Pricelist

GENERAL FEES

COMMISSION TYPES	COMMISSION	COMMISSION
Accounts	INDIVIDUAL CLIENTS	VALIDITY
Current Account Maintenance Fee*	€ 0.75	Monthly
Savings Account Maintenance Fee*	€ 0.75	Monthly
Current Account Opening	Free of charge	For current account
Current Account Closure (upon client's request)	€ 2.50
Savings Account Opening / Closure	Free of charge
Time Deposit Account Opening / Closure	Free of charge
Flexi Account Opening / Closure	Free of charge
Withdrawal fee from Flexi account	€ 6.00	The fee applies if more than 5 withdrawals or transfers are made during the month, then this fee applies for any withdrawal or transfer
Child Savings Account Opening	Free of charge	Per account
Contract on the conditional transaction account	€ 30.00	Will be equally transferred by Buyer and Seller
COMMISSION TYPES	COMMISSION
Accounts	INDIVIDUAL CLIENTS	VALIDITY
Time Out Loan	€ 5.00	Per account
Cash deposit in cash box (in EUR currency)	€ 1.00	Valid for amounts >=5 € - <=7,495 €
Deposit by third parties (in EUR currency)**	€ 1.00	Per transaction
Credit Products Closure Confirmation	€ 2.50	The commission is applied for credit products closure confirmation
Person's Authorization per account	Free of charge	Per authorization
Money transfers
Outgoing transfers for other banks in Kosovo	€ 1.75	Per transaction
Outgoing transfers for other banks in Kosovo with priority***	€ 5.00	Per transaction
Outgoing transfers for other banks in Kosovo using E-Banking	€ 0.75	Per transaction
Outgoing transfers for other banks in Kosovo using E-Banking with priority	€ 4.00	Per transaction
Outgoing transfers for other banks in Kosovo using TEB Mobile	€ 0.75	Per transaction
National incoming transfers	€ 0.00	Per transaction
Fee on unused overdraft amount	Not applicable	End of each quarter
Overdraft early prepayment commission	Not applicable	Annual
Massive execution of payments	Not applicable	per list
International outgoing transfers EUR*****	0.30 % min.15 /max.1,000	Per transaction
International outgoing transfers USD*****	0.30 % min.15 / max.1,000	Per transaction
International outgoing transfers CHF*****	0.30 % min.15 / max.1,000	Per transaction
International outgoing transfers GBP*****	0.30 % min.15 / max.1,000	Per transaction
International outgoing transfers via e-Banking EUR*****	0.15% min 15/max. 1,000	Per transaction
International outgoing transfers via e-Banking USD*****	0.15% min 15/max. 1,000	Per transaction
International outgoing transfers via e-Banking CHF*****	0.15% min 15/max. 1,000	Per transaction
International outgoing transfers via e-Banking GBP*****	0.15% min 15/max. 1,000	Per transaction
International incoming transfers EUR*	0.30 % min.15 /max.1,000	Per transaction
International incoming transfers USD*	0.30 % min.15 / max.1,000	Per transaction
International incoming transfers CHF*	0.30 % min.15 / max.1,000	Per transaction
International incoming transfers GBP*	0.30 % min.15 / max.1,000	Per transaction
Automatic notification of SWIFT via e-mail	€ 0.15	Per transaction
Transfer reclamation fee	Depends from correspondent bank	Per transaction
Within bank transfers	1.00	Per transaction (the same price in any currency)
Transfers within the bank using E-Banking	Free of charge	Per transaction
Transfers within the bank using TEB Mobile	Free of charge	Per transaction
Transfers within the bank between client accounts	Free of charge	Per transaction
Transfers within child accounts	Free of charge	Per transaction
Others
E-banking fee	€ 0.50	Monthly
E-banking PIN code resetting in Branch	Free of charge	Per transaction
Reference Letter	Not applicable	Per reference
Cheques conversion	1.50% min 30 €	Per transaction
Annual maintenance for TEB SMS Top-Up	€ 1.00	Annual
Transaction fee for TEB SMS Top-Up	€ 0.15	Per transaction
Fee for TEB SMS notification / request	€ 0.20	Per transaction
Fee for Ipko Digital TV & Internet	€ 0.50	Per transaction
Fee for Ipko Digital TV & Internet using E-Banking	€ 0.50	Per transaction
Fee for Ipko Digital TV & Internet using TEB Mobile	€ 0.50	Per transaction
Cash Withdrawal in cash counters	1.5 € up to 1000 EUR ; 1€ from 1000 up to 10,000 EUR ; Above 10,000 0.01% of the amount	Per transaction
Cash Withdrawal in cash counters from the child’s account	Free of charge	Per transaction
Deposit fee for coins	5%	In total amount if more than 50 coins
Visa Confirmation	€ 2.50
Account Statement sent by mail	€ 2.00
Change of Pledge registration	€ 20.00	Per transaction
Request for a payment copy	€ 2.50
Mobile Banking maintenance **	Not applicable
Card PIN Code resetting in Branch	€ 1.00
Card PIN Code resetting at the ATM	Free of charge
KESCO invoice payments through SMS	€ 0.50	Per transaction
Customs invoice payments through SMS	€ 0.50	Per transaction

* For student accounts and pension accounts, account maintenance fees are not applicable
** Deposit from third parties– the commission does not apply in the case of daily business deposits
*** Valid only for transfers up to 10,000 EUR
***** The fees applied by the Corresponding Bank for international outgoing transfers are not included in the pricelist
****** If the customer has e-banking, M-banking monthly payment is free of charge

COMMISIONS AND FEES FOR CARDS

COMMISSION TYPES	COMMISSION
	INDIVIDUAL CLIENTS
Credit cards	StarCard	VALIDITY
Administrative expenses for the main card limit	Free of charge	Fee applied only once
Card annual maintenance fee	20.00 €	Annual
Card annual maintenance fee - additional card	10.00 €	Annual
Card issuance	Free of charge	Per card
Change of card (additional card) Card re-issuance	2.50 €	Per card
Credit card statement delivery	Free of charge	Per statement
Credit card statement delivery via mail	2.50 €	Per delivery
Fee on overdraft excess	2.00 €	Per transaction
Warning fee (SMS/Letter) for delay on payment of credit products	2.50 €	Prior to any change on KCR (Kosovo Credit Registry) categories
Annual interest rate for maximum payment	0%	Annual
Annual interest rate for minimum payment	24%	Annual
The annual rate of interest delay	48%	Annual
Cash reversal expenses (only for unjustified complaints)	25.00 €	Per complaint
Interest rate for cash withdrawal	24%	Annual
Limit increase up to €500	3.00 €	Limit increase
Limit increase over €500	5.00 €	Limit increase
KOS Gyro and Collector payments in cash counters by card in a single transaction*	Free of charge	Per transaction
KOS Gyro and Collector payments by card up to three installments (aplicable to all payment channels)	2% - min 2€	Per transaction
Online payment and international POS payment with 2 installment	For purchases from €50 - €299.99 a commission of 2.5%, min. €3 applies	Per transaction
Online payment and international POS payment with 3 installment	For purchases over €300 a commission of 3%, min. €3 applies	Per transaction
Cash withdrawals with Credit Card
Cash withdrawals in ATMs inside and outside bank premises	2.5% - min 3€	Per transaction
Cash withdrawals on other banks ATMs in Kosovo	2.5% - min 3€	Per transaction
Cash withdrawals on other banks ATMs outside Kosovo	2.5% - min 3€	Per transaction
STARCASH (cash withdrawal in installments)
Fee for cash withdrawal in installments	2.5% - min 3€	Per transaction
Interest rate for cash withdrawal in installments	24%	Annual
Cash withdrawal fee for card holder of other countries	5€	Per withdrawal
Transactions via ATM
Debit Card
Internal bank transfers	Free of charge	Per transaction
Transfers to other domestic banks	1.50 €	Per transaction
Credit Cards
Payment of card debt with cash deposit at cash box	1.00 €	Applicable for all amounts, including payments for credit cards of other persons
Payment of card debt form account at ATM	Free of charge	Per transaction
Payment of card debt with cash deposit at ATM	Free of charge	Per transaction
Card debt payment for other persons at ATM	Free of charge	Per transaction
Payment of card debt through E-Banking	Free of charge	Per transaction
Payment of card debt through TEB Mobile	Free of charge	Per transaction
Payments in POS Terminals
Payments in our bank POS Terminals	Free of charge
Payments in other banks POS Terminals in Kosovo	1%	Per transaction
Payments in other banks POS Terminals outside Kosovo	Free of charge
Fee for currency conversion for transactions that are not performed in EUR (ATM / POS/Online)with Debit and Star Card	1%
Payments via Internet
Online purchases with Star Card	Free of charge
Online purchases with Debit Card	1%
Allowed limits
Max. daily limit for cash withdrawals in ATM with Debit Card	2,000 €	Daily
Maximum daily limit of cash deposit on ATM with Debit Card	7,495 €	The daily accumulated limit
Daily max. cash withdrawal limit at ATMs with Credit Card	500€	The daily accumulated limit
Maximum daily limit for credit card payment in ATM	5,000 €
Allowed limit for cash withdrawal with Credit Card	50%
Allowed limit for withdrowing cash in ATM (national and international card)	500 €	Daily limit
Debit Card
Issuance	2.50 €	Per card
Cash withdrawals in ATMs in bank premises and outside bank premises	Free of charge	Per transaction
Cash withdrawal in other banks ATMs in Kosovo	2.0% - min 2€	Per transaction
Cash withdrawal in other banks ATMs outside Kosovo	2.0% - min 2€	Per transaction
Money deposit in ATM	Free of charge	Per transaction
Payments in our bank POS Terminals	Free of charge	Per transaction
Payments in other banks POS Terminals in Kosovo	1%	Per transaction
Payments in other banks POS Terminals outside Kosovo	1%	Per transaction
* For institutional and utility payments with Starcard in a single transaction, only fees mentioned in KOS GYRO and Collector fees apply.
**For institutional and utility payments with Starcard in two or three installments, fees mentioned in KOS GYRO and Collector fees apply.
COMMISSION TYPE	INDIVIDUAL CLIENTS	VALIDITY
Online payments at certified merchants with 3D Secure
for Online purchases up to 4.99€ with credit card/one-time password	Free of charge	Per transaction authorization
One-time password for Online purchases from 5.00€ and more with credit card	0.10€	Per transaction authorization
One-time password for Online purchases with debit card	0.10€	Per transaction authorization

*Effective Interest Rate (EIR): EIR is calculated on the basis of the deposit of BQK Regulation on effective interest rate and requests for disclosure. Please, contact your portfolio officer for more information.

COMMISIONS AND FEES FOR CARDS

COMMISSION TYPES	COMMISSION	COMMISSION
	BUSINESS CLIENTS
Credit cards	Business StarCard	AGRO	VALIDITY
Administrative expenses for the main card limit	20.00 €	Free of charge	Fee applied only once
Card annual maintenance fee	Free of charge	20.00 €	Annual
Card annual maintenance fee - additional card	10.00 €	10.00 €	Annual
Card issuance	Free of charge	Free of charge	Per card
Change of card (additional card) Card re-issuance	2.50 €	2.50 €	Per card
Credit card statement delivery	Free of charge	Free of charge	Per statement
Credit card statement delivery via mail	2.50 €	2.50 €	Per delivery
Fee on overdraft excess	5.00 €	Not applicable	Per transaction
Warning fee (SMS/Letter) for delay on payment of credit products	2.50 €	2.50 €	Prior to any change on KCR (Kosovo Credit Registry) categories
Annual interest rate for maximum payment	0%	0%	Annual
Annual interest rate for minimum payment	24%	24%	Annual
The annual rate of interest delay	48%	48%	Annual
Cash reversal expenses (only for unjustified complaints)	25.00 €	25.00 €	Per complaint
Interest rate for cash withdrawal	24%	24%	Annual
Limit increase up to €500	3.00 €	3.00 €	Limit increase
Limit increase over €500	5.00 €	5.00 €	Limit increase
KOS Gyro and Collector payments in cash counters by card in a single transaction*	Free of charge	Free of charge	Per transaction
KOS Gyro and Collector payments by card up to three installments (aplicable to all payment channels)	2% - min 2€	2% - min 2€	Per transaction
Online payment and international POS payment with 2 installment	For purchases from €50 - €299.99 a commission of 2.5%, min. €3 applies	Not applicable	Per transaction
Online payment and international POS payment with 3 installment	For purchases over €300 a commission of 3%, min. €3 applies	Not applicable	Per transaction
Cash withdrawals with Credit Card
Cash withdrawals in ATMs inside and outside bank premises	2.5% - min 3€	2.5% - min 3€	Per transaction
Cash withdrawals on other banks ATMs in Kosovo	2.5% - min 3€	Not applicable	Per transaction
Cash withdrawals on other banks ATMs outside Kosovo	2.5% - min 3€	Not applicable	Per transaction
STARCASH (cash withdrawal in installments)
Fee for cash withdrawal in installments	2.5% - min 3€	2.5% - min 3€	Per transaction
Interest rate for cash withdrawal in installments	24%	24%	Annual
Cash withdrawal fee for card holder of other countries	5.00€	Not applicable	Per withdrawal
Transactions via ATM
Debit Card
Internal bank transfers	Free of charge	Free of charge	Per transaction
Transfers to other domestic banks	1.50 €	Not applicable	Per transaction
Credit cards
Payment of card debt with cash deposit at cash box	1.00 €	1.00 €	Applicable for all amounts, including payments for credit cards of other persons
Payment of card debt from account at ATM	Free of charge	Free of charge	Per transaction
Payment of card debt with cash deposit at ATM	Free of charge	Free of charge	Per transaction
Card debt payment for other persons at ATM	Free of charge	Free of charge	Per transaction
Payment of card debt through E-Banking	Free of charge	Free of charge	Per transaction
Payment of card debt through TEB Mobile	Free of charge	Free of charge	Per transaction
Payments in POS Terminals
Payments in our bank POS Terminals	Free of charge	Free of charge
Payments in other banks POS Terminals in Kosovo	1%	Not applicable	Per transaction
Payments in other banks POS Terminals outside Kosovo	Free of charge	Not applicable
Fee for currency conversion for transactions that are not performed in EUR (ATM / POS/Online)with Debit and Star Card	1%	1%
Payments via Internet
Online purchases with Star Card	Free of charge
Online purchases with Debit Card	1%
Allowed limits
Max. daily limit for cash withdrawals in ATM with Debit Card	2,000 €	Not applicable	Daily (applicable for a debit business card is 300 €, 500 €, 1.000 €, 1.500 € and 2.000 €)
Maximum daily limit of cash deposit on ATM with debit card	9,995 €	Not applicable	The daily accumulated limit per client
Daily max. cash withdrawal limit at ATMs with Credit Card	500€	500€	The daily accumulated limit per client
Maximum daily limit for credit card payment in ATM	5,000 €	5,000 €
Allowed limit for cash withdrawal with Credit Card	25%	50%
Allowed limit for withdrowing cash in ATM (national and international card)	500€	Not applicable	Daily limit
Debit Card
Issuance	2.50 €	Not applicable	Per card
Cash withdrawals in ATMs in bank premises and outside bank premises	Free of charge	Free of charge	Per transaction
Cash withdrawal in other banks ATMs in Kosovo	2.0% - min 2€	Not applicable	Per transaction
Cash withdrawal in other banks ATMs outside Kosovo	2.0% - min 2€	Not applicable	Per transaction
Money deposit in ATM	Free of charge	Free of charge	Per transaction
Payments in our bank POS Terminals	Free of charge	Free of charge	Per transaction
Payments in other banks POS Terminals in Kosovo	1%	Not applicable	Per transaction
Payments in other banks POS Terminals outside Kosovo	1%	Not applicable	Per transaction
POS Terminals	BUSINESS CLIENTS	AGRO	Criterion for commission
Commission for non active POS Terminals	2.50 €	2.50 €	Last 3 months < €150 turnover per POS Terminal
POS account maintenance	1.00 €	1.00 €	Per account
Commission for POS with telephone, ethernet line	Free of charge	Free of charge	Per POS
GPRS-POS commission	5.30 €	5.30 €	Per POS
* For institutional and utility payments with Starcard in a single transaction, only fees mentioned in KOS GYRO and Collector fees apply.
**For institutional and utility payments with Starcard in two or three installments, fees mentioned in KOS GYRO and Collector fees apply.
	COMMISSION
COMMISSION TYPE	BUSINESS CLIENTS	VALIDITY
Online payments at certified merchants with 3D Secure
For Online purchases up to 4.99€ with credit card/one-time password	Free of charge	Per transaction authorization
One-time password for Online purchases from 5.00€ and more with credit card	0.10€	Per transaction authorization
One-time password for Online purchases with debit card	0.10€	Per transaction authorization

KOS GYRO AND COLLECTOR PAYMENT FEES VIA E-BANKING

Commission types	Commission
Kos Gyro and Collector payment fees	INDIVIDUAL CLIENTS	VALIDITY
Insurance Company Kos Gyro payments via E-banking	0.50 €	Per transaction
Kos Gyro payments for Sigma insurance company (voluntary payments)	0.50 €	Per transaction
KESCO Kos Gyro payments via E-banking	Free of charge	Per transaction
TELEKOM Kos Gyro payments via E-banking	Free of charge	Per transaction
Prishtina RWC Kos Gyro payments via E-banking	Free of charge	Per transaction
Customs Kos Gyro payments via E-banking	0.50 €	Per transaction
Collector payments - Terminali Shpk	Not applicable	Per transaction
Collector payments - Tax declaration (Balance €0)	Not applicable	Per transaction
PTK in TEB	Free of charge	Per transaction
Tax payments via E-banking	Not applicable	Per transaction
Kos Gyro And Collector Payment Fees Via TEB Mobile
Commission Types	INDIVIDUAL CLIENTS	VALIDITY
Kos Gyro and Collector payment fees
Insurance Company Kos Gyro payments via TEB Mobile	0.50 €	Per transaction
Kos Gyro payments for Sigma insurance company (voluntary payments)	0.50 €	Per transaction
KESCO payments via TEB Mobile	Free of charge	Per transaction
TELEKOM Kos Gyro payments via TEB Mobile	Free of charge	Per transaction
Customs Kos Gyro payments via TEB Mobile	0.50 €	Per transaction

KOS GYRO AND COLLECTOR PAYMENT FEES ON THE BRANCH

	COMMISSION
COMMISSION TYPES	INDIVIDUAL CLIENTS	VALIDITY
Kos Gyro and Collector payment fees
KESCO payments (via account)	1.50€	Per transaction
KESCO payments (with cash)	5.00€	Per transaction
KESCO payments (with Credit Card)	1.50€	Per transaction
Collector payments (via account)	1.50€	Per transaction
Collector payments (with cash)	5.00€	Per transaction
Collector payments (with Credit Card)	1.50€	Per transaction
Kos Gyro payments (via account)	1.50€	Per transaction
Kos Gyro payments (with cash)	5.00€	Per transaction
Kos Gyro payments (with Credit Card)	1.50€	Per transaction
Kos Gyro water supply payments (via account)	1.50€	Per transaction
Kos Gyro water supply payments (with cash)	5.00€	Per transaction
Kos Water payments (with Credit Card)	1.50€	Per transaction
Collector payments (University fee, via account)	1.50€	Per transaction
Collector payments (University fee, with cash)	3.00€	Per transaction
Collector payments (University fee, with Credit Card)	1.50€	Per transaction
Insurance Company Kos Gyro payments (via account)	1.50€	Per transaction
Insurance Company Kos Gyro payments (with cash)	5.00€	Per transaction
Insurance Company Kos Gyro payments (with Credit Card)	1.50€	Per transaction
Kos Gyro payments for Sigma insurance company (voluntary payments)	0.50€	Per transaction (applies for cash payments, from account, credit card)

DEPOSITS AND SAVINGS

Term Deposit Accounts EUR
EUR
Period	Interest Rate	Effective Interest Rate
1 month	0.00% Annual	0.00% Annual
3 months	0.20% Annual	0.18% Annual
6 months	0.30% Annual	0.27% Annual
9 months	0.50% Annual	0.45% Annual
12 months	0.80% Annual	0.72% Annual
13 months	0.90% Annual	0.81% Annual
15 months	1.00% Annual	0.90% Annual
18 months	1.10% Annual	0.99% Annual
24 months	1.20% Annual	1.07% Annual
36 months	1.30% Annual	1.16% Annual
48 months	1.40% Annual	1.24% Annual
60 months	1.50% Annual	1.31% Annual
Term Deposit Accounts other currencies	Period	Interest Rate	Effective Interest Rate
USD	1 - 12 Monthly	0.00% Annual	0.00% Annual
CHF	1 - 12 Monthly	0.00% Annual	0.00% Annual
GBP	1 - 12 Monthly	0.00% Annual	0.00% Annual
*For term deposits over 60 months, please visit one of the branches of TEB Bank
**Interest rates are set annually. Existing accounts (agreements) will not be affected
Fee for massive cash deposit	Commission	Validity
Massive cash deposit fee / Applicable to legal entities Clients whose monthly average of deposit transaction is over 300	1.50€	Per transaction
*The fee shall be affective on 14.01.2017
Flexi Account
Currency	Interest Rate	Effective Interest Rate
EUR	0.05% Annual	0.04% Annual
Saving Account
Currency	Interest Rate	Effective Interest Rate
EUR	0.04% Annual	0.04% Annual
USD	0.00% Annual	0.00% Annual
CHF	0.00% Annual	0.00% Annual
GBP	0.00% Annual	0.00% Annual

For any time deposit agreement termination prior to maturity, penalty will apply
Income tax of 10% is deducted from gross accrued interest
Please, visit our portfolio officers for a detailed calculation of any deposit request. The calculation method is provided by bank staff, on customer request. The bank calculates effective interest rate on loans and deposits based on the CBK regulation on ‘‘effective interest rates and requirements for disclosure’’ and it is disclosed in the contract between bank and customer

CORRESPONDENT BANK FEES

Payments	ADDITIONAL FEES FOR CORRESPONDENT BANKS	VALIDITY
EUR Payments up to 50,000	9.00 €	Per transaction
EUR Payments over 50,000	12.50 €	Per transaction
USD Payments (fixed fee for all the payments)	22.00 USD	Per transaction
CHF Payments (fixed fee for all the payments)	12.00 CHF	Per transaction
GBP Payments (fixed fee for all the payments)	25.00 GBP	Per transaction
Payments to TEB Turkey (fixed fee)	2.00 EUR	Per transaction
EUR Payments in Germany €0 - €2,500	3.50 €	Per transaction
EUR Payments in Germany €2,500 - €10,000	7.00 €	Per transaction
EUR Payments in Germany €10,000 - €25,000	10.00 €	Per transaction

INDIVIDUAL LOANS

LOAN TYPE			COMMISSION
	Duration	Annual Rate	Monthly rate	Effective Interest Rate	Disbursement expenses
Consumer loans	0 - 36 months	10.80%	0.90%	12.51%	1.50%
	37 - 84 months	11.90%	0.99%	13.11%	1.50%
Fee for early loan payment					For the remaining maturity >12 months 1 % of unpaid loan principal; For the remaining repayment period <12 months 0.5 % of the remaining principal of the loan
Loan for house/apartment purchases for Budget salaries and Private Banking clients	0 - 180 months	5.88%	0.49%	6.21%	1.00%
Loan for house/apartment purchases for other salary receivers	0 - 180 months	6.60%	0.55%	6.97%	1.00%
Loan for house construction	0 - 120 months	6.60%	0.55%	7.04%	1.00%
Loan for houset renovation	0 - 120 months	6.60%	0.55%	7.04%	1.00%
Fee for early loan payment					pestë" If the loan closes in the first year, five percent (5%) of the principal amount. If the loan closes in the second year, four percent (4%) of the principal amount If the loan closes in the third year, 3% (3%) of the principal amount. If the loan closes in the fourth year, two percent (2%) of the principal amount If the loan is closed in the fifth year, one percent (1%) of the principal amount. There will be no penalty payment after the fifth year of repayment.
New Car Loans	0 - 36 months	9.96%	0.83%	11.57%	1.50%
	37 - 84 months	10.80%	0.90%	11.90%	1.50%
Used Car Loans	0 - 36 months	9.96%	0.83%	11.57%	1.50%
	37 - 84 months	10.90%	0.91%	12.03%	1.50%
Student Loans	0 - 60 months	7.90%	0.66%	8.91%	1.50%
Loans for clients who do not receive salary or rent through the Bank	0 - 36 months	14.88%	1.24%	17.59%	2.00%
Loans for payees who cannot transfer the salary to TEB	0 - 84 months	9.48%	0.79%	10.61%	2.00%
Cash Covered Loans	0 - 84 months	3.00%	0.25%	3.19%	0.50%
Fee for early loan payment					For the remaining maturity >12 months 1 % of unpaid loan principal; For the remaining repayment period <12 months 0.5 % of the remaining principal of the loan
Overdraft	0 - 120 months	18.00%	1.50%	19.69%	0.50%
Cash Covered Overdraft	0 - 120 months	10.80%	0.90%	11.43%	0.50%
Fee for early loan payment					Not applicable

Insurance price of individual loan
Insurance price of individual loan (personal accident and death from illness)
Consumer Loan Ammount/Sum insured	Low risk profession	Moderate risk profession
	Premium rate (VAT 18% not included)	Premium rate (VAT 18% not included)
Up to 5,000 €	€ 26.00	€ 28.60
5,001 - 9,000 €	Minimum premium of 26.00 €, otherwise the applicable rate would be 0.29%	Minimum premium of 28.60 €, otherwise the applicable rate would be 0.33%
>=10,000 €	0.29%	0.33%

Mortgage Loans	Sum insured	Risk covered	Rate of (%) the Premium
Apartments and Houses	Real value of property	Fire, lightning, explosion, falling of aircraft	0.13% (VAT of 18 % included)

Effective interest rate for all types of loans is calculated according to the longest maturity of each type of loan noted in the price list.
Please, visit our portfolio officers for a detailed calculation of any loan request. The calculation method is provided by bank staff, on customer request.The bank calculates effective interest rate on Loans and Deposits based on the CBK regulation on ‘‘effective interest rates and requirements for disclosure’’ and it is disclosed in the contract between bank and customer
The Borrower shall bear the costs of assessing the mortgage, including the fee for the notarization of the mortgage contract and the registration fee for the mortgage in the cadastral register.
Interest will be applied for each delay in payment.

For consumer loans that were signed until 28.06.2018, the loan application fee is 2% >12 monthly and 1 %

<12 monthly, based on the Law on Consumer Protection, No. 04/L-121 which was in force.. *By entering into force of the Law on Consumer Protection No.06/L-034, on 29.06.2018, the loan
application fee of 1% >

12 monthly and 0.5% <12 monthly applies.
** In accordance with the Regulation on Housing Mortgage Loans, from 01.04.2016, the aforementioned subscription fee applies only for loan agreements that were signed until 01.04.2016, while for contracts signed before this date, the fee for subscription of 50% of the remaining
loan applies.
Published on: 22.01.2019