PRICE LIST... 1 ACCOUNTS AND ACCOUNT INFORMATION... 2 CURRENT ACCOUNT INTEREST... 4 BANK TRANSFERS... 5 CASH OPERATIONS... 7 CHEQUES...

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Price List

PRICE LIST ... 1

ACCOUNTS AND ACCOUNT INFORMATION ... 2

CURRENT ACCOUNT INTEREST ... 4

BANK TRANSFERS ... 5

CASH OPERATIONS ... 7

CHEQUES ... 9

DEBIT CARDS ... 10

CREDIT CARDS ... 14

LOAN ... 18

FACTORING ... 23

LEASING ... 24

TRANSACTIONS IN SECURITIES ... 29

TRANSACTIONS IN DERIVATIVE INSTRUMENTS ... 40

MANDATORY FUNDED PENSION ... 42

ELECTRONIC CHANNELS ... 43

DOCUMENTARY CREDITS, COLLECTIONS AND GUARANTEES ... 45

ADDITIONAL SERVICES ... 49

SERVICES FOR MERCHANTS AND SERVICE ENTERPRISES... 52

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Accounts and account information

(1) The first debit card related to the account is free of charge.

(2) For a customer of Swedbank Estonia whose account is with a foreign bank or Swedbank Group and for a customer of a foreign bank or Swedbank Group whose account is with Swedbank Estonia.

(3) According to courier service provider. Note about the Price List:

The bank debits the service fees in euros.

The percentage-based service fee of foreign currency transactions is converted into euros on the basis of the exchange rate of European Central Bank.

If the sum available on the account in euros is insufficient to cover the service fee, the missing amount is converted from the foreign currency sum kept on the account based on the exchange rate determined by Swedbank.

CLOSING ACCOUNTS Effective as of 30.06.2014

Disbursement of payments made to a private person’s closed account

Direction of payments to a Swedbank account within 1 month as of closure of the account free of charge Direction of payments to an account with another Estonian bank within 1 month as of closure of

the account

fee of the domestic payment in a branch

OPENING ACCOUNTS Effective as of 01.09.2015

1. Current account (1)

1.1 Private person

1.1.1 for Estonian and EU member state (including Norway, Iceland, Liechtenstein,

Switzerland) resident free of charge

1.1.2 for another country resident 200 €

1.2 Legal person

1.2.1 for a legal person registered in Estonia free of charge

1.2.2 for a legal person registered in an EU member state (except Cyprus, Luxembourg,

Malta, United Kingtom) or Norway 30 €

1.2.3 for a legal person registered in another country (including Cyprus, Luxembourg, Malta,

United Kingtom) 400 €

2. Opening an account in a foreign bank through Swedbank 150 € + courier service fee (3) 2.1 Via Unicash partner bank

2.1.1 opening an account free of charge

2.1.2 monthly fee (includes sending SWIFT MT940 free of charge) 45 €

2.2 Opening an account in banks of Swedbank Group through Swedbank Estonia 60 € + courier service fee (3) 2.3 Entry into additional contracts, amendments and specimen signature cards in a foreign bank

and a bank of the Swedbank Group through Swedbank Estonia (2) 15 € + courier service fee (3) 2.4 Sending identification tools and cards to foreign banks and banks of the Swedbank Group

through Swedbank Estonia (2) 15 € + courier service fee (3)

3. Opening a start-up account free of charge

4. Deposits free of charge

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(1) Baltic Reports means a daily consolidated report of the balance of funds on current and group accounts and in the overnight deposit opened in Swedbank (Estonia, Latvia, Lithuania) of a company or companies belonging to the same group.

ACCOUNT INFORMATION Effective as of 01.09.2015

1. Account statement

1.1 From a branch 4 €

1.2 By post

- a decade, monthly and annual statement to Estonia 2 €

- a quarterly statement to a private person to Estonia free of charge - a quarterly statement to a legal person to Estonia 2 €

- abroad 4 €

1.3 By fax

- to Estonia 2 €

- abroad 4 €

1.4 From Internetbank free of charge

2. Balance query and statement (in Estonia)

- from a Swedbank ATM free of charge

- from ATMs of other banks 0,32 €/query

3. Monthly fee of Baltic Reports in internet-bank for business clients (1) 13 € 3.1 Monthly fee of Baltic Reports for the customers of the group account module in internet-bank

for business clients (1) 6,40 €

4. Current account default interest rate 0.2% a day

5. Monthly account fee of non-resident legal persons registered outside the EU Member States and Norway (excl. financial institutions)

Monthly account fee expandens also for non-resident legal persons registered in Cyprus, Luxembourg, Malta and the United Kingdom

50 €

GROUP ACCOUNT Effective as of 01.09.2015

Fees of a group account and members thereof

- Opening a group account 200 €

- Annual fee of a group account 190 €

- Annual fee for a sub-group account 190 €

- Opening a sub-group account 63 €

- Amendment of a group account agreement and a sub-group account agreement 25 €

- Monthly fee per group member 12 €

Intra-group automatic transactions - Automatic intra-group zero balancing transfer between accounts in euros or a foreign currency 0,16 € - Automatic intra-group interest transfer in euros and a foreign currency 0,16 €

Group administration and reporting service in channels - Monthly fee of the group account module in internet-bank for business clients 20 €

- Baltic Reports in electronic channels (1)

- Monthly fee of Baltic Reports in internet-bank for business clients 13 € - Monthly fee of Baltic Reports for the customers of the group account module in internet-bank for

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Current account interest

Effective as of 01.01.2015

Currency Annual interest rate

AUD 0% CAD 0% CHF 0% CZK 0% DKK 0% EUR 0.01% GBP 0% JPY 0% NOK 0% PLN 0% RUB 0% SEK 0% USD 0%

1. Current account interest is presented as a percentage on a basis of year (360 days).

2. Interest is calculated on the account balance as of the end of day and is roundes to two places after the decimal point.

3. Interest calculated on current accounts is transferred to accounts once a month not later than on the third day following the calculating month. 4. Interest calculated over month that remains below 0,05 € is not paid out or transferred into the next month.

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Bank transfers

1.PAYMENTS IN EUROS In a branch and telephone bank

In the Internet bank for privat clients, Internet bank for business clients, Swedbank Gateway

In an ATM

1.1 Intra-bank payment

1.1.1 Intra-bank payment 2,30 €

0,16 €;

In the Internet bank for private clients free of charge for people up to 25 years of age (incl.) and over 65 years of age (incl.)

0,16 €, free of charge for private clients over 65 years of age (incl.) (1)

1.1.1 Intra-bank incoming payment free of charge

1.2 Domestic payment

1.2.1 Domestic payment 3,20 € 0,38 € 0,38 €

1.2.2 An urgent domestic payment

- up to 10 000 € (incl.) 9 € 7 €

- over 10 000 € 32 € 30 €

1.2.3 Domestic incoming payment free of charge

1.3 Swedbank Group group payment

1.3.1 A group payment (2) 3,20 € 0,38 €

1.3.2 An incoming group payment free of charge

1.4 A European payment (3)

1.4.1 European payment 3,20 € 0,38 €

1.4.2 An urgent European payment

- up to 10 000 € (incl.) 9 € 7 €

- over 10 000 € 32 € 30 €

1.4.3 An incoming European payment free of charge

1.5. International payments (exc. points 1.3 and 1.4)

1.5.1 An ordinary payment

- transfer charges are shared (4) 9,45 € 5,45 € - transfer charges paid by remitter) (5) 29,75 € 24,75 € 1.5.2 An urgent payment

- transfer charges are shared (4) 14,85 € 9,85 € - transfer charges paid by remitter (5) 34,75 € 29,75 € 1.5.3 An express payment

- transfer charges are shared (4, 8) 39,85 € 34,85 € - transfer charges paid by remitter) (5) 49,85 € 44,85 € 1.5.4 An incoming international

payment (6) 5,75 € 5,75 €

1.6 Standing order

- Formalisation and cancellation free of charge

- Execution of an standing order (7) according to euro payment price list in tha Internet bank - Standing order to deposit free of charge

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- formalisation and cancellation free of charge - amendment of the E-invoice standing

order free of charge

- execution of the E-invoice standing

order free of charge

1.8 Transfer to savings deposiit (9) 2,30 € free of charge

1.9 Payment of a state fee in state

authorities 0,19 €

2. PAYMENTS IN FOREIGN CURRENCY In a branch and telephone bank

In the Internet Banking, Internet-bank for business clients, SwedInternet-bank Gateway

2.1 Intra-bank payment

2.1.1 Intra-bank payment 2,30 € 2 €

2.1.2 Intra-bank incoming payment free of charge 2.2 Swedbank Group group payment

2.2.1 A group payment 3,20 € 2 €

2.2.2 A group incoming payment free of charge

2.3 An international payment (exc. point 2.2)

2.3.1 An ordinary payment

- transfer charges are shared (4) 9,45 € 5,45 €

- transfer charges paid by remitter (5) 29,75 € 24,75 €

2.3.2 An urgent payment

2.3.3 An express payment in US dollars

2.3.4 An incoming international payment (6) 5,75 € 5,75 €

2.4Standing order

- formalisation and cancellation free of charge

- execution of a standing order according to euro payment price list in tha Internet bank - standing order to deposit free of charge

(1) This also applies to clients who were at least 60 years old on 1 September 2015 and held a current account.

(2) Payments to Swedbank (Latvia, Lithuania, Sweden, Finland, Norway, Denmark) reach the beneficiary's account in the full amount. The beneficiary’s IBAN must be specified.

(3) Terms and conditions of a European payment: *the payment currency is the euro;

*The correct IBAN is indicated in the payment; *The service fee type is ‘shared’;

* The beneficiary’s bank ( remitter`s bank when incoming payment) is located in a Member State of the European Union (or Norway, Iceland, Liechtenstein, Switzerland, Aland Islands, Azores, Ceuta and Melilla, Gibraltar, Guadeloupe, Canary Islands, Madeira, Martinique, French Guinea, Reunion, Monaco, San Marino).

The fee is according to point 1.5 when the beneficiary’s IBAN is not indicated in the payment.

(4) The remitter pays the service fee of Swedbank and the beneficiary pays the service fees of all other banks.

(5) The remitter pays the service fees of Swedbank and foreign banks. If the beneficiary's bank's service fee exceeds the amount paid by the remitter for the beneficiary, the current account of the remitter shall be automatically debited with the corresponding difference of service fees. Additionally debited service fee can be 63,91€ at most.

(6) Incoming payment with a note ‘transfer charges paid by remitter’ is free of charge. The service fee for a non-customer is twice the established amount.

(7) Execution of an intra-bank standing order is 0,16 € regardless of the customers age.

(8) If an express payment is European payment then fee for the payment is according to an European urgent payment. (9) Free of charge upon entry into savings deposit contract.

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Cash operations

1. In euros

1.1 Cash deposit (excl. coins) in branch

- by an individual to their own account 0,25%, min 2,60 €

- to a minor’s account (1)

up to 100 € per calendar month – free of charge;

starting from 100 € per calendar month - 0.25% of the deposited amount that exceeds 100 €

- by an entity to their account _{0,25%, min 2,60 €}

- to another person’s account, which is located in the Swedbank (in case of coins, fee for

Pay-ment of coins to current account will be added) 0,25%, min 3,20 €

1.2 Upon payment of cash from a branch

- to a private or legal person 0.5%, min. 3 €

2. In a foreign currency

2.1 Fees of payment of cash to an account

- CZK, DKK, GBP, NOK, PLN, SEK, USD, RUB 1,5%, min 2,60 €

2.2 Fee of payment of cash to another person’s account, which is located in the Swedbank 1.5%, min 3,20 €

2.3 Fee of payment of cash from an account

- CZK, DKK, GBP, NOK, PLN, SEK, USD 1.5%, min 2,60 €

- RUB 4%, min 2,60 €

3. Purchase/sale of foreign currency in cash 2,60 € 4. Cash reservation

Reservation of large amounts of cash (2) free of charge

Fine in the event of cancelling a reservation (payable only upon exceeding the branch’s

reservation limit) 38 €

Payment of non-reserved large sums of cash, which exceed the reservation limit, on the same day

38 € + fee for payment of the respective currency

5. Processing cash

Payment of coins to current account (4) 2%, min 2,60 €

Payment of coins to a minor’s account (4, 6)

up to 100 € per calendar month – free of charge;

starting from 100 € per calendar month - 2% of the deposited amount that exceeds 100 €

Payment from account in coins (7) 2%, min 3 €

Exchange of coins for coins (4) 5%, min 2,60 €

Exchange of coins for notes (4) 5%, min 2,60 €

Exchange of notes for coins 5%, min 2,60 €

Exchange of notes for notes 0.5%, min 2,60 €

Replacement of a damaged EUR note (3) free of charge

Verification of a note 0,19 €/note

Entry by collecting (5) fee of foreign currency payment of cash to

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(1) The fee is charged on the amount that exceeds 100 € per calendar month and the cash is deposited in branch. The service fee is client-based on the basis of calculation is a calendar month.

(2) The size of the sum as of which cash needs to be reserved is 12 000 € (banknotes) and 500 € coins. The reservation application must be submitted to the bank not later than by 2.00 p.m. Upon reservation of foreign currencies you need to agree with the branch beforehand. Reservation over 50 000 euros is payed out on a banking day with service fee which agreed with bank beforehand. In one branch during 1 day maximum 500 euro coins are paid out, assumption that the branch has requested amount or nominal value of the coins.

(3) The bank does not accept or exchange damaged foreign currency notes. (4) The bank does not accept or exchange foreign currency coins.

(5) Foreign currency cashing payment to an account and/or from an account through the cash collecting offering company (fee according to point 2.1 and/or 2.3)

(6) The fee is charged on the amount that exceeds 100 € per calendar month and the coins are deposited in branch. The service fee is client-based on the basis of calculation is a calendar month.

(7) The bank does not sell foreign currency coins. .

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Cheques

In euros

- cashing a cheque by way of collection (1) actual costs of foreign banks + 1.5%, min 25 €

- cheques payed out in Swedbank 7 €

In a foreign currency

- cashing a cheque by way of collection (1, 2) actual costs of foreign banks + 1.5%, min 25 € - cashing AmEx and VISA traveller’s cheques by way of collection (2) actual costs of foreign banks + 1.5%, min 25 €

- sale of a bank cheque actual costs of foreign banks + 1.5%, min 15 €

- returning a bounced cheque actual costs of foreign banks + 15 €

Cash cheque processing fee for a legal person – non-customer 3,20 € (1) The incoming cheque sum may be smaller to the extent of the service fee charged by foreign banks.

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Debit cards

1. PRIVATE PERSON Effective as of 01.01.2016

1.1 Issuing the first debit card associated with an account (1) free of charge

1.2 Issuing an additional debit card associated with an account (1) according to price list

1.3 Renewal of a card (1) free of charge

1.4 Visa Electron debit card, Maestro debit card (2)

- issuing a card 2,50 €

- monthly fee of a card (3) 0,96 €

1.5 Debit card Plus

- monthly fee of a card 1,28 €

1.6 A temporary ATM card (valid for 1 month)

1.7 Student card (4)

1.8 ISIC MasterCard Student card

- replacement of a card 6,33 €

- renewal of the right to use the card (5) 6,33 €

- renewal of a card 6,33 €

1.9 Youth card

- monthly fee of a card for up to 19-year-olds free of charge

- monthly fee of a card for people aged 20-25 (6) 0,32 €

1.10 School card (7)

- monthly fee of a card free of charge

1.11 Senior card

1.12 MasterCard Private Banking (8)

1.13 MasterCard Private Banking Card (9)

GENERAL SERVICE AND TRANSACTION FEES

1. Cash deposit in euros in home bank’s terminal (10)

- up to 5000 € per calendar month free of charge;

- 0,25% of the deposited amount that exceeds 5000 € per month

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2. Cash withdrawal

2.1 from terminals of your home bank

- up to 2000 € per calendar month free of charge

- over 2000 € per calendar month 0.3% of the amount that exceeds 2000 €

2.2 from other bank’s terminals in Estonia and abroad 1 € + 2.5% of the amount 2.3 with debit cards issued by Swedbank from Swedbank Group ATMs in Latvia, Lithuania,

Sweden (11)

- up to 2000 € per calendar month free of charge

- over 2000 € per calendar month 0.3% of the amount that exceeds 2000 €

3. Balance inquiry and statement in Swedbank’s terminals in Estonia free of charge

4. Balance inquiry in other bank’s terminals in Estonia and abroad (12) 0,32€/query

5. Making payments in ATMs and payment terminals

- an intra-bank payment 0,16 € (free for clients aged 65 and more)

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- domestic payment 0,38 €

6. Payment in a commercial enterprise free of charge

7. Closure of a card free of charge

8. A copy of the receipt of a card transaction (inquiry)

- a transaction in Estonia 4 €

- a transaction abroad 8 €

9. Demand for refund, unjustified

- a transaction abroad

16 € (In case disputing card transaction made abroad, additional costs of the card organisations may apply)

10. Sending a card from one branch to another (14) 2,50 €

11. Sending a card by mail

- mail (Estonia) free of charge

12. Conversion fee for transactions in foreign currencies (15) 1% of transaction amount

13. Penalty for using a closed card 65 €

14. Using Visa or MasterCard assistance service abroad 0 to 130 €, depending on actual costs

15. Penalty 0.2% a day

2. LEGAL PERSONS Effective as of 19.10.2015

2.1 Issuing the first debit card associated with an account (16) free of charge

2.2 Issuing an additional card associated with an account (16) according to price list

2.3 Renewal of a card free of charge

2.4 Visa Business Debit (17)

- issuing a card 10 €

- replacement of a card 10 €

2.5 A temporary ATM card (valid for 1 month)

2.6 MasterCard Business Debit

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- monthly fee of a card 1,28 € - monthly fee of a card with the possibility of making cash deposits 0,32 €

2.7 Visa Business Electron (18)

- monthly fee of a card with the possibility of making cash deposits 0,32 €

2. Cash withdrawal (16)

- from terminals of your home bank 0,19 € + 0.3% of the amount

- from other bank’s terminals in Estonia 1,92 € + 2,5% of the amount

- abroad 1,92 € + 2.5% of the amount

- with debit cards issued by Swedbank from Swedbank Group ATMs in Latvia, Lithuania,

Sweden (11) 0,19 € 0.3% of the amount

3. Cash withdrawal with Visa Business Debit (17)

- from terminals of your home bank 1,92 € + 1% of the amount

- from other bank’s terminals in Estonia 1,92 € + 2,5% of the amount

- abroad 1,92 € + 2,5% of the amount

- with debit cards issued by Swedbank from Swedbank Group ATMs in Latvia, Lithuania,

Sweden (11) 1,92 € + 1% of the amount

5. Balance inquiry in other bank’s terminals in Estonia and abroad (12) 0,32€/query

6. Making payments in ATMs and payment terminals

- an intra-bank payment 0,16€

- domestic payment 0,38 €

8. Closure of a card free of charge

9. A copy of the receipt of a card transaction (inquiry)

16 € (In case disputing card transaction made abroad, additional costs of the card organisations may apply)

12. Conversion fee for transactions in foreign currencies (15) 1% of transaction amount

13. Penalty 0.2% a day

(1) Except ISIC MasterCard Student card

(2) Visa Electron card is not issued from 1st _{of June 2015.}

(3) The debit card fee is not applicable to the customers who as of 01.08.2011 were at least 60 years old. (4) Student cards were issued up to 21.08.2013.

(5) Renewal of the right to use the card will be done only for ISIC MasterCard Student cards with 2 year validity period. (6) From the age of 26 applies the Visa Electron or Maestro debit card monthly fee.

(7) School card is not isused from 1 st_{of July 2015.}

(8) MasterCard Private Banking card is not issued from 4 th of April 2013.

(9) MasterCard Private Banking Card is issued to the customers of Private Banking and Private Wealth Management. Issued from 5th of April 2013.

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(10) The fee is charged on the amount that exceeds 5 000 € per calendar month and the cash is deposited in home bank’s terminal. The service fee is client-based on the basis of calculation is a calendar month.

(11) ATM in Sweden is Bankomat.

(12) The availability of the service in a foreign country depends on the foreign bank's ATM technical possibilities and service can be used with MasterCard/Maestro cards.

(13) This also applies to clients who were at least 60 years old on 1 September 2015 and held a current account. (14) The price is inclusive of VAT at the rate of 20%.

(15) Added to the amount of every transaction made with the card if the card transaction is in a currency other than the euro. The conversion fee is not subject to a refund if the transaction is cancelled.

(16) Except Visa Business Debit

(17) Visa Business Debit card is issued to the non-resident legal persons registered outside the EU Member States and Norway ( including non-resident legal persons registered in Cyprus, Luxembourg, Malta and the United Kingdom).

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Credit cards

1. PRIVATE PERSON

1.1 Revolving credit card (2)

- monthly fee 1,30 €, free of charge for people up to 25

years of age

- monthly fee of an additional card 1,30 €

- annual interest rate 19 - 22%, the final interest rate depends on _{the client’s liabilities and solvency}

- penalty ECB interest rate + 8% a year (1) (currently

0.022% a day, 8.050% a year)

1.2 Gold Revolving credit card (3)

- monthly fee 3,70 €

0.022% a day, 8.050% a year)

- debt notice 3 €

1.3 Gold Charge card

- monthly fee of the primary card 5,11 €

0.022% a day, 8.050% a year)

- debt notice 3 €

1.4 Platinum Charge card

- annual fee of the primary card 127,82 €

- annual fee of an additional card 63,91 €

0.022% a day, 8.050% a year)

- debt notice 3 €

- the Priority Pass salon visit fee for a Platinum credit card holder 27 USD per visitor

1.5 Fixed payment credit card

0.022% per year, 8.050% a year)

- debt notice 3 €

1.6 American Express Platinum credit card (4)

- annual fee of the primary card 475 €

- annual fee of an additional card 320 €

- annual interest rate 14%

-penalty ECB interest rate + 8% a year (1) (currently

0.022% a day, 8.050% a year) - the Priority Pass salon visit fee for a cardholder free of charge

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1.7 American Express Gold credit card (5)

- monthly fee of of an additional card 7 €

- annual interest rate 16 - 19%

0.022% a day, 8.050% a year)

- the Priority Pass salon visit fee 27 USD per visitor

1.8 American Express Blue credit card (6)

- monthly fee of of an additional card 1,60 €

0.022% a day, 8.050% a year)

1. Card opening fee

- opening a card at branch 2,50 €

- opening a card in Internet Bank 1,50 €

4. Cash withdrawal 1,92 € + 2.5% of the amount

5. Replacement of a card 7 €

6. Statement of transactions

- in last month free of charge

- a previous month 4 € per month

7. Amendment of a credit card agreement (8, 12)

- increase of credit limit at branch 1% of the requested additional limit, min 10 €

- increasing of credit limit in the Internet Bank 3,20 €

- amendment of the agreement at branch 10 €

- amendment of the agreement in the Internet Bank free of charge

8. Closure of a credit card free of charge

10. Copy of a receipt (inquiry)

12. Balance inquiry in other bank’s terminals in Estonia and abroad (9) 0,32 € per query

16 € (In case disputing card transaction made abroad, additional costs of the card

organisations may apply)

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card abroad)

16. Sending a card by mail

- mail (Estonia) free of charge

17. Conversion fee for transactions in foreign currencies (11)

- VISA or MasterCard 1% of transaction amount

- American Express card 0.5% of transaction amount

18. Renewal of primary and additional card free of charge

2. LEGAL PERSONS Effective as of 19.10.2015

2.1 Charge card MasterCard Business

- annual fee 25 €

- penalty 0.2% a day

- debt notice 3 €

2.2 Charge card Visa Business Gold

- annual fee 120 €

- the Priority Pass salon visit fee 27 USD per visitor

- debt notice 3 €

2.3 Fixed Payment credit card Visa Business

- issue fee upon first application and renewal free of charge

- monthly fee 1,30 €

- annual interest rate 18%

2. Cash withdrawal 1,92 € + 2.5% of the amount

3. Replacement of a card 7 €

4. Statement of transactions

- in last month free of charge

- a previous month 4 € per month

5. Amendment of a credit card agreement

- increasing of the credit limit at branch 1% of the requested additional limit, min 10 €

- amendment of the agreement (12) 10 €

- amendment of the agreement in Internet Bank free of charge

6. Closure of a credit card free of charge

8. Copy of a receipt (inquiry)

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16 € (In case disputing card transaction made abroad, additional costs of the card

organisations may apply)

13. Using a Visa or MasterCard assistance service abroad (issue of a temporary credit

card abroad) 0 to 130 €, depending on actual costs 14. Conversion fee for transactions in foreign currencies (11) 1% of transaction amount

(1) The interest rate applicable to the main refinancing operations of the European Central Bank (the ECB interest rate). The ECB interest rate is published in the Ametlikud Teadaanded. The default interest rate may change twice a year (on January 1 and July 1) if the ECB interest rate has changed.

(2) When paying for goods or services with a private person’s revolving credit card, the transaction amount is subject to a 30- day interest-free period, after which the calculation of interest starts. When withdrawing cash, the calculation of interest starts at once.

(3) When paying for goods or services with a private person’s Gold revolving credit card, the transaction amount is subject to a 40-day interest-free period, after which the calculation of interest starts. When withdrawing cash, the calculation of interest starts at once.

(4) When paying for goods or services with the American Express Platinum credit card, the transaction amount is subject to an up to 50-day interest-free period (between the date of purchase and the payment date).

(5) When paying for goods or services with the American Express Gold credit card, the transaction amount is subject to an up to 40-day interest-free period (between the date of purchase and the payment date).

(6) When paying for goods or services with the American Express Blue credit card, the transaction amount is subject to an up to 40-day interest-free period (between the date of purchase and the payment date).

(7) Possible with fixed payment and with revolving credit cards. The fee is charged on the amount that exceeds 5 000 € per calendar month and the cash is deposited in home bank’s terminal. The service fee is client-based on the basis of calculation is a calendar month.

(8) If upon the renewal of a credit card on the basis of an application, the credit limit of the credit card is rounded by increasing or decreasing the credit limit up to 32 € (incl.), no fee for amending the credit limit shall be charged when increasing or decreasing the credit limit.

(9) The availability of the service in a foreign country depends on the foreign bank's ATM technical possibilities and service can be used with MasterCard/Maestro cards.

(10) The price is inclusive of VAT at the rate of 20%.

(11) Added to the amount of every transaction made with the card if the card transaction is in a currency other than the euro. The conversion fee is not subject to a refund if the transaction is cancelled.

(12) Excluding changing the user limits.

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Loan

PRIVATE PERSONS

1. Housing loan

1.1 Agreement fee up to 1% of the loan amount, no less than 190 €

- for loans with a repayment term of up to 12 months 1% of the loan amount, no less than 320 €

1.2 Amendment of the agreement 130 €

- loan principal repayment holiday, 60 €

- fee for break from repayment of principal amount of loan when entering into several

agreements at the same time 45 €

- amendment of the payment dates (in branch or in Internet Bank) 20 € - amendment of the servicing account (in branch or in Internet Bank) free of charge

1.3 Lowering the interest rate, formalisation of an additional sum up to 1% of the loan amount, no less than 190 €

1.4 Early repayment fee (partial repayment)

- in branch (2) the amount of 3 months' interest (not applied in

case of 3 months' advance notice)

- in Internet Bank (2) the amount of 1 month interest

1.5 Fee for processing arrears 3,20 €

1.6 Penalty ECB interest rate (1) + 8% a year (currently

0.022% a day, 8.050% a year)

2. Home equity loan

2.1 Agreement fee 1% of the loan amount, no less than 95 €

- for loans with a repayment term of up to 12 months 1% of the loan amount, no less than 320 €

2.2 Amendment of the agreement 130 €

- loan principal repayment holiday, amendment of the schedule type 60 € - fee for break from repayment of principal amount of loan when entering into several

agreements at the same time 45 €

- amendment of the payment dates (in branch or in Internet Bank) 20 € - amendment of the servicing account (in branch or in Internet Bank) free of charge

2.3 Lowering the interest rate up to 1% of the loan amount, no less than 190 € 2.4 Early repayment fee (partial repayment)

- in branch (2) the amount of 3 months' interest (not applied in

case of 3 months' advance notice)

- in Internet Bank (2) the amount of 1 month interest

2.5 Fee for processing arrears 3,20 €

2.6 Penalty ECB interest rate (1) + 8% a year (currently

0.022% a day, 8.050% a year)

3. Student loan

- first application (in the 2015/2016 academic year) free of charge

- first application via the Internet Bank free of charge

- refinancing 7 €

- amendment of the repayment schedule (frequency of repayment and amendment of

the due date of the schedule) 7 €

- preparation of a special schedule 16 €

- penalty ECB interest rate (1) + 8% a year (currently

(19)

- default interest after the due date of the loan (i.e. after termination of the agreement by the bank)

annual interest rate under the agreement

- compensation for prepayment of the loan amount or a part thereof (4, 5)

1% of the prepaid loan amount or the part thereof if the period between the prepayment date and the loan maturity date is longer than one year

0.5% of the prepaid loan amount or the part thereof if the period between the prepayment date and the loan maturity date does not exceed one year

4. Overdraft

- annual interest rate 15%-24%, final interest rate depends on the _{client’s solvency and liabilities and loan sum}

- agreement extension fee 1% of the limit, no less than 10 €

- fee for amendment of the interest rate in a branch 7 €

- limit reduction fee in a branch free of charge

- limit reduction fee in the Internet Bank free of charge

- amendment of the interest payment date free of charge

- termination of the agreement free of charge

0.022% a day, 8.050% a year) - default interest after the final date of use (i.e. after termination of the agreement by the

bank) annual interest rate under the agreement

5. Credit line

- annual interest rate 15%-24%, final interest rate depends on the _{client’s solvency and liabilities and loan sum} - entry into an agreement

in a branch 1,5% of the credit limit, no less than 45 €

in Internet Bank (i.e. there is an offer) 1,5% of the credit limit, no less than 35 €

- commitment fee 1,2% of the unused credit limit (annual rate)

- credit limit extension fee free of charge

- increasing the credit limit 1% of the additional credit limit, no less than 35 _€

- credit limit reduction fee free of charge

- amendment of the monthly payment day free of charge

- amendment of the servicing account free of charge

- early termination of the agreement free of charge

- re-registration of overdraft into a credit line free of charge

0.022% a day, 8.050% a year) - default interest after the end term of the agreement (i.e. after termination of the

agreement by the bank) annual interest rate under the agreement

6. Small loan

- annual interest rate 15%-24%, final interest rate depends on the

client’s solvency, liabilities and loan sum - entry into an agreement in a branch (one or two borrowers)

entry into an agreement 1,5%, no less than 45 €

entry into an agreement if there is small loan offer 1,5%, no less than 45 €

formalisation of an additional sum 1,5%, no less than 45 €

- entry into contract in Internet Bank (one or two borrowers)

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entry into an agreement if there is small loan offer 1,5%, no less than 35 €

formalisation of an additional sum 1,5%, no less than 35 €

- entry into an agreement of car small loan 1,5% of the limit, no less than 100 €

- car small loan amendment of the interest rate 50 €

- re-registration of loan products into a small loan 1,5%, no less than 35 € - amendment of the terms and conditions of the agreement: exchange of collateral,

amendment of the due date of the loan, formalisation of a repayment holiday 25 €

- amendment of the repayment date free of charge

- amendment of the servicing account free of charge

0.022% a day, 8.050% a year) - default interest after the due date of the loan (i.e. after termination of the agreement by

the bank) annual interest rate under the agreement

- compensation for prepayment of the loan amount or a part thereof (5)

1% of the prepaid loan amount or the part thereof if the period between the prepayment date and the loan maturity date fixed in the loan contract is longer than one year

0.5% of the prepaid loan amount or the part thereof if the period between the prepayment date and the loan maturity date fixed in the loan contract is up to one year (incl.)

7. Hire purchase

- annual interest rate 9,9%

- agreement fee 15,83 € (3)

- agreement fee for vehicle financing 54,17 € (3)

- amendment of the terms and conditions of the agreement: extension of the agreement,

reduction of the agreement, formalisation of a repayment holiday 15,83 € (3)

- a written notice on breach of the agreement 3 €

- partial prepayment of the agreement on the basis of a written application free of charge - early termination of the agreement on the basis of a written application free of charge

- fee for formalisation of a debt transfer 19,17 € (3)

0.022% a day, 8.050% a year)

8. Valuation of the collateral (6)

8.1 In Tallinn and Harju County

- valuation of apartment 120 €

- valuation of registered immovable with buildings, house, summer house, terraced

house 240 €

- intermediate valuation of property under construction 180 € 8.2 elsewhere in Estonia

- valuation of apartment 100 €

- valuation of registered immovable with buildings, house, summer house, terraced

house 190 €

- intermediate valuation of property under construction 150 €

LEGAL PERSONS Effective as of 01.05.2013

1. Investment loan

1.1 Application 1% of the loan amount, but no less than 195 €

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1.2 Additional application 1% of the additional sum, but no less than 195 € - Kredex Start-up loan 1% of the additional sum, but no less than 195 € 1.3 Additional application along with amendment of other terms and conditions of the

agreement

1% of the loan amount (loan balance + additional amount), but no less than 195 €

- Kredex Start-up loan 1% of the loan amount (loan balance + additional _{amount), but no less than 195 €} 1.4 Amendment of the terms and conditions of the agreement (except along with an

additional application) 1% of the loan amount, but no less than 195 €

- Kredex Start-up loan 1% of the loan amount, but no less than 195 €

1.5 Early loan repayment fee 3% of the amount repaid early

2. Working capital loan

- application 1% of the loan amount per year, but no less than _{195 €}

- additional application 1% of the loan amount per year, but no less than _{195 €}

- additional application along with amendment of other terms and conditions of the agreement

1% of the loan amount (loan balance + additional amount) per year, no less than 195 €

- amendment of the terms and conditions of the agreement (except along with an

additional application) 1% of the loan amount, but no less than 195 €

- early loan repayment fee 3% of the amount repaid early

3. Overdraft

- application 1% of the limit per year, but no less than 195 €

- additional application 1% of the additional limit, but no less than 195 €

- additional application along with amendment of other terms and conditions of the

agreement 1% of the total limit per year, but no less than 195 €

additional application) 1% of the limit, but no less than 195 €

- obligation fee 2% of the unused credit limit

4. Revolving credit line

- application 1% of the loan amount, no less than 195 €

- additional application 1% of the additional amount per year, but no less _{than 195 €} - additional application along with amendment of other terms and conditions of the

agreement

1% of the loan amount (loan balance + additional amount) per year, no less than 195 €

additional application) up to 1% of the loan amount, no less than 195 €

- obligation fee 2% of the unused limit per year

5. Apartment association loan

- application 1% of the loan amount, no less than 195 €

- additional application 1% of the additional amount, no less than 195 €

- additional application along with amendment of other terms and conditions of the agreement

1% of the loan amount (loan balance + additional amount), no less than 195 €

additional application) up to 1% of the loan amount, no less than 195 €

- amendment of payment dates of the loan repayment schedule or amendment of

the type of the schedule up to 1% of the loan amount, no less than 195 €

- early loan repayment fee 3% of the amount repaid early

(1) The interest rate applicable to the main refinancing operations of the European Central Bank (the ECB interest rate). The ECB interest rate is published in the Ametlikud Teadaanded. The default interest rate may change twice a year (on January 1 and July 1) if the ECB interest rate has changed.

(2) In the event of early repayment of a fixed-interest euro loan in the course of the period of fixation of the loan interest rate, an early repayment fee is charged as a difference between the contractual fixed interest rate of the euro and the fixed interest rate of the euro in the period from the

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early repayment until the end of the interest rate fixation. The early repayment fee is calculated on the respective period as from the date of early repayment until the contractual date of expiry of the fixation.

(3) VAT at the rate of 20% will be added to the price.

(4) If the collateral is property, the amount of the compensation may not be bigger than the amount the borrower would have paid as interest in the period between the prepayment date and the loan maturity date.

(5) Applies to the agreements concluded since 01.07.2011. (6) Bank will not issue valuation report.

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Factoring

1. Application up to 1% of the limit per year, but no _{less than 200 € (1)} 2. Amendment of other terms and conditions of the agreement

- approval of the amendment of the buyer and the buyer limit 65 € (1) - buyer credit insurance limit inquiry by request of the customer 65 € (1)

- prolongation of the limit up to 1% of the limit per year, but no _{less than 200 € (1)}

- increace of the limit up to 1% of the additional sum per year

- amendment of other terms and conditions of the agreement no less than 65 € (1)

3. Balance confirmation 10 € (1)

4. Factoring report issuing (earlier than previous month) 10 € month (1) (1) VAT at the rate of 20% will be added to the price.

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Leasing

Private persons

1. VEHICLE AND EQUIPMENT LEASING

- entry into a financial lease or hire purchase agreement (1) 1,5% of the price of the property, no less than _{200 €} - entry into a operational lease agreement (1) 1,5% of the price of the property, no less than _{200 €}

- entry into a full service lease agreement (2) 1,5% of the price of the property, no less than _{200 €} - entry into a vehicle management service contract agreement (2) 40 €

1.1 Amendment of the lease agreement

- changing the payment date (first change is free of charge) 30 € - restoration of the agreement, repayment holiday (along with extending the period

regarding the repayment holiday) 65 €

- payment of an additional payment and/or additional financing if accompanied by an

amendment of the lease agreement 160 €

- extension/reduction of the contract period (during the period or at the end of the

period) and/or amendment of the type of the contract 120 €

- reduction of the interest rate 1% of the outstanding amount, no less than 65 €

1.2 Amendment of the full service lease agreement

- restoration of the agreement, changing the payment date, repayment holiday (along with extending the period regarding the repayment holiday), amendment of the insurance conditions (2)

78 € - add services into a full service lease agreement free of charge - amendment or removal of the services of the full service lease agreement and of the

vehicle management service contract (2) 192 €

- payment of an additional payment and/or additional financing, extension of the

contract period (2) 192 €

1.3 Early termination of the lease agreement

- in the case of an operating lease, finance lease and hire-purchase sales agreement

if the agreement has been made before 01 July 2011 free of charge

If the termination of the agreement takes place within the first 9 months the interest until the end of the 9th_month - in the case of operating lease if the agreement has been made after 01 July 2011 free of charge

If the termination of the agreement takes place within the first 9 months the interest until the end of the 9th_month

- in the case of a fixed interest operating lease and hire-purchase sales agreement if the agreement has been made after 01 July 2011

1% of the sum of unpaid instalments if the agreement term expires in 1 year or later; 0.5% of the sum of unpaid instalments if the agreement term expires in less than 1 year - in the case of a Libor/Euribor operating lease and hire-purchase sales agreement if

the agreement has been made after 01 July 2011 free of charge (interest for the period used)

- in case of sale at higher price 65 €

1.4 Early termination of the full service lease agreement free of charge - if the termination of the full service lease agreement or of the vehicle management

service contract takes place within the first 9 months the interest until the end of the 9 th

month

1.5 Penalty ECB interest rate (3) + 8% (currently 0.022% a

day, 8.050% a year)

1.6 Additional services included in the monthly payment Fuel card fee (except full service lease agreement and vehicle management service

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contract)

monthly fee of a card with a limit of 100 € 1€/month

monthly fee of a card with a limit of 200 – 250 € 2,60 €/month monthly fee of a card with a limit of 300 – 350 € 3 €/month monthly fee of a card with a limit of 400 – 600 € 5 €/month

monthly fee of a card with a limit of 700 € 6 €/month

monthly fee of a card with a limit of 1,000 € 7,70 €/month monthly fee of a card with a limit of 2,000 € 10 €/month monthly fee of a card with a limit of 3,000 € 12 €/month monthly fee of a card with a limit of 5,000 € 15 €/month monthly fee of a card with a limit of 7,000 € 17 €/month

1.7 Full service lease additional services inclused in the monthly payment

- fuel card/additional fuel card fee (2) 5 €/month

- international fuel card fee (2) 5 €/month

1.8 Additional services as a one-off service

- one-time transfer service (2) 100 €

- transport of tyres to a tyre hotel within the territory of the same city (2) 38 €

- 24-hour emergency assistance service (2) 85 €

- Registration operations at Maanteeamet. Performed by lessor's employee(expenses

of Maanteeamet are added) (2) 39 €

1.9 Other services

- preparation and sending of penalty invoices (2) 6,40 €

- penalty for failure to submit insurance when due up to 10% of the residual cost of property - power of attorney of giving property to sublessee (2) 19,20 €

- an unattested power of attorney (e.g. using the vehicle, ordering a duplicate to an existing registration certificate, exchange of the license plate, amendment of the user data, etc.) (2)

6,40 € - formalization of Road Administration e-service transaction (2) 3,20 € - notarised power of attorney of the vehicle (e.g. using the vehicle) (within 4 working

days) (2) 73,50 €

- release of the additional collateral (suretyship, guarantee) (2) 95 € - payment of the costs of removing the vehicle (added to the direct costs of removing

the vehicle) (2) 31 €

- preparation of certificate (2) 6,40 €

- sending a notice on breach and cancellation of the agreement (2) 6,40 €

- sending an extract of the fuel card (2) 3,20 €

- fee for replacement of the fuel card during the lease term due to the customer's fault

(2) 3,20 €

- re-formalisation of an invoice 38,35 €

- balance confirmations issued by leaser 9 € (free of charge on the customer’s form) - balance comparison notices issued by leaser (2) 19 €

- entry into a debt agreement 1% of the outstanding amount, but no less than _{159,80 €} - contractual penalty for delays in the timely return of the vehicle 50 €/ day

- document processing fee (2) 31,95 €, but no less than 6,40 €

- vehicle valuation service (incl. passenger cars, caravan cars, motorcycles and ATVs)

(2) 50 €

- water craft valuation service (incl. launches, motorboats, yachts and sailing vessels)

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- truck, trailer, heavy machinery valuation service (incl. excavators, tractors, loaders,

hoists, combine harvesters and couplings) (2) 80 €

- forestry machinery and equipment valuation service (incl. harvesters, forwarders, manufacturing equipment and machine tools) (2) 130 € - provision of valuation services on site outside of Tallinn (water craft, trucks, trailers, heavy machinery, forestry machinery and equipment) (2)

valuation service fee + 20 €

Legal persons

2. VEHICLE AND EQUIPMENT LEASING Effective as of 01.08.2015

- entry into a financial lease or hire purchase agreement (1) 1% of the price of the property, no less than 200 _€

- entry into a financial lease agreement (1) 1.5% of the price of the property, no less than _{200 €}

- entry into a full service lease agreement (2) 1.5% of the price of the property, no less than _{200 €} - entry into a vehicle management service contract agreement (2) 40 €

2.1 Amendment of the lease agreement

- changing the payment date (first change is free of charge) 30 € - restoration of the agreement, repayment holiday (along with extending the period

regarding the repayment holiday) 65 €

- payment of an additional payment and/or additional financing 160 € - extension/reduction of the contract period (during the period or at the end of the

period) and/or amendment of the type of the contract 160 €

- lowering the interest rate 1% of the outstanding amount, no less than 65 €

2.2 Amendment of the full service lease agreement

- restoration of the agreement, changing the payment date, repayment holiday (along with extending the period regarding the repayment holiday), amendment of the insurance conditions (2)

78 € - add services into a full service lease agreement free of charge - amendment or removal of the services of the full service lease agreement and of the

vehicle management service contract (2) 192 €

- payment of an additional payment and/or additional financing, extension of the

contract period (2) 192 €

2.3 Early termination of the lease contract

- fixed-rate agreement the interest sum of up to 6 months following

termination

- agreement pegged to LIBOR/EURIBOR the interest sum of up to 3 months following termination

- withdrawal from contract at the initiative of the lessee the contract fee

2.4 Early termination of the full service lease agreement

- full service lease agreement the full service lease payment sum of up to 1 month following termination

- vehicle management service contract the service payment sum of up to 1 month following termination

2.5 Penalty 0.25% a day

2.6 Additional services included in the monthly payment Fuel card fee (except full service lease agreement and vehicle management service

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contract)

monthly fee of a card with a limit of 200 – 250 € 2,60 €/month monthly fee of a card with a limit of 300 – 350 € 3 €/month monthly fee of a card with a limit of 400 – 600 € 5 €/month

monthly fee of a card with a limit of 1,000 € 7,70 €/month monthly fee of a card with a limit of 2,000 € 10 €/month monthly fee of a card with a limit of 3,000 € 12 €/month monthly fee of a card with a limit of 5,000 € 15 €/month monthly fee of a card with a limit of 7,000 € 17 €/month

2.7 Full service lease additional services inclused in the monthly payment

- fuel card/additional fuel card fee (2) 5 €/month

- international fuel card fee (2) 5 €/month

2.8 Additional services as a one-off service

- one-time transfer service (2) 100 €

- transport of tyres to a tyre hotel within the territory of the same city (2) 38 €

- 24-hour emergency assistance service (2) 85 €

- registration operations at Maanteeamet. Performed by lessor's employee(expenses

of Maanteeamet are added) (2) 39 €

2.9 Other services - preparation and sending of penalty invoices (2) 6,40 €

-penalty for failure to submit insurance when due up to 10% of the residual cost of property - power of attorney of giving property to sublessee (2) 19,20 €

- an unattested power of attorney (e.g. using the vehicle, ordering a duplicate to an existing registration certificate, exchange of the license plate, amendment of the user data, etc.) (2)

6,40 € - formalization of Road Administration e-service transaction (2) 3,20 € - notarised power of attorney of the vehicle (e.g. using the vehicle, ordering a duplicate

in the case of losing the registration certificate) (within 4 working days) (2) 73,50 € - release of the additional collateral (suretyship, guarantee) 95 € - payment of the costs of removing the vehicle (added to the direct costs of removing

the vehicle) (2) 31 €

- preparation of certificate (2) 6,40 €

- sending a notice on breach and cancellation of the agreement (2) 6,40 €

- sending an extract of the fuel card (2) 3,20 €

- fee for replacement of the fuel card during the lease term due to the customer’s fault

(2) 3,20 €

- re-formalisation of an invoice 38,35 €

- balance confirmations issued by leaser 9 €, free of charge on the customer’s form - balance comparison notices issued by leaser (2) 19 €

- entry into a debt agreement 1% of the outstanding amount, but no less than _{159,80 €} - contractual penalty for delays in the timely return of the vehicle 50 €/day

- document processing fee (2) 31,95 € , but no less than 6,40 €

- vehicle valuation service (incl. passenger cars, caravan cars, motorcycles and ATVs)

(2) 50 €

- water craft valuation service (incl. launches, motorboats, yachts and sailing vessels)

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- truck, trailer, heavy machinery valuation service (incl. excavators, tractors, loaders,

hoists, combine harvesters and couplings) (2) 80 €

- forestry machinery and equipment valuation service (incl. harvesters, forwarders,

manufacturing equipment and machine tools) (2) 130 € - provision of valuation services on site outside of Tallinn (water craft, trucks, trailers,

heavy machinery, forestry machinery and equipment) (2)

valuation service fee + 20 €

2.10 Small leasing of equipment

- agreement amendment fee 65 €

- fee for re-formalisation of the contract to another person (debt transfer agreement) 65 €

- early termination fee the interest sum of up to 6 months following

termination (1) No agreement fee is charged upon using the financing of the Rural Development Foundation. (2) The price is inclusive of VAT at the rate of 20%.

(3) The interest rate applicable to the main refinancing operations of the European Central Bank (the ECB interest rate).

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Transactions in securities

01.01.2015

Private persons

 For further details on amounts payable or paid please contact the Bank.

 If the Bank is obliged to pay taxes, fees, interest, penalties or incur other similar costs as a result of the administration of the Client’s Securities Account or the Securities Transactions that are not included in the Bank’s price list, the Bank shall have the right to debit said amounts from the Client’s Current Account in the extent of said amounts without the consent of the Client.

 For further information on Securities Transactions made available to non-Clients please contact the Bank. Securities Transactions of non-Clients are subject to double fees.

1. Account Opening (1) - Securities account

Branch office 4 €

Internet bank Free of charge

- Brokerage account Free of charge

- Joint securities account 63,91 €

- Savings account Not possible

2. Account Closing (1) - Securities account

Free of charge - Brokerage account

- Joint securities account - Savings account 3. Account Transfer (1) (2)

- Securities account balance transfer with ECSD registered

securities from another account administrator Free of charge

- Securities account balance transfer with ECSD registered

securities to another account administrator _{19,17 €}

- Bank internal securities account balance transfer (3) (4)

4. Trading: Orders through Bank Channels (5) (6)

Securities Account Brokerage Account (Only Internet Bank)

Country Stock Exchange Trading Fee Minimum

Transaction Fee Trading Fee

Minimum Transaction Fee

Estonia OMX Tallinn 0.20% 3,20 € 0.10% 3,20 €

Latvia OMX Riga 0.20% 3,20 € 0.10% 3,20 €

Lithuania OMX Vilnius 0.20% 3,20 € 0.10% 3,20 €

Sweden OMX Stockholm 0.20% 18,85 € 0.15% 14,06 €

Finland OMX Helsinki 0.20% 18,85 € 0.15% 14,06 €

Denmark OMX Copenhagen 0.20% 18,85 € 0.15% 14,06 €

Norway Oslo SE 0.20% 18,85 € 0.15% 14,06 € USA NYSE 0.20% 18,85 € 0.15% 14,06 € NASDAQ 0.20% 18,85 € 0.15% 14,06 € OTC 0.20% 18,85 € 0.15% 14,06 € Canada Toronto SE 0.20% 18,85 € 0.15% 14,06 € Germany Xetra 0.20% 18,85 € 0.15% 14,06 €

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Securities Account Brokerage Account (Only Internet Bank)

Country Stock Exchange Trading Fee Minimum _{Transaction Fee} Trading Fee Minimum _{Transaction Fee}

The Netherlands Euronext Amsterdam 0.20% 18,85 € 0.15% 14,06 €

France Euronext Paris 0.20% 18,85 € 0.15% 14,06 €

Portugal Euronext Lisbon 0.20% 18,85 € 0.15% 14,06 €

Belgium Euronext Brussels 0.20% 18,85 € 0.15% 14,06 €

Spain Madrid SE 0.20% 18,85 € 0.15% 14,06 €

UK (7)

London SE 0.20% 18,85 € 0.15% 14,06 €

London International

(Russian and other GDRs) 0.20%

18,85 €

0.15% 14,06 €

Ireland (7) Dublin SE 0.20% 18,85 € 0.15% 14,06 €

Switzerland SIX Swiss SE 0.20% 18,85 € 0.15% 14,06 €

Austria Vienna SE 0.25% 18,85 € 0.20% 14,06 €

Hungary Budapest SE 0.25% 18,85 € 0.20% 14,06 €

Czech Prague SE 0.25% 18,85 € 0.20% 14,06 €

Poland Warsaw SE 0.25% 18,85 € 0.20% 14,06 €

Russia Micex-RTS 0.30% 50,81 € 0.30% 50,81 €

5. Trading: Orders Through Bank Brokerage (5) (8) (9)

Country Stock Exchange Trading Fee Minimum Trading Fee

Estonia OMX Tallinn 0.20% 6,39 €

Latvia OMX Riga 0.20% 14,00 €

Lithuania OMX Vilnius 0.20% 14,00 €

Sweden OMX Stockholm 0.20% 250,00 SEK

Finland OMX Helsinki 0.20% 25,00 €

Denmark OMX Copenhagen 0.20% 200,00 DKK

Norway Oslo SE 0.20% 200,00 NOK

USA

NYSE 0.20% 25,00 USD

NASDAQ 0.20% 25,00 USD

OTC 0.20% 25,00 USD

Canada Toronto SE 0.20% 25,00 CAD

Germany Xetra 0.20% 25,00 €

Italy Borsa Italiana 0.20% 25,00 €

The Netherlands Euronext Amsterdam 0.20% 25,00 €

France Euronext Paris 0.20% 25,00 €

Portugal Euronext Lisbon 0.20% 25,00 €

Belgium Euronext Brussels 0.20% 25,00 €

Spain Madrid SE 0.20% 25,00 €

UK (7)

London SE 0.20% 25,00 GBP

London International (Russian and other

GDRs) 0.20% 25,00 USD

Ireland (7) Dublin SE 0.20% 25,00 €

Switzerland SIX Swiss SE 0.20% 35,00 CHF

Austria Vienna SE 0.25% 25,00 €

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Country Stock Exchange Trading Fee Minimum Trading Fee

Czech Prague SE 0.25% 650,00 CZK

Poland Warsaw SE 0.25% 100,00 PLN

Russia Micex-RTS 0.30% 150,00 USD

Bulgaria Sofia SE 0.60%+150,00 BGN 150,00 BGN

Slovakia Bratislava SE 0.70% 75,00 €

Slovenia Ljubljana SE 0.70% 75,00 €

Croatia Zagreb SE 0.75% 550,00 HRK

Romania Bucharest SE 0.85% 325,00 RON

Serbia Belgrade SE 0.80% 7500,00 RSD

Turkey ISE 0.25% 150,00 TRY

6. Transactions in Estonian Securities

- Delivery/ receipt of securities without payment against defined

counterparty (10) 4,79 €

On brokerage account 6,39 €

- Delivery/ receipt of securities against payment against defined

counterparty 3,20 €

- Confirmation of stock exchange transaction 3,20 €

- Registering/ changing a pledge (11) 8,00 €

- Transaction with pledged securities (12) 19,17 €

- Swedbank interest bond

Subscription 3,20 €

Pre-mature redemption 3,20 €

Redemption Free of charge

- Subscription to a new issue 3,20 €

- Participating in an offer 3,20 €

- Based on enforcement instruments Transaction fee

- Securities transaction cancellation (13) Transaction fee

7. Transactions in Foreign Securities

- Bank internal securities transaction (10) 6,39 €

- Bank external securities transaction, settlement on according local market

Latvian, Lithuanian securities 19,17 €

Finnish, Swedish, Norwegian, Danish securities 31,96 €

Other securities (7) 19,17 €

- Subscription to a new issue 9,59 € + actual costs

- Participating in an offer 9,59 € + actual costs

- Based on enforcement instruments Transaction fee

- Securities transaction cancellation (13) Transaction fee

8. Transactions in Estonian Fund Units (14) - Subscription

With fund order 1,28 €

With standing order 0,64 €

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- Redemption

With fund order 1,28 €

With non-fund order 4,79 €

Based on enforcement instruments 6,39 €

- Switch 4,79 €

- Transaction without payment against defined counterparty 4,79 €

- Transaction with payment against defined counterparty 3,20 €

- Transactions with voluntary pension fund units

3,20 € Transfer (2)

Redemption

Redemption application with entry into an additional funded pension insurance agreement (16)

Transfer of inhereted units to inheritor securities account Redemption of inhereted voluntary pension fund units

- Securities transaction cancellation Transaction fee

9. Transactions in Foreign Fund Units (14) (17) (18)

- Subscription 1.00% + 6,39 €

Foreign bond fund 0.50% + 6,39 €

Within fund portfolio 1.00% + 0,64 €

With standing order 0,64 €

- Redemption 1.00% + 6,39 €

Foreign bond fund 0.00% + 6,39 €

On savings account 0.00% + 6,39 €

Based on enforcement instruments Transaction fee

- Switch 12,78 €

- Transaction without payment against defined counterparty 6,39 €

- Transaction with payment against defined counterparty 6,39 €

- Securities transaction cancellation Transaction fee

10. Monthly Securities Account Maintenance Fees (per Country) (19) (20)

Country Maintenance Fee Minimum Maintenance Fee

- Brokerage account 0.012% 3,20 € - Savings account 0.025% 1,28 € - Estonia (21) Up to 6391 € 0,64 € 0,64 € From 6392 € to 63912 € 3,20 € 3,20 € Over 63912 € 4,79 € 4,79 € - Latvia (21) 0.01% 1,60 € - Lithuania (21) 0.003% 0,64 €

- Finland, Sweden, Norway, Denmark 0.01% 0,96 €

- CEE, CIS countries 0.05% 1,28 €

- Poland, Czech, Hungary 0.025% 1,28 €

- Russia 0.06% 31,96 €

- Russian Banks 0.40% 31,96 €