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1 OPENING AND MAINTENANCE OF ACCOUNTS

№	Operation	Charge	Note
1.1	Acccount opening¹	900 RUB
1.2	Account maintenance
1.2.1	for banks members of the payment systems in Ruble, US Dollar and Euro		cost of this service is included into the interest on the balance
1.2.2	for all banks except those mentioned in the numeral 1.2.1, all currencies except Euro		cost of this service is included into the interest on the balance
1.2.3	for all banks except those mentioned in the numeral 1.2.1, 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
1.3	Issuance of account statements (in hard copy, by telex, via SWIFT, etc)
1.3.1	current account transactions		cost of this service is taken into account when charging interest to the account remaining balance
1.3.2	Issuance of a duplicate copy of statement upon request of the correspondent	150 RUB/sheet
1.3.3	upon request of the correspondent, in case there are no account transactions, or for a specific period	150 RUB/sheet
1.4	Forwarding appendixes to the account statement in an electronic form (via telex, SWIFT)		cost of this service is taken into account when charging interest to the account remaining balance
1.5	Accrual of interest to the credit balance in Russian rubles and foreign currencies:
1.5.1	RF residents:	on monthly basis at the applicable Bank’s exchange rates for specified currencies and the remaining balance
1.5.2	Non-residents:	not accrued
1.6	Account debit balance	not permitted
1.7	Issuance of account opening statements upon request of the correspondent		cost of this service is taken into account when charging interest to the account remaining balance
1.8	Closing account upon request of the correspondent		cost of this service is taken into account when charging interest to the account remaining balance

¹ Cost of the services for opening correspondent accounts, used for settlements under plastic cards projects (including Union Card, VISA, MasterCard), is taken into account when charging interest to the account remaining balance

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1 OPENING AND MAINTENANCE OF ACCOUNTS

1 OPENING AND MAINTENANCE OF ACCOUNTS

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