Common use of Charges, Fees, Expenses and Interest Clause in Contracts

Charges, Fees, Expenses and Interest. Processing fee (see Item 9.4.) 1.5% Cash withdrawal fee 3%, minimum EUR 3.63 Nominal debit interest rate 14% p.a. Effective debit interest rate with quarterly compounding (Item 9.6.) 14.76% Effective debit interest rate with monthly compounding (Item 9.7.) 14.95% Duplicate transaction document EUR 10.– Duplicate account statement EUR 3.– Expenses for postal delivery of account statements EUR 0.99 Direct debit rejection expenses bank charges incurred plus notification expenses of EUR 4.– Reminders: First reminder up to EUR 100.– free of charge First reminder over EUR 100.– EUR 5.– First reminder over EUR 1,000.– EUR 10.– Second and third reminders up to EUR 100.– EUR 20.– over EUR 100.– EUR 25.– over EUR 1,000.– EUR 30.– Card fee as stated in separate agreement Card replacement fee (Item 9.2.) EUR 7.– Handling charge (Items 12.2., 12.6.) EUR 40.– Replacement expense (Item 13.7.) EUR 9.90 Delivery of Cards to addresses outside Austria: within the European Union EUR 20.– outside the European Union EUR 25.–

Charges, Fees, Expenses and Interest. Processing fee (see Item 9.4.) 1.5% Cash withdrawal fee 3%, minimum EUR 3.63 Nominal debit interest rate 14% p.a. Effective debit interest rate with quarterly compounding (Item 9.6.) 14.76% Effective debit interest rate with monthly compounding (Item 9.7.) 14.95% Duplicate transaction document EUR 10.– Duplicate account statement EUR 3.– Expenses for postal delivery of account statements EUR 0.99 Direct debit rejection expenses bank charges incurred plus notification expenses of EUR 4.– Reminders: First reminder up to EUR 100.– free of charge First reminder over EUR 100.– EUR 5.– First reminder over EUR 1,000.– EUR 10.– Second and third reminders up to EUR 100.– EUR 20.– over EUR 100.– EUR 25.– over EUR 1,000.– EUR 30.– Card fee as stated in separate agreement Card replacement fee (Item 9.2.) EUR 7.– Handling charge (Items 12.2., 12.6.) EUR 40.– Replacement expense (Item 13.7.) EUR 9.90 Delivery of Cards to addresses outside Austria: within the European Union EUR 20.– outside the European Union EUR 25.–