FEES (PAYMENTS)
COMPILATION OF FEES (PAYMENTS) FOR THE OPERATIONS CARRIED OUT BY BNB-BANK (from 13.02.2017)

No. Description of Operation Fee (Payment) Comments

I. SERVICES FOR LEGAL ENTITIES, INDIVIDUAL ENTREPRENEURS, PRIVATE NOTARIES AND INDIVIDUALLY PRACTISING LAWYERS

1.1. Settlement and cash services in Belarusian rubles

1.1.1 Bank transfer on the basis of payment orders: (1)

1.1.1.1 - submitted on paper 1,50 BYN for each payment order

- submitted by the Client-Bank, Internet-Bank systems 0,75 BYN or included in the Package for each payment order or included in the Package. For the clients who opened the first current (settlement) account before 05/01/2015, the rate is valid from 01/04/2015.

- submitted by the Client-Bank, Internet-Bank systems in excess of the amount included in the Package 0,50 BYN for the clients served under the Package (except for the SMArt IP Package) - for each payment order in excess of the amount included in the Package.

1.1.1.2 Transfers to the individual accounts in BNB-Bank with the subsequent authorization by the processing centre (product SMArt Salary)

– with credit in the framework of the Standard salary project (9) "Basic" 0.6% of the amount shall be charged in addition to the fee under paragraph 1.1.1.1

– with credit in the framework of the Complex salary project (9) "Profitable" 1.5% of the amount

– with credit in the framework of the VIP salary project (9) "Premium" 2.5% of the amount

- from accounts of individual entrepreneurs, notaries, individually practising lawyers, opened with BNB-Bank to the accounts of individuals beyond the salary projects 1% of the amount for the clients who opened the current (settlement) account before 21/07/2014 and/or not participating in the promotion (14) (unless another amount was set by the individual agreement) shall be charged in addition to the fee under paragraph 1.1.1.1

1.1.1.3 - from accounts of individual entrepreneurs, notaries, individually practising lawyers, opened in BNB-Bank to the accounts of individuals beyond the salary projects 0.6-0.9% of the amount for the clients participating in the promotion (14) (unless another amount was set by the individual agreement) shall be charged in addition to the fee under paragraph 1.1.1.1

1.1.2 Additional services for a bank transfer on the basis of payment orders and payment requests:

1.1.2.1 Express payment 3,50 BYN


1.1.2.2 Transfer of funds in Belarusian rubles to an account in a non-resident bank of the Republic of Belarus 4,00 BYN commission fees of third-party banks for transfers shall be reimbursed in addition

1.1.3 Cash withdrawal from the account:

1.1.3.1 - legal entity 1% of the amount unless another amount was set by the individual agreement

1.1.3.2 - individual entrepreneur, notary, individually practising lawyer 1% of the amount for the clients who opened the current (settlement) account before 21/07/2014 and/or not participating in the promotion 14(unless another amount was set by the individual agreement).

1.1.3.3 - individual entrepreneur, notary, individually practising lawyer 0.8-0.9% of the amount for the clients participating in the promotion (14) (unless another amount was set by the individual agreement).

1.1.3.4 - with the simultaneous issuance of the cash payment voucher form 0402540102 0,50 BYN shall be charged in addition to the fees under paragraphs 1.1.3.1.-1.1.3.3. of the Compilation of Fees or paragraph 2.1.14. of the Package

1.1.4 Issuance of a checkbook for cash (25 sheets) (8):

- on the day of submission of the application and payment for the service (express issuance) 10,00 BYN within 1 hour from the moment of submission of the application and payment for the service

- within the next banking day after submission of the application and payment for the service 5,00 BYN


1.1.5 Acceptance and transfer (credit) of cash in the local currency:

- to accounts opened with other banks 1% of the amount


1.1.6 Acceptance and transfer (credit) of cash in the local currency in exchange offices of BNB-Bank:

- to accounts opened with BNB-Bank 0.2% of the amount transfer (credit) shall be made within the banking day following the day of acceptance of the cash

- to accounts opened with other banks 1% of the amount

1.1.7 Use of the funds received during the transaction day at the bank account of the client (except for the term bank deposit account) 0.1% of the amount used


1.1.7.(1) Use of the funds received during the transaction day at the bank account of the Client (except for the term bank deposit account; transfers to the accounts of the Clients, opened with BNB-Bank, except transfers to the term bank deposit accounts) 0.1% of the amount used the fee shall be charged in case of the Client's connection to a Package and use of an additional option "Counter payment" in accordance with paragraph 2.1.10 of a Package

1.1.8. Maintaining a current (settlement) bank account: (13)

- legal entities 10,00 BYN the fee shall be charged if there is any turnover for the current month (except for mandatory payments to the budget accounts 3600 (3602), commission fees in favour of BNB-Bank or funds credited to the client’s account from expenditure accounts of BNB-Bank) and for maintenance without the use of the Client-Bank, Internet-Bank electronic payment systems or without a Package. Settlement and cash services subject to the established special fees shall be paid in addition. For the clients who opened the first current (settlement) account before 05/01/2015, the rate is valid from 01/04/2015.

- individual entrepreneurs (notaries, individually practising lawyers) 10,00 BYN

1.1.9 Recall (amendment) of a payment instruction before the bank processing in accordance with the laws of the Republic of Belarus, initiated by the client (except for payment instructions placed in the payment file, payment instructions of the client for transfer to another bank at the deposit account in case of allocation of funds to the deposit held with BNB-Bank):

- recall of a payment instruction 10,00 BYN for one payment instruction

- changes in a payment instruction 20,00 BYN

1.2. Settlement and cash services in foreign currency

1.2.1 (15) Execution of payment instructions (including transfers with purchase/conversion, as well as payment instructions, the terms of which are set out in the agreement between the Bank and the Client, applications, notices, orders of the Client) for bank transfers to receiving accounts opened in non-resident banks9:

in US dollars:

- costs at the Payer's account (OUR) - Standard terms 0.15% of the amount (min. 25 USD, max. 150 USD) commission fees of third-party banks shall be paid in addition in Belarusian rubles at the exchange rate of the National Bank on the date of charging the commission fee

- costs at the Payer's account (OUR) - De Luxe terms 30 USD guaranteed transfer providing credit to the beneficiary of the full payment amount (commission fees of correspondent banks and third-party banks are included in the cost of the transfer); shall be charged in addition to the fee set for the transfer under the Standard terms

- costs of transfer by BNB-Bank at the Payer's account, expenses of other banks - at the expense of the Beneficiary (Recipient) (SHA) 0.1% of the amount (min. 17 USD, max. 120 USD)


- costs at the expense of the Beneficiary (Recipient) (BEN) 0.1% of the amount (min. 17 USD, max. 120 USD)

in Euro:

- costs at the Payer's account (OUR) - Standard terms 0.15% of the amount (min. 25 EUR, max. 150 EUR) commission fees of third-party banks shall be paid in addition in Belarusian rubles at the exchange rate of the National Bank on the date of charging the commission fee

- costs at the Payer's account (OUR) - De Luxe terms 30 EUR guaranteed transfer which involves credit to the beneficiary of the full payment amount (commission fees of correspondent banks and third-party banks are included in the cost of the transfer); shall be charged in addition to the fee set for the transfer under the Standard terms

- costs of transfer by BNB-Bank at the Payer's account, expenses of other banks - at the expense of the Beneficiary (Recipient) (SHA) 0.1% of the amount (min. 17 EUR, max. 100 EUR)


- costs at the expense of the Beneficiary (Recipient) (BEN) 0.1% of the amount (min. 17 EUR, max. 100 EUR)


in Russian rubles (OUR) 0.15% of the amount (min. 400 RUB, max. 5,000 RUB) commission fees of third-party banks shall be paid in addition

in other currencies (OUR) 25 USD commission fees of third-party banks shall be paid in addition

1.2.2 (15) Execution of payment instructions (including transfers with purchase/conversion, as well as payment instructions, the terms of which are set out in the agreement between the Bank and the Client, applications, notices, orders of the Client) for bank transfers to receiving accounts opened in banks in the Republic of Belarus: 10 USD except for transfer to accounts opened with BNB-Bank

1.2.3 (15) Express payment (payment execution within 30 minutes with the issuance of a copy of the SWIFT message to the Client) 50 USD shall be charged in addition to the cost of the basic payment referred to in paragraphs 1.2.1, 1.2.2

1.2.4 (15) To change or cancel an executed payment instruction (including payment instructions, the terms of which are set out in the agreement between the Bank and the Client, applications, notices, orders of the Client) upon written request of the Client 30 USD commission fees of correspondent banks and third-party banks shall be paid in addition

1.2.5 (15) Investigation of details of execution of payment instructions (including payment instructions, the terms of which are set out in the agreement between the Bank and the Client, applications, notices, orders of the Client) upon written request of the Client 30 USD commission fees of correspondent banks and third-party banks shall be paid in addition

1.2.6 (15) Debiting funds from a current account due to recovery on the basis of judicial executive documents with conversion, purchase, sale 30 USD


1.2.7 Processing of payment instructions submitted on paper 10 USD shall be charged in addition to the cost of the basic payment

1.2.8 Acceptance and transfer (credit) of cash in foreign currency:

- to accounts opened with BNB-Bank 0,5% of the amount (min. 1 USD)


- to accounts opened with other banks 1% of the amount (min. 10 USD)

1.2.9 Cash withdrawal in foreign currency 1% of the amount (min. 10 USD)

1.3. Stock exchange operations

1.3.1. Mandatory sale of foreign currency 0,19%


1.3.2. Free sale of foreign currency


- From 30 000 USD/EUR, from 2 000 000 RUB 0,29% from amount


- Less than 30 000 USD/EUR, less than 2 000 000 RUB, other foreign currency 0,39% from amount


1.3.3. Purchase of foreign currency: (16)

- From 30 000 USD/EUR, from 2 000 000 RUB 0,29% from amount if other percentage is not set up by terms and conditions of the Package of services

- Less than 30 000 USD/EUR, less than 2 000 000 RUB, other foreign currency 0,59% from amount

1.3.4. Cancellation of application in connection to failure of crediting/absence of BYN funds on account, which suffice for purchasing of foreign currency 50,00 BYN


1.4. Use of remote banking service systems

1.4.1. Monthly subscription fee for the Client-Bank system service (16) 15,00 BYN or included in the Package


1.4.2. Monthly subscription fee for the Internet-Bank system service (16) 10,00 BYN) or included in the Package


1.4.3. Interruption of the agreement for providing services in the Client-Bank or Internet-Bank systems initiated by the Client at the end of the 6 months from the beginning of use free for a period of 3 months maximum

1.4.4. Copies of the documents transmitted by the Client-Bank or Internet-Bank remote banking systems, certified by the bank stamp (executed payment orders, orders for purchase/sale of foreign currency, foreign currency allocation registries, information on received funds, information on completion of all operations, etc.) 0,50 BYN for one page

1.4.5. Addition of an extra key to the Client-Bank or Internet-Bank systems:

- the key provided by the bank 12,50 BYN


- the key acquired and provided by the Client 2,50 BYN

1.4.6. Transfer of Client-Bank software used by the client, from the solution of System Technologies, JV to the solution of Bi-Logic, ALC or from the solution of Bi-Logic, ALC to the solution of System Technologies, JV:

- the key provided by the bank 20,00 BYN


- the key acquired and provided by the Client 17,50 BYN

1.4.7. Reinstall and/or restore operating capacity of the Client-Bank system (caused by the Client, at the request of the Client) 7,50 BYN



1.4.8. Resume provision of services for the exchange of electronic documents in the Client-Bank, Internet-Bank systems, previously suspended by the Bank due to delayed payment for the services by the Client or violations of other terms of the agreement by the Client 5,00 BYN The service shall be available after payment of this commission fee, subscription fee, as well as the repayment of the existing debt

1.4.9. Connection to the Client-Bank, Internet-Bank systems with the conclusion of a new agreement for services with the use of the system (provided that the previously existing agreement with the bank for EPS services has been terminated within 1 year) 15,00 BYN except for the cases where the Client has terminated the agreement due to first transition from the service based on the Compilation of Fees to the Package and provided that the Client has no arrears in the payment of the commission fees to the Bank

1.5. Opening and closing of accounts

1.5.1. Transfer of funds from a temporary account opened for the establishment of the authorized fund to the current (settlement) account opened with another bank 14,00 BYN


1.5.2. Closing a bank account initiated by the Client (3) 50,00 BYN



1.6. Excluded from 22.12.2015

1.7. Additional services

1.7.1 Processing of payment documents and receiving them for collection:

- payment demands 2,50 BYN


1.7.2. Conclusion of a supplementary agreement to the agreement with the Bank initiated by the Client (5) 35,00 BYN


1.7.3. (15) Forwarding money coming to the closed account of the client (on the client's request) to another bank;


return of funds from the interim accounts "suspense accounts", "funds in settlements with customers" mistakenly paid by the payer, the payer's bank, received for customers without accounts in BNB-Bank:

- In Belarusian rubles 2% (max. 10,00 BYN) of the transfer amount accumulated during the transaction day

- in foreign currency 30 USD Commission fees of third-party banks shall be charged additionally at the expense of the Beneficiary (Recipient)

1.7.4 Issuance of certificates related to banking services upon written request of the Client:

1.7.4.1 - on the day of submission of the application and payment for the service 5,00 BYN or included in the Package except for the information on the temporary accounts for the establishment of the authorized fund

1.7.4.2 - the cost of one page of the annex to the certificate issued on the day of submission of the application and payment for the service 0,05 BYN shall be charged in addition to the fee under paragraph 1.7.4.1

1.7.4.3 - the next banking day after submission of the application and payment for the service at the earliest 3,00 BYN except for the information on the temporary accounts for the establishment of the authorized fund

1.7.4.4 - the cost of one page of the annex to the certificate issued on the next banking day after submission of the application and payment for the service at the earliest 0,03 BYN shall be charged in addition to the fee under paragraph 1.7.4.3

1.7.5. Execution of payment instructions issued with the help of the bank under the settlement (current), deposit and other accounts

- for transfers of Belarusian rubles, foreign currency in favour of a resident 5,00 BYN shall be charged in addition to the cost of the basic payment

- for transfers of Belarusian rubles, foreign currency in favour of a non-resident 10,00 BYN

1.7.6. Help in preparing any kind of documents related to the service (except for payment instructions), including filling-in and printing 3,50 BYN (VAT included)


1.7.7. Acceptance for execution and/or sending payment orders, purchase orders (sale, conversion) for currency, statements and other bank documents through Belpochta, RUE within the Republic of Belarus (upon the client's written request):


- for one postal message 0,20 BYN


- service for a month 4,00 BYN

1.7.8. Transmission of documents requested by the client using the teletransmission means (Internet, email, fax) 0,20 BYN

1.7.9. Providing a copy of a SWIFT message on paper confirming sending of transfer, transmission by fax to the address of the client:


- for the current year 1,50 BYN


- for the previous years 3,00 BYN

1.7.10. Confirming signatures of the persons authorized to sign documents for settlement with the card with the samples of the signatures and seal when it is replaced due to changes in the composition of the authorized persons for the card, examples of their signatures, the sample seal in cases of transferring of accounts, replacement of the card for other reasons initiated by the client 3,00 BYN per card the service shall be available after payment; no charge for re-registration of the card in the name of a liquidator or bankruptcy trustee in bankruptcy proceedings, or when the account holder is recognized as a bankrupt

1.7.11. Acting as a currency control agent when checking the validity of the purchase of foreign currency by the client of the bank from another bank 5,00 BYN


1.7.12. Providing information at the request of the client:

- to conduct an audit, for the audit company at the request of the audit company, in Russian 10,00 BYN


- to be submitted to any office concerned, including at the request of the audit company, in English 20,00 BYN

1.7.13. Provision of duplicate statements, duplicate payment documents (upon written request of the client) issued more than 2 weeks ago 1,55 BYN


1.7.14. Provision of copies of archival documents issued more than 30 days ago at the request of the client 1,50 BYN per sheet

1.7.15. Confirmation (certification) of the execution of payment documents by the round seal of the Bank (structural subdivision of the Bank) 2,99 BYN for one document

1.7.16. (15) Transfer of an extract from the client's account in the SWIFT МТ 940 format at its request (11) 9 EUR per month for one account at one address

1.7.17. Support of the bank's obligations to deliver cash reflected on the off-balance accounts "liabilities to customers for the provision of funds". (12) 1.5 % per annum shall be charged on a monthly basis, of the amount of the bank's liabilities

1.7.18. Acceptance of the documents for the purpose of currency control on paper copy (except for the documents provided for operations concerning deposit/withdrawal of cash in foreign currency, as well as notifications of currency transactions related to the movement of capital received by the Bank only on paper) 0,05 BYN for one page

1.7.19. Issuance of copies of documents submitted to the bank on paper, certified by the stamp of the bank (annexes to statements, etc.) 1,00 BYN for one page

1.7.20. Connecting to a Package:

- for the first connection 5,00 BYN at the Client's request

- for the transition to a Package with a lower subscription fee 10,00 BYN

1.8. Operations with payment cards Visa Business


Visa Business Orange Visa Business Gold Visa Business Platinum






BYN, USD, EUR


1.8.1. Servicing for one payment card Visa Business (for legal entities, individual entrepreneurs, private notaries, barristers, conducting individual business) valid for 2 years 10 USD 25 USD 50 USD if other percentage is not set up by terms and conditions of the Package of services

1.8.2 (20). Withdrawal of cash using the card Visa Business Оrange, Visa Business Gold,Visa Business Platinum:



BYN USD EUR


– in premises of BNB-Bank 0.5% from amount of operation 0.5% from amount of operation 0.5% from amount of operation


– in premises of the banks, connected to processing center17 2,0% from amount of operation (min. 3,00 BYN) 2,0% from amount of operation (min. 2 USD) 2,0% from amount of operation (min. 2 EUR)


– in premises of other banks 2,5% from amount of operation (min. 3,50 BYN) 2,5% from amount of operation (min. 2,5 USD) 2,5% from amount of operation (min. 2,5 EUR)


1.8.3. Receiving information about available card balance in electronic devices (ATMs, infokiosks, ect.)

– in premises of BNB-Bank not being charged not being charged not being charged


– in premises of other banks 0,7BYN/0,5USD/ 0,5EUR 0,7BYN/0,5USD/ 0,5EUR not being charged


1.8.4. Authorization of service "Mobile banking" and "Internet-banking"18 1 USD Monthly. Payment is being charged from the forth month of the service usage

1.8.5. For using service SMS-announcement18 1 USD Monthly (for every future month). Payment is being charged for every registed number of bank payment card from the second month of usage

1.8.6.
Visa Business Оrange Visa Business Gold Visa Business Platinum



Card issuing Priority Pass not being issued 25 USD free


1.8.7. One visit of airport VIP-hall by using card Priority Pass14 27 USD


1.8.8. Change of card risk level in accordance with client's statement18 12,5 USD – in determining of CB risk level 25 USD – in determining of BB risk level


1.9. Operations with payment corporate cards, issued till 09.01.2017


Visa Electron / Maestro Visa Classic / MasterCard Standard Visa Gold / MasterCard Gold From 13.02.2017 payment corporate cards on the basis of Visa Electron / Maestro, Visa Classic / MasterCard Standard, Visa Gold / MasterCard Gold, due to date of expiry, are no longer being issued.

1.9.1.20 Withdrawal of cash using a card


BYN USD EUR


– in premises of BNB-Bank 0.5% from the operation amount 0.5% from the operation amount 0.5% from the operation amount


– in premises of the banks, connected to processing center17 2,0% from the operation amount (min. 3,00 BYN) 2,0% from the operation amount (min. 2 USD) 2,0% from the operation amount (min 2 EUR)


– in premises of other banks 2,5% from the operation amount (min. 3,50 BYN) 2,5% from the operation amount (min. 2,5 USD) 2,5% from the operation amount (min. 2,5 EUR)


1.9.2. Receiving information about available card balance in electronic devices (ATMs, infokiosks, ect.)

– in premises of BNB-Bank not being charged not being charged not being charged


– in premises of other banks 0,7BYN/0,5USD/ 0,5EUR 0,7BYN/0,5USD/ 0,5EUR not being charged


1.9.3. Authorization of service "Mobile banking" and "Internet-banking"18 1 USD Monthly. Payment is being charged from the forth month of the service usage

1.9.4. For using service SMS-announcement18 1 USD Monthly (for every future month). Payment is being charged for every registed number of bank payment card from the second month of usage

1.9.5. Change of card risk level in accordance with client's statement18 12,5 USD – in determining of CB risk level 25 USD – in determining of ВB risk level













Conditions of participation in the promotion: an existing client should recommend the service of BNB-Bank to an individual entrepreneur, notary, individually practising lawyer, or a legal entity (hereinafter - a new client). Opening of the first current (settlement) account in Belarusian rubles by each new client of BNB-Bank upon recommendation of the client entitles the latter to reduction of the current rates established in accordance with the Compilation of Fees by 0.1 percentage point, but not less than: 0.6% - under paragraph 1.1.1.2 of the Compilation of Fees; 0.8% - under paragraph 1.1.3.2 of the Compilation of Fees; The existing client has the right to choose which of the paragraphs of the Compilation of Fees (paragraph 1.1.1.2 or paragraph 1.1.3.2) will be subject to the reduction of the current rate by selecting the correspondent terms in the application (the Bank's form).

Period of validity of paragraphs 1.1.1.3, 1.1.3.3 of the Compilation of Fees: 12 months from the next business day after submission of the application in accordance with the terms of the promotion.

(14) Payment for the services under Section I (paragraphs 1.2.1-1.2.6, 1.7.3, 1.7.16, 1.8.7), where the commission fee is denominated in foreign currency and paid in the local currency, shall be debited by the bank/paid by the client at the official exchange rate set by the National Bank of the Republic of Belarus on the date of debiting/payment, applying a multiplying rate of 1.02 to the amount of the ruble equivalent of the corresponding commission fee.

(15) The payment shall be made by the client/debited by the bank until the 15th day of the current month for the following month, unless another period is specified in the agreement. If the fee for the following month has not been paid in full before the end of the current month, the provision of services of exchanging electronic documents in the Client-Bank and Internet-Bank systems shall be suspended from the 1st day of the month following the month when the advance was due.

(16) Exchange fee, due and payable to JSC ”BCSE“, is imposed additionally.

(17) List of banks, connected to processing center: Belarusbank, «BPS-Sberbank» OJSC, JSC "Belagroprombank", «Belinvestbank» JSC, OJSC «Paritetbank», R-Bank JSC, "Fransabank" OJSС, CJSC «Zepter Bank».

(18) Payment for the services under paragraphs 1.8.1.-1.8.6, 1.8.8., 1.9.1- 1.9.5 is being executed in belarusian ruble equivalent at the official exchange rate set by the National Bank of the Republic of Belarus on the date of payment by debiting the current account.

(20) Payment under paragraphs 1.8.2., 1.9.1 applicable to operations from processing center and reported on account from 14.02.2017г.

II. BANKING SERVICES FOR INDIVIDUALS

2.1. Accounts

2.1.1. Opening a current account for an individual free


2.2. Bank transfers of funds (except for the cases where charging fees for bank transfers is prohibited by the legislation)

2.2.1. within BNB-Bank free


2.2.2. (8) outside BNB-Bank


from the accounts or without opening an account

- in Belarusian rubles 0.5% (min. 1,00 BYN, max.60,00 BYN) Except: - transfers to charity accounts; - transfers from the accounts of the credit debt; - payments using a bank payment card (hereinafter - the card) and/or its details; - sale to the clients of foreign currency in cash for non-cash Belarusian rubles with the subsequent transfer

- in Euro 0.2% (min. 25 EUR, max. 100 EUR)

- in another foreign currency 0.2% (min. 25 USD, max. 100 USD)

- in Belarusian rubles as payment for purchase (construction) of real estate. 0.1% (max. 100,00 BYN)

2.3. Operations with cash in the local or foreign currency

2.3.1. Withdrawal of cash without voice authorization in the processing centre initiated by the client (including non-cash received to the accounts of BNB-Bank to issue to the client without opening an account)

in Belarusian rubles




except: - interest accrued on deposits of the individuals; - equivalent of a part of the entire unit of foreign currency; - money deposited in cash to the accounts; - funds paid by transfers through private payment systems; - payment of insurance compensation for the property pledged at the bank; - credited by means of transfer to the accounts of term deposits when returning the amount credited on or after the date of maturity of the deposit specified in the agreement; - credited by the legal entities having an agreement with the Bank on providing payments to the individuals, including those within the framework of salary projects; - using the card and/or its details;

- dividends 1% (within the Always the Best product - 0.6%)

- received from the account of a legal entity, individual entrepreneur, notary, individually practising lawyer, opened at BNB-Bank 1%

- received from the sale of securities by the client through a professional participant 0.5%

- other amounts credited 5.0%

- in foreign currency 0.5%

2.3.2. Cash withdrawal with the voice authorization or confirmation of the available balance of funds on the account in the processing centre initiated by the clien (7)

- in Belarusian rubles 5 USD except for: - cash withdrawal of a loan in the amount no more than 10 000 BYN (including) from the current account with a valid bank payment card under the loan product for individuals "Orange dream" single payment when receiving a loan; - cash withdrawal from the current account with a valid bank payment card in case of absence of a techical possibilty (failure/absence of POS-terminal and ATM of the Bank) to withdraw cash from the account using a card in Gomel and Mogilev. The service is not available for corporate cards, as well as for cards issued under credit products «Dream Card», «Dream Line», "Wallet Card", the service is not provided.

- in foreign currency

2.3.3. The exchange of cash foreign currency of one denomination for cash foreign currency of the same kind of another denomination (change of cash foreign currency) in US dollars, Euro 1% at the exchange rate of the National Bank of the Republic of Belarus on the date of operation, min 1 US dollar the service is provided at counters of the central office of BNB-Bank

2.3.4. Replacement of worn-out, damaged, but doubtlessly authentic banknotes in foreign currency with retained indicators of solvency to banknotes in the same foreign currency, in the same or other face value in USD, EUR or RUB. 2% at the rate of the National Bank of republic of Belarus on the day of the transaction, min 1 USD


2.4. Additional services

2.4.1. Issuance of a permanent payment order for the transfer of funds by the individual, except for the operations of repayment of obligations arising from the loan agreement concluded with BNB-Bank. 10,00 BYN Single payment. Except for the execution of the permanent orders within the Internet Banking, Mobile Banking systems, in the case provided by the corresponding product specification. Shall not be charged for renewal of the earlier issued permanent payment order caused by changes in the legislation or initiated by the Bank.

2.4.2. (8) The change, addition or cancellation of a payment instruction, return or diverting funds from the account for the unidentified sums, return of erroneously credited funds.

- in Belarusian rubles 0.5% (min. 0,50 BYN, max. 30,00 BYN)



- in Euro 0.2% (min. 60 EUR, max. 100 EUR)



- in another foreign currency 0.2% (min. 60 USD, max. 100 USD)



2.4.3. (5) Issuance at the client's request of copies of the client's documents (their concluded agreements provided by them to BNB-Bank, applications, certificates, etc.), SWIFT-messages, extracts and confirmations of account balances, etc., issuance of statements at the client's request, confirmation of the date of crediting the account, search for the uncollected amounts and issuance⁵ of an official letter (in the official language of the Republic of Belarus) on the balance of funds on the account⁷, certified by BNB-Bank (with the stamp and signature of the executive). 10 USD Not charged: - for the provision of a statement for an account and the corresponding bank payment card, certified by BNB-Bank (with the stamp and signature of the bank officer); - in all cases for the account opened before 06.07.2015 with a valid main Visa Infinite card; - in all cases for the account with a valid main card under the «Gold Travel», «Ultima VISA Infinite» products.

2.4.4. Certification of a testamentary disposition, power of attorney on the account of the client. 4,50 BYN For each document. Not charged: - from persons receiving retirement pension (upon submission of the pension card); - with the power of attorney to issue an additional card

2.4.5. Issuance (5) of the official letter in English on the balance of the account. (7) 20 USD Not charged: -for the account opened before 06.07.2015 with a valid Visa Infinite card; -for the account with a valid main card under the «Ultima VISA Infinite» product.

2.4.6. Сonclusion of an additional agreement to an agreement with the Bank at the discretion of a client, or amendment of conditions of issued bank guarantee, or premature termination of an overdraft loan agreement at the discretion of a client. (6) 13,50 BYN Not charged: - for the issuance of a supplementary agreement to the agreement associated with the increase of the interest on the loan.

2.4.7. Conclusion of an agreement for the issuance of bank guarantees 25,00 BYN


2.4.8. Issuance at the client's request of a statement for the account and the corresponding bank payment card, certified by BNB-Bank (with the stamp and signature of the executive) (7) excluded on 01.01.2017


2.5. Credit operations in the local and foreign currency (1)

2.5.1. Arrangement, support and servicing of the credit operation Shall be charged at the rate established by the relevant Specification


2.5.2. Change of the credit conditions initiated by the individual 13,50 BYN


2.6. Provision of services in the framework of remote banking services

2.6.1. Reactivation of the Mobile Banking and Internet Banking services (2): 1,20 BYN Not charged: - for the clients with a valid main Visa Infinite card, issued for the account opened before 06.07.2015; - for the clients with a valid main card under the «Ultima VISA Infinite» product.

2.6.2. Provision of the right to use Mobile Banking and Internet Banking services with session keys (3): 1 USD Monthly fee shall be charged from the fourth month of service. Not charged: - for the clients with a valid main Visa Infinite card, issued for the account opened before 06.07.2015; - for the clients with a valid main card under the «Ultima VISA Infinite» product.

2.6.3. For the processing of general (personal) payment (based on the client's payment instructions) (4) 1% of the amount (min. 1,00 BYN, max. 5,00 BYN)


2.6.4. For the use of the SMS-banking service (3) 0,50 BYN Monthly (for each coming month). Shall be charged for each registered mobile phone number. In case of registration by providing an application form to the Banking Services Centre, the fee shall be charged from the second month.

2.7. Cashless transfer of funds to an account with the subsequent authorization in the processing centre (depending on the currency of the account)

2.7.1. in Belarusian rubles




Including non-cash transfer to the account of funds overpaid to repay a bank loan received under the Overdraft loan product for individuals if the amount of the overpayment exceeds 10,00 BYN. Except: - interest accrued on deposits for individuals; - payment of insurance compensation for the property pledged at the bank; - credited from term deposit accounts when returning the amount on or after the date of maturity of the deposit specified in the agreement; - credited funds balance transferred in case of termination of the agreement on the use of cards with the closing of the current account of the individual in BNB-Bank; - transferred by the legal entities which have concluded an agreement on providing payments to individuals with the Bank; - transferred under the salary projects (packages); - transactions with a card and/or its details; - transferred from the account of an individual entrepreneur opened with BNB-Bank; - pensions, benefits and other social payments transferred by the units of the Fund of Social Protection of the Ministry of Labour and Social Protection of the Republic of Belarus; - transferred from the accounts opened under the salary projects (packages) to the accounts opened under the My Friend and Maxima Plus products; - cashless transfer to the account of funds overpaid to repay a bank loan received under the Active Card, Treasure Card, Corporate, Dream Card, Wallet Card, Ultima Dream credit products for individuals. - cashless transfer of funds to the account while granting a loan according to the loan agreement concluded between the owner of the account and BNB-Bank.

- dividends 1% of the amount credited (within the Always the Best product - 0.6%)

- from individual's accounts opened with BNB-Bank 1% of the amount credited

- other amounts credited 3% of the amount credited

2.7.2. - in foreign currency 0.5% of the amount credited

(1) Shall not apply to legal relations arising due to conclusion of credit agreements from 22/01/2013.

(2) Single fee. Caused by the loss/compromise of the password/username, replacement, loss, compromise of the session key carrier. For each activation of the service.

(3) Charges for services under paragraphs 2.6.2., 2.6.4. shall be paid in Belarusian rubles equivalent at the exchange rate of the National Bank of the Republic of Belarus on the date of the charge by cashless debit from the current account.

(4) Shall be charged for processing each payment made by means of the remote services: Mobile Banking and/or Internet Banking.

(5) The service shall be provided on the basis of a written application of the client.

(6) If one client's request leads to the conclusion of several supplementary agreements due to the reference to the variable parameter in several agreements, the payment for such request shall be charged once.

(7) Payments under paragraphs 2.3.2., 2.4.3., 2.4.5., 2.4.8 shall be made: - in cash at the cash desks of the bank in Belarusian rubles at the exchange rate of the National Bank of the Republic of Belarus on the date of the charge;  - by cashless debit from the current account in the currency of the current account at the exchange rate of the National Bank of the Republic of Belarus on the date of the charge.

(8) Payment for the services under Section I (paragraphs 1.2.1-1.2.6, 1.7.3, 1.7.16), under Section II (paragraphs 2.2.2, 2.4.2), under Section IV, under Section III (paragraphs 3.1.9, 3.1.14), under Section VI, where the commission fee is denominated in foreign currency and paid in the local currency, shall be debited by the bank/paid by the client at the official exchange rate set by the National Bank of the Republic of Belarus on the date of debiting/payment, applying a multiplying rate of 1.02 to the amount of the ruble equivalent of the corresponding commission fee.

III. OPERATIONS WITH BANK PAYMENT CARDS (hereinafter - the cards)



3.1. Servicing of holders of cards, issused under the bank product "White Card"



BELCARD- Maestro







BYN, USD, EUR


3.1.1. Servicing a main card valid for 2 years (1) 5 USD Shall be charged on the date of concluding the card use agreement and re-issuance of the card (due to extension of the validity period), unless another amount is set by the terms of the Package. The issuance of cards under the salary projects shall not be charged. The issuance of a non-personalized card to the account in Belarusian rubles shall not be charged when on the day of the agreement at least 450,00 BYN are transferred to the account. The service of issuing of non-personalized cards shall be provided subject to availability of the appropriate templates. The issuance of cards under the product "Orange dream" shall not be charged.

3.1.1.1. excluded from 06.04.2016

3.1.2. Servicing an additional card valid for 2 years (1) 50% of the fee set by paragraph. 3.1.1. of this Compilation Shall not apply to: - the issuance of one additional card of level BELCARD- Maestro under salary projects "SMArt Salary Profitable" and "SMArt Salary Premium" Shall not apply to: - the issurance one additional card of lower level to cards Visa Gold/MasterCard Gold, Visa Platinum under salary project «AMart Salary Basic».

3.1.3. Withdrawal of cash using the cards:





3.1.3.1 – in premises of BNB-Bank not being charged


– in premises of the banks, connected to processing center 3 2,0% from amount of operation (min. 3,00 BYN) 2,0% from amount of operation (min. 2 USD) 2,0% from amount of operation (min. 2 EUR) Shall not apply to: - the issuance of cards under the salary projects"SMArt Salary Profitable" and "SMArt Salary Premium"

– in premises of other banks 2,5% from amount of operation (min. 3,50 BYN) 2,5% from amount of operation (min. 2,5 USD) 2,5% from amount of operation (min. 2,5 EUR) Shall not apply to: - the issuance of cards under the salary project "SMArt Salary Premium"

3.1.4. Receiving information about available card balance in electronic devices (ATMs, infokiosks, ect.)

– in premises of the banks, connected to processing center (3) 0,70 BYN 0,5 USD 0,5 EUR Shall not apply to: - the issuance of cards under the salary projects"SMArt Salary Profitable" and "SMArt Salary Premium"

– in premises of other banks 0,70 BYN 0,5 USD 0,5 EUR Shall not apply to: - the issuance of cards under the salary project "SMArt Salary Premium"

3.1.5. For using service SMS-announcement (5) 1 USD Monthly. Payment is being charged from every registed number of bank payment card. In case of filling out the application in Central service, payment is being charged from the second month.

3.1.6. Cash-back service 5 USD Not charged under the product "SMArt salary"

3.2. Servicing of holders of cards, issused under the bank product "Optima"



Visa Electron/Visa Classic Visa Electron is not being issued since 09.01.2017



BYN, USD, EUR


3.2.1. Servicing a main card valid for 2 years (1) 5 USD Shall be charged on the date of concluding the card use agreement and re-issuance of the card (due to extension of the validity period), unless another amount is set by the terms of the Package. The issuance of cards under the salary projects shall not be charged.

3.2.2. Servicing an additional card valid for 2 years (1) 50% of the fee set by paragraph. 3.2.1. of this Compilation Shall not apply to: - the issuance of one additional card of level BELCARD- Maestro under salary projects "SMArt Salary Profitable" and "SMArt Salary Premium" Shall not apply to: - the issurance one additional card of lower level to cards Visa Gold/MasterCard Gold, Visa Platinum under salary project «AMart Salary Basic».

3.2.3. Cash withdrawal using the card:



BYN USD EUR



– within the BNB-Bank ipremises shall not be charged:


– within the premises of banks connected to the processing centre (3) 2.0% of the transaction amount (min. 3,00 BYN) 2.0% of the transaction amount (min. 2 USD) 2.0% of the transaction amount (min. 2 EUR) Shall not apply to: - the issuance of cards under the salary projects"SMArt Salary Profitable" and "SMArt Salary Premium"

– within the premises of other banks 2.5% of the transaction amount (min. 3,50 BYN) 2.5% of the transaction amount (min. 2.5 USD) 2.5% of the transaction amount (min. 2.5 EUR) Shall not apply to: - the issuance of cards under the salary project "SMArt Salary Premium"

3.2.4. Receipt of information on the balance of available funds on the card in electronic devices (ATMs, infokiosks, etc.):


– banks connected to the processing centre (3) 0,70 BYN 0.5 USD 0.5 EUR Shall not apply to: - the issuance of cards under the salary projects"SMArt Salary Profitable" and "SMArt Salary Premium"

- other banks 0,70 BYN 0.5 USD 0.5 EUR Shall not apply to: - the issuance of cards under the salary project "SMArt Salary Premium"

3.2.5. For the use of the SMS-messaging service (5) 1 USD Monthly (for each coming month). Shall be charged for each registered bank payment card number. In case of registration by providing an application form to the Service Center, the fee shall be charged from the second month.

3.2.6. Cash-back service 5 USD Not charged under the product "SMArt salary"

3.3. Servicing of holders of cards, issused under the bank product "Maxima Debit"



Visa Classic Visa Classic PayWave




BYN, USD, EUR


3.3.1. Servicing a main card valid for 2 years (1) 10 USD 15 USD Shall be charged on the date of concluding the card use agreement and re-issuance of the card (due to extension of the validity period), unless another amount is set by the terms of the Package. The issuance of cards under the salary projects shall not be charged (this condition does not expend for issuing the cards exceeding the planned amount of cards).

3.3.2. Servicing an additional card valid for 2 years (1) 50% of the fee set by paragraph. 3.3.1. of this Compilation Shall not apply to: - the issuance of one additional card of lower level to cards Visa Gold, Visa Platinum under the salary projects"SMArt Salary Basic" - It does not expand for additional cards issued under the project "Dream Line"

3.3.3. Cash withdrawal using the card:



BYN USD EUR



– within the BNB-Bank ipremises shall not be charged:


– within the premises of banks connected to the processing centre (3) 2.0% of the transaction amount (min. 3,00 BYN) 2.0% of the transaction amount (min. 2 USD) 2.0% of the transaction amount (min. 2 EUR) Shall not apply to: - the issuance of cards under the salary projects"SMArt Salary Profitable" and "SMArt Salary Premium"

– within the premises of other banks 2.5% of the transaction amount (min. 3,50 BYN) 2.5% of the transaction amount (min. 2.5 USD) 2.5% of the transaction amount (min. 2.5 EUR) Shall not apply to: - the issuance of cards under the salary project "SMArt Salary Premium"

3.3.4. Receipt of information on the balance of available funds on the card in electronic devices (ATMs, infokiosks, etc.):


– banks connected to the processing centre (3) 0,70 BYN 0.5 USD 0.5 EUR Shall not apply to: - the issuance of cards under the salary projects"SMArt Salary Profitable" and "SMArt Salary Premium"

- other banks 0,70 BYN 0.5 USD 0.5 EUR Shall not apply to: - the issuance of cards under the salary project "SMArt Salary Premium"

3.3.5. For the use of the SMS-messaging service (5) 1 USD Monthly (for each coming month). Shall be charged for each registered bank payment card number. In case of registration by providing an application form to the Service Center, the fee shall be charged from the second month.

3.3.6. Cash-back service 5 USD Not charged under the product "SMArt salary"

3.4. Servicing of holders of cards, issused under the bank product "Maxima Plus"



Visa Classic/ MasterCard Standard Visa Classic PayWave




BYN, USD, EUR


3.4.1. Servicing a main card valid for 2 years (1) 25 USD 30 USD Shall be charged in case of closing of current account withing the first year from the date of openning the account under the product, once in two years.

3.4.2. Servicing an additional card valid for 2 years (1) 50% of the fee set by paragraph. 3.4.1. of this Compilation


3.4.3. Cash withdrawal using the card:



BYN USD EUR



– within the BNB-Bank ipremises shall not be charged:


– within the premises of banks connected to the processing centre (3) 2.0% of the transaction amount (min. 3,00 BYN) 2.0% of the transaction amount (min. 2 USD) 2.0% of the transaction amount (min. 2 EUR) Shall not apply to: - the issuance of cards under the salary projects"SMArt Salary Profitable" and "SMArt Salary Premium"

– within the premises of other banks 2.5% of the transaction amount (min. 3,50 BYN) 2.5% of the transaction amount (min. 2.5 USD) 2.5% of the transaction amount (min. 2.5 EUR) Shall not apply to: - the issuance of cards under the salary project "SMArt Salary Premium"

3.4.4. Receipt of information on the balance of available funds on the card in electronic devices (ATMs, infokiosks, etc.):


– banks connected to the processing centre (3) 0,70 BYN 0.5 USD 0.5 EUR Shall not apply to: - the issuance of cards under the salary projects"SMArt Salary Profitable" and "SMArt Salary Premium"

- other banks 0,70 BYN 0.5 USD 0.5 EUR Shall not apply to: - the issuance of cards under the salary project "SMArt Salary Premium"

3.4.5. For the use of the SMS-messaging service (5) 1 USD Monthly (for each coming month). Shall be charged for each registered bank payment card number. In case of registration by providing an application form to the Service Center, the fee shall be charged from the second month.

3.5. Servicing of holders of cards, issused under the bank product "Gold"



Visa Gold/MasterCard Gold Visa Gold PayWave




BYN, USD, EUR


3.5.1. Servicing a main card valid for 2 years (1) 25 USD 30 USD Shall be charged on the date of concluding the card use agreement and re-issuance of the card (due to extension of the validity period), unless another amount is set by the terms of the Package. The issuance of cards under the salary projects shall not be charged (this condition does not expend for issuing the cards exceeding the planned amount of free-of-charge cards).

3.5.2. Servicing an additional card valid for 2 years (1) 50% of the fee set by paragraph. 3.5.1. of this Compilation It does not expend to additional cards issued under the product "Dream Card", "Dream Line"

3.5.3. Regulated service Visa International:


– utterance of card in case of losing Visa Gold (including cards Visa Gold issued under selary project or products "Dream Card", "Dream Line") over Belarus 275 USD


– withdrawals of cash in case of losing Visa Gold (including cards Visa Gold issued under selary project or products "Dream Card", "Dream Line") over Belarus 200 USD


– rejection of withdrawals of cash option/utterance of card in case of losing Visa Gold (including cards Visa Gold issued under selary project or products "Dream Card", "Dream Line") over Belarus 75 USD


3.5.4. Cash withdrawal using the card:



BYN USD EUR



– within the BNB-Bank ipremises shall not be charged


– within the premises of banks connected to the processing centre (3) 2.0% of the transaction amount (min. 3,00 BYN) 2.0% of the transaction amount (min. 2 USD) 2.0% of the transaction amount (min. 2 EUR) Shall not apply to: - the issuance of cards under the salary projects"SMArt Salary Profitable" and "SMArt Salary Premium"

– within the premises of other banks 2.5% of the transaction amount (min. 3,50 BYN) 2.5% of the transaction amount (min. 2.5 USD) 2.5% of the transaction amount (min. 2.5 EUR) Shall not apply to: - the issuance of cards under the salary project "SMArt Salary Premium"

3.5.5. Receipt of information on the balance of available funds on the card in electronic devices (ATMs, infokiosks, etc.):


– banks connected to the processing centre (3) 0,70 BYN 0.5 USD 0.5 EUR Shall not apply to: - the issuance of cards under the salary projects"SMArt Salary Profitable" and "SMArt Salary Premium"

- other banks 0,70 BYN 0.5 USD 0.5 EUR Shall not apply to: - the issuance of cards under the salary project "SMArt Salary Premium"

3.5.6. For the use of the SMS-messaging service (5) 1 USD Monthly (for each coming month). Shall be charged for each registered bank payment card number. In case of registration by providing an application form to the Service Center, the fee shall be charged from the second month.

3.5.7. Issurance of card Priority Pass: - under the products which presuppose issurance of a main card Visa Gold, MasterCard Gold; - under the product "Dream Card", "Dream Line" with issurance additional card Vida Gold - to replace the lose (stolen, damaged, ect.) or due to change of surname, name of the holder 25 USD 25 USD 25 USD Including salary projects "Smart salary"

3.5.8. One visit of airport VIP-hall by using card Priority Pass (6) 27 USD


3.5.9. Cash-back service shall not be charged It does not expend to additional card Visa Gold issued under the product "Dream Card", "Dream Line"

3.6. Servicing of holders of cards, issused under the bank product "Gold Travel"



Visa Gold Visa Gold PayWave



BYN, USD, EUR


3.6.1. Servicing a main card valid for 2 years (1) 75 USD 80 USD Shall be charged on the date of concluding the card use agreement and re-issuance of the card (due to extension of the validity period), unless another amount is set by the terms of the Package.

3.6.2. Servicing an additional card valid for 2 years (1) 50% of the fee set by paragraph. 3.6.1. of this Compilation


3.6.3. Regulated service Visa International:


– utterance of a main, additional card under the product "Gold Travel" over Belarus 275 USD


– withdrawals of cash in case of losing a main, additional card under the product Gold Travel over Belarus 200 USD


– rejection of withdrawals of cash option/utterance of card in case of losing a main, additional card under the product Gold Travel over Belarus 75 USD


3.6.4. Cash withdrawal using the card:




BYN USD EUR



– within the BNB-Bank premises shall not be charged



– within the premises of banks connected to the processing centre (3) 2.0% of the transaction amount (min. 3,00 BYN) 2.0% of the transaction amount (min. 2 USD) 2.0% of the transaction amount (min. 2 EUR)



– within the premises of other banks 2.5% of the transaction amount (min. 3,50 BYN) 2.5% of the transaction amount (min. 2.5 USD) 2.5% of the transaction amount (min. 2.5 EUR) Shall not apply to cards issued under the products "Gold Travel" up to 09.01.2017. Shall not apply to withdraw the cash Banks non-residents' premises when using a main, additional card issued under the product "Gold Travel"

3.6.5. Receipt of information on the balance of available funds on the card in electronic devices (ATMs, infokiosks, etc.):


– banks connected to the processing centre (3) 0,70 BYN 0.5 USD 0.5 EUR


- other banks 0,70 BYN 0.5 USD 0.5 EUR


3.6.6. For the use of the SMS-messaging service (5) 1 USD Monthly (for each coming month). Shall be charged for each registered bank payment card number. In case of registration by providing an application form to the Service Center, the fee shall be charged from the second month.

3.6.7. One visit of airport VIP-hall by using card Priority Pass (6) 27 USD 25 USD 25 USD


3.6.8. Issurance of card Priority Pass: - under the product; - to replace the lose (stolen, damaged, ect.) or due to change of surname, name of the holder not being charged 25 USD 25 USD


3.6.9. Cash-back service 5 USD


3.7. Servicing of holders of cards, issused under the bank product "Visa Platinum"



Visa Platinum Visa Platinum PayWave




BYN, USD, EUR


3.7.1. Servicing a main card valid for 2 years (1) 50 USD (under salary projects exceeding the planned amount of free-of-charge cards) 55 USD (under salary projects exceeding the planned amount of free-of-charge cards) Shall be charged on the date of concluding the card use agreement and re-issuance of the card (due to extension of the validity period), unless another amount is set by the terms of the Package.

3.7.2. Servicing an additional card valid for 2 years (1) 50% of the fee set by paragraph. 3.7.1. of this Compilation It does not expend to additional cards issued under the product "Dream Card", "Dream Line".

3.7.3. Regulated service Visa International:


– utterance of cards in case of lose of Visa Platinum (including Visa Platinum issued under salary projects "Dream Card", "Ultima Dream") over Belarus 275 USD


– withdrawals of cash in case of losing Visa Platinum issued under salary projects "Dream Card", "Ultima Dream") over Belarus 200 USD


– rejection of withdrawals of cash option/utterance of card in case of losing Visa Platinum (including Visa Platinum issued under salary projects "Dream Card", "Ultima Dream") over Belarus 75 USD


3.7.4. Cash withdrawal using the card:



BYN USD EUR


– within the BNB-Bank premises shall not be charged


– within the premises of banks connected to the processing centre (3) 2.0% of the transaction amount (min. 3,00 BYN) 2.0% of the transaction amount (min. 2 USD) 2.0% of the transaction amount (min. 2 EUR) Shall not apply to: - the issuance of cards under the salary projects"SMArt Salary Profitable" and "SMArt Salary Premium"

– within the premises of other banks 2.5% of the transaction amount (min. 3,50 BYN) 2.5% of the transaction amount (min. 2.5 USD) 2.5% of the transaction amount (min. 2.5 EUR) Shall not apply to: - the issuance of cards under the salary projects"SMArt Salary Profitable" and "SMArt Salary Premium" Shall not apply to cards when withdrawing the cash in Banks non-residents' premises using Visa Platinum issued to account openned up to 06.07.2015 (not applied to issurance Visa Platinum issued under salary projects "SMArt Salary Basic" and "SMArt Salary Profitable")

3.7.5. Receipt of information on the balance of available funds on the card in electronic devices (ATMs, infokiosks, etc.):


– banks connected to the processing centre (3) 0,70 BYN 0.5 USD 0.5 EUR Shall not apply to: - the issuance of cards under the salary projects "SMArt Salary Premium" - the issurance Visa Platinum issued to account openned up to 06.07.2015 (not applied to issurance Visa Platinum issued under salary projects "SMArt Salary Basic")

- other banks 0,70 BYN 0.5 USD 0.5 EUR Shall not apply to: - the issuance of cards under the salary projects "SMArt Salary Premium" - the issurance Visa Platinum issued to account openned up to 06.07.2015 (not applied to issurance Visa Platinum issued under salary projects "SMArt Salary Basic" and "SMArt Salary Profitable")

3.7.6. For the use of the SMS-messaging service (5) 1 USD Monthly (for each coming month). Shall be charged for each registered bank payment card number. In case of registration by providing an application form to the Service Center, the fee shall be charged from the second month. Shall not apply to additional card Visa Platinum issued under the credit product "Ultima Dream".

3.7.7. One visit of airport VIP-hall by using card Priority Pass (6) 27 USD


3.7.8. Issurance of card Priority Pass: - under the products presupposed the issurance of private main card Visa Platinum under salary projects; - to replace the lose (stolen, damaged, ect.) or due to change of surname, name of the holder 25 USD 25 USD


3.7.9. Cash-back service shall not be charged It does not expend to additional card Visa Platinum under the product "Dream Card", "Dream Line"

3.8. Servicing of holders of cards, issused under the bank product "Platinum Edge"



Visa Platinum Visa Platinum PayWave




BYN, USD, EUR


3.8.1. Servicing a main card valid for 2 years (1) 50 USD (under salary projects exceeding the planned amount of free-of-charge cards) 130 USD Shall be charged on the date of concluding the card use agreement and re-issuance of the card (due to extension of the validity period), unless another amount is set by the terms of the Package.

3.8.2. Servicing an additional card valid for 2 years (1) 50% of the fee set by paragraph. 3.8.1. of this Compilation


3.8.3. Regulated service Visa International:


– utterance of cards in case of lose of Visa Platinum (including Visa Platinum issued under salary projects "Dream Card", "Ultima Dream") over Belarus 275 USD


– withdrawals of cash in case of losing Visa Platinum issued under salary projects "Dream Card", "Ultima Dream") over Belarus 200 USD


– rejection of withdrawals of cash option/utterance of card in case of losing Visa Platinum (including Visa Platinum issued under salary projects "Dream Card", "Ultima Dream") over Belarus 75 USD


3.8.4. Cash withdrawal using the card:



BYN USD EUR


3.8.5. – within the BNB-Bank premises shall not be charged


– within the premises of banks connected to the processing centre (3) 2.0% of the transaction amount (min. 3,00 BYN) 2.0% of the transaction amount (min. 2 USD) 2.0% of the transaction amount (min. 2 EUR)


– within the premises of other banks 2.5% of the transaction amount (min. 3,50 BYN) 2.5% of the transaction amount (min. 2.5 USD) 2.5% of the transaction amount (min. 2.5 EUR) Shall not apply to withdraw the cash Banks non-residents' premises when using a main, additional card issued under the product "Platinum Edge" from 09.01.2017

3.8.6. Receipt of information on the balance of available funds on the card in electronic devices (ATMs, infokiosks, etc.):


– banks connected to the processing centre (3) shall not be charged


- other banks shall not be charged


3.8.7. For the use of the SMS-messaging service (5) 1 USD Monthly (for each coming month). Shall be charged for each registered bank payment card number. In case of registration by providing an application form to the Service Center, the fee shall be charged from the second month. Shall not apply to additional card Visa Platinum issued under the credit product "Ultima Dream".

3.8.8. One visit of airport VIP-hall by using card Priority Pass (6) 27 USD


3.8.9. Issurance of card Priority Pass: - under the product; - to replace the lose (stolen, damaged, ect.) or due to change of surname, name of the holder shall not be charged 25 USD


3.8.10. Cash-back service shall not be charged


3.9. Servicing of holders of cards, issused under the bank product "Ultima VISA Infinite"



Visa Infinite




BYN, USD, EUR


3.9.1. Servicing a main card valid for 2 years (1) 750 USD Shall be charged on the date of concluding the card use agreement and re-issuance of the card (due to extension of the validity period), unless another amount is set by the terms of the Package.

3.9.2. Servicing an additional card valid for 2 years (1) 50% of the fee set by paragraph. 3.9.1. of this Compilation Shall not apply to additional cards issued under the products "Dream Card" and "Dream Line"

3.9.3. (6) Regulated service Visa International:


– utterance of cards in case of lose of Visa Infinite (including Visa Infinite issued under salary projects "Dream Card", "Ultima Line"), main, additional card under the product "Ultima VISA Infinite" over Belarus 275 USD


– withdrawals of cash in case of losing Visa Platinum issued under salary projects "Dream Card", "Ultima Line"), main, additional card under the product "Ultima VISA Infinite" over Belarus 200 USD


– rejection of withdrawals of cash option/utterance of card in case of losing Visa Platinum (including Visa Platinum issued under salary projects "Dream Card", "Ultima Line"), main, additional card under the product "Ultima VISA Infinite" over Belarus 75 USD


3.9.4. Cash withdrawal using the card:



BYN USD EUR


3.9.5. – within the BNB-Bank premises shall not be charged


– within the premises of banks connected to the processing centre (3) shall not be charged for main, additional card

– within the premises of other banks shall not be charged for main, additional card

3.9.6. Receipt of information on the balance of available funds on the card in electronic devices (ATMs, infokiosks, etc.):


– banks connected to the processing centre (3), and phone inquiry to the processing centre shall not be charged for main, additional card

- other banks shall not be charged for main, additional card

3.9.7. For the use of the SMS-messaging service shall not be charged for main, additional card

3.9.8. One visit of airport VIP-hall by using card Priority Pass (6) 27 USD


3.9.9. Issurance of card Priority Pass: - under the product; - to replace the lose (stolen, damaged, ect.) or due to change of surname, name of the holder shall not be charged 25 USD


3.9.10. Cash-back service shall not be charged


3.10. Servicing of holders of cards, issused under the bank product "Wallet Card"



BELCARD- Maestro




BYN


3.10.1. Servicing a main card valid for 2 years (1) shall not be charged Shall be charged on the date of concluding the card use agreement and re-issuance of the card (due to extension of the validity period), unless another amount is set by the terms of the Package.

3.10.2. Cash withdrawal using the card:



BYN USD EUR BYN

3.10.3. – within the BNB-Bank premises shall not be charged


– within the premises of banks connected to the processing centre (3) 2.0% of the transaction amount (min. 3,00 BYN) 2.0% of the transaction amount (min. 2 USD) 2.0% of the transaction amount (min. 2 EUR) 2,0% from amount of operation (min. 3,00 BYN)

– within the premises of other banks 2.5% of the transaction amount (min. 3,50 BYN) 2.5% of the transaction amount (min. 2.5 USD) 2.5% of the transaction amount (min. 2.5 EUR) 2,5% from amount of operation (min. 3,00 BYN)

3.10.4. Receipt of information on the balance of available funds on the card in electronic devices (ATMs, infokiosks, etc.):


– banks connected to the processing centre (3), and phone inquiry to the processing centre 0,70 BYN 0.5 USD 0.5 EUR


- other banks 0,70 BYN 0.5 USD 0.5 EUR


3.10.5. For the use of the SMS-messaging service 1 USD Monthly (for each coming month). Shall be charged for each registered bank payment card number. In case of registration by providing an application form to the Service Center, the fee shall be charged from the second month.

3.10.6. Cash-back service 5 USD


3.11. Servicing of holders of cards, issused under the bank product "Dream Card", "Dream Line"



Visa Electron Visa Classic Visa Gold Visa Platinum Visa Infinite




BYN


3.11.1. Servicing a main, additional card valid for 2 years (1) shall not be charged 25 USD 125 USD 225 USD 325 USD Shall be charged on the date of concluding the card use agreement and re-issuance of the card (due to extension of the validity period), unless another amount is set by the terms of the Package. Shall not be charged to re-issue a main card due to expire of validity date.

3.11.2. (6) Regulated service Visa International:


– utterance of cards in case of lose (main, additional under the product "Dream Card", "Dream Line") Visa Gold/Visa Platinum/ Visa Infinite over Belarus Service is not provided 275 USD


– withdrawals of cash in case of losing of card (main, additional card under the product "Dream Card", "Dream Line") Visa Gold/Visa Platinum/ Visa Infinite over Belarus 200 USD


– rejection of withdrawals of cash option/utterance of card in case of losing of card (main, additional card under the product "Dream Card", "Dream Line") Visa Gold/Visa Platinum/ Visa Infinite over Belarus 75 USD


3.11.3. Cash withdrawal using the card:



BYN


3.11.4. – within the BNB-Bank premises shall not be charged


– within the premises of banks connected to the processing centre (3) 2.0% of the transaction amount (min. 3,00 BYN) Shall not apply to withdraw the cash Banks non-residents' premises when using a main card Visa Platinum issued to account openned up to 06.07.2015 and a main card Visa Infinity issued to account openned up to 06.07.2015.

– within the premises of other banks 2.5% of the transaction amount (min. 3,50 BYN) Shall not apply to withdraw the cash Banks non-residents' premises when using a main card Visa Platinum issued to account openned up to 06.07.2015 and a main card Visa Infinity issued to account openned up to 06.07.2015.

3.11.5. Receipt of information on the balance of available funds on the card in electronic devices (ATMs, infokiosks, etc.):


– banks connected to the processing centre (3), and phone inquiry to the processing centre 0,70 BYN Shall not apply to card Visa Platinum issued to account openned up to 06.07.2015 and card Visa Infinity issued to account openned up to 06.07.2015.

- other banks 0,70 BYN Shall not apply to card Visa Platinum issued to account openned up to 06.07.2015 and card Visa Infinity issued to account openned up to 06.07.2015.

3.11.6. For the use of the SMS-messaging service (5) 1 USD Monthly (for each coming month). Shall be charged for each registered bank payment card number. In case of registration by providing an application form to the Service Center, the fee shall be charged from the second month. Shall not apply to card Visa Infinity issued to account openned up to 06.07.2015.

3.11.7. One visit of airport VIP-hall by using card Priority Pass (6) 27 USD


3.11.8. Issurance of card Priority Pass: - under the products "Dream Card", "Dream Line" issueing additional cards Visa Gold, Visa Platinum, Visa Infinite ; - to replace the lose (stolen, damaged, ect.) or due to change of surname, name of the holde 25 USD 25 USD Where available (main, additional under the product "Dream card", "Dream Line") Visa Gold/ Visa Platinum/Visa Infinite

3.11.9. Cash-back service 5 USD Under the product "Dream card", "Dream Line", Cash-back service is being set up in case of having of valid additional card

3.12. Servicing of holders of cards, issused under the bank product "ArtCard", from 20.03.2015 new agreements are not being concluded.



Visa Classic From 13.02.2017 re-issurance of cards as well as issurance of additional cards under the product do not occur.

3.12.1. Cash withdrawal using the card::



BYN


3.12.2. – within the BNB-Bank premises shall not be charged


– within the premises of banks connected to the processing centre (3) 2,0% of the transaction amount (min. 3,00 BYN)


– within the premises of other banks 2,5% of the transaction amount (min. 3,50 BYN)


3.12.3. Receipt of information on the balance of available funds on the card in electronic devices (ATMs, infokiosks, etc.):

– within the premises of banks connected to the processing centre (3) 0,70 BYN


– within the premises of other banks 0,70 BYN


3.12.4. For the use of the SMS-messaging service (5) 1 USD Monthly (for each coming month). Shall be charged for each registered bank payment card number. In case of registration by providing an application form to the Service Center, the fee shall be charged from the second month.

3.12.5. Non-cash transactions using bank payment card ArtCard and/or its detail 1% of the transaction amount


3.13. Servicing of holders of cards, issused under the bank product "Карта сокровищ", from 06.07.2015 new agreements are not being concluded.



Visa Electron From 13.02.2017 re-issurance of cards as well as issurance of additional cards under the product do not occur.

3.13.1. Cash withdrawal using the card::



BYN


3.13.2. – within the BNB-Bank premises shall not be charged


– within the premises of banks connected to the processing centre (3) 2,0% of the transaction amount (min. 3,00 BYN)


– within the premises of other banks 2,5% of the transaction amount (min. 3,50 BYN)


3.13.3. Receipt of information on the balance of available funds on the card in electronic devices (ATMs, infokiosks, etc.):

– within the premises of banks connected to the processing centre (3) 0,70 BYN


– within the premises of other banks 0,70 BYN


3.13.4. For the use of the SMS-messaging service (5) 1 USD Monthly (for each coming month). Shall be charged for each registered bank payment card number. In case of registration by providing an application form to the Service Center, the fee shall be charged from the second month.

3.14. COMPILATION OF FEES (PAYMENTS) FOR THE OPERATIONS CARRIED OUT BY BNB-BANK



Visa Electron/Maestro/BELCARD- Maestro Visa Classic/ MasterCard Standard Visa Gold/MasterCard Gold Visa Platinum Visa Infinite from 09.01.2017 Visa Electron is not being issued



BYN, USD, EUR


3.14.1. Dispute of a transaction made with the card outside the Republic of Belarus or on the Internet (2) 30 USD


3.14.2. Placing the card in the local stop-list based on the client's application. 10 USD


3.14.3. Placing the card in the international stop-list (for 2 weeks) (2) 50 USD


3.14.4. Issuance of a card: - to replace the lost (stolen) one; - in case of a lost PIN-code; - issuance of a duplicate card in case the card was damaged; - when changing spelling of the first name and/or family name. (2) - issurance of card of EMV standard indtead of the one with magnet line (2) 2.5 USD 10 USD 15 USD 25 USD


3.14.5. Issuance of a Visa Platinum Card (Ultima Dream product): - to replace the lost (stolen) one; - in case of a lost PIN-code; - issuance of a duplicate card in case the card was damaged; - when changing spelling of the first name and/or family name. (2)


25 USD


3.14.6. Express issuance of a card (on the next business day) (2) 30 USD the service is available only when applying to the offices of BNB-Bank located in Minsk. No fee shall be charged: - for the issuance of a main Visa Infinite card issued for the account opened before 06.07.2015; - for the issuance of a main card under the «Ultima VISA Infinite» product.

3.14.7. Change of the PIN-code of the card (4) 2,50 BYN 2.5 USD 2.5 EUR


3.14.8. Unlocking the card initiated by the client made by phone call to the processing centre: - Unlocking the card locked earlier as a result of three times entering of a wrong PIN-code by the client; - Unlocking the card locked earlier on the initiative of the client 2.5 USD 5 USD


3.14.9. Issuance of a Priority Pass card: - within the products providing issuance of personal main Visa Gold, MasterCard Gold cards - within the products providing issuance of personal main Visa Platinum card under the salary project 25 USD 25 USD


3.14.10. Changes in the risk level of the card based on the application of the client 12.5 USD - for risk level C, D, E 25 USD - for risk level A, B 50 USD - for risk level A1 (Prime) Change of the risk level of the cards issued under credit products «Dream Card», «Dream Line», "Wallet Card", is not allowed.

3.14.11. Withdrawal of cash in the cash points and offices of BNB-Bank from cards of other banks 2% of the transaction amount Withdrawal of euro shall be made only with cards issued by banks connected to the processing centre (3)

3.15. Operations with BELCART cards

3.15.1. Withdrawal of cash in the cash points of BNB-Bank for cards of other banks 2% of the transaction amount Withdrawal shall be only in Belarusian rubles

3.16. Operations with technology PayWave

3.16.1. Issurance of the card with technology PayWave 5 USD Charged only under the products SMArt Salary issuing a main card Visa Classic/Visa Gold/Visa Platinum, if the conditions of the product do not presuppose the issurance of the card with technology PayWave

(2) The service shall be provided on the basis of a written application of the client

(3) List of banks, connected to processing center: Belarusbank, «BPS-Sberbank» OJSC, JSC "Belagroprombank", «Belinvestbank» JSC, OJSC «Paritetbank», R-Bank JSC, "Fransabank" OJSС, CJSC «Zepter Bank».

(4) Charges under paragraphs 3.1.1 - 3.1.9, 3.1.17- 3.1.20 shall be paid: - in cash at the cash desks of the bank in Belarusian rubles at the exchange rate of the National Bank of the Republic of Belarus on the date of the charge;  - by cashless debit from the current account in the currency of the current account at the exchange rate of the National Bank of the Republic of Belarus on the date of the charge.

(5) Charges for services under paragraph 3.1.12, 3.1.16 shall be paid in Belarusian rubles equivalent at the exchange rate of the National Bank of the Republic of Belarus on the date of the charge by cashless debit from the current account.

(6) Payment for the services under Section I (paragraphs 1.2.1-1.2.6, 1.7.3, 1.7.16), under Section II (paragraphs 2.2.2, 2.4.2), under Section IV, under Section III (paragraphs 3.1.9, 3.1.14), under Section VI, where the commission fee is denominated in foreign currency and paid in the local currency, shall be debited by the bank/paid by the client at the official exchange rate set by the National Bank of the Republic of Belarus on the date of debiting/payment, applying a multiplying factor of 1.02 to the amount of the ruble equivalent of the corresponding commission fee.

(7) Single time. Due to lose/comprometation of a password/login, change, lose, comprometation of a holder of session keys. Upon every activation of the service.

(8) Charged for every payment proceeding by the systems of distance service: "Mobile banking"and/or "Internet-banking"

(9) Applied to cards, issued under the products Visa Platinum up to 06.07.15 as well as "SMArt salary", "Dream Card", "Ultima Dream"












IV. DOCUMENTARY OPERATIONS (1) (2) (8)

4.1 Letters of credit (6)

4.1.1. Establishment of a letter of credit (3) 0.15% of the letter of credit amount (min. 40 USD, max. 500 USD)


4.1.2. Changing the terms of the letter of credit:

– increase of the amount of the letter of credit 0.15% of the increase amount (min. 40 USD, max. 500 USD)


– other changes 40 USD for each application to change

4.1.3. Early cancellation of the letter of credit 40 USD


4.1.4. Acceptance, verification of documents under the letter of credit 0.15% of the amount of the documents (min. 40 USD, max. 500 USD) for each set of the documents

4.1.5. Acceptance of documents with discrepancies on the letter of credit (5) 50 USD for each set of the documents with discrepancies

4.1.6. Payment under the letter of credit according to the fee established by the bank to transfer funds from the clients' accounts in foreign currency for each payment

4.1.7. Advising of letters of credit 0.1% of the letter of credit amount (min. 30 USD, max. 200 USD) for each advising

4.1.8. Advising of changing the terms of the letter of credit:

- increase of the amount of the letter of credit 0.1% of the increase amount (min. 30 USD, max. 200 USD) for each increase

- other 30 USD for each advising

4.1.9. Pre-contract work with the client (4) up to 1.0% of the amount of the letter of credit


4.2 Bank guarantees (7)

4.2.1. Introducing changes to the issued bank guarantee (counter-guarantee), except for reducing the amount and/or duration of the guarantee 30 USD


4.2.2. Payment under the issued guarantee (counter-guarantee) and/or acceptance, check and sending of the documents 0.15% of the amount of the guarantee (min. 50 USD, max. 200 USD)


4.2.3. Advice and/or confirmation of the authenticity of the bank guarantee/changes to the bank guarantee 30 USD


4.2.4. The requirement of payment under the guarantee 30 USD


4.2.5. Cancellation of the guarantee before the expiry date 30 USD


4.2.6. Additional request/message initiated by the client or by the counterparty bank 10 USD


4.2.7. Signing an agreement for the issuance of bank guarantee 47,50 BYN


4.3 Collection

4.3.1. Support for operations on import collection 0.1% of the amount of the documents (min. 50 USD, max. 250 USD) Documents relating to the collection service shall be sent by courier mail. The client shall reimburse the actual costs incurred for sending the documents.

4.3.2. Acceptance of documents on export collection 0.15% of the amount of the documents (min. 50 USD, max. 250 USD)

4.3.3. Introducing changes to the collection instructions, cancellation of instructions 40 USD


(1) If in the course of the services provision the bank has paid a commission fee and other charges of the third-party banks, the said amount shall be reimbursed by the client or correspondent bank in full in the corresponding foreign currency or Belarusian rubles.

(2) Sending documents for documentary operations by special courier mail shall be reimbursed by the client in accordance with the actual costs of the bank.

(3) In the case of establishment of a letter of credit in the "approximate" amount, the charge shall be based on the amount increased by 10%. In the case of establishment of an uncovered letter of credit the additional fee for "uncovered liability under the letter of credit" shall be charged, the amount of which shall be established by the decision of the authorized body and specified in the agreement concluded with the client for establishment of the letter of credit.

(4) Shall be used by agreement between the parties and specified in the agreement concluded with the client for establishment of the letter of credit.

(5) The fee under paragraph 3.5. shall be charged from the beneficiary, unless otherwise specified by the client in the application for establishment of the letter of credit.

(6) The return of the unused cover of the letter of credit in foreign currency to the client's account opened with a bank of the Republic of Belarus (except for return to the accounts opened with BNB-Bank) shall be charged in accordance with paragraph 1.2.2 of the Compilation of Fees (payments) for operations carried out by BNB-Bank.

(7) Payment for guarantee operations shall also apply to stand-by letters of credit when they are subject to the International Standby Practices.

(8) Payment for the services under Section I (paragraphs 1.2.1-1.2.6, 1.7.3, 1.7.16), under Section II (paragraphs 2.2.2, 2.4.2), under Section IV, under Section III (paragraphs 3.1.9, 3.1.14), under Section VI, where the commission fee is denominated in foreign currency and paid in the local currency, shall be debited by the bank/paid by the client at the official exchange rate set by the National Bank of the Republic of Belarus on the date of debiting/payment, applying a multiplying factor of 1.02 to the amount of the ruble equivalent of the corresponding commission fee.

V. SECURITIES SERVICES

5.1. Securities trading

5.1.1. Buying and selling (including repo) of government securities and short-term bonds of the National Bank of the Republic of Belarus on behalf of the client 0.01% but not less than 2,00 BYN of the volume of transactions per day, the exchange fee shall be reimbursed to the bank additionally

5.1.2. Buying and selling of securities issued by the local government, and corporate securities admitted or listed by BCSE, OJSC on behalf of the client 0.02% but not less than 2,00 BYN of the volume of transactions per day, the exchange fee shall be reimbursed to the bank additionally

5.1.3. Reserving funds by professional participants for their operations 0.5 of the amount of the basic unit for registration of one deal

5.2. OTC securities trading

5.2.1. Buying and selling of securities on the OTC market under agency and commission contracts 0.1% but not less than 2,00 BYN from the amount of the deal

5.2.2. Registration of OTC securities transactions (except for transactions with the shares of BNB-Bank) 5,00 BYN for registration of one agreement

VI. SERVICES PROVIDED TO CORRESPONDENT BANKS IN THE LOCAL AND FOREIGN CURRENCIES (3)

6.1. Servicing a correspondent account (2)






6.1.1. Transfer of funds in foreign currency:

- interbank 10 USD (1) once for 1 transfer; commission fees of third-party banks shall be additionally debited by the bank from the client's account on the day of presentation of such commission fees

- client 20 USD

6.2.1. Transfer of funds in Belarusian rubles:

- interbank 0,50 BYN once for 1 transfer; commission fees of third-party banks shall be additionally debited by the bank from the client's account on the day of presentation of such commission fees

- client 1,00 BYN

6.1.3. Issuance of account statements and other documents at the request of audit companies or correspondent banks for submission to audit companies 50 USD equivalent at the exchange rate of the National Bank once for 1 document

6.1.4. Change, addition or cancellation of a payment instruction (payment order), return of erroneously credited funds 25 USD once for 1 operation; commission fees of third-party banks shall be additionally debited by the bank from the client's account on the day of presentation of such commission fees

6.1.5. Providing duplicate account statements 5 USD once for 1 document

6.1.6. Confirmation of the date of crediting the account of the beneficiary 3 USD



6.1.7. Conducting investigations of payment:








- up to 60 days from the value date 20 USD commission fees of third-party banks shall be additionally debited by the bank from the client's account on the day of presentation of such commission fees

- over 60 days from the value date 30 USD

(1) Once for 1 transfer to the banks that have transferred to the LORO account funds in the amount of at least 3 million USD and their presence in the account as the minimum balance for a period of at least 1 month, the fee of 6.5 USD shall be charged. The fee shall apply for the period of presence of the resources as the minimum balance in the account.

(2) Transfer of funds to the accounts opened with the bank shall be free of charge.

(3) Payment for the services under Section I (paragraphs 1.2.1-1.2.6, 1.7.3, 1.7.16), under Section II (paragraphs 2.2.2, 2.4.2), under Section IV, under Section III (paragraphs 3.1.9, 3.1.14), under Section VI, where the commission fee is denominated in foreign currency and paid in the local currency, shall be debited by the bank/paid by the client at the official exchange rate set by the National Bank of the Republic of Belarus on the date of debiting/payment, applying a multiplying factor of 1.02 to the amount of the ruble equivalent of the corresponding commission fee.












APPLICATION OF THE FEE FOR THE OPERATIONS PERFORMED BY BNB-BANK

1. The fee for transactions shall be charged in the transaction currency, except as required by law or by the terms of the agreements concluded with the clients.

2. Calculation of the fee charged to the client for an operation in foreign currency with the right to pay the equivalent in Belarusian rubles, shall be made at the official exchange rate set by the National Bank of the Republic of Belarus on the date of its collection.

3. Transactions in foreign currency shall be charged in the transaction currency or as agreed with the Bank in another currency based on the ratio of these currencies, the official exchange rates of the National Bank of the Republic of Belarus on the date of collection.

4. For transactions subject to value added tax, additional note "VAT included" shall be made.

5. "Free" means that the service shall be provided free of charge (no fee).

6. For transactions subject to credit risk (lending, factoring, leasing, bank guarantees, etc.), except for the fees provided by this document, the Bank shall charge a fee, the amount of which shall be determined taking into account the level of credit risk, the cost of resources, the market conditions by the decision of the authorized body (person) and shall be established by the parties in the correspondent credit operation agreement.

7. Other fees not included in the Compilation shall be determined by the parties in agreements.

8. The Bank reserves the right to introduce changes and additions to this Compilation in accordance with the internal regulations of the Bank.

9. The Bank shall notify the clients in advance about any changes in the amounts of the fees.

10. Unless otherwise provided by law and the terms of the agreements with the clients, the fees for the operations of non-resident legal entities and individual entrepreneurs denominated in Belarusian rubles may be charged in foreign currency using the official exchange rate set by the National Bank of the Republic Belarus on the date of its collection.

11. The fee set in the annual interest shall be calculated and paid taking into account the specific features referred to in this paragraph. The fee shall be calculated in accordance with the bank interest accrual rules applicable in the Republic of Belarus, for the purposes of the calculation the parties shall adopt a conditional number of days in a month as 30, and in a year as 360. The calculation of the fees shall be from the date of creation of the obligations under the agreement and up to the date of their writing off. The payment shall be made by the client on a monthly basis not later than on the tenth (10th) day of the month following the charged month.

12. Payment for the services under Section I of these Terms and Conditions, unless otherwise specified by these Terms and Conditions, is made by Customer/debited by Bank at the day of provision of the service.












PACKAGES OF OPERATIONS FOR LEGAL ENTITIES AND INDIVIDUAL ENTREPRENEURS CARRIED OUT BY BNB-BANK

No. Description of Operation Fee (Payment) Comments

I. OPERATION PACKAGES FOR INDIVIDUAL ENTREPRENEURS, NOTARIES AND INDIVIDUALLY PRACTISING LAWYERS

1.1. SMArt IE Package 1

1.1.1. Connection to the Package 5,00 BYN The package shall be connected after payment

1.1.2. Subscription fee 22,00 BYN The fee shall be charged if there is turnover for the current (settlement) bank account in the local currency (except for mandatory payments to the budget accounts 3600 (3602), commission fees in favour of BNB-Bank or funds credited to the client’s account from expenditure accounts of BNB-Bank). Settlement and cash services subject to the established special rates shall be paid additionally.

1.1.3. Withdrawal of cash from the accounts of individual entrepreneurs, notaries, and individually practising lawyers. 0.8% of the amount


1.1.4. Transfers to accounts of individuals/to individuals at BNB-Bank from the account of an individual entrepreneur, notary, individually practising lawyer, opened with BNB-Bank to an account of an individual beyond the salary projects 0.6% of the amount


1.1.5. Servicing a savings card valid for 3 years (ArtCard with magnetic stripe) 5 USD shall be charged at the date of the agreement on the card use

1.1.6. Servicing the main card for 2 years (Visa Electron/Maestro/BELCART- Maestro with magnetic stripe) included in the Package from 09.01.2017 Visa Electron is not being issued

1.1.7. Opening of accounts (formation of a legal file) included in the Package


1.1.8. Confirming signatures of the persons authorized to sign documents for the settlement with the card with samples of the signatures and the seal used for opening of the account included in the Package


1.1.9. Registration of the client, software installation and connection to the Internet-Bank remote banking system included in the Package


1.1.10. Monthly fee for the service of the Internet-Bank remote banking system included in the Package


1.1.11. Processing of documents placed in the files "Settlement documents unpaid in due time" included in the Package


1.1.12. Bank transfer on the basis of payment orders in the local currency received by the Internet-Bank remote banking system included in the Package excluded from 01/04/2015

1.1.13. Acceptance and transfer (credit) of cash in the local currency with further transfer to accounts opened with BNB-Bank included in the Package


(1) The order of application of the SMArt IE Package (hereinafter - the Package).

1.    This package is an integral part of the Compilation of Fees (Payments) for operations carried out by BNB-Bank (hereinafter - the Compilation of Fees).

2.    The following rules shall apply to the package:

2.1. The package is available to individual entrepreneurs, notaries, and individually practising lawyers (hereinafter - the client).

2.2. The client is entitled to connect to the package when they have current (settlement) accounts in Belarusian rubles.

2.3. New clients requiring the service of the bank shall be connected to the package from the date of the execution of the correspondent application of the client.

2.4. The transition from the service package to the generally established fee in accordance with the Compilation of Fees (except for the package) shall be made subject to the client's application from the first day of the month following the month of submission of the application to the bank.

2.5. The subscription fee for the first month of the package service shall be paid by the client/debited by the bank for the current month from the 1st to the 28th (30th, 31st) day of the current month in full, regardless of the actual amount of operations/services included in the package used by the client, in case of activation of the package before or on the 15th day of the month and conducting operations in accordance with the Comment to paragraph 1.1.2 of the Package. The subscription fee for the first month of the service package shall not be charged from the clients connected from the 16th day of the current month until the end of the current month. Starting with the second month of the package service and further, the subscription fee for the package service shall be paid by the client/debited by the bank for the current month from the 1st to the 28th (30th, 31st) day of the current month in full, regardless of the actual amount of operations/services included in the package used by the client, in case of conducting operations in accordance with the Comment to paragraph 1.1.2 of the Package. In case of failure to perform (improper performance) of the obligations by the client to pay the subscription fee provided by the package till the 1st day of the month following the charged month, the provision of services (including servicing by the Internet-Bank remote banking system) within the package shall be suspended from the 1st day of the month following the charged month until full repayment of the debt for the subscription fee for the package.

2.6. Paragraphs 1.1.3-1.1.6 of the package shall be valid for 12 months from the date of connection to the package.

2.7. Operations and services that are not included in the package shall be paid in accordance with the general procedure and the Compilation of Fees, unless otherwise provided by the package.

2.8. In case of opening bankruptcy or liquidation procedure regarding the client, the client shall be transferred to the service and collection of fees for the operations in accordance with the general procedure and the Compilation of Fees (except for the package) from the time of reregistration of the accounts in the name of the liquidator (bankruptcy trustee). For the period from the beginning of the current month to the date of reregistration of the accounts the subscription fee for the package shall be charged proportionally to the number of calendar days of the package use.

2.9. The Bank reserves the right to unilaterally introduce changes to the existing package subject to notification of the client in accordance with the service agreement for the current (settlement) bank account.

2.10. In case of cancellation of the package or individual rates from the package by the bank, the client shall be serviced in accordance with the general procedure and the Compilation of Fees.

2.11. The package is available for connection until and on 31/12/2014. The clients connected to the package until and on 31/12/2014 shall be serviced in accordance with the terms of the package until transition to another package/Compilation of Fees.












No. Description of Operation Fee (Payment)






Comments
II. OPERATION PACKAGES FOR LEGAL ENTITIES, INDIVIDUAL ENTREPRENEURS, NOTARIES, AND INDIVIDUALLY PRACTISING LAWYERS (2)
2.1.
SMArt 10 SMArt 25 SMArt 50 SMArt 100 SMArt 150 SMArt 300 SMArt Unlimited
2.1.1. Subscription fee 15,00 BYN 25,00 BYN 35,00 BYN 55,00 BYN 65,00 BYN 95,00 BYN 295,00 BYN The fee shall be charged if there is turnover for the current (settlement) bank account in the local currency (except for mandatory payments to the budget accounts 3600 (3602), commission fees in favour of BNB-Bank or funds credited to the client's account from expenditure accounts of BNB-Bank). Services that are not included in the package shall be paid additionally in accordance with the Compilation of Fees.
2.1.2. Opening of accounts (formation of a legal file) free free free free free free free
2.1.3. Confirming signatures of the persons authorized to sign documents for the settlement with the card with samples of the signatures and the seal used for opening of the account free free free free free free free
2.1.4. Registration of the client, software installation and connection to the Internet-Bank or Client-Bank remote banking systems free free free free free free free at the Client's option
2.1.5. Monthly subscription fee for the service of the Internet-Bank electronic payment system free free free free free free free
2.1.6. Monthly subscription fee for the service of the Client-Bank electronic payment system (then the client has chosen this system instead of Internet-Bank) 50% of the fee in the Compilation of Fees 50% of the fee in the Compilation of Fees 50% of the fee in the Compilation of Fees free free free free for the SMArt 10, SMArt 25, SMArt 50 packages: shall be charged in addition to the fee under paragraph 2.1.1. of the Package, valid from 01/05/2015.
2.1.7. Processing of documents placed in the files "Settlement documents unpaid in due time" free free free free free free free
2.1.8. Bank transfer from the current (settlement) bank account in the local currency on the basis of payment orders received by the Client-Bank/Internet-Bank electronic payment systems to the beneficiaries' accounts opened with resident banks:
2.1.8.1. - included in the Package 10 transfers 25 transfers 50 transfers 100 transfers 150 transfers 300 transfers unlimited per month
2.1.8.2. - in excess of the amount included in the Package and from the deposit bank accounts 0,50 BYN 0,50 BYN 0,50 BYN 0,50 BYN 0,50 BYN 0,50 BYN - for each payment order except for transfers within the Bank from a deposit account to a current (settlement) bank account and vice versa.
2.1.9. Acceptance and transfer (credit) of cash in the local currency with further transfer to accounts opened with BNB-Bank free free free free free free free
2.1.10. Additional option "Counter payment": use of the funds received during the transaction day at the bank account of the client (except for the term bank deposit account; transfers to the accounts of the Clients, opened with BNB-Bank, except transfers to the term bank deposit accounts) in accordance with paragraph 1.1.7.(1) of the Compilation of Fees 50% of the subscription fee for a Package, min 15,00 BYN 50% of the subscription fee for a Package, min 15,00 BYN 50% of the subscription fee for a Package, min 15,00 BYN 50% of the subscription fee for a Package, min 15,00 BYN 50% of the subscription fee for a Package, min 15,00 BYN 50% of the subscription fee for a Package, min 15,00 BYN 50% of the subscription fee for a Package, min 15,00 BYN shall be charged in addition to the fee under paragraph 2.1.1 of a Package
2.1.11. Servicing the main bank card valid for 2 years (except for Visa Platinum, Visa Infinite) 50% of the fee in the Compilation of Fees 50% of the fee in the Compilation of Fees 50% of the fee in the Compilation of Fees 50% of the fee in the Compilation of Fees 50% of the fee in the Compilation of Fees 50% of the fee in the Compilation of Fees 50% of the fee in the Compilation of Fees for officials of the Client included in the card with samples of the signatures and seal in the Bank.
2.1.12. Servicing the corporate bank card valid for 2 years (Visa Business - Orange) --- free - 1 card free - 2 cards free - 3 cards free - 3 cards free - 5 cards free - 10 cards
2.1.13. Servicing the corporate bank card valid for 2 years (Visa Business - Orange) in excess of the quantity included in the Package 50% of the fee in the Compilation of Fees 50% of the fee in the Compilation of Fees 50% of the fee in the Compilation of Fees 50% of the fee in the Compilation of Fees 50% of the fee in the Compilation of Fees 50% of the fee in the Compilation of Fees 50% of the fee in the Compilation of Fees
2.1.14. Issue of certificates related to banking services upon written request of the Client, in accordance with subparagraph 1.7.4.1 of paragraph 1.7.4 of the Compilation of Fees free - 1 certificate free - 1 certificate free - 1 certificate free - 2 certificates free - 2 certificates free - 3 certificates free - 5 certificates Per month. Valid from 01/05/2015.
(2) Application of service packages.
1.    Payments within the service packages are applied taking into account the Compilation of Fees (Payments) for operations carried out by BNB-Bank (hereinafter - the Compilation of Fees).
2.    The following rules shall apply to the service packages (hereinafter - the package):
2.1. The packages are available to legal entities, individual entrepreneurs, notaries, individually practising lawyers (hereinafter - the client), when they have/open current (settlement) accounts in Belarusian rubles with BNB-Bank.
2.2. For application of the service package the Client-Bank/Internet-Bank electronic payment systems is mandatory.
2.3. New clients requiring the service of the bank shall be connected to the package from the first day of the month following the month of submission of the application to the bank.
2.4. Change of the package, transition to the service package or transition from the service package to the service beyond the packages under the generally set fee in accordance with the Compilation of Fees shall be made according to the client's application from the first day of the month following the month of submission of the application to the bank, subject to the absence of arrears of the subscription fee in accordance with the applicable terms of service.
2.5. The client can not be served under more than one package at the same time.
2.6. The subscription fee for the package shall be charged from the first day of the month following the month of submission of the application concerning connection to the package by the client. The subscription fee shall be paid by the client/debited by the bank for the current month from the 1st to the 28th (30th, 31st) day of the current month in full, regardless of the actual amount of operations/services included in the package used by the client, in the cases specified by the Comment. In case of failure to perform (improper performance) of the obligations by the client to pay the subscription fee provided by the package till the 1st day of the month following the charged month, the provision of services by the Client-Bank, Internet-Bank electronic payment systems shall be suspended from the 1st day of the month following the charged month until full repayment of the debt for the subscription fee for the package. To resume the provision of the services of the Client-Bank, Internet-Bank electronic payment systems after repayment of the debt for the subscription fees for the package, the client shall additionally pay a commission fee for the resumption of the services of the Client-Bank, Internet-Bank electronic payment systems in accordance with the Compilation of Fees.
2.7. Operations and services that are not included in the package or exceed the amount provided by the package shall be paid in accordance with the general procedure and the Compilation of Fees, unless otherwise provided by the package.
2.8. In case of opening bankruptcy or liquidation procedure regarding the client, the client shall be transferred to the service and collection of fees for the operations in accordance with the general procedure and the Compilation of Fees (except for the package) from the time of reregistration of the accounts in the name of the liquidator (bankruptcy trustee) subject to the application from the latter. In this case the subscription fee for the service package for the month when the liquidator (bankruptcy trustee) re-registered the accounts, shall be charged in full.
2.9. The Bank reserves the right to unilaterally introduce changes to the existing packages/cancel validity of the packages subject to notification of the client in accordance with the service agreement for the current (settlement) bank account.
2.10. In case of cancellation of the package or special rates from the package by the bank, the client shall be serviced in accordance with the general procedure and the Compilation of Fees.