• No results found

Table of fees and commissions

N/A
N/A
Protected

Academic year: 2021

Share "Table of fees and commissions"

Copied!
25
0
0

Loading.... (view fulltext now)

Full text

(1)

Table of fees and commissions

charged by Bank BPH S.A. for activities related to Corporate Customer service

(2)

Contents

Principles of Rusing the table 3

I. I. MAINTENANCE OF BANK ACCOUNTS 4

II. II. CASH TRANSACTIONS 8

III. III. DOMESTIC CASHLESS, CHEQUE AND BILL OF EXCHANGE TRANSACTIONS 9

IV. IV. FOREIGN EXCHANGE TRANSACTIONS 10

V. V. PAYMENT CARDS 11

VI. VI. TRADE SERVICE AND FINANCE 13

VII. VII. LOANS 17

VIII. VIII. GUARANTEES, COUNTER GUARANTEES, BILL SURETIES, SURETIES 18

IX. IX. SECURITIES ACCOUNT AND TRUST SERVICES 19

X. X. OTHER ACTIVITIES 21

(3)

PRINCIPLES OF USING THE TABLE

1. All Bank’s organisational units and sections charge fees and commissions for ordered services on the basis of the rates specified in the Table. 2. For bank activities performed by the Bank on the basis of agreements with the Customer, commissions/fees other than those specifiedin the

Table may be charged on terms and of the value agreed mutually in such agreements.

3. At a Customer’s request, the Bank may perform activities other than those listed in the Table, however the Bank reserves the right to charge a bank commission or fee.

4. The Bank determines commissions and fees for ordered services in PLN. The Bank charges due commissions and fees in accordance with applicable laws in PLN or convertible currencies by converting PLN rates into a foreign currency at buying/selling rates of exchange applicable at Bank BPH. In the case of Customers of other foreign banks, fees may be determined in foreign currencies.

5. Commissions and fees charged are rounded to one grosz on general terms.

6. All bank fees and commissions are to be paid by the originator of the banking service/transaction unless the parties to a particular service/ transaction agreed otherwise. Commissions and fees not paid by the other party within three months will be charged to the originator of a bank transaction.

7. In the case of orders containing omissions or errors, consequences of delays and changes in foreign exchange rates are borne by the Customer.

8. Irrespective of commissions and fees listed in the accompanying Table, commissions and fees, if any, in favour of banks (domestic and foreign) intermediating in the execution of an instruction are also charged in accordance with separate tables or actually incurred costs.

9. Standard form - a standard form of a deposit receipt/transfer order compliant with the Polish Norm No. PN-F-01101 established by the Polish Committee for Standardisation.

10. Standard transfer - a domestic payment order placed in the form of a paper document using a standard form, booked in the Customer’s account and sent by the Bank for inter-bank clearing on the next business day following the day of placing the order.

11. Urgent transfer - a domestic payment order placed in the form of a paper document, booked in the Holder’s account on the same business day and sent by the Bank for inter-bank clearing not later than on the next business day.

12. In the case of granting a loan as part of a syndicate in which Bank BPH is an arranger or participant - all types and rates of fees and commission are determined by negotiations.

13. In the case of granting a foreign exchange loan from re-lent funds - additional fees resulting from other banks’ costs may arise.

14. The Bank does not purchase or sell, accept deposits into accounts or make withdrawals of a convertible currency in coins nor does it convert convertible currencies in coins into bank notes (and vice versa).

15. The Bank reserves the right to amend the amount of rates of commissions and fees. Such change may occur if at least one of the following conditions is satisfied:

a. change to generally applicable laws that may affect the amount of fees and commissions, b. change in the scope or the form of performing a specific activity,

c. change in fees and commissions applied by competitive banks,

d. change in the price of services used by the Bank at executing individual banking or non-banking activities,

e. change in prices of energy, telecommunications and postal tariffs, inter-bank settlements and other factors influencingthe level of Bank’s fixed costs,

f. change of the consumer price index specified by the Central Statistical Office (GUS), g. change in the foreign exchange rate of the National Bank of Poland (NBP).

16. The table of fees and commission is available in Bank’s branches and on the Bank’s website at: www.bph.pl.

17. The Bank charges fees and commission in the amount applicable on the date of executing a particular banking activity, unless the agreement provides otherwise.

(4)

I. MAINTENANCE OF BANK ACCOUNTS

No. Type of activity/service Rate Method of charging a commission/fee

1 2 3 4

1. Bank accounts in PLN and convertible currencies

1.1 Opening a bank account. free of charge

1.2 Bank account maintenance (current account in PLN and convertible currencies, auxiliary account, including consolidated accounts).

Note:

- In the case of non-interest-bearing accounts, a reduction of the rate to 50% is permitted.

- No fees are charged for maintaining term deposit accounts and accounts that must be maintained as a result of the banking accounting system.

- No fee is charged for maintaining an auxiliary accounts used for booking funds from SAPARD subsidies for the period starting from a month in which a loan agreement was signed to the month in which a loan extended by the Bank under the SAPARD program was repaid.

- No fee is charged for maintaining subsidiary accounts for debit cards.

PLN 36 monthly on each

account

1.3 Maintenance of consolidated account.

Note: Fee in addition to the commission specified in item 1.2 PLN 10 monthly on each consolidated account

1.4 Opening of an Escrow Account. min. PLN 10,000 once

1.5 Amendments to the bank account agreement.

Note: Not applicable to amendments to the agreement for reasons attributable to the Bank

PLN 20 on each amendment

1.6 Blocking funds in the bank account upon Customer’s instruction PLN 30 on each blockade 1.7 Acceptance of a power of disposal of the bank account as collateral for other bank’s

claims. PLN 50 single fee

1.8 Statement of bank account:

a) collected electronically, if paper statements are not used

b) collected electronically if paper statements are simultaneously used c) sent by post:

- by ordinary mail - by priority mail

d) collected at a Bank’s branch Note:

No fee is charged for a bank account statement generated once a month or less frequently and sent to the Customer by post.

free of charge PLN 1 PLN 10 PLN 15 PLN 20 per generated statement charged each time or collectively once a month

1.9 Copies and confirmations of a bank account statement (including a statement upon request) or a book evidence for a statement/transfer execution/transactions in the account/history in one bank account ordered in a Bank’s Branch:

a) statement for the period of 3 months b) above 3 months

ordered in BPH BusinessLine

a) statement for the period of 3 months b) above 3 months

Note:

- The fee does not apply to statements delivered to the Customer cyclically in accordance with the agreement.

downloading a statement from the BusinessNet system a) statement for the period of 12 months

b) above 12 months Note:

- The fee for statements downloaded from the BusinessNet system for more than 12 months is not charged until 31 December 2010.

PLN 20 PLN 40 PLN 10 PLN 20 PLN 0 PLN 7 per one statement/book evidence/transfer confirmation/page of a printout of account transactions/history

1.10 Account administration (applicable to the execution of transfer orders ordered without sufficient funds in the account at specific dates ordered to the bank by the account holder).

PLN 50 monthly

1.11 Execution of a standing order. PLN 6 per single order

1.12 Automatic investment of funds (AIF) from the account: a) monthly fixed fee for using the service

b) fee for a single AIF transaction

PLN 100 PLN 10 monthly on each autoinvestment account on each automatic investment of funds

(5)

1.13 Fee for withdrawing a two-currency term deposit before the maturity date negotiated individually depending on market conditions as of the date of term deposit withdrawal

single fee

1.14 Servicing in the Corporate Customer Service - BPH BusinessLine. PLN 0

2. Elektronic Banking System - BusinessNet

2.1 System set-up service:

a) Unassisted set-up by the Customer with telephone support of BPH BusinessLine b) Set-up service performed by a specialist from the Bank at the Customer’s premises - up to the number of users specified in the subscription packane

c) Set-up service performed by a specialist from the Bank at the Customer’s premises - for each additional user in excess of the number specified in the subscription package

PLN 0 PLN 350 PLN 30

single fee

single fee for set-up in one location for additional user

2.2 Subscription for use of the system:

a) Light functionality package (minimum version) Preview of balances and statements of current order account and preview of Cash Management Reports, with no possibility to place orders - 3 users in the subscription package

b1) Basic functionality package (basic version) The functionality of the Light package and a possibility to place transfer orders - 6 users in the subscription package b2) Information Module presenting financial markets data.

TransDebit,TransPrzekaz, TransCash,TransCard, TransPay, TransPłace; Module Trade Finance – TransFinancing and TradeNet, support trade finance products;

Module support Trust Products;

Module Cross-border services supporting product GAITS Active MT1-01.

Note: A module servicing a particular product is made available subject to signing a corresponding product agreement.

b3) Additional module expanding the functionality of the Basic package - DealingNet Module servicing treasury products (including foreign exchange transactions ) Note: A module servicing a particular product is made available subject to signing a corresponding product agreement.

c) Professional functionality package (full version)

The functionality of the Basic package, all modules listed in items b2) and b3) and additional advanced system functionalities - allowing a remote servicing of own transactional, trade finance, treasury, trust and cross border products. - 9 users in the subscription packane

Note: A module servicing a particular product is made available subject to signing a corresponding product agreement.

PLN 100 PLN 200 PLN 50 PLN 0 PLN 300 monthly monthly

monthly for every additional module

montly

montly

2.3 Telephone support of BPH BusinessLine. PLN 0 monthly

2.4 Subscription fee for each additional user in excess of the number specified in the package.

Note: The Bank may limit the subscription for additional user to PLN 120.

PLN 30 monthly

2.5 Standard service at the Customer’s premises:

a) Service intervention under warranty at the Customer’s premises (due to incorrect system operation)

b) Service intervention outside warranty/additional training at the Customer’s premises - up to 4 hours

c) Each subsequent commenced hour of service/training

PLN 0 PLN 400 PLN 75 single fee single fee per hour 2.6 Service for the integration of the electronic banking system with the financial and

accounting system:

a) Consultations at the Customer’s or ERP/FK/HR manufacturer premises up to 4 hours

b) Consultations at the Customer’s or ERP/FK/HR manufacturer premises for each subsequent commenced hour

PLN 500 PLN 100

single fee per hour

(6)

2.7 Fees related to the use of digital signature: a) Use of a qualified certificate

Note: The Customer purchases on its own a certificate or a set of a certificate and a reader in a relevant certification authority.

b) Use of a digital signature on a compatible smart card. Note: The Customer purchases on its own a card and a reader. c) Use of a key in the bank’s repository, confirmed by SMS code d) Use of a key on a local carrier, confirmed by SMS code

Note: The Customer purchases on its own a local carrier (e.g. a pendrive).

PLN 0 PLN 0 PLN 0.30 PLN 0.30 monthly monthly

for sending SMS with authorisation code for sending SMS with authorisation code

2.8 Fees related to the usage of digital signature carriers: a) Lending a dedicated digital signature smart card b) Lending USB smart card reader

c) Sending cards and readers to the Customer’s location - by post d) Sending cards and readers to the Customer’s location - by courier e) Fee for a failure to return borrowed signature card/reader

PLN 80 PLN 80 PLN 25 PLN 35

as per fees for lending card/reader

single fee per card single fee per reader per package per package per item

2.9 Alerts:

a) Any alert by e-mail b) SMS alerts of system events

c) SMS alerts of events set up individually by the Customer

PLN 0 PLN 0 PLN 0.30 per alert per alert per alert

2.10 For sending starting packages outside Poland via courier. as per courier’s price

list per each package

3. SWIFT MT940 Statements Service - outgoing

3.1 Activation of up to 3 accounts

a) for each additional account PLN 100 PLN 50 single fee single fee

3.2 Subscription fee for up to 3 accounts

a) for each additional account PLN 100 PLN 50 monthly monthly

3.3 Fee for each MT940 or MT942 statement sent. PLN 10 per each statement

sent

4. SWIFT MT940 Statements Service - outgoing

4.1 Activation:

a) Up to three accounts of other bank

Note: The use of the service is subject to having BusinessNet in the Light package or higher

b) For each additional account of other bank

PLN 100

PLN 50

single fee

single fee 4.2 Subscription fee:

a) Up to three accounts of other bank

b) For each additional account of other bank PLN 100 PLN 50 monthly monthly

5. GAITS Active service (outgoing RFT MT101 together wwith incoming MT940 Statements service)

5.1 Activation:

a) For one bank (SWIFT BIC) and 6 SWIFT accounts

Note: To activate the service the BusinessNet system in the Basic package together with the Cross Border Services module or the Professional package is required. b) for each additional bank (identified by a unique SWIFT BIC)

c) for each additional account of other bank

PLN 200 PLN 50 PLN 50 single fee single fee single fee 5.2 Subscription fee:

a) for one bank (SWIFT BIC) and 6 SWIFT accounts

b) for each additional bank (identified by a unique SWIFT BIC) c) for each additional account of other bank

PLN 200 PLN 50 PLN 50 monthly monthly monthly 5.3 Sending a single SWIFT MT101 instruction outgoing to other bank, containing an

instruction to transfer funds from an account in other bank. PLN 10 per each instruction

6. GAITS Passive service (incoming RFT MT101 together with outgoing MT940 Statements service)

6.1 Activation:

a) For one bank (SWIFT BIC) and 6 accounts

b) for each additional bank (identified by a unique SWIFT BIC) c) for each additional account

PLN 200 PLN 100 PLN 100 single fee single fee single fee 6.2 Subscription fee for up to 3 accounts

(7)

6.3 Fee for:

a) per each MT940 statement sent

b) fees for executing incoming instructions implemented with MT101 service

PLN 10 per each statement

sent

as per items III/1.2 and IV/1.4 of this table for each instruction type

7. TRANS-Płace service

7.1 Activation. Note:

- To activate the service, the BusinessNet system in the Basic package together with the Cash Management module or the Professional package is required.

- Fees for the service are the same as for the BusinessNet system.

PLN 0 single fee

7.2 Subscription fee. Note:

- No additional fees are charged for maintaining a payroll account or for account consolidation.

- Fees for instructions are the same as for respective transfer types.

PLN 50 monthly

8. BankConnect System

8.1 System setup service:

a) Unassisted set-up by the Customer with telephone support of HotLine and connection activation

b) Set-up service performed by a specialist from the Bank at the Customer’s premises and connection activation

PLN 0 PLN 350

single fee

single fee for set-up in one location 8.2 Subscription fee for system usage:

a) Silver functionality package

Number of queries under the subscription system per month: 80

a1) For each subsequent query above the number specified in the package b) Gold functionality package

Number of queries under the subscription system per month: 160 b1) For each subsequent query above the number specified in the package c) Platinum functionality package

Number of queries under the subscription system per month: 320

c1) For each subsequent query above the number specified in the package.

PLN 50 PLN 0.80 PLN 100 PLN 0.40 PLN 150 PLN 0.20 monthly

for each query above the limit

monthly

for each query above the limit

monthly

for each query above the limit

II. CASH TRANSACTIONS

No. Type of activity/service Rate Method of charging a commission/fee

1 2 3 4

1. Cash deposits

1.1 Cash deposit into accounts in PLN and convertible currencies Note:

- In the case of cash deposits made to other banks an additional fee is charged for a foreign exchange transfer order or a money order instruction.

- Cash deposits in coins in PLN are accepted in accordance with individual agreements signed with the Customer.

- Not applicable to PLN deposits to accounts of entities from the Bank BPH Capital Group providing brokerage services.

0.5% min. PLN 10 on the deposit amount

1.2 Closed cash deposits under TransCash service. to be negotiated

1.3 Mass closed cash deposits to virtual accounts under TransCashID service. to be negotiated

2. Cash withdrawals

2.1 Cash withdrawals from bank accounts maintained in the Bank in PLN, USD and EUR. Note: Not applicable to PLN cash withdrawals from accounts of entities from the Bank BPH Capital Group providing brokerage services - to third parties.

0.2% min. PLN 7 on the withdrawn amount

2.2 Cash withdrawals in convertible currencies, other than USD and EUR. 5% min. PLN 100 on the withdrawn amount

(8)

2.3 Cash withdrawals from bank accounts in Bank BPH above the amount specified in a notification:

a) unnotified cash withdrawals (if their execution is possible) - executed without prior notification of cash demand

b) failure to withdraw cash/withdrawal of an amount lower than in the notification of cash demand

Note: The above commissions apply to both interest-bearing and non-interest-bearing demand accounts - accounts as well as term accounts and they are charged regardless of the commission specified in items 2.1 and 2.2.

0,15% 0,25%

on the withdrawn amount

on the amount not withdrawn at the agreed date

2.4 Closed cash withdrawals under TransCash service. to be negotiated

3. Automatic cash withdrawals under TransPay service

3.1 Fixed fee (subscription). PLN 100 monthly

3.2 Execution of a cash advance instruction by the beneficiary. 0.25% min. PLN 10 monthly

III. DOMESTIC CASHLESS, CHEQUE AND BILL OF EXCHANGE TRANSACTIONS

No. Type of activity/service Rate Method of charging a commission/fee

1 2 3 4

1 Cashless transactions

1.1 Transfer order placed in the form of a paper document:

a) executed to accounts of the same Customer maintained in Bank BPH regardless of the amount,

b) executed to accounts of other Customers maintained in Bank BPH regardless of the amount,

c) outgoing urgent transfers to other bank of less than PLN 1 million, d) outgoing standard transfers to other bank of less than PLN 1 million,

e) outgoing to other bank via SORBNET system for amounts of PLN 1 million or above, f) outgoing transfers to other bank via SORBNET system of less than PLN 1 million.

PLN 0 PLN 10 PLN 15 PLN 12 PLN 18 PLN 45

per each transfer

1.2 Transfer order placed via BusinessNet system

a) executed to accounts of the same Customer maintained in Bank BPH regardless of the amount,

b) executed to accounts of other Customers (in the case of transfers to other bank - of less than PLN 1 million),

c) outgoing transfers to other bank of less than PLN 1 million sent via Sorbnet system d) outgoing transfers to other bank of PLN 1 million or above.

PLN 0 PLN 2 PLN 7 PLN 7

per each transfer

1.3 Direct debit:

a) for the execution of a single direct debit ordered by the creditor - through the electronic banking system

- in the paper form

b) for debiting debtor’s account with the amount of a single direct debit and transferring funds:

- to creditor’s account maintained in Bank BPH - to creditor’s account maintained in other bank

PLN 1.50 PLN 4 PLN 1 PLN 3 fee debited to creditor’s account

fee debited to debtor’s account

1.4 Cancellation of a single direct debit or cancellation/modification of authorisation to

debit an account. PLN 5 single fee

1.5 Manual distribution of a collective paper list. PLN 8 per each item on the

list 1.6 Cancellation of orders with a future execution date or pending liquidity:

a) through BusinessNet electronic banking system

b) through a telephone instruction in BPH BusinessLine, a request placed with the Relationship Manager or at a Bank’s branch.

c) emergency cancellation of an order not sent for settlement (only through an instruction via Hotline/Relationship Manager/at a branch)

PLN 0 PLN 20 PLN 45

per each cancelled transfer

per each cancelled transfer

per each cancelled transfer

2. Domestic cheques

2.1 Issuance of a chequebook. PLN 1 per 1 cheque form

2.2 Collection of a cheque. 0,75%

min. PLN 15 max. PLN 150

on the cheque amount

2.3 Stopping a cheque/cheques. PLN 30 per one cheque

2.4 Cheque confirmation. PLN 15 per one cheque

(9)

3. Domestic bills of exchange

3.1 Submission of a bill of exchange for collection (from the payee). PLN 30 single fee 3.2 Notification and submission of a bill of exchange for payment to the bill issuer (from

the account holder). PLN 30 single fee

3.3 Collection of a bill of exchange.

Note: no fee is charged to other branch of Bank BPH. PLN 10 single fee

3.4 Submission of a bill of exchange for protest. PLN 295 plus costs

incurred, in accordance with the current notarial fee

single fee

3.5 Intermediation of a Bank’s branch in submitting a bill of exchange for collection. PLN 10 plus costs of a

courier single fee

IV. FOREIGN EXCHANGE TRANSACTIONS

No. Type of activity/service Rate Method of charging a commission/fee

1 2 3 4

1. Execution of payment orders

1.1 International incoming money transfer order when costs are incurred by the beneficiary(including a transfer of foreign currencies from other domestic banks): a) for Bank BPH Customers

Note: In the case of orders not exceeding PLN 500 or the equivalent, the Bank may waive the commission

b) for Customers of other banks

Note: In the case of orders not exceeding EUR 50 or the equivalent, the Bank may waive the commission

c) conditional international money transfer order only for the benefit of a Bank BPH Customer

d) „European” credit transfer

PLN 40 0.3% min. PLN 70 max. PLN 280 0.1% min. PLN 150 max. PLN 450 PLN 8 single fee single fee single fee single fee 1.2 Cash withdrawals related to the execution of international incoming money transfer

orders

Note: The fee is charged in addition to the fee in item 1.1.

0.2% min. PLN 20 single fee

1.3 International outgoing money transfer order (including a transfer of foreign currencies to accounts at other domestic banks) executed in a branch: a) standard transfer

b) urgent transfer c) express transfer

Note: Express transfers can be also executed in PLN, USD, GBP and EUR.

PLN 70 PLN 110

0.1% min. PLN 150 single fee

1.4 International outgoing money transfer order (including a transfer of foreign currencies to accounts at other domestic banks) via BusinessNet system: a) standard transfer

b) urgent transfer c) express transfer

Note: Express transfers can be also executed in PLN, USD, GBP and EUR. d) „European” credit transfer

PLN 60 PLN 100 0.1% min. PLN 130 PLN 8 single fee single fee 1.5 a) Cancellation or a change of an international money transfer (upon a Customer’s

request), if the transfer has not been executed yet

b) Request to cancel or change an international money transfer (upon a Customer’s request), if the transfer has been already executed

c) Cancellation through the electronic banking system of an international money transfer order placed in the electronic banking system, if the transfer has not been executed yet.

PLN 40

PLN 70 + costs of other banks

PLN 0

per each cancelled transfer

per each cancelled transfer

per each cancelled transfer

1.6 Cancellation of an international money transfer by a bank to which it was sent. as for an incoming

(10)

1.7 Issuance of a copy of a confirmation of an ordered international money transfer execution upon a Customer’s request

ordered in a Bank’s Branch:

a) within up to 3 months from the transfer execution date

a) above 3 months up to 12 months from the transfer execution date c) above one year from the transfer execution date

ordered in BPH BusinessLine:

a) within up to 3 months from the transfer execution date

a) above 3 months up to 12 months from the transfer execution date c) above one year form the transfer execution date

PLN 15 PLN 30 PLN 100 PLN 5 PLN 20 PLN 90 single fee single fee

1.8 Return of an incoming international money transfer - upon a beneficiary request. as for an outgoing

transfer single fee

1.9 Investigation procedure (complaint) upon a Customer’s request regarding the execution of an international money transfer:

a) ordered in a Bank’s Branch b) ordered in BPH BusinessLine

Note: The fee is not charged if Bank BPH’s errors are identified.

PLN 70 + costs of other banks PLN 50 + costs of other banks single fee single fee

1.10 Search for an international money transfer upon a Customer’s instruction: a) ordered in a Bank’s Branch

b) ordered in BPH BusinessLine PLN 70 + costs of other banks PLN 50 + costs of other banks single fee single fee

1.11 Execution of an instruction to deliver a copy of a money transfer execution confirmation (upon a Customer’s written request):

a) ordered in a Bank’s Branch

b) ordered in BPH BusinessLine PLN 35 PLN 35 single fee single fee

1.12 An additional fee for a transfer that does not meet the requirements for automatic

processing. PLN 30 single fee

2. Execution of cheque transactions

2.1 a) Purchase of cheques for the amount above PLN 30 or equivalent Note: not applicable to cheques issued by Bank BPH.

b) Conditional purchase

1.5% min. PLN 20 max. PLN 1000 + costs of foreign banks charged on paid traveller’s cheques 1.5% min. PLN 100 single fee 2.2 Collection of cheques. 1% min. PLN 20 max. PLN 500 single fee

2.3 Return of unpaid cheque. PLN 25 + costs of other

banks single fee

2.4 Verification of a cheque cover in a drawer’s bank - upon a Customer’s request. PLN 60 single fee 2.5 Sale of a banker’s cheque.

Note: no additional fees (postage) related to sending a cheque are charged. 0.5% min. PLN 40 max. PLN 350 single fee

2.6 Purchase of returned not encashed cheques. PLN 25 single fee

V. PAYMENT CARDS

No. Type of activity/service Rate Method of charging a commission/fee

1 2 3 4

1. Visa Business card

1.1 Fee for card usage. PLN 150 annual

1.2 Commission on cashless transactions. 1.1% on the transaction

value

1.3 Commission on cash transactions. 4% min. PLN 5 on the transaction

value 1.4 Stop listing a card:

a) if the card was used contrary to the terms and conditions

b) if the card was lost or stolen PLN 50 free of charge

each time

1.5 Issuance of a card as a replacement of a stop-listed card. PLN 150 each time

(11)

1.7 Emergency cash withdrawal. in accordance with actual costs, not less than the equivalent of USD 175

each time

1.8 Issuance of a temporary card abroad. in accordance with

actual costs, not less than the equivalent of USD 250

each time

1.9 Fee for a delayed repayment of debt for deferred charge cards. PLN 50 each time in the case of delayed debt repayment

1.10 Fee for express card issuance. PLN 200 each time

1.11 Fee for currency conversion of foreign transaction. 2% on the transaction

value

2. MasterCard Corporate card

2.1 Fee for card usage. PLN 150 annually

2.2 Commission on cashless transactions. 1,1% on the transaction

value

2.3 Commission on cash transactions. 4% min. PLN 5 on the transaction

value 2.4 Stop listing a card:

a) if the card was used contrary to the terms and conditions

b) if the card was lost or stolen PLN 50 free of charge

each time

2.5 Issuance of a card as a replacement of a stop-listed card. PLN 150 each time

2.6 Issuance of a duplicate card. PLN 40 each time

2.7 Emergency cash withdrawal. in accordance with

actual costs, not less than the equivalent of USD 95

each time

2.8 Issuance of a temporary card abroad. in accordance with

actual costs, not less than the equivalent of USD 148

each time

2.9 Fee for a delayed repayment of debt for deferred charge cards. PLN 50 each time in the case of delayed debt repayment

2.10 Fee for express card issuance. PLN 200 each time

3. VISA Business Gold card

3.1 Fee for card usage. PLN 250 annually

3.2 Commission on cashless transactions. 1,1% on the transaction

value

3.3 Commission on cash transactions. 4% min. PLN 5 on the transaction

value 3.4 Stop listing a card:

a) if the card was used contrary to the terms and conditions

b) if the card was lost or stolen PLN 50 free of charge

each time

3.5 Issuance of a card as a replacement of a stop-listed card. PLN 250 each time

3.6 Issuance of a duplicate card. PLN 40 each time

3.7 Emergency cash withdrawal abroad. in accordance with

actual costs, not less than the equivalent of USD 175

each time

3.8 Issuance of a temporary card abroad. in accordance with

actual costs, not less than the equivalent of USD 250

each time

3.9 Fee for a delayed repayment of debt for deferred charge cards. PLN 50 each time in the case of delayed debt repayment

(12)

3.11 Fee for currency conversion of foreign transaction. 2% on the transaction value

4. VISA Business Electron card

4.1 Fee for card usage. PLN 30 annually

4.2 Commission on cashless transactions. no commission

4.3 Commission on cash withdrawals at ATMs and cash desks of domestic banks. 1% min. PLN 5 on the transaction value

4.4 Commission on cash withdrawals at ATMs and cash desks of foreign banks. 4% min. PLN 5 on the transaction value

4.5 Commission on cash withdrawals at Bank BPH ATMs and ATMs designated with the

Euronet logo. PLN 1 each time

4.6 Commission on cash withdrawals at cash desks of Bank BPH. 1% min. PLN 5 on the transaction value

4.7 Stop listing a card:

a) if the card was used contrary to the terms and conditions

b) if the card was lost or stolen PLN 50 free of charge

each time

4.8 Issuance of a card as a replacement of a stop-listed card. PLN 30 each time

4.9 Issuance of a duplicate card. PLN 10 each time

4.10 Emergency cash withdrawal abroad. in accordance with

actual costs, not less than the equivalent of USD 175

each time

4.11 Fee for currency conversion of foreign transaction. 2% on the transaction

value

5. Corporate Maestro Business card

5.1 Fee for card usage. PLN 30 annually

5.2 Commission on cashless transactions. no commission

5.3 Commission on cash withdrawals at ATMs and cash desks of domestic banks. 1% min. PLN 5 on the transaction value

5.4 Commission on cash withdrawals at ATMs and cash desks of foreign banks. 4% min. PLN 5 on the transaction value

5.5 Commission on cash withdrawals at Bank BPH ATMs and ATMs designated with the

Euronet logo. PLN 1 each time

5.6 Commission on cash withdrawals at cash desks of Bank BPH. 1% min. PLN 5 on the transaction value

5.7 Stop listing a card:

a) if the card was used contrary to the terms and conditions

b) if the card was lost or stolen PLN 50 free of charge

each time

5.8 Issuance of a card as a replacement of a stop-listed card. PLN 30 each time

5.9 Issuance of a duplicate card. PLN 10 each time

5.10 Emergency cash withdrawal abroad. in accordance with

actual costs, not less than the equivalent of USD 95

each time

6. MasterCard Corporate Executive card

6.1 Fee for card usage. PLN 250 annually

6.2 Commission on cashless transactions. 1,1% on the transaction

value

6.3 Commission on cash transactions. 4% min. PLN 5 on the transaction

value 6.4 Stop listing a card:

a) if the card was used contrary to the terms and conditions

b) if the card was lost or stolen PLN 50 free of charge

each time

6.5 Issuance of a card as a replacement of a stop-listed card. PLN 250 each time

(13)

6.7 Emergency cash withdrawal. in accordance with actual costs, not less than the equivalent of USD 95

each time

6.8 Issuance of a temporary card abroad. in accordance with

actual costs, not less than the equivalent of USD 148

each time

6.9 Fee for a delayed repayment of debt for deferred charge cards. PLN 50 each time in the case of delayed debt repayment

6.10 Fee for express card issuance. PLN 200 each time

VI. TRADE SERVICE AND FINANCE

No. Type of activity/

service Rate Method of charging a commission/fee

1 2 3 4

1. Documentary and financial collection

1.1 Acceptance of export/seller’s collection instruction: a) in a paper form

or

b) electronically via TradeNet

PLN 100 PLN 0

single fee - 1.2 Export/seller’s collection - forwarding documents for collection. 0.1% min. PLN 200

max. PLN 500 single fee

1.3 Execution of export/seller’s collection proceeds. PLN 70 for each encashment

1.4 Transfer of a part of collected amount to a third party, e.g.: an agent. PLN 100 per each transfer 1.5 Advising of import/buyer’s collection incoming:

a) in a paper form or

b) electronically via TradeNet

PLN 150 PLN 50

single fee single fee 1.6 Acceptance of a bill of exchange under financial collection. 0.05% min. PLN 90

max. PLN 250 single fee 1.7 Release of documents without payment or return of unpaid documents to the payee. PLN 70 single fee

1.8 Release of documents against payment. 0.1% min. PLN 200

max. PLN 500 single fee 1.9 Release of documents against acceptance of bill of exchange, against promissory

notes, or commitment to payment. 0.15% min. PLN 250 max. PLN 650 single fee 1.10 Execution of a partial payment of import/buyer’s collection without releasing

documents/bills of exchange. PLN 70 single fee

1.11 Endorsement or assignment of documents addressed to the Bank. PLN 200 single fee

1.12 Protesting a draft. PLN 300 plus costs

incurred single fee

1.13 Forwarding a copy of executed collection payment directly to the payee. PLN 35 per each forward 1.14 Amendment to collection instruction or cancellation of export/seller’s collection. PLN 70 per each amendment 1.15 Verification of the promptness of payment under export/seller’s or import/buyer’s

collection. PLN 70 on a one-off basis at the verification of the

promptness of payment

2. Documentary letter of credit

2.1 Pre-advice of the opening of an import letter of credit. PLN 50 single fee

2.2 Acceptance of an instruction to open a letter of credit: a) in a paper form or

(14)

2.3 Opening of an import letter of credit. 0.2% min. PLN 300 on a one-off basis for each commenced quarter, on the amount of a letter of credit with some tolerance 2.4 Advising an export letter of credit to the beneficiary:

a) in a paper form or

b) electronically via TradeNet

PLN 200 PLN 150

single fee single fee 2.5 Addition of a confirmation by the Bank to an export letter of credit. from 0.15%

min. PLN 500 on a one-off basis for each commenced quarter, on the amount of a letter of credit with some tolerance depending on the country risk group 2.6 Amendment to letter of credit conditions:

a) increase in value or extension of the expiry date of an export letter of credit confirmed by the Bank

b) increase in value or extension of the expiry date of an import letter of credit

c) other amendment to import or export letter of credit

Note: In the case of simultaneous amendments to letter of credit conditions only one, higher fee is charged.

from 0.15% min. PLN 500

0.2% min. PLN 300

PLN 150

at each amendment, for each commenced quarter, on the increase

amount/amount of a letter of credit with some tolerance depending on the country risk group at each amendment, for each commenced quarter on the increase amount/amount of a letter of credit with some tolerance per each amendment

2.7 Taking up documents against payment or bill of exchange acceptance under an

import letter of credit. 0.1% min. PLN 300 on the amount of

documents/bill of exchange

each time at taking up documents or bill of exchange acceptance

2.8 Negotiating documents under an export letter of credit. from 0.15%

min. PLN 500 each time at negotiations, on the amount of documents depending on the country risk group 2.9 Taking up documents or bill of exchange acceptance under export letter of credit

confirmed by the Bank or presentation of documents which do not comply with letter of credit terms under export letter of credit confirmed by the Bank or payment under an export letter of credit unconfirmed by the Bank.

PLN 300 per each payment

2.10 Transfer of export letter of credit on a secondary Beneficiary. 0.2% min. PLN 500 on a one-off basis for each commenced quarter, on the amount of a letter of credit with some tolerance 2.11 Deferment of payment:

a) for import letter of credit

b) for export letter of credit confirmed by the Bank

c) for export letter of credit unconfirmed by the Bank

0.07% min. PLN 150 from 0.05% min. PLN 150 PLN 200 on each deferment of payment, on the payment amount for each commenced month

on each deferment of payment, on the payment amount for each commenced month depending on the country risk group per each deferment of payment

2.12 Presentation of documents with reservations in an import letter of credit (from the beneficiary of the letter of credit):

a) domestic letter of credit

b) foreign letter of credit PLN 250 equivalent of EUR 80

on each presentation of documents with reservation

2.13 Cancellation of a wholly unutilised import/export letter of credit or closing transaction

(15)

2.14 Endorsement or assignment or of rights arising from documents addressed to the

Bank. PLN 200 single fee

2.15 Payment under a confirmed export letter of credit with a reservation /recourse/. from 0.2%

min. PLN 400 on each payment, on the amount of documents depending on the country risk group

2.16 Negotiating with other banks terms of confirming an import letter of credit by that

bank. PLN 500 single fee

2.17 Sending a confirmation of opening/amending conditions of an import letter of credit

directly to the letter of credit beneficiary. PLN 35 at each sending

2.18 Removing defects in the order to open an import letter of credit. PLN 80 single fee 2.19 Express opening an import letter of credit upon Customer’s request

(within 24 hours from accepting a defect-free order). PLN 300 additional fee single fee

2.20 Other activities related to letter of credit processing. commission agreed on

a case-by-case basis

3. Discount products

3.1 TransFinancing (financing of debt claims in the domestic or foreign trading): a) for granting, increasing or extending the purchase limit

b) on debt claims purchased

c) on unutilised financing limit

Note: Unutilised limit is a difference between the limit and the sum of the face value of debt claims purchased during the financing period.

d) other activities related to an amendment to the agreement, except for activities specified in item 3.2 from 1 % min. PLN 100 + 23% VAT from 0.3 % min. PLN 30 + 23% VAT 0.4% + 23% VAT min. PLN 200 + 23% VAT max. PLN 1000 + 23% VAT on a one-off basis on the amount of limit granted/change amount

on the face amount of a debt claim paid (100% of the gross invoice value) on the unutilised limit, single charge as of the end of the limit term on each invoice batch sent to the factorer 3.2 Bill discounting as part of an ad hoc transaction. min. 1% min. PLN 50 on a one-off basis on

the bill amount 3.3 Discount loan:

a) for granting, increasing or extending the limit

b) for bill discounting under the limit c) on unutilised discounting limit

Note: Unutilised limit is a difference between the limit and the sum of the face value of bills purchased.

d) reduction of the discounting limit or termination of a discounting agreement upon Customer’s request

e) other activities related to an amendment to the agreement, except for items a) and d) from 1% min. PLN 1000 from 0.3 % min. PLN 50 0,4 % 1% min. PLN 200 max. PLN 1000 on a one-off basis on the amount of limit granted/change amount

on the bill amount on the unutilised limit, single charge as of the end of the limit term on the reduction amount/on the agreement terminated

3.4 Forfaiting: a) Arrangement fee

b) Opening a forfaiting line

c) Unutilised line balance

d) Commission on debt claims purchased under the line e) For a financial assessment of the debtor

min. PLN 250 max. PLN 1000 from 1% min. PLN 1000 from 0.4% min. PLN 500 from 0.3% min. PLN 30 min. PLN 200 max. PLN 1000

single fee at the commencement of the transaction

on a one-off basis on the amount of the allocated line on the unutilised balance, single charge as of the end of the limit term on debt claim paid single fee for assessing each debtor

(16)

4. Risk acceptance

4.1 Taking over the risk: a) Silent confirmation

b) Syndication

c) Arrangement fee

d) Opening a non-financial forfaiting line

e) Unutilised line from 0.3 % min. PLN 500 commission agreed on a case-by-case basis min. PLN 250 max. PLN 1000 from 1% min. PLN 1000 from 0.2% min. PLN 1000

single fee after adding the confirmation, on the letter of credit amount for each commenced quarter of the letter of credit validity

single fee at the commencement of the transaction

on a one-off basis on the amount of the allocated line on the unutilised balance, single charge as of the end of the limit term

VII. LOANS

No. Type of activity/service Rate Method of charging a commission/fee

1 2 3 4

1. Loans

1.1 Arrangement fee on the loan granted. Note:

- In the case of granting a loan in the form of a line (credit line, multi-purpose line, multi-purpose multi-currency line) the commission is charged on the amount of the limit granted minus the transactional limit value, however no arrangement fees are charged on each type of a utilisation of that line (with the exception of guarantees and letters of credit to which commissions stipulated in this Table apply).

- The commission is charged on the date funds are disbursed to the borrower, after the borrower satisfied disbursement conditions specified in a loan agreement or not later than on the 30th day after the conclusion of the agreement, whichever is earlier.

min.

1% min. PLN 300 once on the amount of the loan/credit limit granted

1.2 Commission on unused loan:

a) on overdraft facility and a revolving working capital loan,

b) on a credit line, multi-purpose line, multi-purpose multi-currency line. Note: In the case of loans in the form of a line the commission is calculated and charged on the entire unused line limit, however no commission is charged on unused individual forms of financing disbursed under the line limit allocated.

min. 0.2% per month

min. 1.2% per annum

monthly on the unused amount being a difference between the amount of the loan granted and the monthly average usage, payable on the last day of each calendar month commission is charged daily on the unused amount being a difference between the amount of the loan granted and the daily usage, payable monthly on the last day of each calendar month

1.3 Commission on unused portion of the loan. Note:

The commission is charged on non-revolving loans (non-revolving working capital loan, investment loan). No commission on unused portion of the loan is charged in the case of non-revolving loans functioning under credit lines.

5% per annum min.

PLN 30 commission is charged on the unused amount, starting from the 3rd business day from disbursement of funds until the day preceding full utilisation inclusive, payable as of the end of the next interest period

(17)

1.4 Commission for early repayment of the entire or a portion of the loan prior to contractual date:

- up to 7 days before a scheduled repayment date - between 8 to 30 days before a scheduled repayment date - more than 30 days before a scheduled repayment date Note:

- The commission is also charged if the loan amount is reduced or the loan agreement is terminated by the borrower before the agreed contractual date. - No commission is charged in the case of an early repayment of loans extended with the contribution of the European Union aid measures, e.g. SAPARD, ISPA, structural funds etc.).

- In the case of loans granted using individual quotation of Fund Transfer Rates with the use of FTR Calculator (in accordance with separate regulations), the amount of costs of the loan early repayment is determined with the use of the FTR Calculator, however this amount may not be lower than appropriate rates specified as fixed amounts for the commission on early repayment.

min. 0.2% min. 0.5% min. 1%

charged on a one-off basis on the amount of early

repayment/reduction of the loan; payable no later than on the date of

repayment/reduction of the loan amount

1.5 Amendment of conditions of an agreement upon a borrower’s request: a) in respect of increasing the loan/limit amount or extension of the date Note:

- If an amendment concerns a reduction of the loan amount, only the commission for an early repayment is charged and not additional commission for amending the agreement is charged.

- In the case of extensions of the repayment date for up to 30 days due to a lack of appropriate credit decision, the commission for extending the repayment date may be charged at 1/12 of the standard rate. After making a credit decision, the cost of that commission may be recognised against the total commission for extending the term of the loan.

b) in respect of changing the currency of the loan/limit (redenomination) Note:

- The basis for calculating the commission is the amount of actual debt together with the loan amount to be still used. In the case of loans in the form of revolving credit lines, the commission is charged on the amount of the loan granted.

- No commission is charged if the currency is changed after the loan renewal date. c) other changes, e.g. change of the loan collateral, change of the agreed repayment schedule etc.

min. 1%

min. 1%

min. PLN 50 max. PLN 1,000

on the amount subject to the amendment

on redenominated amount

single fee

1.6 Issuance of a promise of a loan.

Note: “A commission for issuing a promise to grant a loan as part of loans extended with the contribution of the European Union aid measures (e.g. SAPART, ISPA, structural funds etc.) is recognised against the arrangement fee on that loan”.

min. 0.1% min. PLN 150 single fee

VIII. GUARANTEES, COUNTER GUARANTEES, BILL SURETIES, SURETIES

No. Type of activity/service Rate Method of charging a commission/fee

1 2 3 4

1. NOSTRO guarantees, counter guarantees, bill sureties and sureties issued upon Customers’ request

1.1 Granting a NOSTRO guarantee (including a counter guarantee), a surety or bill surety

(arrangement fee). 0.2% min. PLN 200 on a one-off basis on the amount of bank’s

liability 1.2 Servicing a NOSTRO guarantee (including a counter guarantee), a surety or bill surety. 0,6 % - 2%

min. PLN 200 quarterly for each commenced three-month period on the amount of a bank’s liability

1.3 Change of conditions of a NOSTRO guarantee (including a counter guarantee), surety or a bill surety:

a) extension of the validity and/or increase of the amount - arrangement fee

- processing the change

b) other change in guarantee conditions, including also an extension of its validity, if the extension falls within the period for which the commission was charged Note: In the case of simultaneous changes of conditions only one higher commission is charged. 0.2% min. PLN 200 0.6% - 2% min. PLN 200 PLN 200 on a one-off basis on the balance of bank’s liability or the increase amount

quarterly - for each commenced three-month period on the balance of bank’s liability or on the increase amount 1.4 Negotiating the content of a guarantee with other bank upon Customer’s instruction. min. PLN 300

(18)

1.5 Payment under a NOSTRO guarantee, surety, bill surety:

a) if the Customer pays its liability to the Bank in respect of the payment made under a NOSTRO guarantee within 7 days

b) if the Customer does not pay its liabilities to the Bank in respect of the payment made under a NOSTRO guarantee within 7 days

PLN 150 From 0.15 % min. PLN 300 single fee depending on the risk/type of collaterals 1.6 Rejection of a payment claim under a NOSTRO guarantee, surety, bill surety. PLN 200

1.7 Issuance of a promise to grant a NOSTRO guarantee, bill surety, surety. PLN 200 1.8 Bank guarantee line:

a) commission on the bank guarantee line allocated

b) commission for amending conditions of the agreement (i.e. extension of the term, increase of the amount)

c) other changes

d) granting a guarantee under bank guarantee lines (arrangement fee)

Note: Other fees and commission on guarantees granted under the line are charged as in the case of other guarantees.

from 0.5% min. PLN 250 0.5% min. PLN 150 min. PLN 150 PLN 100 on a one-off basis on the line amount, depending on the Customer risk/type of collateral

on a one-off basis on the balance of bank’s liability/type of collateral single fee single fee

1.9 Annulment of a NOSTRO guarantee or of an instruction to grant a NOSTRO guarantee. PLN 200

1.10 Commission for granting a guarantee for a purchase of short-term securities. min. 0.3% per annum

2. LORO guarantees and own guarantees, confirmations, bill sureties and sureties issue upon other banks’ instruction

2.1 Advising the beneficiary of a LORO guarantee, surety, bill surety or its/their change as well as a registration of a LORO guarantee or an amendment to a LORO guarantee placed by the beneficiary:

a) if bank costs are incurred by the beneficiary a) if bank costs are incurred by the principal

Note: Not applicable to guarantees whose beneficiary is a Bank’s organisational unit.

PLN 200 PLN 300

2.2 Deleting from records an unused or partially unused LORO guarantee. PLN 100 2.3 Granting a guarantee, confirmation, surety or bill surety upon other bank’s instruction

under its counter guarantee (arrangement fee). PLN 350 single fee

2.4 Servicing own guarantee, confirmation, surety or bill surety upon other bank’s

instruction under its counter guarantee. from 0.5% depending on the country risk group min. PLN 330

for each commenced three-month period on the amount of a bank’s liability Commission charged on a one-off basis in advance for the entire guarantee validity

2.5 Amendment of own guarantee, confirmation, surety, bill surety issued upon other bank’s instruction:

a) extension of the validity/increase of the amount of the guarantee

b) other change in guarantee conditions, including also an extension of its validity, if the extension falls within the period for which the commission was charged Note: In the case of simultaneous changes of the guarantee conditions only one higher commission is charged.

from 0.5% min. PLN 330

PLN 350

for each commenced three-month period on the balance of bank’s liability or on the increase amount commission charged on a one-off basis in advance for the entire guarantee validity

2.6 Opining conditions of a LORO guarantee upon Customer’s written request. min. PLN 300 2.7 Sending/servicing a claim for payment under a LORO guarantee. 0.2% min. PLN 200

max. PLN 500

(19)

IX. SECURITIES ACCOUNT AND TRUST SERVICES

No. Type of activity/service Rate Method of charging a commission/fee

1 2 3 4

1. Maintenance of a securities accounts - residents and non-residents

1.1 Opening a securities account. free of charge

1.2 Maintenance of a securities account. PLN 25 monthly

1.3 Blocking securities on a securities account. PLN 30 single fee

1.4 Crediting or debiting a securities account in respect of a settlement of a

purchase/sale transaction or a transfer of securities booked on the securities account a) Shares

- Transactions executed via a brokerage house Note: the fee excludes a broker’s commission. - Transfer of securities

b) State Treasury bonds

- Transactions executed via a brokerage house Note: the fee excludes a broker’s commission.

- Transactions executed with the Bank on the inter-bank market - Transactions executed on the inter-bank market via other bank - Transactions executed on the primary market

- Transfer of securities c) Treasury Bills

- Transactions executed with the Bank on the inter-bank market - Transactions executed on the inter-bank market via other bank - Transactions executed on the primary market

- Transfer of securities

d) Commercial Papers for which Bank BPH acts as an issuer’s agent - Transactions executed with the Bank on the inter-bank market - Transactions executed on the inter-bank market via other bank e) Other securities PLN 50 PLN 50 PLN 30 free of charge PLN 30 PLN 0.02 PLN 30 free of charge PLN 30 0.02% min. PLN 20 PLN 30 free of charge PLN 30 to be negotiated single fee single fee single fee single fee

on the transaction face value

single fee

single fee

on the transaction face value

single fee

1.5 Cancellation of an order to settle a purchase/sale transaction or a transfer of

securities booked on the securities account. PLN 10 single fee

1.6 Reports:

a) Standard set of reports

b) Additional reports sent by registered mail c) Additional reports sent by fax

d) Additional reports sent by SWIFT

free of charge PLN 20 PLN 10 PLN 5 per item per item per item

1.7 Issuance of an opinion for a statutory auditor. PLN 250

1.8 Other. to be negotiated

2. Provision of trust services* - residents and non-residents

2.1 Opening a securities account. to be negotiated

2.2 Maintenance of a securities account. to be negotiated monthly

2.3 Blocking securities on a securities account. PLN 30 single fee

2.4 Crediting or debiting a securities trading account in respect of a settlement of a purchase/sale* transaction or a transfer of securities booked on the securities trading account:

a) Shares

b) State Treasury bonds c) Treasury Bills d) Other securities to be negotiated to be negotiated to be negotiated to be negotiated

(20)

2.5 Custody of securities: a) Shares

b) Treasury bonds c) Treasury Bills d) Other securities

Note: A fee for a custody of securities is determined on a monthly basis on the basis of the portfolio balance as at the end of a month for:

- Equity securities in accordance with the following formula: market value as of the last day of a month x commission /12

- Treasury bonds at the market value in accordance with the following formula: market value as of the last day of a month x commission /12

- Other debt securities in accordance with the following formula: face value x commission /12

- Debt securities denominated in foreign currencies in accordance with the following formula: face value x average NBP rate as of the last day of a month x commission /12

The minimum monthly fee for a custody of securities is charged if the fee calculated on the basis of the balance of the securities portfolio recorded in all Customer’s securities accounts as of the end of the month is lower than the minimum fee, which means that at the zero balance of accounts in a particular month, it will be also charged. to be negotiated to be negotiated to be negotiated to be negotiated 2.6 Reports:

a) Standard set of reports agreed with the Customer b) Additional reports sent by registered mail c) Additional reports sent by fax

d) Additional reports sent by SWIFT

free of charge PLN 20 PLN 10 to be negotiated single fee single fee single fee 2.7 Performing the function of a custodian:

− Fee for keeping the register of assets calculated on the basis of the Customer’s net asset value.

− Fee for verifying the correctness of calculating the net asset value and the value of a settlement/participation unit

to be negotiated to be negotiated

2.8 Issuance of an opinion for a statutory auditor. PLN 250

2.9 Representing the Customer at a general meeting of shareholders. PLN equivalent of EUR 100

2.10 Other. to be negotiated

NOTE:

The fees and commissions specified in the Bank BPH Table are applied monthly by debiting the Customer’s account at a date agreed with the Customer. The manner and frequency of charging the commissions and fees may be determined on an individual basis.

If the agreement does not provide otherwise, the fees specified in the Bank BPH Table are subject to deposit and transaction charges incurred by Bank BPH in respect of a custody and settlement of Customer’s securities in Institutions other than Bank BPH (e.g. Krajowy Depozyt Papierów Wartościowych S.A. - National Depository for Securities), at dates and amounts consistent with tables of fees of such Institutions as well as other external fees incurred by Bank BPH as a result of executing Customer’s orders.

The Bank may waive a commission on a credit or debit on a securities account arising from a settlement of securities purchase/sale transactions executed with the Bank.

* Applicable to services provided to Customers serviced directly by the Trust Department.

X. OTHER ACTIVITIES

No. Type of activity/service Rate Method of charging a commission/fee

1 2 3 4

1.1 Commission for a purchase and sale of foreign currencies. Note: The commission applies to cash transactions. The Bank does not deal in coins in foreign currencies.

0,2 - 2% on the amount

purchased or sold

1.2 For the performance of an enforcement order and of a document of the same force. Note: The fee is debited to debtor’s account,

irrespective of fees for a transfer of funds to other bank.

0.5% min. PLN 25 max. PLN 300

each time on the amount transferred to the enforcement body

1.3 Acceptance and storage of objects and documents in a Bank’s deposit. to be negotiated

min. PLN 30 monthly

1.4 Deposit for a key to a case or a safe-deposit box. PLN 100 single fee

1.5 Renting cases or safe-deposit boxes. to be negotiated

min. PLN 30 monthly

1.6 Wallet for the night safe, key to the night safe doors, coin bag. to be negotiated

min. PLN 50 single fee 1.7 Confirmations/certificates (excluding item 1.9 Maintenance of Bank Accounts):

(21)

a) ordered in a Bank’s Branch

b) ordered in BPH BusinessLine PLN 25 PLN 20 single fee single fee

1.8 Drafting an opinion upon Customer’s request: a) ordered in a Bank’s Branch

b) ordered in BPH BusinessLine to be negotiated min. PLN 50 to be negotiated min. PLN 40 single fee single fee

1.9 Request to protect Customer’s ID document, account number, Customer ID card

against access. PLN 40 single fee

1.10 Confirmation of the authenticity of signatures of Bank BPH Customers in accordance

with the specimen signature card. PLN 15 single fee

1.11 Daily provision of tables of foreign exchange rates upon request of Customers holding accounts in Bank BPH:

a) ordered in a Bank’s Branch

b) ordered in BPH BusinessLine PLN 50 PLN 40 monthly monthly

1.12 Distribution of originals of Direct Debit Consents. PLN 6 fee debited to

creditor’s account per each consent 1.13 Generating electronic transaction reports

(applicable to: TransCollect, TransDebit, TransCard, TransCash ID, Balance Consolidation, Automatic Funds Investments) and to electronic statements: a) report on request (including non-standard report)

b) standard report

rate to be negotiated individually

PLN 20 monthly

1.14 For processing a mass payment under TransCollect service. PLN 0.75 per transaction 1.15 Fee for preparation and delivery of information constituting bank secrecy to persons,

bodies and institutions authorised pursuant to the Banking Law and other laws, with the exception of cases when the information is made available upon a request of: 1) a court or prosecutor during criminal proceedings or proceedings regarding a fiscal crime,

2) a prosecutor in cases regarding the use of banking activity for purposes related to a crime defined in article 299 of the Penal Code,

3) persons authorised by a resolution of the Commission for Banking Supervision and the inspector of banking supervision,

4) the General Inspector of Financial Information, the General Inspector of Fiscal Control, the director of the fiscal control office and the head of the tax office to the extent specified in separate acts,

5) the Social Insurance Institution in cases regarding bank account numbers of contribution payers and information enabling an identification of holders of such accounts,

6) state security forces, Foreign Intelligence Agency, Police, Military Police, Border Guards and Prison Service in connection with background checks performed on the basis of the laws on the protection of classified information,

a) ordered in a Bank’s Branch

b) ordered in BPH BusinessLine PLN 50 + postage PLN 40 + postage single fee single fee 1.16 Preparation of a banking audit:

a) ordered in a Bank’s Branch/with Bank’s Advisor

b) ordered in BPH BusinessLine PLN 250 PLN 200

1.17 SmartData Gen2 service - Internet system for managing MasterCard Corporate and

MasterCard Corporate Executive cards and expenses. PLN 150 monthly

1.18 Opening and maintaining card settlement account. free of charge

2. Fees and commissions under TransPrzekaz service

2.1 Fee for executing a money transfer order. PLN 2.5 on the execution date

2.2 Fee for returning a money transfer order. PLN 2.5 on the execution date

2.3 Commission for sending a money transfer order. in accordance with the

price list of the Polish Post

on the execution date

2.4 Postage for returning a money transfer order. in accordance with the

price list of the Polish Post

(22)

XI. TERMS & CONDITIONS FOR OTHER BANKS

General provisions:

The base for establishing the fee is the price given in EUR currency. The Bank charges due fees and commissions in accordance with the effective provisions of law, in EUR or in PLN or in other convertible currencies, converting EUR rates into other currency with the use of buy/sell rates effective in Bank BPH.

With regard to banks maintaining accounts in the books of Bank BPH, the fees will be applied according to the agreement on the account maintenance. The prices quoted in currency other than EUR are approximately equivalent to the EUR value specified in the Table.

CURRENT ACCOUNTS

Lp. Item Fees and commissions

A 1 2

1 Account opening. free of charge

2 Account maintenance. monthly or according

to the agreement

3 Credit interest. According to the

agreement and based on current market conditions

4 Debit interest. According to the

agreement and based on current market conditions 5 Daily statements MT 950: a) by SWIFT b) by telex or fax c) by mail a) according to the agreement b) EUR 1,00 per item c) EUR 2,00 per item

6 Advice of the unsufficient balance. EUR 3,00

7 Account closing. EUR 25

CLEAN PAYMENTS AND TRANSFERS

Lp. Item Fees and commissions

B 1 2

1 Booktransfer - ordered by telex. bez opłat / free of

charge - EUR 1,00 2 Bank to bank transfers charged to the account with Bank BPH:

a) executed via NBP (SORBNET)

b) executed via National Clearing House (ELIXIR/EURO-ELIXIR)

c) SWIFT MT2XX /STP/ d) SWIFT MT2XX

a) EUR 3,00 per item or according to the agreement

b) EUR 1,00 per item or according to the agreement c) EUR 1,00 per item

3 STP clean payments (MT103 with OUR option) in favour of: a) Bank BPH customers

b) other banks’ customers

Payments for an amont up to EUR 100,00 or its equivalent in other currency

a) EUR 10,00 per item b) EUR 20,00 per item free of charge 4 STP clean payments (MT103 with SHA/BEN option) in favour of:

a) Bank BPH customers b) other banks’ customers

Payments for an amont up to EUR 100,00 or its equivalent in other currency

a) free of charge b) EUR 20,00 per item free of charge

5 Non STP clean payments. EUR 10,00 additionally

or by arrangements

6 Conditional payment order (in favour of Bank BPH customers only). 0.15% min EUR 35,00

max. EUR 150,00

(23)

8 Cancellation of payment instructions - non-executed

- executed (subject to beneficiary’s approval) EUR 25,00 EUR 35,00

9 Claims:

a) cases not older than 3 months b) cases older than 3 months

In case of Bank BPH mistake the commission/fee are not charged.

a) EUR 15,00 b) EUR 30,00

10 Confirmation of date and amount of crediting Customer’s account for ordering bank enquiry. EUR 10,00

11 Backvaluation. EUR 35,00

plus interest according to lombard rate of NBP

CHEQUES

Lp. Item Fees and commissions

C 1 2

1. Cheques for collection. 1,5% min. EUR 3,00

2. Stop payment to a cheque (per item). EUR 10,00 per item +

costs

COLLECTIONS

Lp. Item Fees and

commissions

D 1 2

1. Export collection - forwarding documents for collection. 0.15% min EUR 50,00

max. EUR 100,00

2. Execution of collection proceeds. EUR 30,00

3. Advising of import collection incoming. EUR 30,00

4. Acceptance of a draft for clean collection. 0.05% min. EUR 40,00

max. EUR 100,00 5. Release of documents without payment/ Return of documents not accepted by the drawee. EUR 40,00

6. Release of documents against payment. 0.15% min. EUR 60,00

max. EUR 150,00 7. Release of documents against acceptance of bill of exchange, against promissory notes, or commitment to

payment per drafts amount. 0.2% min. EUR 100,00 max. EUR 200,00

8. Partial execution of payment under documentary or clean collection. EUR 40,00

9. Cession or endorsement of rights arising from documents addressed to bank. EUR 50,00

10. Protesting a draft. EUR 100,00 + costs

11. Forwarding a copy of executed payment under collection directly to the customer. EUR 15,00

12. Amendment to collection instructions. EUR 30,00

DOCUMENTARY CREDITS

IMPORT L/CS

Lp. Item Fees and commissions

E 1 2

1. Pre-advising of opening L/C. EUR 25,00

2. Opening L/C - for each 3-months period of L/C validity.

Note: Commission is taken in advance for all known periods of maturity and is calculated per L/C amount together with possible tolerance given in L/C.

0.25 % min. EUR 150,00

References

Related documents

A jamming device transmits on the same radio frequencies as the cell phone, disrupting the communication between the phone and the cell phone base station in

● to further enhance classroom discourse in the form of student talk during ordinary natural science lessons and accommodate debates; debates develop and sharpen

As shown in Figure 5, most applicants did not suggest specific equity-focused strategies but instead implied their use, as in this 2010 application from a Midwestern state:

To help your cash generate the returns you want whilst managing risk, we can provide you with Wealth Treasury Deposits, as well as deposits with other banks and Money Market

Before dealing with sports training theory the essence of the training process in sports is established; the causative factors, the mechanisms and the rules governing the acquisition

Policy Guidelines on Courtesy Resignation Conduct of Career Service Examination- Professional Level on November 18, 2001 Amendment to Section 46 of the Uniform Rules

At low deformation true strain, the strain gradient is negligible mainly due to the relatively large characteristic microstructure length, so that the strain gradient hardening

In this paper iron doped indium oxide was prepared by the sol- gel method followed by a spin coating technique using indium nitrate hydrate, iron chloride hexahydrate and ethanol