SCHEDULE OF FEES AND CHARGES COLLECTED BY BANK ZACHODNI WBK S.A. FOR BANKING SERVICES PROVIDED TO BUSINESS CUSTOMERS

SCHEDULE OF FEES AND CHARGES COLLECTED BY BANK ZACHODNI WBK S.A. FOR BANKING SERVICES PROVIDED TO BUSINESS CUSTOMERS

SCHEDULE OF FEES AND CHARGES COLLECTED BY BANK ZACHODNI WBK S.A. FOR BANKING SERVICES PROVIDED TO BUSINESS CUSTOMERS

PART I FEES AND CHARGES COLLECTED FOR BANKING ACTIVITIES PROVIDED TO SMALL AND MICRO COMPANIES. Effective as of 1 February 2012

CONTENTS CHAPTER 1 GENERAL PROVISIONS ........................................................................................................................................................................................... 3 CHAPTER 2 CURRENT ACCOUNTS............................................................................................................................................................................................. 5 CHAPTER 3 CUSTODIAN ACCOUNTS ......................................................................................................................................................................................... 9 CHAPTER 4 TERM DEPOSITS ....................................................................................................................................................................................................... 9 CHAPTER 5 ELECTRONIC BANKING SERVICES...................................................................................................................................................................... 9 CHAPTER 6 PAYMENT CARDS ................................................................................................................................................................................................... 10 CHAPTER 7 OTHER PAYMENTS INSTRUMENTS ................................................................................................................................................................... 12 CHAPTER 8 FOREIGN CURRENCY TRANSACTIONS ............................................................................................................................................................. 12 CHAPTER 9 LOANS AND LOAN-RELATED SERVICES .......................................................................................................................................................... 14 CHAPTER 10 SECURITIES ACCOUNTS OPERATED IN BZ WBK HEAD OFFICE AND OTHER ACTIVITES RELATED TO HANDLING OF TREASURY TRANSACTIONS ....................................................................................................................................................................................................... 16 CHAPTER 11 OTHER FEES AND CHARGES............................................................................................................................................................................. 16 APPENDIX NO. 1 INSURANCE .................................................................................................................................................................................................... 18 APPENDIX NO.2 SETTLEMENT ACCOUNTS WITHDRAWN FROM THE OFFERING FOR SMALL AND MICRO COMPANIES............................... 20

2

SCHEDULE OF FEES AND CHARGES COLLECTED BY BANK ZACHODNI WBK S.A. FOR BANKING SERVICES PROVIDED TO BUSINESS CUSTOMERS

CHAPTER 1 GENERAL PROVISIONS 1. Bank Zachodni WBK S.A., hereinafter referred to as BZ WBK,collects fees and charges for banking activities provided to Small and Micro Companies as per Part I hereof. 2. Fees and charges are set in Polish zloty or in foreign currencies. 3. In the case of operations denominated in foreign currencies, the basis for setting the amount of fees and charges is: a) PLN equivalent of the operation amount - in the case of fees and charges stated in PLN, b) operation amount - in the case of fees and charges denominated in foreign currencies. In the case of fees and charges denominated in PLN, the conversion is made at the average NBP rate applicable on the day of collecting the fee/charge, except for fees/charges related to: - service of fx loans and guarantees (excluding early advice, indirect and confirmed guarantees) - converted at the fx buy/sell rate for foreign currencies applicable in BZ WBK, - purchase/sale of fx currencies at the BZWBK cash desks - converted at buy/sell rate applicable in BZWBK, - realization in convertible currency of collections and letters of credit - converted at buy/sell rate for foreign currencies applicable in BZWBK. 4. In the case of costs of foreign banks denominated in a currency other than the currency in which they will be collected, the conversion is made at the average NBP rate applicable on the day of collecting costs, except for costs of operations related to the realization in convertible currency of collections and letters of credit, early advice, indirect and confirmed guarantees - converted at the sell rate for foreign currencies applicable in BZ WBK. 5. Fess and charges are collected: a) on the instruction placement or execution day, or b) monthly, on the last day of a given month or two-weekly, on the 15th day and the last day of a given month - applies to fees and charges for: account maintenance, transfers (including an additional fee for a transfer of up to PLN 1m executed in the SORBNET system), direct debits, cash lodgements made by an account holder to his/her account, cash withdrawals from an account made in BZ WBK branches, statements and confirmations of operations appended to a statement, or c) on other dates indicated herein with regard to individual fees and charges or in agreements concluded between the customer and BZ WBK. 6. The rule whereby fees and charges are collected regularly, referred to in item 5, sub-item b) is adhered to (subject to items 7 and 15) in the following manner: a) The monthly account fee is collected on a monthly basis and calculated for each commenced calendar month, including a total fee for executed transactions and statements/ confirmations of operations appended to statements made available from the first day of a given month to the last day of that month, inclusive. The rule referred to in this sub-item applies to fees and charges listed in one of the following Tariffs: Taryfa Biznes Pakiet Minimum, Taryfa Biznes Pakiet Optimum, Taryfa Biznes Pakiet Maximum, Taryfa Biznes Pakiet MINI, Taryfa Biznes Pakiet OPTI, Taryfa Biznes Pakiet MAXI; b) The account fee totalling half of the monthly fee is collected every two weeks and calculated for each commenced account handling cycle, including a total fee for executed transactions and statements/ confirmations of operations appended to a statement made available in a given cycle, i.e. from the first day of a given month to the 15th day of the month and from the 16th day of the month until the last day of the month, inclusive. The rule referred to in this sub-item applies to fees listed in tariffs other than those indicated in sub-item a); c) The regular fee collection rule does not apply to fees and charges defined herein as “additional” (taking account of exceptions listed above) and to accounts subject to execution seizure where the execution was instituted prior to 07.12.2006 and which are charged with fees after closing the execution process. 7. If the customer places an instruction to change a tariff which is subject to the monthly collection of fees into a tariff with the same fee collection cycle, the fees and charges referred to in item 5, sub-item b) and item 6 will be collected as per the new tariff for the whole calendar month when the tariff was changed. If the customer places an instruction to change a tariff subject to a two-week fee collection cycle into a tariff with a monthly cycle: a) if the instruction is placed by the 15th day of a calendar month inclusive, the fees and charges referred to in item 5, sub-item b) and item 6 will be collected as per the new tariff for the whole month when the tariff was changed; b) if the instruction is filed after the 15th day of a month, the fees and charges referred to in item 5, sub-item b) and item 6 will be collected as per the new tariff starting from the next calendar month. 8. Fees and charges due are paid by the party that orders a transaction unless the parties to a given transaction agreed otherwise or the instruction submitted states otherwise and BZWBK accepts it. Fees and charges not paid by the other party within 3 months are charged to the party ordering the banking operation. 9. Amounts of collected fees and charges are rounded based on commonly applicable principles. 10. For services ordered by domestic and international customers, the following fees and charges are collected, apart from those listed in this Schedule: a) fees and charges collected by banks acting as agents, while effecting an order, b) fees and charges for telecommunication and postal services for domestic and international transactions, c) fees for post sent by courier at a Customer’s request. 11. Fees and charges for banking services are not collected for: a) operations related to the repayment of receivables of Bank Zachodni WBK S.A. or its subsidiaries, irrespective of their type, excluding the repayments of revolving loans and overdrafts,

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SCHEDULE OF FEES AND CHARGES COLLECTED BY BANK ZACHODNI WBK S.A. FOR BANKING SERVICES PROVIDED TO BUSINESS CUSTOMERS

b) cash withdrawals made on the account closure, c) cash lodgements made by a BZWBK customer due to the payment of the tax for civil-legal activities, if the tax payment is related to services provided by BZWBK. 12. Fees and charges related to settlement accounts referred to in chapters which do not contain break-downs into pricing tarrifs apply to accounts maintained in all types of pricing tarrifs. 13. Current account operated under individually set terms and conditions is an account with a different interest rate than the standard one, with diferent level of fees and charges or with fees collected in a different manner than the one defined in this Schedule (re. fees and charges referred to in item 5 sub-item b). Among all the customer’s PLN accounts operated on separately set conditions, the first account is the one for which the account maintenance fee has been set at the level most similar to the basic fee (rachunek o najmniejszej uldze). 14. For the purposes of this Schedule of Fees and Charges, the average balance in the settlement account is calculated in the following manner: a) for fees collected on the 15th day of each month; this is a sum of all balances in a given current account at the end of each day in the period from the last day of the last month until the 14-th day of the current month, divided by 15, b) for fees collected on the last day of a given month: this is a sum of balances in a given account as at the end of each day in the period from: - the 15th day of a month to the penultimate day of the month inclusive (applies to fees collected two-weekly, as indicated in item 5, sub-item b), - the last day of the previous month to the penultimate day of the current month inclusive (applies to fees collected monthly, as indicated in item 5, sub-item b). 15. The account fee is collected for each commenced calendar month with a reservation that in case of an account opened after the 15th day of a given month and an account closed before the 15th day of a given month, the collected account fee totals half of the monthly fee specified in the Schedule of Fees and Charges applicable to a given account type. The above rule whereby fifty percent of the monthly fee is waived does not apply to accounts for which fees are collected monthly. 16. Fees for transfers to an account in another bank do not refer to funds transferred in a foreign currency to accounts of domestic banks and to transfers to accounts in foreign banks – fees for the delivery of these transactions are collected in line with the fees for withdrawal orders. 17. Fees and charges for transfers/ cash lodgements / payment orders/ direct debits made to an account held with BZ WBK apply also to the above transactions executed through accounts of BZ WBK subsidiaries and BZ WBK Partner outlets, i.e. agency outlets of BZWBK operating under “Bank Zachodni WBK Partner” brand. 18. If not specified otherwise in individual chapters of the Schedule of Fees and Charges or other regulations, the fees and charges applicable in BZWBK branches refer also to banking operations for businesses executed in BZWBK Partner outlets. 19. BZ WBK will not notify customers of such changes to this Schedule of Fees and Charges which will consist only in introducing new types of products or services to the BZ WBK’s proposition and of changes to the products which are not an object of the agreement that the customer has signed with the Bank.

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SCHEDULE OF FEES AND CHARGES COLLECTED BY BANK ZACHODNI WBK S.A. FOR BANKING SERVICES PROVIDED TO BUSINESS CUSTOMERS

CHAPTER 2 CURRENT ACCOUNTS Item

Specification of operation

1.

2.

Accounts: 1. Operating an account (monthly)

Biznes Pakiet MINI Tariff

Biznes Pakiet OPTI Biznes Pakiet MAXI Tariff Tariff

Biznes Pakiet Optimum Tariff

Tariff for Professionals*

Tariff for Agrobusiness** in PLN

Negotiated Tariff *** in PLN and foreign currencies

in PLN

in PLN

in PLN

in foreign currencies

in PLN

3.

4.

5.

6.

7.

8.

9.

PLN 9.99

PLN 25 1)

PLN 60 2)

PLN 25 1) 2)

PLN 30

PLN 6

PLN 30 / PLN 150 (it relates to the first current account in PLN operated on individually agreed conditions)

1) Charge in the promotion period 3) for Holders of PLN accounts who on the date of opening an account have run business activities for less than 12 months

free of charge - for 9 months

free of charge - for 9 months

free of charge - for 9 months

-

free of charge - for 6 months

-

-

NOTE: 1) Holders of current accounts under Biznes Pakiet OPTI Tariff are entitled to a waiver of charge for additional current accounts available under Biznes Pakiet OPTI: - 1 account in EUR under Biznes Pakiet Optimum Tariff, and - 1 account in PLN under Biznes Pakiet OPTI Tariff. 2) Holders of current accounts under Biznes Pakiet MAXI Tariff are entitled to a waiver of charge additional current accounts available under Biznes Pakiet MAXI: - 1 account in EUR, USD, GBP or CHF under Biznes Pakiet Optimum Tariff, and - 50 accounts in PLN under Biznes Pakiet MAXI Tariff. 3) The promotion period starts running on the date of opening the account.

2. Transfers 1) Transfer placed at a BZ WBK branch: a) to a BZ WBK account1) b) to an account with another bank - executed in ELIXIR - executed in SORBNET 2) Transfer order placed electronically: a) to a BZ WBK account b) to an account with another bank - executed in ELIXIR - executed in SORBNET

PLN 5

PLN 4

PLN 3

free of charge

PLN 3

free of charge

PLN 2

PLN 9 PLN 15

PLN 7 PLN 15

PLN 7 PLN 15

PLN 15

PLN 7 PLN 15

PLN 7 PLN 15

PLN 6 PLN 15

free of charge

free of charge

free of charge

free of charge

free of charge

free of charge

free of charge

free of charge 2) / PLN 1.50 PLN 1.50

free of charge 2)/ PLN 1 PLN 1

free of charge 2)/ PLN 0.70 PLN 0.70

-

PLN 1

PLN 1

PLN 2

-

PLN 1

PLN 1

PLN 2

SCHEDULE OF FEES AND CHARGES COLLECTED BY BANK ZACHODNI WBK S.A. FOR BANKING SERVICES PROVIDED TO BUSINESS CUSTOMERS

Item

Specification of operation Accounts: 3) Additional fee for a transfer of PLN 1m or less in SORBNET system

Biznes Pakiet MINI Tariff

Biznes Pakiet OPTI Biznes Pakiet MAXI Tariff Tariff

Biznes Pakiet Optimum Tariff

Tariff for Professionals*

Tariff for Agrobusiness**

Negotiated Tariff *** in PLN and foreign currencies

in PLN

in PLN

in PLN

in foreign currencies

in PLN

in PLN

PLN 95

PLN 95

PLN 95

-

PLN 95

PLN 95

PLN 95

NOTE: 1) Fees for transfers to an account with BZ WBK are not collected if the transfers are made from PLN accounts to credit accounts and term deposits as well as when the transfers are made from fx accounts. 2) It relates to transfers to accounts with ZUS and Tax Office.

3. Standing and variable orders made at a BZ WBK branch or via electronic banking services 1) effecting an order to an account with BZ WBK 2) effecting an order to an account with another bank: a) standing order b) variable order 4. Direct Debit 1) Crediting the creditor’s account in relation to the execution of the direct debit order 2) Passing a message to the creditor on a refusal to effect the direct debit order by the debtor’s bank – for each refusal message 3) Effecting a direct debit order from a debtor’s account to the creditor’s account operated with: a) BZ WBK b) another bank

free of charge

free of charge

free of charge

free of charge

free of charge

free of charge

free of charge

PLN 1.50 PLN 5

PLN 1.50 PLN 5

PLN 1.50 PLN 5

-

PLN 1.50 PLN 5

PLN 1.50 PLN 5

PLN 1.50 PLN 5

PLN 0.30

PLN 0.30

PLN 0.30

-

PLN 0.30

PLN 0.30

PLN 0.30

PLN 1

PLN 1

PLN 1

-

PLN 1

PLN 1

PLN 1

free of charge PLN 1

free of charge PLN 1

free of charge PLN 1

-

free of charge PLN 1

free of charge PLN 1

free of charge PLN 1

NOTE: Fees specified in items 1) –2) are collected from the creditor, while fees referred to in item 3) are collected from the debtor.

5. Cash lodgement 1 Cash lodgment made by the account holder at: a) BZ WBK branch b) deposit ATM (re. lodgements in PLN) 2) Lodgement effected under own name of the payer who is not the account holder 3) Additional fees and charges are collected for: a) lodgement in coins convertible currencies

0.5% min. PLN 6

0.5% min. PLN 5

0.4% min. PLN 4

0.4% min. PLN 4

0.2% min. PLN 4

0.2% min. PLN 2

0.4% min. PLN 4

0.2% min. PLN 2

0.2% min. PLN 2

0.2% min. PLN 2

0.2% min. PLN 2

0.2% min. PLN 2

0.2% min. PLN 2

0.2% min. PLN 2

0.5% min. PLN 6

0.5% min. PLN 6

0.5% min. PLN 6

0.5% min. PLN 6

0.5% min. PLN 6

0.5% min. PLN 6

0.5% min. PLN 6

-

-

-

60%

-

-

60%

6

SCHEDULE OF FEES AND CHARGES COLLECTED BY BANK ZACHODNI WBK S.A. FOR BANKING SERVICES PROVIDED TO BUSINESS CUSTOMERS

Item

Specification of operation Accounts:

b) lodgement in coins - Polish currency - in excess of 50 items (it does not apply to payments of cash kept in a closed packaging: envelope/wallet) c) night vault - containers for keeping cash (e.g. coin bags, wallets, caskets) and keys to a night vault etc. d) sealed lodgement – prepared in breach of the agreement /declaration (e.g. inaccurate preparation of a safe envelope, lodgement prepared in a disorderly fashion) 6. Cash withdrawal in BZWBK Branch 1) Non-adviseded withdrawal (additional fee)

Biznes Pakiet MINI Tariff

Biznes Pakiet OPTI Biznes Pakiet MAXI Tariff Tariff

Biznes Pakiet Optimum Tariff

Tariff for Professionals*

Tariff for Agrobusiness**

Negotiated Tariff *** in PLN and foreign currencies

in PLN

in PLN

in PLN

in foreign currencies

in PLN

in PLN

0.5% min. PLN 10

0.5% min. PLN 10

0.5% min. PLN 10

0.5% min. PLN 10

0.5% min. PLN 10

0.5% min. PLN 10

0.5% min. PLN 10

purchase price + 30%

purchase price + 30%

purchase price + 30%

purchase price + 30%

purchase price + 30 %

purchase price + 30%

purchase price + 30 % Sformatowana tabela

PLN 40

PLN 40

PLN 40

PLN 40

PLN 40

PLN 40

PLN 40

0.2% min. PLN 6

0.2% min. PLN 5

0.2% min. PLN 4

0.2% min. PLN 4

0.1% min. PLN 4

0.2% min. PLN 2

0.2% min. PLN 4

0.15 %

0.15 %

0.15 %

0.15 %

0.15 %

0.15 %

0.15 %

NOTE: 1) The fee indicated in item 1 is calculated on the difference between the withdrawn amount and the amount assigned for advising. 2) Fees and charges for cash withdrawal with the use of payment cards are specified in chapter 6.

7. Failure to collect advised amount at the agreed date (on the uncollected amount) 8. Cheques in domestic trading 1) Ordering cheque forms (for one cheque form) 2) Mailing ordered cheque forms 3) Cheque confirmation 4) Cheque collection

0.15 %

0.15 %

0.15 %

0.15 %

0.15 %

0.15 %

0.15 %

PLN 1

PLN 1

PLN 1

-

PLN 1

PLN 1

PLN 1

PLN 6 PLN 15 PLN 20

PLN 6 PLN 15 PLN 20

PLN 6 PLN 15 PLN 20

-

PLN 6 PLN 15 PLN 20

PLN 6 PLN 15 PLN 20

PLN 6 PLN 15 PLN 20

NOTE: Fee for ordering cheque forms and mailing them is collected upon the order placement.

9. Account statement 1) eWyciąg – sent in an electronic version – as part of electronic banking service 2) in the form of SWIFT MT940 message (fee for a message) 3) in the paper form from (for each generated statement):

free of charge

free of charge

free of charge

free of charge

free of charge

free of charge

free of charge

PLN 5

PLN 5

PLN 5

PLN 5

PLN 5

PLN 5

PLN 5

7

SCHEDULE OF FEES AND CHARGES COLLECTED BY BANK ZACHODNI WBK S.A. FOR BANKING SERVICES PROVIDED TO BUSINESS CUSTOMERS

Item

Specification of operation Accounts: a) sent by ordinary mail once a month or less frequently to Customers who do not avail of BZWBK24 Internet electronic banking services b) sent by ordinary mail once a month or less frequently to Customers who avail of BZWBK24 Internet electronic banking services **** c) sent by ordinary mail more often than once a month or upon each balance change d) collected in BZWBK Branch e) sent via registered mail 4) statement duplicate 5) appendix (original document) or copy – confirmation of a single operation attached to the statement (for each item on the statement) 6) storage of statements for longer than one month (for each month commenced)

Biznes Pakiet MINI Tariff

Biznes Pakiet OPTI Biznes Pakiet MAXI Tariff Tariff

Biznes Pakiet Optimum Tariff

Tariff for Professionals*

Tariff for Agrobusiness**

Negotiated Tariff *** in PLN and foreign currencies

in PLN

in PLN

in PLN

in foreign currencies

in PLN

in PLN

free of charge

free of charge

free of charge

free of charge

free of charge

free of charge

free of charge

PLN 5

PLN 5

PLN 5

PLN 5

PLN 5

PLN 5

PLN 5

PLN 5

PLN 5

PLN 5

PLN 5

PLN 5

PLN 5

PLN 5

PLN 10 PLN 15 PLN 5

PLN 10 PLN 15 PLN 5

PLN 10 PLN 15 PLN 5

PLN 10 PLN 15 PLN 5

PLN 10 PLN 15 PLN 5

PLN 10 PLN 15 PLN 5

PLN 5 PLN 10 PLN 5

PLN 0.50

PLN 0.50

PLN 0.50

PLN 0.50

PLN 0.50

PLN 0.50

PLN 0.50

PLN 10

PLN 10

PLN 10

PLN 10

PLN 10

PLN 10

PLN 10

PLN 100

free of charge

NOTE: 1) eWyciąg is available to customers who avail of e-banking services. 2) Fee for the statement sent by registered mail pertains to accounts for which this form of obtaining statements had been applied before 16/09/2006. Since 16/09/2006, this service has not been available.

10. Change of the tariff applicable to the account (not applicable to transfers to/ from the Negotiated Tariff applicable to accounts operated on individually agreed conditions)

PLN 100

PLN 100

PLN 100

PLN 100

PLN 100

* Applies to current accounts operated on standard terms & conditions for Biznes Pakiet holders and Professionals. ** Applies to current accounts operated on standard terms & conditions for Agro Pakiet holders. *** Applies to current accounts operated based on individually agreed conditions, including accounts which on the day preceding 01.10.2010 were operated according to individually agreed conditions set out in the Standard Tariff. **** The charge becomes effective as of 01.04.2012.

8

SCHEDULE OF FEES AND CHARGES COLLECTED BY BANK ZACHODNI WBK S.A. FOR BANKING SERVICES PROVIDED TO BUSINESS CUSTOMERS

CHAPTER 3 CUSTODIAN ACCOUNTS Ref.

Operation

1.

2.

Rate 3.

1. First account maintenance

contractual fee

CHAPTER 4 TERM DEPOSITS Item

Specification of operation

1.

Fee

2.

1. 2. 3. 4. 5. 6. 7. 8. 9. 10.

3.

Operating a deposit account Cash lodgement into a deposit account Lodgement in coins - convertible currencies Lodgement in coins - Polish currency - in excess of 50 items Cash withdrawal from f/x deposit account Order to transfer funds from the deposit account to the account maintained with another bank (re. management of interest or capital at interest availability dates or upon the lapse of the contractual period) Transfer of funds from the closure of the deposit account before the lapse of the contractual period to an account maintained with another bank Deposit account statement Statement duplicate Storage of statements for longer than one month (for each month commenced)

free of charge free of charge 60% 0.5% min. PLN 10 0.25% min. PLN 7 PLN 7 PLN 7 Free of charge PLN 5 PLN 10

CHAPTER 5 ELECTRONIC BANKING SERVICES Item

Specification of operation

Fee

1.

2.

3.

1. MINIBANK24 1) Activating service 2) Subscription fee (collected up-front by the 5th day of each month) 3) First three chips 4) Another chip 5) First two readers 6) Another reader or its replacement 7) Services related to Minibank24 stemming from improper use of the service or driven by factors beyond BZ WBK control 2. BZWBK24 1) Access to BZWBK24 e-banking services: a) BZWBK24 services b) BZWBK24 services, Moja Firma plus package/ My Company plus package (for each month commenced) 2) Token dispatch

9

PLN 300 PLN 120 free of charge PLN 60 free of charge PLN 100 PLN 250

free of charge PLN 55 PLN 70

SCHEDULE OF FEES AND CHARGES COLLECTED BY BANK ZACHODNI WBK S.A. FOR BANKING SERVICES PROVIDED TO BUSINESS CUSTOMERS

3) Sending smsCode at the customer’s request

PLN 0.20

NOTE: First 5 smsCodes in a given month are sent free of charge.

4) Sending a text message via BZWBK24 sms service (for one message)

PLN 0.30

NOTE: The fees referred to in 1), 3) and 4) are collected on the 5th day of a calendar month following the month in question.

3. Alerty24 Moje Pieniądze Package (Alerty24 My Money) 1) package use (for each month commenced) 2) sending an alert in the form of a text message (for one message)

PLN 10 PLN 0.30

NOTE: 1) Within the fee for Alerts24 My Money package, 20 alerts are available in the form of text messages (sms) and an unlimited number of alerts in the form of e-mail. Fee indicated in sub-item 2) is collected for each additional alert, exceeding the number of alerts available within the fee for using the package. 2) Fees referred to in item 4. are collected on the 5 th day of a calendar month following the month they refer to.

4. Bezpieczny Transfer Pliku (BTP)/ Safe File Transfer (SFT) 1) First two chips free of charge 2) Another chip PLN 60 3) First reader free of charge 4) Another reader PLN 100 5) Services related to BPT system stemming from improper use of the system or driven by factors beyond BZ WBK control PLN 250 NOTE: For execution of orders, transactions and requests submitted via e-banking services, fees and charges are collected as listed in other Chapters of this Schedule of Fees and Charges.

CHAPTER 6 PAYMENT CARDS BZ WBK Visa Business Card (with individual limit of expenses)

BZ WBK Visa Business Charge Card

BZ WBK Visa Business Gold Charge Card

BZ WBKVisa Business in EUR

Item

Specification of operation

BZ WBK Visa Business Electron Card

1.

2.

3.

4.

5.

6.

7.

free of charge / PLN 7 ** free of charge / PLN 5 ** free of charge / PLN 5 **

PLN 130 *

PLN 130 *

PLN 300 *

-

PLN 130 *

PLN 130 *

PLN 300 *

EUR 25 *

1. Card fee: 1) for the card issued for the PLN-denominated account maintained in the Tariff: a) Biznes Pakiet MINI b) Biznes Pakiet OPTI c) Biznes Pakiet MAXI 2) Card issued to the account operated under other tariff than the one listed in item 1)

free of charge *** / PLN 25 *

NOTE: * Annual fee ** Monthly fee is collected in the event the Bank did not settle any non-cash transaction with the use of the card in the previous calendar month *** It applies to the first card issued to an account for a given Holder in the first year of using the card, if at least 3 non-cash transactions with the use of that card are executed and settled within 3 months of signing a payment card agreement.

2. Arrangement fee calculated on the amount of the limit to be authorised (one off payment)

-

-

1%

1%

-

NOTE: The arrangement fee does not refer to renewed cards and in the case of filing the request for more than one payment card, the fee charged is calculated on the total of the sanctioned limits.

3. Express production of a new card (up to 5 business days after the date of signing the Payment Card Agreement by the customer) 4. Issue of a card duplicate

PLN 30

PLN 50

PLN 50

free of charge

EUR 15

PLN 10

PLN 10

PLN 10

PLN 10

EUR 2.50

10

SCHEDULE OF FEES AND CHARGES COLLECTED BY BANK ZACHODNI WBK S.A. FOR BANKING SERVICES PROVIDED TO BUSINESS CUSTOMERS

Item

Specification of operation

BZ WBK Visa Business Electron Card

BZ WBK Visa Business Card (with individual limit of expenses)

BZ WBK Visa Business Charge Card

BZ WBK Visa Business Gold Charge Card

5. Issuing a substitute card abroad as per the fee charged by Visa International, currently the PLN equivalent of USD 1851)

6. Cash withdrawal with a card 1) from BZ WBK 24 ATM network 2) in Poland: in ATMs outside BZWBK24 network, in BZ WBK outlets, BZ WBK partner outlets and in terminals of other institutions 3) in ATMs and terminals of other institutions abroad 4) cash back service

BZ WBKVisa Business in EUR

free of charge

as per the fee charged by Visa International, currently the PLN equivalent of USD 1851)

free of charge

3% min. PLN 5

3% min. PLN 5

3% min. PLN 5

3% min. EUR 1.50

free of charge * / PLN 5 ** / 3,5% min. PLN 5

3,5% min. PLN 5

3,5% min. PLN 5

3,5% min. PLN 5

3,5% min. EUR 1.50

4% min. PLN 10

4% min. PLN 10

4% min. PLN 10

4% min. PLN 10

free of charge

-

-

-

4% min. EUR 3 -

NOTE: * It applies to cards issued to accounts under Biznes Pakiet MAXI Tariff ** It applies to cards issued to accounts under Biznes Pakiet OPTI Tariff

7. Emergency cash withdrawal abroad

1.2%

1.2%

as per the fee charged by Visa International, currently the PLN equivalent of USD 103 1) free of charge

free of charge

free of charge

free of charge

free of charge free of charge

free of charge free of charge

free of charge EUR 1

Free of charge

Free of charge

EUR 0.35

PLN 8.50

PLN 8.50

EUR 2

PLN 10

PLN 10

EUR 2.50

as per the fee charged by Visa International, currently the PLN equivalent of USD 103 1) 8. Effecting non-cash transaction free of charge free of charge 9. Currency conversion for a foreign transaction effected in a currency other than EUR 2.8% free of charge (the fee is automatically added to the transaction value) 10. Generating a history of transactions 1) for a company (collective) PLN 3 free of charge 2) for a card holder PLN 5 PLN 5 11. Checking the balance of available funds in PLN 1.50 PLN 1.50 ATMs 12. Change of PIN in the following ATM networks PLN 8.50 PLN 8.50 BZWBK24 13. Generation of a new PIN for a card at the PLN 10 PLN 10 holder's request 1) Calculated at the Bank’s fx sell rate applicable as at the day of settling the fee by Visa International.

11

free of charge

SCHEDULE OF FEES AND CHARGES COLLECTED BY BANK ZACHODNI WBK S.A. FOR BANKING SERVICES PROVIDED TO BUSINESS CUSTOMERS

CHAPTER 7 OTHER PAYMENTS INSTRUMENTS Fees and charges for banking activities related to other payment instruments are collected as per the “Schedule of Fees and Charges collected by Bank Zachodni WBK S.A. for banking activities provided to companies - Electronic money instruments and other electronic payment instruments".

CHAPTER 8 FOREIGN CURRENCY TRANSACTIONS Item

Specification of operation

Fee

1.

2.

3.

1. Payment order 1) Incoming payment order: a) to an account held with BZWBK: - meeting SEPA criteria - other b) to an account held with another bank

PLN 5 PLN 10 0.25%, min. PLN 30, max. PLN 250

NOTE: 1) In the case of incoming payment orders to an account with BZ WBK, fees indicated in It. 1) letter a) do not apply to transactions where the BZWBK costs are borne by the ordering party – fees for such transactions are collected in line with the Schedule for Banks. 2) In the case of payment orders to accounts with another bank: a) when costs of BZ WBK are borne by the ordering party, an additional fee of PLN 150 is collected, b) the incoming payment up to the equivalent of PLN 100 regardless of the cost option shall be treated as a payment where the ordering party bears the costs of its execution.

2) Outgoing payment order: a) placed via e-banking services - meeting SEPA criteria - other b) placed in BZWBK branch (including a SEPA, Target payment order and payment order in EUR, GBP or USD transferred to the beneficiary's bank with an option to pay out the funds by a check) 3) Additional fees and charges in the case of outgoing payment orders: a) sending a payment order (exclusive of SEPA payment orders) as: - urgent – a transaction executed in BZWBK or via e-banking services (payment in EUR, USD, GBP, PLN excluding EUR payments compliant with Payment Services Act to which only fees from it. 2 will apply) - express – transaction placed via e-banking services (payment in EUR, USD, GBP & PLN) - express - transaction executed at BZWBK branch (payment in EUR, USD, GBP & PLN) - Target - transaction in EUR executed via e-banking services - Target – transaction in EUR executed at BZ WBK branch1) b) sending the payment order to another bank to the beneficiary’s account in the format other than IBAN (for each message) c) flat-rate fee when costs of banks-agents and the receipient bank are borne by the ordering party – for payment orders in the following currencies: - EUR- payment order totalling EUR 1000 or lower - EUR- payment order in excess of EUR 1000 - USD - GBP - AUD - CAD

12

PLN 5 0.20%, min. PLN 9.50, max. PLN 180 0.25%, min. PLN 9.50, max. PLN 180

0.10%, min. PLN 4.75, max. PLN 90 0.20%, min. PLN 9.50, max. PLN 180 0.30%, min. PLN 20, max. PLN 180 0.20%, min. PLN 9.50, max. PLN 180 0.30%, min. PLN 20, max. PLN 180, plus PLN 20 PLN 20

EUR 5 EUR 25 USD 30 GBP 12 AUD 25 CAD 20

SCHEDULE OF FEES AND CHARGES COLLECTED BY BANK ZACHODNI WBK S.A. FOR BANKING SERVICES PROVIDED TO BUSINESS CUSTOMERS

- CHF - DKK - NOK - SEK - CZK - JPY - PLN -OTHER

CHF 55 DKK 70 NOK 130 SEK 100 CZK 270 JPY 3500 PLN 50 PLN 75

NOTE: When costs of mediating banks exceed the amount of a flat rate payment three times, BZ WBK S.A. may charge the client with the difference between the flat rate payment and the actual costs.

4) Electronic confirmation of the payment order: a) conclusion and execution of the agreement b) confirmation of the payment order (for each confirmation) 5) Issuing the copy of payment order – SWIFT message (for each message) 6) Conclusion of an agreement on delivery of MT101 messages and service activation 7) Non-standard operations related to payment orders, in particular orders: confirmation of execution of payment order, search for a payment order not received by a recipient, changes in details of a sent payment order, cancellation of a sent payment order, return of a sent payment order, explanations of costs of a sent/received payment order 2. Cheques in international turnover 1) Cheque encashment: a) collection b) settlement with recourse c) abbreviated settlement with recourse 2) Non-payment of cheque by the drawee (fee and costs paid by the check presenter)

PLN 20 PLN 3 PLN 10 PLN 200 costs of third party banks + PLN 50

0.15%, min. PLN 150, max. PLN 500 PLN 30 PLN 50 PLN 30 + costs of the check drawer’s bank and of mediating banks

NOTE: 1) Cheques are encashed only when cheque presenter has an account with BZWBK. 2) In case of encashment of cheques payable in the same bank and in the same currency accepted from one presenter and on one list, the fee is collected on the total value of cheques, in accordance with relevant thresholds.

3. International collection 1) Collection of documents or B/Es 2) Presenting a B/E for acceptance 3) Presenting a B/E for protest 4) Change of collection terms and conditions 5) Issue of documents with no charge / return of non-collected documents / annument of document 6) Endorsing documents issued to BZ WBK or issuing authorizations to collect goods 4. Letters of credit in domestic and international turnover 1) Opening of own letter of credit (excluding a standby letter of credit) or transferring a letter of credit of another bank 2) Opening of a standby letter of credit 3) Confirming a letter of credit of another bank

0.2%, min. PLN 150, max. PLN 500 PLN 150 PLN 250 + incurred costs and fees PLN 100 PLN 100 PLN 150 0.2% min. PLN 250 0.3% min. PLN 300 according to the agreement, not less than 0.25%, min. PLN 300

NOTE: Fees indicated in it 1) – 3): 1) are calculated: a) for each commenced 3-month L/C validity period including a possible payment deferral period, b) on the amount of a L/C including a possible deviation of the amount., 2) collected upfront for the entire period of the L/C validity including the period of potential payment deferral.

4) Advising of an external L/C 5) Payment against L/C (on the amount in documents): a) own L/C (excluding standby L/C) b) another bank’s L/C or own or another bank’s standby L/C

PLN 300 0.15% min. PLN 200 0.2% min. PLN 200

13

SCHEDULE OF FEES AND CHARGES COLLECTED BY BANK ZACHODNI WBK S.A. FOR BANKING SERVICES PROVIDED TO BUSINESS CUSTOMERS

6) Review of documents not compliant with the terms and conditions of a L/C - fee is debited to a beneficiary’s account 7) Endorsing documents issued to BZ WBK or issuing authorizations to collect goods 8) Supervision over a deferred payment 9) Change of the terms and conditions of the L/C: a) increasing the amount or extending validity of the letter of credit: - own or another bank’s transferred L/C - own - another bank’s confirmed L/C b) changes of L/C terms and conditions, including invalidation of the L/C or writing down the unused balance on the own or another bank’s L/C, including standby L/C and extension of the letter of credit validity, provided that the extension does not go beyond the period for which a fee has already been collected

PLN 250 PLN 150 PLN 200

0.2%, min. PLN 250 0.3%, min. PLN 300 according to the agreement, not less than 0.25%, min. PLN 300 PLN 150

NOTE: Fee for extending the validity period is collected for each subsequent, commenced 3-month validity period of a L/C, if the extension goes beyond the period for which the fee has already been collected according to it.1) – 3). In the case of increasing the L/C amount, the fee is charged on the increased amount.

10) Checking the authenticity ofthe L/C received directly by the beneficiary 5. Other bank’s advised guarantees 1) Advising a beneficiary of a third party’s guarantee or changes to a third party’s guarantee (third party – another bank) 2) Verifying the authenticity of the third party’s guarantee or changes to a third party’s guarantee 3) Payment under the guarantee (fee calculated on the amount specified in the payment demand) 4) Postage of a payment order (the fee is collected when the guarantee has not been crystallized) 6. Forfeiting (purchase of export debts) 7. Additional fees and charges related to international turnover 1) Telecommunication costs

PLN 200 PLN 300 PLN 300 0.20%, min. PLN 200 PLN 200 according to the agreement, min. PLN 300 PLN 30

NOTE: Flat-rate fee collected up-front for service: collection, L/C, forfeiting and other banks’ advised guarantees. 1)

This refers to selected branches of BZ WBK the list of which is available in each BZ WBK branch.

CHAPTER 9 LOANS AND LOAN-RELATED SERVICES Item

Specification of operation

1.

2.

Applicable fee 3.

1. Processing request for a loan/ loan related service sanction

0.5%, min. PLN 100, max. PLN 1000

NOTE: 1) The fee does not apply to loans for the purchase of securities. 2) In case a positive credit decision is taken, a request processing fee is charged towards the arrangement fee. 3) The fee is not collected from customers to whom BZWBK submitted a lending offer.

2. Arrangement fee (for sanction or renewal of a loan/loan-related service for another period) 1) w/c and investment loans excluding facilities for Local Administratuion Units: a) loan of up to PLN 50k inclusive * b) loan in excess of PLN 50k up to PLN 200k inclusive * c) loan from PLN 200k to PLN 500k inclusive* d) loan above PLN 500k * 2) w/c and investment loans for Local Administration Units (LAUs) 3) other loans and loan-related services *or equivalent of this amount in different currency

14

min. 3,5% min. 3% min. 2% min. 1% min. 0.5% min. 1% min. PLN 500

SCHEDULE OF FEES AND CHARGES COLLECTED BY BANK ZACHODNI WBK S.A. FOR BANKING SERVICES PROVIDED TO BUSINESS CUSTOMERS

NOTE: 1) Front-end fee is calculated on the sanctioned loan / loan service. 2) Fee payable one-off on the date of concluding the loan agreement. 3) In case a guarantee limit is sanctioned, the arrangement fee can be accrued and paidonce off on the amount of the limit sanctioned or on each issued guaranteeor both on the amount of the limitor on each guarantee issued. 4) In case of sanctioning a loan for financing payemnts related to L/Cs or security for L/Cs opened by BZ WBK, the fee is calculated for the entire period of agreement’s validity.

3. Commitment fee (on an annual basis)

min. 2%

NOTE: 1) Committment fee applies to w/c and investment loans. It is collected on the difference between the loan made available and the disbursed loan amount. The annual fee is calculated as a product of daily committment fee and the number of days in the accounting year specified in the loan agreement. Daily and annual committment fee is calculated exact to 0.0001%. 2) The fee is not collected on loans for financing payments related to L/Cs and security for L/Cs opened by BZ WBK as well as on loans for financing payments related to conditional purchase of checks.

4. Fee for issuing a guarantee, counter-guarantee, civil guarantee or B/E aval (for each commenced 3-month validity period of the obligation)

min. 2%, min. PLN 200

NOTE: The fee is calculated against the amount under active guarantee/civil law guarantee and collected upfront on the first day of the fee period.

5. 6. 7. 8.

Fee for crystallising a guarantee (on the amount paid) Fee for informing the beneficiary on the contents of a telegraphic notice in relation to the guarantee Fee for the dispatch of a foreign guarantee via SWIFT Fee for early loan repayment

0.2%, min. PLN 200 PLN 200 PLN 100 min. 3%

NOTE: Early repayment fee applies to W/C and investment loans except for overdrafts / f/x and revolving loans. It is calculated on the amount repaid ahead of the due date specified in the repayment schedule.

9. Changes in terms& conditions of a loan/loan-related service agreement 1) increase in the amount or extension of the loan agreement validity period/ prolongation of a loan instalment /loan/loan-related service repayment 2) other changes (e.g. extension of a tranche/loan availability, change of security cover)

min. 1,5% min. PLN 200 min. PLN 500

NOTE: 1) The fee is collected one-off and is calculated against the amount covered by annex / increased amount / prolonged amount. 2) In the case of making several changes to terms&conditions of the loan agreement at the same time, one – higher - fee shall be collected. 3) No fee is collected when: a) change to the contractual conditionsstems from their adjustment to the commonly applicable laws (the so-called external regulations), b) when a change to the agreement consists in increasing the mortgage amount as a result of the mortgage security covering up another credit product.

10. Request processing and sanction in principle with respect to a loan / loan-related service (calculated on the promised amount; in the case of sanctioning a loan / loan service, the fee is taken towards the front-end fee) 11. Producing a repayment capacity certificate: 1) customer with credit exposure up to PLN 1m 2) customer with credit exposure in excess of PLN 1m 12. Producing a written explanation re. repayment capacity assessment: 1) loan up to PLN 1m 2) loan in excess of PLN 1m 13. Producing: 1) Promise of approval to release a mortgage: a) on one unit/property b) on more than one unit/property 2) Approval to release a mortgage: a) on one unit/property b) on more than one unit/property 14. Debt restructuring - fee for producing annexes / agreements / debt take-over agreements / debt participation agreements / arrangements / settlements, related to the debt restructuring stemming from the utilisation of loan/ loan-related service NOTE: Debt restructuring fee is an additional fee, collected one-off regardless of the other charges and fees specified in this chapter. It is calculated on the amount of the debt subject to restructuring or the amount covered by the annex.

NOTE: 1) The Chapter refers to the following loans/loan-related services:

15

min. 0.1%, min. PLN 1000 PLN 200 PLN 400 PLN 150 PLN 300

PLN 100 PLN 500 PLN 100 PLN 1000 1% - 5%, min. PLN 200

SCHEDULE OF FEES AND CHARGES COLLECTED BY BANK ZACHODNI WBK S.A. FOR BANKING SERVICES PROVIDED TO BUSINESS CUSTOMERS

a) w/c and investment loans including short-term overdraft facilities, overdrafts in current/fx accounts , w/c loans in a credit account, loans for pre-financing an export contract , business loans: Biznes Ekspres EBI (Business Express EBI) and Biznes Ekspres Hipoteka (Business Express Mortgage, investment loans, investment loans for thermal modernisation projects, developer loans in a credit account, home/commercial investment loans, land purchase loans, Equity Release, b) other loans and loan-related services including loans for the purchase of securities on the primary market and at IPO, limit for financing export receivables, purchase of receivables, guarantees and civil law guarantees (including B/E guarantees), limit for guarantees. 2) In the case of w/c and investment loans sanctioned to LAUs only the arrangement fee is collected – BZ WBK does not collect other credit fees and charges from that group of customers. 3) In the case of loans sanctioned in liaison with ARiMR, the sum of request processing fee, arrangement fee and committment fee cannot exceed the loan sanction fee defined in the agreement concluded by and between BZ WBK and ARiMR.

CHAPTER 10 SECURITIES ACCOUNTS OPERATED IN BZ WBK HEAD OFFICE AND OTHER ACTIVITES RELATED TO HANDLING OF TREASURY TRANSACTIONS Item

Specification of operation

Applicable fee

1.

2.

3.

1. Securities account 1) Account opening and maintenance, effecting transaction on the secondary market, print out and dispatch of information on the securities portfolio balance /account balance, blockade of the securities in the account, transfer of securities between portfolios 2. Other activities related to handling of Treasury transactions 1) Drafting of a history of operations in settlement account (for each commenced month)

free of charge

PLN 10

CHAPTER 11 OTHER FEES AND CHARGES Item

Specification of operation

Applicable fee

1.

2.

3.

1. Cash lodgement by a business customer 1) Lodgement to the personal account kept with BZWBK 2) Lodgement to the business account kept with BZ WBK (excl. the accounts listed in chapters: 2, 3, 4, i 10) 3) Lodgement to an account held with another bank 4) Additional fees and charges are collected for: a) lodgement in coins - convertible currencies b) lodgement in coins - Polish currency - in excess of 50 items c) night vault - containers for keeping cash (e.g. coin bags, wallets, caskets) and keys to a night vault etc. 2. Purchase/ sale of convertible currencies

free of charge 0.5%, min. PLN 6 1%, min. PLN 10 60% 0.5%, min. PLN 10 purchase price + 30% 0,3%

NOTE: 1) BZ WBK does not buy/sell coins of convertible currencies. 2) Fees are not collected in the case of purchase/sale at lodgements to / withdrawals from banking accounts held with BZ WBK as well as lodgements related to the purchase and withdrawals related to the redemption of units in Arka Investment Funds nduszach Inwestycyjnych Arka. 3) If the case of simultaneous purchase of one convertible currency and sale of another convertible currency, the fee is collected only once – for the currency purchase.

3. Exchange of banknotes / coins into banknotes / coins into coins of other denominations (refers solely to PLN, the is calculated on the amount of exchange): 1) up to 5 items 2) from 6 up to 50 items 3) above 50 items (on the amount of replaced banknotes/ coins) 4. Confirmation of single transaction execution produced at the customer’s request: 1) confirmation ordered in a BZ WBK Branch with regard to a transaction effected with a payment card or a transaction effected via e-

16

free of charge 0.2%, min. PLN 5 0.5%, min. PLN 10 PLN 1

SCHEDULE OF FEES AND CHARGES COLLECTED BY BANK ZACHODNI WBK S.A. FOR BANKING SERVICES PROVIDED TO BUSINESS CUSTOMERS

banking services 2) other confirmations ordered in a BZ WBK Branch and confirmations ordered via e-banking services

PLN 5

NOTE: 1) Fees are not collected for a confirmation ordered in BZ WBK Branch with regard to transactions: a) made through e-banking channels to ZUS or Revenue Office accounts, b) made in a BZWBK Branch when the confirmation is collected directly after the transaction. 2) Fees for confirmation ordered via BZWBK24 services are collected on the 5 th day of a calendar month following the month in which the order was placed.

5. Producing an account turnover history (for each commenced month) 6. Preparation of information, statement (excluding statements referred to in chapter 9), excerpt, photo copy or another document (also one disclosing banking secrecy) referring to one customer: 1) at the request of a customer or another authorized client (excluding reguests specified in item 2) and 3) based on information covering the period of: a) the last 12 months b) preceding the last 12 months (for each commenced year) 2) at the request of debt collector via OGNIVO application 3) at the request of another bank

PLN 10

PLN 30 PLN 50 PLN 1 PLN 30

NOTE: 1) The fee is paid by the ordering party. 2) The fee is not collected from individuals, organisations and institutions who are exempted from its pursuant to a separate set of regulations. 3) The fee specified in item 1) and 3) shall be collected on the day of accepting the request for a document. The fee specified in item 2) shall be collected according to the agreement between BZWBK and KIR.

7. Opinion for customer’s auditor 8. B/Es in domestic turnover 1) Presenting a B/E for payment 2) B/Es collection (per one B/E) 3) Presenting a B/E for protest

PLN 150 PLN 50 PLN 50 PLN 100 + notary fees

NOTE: The fee referred to in item 1) is collected from the B/E issuer (holder of an account with BZ WBK). Fees specified in item 2) and 3) are collected from the ordering party.

9. Renting a casket / a safe box, safe-keeping of tangible deposits: 1) monthly 2) annually 10. Blockade of funds in a bank account (all activities) ) 1) as a security for agreements concluded by and between the account holder and BZ WBK 2) other 11. Assignment of funds (for each operation) 12. Sending a reminder 13. Enforcement of the execution writ

PLN 50 PLN 400 free of charge PLN 30 PLN 30 PLN 20 PLN 30

NOTE: Fee is collected for each recovered amount, excluding amounts under PLN 30, transferred at the order of the body conducting the execution proceedings as a supplement to the execution seizure realized earlier. In addition, a fee is collected for the transfer of funds to an account indicated by a body conducting the execution proceedings.

14. Fee for providing access to funds representing receivables arising from not settled guaranteed sales of securities through DM BZ WBK S.A. (on the value of funds made available and representing the receivable) 15. Stopping cheque forms, cheques, ID documents, receipts/bills and other in DZ system (irrespective of the number of stopped documents) 16. Non-standard activities related to the transfer of funds in the form of cash lodgement, transfer, standing or variable order to an account with BZ WBK or another domestic bank, order: transaction cancellation, search for funds not received by the beneficiary, return of funds, enquiry about the date of posting funds in the beneficiary’s bank 17. Other services not provided for in the Business Schedule of Fees and Charges and exceptionally time-consuming

17

0.20% PLN 10 PLN 25

according to agreement

SCHEDULE OF FEES AND CHARGES COLLECTED BY BANK ZACHODNI WBK S.A. FOR BANKING SERVICES PROVIDED TO BUSINESS CUSTOMERS

APPENDIX NO. 1 INSURANCE General provisions: 1) Should the funds in the bank account be insufficient to cover the fees collected by the Bank as per this Appendix, the insurance cover will be discontinued in accordance with the Insurance terms & conditions. 2) Detailed information concerning insurance protection, share definition and debt balance is presented in insurance terms & conditions relevant for a given insurance. Specification of operation

Applicable fee

2

3

1

1. Insurance to payment cards: 1) “Pewne Pieniądze” Financial Insurance Package for Visa Business Electron BZ WBK – monthly insurance fee

PLN 2

NOTE: The insurance is free of charge for cardholders applying for the insurance when entering into agreement on a new card for the first two months.

2) “Bezpieczne Pieniądze Business” (Safe Money Business) Insurance for business cards (not applicable to Visa Business Electron BZ WBK) 3) Travel Insurance dedicated to Visa Business Electron BZ WBK 4) Travel Insurance dedicated to other business cards excluding Visa Business Electron BZ WBK

Free of charge Free of charge Free of charge

2. Biznes Gwarant Insurance for Borrowers (insurance fee) 1) Biznes Ekspres loans, Biznes Ekspres Hipoteka loans, w/c loans, investment loans (excluding Biznes Hipoteka): a) loans with lending period up to 36 months – fee Lending period (in months)/ 12 * annual fee where: collected on a one-off basis Annual fee = sum of products of insurance premium bases1) and insurance premium rates2) b) loans with lending period over 36 months: - First payment (on a one-off basis) for the period from making the funds available to the 36th month of the loan agreement term - another fee (annual) charged in the period from the 1st day after the 36th month of the agreement term to the day of loan agreement termination 2) Overdraft – annual fee 1) Insurance premium base: - death, work incapacity - temporary work incapacity due to an accidenthospitalization 2) Insurance premium ratio: - death - work incapacity - temporary work incapacity due to an accident - hospitalization 3) Insurance premium base: - death, work incapacity

Lending period (in months)/ 12 * annual fee where: Annual fee = sum of products of insurance premium bases1) and insurance premium rates2) Annual fee = sum of products of insurance premium bases1) and insurance premium rates2) Annual fee = sum of products of insurance premium bases3) and insurance premium rates4) product of share, total of debt and unused loan amount under the Loan Agreement as at the day of calculating the Biznes Gwarant fee excluding the insurance fee Loan instalment as at the day of calculating the Biznes Gwarant insurance fee in line with the original repayment schedule calculated for decreasing instalments The basis cannot exceed PLN 10 000 1.749% 0.141% 2.87% 7.38% Product of share and the available loan under the Loan Agreement excluding the insurance fee

18

SCHEDULE OF FEES AND CHARGES COLLECTED BY BANK ZACHODNI WBK S.A. FOR BANKING SERVICES PROVIDED TO BUSINESS CUSTOMERS

4)

- temporary work incapacity due to an accidenthospitalization Insurance premium ratio: - death - work incapacity - temporary work incapacity due to an accident - hospitalization

Available loan under the Loan Agreement excluding the insurance fee The basis cannot exceed PLN 200 000 1.749% 0.141% 0.144% 0.369%

19

SCHEDULE OF FEES AND CHARGES COLLECTED BY BANK ZACHODNI WBK S.A. FOR BANKING SERVICES PROVIDED TO BUSINESS CUSTOMERS

APPENDIX NO.2 SETTLEMENT ACCOUNTS WITHDRAWN FROM THE OFFERING FOR SMALL AND MICRO COMPANIES Item

1.

Specification of operation

Standard Tariff *

Standard Tariff *

Blue Tariff **

Silver Electronic Tariff **

Silver Cash Tariff **

Gold Tariff **

Biznes Pakiet Minimum Tariff***

Biznes Pakiet Optimum Tariff***

Biznes Pakiet Maximum Tariff***

Accounts:

in foreign currencies

in PLN

in PLN

in PLN

in PLN

in PLN

in PLN

in PLN

in PLN

3.

4.

5.

6.

7.

8.

9.

10.

11.

PLN 30

PLN 30

Charge depends on average monthly balance in account:

PLN 60 1) / PLN 30

PLN 60 1) / PLN 30

PLN 100 1) / PLN 30

Charge depends on average monthly balance in account:

PLN 25

PLN 50

PLN 3

PLN 3

PLN 3

PLN 7

PLN 7

PLN 15

PLN 15

free of charge

free of charge

2.

1. Operating an account (monthly)

PLN 15 ( balance of PLN10000 or more)

PLN 10 (balance above PLN 10,000) /

PLN 24 (balance from PLN 5 000 to PLN 9 999.99)

PLN 30 (balance equal to or below PLN 10,000)

PLN 30 (balance under PLN 5 000) NOTE: 1) Fee for maintenance of the first account in a given pricing tariff.

2. Transfers 1) Transfer order placed at a BZWBK branch: a) to a BZ WBK account 1) b) to an account with another bank - executed in ELIXIR - executed in SORBNET 2) Transfer order placed electronically: a) to a BZ WBK account b) to an account with another bank executed in ELIXIR or SORBNET – from an account with an average balance: - equal to PLN 50 000 or higher - from PLN 25 000 to PLN 49 999.99 - from PLN 10 000 to PLN 24 999.99

free of charge

PLN 3

PLN 3

PLN 3

PLN 3

PLN 3

-

PLN 8

PLN 8

PLN 8

PLN 8

PLN 8

-

PLN 15

PLN 15

PLN 15

PLN 15

PLN 15

PLN 6 3) / PLN7 PLN 15

free of charge

free of charge

free of charge

free of charge

free of charge

free of charge

free of charge

Usunięto:

Usunięto: -

PLN 2 PLN 2 PLN 2

PLN 1 2) / PLN 1.60 PLN 1 2) / PLN 1.60 PLN 1 2) / PLN 1.60

PLN 0.80

PLN 2

PLN 1

PLN 1.20

PLN 2

PLN 1.30

PLN 1.60

PLN 2

PLN 1.60

20

PLN 1 3) / PLN 3.50 PLN 1 3) / PLN 3.50 PLN 1 3) / PLN 3.50

PLN 1.50 3) / PLN 2.50 PLN 1.50 3) / PLN 2.50 PLN 1.50 3) / PLN 2.50

PLN 1 4) / PLN 2 PLN 1 4) / PLN 2 PLN 1 4) / PLN 2

Usunięto: Usunięto: Usunięto: Usunięto: Usunięto:

SCHEDULE OF FEES AND CHARGES COLLECTED BY BANK ZACHODNI WBK S.A. FOR BANKING SERVICES PROVIDED TO BUSINESS CUSTOMERS

Item

Specification of operation Accounts: - from PLN 5 000 to PLN 9 999.99 - from PLN 2 000 to PLN 4 999.99 - less than PLN 2 000

Standard Tariff * in foreign currencies -

3) Additional fee for a transfer of PLN 1m or less in SORBNET system

-

Standard Tariff * in PLN PLN 2 PLN 2

Blue Tariff **

Silver Electronic Tariff **

Silver Cash Tariff **

Gold Tariff **

in PLN

in PLN

in PLN

in PLN

PLN 1 2) / PLN 1.80 PLN 1.60 2) / PLN 2

PLN 2

PLN 2

PLN 2

PLN 2

PLN 2

PLN 2

Biznes Pakiet Minimum Tariff***

Biznes Pakiet Optimum Tariff***

Biznes Pakiet Maximum Tariff***

in PLN

in PLN

in PLN

PLN 1 3) / PLN 3.50 PLN 1 3) / PLN 3.50 PLN 1 3) / PLN 3.50

PLN 1.50 3) / PLN 2.50 PLN 1.50 3) / PLN 2.50 PLN 1.50 3) / PLN 2.50

PLN 1 4) / PLN 2 PLN 1 4) / PLN 2 PLN 1 4) / PLN 2

PLN 2

PLN 2

PLN 2

PLN 2

PLN 2

PLN 95

PLN 95

PLN 95

PLN 95

PLN 95

PLN 95

PLN 95

PLN 95

NOTE: 1) Fees for transfers to accounts held with BZ WBK S.A. are not collected for transfers to credit accounts and term deposits. 2) Applies to transfers to ZUS (Social Security) and internal revenue service 3) Fee for the first 5 transfers in a given month. 4)

Fee for the first 20 transfers in a given month.

3. Standing and variable orders made at a BZWBK branch or via electronic banking services 1) effecting an order to an account with BZ WBK 2) effecting an order to an account with another bank: a) standing order b) variable order 4. Direct Debit 1) Crediting the creditor’s account in relation to the execution of the direct debit order 2) Passing a message to the creditor on a refusal to effect the direct debit order by the debtor’s bank – for each refusal message 3) Effecting a direct debit order from a debtor’s account to the creditor’s account operated in: a) BZ WBK b) another bank

free of charge

free of charge

free of charge

free of charge

free of charge

free of charge

free of charge

free of charge

free of charge

-

PLN 1.50 PLN 5

PLN 1.50 PLN 5

PLN 1.50 PLN 5

PLN 1.50 PLN 5

PLN 1.50 PLN 5

PLN 1.50 PLN 5

PLN 1.50 PLN 5

PLN 1.50 PLN 5

-

PLN 0.30

PLN 0.30

PLN 0.30

PLN 0.30

PLN 0.30

PLN 0.30

PLN 0.30

PLN 0.30

-

PLN 1

PLN 1

PLN 1

PLN 1

PLN 1

PLN 1

PLN 1

PLN 1

-

free of charge PLN 1

free of charge PLN 1

free of charge PLN 1

free of charge PLN 1

free of charge PLN 1

free of charge PLN 1

free of charge PLN 1

free of charge PLN 1

NOTE: Fees specified in items 1) –2) are collected from the creditor, while fees referred to in item 3) are collected from the debtor.

5. Cash lodgement:

21

Usunięto: Usunięto: Usunięto:

SCHEDULE OF FEES AND CHARGES COLLECTED BY BANK ZACHODNI WBK S.A. FOR BANKING SERVICES PROVIDED TO BUSINESS CUSTOMERS

Item

Specification of operation

Standard Tariff *

Standard Tariff *

Blue Tariff **

Silver Electronic Tariff **

Silver Cash Tariff **

Gold Tariff **

Biznes Pakiet Minimum Tariff***

Biznes Pakiet Optimum Tariff***

Biznes Pakiet Maximum Tariff***

Accounts:

in foreign currencies

in PLN

in PLN

in PLN

in PLN

in PLN

in PLN

in PLN

in PLN

0.4% min. PLN 4 0.4% min. PLN 4 0.4% min. PLN 4 0.4% min. PLN 4

0.5% min. PLN 4 0.5% min. PLN 4 0.5% min. PLN 4 0.5% min. PLN 4

0.4% min. PLN 4 0.4% min. PLN 4 0.4% min. PLN 4 0.4% min. PLN 4

0.4% min. PLN 4 0.4% min. PLN 4 0.4% min. PLN 4 0.4% min. PLN 4

0.16% min. PLN 1.60 0.24% min. PLN 2.40 0.32% min. PLN 3.20

0.2% min. PLN 2 0.26% min. PLN 2.60 0.32% min. PLN 3.20 0.4% min. PLN 4

0.4% min. PLN 4 0.4% min. PLN 4 0.4% min. PLN 4 0.4% min. PLN 4

0.4% min. PLN 4 0.4% min. PLN 4 0.4% min. PLN 4 0.4% min. PLN 4

0.4% min. PLN 4 0.4% min. PLN 4 0.4% min. PLN 4 0.4% min. PLN 4

-

0.2% min. PLN 2

0.2% min. PLN 2

0.2% min. PLN 2

0.2% min. PLN 2

0.2% min. PLN 2

0.2% min. PLN 2

0.2% min. PLN 2

0.2% min. PLN 2

0.5% min. PLN 6

0.5% min. PLN 6

0.5% min. PLN 6

0.5% min. PLN 6

0.5% min. PLN 6

0.5% min. PLN 6

0.5% min. PLN 6

0.5% min. PLN 6

0.5% min. PLN 6

60%

-

-

-

-

-

-

-

-

0.5% min. PLN 10

0.5% min. PLN 10

0.5% min. PLN 10

0.5% min. PLN 10

0.5% min. PLN 10

0.5% min. PLN 10

0.5% min. PLN 10

0.5% min. PLN 10

0.5% min. PLN 10

purchase price + 30%

purchase price + 30%

purchase price + 30%

purchase price + 30 %

purchase price + 30%

purchase price + 30%

purchase price + 30%

purchase price + 30%

purchase price + 30%

PLN 40

PLN 40

PLN 40

PLN 40

PLN 40

PLN 40

PLN 40

PLN 40

PLN 40

1) Cash lodgement at a cash desk in a BZWBK branch made by an account holder to their own account with the average balance of: - equal to PLN 50 000 or higher - from PLN 25 000 to PLN 49 999.99 - from PLN 10 000 to PLN 24 999.99 - less than PLN 10 000 2) Lodgement made by an account holder at a Cash Deposit Machine 3) Lodgement effected under own name of the payer who is not the account holder 4) Additional fees and charges are collected for: a) lodgement in coins convertible currencies b) lodgement in coins Polish currency - in excess of 50 items (it does not apply to payments of cash kept in a closed packaging: envelope/wallet) c) night vault - containers for keeping cash (e.g. coin bags, wallets, caskets) and keys to a night vault etc. d) sealed lodgment – prepared in breach of the agreement /declaration (e.g. inaccurate preparation of a safe envelope, lodgement prepared in a disorderly fashion)

22

0.4% min. PLN 4

SCHEDULE OF FEES AND CHARGES COLLECTED BY BANK ZACHODNI WBK S.A. FOR BANKING SERVICES PROVIDED TO BUSINESS CUSTOMERS

Item

Specification of operation Accounts:

6. Cash withdrawal in BZWBK Branch 1) Non-adviseded withdrawal (additional fee)

Standard Tariff *

Standard Tariff *

Blue Tariff **

Silver Electronic Tariff **

Silver Cash Tariff **

Gold Tariff **

Biznes Pakiet Minimum Tariff***

Biznes Pakiet Optimum Tariff***

Biznes Pakiet Maximum Tariff***

in foreign currencies 0.2% min. PLN 4

in PLN

in PLN

in PLN

in PLN

in PLN

in PLN

in PLN

in PLN

0.2% min. PLN 4

0.2% min. PLN 4

0.2% min. PLN 4

0.2% min. PLN 4

0.2% min. PLN 4

0.2% min. PLN 4

0.2% min. PLN 4

0.2% min. PLN 4

0.15 %

0.15 %

0.15 %

0.15 %

0.15 %

0.15 %

0.15 %

0.15 %

0.15 %

NOTE: 1) The fee indicated in item 1 is calculated on the difference between the withdrawn amount and the amount assigned for advising. 2) Fees and charges for cash withdrawal with the use of payment cards are specified in chapter 6.

7. Failure to collect advised amount at the agreed date (on the uncollected amount) 8. Cheques in domestic trading 1) Ordering cheque forms (for one cheque form) 2) Mailing ordered cheque forms 3) Cheque confirmation 4) Cheque collection

0.15 %

0.15 %

0.15 %

0.15 %

0.15 %

0.15 %

0.15 %

0.15 %

0.15 %

PLN 1

PLN 1

PLN 1

PLN 1

PLN 1

PLN 1

PLN 1

PLN 1

-

PLN 6

PLN 6

PLN 6

PLN 6

PLN 6

PLN 6

PLN 6

PLN 6

PLN 15 PLN 20

PLN 15 PLN 20

PLN 15 PLN 20

PLN 15 PLN 20

PLN 15 PLN 20

PLN 15 PLN 20

PLN 15 PLN 20

PLN 15 PLN 20

NOTE: Fee for ordering cheque forms and mailing them is collected upon the order placement.

9. Account statement: 1) in the electronic form eStatement (eWyciąg) 2) in the form of SWIFT MT940 message (fee for a message) 3) in the paper form from (for each generated statement): a) sent by ordinary mail once a month or less frequently to Customers who do not avail of BZWBK24 Internet electronic banking services b) sent by ordinary mail once a month or less frequently to Customers who avail of BZWBK24 Internet electronic banking services ****

free of charge

free of charge

free of charge

free of charge

free of charge

free of charge

free of charge

free of charge

free of charge

PLN 5

PLN 5

PLN 5

PLN 5

PLN 5

PLN 5

PLN 5

PLN 5

PLN 5

free of charge

free of charge

free of charge

free of charge

free of charge

free of charge

free of charge

free of charge

free of charge

PLN 5

PLN 5

PLN 5

PLN 5

PLN 5

PLN 5

PLN 5

PLN 5

PLN 5

23

SCHEDULE OF FEES AND CHARGES COLLECTED BY BANK ZACHODNI WBK S.A. FOR BANKING SERVICES PROVIDED TO BUSINESS CUSTOMERS

Item

Specification of operation

Standard Tariff *

Standard Tariff *

Blue Tariff **

Silver Electronic Tariff **

Silver Cash Tariff **

Gold Tariff **

Biznes Pakiet Minimum Tariff***

Biznes Pakiet Optimum Tariff***

Biznes Pakiet Maximum Tariff***

Accounts:

in foreign currencies

in PLN

in PLN

in PLN

in PLN

in PLN

in PLN

in PLN

in PLN

PLN 5

PLN 5

PLN 5

PLN 5

PLN 5

PLN 5

PLN 5

PLN 5

PLN 5

PLN 10

PLN 10

PLN 10

PLN 10

PLN 10

PLN 10

PLN 10

PLN 10

PLN 10

PLN 15 PLN 5

PLN 15 PLN 5

PLN 15 PLN 5

PLN 15 PLN 5

PLN 15 PLN 5

PLN 15 PLN 5

PLN 15 PLN 5

PLN 15 PLN 5

PLN 15 PLN 5

PLN 0.50

PLN 0.50

PLN 0.50

PLN 0.50

PLN 0.50

PLN 0.50

PLN 0.50

PLN 0.50

PLN 0.50

PLN 10

PLN 10

PLN 10

PLN 10

PLN 10

PLN 10

PLN 10

PLN 10

PLN 10

c) sent by regular mail more often than once a month or after each balance change d) collected in BZ WBK Branch e) sent via registered mail 4) statement duplicate 5) appendix (original document) or copy – confirmation of a single operation attached to the statement (for each item on the statement) 6) storage of statements for longer than one month (for each month commenced)

NOTE: 1) Fee for the statement sent by registered mail pertains to accounts for which this form of obtaining statements had been applied before 16.09.2006. Since 16.09.2006, this service has not been available.

Change of the tariff applicable to the account (not applicable to transfers to/ from the Negotiated PLN 100 PLN 100 PLN 100 PLN 100 PLN 100 PLN 100 PLN 100 PLN 100 PLN 100 Tariff applicable to accounts operated on individually agreed conditions) NOTE: * Applies to current accounts operated in that pricing tariff prior to 01/03/2009 (refers to accounts operated on standard terms & conditions) and escrow accounts for developers opened before 16.06.2009. ** Applies to current accounts operated in that pricing tariff prior to 16/09/2006. *** Applies to current accounts operated in that pricing tariff prior to 15/03/2010. Biznes Pakiet Minimum Tariff applies to current accounts operated on standard terms & conditions held by sole traders, i.e. self-employed natural persons. **** The charge becomes effective as of 01.04.2012. Fees and charges not listed in Appendix no. 1 are collected in line with other chapters of this Schedule of Fees and Charges.

10.

24