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| PAYMENT CARDS |
| Maestro |
| 1. | Card annual fee (base) 1 |
| 12.00 LVL |
| 2. | Supplementary card annual fee 1 |
| 10.00 LVL |
| 1.00 LVL |
| 4. | Supplementary Card Monthly fee 1 |
| 0.85 LVL |
| 5. | Fee for Card insurance (per annum) 2 |
| 25.00 EUR |
| 6. | Card replacement fee (also in case of PIN renewal) |
| 6.00 LVL |
| 7. | Retail transaction fee |
| free of charge |
| |
 | at Trasta komercbanka with card issued by TKB |
| 1% (min 2.50 LVL
3.50 EUR
4.00 USD) |
| | at other banks |
| 1,5% (min 3,00 LVL)
USD - 1.5% (min 5,50 USD)
EUR - 1,5% (min 5,50 EUR) |
| | ATM of SEB banka and Swedbank JSC in Latvia 3 |
| 1% (min 0,75 LVL)
USD - 1% (min 1,50 USD)
EUR - 1% (min 1,50 EUR) |
| | ATM of other banks 3 |
| 1,5% (min 2,00 LVL)
USD - 1,5% (min 3,00 USD)
EUR - 1,5% (min 3,00 EUR) |
| 9. | Currency conversion fee |
| 2.5% |
| 10. | Authorized credit limit interest rate per annum 4 |
| 16% |
| 11. | Over the authorized credit limit fee (annual rate) 4 |
| 60% |
| 12. | Late overdraft repayment penalty 5 |
| 6.00 LVL |
| 13. | Termination of Agreement during the first year of its validity period |
| 2.00 LVL |
| 14. | Fee for consideration of unjustified claim |
| 10.00 LVL |
| 15. | Fee for SMS Info message 6 |
| 0,06 LVL |
| |
| | urgent card processing during 8 bank’s working hours |
| 25.00 LVL |
| | express payment into card's account |
| 6.00 LVL |
| | monthly payment into card's account upon Client's authorization (per month) |
| 3.00 LVL |
| | Monthly statement at the Bank or by e-mail |
| free of charge |
| | Monthly statement by mail or by fax |
| 0.50 LVL |
| | Payment from Client's Card account to his/her Current account or other Card Account on Client's request |
| free of charge |
| 24 months |
| 18. | Cash advance at Trasta komercbanka with a card from another bank (MC, Maestro, VISA or VISA Electron) |
| without extra commission fees |
| Cirrus |
| 1. | Card annual fee (base) 1 |
| 12.00 LVL |
| 1.00 LVL |
| 3. | Card replacement fee (also in case of PIN renewal) |
| 6.00 LVL |
| |
| | ATM of SEB banka and Swedbank JSC in Latvia 3 |
| LVL - 1% (min 0,75 LVL)
USD - 1% (min.1,50 USD)
EUR - 1% (min 1,50 EUR) |
| | ATM of other banks 3 |
| 2% |
| 5. | Currency conversion fee |
| 2.5% |
| 6. | Charge for negative balance of Card account (annual rate) 4 |
| 60% |
| 7. | Termination of Agreement during the first year of its validity period |
| 2.00 LVL |
| 8. | Fee for consideration of unjustified claim |
| 10.00 LVL |
| 9. | Fee for SMS Info message 6 |
| 0,06 LVL |
| |
| | Urgent card processing during 8 bank’s working hours |
| 25.00 LVL |
| | express payment into card's account |
| 6.00 LVL |
| | monthly payment into card's account upon Client's authorization (per month) |
| 3.00 LVL |
| | Monthly statement at the Bank or by e-mail |
| free of charge |
| | Monthly statement by mail or by fax |
| 0.50 LVL |
| | ayment from Client's Card account to his/her Current account or other Card Account on Client's request |
| free of charge |
| 24 months |
| 12. | Cash advance at Trasta komercbanka with a card from another bank (MC, Maestro, VISA or VISA Electron) |
| without extra commission fees |
| MC Business |
| 1. | Card annual fee (base) 1 |
| 35.00 LVL |
| 2. | Supplementary card annual fee 1 |
| 30.00 LVL |
| 3.00 LVL |
| 4. | Supplementary Card Monthly fee 1 |
| 3.00 LVL |
| 5. | Fee to Card insurance (per annum) 2 |
| 40.00 EUR |
| 6. | Card replacement fee (also in case of PIN renewal) |
| 6.00 LVL |
| 7. | Minimal security deposit 7 |
| 150.00 LVL |
| 8. | Minimal security deposit for Cards with available credit limit |
| 1:1,5 |
| 9. | Retail transaction fee |
| free of charge |
| |
| | at Trasta komercbanka with card issued by TKB |
| 1% (min 2.50 LVL
3.50 EUR
4.00 USD) |
| | at other banks |
| LVL - 1,5% (min 3,00 LVL)
USD - 1,5% (min 5,50 USD)
EUR - 1,5% (min 5,50 EUR) |
| | ATM of SEB banka and Swedbank JSC in Latvia 3 |
| LVL - 1% (min 0,90 LVL)
USD - 1% (min 2,00 USD)
EUR - 1% (min 2,00 EUR) |
| | ATM of other banks 3 |
| LVL - 1,5% (min 2,00 LVL)
USD - 1,5% (min 3,00 USD)
EUR - 1,5% (min 3,00 EUR) |
| 11. | Currency conversion fee |
| 2.5% |
| 12. | Authorized credit limit interest rate per annum 4 |
| |
| | for card with security deposit |
| 16% |
| | for card without security deposit |
| 24% |
| 13. | Over the authorized credit limit fee (annual rate) 4 |
| 60% |
| 14. | Late overdraft repayment penalty 5 |
| 6.00 LVL |
| 15. | Annual interest for security deposit |
| 2% |
| 16. | Termination of Agreement during the first year of its validity period |
| 20.00 LVL |
| 17. | Fee for consideration of unjustified claim |
| 10.00 LVL |
| 18. | Fee for SMS Info message 6 |
| 0,06 LVL |
| |
| | urgent card processing during 8 bank’s working hours |
| 25.00 LVL |
| | express payment into card's account |
| 6.00 LVL |
| | monthly payment into card's account upon Client's authorization (per month) |
| 3.00 LVL |
| | Monthly statement at the Bank or by e-mail |
| free of charge |
| | monthly statement by mail or by fax |
| 0.50 LVL |
| | Payment from Client's Card account to his/her Current account or other Card Account on Client's request |
| LVL - 1% (min 6,00 LVL)
USD - 1% (min 10,00 USD)
EUR - 1% (min 10,00 EUR) |
| 24 months |
| 21. | Cash advance at Trasta komercbanka with a card from another bank (MC, Maestro, VISA or VISA Electron) |
| without extra commission fees |
| MC Classic 8 |
| 1. | Card annual fee (base) 1 |
| 35.00 LVL |
| 2. | Supplementary card annual fee 1 |
| 30.00 LVL |
| 3.00 LVL |
| 4. | Supplementary Card Monthly fee 1 |
| 3.00 LVL |
| 5. | Fee for Card insurance (per annum) 2 |
| 30.00 EUR |
| 6. | Card replacement fee (also in case of PIN renewal) |
| 6.00 LVL |
| 7. | Minimal security deposit 7 |
| 150.00 LVL |
| 8. | Minimal security deposit for Cards with available credit limit |
| 1:1,5 |
| 9. | Retail transaction fee |
| free of charge |
| |
| | at Trasta komercbanka with card issued by TKB |
| 1% (min 2.50 LVL
3.50 EUR
4.00 USD) |
| | at other banks |
| 1,5% (min 3,00 LVL)
USD - 1,5% (min 5,50 USD)
EUR - 1,5% (min 5,50 EUR) |
| | ATM of SEB banka and Swedbank JSC in Latvia 3 |
| LVL - 1% (min 0,90 LVL)
USD - 1% (min 2,00 USD)
EUR - 1% (min 2,00 EUR) |
| | ATM of other banks 3 |
| LVL - 1,5% (min 2,00 LVL)
USD - 1,5% (min 3,00 USD)
EUR - 1,5% (min 3,00 EUR) |
| 11. | Currency conversion fee |
| 2.5% |
| 12. | Authorized credit limit interest rate per annum 4 |
| |
| | for card with security deposit |
| 16% |
| | for card without security deposit |
| 24% |
| 13. | Over the authorized credit limit fee (annual rate) 4 |
| 60% |
| 14. | Late overdraft repayment penalty 5 |
| 6.00 LVL |
| 15. | Annual interest for security deposit |
| 2% |
| 16. | Termination of Agreement during the first year of its validity period |
| 12.00 LVL |
| 17. | Fee for consideration of unjustified claim |
| 10.00 LVL |
| 18. | Fee for SMS Info message 6 |
| 0,06 LVL |
| |
| | urgent card processing during 8 bank’s working hours |
| 25.00 LVL |
| | express payment into card's account |
| 6.00 LVL |
| | monthly payment into card's account upon Client's authorization (per month) |
| 3.00 LVL |
| | monthly statement at the Bank or by e-mail |
| free of charge |
| | monthly statement by mail or by fax |
| 0.50 LVL |
| | Payment from Client's Card account to his/her Current account or other Card Account on Client's request |
| LVL - 1% (min 6,00 LVL)
USD - 1% (min 10,00 USD)
EUR - 1% (min 10,00 EUR) |
| 24 months |
| 21. | Cash advance at Trasta komercbanka with a card from another bank (MC, Maestro, VISA or VISA Electron) |
| without extra commission fees |
| MC Gold 9 |
| 1. | Card annual fee (base) 1 |
| 90.00 LVL |
| 2. | Supplementary card annual fee 1 |
| 85.00 LVL |
| 8.00 LVL |
| 4. | Supplementary Card Monthly fee 1 |
| 8.00 LVL |
| 5. | Fee to Card insurance (per annum) 2 |
| 50.00 EUR |
| 6. | Card replacement fee (also in case of PIN renewal) |
| 12.00 LVL |
| 7. | Minimal security deposit{ 7 10 |
| 4800.00 LVL |
| 8. | Minimal security deposit for Cards with available credit limit |
| LVL - 1:1+1800,00 LVL
USD - 1:1+3000,00 USD
EUR - 1:1+3000,00 EUR |
| 9. | Retail transaction fee |
| free of charge |
| |
| | at Trasta komercbanka with card issued by TKB |
| LVL - 0.40 LVL
USD - 0,4% (min 1,00 USD)
EUR - 0,4% (min 1,00 EUR) |
| | at other banks |
| LVL - 2% (min 3,00 LVL)
USD - 2% (min 5,50 USD)
EUR - 2% (min 5,50 EUR) |
| | ATM of SEB banka and Swedbank JSC in Latvia 3 |
| LVL - 1% (min 0,90 LVL)
USD - 1% (min 2,00 USD)
EUR - 1% (min 2,00 EUR) |
| | ATM of other banks 3 |
| LVL - 2% (min 2,00 LVL)
USD - 2% (min 3,00 USD)
EUR - 2% (min 3,00 EUR) |
| 11. | Currency conversion fee |
| 2.5% |
| 12. | Authorized credit limit interest rate per annum 4 |
| |
| | for card with security deposit |
| 18% |
| | for card without security deposit |
| 30% |
| 13. | Over the authorized credit limit fee (annual rate) 4 |
| 60% |
| 14. | Late overdraft repayment penalty 5 |
| 6.00 LVL |
| 15. | Annual interest for security deposit |
| 2% |
| 16. | Termination of Agreement during the first year of its validity period |
| 20.00 LVL |
| 17. | Fee for consideration of unjustified claim |
| 10.00 LVL |
| 18. | Fee for SMS Info message 6 |
| 0,06 LVL |
| |
| | urgent card processing during 8 bank’s working hours |
| 25.00 LVL |
| | express payment into card's account |
| 6.00 LVL |
| | monthly payment into card's account upon Client's authorization (per month) |
| 3.00 LVL |
| | Monthly statement at the Bank or by e-mail |
| free of charge |
| | Monthly statement by mail or by fax |
| 0.50 LVL |
| | Payment from Client's Card account to his/her Current account or other Card Account on Client's request |
| LVL - 1% (min 6,00 LVL)
USD - 1% (min 10,00 USD)
EUR - 1% (min 10,00 EUR) |
| 24 months |
| 21. | Cash advance at Trasta komercbanka with a card from another bank (MC, Maestro, VISA or VISA Electron) |
| without extra commission fees |
| 1 Clients opt to pay an annual or monthly fee. The annual fee is paid to the Bank after the Agreement on Issue and Use of Pay Card (agreement) becomes effective, but before processing the card. Monthly card fee is collected by debiting the Client's Card account once a month on the last working day of each month during the entire period of effect of the agreement. |
| 2 Insurance policy validity period – 12 months. Client transfers the insurance fee to the Insurer's account with TRASTA KOMERCBANKA. |
| 3 Limit of cash withdrawal at ATM for a period of 24h: Maestro, Cirrus - 500,00 LVL / 1 000,00 USD / 800,00 EUR; MC Classic - 1 000,00 LVL / 15 00,00 USD / 1 500,00 EUR; MC Business - 1 500,00 LVL / 2 000,00 USD / 2 000,00 EUR; MC Gold - 2 000,00 LVL / 3 000,00 USD / 3 000,00 EUR (limits do not apply to cash withdrawals at the bank’s cash desks). |
| 4 Annual interest on authorized credit limit, annual over the authorized credit limit interest and charge for negative card account balance are calculated monthly and debited from the Client’s Card account. |
| 5 A fixed penalty is charged in case unauthorized negative account balance exceeds 3,00 LVL / 5,00 USD / 5,00 EUR for more than one month. |
| 6 Including VAT 22%. Tax account is available in electronic or paper format upon prior request from the Bank. |
| 7 Or as agreed with the Bank. |
| 8 Not available to legal persons. |
| 9 The minimum authorized credit limit for MC Gold cards is 3 000, 00 LVL / 5 000,00 USD / 5 000,00 EUR. |
| 10 All MC Gold cards are credit cards. |
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