Payments... 2 Foreign transfers... 2 Cheques... 4 Visa/Dankort and debit card... 4 Handelsbanken Debit... 5 Mastercard... 6 Netbank and Mobilbank... 7 Info Service and SMS service... 10 Loans and documents... 10 Housing cooperative loans (BoligLån Andel)... 11 Car loan... 11 Mortgage loan... 11 Private loan... 11 Mortgage loan (PrioritetsLån)... 11 Mortgage loan (Realkreditlån)... 12 Construction loan... 12 PriorityCredit... 13 Propertysale... 13 Foreign currency loan... 13 Reminders and rejection of payments... 13 Credit information... 14 Trade in securities... 14 Custody... 16 Pension... 17 Budget... 18 Service account... 18 Basic account... 18 Box... 18 Various services... 19 Handelsbanken CVR-nr. 24246361 Filial af Svenska Handelsbanken AB (publ), Sverige - Org.nr. 502007-7862 Page 1 of 20
Payments Via Netbank/ Mobilbank Via branch office FI- and giro payment slip 45.00 DKK FI- and giro payment slip from 18-27 Account 45.00 DKK FI- and giro payment slip non-customers Bank transfers Between own accounts in the bank To another financial institution or to another bank customer - without receipt (from 18-27 Account and 18-27 Savings) 30.00 DKK - without receipt 30.00 DKK - with receipt 12.50 DKK 40.00 DKK Same day transfer to another financial institution additional fee 0.25 DKK 10.00 DKK Faster payment to another financial institution additional fee 1.00 DKK 15.00 DKK Fixed amount to another financial institution - establishment/change 30.00 DKK Fixed amount to another financial institution - fee per transaction 1.00 DKK Transfer via Nationalbanken (Danish Central Bank) To another financial institution without notification 30.00 DKK Cash withdrawal Payment from an account in another financial institution Payment Dankort or Visa/Dankort from another financial institution - - Foreign transfers Via Netbank Via branch office Transfers to foreign countries Transfer in EUR to recipient in EU or EEA (SEPA) 20.00 DKK 75.00 DKK Normal, others 60.00 DKK Economy 30.00 DKK not possible Express 350.00 DKK + ½, min. 380.00 DKK 350.00 DKK + ½, min. 380.00 DKK Transfer with same day value 400.00 DKK + 1 400.00 DKK + 1 (requires prior agreement with Handelsbanken) Nordbetaling (transfer to account at Handelsbanken in Sweden, Norway, Finland, Luxembourg and Great Britain) min. 430.00 DKK min. 430.00 DKK 75.00 DKK Transfers from foreign countries Normal 30.00 DKK 30.00 DKK Nordbetaling (transfer from account at Handelsbanken in Sweden, Norway, Finland, Luxembourg and Great Britain) For forwarding to another financial institution or forwarding of a cheque - 110.00 DKK Handelsbanken CVR-nr. 24246361 Filial af Svenska Handelsbanken AB (publ), Sverige - Org.nr. 502007-7862 Page 2 of 20
Other charges for transfers to/from foreign countries Foreign costs paid by sender - OUR Charges at recipient may exceed. In that case additional costs are debited later. Repair charge on all foreign transfers (both sent and received), 85.00 DKK 85.00 DKK if BIC (SWIFT address) and/or IBAN is missing or is incorrect Processing of returned sent transfer Retrieval of further information on the recepient bank's request 350.00 DKK 350.00 DKK Telephone/fax notification Recall/amendment/enquiry 350.00 DKK 350.00 DKK SEPA Direct Debit Each collection debited EUR account 1.85 DKK Charges for refund and refusalwill be collected from the bank of the creditor Currency margins Standard currency margins for international payments (selected noted currencies) Handelsbanken buy Handelsbanken sell AUD Australian Dollar -1.30 +1.30 CAD Canadian Dollar -1.20 +1.20 CHF Swiss Franc -1.00 +1.00 CNY Chinese Renminbi -0.50 +0.50 CZK Czech Koruna -0.15 +0.15 EUR Euro -1.35 +1.35 GBP British Pound Sterling -2.10 +2.10 HKD Hong Kong Dollar -0.65 +0.65 HUF Hungarian Forinth -1.70 +1.70 IDR Indonesian Rupiah -0.0005 +0.0005 ILS Israeli Shekel -1.75 +1.75 ISK Icelandic Krona -0.10 +0.10 JPY Japanese Yen -0.0125 +0.0125 KRW South Korean Won -0.0080 +0.0080 LTL Lithuanian Litas -1.00 +1.00 MXN Mexican Peso -1.00 +1.00 NOK Norwegian Krone -0.32 +0.32 NZD New Zealand Dollar -1.30 +1.30 PHP Phillippine Peso -0.15 +0.15 PLN Polish Zloty -1.10 +1.10 RUB Russian Ruble -0.30 +0.30 SEK Swedish Krona -0.32 +0.32 SGD Singapore Dollar -3.00 +3.00 THB Thai Bath -0.20 +0.20 TRY Turkish Lira -2.70 +2.70 USD US Dollar -1.35 +1.35 ZAR South African Rand -1.00 +1.00 Margins on all other currencies can be provided on request. Handelsbanken CVR-nr. 24246361 Filial af Svenska Handelsbanken AB (publ), Sverige - Org.nr. 502007-7862 Page 3 of 20
Cheques Foreign cheques, sale Bank cheque Forwarding to payee in foreign country Repurchase of cheque (Handelsbanken's buying rate for the relevant currency on the day of repurchase) Foreign cheques, buy Drawn on Handelsbanken in DKK, per cheque Drawn on another financial institution in Denmark in DKK, per cheque Drawn on another financial institution in Denmark in a foreign currency, per cheque Drawn on a foreign financial institution in DKK, per cheque + possible foreign costs Drawn on a foreign financial institution in the local currency, per cheque - European - overseas Drawn on a foreign financial institution in a third country currency, per cheque + possible foreign costs 125.00 DKK 125.00 DKK 125.00 DKK 1.5, min. 125.00 DKK 2, min. 125.00 DKK Foreign cheques, other charges Cheque forwarded to foreign country debt collection + foreign country costs Return of cheque 450.00 DKK 300.00 DKK Misc. charges Requisition of copy of cleared cheque Return of cheque due to insufficient funds Cheque stop payment Blocking of cheque due to overdraft Visa/Dankort and debit card Visa/Dankort Debit card Annual fee 165.00 DKK Annual fee, card for 18-27 Account * * Debit cards are issued only to persons under 15 years ** Max. one free Visa/Dankort per customer with 18-27 Account Card use in Denmark As payment card Not possible As debit card in the bank's own ATMs A maximum of 10,000 DKK can be withdrawn per day (5,000 DKK outside opening hours) As debit card in other banks' machines A maximum of 2,000 DKK can be withdrawn per day * 5.00 DKK Not possible As debit card in other banks ** Not possible Handelsbanken CVR-nr. 24246361 Filial af Svenska Handelsbanken AB (publ), Sverige - Org.nr. 502007-7862 Page 4 of 20
Card use in foreign countries As debit card in cash dispensers/financial institution (The maximum daily amount for withdrawal corresponds to 2,000 DKK per day and 25,000 per end of month.) ** 30.00 DKK Not possible Other charges Replacement card 165.00 DKK 165.00 DKK Card activation via bank 50.00 DKK 50.00 DKK Retransmission of PIN self-service 25.00 DKK 25.00 DKK Retransmission of PIN via bank 50.00 DKK 50.00 DKK Limit amendment 395.00 DKK Not possible Courier shipment to foreign country 400.00 DKK 400.00 DKK Express order of card 295.00 DKK 295.00 DKK Copy of statement - first statement - second statement and ensuing (charged only if statement corresponds to the invoiced) 200.00 DKK 200.00 DKK Unfounded card holder dispute, per transaction Shops can charge a fee, but must inform about this. In shops primarily offering gaming and betting the maximum withdrawal amount is 5,000 DKK per day. * Be aware that some ATMs in Denmark are not part of the Danish debit card agreement. You may be charged a fee equal to the cost of cash withdrawals made abroad. See price above. To avoid paying foreign fee on your cash withdrawal, you must generally choose Danish banks' ATMs or ATMs signed with a Dankort-logo. ** The paying financial institution can charge a fee for cash payouts. Information on the fee is available upon request to the paying financial institution. Conversion rate for use of Visa/Dankort in foreign countries 1) European currencies published at www.nets.eu/valutakurser The currency rate on the bankday before transaction is cleared in Nets added 1.50 %. 2) Other currencies published at www.nets.eu/valutakurser The currency rate on the bankday before transaction is cleared in Nets added 2.00 %. Exceptions may occur. 3) Other currencies Conversion to USD, hereafter converted to Danish kroner as stated above. Exceptions may occur. Handelsbanken Debit 13 to 17 years old Over 18 years old Yearly charge 165.00 DKK Amount limits Cash withdrawal per day 2,000.00 DKK 10,000.00 DKK Purchases per day 2,000.00 DKK 30,000.00 DKK Card use in Denmark As payment card in shops * * As debit card in the bank's own ATMs As debit card in other banks' ATMs ** 5.00 DKK ** 5.00 DKK Handelsbanken CVR-nr. 24246361 Filial af Svenska Handelsbanken AB (publ), Sverige - Org.nr. 502007-7862 Page 5 of 20
Card use in foreign countries As debit card in cash dispensers/financial institution 1 % of the amount, min. 30.00 DKK 1 % of the amount, min. 30.00 DKK Other charges Replacement card 165.00 DKK 165.00 DKK Card activation via bank 50.00 DKK 50.00 DKK Retransmission of PIN self-service - 25.00 DKK Retransmission of PIN via bank - 50.00 DKK Courier shipment to foreign country 400.00 DKK 400.00 DKK Express order of card 295.00 DKK 295.00 DKK Unfounded card holder dispute, per transaction Copy of statement - first statement - second statement and ensuing (charged only if statement corresponds to the invoiced) 200.00 DKK 200.00 DKK The paying financial institution can charge a fee for cash payouts. Information on the fee is available upon request to the paying financial institution. * A card use fee can be charged for distance selling. ** Be aware that some ATMs in Denmark are not part of the Danish debit card agreement. You may be charged a fee equal to the cost of cash withdrawals made abroad. See price above. To avoid paying foreign fee on your cash withdrawal, you must generally choose Danish banks' ATMs or ATMs signed with a Dankort-logo. Conversion rate for use of Handelsbanken Debit in foreign countries 1) European currencies published at www.nets.eu/valutakurser The currency rate on the bankday before transaction is cleared in Nets added 1.50 %. 2) Other currencies published at www.nets.eu/valutakurser The currency rate on the bankday before transaction is cleared in Nets added 1.50 %. Exceptions may occur. 3) Other currencies Conversion to USD, hereafter converted to Danish kroner as stated above. Exceptions may occur. Additionally Mastercard applies an extra charge of 0.17 % for European currencies and 0.49 % for other currencies. Mastercard Yearly charge Handelsbanken Classic without insurance affiliated to 18-27 Account - first year Handelsbanken Classic without insurance affiliated to 18-27 Account - following year Handelsbanken Classic without insurance Handelsbanken Classic Handelsbanken Gold Handelsbanken Platinum Handelsbanken Family Handelsbanken Private Banking 595.00 DKK 895.00 DKK 1,695.00 DKK 2,795.00 DKK Handelsbanken CVR-nr. 24246361 Filial af Svenska Handelsbanken AB (publ), Sverige - Org.nr. 502007-7862 Page 6 of 20
Handelsbanken Private Banking Family 1,795.00 DKK Amount limits Classic Gold Platinum Private Banking Cash withdrawal per day 10,000 DKK 10,000 DKK 10,000 DKK 25,000 DKK Cash withdrawal per month * 25,000 DKK * 50,000 DKK * 100,000 DKK * 100,000 DKK Purchases per month * 25,000 DKK * 50,000 DKK * 100,000 DKK * 250,000 DKK Expenditure charges As payment card in shops As debit card ** 2 % of the amount, min. 50.00 DKK Other charges Lounge visits via Priority Pass Card activation via bank Retransmission of PIN self-service Retransmission of PIN via bank Replacement card (sent to an address in Denmark) Courier shipment to foreign country Emergency card (if the card is lost abroad) Emergency cash (if the card is lost abroad) Extension of cover period on travel insurance, per month Unfounded card holder dispute, per transaction Copy of previous invoice - first - following Copy of statement - first statement - 2nd statement and subsequent (charged only if statement corresponds to the invoiced) 50.00 DKK 25.00 DKK 50.00 DKK 165.00 DKK 400.00 DKK 995.00 DKK 595.00 DKK 50.00 DKK 200.00 DKK Locally specified limits per withdrawal may apply. The maximal withdrawal amount for Denmark and abroad is up to the withdrawal limit per day, however the maximum is the card credit per current month, agreed with the bank. * If there is an agreement for any other card limit, the cash withdrawal amount per month is changed concurrently. ** Merchants may surcharge. Conversion rate for use of Mastercard in foreign countries 1) European currencies published at www.nets.eu/valutakurser The currency rate on the bankday before transaction is cleared in Nets added 1.50 %. 2) Other currencies published at www.nets.eu/valutakurser The currency rate on the bankday before transaction is cleared in Nets added 1.50 %. Exceptions may occur. 3) Other currencies Conversion to USD, hereafter converted to Danish kroner as stated above. Exceptions may occur. Additionally Mastercard applies an extra charge of 0.17 % for European currencies and 0.49 % for other currencies. Netbank and Mobilbank Be aware that not all transactions are available in Mobilbank Connection and subscription Handelsbanken CVR-nr. 24246361 Filial af Svenska Handelsbanken AB (publ), Sverige - Org.nr. 502007-7862 Page 7 of 20
Bank transfers Payment of FI- and giro slip, per unit Payment of FI- and giro slip from 18-27 Account, per unit Between own accounts in the bank To another financial institution or to another customer in the bank - without receipt from 18-27 Account - without receipt - with receipt Same day transfer to another financial institution additional fee Faster payment to another financial institution additional fee Fixed amount to another financial institution - establishment/amendment Fixed amount to another financial institution - transaction charge per transaction To another financial institution with notification (sender or recipient ) To another financial institution without notification Receipt for transfer e 12.50 DKK 0.25 DKK 1.00 DKK 12.50 DKK 12.50 DKK Transfers to foreign countries Transfer in EUR to recipient in EU or EEA (SEPA) 20.00 DKK Normal, others 60.00 DKK Economy 30.00 DKK Express 350.00 DKK + ½, min. 380.00 DKK Payment the same day (requires prior agreement) 400.00 DKK + 1 min. 430.00 DKK Nordbetaling (transfer to account in Handelsbanken in Norway, Finland or Sweden) If the foreign transfer is authorised before 14:00 on weekdays it will be processed by the bank on the same day. Orders for DKK are processed on the same day, if they are authorised before 13:30. Transfers from foreign countries Normal Nordbetaling (transfer to at Handelsbanken in Sweden, Norway, Finland, Luxembourg and Switzerland) Foreign costs paid by sender - OUR Repair charge on all foreign transfers (both sent and received), if BIC and/or IBAN is omitted or incorrect Processing of returned sent transfer Return/inquiry Retrival of further information upon request from recipient bank on sent transfer 30.00 DKK 85.00 DKK 350.00 DKK 350.00 DKK Currency margins Standard currency margins for international payments (selected noted currencies) Handelsbanken buy Handelsbanken sell AUD Australian Dollar -1,30 +1,30 CAD Canadian Dollar -1,20 +1,20 CHF Swiss Franc -1,00 +1,00 CNY Chinese Renminbi -0,50 +0,50 CZK Czech Koruna -0,15 +0,15 EUR Euro -1,35 +1,35 GBP British Pound Sterling -2,10 +2,10 HKD Hong Kong Dollar -0,65 +0,65 HUF Hungarian Forinth -1,70 +1,70 IDR Indonesian Rupiah -0,0005 +0,0005 ILS Israeli Shekel -1,75 +1,75 ISK Icelandic Krona -0,10 +0,10 JPY Japanese Yen -0,0125 +0,0125 Handelsbanken CVR-nr. 24246361 Filial af Svenska Handelsbanken AB (publ), Sverige - Org.nr. 502007-7862 Page 8 of 20
KRW South Korean Won -0,0080 +0,0080 LTL Lithuanian Litas -1,00 +1,00 MXN Mexican Peso -1,00 +1,00 NOK Norwegian Krone -0,32 +0,32 NZD New Zealand Dollar -1,30 +1,30 PHP Phillippine Peso -0,15 +0,15 PLN Polish Zloty -1,10 +1,10 RUB Russian Ruble -0,30 +0,30 SEK Swedish Krona -0,32 +0,32 SGD Singapore Dollar -3,00 +3,00 THB Thai Bath -0,20 +0,20 TRY Turkish Lira -2,70 +2,70 USD US Dollar -1,35 +1,35 ZAR South African Rand -1,00 +1,00 Margins on all other currencies can be provided on request. Charges at recipient bank may exceed. In that case additional costs are debited later. Trade in securities Price information from the Copenhagen Stock Exchange - 1 level per month Price information from the Copenhagen Stock Exchange - 5 levels, per month Limited order - stock exchange Danish stocks and investment certificates Market order - immediate Danish stocks and investment certificates, market value 0-250,000 DKK Danish bonds, bond price 0/1,500,000 DKK Market order and limited order Danish stocks and investment unit trust certificates Danish bonds Nordic shares Other foreign stocks 0.15 %, min. 45.00 DKK 0.15 %, min. 45.00 DKK 0.10 %, min. 45.00 DKK 0.15 %, min. 45.00 DKK 0.10 %, min. 45.00 DKK 0.15 %, min. 45.00 DKK 0.50 %, min. * * Foreign trading costs may be applied. By settlement of interest bonds Handelsbanken reserves the right for a supplement/deduction to the actual price of up to Below 200,000 DKK +/- 0.20 price point 200,000 DKK to 1 m DKK +/- 0.15 price point Over 1 m DKK +/- 0.10 price point On limited orders there will be made no supplement/deduction to the actual price Other Placing of limited order Certificates ETN/Bull & Bear certificates 75.00 DKK 0.15 % of market value, min. 45.00 DKK Pension Pool change via Netbank during the year (free Jan 1st, Feb 1st, Mar 1st, Apr 1st) Withdrawal from pool via Netbank per first of the month (free Jan 1st, Feb 1st, Mar 1st, Apr 1st) Handelsbanken CVR-nr. 24246361 Filial af Svenska Handelsbanken AB (publ), Sverige - Org.nr. 502007-7862 Page 9 of 20
Info Service and SMS service Info Service (via Netbank) Per sent sms Per sent e-mail 1.00 DKK 1.00 DKK for children and young people SMS service Account balance statements, exchange rates, internal transfers etc. Loans and documents Establishment of loan/credit Establishment of loan/credit up to 30,000 DKK for 18-27 Account Establishment of housing co-operative loan Issuing of document Statement of claim (housing co-operatives) Document fee for amendment of loan agreement Deposit Land charges register certificate Land charges register certificate - as part of another service Registration Fee for digitizing mortgage deed Endorsement of mortgage deeds, including change of debtor, per unit Regard endorsement Councelling on purchase of a house Preparation of offer on early repayment Early repayment Payment of senior mortgage, per unit Fixed interest loan, separate binding interest agreement Registration of secondary mortgage Registration of transport Registration of expenses Mortgagee declaration, execution Registration of new declaration by change of insurance company Forwarding of transport for registration Extension/renegotiation of credits and loans Guarantee - preparation of domestic standard document fee Guarantee commission (per quarter in arrears) Guarantee of residual purchase price Retrieval of signature in another financial institution Receipt of signature for another financial institution - charged to forwarding institute Release of collateral - Charged to place requesting the bank to release collateral, possibly mortgage provider, requesting us to release collateral in a property. The charge covers among other things a possible survey. 1.5 %, min. 850.00 DKK 1.5 %, min. 5,000.00 DKK 300.00 DKK Hourly rate, min. 1,000.00 DKK 1,000.00 DKK 850.00 DKK 1,000.00 DKK 325.00 DKK 400.00 DKK 600.00 DKK 2.5-5 % per year, min. 200.00 DKK Hourly rate, min. Granted overdraft Handelsbanken CVR-nr. 24246361 Filial af Svenska Handelsbanken AB (publ), Sverige - Org.nr. 502007-7862 Page 10 of 20
Charges to the Government such as registration charge, stamp duty, etc. Calculated according to Government charges Housing cooperative loans (BoligLån Andel) Establishment of housing co-operative loan Valuation fee Declaration of title Issuing of document Document fee for amendment of loan agreement 1.5 %, min. 5,000.00 DKK 2, Car loan Establishment of loan Establishment of loan for customer with 18-27 Account Issuing of document Document fee for amendment of loan agreement Mortgagee declaration execution Registration of new declaration by change of insurance company Mortgagee declaration fee for insurance company Charges to the Government such as registration charge, stamp duty, etc. 1.5 %, min. 850.00 DKK 325.00 DKK 350.00 DKK Calculated according to insurance company s charges Calculated according to Government charges Mortgage loan Establishment of loan Assessment fee Issuing of document Document fee for amendment of loan agreement Preparation of offer on early repayment Early repayment Charges to the Government such as registration charge, stamp duty, etc. 2 %, min. 1,000.00 DKK 2, Calculated according to Government charges Private loan Establishment of loan Issuing of document Document fee for amendment of loan agreement 1.5 %, min. 850.00 DKK Mortgage loan (PrioritetsLån) Establishment 5,000.00 DKK (Standard case i.e. loan payment, settlement of proceeds, possibly payment (max. 2 loans) and regard endorsement on mortgage deeds to the bank.) Handelsbanken CVR-nr. 24246361 Filial af Svenska Handelsbanken AB (publ), Sverige - Org.nr. 502007-7862 Page 11 of 20
Consultancy and service fee (Consultancy and registration) Assessment fee Statement of claim (housing co-operatives) Separate fixed interest agreement Document fee for amendment of loan agreement Extraordinary payment Preparation of offer on early repayment Early repayment Land charges register certificate Charges to the Government such as registration charge, stamp etc. 2, 2, Calculated according to Government charges Mortgage loan (Realkreditlån) Purchase of mortgage loan 5,000.00 DKK (Standard case i.e. loan payment, settlement of proceeds, previous counselling, retrieval of loan offer, possibly payment (max. 2 loans) and regard endorsement on mortgage deeds to the bank.) Assessment fee Regard endorsement on mortgage deeds Counselling on payment and retrieval of repayment offer, per loan Land charges register certificate Registration fee Guarantee provision, lump sum Guarantee commission, lump sum - pure conversion Guarantee commission, ongoing - reg. purchase - preloan (quarterly in arrears) Date of payment - establishment per unit - commission Change of loan F-kort and RenteMax Charges to the Government such as registration charge, stamp etc. 2, 600.00 DKK 0.15 %, min. 0.10 %, min. 2.00 % per year 600.00 DKK 0.15 % 600.00 DKK Calculated according to Government charges Additional fees, please refer to Prisblad for Totalkredit Privatkunder at totalkredit.dk Construction loan Processing charge, building financing Registration of transport for construction loan Charges to the Government such as registration charge, stamp etc. Inspection fee when deposited 1.5 %, min. 2,000.00 DKK 600.00 DKK Calculated according to Government charges Handelsbanken CVR-nr. 24246361 Filial af Svenska Handelsbanken AB (publ), Sverige - Org.nr. 502007-7862 Page 12 of 20
Valuation fee when notification of completion of building activity Guarantee commission (per quarter behind) Guarantee drawing up from indland standard document fee Pre-assessment 2-4 % per year, min. 2, PriorityCredit Establishment 5,000.00 DKK (Standard case i.e. loan payment, settlement of proceeds, possibly payment (max. 2 loans) and regard endorsement on mortgage deeds to the bank.) Consultancy and service fee (Consultancy and registration) Valuation fee Document fee for amendment of loan agreement Early redemption Registration certificate Taxes to the state such as registration tax, stamp etc. 2, 2, Calculated according to Government charges Propertysale Consultancy and service fee (Consultancy, registration and valuation) Redemption of mortage loan (per loan) Redemption of Priority loan Deposition Endorsement of mortgage deeds, including change of debtor, per unit 2, Foreign currency loan Establishment/increase Document fee Document fee for amendment of loan agreement Payment of charge, interest roll Change of loan conditions without interest roll (e.g. date of payment of interest, instalment conditions, extraordinary payment or extraordinary instalment) 1.5 %, min. 3, 300.00 DKK Reminders and rejection of payments Rejection/return of BetalingsService (payment service) agreement Return of FI-slip due to insufficient funds Handelsbanken CVR-nr. 24246361 Filial af Svenska Handelsbanken AB (publ), Sverige - Org.nr. 502007-7862 Page 13 of 20
First reminder Second reminder Information due to overdraft Blocking of card due to overdraft Blocking of account due to overdraft Credit information Submitted information Domestic financial institute - fixed - urgent Foreign financial institute - fixed - urgent 850.00 DKK 950.00 DKK Retrieved information Domestic - fixed - urgent Foreign - fixed - urgent Retrieved at information agency - fixed - urgent 650.00 DKK 850.00 DKK 650.00 DKK 850.00 DKK 650.00 DKK 850.00 DKK The charges are added to possible costs to submitting financial institution/information agency In special time consuming cases an hourly rate is charged. Trade in securities Via Netbank Rate information from the Copenhagen Stock Exchange - 1 level per month Rate information from the Copenhagen Stock Exchange - 5 levels, per month Limited order - stock exchange Danish stocks and investment certificates Market order - immediate Danish stocks and investment certificates, market value 0-250,000 DKK Danish bonds, bond price 0/1,500,000 DKK Market order and limited order Danish stocks and investment unit trust certificates Danish bonds Nordic shares Other foreign stocks 0.15 %, min. 45.00 DKK 0.15 %, min. 45.00 DKK 0.10 %, min. 45.00 DKK 0.15 %, min. 45.00 DKK 0.10 %, min. 45.00 DKK 0.15 %, min. 45.00 DKK 0.50 %, min. * Handelsbanken CVR-nr. 24246361 Filial af Svenska Handelsbanken AB (publ), Sverige - Org.nr. 502007-7862 Page 14 of 20
* Foreign trading costs may be applied By settlement of interest bonds - supplement/deduction to the actual price of up to Below 200,000 DKK +/- 0.20 price point 200,000 DKK to 1 m DKK +/- 0.15 price point Over 1 m DKK +/- 0.10 price point On limited orders there will be made no supplement/deduction to the actual price Other Placing of limited order Certificates Bull & Bear certificates 75.00 DKK 0.15 % of market value, min. 45.00 DKK Via branch office or customer desk Danish stocks/bonds Listed Danish stocks and investment unit trust certificates, market value 0 to 100,000 DKK. (Handelsinvest, see separate section) 0.75 % min. 175.00 DKK, max. Listed stocks and investment unit trust certificates above market value 100,000 DKK. (Handelsinvest, see separate section) 0.50 %, min 175.00 DKK Listed bonds, bond price 0 to 3,000,000 DKK 0.15 % min. 175.00 DKK, max. 3,000.00 DKK Listed bonds, bond value 3,000,001 DKK and more 0.10 % Unquoted stocks Unquoted bonds Premium bonds Stock and rights to purchase shares - by sale 1.00 %, min. 175.00 DKK As listed bonds 0.75 %, min. 175.00 DKK 1.00 %, min. 175.00 DKK max. 25 % of market value Foreign securities Note - in addition to the stated commission foreign costs are to be paid Stocks, market value 0 to 300,000 DKK 0.75 % min. 400.00 DKK, max. 1 * Stocks, stock value 300,001 DKK and more 0.50 %* * Foreign trading costs may be applied Foreign stocks listed on the Copenhagen Stock Exchange - not VP Foreign bonds - listed on foreign stock exchange (Handelsinvest High Yield) Foreign warrants, stocks and right to purchase shares - by sale Exploitation of foreign warrants, convertible bonds and rights to purchase shares As foreign stocks 0.25 %, min. (0.15 %, min. 175.00 DKK) 1.00 %, min. 175.00 DKK max. 25 % of market value 1.00 %, min. 200.00 DKK Stocks and bonds - other prices Handelsinvest equity funds, market value up to 100,000 DKK 0.75 % min. 175.00 DKK, max. Handelsbanken CVR-nr. 24246361 Filial af Svenska Handelsbanken AB (publ), Sverige - Org.nr. 502007-7862 Page 15 of 20
Handelsinvest equity funds, market value 100,000 DKK and more 0.50 % Handelsinvest fixed income, market value up to 3,000,000 DKK 0.15 % min. 175.00 DKK, max. 3,000.00 DKK Handelsinvest fixed income, market value 3,000,000 DKK and more 0.10 % Placing of limited order Buy/sell the same isin within the same legal entity (shares and bonds) Buy/sell between spouses (shares and bonds) By settlement of interest bonds - supplement/deduction to the actual price of up to 75.00 DKK ½ commission on both buy and sell ½ commission on both buy and sell Below 200,000 DKK +/- 0.20 price point 200,000 DKK to 1 m DKK +/- 0.15 price point Over 1 m DKK +/- 0.10 price point On limited orders there will be made no supplement/deduction to the actual price 3rd party trades Danish securities and bonds, per trade Foreign securities and bonds, per trade Standard commission, min. Standard commission, min. Certificates ETN/Bull & Bear certificates 0.75 % of market value, min. 175.00 DKK Formuepleje (Discretionary portfolio management) Annually fee, depending on investment strategy Fee based on the agreement s average vaule, charged monthly 0.45% 0.95%, incl. VAT Investeringsaftale (Investement advisory agreement) Annually, incl VAT - based on allocation funds 0.2%, min.1,200.00 DKK - based on investment unit trust certificates 0.4%, min.2,400.00 DKK Fee based on the agreement s average vaule, charged monthly Custody Custody fee charged every 6 months June 11th and December 11th. For VP effects the fee calculation is for the period December 12th to June 11 th and June 12th to December 11th. For foreign securities the calculation is made per month going back from current market values on the time of calculation. Bonds Account charge (including VAT) ISIN code charge (including VAT) Nominal change per million VP notification on holding change (not subject to VAT) VP notification on generic data change (including VAT) VP transactions charges, holding change (not subject to VAT) VP transactions charges, generic data (including VAT) Redemption notice (including VAT) Interest notification (including VAT) Statement of account (including VAT) 55.00 DKK 25.00 DKK 10.00 DKK 13.50 DKK 16.88 DKK 15.00 DKK 18.75 DKK 14.50 DKK 14.50 DKK 14.50 DKK Handelsbanken CVR-nr. 24246361 Filial af Svenska Handelsbanken AB (publ), Sverige - Org.nr. 502007-7862 Page 16 of 20
Shares VP notification on holding change (not subject to VAT) VP notification on generic data change (including VAT) Nominal change, per million VP transactions charges, holding change (not subject to VAT) VP transactions charges, generic data (including VAT) Storage of Danish shares and unit trusts 13.50 DKK 16.88 DKK 10.00 DKK 15.00 DKK 18.75 DKK Shares and bonds Transfer to other financial institute via Sicovam code Maximum per deposit/day Insertion of release per Sicovam code Establishment of trade authorisation Storage of Handelsbanken shares 1,000.00 DKK Physical effects Domestic bonds and shares, per year of nominal value for 500,000 DKK Domestic bonds and shares, per year of nominal value for 500,001 DKK and above. Name registration/transport of physical shares including VAT Endorsement including shipment and VAT 0.30 %, (min. ) + VAT 0.15 %, (min. 1 ) + VAT Hourly rate, min. 187.50 DKK Hourly rate, min. Foreign securities Listed foreign stocks and bonds up to and including 1,000,001 DKK Listed foreign stocks and bonds over 1,000,001 DKK Foreign return and interest (including VAT) + foreign costs Recovery of foreign return tax, depends on ISIN-code Transfer to other financial institute via Sicovam code 0.30 %, (min. ) + VAT 0.15 %, (min. 3,000.00 DKK) + VAT 18.75 DKK Min. 1,000.00 DKK + foreign costs 400.00 DKK + foreign costs Premium bonds Premium bond per unit with prize check (including VAT) Prizes Sealed envelope with premium bonds without prize checks (including VAT) Transfer to other financial institute via Sicovam code 5.00 DKK 62.50 DKK Other effects Safety custody Other custody Transfer to other financial institute per effect type + VAT 200.00 DKK Pension Transfer to another financial institute or insurance company, per account Part payment Statement of pension accounts prematurely Separating pension account, per account Pool change during the year (free Jan 1st, Feb 1st, Mar 1st, Apr 1st) Pool change via Netbank during the year (free Jan 1st, Feb 1st, Mar 1st, Apr 1st) 850.00 DKK PAL excemption, per account) Repayment excess premuim ( 21A) 300.00 DKK the first time, hereafter 300.00 DKK Handelsbanken CVR-nr. 24246361 Filial af Svenska Handelsbanken AB (publ), Sverige - Org.nr. 502007-7862 Page 17 of 20
Withdrawal from pool per first of the month (free Jan 1st, Feb 1st, Mar 1st, Apr 1st and at release) Withdrawal from pool via Netbank per first of the month (free Jan 1st, Feb 1st, Mar 1st, Apr 1st and at release) Storage of non-quoted bonds, shares etc., annual fee, per deposit Handling charges for non quoted bonds, shares etc., per deposit 500 DKK 1,800.00 DKK Capital pension Conversion of capital pension Budget Payments via Betalingsservice (payment service) Budget service Half yearly charge, charged June 30th and December 31st Payment of paying-in slip without receipt, via branch office Payment of paying-in slip with receipt, via branch office 400.00 DKK 25.00 DKK 50.00 DKK Service account Payment at desk - 2 per month Payment at desk - in addition to 2 per month Monthly account charge, in arrears Other 15.00 DKK 35.00 DKK Standard Basic account Basic account monthly account charge, in arrears Basic account with payments monthly account charge, in arrears 15.00 DKK 40.00 DKK Box Establishment charge Yearly rent, small safe deposit box (height up to 10 cm) (including VAT) Yearly rent, medium safe deposit box (height until 10 to 17.50 cm (including VAT) Yearly rent, large safe deposit box (height over 17.50 cm) (including VAT) Loss of key(s) 400.00 DKK 550.00 DKK 1,700.00 DKK Hourly rate + external costs Handelsbanken CVR-nr. 24246361 Filial af Svenska Handelsbanken AB (publ), Sverige - Org.nr. 502007-7862 Page 18 of 20
Various services Account statements Account statement, ordinary Account statement, other than ordinary, each Copy of BetalingsService statement (payment service) Copy of previous, per unit - first - following Retrieval of supplements etc. - first - subsequent 30.00 DKK 30.00 DKK 50.00 DKK 300.00 DKK Currency exchange and counting of coins Currency cash, ATM - Handelsbanken cards - Hævekort, Visa/Dankort and Handelsbanken Debit (18-27 Account) - Hævekort, Visa/Dankort and Handelsbanken Debit 25.00 DKK - Mastercard 2 % of the amount, min. 50.00 DKK - other cards 35.00 DKK The maximum cash withdrawal on the card applies to currency withdrawals in ATM. There is a maximum of 40 banknotes per cash withdrawal. Currency cash, at desk Currency cash, at desk - customers with 18-27 Account Counting of coins 35.00 DKK Various The bank's hourly rate 1,000.00 DKK Inquiries by telephone 50.00 DKK Pro forma statement (first) Hourly rate, min. Inquiry from accountant etc. Hourly rate, min. Commitment inquiry requested before the statement date Hourly rate, min. Commitment inquiry requested before after statement date Hourly rate, min. 1,000.00 DKK Charge for early repayment of deposit with agreed maturity 1,000.00 DKK Account charge for non full customer, per quarter 125.00 DKK Delivery of relevant personal information according to the Personal Data Act - per started page 30.00 DKK, max. Cash deposit to a third party account in Handelsbanken 45.00 DKK Physical custody account 550.00DKK. Handling charges in relation to physical custody. Termination of engagement with the bank Transfer of accounts to another financial institute - normal deposit accounts, per unit - special deposit accounts (not pension) 200.00 DKK In addition charges in connection to termination of possible deposits. Additional postings after moving of account to another financial institute - 1 month after moving - 2 months and onwards 50.00 DKK Handelsbanken CVR-nr. 24246361 Filial af Svenska Handelsbanken AB (publ), Sverige - Org.nr. 502007-7862 Page 19 of 20
Mortgage deeds Mortgage deeds, buying contracts etc. per year of unpaid debt Date of payment charge per unit (including VAT) Forwarding of claim notification (including VAT) Change of ownership payment/charge (including VAT) Extraordinary payment (including VAT) Extraordinary payment Termination of mortgage deed (including VAT) Regard endorsement (including VAT) Registration Statement to lawyer/judicial debt collection (including VAT) Transfer to another financial institute Revival after termination Pro forma statement Copy of mortgage deed Cancellation of mortgage deed, per unit Reminder charge charged at debtor and settled to creditor Of the charged reminder charge the creditor pays to the bank (including VAT) 0.35% (min. 125.00 DKK) + VAT 55.00 DKK 300.00 DKK 300.00 DKK 300.00 DKK 300.00 DKK 2.0 %, min. 125.00 DKK Handelsbanken CVR-nr. 24246361 Filial af Svenska Handelsbanken AB (publ), Sverige - Org.nr. 502007-7862 Page 20 of 20