CONTENT ACCOUNTS... 2 Opening a current account... 2 Account statements... 2 PAYMENTS... 2 Domestic payments... 2 E-invoice standing orders... 3 Cross-border payments... 3 CASH PAYMENTS... 5 PAYMENT PACKAGES... 5 BANK CARDS... 6 Picture card... 6 Maestro Debit Card... 6 MasterCard Business Debit... 6 MasterCard Business Credit Card... 7 E-BANKING... 8 Nordea Netbank... 8 Multibank... 8 COLLECTION OF PAYMENTS... 8 CORPORATE PACKAGE... 9 LOANS... 9 Start-up loan... 9 Investment loan... 9 Stock financing... 9 Overdraft... 9 Loan for apartment associations... 9 Working capital loan... 9 LEASES... 9 Factoring... 11 TRADE FINANCE... 11 Import documentary credits... 11 Export documentary credits... 11 Documentary collections... 11 BANK GUARANTEE... 12 INVESTMENTS, SECURITIES AND DEPOSITS... 12 Investment funds... 12 Securities... 12 Transaction fees... 13 Deposits... 13 OTHER FEES... 14 1
ACCOUNTS Opening a current account For Estonian legal entities Opening account for Finnish, Swedish, Danish legal entities 50 Opening account for EU or Norwegian legal entities (excl. Cypros, Gibraltar, Malta) 250 Opening account for other legal entities (incl Cypros, Gibraltar, Malta) Opening and closing an account in Nordea outside of Estonia for a customer of Nordea Estonia branch 750 200 Account fee for non-eu countries (incl Cypros, Gibraltar, Malta) Yearly fee 750 Account statements Statements at customer s request - From a branch office - From Nordea Netbank - By email (digitally signed, encrypted) Account statement and list of transactions made from all ATMs in Estonia By post** - to Estonia - abroad Regular statements** 0,3 / page, min 3 0,2 / page, min 3 0,2 / page, min 7 Regular statements once a month - By post within Estonia - By post abroad Regular statements 10 th, 20 th and last day of the month - By post within Estonia - By post abroad Regular statements on each banking day - By post within Estonia - By post abroad 3 7 10 20 30 60 Sending/receiving a statement via SWIFT 13 ** Includes postage PAYMENTS Domestic payments Outgoing payments In the branch office Multibank In Nordea Netbank Euro payment 1.50 0.19 0.38 Urgent payment to another bank 1 10 10 Intra-bank payment 1.50 Salary payments Euro payment - 0.19 0.19 Intra-bank payment - 2
Standing orders Euro payment 0.38-0.38 Intra-bank payment - E-invoice standing orders Signing, amending and terminating a contract Intra-bank payment Domestic payment E-invoice one time payment Cross-border payments In the branch office Multibank In Nordea Netbank Payments in euros to EEA countries*** Euro payment 1.50 0.19 0.38 Payment in full to the beneficiary 1 30.50 24 24 Urgent payment in full to the beneficiary 1 36.50 30 30 Payment with the same value date 2 3 24 - Payment with the same value date in full to the beneficiary 1, 2 4 43 - Nordea intra-group payment 3 1.50 0.19 0.38 Nordea intra-group payment in full to the beneficiary 3 7.7 4 4 Nordea Intercompany payment 4 10 5.7 5.7 Payments in euros outside the EEA countries ***, payments in foreign currency to EEA countries and outside the EEA countries Foreign payment 11.50 Urgent payment 17.50 10 10 Payment in full to the beneficiary 1 30.50 24 24 Urgent payment in full to the beneficiary 1 36.50 30 30 Payment with the same value date 2 3 24 - Payment with the same value date in full to the beneficiary 1, 2 4 43 - Nordea intra-group payment 3 5.7 2 2 Nordea intra-group payment in full to the beneficiary 3 7.7 4 4 Nordea Intercompany payment 4 10 5.7 5.7 SWIFT cheque 11.50 - - 3
Amending a payment order confirmed by a customer, enquiries about transactions executed 6 Cancelling europayment order confirmed by a customer 10 Amending or cancelling a cross-border payment Actual costs, min 2 Enquiry about payment up to 6 months old 20 Enquiry about payment that is more than 6 months old 6 Incoming payments 5 Incoming payment in euros from EEA countries*** Incoming payment in a foreign currency or in euros from outside the EEA countries*** Payment received from a bank of the Nordea Group 5.7 *** The 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 the costs related to the transfer of a payment in full to the beneficiary (the service fees of the payment intermediaries and the bank of the beneficiary) exceed the service fee shown in this price list for this type of payment, the bank will later debit the difference between these costs and the service fee from the current account of the payer, in addition to the service fee. If you make a payment to an EEA country in an EEA currency, you can use the instruction 'payment in full to the beneficiary' ('OUR') only if the payment will require currency exchange because the currency of your bank account and the payment currency are different. 2 If you have an agreement for this. 3 Always as an urgent payment (T+1) and to Nordea Latvia and Lithuania in full to the beneficiary. 4 A Nordea intra-group payment between the accounts of the same customer with the same value date (T+0). 5 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. 6 The bank will not return the service charges paid by the remitter, if the payment could not be cancelled/amended. 4
CASH PAYMENTS Cash depositing to depositor s own account with Payment package in branch up to 6000 once in a day 1 Cash depositing to depositor s own account with Payment package in branch over 6000 once in a day 1 0,25 % of the amount, min Cash depositing in branch to depositor s own account in any amount (without Payment package) 0,25 % of the amount, min Cash depositing to another customer's account in Nordea Bank branch 0,25 % of the amount, min Cash withdrawal in a branch Cash depositing to the start-up account (share capital or holding) 0,25 % of the amount, min Euro coins 2 Depositing and withdrawal of coins in branch 2 % of the amount, min Exchange of coins to banknotes and opposite in branch 5 % of the amount, min Depositing of coins to another customer s account in branch 5 % of the amount, min Foreign currencies 3 Depositing cash for opening a deposit with a maturity of at least 3 months 4 in branch Cash depositing to foreign currency account in the same currency in branch Cash withdrawal from foreign currency account in the same currency in branch 1,5 % of the amount 1,5 % of the amount Euro and foreign currencies Checking banknotes in branch 0.20 per note Exchange of banknotes in the same currency in branch 0.5 % of the amount, min Exchange of euro banknotes of up to 100 euros for customers holding a current account in Nordea Estonia Cash withdrawal exceeding 10,000 euros 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 cash ordered to branch 40 1 The service fee will be calculated if the total amount of cash deposited in one day period exceeds 6000 euros. 2 Up to 1,000 euros in euro coins can be withdrawn at Nordea branch offices once a day. Larger amounts can be withdrawn in cooperation with AS G4S Estonia. 3 The bank does not accept foreign banknotes that are damaged or invalid for payment. The bank does not handle foreign coins. 4 If a deposit is terminated early the service fee for depositing cash will be calculated retroactively from the current price list. PAYMENT PACKAGES Number of payments in the package Monthly maintenance fee Payment package 1 25 payments 7 Payment package 2 50 payments 13 Payment package 3 125 payments 2 Payment package 4 250 payments 43 5
BANK CARDS Picture card Issuing a card for the first time 3.20 Picture card replacement 1.20 + card replacement fee Renewal of picture card 3.20 Maestro Debit Card Monthly maintenance fee 1 Cash withdrawal From Nordea ATMs in Estonia 1.30 - From other ATMs in Estonia - From ATMs abroad 1.9 + 2.5 % of the transaction value - Cash withdrawal at a branch office (except at Nordea branch offices in Estonia) Cash deposit in Nordea ATM s in Estonia 1 Other service fees related to bank cards Expedited order of a bank card / PIN code 3 PIN code replacement 1 Card replacement 2 Card renewal Closing a card A copy of the receipt for a disputed transaction - Transaction in Estonia - Transaction abroad** 7 Unjustified reclaim - Transaction in Estonia - Transaction abroad** 7 Blocking a card because of overdue payments 13 Penalty for using a closed or blocked card 6 Conversion fee for card transactions made in foreign currency 1 Cash deposit daily limit 20 000 ** Additional charges from foreign banks may apply if card transactions made abroad are disputed. MasterCard Business Debit Annual fee (including travel insurance) 10 Annual fee for an additional card (including travel insurance) 10 Monthly fee 1 Cash withdrawal From Nordea ATMs in Estonia 1.30 - From other ATMs in Estonia - From ATMs abroad 1.9 + 2.5% of the transaction value - Cash withdrawal at a branch office (except at Nordea branch offices in Estonia) Cash deposit in Nordea ATM s in Estonia 1 Other service fees related to bank cards Fast issuing of a bank card / PIN code 3 PIN code replacement 1 1 % of the amount 6
Card renewal Closing a card A copy of the receipt for a disputed transaction - Transaction in Estonia - Transaction abroad** 7 Unjustified reclaim - Transaction in Estonia - Transaction abroad** 7 Blocking a card because of overdue payments 13 Penalty for using a closed or blocked card 6 Conversion fee for card transactions made in foreign currency 1 % of the amount 1 Cash deposit daily limit 20 000 ** Additional charges from foreign banks may apply if card transactions made abroad are disputed. MasterCard Business Credit Card Annual fee (including travel insurance) 50 Annual fee for an additional card (including travel insurance) 50 Changing the credit limit 6 Cash withdrawal - From Nordea ATMs in Estonia - From other ATMs in Estonia 1.9 + 2.5% of the transaction value - From ATMs abroad - Cash withdrawal at a branch office (except at Nordea branch offices in Estonia) Other service fees related to bank cards Expedited order of a bank card/ PIN code 3 PIN code replacement 1 Card replacement Card renewal Closing a card A copy of the receipt for a disputed transaction - Transaction in Estonia - Transaction abroad** 7 Unjustified reclaim - Transaction in Estonia - Transaction abroad** 7 Blocking a card because of overdue payments 13 Penalty for using a closed or blocked card 6 Conversion fee for card transactions made in foreign currency 1 % of the amount Using MasterCard support service abroad (issuing a temporary replacement card) Actual costs, max 129 ** Additional charges from foreign banks may apply if card transactions made abroad are disputed. 7
E-BANKING Nordea Netbank Multibank In Nordea Netbank; package without a monthly fee In Nordea Netbank; package with a monthly fee** Package fee monthly fee 12,80 3.83 per user Outgoing payments Payment to another bank 0.19 0.38 0.16 Urgent payment to another bank 10 10 10 Intra-bank payment within Nordea Estonia (in any currency) Salary payments Payment to another bank 0.19 0.19 0.19 Intra-bank payment Standing orders Payment to another bank - 0.38 0.38 Intra-bank payment - Incoming payments - ** Service to be discontinued. Multibank Multibank Estonia package (domestic payments) 6.40 / month Multibank Full Package (domestic and international payments) 12.80 / month Additional fee for each extra company 6.40 / month Payment service fees See Domestic payments and cross-border payments Preliminary information on the receipt of international payments Electronic services abroad / monthly account fee 6.40 / month / customer If the customer uses the services offered by Nordea Estonia from abroad, the package fee of the local member bank of the Nordea Group will apply. Installation and user training for the Multibank banking program Additional consultation at customer s request 20 / hour + travel costs COLLECTION OF PAYMENTS Servicing of payment cards Servicing of payment cards in a company Commission fee on each payment transaction, % Monthly rental fee for a payment terminal As agreed As agreed Online servicing of payment cards Commission fee on each payment transaction, % Monthly fee for the E-Payment Terminal As agreed 9 (plus VAT) E-payment - Services for merchants and companies providing services Contract fee 50 Monthly fee 10 Transaction fee 1 % of the amount, min 0,13 Fee for contractual amendments 10 8
E-identification Contract fee 50 Monthly fee 10 Fee for contractual amendments 10 CORPORATE PACKAGE 1 Package fee Each additional Netbank user Contract fee for the overdraft 7.3 / month 3.83 / month 1 Service to be discontinued. LOANS Start-up loan Contract fee 1.5 % of the loan value, min 64 Fee for contractual amendments 1 % of the loan value, min 64 Investment loan Contract fee 1 % of the loan value, min 64 Fee for contractual amendments 1 % of the loan value, min 64 Stock financing Contract fee 1 % of the loan value, min 64 Fee for contractual amendments 1 % of the loan value, min 64 Overdraft Contract fee 1 % of the loan value, min 64 Fee for contractual amendments 1 % of the loan value, min 64 Loan for apartment associations Contract fee 1 % of the loan value, min 64 Fee for contractual amendments 1 % of the loan balance, min 64 Working capital loan Contract fee 1 % of the loan value, min 64 Fee for contractual amendments 1 % of the loan value, min 64 LEASES Fees for signing lease contracts VAT added Rate and fee Contract fee for a car or a commercial vehicle No 1.5 % of the purchase cost, min 190 Contract fee for equipment and machinery No 0.35 % of the purchase cost, min 250 Fees for amending lease contracts 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, granting a grace period) Changing the payment date in the contract's payment schedule Changing the obligation to insure the leased asset in the terms and conditions of a lease contract No No No 50 1 % on the unpaid residual value, min 150 50, first change is free of charge Changing the base rate of a lease contract to a floating No 50 (for a car lease contract), interest rate 100 (for other lease contracts) Changing other terms and conditions of a lease contract No 50 9
Early termination of a lease contract, selling a leased asset at a higher price Termination of a lease contract - A lease contract with a floating interest rate - A lease contract with a fixed interest rate No - 1.5 % on the unpaid residual value, min 150-1.5 % of the unpaid residual value, min 150 + actual costs incurred due to discontinuation of financing** Sale of an asset at a higher price than its residual value No 50 Other services Drawing up an unattested authorisation Drawing up a notarised authorisation (including the notary fee and state fees) - Issuing a permission to use a vehicle or to make 60 ( 72 including VAT) transactions in the traffic register in the standard 3 working Yes days - Issuing an urgent permission to use a vehicle or to make 100 ( 120 including VAT) transactions in the traffic register in 1 working day Fuel credit card administration fee - Card with a credit limit of 100 No 1 per calendar month - Card with a credit limit of 200 2 per calendar month - Card with a credit limit of 300 3 per calendar month Issuance of fuel credit card statement Yes 2,50 ( 3 including VAT) Issuing a written statement that confirms the right to sub-lease Yes 2 ( 30 including VAT) a leased asset Issuance of confirmation letter (certificate) Yes ( 6 including VAT) Release of additional collaterals of a lease contract Yes 50 ( 60 including VAT) plus actual costs (state fees, notary fees, etc.) Paying state and local taxes and parking fines Yes 2 ( 30 including VAT) per claim plus actual costs incurred by the lease company (VAT is added only to the administration fee) Breach of a contractual insurance obligation No The contractual penalty set out in the contract Payment for vehicle removal costs by the lease company Yes 50 ( 60 including VAT) plus actual costs Compensation of sending notification to a lessee of overdue payments or other obligation that is overdue No Signing a debt agreement No 300 Sale of an asset following early termination of a lease contract Yes 200 ( 240 including VAT) plus actual costs Repossession of a leased asset by the lease company following a breach of contract Fee for issuance of paper invoice Issuing an extract of contractual lease settlements and a copy of a bill at the lessee's request Issuing the balance of the payments and residual value at the lessee's request Registration of ownership in Road Administration e-service to the new owner who is not contractual party to the Nordea Finance Registration of the asset in Road Administration e-service in the name of the Nordea Finance by the employee of the lessor Yes Yes Yes Yes 300 ( 360 including VAT) plus actual costs 0,58 ( 0,70 including VAT) ( 6 including VAT) ( 6 including VAT) ** The costs of discontinuation of financing are calculated from the difference between the base rates (the base rate of a lease contract and the base rate prevailing when the contract is changed), the residual value of a lease contract and the remaining lease period. These are the actual costs that the lease company has to bear when a lease contract with a fixed interest rate is terminated before its end. Yes Yes 50 (60 including VAT) state fees will be added 50 (60 including VAT) state fees will be added 10
Factoring VAT added Price List of Nordea Bank Rate and fee Fixing a new buyer limit during the term of the contract Yes 64 * Extending or increasing a buyer limit Yes 64 * Sending a query about a buyer's credit insurance limit to the insurer at the request of a client Yes 64 * Changing other important terms and conditions of the contract Yes min 150 * Sending a written reminder to the buyer of a factoring client regarding unpaid invoice(s) Yes 3 * Balance confirmations * VAT at the rate of 20% will be added to the price Yes 10 * TRADE FINANCE Documentary credits Import documentary credits Drafting or amending a sample documentary credit (to be refunded from the issuing fee during settlement of accounts) 6 Issuing fee 0.2 % of the value of the documentary credit, min 12 Irrevocability fee (risk premium) for each 3-month period in the term of validity of the documentary credit By agreement, min 40 per 3 months Extension of the payment deadline By agreement, min 2 per month Fee for document handling, except for the first set of documents 50 Fee for amending a documentary credit 6 Handling of incorrect documents 90 (paid by the beneficiary of the documentary credit) Postage and telecommunication fees Actual costs, min 10 Export documentary credits Drafting or amending a sample documentary credit (to be refunded from the issuing fee during settlement of accounts) 6 Notification of the issuing of a documentary credit 6 Extension of the payment deadline Based on the bank and country risk level Handling of documents presented under the documentary credit 0.1 % of the value of the invoice, min 6 Confirmation fee Based on the bank and country risk level Discounting fee Based on the bank and country risk level + base interest rate + handling fee 5 Fee for notification of amendments to provisions 6 Transfer fee 0.25 % of the value of the documentary credit, min 6 Sending a SWIFT message 10 Postage fees Actual costs Documentary collections Handling a collection 0.15 %, min 6 Amending the terms and conditions of a collection 50 Assignment of goods (if the goods are sent in the name of the bank) 50 Sending a SWIFT message 10 Postage fees Actual costs 11
BANK GUARANTEE You must pay a guarantee provision during the term of a bank guarantee. This is normally calculated as an annual percentage of the amount guaranteed. The size of the guarantee provision depends on your particular circumstances such as your estimated risk level, your financial status or the value of the collateral. Issuing a guarantee 77 Sending a letter of guarantee, a claim for payment or another SWIFT message at a customer's request 10 Provision (risk premium) As agreed Additional fee for issuing a guarantee with the wording or under the conditions requested by the client 6 Processing a request for a guarantee payment 100 Changing an issued guarantee 77 Changing the collateral of a guarantee 32 Informing the addressee of receipt of a SWIFT message containing a letter of guarantee or changing a guarantee 6 Drafting or amending a sample letter of guarantee 6 INVESTMENTS, SECURITIES AND DEPOSITS Investment funds Nordea 1, SICAV and Nordea Fund of Funds, SICAV managed by Nordea Investment Funds S.A. Price List of Nordea Bank Nordea 1, SICAV equity funds and mixed funds, and Nordea funds of funds - Purchase and sale of units - Purchase of units under a standing order Nordea 1, SICAV bond funds - Purchase and sale of units - Purchase of units under a standing order Nordea 1, SICAV reserve or money market funds - Purchase and sale of units - Purchase of units under a standing order Exchange of units between sub-funds of the same umbrella fund - 3.20 + 1 % of the transaction value - 1 % of the transaction value - 3.20 + 0.5 % of the transaction value - 0.5 % of the transaction value - 3.20 + 0.3 % of the transaction value - 0.3 % of the transaction value 3,20 Funds managed by Nordea Rahastoyhtiö Suomi Oy 6 Equity fund Nordea European Fund and mixed fund Nordea Stable Return Fund 1 % of the transaction value - Sale Nordea Euro Bond Fund: - Sale 0.5 % of the transaction value East Capital funds 6 - Purchase and exchange of units - Sale Securities Opening and closing a securities account Opening an EVK securities account 23 Opening a Nordea securities account Closing a securities account - 3.20 + 1 % of the transaction value - 3.20 12
EVK securities account monthly fee 1 An EVK securities account with no securities 8 An EVK securities account where the total value of securities held is 0.0025 %, min 8 up to 3,000,000 euros An EVK securities account where the total value of securities held is more than 3,000,000 euros 80 + 0.001% of the amount exceeding 3,000,000 A Nordea securities account that holds Nordea investment fund units or Nordea structured bonds A Nordea securities account that holds securities registered in the depositories of Finland, Sweden, Norway and Euroclear Bank 0.01 % of the value of securities 3, min 1.60 for each depository EVK securities account statements 4 Price List of Nordea Bank Regular statements from EVK per calendar year Per day, per 10 days, per month or per quarter by post within Estonia Per day, per 10 days, per month or per quarter by post abroad Per day, per 10 days, per month or per quarter by email One-off statements from Nordea Estonia branch offices One-off statements from Nordea Estonia by fax within Estonia One-off statements from Nordea Estonia by fax abroad A copy of a transaction order Transaction fees 3 per issue 6.50 per issue 0.30 per issue 2 per issue 2 per issue 3 per issue 1.50 per issue 0.2 % of the transaction value, min 3.20 Securities registered in EVK - A delivery-without-payment securities transfer 4.50 - A delivery-without-payment securities transfer between EVK and a foreign depository 18 - A delivery-against-payment securities transfer 3.20 - Securities subscription 3.20 - Confirmation of a stock exchange transaction 3.20 - Registering a pledge 10 - A transaction with pledged securities 13 - Registering a pledge as financial collateral 3 - Transfer of the whole balance of a securities account to another custodian 1 - Transfer of the whole balance of a securities account from another custodian Cancellation of a transaction order 5 Service fee for a cancelled transaction Purchase and sale of securities traded on the Tallinn Stock Exchange 7 Foreign securities A securities transaction within Nordea Estonia 6 A securities transaction with a counterparty whose account is not in Nordea Estonia 22 Purchase and sale of Nordea index-linked bonds Purchase 6 and sale of equities registered in the depositories of Finland, Sweden, Norway, Denmark and Euroclear Bank 0.2 % of the transaction value, min 20 Purchase 6 and sale of bonds registered in the depositories of Finland, Sweden, Norway, Denmark and Euroclear Bank 20 1 VAT is added to the monthly fee. The bank debits the maintenance fee from the current account related to the securities account in the calendar month following the month when the fee is calculated. 2 The value of securities is calculated at the end of a calendar month. For equities listed on a stock exchange the value is calculated from the closing price on the last trading day of a month, for other securities from their face value and for investment fund units from their net asset value. 3 The value of securities is calculated at the end of a calendar month. For equities listed on a stock exchange the value is calculated from the closing price on the last trading day of a month, for other securities from their face value and for investment fund units from their net asset value. 4 VAT is added to the securities account statement fee. 5 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. 6 This service is only available to customers of Private Banking. 7 The purchase transaction is only available to customers of Private Banking and Corporate Banking. 13
Deposits Corporate savings deposit Payment from the corporate savings deposit to current account 0.02 % of the amount, min 2 OTHER FEES Filling in a payment order form 1.1 Issuing a confirmation or a certificate 4 Information request 40 per hour Request for audit information 20 A SWIFT copy or a copy of an XML message 10 Notification by post to a customer of overdue payments or another obligation that is overdue 6.40 A copy of an archived bank document 3.20 per page Sending data by email (encrypted) Fee for redemption of a cheque 1 Fee for redemption of a cheque 1 for a non-customer 20 An enquiry to the Business Register to check registered data 2 A reply to an auditor's enquiries 20 For groups 20 per member Intermediating services of other banks of the Nordea Group for customers of Nordea Estonia branch (e.g. executing and amending contracts, or forwarding account statements, certificates and other documents) Providing services of Nordea Estonia branch through other banks of the Nordea Group for customers of Nordea Estonia branch (e.g. executing and amending contracts, or forwarding account statements, certificates and other documents) Default interest rate Actual costs, min 50 Actual costs, min 50 0.2 % per day 1 Only cheques which indicate Nordea Bank AB Estonia Branch as the redeeming bank can be redeemed. 14