price list - lhv (5) other payments are payments, where the beneficiary’s bank is in sepa area and...

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Price List

Price List.................................................................................................................................................. 1

Accounts and bank transfers .................................................................................................................. 2

Bank cards .............................................................................................................................................. 5

Servicing of payment cards ..................................................................................................................... 9

Deposits ................................................................................................................................................ 10

Securities............................................................................................................................................... 11

Loans ..................................................................................................................................................... 13

Leasing .................................................................................................................................................. 15

Price List for Au-clients ......................................................................................................................... 16

Price List for Private Banking Clients .................................................................................................... 17

Price List for non-residents ................................................................................................................... 18

Price List of LHV Finance ...................................................................................................................... 19

Hire-Purchase and Consumer Loan ..................................................................................................... 19

Trade Finance ....................................................................................................................................... 20

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Accounts and bank transfers Valid as of 05.04.2017

Accounts

Opening an account free of charge (1)

Closing the account free of charge

Payments In Client office and by phone (2)

In Internet bank

European payment (3)

Outgoing payments (4) 5 EUR free of charge

Standing payment order

Conclusion and termination of the agreement 5 EUR free of charge

Execution of the payment free of charge

E-invoice standing order

Conclusion and termination of the agreement 5 EUR free of charge

Execution of the payment free of charge

Incoming payments free of charge

Other payments (5)

Outgoing payments

Intra-bank payment 5 EUR free of charge

An ordinary payment, shared fees 10 EUR 5 EUR

An urgent payment, shared fees 20 EUR 15 EUR

An express payment, shared fees 35 EUR 30 EUR

Full amount to beneficiary, additional fee (6) 20 EUR 20 EUR

TransferWise payment According to TransferWise service fees, minimum fee 2 EUR

Incoming payments

Intra-bank payment free of charge

Other payment (7) 5 EUR

Other fees concerning payments

Correction or cancellation of a foreign payment, inquiries regarding foreign payments

10 EUR (8)

Issuing a foreign payment confirmation / issuing a copy of a SWIFT message

5 EUR

(1) For residents of the European Union, Norway, Iceland, Liechtenstein, Switzerland and citizens of Estonia as well as persons with undetermined citizenship free of charge. For residents of other countries a fee of 200 euros is applied for opening an account. For companies registered in Estonia, the European Union (excl. Cyprus, Luxembourg, Malta and the UK) and Norway free of charge. For companies registered elsewhere a fee of 500 euros is applied for opening an account.

(2) Transactions completed via the client manager of Private Banking according to Private Banking agreement.

(3) European payment is a payment in euros in SEPA area. SEPA area is a single euro payments area, which includes all member states of the European Union and Norway, Iceland, Liechtenstein, Switzerland and Monaco. The service fee type is ‘shared’. Indicating the correct IBAN and BIC is mandatory. Accrual of remitter’s account takes place at the latest on the following banking day.

(4) All fees for the financial institutions, payment services providers and customers who make more than 5 000 outgoing payments per month will be agreed separately.

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(5) Other payments are payments, where the beneficiary’s bank is in SEPA area and the payment currency is not euro; and payments, where the beneficiary’s bank is located outside of SEPA area and the payment currency is any currency supported by LHV.

(6) The remitter pays the service fee of LHV Pank and foreign banks. If the full amount of service fees exceeds the service fee amount paid by the remitter for LHV Pank, the current account of the remitter shall be automatically debited with the corresponding difference of service fees. “Without charges to beneficiary” (OUR) type of commission fee cannot be used for making payments between the EEA member states or in a currency, effective in the EEA only. The remitter’s bank cannot guarantee that the full amount is transferred to the beneficiary’s account – it can only guarantee that the full amount is transferred by the correspondent bank.

(7) Incoming payment with a note ‘full amount to beneficiary’ is free of charge.

(8) The fee is applicable if the payment has been sent out of LHV Pank and service fees of other banks can be added.

Bank link

Conclusion of the agreement free of charge

Transaction fees

Identification service free of charge

Payments and identification service 1% of the transaction amount, max 3 EUR per transaction

Connect

Conclusion of the agreement free of charge

Monthly fee free of charge

Cash withdrawal from LHV office (9)

Transaction fee 0,4% of the transaction amount

Other fees

Account overdue charge (10) 0.1% per day

Statements

Account statement (11) (12) (13) 10 EUR

Other statement or certificate 10 EUR

Responding to inquiries

Responding to inquiries (14) 10 EUR

Inquiries from auditors 20 EUR

PIN calculator

Issuing 50 EUR

Replacing 50 EUR

Debt collection fee 5 EUR (15)

(9) Service is available only in Tallinn office for customers with Private Banking Services Agreement.

(10) Overdue charge is applied for clients who have minus on their account and who have not accepted special terms and conditions for loan and margin transactions and who do not have an active overdraft agreement.

(11) Account statements in the internet bank are free of charge.

(12) Account statement fee is applicable to one statement of one bank account.

(13) An extra fee of 0.1 EUR is applicable to every page starting from the 6th page of account statement printed in the Client office.

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(14) Except for the inquiries from the state, supervisory, law enforcement authorities and notaries concerning the rights and obligations of the bequeather.

(15) VAT of 20% is included in the price. For European Union companies outside of Estonia that are subject to value added tax and the companies outside of European Union are subject to value added tax of 0%.

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Bank cards Valid from 16.02.2017

Cards

Issuing (1) free of charge

Renewal free of charge

Closing free of charge

Replacement 5 EUR

Balance and Transactions Query

From LHV ATMs free of charge

From other ATMs in Estonian 0.2 EUR

From other ATMs in a foreign country 0.4 EUR

Cash deposit in LHV ATMs free of charge

Cash withdrawal from current account

From LHV ATMs free of charge + 0,3% of the amount that exceeds 10 000 EUR per month

From other ATMs in Estonian or in a Member State of the European Economic Area 1 EUR + 0,3% of the amount that exceeds 10 000 EUR per month

From other ATMs in another foreign country 2 EUR + 2.5% of the amount

From another bank’s office 2 EUR + 2.5% of the amount

Withdrawal of cash from a credit account and transfer from the credit account to the current account (5)

2 EUR + 2.5% of the amount

Conversion fee for transactions in foreign currencies (valid from 2.10.2017) 1% of transaction amount

Fee for raising the credit limit 10 EUR

Copy of a receipt or a fee for a groundless dispute of a card transaction

Transaction in Estonia 5 EUR

Transaction outside Estonia 10 EUR

Issue of emergency card or emergency cash in a foreign country actual costs, up to 150 EUR

Express order for a bank card (8) 25 EUR

Receiving and activating the bank card from the client office 5 EUR

Debit Card, Partner Debit Card, Football Debit Card

Monthly fee 1 EUR

Monthly fee for persons under 26 years of age free of charge

Credit Card, Partner Credit Card (2)

Monthly fee 1 EUR

Monthly fee for persons under 26 years of age free of charge

Interest rate 18% per year on the used amount of credit limit (3)

Overdue charge contractual interest rate

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Interest rate of the exceeded limit 36% per year of the credit limit exceeded

Business Debit Card

Monthly fee 2 EUR

Business Credit Card (2)

Monthly fee 2 EUR

Interest rate 18% per year on the used amount of credit (3)

Overdue charge 0.2% per day


Gold Debit Card (6)

Monthly fee free of charge (9)

Monthly fee for additional card 10 EUR

Gold Credit Card (6) (2)






Charge Card

Monthly fee 2 EUR

Overdue charge ECB interest rate (4) + 7% per year


Private Banking Debit Card (7)



Platinum Credit Card (7)




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the Priority Pass salon visit fee

for user of Platinum Credit Card free of charge

for persons accompanying Platinum Credit Card user 27 USD per visitor

Debit-Credit Card (issued before 22 August 2016)


Credit Card (2) (issued before 22 August 2016)

Monthly fee

Private person free of charge

Legal person EUR 2


Overdue charge

Private person contractual interest rate

Legal person 0.2% per day


Private Customer Card and Partner Bank Card (2) (issued before 22 August 2016)

Monthly fee 1 EUR (if at least one card transaction or cash withdrawal transaction is made in the calendar month, the monthly fee is not applied)

Monthly fee for a Private Customer Card for persons under 18 years of age free of charge




Gold Card (6) (2) (issued before 22 August 2016)






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LHV Partner Credit Card (2) (issued before 31 October 2013)

Annual fee free of charge in the first year, after the first year free of charge if 200 EUR worth of transactions have been concluded within the year, otherwise 12 EUR

Interest rate 18% per year on the used amount of credit



(1) Ordering the first card/additional card within the range of the same card product is free of charge for the card user. A fee of 5 EUR per card for each subsequent card for the same card user.

(2) Transactions with the card while purchasing goods or services (cash withdrawals from ATMs are excluded) have an interest free period, starting from the day of the transaction until the repayment date of month following the transaction (in case the repayment date has not been agreed on in the agreement, then until the 20th day of the month following the transaction).

(3) The precise interest rate depends on the client’s estimated credit worthiness and may therefore differ from the price list.

(4) The interest rate applicable to the main refinancing operations of the European Central Bank (ECB).

(5) An interest-free period is not applied for the credit limit withdrawn as cash from the credit account or transferred to the current account. If the transaction from the credit account to the current account is concluded in the Client Office, a transaction fee of 2 EUR is added.

(6) A Gold Card is issued to a client who meets the criteria of an Au-Client and concludes an Au-Client agreement. The added benefits of a Gold Card include travel insurance, purchase protection insurance and upon client request Estravel Gold Card.

(7) A Private Banking Debit Card and a Platinum Credit Card is issued to a client who meets the criteria of a LHV Private Banking and concludes a Private Banking Services Agreement. A Private Banking Debit Card includes purchase protection insurance benefit. The added benefits of a Platinum Credit Card include travel insurance, purchase insurance and upon client request Estravel Platinum Club.

(8) The card will be available for pick-up at the LHV Tallinn or Tartu office. Delivery elsewhere will include a courier fee based on the actual cost.

(9) Gold Card’s monthly fee without an Au-Client agreement is 10 EUR.

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Servicing of payment cards Valid as of 15.09.2016

Agreement fees and other fees

Agreement signing free of charge

Payment card service fee upon agreement

Monthly terminal rental fee (1) upon agreement

Monthly fee of e-commerce terminal (1) upon agreement

Processing fee for chargeback 20 EUR

Early termination of agreement (2) 50 EUR

(1) Value added tax is added. For European Union companies outside of Estonia that are subject to value added tax and the

companies outside of European Union are subject to value added tax of 0%. (2) Early termination fee applies if the Merchant terminates the agreement within 6 months of signing the agreement.

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Deposits Valid as of 01.08.2015

Current deposit (1) Annual interest rate

EUR 0.01%

(1) For a current deposit, i.e. for money on the account interest is calculated every day based on the day’s ending balance of money for all the named currencies and rounded to 2 digits after the decimal point. Interests are paid to the account at the beginning of the next month. Interest is calculated on all accounts, except for money on Startup accounts, Credit accounts, Limit accounts or Trader-accounts.

Term deposit

Interest rates

https://www.lhv.ee/en/price-list-and-terms-and-conditions#deposits

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Securities Valid as of 18.10.2017

Transaction fees (1)

Account, Portfolio Management Account

Estonian (OMX Tallinn), Latvian (OMX Riga) and Lithuanian (OMX Vilnius) shares 3 EUR + 0.2%

US (NYSE, NASDAQ, OTC), Canada (Toronto SE), Russian (MICEX), Finnish (OMX Helsinki), Swedish (OMX Stockholm), Danish (OMX Copenhagen), Norwegian (Oslo SE), German (XETRA), Italian (Borsa Italiana), Spanish (Madrid SE), French (Euronext Paris), Netherlands (Euronext Amsterdam), Portugese (Euronext Lisbon), Belgian (Euronext Brussels), Austrian (Vienna SE) and Swiss (SIX SE) shares

11 EUR + 0.3%

UK (London SETS, IOB) shares 11 EUR + 0.8%

Polish (Warsaw SE) shares 15 EUR + 0,5%

Other shares upon agreement

US options 6 EUR/contract

Exercise 17 EUR/contract

Modification or cancellation of an option order 3 EUR

Bonds (2) 6 EUR + 0.2%

Fund units

LHV Varahaldus, Avaron Asset Management, East Capital Asset Management, SEB Fund Management, SEB Varahaldus, Swedbank Investeerimisfondid, Trigon Funds

fund subscription or redemption fee

SEF – LHV Persian Gulf 1% redemption fee

Other funds 1%, min 6 EUR (3)

Fund switch 5 EUR

Application for redemption of supplementary funded pension units 3 EUR

Limit or Stop-loss order (excl. Estonian, Latvian and Lithuanian securities) 3 EUR in addition to base fee

Growth Account

Purchase 1%

Sale according to the Account Price List

(1) Financial transaction tax may be added in case of buying securities.

(2) Minimum amount of 50,000 euros is required, except bonds traded on Nasdaq Baltic bond list.

(3) Upon purchasing or selling fund units, a fund subscription or redemption fee may be added in accordance with the conditions of the fund.

Management fees (4)

Account (5) (6) (7)

Securities (excl. following securities)

Up to 30,000 EUR 0.025% per month, min 2 EUR

The part exceeding 30,000 EUR 0.015% per month

Estonian, Latvian and Lithuanian shares free of charge

SEF – LHV Persian Gulf Fund free of charge

II pillar pension fund units free of charge

III pillar pension fund units free of charge

Growth Account (5) (6) (7) (8)

Securities

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Up to 30,000 EUR 0.05% per month, min 1 EUR

The part exceeding 30,000 EUR 0.025% per month

Portfolio Management Account (6) (9)

Assets 0.1% per month, min 30 EUR

Baltic analyses (7)

Securities min 5 EUR

(4) Value added tax is added. For European Union companies outside of Estonia that are subject to value added tax and the companies outside of European Union are subject to value added tax of 0%.

(5) Management fee is calculated on the basis of a month’s average market value of securities. If the market value is not available, the nominal value is taken as a basis.

(6) No fee is charged for an empty account.

(7) If the client has a Portfolio Management account with assets or a Trader Account, then the minimum fee is not applied.

(8) First year free of charge.

(9) Management fee is calculated on the basis of a month’s average market value of the assets (incl. money, deposits and securities). If the market value is not available, the nominal value is taken as a basis.

Other fees (10)

Mandatory funded pension

Applications free of charge

Account, Growth Account, Portfolio Management Account

Security transfers

Free of payment transfers of (FOP) Estonian, Latvian and Lithuanian securities 3 EUR

Delivery versus payments (DVP) of Estonian, Latvian and Lithuanian securities 10 EUR

Other foreign securities 7 EUR (11)

Estonian CSD account manager change 10 EUR

Pledge registration 10 EUR

Opening pledge account 20 EUR

Transaction with pledged securities 20 EUR

Corporate actions free of charge

Estonian, Latvian and Lithuanian security buying from IPO or additional offering 3 EUR

Foreign securities buying from IPO or additional offering, in addition to base fee 10 EUR

Participating in shareholders meeting upon agreement

Russian corporate actions (participating in shares buy back) 50 EUR + actual costs

LEI code administrative service

Initial LEI code registration for one year 120 EUR, lisandub käibemaks

LEI-koodi iga-aastane uuendamine 80 EUR aastas, lisandub käibemaks

(10) If there should be additional brokers’ fees due to corporate actions or securities held in foreign markets then those might be debited from client’s account.

(11) Bank service charges related to the transfer are added.

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Loans Valid as of 17.10.2016

Margin loan and selling short

Interest rates

Margin rates

Home Loan

Agreement fee up to 1% of the loan sum, from 300 EUR

Amending the terms and conditions of the agreement from 100 EUR

Premature repayment (incl. partial repayment) free of charge

Overdraft for a private person

Agreement signing and amendment 1% of the limit, min 10 EUR

Interest rate 16% per year of the credit limit in use (1)


Interest rate of the exceeded limit contractual interest rate of the exceeded limit

(1) Exact interest rate offered to the customer will depend on the customer’s estimated credit worthiness and may therefore differ from what is set forth in the price list.

Overdraft for a legal person

Agreement signing and amendment upon agreement

Interest rate upon agreement

Limit fee from unused overdraft amount 2% per year

Overdue charge 0,05% per day

Interest rate of the exceeded limit contractual interest rate of the exceeded limit

Guarantee for a legal person

Agreement fee 100 EUR

Guarantee fee if secured with a deposit 1.5% per year

Guarantee fee depending on the collateral 1.5−4% per year

https://www.lhv.ee/en/price-list-and-terms-and-conditions#leverage

https://www.lhv.ee/en/price-list-and-terms-and-conditions#collateral

https://www.lhv.ee/en/about/terms_and_conditions_and_price_list/interest_rates_for_loan_and_margin_transactions/

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Microloan for a legal person

Agreement fee 1,5% of the loan amount, max 300 EUR

Amendment of the agreement 100 EUR

Premature termination of the agreement 3% of the outstanding loan balance, or free of charge upon 3 month’s notice

Other fees

LHV real estate appraisal 50 EUR

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Leasing Valid as of 18.02.2015

Agreement fees

Agreement signing fee 1% of the asset price, min 150 EUR

Amendment to the lease agreement 100 EUR

Change of payment date 30 EUR

Early termination by the lessee

Private person in case of agreement with variable interest rate free of charge

Private person in case of agreement with fixed interest rate

If the agreement maturity date is within 1 year 0,5% of the residual

If the agreement maturity date is over 1 year 1% of the residual

Legal person in case of agreement with variable interest rate 3 month interest

Legal person in case of agreement with fixed interest rate 1% of the residual

Other fees

Power of attorney, document processing fee 10 EUR (1)

Notarised power of attorney 100 EUR (1)

Release of additional collateral 100 EUR

Administration of asset related fines and claims 20 EUR (1) + actual costs

Insurance payments schedule interest rate 8%

Vehicle ownership transfer in Road Administration e-service 10 EUR (1) + state fee

(1) Value added tax is applied. Value added tax is added. For European Union companies outside of Estonia that are subject to value added tax and the companies outside of European Union are subject to value added tax of 0%.

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Price List for Au-clients Valid as of 01.05.2017

Monthly fee (1)

Au-client monthly fee 10 EUR

Current deposit (2)

EUR 1% per year

Securities management fees (3) (4) (5)



Up to 30,000 EUR free of charge

The part exceeding 30,000 EUR 0,015 per month

(1) The prerequisite for concluding the Au-client agreement is one of the following: monthly EUR 2,000 income to the

customer’s LHV Bank account or overall value of the customer’s assets deposited in LHV Bank at least EUR 50,000. (2) For a current deposit, i.e. for money on the account up to 100,000 euros interest is calculated every day based on the day’s

ending balance of money for all the named currencies and rounded to 2 digits after the decimal point. Interests are paid to the account at the beginning of the next month. Interest is calculated on all accounts, except for money on Startup accounts, Credit accounts, Limit accounts, Portfolio Management accounts or Trader-accounts.




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Price List for Private Banking Clients Valid as of 16.02.2017

Monthly fee (1)

Private Banking client monthly fee 30 EUR

Current deposit (2)

EUR 1% per year

Securities management fees (3) (4) (5)


Up to 30,000 EUR free of charge

The part exceeding 30,000 EUR 0,015 per month


(1) The prerequisite for concluding the Private Banking Services Agreement is overall value of the customer’s assets and securities deposited in LHV Bank at least EUR 100,000.

(2) Terms of a current deposit are valid if Private Banking Services Agreement is signed. For a current deposit, i.e. for money on the account up to 1,000,000 interest is calculated every day based on the day’s ending balance of money for all the named currencies and rounded to 2 digits after the decimal point. Interests are paid to the account at the beginning of the next month. Interest is calculated on all accounts, except for money on Startup accounts, Credit accounts, Limit accounts, Portfolio Management accounts or Trader-accounts.




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Price List for non-residents Valid as of 01.07.2017

Accounts

Opening an account

Private person 200 EUR (1)

Legal person 500 EUR (2)

Closing the account free of charge

Monthly fee

Private person 10 EUR (1)

Legal person 30 EUR (2)

Payments In Client office and by phone (3)

In Internet bank

European payment (4)

Outgoing payments

Private person 5 EUR free of charge

Legal person 10 EUR free of charge

Gold card

Monthly fee 10 EUR

(1) For residents of the European Union, Norway, Iceland, Liechtenstein, Switzerland and citizens of Estonia as well as persons with undetermined citizenship free of charge.

(2) For companies registered in Estonia, the European Union (excl. Cyprus, Luxembourg, Malta and the UK) and Norway free of charge.

(3) Transactions completed via the client manager of Private Banking according to Private Banking agreement. (4) European payment is a payment in euros in SEPA area. SEPA area is a single euro payments area, which includes all

member states of the European Union and Norway, Iceland, Liechtenstein, Switzerland and Monaco. The service fee type is ‘shared’. Indicating the correct IBAN and BIC is mandatory. Accrual of remitter’s account takes place at the latest on the following banking day.

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Price List of LHV Finance

Hire-Purchase, consumer loan, car loan and home improvement loan Valid as of 17.03.2017

Agreement and other fees

Agreement signing

Hire purchase, private person 9,9 – 99,9 EUR

Consumer loan, home improvement loan and car loan for private person 1% from loan sum, min. 29,9 EUR

Hire purchase, legal person 19,9 – 199,9 EUR

Amendment to the hire purchase agreement 10 EUR

Overdue charge

Private person Contractual interest rate, min. ECB interest rate (1) + 8% per year

Legal person 0,2% per day

Overdue management fee 5 EUR (2)

Early termination by the customer

Private person Free of charge

Legal person 3% from loan balance

Fee for paper invoice 1 EUR (2)

Document processing fee 10 EUR (2)

(1) The interest rate applicable to the main refinancing operations of the European Central Bank (ECB). (2) Value added tax is included.

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Trade Finance Valid as of 11.04.2017

Guarantees for a legal person (1)

Guarantees issued by LHV Bank (incl Stand-by Letters of Credit)

Agreement fee, agreement amendment fee as agreed

Issuance fee 100 EUR

Guarantee fee as agreed

Fee for non-standard wording (issuance fee will not apply) 150 EUR

Guarantee or its amendment drafting fee (if requested by customer) min 50 EUR

Fee for handling a claim 0,1%, min 150 EUR

Amendment fee (in case the amout is increased or period extended, relevant guarantee fee will be also applied)

100 EUR

Return of the guarantee before expiry 50 EUR

SWIFT, mail and courier fees (applicable to international guarantees only) as per cost, min 20 EUR

Guarantee issued in favour of LHV Bank’s client

Advising 100 EUR

Amendment advising 100 EUR

SWIFT delivery of the claim under the guarantee 100 EUR

Guarantee or its amendment drafting fee (if requested by customer) as per cost, min 100 EUR

Authenticity check (if requested by client) 50 EUR

Guarantee cancellation notice to the issuer 50 EUR

SWIFT, mail and courier fees as per cost, min 20 eur

(1) In case the services of other banks are being used (advising, authenticity check, etc), these fees are to be borne by the client in addition to the fees stated herein.

Letters of Credit (1) (2)

Import Letter of Credit

Agreement fee, agreement amendment fee as agreed

Issuance fee 100 EUR

Risk fee under full cash cover 1% p.a., min 100 EUR

Risk fee under other collateral as agreed, min 100 EUR

Document checking fee 0,15% of the documents value, min 100 EUR

Deferred payment fee risk fee rate

Letter of Credit or amendment drafting fee (if requested by client) min 75 EUR

Amendment fee 100 EUR

Amount increase or prolongation fee risk fee rate

Discrepancy fee (will be collected from the beneficiary) 100 EUR

SWIFT, mail and courier fees as per cost, min 20 EUR

Payment fee (will be deducted from beneficiary’s payment) 35 EUR

Export Letter of Credit

Advising fee 100 EUR

Confirmation risk fee as agreed, min 100 EUR

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Letter of Credit or amendment drafting fee (if requested by client) min 100 EUR

Document checking fee (includes pre-checking) 0,15% of the documents value, min 100 EUR

Discounting fee 0,1%, min 100 EUR

Discounting interest as agreed

Deferred payment fee 65 EUR

Assignment of proceeds 100 EUR

Amendment fee 100 EUR

Cancellation fee 50 EUR

Transfer fee (in addition, regular export letter of credit fees will apply) 0,25%, min 100 EUR



(2) LHV Bank is handling Letters of Credit subject to and in accordance with "Uniform Customs and Practice for Documentary Credits"), Publication no 600, Paris 2007.

Documentary collection (1)

Cash against documents 0,2% of documents value, min 100 EUR

Documents against acceptance 0,25% % of documents value, min 135 EUR

Partial payment fee (from the second payment) 50 EUR

Amendment to collection instructions 50 EUR

Release of documents free of payment 65 EUR

Cancellation notice fee 65 EUR

Fee for release of the goods, (bill of lading endorsement) in case the goods have been consigned to AS LHV Pank

65 EUR

