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

TARIFNIK ZA KREDITE ZA FIZIČKA LICA, POLJOPRIVREDNIKE I PREDUZETNIKE Važi od 07.04.2016.

TARIFNIK ZA KREDITE ZA FIZIČKA LICA I POLJOPRIVREDNIKE Važi od 07.04.2016. GOTOVINSKI, POTROŠAČKI, DOZVOLJE PREKORAČENJE Tip kredita Učešće depozit Obaveza prenosa zarade Kamatna stopa Naknada za obradu zahteva Gotovinski kredit Gotovinski kredit sa Bonus opcijom Gotovinski kredit sa hipotekom : bez učešća depozita : min 30% depozita NE NE NE 10.95% u prvih 60 meseci, nakon toga 7.5%+3m Belibor 14.95% u prvih 60 meseci, nakon toga 11.5%+3m Belibor 11.45% u prvih 60 meseci, nakon toga 8%+3m Belibor 15.45% u prvih 60 meseci, nakon toga 12%+3m Belibor 11.95% u prvih 60 meseci, nakon toga 8.5%+3m Belibor 15.95% u prvih 60 meseci, nakon toga 12.5%+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)* Gotovinski kredit i gotovinski kredit sa Bonus opcijom (maksimalni rok do 24 meseca)* : bez učešća depozita 9.95% fiksno NE 13.95% fiksno : bez učešća depozita 10.45% fiksno NE 14.45% fiksno : 2%, min 3.600 Kredit za refinansiranje : bez učešća depozita NE 9.95% u prvih 60 meseci, nakon toga 6.5%+3m Belibor 13.95% u prvih 60 meseci, nakon toga 10.5%+3m Belibor Kredit za refinansiranje sa Bonus opcijom : bez učešća depozita NE 10.45% u prvih 60 meseci, nakon toga 7%+3m Belibor 14.45% u prvih 60 meseci, nakon toga 11%+3m Belibor : 2%, min 3.600 : 2%, min 3.600 Potrošački kredit (uključujući studentski kredit i matične ćelije) : bez učešća depozita : min 30% depozita NE 10.95% u prvih 60 meseci, nakon toga 7.5%+3m Belibor 14.95% u prvih 60 meseci, nakon toga 11.5%+3m Belibor 7.45%+3m Euribor 11.45%+3m Euribor *Minimalni iznos kredita 100.000 2

Kredit pokriven 100% depozitom 100% depozit Opciono u visini referentne kamatne stope Narodne Banke Srbije na dan podnošenja zahteva za kredit Dozvoljeno prekoračenje (overdraft) 30% 5.5% fiksno U skladu sa konkretno definisanim proizvodom 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 STAMBENI KREDITI I KREDITI ZA REKONSTRUKCIJU 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 3

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%) Auto kredit za kupovinu novog vozila bez kasko osiguranja (DTI do 50%), max iznos kredita do 10.000 Učešće depozit : min 10% učešća : min 30% učešća : min 10% učešća AUTO KREDITI Obaveza prenosa zarade Kamatna stopa 12.45% 7.45% + 3m Euribor NE 16.45% 11.45% + 3m Euribor 13.45% NE 17.45% 13.95% 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 Naknada za obradu zahteva : 2%, min 3.600 : 2%, min 3.600 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% 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 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% 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 4

KREDITI ZA POLJOPRIVREDNIKE Kamatna stopa Tip kredita Učešće depozit Naknada za obradu zahteva Investicioni kredit min 20% učešća uz obaveznu uplatu učešća preko računa u Sberbank na račun prodavca 11.95% u prvih 60 meseci, nakon toga 8.65% + 3M BELIBOR 7.45% + 3M 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 11.45% 7.45% + 3M Za iznose kredita do 5.000 6.000 fiksno Za iznose kredita od 5.001 do 9.999 1.5% Za iznose kredita od 10.000 1% Kredit za obrtna sredstva 11.45% 7.45% + 3M Kredit za kupovinu poljoprivredne mehanizacije iz programa Vlade Republike Belorusije Kredit pokriven 100% depozitom min. 30% učešća preko računa u Sberbank u slučaju zaloge min 20% učešća preko računa u Sberbank u slučaju hipoteke 100% depozit 9.25% 0.50% min 6.000 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. 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. 5

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, ODUSTANAK OD KREDITA 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. ODRŽAVANJE KREDITNE PARTIJE 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. POLJOPRIVREDNI KREDITI: Održavanje kreditne partije 20 godišnje za indeksirane kredite i 2.500 za kredite u. U slučaju neispunjenja obavljanja minimuma obaveznog platnog prometa povećanje kamatne stope je 2% u odnosu na inicijalno ugovorenu kamatu. TARIFNIK ZA KREDITE ZA PREDUZETNIKE Važi od 07.04.2016. KREDITI ZA PREDUZETNIKE Tip kredita Kratkoročni kredit za obrtna sredstva Poslovni prihod Revolving kreditna linija - Kredit za obrtna sredstva Revolving kreditna linija - Kredit za refinansiranje Hipoteka Potrebno učešće ili depozit DO 20.000.000 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 11% + 3m Belibor 13.45% u prvih 60 meseci, nakon toga 10% + 3m Belibor 11.95% u prvih 60 meseci, nakon toga 8.5% + 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 PREKO 60.000.000 6.95% fiksna kamatna stopa 7.25% + 3m Naknada za obradu zahteva Za iznose kredita do 5.000 6.000 fiksno Za iznose kredita od 5.001 do 9.999 1.5% Za iznose kredita od 10.000 1% Garancije: 0.5% jednokratno + 0.5% kvartalno min 4.000 6

Kreditna linija za eskont menica sa pravom regresa Kredit za kupovinu i rekonstrukciju poslovnog prostora Kredit za kupovinu opreme i vozila Kredit za finansiranje izvršenih investicionih ulaganja 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 11% + 3m Belibor 13.45% u prvih 60 meseci, nakon toga 10% + 3m Belibor 12.95% u prvih 60 meseci, nakon toga 9.5% + 3m Belibor 14.45% 13.45% 12.95% 7.95% + 3m 7.95% + 3m 7.25% + 3m 7.25% + 3m 6.45% + 3m 6.45% + 3m 1% po eskontu menice, min 60 Za iznose kredita do 5.000 6.000 fiksno Za iznose kredita od 5.001 do 9.999 1.5% Za iznose kredita od 10.000 1% Za iznose kredita do 5.000 6.000 fiksno Za iznose kredita od 5.001 do 9.999 1.5% Za iznose kredita od 10.000 1% Mastercard business 0%; godišnja članarina 3.500 po izdatoj kartici Charge kartica Dozvoljeno prekoračenje 27% 25% 24% 0.5% Kredit za kupovinu opreme i vozila iz programa Vlade Republike Belorusije Min 20% učešća 9.50% 0.50% min 6.000 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 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. NAKNA ZA PREVREMENU OTPLATU KREDITA 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. 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. 7

Odustanak kod kredita (osim onih koji su osigurani hipotekom): ODUSTANAK OD KREDITA 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. Za sve vrste kredita održavanje kreditne partije 20 godišnje za indeksirane kredite i 2.500 za kredite u. ODRŽAVANJE KREDITNE PARTIJE U slučaju neispunjenja obavljanja minimuma obaveznog platnog prometa povećanje kamatne stope je 2% u odnosu na inicijalnu. Izuzeci: Kreditna linija za eskont menica sa pravom regresa - u slučaju neispunjenja obavljanja minimuma obaveznog platnog prometa naplata jednokratne naknade u visini od 2% na nominalni menični iznos. Kredit za kupovinu opreme i vozila iz programa Vlade Republike Belorusije - u slučaju neispunjenja obavljanja minimuma obaveznog platnog prometa naplata jednokratne naknade u visini od 2% na iznos odobrenog kredita. LOAN TARIFFS FOR PRIVATE INDIVIDUALS AND FARMERS Valid from: 07.04.2016. Loan type CASH LOANS, CONSUMER LOANS, OVERDRAFT Salary Interest rates Downpayment Deposit transfer obligation Fees Cash loans 10.95% in first 60 months, after 7.5%+3m Belibor 14.95% in first 60 months, after 11.5%+3m Belibor Cash loans with Bonus option : without downpayment deposit : min 30% deposit 11.45% in first 60 months, after 8%+3m Belibor 15.45% in first 60 months, after 12%+3m Belibor : 2%, min 3.600 : 2%, min 3.600 Cash loans with mortgage 11.95% in first 60 months, after 8.5%+3m Belibor 15.95% in first 60 months, after 12.5%+3m Belibor 9.45% +3m Euribor 13.45%+3m Euribor 8

Cash loans (tenor up to 12 months)* : without downpayment deposit 9.95% fix 13.95% fix : 2%, min 3.600 Cash loans and cash loans with Bonus option (tenor up to 24 months)* : without downpayment deposit 10.45% fix 14.45% fix *Minimum loan amout 100.000 Refinancing loans : without downpayment deposit 9.95% in first 60 months, after 6.5%+3m Belibor 13.95% in first 60 months, after 10.5%+3m Belibor Refinanicng loans with Bonus option : without downpayment deposit 10.45% in first 60 months, after 7%+3m Belibor 14.45% in first 60 months, after 11%+3m Belibor : 2%, min 3.600 : 2%, min 3.600 Consumer loans (including students loans and steam cells) : without downpayment deposit : min 30% deposit 10.95% in first 60 months, after 7.5%+3m Belibor 14.95% in first 60 months, after 11.5%+3m Belibor 7.45% +3m Euribor 11.45% +3m Euribor 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 HOUSING LOANS AND LOANS FOR RECONSTRUCTION Loan type Mortgage Downpaymet Deposit Salary transfer obligation max repayment period 60 months Interest rates Fees Real estate purchasing reconstruction loans (Housing loans and loans for reconstruction) without NKOSK insurance 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* 13.95% with risk insurance** 14.95% without risk insurance** With risk insurance: 7.95% +3m Euribor Without risk insurance: 8.45% +3m Euribor 2% min 200 9

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) 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 Cash covered loans 100% deposit Optional In line with value of NBS REPO rate, valid at loan request submitting date 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 5.5% fix 0.5% min 200 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 Loan type Downpayment Deposit CAR LOANS Salary transfer obligation Interest rates Fees 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%) : min 10% downpayment : min 30% downpayment 12.45% 7.45% +3m Euribor 16.45% 11.45%+3m Euribor 13.45% 17.45% : 2%, min 3.600 : 2%, min 3.600 Car loan for purchasing a new vehicles without : min 10% downpayment kasko insurance (DTI up to 50%), max loan 13.95% amount 10.000 17.95% Car loan for purchasing used vehicles with 13.95% : min 20% downpayment kasko insurance (DTI up to 50%) 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 10

Card type Downpayment Deposit CREDIT CARDS Salary transfer obligation Interest rate MasterCard credit card account packages Optional monthly 1.90% MasterCard credit card Standard "Stand alone" Optional monthly 2.10% MasterCard credit card GOLD account packages Optional monthly 1.80% Fees Package Jednostavno: monthly fee main card - no fee, additional card 100 Monthly fee main card 199, additional card 100 Package Jednostavno+ - monthly fee main card - no fee, additional card - 400 MasterCard credit card GOLD "Stand alone" Optional 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 monthly 2.40% Optional monthly 2.40% Optional monthly 2.40% Optional 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 LOANS FOR FARMERS Loan type Downpayment Deposit Interest rates Fees Investment loans with mandatory min 20% downpayment from SBRS customers account 11.95% in first 60 months, after 8.65% + 3m Belibor 7.45% + 3M 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 11.45% 7.45% + 3M For loan amount up to 5.000 6.000 For loan amount from 5.001 up to 9.999 1.5% For loan amount from 10.000 1% Working capital 11.45% 7.45% +3M 11

Agriculture mechanization and equipment loan from program of Government of Republic of Belarus min. 30% downpayment through SBRS customers account in case of pledge min 20% downpayment through SBRS customers account in case of mortgage 9.25% 0.50% min 6.000 Cash covered loans 100% deposit In line with value of NBS REPO rate, valid at loan request submittion date 5.5% fix in line with selected product TES 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 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. 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 (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 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 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. Maintenance fee is not charged for credit cards and overdraft. FARMER LOANS: Maintenance fee 20 yearly for indexed loans and 2.500 for loans in. In case of not fulfilling contractual obligation regarding agreed % of turnover, IR will be increased for 2%. 12

LOAN TARIFFS FOR ENTREPRENS Valid from: 07.04.2016. LOANS FOR ENTREPRENS Loan type Mortgage Downpayment or deposit Interest rate Disbursement Fee Annual revenues UP TO 20.000.000 FROM 20.000.001 TO 60.000.000 OVER 60.000.000 UP TO 20.000.000 FROM 20.000.001 TO 60.000.000 OVER 60.000.000 Short term working capital loan Revolving credit line - Working capital loan Revolving credit line - Refinancing loan 13.95% 12.95% 10.95% 14.45% 13.45% 11.95% 14.45% in first 60 months, after 11% + 3m Belibor 13.45% in first 60 months, after 10% + 3m Belibor 11.95% in first 60 months, after 8.5% + 3m Belibor 7.95% fixed interest rate 8.75% + 3m 7.25% fixed interest rate 7.95% + 3m 6.95% fixed interest rate 7.25% + 3m For loan amount up to 5.000 6.000 fixed For loan amount from 5.001 up to 9.999 1.5% For loan amount over 10.000 1% Guarantees: 0.5% flat + 0.5% quarterly, min 4.000 Credit line for discount of bills 1.80% monthly 1% per discount of bill, min 60 Loan for buying reconstruction of business premises Loan for buying of equipment vehicles 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 11% + 3m Belibor 13.45% in first 60 months, after 10% + 3m Belibor 12.95% in first 60 months, after 9.5% + 3m Belibor 7.95% + 3m 7.25% + 3m 6.45% + 3m For loan amount up to 5.000 6.000 fixed For loan amount from 5.001 up to 9.999 1.5% For loan amount over 10.000 1% Loan for financing of completed investment 14.45% 13.45% 12.95% 13

Loan for buying of equipment vehicles from program of Government of Republic of Belarus MasterCard business Charge card Min 20% downpayment 9.50% 0.50% min 6.000 0%; 3.500 yearly membership per issued card Overdraft 27% 25% 24% 0.5% Cash covered loans 100% deposit in line with NBS repo rate valid at loan request submission date 5.5% fixed in line with selected product TES 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. EARLY REPAYMENT FEE 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 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 (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. LOAN CANCELLATION 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. 14

Maintenance fee for all loan types - 20 yearly for indexed loans and 2.500 for loans in. In case of not fulfilling contractual obligation regarding agreed % of turnover, IR will be increased for 2% MAINTENANCE FEE Exceptions: Credit line for discount of bills - in case of not fulfilling conctractual obligation regarding agreed % of turnover - flat fee 2% of nominal bill amount. Loan for buying of equipment vehicles from program of Government of Republic of Belarus - in case of not fulfilling conctractual obligation regarding agreed % of turnover - flat fee 2% of approved loa amount. 15