Fee guide

Chapter V. BANKING SERVICE PACKAGES
No.	Name of the package (operations)		Fee rate				Payment due date	Payment due date
20.	"Salary" package¹
		Type of a card	Basic	Standard ³	Special ^{3, 4}	Alternative⁷	Comfortable
20.1.	User fee (monthly fee)	BELCARD BELCARD-PREMIUM	-	-	-	n/a	n/a	Monthly upon receiving funds on the account
		BELCARD-PREMIUM-Maestro	-	0,67 BYN	0,33 BYN
		VISA Electron
		Maestro
		MasterCard Unembossed					2,66 BYN
		MasterCard Unebmossed "Touch"					n/a
		MasterCard Unembossed "Motsnaya Kartka"	-	0,83 BYN	0,50 BYN	6,00 BYN	2,66 BYN
		MasterCard Standard	-	1,11 BYN	0,39 BYN
		Mastercard Standart "Motsnaya Kartka"
		VISA Classic
		MasterCard Gold	-	2,40 BYN	0,78 BYN		4,32 BYN
		MasterCard Gold "Touch"					n/a
		MasterCard Gold "Motsnaya Kartka"					4,32 BYN
		VISA Gold
		Payment ring "PayRing"	̅
		VISA Platinum	fee under sub-Clauses 18.1.2.4.
		VISA Infinite
20.2.	Crediting and payment of salary and other payments to current (settlement) card accounts incl. transfer to basic accounts under the concluded contract		1,9% of the amount	1,8% of the amount	1,8% of the amount	0,5% of the amount	1% of the amount	Simultaneously with the transfer of payments but no later than the last working day of the month
20.3.	Card service package fee (for each validity period of a card)	BELCARD BELCARD-PREMIUM	fee under Clause 18.1.1.1.	fee under Clause 18.1.1.1.				For legal entities-within 3 banking days after receiving the invoices, but no later than the last working day of the month; for individuals - before receiving a card
		BELCARD-PREMIUM-Maestro		_		n/a	n/a
		MasterCard Unembossed					_
		MasterCard Unembossed "Touch"
		MasterCard Unembossed "Motsnaya Kartka"					n/a
		MasterCard Standard				_	_
		MasterCard Standard "Motsnaya Kartka"
		VISA Classic
		MasterCard Gold "Touch"					n/a
		MasterCard Gold
		MasterCard Gold "Motsnaya Kartka"
		VISA Gold

		Payment ring "PayRing"	fee under Clauses 18.1.1.-5.1.
		VISA Platinum	fee under Clauses 18.1.2.1., 18.1.2.2.
		Visa Infinite
20.4.	EXCLUDED

20.5.	Card service fee	MasterCard Unembossed Credit	-	4,90 BYN each month ⁵		n/a	n/a	During the month following occurance of credit debt
20.6.	EXCLUDED
Notes to Section 20:
1.	Fees for operations not specified in this section shall be paid by clients according to other sections of the Fee Guide.
2.	EXCLUDED
3.	The User fee is charged per each primary salary card, except Visa Platinum cards issued within the "Salary" Package (basic) and Visa Infinite cards.
4.	"Salary" package (special): "Salary" Package is provided to corporate priority clients having the settlement status VIP or other corporate clients in accordance with the decision of the authorized body of the bank;
5.	One-time fee is applicable to loan agreements (signed in the period 10.09.2010 - 21.01.2013 inclusively) under which loans were disbursed to MasterCard Unembossed card, and is charged provided that there is indebtedness during the validity of the credit line, starting from the month following the month in which the indebtedness occurred.
6.	EXCLUDED
7.	"Salary" Package (alternative): - Monthly fee for SMS-Notification ("XL" package) is not applicable, except BELCARD and BELCARD-PREMIUM cards; - Fee for servicing of a virtual card "Unreal card" is covered by the package; - Fee for servicing of one additional card within the product "Children's card" is not applicable. The "Salary" Package (alternative) is not available for individual enterpreneurs.
8.	The "Salary" Package (Comfortable) is provided to corporate clients who transfer payment orders and (or) electronic lists via the remote banking service system. Within the "Salary" Package (Comfortable) : - Fee for servicing of additional cards within the specification of the product "Children's card" is not applicable; - Fee for servicing of one additional card BELCARD-PREMIUM-Maestro, MasterCard Unembossed, VISA Classic, MasterCard Standard is not applicable.

21.	"Care" package¹
21.1.	EXCLUDED

21.2.	EXCLUDED
21.3.	EXCLUDED
21.4.	Card service fee for MasterCard Unembossed "Motsnaya kartka" - "Care"(for each validity term of the card)		8,00 BYN				Prior to receiving the card
Notes to Section 21:
1.	Operations not specified in Section 21 shall be paid by clients in the amount set in other sections of the Fee Guide. Transactions using the Mastercard Unembossed “Motsnaya Kartka” - “Care” card, not specified in Section 21, shall be paid by customers in the amount established in Chapter IV of the Fee Guide for Mastercard Unembossed “Motsnaya Kartka” cards. The following services are provided free of charge to clients using the "Care" Package: - issue of a standing payment instruction for top-up of the deposit account; - Internet Banking service activation.
21-1.	Basic account ¹
21-1.1.	Card service fee for one card BELCARD -PREMIUM and BELCARD -PREMIUM-Maestro²		_
Notes to Section 21-1:
1.	Basic accounts are free of charge for: -opening a basic account, incl. as a result of the base account transfer operation; -re-registration of the current account into a basic account; -re-registration of the basic account into a current account; -closing the basic account, incl. as a result of the base account transfer operation; -crediting to the basic account of social payments, salary and equivalent payments, scholarships, as well as other payments; -transfer of funds from the basic account, also by using a card, to accounts opened with JSC "Belagroprombank"; -transfer of funds from the base account to another account due to the closure of the base account, also as a result of transfer operations of the base account, re-registration of the base account into a current account; -transfer of funds from the basic account as a result of payment transactions by using the card in trade (service) organizations, also via the Internet; -transfer of funds from the basic account as a result of payment transactions by using the card through AIS "Raschet" (SSIS); -transfer of funds from the base account as a result of a bank transfer through the AIS "Raschet" (SSIS) for their crediting to the current account, the deposit account of individual, making payments under a loan agreement concluded between the bank and the individual; -cash disbursement from the base account, also by using a card, through cash desks, other objects of the software and hardware infrastructure of JSC "Belagroprombank"; -connection to remote banking systems (hereinafter referred to as RBSS) of JSC "Belagroprombank" to provide access to the base account; -using RBSS of JSC "Belagroprombank" to view information about the funds available on the basic account, except for the mini-statement; -viewing information on the card about funds available on the basic account at ATMs, information kiosks of JSC "Belagroprombank"; -crediting funds transferred from the base account to other accounts opened with JSC "Belagroprombank"; -providing a basic accoun statement on paper; -providing a basic account statement in electronic form via the Bank's RBSS, except for a mini-statement; -issuance of a certificate on details of the basic account, necessary for submission to organizations that make social payments, payment of scholarships; -transfer of funds from the basic account to charitable accounts; -transfer of funds from the basic account to accounts for budgetary accounts (personal accounts of group 36, with the exception of personal accounts opened on balance sheet account 3632); -execution of decisions of the tax authority, the customs authority, the authority of the Fund for Social Protection of the Population of the Ministry of Labor and Social Protection of the Republic of Belarus on the collection of taxes, dues, penalties and other obligatory payments to the republican and local budgets, state off-budget funds. Transactions not specified in Section 21-1 will be charged in the amount set out elsewhere in the Fee Guide. "
2	The fee specified in clause 21-1.1. is not charged upon the first issue of the BELCARD-PREMIUM or BELCARD-PREMIUM-Maestro card, as well as upon its reissue (replacement) due to the expiration of the validity period