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Fee Schedule

Customer classification
Group 0 � customers with aggregate average monthly account credit balances from RUR 5,000 up to RUR 150,000.
Group 1 � customers with aggregate average monthly account credit balances over RUR 150,000.
Group 3 � customers with aggregate average monthly account credit balances of up to RUR 5,000.

Currency conversion
All fees are charged in the currency of the account in USD equivalent unless otherwise stated. Fees are converted into the currency of the account at the official rates of exchange, prevailing at the date of transaction.

Postage, etc.
Postage, cable, telex and other handling charges are paid at cost.

Amendments
The Bank may vary any fees and charges at any time giving or sending to the customer a prior notice.


  Group 0 Group 1 Group 3
Account opening fee RUR 300. none RUR 300.
Account maintenance fee RUR 300. none RUR 300.
Interest on credit balances none as agreed none
Cheque book RUR 50.- per book RUR 50.- per book RUR 50.- per book
Account information via telephone RUR 300.� per month RUR 300.� per month RUR 300.� per month
Teleplat installation fee USD 20.� VAT excluded. none USD 20.�VAT excluded.
Teleplat monthly service fee USD 10.�VAT excluded. USD 10.�VAT excluded. USD 10.�VAT excluded.
 
Incoming payments � rubles free free free
Incoming payments � foreign currency free free free
Outgoing payments by wire � rubles RUR 25.� per item.CBR charges included. RUR 20.� per item.CBR charges included. RUR 30.� per item.CBR charges included.
Outgoing payments via Teleplat � rubles RUR 10.� per item.CBR charges included. RUR 10.� per item.CBR charges included. RUR 10.� per item.CBR charges included.
Outgoing payments � foreign currency 0.3%
min 30.-USD,
max 300.-USD
0.2%
min 30.-USD,
max 300.-USD
0.3%
min 30.-USD,
max 300.-USD
Cable charges � rubles RUR 215.� per item RUR 215.� per item RUR 215.� per item
Cash deposits � business accounts � rubles 0.5% 0.3% 6.0%
Cash deposits � personal accounts � rubles free free free
Cash deposits � business accounts � foreign currency free free free
Cash withdrawals � business accounts � rubles � salaries, pensions etc 0.3% 0.25% 0.5%
Cash withdrawals � business accounts � rubles � other 3.0% 1.0% 0.5%
Cash withdrawals � business accounts � foreign currency 2.0% 1.0% 3.0%
Cash withdrawals � personal accounts � foreign currency � up to amount of previously deposited cash free free free
Cash withdrawals � personal accounts � foreign currency � other 2.0% 1.0% 3.0%

The complete list of our account management fees (in Russian) can be received from the Customer Services Division. Please call + 7 095 237 6006

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