Transactions on accounts of individuals

№	Operation	Charge	Note
1.1	Opening, maintenance, and closing of an account		No  charge
1.1.1	Opening, maintenance and closing of the debtor’s special bank account (to cover creditors’ claims with money obtained from the sale of collateral)	2 500 Rub.	Charged at the moment of account opening
1.1.2	Opening, maintenance and closing of the debtor’s special bank account (to secure the performance of obligations in the matter of the return of deposits transferred by participants of property sale tenders)	2 500 Rub.	Charged at the moment of account opening
1.1.3	Opening, maintenance and closing of the debtor’s special bank account (to reserve funds for interest payment to the financial manager)	500 Rub.	Charged at the moment of account opening
1.1.4	Opening, maintenance and closing of an impersonal metal account		No charge
1.2	Interest calculated on the balance	at the current rates of the Bank	paid as per the terms and conditions of the contract
1.3	Provision of an account statement		No  charge
1.4	Issuance of information letters about accounts and funds movement on an account; confirmation of the balance as of a certain date	RUB 300	debited when documents are issued
1.5	Provision of additional confirmations of execution of payment orders; answers to the Clients’ questions concerning transactions on their accounts executed:		fee is debited when service is provided
	• in the current calendar year	RUB 150
	• in the previous calendar year	RUB 300
	Operations with cash resources
1.6	Acceptance of cash funds to enter in an account		No  charge
1.7	Withdrawals of cash resources in roubles and foreign currency
1.7.1	Withdrawals of funds previously deposited in cash regardless of the accounting and depositing period, as well as of interest on deposits		No  charge
1.7.2	Withdrawals of funds held in the account in the currency received over 30 days ago		No  charge
1.7.3	Withdrawals of funds as cash originating from the Bank’s loan		No  charge
1.7.4	Withdrawals of funds as cash received under the settlement of letters of credit issued and executed by the Bank under the settlement between the Bank’s customers		No  charge
1.7.5	Withdrawals of funds as cash received under the sale of securities by the Bank on behalf of the account holder in accordance with the trust deed and under the sale of securities under the brokerage contract		No  charge
1.7.6	Payment of cash funds received through the bank transfer in the frame of: - civil law contracts concluded with the Bank (including, but not exclusively, the subcontracts, service contracts, salary payment contracts), and of contract cancellation agreements; - labor contracts concluded with the Bank (and respective contract cancellation agreements); - Bank internal normative and regulatory documents concerning all the types of incentive and compensatory payments; - Bank payments to the Members of the Supervisory Board and those of the Auditing Commission related to their membership in the respective governing bodies.		No  charge
1.7.7	Withdrawals of cash delivered from budgets of all levels (including pensions, allowances and other social payments listed by bodies authorized for charge, payment and accounting of state pensions and social payments)		No  charge
1.7.8	Withdrawals of cash delivered by wire transfer, except for transfers specified in paras. 1.7.2. – 1.7.7. (charged from payment amount account currency equivalent):
	• under 600 000,00 roubles (inclusive)	1,0 %	When defining the amount of commission, the amount of cash disbursed for the last 30 calendar days, preceding cash disbursement is totaled
	• from 600 000,00 roubles up to 3 000 000,00 roubles (inclusive)	3,0 %	When defining the amount of commission, the amount of cash disbursed for the last 30 calendar days, preceding cash disbursement is totaled
	• over 3 000 000 roubles	10,0 %	When defining the amount of commission, the amount of cash disbursed for the last 30 calendar days, preceding cash disbursement is totaled
	• Note:
	• 1. When withdrawing the cash from the account, the funds previously deposited through the Bank’s cash department are the first to be issued
	• 2. When executing the non-cash transactions on the account, including conversion operations, the funds delivered to the account by wire transfer are the first to be used
	• 3. When executing the conversion operations using non-cash assets, the date of crediting to the account is the date of conversion, and they are subject to para. 1.7.8 until the date specified in para. 1.7.2.
	• 4. When transferring the funds from the account open for payments with bank cards, the funds received on the account, are considered to be received on a cashless basis, and they are subject to para. 1.7.8 until the date specified in para. 1.7.2.
1.8	Verification of the authenticity, count and pack cash, bills and coins:
	• roubles	0,1% Min 3,000 RUB
	• foreign currency	0,1% Min 5,000 RUB
	Non-cash transactions
1.9	Crediting to an account of money received by a non-cash transfer		No  charge
1.10	Transfer of money from an account to an account of an individual maintained by the Bank		No  charge
1.11	Transfer of money to an account of a legal entity open with the Bank and payments between branches:
	• in roubles	1,0% min 100 RUB max 1,000 RUB
	• in foreign currency	1,0% min 100 RUB max 1,000 RUB
1.12	Transfer of money to an account in another bank:
	• in roubles:	1,5% min 100 RUB max 2,000 RUB	Except transfers to the trust accounts of EVROFINANCE MOSNARBANK
	• in foreign currency	1,0% min 600 RUB max 7,500 RUB	unless otherwise stipulated by the contract Except transfers to the trust accounts of EVROFINANCE MOSNARBANK
1.13	Execution of payment orders with use of express transfer service: - specifying “Express” in the field “Type of payment” of the payment document. Payment will be executed by the Bank within one hour after receiving payment document (if technically possible) - more than 100 million rubles without specifying the value "Express" in the payment document in the field "type of payment" according to the settlement document received during the operating hours1	RUB 3,000	Charged on the amount of each payment order in accordance with paragraphs. 1.12 or 6.4
1.14	Execution of payment orders received in extra hours during the current banking day on the basis of Customer’s written request2	2,0 % min 500 RUB, max 3,000 RUB
1.15	Foreign exchange		at the exchange rate of the Bank
1.16	Buying and selling impersonal precious metals		at the exchange rate of the Bank
	Additional services
1.17	Draft an Application to transfer individual`s money at the request of the Client	RUB 150 per sheet	debited at the time of drafting plus VAT (current rate)
1.18	Power of attorney’s project elaboration at the Customer’s (natural person) request in the form different of those approved by the Bank	RUB 250	charged at the moment of elaboration of the Power of attorney plus VAT (current rate)
1.19	Change of payment instructions	RUB 300
1.20	Request to cancel an earlier transfer	RUB 300

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¹ If it is not possible technically, the Bank has the right to refrain from executing the payment order marked as “urgent” through the fast transfer service. Bank has the right to define independently the execution’s procedure according to the terms stipulated in the banking account contract. In such a case, the Bank does not charge the respective commission and applies the tariff for this transfer according to the numeral 1.12 or 6.4. Payments with use of the fast transfer service will be possible if the following conditions are simultaneously met: - the payment order submitted to the Bank until 18.00 MT Monday-Thursday and until 17.00 Friday and holiday eves or 30 minutes before the end of the working day, established by a separate Order for the Bank; - at the moment of submitting the payment order to the Bank there are sufficient funds on account, which allow to fully execute the payment order, as well as to pay the Bank’s commission; The payment order with use of the fast transfer service submitted to the Bank when there are no sufficient funds on account for its execution nor for payment of the Bank’s commission, even submitted at the time and days specified in this note 1, will not be executed (will be cancelled) by the Bank; - if the payment order has been definitely accepted for execution.

² Payments are normally received until 04.00 pm MT during operation hours or within terms established by a separate internal Ordinance. Execution of payments in extra hours is possible through submission of payment order within the following terms: Monday-Thursday until 06.00 pm MT, Friday and pre-holidays – until 05.00 pm MT or 30 min. before the working day’s closing time, established by a separate internal Ordinance.