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					Акціонерний комерційний банк Україна, 01021, м. Київ, Кловський узвіз, 9/2, телефони інформаційного центру: +38 (044) 201-16-61 (цілодобово), 8-800-500-4-500 (безкоштовно зі стаціонарних телефонів у межах України).

Rates of JSCB “PRAVEX-BANK” on private credit payment cards – credit card “Universal - Action” 1, 8
# 1 2 Rates Card account opening Settlement service of 2.1. Basic card (annual)9 2.2. Supplementary card (annual) Settlement service of 2.1. Basic card (monthly) 2.2. Supplementary card (monthly) Immediate opening of card account (for branches – without taking into account time for transfer) for operations performance on basic /supplementary card 4.1.1 day 4.2.2 day 4.3.3 day 4.4.4 day Card account reissue while card validity term prolonging of: 5.1. Basic 5.2. Supplementary Settlement service prolonging (annual): 6 Visa Classic Free of charge $15 without VAT $10 without VAT $2,5 without VAT $2,5 without VAT

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4

$70 $40 $30 $20

without VAT without VAT without VAT without VAT

5 Free of charge Free of charge while validity term

6.1. Basic card 6.2. Supplementary card Settlement service while prolonging (monthly) of: 7.1. Basic card 7.2. Supplementary card Card account reissue:2

$15 without VAT $10 without VAT validity term

7 $2,5 without VAT $2,5 without VAT

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9 10

8.1. In case of loss/theft of card, fraud3 8.2. At card substitution in case of loss of PINcode or card damage 8.3. At card substitution in case of name, last name change Interests accrued on card account balance (monthly accrual) Minimal amount on card account on which interest are accrued 7 Commission for cash withdrawal (without taking into account additional commission of other banks): 11.1. In Bank’s network, and also in ATM’s of joint network with JSCB “Ukrsotsbank”, OJSE JSB “Ukrgazbank”, “Finance & Credit” Bank, JSCIB “UkrSibbank” 4 11.2. In banks located within Ukraine 11.3. In banks located outside Ukraine Payment for card account replenishment: 12.1. Cash in branches and outlets of Bank

$5 without VAT $5 without VAT $5 without VAT Interests amount accrued on account balance is approved by Bank’s order $400 / €400 Currency of account UAH

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3% min UAH 1 without VAT 4% + UAH 4 without VAT 4% + 3 $ without VAT 3% from amount, which exceed amount of monthly minimal payment Within monthly minimal payment – – during the period since 01.11.2007 free of charge to 31.05.2008

Акціонерний комерційний банк Україна, 01021, м. Київ, Кловський узвіз, 9/2, телефони інформаційного центру: +38 (044) 201-16-61 (цілодобово), 8-800-500-4-500 (безкоштовно зі стаціонарних телефонів у межах України).

12.2. Cashless transfer in Bank’s network Within monthly minimal payment – free of charge 13 Payment charged by Bank for cashless settlement in trade network Payment for money transfer from card account on card account in system of JSCB “PRAVEXBANK” via ATM 10: 14.1. at own expense 14.2. at the expense of credit means Basic interest rate for credit limit usage

3% from amount that exceeds amount of monthly minimal payment – during the period since 01.11.2007 to 31.05.2008

Free of charge

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15 16

Obligatory monthly minimal payment Fine for untimely repayment of credit limit or interests for usage of credit limit from debt 17 200 % from basic interest rate for usage of credit limit from debt amount amount (since the moment of its occurrence for every day of delay) Payment for usage of unauthorized overdraft 18 150% from basic interest rate for usage of credit limit (for every day of unauthorized overdraft) Fine for untimely repayment of unauthorized 19 overdraft or payment for unauthorized overdraft 200% from basic interest rate for usage of credit limit from debt amount usage (from debt amount for every day of delay) Temporal blockage of amount while authorizing Amount as commission for cash withdrawal and payment for conversion (if 20 (from amount of performed operation)5, 6 any) Payment for currency conversion while writing 21 1 % from amount written off from card account without VAT off from account Payment for statement about last 10 22 transactions, received via Bank’s ATM $ 0,2 without VAT 23.1. Statement from personal account – information about card account balance, received via ATM of JSCB “PRAVEX-BANK” $ 0,05 without VAT 23 23.2. Statement from personal account – information about card account balance, received via another bank’s ATM $ 0,35 without VAT 24 Card account closing $1 without VAT 1 – Payment for card account opening and settlement service is introduced by client on the date of application completion on opening and card account settlement. Commission is charged in UAH on settlement rate of Bank against US dollar. If amount of commission is introduced by cash in cash-desk, payment is performed in UAH on settlement rate of Bank on date of payment introduction. If commission amount is written off from card account, opened in UAH, then charge-off is performed on settlement rate of Bank against US dollar on date of charge-off. While cash withdrawing on clients’ cards of JSCB “PRAVEX-BANK” commission is written off automatically in system of emission on settlement rate, set by Bank. 2 – In case of reissue of card account before card validity term expires new card is made for the validity term of previous one, in case of card making for new validity term payment is charged in compliance with rates while card validity term prolonging. 3 – In case of fraud, card account can be reissued under Bank’s and client’s initiative. Payment for card account reissue under Bank’s initiative - $ 1. 4 – Rate is applied also at balance issue while card closure. 5 – Temporal blockage of means on card account is performed to prevent unauthorized overdraft. Deblockage is performed automatically while means writing off from card account (in several days). 6 – In case of conversion performance, 1% is additionally blocked to prevent unauthorized overdraft due to difference in foreign exchange. 7 – If card account balance constitutes less than set in it. 8 of these rates, interests on card account balance are not accrued. 8 –To minimize risk of unauthorized usage by clients’ means – payment card owner in case of loss /theft of card Bank sets limits on settlements on payment cards, which card account owner can cancel and set own limits for desired term (payment for service is charged in compliance with active rates of Bank on additional services).

0,5% + 0,1 $ without VAT 3%+0,1 $ without VAT National currency (UAH): Since 01.11.2007 to 31.01.2008 – Since 01.02.2008 – 30% annuals 0.01% annuals 5% from debt on credit

Акціонерний комерційний банк Україна, 01021, м. Київ, Кловський узвіз, 9/2, телефони інформаційного центру: +38 (044) 201-16-61 (цілодобово), 8-800-500-4-500 (безкоштовно зі стаціонарних телефонів у межах України).
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– In case of account opening for operations performance by card Visa Classic Unembossed payment is calculated on the basis of final term of usage of card. It is calculated as payment for annual settlement service for 12 months and multiplied on months quantity, which remained to the end of card validity term. 10 – Rate concerns payment cards, except for the cards of nonresidents’ cards, opened in foreign currency, under which this service is not performed. These rates are not fixed. Bank is entitled to add these rates at its own discretion, and also change rates within reasonable limits.


				
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