Terms and Conditions for Individuals - Intesa Sanpaolo Bank Albania

Terms and Conditions for IndividualsLoans and OverdraftsContract Item Terms and ConditionsOverdraft on current account effected by the value dateDebit Interest RateEUR 13 % p.aUSD 13 % p.aALL 17 % p.aOverdraft RetailAdministration Fee (new lines and renewals)Overdraft in EUREUR 30 for amounts up to EUR 3,000EUR 50 for amounts EUR 3,001-6,000EUR 60 for amounts EUR 6,001-10,000Overdraft in LEKLEK 4,000 for amounts up to 300,000LEK 6,500 for amounts LEK 300,001- 600,000LEK 7,800 for amounts LEK 600,001- 1,000,000Overdraft in USDUSD 40 for amounts up to USD 3,000USD 65 for amounts USD 3,001-6,000USD 75 for amounts USD 6,001-10,000Interest rate (on annual basis) - applicable over the overdraft utilized amountInterestEUR 18.9%LEK 23.4%USD 18.9%Penalty rate (on annual basis) - applicable over the overdue (over limit) amountPenaltyEUR 21%LEK 27%USD 21%OtherCommission on unused fundsFreeContract amendmentFreePrepaymentFreeOverdraft SalaryAdministration Fee (new lines and renewals)2% of the lineOverdraft in EUR min/ max EUR 10/ 30Overdraft in LEK min/ max LEK 1,000/ 4,000Overdraft in USD min/max USD 10/ 40Interest rate (on annual basis) - applicable over the overdraft utilized amountEUR 17.7%ALL 22.2%USD 17.7%Penalty rate (on annual basis) - applicable over the overdue (over limit) amountEUR 21%ALL 27%USD 21%OtherCommission on unused fundsFreeContract amendmentFreePrepaymentFreeCredit Exposures covered with Cash CollateralAdministration Fee (new lines and renewals)Credit exposures in EUR/LEK/USD 1.5 o/oo of credit line, min € 50/ LEK 7,000 max €800/ LEK 112,000Fee for pledge contract amendment € 30/ LEK 4,200 for amounts up to € 50,000€ 50/ LEK 7,000 for amounts over € 50,000Loan Agreement amendmentFreeFree for the OverdraftsPrepayment (premature liquidation)3% of the liquidated amount, with minimum € 50/ LEK 7,000 in case of loansCommission on unused fundsFreeInterest rate (on annual basis) - applicable over the overdraft utilized amountVariable IR (Sum of Time Deposit Published Rates for same currency& same tenor ofthe credit line and the spread. Spread 2%)The interest rate results as maximum of:MIR according to preferential rate of the customer Time deposit or Table rate):- General MIR is sum of TD published rate for the currency and tenor of customer TDused as collateral and the Spread- Specific MIR is sum of customer Specific TD rate used as collateral and the Spread- Fixed MIR is determined by Treasury DepartmentPenalty rate (on annual basis) - applicable over the overdue (over limit) amountPenalty rate10% over the interest rateCoverage ratio110% if collateral and credit exposure are in the same currency120% if collateral and credit exposure are in different currencyOtherFor credit tenors of more than one year, revision at least every year should becontractually performed.Personal LoanGeneral terms for personal loanPurposePurchase of furniture / Holidays/Unexpected expenses / Etc.CurrencyEUR / LEK (matching the currency of your salary)Minimum amount Lek 50,000; Eur 500Maximum amount Lek 1,000,000; Eur 10,000TenorUp to 84 monthsPayment modeFixed monthly installments (principal + interest)CollateralN/AOther conditions (it is necessary to show that:1. you are working for the same employer for a minimum of 1 years;2. you have stable monthly incomeCommission on unused fundsAmendment of loan contractN/AFree08 July 2013 Page: 3

Terms and Conditions for IndividualsCar LoanAmendment of contracts for Car financing loansEUR 150 for each amendmentGeneral terms for car loanPurposePurchase of the new carParticipationNot more than 70 % of car valueCurrencyEUR/LEK/USDAmount Up to EUR/ USD 30 000; ALL 4,000,000Tenor1 - 4 yearsPayment modeFixed monthly installments (principal + interest)Commissions for car loanAdministration fee EUR 300Additional Payments:1. The notarization of the contracts is to be paid by the Borrower2. Life Insurance renewed each year for the outstanding loan amount.3. Maintenance of the Account.4. Expenses in the Registration Pledge Office.5. Full CascoCommission on unused fundsN/ACollateralPledge on the car and Casco insuranceInterest rate (on annual basis) for car loanALL 1 year Tribor + 5%; MIR 13%USD 1 year LIBOR + 5%; MIR 9%EUR 1 year Euribor + 6%; MIR 8.5%PenaltyPenalty rate10% over the interest ratePrepayment FeeTwo weeks notice to the Bank against EUR 50 penalty + 3% of the amount prepaidMiscellaneousContract Item Terms and ConditionsInternet Banking for individualsFree during opening month , then € 1 per monthSecurity Key for Internet Banking€ 5 / per userCELI Payments€ 1/ transactionSWIFT charges€ 10 per transactionFAX charges€ 10 per transactionPostage chargesAs IncurredInvestigations on 6 months or older from the bank's archive € 25Cash deposit for NOA installment payment LEK 100Treasury bills commission 3 0/00 of the amount,min/max LEK 2,000/10,00008 July 2013 Page: 5