Standard Fees, Commissions and Interest rates charged by Bancpost

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Standard Fees, Commissions and Interest rates

charged by Bancpost

Accounts and Operations

BUSINESSES LARGE COMPANIES,

GLOBAL CORPORATIONS AND MEDIUM ENTERPRISES

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OPENING, MAINTENANCE AND INTEREST RATE FOR CURRENT/SAVING/SPECIAL ACCOUNTS

ITEM Commission value - RON Commission value – Foreign currency

Accounts opening

Current account opening 10 RON 10 RON1

Accounts maintenance

Activ current account maintenance 2 20 Ron / month / account 3 20 Ron / month / account 4

Inactiv current account maintenance 5 (without movement for minimum one calendaristic month) Max. 25 Ron / month / account 6 Max. 25 Ron / month / account 7 Dormant current account maintenance (without debit transactions for 6 consecutive months) Max. 25 Ron / month / account 6 Max. 25 Ron / month / account 7 Accounts closing

Current account closing 5 RON/ account 5 RON/ account 1

Capital account closing 20 RON/ account -

Interest rate for current account

Interest paid on current account balance 0% 0%

Special accounts

Opening account for performance bank guarantee 150 RON/ account 8

Maintenance account for performance bank guarantee Free

Closing account for performance bank guarantee Free

Opening Escrow account 0,05 % – 2%, minim 250 EUR9

Maintenance Escrow account Free

Closing Escrow account Free

Opening of collateral accounts for administrators Free -

Maintenance of collateral accounts for administrators Free -

1

Or the equivalent in the account currency, at NBR exchange rate;

2

In case of accounts derived from card accounts opened before 22.01.2010, to which VISA Electron and MasterCard Standard debit cards are attached, the commission is 1,50 RON/month; the commission is charged regardless of the account available balance (it may cause unauthorized overdraft);

3

The commission is charged regardless of the account available balance (it may cause unauthorized overdraft);

4

Or the equivalent in the account currency, at NBR exchange rate; the commission is charged regardless of the account available balance (it may cause unauthorized overdraft);

5

In case of accounts derived from card accounts opened before 22.01.2010, to which VISA Electron and MasterCard Standard debit cards are attached, the commission is max. 10 RON/month, within the account available balance;

6

Within the account available balance;

7

Or the equivalent in the account currency, at NBR exchange rate, within the account available balance;

8

Charged on opening account;

9

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Closing of collateral accounts for administrators Free -

Account statements

Issuing of account statement for the calendar month ended Free Free

Issuing of account statement, at the counter, (maximum 12 calendaristic months prior to the request date) 2 RON/ account / month 2 RON/ account / month 10 Issuing of account statement, at the counter, for the other period than the maximum 12 calendaristic months prior to

the request date 0,50 RON/page 0,50 RON/page

10

Issuing and sending of account statement, through post, in Romania

1 RON/ statement / account

0,30 EUR; 0,50 USD; 0,50 CHF; 0,50 CAD; 2,50 SEK; 0,50 GBP; 2 NOK; 0,50 JPY; 0,50 AUD; 2 DKK; 1 HUF/ statement / account

Issuing and sending of account statement, through SWIFT 150 RON/ month 10

Commissions for issuing and sending of account statements for accounts derived from card accounts opened until 22.01.2010, to which VISA Electron and MasterCard Standard debit cards are attached

Issuing of account statement for the last ended calendaristic month Free -

Issuing of account statements for months previous to the last ended calendaristic month, maximum 12 months - account with VISA Electron debit card

- account with MasterCard Standard debit card

Free 0,50 RON/page

-

Sending of account statement through post, in Romania 1 RON/ statement / account -

Sending of account statement through post, by simple letter, outside Romania 5 RON/ statement / account -

Modifying of authorized signatures (adding, withdrawal, total change etc.) 5 RON10

10

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CASH OPERATIONS

ITEM Commission value – RON Commission value – Foreign

currency

Cash deposit in banknotes (including from international postal money orders) Free

Cash deposit in metallic coins 3% -

Cash withdrawal in banknotes and/or metallic coins 11 0,60%, minim 10 RON 0,50%, minim 2 EUR12

Exchanging of used or damaged banknotes for new banknotes (RON) 3% -

Exchanging cash in small denominations for large denominations 3% -

Exchanging cash in metallic coins for banknotes 5% -

Commission for cash collection from customer premises upon request

Handling, processing and mobilization by the Bank of cash availabilities in view of latter’s transport, in sealed bags (from bank’s

territorial unit to the clients premise/premises) commission upon request

Client non-presentation commission, at the Bank’s counters, for withdrawal in view of handling, processing and mobilization by the Bank of Corporate Client’s cash availabilities for latter’s transport, in sealed bags (from bank’s territorial unit to the clients

premise/premises)

150 Ron

Programmed and non-collected amount in view of handling, processing and mobilization by the Bank of Corporate Client’s cash

availabilities for latter’s transport, in sealed bags (from bank’s territorial unit to the clients premise/premises) 3% applied to the amount programmed

NON-CASH OPERATIONS IN RON – INTRABANKING (BANCPOST – BANCPOST TRANSFERS)

ITEM Commission value

Incomings

- through payment order Free

- through Direct Debit 1 RON / operation

Payments

- through payment order 3 RON / operation

- through Fastbanking Free

- through Direct Debit Free

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According to General Business Conditions, cash withdrawals made by customers, exceeding amounts in the national currency of more than RON 20,000 or in the foreign currency of more than 5.000 EUR or the equivalent at the NBR exchange rate available for the day when the withdrawal is announced, shall be communicated by the customer in advance, at least two working days prior to the payment date, by filling in the form “Request for high value cash withdrawal”, available at the counter;

12

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Standing Order

- over the counter 6 RON/ operation 13

- through Fastbanking Free

Utility payments (through “Plati utile” module/Fastbanking) Free

NON-CASH OPERATIONS IN RON - INTERBANKING (BANCPOST – OTHER BANKS FROM ROMANIA OR ABROAD) (WITHOUT

NBR/TRANSFOND COMMISSIONS)

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DENUMIRE Valoare comision

Incomings*

- up to 499,99 RON 3,50 RON / operation

- 500 - 49.999,99 RON 6,00 RON / operation

- starting with 50.000 RON 22,50 RON / operation

* Incomings (for accounts derived from card accounts opened before 22.01.2010, to which Maestro and VISA Electron debit cards are attached)

- up to 50.000 RON 1,10 RON / operation

- starting with 50.001 RON 15 RON / operation

* Incomings (for accounts derived from card accounts opened before 22.01.2010, to which MasterCard debit cards are attached) 2 RON / operation

Incomings through Direct Debit 1 RON / operation

Payments

13

Or the equivalent in EUR, USD;

14

NBR / TransFonD commissions are shown in the account statement together with Bancpost commission. The value of these commissions is established unilaterally by NBR/ TransFonD:

Small value payment operations (< 50.000 RON) (payed by the payer) 0,51 RON

High value payment operations (>= 50.000 RON) (payed by the payer) 6,00 RON

Incoming operations (payed by the beneficiary) 0 RON

Payment operations through interbanking Direct Debit (payed by the payer) 0

Incoming operations through interbanking Direct Debit (payed by the beneficiary) 0,51 RON

Payment operations through debit instruments (cheque, promissory note, bill of exchange) – electronically processed (payed by the payer) 0 Payment operations through debit instruments (cheque, promissory note, bill of exchange) - electronically processed (payed by the beneficiary) 0,88 RON

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Payments through payment orders

- up to 49.999,99 RON 9 RON / operation

Urgent payments through payment orders 17 RON / operation

Payments through payment orders for garnishments (without NBR/TransFonD commission)

- up to 49.999,99 RON 15 RON / operation

Payments through Fastbanking

- up to 49.999,99 RON 4,50 RON / operation

Urgent payments through Fastbanking 12 RON / operation

Payments through Direct Debit

- up to 49.999,99 RON 3,50 RON/operation

- starting with 50.000 RON 10 RON/operation

Standing Order through Fastbanking

- up to 49.999,99 RON 3,50 RON/operation

- starting with 50.000 RON 10 RON/operation

- urgent 10 RON/operation

Commission for Payments Incidences Register 15 RON/instrument

Cheques, promissory notes, bills of exchange

Cheques and promissory notes submitted for payment (debit instruments in new format)

- up to 49.999,99 RON 6 RON/operation

- starting with 50.000 RON 15 RON/ operation

Cheques and promissory notes submitted for payment (manually processed debit instruments in old format) 20 RON/ operation Cheques and promissory notes sent to collection (debit instruments in new format)

- up to 499,99 RON 3,50 RON/instrument

- 500 - 49.999,99 RON 6 RON/instrument

- starting with 50.000 RON 22,50 RON/instrument

Cheques and promissory notes sent to collection (manually processed debit instruments in old format) 30 RON/operation

Selling of bills of exchange / promissory notes / cheques 0,50 RON/sheet

Commission for intrabanking payments with debit instruments 5 RON

Issuing of duplicates for non-cash payments documents, based on clients’ request 2 RON/page

Treasury bills operations in RON:

Participation on primary market (it is retained only if the bid is awarded) 0,10%, maxim 50 RON

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NON-CASH OPERATIONS IN FOREIGN CURRENCY

Incomings

- in favour of Bancpost clients (commission paid by the beneficiary) Free

- in favour of Bancpost clients (commission paid by the payer) 0,10%, min. 30 EUR, max. 200 EUR

- ordered by and/or in favour of other banks’ clients, from Romania or abroad 0,20%, min. 20 EUR, max. 200 EUR

- through Eurogiro, ordered by and/or in favour of other banks’ clients, from Romania or abroad 0,15%, min. 10 EUR, max. 200 EUR Investigations initiated by the customer or banks on the settlement flow

- for instructions < 6 months 25 EUR

- for instructions > 6 months 50 EUR

Payments

Intrabanking payments (paper based) 10 EUR

Intrabanking payments through Fastbanking

- between the same client’s accounts, opened to Bancpost Free

- between Bancpost’ clients Free

Interbanking payments in favour of other banks’ clients, from Romania or abroad • Bancpost commission

• Swift charges

• Correspondent banks commissions (in case of payments with OUR option)

In case of payments with OUR option, depending on the payment currency, the correspondent banks commissions 15 are: 20 EUR for EUR payments, 20 USD for USD payments or equivalent of 20 EUR for the other currencies

0,25%, minim 25 EUR maxim 1.000 EUR 10 EUR

-within EUROBANK Group (Greece: Eurobank Ergasias AE): Payments with OUR option are supplementary charged with 5 EUR or 7 USD or: SEK=70; NOK=120; GBP=7; DKK=60; CHF=15; HUF=1.700; JPY=3.000 for payments <= 200.000.000 and 10.000 for payments over 200.000.000; CAD=20; CZK: 0,15%, min. 500, max. 4000.

- within EUROBANK Group (Bulgaria: Eurobank Bulgaria AD, Serbia: Eurobank AD Beograd, Cipru: Eurobank Cyprus Ltd., UK: Eurobank Private Bank Luxemburg SA, Luxemburg: Eurobank Private Bank Luxemburg SA, Ucraina: Public Joint-Stock Company Commercial Bank EUROBANK):Payments with OUR option are supplementary charged with 20 EUR for EUR payments, 20 USD for USD payments or equivalent of 20 EUR for the other currencies; for payments with OUR option in other currencies except EUR and USD, customer’s account will also be debited with the fees charged by the banks on the settlement flow, if the case.

20 EUR

Urgent payments based on client’s request (same value date (T) or T+1) 35 EUR + payments commission in favour of other banks’ clients, from Romania or abroad

Urgent payments based on client’s request (after cut of time) Urgent payments commission + max. 100 EUR/

transaction (negotiable)

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Cancellation 25 EUR

Modifying of orders issued by Bancpost clients (amount, beneficiary’s account, beneficiary’s name, order cancellation, etc.) and investigations Initiated by the customer or banks on the settlement flow

25 EUR/ operation + commissions and fees of the correspondent Banks on the settlement flow ( about 30 EUR/Bank)

Investigations Initiated by the customer or banks on the settlement flow /Amendments/Cancellations (in case of received and issued payment orders)

90 RON/ transaction + commissions and fees of the correspondent Banks on the settlement flow( about 100 RON/ Bank)

Issuing of duplicates for non-cash payments documents, based on clients’ request 2 EUR

Decoding commission 5 EUR

Cheques

Banking cheques (payments) 0,75%, min. 7 EUR

Charges for cheque remittance 15 EUR

INCASSO, LETTERS OF CREDIT, LETTERS OF GUARANTEE AND CONDITIONING PAYMENT ORDERS

16

, RECEIVED – ISSUED

Incasso

Endorsement/Remittance for collection – clean collection 0,2%, minim 20 EUR, maxim 200 EUR17

Endorsement/ Remittance for collection – documentary collection 0,2%, minim 30 EUR, maxim 500 EUR17

Endorsement/ Remittance for acceptance - clean collection 0,2%, minim 25 EUR, maxim 500 EUR17

Endorsement/ Remittance for acceptance - documentary collection 0,25%, minim 50 EUR, maxim 1.000 EUR17

Remittance of documents “free of payments” 25 EUR17

Payment (within incasso) 0,2%, minim 25 EUR, maxim 500 EUR17

Amendment 25 EUR17

Documents returned not accepted/not paid 25 EUR17

Protest 100 EUR17

Fee for keeping in custody documents and bank drafts 100 EUR17

Correspondence regarding instructions payment/collection/clarification 25 EUR17

Release of goods sent on bank’s address (supplementary to other charged commissions) 0,1%, minim 50 EUR17

Letter of credits – Import

Pre-advising 25 EUR17

Opening/value increasing/extend validity 0,2%, minim 75 EUR17 per quarter or fraction of a

16

Not including NBR/TransFonD commissions; the value of these commissions is established unilaterally by NBR/TransFonD;

17

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quarter

Payment 0,2%, minim 100 EUR17

Acceptance commitment/deffered payment 0,2%, minim 75 EUR

17

per quarter or fraction of a quarter

Amendment 25 EUR17

Discrepancies 75 EUR pe set documente

Cancellation/unusage 30 EUR17

Investigations/Correspondence 25 EUR17

Letter of credits – Export

Pre-advising 25 EUR19

Advising 0,1%, minim 50 EUR19

Handling of documents 18 0,15%, minim 100 EUR, maxim 2.000 EUR19

Fee for complexity 0,05%, minim 50 EUR19

Transfer of letter of credit 0,20%, minim 100 EUR19

Amendment advising 25 EUR19

Confirmation Negotiable, but not less than 0,25%, minim 100

EUR19 per quarter or fraction of a quarter

L/C’s assignment 50 EUR19

Cancellation/unusage 30 EUR19

Reimbursement request 30 EUR19

Investigations/Correspondence 25 EUR19

Letters of guarantee

Issuance/value increasing/extend validity (for letters of guarantee and aval) 0,30%, minim 25 EUR

19

per quarter or fraction of a quarter

Payment 0,20%, minim 25 EUR19

Advising 50 EUR19

Payment requests sent for completion of letters of guarantee 75 EUR19

Cancellation (exception: the commission is not charged in case the letters of guarantee are cancelled as of beneficiary’s initiative) 25 EUR19

Commission for checking the signatures 25 EUR19

Other amendments 30 EUR19

Conditioning payment orders

Issuance 100 RON19 + payment commission 20

Advising 100 RON19

18

In case of excessive conditions/documents, it is added 100 EUR to the above commission;

19

Or the equivalent in other currency, at NBR exchange rate;

20

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OTHER SERVICES

21

Or the equivalent in other currency, at NBR exchange rate;

22

In case of sending the account statements, it is added the commission for account statement issuing;

23

Or the equivalent in RON, at NBR exchange rate available for that day;

24

Or the equivalent in RON, at NBR exchange rate;

Currencies, financial and banking information (exchange rates, interbanking market interest rates, records requested by the client) Free Sending documents:

- through fax in Romania 7 RON+TVA/ page21

- through fax outside Romania 10 RON+TVA/ page21

- through PRIORIPOST 6,5 RON+TVA/ envelope 21

- through C.N.P.R. 2 RON+TVA/ simple letter 21

- through C.N.P.R. – external postal service

According to the courier charges 22 - through DHL

Account balances confirmation for auditors, embassies etc. 60 EUR/ transaction +TVA

Rental of safe boxes:

- small box 30 RON / month+TVA

- medium box 40 RON / month+TVA

- big box 45 RON / month+TVA

- very big box 55 RON / month+TVA

Consulting of CIP – BNR data base based on clients’ request expressed through the territorial units 10 RON / request+TVA Consulting of CIP – BNR data base for crossed cheque books issuing to the clients, in order to form the credit file or to complete the

account opening file

Free

Fastbanking subscription 15 EUR/month 21

FastMobile subscription 4 RON/ month

Fee for Token VIP Fastbanking activation 10 EUR23

Guarantee for Token Challenge Fastbanking 30 USD23

Fee for Fast Vama service 50 EUR/ month24

Commission for signatures verification 66 RON or 20 EUR21

Commission for issuing of reliability letter 90 RON/ letter 21 + TVA

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DEBIT CARDS (RON)

Item MasterCard Standard 25 VISA Electron 25 VISA Business

Fees for card issuing and maintenance

Card issuing 3 RON 15 RON

Card replacement (ex.: lost, stolen, damaged, destroyed, demagnetized) 3 RON 15 RON

PIN code reissuing - 5 RON

Card renewal as of validity period expiration Free Free

Monthly card maintenance fee Free 15 RON/ month 26

Commissions for operations

Cash withdrawal from Bancpost ATM’s 0,75% 0,40%, minim 1 RON

Cash withdrawal from other banks’ ATM’s/POS’s from Romania 0,50% + 2,50 RON 0,75% + 3 RON

Cash withdrawal from other banks’ ATM’s/POS’s from outside Romania 1% + 7 RON, minim 12 RON - 1% + 10 RON

Payments to merchants Free Free

Payments to merchants in Romania Free - 0,50%

Balance inquiry

Balance inquiry at Bancpost ATM’s 0,20 RON/operation 0,50 RON/ operation

Mini-statement of account debit card at ATM Bancpost 1 RON/ statement

Balance inquiry at other banks’ ATM’s from Romania Free 1,50 RON/ operation

Balance inquiry at other banks’ ATM’s from outside Romania Free - 1,50 RON/ operation

Utility payments at Bancpost ATM’s Free

PIN change at Bancpost ATM’s 0,50 RON/ operation

Other commissions

Recovery of captured card by other banks from Romania 2,50 – 15 RON/card

Recovery of captured card by other banks from outside Romania27 15 EUR/USD/card28 15 USD/card28

Card blocking in MasterCard/VISA system Free - 60 USD/ month/region28

Copy request from the merchant for solving a complaint 5 RON

Unjustified chargeback 30 RON

Cardholder inquiry service (international) - 7,50 USD28

25

As of 06.05.2010, the Bank is not offering this product to its Legal Entities clients;

26

The commission is charged every 4th day of each calendaristic month, provided the card is valid; if the 4th day is a non-working day, the commission will be debited the following working day;

27

If the recovery of the card is made by the merchant, a fee of 0 - 100 EUR/USD/card is added in case of MasterCard cards, respectively 0 – 150 USD/card in case of VISA cards;

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Personal data processing

S.C. Bancpost SA processes the personal data of individuals under the provisions of the Law 677/2001, amended to date, for the protection of individuals regarding the processing of personal data and free movement of such data.

S.C. Bancpost SA is registered as operator for personal data processing concerning:

- Banking activities - in the Register of the National Supervisory Authority for Personal Data Processing no. 767, according to Law 677/2001, amended to date, referring to the protection of individuals regarding the processing of personal data and free circulation of data;

- Marketing activities, advertising and publicity - in the Register of the National Supervisory Authority for Personal Data Processing no. 1826, according to Law 677/2001, amended to date, for the protection of individuals regarding the processing of personal data and free movement of such data.

Under the requirements of the Law 677/2001, individuals have the right to be informed, the right of access to information, the right to update the data, the right not to be subject to individual decisions, the right to appeal to justice, the right to preclude processing of personal data concerning them and to request deletion of data, except in those cases provided by law when processing is required.

To exercise these rights, the bank answers any requests, by application letter (dated, signed, containing personal identification information, including phone number and a legible copy of ID), filed at a network unit or sent to SC Bancpost SA, Boulevard Dimitrie Pompeiu no. 6A, Sector 2, Bucharest.