Comis Pachete PF

Current operations
Loans
Savings and investment
Insurance
Miscellaneous services
22.07.2016
Dear customer,
For the smooth running of your business, we are pleased to present you with the Guide Book
of Fees in RON and Foreign Currency for the products and services offered by BRD
Groupe Socit Gnrale.
This Guide Book is simple to use and provides various pieces of information tailored to your
requirements in terms of current operations, loans, investments and other services.
IMPORTANT:
This Guide Book is part of the contract between you and the Bank. Therefore, do not hesitate
to ask your BRD agency to hand you over a copy thereof whenever you deem it necessary.
You may view the fees and rates applicable as at the relevant date at any time and at any
BRD unit and on the BRD website, www.brd.ro.
These fees and rates are valid from July 22nd, 2016.
Contents
Current operations
I. Opening and managing
current accounts
1. Opening accounts
2. Managing accounts
3. Statements of account
4. Other services
5. Packages of products and services
II. Payment methods
III. Bank cards
1. Services for cards

2. Cash operations
3. Payments to retailers
IV. Remote banking services
1. Cash operations
2. Transfers
3. Cheques
1. MyBRD SMS
2. MyBRD Mobile
3. MyBRD Net
4. MyBRD Contact
Loans
1. Loan review
2. Loan management
3. Early repayment
4. Other fees for the lending activity
5. Guarantees
Savings and investment
1. Deposits and savings accounts

2. Stejar
3. BRD Simfonia
4. BRD Obligatiuni
5. BRD Diverso
6. BRD Actiuni
7. BRD Index
8. Eurofond
9. BRD USD Fond
10. Operations with government securities
11. Operations related to SGAM Fund investment funds
Insurance
1. Confort Insurance
life insurance
Asigurari
de viata
BRDAV atasate creditelor
2. BRDAV
attached
to loans
3. Groupama fully comprehensive car insurance
4. Omniasig fully comprehensive car insurance
5. Groupama fire insurance
Miscellaneous services
1. Payment incidents
2. Garnishments
3. Letters of good standing (recommendation)/solvency certificates
4. Rental of safe deposit boxes
5. Messages sent
6. Currency exchange
7. Other services
Appendix no. 1: BRD internal time limits for the receipt of payment orders for the purpose of execution
Current operations
Rate/fee
I. Opening and managing current accounts

1. Opening accounts
Opening a current account/BRD Capital markets account/account with standard
credit card (CumVreiTu) attached, (in RON)/ Escrow account for loans
in RON
in foreign
currency
free of charge
free of charge
2. Managing accounts
Managing Escrow accounts for loans
free of charge
Managing current accounts
With an attached card/without an attached card
4.20 RON /month/account (equiv. in

the account currency)
With an attached card under the agreements:

- Beneficii Plus Dedicat
free of charge
- Beneficii Plus Standard
4.20 RON /month/account (equiv. in the

account currency)
- Standard Offer Managers
6 RON/month
- Standard Offer Employees
4 RON/month
Managing the BRD Piete de Capital account
1. The holder has at least one current account with BRD
free of charge
2. The holder does not have a current account with BRD
4.20 RON /month/account (equiv. in the

account currency)
3. Statements of account
Fees applicable to the current account, and the account with standard credit card
(Punct Card/ CumVreiTu) attached:
Submission of the monthly statement of account 1

Issue of a statement of account for current account/ for the account with
3 RON
o The first statement of account, for the previous month
free of charge
standard credit card (Punct Card/ CumVreiTu) attached, for the previous month,
upon the Customers request, at the BRD unit or via MyBRD Contact2
o Starting with the second statement of account, for the previous month
Issue of a statement of account for the current month, upon the Customers
request, at the BRD unit or via MyBRD Contact2
1 EUR (equiv. in the account currency)

1 EUR/statement (equiv. in the account
currency)
Issue of an account history, upon the Customers request at the BRD unit or via
MyBRD Contact2
o For a period of maximum 3 months (in relation to the current date)

o For a period of over 3 months (in relation to the current date)
3 EUR/account (equiv. in the account

currency)
5 EUR/account (equiv. in the account
currency)
Valid both for the issue of the statement of account at the counter and the submission thereof to the Customers residence or to another address indicated by the
Customer; valid also for the account with standard credit card (Punct Card/ CumVreiTu) attached Starting from 15.10.2007, the fee also applies to BRD-ISIC cards
and Card 10 marketed individually (outside agreements).
2
Through MyBRD Contact the statement is sent via email. This fee is also available for the Escrow account (exception the statement issued at the opening date)
4. Other services
Adding a new proxy
free of charge
Provision of information on the current account balance, including accounts with

standard credit card (Punct Card/ CumVreiTu) attached (and the BRD Piete de
Capital account)
o MyBRD Contact
o
free of charge
0.9 RON (equiv. in the account
currency)
MyBRD SMS
o BRD ATMs/POS
free of charge
o ATMs of other banks in Romania and abroad
1 EUR (equiv. in the account currency)
Provision of information on the current account balance for Platinum
free of charge
Provision of information on the current account balance 3 for Platinum
2 RON
Provision of information on the current account balance 33 for Platinum
0.5 EUR
(debit and credit) cards: MyBRD Contact, MyBRD SMS, BRD ATMs/POS
cards (debit in RON and credit): ATMs of other banks in Romania
debit cards in EUR: ATMs of other banks in Romania
Provision of MyBRD SMS mini-statement
0.9 RON (equiv. in the account

currency)
Postage and telecommunications fee for the Mobility of current accounts
40 RON +VAT
in RON service 4
5. Product and service packages

Opening a package
free of charge
CLASIC package (including the Loial option)
Product package management 5
RON
Foreign
currency
6.5 RON/month
1.9 EUR/month
15 EUR (equiv. in the package

currency)
Product package closure 6

SELECT package (including the Loial option)
Product package management 5

With basic insurance 7
With extended insurance

PREMIUM package
Product package management

RON
Foreign
currency
9 RON/month
2.7 EUR/month
20 RON/month
6 EUR/month

currency)
Foreign
RON
currency
35 RON/month
10 EUR/month

currency)
SPRINT package/STUDENT package

3
4 RON/month
5 EUR (equiv. in the package currency)
Exception: the service of provision of information on the current account balance at the ATM: it is free of charge under the Beneficii Plus Dedicat agreements and for
the BRD Piete de Capital account whose holder has at least one current account opened with BRD.
4
This applies to BRD customers who are holders of current accounts in RON and request the transfer of current accounts and/or account relationships to another bank
5
For packages sold before 18.05.2009, the management fee in force at that time shall be charged
6
The fee applies to packages opened starting from 9 July 2008. For packages opened starting from 28 October 2013, after the first 2 years after the purchase, the
closure fee is 0.
7
Insured events: hospitalisation following an accident and surgery following an accident (basic level) or hospitalisation following an accident or illness and surgery
following an accident or illness (extended level); Content of insurance benefits:
For hospitalisation: daily benefit = 43 RON/10 EUR, granted for a maximum number of days covered
For surgery: maximum benefit = 2150 RON/500 EUR: depending on the type of surgery, a percentage of this amount shall apply. In case general anaesthesia is
used, an additional benefit of 430 RON/100 EUR will be paid. For further information, see the insurance information note.
DRUM BUN package
2 EUR/month
currency)

e-CLICK package
8.5 RON/month
currency)

Summer package (promotional offer valid 16.07 - 15.09.2012)
RON
Foreign currency
4 RON/month
1 EUR/month

currency)
The fee shall be charged only for
packages closed in less than 2 years
after opening

Package closure for the purchase of a new BRD package
free of charge
Confort insurance premium for the package holder card
5 EUR/USD/year (in RON equiv.)
Issue of cards included in the packages
free of charge
Operations that are free of charge/month 8 related to the packages:

CLASIC package
with
Loial
normal
option
No. of cash
withdrawals that are
free of charge at
ATMs in the Banks
network
SELECT package
with
Loial
normal
option
3
e-CLICK
package
SPRINT
package
STUDENT
package
DRUM
BUN
package
2 holder +
PREMIUM
package
2 user(s)
Other discounts related to the packages:
Authorised overdraft
file preparation fee
Loan file review fee 9
22
CLASIC package
SELECT package
norm
al
With the
option
Loial
e-CLICK
package
normal
With the
option
Loial
-20%
-25%
-20%
-25%
-20%
-25%
-20%
-25%
STUDENT
package
DRUM
BUN
package
PREMIUM
package
-20%
-20%
-20%
-20%
-20%
- 20%
-20%
-20%
SPRINT
package
8 Operations performed free of charge every month (calendar month, starting from the month of package activation), with a card included in the package;
9 Except Prima Casa and car loans granted through the authorised Dacia/Renault/Nissan dealer network;
Current operations
Rate/fee
II. Payment methods

1. Cash operations
Cash deposit at the cash office
Cash withdrawal at the cash office
RON
Foreign currency
free of charge
free of charge
0.50%,
Min. 5 RON
0.50%, min. 3 EUR

(or equivalent)
2. Transfers
Intrabanking circuit (BRD-BRD transfers, including local transfers)
a) RON:
Receipts
free of charge
Receipts from the accounts of the same Customer
free of charge
Payments at the counter*

MyBRD Contact, MyBRD Mobile/MyBRD Net payments (including standing
orders via MyBRD Net)
Transfers between the accounts of the same holder, including transfers
between the current account and the credit account/account with standard
credit card (Punct Card/ CumVreiTu) attached/ BRD Piete de Capital account
7 RON/operation
free of charge
free of charge
Receipts in the ATUCONT/ ATUSTART/ ATUSPRINT/ LIBERCONT/ Smart
free of charge
Payments made from the ATUCONT/ LIBERCONT/ Smart Cont account by
free of charge
Cont savings accounts
the holder to the current account thereof opened with BRD
Balance transfer, upon closure of the ATUCONT/ ATUSTART/ ATUSPRINT/
LIBERCONT savings account to another ATUCONT/ ATUSTART/

ATUSPRINT/ LIBERCONT savings account opened with BRD in the name of
the same holder or to a current account opened with BRD in the name of the
same holder
Receipts in the Escrow accounts for loans

SIMPLIS DEBIT
o exception: mandates set in favour of SC Electrica Furnizare SA
Standing orders 31
b)
o
o
o
o
Foreign currency
At the counter
Receipts
Payments
MyBRD Net/MyBRD Mobile/MyBRD Contact
Receipts
Payments
free of charge
free of charge
free of charge
1.5 RON/operation
0.30 EUR/operation (equiv. in the
account currency)
free of charge
2 EUR/operation
free of charge
free of charge
Interbanking circuit (transfers BRD-other banks in Romania)

a) RON
Receipts payment orders

Receipts in the ATUCONT/ ATUSTART/ ATUSPRINT/ LIBERCONT savings
account
4 RON/operation
free of charge
Starting from 07.01.2013, the standing order service between two accounts of the same Customer (BRD current accounts/BRD savings accounts) is free of
charge. For Customers who opted for this service before 07.01.2013, the standard fee of 0.30 EUR/operation shall be charged.
* Payments made from the Escrow account into the current account, will be charged from the current account
free of charge
Receipts in the Escrow accounts for loans

Payments* standing
9 RON/operation
orders 1
Urgent payments (TEMP)
9 RON/operation
MyBRD Contact/ MyBRD Mobile/MyBRD Net payments (including standing

1
Receipts and payments debit instruments (cheques and promissory notes) 1

o 500 RON
o (500 50,000) RON
o 50,000 RON
3.5 RON/operation
Electronic
settlement
4 RON/operation
8 RON/operation
11 RON/operation
Paper settlement
8 RON/operation
16 RON/operation
22 RON/operation
SIMPLIS DEBIT 2
o < 200 RON
o [200 50,000] RON
o > 50,000 RON
b) Foreign currency
Receipts 3
1.5 RON/operation
3 RON/operation
5 RON/operation
free of charge
IBAN code repairs 4
7 EUR
Receipt modification
20 EUR + SWIFT charges
Receipt cancellation
Investigations
o Up to 6 months
o Over 6 months
Payments 5

Payments at the counter

MyBRD Mobile/MyBRD Net/MyBRD Contact payments (including standing
0.20% (min. 20 EUR, max. 1000 EUR)

+ external fee
0.15% (min. 10 EUR, max. 25 EUR) +
external fee
External fee (for OUR payments only) 6

- Payments made outside the EU/EEA, regardless of the currency and
inside the EU/EEA 7 in the currency of one of the EU/EEA member states
- MyBRD Net
Additional emergency fee

Payment modification or cancellation
Investigations
o Up to 6 months
o Over 6 months
SIMPLIS DEBIT
Standing orders
Urgent payment processing 81 (currency date: today)
20 EUR
10 EUR
30 EUR/operation
free of charge
0.30 EUR/operation (equiv. in the
account currency)
30 EUR/operation
Includes the NBR fee: for low-value interbank payments: 0.51 RON and for high-value payments: 6 RON; for debit instruments with electronic settlement, the NBR
charges a fee of 0.88 RON for receipts and no fee for payments
2
The NBR fee for direct debit instructions in the interbanking system is borne by the payee
Also valid for receipts in ATUCONT/ ATUSTART/ ATUSPRINT/LIBERCONT/Smart Cont. It is valid when it is paid by the payee.
4
Receipts requiring repairs are those received with incorrect IBAN code.
5
For payments made through the SEPA channel, the same fee shall apply as for payments in foreign currency, without any SWIFT charges (the standard discount
granted through remote banking channels shall be preserved); in case of payments in RON to banks abroad (other than those featured on the list of BRD
correspondent banks) the additional ReGIS fee shall be charged.
6
The external fee shall be added to the payment fee and is valid only in case BRD determines the payment banking channel. In case the Customer determines
the payment banking channel, the external fee might amount to max. 300 EUR
7
Countries belonging to the EU/EEA: Austria, Belgium, Bulgaria, Cyprus, the Czech Republic, Denmark, Germany, Estonia, Greece, Spain, Finland, France,
Hungary, Ireland, Italy, Lithuania, Luxembourg, Latvia, Malta, the Netherlands, Poland, Portugal, Romania, Sweden, Slovenia, Slovakia, Great Britain, Iceland,
Liechtenstein, Norway, Switzerland.
8 For every suboperation made within documentary payment order (endorsement,issue,payment, etc.), minimum 1 SWIF message will be send/retained.
* Payments made from the Escrow account into the current account, will be charged from the current account
3
SWIFT charges 1
MyBRD Mobile payments to a telephone number
free of charge
o 200 RON
o (200 500) RON
o [500 1,000) RON
o [1,000 3,000) RON
o (3,000 5,000] RON
c) Documentary (conditional) standing orders 8
5 RON/operation
10 RON/operation
15 RON/operation
30 RON/operation
50 RON/operation
0.10%, min. 50 EUR, max. 1,000 EUR
(or equiv. in the operation currency)
0,15%, min. 50 EUR, max. 1.500 EUR
0,10%, min. 50 EUR, max. 1.500 EUR
( or equiv. in the operation currency)
20 EUR / operation ( or equiv. in the
operation currency)
0,20%, min. 10 EUR, max. 1.000 EUR
o Endorsement
o Issue
o Document handling
o Modifications/cancellations
o Payment
WESTERN UNION Payments in foreign currency

Romania and abroad
(except Turkey, Moldova and Ukraine)
In minute
From EUR
10
To EUR
Rate/fee
EUR
Romania to Turkey, Moldova and

Ukraine
In minute
Rate/fee
From EUR
To EUR
EUR
50
0.01
25
50,01
100
25.01
50
100,01
200
16
50.01
150
10
200,01
300
23
150.01
300
13
300,01
400
29
300.01
600
14
400,01
500
32
600.01
750
17
500,01
750
37
750.01
1000
22
750.01
1 000
42
1000.01
1350
27
1 000,01
1 250
48
1350.01
1500
32
1 250,01
1 500
58
1500.01
1750 and above
47
1 500,01
1 750
66
1 750,01
2 000
76
2 000,01
2 500
90
2 500,01
3 000
110
3 000,01
3 500
136
3 500,01
4 000
160
4 000,01
4 500
180
4 500,01
5 000
200
Starting with May 2nd, 2016 there will be no inbound

operations in USD, respectively starting with July 12th,
2016, there will be no outbound operations in USD.
Across Romania
Rate/fee

Ukraine
6 hours
Rate/fee
6 hours
From EUR
To EUR
EUR
0.01
25
25.01
50
50.01
150
150.01
300
11
300.01
600
12
600.01
750
15
12.5
750.01
1000
20
22.5
1000.01
1350
25
1350.01
1500
30
1500.01
1750 and above
45
From EUR
To EUR
EUR
50
4.5
50,01
100
5.5
100,01
200
200,01
300
8.5
300,01
400
10
400,01
500
500,01
5 000
In case of payments over 5,000 EUR, whenever this threshold

is exceeded by 500 EUR, the fee increases by 21 EUR.
WESTERN UNION Payments in RON

Romania and abroad
(except Turkey, Moldova and Ukraine)
Rate/fee
In minutes
11

Ukraine
Rate/fee
In minutes
From RON
To RON
RON
0.01
225
32
From RON
To RON
RON
225.01
450
41
50
13
450.01
900
72
50.01
150
18
900.01
1350
104
150.01
300
20
1350.01
1800
131
300.01
600
25
1800.01
2250
144
2250.01
3500
167
600.01
1200
28
3500.01
4500
189
1200.01
1500
33
4500.01
5600
216
1500.01
2000
43
5600.01
6750
261
2000.01
2700
53
6750.01
8000
297
2700.01
3000
63
8000.01
9000
342
3000.01
3500 and above
93
9000.01
11250
405
11250.01
13500
495
13500.01
16000
612
16000.01
18000
720
18000.01
20000
810
20000.01
22000
900
Across Romania
6 hours
Rate/fee
Romania to Turkey, Moldova

and Ukraine
6 hours
From RON
To RON
Rate/fee
RON
From RON
To RON
RON
0.01
225
20
50
50.01
150
14
150.01
300
16
300.01
600
21
600.01
1200
24
1200.01
1500
29
1500.01
2000
39
2000.01
2700
49
2700.01
3000
59
3000.01
3500 and over
89
225.01
450
25
450.01
900
30
900.01
1350
35
1350.01
1800
45
1800.01
2250
55
2250.01
22000
101
In case of payments over 22,001 RON, whenever this

threshold is exceeded by 2,250 RON, the fee increases by 95
RON.
Optional services related to Western Union payments

o Recipient messaging
o Recipient telephone notification
o Cash delivery to the recipients address
2 EUR/3 USD/7.2 RON

2 EUR/3 USD/7.2 RON
10 EUR/13 USD/36 RON
3. Cheques
12
Cash payment of travellers cheques
1.50% min. 3 EUR/operation
Cheques returned as unpaid by external banks
10 EUR + external bank fee
Issue of cheques drawn on SG

Cheque investigations
Remittance upon collection of bank cheques
o 0 500 EUR (or equivalent)
o 501 1000 EUR (or equivalent)
o Over 1000 EUR (or equivalent)
0.15%, min. 6 EUR

5 EUR + external bank fee
3 EUR/cheque note
6 EUR/cheque note
0.50%, min. 10 EUR/cheque note
Current operations
Rate/fee
III. Bank cards

1. Fees for ATM transactions
Use of ATMs for cash withdrawals
BRD ATMs
Cards in RON
o CARD 10, BRD ISIC CARD, SPRINT CARD, SPRINT Transport RATB, SPRINT
Transport, MAESTRO, VISA ELECTRON, VISA ELECTRON FERMIER, VISA CLASSIC,
MASTERCARD STANDARD, MASTERCARD BRD-ePayment, MASTERCARD GOLD,
VISA GOLD, Card A LA CARTE/ SUPORTER/ MASTERCARD A LA CARTE
Contactless, MAESTRO Transport RATB, MAESTRO Transport, MASTERCARD
STANDARD Transport RATB, MASTERCARD STANDARD Transport, MASTERCARD
BRD VREAUBILET
o Standard credit card (Punct Card/ CumVreiTu) , PLATINUM credit card
o PLATINUM debit card in RON
0.20%, min. 0.9 RON
free of charge
1%
Cards in foreign currency

o VISA CLASSIC in USD, VISA GOLD in USD
o MASTERCARD STANDARD in EUR, MASTERCARD GOLD in EUR
o PLATINUM debit card in EUR
0.20%, min. 0.9 RON (USD

equiv.)
0.20%, min. 0.9 RON (EUR
equiv.)
1%
ATMs of other banks in Romania
Cards in RON
o MAESTRO, VISA ELECTRON, VISA ELECTRON FERMIER, CARD 10, BRD-ISIC CARD,
SPRINT CARD, SPRINT Transport RATB, SPRINT Transport, MAESTRO Transport
RATB, MAESTRO Transport, VISA CLASSIC, MASTERCARD GOLD, MASTERCARD
STANDARD, MASTERCARD BRD-ePayment, VISA GOLD, Card A LA CARTE/
SUPORTER/ MASTERCARD A LA CARTE Contactless, MASTERCARD STANDARD
Transport RATB, MASTERCARD STANDARD Transport, MASTERCARD BRD
VREAUBILET, PLATINUM debit card in RON
1% + 5 RON
free of charge

1% + 3 USD
o MASTERCARD STANDARD in EUR, MASTERCARD GOLD in EUR, PLATINUM debit

card in EUR
1% + 3 EUR
ATMs of other banks abroad
Cards in RON
BRD VREAUBILET, PLATINUM debit card in RON, PLATINUM credit card
1.5% + 10 RON
free of charge

1.5% + 3 USD

card in EUR
1.5% + 3 EUR
Use of ATMs for paying bills
13
free of charge
Use of ATMs for issuing the list of the latest 10 transactions
0.50 EUR (equiv. in the

account currency)
PLATINUM debit card in RON and EUR, PLATINUM credit card
free of charge
Rate/fee
Use of BRD ATMs for changing the PIN code
Cards in RON
2 RON
Cards in EUR
0.50 EUR
Cards in USD
0.70 USD
free of charge
Use of ATMs of other banks in Romania for changing the PIN code
MasterCard and Maestro cards in RON

MasterCard cards in EUR
2 RON
0.50 EUR
free of charge
2. Fees for POS transactions

Use of POS at the counter for cash withdrawals
BRD POS
Cards in RON
BRD VREAUBILET
o PLATINUM debit card in RON
0.50%, min. 5 RON
free of charge
1%

0.50%, min. 3 EUR (USD

equiv.)
0.50%, min. 3 EUR
1%
POS of other banks in Romania
Cards in RON
o MAESTRO, VISA ELECTRON, VISA ELECTRON FERMIER, CARD 10, BRD-ISIC CARD,
SPRINT CARD, SPRINT Transport RATB, SPRINT Transport , MAESTRO Transport
RATB, MAESTRO Transport, VISA CLASSIC, MASTERCARD GOLD, MASTERCARD
STANDARD, MASTERCARD BRD-ePayment, VISA GOLD, Standard credit card
(Punct Card/ CumVreiTu), Card A LA CARTE/ SUPORTER/ MASTERCARD A LA
CARTE Contactless, MASTERCARD STANDARD Transport RATB, MASTERCARD
STANDARD Transport, MASTERCARD BRD VREAUBILET, PLATINUM debit card in
1% + 4 RON
RON
free of charge

1% + 3 USD

card in EUR
1% + 3 EUR
POS of other banks abroad: standard
Cards in RON
o CARD 10, BRD-ISIC CARD, SPRINT CARD, SPRINT Transport RATB, SPRINT
VISA GOLD, Standard credit card (Punct Card/ CumVreiTu), Card A LA CARTE/
SUPORTER/ MASTERCARD A LA CARTE Contactless, MAESTRO Transport RATB,
MAESTRO Transport , MASTERCARD STANDARD Transport RATB, MASTERCARD
STANDARD Transport, MASTERCARD BRD VREAUBILET, PLATINUM debit card in
1.5% + 10 RON
RON
14
free of charge

1.5% + 3 USD
o MASTERCARD STANDARD in EUR, MASTERCARD GOLD in EUR, ard PLATINUM

debit in EUR
1.5% + 3 EUR
POS of other banks abroad: emergency
Cards in RON
o VISA CLASSIC, VISA GOLD, A LA CARTE (VISA) card
150 EUR
o MASTERCARD GOLD, MASTERCARD STANDARD, MASTERCARD BRD-ePayment,

Standard credit card (Punct Card/ CumVreiTu), Card A LA CARTE/ SUPORTER
(MASTERCARD)/ MASTERCARD A LA CARTE Contactless, MASTERCARD
BRD VREAUBILET
75 EUR
o PLATINUM debit card in RON, PLATINUM credit card
95 USD

150 EUR
75 EUR
95 USD
Use of POS at retailers for making payments including e-Commerce

(purchase of goods and services, including online)
BRD POS
POS of other banks in Romania
POS of other banks abroad
Cards in RON
Cards in foreign
currency
free of charge
free of charge
free of charge
free of charge
free of charge
free of charge
Use of POS at accepted retailers for paying bills

3. Fees for other operations related to cards
Issue and renewal of cards
Card management 1
CHIP cards in RON
free of charge
free of charge
In packages
Individually
RON/year/card
o CARD 10, BRD-ISIC CARD, SPRINT CARD
10
o SPRINT Transport RATB CARD, Sprint Transport CARD
15
15
o MAESTRO, VISA ELECTRON 2

o VISA ELECTRON FERMIER
o MAESTRO Transport RATB, MAESTRO Transport, MASTERCARD
STANDARD Transport RATB, MASTERCARD STANDARD Transport
o VISA CLASSIC, MASTERCARD STANDARD
o MASTERCARD BRD ePayment
o MASTERCARD GOLD, VISA GOLD
o Punct Card
o Standard credit card (CumVreiTu)
o Card A LA CARTE/SUPORTER/ MASTERCARD A LA CARTE
Contactless
o MASTERCARD BRD VREAUBILET
o INSTANT PAY
11.2
(10.5 for Loial Opt.)
35
o VISA CLASSIC in USD

o MASTERCARD STANDARD in EUR
25
25
16
(15 for Loial Opt.)
20
20
160
---
25
200
25
50
50
50
25
--
25
25
450
Individually
CHIP cards in foreign currency
14
In packages
-9.6 EUR/year/card
(9 for Loial Opt.)
12 USD/year/card
12 EUR/year/card
For the cards of holders in product packages, the annual management fees are reduced by 20% compared to the standard; exception: the A LA CARTE/
SUPORTER/ MASTERCARD A LA CARTE Contactless card, TRANSPORT, MASTERCARD BRD VREAUBILET cards
15
o MASTERCARD GOLD in EUR

o VISA GOLD in USD 2
56 EUR/year/card
--
70 EUR/year/card
90 USD/year/card
110 EUR/year/card
Card replacement
Cards in RON
o CARD 10, BRD-ISIC CARD, SPRINT CARD
o SPRINT Transport RATB CARD, SPRINT Transport CARD
o MAESTRO, VISA ELECTRON, VISA ELECTRON FERMIER
o MAESTRO Transport RATB, MAESTRO Transport
o INSTANT PAY
o VISA CLASSIC
o MASTERCARD STANDARD
o MASTERCARD STANDARD Transport RATB, MASTERCARD
STANDARD Transport
in Romania
20 RON
20 RON
10 RON
15 RON
14 RON
25 RON
25 RON
abroad, emergency
225 USD
148 USD
25 RON
148 USD
free of charge
free of charge
25 RON
50 RON
50 RON
148 USD
225 USD
148 USD
148 USD
225 USD
50 RON
148 USD
25 RON
free of charge
148 USD
148 USD
in Romania
abroad, emergency
o VISA GOLD in USD
12 USD
12 EUR
free of charge
225 USD
148 USD
225 USD
o MASTERCARD GOLD in EUR
free of charge
free of charge
o MASTERCARD GOLD
o VISA GOLD
o Punct Card, MASTERCARD BRD ePayment
o Standard credit card (Punct Card/ CumVreiTu)
o
A LA CARTE (VISA) CARD
A LA CARTE/ SUPORTER (MASTERCARD)/ MASTERCARD A LA

CARTE Contactless CARD
o MASTERCARD BRD VREAUBILET


o VISA CLASSIC in USD
o MASTERCARD STANDARD in EUR
Loss/theft
35 USD
Card
replacement
148 USD
148 USD
Business Lounge access via the Priority Pass programme

PIN regeneration
o PLATINUM debit card in RON/EUR, PLATINUM credit card
Unreasonable refusal to pay
30 USD/entry/person
30 USD/entry/person
Cards in
Cards in RON
EUR
10 RON
2.50 EUR
free of charge
Cards in RON
o MAESTRO, VISA ELECTRON, VISA ELECTRON FERMIER, CARD
10, VISA CLASSIC, MASTERCARD STANDARD, MASTERCARD
BRD-ePayment, SPRINT, BRD-ISIC, MASTERCARD GOLD, VISA
GOLD, Standard credit card (Punct Card/ CumVreiTu), Card A
LA CARTE/ SUPORTER/ MASTERCARD A LA CARTE Contactless,
INSTANT PAY, SPRINT Transport RATB, SPRINT Transport,
MAESTRO Transport RATB, MAESTRO Transport, MASTERCARD
STANDARD Transport /Transport RATB, MASTERCARD BRD
VREAUBILET, PLATINUM debit card in RON, PLATINUM credit card
6 RON

10 USD
o MASTERCARD STANDARD in EUR, MC GOLD in EUR, PLATINUM

debit card in EUR
10 EUR
e-Commerce service
16
Cards in
USD
3.50 USD
Activation of cards in the 3D-Secure standard
IV. Remote banking services
free of charge
Rate/fee
1. MyBRD SMS1
Use of MyBRD SMS

Message received
2. MyBRD
2 RON/month
0.9 RON/message
Mobile1
Use of MyBRD Mobile

Use of USSD
4.5 RON/month
0.5 RON/session
3. MyBRD Net1
Use of service
Use of Digipass MyBRD Net
Use of MyBRD Net along with MyBRD Mobile
4.5 RON/month
20 RON + VAT
6 RON/month
4. MyBRD Contact
Use of service
The service is provided free of charge in the BRD packages of products and services
17
free of charge
Loans
1. Loan review 1
A. CONSUMER LOANS
a. Personal loans without subject
EXPRESSO Instant
EXPRESSO
MULTIPLAN loan
EXPRESSO NonStop
b. Lines of credit
Individual authorised overdraft
Platinum authorised overdraft

Standard credit card (Punct Card/ CumVreiTu)
Rate/fee
in RON
in foreign currency
200 RON
200 RON
200 RON
1.000 RON
--50 EUR
50 EUR
---
20 RON
200 RON
5 EUR/ 5 USD
50 EUR
20 RON
---
200 RON
---
Loan 10
Unsecured loan for studies
100 RON
100 RON
--25 EUR/ 25 USD
Mortgage secured loan for studies
500 RON
---
----
40 EUR/ 40 USD
100 RON
500 RON
25 EUR
---
200 RON
---
200 RON
50 EUR
free of charge
---
20 RON
5 EUR/ 5 USD
20 RON
5 EUR/ 5 USD
200 RON
50 EUR
20 RON
----
200 RON
----
500 RON
1.000 RON
free of charge
-------
200 RON
---
200 RON
1.000 RON
50 EUR
---
Platinum
c. Loans for studies/students
Work & Travel loan

d. Loans for medical purposes
Unsecured loans for medical treatments

Mortgage secured loans for medical treatments
e. Loans for real estate investment
Consumer loan for real estate investment

f. Car purchase loans
CAR (new or second hand, any brand)
First Car
g. Loans secured by amounts frozen in the account
Loan for temporary needs

Authorised overdraft with amounts frozen in the account
Platinum authorised overdraft with amounts frozen in the
account
Standard credit card (Punct Card/ CumVreiTu) with amounts
frozen in the account
Platinum with amounts frozen in the account
B. LOANS FOR REAL ESTATE INVESTMENT
Real estate/mortgage loans Habitat

Bridge loan Habitat Extra
Prima Casa IV mortgage loan (purchase of completed
houses or houses undergoing construction)

C. REFINANCING LOANS
Expresso Instant ReStart

Expresso ReStart
Expresso NonStop ReStart
1
The file review fee is reduced by 20% for:
Holders of a product package: CLASIC, SELECT, PREMIUM, e-CLICK, DRUM BUN and STUDENT
Customers who hold or contract an Expresso loan
Customers who hold or purchase a Standard credit card (Punct Card/ CumVreiTu) (exceptions: Dacia/Renault/Nissan, Prima Casa IV, Standard credit
card (Punct Card/ CumVreiTu) with amounts frozen in the account, Standard credit card (Punct Card/ CumVreiTu) ReStart)
- No file review fee is levied in case a loan from another bank is refinanced, and the income is domiciled at BRD
For Habitat Ipotecar in Lei and Euro with simplified documentation, granted between 10 and 15 years, for improving the quality/ value/ standard/ comfort of the house,
the loan review is: 1000 Lei
18
20 RON
20 RON
200 RON
5 EUR/ 5 USD
-----
500 RON
---
in RON
in foreign currency
free of charge
free of charge
0,40%/month
0,16%/month
--0,40%/month
0,40%/month
---
0,8 EUR (account)

0,8 EUR (account)
0,8 EUR (account)
4,2 LEI (account)
free of charge
0,8 EUR (account)

0,8 EUR (account)
-------
0,32%/month
0,32%/month
0,16%/month
---
--0,32%/month
--free of charge
0,40%/month
0,16%/month
0,40%/month
---
0,40%/month
----
0,40%/month
free of charge
0,40%/month
---
30 RON/month
0,8 EUR (account)
0,8 EUR (account)
5 EUR/5 USD/ month

0,8 EUR (account)
---
4,2 LEI (account)
---
free of charge
---
0,8 EUR (account)
0,8 EUR (account)
Real estate/mortgage loans Habitat

Bridge loan Habitat Extra
Prima Casa IV mortgage loan (purchase of completed
free of charge*
---
0,16%/month
---
---
free of charge
free of charge
--0,40%/month
--0,8 EUR (account)
-----
ReStart AO
Standard credit card (Punct Card/ CumVreiTu) ReStart
Platinum ReStart
Habitat ReStart
2. Loan management
A. CONSUMER LOANS
a. Personal loans without subject
EXPRESSO Instant
EXPRESSO (including EXPRESSO for pensioners)
MULTIPLAN loan
EXPRESSO NonStop
b. Lines of credit
Individual authorised overdraft
Platinum authorised overdraft
Punct Card
Standard credit card CumVreiTu
Platinum
c. Loans for studies/students
Loan 10
Loan for studies unsecured
Loan for studies mortgage secured
Work & Travel loan
d. Loans for medical purposes
Loans for medical treatments unsecured

Loans for medical treatments mortgage secured
e. Loans for real estate investment
Consumer loan for real estate investment

f. Car purchase loans
CAR (new or second hand, any brand)

First Car
g. Loans secured by amounts frozen in the account
Loan for temporary needs

Punct Card with amounts frozen in the account
Standard credit card CumVreiTu with amounts frozen in the
account
Platinum authorised overdraft with amounts frozen in the
account
B. LOANS FOR REAL ESTATE INVESTMENT
houses or houses undergoing construction)

C. REFINANCING LOANS
19
Expresso Instant ReStart

Expresso ReStart
Expresso NonStop ReStart
ReStart AO
Punct Card ReStart
Standard credit card CumVreiTu ReStart
Platinum ReStart
Habitat ReStart
0,16%/month
0,8 EUR (account)
0,8 EUR (account)
4,2 LEI (account)
free of charge
free of charge *
---
* No fee is levied for loan applications initiated starting from 18.11.2013.

3. Early repayment
a. Loans with indexed interest rate (in RON or foreign currency)
free of charge
b. Loans with fixed interest rate (in RON or foreign currency)
if the period between the early repayment and the agreed
1%
date of termination of the loan agreement is more than 1 year

if the period between the early repayment and the agreed
date of termination of the loan agreement is less than 1 year
4. Other fees for the lending activity
0,5%
Provision of the loan

Line of credit renewal
Individual authorised overdraft (including summer offer AO)
Platinum
ReStart AO
Platinum ReStart
free of charge
20 RON
5 EUR/ 5 USD
free of charge
free of charge
20 RON
5 EUR/ 5 USD
free of charge
free of charge
20 RON
free of charge
free of charge
5 EUR/ 5 USD
-
Line of credit increase:

Individual authorised overdraft (including summer offer AO)
20 RON
20 RON
5 EUR/ 5 USD
-
Platinum
Platinum authorised overdraft (including Platinum with amounts
frozen in the account)
200 RON
200 RON
50 EUR
20 RON
5 EUR/ 5 USD
20 RON
200 RON
ReStart AO
Platinum ReStart AO
20 RON
200 RON
5 EUR/ 5 USD
50 EUR
20 RON
Platinum ReStart
200 RON
Single fee for additional services provided upon the

Customers request during the loan agreement
Management fee owed to FNGCIMM (National Loan
Guarantee Fund for SMEs) for Prima Casa IV mortgage

loan (purchase of completed houses or houses undergoing
construction)
Single review fee for obtaining the guarantee promise from
FNGCIMM, for Prima Casa IV
Management fee due to FNGCIMM for First Car loan
50 EUR (equivalent in the loan currency)

0,49%/year, calculated with reference to the
value of the guarantee
(i.e. 50% of the loan balance)
0,15%, from the value of the unilateral loan
promise
0,49%/year, calculated with reference to the
value of the guarantee
(i.e. 50% of the loan balance)
Evaluation cost, depending on the type of guarantee

Apartment
370 RON (equivalent in the loan currency)
House
Land
Other type of real estate

Future building initial evaluation
Future building intermediary evaluation
20

400 3.000 RON (equivalent in the loan
currency)
Future building intermediary evaluation
AEGRM registration fees:

Conditional payment order charched for refinancing exposure
from other banks (except: overdrafts, credit cards)
5. Guarantees
Drafting agreements of security in personal and real property for
authentication with the Notary Office/registration with the Land Register or
the Electronic Archive
21

According to the authorised agreed operator
20 Lei (equivalent in the loan currency)/
operation
free of charge
Savings and investments

1. Deposits
Rate/fee
RON
Foreign currency
Creation of term deposits
free of charge
free of charge
Liquidation of term deposits
free of charge
free of charge
Opening of ATUCONT/ ATUSTART/ ATUSPRINT
free of charge
free of charge
Opening of PROGRESSO
---
free of charge
Opening of Smart Cont
---
free of charge
30 RON
10 EUR/USD
---
free of charge
Opening of ATUCONT/ATUSTART/ATUSPRINT/LIBERCONT
Closing of PROGRESSO
Closing of Smart Cont

Management of ATUCONT/ATUSTART/ATUSPRINT/LIBERCONT
Management of Smart Cont
Transfer of the interest from the deposit account to the current account
Cash deposits
--free of charge
0.50% min.
0.50% min. 3 EUR
5 RON
or equiv.
0.80 EUR/month/account (equiv. in
account currency)
free of charge
free of charge
free of charge
2. Stejar (product in stock)
Premium payments
Receipts in the current account related to STEJAR operations (redemption,
compensation etc.)
free of charge
free of charge
0.50% min. 5 RON
3. BRD Simfonia (former Simfonia 1)
Opening of current account
free of charge
Subscription
free of charge
Redemption
free of charge
free of charge
Subscription
Maximum 2%
Redemption
free of charge
free of charge
Subscription
Maximum 2.5%
Redemption
free of charge
free of charge
Subscription
Maximum 2.5%
Redemption
free of charge
free of charge
Subscription
Maximum 2%
Redemption
free of charge

4. BRD Obligatiuni (former CONCERTO)

5. BRD Diverso (former Diverso Europa Regional)

6. BRD Actiuni (former Actiuni Europa Regional)

7. BRD Index ( former Index Europa Regional)
22
0.50% min. 5 RON
0.50% min. 5 RON
0.50% min. 5 RON
0.50% min. 5 RON
0.50% min. 5 RON
8. EUROFOND
free of charge
Subscription
free of charge
Redemption
free of charge
free of charge
Subscription
free of charge
Redemption
free of charge

9. BRD USD FOND

10. Operations with government securities
Subscription
0.50% min. 3 EUR
0.50% min. 3 EUR
RON
o
up to 50,000 RON
o
o
between 50,000 100,000 RON

between 100,000 500,000 RON
over 500,000 RON
1% min. 100 RON

0.75%, min. 500 RON
0.35%, min.750 RON
0.25%, min. 1,750 RON
Foreign currency
o
o
up to 10,000 equivalent in EUR

between 10,001 500,000 equivalent in EUR
over 500,000 equivalent in EUR
Pledge
Custody (RON and foreign currency)
11. Operations related to SGAM Fund investment funds
1% min. 10 EUR
0.75% min. 100 EUR
0.50% min. 3,750 EUR
24.8 RON/operation (VAT included)
free of charge
Subscription to equity sub-funds

o
o
5,000 9,999 EUR (or equivalent)

over 50,000 EUR (or equivalent)
3%
2.50%
2%
Subscription to bond sub-funds
23
o
o

peste 50,000 EUR (or equivalent)
2%
1.50%
1%
Redemption/collection of redemption in the current account

Conversion
Issue of subscription, redemption, conversion notice
free of charge
Issue of history/account statement
free of charge
free of charge
free of charge
Insurance
Rate/fee
1. Confort insurance
Confort insurance attached to debit cards

o the insured is the card account holder or an authorised holder, other than the
spouse
o the insured is the authorised holder (spouse)

o within the product packages of CLASIC, SELECT, SPRINT, STUDENT and
DRUM BUN for holders cards
Confort Online insurance for the holder of the e-Payment card included in the eCLICK package
Annual insurance premium:

7 USD/year (or equiv. in RON for
cards in RON)
7 EUR/year (for cards in EUR)
5 USD/an (or equiv. in RON for cards
in RON)
5 USD/5 EUR
(or equiv. in RON for cards in RON)
7 USD/year equivalent in RON
Confort insurance attached to the PLATINUM card

o the insured is the card account holder or an authorised holder, other than the
spouse
o the insured is the authorised holder (spouse)

equiv. in RON of 8 USD/year (for
cards in RON)
equiv. in RON of 6 USD/year (for
cards in RON)
2. BRDAV life insurance attached to loans
Unsecured consumer loans (multi-purpose personal loans, loans for studies, for
medical purposes, for real estate investment, rescheduling and refinancing)
o Standard case
o Specific quotation case affirmative answer to questions 2a, 2c or 3 of the
Medical Questionnaire
o Specific quotation case affirmative answer to question 5 of the Medical
Questionnaire physical, locomotive or sensory disability (excluding mental

disabilities)
Car loans
CumVreiTu and Platinum credit card
Individual AO for individuals (except Platinum)
Platinum AO for individuals
Loans for mortgage secured real estate investment (real estate, mortgage, bridge,
rescheduling and refinancing) standard case
Mortgage secured consumer loans (multi-purpose personal loans, loans for

studies, for medical purposes)
3. Groupama fully comprehensive car insurance
24
Premium rate: 0.090%/month

(applied to the loan balance as at the
time of payment)
time of payment)
time of payment)
Premium rate: 0.14%/month (applied
to the loan balance as at the time of
payment)
(applied to the value of the used line
of credit)
of credit)
of credit)
time of payment)
No deductible
3.95%/year
With deductible
3.40%/year
Duster
4.75%/year
4.30%/year
Renault and Nissan
5.30%/year
4.55%/year
Foreign production, including Daewoo
5.95%/year
5.10%/year
Logan/Sandero
Motorbikes < 250 cc (including motor-scooters)

Motorbikes 250 cc
7.00%/year
4. Omniasig fully comprehensive car insurance
8.60%/year
New cars
No deductible
Dacia (Logan, Sandero, Duster)

Foreign production, including Daewoo
Romanian production
Logan, Sandero, Duster
Foreign production
5 Groupama fire insurance
Buildings with housing purpose:

o Real estate built after 1941
o Real estate built before 1940 (inclusive)
25
3.50%/year
With 2%
deductible
2.80%/year
4.55%/year
3.45%/year
Used cards
No deductible
With deductible
3.20%/year
3.00%/year
-
5.00%/year
5.30%/year
5.10%/year
With PAD deductible
0.09%/year
0.13%/year
Miscellaneous
services
Rate/fee
1. Payment incidents
Inquiry of the Payment Incidents Register (CIP) database upon the
Customers request
o for each application sent through the headquarters
o for each application sent through the subunits
2. Garnishments
Management of garnishments 1
6 RON + VAT
7 RON + VAT
20 RON/garnishment notice
(equivalent in the account currency)
3. Letters of good standing (recommendation)/solvency certificates
Issue of letter of good standing (recommendation)

Issue of solvency certificate (for ANL mortgage loans)
4. Rental of safe deposit boxes
o Type 1 box
o Type 2 box
10.42 EUR (in RON equivalent) - VAT

included
41.66 EUR (in RON equivalent) - VAT
included
1.50%/year, min. 44.4 RON /month +VAT
1.50%/year, min.56.5 RON /month +VAT
Type 3 box
o
o
Type 4 box
Type 5 box
1.50%/year, min. 80.7 RON /month +VAT)

o
o
Type 6 box
Type 7 box
o Type 8 box
5. Messages sent
Post:
Special courier
Registered letter
As per DHL charges + VAT

As per postal charges + VAT
6. Currency exchange
Currency exchange operations
free of charge
7. Other services
Cash payment of bills from ORANGE/ Telekom Romania /
VODAFONE/ Telekom Romania Mobile / E.ON Energie Romania,

Eon Gaz Distributie, Eon Moldova Distributie, Eon Servicii Tehnice,
SEA Complet / GDF Suez Energy Romania/ APA NOVA
BUCURESTI/ CEZ VANZARE/ BRD FINANCE/ ALLIANZ
TIRIAC/CEZ Distributie/UPC Romania
Cash payment of bills from SC Electrica Furnizare SA 24

Check of authenticity of bank notes (RON, foreign currency) upon the
Customers request
Receipt and conservation of valuable objects and securities

Succession (also applicable to ATUCONT/ ATUSTART/ ATUSPRINT/
PROGRESSO/ Smart Cont)
Issue of bank forms

Issue of copies of bank documents and forms, upon the Customers
request (also charged for the issue of certificates)
1
2
free of charge
2 RON / operatiune
1 EUR/bank note (in RON equivalent)
1%/ year,
min. 25.00 EUR/month + VAT
1% max. 100 EUR/100 USD/450 RON
free of charge
1 EUR/ page
(in RON equivalent) + VAT
It is automatically charged at the time of setting the garnishment address. The charged fee may not exceed the amount of the garnishment.
Commission valid begining with 08.12.2014
26
Appendix no. 1
BRD INTERNAL TIME LIMITS FOR THE RECEIPT OF PAYMENT
ORDERS FOR THE PURPOSE OF EXECUTION
Domestic payments 1
Payment orders
Time limit for the receipt of the
payment order
Date of registration in
the paying Customers
account
Date of crediting of the

beneficiary Customers
account
no later than 11:00
11:00 end of working hours
T+1
no later than 13:00
T+1
no later than 13:00
T+1
as per the working hours of the Banks

units
Interbanking
low value *
(value 49,999.99 RON)
high value *
(value 50,000.00 RON)
Emergency *
(regardless of the value)
Intrabanking
* made to a commercial bank participanting in the national payment system or to the State budget
Note:
T is the date of receipt of the payment order by the Bank.
The information above is valid for both payment orders on paper and payment orders made through remote banking
channels.
Foreign payments 2
Payment orders on paper

Time limit for the receipt of the
payment instruction
Date of execution
Foreign currency
date
Interbanking: Normal settlement

EUR/RON*
no later than 13:30
T+1
EUR/RON*
T+1
T+2
AUD/CAD/CHF/DKK/PLN/CZK/
GBP/JPY/NOK/SEK/HUF/USD
no later than 13:30
T+2
GBP/JPY/NOK/SEK/HUF/USD
T+1
T+3
EUR/USD/GBP/RON*
no later than 11:30
EUR/USD/GBP/RON*
T+1
JPY/NOK/SEK/HUF
no later than 13:30
T+2
JPY/NOK/SEK/HUF
T+3
16:30
Internal time limit for the receipt
Date of execution
Foreign currency date
Deposits in RON/foreign
currency

units
Withdrawals in
RON/foreign currency

units
Interbanking: Emergency
Intrabanking:
All foreign currencies
* it applies only to transfers in RON to payees holding accounts opened with banks abroad
Note:
T is the date of receipt of the operation by the Bank.
Cash operations
Cash operations
Note:
1
2
T is the date of receipt of the operation by the Bank.
Domestic payments are payment operations in RON performed across Romania

Foreign payments are payment operations in foreign currency (performed abroad or across Romania), and payment operations in RON performed abroad
27

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Current operations

II. Payment methods

III. Bank cards

1. Services for cards

Savings and investment

1. Deposits and savings accounts

I. Opening and managing current accounts

Managing current accounts

With an attached card/without an attached card

4.20 RON /month/account (equiv. in

With an attached card under the agreements:

- Beneficii Plus Standard

4.20 RON /month/account (equiv. in the

- Standard Offer Managers

- Standard Offer Employees

Managing the BRD Piete de Capital account

1. The holder has at least one current account with BRD

2. The holder does not have a current account with BRD

4.20 RON /month/account (equiv. in the

Submission of the monthly statement of account 1

o The first statement of account, for the previous month

1 EUR (equiv. in the account currency)

o For a period of maximum 3 months (in relation to the current date)

3 EUR/account (equiv. in the account

Adding a new proxy

Provision of information on the current account balance, including accounts with

o ATMs of other banks in Romania and abroad

1 EUR (equiv. in the account currency)

Provision of information on the current account balance for Platinum

Provision of information on the current account balance 3 for Platinum

Provision of information on the current account balance 33 for Platinum

Provision of MyBRD SMS mini-statement

0.9 RON (equiv. in the account

Postage and telecommunications fee for the Mobility of current accounts

5. Product and service packages

CLASIC package (including the Loial option)

Product package management 5

15 EUR (equiv. in the package

Product package closure 6

Product package management 5

Product package closure 6

Product package management

25 EUR (equiv. in the package

30 EUR (equiv. in the package

SPRINT package/STUDENT package

Product package management

DRUM BUN package

Product package management

Product package closure 6

Product package management

Product package closure 6

Product package management

10 EUR (equiv. in the package

Product package closure 6

Confort insurance premium for the package holder card

5 EUR/USD/year (in RON equiv.)

Issue of cards included in the packages

Operations that are free of charge/month 8 related to the packages:

Other discounts related to the packages:

II. Payment methods

0.50%, min. 3 EUR

Receipts from the accounts of the same Customer

Payments at the counter*