AGENDA PERSONAL PRODUCTS AND SERVICES. The bank for a changing world

15 

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(1)

AGENDA

PERSONAL PRODUCTS

AND SERVICES

CONDITIONS

AND PRICES 2015

The bank

for a changing

world

(2)

CONTENTS

CURRENT

ACCOUNT

4

Customised Current Account

4

Account

fees

6

In-branch transaction fees and value dates

6

Other

fees

7

PAYMENT

CARDS

8

Subscription

fee

8

Transactions carried out with bank cards

9

Other

fees

10

TRANSFER

OPERATIONS

11

Transfers – Out

11

Transfers

In

12

Value dates and cut-off time

12

Other

fees

12

“OUR” correspondent fees

13

SAVINGS

ACCOUNT

16

Account

fees

16

Cash-transaction fees and value dates

16

SECURITIES

OPERATIONS

17

Securities

custody

17

Custody

fee

17

Securities

transactions

17

Equity-market

operations

19

OTHER SERVICES AND FACILITIES

21

Cheques

21

Safe-deposit box hire

22

Night

depository

22

Certificates

23

GLOSSARY

1)

24

NOTES

26

CONTENTS

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CURRENT ACCOUNT

CURRENT ACCOUNT

Customised current accounts

Standard Current Account Startin’ HIGH SCHOOL STUDENTS (aged 12-17) Startin’ STUDENTS (aged 18-29) Startin’ JOB STARTERS (aged 18-29) Standard ESSENTIEL E-ssentiel

THE ESSENTIEL RANGE

Current account EUR, USD, CAD, GBP, CHF, JPY, AUD, DKK, NOK, NZD, SEK Any currency

Transactions fixed rate / month

Electronic transfer to a BGL BNP

Paribas account free free

Electronic transfer < EUR 125,000 and standing orders to another account in the SEPA 15 free

(additional EUR 0.75 / transaction)

1 free

(additional EUR 0.75 / transaction)

Hard copy transfer to a BGL BNP Paribas account

4 free

(additional EUR 1 / transaction)

0 free (additional EUR 1 / transaction) 1 free (additional EUR 1 / transaction)

Hard copy transfer < EUR 125,000 to another account in the SEPA *

2 free

(additional EUR 3.50 / transaction)

0 free (additional EUR 3.50 / transaction) 1 free (additional EUR 3.50 / transaction)

V PAY ATM withdrawal *

BGL / GlobalNetwork*

/Raiffeisen / Unlimited

V PAY ATM withdrawal *

other EU bank (additional EUR 2 / transaction)3 free

0 free EUR 3 / transaction 0 free EUR 3 / transaction

V PAY card *(debit) 1 standard card EUR 15 / year

Account statement 1 hard copy statement / account / month or electronic extracts (Web Banking) 2) postal rate in force postal rate in force

Monthly fee free EUR 2.50 free n/a

LIBERTÉS OFFERS

Bank cards 1) (monthly fee) V PAY (debit) n/a EUR 1 EUR 15 / year MasterCard Blue

1 free card EUR 1

VISA Classic

World MasterCard Gold / World MasterCard Gold

Priority n/a EUR 4.50 EUR 55 / year

MasterCard Platinum

n/a EUR 15 n/a EUR 190 / year

Elite MasterCard EUR 25 EUR 325 / year

Web CreditCard EUR 1 EUR 1 EUR 12 / year

Batch of transfers (unit cost per bracket)

If batch [1-24] transfers => EUR 0.75 / transfer If batch [25-49] transfers => EUR 0.70 / transfer If batch [50-99] transfers => EUR 0.65 / transfer If batch ≥ 100 transfers => EUR 0.60 / transfer

OptiLine * 1) line of credit

+ Protect * insurance n/a Terms and conditions available in branch. n/a

Terms and conditions available in branch

BGL BNP Paribas Nomad * insurance n/a EUR 9 / month EUR 9 / month

CURRENT ACCOUNT

Customised current account

Standard current account Professionals Self-employed professionals

THE ESSENTIEL RANGE

Current account EUR, USD, CAD, GBP, CHF, JPY, AUD, DKK, NOK, NZD, SEK Any currency

Transactions fixed rate / month

Electronic transfer to

a BGL BNP Paribas account unlimited free

Electronic transfer < EUR 125,000 and standing orders to another account in the SEPA

25 free

(additional EUR 0.75 / transaction)

1 free

(additional EUR 0.75 / transaction)

Hard copy transfer to a BGL BNP

Paribas account (additional EUR 1 / transaction)6 free

1 free

(additional EUR 1 / transaction)

Hard copy transfer < EUR 125,000

to another account in the SEPA * (additional EUR 3.50 / transaction)5 free

1 free

(additional EUR 3.50 / transaction)

V PAY ATM withdrawal BGL /

Raiffeisen / Network Unlimited

V PAY ATM withdrawal *

other EU bank (additional EUR 2 / transaction)4 free EUR 3 / transaction0 free

V PAY card * (debit) n/a EUR 15 / year

Account statement 1 hard copy statement / account / month or electronic extracts (Web Banking) 2)

postal rate in force

Monthly fee EUR 14.50 EUR 18.50 n/a

LIBERTÉS OFFERS

Bank cards 1) (monthly fee)

V PAY * (debit)

EUR 1 EUR 15 / year

MasterCard Blue VISA Classic

MasterCard Gold card /

World MasterCard Gold Priority EUR 4.50 EUR 55 / year

MasterCard Platinum EUR 15 EUR 190 / year

Elite MasterCard EUR 25 EUR 325 / year

Web CreditCard EUR 1 EUR 12 / year

VISA Business 1-56-50 >50 EUR 3.30 EUR 2.08 EUR 1.66 EUR 40 / year EUR 25 / year EUR 20 / year

Payment card free free

Batch of transfers (unit cost per bracket)

If batch [1-24] transfers => EUR 0.75 / transfer If batch [25-49] transfers => EUR 0.70 / transfer If batch [50-99] transfers => EUR 0.65 / transfer If batch ≥ 100 transfers => EUR 0.60 / transfer

OptiLine * 1) line of credit + Protect * insurance n/a Terms and conditions

available in branch Terms and conditions available in branch

BGL BNP Paribas Nomad * insurance n/a EUR 9 / month

1) Subject to acceptance of your application.

2) For any additional account statements, the current cost of postage shall be applicable.

1) Subject to acceptance of your application.

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CURRENT ACCOUNT

CURRENT ACCOUNT

Current account

Standard price Customised current account price Account opening free

Account administration free

Annual interest rate applied if account’s credit limit exceeded*

without a line of credit* 14.25%

Posting of mail (including VAT) EUR 50.44 / year

Account statements

Sending by post posting price / sending 1 statement included / month / account(then cost of postage) Electronic statement free

Account summary fees

Current account EUR 3 / quarter included in monthly fee

Reserve Privilege*, mortgage, investment loan EUR 3 / quarter

Account Guarantee Plus 1)

For people aged ≥ 18 EUR 3.72 / year / root account For people not of legal age aged (12-17) free

Remote banking agreement* including:

phone banking, Web banking and Mobile Banking free

Cash denominated in...To an account Fees Value dates

Without foreign exchange

EUR EUR free D Currencies Currencies free D With

foreign exchange

EUR Currencies See “foreign exchangecommissions” table + 2 BD 2)

Currencies EUR free D Currencies Currencies free + 2 BD 2)

1) Only for resident customers. 2) = business day.

ACCOUNT FEES

IN-BRANCH TRANSACTION FEES AND VALUE DATES

Transfer operations

Cash denominated in...To an account Fees Value dates

Without foreign exchange

EUR EUR free D Currencies Currencies 0.50% of the amount withdrawn with a minimum of EUR 2.48. D

Amount or exchange value Fee / transaction

< EUR 2,500 EUR 1.24 EUR 2,500.01-EUR 6,000 EUR 3.72 EUR 6,000.01-EUR 12,500 EUR 8.68 EUR 12,500.01-EUR 25,000 EUR 16.11 EUR 25,000.01-EUR 125,000 EUR 28.51 EUR 125,000.01-EUR 250,000 EUR 55.78 > EUR 250,000 EUR 111.55

With foreign exchange

EUR Currencies See “foreign exchangecommissions” table D Currencies EUR free D Currencies Currencies free D

1) The BGL BNP Paribas exchange rate may change and fluctuate in relation to other high street banks and the foreign exchange market.

Withdrawal operations

Foreign exchange commissions

1)

OTHER FEES

Transfer Fee / transaction Value date

Transfer to a BGL BNP Paribas account

carried out by a third party EUR 3 D

Purchase of foreign currency notes Fee / transaction

Customers holding an account with BGL BNP Paribas 0.50% of the amount (minimum EUR 2.48) Third party (up to an exchange value of EUR 250) 1% of the amount with a minimum of EUR 4.96 CHF deposit fee see price list at bgl.lu

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PAYMENT CARDS

PAYMENT CARDS

PAYMENT CARDS

SUBSCRIPTION FEE

Credit cards *

V PAY debit cards *

Validity period: 5 years

Current account

Standard price 2) The Customised Current Account

1st card price DUO option *

V PAY 1) EUR 15 / year

EUR 1 / month EUR 0.5 / month V PAY Startin’ 12-17 1)

n/a V PAY Startin’ 18-29 1)

Validity period: 3 years

Current account

Standard price 2) The Customised Current Account

1st card price DUO option *

MasterCard

Blue EUR 15 / year EUR 1 / month EUR 0.50 / month Gold / Gold Priority EUR 55 / year EUR 4.50 / month EUR 2.25 / month Platinum EUR 190 / year EUR 15 / month

n/a Elite EUR 325 / year EUR 25 / month

Web Credit Card EUR 12 / year EUR 1 / month EUR 0.50 / month MasterCard Silver 1-56-50

>50

EUR 3.30 / month EUR 2.08 / month

EUR 1.66 / month n/a

VISA

Classic EUR 15 / year EUR 1 / month EUR 0.50 / month Business 1-56-50

>50

EUR 3.30 / month EUR 2.08 / month EUR 1.66 / month

1) A V PAY* debit card is included in the Startin’ offers for young people and in the Standard and Group ESSENTIEL offers.

2) The annual fee is withdrawn on the 1st of the month following the month ending after the card for the current year has been ordered.

Withdrawals

Optiflex current account

Standard price Customised Current Account price Value date

ATMwithdrawal * BGL BNP Paribas (or Raiffeisen) free

Date debited from the account

ATM withdrawal * within the EU V PAY

+ Switzerland, Turkey and Israel EUR 3 / withdrawal

3 free

(additional EUR 2 / transaction)

ATM withdrawal * outside the EU V PAY EUR 6 / withdrawal EUR 5 / withdrawal

Payments

Optiflex current account Standard price /

Customised current account price Value date In shops (EU V PAY)* free Date debited

from the account In shops (outside EU V PAY)* EUR 1 / transaction

Payments

Optiflex current account Standard price /

Customised current account price Value date In shops within the EU (EUR transaction) free Date of the withdrawal booking date In shops with the EU / outside the EU (non-EUR transaction) Foreign exchange fee

Cash advance

Optiflex current account Standard price /

Customised current account price Value date Cash-advance commission for ATMs* within the EU

(EUR transaction) EUR 2.48 + 2% of the amount withdrawn

Date of the withdrawal booking date Cash-advance commission for ATMs* within the EU

(non-EUR transaction) EUR 2.48 + 2% of the amount withdrawn + foreign exchange commission Cash-advance commission

for ATMs* EU / outside EU (non-EUR transaction) EUR 2.48 + 2% of amount withdrawn + foreign exchange fee 1)

1) Foreign exchange fee: foreign exchange commission + mark-up fee *.

Mark-up fee* applied to transactions (non-EUR):

TRANSACTIONS CARRIED OUT WITH BANK CARDS

Debit cards*

Credit cards *

Within the Global Network* and Global Alliance* networks, credit-card withdrawals abroad have the same price and conditions as domestic transactions.

MasterCard VISA GBP rate 1.00% 1.25% USD rate 1.00% 1.25% Other currency rate 1.00% 1.00% CHF rate 0.85% 0.40%

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TRANSFER OPERATIONS

PAYMENT CARDS

OTHER FEES RELATING TO PAYMENT CARDS (INCLUDING VAT)

Re-issuing PIN for debit or credit card free

Replacing debit or credit card free

Blocking debit or credit card free

Statement of transactions for credit card* EUR 7.12 / statement Duplicate statement for credit card* EUR 14.24 / statement Urgent card request for credit card* EUR 76.31 / request Urgent PIN request for credit card* EUR 76.31 / request

Amount of the transaction or exchange value in foreign exchange

Transfers to another country / transaction

Hard copy Electronic

≤ EUR 2,500 EUR 5.98 EUR 4.34 EUR 2,500.01-EUR 6,000 EUR 9.92 EUR 7.44 EUR 6,000.01-EUR 12,500 EUR 19.83 EUR 14.87 EUR 12,500.01-EUR 25,000 EUR 30.99 EUR 24.79 EUR 25,000.01-EUR 125,000 EUR 55.78 EUR 49.58 EUR 125,000.01-EUR 250,000 EUR 111.55 EUR 99.16 > EUR 250,000 EUR 198.31 EUR 185.92

1) Standing orders are included in the monthly fee. 2) Fees to be instructed in SHARE mode.

3) 25 for professionals and self-employed professionals.

4) Fees authorised to be instructed in OUR mode. Correspondent’s fees may possibly be added. 5) In fees at instructor’s expense mode, these fees may be in addition to any correspondent’s fees.

TRANSFER OPERATIONS

TRANSFERS – OUT

Transfers in EUR to Luxembourg and within the

SEPA

*

Transfers to a country outside the SEPA and/or in foreign exchange

5)

Standard current account

price Customised current account price

Transfer from a BGL BNP Paribas account... Number of free transactions 1) / month Pricing /

additional transaction ... to another personal account

(belonging to the same customer root account)

Hard copy Unlimited free

Electronic Unlimited free

... to another BGL BNP Paribas account Hard copy 1 4 EUR 1 Electronic Unlimited Unlimited free

… to another account in the SEPA*2)

(≤ EUR 125,000)

Hard copy 1 2 EUR 3.50 Electronic 1 15 3) EUR 0.75 … to another account in the SEPA*(> EUR 125,000.00) 4)

EUR 125,000-EUR 250,000 Hard copy EUR 110

n/a n/a Electronic EUR 90

> EUR 250,000 Hard copy EUR 150 Electronic EUR 130

… to another BNPP Group2) account (if in the SEPA*)

Otherwise: ≤ EUR 2,500 EUR 2500-EUR 6000 > EUR 6,000

Hard copy EUR 5.98EUR 9.92 EUR 15 ≤ EUR 2,500

> EUR 2,500 Electronic EUR 4.34EUR 5 > EUR 125,000 Hard copy EUR 15

Electronic EUR 5

Direct debit (debtor) free

DigiCash transaction free

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TRANSFER OPERATIONS

TRANSFER OPERATIONS

Amount of the transaction or exchange value in foreign exchange

≤ EUR 2,500.00 EUR 4.34 EUR 2,500.01-EUR 6,000.00 EUR 7.44 EUR 6,000.01-EUR 12,500.00 EUR 14.87 > EUR 12,500.01 EUR 24.79

Receipt of payment order Implementation date

Funds out value date of debit corresponding to the transaction implementation date = D

Funds in:

SEPAEUR or foreign currency* 2)

Other currencies

In case of foreign exchange

value date of credit corresponding to the date the funds are available

D +1 BD +2 BD Hard copy transfer received in branch before 16:30,

Monday to Friday the following business day, at the latest Hard copy transfer received in branch, Saturday 2 BDs, at the latest

Transfer via Web Banking, phone banking or MultiLine

received after 15:00 on a business day + 1 BD Transfer via Web Banking, phone banking or MultiLine

received on a non-business day The next BD

Urgent transfer EUR 12.39 / transaction Fax confirmation of a transfer order (including VAT) EUR 12.60 / transaction

Hard copy transfer that does not meet scanning requirements* EUR 5 / transaction

Joint transfer submitted in hard copy (at the instructor’s expense) EUR 0.62 / transaction 3)

Action in the event of missing, incorrect or incomplete IBAN* or BIC* account number EUR 5 / transaction MT 101 transfer fees (SWIFT* format for all payment orders) EUR 1.25 / transaction MT 940 transfer fees (international electronic format for account statements) free

Free

1) In fees at instructor’s expense mode, these fees may be charged at the same time as any correspondent’s fees;

for foreign exchange transactions, a foreign exchange commission will be applied.

2) SEPA currencies: BGN, CHF, CZK, DHH, EEK, GBP, HUF, ISK, LTL, LVL, NOK, PLN, RON, SEK. 3) The hard copy transfer fees debited are added at the end of the month.

TRANSFERS – IN

VALUE DATES AND

CUT-OFF TIME

*

OTHER FEES

Transfers in EUR originating in a SEPA country

Transfers in EUR or foreign currency received from a country outside the SEPA

1)

The ordering customer bears our costs as well as those of the correspondent bank if the “OUR” instruction is selected (all fees charged to the ordering party). Cross-border payments within the SEPA can be made in “OUR” mode if the amount of the transaction exceeds EUR 125,000.

Country

(of beneficiary’s bank) Currency of the transfer Amount of the transfer (expressed in EUR) Correspondent's fees(in EUR)

Luxembourg

EUR any amountnational (within LU) payments

in EUR are never processed in “OUR” Free

Currency ≤ EUR 12,500.00 EUR 12,500.01-EUR 50,000.00 > EUR 50,000.00 EUR 20 EUR 40 EUR 75 Germany

EUR > EUR 125,000 EUR 7 Currency ≤ EUR 12,500.00 EUR 12,500.01-EUR 25,000.00 EUR 25,000.01-EUR 50,000.00 > EUR 50,000.00 EUR 7 EUR 10 EUR 20 0.07% max. EUR 50

Andorra – Bulgaria – Cyprus – Croatia – Estonia – Hungary – Iceland – Poland – Czech Republic – Romania –

Slovakia – Slovenia

EUR > EUR 125,000 EUR 75 Currency any amount EUR 15

Finland – Åland Islands EUR > EUR 125,000 EUR 7

Currency any amount EUR 15

Spain – Ceuta – Melilla – Canary Islands EUR > EUR 125,000

0.1% min. EUR 50 max. EUR 75 Currency any amount EUR 15

Belgium

EUR > EUR 125,000 EUR 75 Currency ≤ EUR 12,500.00 EUR 12,500.01-EUR 25,000.00 EUR 25,000.01-EUR 50,000.00 > EUR 50,000.00 EUR 4 EUR 10 EUR 20 EUR 75

Austria EUR > EUR 125,000 EUR 50

Currency any amount EUR 15

1) OUR: Our costs.

(8)

TRANSFER OPERATIONS

TRANSFER OPERATIONS

Country

(of beneficiary’s bank) Currency of the transfer Amount of the transfer Correspondent's fees

France - Guadeloupe – French Guiana – Martinique – Mayotte – Miquelon – Reun-ion – St-Barthélemy – St-Martin – St-Pierre

EUR > EUR 125,000 EUR 20 Currency any amount EUR 15

Gibraltar – United Kingdom EUR > EUR 125,000 EUR 20

Currency any amount EUR 15

Greece

EUR > EUR 125,000 0.2%min. EUR 10 max. EUR 75 Currency any amount EUR 15

Monaco EUR > EUR 125,000 EUR 20

Currency any amount EUR 15

Sweden – Denmark EUR > EUR 125,000 EUR 7

Currency any amount EUR 15

Switzerland - Liechtenstein EUR > EUR 125,000 EUR 7

Currency any amount EUR 15

Lithuania – Latvia EUR > EUR 125,000 EUR 11

Currency any amount EUR 15

Portugal EUR > EUR 125,000

0.05% min. EUR 15 max. EUR 75 Currency any amount EUR 15

Italy – San Marino EUR > EUR 125,000 EUR 75

Currency any amount EUR 15

Netherlands EUR > EUR 125,000 0.1 % max. EUR 68

Currency any amount EUR 15

Ireland – Malta EUR > EUR 125,000 EUR 11

Currency any amount EUR 15

Norway EUR > EUR 125,000 EUR 75

Currency any amount EUR 12

Country

(of beneficiary’s bank) Currency of the transfer Amount of the transfer Correspondent's fees

South Africa 1) EUR ≤ EUR 12,500.00 EUR 12,500.01-EUR 25,000.00 EUR 25,000.01-EUR 50,000.00 > EUR 50,000.00 EUR 10 EUR 20 EUR 30 EUR 75 Currency any amount 0.35%min. EUR 12

max. EUR 25

Australia – New Zealand 1) EUR

≤ EUR 12,500.00 EUR 12,500.01-EUR 25,000.00 EUR 25,000.01-EUR 50,000.00 > EUR 50,000.00 EUR 10 EUR 20 EUR 30 EUR 75 Currency any amount EUR 12

Canada EUR ≤ EUR 12,500.00 EUR 12,500.01-EUR 25,000.00 EUR 25,000.01-EUR 50,000.00 > EUR 50,000.00 EUR 10 EUR 20 EUR 30 EUR 75 Currency any amount EUR 7

Other countries 1) EUR

≤ EUR 12,500.00 EUR 12,500.01-EUR 25,000.00 EUR 25,000.01-EUR 50,000.00 > EUR 50,000.00 EUR 10 EUR 20 EUR 30 EUR 75 Currency any amount EUR 15

Japan 1) EUR ≤ EUR 12,500.00 EUR 12,500.01-EUR 25,000.00 EUR 25,000.01-EUR 50,000.00 > EUR 50,000.00 EUR 10 EUR 20 EUR 30 EUR 75 Currency any amount 0.05%min. EUR 20

max. EUR 75

United States of America Any currency any amount EUR 5

Guernsey 1) – Isle of Man 1) – Jersey 1) Any currency any amount EUR 15

1) If, exceptionally, the fees received by the correspondent bank exceed the maximum stated in this document, BGL BNP Paribas reserves the right

(9)

SECURITIES OPERATIONS

SAVINGS ACCOUNT

D = day of transaction, BD = business day, CD = calendar day Interest is recorded on 31 December of the present year.

Young people aged < 18 Natural persons aged > 18 Account summary fees free EUR 3 / year Account statements:

• sending by post • electronic statements

Free monthly statement free

Savings account Savings book Time-deposit accounts

Cash To an account denominated

in... Fees Value dates Fees Value dates Fees Value dates

Without conversion

EUR EUR free +15 CD free +15 CD free +2 BD Currencies Currencies free +10 BD n/a n/a free +10 BD

Savings account Savings book Time-deposit accounts

From an account

denominated in... To cash Fees Value dates Fees Value dates Fees Value dates

Without conversion

EUR EUR free 2 BD free -15 CD free D Currencies Currencies free -2 BD n/a n/a a minimum 0.50% with

of EUR 2.48 D With

conversion

EUR Currencies free +10 BD n/a n/a

See “foreign exchange commissions”

table

+2 BD Currencies EUR free +5 BD free +15 CD free +2 BD Currencies Currencies free +10 BD n/a n/a free +2 BD

With conversion

EUR Currencies free -2 BD n/a n/a

See “foreign exchange commissions”

table

D Currencies EUR free -2 BD free -15 CD free D Currencies Currencies free -2 BD n/a n/a free D

SAVINGS ACCOUNT

ACCOUNT FEES

CASH-TRANSACTION FEES AND VALUE DATES

Transfer operations

Withdrawal operations

BGL BNP Paribas securities free

Subscription to other issuers EUR 60 Equity-market purchase from other issuers EUR 60 Send to home address Please inform our advisers Custody fees are withdrawn quarterly, at the start of each quarter.

The securities placed in custody are held free of charge until the end of the quarter.

The custody fee* deducted remains the property of the bank even if the security is withdrawn before the end of the quarter.

Shares in BNP Paribas Group, including the shares of Group entities issued under their former names (FBL, BGL, Fortis Group), are free of custody fees*

Minimum / deposit EUR 10 / quarter Minimum / item (line) EUR 3.10 / quarter Fixed price / item for which the security price is not available EUR 12.39 / quarter

SECURITIES OPERATIONS

SECURITIES CUSTODY

SECURITIES TRANSACTIONS

Custodianship

Physical delivery of securities linked to a purchase transaction (per security item)

CUSTODY FEES

BNP Paribas Group shares

Other securities and precious metals

At a BGL BNP Paribas counter free

Through a bank: (= inwards transfer) • free of payment

• for payment

free

EUR 45

Deposit value in EUR

(or exchange value in foreign exchange) (+15% VAT)Securities Precious metals(+17% VAT) < EUR 500,000.00 0.200% 0.300% EUR 500,000.00-EUR 1,250,000.00 0.150% 0.225% > EUR 1,250,000.00 0.100% 0.150%

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SECURITIES OPERATIONS

SECURITIES OPERATIONS

Important: Any taxes or fees that the bank may have to pay following custodianship or withdrawal operations are not included in our commission. They are deducted separately, for example:

• registered security registration fees;

• taxes associated with changes in security ownership (0.50% in the United Kingdom).

Note: The physical delivery of securities relating to securities operations (re-investment, exchange, award, stamp-marking, bond conversion, etc.) is free of charge.

Paying company Collection fees (per security)

Interest and dividends Security reimbursement From BGL BNP PARIBAS free

From another bank in Luxembourg free

Foreign paying company: All other coupons and dividend cheques

Brackets Rate Brackets Rate

< EUR 2,478.95 with a minimum 2.50%

of EUR 2.48 < EUR 123,946.77 0.50% EUR 2,478.95-

EUR 12,394.68 1.00% ≥ EUR 123,946.77 0.25% ≥ EUR 12,394.68 0.50%

Other fees Foreign exchange commissionCorrespondent’s fees*

Transfer of registered securities

Transfer of securities from BGL BNP Paribas custody

Collection of securities in custody

BGL BNP Paribas Group shares and bonds free

Investment funds domiciled with BGL BNP Paribas free

Other issuers EUR 90

To the custody elsewhere within BGL BNP Paribas free

To the custody of a bank of the Fortis Group in Benelux free

To the custody of another bank • free of payment

• for payment

EUR 60 / transfer EUR 75 / transfer

Purchase / sale fees Luxembourg equity market Other equity markets 1) Over the counter

Minimum fee EUR 24.79 EUR 74.37 EUR 24.79 ≤ EUR 49,578.70 (or exchange value in foreign exchange) 0.50%

Please ask our in-branch advisers

about prices

0.65% EUR 49,578.71-EUR 123,946.76 (or exchange value in foreign

exchange) 0.40% 0.50% EUR 123,946.77-EUR 247,893.52 (or exchange value in foreign

exchange) 0.30% 0.30% > EUR 247,893.53 (or exchange value in foreign exchange) 0.20% 0.20%

Purchases and sales of structured product are deducted in line with the “Bonds – Over the Counter” prices.

Purchase fees Sale fees

BGL BNP Paribas Investment Partners Net asset value (NAV) + commission, as per prospectus As per prospectus Other funds 2) 3) 4) NAV + commission, as per prospectus

+0.15% fee Prospectus conditions-0.65% fee

EQUITY-MARKET TRANSACTIONS

Shares and warrants

Options

Bonds

Investment funds

Purchase / sale fees Luxembourg equity market Other equity markets 1) Over the counter

Minimum fee EUR 24.79 EUR 74.37 EUR 74.37 ≤ EUR 49,578.70 (or exchange value in foreign exchange) 0.80% 1.50% 0.65% EUR 49,578.71-EUR 123,946.76

(or exchange value in foreign exchange) 0.60% 1.25% 0.50% > EUR 123,946.77 (or exchange value in foreign exchange) 0.40% 1.00% 0.30%

Purchase / sale fees Equity market of any country

Minimum fee EUR 74.37 ≤ EUR 2,478.94 (or exchange value in foreign exchange) 5.00% > EUR 2,478.95 (or exchange value in foreign exchange) 4.00%

1) Potential equity-market taxes are not included in our commission and are deducted separately, for example:

- United Kingdom: 0.50% on purchase of securities; - Switzerland: 0.09% on purchase and sale of securities.

2) Funds without incoming commission are deducted in line with the “Shares and Warrants – Over the Counter” prices.

3) Funds domiciled outside the EU are deducted in line with the “Shares and Warrants – Over the Counter” prices + commission, as per prospectus. 4) US mutual funds are deducted in line with the “Shares and Warrants” prices.

(11)

OTHER SERVICES AND FACILITIES

SECURITIES OPERATIONS

Note: in the case of a conversion transaction, a foreign exchange commission is applied (see transfer-operation and foreign exchange-transaction prices).

Note: In the case of conversion transactions, a foreign exchange commission is applied. Purchase fees

Bonds and structured products in EUR free

Bonds and structured products in foreign exchange 0.15% with a minimum of EUR 6.20 / purchase Stocks 0.50% with a minimum of EUR 12.39 / purchase

Incoming commission 1.5% (instead of the 3% for a standard funds subscription) Outgoing commission 0%

Securities custody Quarterly statement Standing order

free

Primary market subscriptions

Easinvest

OTHER SERVICES AND FACILITIES

CHEQUES

Encashment fees

Issuance fees

Cheques in EUR drawn on Luxembourg

(without foreign exchange) Fees Value date

Cheques drawn on BGL BNP Paribas free Receipt date +1 BD Cheque drawn on another high street bank:

direct deposit under usual reserve:

• cheque ≤ EUR 50,000 • cheque > EUR 50,000

credit after encashment

EUR 3 / transaction EUR 3 / transaction

EUR 18 +correspondent’s fees*

Receipt date +2 BD Receipt date +4 BD date funds available +2 BD Cheques in EUR drawn on foreign

country (or foreign currency cheque) Fees Value date

Cheque amount or exchange value

in foreign exchange ≤ EUR 125.00 EUR 2,500.00EUR

125.01-EUR 2,500.01-EUR 12,500.00 EUR 12,500.01-EUR 25,000.00 > EUR 25,000.00

Direct deposit EUR 10 EUR 15 EUR 30 EUR 50 EUR 65 Receipt date 1) +4 BD

Credit after encashment Direct deposit fee + EUR 15 + correspondent’s fees* Date funds available +2 BD

Cheque issuance (the fees are borne by the BGL BNP Paribas issuer) Fees

BGL BNP Paribas cheque:

• Issuance fees 2) (cheque in EUR)

+ possible transfer fees 2) if beneficiary bank non-LU

+ possible foreign exchange fees in event of foreign exchange 2)

EUR 3

hard copy transfer outside the SEPA and / or in foreign exchange 4)

foreign exchange commission 4)

Cashier’s cheque:

• Issuance fees 3) (cheque in EUR)

+ possible transfer fees 3) if beneficiary bank non-LU

+ possible foreign exchange fees in event of foreign exchange 3)

EUR 4.96

hard copy transfer outside the SEPA and / or in foreign exchange 4)

foreign exchange commission 4)

1) Cheque received by BGL BNP Paribas Cheque Service before 10:00.

2) These fees are payable by the issuer when the beneficiary encashes the cheque. 3) These fees are payable by the issuer when the cheque is issued.

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OTHER SERVICES AND FACILITIES

OTHER SERVICES AND FACILITIES

Other fees

Fees

Return of unpaid cheques:

• on Luxembourg • on foreign countries

EUR 2.50 / cheque

EUR 12.50 / cheque + correspondent’s fees*1)

Tracer request EUR 12.50 / request Blocking and cancellation of a cashier’s cheque drawn on a foreign correspondent bank

(in foreign exchange) EUR 25 +correspondent’s fees*/ cheque

Important:

• Cashier’s cheques are drawn on our funds and are paid in accordance with the transfer fees; • The correspondent’s fees* on encashed cheques are borne by the remitter.

1) + potential foreign exchange commission.

SAFE-DEPOSIT BOX HIRE (INCLUDING VAT)

NIGHT DEPOSITORY (INCLUDING VAT)

Category Door height in cm Annual fee

A up to 10.00 EUR 49.85 B 10.01 to 14.00 EUR 66.13 C 14.01 to 19.00 EUR 81.40 D 19.01 to 25.00 EUR 96.65 E 25.01 to 30.00 EUR 111.91 F 30.01 to 40.00 EUR 127.18 G 40.01 to 50.00 EUR 142.44 H 50.01 to 60.00 EUR 167.87 I 60.01 to 70.00 EUR 188.22 J 70.01 to 80.00 EUR 203.47 For double the width: 2 x the price

For half the width 0.5 x the price

Note: The rent is payable in advance.

Monthly direct debit.

10 free deposits per month, from the 11th: EUR 6 per night-depository deposit made.

CERTIFICATES (INCLUDING VAT)

Fees

Statement of income from securities EUR 57.50 / statement

Recovery of tax withheld at source (minimum threshold of EUR 250) 3% of the amount of the tax recoveredMinimum: EUR 143.75 / request Maximum: EUR 575 / request Tax authorities’ forms EUR 115 / form

Exemption from withholding at source (minimum threshold of EUR 250) EUR 115 / case Certificates of interest or balance of an account:

• ≤ 5 years • > 5 years

EUR 2.50 / certificate

EUR 2.50 / certificate + EUR 29.25 / hour of searching Searching for a requested specific transaction:

• within 3 months of it being carried out • after 3 months of it being carried out

free

EUR 29.25 • Reference letter (creditworthiness certificate)

• Certificate of monthly payment of a standing order

• Certificate of ownership (confirmation of holding an account) • Confirmation of having had a relationship with the bank • Certificate of account closure

• Confirmation of studies • Confirmation of payment

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GLOSSARY

GLOSSARY

GLOSSARY

Account Guarantee Plus

*:

insurance covering anyone who is the holder or co-holder of one or several account(s) with

BGL BNP Paribas in return for an annual premium. It guarantees the designated beneficiary/ies payment of an indemnity equal to

the debit or credit balance of the account in the event of the holder’s accidental death.

ATM (automated teller machine)

*:

automatic cashier enabling the withdrawal of banknotes, the performance of some account

operations (withdrawing cash, checking balance, etc.) using a bank card and your PIN.

BIC or Bank Identifier Code

*

is a bank’s international identification code (also called Swift code), which must be indicated on

international transfers.

e.g.

the BIC for BGL BNP Paribas is BGLLLULL.

BNP Paribas Global Network

*:

ATM network of the BNP Paribas Group, enabling withdrawals in foreign countries with the V PAY

card, at the same price as for domestic transactions.

Participating banks:

BNP Paribas ED, BNP Paribas Fortis, BICIAB, BICICI, BICIG,

BICIGUI, First Hawaiian Bank, BNL, BGL BNP Paribas, BICIM, BMCI, BNP Paribas Poland, BICIS, UBCI, TEB, UKRSIBBANK, Bank of West.

For more information, please visit

www.bgl.lu

Credit card (VISA or MasterCard)

*:

international means of payment enabling payment of merchants at and withdrawals from

ATMs (automated teller machines); payments made with credit cards are added together and debited monthly from your account

after a monthly summary statement is sent.

Custody fees

*:

fees payable to ensure the safekeeping and servicing of securities (payment of coupons or dividends, monitoring of

securities operations, etc.).

Cut-off time

*:

time after which any payment order or payment coming in is deemed to have been received the bank’s next

busi-ness day.

DUO option

*:

Any additional card from the same family signed up to the Libertés offer gives you the right to a 50% discount on

the standard subscription fee. This discount does not apply to the Visa Business or to the Essentiel Group offer.

Family 1:

V PAY

debit card

/ Family 2:

MasterCard Blue and Visa Classic credit cards /

Family 3:

MasterCard Gold credit card /

Family 4:

Web Credit

Card credit card.

EU V PAY

*:

see

www.vpay.com

Global Alliance

*:

Agreement entered into between several major global banks including Barclays and Deutsche Bank, meaning

that you can use your card (debit and credit) to withdraw money from the network of ATMs abroad, at the same cost as for your

domestic transactions. For more information, please visit

www.bgl.lu

IBAN

*: I

nternational

B

ank

A

ccount

N

umber: International standard for identifying bank accounts. The IBAN ensures identification

of each account of the bank’s customers. It comprises the code for the country where the account is located (FR for France), the

check digits and the national account identifier (account details for France).

Mark up fee

*:

commission applied for non-euro transactions (credit card).

Nomad

*:

insurance covering all of a family’s mobile devices against damage, theft and fraudulent use. The insurance covers

compensation and repair costs.

OptiLine

*:

Line of credit agreed on an Optiflex current account up to a given amount with an unspecified duration. Customers can

freely use and re-use the line of credit, without restriction or obligation to justify it. The account balance is topped up as funds are

paid in. OptiLine is a flexible and transparent liquidity reserve, enablingcustomers to fund their day-to-day needs.

“OUR” correspondent’s fees

*:

fees paid by the customer ordering a payment in addition to the bank’s fees if the “OUR” instruction

is selected (all fees charged to the ordering party).

Over the limit

*:

state of having exceeded the account’s authorised credit limit.

Protect

*:

insurance covering repayment of the used Global Line or Réserve Privilège lines of credit in the event of death. It is an

optional policy.

Remote banking agreement

*:

agreement covering Web Banking, Mobile Banking and NetAgence.

Rent Guarantee

*:

guarantee intended to ensure that landlords are paid the guaranteed amount provided for in the lease agreement.

Réserve Privilège

*:

line of credit that can be used and reused indefinitely on a separate account in return for a monthly or

additional payment, without restriction or explanation of its purpose.

Revolving credit

*:

monthly credit card payments are added together and 10% of the balance (minimum EUR 50) is debited from

the cardholder’s account once per month (monthly statement).

SEPA

*:

EU countries + Norway + Iceland + Monaco + Switzerland (+ Saint Marino, Vatican and Andorra).

SEPA direct debit

*:

payment instrument that can be used for automatic collection of debts throughout the SEPA under the same

standards and implementation rules. Repeat invoices payable on fixed dates (telephone, electricity, taxes, etc.), and isolated

invoices can benefit from this payment method, provided that the creditor has a valid mandate signed by the debtor.

This system applies to transactions in EUR made between accounts domiciled in the 32 countries of the SEPA.

SEPA transfer

*:

payment instruction in EUR intended for the transfer of funds between accounts located in the SEPA. SEPA

trans-fers eliminate disparities between domestic transtrans-fers and cross-border transtrans-fers within the SEPA, and processes all ordinary EUR

transfers identically.

Swift

*:

unique identification code for financial and non-financial institutions.

Transfer that does not meet scanning requirements

*:

transfer that cannot be scanned and must be keyed in manually by

the transfer service (e.g. instruction via fax).

V PAY debit card

*:

European means of payment enabling payment of merchants at and withdrawals from ATMs (automated teller

machines); payments made with the V PAY card are debited directly from your bank account.

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NOTES

NOTES

(15)

Bascharage Kordall

Bereldange

Bettembourg

Clervaux

Diekirch

Differdange

Dudelange

Echternach

Esch Belval

Esch Benelux

Esch Centre

Ettelbruck

Grevenmacher

Howald

Junglinster

Larochette

Mamer

Mersch

Mondorf-les-Bains

Niederanven

Pétange

Redange-sur-Attert

Remich

Schifflange

Steinfort

Strassen

Tétange Käldall

Vianden

Wasserbillig

Weiswampach

Wiltz

BGL BNP PARIBAS S.A.

50, avenue J.F. Kennedy – L-2951 Luxembourg

R.C.S. Luxembourg: B 6481

Bonnevoie

Cloche d’Or

Gare

Grand-Rue

Kirchberg Europe

Kirchberg Head Office

Limpertsberg

Merl-Belair

Merl-Jardins de Luxembourg

Royal Monterey

OUR BRANCHES IN LUXEMBOURG CITY

OUR BRANCHES IN LUXEMBOURG

CONTACT-US

Mark eting C ommunic ation November 2015

(+352) 42 42-2000

@

info@bgl.lu

bgl.lu

The bank

for a changing

world

Figure

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References

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