Daily banking package Gold - PDF Free Download

Private pricelist list for private customer Daily banking packages Daily banking packages Daily banking packages Daily banking package Daily banking package Gold Monthly fee 1.80 6.50 Monthly fee for senior customers (aged 60 or older) 6.50 Debit card + MasterCard Gold credit card (with travel and purchase protection insurance) + Platinum credit card (with travel and purchase protection insurance and 4 Priority Pass visits to airport's VIP-lounge) - Netbank + Intra-bank payments and euro payments through Netbank* + Cash withdrawal from crossbank ATMs in Estonia once a month with Nordea Debit debit card** + Cash withdrawal from Nordea ATMs in Estonia, Latvia, Lithuania, Finland, Sweden, Norway, Denmark and Russia Up to 2000 per calendar month free of charge 0.3% of the amount that exceeds 2000 Up to 2000 per calendar month free of charge 0.3% of the amount that exceeds 2000

* Except E-invoice one-time payment - to another bank and standing order payments. **Starting from second time cash withdrawal from bank ATMs, the price list of banking cards applies. ***The package is valid only to private banking customers. Current account opening Current account opening In the branch office / Telephone bank In Netbank Current account opening for EEA/EMP residents - Reviewing current account opening application and documentation for residents outside of EEA/EMP countries ** 250 - Account closing fee

Account statements Account statements* In the branch office / Telephone bank In Netbank Statements at customer s request - From a branch office - From Netbank (not digitally signed) - From Netbank (digitally signed) - By email (digitally signed, encrypted) - By post ** 0,30 / page min 5 5 5 0,30 / page min 5 0,30 / page min 5 5 5 0,30 / page min 5 Regular statements sent by e- mail 5 - * Once a year account statement at customers request is free of charge. **Postage fees will be added.

E-banking E-banking Netbank monthly fee(1) Code calculator registration fee(2) 15 Second time Code calculator registration fee 15 Nordea Codes application Payments in Netbank According to payments price list **For customer under 20 years old Netbank is free of charge. (1) Netbank is free of charge when customer has not chosen Netbank package with monthly fee - Daily Banking Package. (2) For customers over 60 years Code calculator device registration is free of charge.

Incoming payments Incoming payments Incoming Euro payment (domestic and from EU/ European Economic Area (EEA*))(1) Incoming payment in EUR (except EU/ European Economic Area (EEA*) member states) and in foreign currency from other foreign banks(1) 5.75 * The EU/EEA countries are: Austria, Belgium, Bulgaria, Croatia, Cyprus, the Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Monaco, the Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland, and the United Kingdom. (1) If an incoming payment is not in the currency of the account indicated on the payment order, the bank will convert the amount paid into the currency of the account at the exchange rate prevailing on the date of receipt of the payment.

Outgoing payments Domestic payments In the branch office / Telephone bank In Netbank Internal payment in any currency between ex- Nordea(2) accounts 2 Internal payment in EUR to ex- DnB Pank AS account (BIC RIKOEE22)(3) 2 (2) account which has been opened by Nordea Bank AB Estonia Branch up till 30.09.2017 or an account which has been opened by Luminor Bank AS after 01.10.2017 in ex-nordea bank system. Accounts with IBAN in format: EExx1700017xxxxxxxxx. (3) The payment is performed on the same banking day if it has been initiated before 16:00 PM.

Domestic euro payments and euro payments within EU/European Economic Area (EEA) member states In the branch office / Telephone bank In Netbank Domestic euro payment to Estonia and EU/EEA* member states(3) 3 0.38 Euro payment to account in ex- DnB Bank Estonia (BIC RIKOEE22)(3) 2 Urgent domestic euro payment to another bank in Estonia, including urgent payment to ex- DnB Pank AS account (BIC RIKOEE22) 20 10 * The EU/EEA countries are: Austria, Belgium, Bulgaria, Croatia, Cyprus, the Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Monaco, the Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland, and the United Kingdom. (3) The payment is performed on the same banking day if it has been initiated before 16:00 PM.

International payments Payments in euros outside the EU/European Economic Area (EEA) member states, payments in foreign currency In the branch office / Telephone bank In Netbank International payment(4)(7) 11.50 5 International payment in full to the beneficiary(4)(5)(7) 30.50 24 Urgent international payment(4)(7) 17.50 11 Urgent international payment in full to the beneficiary(4)(5)(7) 36.50 30 Express international payment(6)(7) 35 - Express international payment in full to beneficiary(5)(6)(7) 45 - (4) Cut-off time for submitting the payment in branch office or in Telephone bank is 16:00. (5) Remitter (OUR) the Customer as the remitter shall pay the fee set by the Bank and such fee shall cover the fees set by all other banks involved in the process of execution of payment. However, the Bank shall not be held liable if during the process of execution of payment no fees of other banks are withheld or the recipient does not receive the payment amount in full due to other reasons beyond the Bank's control. Remitter (OUR) charges allowed in case of beneficiary account is held in the bank outside EU/EEA member states. (6) Same day value payment; payment type available only in following currencies: EUR, USD until 15:00, NOK, SEK, GBP until 14:00, DKK until 12:00. (7) Correspondent bank`s service fees may be added to the payer and payee`s banks` service fees. The aforementioned applies to both shared costs and full amount to payee payments and both the payer`s and payee`s correspondent banks may charge a fee.

International payments with discounted fee In the branch office / Telephone bank In Netbank Payment to account belonging to Nordea Group(8) or to ex- Nordea Bank AB Latvia or Lithuania branch account(2)(4) 5.75 2 Payment to account belonging to Nordea Group(8) in full to beneficiary(4)(9) 7.75 4 Intercompany payment(4)(10) 10 5.75 (2) account which has been opened by Nordea Bank AB Latvia Branch or Lithuania Branch up till 30.09.2017 or account, which has been opened by Luminor Bank AS or Luminor Bank AB after 01.10.2017 in ex-nordea bank system (including all accounts with IBAN in format LVxxNDEAxxxxxxxxxxxxxxx or LTxx21400xxxxxxxxxxx). (4) Cut-off time for submitting the payment in branch office or in Telephone bank is 16:00. (8) Nordea Bank AB and its branches and subsidiaries. Luminor Bank AS is not a part of Nordea Group. (9) Always as an urgent payment (T+1) and to ex-nordea Bank AB Latvia or Lithuania branch (see also ref. 2) in full to the beneficiary (10) Same day value payment (T+0) to same customer s account in Nordea Group or to same customer s account in ex-nordea Bank AB Latvia or Lithuania branch (see also ref. 2).

Other payment services Standing order payment In the branch office / Telephone bank In Netbank Standing payment order between ex-nordea accounts Standing order payment in euros to Estonia and EU/EEA* member states 0.38 0.38 In the branch office / Telephone bank In Netbank Signing, amending and terminating e-invoice standing order agreement E-Invoice standing order internal E-Invoice standing order to another bank E-invoice one-time payment - internal - E-invoice one-time payment - to another bank - 0.38 * The EU/EEA countries are: Austria, Belgium, Bulgaria, Croatia, Cyprus, the Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Monaco, the Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland, and the United Kingdom.

Other payment related services SWIFT or XML copy of payment 10 Payment order confirmation 10 Cancellation, investigation and amendment of domestic euro payment to Estonia and EU/EEA* member states(11) 10 International payment cancellation, investigation and amendment within 6 months(11) 30 International payment cancellation, investigation and amendment more than 6 months(11) 65 * The EU/EEA countries are: Austria, Belgium, Bulgaria, Croatia, Cyprus, the Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Monaco, the Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland, and the United Kingdom. (11) The bank will not return the service charges paid by the remitter, if the payment could not be cancelled/amended. Beneficiary bank s charges may be added.

Loans Housing loan Contract fee 1% of the loan amount, min 190 Increasing the loan amount 2% of the additional amount, min 100 Changing the type of base rate or the type of loan(1) 1% of the loan balance, min 100 Granting a grace period(2) 60 Changing the monthly payment date(2) Once a year free of charge Changing other terms and conditions of the loan contract (incl. changing margin) / Changing collateral 1% of the loan balance, min 200 Early repayment of the loan either in part or in full(2) of charge if notice is given 3 months in advance; in other cases interest is calculated for up to 3 months on the amount that is repaid early Changing the current account related to the loan 30 (1) The current loan must be repaid first and after that a new loan can be granted. (2) Not applicable to loans with a fixed base rate or loans with a limit on interest rate rises.

Idea Loan Contract fee 1% of the loan amount, min 130 Increasing the loan amount 2% of the additional amount, min 100 Changing the monthly payment date 2 Once a year free of charge Changing other terms and conditions of the loan contract / Changing collateral 1.5% of the loan balance, min 200 Early repayment of the loan either in part or in full2 of charge if notice is given 3 months in advance; in other cases interest is calculated for up to 3 months on the amount that is repaid early Changing the current account related to the loan 30 1 The current loan must be repaid first and after that a new loan can be granted. 2 Not applicable to loans with a fixed base rate or loans with a limit on interest rate rises.

Consumer loan Contract fee 1.5% of the loan amount, min 60 Increasing the loan amount 1% of the additional amount, min 30 Changing the monthly payment date Once a year free of charge Changing other terms and conditions of the loan contract 1% of the loan balance, min 30 Early repayment of the loan either in part or in full of charge if notice is given 3 months before; in other cases interest is calculated for up to 3 months on the amount that is repaid early. Early repayment of a loan without real estate collateral is free Changing other terms 60 Changing the collateral 100

Renovation loan Contract fee 1.5% of the loan amount, min 100 Increasing the loan amount 2% of the additional amount, min 100 Granting a grace period 2 60 Changing the monthly payment date 2 Once a year free of charge Changing other terms and conditions of the loan contract / Changing collateral 1% of the loan balance, min 200 Early repayment of the loan either in part or in full2 of charge if notice is given 3 months before; in other cases interest is calculated for up to 3 months on the amount that is repaid early Changing the current account related to the loan 30 Overdraft Contract fee 20 Credit limit fee (yearly) 1% of the amount of the limit, min 10 Increasing the limit 1% of the additional credit limit, min 10 Reducing the limit Once a year free of charge Changing other terms and conditions of the loan contract 1% of the limit, min 10 Termination of contract

Student loan Contract fee Amending a contract 5 Interest rate 5% per year Switching a student loan from another credit institution to Luminor 10 Other service fees Penalty for failure to submit the insurance policy of the collateral 100 Leasing Fees for signing lease contracts VAT added Rate and fee Contract fee for a car or a commercial vehicle NO 1% of the purchase cost min 200

Fees for amending lease contracts VAT added Rate and fee Amendments to a lease contract: (changing the type of contract, changing the lease period, changing the type of payment schedule, making an additional down-payment, transferring the contract to another lessee, grace period) NO 150 Changing the payment date in the contract's payment schedule NO 50, on first 3 months of the contract the change is free of charge Changing the obligation to insure the leased asset in the terms and conditions of a lease contract NO 50 Changing other terms and conditions of a lease contract NO 50

Early termination of a lease contract, selling a leased asset at a higher price VAT added Rate and fee Fixed-rate financial lease contract: the contract expires in less than one year YES 0.5% of the credit sum that is repaid early Fixed-rate financial lease contract: the contract expires in more than one year YES 1% of the credit sum that is repaid early Financial lease contract with a floating rate YES No premature termination fee Operational lease contract with a fixed rate YES The sum of the scheduled rates calculated for the period from the early repayment until the expiry of the contract Operational lease contract with a floating rate: the term for advance notice is three months YES No premature termination fee Operational lease contract with a floating rate: the term for advance notice is less than three months YES The sum of three months interest payments. The fee will not exceed the sum of the scheduled rates for the period from the early repayment until the expiry of the contract. Sale of an asset at a higher price than its residual value NO 50

Other services VAT added Rate and fee Issuing a power of attorney, a copy of a contract or invoice, bank statement, certificate or other document related to a contract at the customer s request YES 10 (12 including VAT) Drawing up a notarized authorization (including the notary fee and state fees) - Issuing a permission to use a vehicle or to make transactions in the traffic register in the standard 3 working days - Issuing an urgent permission to use a vehicle or to make transactions in the traffic register in 1 working day YES 100 (120 including VAT) 150 (180 including VAT) Issuing a written statement that confirms the right to sublease a leased asset YES 25 (30 including VAT) Release of the additional collateral of a lease contract YES 50 (60 including VAT) Paying state and local taxes and parking fines YES 25 (30 including VAT) per claim plus actual costs incurred by the lease company (VAT is added only to the administration fee) Compensation for delays in returning a vehicle on time (per day) NO 30 Compensation for sending a notice regarding arrears or other outstanding obligations NO 5 Signing a debt agreement NO 150 Restoring a prematurely cancelled contract NO 190

Sale of an asset following early termination of a lease contract VAT added YES Rate and fee 200 (240 including VAT) plus actual costs kulud Issuing a statement to confirm a client's debt or the balance of the unpaid residual value at the lessee's request NO Registration of ownership in Road Administration e-service to the new owner who is not contractual party to the Luminor Finance YES 50 (60 including VAT) state fees will be added Registration of the asset in Road Administration e-service in the name of the Luminor Finance by the employee of the lessor. YES 50 (60 including VAT) state fees will be added

Mastercard Debit Mastercard Debit Monthly fee - Customers aged under 20 or over 60 Main card Monthly fee - Other customers 1.20 (3) Cash withdrawal from Luminor ATMs in Estonia, Latvia, Lithuania and Nordea ATMs in Finland, Sweden, Norway, Denmark and Russia Up to 2000 per calendar month free of charge 0.3% of the amount that exceeds 2000 Cash withdrawal from ATMs of other banks in Estonia 1.30 Cash withdrawal from ATMs of other banks in EMU countries (2) 1.30 Cash withdrawal from ATMs of other banks abroad Cash withdrawal at a branch office except in our branches in Estonia Cash deposit in Luminor ATM s in Estonia(1) Fast issuing of a bank card 35 Card replacement fee Card renewal fee Closing a card Issuing a PIN code Fee for changing card 24h usage limit in branch offices and Telephone Bank

Changing the credit limit Conversion fee for card transactions made in foreign currency 2 % of the amount Balance enquiry from other bank ATM 0.35 (1) Cash deposit daily limit 6000 euros (2) (EMU-Economic and Monetary Union of the Europa Union): Austria, Belgium, Cyprus, Estonia, Finland, France, Germany, Greece, Ireland, Italy, Spain, Latvia, Lithuania, Luxembourg, Malta, the Netherlands, Portugal, Slovakia and Slovenia. (3) The monthly maintenance fee will not be implemented if the monthly purchase transactions made with the credit card exceed 600 euros. Only the transactions confirmed during the month will qualify. If the purchase sum requirement is met, the discount will be applied the first month the monthly fee is due for the credit card.

Mastercard Gold Mastercard Gold Monthly fee 5 Cash withdrawal from Luminor ATMs in Estonia, Latvia, Lithuania and Nordea ATMs in Finland, Sweden, Norway, Denmark and Russia Up to 2000 per calendar month free of charge 0.3% of the amount that exceeds 2000 Cash withdrawal from ATMs of other banks in Estonia Cash withdrawal from ATMs of other banks in EMU countries(2) Cash withdrawal from ATMs of other banks abroad Cash withdrawal at a branch office except in our branches in Estonia Cash deposit in Luminor ATM s in Estonia(1) Fast issuing of a bank card 35 Card replacement fee Card renewal Closing a card PIN code replacement Fee for changing card 24h usage limit in branch offices and Telephone Bank Changing the credit limit Conversion fee for card transactions made in 2 % of the amount

Mastercard Platinum Mastercard Platinum Annual fee 135 Cash withdrawal from Luminor ATMs in Estonia, Latvia, Lithuania and Nordea ATMs in Finland, Sweden, Norway, Denmark and Russia Up to 2000 per calendar month free of charge 0.3% of the amount that exceeds 2000 Cash withdrawal from ATMs of other banks in Estonia Cash withdrawal from ATMs of other banks in EMU countries(2) Cash withdrawal from ATMs of other banks abroad Cash withdrawal at a branch office except in our branches in Estonia Cash deposit in Luminor ATM s in Estonia(1) Fast issuing of a bank card 35 Card replacement fee Card renewal Closing a card PIN code replacement Changing the credit limit Conversion fee for card transactions made in foreign currency 2 % of the amount

Priority Pass lounge visit (starting from the 5th visit in a calendar year) 27 Blocking a card because of overdue payments Sending paper invoices by post 5 Balance enquiry from other bank ATM 0.35 Using MasterCard support service abroad (issuing a temporary replacement card) Actual costs, max 129 (1) Cash deposit daily limit 6000 euros (2) Members of the EU that have adopted the euro as their currency

Mastercard Credit Mastercard Credit Monthly fee 1.40 (3) Cash withdrawal from Luminor ATMs in Estonia, Latvia, Lithuania and Nordea ATMs in Finland, Sweden, Norway, Denmark and Russia Cash withdrawal from ATMs of other banks in Estonia Cash withdrawal from ATMs of other banks in EMU countries(2) Cash withdrawal from ATMs of other banks abroad Cash withdrawal at a branch office except in our branches in Estonia Cash deposit in Luminor ATM s in Estonia(1) Fast issuing of a bank card 35 Card replacement fee Card renewal Closing a card PIN code replacement Fee for changing card 24h usage limit in branch offices and Telephone Bank Changing the credit limit Conversion fee for card transactions made in 2 % of the amount

foreign currency Blocking a card because of overdue payments 13 Sending paper invoices by post 5 Balance enquiry from other bank ATM 0.35 Using MasterCard support service abroad (issuing a temporary replacement card) Actual costs, max 129 (1) Cash deposit daily limit 6000 euros (2) Members of the EU that have adopted the euro as their currency (3) The monthly maintenance fee will not be implemented if the monthly purchase transactions made with the credit card exceed 400 euros. Only the transactions confirmed during the month will qualify. If the purchase sum requirement is met, the discount will be applied the first month the monthly fee is due for the credit card.

Mastercard Stockmann Mastercard Stockmann Monthly fee 1.50 (3) Cash withdrawal from Luminor ATMs in Estonia, Latvia, Lithuania and Nordea ATMs in Finland, Sweden, Norway, Denmark and Russia Cash withdrawal from ATMs of other banks in Estonia Cash withdrawal from ATMs of other banks in EMU countries(2) Cash withdrawal from ATMs of other banks abroad Cash withdrawal at a branch office except in our branches in Estonia Cash deposit in Luminor ATM s in Estonia(1) Fast issuing of a bank card 35 Card replacement fee Card renewal Closing a card PIN code replacement Fee for changing card 24h usage limit in branch offices and Telephone Bank Changing the credit limit Conversion fee for card transactions made in 2 % of the amount

Mastercard PINS Mastercard PINS Monthly fee 2 Cash withdrawal from Luminor ATMs in Estonia, Latvia, Lithuania and Nordea ATMs in Finland, Sweden, Norway, Denmark and Russia Cash withdrawal from ATMs of other banks in Estonia Cash withdrawal from ATMs of other banks in EMU countries(2) Cash withdrawal at a branch office except in our branches in Estonia Cash deposit in Luminoe ATM s in Estonia(1) Fast issuing of a bank card 35 Card replacement fee Card renewal Closing a card PIN code replacement Fee for changing card 24h usage limit in branch offices and Telephone Bank (excl Platinum) Changing the credit limit Conversion fee for card transactions made in foreign currency 2 % of the amount

Blocking a card because of overdue payments 13 Sending paper invoices by post 5 Balance enquiry from other bank ATM 0.35 Using MasterCard support service abroad (issuing a temporary replacement card) Actual costs, max 129 (1) Cash deposit daily limit 6000 euros (2) Members of the EU that have adopted the euro as their currency

Mastercard Finnair Plus Mastercard Finnair Plus Monthly fee 4 (3) Cash withdrawal from Luminor ATMs in Estonia, Latvia, Lithuania and Nordea ATMs in Finland, Sweden, Norway, Denmark and Russia Cash withdrawal from ATMs of other banks in Estonia Cash withdrawal from ATMs of other banks in EMU countries(2) Cash withdrawal from ATMs of other banks abroad Cash withdrawal at a branch office except in our branches in Estonia Cash deposit in Luminor ATM s in Estonia(1) Fast issuing of a bank card 35 Card replacement fee Card renewal Closing a card PIN code replacement Fee for changing card 24h usage limit in branch offices and Telephone Bank (excl Platinum) Changing the credit limit Conversion fee for card transactions made in 2 % of the amount

Maestro Maestro Monthly fee - Customers aged under 20 or over 60 Main card Monthly fee - Other customers 1 Cash withdrawal from Luminor ATMs in Estonia, Latvia, Lithuania and Nordea ATMs in Finland, Sweden, Norway, Denmark and Russia Up to 2000 per calendar month free of charge 0.3% of the amount that exceeds 2000 Cash withdrawal from ATMs of other banks in Estonia 1.30 Cash withdrawal from ATMs of other banks in EMU countries(2) 1.30 Cash withdrawal from ATMs of other banks abroad Cash withdrawal at a branch office except in our branches in Estonia Cash deposit in Luminor ATM s in Estonia(1) Fast issuing of a bank card 35 Card replacement fee Card renewal fee Closing a card Issuing a PIN code Fee for changing card 24h usage limit in branch offices and Telephone Bank

MC Standard MC Standard Annual fee 30 Cash withdrawal from Luminor ATMs in Estonia, Latvia, Lithuania and Nordea ATMs in Finland, Sweden, Norway, Denmark and Russia Up to 2000 per calendar month free of charge 0.3% of the amount that exceeds 2000 Cash withdrawal from ATMs of other banks in Estonia 1.30 Cash withdrawal from ATMs of other banks in EMU countries(2) Cash withdrawal from ATMs of other banks abroad Cash withdrawal at a branch office except in our branches in Estonia Fast issuing of a bank card 35 Card replacement fee Card renewal fee Closing a card Issuing a PIN code Fee for changing card 24h usage limit in branch offices and Telephone Bank Changing the credit limit Conversion fee for card transactions made in foreign currency 2 % of the amount

Blocking a card because of overdue payments 13 Sending paper invoices by post 5 Balance enquiry from other bank ATM 0.35 Using MasterCard support service abroad (issuing a temporary replacement card) Actual costs, max 129 (2) Members of the EU that have adopted the euro as their currency

MC Gold MC Gold Annual fee 96 Cash withdrawal from Luminor ATMs in Estonia, Latvia, Lithuania and Nordea ATMs in Finland, Sweden, Norway, Denmark and Russia Up to 2000 per calendar month free of charge 0.3% of the amount that exceeds 2000 Cash withdrawal from ATMs of other banks in Estonia 1.30 Cash withdrawal from ATMs of other banks in EMU countries(2) Cash withdrawal from ATMs of other banks abroad Cash deposit in Luminor ATM s in Estonia(1) Fast issuing of a bank card 35 Card replacement fee Card renewal Closing a card PIN code replacement Fee for changing card 24h usage limit in branch offices and Telephone Bank Changing the credit limit Conversion fee for card transactions made in foreign currency 2 % of the amount

Blocking a card because of overdue payments 13 Sending paper invoices by post 5 Balance enquiry from other bank ATM 0.35 Using MasterCard support service abroad (issuing a temporary replacement card) Actual costs, max 129 (2) Members of the EU that have adopted the euro as their currency

Mastercard Topeltneto Mastercard Topeltneto Monthly fee 3 Cash withdrawal from Luminor ATMs in Estonia, Latvia, Lithuania and Nordea ATMs in Finland, Sweden, Norway, Denmark and Russia Cash withdrawal from ATMs of other banks in Estonia Cash withdrawal from ATMs of other banks in EMU countries 2 Cash withdrawal from ATMs of other banks abroad Cash withdrawal at a branch office except in our branches in Estonia Cash deposit in Luminor ATM s in Estonia 1 Fast issuing of a bank card 35 Card replacement fee Card renewal Closing a card PIN code replacement Fee for changing card 24h usage limit in branch offices and Telephone Bank Changing the credit limit Conversion fee for card transactions made in 2 % of the amount

foreign currency Blocking a card because of overdue payments 13 Sending paper invoices by post 5 Balance enquiry from other bank ATM 0.35 Using MasterCard support service abroad (issuing a temporary replacement card) Actual costs, max 129 (1) Cash deposit daily limit 6000 euros (2) Members of the EU that have adopted the euro as their currency Deposits Deposits Opening a deposit Cash payment for opening a deposit Cash payment into a Child s Deposit or own Savings Deposit in branch Payment to child's deposit or payee's own Savings Deposit in Netbank or branch Payment from the Savings Deposit to current account - First withdrawal of the month from any of payee's Savings Deposits(1) - All subsequent withdrawals 0.30% of the amount, min 1.60 (1) If a depositor has more than one Savings deposit, only one payment per month for all the Savings deposits is free.

Investments Securities account Opening an internal Luminor Bank securities account Opening an EVK securities account 4 Opening an EVK securities account for buying Luminor pension funds Closing a securities account Securities account monthly maintenance fee(1) An EVK securities account with no securities 0.60 An EVK securities account with no securities or where the total value 2 of securities held is: up to 10,000 euros from 10,000 to 100,000 euros more than 100,000 euros 0.60 1.50 3.50 An internal Nordea securities account that holds: Fund units or Nordea index-linked bonds Global securities (Australia, Austria, Belgium, Canada, Denmark, Euroclear (fixed income), Finland, France, Germany, Hong Kong, Ireland, Italy, Japan, Netherlands, Norway, Poland, Singapore, Spain, Sweden, Switzerland, UK, USA). Global securities of other markets 0.01% of the value of securities 2, min 1.60 By agreement (1) VAT is added to the monthly fee. The bank debits the monthly fee from the current account related to the securities account in the calendar month following the month when the fee is calculated.

Fund transactions Equity funds, mixed funds and funds of funds - Subscription (subscription fee + settlement fee) - Redemption (redemption fee + settlement fee) - Regular investment by standing order 1%, min 1 1%, min 1 1% Bond funds - Subscription (subscription fee + settlement fee) - Redemption (redemption fee + settlement fee) - Regular investment by standing order 0.50%, min 1 0.50%, min 1 0.50% Reserve or money market funds - Subscription (subscription fee + settlement fee) - Redemption (redemption fee + settlement fee) - Regular investment by standing order 0.30%, min 1 0.30%, min 1 0.30% Switch transaction 3.20 Funds managed by Nordea Funds Ltd. Equity funds - Redemption 1% Bond funds - Redemption 0.50 % Funds managed by East Capital 5 Redemption 3.20 Index-linked bonds Subscription in primary market Purchase in secondary market 3% Sale of index-linked bonds Safekeeping Transaction with defined counterparty 6 * The transaction fee is debited to the transaction currency. VAT is added to the securities account statement fee.

Securities trading - Equities trading(5) Estonia 0.20% min 3.20 Australia, Austria, Belgium, Canada, Denmark, Finland, France, Germany, Hong Kong, Ireland, Italy, Japan, Latvia, Lithuania, Netherlands, Norway, Spain, Sweden, Switzerland, UK, USA 0.20% min 20 EVK securities subscription Fee stated in the prospectus, min 3.20 Poland 0.30% min 30 Singapur 0.50% min 50 Other markets By agreement Bonds trading Subscription to bonds(5) 0.10% min 20 Subscription to EVK bonds(5) Fee stated in the prospectus, min 3.20 Secondary market bond trades(5) Local market: 0.10% min 240 Eurobond market: 0.30% min 40 Other bonds: according to agreement but not more than 2%, min 40 Other securities transactions Securities transaction within Luminor Bank Estonia 6 EVK securities - FOP - FOP between EVK and other depository - DVP 4.50 18 3.20 Transactions with non-evk securities of below countries with counterparty outside Luminor Bank Estonia - Euroclear (fixed income), Austria, Belgium, Canada, France, Germany, Ireland, Italy, Netherlands, Poland, Spain, Switzerland, UK - Australia, Hong Kong, Singapore and Japan, USA 40 70 By agreement

- - Other countries Transfer of the whole balance of an EVK securities account - To another custodian - From another custodian to Luminor Bank 15 Cancellation/Correction(4) Service fee for a cancelled transaction (4) If the bank incurs costs from the cancellation of a transaction order due to price changes, penalties payable to other institutions and so forth, the bank will debit the costs from the customer's current account. (5) This service is only available to customers of Private Banking. Reports(3) EVK securities account periodic statement - For calendar year - Per day, per 10 days, per month or per quarter by post (local) - Per day, per 10 days, per month or per quarter by post (international) - Per day, per 10 days, per month or per quarter by e-mail 3 6.50 0.30 EVK securities account statement from branch or by fax 3 Statements at customer s request: - from a branch office - from Netbank (not digitally signed) - from Netbank (digitally signed) - by email (digitally signed, encrypted) - by post 5 5 5 (3) VAT is added to the securities account statement fee.

Other securities related services EVK securities: Registering a pledge 10 EVK securities: Transaction with pledged securities 15 EVK securities: Registering a financial collateral 35 Other securities related services By agreement Pension funds III pillar pension fund Purchase of units Intra-bank payment fee Purchase of units by standing order Standing order fee Sale of units 3.20 Exchange of units FOP (free of payment) transaction 4.50 Transfer of the whole balance of an EVK securities account to Luminor Bank (6) Transactions with pension fund units incur subscription and redemption fees stated in the relevant fund's prospectus

II pillar pension funds, i.e. mandatory funded pension Contributions - Choice application - Application for changing the units of a pension fund - Fee for enquiry in a branch office 1 / per page Pension account statement - by e-mail - by post 3 Succession - An application to sell inherited pension fund units - An application to transfer inherited pension fund units into the pension account of the inheritor 22 6 Payments - An application for a lump sum payment from a pension fund - An application for a fund pension - An application to change a fund pension 3 5 5

Cash Cash Banknotes (euro) - Cash depositing into payee s own account up to 100 in one day in branch(1) Cash depositing into payee s own account more than 100 in one day** in branch(1) 0.25% of the amount, min 5 Cash depositing to another customer's current account or Savings Deposit in branch 0.25% of the amount, min 5 Cash payment into a Child s Deposit or own Savings Deposit in branch Cash withdrawal in branch 0.25% of the amount, min 5 Cash withdrawals and closing account if remaining balance is less than 5 Coins2 - Depositing coins into a Child s Deposit account in branch Depositing and withdrawal of coins in branch 5% of the amount, min 5 Exchange of coins to banknotes or opposite in branch 5% of the amount, min 5 Foreign currencies2 - Cash payment into an account in the same currency in branch 1.5% of the amount Withdrawal of cash from an account in the same currency in branch 1.5% of the amount

Euro and foreign currencies - Currency exchange cash transaction fee 2 +exchange rate Checking banknotes in branch 0.20 per note Exchange banknotes in branch 0.5% of the amount, min 5 Cash withdrawal exceeding 10,000 or the equivalent in another currency provided that the bank has been notified of it at least two banking days in advance Surcharge for a same day cash withdrawal exceeding the above limit if the bank has not been notified in advance 40 Penalty for failure to withdraw the ordered cash 40 ** The service fee will be calculated if the total amount of cash deposited in one day period exceeds 100. (1) Up to 100 in euro coins can be withdrawn at Luminor branch offices once a day. Amounts over 100 are subject to the fee for "Depositing, withdrawal and exchange of coins".

Powered by TCPDF (www.tcpdf.org) Other fees Other fees Issuing a confirmation or a certificate 4 Urgent confirmation or certificate 10 A copy of an archived bank document 10 Sending data by e-mail (encrypted) 5 Information request 40 per hour/ minimum 20 Request for audit information 20 Notification to a customer of a debt or other obligation that is overdue 5 from the second reminder Default interest on consumer credit debt ** Default interest rate set by law, which is calculated for a 360-day year Default interest on other debts ** Default interest rate set by law, which is calculated for a 360-day year Default interest 0.2% in a day ** ECB rate + 8,05% yearly (0,022% in a day), but not less than the contractual interest rate. The ECB rate is the interest rate of the European Central Bank applied to the main refinancing operations. It is published twice a year (1 January and 1 July) in the Official Journal by Eesti Pank.