4. FINCI may charge a fee of min 200 EUR or max 2000 EUR for the first verification of nationals using a personal identification document issued in countries other than the ones included in the Country List 1 and do not hold a valid residence permit issued in the Republic of Lithuania. The Client is notified of the application of a fee before documents’ verification processing. Country List 1 include: Ireland, Austria, Belgium, Bulgaria, Czech Republic, Denmark, Estonia, Greece, Spain, Italy, Cyprus, Croatia, Latvia, Poland, Liechtenstein, Luxembourg, Malta, the Netherlands, Norway, Portugal, France, Romania, Slovak Republic, Slovenia, Finland, Sweden, Hungary, Germany, Lithuania, San Marino, Andorra, Switzerland, Singapore, Iceland, Canada, Great Britain, Australia, New Zeeland, Japan, South Korea, China.

5. Annual fee of 0.6% will be applied on overnight balances over 100 000 EUR. The fee will be calculated and charged on a monthly basis.

6. FINCI has right to write off one-time fee up to 10 EUR after Client’s notice on account closing if Client’s account balance is up to 10 EUR and the Client hasn't ensured 0 balance on his account by transferring all his funds from the Client’s FINCI account to any other account specified by the Client before sending a notice on account closing to FINCI.

7. FINCI applies Closing account administration fee if the Client fails to fulfil the request of FINCI to transfer the funds from Client’s’ Account and/or close the Account within the deadline specified by FINCI.

8. Inactive account is an account where no transactions have been made under the Client’s instructions for the period of consecutive 180 (one hundred eighty) calendar days. Inactive administration fee applies after 60 (sixty) calendar days from FINCI’s notice for an inactive account status.

9. Method of depositing or transferring funds to the Client account using payment card. Minimum replenishment (top-up) amount is 10 EUR.

10. FINCI does not provide paper format account statement for closed accounts.

11. Standard template letter in paper format issued in EN, LT, RUS or LV languages. Reference letter will be sent in digital format. If customer requires paper format to be send by regular mail, postal costs will be added. Individual pricing based on the type of request will be applied for non-standard reference letter.

12. Individual monitoring of the Client with a feature of politically exposed person, high risk persons including, but not limited to monitoring of the operations on the accounts of the Client in accordance with the Law on the Prevention of Money Laundering and Terrorism Financing or monitoring non-compliance with the annual incoming turnover (fee is determined on a monthly basis by FINCI depending on the individual client’s risk level and the Client is notified of the application of a fee with a personal notification). Fee will apply on the monthly basis.

13. SEPA countries - Andorra, Austria, Belgium, Bulgaria, Croatia, Cyprus, Denmark, Estonia, Finland, France, Germany, Gibraltar, Great Britain, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxemburg, Malta, Monaco, Netherlands, Norway, Poland, Portugal, Rumania, San Marino, Spain, Slovakia, Slovenia, Sweden, Switzerland, the Czech Republic, the Vatican City State. Current List of SEPA countries is available here: www.ecb.europa.eu/paym/integration/retail/sepa/

14. Payments outside SEPA are processed under TARGET2 is the real-time gross settlement (RTGS) system owned and operated by the Eurosystem. TARGET stands for Trans-European Automated Real-time Gross settlement Express Transfer system. The current list of TARGET2 is available here: www.ecb.europa.eu/paym/target/target2/profuse/participation/

15. SHA - the commission fee of FINCI is covered by the Client, while all commission fees of correspondent banks and the recipient bank related to the payment are covered by the recipient. FINCI sends the payment to the correspondent bank or recipient bank with the instruction SHA in the Details of Charges SWIFT notification field. Correspondent banks or the recipient bank have the right to withhold the commission fees from the transferred amount before or after depositing the funds in the recipient’s account.

16. OUR – the commission of FINCI, as well as all commissions of the correspondent bank and recipient bank related to performance of the transfer are covered by the Client. FINCI sends the payment to the correspondent bank or beneficiary bank with indication OUR in the respective SWIFT message area Details of Charges, instructing the beneficiary bank to pay the transfer amount to the recipient. This provision limits the liability of FINCI. FINCI is not liable if the correspondent bank or recipient bank has failed to adhere to the instructions given by FINCI or if the credit transfer has not been received in full due to other reasons not controlled by FINCI.

17. Commission fee of the correspondent bank (correspondent banks may charge additional fees during processing the payment).

18. Member-states of the EEA: Iceland, Liechtenstein, Norway and 27 EU member-states: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Hungary, Germany, Greece, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden.

19. Other bank commission fee might be applied (third banks may charge additional fees during processing the payment). Other banks -all banks involved during processing the payment.

20. The actual accrued fees of other banks may be added to the fees. Fee will be charged for the cancellation of the payment order, regardless of whether the funds are returned.

21. FINCI can issue a maximum of 3 cards per Cardholder per month, provided that not more than 1 active cards in one time.  If the Cardholder has requested or has been issued with more than 3 cards FINCI may not individually authorize the issuance of a new additional card or close the issued additional cards if circumstances are found to be inconsistent with the FINCI General Terms and Conditions of Provision of Services.

22. FINCI can issue a maximum of 10 cards per Cardholder per month, provided that not more than 6 active cards in one time.  If the Cardholder has requested or has been issued with more than 10 cards FINCI may not individually authorize the issuance of a new additional card or close the issued additional cards if circumstances are found to be inconsistent with the FINCI General Terms and Conditions of Provision of Services.

23. If the Client closes an additional card, FINCI may charge a monthly fee at the time of closing the card. 

24. If Client orders the card on business day till 13:00, it will be transferred to DHL on the same day after 16:00. If the card is ordered after 13:00, it will be transferred to DHL on the next business day.

25. Intra - Europe: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Hungary, Germany, Great Britain, Greece, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden.

26. Additional fees from ATM systems might be applied.

27. For express escrow account (processed within 24 h) fee is 0,7%, but not less than 150 EUR. Additional fees for non-standard terms of escrow account agreed on case-by-case basis, but not less than 250 EUR. Fees for urgency and non-standard terms are combinable.

28. FINCI may charge a fee of min 200 EUR or max 2000 EUR for the first verification of nationals using a personal identification document issued in countries other than the ones included in the “Country List 2” and do not hold a valid residence permit issued in the Republic of Lithuania. The Client is notified of the application of a fee before documents’ verification processing. Country List 2 include: Ireland, Austria, Belgium, Bulgaria, Czech Republic, Denmark, Estonia, Greece, Spain, Italy, Cyprus, Croatia, Latvia, Poland, Liechtenstein, Luxembourg, Malta, the Netherlands, Norway, Portugal, France, Romania, Slovak Republic, Slovenia, Finland, Sweden, Hungary, Germany, Lithuania.

29. FINCI may process investigation and cancellation of a payment order approximately within 10 working days (payments between FINCI accounts, SEPA and SEPA instant) or approximately within 30 calendar days (SWIFT payments).

30. Extra costs - commission, determined by correspondent bank and/or beneficiary bank apart from the FINCI’s for payment order investigation.

31. FINCI may apply the fee to investigate transaction in Client’s account according to the request by third party(ies) to finalize the transaction. In case if Client does not submit information and documents in due time, indicated by FINCI in the request and/or in case when submitted documents and information does not correspond to the requirements set by FINCI in the request to the Client, FINCI or other bank can block transaction, return the transaction, and deduct commission.

32. FINCI may apply the fee and fee amount depends on the scope of the investigation.

33. High-risk regions shall be defined based on internal regulations of FINCI. FINCI reserves the right to amend the list of high-risk regions.