Rates for business transaction servicesLetting you knowwhere you stand

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All charges at a glanceWhat rates and fees does ING charge for businesstransactions? This brochure provides anoverview of the rates that apply for corporateaccount holders. The services and transactions are exempt from VAT unless expressly stated otherwise. That way you know where you stand. These rates apply from 1 July 2015 and are subject to change. Check www.ING.nl/zakelijk for current rates.

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Content

Basis for banking 4

Business transaction services packagesBusiness accountsInternet bankingCards

Transfers within the SEPA countries 6

Incoming credit transfers in eurosOutgoing credit transfers in eurosCard acceptance: productsCard acceptance: transactionsCard acceptance: credit card transactions iDEAL eMandatesPayments at Point of Sale terminal

Transfers outside the SEPA countries 9

Incoming credit transfersOutgoing credit transfersIncoming chequesPayments at Point of Sale terminal

Cash money 10

Cash depositsCash withdrawals

Being your International Business Partner 11

Bank guaranteesING International Cash Management, Products & ServicesDocumentary payments

Account and balance information 13

Digital account statementsPaper-based account statements

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Basis for banking

Business transaction services packages

The business transaction services packages from ING consist of a business account, debit card and internet banking capability with ‘Mijn ING Zakelijk’ and the ‘Mobiel Bankieren App’. The rates for your transaction services are given in this brochure1. The differences between the business transaction services packages are detailed below.

Business accounts2

Starterspakket

This free business payment services package is intendedspecifically for new start-ups.

• The ‘Starterspakket’ is for free in the first year.• 100% discount on your efficient transaction services• duration: 12 months

Ondernemerspakket

This is the standard business payment services package from ING.

• costs: € 9.50 per month• indefinite duration

Verenigingen en Stichtingen Pakket

This business payment services package is specifically intended for clubs, associations and foundations.

• costs: € 9.50 per month• 50% discount on your efficient transaction services, with a

maximum of € 250.00 on a quarterly basis• indefinite duration

Current account

G-account

Third-party account3

Foreign currency account

€ 4.50 per account, per month€ 4.50 per account, per month€ 4.50 per account, per month€ 7.50 per account, per month

For business customers, ING has a number of payment transaction packages and services. Details of what

services are included in the packages and what they cost, are given below.

1 Visit ING.nl/zakelijk for more information about the products and an overview of rates for business credit transfer products.2 Check ING.nl/zakelijk/betalen/tarieven for the amount of interest and how it is calculated, as well as the interest on the foreign currency and

third-party accounts.3 Interest is payable on amounts to a maximum value of 20 million euros.

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Internet banking

Cards

Mijn ING Zakelijk

• Purchase fee• Subscription fee

€ 0.00€ 3.75 per month

InsideBusiness Payments

• Purchase fee• Subscription fee• Fee per user

€ 55.00€ 6.00 per month€ 3.50 per month

Debit CardBack-up Debit CardBusiness CardCorporate Card, company invoicingCorporate Card, personal invoicingEmergency provision of Business Card/Corporate Card

€ 1.25 per card, per month€ 7.50 per card€ 37.50 per card, per year€ 30.00 per card, per year€ 37.50 per card, per year€ 129.00 per card

InsideBusiness Connect

• Subscription fee € 200.00 per month• Adding customer to current InsideBusiness Connect contract € 350.00

of a Service Desk

Remote Initiation Services (for InsideBusiness Payments and InsideBusiness Connect)

Multibank Reporting € 22.50 per monthMultibank credit transfers € 15.70 per month, plus € 8.00 per account, per month

Equens Corporate Payment Service

• CPS multiple credit transfer/direct debet• CPS credit transfer/direct debet• CPS Upload Batch• CPS Internet Services• CPS Secure FTP subscription• CPS Purchase Internet Services, one off fee• New CPS connection, set-up fee• Adding customer to current CPS contract of a Service Desk

€ 1.15 per batch€ 0.007 per item€ 2.00 per batch€ 7.00 per month, per token€ 335.00 per month€ 145.00 per token€ 500.00 € 350.00

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Transfers within the SEPA countries

Incoming credit transfers in euros

Standard credit transfer € 0.15Acceptgiro € 0.35Direct debit € 0.09 per item € 2.00 per batchUrgent credit transfer (within NL) € 1.00

Outgoing credit transfers in euros

Single credit transfer € 0.07Single credit transfer (paper-based) € 1.80

Multiple credit transfer1 € 0.05 per item € 2.00 per batchCancellation fee multiple credit transfer € 1.40 per item € 1.40 per batchRejection multiple credit transfer € 0.20 per item € 2.00 per batch

Direct debit € 0.09 per itemRefusal, reject, return, refund direct debit2 € 0.40 per itemRefund unauthorised direct debit2 € 60.00 per awarded claim

Acceptgiro (paper-based) € 1.50Standing order € 0.50

Urgent credit transfer, digitally delivered € 4.50 plus € 0.07 of a single credit transferUrgent credit transfer, via branch (within NL) € 10.00

Investigations and inquiries of SEPA credit transfers € 30.00

1 Transactions to non-SEPA countries in a multiple credit transfer are charged at € 5.00 per item.2 Payable by collecting bank.

Your business account enables you to make euro transactions in the Netherlands and around the world.

The transaction charges are given below.

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Card acceptance: products

Pin Pakket Compleet The fees of the packages are per month (excl. VAT): This package consists of the subscription fee, rental fee for Fixed ADSL € 39.95 the Point of Sale terminal and the service contract charge. Fixed GPRS € 42.95The GPRS packages also include the fee for the telecom Mobile GPRS € 42.95connection.

Fee per Point of Sale terminal € 3.65 per month (excl. VAT) If you already have a Point of Sale terminal and wish to accept cards via ING, then a fee is charged for each connected Point of Sale terminal instead of a package price.

Card acceptance: transactions1

In addition to the package price or fee for each Point of Sale terminal, you will also be charged a fee for the pin transactions executed by your customers. Then you can choose between tiered or bundled pricing. If you do not choose for bundled pricing then the tiered pricing will automatically apply.

Explanation tier Tier Fee

Pin transactions made using Maestro and V PAY can be (in transactions per month) (per transaction)

accepted within the fee tier. The more pin transactions 0 to 50 € 0.052you accept per month, the lower the fee per transaction. 50 to 100 € 0.051 100 to 250 € 0.050 250 to 500 € 0.049 500 to 1,000 € 0.048 > 1,000 € 0.047

Explanation bundle Bundle Fee

Transactions made using Maestro and V PAY can be (in transactions per month) (per month) accepted within a bundle. A bundle is a certain number 150 € 2.98 of Maestro or V PAY transactions that you pay for per month. 300 € 6.88 The fee charged for transactions exceeding the bundle is 500 € 12.08 € 0.052 per transaction, regardless of the card brand.

There are no other charges for acceptance of Maestro and V PAY.

1 The fee for Maestro and V PAY transactions includes a covenant discount of € 0.01.

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1 Eurozone: Austria, Belgium, Cyprus, Estonia, Finland, France, Germany, Greece, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, the Netherlands, Portugal, Slovenia, Slovakia and Spain. In some non-Eurozone countries it is also possible to withdraw cash and pay in euros. On transactions in foreign currencies, exchange rate surcharge is applied.

Card acceptance: credit card transactions

The charge for credit card transactions (Point Of Sale Transactions and no E-Commerce Transactions) is made up of a percentage fee calculated on the transaction amount. The rate charged depends on:

1. The sector in which your company operates

There are three categories:• normal: all sectors not included in low or high;• low: brown goods/white goods, petrol/diesel and food;• high: travel organisations/travel sector, casinos, airlines and airports.

2. The card used for the transaction

VISA credit card or MasterCard.

3. The method by which a transaction is submitted

Via electronic point-of-sale terminal or using sales slips. The use of paper-based sales slips is only permitted when this has been pre-agreed and with ING’s written permission.

Normal Low High

VISA MasterCard VISA MasterCard VISA MasterCard

Via POS terminal 2.50% 2.20% 2.30% 2.00% 3.30% 3.00%Via sales slip 2.55% 2.25% 2.35% 2.05% 3.35% 3.05%

iDEAL

Connection € 0.00Subscription € 20.00 per month1 - 2,000 transactions per month € 0.50 per transaction2,001 - 10,000 transactions per month € 0.40 per transactionMore than 10,000 transactions per month on request

eMandates

Subscription € 20.00 per month (excl. VAT)Receive eMandate € 0.75 per mandate (excl. VAT)

Payments at Point of Sale terminal

Via Debit Card in Eurozone1 € 0.00Via Businesscard/Corporate Card in Eurozone1 € 0.00

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Incoming credit transfers

International SHA1 0.1% of the amount (min. € 5.00, max. € 50.00)International BEN1 0.1% of the amount (min. € 5.00, max. € 50.00) plus

foreign bank chargesInternational Account Sweeping € 0.00Surcharge for fax notification € 6.00

Outgoing credit transfers

International SHA1 0.1% of the amount (min. € 6.00, max. € 50.00)International OUR1 0.1% of the amount (min. € 6.00, max. € 50.00) plus

foreign bank charges2

International Account Funding € 9.00Surcharge Urgent International transfer € 8.00Surcharge for submission Urgent International transfer via e-mail or fax € 45.00 Surcharge fax notifications € 20.00Investigations and inquiries of International credit transfers € 30.00

Incoming cheques

Cheque under usual reserve3 € 5.00 plus 0.1% of the amount (min. € 20.00, max. € 75.00)Cheque after final credit transfer4 € 25.00 plus 0.1% of the amount (min. € 20.00, max. € 75.00)Fee for unpaid return € 25.00

Payments at Point of Sale terminal

Via Debit Card outside Eurozone5 1.00% exchange rate surcharge6

Via Business Card outside Eurozone5 1.50% exchange rate surcharge6

Via Corporate Card outside Eurozone5 1.95% exchange rate surcharge6

Transfers outside the SEPA countries

1 SHA: client and beneficiary each pay their own transaction fees. BEN: beneficiary pays all costs. OUR: client pays all costs. Visit ING.nl/zakelijk/betalen/tarieven for the OUR rates.2 Bank charges vary per country.3 Cheques are cleared without prejudice to the right of ING to reverse the transaction if the cheque is returned by the signatory’s bank.4 This applies always for amounts with a cheque value of € 50,000 or more and for banks with whom ING does not do business.5 Eurozone: Austria, Belgium, Cyprus, Estonia, Finland, France, Germany, Greece, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, the

Netherlands, Portugal, Slovenia, Slovakia and Spain. In some non-Eurozone countries it is also possible to withdraw cash and pay in euros. On transactions in foreign currencies, exchange rate surcharge is charged.

6 The exchange rate surcharge is included in the cost of the transaction.

Does your business operate outside the SEPA countries? By using ING’s international payment service your

incoming and outgoing payments will be processed swiftly en efficiently. This applies to both your payments

in foreign currencies and your payments in euros outside the SEPA countries.

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Cash money

Cash money becomes less and less important in transactions. But at the same time you cannot do without it. It is

possible to exchange, withdraw and deposit cash money on your current account.

Cash deposits

Cash deposit packaged

Banknotes via Sealbag safe1 € 3.00 per deposit plus 0.1% of transaction value2

Banknotes via security transport company3 € 3.00 per deposit plus 0.1% of transaction value2

Coinage via Multimunt Sealbag € 60.00 per set of 10 bags4

Cash deposit unpackaged

Deposit via machine € 3.50 per deposit plus 0.2% of transaction value5

Banknotes via counter € 3.50 per deposit plus 0.2% of transaction value5

Coinage in standard quantities, via counter € 0.30 per coin bag of € 3.00 per foil bag, plus € 3.50 per deposit, plus 0.2% of transaction value

Cash withdrawals

Withdrawal from automatic teller machine

Via Debit Card in Eurozone6 € 0.00Via Debit Card outside Eurozone6 € 2.25 per transaction + 1.0% exchange rate surcharge7

Via Business Card/Corporate Card in Eurozone6 € 4.50 per transactionVia Business Card outside Eurozone6 € 4.50 per transaction + 1.50% exchange rate surcharge7

Via Corporate Card outside Eurozone6 € 4.50 per transaction + 1.95% exchange rate surcharge7

Withdrawal at bank office

Cash withdrawal at counter via Debit Card8 € 3.00 per withdrawalCoinage withdrawal at counter via Debit Card8 € 0.30 per roll/bag (standard quantities), subject to a minimum of € 5.00 per transactionCash withdrawal via Business Card/Corporate 3.0% withdrawal fee with a minimum of € 4.50 perCard in Eurozone6 transactionCash withdrawal via Business Card 3.0% withdrawal fee with a minimum of € 4.50 peroutside Eurozone6 transaction + 1.50% exchange rate surcharge7

Cash withdrawal via Corporate Card 3.0% withdrawal fee with a minimum of € 4.50 peroutside Eurozone6 transaction + 1.95% exchange rate surcharge7

1 Includes cash deposit material.2 On a non-qualitative deposit, a surcharge of € 5.00 is applied.3 Charges payable to the security transport company are not included in this rate and are your responsibility to arrange.4 Includes 10 sealbags, transport, sorting, counting and crediting the account.5 Deposits under € 15,000 are only possible via the machine.6 Eurozone: Austria, Belgium, Cyprus, Estonia, Finland, France, Germany, Greece, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, the

Netherlands, Portugal, Slovenia, Slovakia and Spain. In some non-Eurozone countries it is also possible to withdraw cash and pay in euros. On transactions in foreign currencies, exchange rate surcharge is charged.

7 The exchange rate surcharge is included in the cost of the transaction.8 With an ING Debit Card at a ING bank office in the Netherlands.

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Bank guarantees

New bank guarantee € 75.001 / 125.002

New bank guarantee via InsideBusiness Trade € 75.00Amendment of existing bank guarantee € 75.001 / 125.002

Amendment of existing bank guarantee via InsideBusiness Trade € 75.00Tailor-made bank guarantee (legal review)3 € 100.00Claim handling fee € 125.00Advising fee4 € 100.00Urgency surcharge for new bank guarantee5 € 100.00Commission 1.30% per year6 (annual minimum € 180.00)

ING Internationaal Cash Management, Products & Services

International Account Service7 on request

In a complex international environment you want to utilize your working capital in the best possible way and keep you fundings in control. ING has several solutions for this. Please contact us for information on our solutions, international products and rates.

Being your International Business Partner

1 This rate applies for a request and an amendment which is processed in 5 days.2 This rate applies for a request and an amendment which is processed in 3 days. 3 Excludes the costs of requesting a new bank guarantee.4 Postage and communication charges, and charges of third parties are charged separately.5 Courier costs are charged separately.6 Standard percentage of amount of bank guarantee, unless agreed otherwise.7 This fee is applicable for opening, having and closing an account in a country outside of your country of incorporation.

We give you a hand to be successful abroad. Visit ING.nl/zakelijk for more information about doing business

internationally. The rates of bank guarantees and documentary payments are given below.

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Documentary payments1

Collections Import

Handling charges import collection € 125.00 Handling charges protest2 € 75.00 Handling charges amendment € 42.00

Collections Export

Handling charges export collection2,3 € 125.00 Handling charges amendment € 42.00

Import Letters of Credit

Opening charges via internet2 € 85.00Opening charges paper based2 € 110.00

Amendment fee (instruction online)2,4 € 45.00Amendment fee (instruction on paper)2,4 € 60.00

Handling charges documents € 110.00 (excl. VAT)

Commission opening commitment A percentage to be charged for each opening and each month started (min. € 50.00 per month), paid at once, based on the full term and the total amount of the commitment.

Documents commission 0.15% of the value of the documents amount (excl. VAT)

Commission acceptance/deferred payment commitment A percentage to be charged for each acceptance/deferred payment and each month started (min. € 50.00 per month), paid at once, based on the full term and the total amount of the commitment.

Export Letters of Credit

Handling charges advice2 € 100.00Amendment fee € 60.00Handling charges documents € 110.00Handling charges transfer € 275.00Confirmation commitment A percentage to be charged for each opening

and each month started (min. € 50.00 per month), calculated on a monthly basis on the amount of the commitment outstanding.

Documents commission 0.15% of the value of the documents amount

Acceptance/deferred payment commission A percentage to be charged for each acceptance/deferred payment and each month started (min. € 50.00 per month), paid at once, based on the full term and the total amount of the commitment.

Pre-checking of documents € 140.00

Communication and other charges

Communicating a message electronically € 6.00 Communicating the opening of a documentary credit € 25.00 Advising documents by fax5 € 12.00 Handling charges endorsement € 33.00 per set of documents

1 No general transfer commission is charged on payments associated with documentary collections or documentary credits.2 Postage and communication charges, and charges of third parties, where applicable, are charged separately.3 Handling charges include one inquiry about the status of the payment. The charge for each subsequent inquiry is € 30.00. 4 If the amendment of a credit involves an increase in the amount, implying increased risk for the bank, opening commitment commission is charged

on imports and confirmation commitment commission is charged on exports.5 Charge for one copy of an invoice and one copy of a transportation document. For each additional document a charge of € 3.50 is applicable.

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1 Does not apply to ‘Mijn ING Zakelijk’.

Account and balance information

Digital account statements

Account information digital1 € 0.07 per transactionForwarding account information to a third bank € 16.00 per account, per month, plus € 0.45 per SWIFT messageGeïntegreerde Mutatie Uitvoer (GMU) € 7.50 per delivery € 0.06 per item

Paper-based account statements

Monthly statement € 0.95 per statementBiweekly statement € 0.95 per statementWeekly statement € 0.95 per statementDaily statement € 0.95 per statementDuplicate statement € 0.95 per statementCopy of statement € 6.25 per statement (excl. VAT)Business Card/Corporate Card statement € 0.00Copy of Business Card/Corporate Card statement € 8.00 per statement

Having the latest information on your bank account balance and transactions is essential for managing your

business. ING offers various ways of keeping track of your incoming and outgoing payments and the cleared

balance on your business account. The associated costs are detailed below.

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The registered offi ce of ING Bank N.V. is located at Amsterdam, Trade Register number 33031431 in Amsterdam.

Information contained in this brochure applies from 1 October 2015 and is subject to change. This also applies to rates and interest percentages. For more current information please go to ING.nl/zakelijk or call 020 22 888 22.

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Want to know more?

Visit ING.nl/zakelijk or

ingcommercialbanking.com

Or call 020 22 888 22

2647

80

091

5

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