Services and operations fees

Bank account-based transactions are carried out in accordance with the valid Bank’s rates of fees.

¹ Fee is charged in one of these occasions: (i) before starting verification of documents/data presented, and before making the decision to start business relationship with customer (the fee charged is not refunded despite the decision made by the Bank), (ii) if after making decision to start business relationship, founders/shareholders and/or beneficial owners of customer change as described in the criterias next to „Documents/Data Verification fee“ or business activity of customer is changed to high risk activity ² or such activity is added to customers activities.

² High Risk Activities:

• arms production, arms trade, ammunition;
• manufacture and sale of military machinery;
• mining industry (applicable if materials are not extracted locally (for example, petroleum raw materials, uranium));
• gambling houses (casinos), organization of other gambling and / or betting activities;
• lottery organization, execution;
• currency exchange;
• payment institution / payment service provider;
• e-money institution / e-money activity;
• credit institution;
• cash collection services;
• operator of crowdfunding platform;
• operator of a mutual lending platform.

³ A resident of the Republic of Lithuania is a person holding an identity document issued by the Republic of Lithuania and whose permanent place of residence is in the Republic of Lithuania OR a person holding an identity document issued by a country other than the Republic of Lithuania, but residing in the Republic of Lithuania respectively, and who is in possession of a document issued by the Republic of Lithuania, which entitles him/her to reside in Lithuania temporarily or permanently.

⁴ The fee does not apply if there is no technical possibility to open an account via Swedbank internet banking.

⁵ The fee applies to every customer account, including those where payment transactions are restricted for KYC/AML or other reasons.

⁶ Swedbank Group banks:

Swedbank (SWIFT code: SWEDSESS), Sweden, Stockholm

Swedbank (SWIFT code: SWEDFIHH), Finland

Swedbank (SWIFT code: SWEDNOKK), Norway

Swedbank AS (SWIFT code: HABAEE2X), Estonia

Swedbank AS (SWIFT code: HABALV22), Latvia

⁷ EUR-denominated transfer from the EU Member State, Andorra, Iceland, United Kingdom, Liechtenstein, Monaco, Norway, San Marino, Switzerland and Vatican if terms are acceptable, in this case the Payee’s bank SWIFT (BIC) must be indicated; the Payee’s bank account must be indicated in IBAN format; and the payment type is designated SHA.

⁸ Fee applies only to legal person which the Bank informs individually 30 calendar days in advance.

⁹ A resident of the EU/EEA countries (except Cyprus, Malta and Liechtenstein) is defined as a person who holds an identity document issued by any EU/EEA country (except Cyprus, Malta and Liechtenstein) and who is permanently resident in any EU/EEA country (except Cyprus, Malta and Liechtenstein) OR a person, who holds an identity document issued by a state other than the EU/EEA (except Cyprus, Malta and Liechtenstein) but who resides in any EU/EEA State (except Cyprus, Malta and Liechtenstein) and who holds a document issued by those states which confers the right of temporary or permanent residence in that state.

¹⁰ The fee is calculated at the end of each calendar day if the sum of the total account balances of a single legal person or financial institution¹² exceeds a specified limit in the relevant currency, multiplied by the absolute value, i.e. the modulus, of the relevant amount indicated in the table. The fee is waived if the specified central bank interest rate in the relevant currency is 0 or positive. The fee for the preceding calendar month shall be debited by the 15th day of the following calendar month in accordance with the procedure set out in the account agreement.

¹¹ EUR – Annual percentage rate of the European Central Bank for the use of the deposit facility
SEK – Sveriges Riksbank repo rate (%)
DKK – Danmarks Nationalbank Certificates of deposit rate
CHF – Swiss National Bank negative interest rate

¹² Financial institutions are undertakings (including their branches, representative offices, etc.) providing the services referred to in Article 3(1) of the Law on Financial Institutions of the Republic of Lithuania, as well as undertakings providing insurance services.

• Business Debit Card
• Business Credit Card
• Business Gold Credit Card
• Fees charged for temporary ATM card

Business Gold Credit Card

Contactless Mastercard

• ¹ Business Service Plan can be ordered only by legal entities which were established no earlier than 12 months ago. The terms and conditions of the Service Plan will be applied to the Client for 366 calendar days from the date when the Service Plan‘s rates took effect for the Client. On expiry of the said term, standard rates of the Bank‘s services and operations will apply to the Client.
• ² The fee is payable for each calendar month and is debited within the period from the 1st to 15th date of next calendar month for the past month. The fee is paid irrespective of whether the services included in the Service Plan are used or not. The monthly fee for the Service Plan for the first month in which the Service Plan was ordered by the Client and for the last month in which the Client terminates the Service Plan is calculated in proportion to the number of days when the terms of the Service Plan were applicable to the Client but the amount payable will be not smaller than one half of the Service Plan‘s monthly fee. In the event of termination of the Service Plan by the Client within the period of 31 calendar days from the date of its ordering, the Client will pay the full Service Plan‘s monthly fee for the month in which it was terminated.
• ³ The Service Plan comprises only the Business debit card Mastercard and in such number as indicated according to the chosen Service Plan. The Bank itself will select and assign to the Service Plan a certain debit card(s) issued in the name of the client. The client’s debit card assigned to the Service Plan will not be entitled to any other discounts, unless otherwise specified by the Bank.
• ⁴ If the client opts for one of the following Service Plans – Business, Business 10, Business 20, Business 50, Business 100, Business 200 or Business 400– only one PIN calculator is provided to the client free of charge and only for the first time the client chooses one of the listed Service Plans.

General terms of applying Service Plan rates:
The terms used in Prices and Rates have the same meaning as the terms used in Swedbank’s Complete Price List of Services and Operations.
Services not included in a Service Plan are charged according Swedbank, AB rates standard rates for services and operations.
If the number of credit transfers exceeds the number indicated in a Service Plan, such credit transfers are charged with Swedbank’s standard rates for services and operations.
If the client wishes to choose a Service Plan or to change it, the client needs to submit an application to the Bank.
Once the client chooses one of the Service Plans, from the date the Service Plan fees becomes effective the client is no longer entitled to the rates of Swedbank internet bank for business Price Package 1 and Price Package 2.
When the client opts out of the chosen Service Plan, the client is charged with Swedbank’s standard rates for services and operations.
The client can choose only one Service Plan at a time: Business, Business 10, Business 20, Business 50, Business 100, Business 200 or Business 400 and in addition Business Plus or just Business Plus.
If the client decides to change from the chosen Service Plan – Business, Business 10, Business 20, Business 50, Business 100, Business 200 or Business 400 – to another Service Plan offered by the Bank, except Business Plus, the client is supposed to have opted out of the chosen Service Plan.
No other discounts or individual rates are supposed to be applied to a fee for services included in a Service Plan. If the client, before choosing a Service Plan, was entitled to discounts and individual rates, these discounts and individual rates will be terminated within two business days of the Bank and the rates of the chosen Service Plan will become effective.
Service Plans are not meant for credit and payment institutions as well as electronic money providers. If the Bank finds out that the client is operating as a credit and payment institution or electronic money provider, the Bank is authorised to terminate the rates of the Service Plan for such client.

* In case there are more than 30 000 credit transfers per month via Swedbank Gateway channel there might be higher fee applied.

** After ordering the service, fee will be applied from 2022-01-01.

Transactions conducted via the Swedbank Gateway facility are charged according to the applicable Bank rates.

Other Transactions / operations conducted via the Swedbank Internet Banking for Business Customers are charged according to the Bank rates.

* The fee does not apply if there is no technical possibility to amend service agreement via Swedbank internet banking. The fee applies from 01.07.2019.

** Valid for agreements, concluded until 13^th of March 2017.

• ¹ Per each money request multiplied by payments initiated and performed based on such money request. Fee is calculated and debited once per month from the account from which the first money request was initiated.

• ¹ Fee is stated without Value Added Tax (VAT). Fee is subject for VAT the amount of which is determined in accordance with the applicable tax laws of the Republic of Lithuania.
• ² Terminal urgent installation term - next working day.
• ^* Smart terminal purchase in UAB “Hansab” fee – 140 EUR + VAT.

¹ Value Added Tax.

*Value Added Tax

* A separate agreement is concluded with regard to every account and the recipient/sender of SWIFT messages.

* The amount of the fee is set individually.

Day shall mean a period within which payment will credited to a beneficiary, where T0 means that payments are to be credited to the beneficiary’s account on the same day when Bank (until 17:00 on the same day) receives the payment and all information required for crediting payment from the payer’s bank. If the information is not sufficient or inaccurate for crediting the payment, the payment will be credited not earlier than on the next Bank business day.

Bank’s business day shall mean a day where such a day is neither Saturday nor Sunday, nor any other day-off or holiday defined by the legal acts of the Republic of Lithuania.

Note: On Good Friday EUR-denominated transfers are not received from other banks incorporated in Lithuania.

¹ Swedbank Group banks:

Swedbank (SWIFT code: SWEDSESS), Sweden, Stockholm

Swedbank (SWIFT code: SWEDFIHH), Finland

Swedbank (SWIFT code: SWEDNOKK), Norway

Swedbank AS (SWIFT code: HABAEE2X), Estonia

Swedbank AS (SWIFT code: HABALV22), Latvia

² Payments from banks or payment institutions in foreign countries except Russia and Belarus.

³ EUR-denominated payment from the EU Member State, Andorra, Iceland, United Kingdom, Liechtenstein, Monaco, Norway, San Marino, Switzerland and Vatican if terms are acceptable, in this case the Payee's bank SWIFT (BIC) must be indicated; the Payee's bank account must be indicated in IBAN format; and the payment type is designated SHA.

⁴ SEK or RON denominated payment from the EU Member State, Andorra, Iceland, United Kingdom, Liechtenstein, Monaco, Norway, San Marino, Switzerland and Vatican if terms are acceptable, in this case the Payee's bank SWIFT (BIC) must be indicated; the Payee's bank account must be indicated in IBAN format; and the payment type is designated SHA.

Hour shall mean an hour until which the payment order delivered on the Bank’s business day is considered as received (the countdown of the term of executing such payment order starts) on the same day and shall be executed within the number of the Bank’s business days specified in the ‘Day’ column, counting as of the day of delivery of the payment order. Payment order delivered after the specified hour on the Bank’s business day or on the day that is not the Bank’s business day shall be considered as received (the countdown of the term of executing such payment order starts) on the next Bank’s business day, but the funds will be debited immediately, thought it shall be executed within the number of the Bank’s business days specified in the ‘Day’ column, counting as of such next Bank’s business day (for example, should it be specified 14:00 in the ‘Hour’ column and T0 Day in the ‘Day’ column, a payment order delivered until 14:00 on the Bank’s business day shall be executed on the day of delivery of the payment order, while a payment order delivered after 14:00 or on a day that is not Bank’s business day shall be executed on the next Bank’s business day). The payment order submitted on the Bank's business day after the specified hour or on a day which is not a Bank's business day, if it has not been sent from the Bank yet, may be canceled by 4:00 on the next Bank's business day. The payment order submitted on the Bank's business day by 3:59 may be canceled before 4:00 on the same Bank business day.

Should nothing be specified in the ‘Hour’ column, payment order delivered at any time on the Bank’s business day shall be executed within the number of the Bank’s business days specified in the ‘Day’ column, counting as of the day of delivery of the payment order.

Day shall mean a number of the Bank's business days within which a payment order shall be executed. Countdown of the said term shall be started on the day of the receipt of a payment order, taking into account whether the payment order is delivered on the Bank's business day and/or until the set hour on the Bank's business day (see 'Hour' explanations provided hereinabove). For example, T0 - the payment order shall be executed on the same Bank's business day if delivered until time specified in the 'Hour' column.

Bank's business day:

• Credit transfers within "Swedbank", AB and Instant credit transfers – on each calendar day;
• Credit transfers SEPA to other banks incorporated in Lithuania (except Instant credit transfers) and [European payment]² – on a day that is neither Saturday, nor Sunday, Great Easter Friday, second Easter day, 1st of May, 25th and 26th of December, 1st of January;

¹ Instant credit transfer – the SEPA Instant credit of amount is less than EUR 15 000. Processed by EU valid instant payments schema rules. Currently Instant credit transfers are sent only to the banks registered in Lithuania that have joined Instant payments schema.

² EUR-denominated transfer to the EU Member State, Andorra, Iceland, United Kingdom, Liechtenstein, Monaco, Norway, San Marino, Switzerland and Vatican if terms are acceptable, in this case the Payee's bank SWIFT (BIC) must be indicated; the

Payee's bank account must be indicated in IBAN format, and the payment type is designated SHA.

³ Swedbank Group banks:

Swedbank (SWIFT code: SWEDSESS), Sweden, Stockholm

Swedbank (SWIFT code: SWEDFIHH), Finland

Swedbank (SWIFT code: SWEDNOKK), Norway

Swedbank AS (SWIFT code: HABAEE2X), Estonia

Swedbank AS (SWIFT code: HABALV22), Latvia

Explanations of OUR and SHA credit transfers

OUR. OUR type credit transfer means that when the funds are transferred to the Payee, the Payer (you) undertakes to pay all charges applicable by Swedbank, AB (hereinafter referred to as the Bank) and other banks' fees established for this type of credit transfer. Where your payment of such a charge to the Bank for effecting the payment order does not fully cover the charges stipulated by your Correspondent bank and the Payee's bank for effecting the payment order in question, you are expected to additionally cover the difference of the charges set by the Correspondent and Payee's banks.

SHA. SHA type credit transfer means that the Payer (you) covers the credit transfer-related fees charged by Swedbank, AB; fees of the other banks are to be covered by the Payee (meaning that the Payee may receive not a full amount , if agreed accordingly with his payment service provider).

In case of credit transfer SEPA you (as a Payer) select the OUR transfer, Bank may refuse to carry out such credit transfer on its own discretion (the payment order shall be considered not received) or proceed with the credit transfer after changing it to the SHA transfer.

Hour shall mean an hour until which the payment order delivered on the Bank’s business day is considered as received (the countdown of the term of executing such payment order starts) on the same day and shall be executed within the number of the Bank’s business days specified in the ‘Day’ column, counting as of the day of delivery of the order. Payment order delivered after the specified hour on the Bank’s business day or on the day that is not the Bank’s business day shall be considered as received (the countdown of the term of executing such payment order starts) on the next Bank’s business day, but the funds will be debited immediately, thought it shall be executed within the number of the Bank’s business days specified in the ‘Day’ column, counting as of such next Bank’s business day (for example, should it be specified 14:00 in the ‘Hour’ column and T0 Day in the ‘Day’ column, a payment order delivered until 14:00 on the Bank’s business day shall be executed on the day of delivery of the order, while a payment order delivered after 14:00 or on a day that is not Bank’s business day shall be executed on the next Bank’s business day). The payment order submitted on the Bank's business day after the specified hour or on a day which is not a Bank's business day, if it has not been sent from the Bank yet, may be canceled by 4:00 on the next Bank's business day. The payment order submitted on the Bank's business day by 3:59 may be canceled before 4:00 on the same Bank business day.

Should nothing be specified in the ‘Hour’ column, payment order delivered at any time on the Bank’s business day shall be executed within the number of the Bank’s business days specified in the ‘Day’ column, counting as of the day of delivery of the payment order.

Day shall mean a number of the Bank's business days within which a payment order shall be executed. Countdown of the said term shall be started on the day of the receipt of a payment order, taking into account whether the payment order is delivered on the Bank's business day and/or until the set hour on the Bank's business day (see 'Hour' explanations provided hereinabove). For example, T0 - the payment order shall be executed on the same Bank's business day if delivered until time specified in the 'Hour' column.

Bank's business day:

• Credit transfers non SEPA within "Swedbank", AB – on each calendar day;
• Other credit transfers non SEPA – on a day when "Swedbank", AB intermediate bank and beneficiary's bank performs transactions under the respective credit transfers. "Swedbank", AB, performs such transactions on days that are neither Saturday, nor Sunday, nor other day-off or holiday defined by the legal acts of the Republic of Lithuania.

¹ To banks and payment service institutions in Lithuania and other countries, except for: Afghanistan, American Samoa, Anguilla, Aruba, Belarus, Belize, Bhutan, Bonaire, Sint Eustatius and Saba, British Virgin Islands, Brunei Darussalam, Burkina Faso, Burundi, Central African Republic, Chad, Comoros, Cook Islands, Democratic People's Republic of Korea (North Korea), Djibouti, East Timor (Timor Leste), El Salvador, Equatorial Guinea, Eritrea, Eswatini (Swaziland), Fiji, Gambia, Grenada, Guinea, Guinea-Bissau, Haiti, Islamic Republic of Iran, Iraq, Kiribati, Lesotho, Marshall Islands, Mauritania, Myanmar (Burma), Federated States of Micronesia, Montserrat, Nauru, Niger, Niue, Northern Mariana Islands, Palau, Papua New Guinea, Russia, Saint Helena, Saint Lucia, Saint Vincent and the Grenadines, Samoa, Sao Tome and Principe, Syria, Solomon Islands, Somalia, South Sudan, Suriname, Tonga, Turks and Caicos, Tuvalu, Vanuatu, Bolivarian Republic of Venezuela, Wallis and Futuna, Western Sahara.

² Swedbank Group banks:

Swedbank (SWIFT code: SWEDSESS), Sweden, Stockholm

Swedbank (SWIFT code: SWEDFIHH), Finland

Swedbank (SWIFT code: SWEDNOKK), Norway

Swedbank AS (SWIFT code: HABAEE2X), Estonia

Swedbank AS (SWIFT code: HABALV22), Latvia

³ OUR credit transfers non SEPA shall be available only in certain cases when credit transfer non SEPA is executed to the other state which is a non EU Member State, Iceland, Liechtenstein, Norway. If the credit transfer non SEPA is made in any currency to EU Member State, Iceland, Liechtenstein, Norway and you (as a Payer) select the OUR transfer, Bank may refuse to carry out such credit transfer on its own discretion (the payment order shall be considered not received) or proceed with the credit transfer after changing it to the SHA credit transfer.

Explanations of OUR and SHA payment transfers

OUR. OUR credit transfer means that when the funds are transferred to the Payee, the Payer (you) undertakes to pay all charges applicable by Swedbank, AB (hereinafter referred to as the Bank) and other banks' fees established for this type of credit transfers. Where your payment of such a charge to the Bank for effecting the payment order does not fully cover the charges stipulated by your Correspondent bank and the Payee's bank for effecting the payment order in question, you are expected to additionally cover the difference of the charges set by the Correspondent and Payee's banks.

Note: if a credit transfer is denominated in USD, other banks' fees can be additionally debited from the Payee's bank account.

SHA. This type credit transfer means that the Payer (you) covers the transfer-related fees charged by Swedbank, AB; fees of the other banks are to be covered by the Payee (meaning that the Payee may receive not a full amount, if agreed accordingly with his payment service provider).

Explanation of the return of credit transfers
In cases when return of the credit transfer is initiated by the beneficiary bank or bank correspondent (e.g. due compliance risk, inaccurate payment data, etc.), their fees can be deducted from the transfer amount or debited from the payer's (your) account.

Hour shall mean an hour until which Giro payment delivered on the Bank’s business day is considered as received (the countdown of the term of executing such Giro payment starts) on the same day and shall be executed within the number of the Bank’s business days specified in the ‘Day’ column, counting as of the day of delivery of Giro payment. Giro payment delivered after the specified hour on the Bank’s business day or on the day that is not the Bank’s business day shall be considered as received (the countdown of the term of executing such Giro payment starts) on the next Bank’s business day, but the funds will be debited immediately, thought it shall be executed within the number of the Bank’s business days specified in the ‘Day’ column, counting as of such next Bank’s business day (for example, should it be specified 16:00 in the ‘Hour’ column and T0 Day in the ‘Day’ column, Giro payment delivered until 16:00 on the Bank’s business day shall be executed on the day of delivery of the order, while Giro payment delivered after 16:00 or on a day that is not Bank’s business day shall be executed on the next Bank’s business day). The Giro payment submitted on the Bank's business day after the specified hour or on a day which is not a Bank's business day, if it has not been sent from the Bank yet, may be canceled by 4:00 on the next Bank's business day. The Giro payment submitted on the Bank's business day by 3:59 may be canceled before 4:00 on the same Bank business day.

Should nothing be specified in the ‘Hour’ column, Giro payment delivered at any time on the Bank’s business day shall be executed within the number of the Bank’s business days specified in the ‘Day’ column, counting as of the day of delivery of Giro payment.

Day shall mean a number of the Bank’s business days within which Giro payment shall be executed. Countdown of the said term shall be started on the day of the receipt of Giro payment, taking into account whether Giro payment is delivered on the Bank’s business day and/or until the set hour on the Bank’s business day (see ‘Hour’ explanations provided hereinabove). For example, T0 – Giro payment shall be executed on the same Bank’s business day if delivered until time specified in the ‘Hour’ column.

Bank’s business day:

- Giro payments within Bank – on each calendar day;

- Giro payments to other banks incorporated in Lithuania – on a day that is neither Saturday, nor Sunday, Great Easter Friday, second Easter day, 1st of May, 25th and 26th of December, 1st of January.

¹ The fee is not applied when the payment order is submitted on a Bank business day after the specified hour, or on a Bank business day before 3:59, or on a day that is not a Bank business day, and such credit transfer is canceled by the payer in Swedbank Internet Bank until the next Bank business day 4:00.

² The fee applies regardless of whether the funds are returned to the payer. If the funds are credited to the beneficiary's account or the credit transfer is sent from the Bank, the funds may be returned to the payer only with the consent of the beneficiary.

³ International credit transfer - credit transfer non SEPA to banks incorporated in Lithuania, credit transfer SEPA to foreign banks and credit transfers non SEPA to foreign banks.

⁴ SEPA Member State - EU Member State, Andorra, Iceland, United Kingdom, Liechtenstein, Monaco, Norway, San Marino, Switzerland and Vatican.

*The fee does not apply for natural person when the payment order in euro to transfer deposited cash to one’s own account in another bank or to another customer’s account in any other bank is presented at once.

**The fee does not apply when the sum does not exceed EUR 5. The fee does not apply for natural person when the payment order to transfer deposited cash to one’s own account in another bank or to another customer’s account in any other bank is presented at once.

*** The fee does not apply for the exchange of EUR-denominated coins when the sum does not exceed EUR 5.

**** The fee is applicable to customers whose cash is delivered to the bank using collection services provided by third parties

Loan (investment loan, working capital loan, overdraft (credit on bank account), credit line, guarantee limit, and other loans for corporate customers, except loans mentioned below as well as loans subject to separate fees approved).

Investment loan for apartment house renovation (Apartment Owners Association)

Notes:
1. Final charge on a case-by-case basis is determined by a competent loan committee or persons having respective individual expertise.
2. These fees also apply to granting loans to natural persons, if such loans are granted for business financing purposes.

* Fund orders submitted to the Bank cannot be cancelled.

** Percentage fee calculated from subscription amount. Additional fixed operations fees may be applied to subscription, redemption and fund switch transactions as specified in table above.

*** Fund switch subject to the conditions specified in the relevant fund terms, fee charged only on delivery side.

**** Safekeeping fee is calculated based on the market value of the investment fund units on the account on the last date of the calendar month.

***** Lithuanian Republic Government Saving Notes and “Swedbank” group funds are excluded from the calculation of the portfolio value for safekeeping fee calculation.

If “Swedbank”, AB (hereinafter the Bank) is obliged to pay any taxes, fees, interest, penalties or incur other costs that are not covered in the Bank’s Price List and are related to the provision of securities safekeeping, execution and any other relevant service to the Client, the Bank shall have the right to debit such amounts from the Client’s Current Account without prior Client’s consent. The Bank shall provide additional information about such debits and the underlying costs to the Client upon request.

* Percentage fees calculated from trade amount.

Trading fee is charged in trading currency, the Bank exchange rates apply.

Minimum order size may be applied for certain countries.

Trading orders transmitted to the Bank can be cancelled only until executed.

In case the order is not executed in full during a single trading day, the trading fee (including minimum trading fee) for partial order execution is charged in full for each trading day when the order is partially executed.

Exchange traded funds (ETFs) are treated as shares.

If purchase transactions are subject to FTT according to local market regulations (e.g. France, Italy), such tax is added to the transaction charges.

** A stamp duty of 0,5% of transaction amount on buying UK securities and 1% on buying Irish securities is added to the transaction charges. In certain events, a higher rate (1,5%), a bonus rate or tax exemption may apply for UK securities.

*** Repurchase transactions available only for professional clients.

* Calculating from the face value of the transaction

* Safekeeping fee is calculated based on the value of the portfolio on the last date of the calendar month. Securities are priced according to the month end prices of the Bank’s local agents, market price or nominal value of the security. Bonds are always priced at nominal value. The safekeeping fees are debited from the Client’s current account linked to the securities account.

ETF safekeeping fee equals to the safekeeping fee of its trading country.

Safekeeping on other markets subject to separate agreement.

Safekeeping fee includes safekeeping fees charged by the Bank’s local market agents

Safekeeping of Depositary Receipts (ADR, GDR) is subject to the respective DR Agent’s fees.

** Monthly minimum safekeeping fee is per securities accounts and charged only for accounts with holdings if total monthly account fee is below minimum.

* Fees charged from both parties of the transaction if not specified otherwise.

For investment fund units’ trading, please see „Investment Fund Units’ Trading and Safekeeping“

** Fee is charged from delivery transaction

*** Transaction fee includes standard settlement fees charged by the Bank’s local market agents.

**** Cancellation is allowed if instruction is not yet processed by the Bank.

* Fees charged from both parties of the transaction if not specified otherwise.

** In case of inheritance of securities, fee charged only from the beneficiary. Free of payment transaction fee applies additionally, in case securities delivered/received to/from another custodian.

*** Pledge registration based on bailiff’s instructions is free of charge.

**** Tax reclaim and general meeting services are subject to availability on each specific market.

***** Includes necessary information providing to the Client for electronic voting. Service is subject to availability on each specific market.

****** Service is provided in case when trading or safekeeping in specific market is not available anymore. Service is subject to availability on each specific market.

******* Fee will be debited next month after the tax reclaim application is submitted by the client. The fee will not be refunded in case the application is denied by third parties.

******** Owner account is an account in the name of the Client opened at Nasdaq CSD, Lithuania and used only on behalf of the specific Client.

********* Owner accounts can be opened only at the branch office.

********** Maintenance fee is charged in addition to monthly securities safekeeping fee.

*Applicable for every contract.

¹Withdrawal of funds in cash over-the-counter at the Bank office for Lithuanian Republic Government Saving Notes (i) distributed until February 9, 2021, upon the expiry of 60 days from their coupon payment or redemption and (ii) distributed after February 9, 2021, shall be done at standard fees indicated in clause No 4 “Withdrawal of cash from one’s bank account over-the- counter at the Bank office” of the chapter “Operations with Cash” of the part “Operations with Cash” of these “Fees Charged by Swedbank, AB for Its Services and Operations”.

Investors Lithuanian Republic Government Saving Notes for services and operations which are not indicated in these “Fees Charged by Swedbank, AB for Its Services and Operations”, part “Securities”, chapter “Lithuanian Republic Government Saving Notes”, pay standard fees for services and operations.

* Guarantee or surety or standby letter of credit

** If the guarantee issue is not secured by cash collateral, the obligation under the guarantee commission shall be applicable. Cash collateral is not interest bearing. If the guarantee is issued on an urgent basis, in a non-standard wording, in the foreign language or for longer than one-year validity, an extra fee could be charged by arrangement.

* In case of Standby letter of credit being issued the fees applicable to Documentary payments and guarantees under the clause “Guarantees” to be applied.

** The obligation under documentary credit commission is applied if the documentary credit issue is not secured by a cash collateral. Cash collateral is not interest bearing.

Where monthly fees are charged, mileage shall be limited to 3 000 km/month.

¹ A car appraisal report issued by the appraiser acceptable to Swedbank shall be required when the obligations by existing contract are transferring to the new customer or car is purchased from the seller who is not included in the List of Sellers Acceptable to Swedbank.

² This option is available: (1) in the cities of Vilnius, Kaunas and Klaipėda, when the car is delivered for inspection at a place and time specified by Swedbank; (2) in other cases, Swedbank may waive the requirement to deliver the car for inspection by specifying a different valuation procedure.

³ A separate fee for the issuance of a certificate shall apply for each period of twelve calendar months or for each commitment date specified in the application. A fee of EUR 25 plus VAT shall be charged for a certificate not relating to a time period or commitment date.

⁴ Foregone interest shall be calculated by multiplying the amount of interest on the first unbilled invoice in the schedule by the number of unbilled invoices/periods (until reinstatement of the agreement).

⁵ This fee may be included in the sale price of the leased property or paid separately.

* Value Added Tax