VISA Gold, MasterCard Gold from January 1, 2012 for private individuals Exclusive international payment cards for private individuals. Along with the card without any additional fees is issued IAPA discount card ensuring discounts for hotel reservations and car rental services all over the world. Services and prices VISA Gold, MasterCard Gold In LVL In currencies Card issuance1 LVL 70 USD, EUR 120 Annual fee for the card maintenance 2 (along with IAPA cards) LVL 70 USD, EUR 120 Cash withdrawal 3,4 of the amount 1 0% 1.0% ATMs of AS DNB banka, AB DNB bankas (Lithuania), SEB banka and Swedbank min LVL 0.50 min USD, EUR 1.50 1.0% in AS DNB banka branches min LVL 1.00 min USD, EUR 1.50 2,0% at any other bank, ATMs of another bank min LVL 2.50 min USD, EUR 4 Purchases - within the teritory of the Republic of Latvia free of charge - abroad free of charge Cash pay-in at ATMs of AS DNB banka free of charge Replenishment of payment card accounts - by transfer pursuant to the payment rates - cash pay-in at the cash office free of charge (LVL 1.00 5) - ash pay-in at ATMs of AS DNB banka free of charge Issuance of the card account statement in the bank - once a month for the precedent calendar month 6 LVL 1 USD, EUR 2 - per any other precedent month LVL 1 USD, EUR 2 - per the entire utilization period (no more than one year) LVL 5 USD, EUR 10 Sending of the card account statement per sending - per mail within the territory of Latvia LVL 1 USD, EUR 2 abroad LVL 2 USD, EUR 4 per every SMS Sending of SMS on card transactions to the mobile phone LVL 0.06 (or equivalent in another currency) Service fee for account balance display at ATM At ATMs of AS DNB banka Free of charge At ATMs of other banks in Latvia and those of AB DNB banka in Lithuania LVL 0.20 USD, EUR 0.40 At ATMs abroad (if such service is offered) LVL 0.50 USD, EUR 1 Annual credit interest rate 18% Card account overdraft per annum p 33% LVL 6 USD, EUR 10 Penalty for overdue payments (per every overdue month) + 10 % p.a. of the negative balance Support of a closed card account (first charged 12 months after receipt of the customer's LVL 20 p.a. (or equivalent in another currency) written application to close the card account) Support of the account of the expired card (the service fee is charged every month if the LVL 0.50 per month USD, EUR 1.00 per month card has expired more than 12 months before) Urgent card production LVL 10 (or equivalent in another currency) (additonal fee for card issuance / prolongation / replacement) The card is produced within 3 hours after the documents are submitted to the Bank. The card can be received in 12 Skanstes St. Consideration of claim 7 C id ti f l i Free of charge Transaction documentation copy request LVL 5 Application of non-standard cash withdrawal limits for Visa, LVL 5 MasterCard cards Urgent overdraft LVL 5 1 The service fee is applied on issuance of every new card or replacement/producing of counterpart of the existing card. The fee shall be paid to the Bank by the customer within four business days after submitting to the Bank an application asking for the card issuance. 2 If the customer has applied for the card issuance before May 31, 2010 the annual card maintenance fee (also in case of replacement) is payable for the year to come: for the first year upon receipt/replacement of the card and further on by the respective calendar month the card was issued in. If the customer has applied for the card issuance after May 31, 2010 the annual maintenance fee is payable every year by the respective calendar month in, produce. the card was issued in starting from the year following the card produce 3 Daily cash withdrawal limits from ATMs: on Dynamic VISA, Galactico VISA Dynamic, Maestro cards LVL 1,000 (or equivalent in another currency), on VISA Classic, Galactico VISA Classic, MasterCard Standard, VISA Business, MasterCard Business cards LVL 1,500 (or equivalent in foreign currency), on VISA Gold, MasterCard Gold cards LVL 2,000 (or equivalent in foreign currency). 4 Cash withdrawal limit from ATMs over 30-day period on any type of cards: LVL 6,000 (or equivalent in foreign currency). 5 Seaparately is imposed a fee of LVL 1.00 when making cash pay-in at cash offices in Brivibas branch also in branches what is equipped with cash pay-in ATM: Riga, Agenskalna, Elizabetes, Purvciema. 6 Private individuals (except for individual merchants) who have not entered with the Bank into an agreement on the use of DNB Internet Banking, are eligible to free of charge card account statement at the Bank’s branch once a month by prior request. 7 customer’s If in relation to the customer s claim (chargeback) deriving from to the payment card transaction the latter provides the Bank with untrue information the customer shall reimburse to the Bank for its costs and/or loss incurred as the result of provision of such untrue information, including the cost for requesting and obtaining the transaction source documents and other payments effected by the Bank to any third parties involved in processing of the respective transaction in relation to consideration of the customer’s chargeback.