Terms and Conditions for Transfers to and from Denmark and Transfers in Foreign Currency in Denmark – Consumers - Effective from 1 March 2021

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This is a translation of an original document in the Danish language. In case of discrepancies, the Danish version prevails.

Terms and conditions for transfers to and from Denmark and transfers in foreign currency in Denmark – Consumers - Effective from 1 March 2021

Contents Major currencies if the transfer fulfil one of the following Major currencies are currencies for which daily points: General information 1 rates are set. Rates are fixed at 2.00pm (CET) on • is in a major currency and reaches us Specific information about foreign 3 business days. after 1.45pm CET transfers to abroad • exceeds an equivalent value of DKK 3 Specific information about transfers 4 Exchange rates million from abroad Danske Bank’s quoted exchange rates are • is in currency for which we do not quote Transfers to abroad and transfers in available at www.danskebank.dk (website daily exchange rates. foreign currency within Denmark 5 available in Danish only) and at our branches. Transfers through Danske eBanking - 5 Rates are subject to change without notice. For transfers with future execution date we use a Consumer quoted exchange rate. Transfers through branch or by letter 7 Exchange rate For transfers created via Business Online it is Fees for notification, additional 9 We use two principles when setting exchange always possible actively to choose a market rate. processing of transfers and other rates on transfers which are exchanged and services executed on the same day: EU/EEA countries Transfers by cheque from Denmark 10 The EU countries and Norway, Iceland and Transfers from abroad and transfers in • Quoted exchange rates are rates that Lichtenstein. foreign currency within Denmark 11 Danske Bank fixes for major currencies on Prices for other services – transfers 12 business days. We settle a transfer at IBAN from abroad quoted rates on the same day we receive the International Bank Account Number (IBAN), is an Transfers by cheque from abroad 13 order, if it fulfil all of the following points: international code set for each account. The IBAN Changes to terms and conditions 14 • reach us before 1.45pm CET on a standard allows banks to speed up transfers via the banking systems. An IBAN contains business day • is denominated in a major currency information about the payee’s account General • the equivalent value does not exceed number and the bank of the account. The These terms and conditions apply to all accounts DKK 3 million combination of account number and bank is when you: unique. • transfers funds from Denmark • Market rates are exchange rates that • receives funds from abroad Danske Bank fixes throughout on business We recommend using IBAN for transfers to • transfers and receives funds in foreign days and at which currencies are traded. We countries using the IBAN standard. IBAN must currency within Denmark settle at market rates when we execute the be used for transfers in EUR, sent within EU or order for transfers to and from Denmark, EEA countries (Norway, Iceland and Liechtenstein). Also, if you send BGN to Bulgaria or PLN to Poland, IBAN must be stated.

Terms and conditions for transfers to and from Denmark and transfers Page 1 / 14 Danske Bank, Holmens Kanal 2-12, DK-1092 København K in foreign currency in Denmark 2021.03.01 Tel. +45 33 44 00 00, Fax +45 70 12 10 80

SWIFT/BIC Correspondent bank • Payer and payee share costs (Share/SHA) SWIFT is short for Society for Worldwide For standard and express transfers, the This option can be used for all types of Interbank Financial Telecommunication. SWIFT is correspondent bank is not necessarily the payee’s transfer. According to the Payment Services a network for exchanging transfer data between bank. In some cases, we use selected Act, this method must be used for transfers more than 10,000 financial institutions. correspondent banks and international clearing in any currency sent within EU/EEA. BIC is short for Bank Identifier Code and is an systems for executing transfers. international standard for bank identification. The When the payer and the payee share the costs for transfers in EUR within the EU/EEA code BIC Danske Bank Denmark is: DABADKKK. Whenever we choose to transfer amounts area, transfers are governed by EU through a correspondent bank, the correspondent regulations. These regulations state that bank may in some cases deduct a fee before transfer charges must not exceed those of a Requirements of US authorities sending the transfer to the payee’s bank. If you similar domestic transfer. The payee’s IBAN When you transfer funds abroad, you should want to ensure that a specific amount reaches and SWIFT/BIC must be stated correctly. know that payment details may be passed on to the payee, the best way to ensure this is to US authorities and restrictions may apply. It is choose the “Payer pays all costs (OUR)” allocation • Payer pays all costs (OUR) your responsibility to comply with such method. However, even though a transfer is sent If your transfer is sent to a country outside restrictions. Compliance may result in additional with charge code “OUR”, it cannot be guaranteed EU/EEA you can choose to pay all cost. This costs. SWIFT is obliged to disclose information if in all markets that a specific amount reaches the option is subject to our standard fees plus an US authorities suspect funding of criminal payee. activities or acts of terrorism as defined in US additional fee of DKK 200. If the fees legislation. charged by the payee’s bank exceed the When we have chosen the correspondent bank additional DKK 200, we will charge the extra we of course assume the liability for the solidity Payee’s bank costs to your account. This option cannot be of this bank. We also assume liability for errors, if You should always state the receiving bank by used for transfers (any currency) within the correspondent bank admits such error or if using a SWIFT/BIC. You may also state an IBAN. EU/EEA area according to the Payment the error is determined by a final judgement. If you provide an IBAN number, we reserve the Services Act. right to identify the receiving bank directly from In other cases we are not liable for any errors this number. We cannot be held liable if the IBAN • Payee pays all costs (BEN) made by the correspondent bank nor for its specified by you is not the payee’s IBAN. If you use the cost code BEN we will subtract solvency, just as our liability terminates once the If you state both an IBAN and the SWIFT/BIC our fee from the transferred amount. This transferred amount is credited to the payees information, and if these information do not match, option cannot be used for transfers (any account. then IBAN prevails and we will use that, when we currency) within EU/EEA area according to decide what to bank we transfer the funds. the Payment Services Act. Allocation of costs The costs of transferring funds can be divided between the payer and the payee in three ways:

Terms and conditions for transfers to and from Denmark and transfers Page 2 / 14 Danske Bank, Holmens Kanal 2-12, DK-1092 København K in foreign currency in Denmark 2021.03.01 Tel. +45 33 44 00 00, Fax +45 70 12 10 80

Specific information about transfers Tourist transfer. This type of transfer allows you Cut-off time for submission of orders to abroad to transfer funds for cash disbursement at We consider an order as received if you submit it another bank – for example, if the payee has lost before the stated cut-off time on business days. If Transfer types his or her credit card while on holiday. The payee you submit an order after the cut-off time, we will We offer several types of transfer to abroad: must present a passport or other proof of consider the order as received on the following identification to withdraw the funds. Therefore, business day. • Standard transfer. This is the most simple you need to state the payee’s passport number and common type of transfer. or other proof of identification. Value day(s) for payer You cannot choose all transfer types directly, but The number of business days passing before a • Intra-Danske Bank standard transfer. This we will always make the best possible transfer transfer is value-dated in the payer’s account. transfer type is used if the payee holds an for you. account within the Danske Bank Group. Transfer with currency conversion A standard transfer meeting the requirements A transfer involves currency conversion if funds • Transfer under EU regulations. This is a for a transfer under EU regulations will are transferred in a currency other than that of transfer in EUR. Currency conversion can be consequently be executed as such a transfer. A the payer’s account. made before the actual transfer or on receipt standard transfer to another Danske Bank if the payee’s account is denominated in a customer will automatically be executed as an Transfer with no currency conversion currency other than EUR. Intra-Danske Bank transfer. A transfer involves no currency conversion if • The transfer must be within the EU/EEA funds are transferred in the same currency as countries (Norway, Iceland and Execution time that of the payer’s account. Liechtenstein). This is the time, in business days, from when we • The payer’s and the payee’s banks must receive an order until the funds are available to be able to process the transfer without the payee’s bank. manual handling. This is ensured by the use of correct SWIFT/BIC and IBAN If your transfer requires the assistance of a information. correspondent bank, or if you choose to use a • The payer and the payee share the correspondent bank, the execution time will be costs. the time from when we receive your order until the funds are available to the correspondent • Express transfer. This is a type of transfer bank. which allows you at an extra fee to transfer funds faster than with a standard transfer. If you send your order on paper or use a branch, we may use an additional day to process the • Internal transfer – own accounts. Used to transfer, see move funds between your own accounts “Transfers through branch or by letter” table. placed within Danske Bank. The orders cannot be sent via e-mail.

Terms and conditions for transfers to and from Denmark and transfers Page 3 / 14 Danske Bank, Holmens Kanal 2-12, DK-1092 København K in foreign currency in Denmark 2021.03.01 Tel. +45 33 44 00 00, Fax +45 70 12 10 80

Specific information about transfers from abroad

Cut-off time for receipt of transfers We settle transfers on the same business day if we receive them before the cut-off time.

Value day(s) for payee The number of business days before a transfer is value-dated in the payee’s account.

Currency conversion Currency conversion is automatically made for funds received in a currency other than that of the payee’s account.

Fees Unless otherwise agreed, we will deduct fees payable from the funds received from abroad.

Terms and conditions for transfers to and from Denmark and transfers in Page 4 / 14 Danske Bank, Holmens Kanal 2-12, DK-1092 København K foreign currency in Denmark 2021.03.01 Tel. +45 33 44 00 00, Fax +45 70 12 10 80

Outgoing transfers in EUR

Transfers through Danske eBanking Transfer type Currency Validation Validation on Fee in Time limit in local time Additional information on your receiving bank DKK (CET) account Transfer within Danske Bank Group: *Cut-offs applies Danske Bank EU-regulation: entities in Denmark, Finland, Ireland, Standard transfer (with and without **EUR Day 0 Day 0 0.00 5.30pm* Day 0 London, Luxembourg, Northern conversion) Ireland, Norway, Poland, Germany and Sweden. Transfer to other Group transfer (with and without Danske Bank entities the cut-off time conversion) in Denmark, Finland, Ireland, is 3.30pm CET **EUR Day 0 Day 0 0.00 6.30pm Day 0 London, Luxembourg, Northern Ireland, Norway, Poland, Germany and Sweden **Applies only for transfers with conversion made with one of the Group transfer (with and without following currencies: ***EUR Day 0 Day 0 0.00 3.30pm Day 0 conversion) in Lithuania BGN, CHF, CZK, DKK, EUR, GBP, HRK, HUF, ISK, NOK, PLN, RON, SEK Express transfers (with and without EUR Day 0 Day 0 400.00 3.30pm Day 0 conversion) ***Terms for “Group transfer” to Internal transfer Own account (with and other banks apply, yet the fee is DKK EUR Day 0 Day 0 0.00 6.30pm Day 0 without conversion) 0.00

Transfer to other banks: EU-regulation: SEPA same day (with and without **EUR Day 0 Day 0 0/5***** 2.00pm Day 0 ****Currently SEPA same day is conversion) **** invoiced as SEPA standard transfer SEPA standard transfer (with and without **EUR Day 0 Day 1 0/5***** 5.30pm Day 0 conversion) ***** For private customers without

SEPA Instant transfer (without conversion) ******EUR Day 0 Day 0 0/5***** 5.30pm Day 0 a package n

av SEPA standard transfer (with and without EUR Day 0 Day 0 50.00 2.00pm Day 0 (Hverdag/Hverdag+/Private Banking conversion) to Switzerland EUR Day 0 Day 2 50.00 5.30pm Day 0 Access or Elite benh Non SEPA Standard transfer inside Kø

- **EUR Day 0 Day 1 0.00 5.30pm Day 0 EU/EEA (with and without conversion) ****** Amount not to exceed 28 Non SEPA Standard transfer outside EUR 100.000

62 EUR Day 0 Day 2 50.00 5.30pm Day 0

EU/EEA (with and without conversion) 12 Express transfers (with and without 61

EUR Day 0 Day 0 400.00 3.30pm Day 0 conversion) nr. - Group transfer (with and without VR EUR Day 0 Day 0 200.00 3.30pm Day 0 C conversion) S. SEPA Direct Debit (with and without A/

k EUR Day 0 Day 0 20.00 n conversion) a B

e sk n Da Terms and conditions for transfers to and from Denmark and transfers in Page 5 / 14 Danske Bank, Holmens Kanal 2-12, DK-1092 København K foreign currency in Denmark 2021.03.01 Tel. +45 33 44 00 00, Fax +45 70 12 10 80

Outgoing transfers in other currencies

Group transfer (with and without **Applies only for transfers with conversion) in Denmark, Finland, conversion made with one of the Ireland, London, Luxembourg, All currencies Day 0 Day 0 0.00 6.30pm Day 0 following currencies: Northern Ireland, Norway, Poland, BGN, CHF, CZK, DKK, EUR, GBP, Germany and Sweden HRK, HUF, ISK, NOK, PLN, RON, SEK Group transfer (with and without ***All currencies Day 0 Day 0 0.00 3.30pm**** Day 0 conversion) in Lithuania ***Terms for “Group transfer” to Express transfers (with and without other banks apply, yet the fee is DKK All currencies Day 0 Day 0 400.00 3.30pm Day 0 conversion) 0.00 Internal transfer Own account (with All currencies Day 0 Day 0 0.00 6.30pm Day 0 and without conversion) ****For transfer to other Danske Transfer to other banks: Bank entities the cut-off time for DKK, EUR, GBP, NOK, SEK is Standard transfer (with and All currencies Day 0 Day 2 50.00 5.30pm Day 0 3.30pm CET and for BGN, HRK, ISK, without conversion) PLN, RON 12.00pm CET and for DKK, GBP, NOK, SEK, CHF, CZK, HUF is 1.00pm CET. Day 0 Day 0 400.00 3.30pm Day 0 USD

n Express transfers (with and without BGN, HRK, ISK, PLN, av Day 0 Day 0 400.00 12.00pm Day 0 conversion) RON benh CHF, CZK, HUF Day 0 Day 0 400.00 1.00pm Day 0 Kø

- Other currencies 28 Day 1 Day 1 400.00 3.30pm Day 0

62 DKK, GBP, NOK, SEK, 12

Day 0 Day 0 200.00 3.30pm Day 0 USD 61 BGN, HRK, ISK, PLN, nr.

- Group transfer (with and without RON Day 0 Day 0 200.00 12.00pm Day 0 VR conversion) C CHF, CZK, HUF S. Day 0 Day 0 200.00 1.00pm Day 0 A/ k Other currencies n Day 1 Day 1 200.00 3.30pm Day 0 a B e sk n Da

Terms and conditions for transfers to and from Denmark and transfers in Page 6 / 14 Danske Bank, Holmens Kanal 2-12, DK-1092 København K foreign currency in Denmark 2021.03.01 Tel. +45 33 44 00 00, Fax +45 70 12 10 80

Outgoing transfers in EUR

Transfers through branch or by letter We may use a day more to process the transfer than specified in the below table. Transfer type Currency Validation on Validation on Fee in Time limit in local time Additional information your account receiving bank DKK (CET) Transfer within Danske Bank Group: *Cut-offs applies Danske Bank EU-regulation: entities in Denmark, Finland, Ireland, Standard transfer (with and without **EUR Day 0 Day 0 40.00 5.30pm* Day 0 London, Luxembourg, Northern conversion) Ireland, Norway, Poland, Germany and Sweden. Transfer to other Group transfer (with and without Danske Bank entities the cut-off time conversion) in Denmark, Finland, Ireland, is 3.30pm CET London, Luxembourg, Northern Ireland, **EUR Day 0 Day 0 250.00 6.30pm Day 0 Norway, Poland, Germany and Sweden **Applies only for transfers with conversion made with one of the Group transfer (with and without following currencies: conversion) in Lithuania EUR Day 0 Day 0 250.00 3.30pm Day 0 BGN, CHF, CZK, DKK, EUR, GBP, Express transfers (with and without HRK, HUF, ISK, NOK, PLN, RON, SEK conversion) EUR Day 0 Day 0 650.00 3.30pm Day 0

Internal transfer Own account (with and EUR Day 0 Day 0 250.00 6.30pm Day 0 without conversion)

Transfer to other banks: EU-regulation: ***Currently SEPA same day is SEPA same day (with and without **EUR Day 0 Day 0 40.00 2.00pm Day 0 invoiced as SEPA standard transfer conversion) *** SEPA standard transfer (with and without **EUR Day 0 Day 1 40.00 5.30pm Day 0 conversion) SEPA Instant transfer (without conversion) ****EUR Day 0 Day 0 40.00 5.30pm Day 0 **** Amount not to exceed EUR 100.000 SEPA standard transfer (with and without EUR Day 0 Day 0 300.00 2.00pm Day 0 conversion) to Switzerland EUR Day 0 Day 2 300.00 5.30pm Day 0 Non SEPA Standard transfer inside **EUR Day 0 Day 1 40.00 5.30pm Day 0 EU/EEA (with and without conversion) Non SEPA Standard transfer outside EUR Day 0 Day 2 300.00 5.30pm Day 0 EU/EEA (with and without conversion) Express transfers (with and without EUR Day 0 Day 0 650.00 3.30pm Day 0 conversion) Group transfer (with and without EUR Day 0 Day 0 450.00 3.30pm Day 0 conversion) Tourist transfer (with and without Equivalent value may not exceed DKK EUR Day 0 Day 0 300.00 3.30pm Day 0 conversion) 20.000 SEPA Direct Debit (with and without EUR Day 0 Day 0 20.00 conversion) Terms and conditions for transfers to and from Denmark and transfers in Page 7 / 14 Danske Bank, Holmens Kanal 2-12, DK-1092 København K foreign currency in Denmark 2021.03.01 Tel. +45 33 44 00 00, Fax +45 70 12 10 80

Outgoing transfers in other currencies Transfers through branch or by letter We may use a day more to process the transfer than specified in the below table Transfer type Currency Validation Validation on Fee in Time limit in local time Additional information on your receiving bank DKK (CET) account Transfer within Danske Bank Group: *Cut-offs applies Danske Bank **BGN, CHF, CZK, entities in Denmark, Finland, Ireland, DKK, GBP, HRK, London, Luxembourg, Northern Standard transfer (with and HUF, ISK, NOK, PLN, Day 0 Day 0 300.00 5.30pm* Day 0 Ireland, Norway, Poland, Germany without conversion) RON, SEK and Sweden. Transfer to other Other currencies Danske Bank entities the cut-off time Day 0 Day 2 300.00 5.30pm* Day 0 is 3.30pm CET Group transfer (with and without conversion) in Denmark, Finland, **Applies only for transfers with Ireland, London, Luxembourg, All currencies Day 0 Day 0 250.00 6.30pm Day 0 conversion made with one of the Northern Ireland, Norway, Poland, following currencies: Germany and Sweden BGN, CHF, CZK, DKK, EUR, GBP, Group transfer (with and without HRK, HUF, ISK, NOK, PLN, RON, SEK All currencies Day 0 Day 0 250.00 3.30pm*** Day 0 conversion) in Lithuania Express transfers (with and without All currencies Day 0 Day 0 650.00 3.30pm Day 0 conversion) ***For transfer to other Danske Internal transfer Own account (with Bank entities the cut-off time for All currencies Day 0 Day 0 250.00 6.30pm Day 0 and without conversion) DKK, EUR, GBP, NOK, SEK is Transfer to other banks: 3.30pm CET and for BGN, HRK, ISK, PLN, RON 12.00pm CET and for Standard transfer (with and All currencies Day 0 Day 2 300.00 5.30pm Day 0 CHF, CZK, HUF 1.00pm CET. without conversion) DKK, GBP, NOK, SEK, USD Day 0 Day 0 650.00 3.30pm Day 0 BGN, HRK, ISK, PLN, Express transfers (with and without RON Day 0 Day 0 650.00 12.00pm Day 0 conversion) CHF, CZK, HUF Day 0 Day 0 650.00 1.00pm Day 0 Other currencies Day 1 Day 1 650.00 3.30pm Day 0 DKK, GBP, NOK, SEK, Day 0 Day 0 450.00 3.30pm Day 0 Group transfer (with and without USD conversion) BGN, HRK, ISK, PLN, RON Day 0 Day 0 450.00 12.00pm Day 0

CHF, CZK, HUF Day 0 Day 0 450.00 1.00pm Day 0

Other currencies Day 1 Day 1 450.00 3.30pm Day 0 Tourist transfer (with and without Equivalent value may not exceed DKK All currencies conversion) Day 0 Day 0 300.00 3.30pm Day 0 20.000

Terms and conditions for transfers to and from Denmark and transfers in Page 8 / 14 Danske Bank, Holmens Kanal 2-12, DK-1092 København K foreign currency in Denmark 2021.03.01 Tel. +45 33 44 00 00, Fax +45 70 12 10 80

Outgoing transfers in EUR and transfers in other currencies

Fees for notification, additional processing of transfers and other services The table below shows our fees for notification and additional processing of transfers and other services. Additional processing is required if the SWIFT/BIC information is incorrect, if the IBAN is missing or incorrect or if the transfer order includes a message for us. We may also charge a fee for assistance to recover funds transferred to an account by mistake because you stated a wrong IBAN.

Notification In Danske eBanking If you contact us in another way Advice through Danske eBanking and/or e-Boks to payer DKK 0 DKK 0 Advice by letter to payer if payer does not use Danske eBanking and/or e-Boks DKK 0 DKK 0 Advice by letter to payer if payer can receive advice through Danske eBanking and/or e-Boks DKK 20 DKK 20 Advice of sender by e-mail when outgoing foreign transfers are to be confirmed DKK 300 DKK 300

Transfers requiring additional processing Additional fee in Danske eBanking Transfers requiring additional processing is necessary if there is a missing/incorrect SWIFT/BIC, missing/incorrect IBAN, or if there is a message for us in the transfer. The fee is an additional fee DKK 150 and will be deducted along with the fee for the transfer.

Additional fees In Danske eBanking If you contact us in another Costs incurred by payee’s bank Minimum DKK 200 Minimum DKK 200

Other services In Danske eBanking If you contact n

av us in another

benh Assistance to revoke, resend, modify, enquire about and return transfers (per transfer) plus any costs Kø

- to the sending bank. Transfers between 0 6 months old DKK 375 – DKK 375 28 Assistance to revoke, resend, modify, enquire about and return transfers (per transfer) plus any costs 62 to the sending bank. Transfers 6 months old or older DKK 800 DKK 800 12

61 Assistance to fill out order forms – Hourly rate, min. DKK 100 nr. - Standing order in EUR – DKK 0 VR C

S. Standing order in other currencies – DKK 50 A/ k n a B e sk n Da

Terms and conditions for transfers to and from Denmark and transfers in Page 9 / 14 Danske Bank, Holmens Kanal 2-12, DK-1092 København K foreign currency in Denmark 2021.03.01 Tel. +45 33 44 00 00, Fax +45 70 12 10 80

Outgoing transfers in EUR and transfers in other currencies

Transfers by cheque from Denmark

If you want to transfer funds from Denmark by cheque, you can order a cheque in Danske eBanking or fill out a form available at www.danskebank.dk (website available in Danish only).

The cut-off time specified in the table below refers to the cut-off time for ordering a cheque in Danske eBanking or for handing in the form at your branch if you want us to process the order on the same business day.

You may choose to collect the cheque at your branch (not an option in Danske eBanking) have the cheque sent to your home address have the cheque sent to the payee.

Ask your adviser whether your branch can print foreign cheques.

Danske Bank cannot be held liable for any mistakes, omissions or delays made by the bank paying the cheque.

Standard terms and fees for transfers by cheque from Currency Cut-off Value Ordered in Ordered from the Denmark time day for Danske Bank in another Cheque to payer – sent on the business day after receipt of All currencies 1.45pm 1 DKK 200 DKK 400 Cheque to payee – sent on the business day after receipt of All currencies 1.45pm 1 DKK 200 DKK 400 Cheque for collection – to be collected at the Bank after 3.00pm All currencies 1.45pm 0 – DKK 450 n av

benh Other cheque services Fee Kø

28 Assistance to fill out order forms Hourly rate, minimum DKK

62 Stopping of cheque 1) DKK 300 12

61 Copy of cheque 1) DKK 150 nr. - VR

C Return of cheque from payee DKK 100

A/ Repurchase of cheque DKK 125 k n a 1) Plus any costs incurred by the payee’s bank. B e sk n Da

Terms and conditions for transfers to and from Denmark and transfers in Page 10 / 14 Danske Bank, Holmens Kanal 2-12, DK-1092 København K foreign currency in Denmark 2021.03.01 Tel. +45 33 44 00 00, Fax +45 70 12 10 80

Incoming transfers in EUR

Transfers from abroad

Transfer type Currency Validation on Validation on Fee in Time limit in local time Additional information your account receiving bank DKK (CET)

Transfer within Danske Bank Group: *Applies only for EU-regulation: transfers with conversion, if the Standard transfer (with and without *EUR Day 0 Day 0 0.00 6.15pm Day 0 conversion occurs with conversion) one of the following Group transfer (with and without currencies: EUR Day 0 Day 0 0.00 7.15pm Day 0 conversion) BGN, CHF, CZK, DKK, EUR, GBP, HRK, HUF, Transfer from other banks: ISK, NOK, PLN, RON, EU-regulation: SEK Standard transfer (with and without *EUR Day 0 Day 0 0.00 1.45pm Day 0 conversion) ** ** Transfer received from SEPA Instant transfer (without conversion) EUR Day 0 Day 0 0.00 24/7/365 Day 0 Switzerland fee is DKK 50.00 Standard transfer from outside EU/EEA *EUR Day 0 Day 0 50.00 1.45pm Day 0 (with and without conversion) Group transfer from EU/EEA (with and EUR Day 0 Day 0 0.00 1.45pm Day 0 without conversion)

Group transfer from outside EU/EEA and EUR Day 0 Day 0 100, 00 1.45pm Day 0

n Denmark (with and without conversation) av SEPA Direct Debit (with and without

benh EUR Day 0 Day 0 0.00 12.00am Day -1 conversion) Kø

61 nr. - VR C

S. A/

k n a B e sk n Da

Terms and conditions for transfers to and from Denmark and transfers Page 11 / 14 Danske Bank, Holmens Kanal 2-12, DK-1092 København K in foreign currency in Denmark 2021.03.01 Tel. +45 33 44 00 00, Fax +45 70 12 10 80

Incoming transfers in other currencies

Transfers from abroad

Transfer type Currency Validation on Validation on Fee in Time limit in local time Additional information your account receiving bank DKK (CET)

Transfer within Danske Bank Group: *Applies only for *BGN, CHF, CZK, transfers with Standard transfer (with and without DKK, GBP, HRK, conversion, if the Day 0 Day 0 50.00 6.15pm Day 0 conversion) HUF, ISK, NOK, PLN, conversion occurs with RON, SEK one of the following currencies: Standard transfer (without conversion) Other currencies Day 0 Day 0 50.00 6.15pm Day 0 BGN, CHF, CZK, DKK, Standard transfer (with conversion) Other currencies Day 1 Day 0 50.00 6.15 pm Day 0 EUR, GBP, HRK, HUF, ISK, NOK, PLN, RON, Group transfer (with and without All currencies Day 0 Day 0 0.00 7.15pm Day 0 SEK conversion) Transfer from other banks: *BGN, CHF, CZK, Standard transfer (with and without GBP, HRK, HUF, ISK, Day 0 Day 0 50.00 1.45pm Day 0 conversion) NOK, PLN, RON, SEK

*DKK Day 0 Day 0 50.00 4.00pm Day 0 Standard transfer (without conversion) Other currencies Day 0 Day 0 50.00 1.45pm Day 0 Standard transfer (with conversion) Other currencies Day 1 Day 0 50.00 1.45pm Day 0 GBP, NOK, SEK, BGN, CHF, CZK, Day 0 Day 0 100.00 1.45pm Day 0 Group transfer (with and without HRK, HUF, ISK, PLN, conversion) RON, USD DKK Day 0 Day 0 100.00 4.00pm Day 0 Group transfer (without conversion) Other currencies Day 0 Day 0 100.00 1.45pm Day -1 Group transfer (with conversion) Other currencies Day 0 Day 0 100.00 1.45pm Day -2

Terms and conditions for transfers to and from Denmark and transfers Page 12 / 14 Danske Bank, Holmens Kanal 2-12, DK-1092 København K in foreign currency in Denmark 2021.03.01 Tel. +45 33 44 00 00, Fax +45 70 12 10 80

Incoming transfers in EUR and transfers in other currencies

Other services The table below shows our fees for notification and additional processing of transfers and other services.

Other services Fee Additional processing by Danske Bank DKK 0 Advice by telephone DKK 50 Information obtained from payer’s bank (plus any costs incurred by payer’s bank). Transfers between 0 – 6 months old DKK 375 Information obtained from payer’s bank (plus any costs incurred by payer’s bank). Transfers 6 months old or older DKK 800 Advice through Danske eBanking to payee DKK 0 Advice by letter to payee if payee does not use Danske eBanking DKK 0 Advice by letter to payee if payee can receive advice through Danske eBanking DKK 20

Transfers by cheque to Denmark When you receive a cheque from abroad, we will deposit the amount in your account, provided that we receive the funds from the non-Danish bank. Therefore, please note that we will withdraw the amount, any interest, costs incurred outside Denmark and return fees from your account if we do not receive the funds or if the settlement amount from the non-Danish bank has not yet reached us.

You should also note that a cheque may be returned long after it has been cashed, for example if it is forged. This is also the case with cheques cashed by collection at banks outside Denmark. We will contact you if the cheque needs to be cashed by collection. The reason is that the amount will not be placed at your disposal until we know that the cheque is valid and the funds are made available to Danske Bank. We will charge an additional fee if we have to cash the cheque by collection. Standard terms and fees for transfers by cheques to Denmark Currency Cut-off time at Value Fee Danske Bank day for Cheque drawn on a Danske Bank account All currencies 3.30pm 1 DKK 200 per cheque n

av Cheque drawn on an account held with another Danish bank All currencies 3.30pm 6 DKK 200 per cheque

benh Cheque drawn on an account held with a bank outside Denmark All currencies 3.30pm 6 DKK 200 per cheque Kø

28 Other cheque services Fee 62

12 Copy of cheque DKK 150 61

nr. Return of check DKK 300 -

VR 0.5% of cheque amount,

S. Cheque for collection minimum DKK 500 A/ k

n maximum DKK 5,000 a B e sk n Da

Terms and conditions for transfers to and from Denmark and transfers Page 13 / 14 Danske Bank, Holmens Kanal 2-12, DK-1092 København K in foreign currency in Denmark 2021.03.01 Tel. +45 33 44 00 00, Fax +45 70 12 10 80

Changes in terms and conditions

If you make transfers via payment accounts held If you inform us that you do not want to be bound by In addition, Danske Bank’s General conditions – with Danske Bank, we may change these terms and the new terms and conditions, the payment account consumers apply. You can download a copy of conditions without notice if they are to your agreement will terminate when the new terms and these conditions from our website at advantage. Otherwise, changes are subject to two conditions take effect. www.danskebank.dk (available in Danish only) or months’ notice. We will inform you of changes ask your branch for a copy. directly by letter or electronically. Please contact us if you need additional copies of these terms and conditions. When we change the terms and conditions, you must inform us – before the changes take effect – if Transfers via accounts other than payment you do not want to be bound by the new terms and accounts are also governed by Terms and conditions. If we do not hear from you, you will be conditions for transfers to and from Denmark and bound by the new terms and conditions. transfers in foreign currency in Denmark – consumers. n av benh Kø

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Terms and conditions for transfers to and from Denmark and transfers Page 14 / 14 Danske Bank, Holmens Kanal 2-12, DK-1092 København K in foreign currency in Denmark 2021.03.01 Tel. +45 33 44 00 00, Fax +45 70 12 10 80