otplate ugovorena fiksna nominalna kamatna stopa, a kod ugovora o kreditu čiji je predmet kupovina nepokretnosti ako je ugovorena fiksna ili promenljiva nominalna kamatna stopa. Ukupan iznos prevremene otplate u poslednjih 12 meseci mora biti veći od 1.000.000. Ukoliko je period između prevremene otplate i roka ispunjenja obaveze iz ugovora o kreditu duži od 1 godine, iznos naknade ne može biti veći od 1% od iznosa prevremeno vraćenog kredita, a ukoliko je ovaj period kraći onda naknada ne može biti veća od 0.5%. Naknada za prevremenu otplatu kredita ne može se zahtevati: ako se otplata vrši na osnovu zaključenog ugovora o osiguranju čija je namena obezbeđivanje otplate, u slučaju dozvoljenog prekoračenja računa i ako se otplata vrši u toku perioda za koji je ugovorena promenljiva nominalna kamatna stopa, osim kod kredita čiji je predmet kupovina nepokretnosti. Naknada za prevremenu otplatu se ne može zahtevati ni za subvencionisane kredite za investiciona ulaganja u poljoprivrednu mehanizaciju i opremu, razvoj ratarstva, voćarstva, vinogradarstva, povrtarstva i cvećarstva i razvoj stočarstva. Za CHF kredite u slučaju delimične ili potpune prevremene otplate iz sopstvenih sredstava klijenta ili iz kredita Sberbanke u iznos većem od 5.000 CHF naknada za prevremenu otplatu se ne naplaćuje. ODUSTANAK OD KREDITA Odustanak kod kredita (osim onih koji su osigurani hipotekom): Korisnik ima pravo da odustane od Ugovora u roku od 14 dana od dana zaključenja, pod uslovom da pre isteka tog roka o nameri da odustane od Ugovora obavesti Banku pismenim zahtevom za odustanak od kredita. Kao datum odustanka Korisnika od ugovora, smatra se datum prijema Zahteva u Banku.U slučaju odustanka od ugovora, Korisnik je dužan da Banci odmah, a najkasnije u roku od 30 dana od dana slanja obaveštenja vrati glavnicu i kamatu obračunatu za vreme korišćenja kredita, kao i stvarne troškove koje je Banka imala povodom zaključenja Ugovora. Odustanak kod kredita osiguranih hipotekom: Korisnik ima pravo da odustane od Ugovora u roku od 14 dana od dana zaključenja, pod uslovom da nije počeo da koristi kredit i pod uslovom da pre isteka tog roka o nameri da odustane od Ugovora obavesti Banku pismenim zahtevom za odustanak od kredita. Kao datum odustanka Korisnika od ugovora, smatra se datum prijema Zahteva u Banku. Korisnik je dužan da Banci odmah, a najkasnije u roku od 30 dana od dana slanja obaveštenja vrati glavnicu i kamatu obračunatu za vreme korišćenja kredita, kao i stvarne troškove koje je Banka imala povodom zaključenja Ugovora. 7

Za sve vrste kredita održavanje kreditne partije 20 godišnje za indeksirane kredite i 2.500 za kredite u. Održavanje kreditne partije se ne naplaćuje za subvencionisane kredite za investiciona ulaganja u poljoprivrednu mehanizaciju i opremu, razvoj ratarstva, voćarstva, vinogradarstva, povrtarstva i cvećarstva i razvoj stočarstva. ODRŽAVANJE KREDITNE PARTIJE U slučaju neispunjenja obavljanja minimuma obaveznog platnog prometa povećanje kamatne stope je 6% u odnosu na inicijalnu. Izuzetak: Kreditna linija za eskont menica sa pravom regresa održavanje kreditne partije 2.500 godišnje U slučaju neispunjenja obavljanja minimuma obaveznog platnog prometa naplata jednokratne naknade u visini od 2% na nominalni menični iznos. U slučaju neispunjenja obavljanja minimuma obaveznog platnog prometa kamatna stopa se ne povećava kod subvencionisanih kredita za investiciona ulaganja u poljoprivrednu mehanizaciju i opremu, razvoj ratarstva, voćarstva, vinogradarstva, povrtarstva i cvećarstva i razvoj stočarstva. LOAN TARIFFS FOR PRIVATE INDIVIDUALS AND FARMERS Valid from: 27.10.2015. Loan type Cash loans and cash loans with Bonus option Cash loans with mortgage CASH LOANS, CONSUMER LOANS, OVERDRAFT Salary Interest rates Downpayment Deposit transfer obligation : without downpayment deposit : min 30% deposit NO NO 14.45% in first 60 moths, after 8.7%+3m Belibor 18.45% in first 60 months, after 12.7%+3m Belibor 13.50% in first 60 months, after 7.7%+3m Belibor 17.50% in first 60 months, after 11.7%+3m Belibor 9.45% +3m Euribor 13.45%+3m Euribor Fees : 2%, min 3.600 : 2%, min 3.600 Cash loans (tenor up to 12 months)* : without downpayment deposit 10.45% fix NO 14.45% fix : 2%, min 3.600 Cash loans and cash loans with Bonus option (tenor up to 24 months)* : without downpayment deposit 12.45% fix NO 16.45% fix Refinancing loans and refinancing loans with Bonus option Consumer loans (including students loans and steam cells) : without downpayment deposit : without downpayment deposit : min 30% deposit NO NO 13.15% in first 60 months, after 7.4%+3m Belibor 17.15% in first 60 months, after 11.4%+3m Belibor 14.45% in first 60 moths, after 8.7%+3m Belibor 18.45% in first 60 months, after 12.7%+3m Belibor 7.45% +3m Euribor 11.45% +3m Euribor : 2%, min 3.600 : 2%, min 3.600 *Minimum loan amout 100.000 8

Cash covered loans 100% deposit Optional In line with value of NBS REPO rate, valid at loan request submitting date 5.5% fix in line with selected product Overdraft 30% 1% from overdraft amount, min 200, max 1.000 Loan type Real estate purchasing reconstruction loans (Housing loans and loans for reconstruction) without NKOSK insurance Real estate purchasing reconstruction loans (Housing loans and loans for reconstruction with min 20% downpayment or without downpayment ) without NKOSK insurance Real estate purchasing reconstruction loans (Housing loans and loans for reconstruction) insured by NKOSK Real estate purchasing reconstruction loans (Housing loans and loans for reconstruction) insured by NKOSK (mortgage 2:1) Mortgage Downpaymet Deposit I rank mortgage in following proportion: for loans with min 10% downpayment 1.25:1 (LTV 0.8) for loans without downpayment deposit 1.3:1* with mandatory min 20% downpayment from SBRS customers account, before loan disbursement without downpayment: collateral (mortgage) = 0.7 I rank mortgage in following proportion: for loans with min 10% downpayment 1.25:1 (LTV 0.8) for loans without downpayment deposit 1.3:1* Mortgage 2:1 HOUSING LOANS AND LOANS FOR RECONSTRUCTION Salary transfer obligation max repayment period 60 months 13.95% with risk insurance** 14.95% without risk insurance** Interest rates With risk insurance: 7.95% +3m Euribor Without risk insurance: 8.45% +3m Euribor With risk insurance: 6.45% +3m Euribor Without risk insurance: 6.95%+3m Euribor With risk insurance: 6.45%+3m Euribor Without risk insurance: 6.95% +3m Euribor With risk insurance: 6.05%+3m Euribor Without risk insurance: 6.55% +3m Euribor Fees 2% min 200 0.5% min 200 Cash covered loans 100% deposit Optional In line with value of NBS REPO rate, valid at loan request submitting date 5.5% fix in line with selected product *Housing loans and loans for reconstruction with min 20% downpayment or without downpayment without NKOSK insurance option "without downpayment" valid only in cases when subject of purchase is different than mortgaged real estate or in case when additional mortgage is provided along with the mortgage which is the subject of purchase. **Serbian citizens living and working abroad can apply for housing loans and loans for reconstruction in with minimum 30% downpayment 9

Loan type Car loan for purchasing a new vehicles with kasko insurance (DTI up to 40% for, DTI up to 30% for ) Car loan for purchasing a new vehicles with kasko insurance (DTI up to 50%) Car loan for purchasing a new vehicles without kasko insurance (DTI up to 50%), max loan amount 10.000 Downpayment Deposit : min 10% downpayment : min 30% downpayment : min 10% downpayment CAR LOANS Salary transfer obligation Interest rates 12.45% 7.45% +3m Euribor NO 16.45% 11.45%+3m Euribor 13.45% NO 17.45% 13.95% NO 17.95% Fees : 2%, min 3.600 : 2%, min 3.600 Car loan for purchasing used vehicles with kasko : min 20% 13.95% insurance (DTI up to 50%) downpayment NO 17.95% Cash covered loans 100% deposit Optional In line with value of NBS REPO rate, valid at loan request submittion date 5.5% fix in line with selected product CREDIT CARDS Card type Downpayment Deposit Salary transfer Interest rate Fees obligation MasterCard credit card account packages Optional NO monthly 1.90% Package Jednostavno: monthly fee main card no fee, additional card 100 MasterCard credit card Standard "Stand alone" Optional NO monthly 2.10% Monthly fee main card 199, additional card 100 MasterCard credit card GOLD account packages Optional NO monthly 1.80% Package Jednostavno+ monthly fee main card no fee, additional card 400 MasterCard credit card GOLD "Stand alone" Optional NO monthly 1.80% Monthly fee 400, additional card 400 MasterCard Standard credit card "Stand alone" Partner Super Kartica credit card MasterCard World in account packages Super Kartica credit card MasterCard World "Stand alone" Super Kartica credit card MasterCard World Stand alone to preapproved customers in loyalty program Super Kartica Optional NO monthly 2.40% Optional NO monthly 2.40% Optional NO monthly 2.40% Optional NO monthly 2.40% Monthly fee main card 199, additional card 100 Package Jednostavno: monthly fee main card no fee, additional card 100 Monthly fee main card 199, additional card 100 Monthly fee main card 199, additional card 100 Loan type Investment loans Downpayment Deposit with mandatory min 20% downpayment from SBRS customers account LOANS FOR FARMERS Interest rates 14.95% in first 60 months, after 9.2% + 3M BELIBOR Fees 8.95% + 3M 2% min 6.000 10

Agriculture mechanization and equipment loans min. 30% downpayment through SBRS customers account in case of pledge min 20% downpayment through SBRS customers account in case of mortgage 14.45% 8.95% + 3M 2% min 6.000 Working capital 15.00% 9.95% +3M 2% min 6.000 min. 30% downpayment through SBRS customers account in case of Subsidized loan for investments pledge in agricultural mechanization min 20% downpayment through and equipment SBRS customers account in case of 6% 1.5% mortgage Subsidized loan for development of farming, horticulture, fruit, vegetable and vineyard growing 6% 1.5% Subsidized loan for funding of livestock development Cash covered loans min 20% downpayment with mandatory payment trough SBRS on seller account 100% deposit 4% 1.5% In line with value of NBS REPO rate, valid at loan request submittion date 5.5% fix in line with selected product EARLY REPAYMENT FEE NOTES Bank may stipulate fee for early loan repayment if fixed nominal interest rate is agreed for early repayment period, only for loans with purpose of real estate purchase if fixed or variable nominal interest rate is stipulated in loan contract. Total amount of early repayment in the last 12 months must exceed 1,000,000. If the period between early repayment and due date from loan contract is longer than one year, amount of early repayment fee may not exceed 1% of the early repaid amount, and if this period is shorter then this fee can not be higher than 0.5%. Early repayment fee for loans can not be required if the repayment is done based on the insurance contract which purpose is to ensure repayment, in case of overdraft and if repayment is made during the period for which variable nominal interest rate is agreed, except for loans with purpose of real estate purchase. Early repayment fee for loans can not be required for subsidized loans for investments in agricultural mechanization and equipment, development of farming, horticulture, fruit, vegetable and vineyard growing and funding of livestock development. If existing Sberbank loan is refinanced with new Sberbank refinancing loan early repayment fee is not charged for refinanced loan. Early repayment fee for CHF loans can not be required in case that the repayment amount is higher than 5.000 CHF and it is repaid with clients own funds or new Sberbank loan. LOAN CANCELATION Loan cancelation (exception are loans covered with mortgage): Client has the right to cancel the Contract within 14 days from the date of contract conclusion, provided that before the expiry of that period he will notify in written form the Bank about his intention to cancel the loan. Date of cancelation shall be considered the date of receiving clients written request to the Bank. In case of contract cancelation, Client is obliged to immediately, but not later that 30 days from the date of notification to repay principal and interest accrued during the loan usage, including actual costs that Bank has beared. Loan cancelation (for loans covered with mortgage): Client has the right to cancel the Contract within 14 days from the date of contract conclusion, under condition that client has not started to use the loan and that he notifies in written the Bank about his intention to cancel the loan. Date of cancelation shall be considered the date of receiving clients written request to the Bank. Client is obliged to immediately, but not later that 30 days from the date of notification to repay principal and interest accrued during the loan usage, including actual costs that Bank has beared. 11

PRIVATE INDIVIDUALS: Maintenance fee 20 yearly for indexed loans and 2.500 for loans in. Maintenance fee for loans with included insurance is charged monthly and is predefined in loan contract O Maintenance fee is not charged for credit cards and overdraft. MAINTENANCE FEE FARMER LOANS: Maintenance fee 20 yearly for indexed loans and 2.500 for loans in. Maintenance fee is not charged for subsidized loans for investments in agricultural mechanization and equipment, development of farming, horticulture, fruit, vegetable and vineyard growing and funding of livestock development. In case of not fulfilling contractual obligation regarding agreed % of turnover, IR will be increased for 2%. In case of not fulfilling contractual obligation regarding agreed % of turnover, IR will not be increased for subsidized loans for investments in agricultural mechanization and equipment, development of farming, horticulture, fruit, vegetable and vineyard growing and funding of livestock development. LOAN TARIFFS FOR ENTREPRENS Valid from: 27.10.2015. Loan type Short term working capital loan Revolving credit line Working capital loan Revolving credit line Refinancing loan Credit line for discount of bills Loan for buying reconstruction of business premises Loan for buying of equipment vehicles Annual revenues Mortgage Downpayment or deposit UP TO 20.000.000 LOANS FOR ENTREPRENS Interest rate FROM 20.000.001 TO 60.000.000 OVER 60.000.000 13.95% 12.95% 10.95% 14.45% 13.45% 11.95% 14.45% in first 60 months, after 8.7% + 3M BELIBOR 13.45% in first 60 months, after 7.7% + 3M BELIBOR 11.95% in first 60 months, after 6.2% + 3M BELIBOR UP TO 20.000.000 7.95% fixed interest rate 8.75% + 3m 1.80% monthly Min 20% downpayment First rank mortgage in following ratio: for loans with 20% deposit min 1:1 for loans with 20% downpayment min 1.25:1 Min 20% downpayment 14.45% in first 60 months, after 8.7% + 3m BELIBOR 13.45% in first 60 months, after 7.7% + 3m BELIBOR 12.95% in first 60 months, after 7.2% + 3m BELIBOR 7.95% + 3m FROM 20.000.001 TO 60.000.000 7.25% fixed interest rate 7.95% + 3m 7.25% + 3m OVER 60.000.000 6.95% fixed interest rate 7.25% + 3m 6.45% + 3m Disbursement Fee For loan amount up to 5.000 6.000 fixed For loan amount from 5.001 up to 10.000 1.5% For loan amount over 10.000 1% Guarantees: 0.5% flat + 0.5% quarterly, min 4.000 1% per discount of bill, min 60 For loan amount up to 5.000 6.000 For loan amount from 5.001 up to 10.000 1.5% For loan amount over 10.000 1% 12

Loan for financing of completed 14.45% 13.45% 12.95% investment MasterCard business Charge 0%; 3.500 yearly membership per issued card card Overdraft 27% 25% 24% 0.5% Subsidized loan for investments in agricultural mechanization and equipment Subsidized loan for development of farming, horticulture, fruit, vegetable and vineyard growing Subsidized loan for funding of livestock development Cash covered loans min. 30% downpayment through SBRS customers account in case of pledge min 20% downpayment through SBRS customers account in case of mortgage 6% 1.5% 6% 1.5% min 20% downpayment with mandatory payment trough SBRS on seller account 100% deposit 4% 1.5% in line with NBS repo rate valid at loan request submission date 5.5% fixed in line with selected product NOTES EARLY REPAYMENT FEE Bank may stipulate fee for early loan repayment if fixed nominal interest rate is agreed for early repayment period,only for loans with purpose of real estate purchase if fixed or variable nominal interest rate is stipulated in loan contract. Total amount of early repayment in the last 12 months must exceed 1,000,000. If the period between early repayment and due date from loan contract is longer than one year, amount of early repayment fee may not exceed 1% of the early repaid amount, and if this period is shorter then this fee can not be higher than 0.5%. Early repayment fee for loans can not be required if the repayment is done based on the insurance contract which purpose is to ensure repayment, in case of overdraft and if repayment is made during the period for which variable nominal interest rate is agreed, except for loans with purpose of real estate purchase. Early repayment fee for loans can not be required for subsidized loans for investments in agricultural mechanization and equipment, development of farming, horticulture, fruit, vegetable and vineyard growing and funding of livestock development. Early repayment fee for CHF loans can not be required in case that the repayment amount is higher than 5.000 CHF and it is repaid with clients own funds or new Sberbank loan. 13

Loan cancelation (exception are loans covered with mortgage): LOAN CANCELLATION Client has the right to cancel the Contract within 14 days from the date of contract conclusion, provided that before the expiry of that period he will notify in written form the Bank about his intention to cancel the loan. Date of cancelation shall be considered the date of receiving clients written request to the Bank. In case of contract cancelation, Client is obliged to immediately, but not later that 30 days from the date of notification to repay principal and interest accrued during the loan usage, including actual costs that Bank has beared. Loan cancelation (for loans covered with mortgage): Client has the right to cancel the Contract within 14 days from the date of contract conclusion, under condition that client has not started to use the loan and that he notifies in written the Bank about his intention to cancel the loan. Date of cancelation shall be considered the date of receiving clients written request to the Bank. Client is obliged to immediately, but not later that 30 days from the date of notification to repay principal and interest accrued during the loan usage, including actual costs that Bank has beared. MAINTENANCE FEE Maintenance fee for all loan types 20 yearly for indexed loans and 2.500 for loans in. Maintenance fee is not charged for subsidized loans for investments in agricultural mechanization and equipment, development of farming, horticulture, fruit, vegetable and vineyard growing and funding of livestock development. In case of not fulfilling contractual obligation regarding agreed % of turnover, IR will be increased for 6% Exception: Credit line for discount of bills 2.500 yearly. In case of not fulfilling conctractual obligation regarding agreed % of turnover flat fee 2% of nominal bill amount. In case of not fulfilling contractual obligation regarding agreed % of turnover, IR will not be increased for subsidized loans for investments in agricultural mechanization and equipment, development of farming, horticulture, fruit, vegetable and vineyard growing and funding of livestock development. 14