1 OPENING AND MAINTENANCE OF ACCOUNTS

№	Operation	Charge	Note
1.1	Opening and maintenance of accounts
1.1.1	Opening of account		The service cost is included in the commission fee rate for maintenance of account
1.1.2	Maintenance of accounts:
	• In the cases of carrying out operations within the account¹
1.1.2.1	current/payment accounts in Rubles
	• using the Client-Bank system	RUB 1500 (on a monthly basis)
	• without the use of Client-Bank system	RUB 2000 (on a monthly basis)
1.1.2.2	current accounts in foreign currency
	• using the Client-Bank system	RUB 1500 (on a monthly basis)
	• without the use of Client-Bank system	RUB 2000 (on a monthly basis)
	• Without movement of funds on the account during the calendar year in question
1.1.2.3	Bank accounts in Rubles and foreign currency, except saving accounts	in the amount of outstanting balance, but not more than 10000 RUB	Charged annually in the last working day of the year
	• Regardless of the operations performed on non-resident accounts during the calendar month
1.1.2.4	Non-resident payment accounts in Euro	0,7% per annum on the daily balance	the commission fee is charged monthly in Euro on the last working day of the month. If funds on the account are not sufficient, the debt amount is fixed according to the Bank of Russia’s exchange rate established on the last working day of the month; not subject to VAT
1.1.3	Delivery of statements:
1.1.3.1	on current operations		Cost of service is included in the commission fee for maintenance of account
1.1.3.2	delivery of statement copy upon client’s request	RUB 250 per statement
	- per each appendix to the statement	RUB150 per sheet
1.1.3.3	delivery of statement, as requested by client, as of a definite date in case of no account operations	RUB 250 per each copy of statement
1.1.3.4	delivery of statement, as requested by client, for a definite period of time	RUB 250 per sheet	Statement is delivered without appendixes
1.1.3.5	delivery of statement copy upon client’s request	RUB 250 per each copy of statement	Statement is delivered without appendixes
1.1.4	Accrual of interest²
1.1.4.1	accrual of interest on the credit balance on payment/current accounts	under applicable tariffs of the Bank on a monthly basis
1.1.4.2	accrual of interest on the credit balance on other accounts	in accordance with the RF legislation and the procedure established in the Bank
1.1.5	Closing of account upon client’s request		Cost of service is included in the commission fee for maintenance of account
1.1.6	Other services related to opening and maintaining of accounts
1.1.6.1	Execution of an agreement on debiting the Customer’s accounts in favor of third parties without additional instructions by the Customer	RUB 500 for agreement	VAT is not charged
1.1.6.2	Execution and certification by the Bank of a copy of the client’s effective sample card following the client’s request	RUB 150 / 1 copy	plus VAT (effective rate)
1.1.6.3	Issue of the chartered capital payment certificates	RUB 300	VAT is not charged
1.1.6.4	Issue of the chartered capital payment certificates (on the same day it is requested)	RUB 600	VAT is not charged
1.1.6.5	Issue of the account opening certificates	RUB 150 / 1 copy	VAT is not charged
1.1.6.6	Urgent issue of the account opening certificates (on the same day it is requested)	RUB 300 / 1 copy	VAT is not charged
1.1.6.7	Certifying the authenticity of the signature in the sample signature card and stamp sample by an authorized Bank officer	RUB 450 for each signature	plus VAT (effective rate)
1.1.6.8	Photocopy of the valid bank account contracts certified by the Bank	RUB 500 / 1 contract	plus VAT (effective rate)
1.1.6.9	Copying and certifying copies of documents provided by Customer at the opening (maintaining, closing) of a bank account	RUB 80 / 1 page	plus VAT (effective rate)
1.1.6.10	Copying and certifying copies of document packs for opening Customer accounts	RUB 1000	plus VAT (effective rate)
1.1.6.11	Authorized employee’s visit to the Customer with the following purposes (if accepted by the Bank):	RUB 3000	plus VAT (effective rate)
	- issuance and certifying of a bank card;
	- copying and certifying copies of document packs for opening Customer accounts (within the Moscow Ring Road)

¹ except the following operations:

accrual of interests on the Customer account’s credit balance
taxation of interests accrued on the credit balance (non-resident accounts)
transfer of funds from the Customer account to the Bank’s income accounts and also to the account where the VAT is recorded

² The client shall lose the right to receive interest on payment (current) accounts balances (Cl.1.1.4) if the client transfers its account to another bank by the moment of relevant settlements under the Contract.

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1 OPENING AND MAINTENANCE OF ACCOUNTS

1 OPENING AND MAINTENANCE OF ACCOUNTS

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