List of charges and services

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1 THE ENGLISH VERSION SERVES INFORMATION PURPOSES ONLY. THE GERMAN

VER-SION ALONE IS LEGALLY BINDING.

This list of charges and services applies to the business relationship between the customer and NORD/LB and „Braunschweigische Landessparkasse“ (BLSK), a subsidiary of NORD/LB with partial legal capacity. Pursuant to § 13 of the government agreement with NORD/LB, any rights and obliga-tions pertaining to BLSK shall be applicable to NORD/LB. Any declaraobliga-tions issued or received by BLSK shall have effect for the benefit of and against NORD/LB.



Section A:

Charges for services within the scope of standardized

transac-tions for private and business customers (savings, traveller’s

cheques, loans, securities, safe deposits, other).



Section B:

Charges and performance characteristics of account

man-agement services, payment services (transfers, direct debit,

card payments, cash deposits and withdrawals) and of cheque

transactions for private and business customers.



Section C:

Exchange rates for foreign currency transactions (except

payment services) for private and business customers.



Section D:

Out-of-court settlement of disputes and other complaint

pro-cedures for private and business customers.

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1. Savings account

1.1 Dispatch of

 Account statements postage

 Replacement account statements* 5.00 € incl. postage

 Credit note forms postage

1.2 Value date

 Cash deposits on saving accounts date of the deposit

 Cash withdrawals from saving accounts date of the withdrawal

2. Travelers Cheques and Transportation Cost for Foreign Currency

 Transportation costs for foreign currency and precious metal supply directly to the

cus-tomer

Flat charge for transportation costs:

 Order Value up to EUR 5.000,- 11.90 €

 Order Value up to EUR 20.000,- 51.00 €

– Order Value as off EUR 20.000,- (individual orderable) 51.00 €

 Cashing in Travelers Cheques

 in foreign currencies 1.5 ‰, min. 5.11 €

plus commission 0.25 ‰, min. 1.79 €

 EURO free of charge

 Returning unused Travelers Cheques (per transaction) 5.11 €

3. Overdrafts

For any drawings against the account which are not covered by a credit balance or a credit line (overdrafts), the contractual overdraft interest rate will be charged. Where no such rate has been agreed in the contract, the overdraft interest indicated on the list of charges displayed at the branch shall apply. Business customers will pay an in-terest rate of currently 17.00% p. a. for overdrafts.

For consumer loan agreements, statutory provisions also apply.

4. Securities

4.1 Deposit facilities

 Base fee p. a. per deposit 25.00 €

 Volume dependent fee (p. a. of the market/ nominal value of the deposit as of 31 Dec.; for Zero Coupon Bonds, this fee applies to the final amount, NORD/LB bonds are free of charge)

0.125 %

 Other securities (closed-end real estate funds and types without market

val-ue, per drawing p. a.) 2.50 €

 Statement of account and debiting annually

________________________________

*

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 Duplicates (per bond)* 15.00 €

 Deposit statement issued during the course of the year (per item and statement)*

1.00 € min. 15.00 €

 Transfer of registered shares (per transfer) 6.30 €

 Transfer of deposit earnings/ capital return to other banks (per item) 2.50 €

 Refund request (foreign withholding tax on dividends or other withholding tax per request)

 manual procedure, min. 25.56 € refundable amount

 automated procedure, possible for certain countries

15.00 € per request 50.00 € per item plus 5.00 €

 Freezing a deposit account* 10.00 €

Deposit transfer third party costs only

Annual tax certificate free of charge

4.2 Bonds

 Deposit (per type) 9.13 €

 Subsequent realization of subscription rights (per transaction) 15.00 €

 Coupon renewal (coupons pertaining to interest, profit share and revenue) 13.50 €

 Redemption of matured securities (per nominal value and presentation) 0.25 % min. 17.50 € max. 300.00 €

 Redemption of coupons pertaining to interest and dividend (of the gross amount, per presentation)

1.00 % min. 17.50 € max. 300.00 €

 Procurement of replacement titles, per transaction

*

15.00 €

 Exchange of actual securities (NORD/LB issues are free of charge) 15.00 € 4.3 Transaction services

4.3.1 Purchase and sale of securities (transactions through consultants)

 Postage and other expenditures are not included in the following rates. Shares, certificates, stock warrants, listed investment funds

 Commission (of the market value, per transaction) 1.00 %, min. 15.34 € Fixed-interest securities

 Commission (of the nominal value, per transaction)

(for Zero Coupon Bonds pertaining to the final amount; the initial purchase of NORD/LB bonds is free of charge)

0.50 %, min. 15.34 €

Investment certificates

 from DekaBank or from the cooperation partners Swisscanto and LODH

 Purchase at the relevant issue price

 Sale at the relevant return price

*

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 Purchase at the relevant issue price

 Sale _{1 % commission, min. 15.34 €}at the return price, minus

Capital transactions

 Subscription right/partial right, commission (of the market value), min.

nominal value 50 € 1.00 %, min. 10.50 €

 Subscription of new shares, commission (of the market value) 1.00 %, min. 15.34 €

 Subscription of convertible debentures, commission (of the market

value) 0.50 %, min. 15.34 €

 Exercising convertible debentures in shares (of the nominal value,

plus supplement) 0.50 %, min. 15.34 €

 Exercising stock warrants in shares (of the option price) 1.00 %, min. 15.34 €

 Liquidation proceeds, commission (of the market value) 1.00 %, min. 15.34 € 4.3.2 Online banking/ telephone banking

Purchase and sale of securities

 Postage and other expenditure are not included in the following rates. Shares

 Commission (of the market value, per transaction) 0.50%, min. 10.23 € Fixed-interest securities

 Commission (of the nominal value, per transaction)

(for Zero Coupon Bonds pertaining to the final amount; the initial purchase of NORD/LB bonds is free of charge)

0.25%, min. 10.23 €

Investment certificates

 from DekaBank or from the cooperation partners Swisscanto and LODH

at the relevant issue-/ return price

 Purchase at the relevant issue price

 Sale at the relevant return price

Other domestic and foreign investment certificates

 Purchase at the relevant issue price

 Sale at the relevant return price, minus _{0.50 % commission, min. 10.23 €} Capital transactions

 Subscription right/partial right, commission (of the market value), min.

nominal value 50 € 0.50 %, min. 10.23 €

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 Setting up / changing / deleting daily/ end-of-month limits 10.23 €

 Assessment fee If the sale took place in a

deposito-ry which is different from the de-pository where the customer’s portfolio is booked, an assessment fee will be charged. The amount depends on the depository.

4.4 Compensation of disbursements

The compensation of disbursements goes by statutory regulations. Please ask your securities consultant for details on the amount of third-party costs pertaining to your security placement.

4.5 Futures and Options (Eurex) 4.5.1 Equity and Index Options

1% of the transaction value (option premium) in euros, Minimum commission 46.02 € excl. Eurex charges 4.5.2 Futures or Options on Futures

46.02 € per contract excl. Eurex charges

Charges for other futures exchanges and commodity futures upon request. 4.5.3 Clearing Fees

NORD/LB charges a maximum of 20.00 € per contract for clearing exchange traded derivatives (fu-tures and options) on the Eurex. Eurex charges and third party costs are charged separately. These costs are components of the respective transaction conditions. In addition, NORD/LB grants discounts, where applicable, in the context of individual or volume agreements.

4.5.4 Default Information

Details concerning the offered account segregation models can be found on the EurexClearing AG website (www.eurexclearing.com) under Risk Management, Client Asset Protection.

Portfolios on the Eurex are segregated using "Omnibus Client Account Segregation" unless specifi-cally foreclosed by the clients (Elementary Clearing Model).

4.5.5 Individual Segregation

In addition, we also offer "Individual Client Account Segregation" (Individual Clearing Model).

The implementation of the Eurex Individual Clearing Model requires joint planning and coordination of the process steps (Negotiation of corresponding contracts, implementation and adaptation of IT sys-tems, etc.) With that said, a potential on-boarding process is individually to the segregation require-ments needed for your institution. The duration and costs of the on-boarding are determined by these requirements.

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* where caused by circumstances within the responsibility of the customer. 1

The annual tax certificate is issued free of charge. Rental fee for safes

0 to 7.5 cm 12.50 €

7.6 to 10.00 cm 20.00 €

10.10 to 15.00 cm 27.50 €

15.10 to 20.00 cm 35.00 €

in excess of 20.00 cm 42.50 €

Fees are calculated quarterly and charged in advance.

For the initial quarter the fee will be calculated on a pro-rata basis.

6. Miscellaneous

6.1 Earnings statement1

 Earnings overview (per item) 0.80 €

min. 8.00 € max. 50.00 €

 Annual overview of issued earnings settlements (per item) 1.50 € min. 15.00 € max. 75.00 €

 Interest certificate

 Letter 87.71 €/per hour, _{min. 8.00 €}

 Savings (by IT) 3.00 €

6.2 Services on request of the customer*

 Phone calls per unit 0.20 €, min. 1.00 €

 Facsimiles per page 2.50 €

 Photocopies per page 0.50 €, min. 1.50 €

 Enquiries

 with regard to the correct execution of payment transactions (where not caused by incorrect information regarding the recipient provided by the customer)

free of charge

 Other enquiries* _{87.71 €/per hour}at cost

6.3 Duplicates*

 per document per unit

(unless where other provisions of this list of charges and services apply)

7.50 €

6.4 Bank enquiries on request of the customer

 in Germany 40.00 € + VAT

 abroad 50.00 € + VAT

 plus third-party costs and translation costs (where requested) 6.5 Miscellaneous

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I. Current accounts

1. Pricing schemes

1.1 Pricing scheme for private current accounts (salary/ wage accounts, pension accounts) Each of the following private account pricing models is also offered as a "Basiskonto" according to the German Zahlungskontengesetz.

Services specific to business customers (e.g. payment transaction mandates via computer centres, data storage media and electronic submitted orders with/without electronic signature) are charged according to item B I 1.3 and item B I 1.4 (“Current accounts for business customers, Model: “BusinessGiroS””).

Private accounts models GiroAktiv GiroAktivPlus GiroInklusiv

Monthly base fee

1.50 € (deleted for incoming salaries/ wages or

pen-sions of at least 1500.00 € )

2.50 € 7.50 €

Execution of a payment order*,** 0.05 € 0.10 € 0.00 €

Online banking order**,*** 0.05 € 0.10 € 0.00 €

Telephone banking order or

SB-Terminal order**,*** 2.00 € 0.10 € 0.00 €

Paper-based order**,*** 2.00 € 1.00 € 0.00 €

Deposit / payout

at the counter per item 1.00 € 1.00 € 0.00 €

Debit card

each subsequent debit card

1 card including

7.50 € p.a. 1 card including 7.50 € p.a. 2 cards including 7.50 € p.a.

* Applies to the execution of payment transactions on an account by standing order, direct debit, check or through a payment card as well as credits from transfers, direct debits and card transactions.

** Only collected if the postings are made as agreed and on behalf of customers. For erroneous bookings and correction and reversal postings will be charged no fee.

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Account type of business customers BusinessGiro S BusinessGiro M BusinessGiro L

Monthly base fee

7.00 € each subsequent transaction 0.35 € 10.00 € each subsequent transaction 0.25 € 25.00 € each subsequent transaction 0.15 € Book-entry item

paper-based and paperless,

e.g. transfer orders, direct debits, credit entry

0.35 € 0.25 € 0.15 €

Deposit / payout

cash dispensers, at the counter 0.35 € 0.25 € 0.15 €

Debit card

First debit card per account Each subsequent debit card

0.00 €

7.50 € 0.00 € 7.50 € 0.00 € 7.50 €

Other

Reversal debits of returns (plus third-party-costs and forward rate)

3.00 € 3.00 € 3.00 €

Standing orders Setting up, modifying,

- paper-based, via telephon banking - Homebanking / SB-terminal 2.50 € 0.50 € 2.50 € 0.50 € 2.50 € 0.50 €

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Model 1: BusinessDirect Model 2: BusinessEconomy Model 3: BusinessClassic

Model 4: BusinessDirect Corporates

Model 1 Model 2 Model 3 Model 4

monthly base fee 5.00 € 10.00 € 15.00 € 2.50 €

at institutions other than banks 7.50 €

for each month commenced

1.4 Other services

Transfer confirmation4

Provision of account activity information (DTI)

per mandate per item

 BusinessClassic, BusinessGiro S

 BusinessEconomy, BusinessGiro M

 BusinessDirect, BusinessDirect Corpo-rates,BusionessGiro L 10.00 € 5.00 € 0.15 € 0.08 € 0.05 €

Return debit of debit entries submitted for collection

 for payers at NORD/LB 3.00 €

 for payers at other banks 3.00 €

plus third-party costs Return debit of cheques submitted for collection

 for payers at NORD/LB 1‰, min. 5.00 €

 for payers at other banks 1‰, min. 5.00 €

plus third-party costs

2. Account statement (per

transac-tion)

Preparation and provision/transmission in the agreed form and fre-quency pursuant to the agreed procedure

not separately charged

The first preparation and transmission of final settlements is always free of charge. Provision/ transmission on request of the customer, where exceeding the agreed scope (per transaction)

 daily, weekly, fortnightly or monthly statement

 if dispatched by mail 1.00 € plus postage

Mail dispatch of account statements and final settlements not called up

at the statement printer after 35 days postage

Preparation and provision/transmission of account statement duplicates by IT on request of the customer*

7.50 €

The bank shall provide the customer at least once a month with account information on payment transactions5 in the agreed form. The manner and interval for providing such information can be agreed separately with customers who are not consumers.

* where caused by circumstances within the responsibility of the customer. 4

Paper-based transaction confirmations requested by the customer. Transfer confirmation by stamping the transfer carbon copy are free of charge.

5

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1. General bank details6

1.1 Name and address of the bank Norddeutsche Landesbank Girozentrale Friedrichswall 10

30159 Hannover

1.2 Competent supervisory authority

The responsible supervisory authority is the European Central Bank, Sonnemannstraße 29, 60314 Frankfurt/Main

Postal address: European Central Bank, 60640 Frankfurt/Main (Internet: www.ecb.europa.eu) The responsible supervisory authority for consumer protection is the Federal Financial Supervisory Authority, Graurheindorfer Straße 108, 53117 Bonn and Marie-Curie-Straße 24-28,

60439 Frankfurt/Main, Germany (Internet: www.bafin.de) 1.3 Entries in the Register of Companies

AG Hannover HRA 26247; AG Braunschweig HRA 10261; AG Stendal HRA 22150

1.4 Contract language

German shall be the prevailing language for the business relation with the customer. 1.5 Business days and cut-off times of the bank

As business day shall be deemed any day where the payment service providers participating in a payment transactions maintain the business operations required in order to process payment trans-actions. The bank maintains business operations required in order to process payments on all work-ing days, with the exception of

– Saturdays – the 24th

and the 31st of December Cut-off time:

Paperless instructions regarding to foreign payment transac-tion mandates per EDI (not applicable to EU-standard and SEPA payments)

on business days until 10.30 a.m.

Other instructions:

To the extent that no other rules are in force and where the actual recipient facility does not indicate differing cut-off times

on business days until 12 a.m.

1.6 Out-of-court dispute settlement and other complaint procedures See section D of the list of charges and services

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2.1 Transfers within Germany and to other countries of the European Economic Area (EEA)7 in

Euros or in other EEA currencies8 2.1.1 Transfer order

a) Cut-off time for transfers

For business days and cut-off times of the bank, see section B II. no. 1.5. b) Completion time

The bank must ensure that the transfer order is received by the payment service provider of the re-cipient within the following delay:

 Transfers in Euros

Paperless transfer orders9 max. 1 business day

Paper-based transfer orders10 max. 2 business days

 Transfers in other EEA-currencies

Paperless transfer orders9 max. 4 business days

Paper-based transfer orders10 max. 4 business days

For business days of the bank, see section B II. no. 1.5.

7_{Other EEA countries currently comprise: Belgium, Bulgaria, Croatia, Denmark, Estland, Finland, France, Greece, Ireland, Iceland,} Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, The Netherlands, Norway, Austria, Poland, Portugal, Romania, Sweden, Slovakia, Slovenia, Spain, Czech Republic, Hungary, United Kingdom of Great Britain and Northern Ireland and Cyprus.

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EEA currencies currently comprise: Euro, Pound Sterling, Bulgarian Lew, Croatian Kuna, Danish Krona, Estonian Krona, Icelandic Krona, Lithuanian Litas, Norwegian Krona, Polish Zloty, Rumanian Leu, Swedish Krona, Swiss Frank (for Liechtenstein only), Czech Krona, Hungarian Forint.

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Transfers via the self-service terminal, telephone banking, online banking or electronic data interchange (EDI). 10

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aa) Transfers in the account currency

For transactions not requiring any currency conversions, the payer and the recipient each pay the fees charged by their respective payment service provider.

The payer pays the following fees:

Transfer modalities

per transfer from the current account

Transfer type Paper-based

transfer11 Paperless trans-fer12 per standing order Express transfer paper-based paperless

Payment transfers with IBAN/BIC in Euros between branches of the bank

(SEPA transfer)

see pricing schemes in section B I no. 1 _{12.00 €} per transaction _{5.00 €,} per item 1.50 € Domestic transfers with IBAN/BIC to other

payment service providers (SEPA transfer)

Transfers in other EEA currencies to other payment service providers

1.5 ‰ min. 15.00 €* 1.5 ‰ min. 10.00 €* 1.5 ‰ min. 10.00 €* 1.5 ‰ min. 15.00 €, plus 5.00 €* 1.5 ‰ min. 10.00 €, plus 5.00 €* Euro-Express payment transfers online 10.00 €

* Manual additional processing (NON-STP) due to incomplete and/ or incorrect details (IBAN, BIC, destina-tion, currency, amount, name of the mandator, name of the recipient as well as the indication of particular in-structions for execution in the country of destination.

10.00 €

Where the OUR model is chosen, the payer is charged the following additional fees:

Transfer amount Fee

up to 25.000,00 € 20,00 € as of 25.000,01 € 40,00 € as of 50.000,01 € 60,00 €

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Transfer by form, collecting files with accompanying note, incl. service with SRZ. 12

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Payer

For transfers requiring currency conversions, the payer may choose between the following fee mod-els:

• Payer and recipient bear the fees charged by their respective payment service provider (SHARE) • The payer pays all fees (OUR)

Fees

Transfer modalities per transfer type

SHARE model

Transfer type Paper-based

transfer Paperless transfer per standing order Express transfer paper-based paperless

Transfers in other EEA curren-cies 1.5 ‰ min. 15.00 €* 1.5 ‰ min. 10.00 €* 1.5 ‰ min. 10.00 €* 1.5 ‰ min. 15.00 €, plus 5.00 €* 1.5 ‰ min. 10.00 €, plus 5.00 €* plus commission 0.25 ‰, min. 2.00 €

* Manual additional processing (NON-STP)due to incomplete and/ or incorrect details (IBAN, BIC, destination, currency, amount, name of the mandator, name of the recipient as well as the indication of particular instructions for execution in the country of destination.

10.00 €

Where the OUR model is chosen, the payer is charged the following additional fees:

up to 25,000.00 € 20.00 €

as of 25,000.01 € 40.00 €

as of 50,000.01 € 60.00 €

d) Other fees

Notification of a justified refusal to carry out a transfer order

 if dispatched by mail postage

Processing transfer cancellations after expiry of the cancellation period

 within the savings bank finance group 10.00 €

 for other payment service providers 10.00 €

 for international transfers** 30.00 €

Re-issuing transfers with incorrect recipient details given by the customer

 for international transfers ** 30.00 €

Processing of complaints for existing transfer of international transactions incl. target- and foreign currency payments. Recall, change and/or complements to a payment

or-der* ** 30.00 €

Duplicates

Duplicates of international transaction orders*

– per duplicate 5.00 €

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The bank charges the following fees for incoming transfers:

Transfer credit note from Fee in Euros

Domestic transfers with IBAN/BIC in Euros between branches of the bank

(SEPA transfer)

see pricing schemes in section B I no. 1

Transfers without IBAN/ BIC in Euros from payment ser-vice providers within the EEA

Transfers in another EEA currency from other payment

service providers ≤ 15.00 – 0 _{> 15.00 – 1‰, min. 7.50, max. 100.00}

Express transfers (TARGET) with IBAN/BIC in Euros

from other payment service providers outside Germany - see pricing schemes in section B I no. 1

Express transfers in other EEA currencies

≤ 15.00 – 0

> 15.00 – 1‰, min. 7.50, max. 100.00, plus 5.00 per transaction

Please note:

For incoming transfers in currencies other than the account currency, the following commission ap-plies in addition to the aforementioned fees: 0.25 ‰, min. 2.00 €.

The above fees are not applicable if the payer, e.g. of an international transfer, pays all applicable transfer fees.

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currencies)14 and all transfers to non-EEA countries (third countries)15

2.2.1 Transfer orders a) Completion time

Transfers will be effected as soon as possible. b) Transfer fees

aa) Payer

The payer may choose between the following payment models:

• Payer and recipient each bear the fees charged by their respective payment service provider (SHARE)

• The payer pays all fees (OUR)

 The recipient bears all fees (BEN) Please note:

 If the „SHARE“ model is chosen, intermediary payment service providers and the payment service provider of the recipient may charge additional fees.

 If the „BEN“ model is chosen, each of the involved payment service providers may charge additional fees.

bb) Fees

Transfer type Transfer modalities

per transfer SHARE fee model

Paper-based transfers Paperless transfers per standing order

SEPA transfers in EUR with IBAN/BIC to Switzerland see pricing schemes in section B I no. 1

Transfers in the account currency _{min. 15.00 €*}1.50 ‰, _{min. 10.00 €*}1.50 ‰, _{min. 10.00 €*}1.50 ‰,

Transfers in currencies other than the account cur-rency 1.50 ‰, min. 15.00 € plus commission 0.25 ‰, min. 2.00 €* 1.50 ‰, min. 10.00 € plus commission 0.25 ‰, min. 2.00 €* 1.50 ‰, min. 10.00 € plus commission 0.25 ‰, min. 2.00 €*

* Manual additional processing (NON-STP) due to incomplete and/ or incorrect details (IBAN, BIC, destina-tion, currency, amount, name of the mandator, name of the recipient as well as the indication of particular instructions for execution in the country of destination.

10.00 €

Supplement/ additional fee for express transfers / (when choosing SHARE or OUR)

5.00 €

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Other EEA countries currently comprise: Belgium, Bulgaria, Croatia, Denmark, Estland, Finland, France, Greece, Ireland, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, The Netherlands, Norway, Austria, Poland, Portugal, Romania, Sweden, Slovakia, Slovenia, Spain, Czech Republic, Hungary, United Kingdom of Great Britain and Northern Ireland and Cyprus.

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e.g. US-Dollar. 15

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up to 25,000.00 € 20.00 €

as of 25,000.01 € 40.00 €

as of 50,000.01 € 60.00 €

cc) Other fees

Notification of a justified refusal to carry out a transfer order

Processing transfer cancellations after expiry of the cancellation period

Re-issuing transfers with incorrect recipient details given by the customer

Processing of complaints for existing transfer of international transactions incl. target- and foreign currency payments. Recall, change and/or complements to a payment or-der* **

30.00 €

Notification of payment orders

 Notification to the beneficiary or to the bank of the recipient 7.50 € Duplicates

Duplicates of international transaction orders*

– per duplicate 5.00 €

2.2.2 Fees for crediting transfers

a) Payer

The fee model agreed between the person effecting the transfer and his/her bank determines who is liable to pay the fees for effecting the transfer. The following fee models are available:

• Payer and recipient each bear the fees charged by their respective payment service provider (SHARE)

• The payer pays all fees (OUR)

 The recipient bears all fees (BEN)

Please note:

 If the „SHARE“ model is chosen, intermediary payment service providers and the payment service provider of the recipient may charge additional fees.

 If the „BEN“ model is chosen, each of the involved payment service providers may charge additional fees.

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When choosing the „SHARE“ or „BEN“ fee model, the bank will charge the following fees, which will be deducted from the transfer amount:

Transfer credit from Transfer amount

up to EUR Fee

SEPA transfers in EUR with IBAN/BIC

from Switzerland see pricing schemes in section B I no. 1 Transfers in the account currency from

other payment service providers ≤ 15.00 € _{> 15.00 €}

0 1.00 ‰, min. 7.50 €, max. 100.00 € Transfers in currencies other than the

ac-count currency from other payment ser-vice providers ≤ 15.00 € > 15.00 € 0 1.00 ‰, min. 7.50 €, max. 100.00 €, plus commission 0.25 ‰, min. 2.00 €

3. Direct debit

3.1 Direct debit within Germany and from other EEA countries* 3.1.1 Direct debit authorization – Electronic Direct Debits (§7c ZAG) a) Completion time

It is the responsibility of the bank to ensure that the pre-authorized direct debit amount is received by the payment service provider of the recipient within one business day. For the definition of business days of the bank, see section B II. no. 1.5.

b) Fees

Payment by direct debit

Notification in case of a justified refusal of direct debit entries

3.1.2 SEPA Basis direct debit / SEPA-Express direct debit (COR1) a) Completion time

The bank has to ensure that the pre-authorized direct debit amount is received by the payment service provider of the recipient at the due date..

b) Fees

Payment by direct debit see pricing schemes in section B I no. 1

Notification in case of a justified refusal of SEPA Basis direct debit entries

3.1.3 SEPA debit entries for companies a) Completion time

It is the responsibility of the bank to ensure that the pre-authorized direct debit amount is received by the payment service provider of the recipient within one business day. For the definition of business days of the bank, see section B II. no. 1.5.

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Direct debit payment see pricing schemes in section B I no. 1

Accepting confirmations concerning the issue/ modification of a

SEPA company direct debit mandate free of charge

Notification in case of a justified refusal of SEPA company direct debit entries

Processing cancellations on the day of the debit entry 10.00 €

3.2 3.3 3.3.1 3.3.2 3.3.3 4.

Direct Debits from other countries Completion time

The debiting of the account will be effectuate as soon as possible Submission time for SEPA-Direct-Debits

SEPA-Basis-Direct-Debits („CORE“-system)

at first- and one-off-Direct Debits: not earlier than 14 calenderdays not later than: 6 businessdays before due date of the Direct Debit at recurring Direct Debits not earlier than 14 calenderdays

not later than: 3 businessdays before due date of the Direct Debit

SEPA-Basis- Direct-Debits with shorter execution time cycle („COR1“-system) at first-, one-off- and not earlier than 14 calenderdays

recurring Direct Debits: not later than: 2 businessdays before due date of the Direct Debit SEPA-Business-Direct Debits

at first-, one-off- and not earlier than 14 calenderdays recurring Direct Debits: not later than: 2 businessdays

before due date of the Direct Debit Card transactions

4.1 Credit cards Fees per month

4.1.1 Credit cards for private customers

MasterCard / VISA Basis 2.00 €

Only for Braunschweigische Landessparkasse customers, and in addition

fee:

choice of motif 0,25 €

for converting existing credit card, plus fee for a new credit card

 without PIN 16.00 €

 with PIN 21.00 €

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MasterCard / VISA Standard 3.00 €

Only for Braunschweigische Landessparkasse customers, and in addition

to fee:

choice of motif 0,25 €

 with PIN 21.00 €

MasterCard / VISA Gold 7.00 €

Only for Braunschweigische Landessparkasse customers, and in addition to fee

choice of motif 0.25 €

 with PIN 21.00 €

MasterCard / VISA Platinum

 annual fee 200.00 €

4.1.2 Credit cards for corporate customers (Commercial Cards)

VISA Business Card One 3.50 €

Only for Braunschweigische Landessparkasse customers, and in addition to fee:

choice of motif catalogue 0.25 €

 with PIN 21.00 €

choice of motif depending on firm 0.25 €

plus one-off set-up fee per motif 259.00 €

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VISA Business Card 3.50 €

company imprint, black/white, one-off 199.00 €

company imprint, colour, one-off 249.00 €

 with PIN 21.00 €

Only for Braunschweigische Landessparkasse customers, and in addition to fee:

choice of motif catalogue 0.25 €

 with PIN 21.00 €

choice of motif depending on firm 0.25 €

plus one-off set-up fee per motif 259.00 €

 with PIN 21.00 €

MasterCard Corporate Card 8.00 €

company imprint, black/white, one-off 199.00 €

company imprint, colour, one-off 249.00 €

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Issuing a replacement card on (blocking) request of the customer*

 without PIN free of charge

 with PIN free of charge

Mail dispatch of uncollected credit card statements postal charge

Duplicate credit card statements on request of the customer* per statement

 if dispatched by mail 7.50 €

Blocking a MasterCard / VISA on request and in the interest of the

customer. (In accordance with the terms and condition for credit

cards, the blocking notification is free of charge.)

free of charge

Using the credit card abroad16

 Fee for transactions in foreign currencies, inside and outside the EEA20

1.50 % of the transaction amount Cash withdrawals (see no. II. 4.4)

Requirement of voucher (dealer)17 7.50 €

Emergency card 150.00 €

Emergency cash 100.00 €

Notice of internet subscription 15.00 €

*_{where caused by circumstances within the responsibility of the customer.} 16_{For exchange rates, see section II. 6. of this list.}

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The merchant may charge a fee for payments with MasterCard. 17

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Debit card (annually)21 7.50 €

Daily drawing limit22

Daily drawing limit for debit cards*



For cash withdrawals from affiliated/other23 cash dispensers 2,000.00 € and



For using automatic cash points of merchants and service providers 2,200.00 € and



Cash Card recharging 200.00 €

Replacement card on (blocking) request of the customer

(where caused by circumstances within the responsibility of the customer, e.g. card lost by the card holder or change of name.)

free of charge

Blocking a debit card on request and in the interest of the customer

(in accordance with the terms and condition for credit cards, the blocking notification is free of charge.)

free of charge

Using the debit card at terminals abroad for the payment of goods and services

 within the EEA24 free of charge

 for payments in foreign currencies 1% fee

min. 0.77 €, max. 3.83 €

 for payments outside the EEA 1% fee

min. 0.77 €, max. 3.83 € Cash withdrawals (see no. II. 4.4)

4.3 Cash Card

 Recharging affiliated Cash Cards

at affiliated charging terminals free of charge

at terminals of other participating savings banks/ regional banks 0.51 € at charging terminals of other payment service providers 1.00 € At electronic cash terminals that additionally display the cash card and/or the

gi-rogo logo

free of charge

- Recharging Cash Cards of other banks

Please ask the card issuer with regard to any applicable fees.

* The daily drawing limit applies unless otherwise agreed with the customer.

21_{The indicated annual fee does not apply to debit cards which are part of an overall account management package.} 22

Provided sufficient funds or a pre-agreed credit line are available, the drawing limit applies to each debit card of the relevant account. Changes to the drawing limit must be communicated at least two months prior to their proposed effective date. The approval of the cus-tomer shall be deemed as granted where the cuscus-tomer has not expressed his/her opposition prior to the proposed date of effect. 23_{The drawing limit maybe lower at other cash dispensers, particularly abroad.}

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Cash withdrawals by our customers at the counter at the cash

dis-penser with our debit card see pricing schemes in section B I

Ziff. 1

see pricing schemes in sec-tion B I Ziff. 1 with our MasterCard / VISA 3 % of the transaction amount

min. 5.10 € 2 % of the transaction amount min. 5.10 € Cash withdrawals by customers of other

savings banks / regional banks

using a debit card n/a free of charge

using a MasterCard / VISA Please contact your bank for any applicable fees

Cash withdrawals by customers of other banks

using a debit card issued by another bank n/a 4,00 €

using a MasterCard / VISA issued by another bank Please contact the card issuer for any applicable fees.

Cash withdrawals by our customers at other payment service providers

at the counter at the cash dis-penser using a debit card



at savings banks and regional banks participating in the

“Heimatsparkassenmodell”

n/a free of charge



at other payment service providers in the EEA charging a direct customer fee - for withdrawals in Euro in the girocard- System

- for withdrawals in Maestro or other card systems in Euro

n/a n/a

free of charge 4,60 €



at other payment service providers in the EEA charging no direct customer fee - for withdrawals in Maestro or other card Systems in Euro

n/a 4.60 €



at other payment service providers in the EEA or outside the EEA in Maestro or other card systems

n/a 4.60 €

using a credit card (MasterCard / VISA)

for withdrawals in Euro at banks in Germany 3 % of the transaction amount 2 % of the transaction amount min. 5.10 € min. 5.10 € at banks outside Germany

fee for use abroad for withdrawals in the EEA and in foreign currencies inside the EEA 1.5% will be charged.

3 % of the transaction amount, min. 5.10 €

plus 1.5 % fee for use abroad

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4.5 Completion time

The card payment will arrive at the payment service provider of the recipient within the following de-lays:

Card payments within the EEA in Euro max. 1 business day Card payments within the EEA in other EEA

curren-cies25 max. 4 business days

Card payment outside the EEA (in any currency) as soon as possible

For the definition of business days of the bank, see no. II. 1.5. 4.6 Cash deposits

Cash deposits at our bank for the benefit of third parties

 by customers 10.00 €

26 

Electronic advice note (MT 942) per account and per transfer/

backup-procedure monthly 29.75 € incl. VAT.





Express transfers see pricing schemes in section B I no. 1

5.4 Telephone banking

Limits applicable to telephone banking and telephone brokerage:

 Transfers: 10,000 € per mandate and day

 Standing orders: 3,000 € per mandate

 The individual limit for securities mandates amounts to 50,000 € with a daily limit of 150,000 €

6. Exchange rates for payment services in foreign currencies

Conversions from Euros into foreign currencies and from foreign currencies into Euros are carried out based on market prices. These are available on request.

For the exchange rate for MasterCard / VISA transaction abroad, see 16 of the terms and conditions for MasterCard / VISA.

Exchange rates for Maestro transactions in non-Euro currencies can be viewed at www.helaba.de/CBD-Kursinformationen

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1. General

Cashing in cheques see pricing schemes in section B I no. 1

Cheque collection (inside Germany) see pricing schemes in section B I no. 1

Cheque forms free of charge

Mail dispatch of cheque forms on request of the customer postage

Stop order* 15.00 €

Extending a stop order* 7.50 €

Provision of a certified cheque from the German Central Bank 20.00 € Provision of a non-certified cheque from the German Central

Bank 20.00 €

Value date

 Cheque lodging

 affiliated banks

Lodging using the “cheque lodging form” with the column “sort code of the drawee bank” barred

1 business day after the transaction date

 other banks Receipt reserved

Lodging using the “cheque lodging form”; the column “sort code of the drawee bank” must be filled in

2 business days after the transaction date

 affiliated and other banks Receipt reserved

Cheque lodging with NORD/LB and other drawee banks on the same form (regardless of the form used)

2 business days after the transaction date

 Cheque cashing transaction date

2. International cheque transactions

a) Cheque payments to foreign countries27

Cheque type

Cheque modalities per cheque

paper-based mandate paperless mandate per order cheque issued in the account currency by

NORD/LB

1.5‰, min. 15.00 €,

plus 10.00 € 1.5‰, min. 10.00 €, plus 10.00 € per order cheque issued in another currency by

NORD/LB 1.5‰, min. 15.00 €, plus 10.00 €, plus commission 0.25‰, min. 2.00 € 1.5‰, min. 10.00 €, plus 10.00 €, plus commission 0.25‰, min. 2.00 €

per cash cheque issued in Euros by the customer 1.5‰, _{min. 15.00 €} ./.

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Cheque type

Cheque modalities per presenter Threshold amounts Fee Cheques presented by the customer in the account

currency ≤ 25.00 € ≤ 5,000.00 € > 5,000.00 € 0 12.00 € 1.5 ‰, min. 15.00 €

Cheques presented by the customer in other curren-cies ≤ 25.00 € ≤ 5,000.00 € > 5,000.00 € 0 12.00 € plus commission 0.25 ‰, min. 2.00 €

1.5 ‰, min. 15.00 €, plus commission 0.25 ‰, min. 2.00 €

Cheques presented by the customer for collection in

the account currency no limit 3‰, min. 20.00 € (plus postage)

Cheques presented by the customer for collection in

other currencies no limit

3‰, min. 20.00 €, plus postage, plus commission 0.25 ‰, min. 2.00 € c) Miscellaneous fees

Reminders – per reminder –

(to the foreign bank for unpaid cheques submitted for collection by the customer)

10.00 €

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29 Exchange rates

Conversions from Euros into foreign currencies and from foreign currencies into Euros are carried out based on market prices. These are available on request.

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In order to settle disputes, customers can call the arbitration panel at the “Bundesverband Öffentlicher Banken Deutschlands” (VÖB) [Federal Association of German Banks (VÖB)]. The matter must be detailed in writing to the following address:

Bundesverband Öffentlicher Banken Deutschlands Kundenbeschwerdestelle

Postfach 110272 10832 Berlin

Further details are described in the „Verfahrensordnung für die Schlichtung von Kundenbeschwer-den im Bereich des Bundesverbandes Öffentlicher Banken Deutschlands, VÖB” [Rules of procedure for customer complaints governed by the Federal Association of German Banks (VÖB)] (available on request).