Special Offer “International Business with JSC Belagroprombank”

TERMS AND CONDITIONS

1. The Organizer of the Special Offer – JSC Belagroprombank (further “the Organizer”).

2. The Name of the Special Offer – “International Business with Belagroprombank” (further “the Offer”).

3. Eligibility requirements: To be eligible for the Offer, any legal entity and individual entrepreneur must have no current (settlement) account in foreign currency with JSC Belagroprombank and (or) must perform foreign currency transactions through other banks of the Republic of Belarus^1* (further “the Requirements”).

4. Effective date and expiry date of the Offer:

The Offer is valid July 1, 2015 through June 30, 2016 incl.

On conclusion of such bank account agreements (additional amendments to agreements) under the present Offer, The Requirements specified in Clause 5 must be met within six months starting from the date of conclusion of the agreement, but not later than December 31, 2016.

As far as documentary transactions are concerned, which are performed within the validity period of the Offer (opened letter of credits, issued bank guarantees), the Requirements specified in Clause 5 must be met within the whole validity period of a letter of credit, a bank guarantee.

5. Terms and conditions of the Offer:

A legal entity or an individual entrepreneur who meets the Requirements, within the validity period of the offer, will be provided with the package of banking services on preferential terms and will have a right to choose any of the services specified below, subject to the condition that the client has not used this service for the last 6 months prior to the effective date of the Offer:

5.1. the fee rates on operations under the Fee Guide of JSC Belagroprombank, approved by the Decision of the Finance Committee of JSC Belagroprombank dd. 27.07.2009, Minutes No. 59 (further – Fee Guide):

No	Operation as per Fee Guide	Fee rate as per Fee Guide	Fee under the Offer
1.	Opening of accounts
1.1.	Current (settlement) account in Belarusian rubles:
1.1.1.	- legal entities	BYR 100 000	Free of charge (provided that a current (settlement) account in foreign currency is opened within the Offer )
1.1.2.	- individual entrepreneurs	BYR 100 000
1.2.	Current (settlement) account in foreign currency:
1.2.1.	- legal entities	BYR 100 000	Free of charge
1.2.3.	- individual entrepreneurs	BYR 100 000
1.3.	Opening of a special account for storage of foreign currency purchased in the domestic currency market	BYR 70 000
2.	Settlements in foreign currency:
2.1.	Domestic bank transfer (for crediting funds to beneficiaries’ accounts through Nostro accounts with resident banks)	0,1 % of the amount, min. USD 10, max. USD 100	6 USD
2.2.	*International bank transfer (for crediting funds to beneficiaries’ accounts through Nostro accounts with non-resident banks^2):**
2.2.1.	- if the expenses incurred by JSC Belagroprombank are paid by the payer	0,2 % of the amount, min. USD 25, max. USD 250	30 USD
2.2.2.	- if the expenses incurred by JSC Belagroprombank are paid by the beneficiary	0,2 % of the amount, min. USD 25, max. USD 250	30 USD

3.	Documentary operations
	Operation as per Fee Guide	Fee rate as per Fee Guide	Fee under the Offer	Amount of guarantee/ letter of credit
3.1.	Bank guarantees and surety bonds
3.1.1.	Preparation and issuance of an international bank guarantee on the instructions of legal entities, individual entrepreneurs (prolongation of an international bank guarantee, increase of the original amount of the international bank guarantee)	3% p.a. of the amount of the guarantee, min. USD 50	80% of the Fee Guide rate	USD 60 001 - 70 000 in the equivalent amount
			70% of the Fee Guide rate	USD 70 001 -80 000 in the equivalent amount
			60% of the Fee Guide rate	USD 80 001 - 95 000 in the equivalent amount
			50% of the Fee Guide rate	Over USD 95 000 in the equivalent amount
3.1.2.	Preparation and issuance of a payment (domestic) guarantee for customs duties	1,8% p.a. of the amount of the guarantee, min. USD 50	80% of the Fee Guide rate	USD 60 001 - 70 000 in the equivalent amount
			70% of the Fee Guide rate	USD 70 001 -80 000 in the equivalent amount
			60% of the Fee Guide rate	USD 80 001 - 95 000 in the equivalent amount
			50% of the Fee Guide rate	Over USD 95 000 in the equivalent amount
3.2.	Documentary letter of credit operations
3.2.1.	With proof of funds by the time the letter of credit is opened
3.2.1.1.	Opening of a letter of credit	0,15% of the amount of the letter of credit; min. USD 50	80% of the Fee Guide rate	USD 50 001 - 100 000 in the equivalent amount
			70% of the Fee Guide rate	USD 100 001 - 150 000 in the equivalent amount
			60% of the Fee Guide rate	USD 150 001 - 200 000 in the equivalent amount
			50% of the Fee Guide rate	USD 200 001 - 250 000 in the equivalent amount
			40% of the Fee Guide rate	Over USD 250 000 in the equivalent amount
3.2.2.	Without proof of funds by the time the letter of credit is opened
3.2.2.1. 3.2.2.2.	Opening of a letter of credit Outstanding liability under a letter of credit	0,15% of the amount of the letter of credit; min. USD 50 min. 1,5% p.a., max. 5% p.a. of the amount of liability	90% of the Fee Guide rate	USD 300 001 - 400 000 in the equivalent amount
			80% of the Fee Guide rate	USD 400 001 - 500 000 in the equivalent amount
			70% of the Fee Guide rate	USD 500 001 - 600000 in the equivalent amount
			60% of the Fee Guide rate	USD 600 001 - 700 000 in the equivalent amount
			50% of the Fee Guide rate	Over USD 700 000 in the equivalent amount

¹* To be eligible for the Offer, any legal entity and individual entrepreneur will have a right to use the Offer, provided it has not used one or several types of banking transactions specified in Clause 5 with JSC Belagroprombank for the last 6 months prior to the effective date of the Offer.

²* Other banks’ fees for performing international transfers (except international transfers in US dollars carried out through correspondent accounts, opened with US banks, international transfers in Russian rubles), domestic transfers (except domestic transfers in Russian rubles, US dollars and Euros) are paid by the payer additionally upon their factual issuance by JSC Belagroprombank (if the fee for the transfer is paid by the payer).

5.2. The maximum interest rates on the coverage provided by corporate clients as a guarantee of fulfillment of obligations under a letter of credit without transferring the funds to the nominated bank:

Amount/maturity	1 -10 days incl.	11 -90 days incl.	91 - 180 days incl.	181 - 365 days incl.	over 365 days
USD, Euro
3 000 000 and less	0,5	3,0	3,5	5,0	5,5
over 3 000 000*	0,5	3,0	3,5	5,0	5,5
Russian rubles
150 000 000 and less	Key rate of Russian Central Bank+2 p.p.
over 150 000 000*	Key rate of Russian Central Bank+2 p.p.

* the interest rate shall be approved by the Treasury.

6. Learn more about the Offer by visiting the bank’s web-site www.belapb.by or by calling the Bank’s Contact Centre at 136.

07/12/23	we buy	we sell
	3.2160	3.2500
	3.4000	3.4770
100 units	3.4100	3.4890

07/12/23
	USD	3.2229
	Euro	3.4773
	100 rus.rub.	3.4689

currency	value	price
	50г	11 600.00
	20г	4 850.00
	10г	2 600.00