THE LIST OF COMMISSIONS

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THE LIST OF COMMISSIONS Powered By Docstoc
					                                         THE LIST OF COMMISSIONS
                                              - FOR INDIVIDUAL CUSTOMERS -




1.   The list of commissions is applicable for ordinary transactions. The transactions requiring special/ additional services
     as well as the transactions not included in the List will be supplementary considered.
2.   The mail costs, swift costs and other similar costs, as well as fees and commissions collected by other banks, will be
     added to the current List.
3.   The fees and commissions collected by National Bank of Romania/Transfond for inter-bank transfers in local currency
     are included in the related commissions, except the cases special stipulated in the List.
4.   The currency of the fees and commissions is the same with the currency of the transaction, equivalent of the amount
     of the commission as mentioned in the current list. In case the transaction currency is not the same with the account
     currency, the Bank will convert the fees and commissions using the NBR rate applicable for the respective transaction
     day.
5.   The commissions are entirely collected when performing the related transaction. The transactions, for which settlement
     period exceeds one year, are considered exceptions and in this case the collection of the commissions is performed
     on the moment settled on the transaction approval time. The fee for issuing letter of guarantees or lines for letter of
     guarantees having the availability period less than one year will be charged on the issuance date, and for the ones
     having the availability period over one year will be charged annually in the first working days.
6.   The commissions will be entirely charged on the applicant. In case that, according to the applicant instructions, the
     commissions are on beneficiary and the beneficiary refuse to pay them, the Bank will collect the commissions from the
     applicant of the service within 1 month, after the initial request.
7.   In case the level of the flat/minimum commissions exceeds 5% from the transaction amount, the Bank may decrease
     the commissions at maximum 5% from the transaction amount.
8.   The fees and commissions presented in the List do not include the VAT value, in case of services the Bank is VAT
     charged,
9.   The reverse transactions performed on Bank’s initiative are exempt from commissions.
10. The commissions related to transactions performed by authorized individuals are assimilated to the legal entities.
11. The cash withdrawal commission will not be charged in case of term deposit with fixed interest rate if the cumulative
    conditions are fulfilled: a) the deposit is set on a period higher or equal with 1 month; b) the withdrawal is made at the
    maturity day.
                                                                                    th
12. The provisions of the current List of Commissions come into force on 15 of December, 2009, any other contrary
    provisions being repealed.




                                     List of commissions for individual customers
                                                 - December 2009 -
A.    Current account fees
 No.                Product / Services                              In RON                                    In FCY
 1.      Opening current account (with or without                     Free                                     Free
         access through debit cards)
 2.      Current account maintenance
         - without access through debit card                     RON 3 / month                           EUR 0.75 / month
         - with access through VISA Electron                     RON 3 / month                            Not applicable
           Expenses, VISA Classic, VISA Gold,
           VISA Virtual debit card
         - with access through VISA Electron                   RON 0.00 / month                            Not applicable
           Payroll debit card, maintenance
 3.      Inactivity fee
         - current accounts without access                      RON 10 / month                             EUR 3 / month
            through debit cards
         - current accounts with access through                 RON 10/ month                              Not applicable
            VISA Electron Expenses, VISA
            Classic, VISA Gold, VISA Virtual debit
            cards
         - current accounts with access through                RON 0.00 / month                            Not applicable
            VISA Electron Payroll debit card
 4.      Issuing Account statement at customer
         request (newly issued/duplicated)
         -     on demand (for other period                     RON 5 /statement                          RON 5 /statement
              then monthly)
         -     monthly (one time)                                     Free                                     Free
 5.      Open Collector       account    for   fund                   Free                                     Free
         concentration
 6.      Debit fee applicable to Flexible Account     RON 5/transaction (over the standard          EUR1.5 / transaction for EUR
                                                       commission applicable to each type                     account or
                                                                of transaction)                  USD 2/ transaction for USD account
                                                                                                   (over the standard commission
                                                                                                      applicable to each type of
                                                                                                             transaction)


B. Cash operations
 No.                Product / Services                              In RON                                    In FCY
 1.      Cash withdrawal                                             0.5%                                     0.5%,
                                                                   min RON 2                                min EUR 2
 2.      Cash withdrawal not programmed*, for                          1%                                       1%
         amounts higher than
         RON 35,000
         EUR 10,000
 3.      Cash depositing                                              Free                                     Free
* The Bank has to be announced, at least 1 working day before cash withdrawal, for programming




                                               List of commissions for individual customers
                                                           - December 2009 -
C. Funds Transfers based on paper payment orders
 No.              Product / Services                               In RON                             In FCY
 1.    Outgoing payment Intra-banking                               Free                                Free
 2.    Outgoing payment Inter-banking                            0.15%                                 0.15%
                                                         min 3 RON - max 20 RON              min EUR 25 - max EUR 1,000


 3.    Outgoing payment Inter-banking                             RON 20                           EUR 25 + 0.15%
                                                                                             min 25 EUR – max 1.000 EUR
       issued under emergency


 4.    Outgoing payments related to execution of      RON 10 /payment in addition to               Not applicable
       garnishment                                    standard payment commissions
 5.    Incoming payment Intra-banking                               Free                                Free
 6.    Incoming payment Inter-banking                               Free                                Free


D. Funds Transfers based on e-bancamea payment orders
 No.              Product / Services                               In RON                             In FCY
 1.    Outgoing payment Intra-banking                               Free                                Free
 2.    Outgoing payment Inter-banking                            0.09%                                 0.15%
                                                        Min RON 1.8 – max RON 12             min EUR 25 - max EUR 1,000


 3.    Outgoing payment Inter-banking
       issued under emergency                                                                     15 EUR + 0.09%
                                                                  RON 12
                                                                                             Min 15 EUR – max 600 EUR

 4.    Incoming payment Intra-banking                               Free                                Free
 5.    Incoming payment Inter-banking                               Free                                Free


E. Funds transfers related services
 No.              Product / Services                               In RON                             In FCY
 1.    Investigations   for      incoming/outgoing                RON 20                              EUR 30
       payments
 2.    Application for modification of payment                    RON 30                              EUR 30
       orders
 3.    Application for cancellation of payment                    RON 40                              EUR 50
       orders
 4.    Confirmation of payment                                 Not applicable                         EUR 20
 5.    Intra-bank Direct debit                                      Free                                Free

F. Funds Transfers (based on cheques and promissory notes)
 No.              Product / Services                               In RON                             In FCY
 1.    Outgoing payment Intra-banking                               Free                                Free
 2.    Outgoing payment Inter-banking                 Debit Instruments         RON 10                 0.15%
                                                     settled electronically                         min EUR 25
                                                      Debit Instruments         RON 13             max EUR 1,000
                                                      settled on paper
 3.    Incoming payment Intra-banking                               Free                                Free
 4.    Incoming payment Inter-banking                               Free                                Free


                                              List of commissions for individual customers
                                                          - December 2009 -
F. Other operations with cheques/ bills of exchanges/ promissory notes
No.               Product / Services                               In RON                                In FCY
 1.    Remittance for collection (applicable to       Free (only postal tax is charged)                  0.30%
       debit instruments in old format)                                                               min EUR 10
                                                                                                      max EUR 500
 2.    Issuing of debit instruments for bank’s                      Free                                  0.5%
       customers                                                                                       min EUR 10
 3.    Cheques given back as not paid by the         Free – only NBR fees are charged         Only the correspondent banks’
       correspondent banks                                                                             commission
 4.    Confirmation of cheques authenticity                    Not applicable                            EUR 20
 5.    Payment refusal of debit instruments (due      Debit Instruments          RON 10               Not applicable
       to lack of funds)                             settled electronically
                                                      Debit Instruments          RON 13
                                                      settled on paper


G. Other Operations
 No.              Product / Services                               In RON                                In FCY
 1.    Sending account statement by fax                      RON 5 / statement                      EUR 1 / statement
 2.    Issuing performance letters for customers                  RON 40                                 EUR 20
 3.    Information supplied to auditors                           RON 70                                 EUR 20
 4.    E-bancamea monthly maintenance                               Free                                   Free
 5.    E-bancamea Digipass                                          Free                                   Free
 6.    SWIFT messages:
       - In Romania                                            Not applicable                       EUR 20 /operation
       - Abroad                                                                                     EUR 20/ operation


H. Trade Finance related products and services
1. Conditioned payment orders/ Documentary payment orders – ISSUED
 No.              Product / Services                               In RON                                In FCY
  1.      Conditioned payment orders/ Documentary payment orders – ISSUED
  This product will be mainly used in case the customer refinances loans granted by other banks by BROM loans.
 1.1   Issuing commission                                          EUR 10                                EUR 10
 1.2   Amendment                                                   EUR 5                                 EUR 5
 2. Conditioned payment orders/ Documentary payment orders – RECEIVED
 This product will be mainly used in case the customer refinances loans granted by other banks by BROM loans
 2.1   Advising/Notification                                      0.20%                                  0.20%
                                                               min EUR 20                             min EUR 20
                                                               max EUR 400                            max EUR 400
 2.2   Amendment                                                   EUR 20                                EUR 20
 3. LETTER OF GUARANTEE - ISSUED
 3.1   Analysis fee for issuing L/G or line for     Min. EUR 20 for LG < RON 10,000       min. EUR 20 for LG < RON 10,000
       issuing L/Gs                                 min EUR 40 for LG > RON 10,000        min EUR 40 for LG > RON 10,000
 3.2   Issuing fee for L/Gs or line of L/Gs           1. Guarantees with 0% risk level:      1. Guarantees with 0% risk level:
                                                              0.25% / quarter                        0.25% / quarter
                                                               min. RON 15                            min. EUR 50
                                                           2. Other guarantees:                   2. Other guarantees:
                                                              0.75% / quarter                        0.75% / quarter


                                              List of commissions for individual customers
                                                          - December 2009 -
 No.              Product / Services                               In RON                               In FCY
                                                                min RON 15                           min EUR 50
 3.3   Payments related to execution of L/Gs             Standard fees for payments           Standard fees for payments
 4. LETTER OF GUARANTEE – RECEIVED
4.1    Advice/remittance to the beneficiary of the                 EUR 20                               EUR 20
       received L/Gs (including amendments)
4.2    Request of payment        in execution for                 RON 30                                EUR 30
       received L/Gs
4.3    Confirmation of L/Gs                              negotiable, min issuing fees         negotiable, min issuing fees


4.4    Verification of authorized signatures for                  RON 30                                EUR 15
       L/Gs / modifications received directly by
       the bank customers




                                               List of commissions for individual customers
                                                           - December 2009 -