1.1.

Annual interest rate for Standard Saving Account

nil

1.2.

Annual interest rate for Combined CD-Saving Account (CSA)

In accordance with Deposit Agreement

1.2.1.

Initial Deposit for Terminal Transaction Bookkeeping Account (TBA)

nil

1.2.2.

Initial Deposit for Combined CD-Saving Account - 0% (CSA-0)

2% blocked on time deposit

1.3.

Multicurrency account setup fee

200 Euro

1.3.1.

Adding Set up fee Terminal Transaction Bookkeeping Account (TBA)

nil

1.4.

Accounts maintenance fee per account:

1.4.1.

two months

free

1.4.2.

deposit account

nil

1.4.3.

active account (10 transactions and more per month)

4.00 Euro/month

1.4.4.

passive account (less than 10 transactions per month)

8.00 Euro/month

1.4.5.

Non Profit (Church/Community)

Half cost: 1.4.3., 1.4.4., initial deposit

1.4.6.

Non profit and personal sub-accounts opened from 1.4.5.

Half cost: 1.4.5.

1.4.7.

customer hold at the end of the month Combined CD-Saving Account - 0% (CSA-0)

1% per month abandoned on account (without 1.4.1.)

1.5.

Temporary blocking of funds on beneficiary account (instead of automatic L/C):

300.00 Euro

Transaction and other charges

2.

Internal bank transfer:

2.1.1.

-from any Standard Saving Account (SSA)  to any Standard Saving Account (SSA)

Free of charge

2.1.2.

-from any Standard Saving Account (SSA)  to any Combined CD-Saving Account (CSA)

Free of charge

2.1.3.

-{Clearing transactions} from any Combined CD-Saving Account (CSA) to any Combined CD-Saving Account (CSA) [clearing account]

0.09% fee will be deducted from SSA account

2.1.4.

-from any Combined CD-Saving Account (CSA) to any Standard Saving Account (SSA) account after date of deposit termination (acquittance)

Free of charge

2.1.5.

-from any Combined CD-Saving Account (CSA) to any Standard Saving Account (SSA) account before date of deposit termination (acquittance)

100% of transferred amount

2.1.6.

- to any Terminal Transaction Bookkeeping Account (TBA)

0.5% from turnover

2.2.

Conversion / exchange fee:

In accordance with internal rate (min. 1.5%)

2.3.

External bank transfer (wire transfer):
Please note that our correspondent banks may charge fees for wire transfers:

0.3%, min: US $70.00

2.4.

One reference code (10 days validity)

2.4.1.

One reference code creation from customer

15 Euro

2.4.2.

First PIN code for registration new customer from Administrator or Account Manager

Free

2.4.3.

Second PIN code for registration new customer from Administrator or Account Manager

300 Euro

2.5.

For all incoming payments from other Bank or financial institution is deducted fee 0.5% of amount of transfer.

2.6.

Return wire transfer made independently of amount

100 Euro

Further fees, commissions and costs related to account maintenance are charged as they arise:

3.1.

Audit statement:

100.00 Euro / statement

3.2.

Account closure fee

100.00 Euro

3.3.

Account close before 365 days from date of open

150.00 Euro

3.4.

Re-open of closed account (if previously closed by any reason)

7000.00 Euro

All charges and fees withdrawing from SSA account only.

Emergency markets currencies fast automatic conversion into USD, EUR etc. service (if money was sent to ESB in native currencies of emergency markets directly to USD or EUR accounts of ESB) - 13% of amount conversion fee will be deducted from each amount transferred (or converted inside ESB between ESB accounts) above 10,000.00 EUR. This fee was implemented to prevent money laundering, making such activity economically unprofitable.

European Standard Bank support any currency in the World for internal wire transfer. For external wire transfer all transaction are executing in USD, Euro, CHF, PLN, RUR. Please inform us if you need any specific currency for internal transfer.

Please be informed you have keep initial deposit with your SSA account 1000 Euro minimum. If amount with your SSA account will be below 1000 Euro for any reason during 60 days your accounts with ESB will be closed without notice and without any rights for re-activation also without rights to have accounts with ESB in future. You will lose your money located in other accounts too. ESB does not provide service for free.