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INFORMATION SHEET
CONTRACT OF ORDINARY CURRENT ACCOUNT
FOR NON CONSUMERS
IN EURO AND FOREIGN CURRENCY
INFORMATION ON BANK
Banco do Brasil AG – Succursale in Italia
Milan: Via Dante, 9-20123 Milan (MI) - Tel 02 88 251 0039 - Fax: 0039 02 8900265
e-mail: [email protected] ; website: www.bb.com.br/milao
Number of entry in the Register of Banks at the Bank of Italy: 5767
DESCRIPTION OF CURRENT ACCOUNT
The current account is a contract whereby the bank provides cashier services for the customer, keeping its savings and managing the
money with a range of services (deposits, withdrawals and payments within the limits of available balance).
Other services can be linked to the current account , such as debit card, credit card, cheques, bank transfers, direct debits, credit
facilities.
Particularly relevant for companies are the cash management services, e.g. the reporting on the accounts and the collection and
payment transactions management.
Cash management services can be used by operators both resident and non-resident, as an example by company headquarters for
the relationships with affiliates in Italy or by Italian Companies having foreign commercial relationships or investments.
In the execution of cash management services specific communication channels may be involved, for instance SWIFT or the Internet
networks, through which communications and instructions can be exchanged between the customer and the bank.
Through the cash management services companies meet their need for liquidity management through the monitoring of balances and
movements of all active accounts, repatriation or resetting of account balances with centralization on a dedicated account and
execution of the payment instructions.
Under the risk profile, the current account is a safe product.
The main risk is the counterparty risk, that is the possibility that the Bank is unable to refund the available balance to the account
holder, in whole or in part. For this reason, the bank adheres to the Austrian deposit guarantee scheme named “Einlagensicherung der
Banken und Bankiers GmbH”; which guarantees each current account holder up to
EUR 100.000,000
Other risks may be associated with the loss or theft of cheques, debit card, credit card, identification data and passwords to access to
the account on the internet, but these risks may be minimized if the account holder follows the common rules of prudence and caution.
The main potential risk linked to the cash management services is the network and communication channel security.
To learn more:
Please refer to the Practical Guide to the current account, which guides the choice of the type of account; it is available at
www.bancaditalia.it as well as on the bank's website www.bb.com.br / milao and at all branches of the bank.
Name and legal form: Banco do Brasil AG – Italian Branch, Registered office: Wien (Austria); Member of Banking Group: Banco do Brasil AG.
Share capital and reserves of the Banco do Brasil AG is equal to Euro 204.487.545,48.
Italian supervisory authority: Bank of Italy. Foreign supervisory authority: Finanzmarktaufsichtsbehörde (FMA) – Austria.
Italian Branch: Opening year: 2015; ABI Code: 03465.2, Entry Number on “Register of Banks” held by Bank of Italy: 5767; Registration number in the Companies Register of Milan, Fiscal Code and VAT
Code (P. IVA): 08897720960, Milan REA 2055324; Austrian guarantee scheme to whom the bank adheres: Einlagensicherung der Banken und Bankiers GmbH; Italian Headquarters Endowment Fund (as
shown by the last approved balance sheet): € 12.911.422,48.
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INFORMATION SHEET
CONTRACT OF ORDINARY CURRENT ACCOUNT
FOR NON CONSUMERS
IN EURO AND FOREIGN CURRENCY
MAIN FINANCIAL CONDITIONS
FOR NON CUNSUMERS: HOW MUCH THE CURRENT ACCOUNT CAN COST
Synthetic Indicator of Cost (ISC-Indicatore Sintetico di Costi)
PROFILE
BRANCH
ONLINE
Ordinary Current Account in Foreign Currency
USD 243,00
Service not available
Ordinary Current Account in Euro
EUR 243,00
Service not available
In addition to these costs, it is necessary to consider the stamp duty enforced by law (100,00 euro for legal persons) and any
credit and/or debit interest accrued on the account and account opening expenses.
The costs shown in this table are indicative guidelines regarding current accounts without credit facility.
To learn more please visit: www.bancaditalia.it .
Conditions set forth in the tables below include all economic burdens imposed on the customer for the service.
Before choosing and signing the contract it is therefore necessary to read carefully the information sheet.
ORDINARY CURRENT ACCOUNT
C/A Euro
C/A Foreign Currency
Fee for Account Opening
EUR 100.00
USD 100.00
Fee for Yearly Account Maintenance
This fee will be debited with monthly instalments.
EUR 240.00
USD 240.00
unlimited
unlimited
ZERO
ZERO
Service not available
Service not available
Service not available
Service not available
Service not available
Service not available
Service not available
Service not available
EUR 3.00
USD 3.00
EUR 20,00/ per month
USD 20,00 / per month
Number of account entries included in the yearly fee
Fee for the Yearly Closing of Account
Home
Banking
Paym
ent
Servic
es
Yearly fee for domestic debit card
Yearly fee for international debit card
Yearly fee for credit card
Yearly fee for multifunction card
Annual fee for internet banking and phone banking
SWIFT
FIXED COSTS
Liquidity
Management
COST ITEMS
Annual fee for the sending of the daily statement of
accounts in SWIFT MT940 format (balance and movements
of the previous day account closing)
Name and legal form: Banco do Brasil AG – Italian Branch, Registered office: Wien (Austria); Member of Banking Group: Banco do Brasil AG.
Share capital and reserves of the Banco do Brasil AG is equal to Euro 204.487.545,48.
Italian supervisory authority: Bank of Italy. Foreign supervisory authority: Finanzmarktaufsichtsbehörde (FMA) – Austria.
Italian Branch: Opening year: 2015; ABI Code: 03465.2, Entry Number on “Register of Banks” held by Bank of Italy: 5767; Registration number in the Companies Register of Milan, Fiscal Code and VAT
Code (P. IVA): 08897720960, Milan REA 2055324; Austrian guarantee scheme to whom the bank adheres: Einlagensicherung der Banken und Bankiers GmbH; Italian Headquarters Endowment Fund (as
shown by the last approved balance sheet): € 12.911.422,48.
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INFORMATION SHEET
CONTRACT OF ORDINARY CURRENT ACCOUNT
FOR NON CONSUMERS
IN EURO AND FOREIGN CURRENCY
ORDINARY CURRENT ACCOUNT
Liquidity
Manageme
nt
Entry Fee for transaction (not included in the Yearly Account
Maintenance Fee and to be added to the transaction cost)
Account Statement on paper and on line
ATM withdrawal at the same bank in Italy
ATM withdrawal at other bank in Italy
Bank transfer in Euros to and from SEPA Area (EU / EEU /
Switzerland, Monaco, San Marino), instructed at the branch
Services
Payment
VARIABLE COSTS
COST ITEMS
C/A Euro
C/A Foreign Currency
ZERO
ZERO
ZERO
ZERO
Service not available
Service not available
Service not available
Service not available
EUR 1.00
The Bank applies the
foreign exchange rate of the
“Currency List Banco do
Brasil” on display each day
at the branch counter.
EUR 1.00
Bank transfer in Euros to and from SEPA Area (EU / EEU /
Switzerland, Monaco, San Marino), instructed on line
Direct Debits / F24 Payments
Cashiers Cheque
Service not available
Service not available
Service not available
Service not available
Service not available
Service not available
ORDINARY CURRENT ACCOUNT
Credit
Interest
C/A Foreign Currency
0.00
0.00
Nominal annual debit rate on the amounts
used
Service not available
Service not available
All-inclusive Fee
Service not available
Service not available
6.40
6.40
ZERO
ZERO
6,40
6,40
ZERO
ZERO
Nominal lending rate per annum gross of
withholding tax
Nominal annual debit rate on the amounts
used
Fee for fast credit investigation
(Commissione di Istruttoria Veloce)
Overdra
ft
without
Credit
Facility
Credit
Facility
C/A Euro
Overdra
ft
In
excess
of
Credit
Facility
CREDIT FACILTY AND
OVERDRAFTS
INTERESTS
ON
DEPOSITS
COST ITEMS
Nominal annual debit rate on the amounts
used
Fee for fast credit investigation
(Commissione di Istruttoria Veloce)
st
Frequency of credit and debit
interests count
Annual, on December 31 of each year, or at the closing of the contract
Settlement of credit interests
Annual, on December 31 of each year, or at the closing of the contract
Due date of debit interest
st
March 1st of the year following the year in which they were calculated or at the closing of the
contract
Name and legal form: Banco do Brasil AG – Italian Branch, Registered office: Wien (Austria); Member of Banking Group: Banco do Brasil AG.
Share capital and reserves of the Banco do Brasil AG is equal to Euro 204.487.545,48.
Italian supervisory authority: Bank of Italy. Foreign supervisory authority: Finanzmarktaufsichtsbehörde (FMA) – Austria.
Italian Branch: Opening year: 2015; ABI Code: 03465.2, Entry Number on “Register of Banks” held by Bank of Italy: 5767; Registration number in the Companies Register of Milan, Fiscal Code and VAT
Code (P. IVA): 08897720960, Milan REA 2055324; Austrian guarantee scheme to whom the bank adheres: Einlagensicherung der Banken und Bankiers GmbH; Italian Headquarters Endowment Fund (as
shown by the last approved balance sheet): € 12.911.422,48.
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INFORMATION SHEET
CONTRACT OF ORDINARY CURRENT ACCOUNT
FOR NON CONSUMERS
IN EURO AND FOREIGN CURRENCY
ORDINARY CURRENT ACCOUNT
COST ITEMS
C/A Euro
C/A Foreign Currency
Date of payment
Date of payment
Checks of other banks in Italy
Date of payment + 3 w.d
Service not available
Cashier's checks of other banks in Italy
Date of payment + 1 w.d.
Service not available
Money Order Bank of Italy
Date of payment + 1 w.d.
Service not available
Money orders and postal checks
Date of payment + 3 w.d.
Service not available
Cheques (in Euro) drawn on non-resident accounts of Italian banks or
foreign banks
2 working days after the date
of receipt of funds.
Cheques (in foreign currencies) drawn on accounts of Italian or foreign
banks
2 working days after the date
of receipt of funds,
at the foreign exchange
applicable on the day of
deposit. The Bank applies the
foreign exchange rate of the
“Currency List Banco do
Brasil” on display each day at
the branch counter.
2 working days after the
date of receipt of funds,
at the foreign exchange
applicable on the day of
deposit. The Bank applies
the foreign exchange rate of
the “Currency List Banco do
Brasil” on display each day
at the branch counter.
2 working days after the
date of receipt of funds,
at the foreign exchange
applicable on the day of
deposit. The Bank applies
the foreign exchange rate of
the “Currency List Banco do
Brasil” on display each day
at the branch counter.
Date of payment
+ 8 w.d.
EUR 500.00
Date of payment
+ 8 w.d.
USD 500.00
ECONOMIC AVAILABILITY
AMOUNTS PAID
Cash
Legal availability of funds paid (for paid-in cheques)
Minimum initial payment for opening current account relationship.
The Effective Rate Global Medium (TEGM) pursuant art. 2 of the usury law (Law 108/1996) relevant for the operations of credit in the
current account, can be found at the branch.
OTHER FINANCIAL CONDITIONS
CURRENT OPERATIONS AND LIQUIDITY MANAGEMENT
COST ITEMS
Sending regular communications on paper and on line
Fees for duplicates of the documents related to individual transactions (per
sheet)
Request for account balance certification, accrued credit and/or debit
interest, powers of signature or other data (for requirements related to
controls and accounting audits)
Stamp Duty on bank statement
C/A Euro
C/A Foreign Currency
ZERO
ZERO
EUR 3.00
USD 3.00
EUR 100,00
USD 100.00
As indicated by law
Name and legal form: Banco do Brasil AG – Italian Branch, Registered office: Wien (Austria); Member of Banking Group: Banco do Brasil AG.
Share capital and reserves of the Banco do Brasil AG is equal to Euro 204.487.545,48.
Italian supervisory authority: Bank of Italy. Foreign supervisory authority: Finanzmarktaufsichtsbehörde (FMA) – Austria.
Italian Branch: Opening year: 2015; ABI Code: 03465.2, Entry Number on “Register of Banks” held by Bank of Italy: 5767; Registration number in the Companies Register of Milan, Fiscal Code and VAT
Code (P. IVA): 08897720960, Milan REA 2055324; Austrian guarantee scheme to whom the bank adheres: Einlagensicherung der Banken und Bankiers GmbH; Italian Headquarters Endowment Fund (as
shown by the last approved balance sheet): € 12.911.422,48.
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INFORMATION SHEET
CONTRACT OF ORDINARY CURRENT ACCOUNT
FOR NON CONSUMERS
IN EURO AND FOREIGN CURRENCY
PAYMENT SERVICES
COLLECTION OF CHEQUES IN EURO
Expenses for cheque paid
Expenses for cheque unpaid, paid late, overdue, recalled, irregular
Expenses for cheque protested (protestato)
COLLECTION OF FOREIGN CHEQUES IN EURO
Fixed fee
Commission of Intervention
COLLECTION OF FOREIGN CHEQUES IN FOREIGN CURRENCY
Fixed fee
Commission of Intervention
OUTGOING TRANSFERS - FEES AND EXPENSES
C/A Euro
C/A Foreign Currency
Euro 0.00
Euro 25,00 for each
cheque
2% with a minimum of Eur
25,00 and a maximum of
Eur 100,00 in addition to
protest fees
Service not available
Service not available
C/A Euro
C/A Foreign Currency
ZERO
ZERO
ZERO
ZERO
C/A Euro
C/A Foreign Currency
ZERO
ZERO
ZERO
ZERO
C/A Euro
C/A Foreign Currency
Service not available
SEPA Credit Transfer (SCT- SEPA Credit Transfer) - In Euro towards SEPA
EUR 1.00
EUR 1.00
The bank applies the foreign
exchange rate of “Currency
At the branch
List Banco do Brasil” on
display each day at the branch
counter
On line
Service not available
Service not available
Urgent transfers or transfer of amount exceeding EUR 500,000 (Domestic Italian BIR – Bonifici di Importo Rilevante, transfer of relevant
amount)
At the branch
EUR 1.00
Service not available
On line
Service not available
Service not available
International Bank Transfer - In currency of the Member State of the EU / EEU not belonging to the monetary union, towards SEPA Area
At the branch – Fixed Fee
EUR 18,00
EUR 18,00
The bank applies the
The bank applies the
foreign exchange rate of
foreign exchange rate of
“Currency List Banco do
“Currency List Banco do
Brasil” on display each
Brasil” on display each
day at the branch counter
day at the branch counter
On line - Fixed Fee
Service not available
Service not available
International Bank Transfer - In Euro or currency other than Euro and the currencies of EU Member States / EEA countries, outside SEPA Area
At the branch – Fixed Fee
EUR 18,00
EUR 18,00
The bank applies the
The bank applies the
foreign exchange rate of
foreign exchange rate of
“Currency List Banco do
“Currency List Banco do
Brasil” on display each
Brasil” on display each
day at the branch counter
day at the branch counter
On line – Fixed Fee
Service not available
Service not available
EUR 5.00
The bank applies the foreign
exchange rate of “Currency
Additional fees for any bank transfers with attachments
EUR 5.00
List Banco do Brasil” on
display each day at the
branch counter
EUR 3.50
The bank applies the foreign
exchange rate of “Currency
Penalty for bank transfers with incomplete or incorrect instructions
EUR 3.50
List Banco do Brasil” on
display each day at the
branch counter
Name and legal form: Banco do Brasil AG – Italian Branch, Registered office: Wien (Austria); Member of Banking Group: Banco do Brasil AG.
Share capital and reserves of the Banco do Brasil AG is equal to Euro 204.487.545,48.
Italian supervisory authority: Bank of Italy. Foreign supervisory authority: Finanzmarktaufsichtsbehörde (FMA) – Austria.
Italian Branch: Opening year: 2015; ABI Code: 03465.2, Entry Number on “Register of Banks” held by Bank of Italy: 5767; Registration number in the Companies Register of Milan, Fiscal Code and VAT
Code (P. IVA): 08897720960, Milan REA 2055324; Austrian guarantee scheme to whom the bank adheres: Einlagensicherung der Banken und Bankiers GmbH; Italian Headquarters Endowment Fund (as
shown by the last approved balance sheet): € 12.911.422,48.
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INFORMATION SHEET
CONTRACT OF ORDINARY CURRENT ACCOUNT
FOR NON CONSUMERS
IN EURO AND FOREIGN CURRENCY
OUTGOING TRANSFERS - TIME LIMITS FOR RECEPTION*
SEPA Credit Transfer (SEPA Credit Transfer)
In Euro towards SEPA
International Bank Transfer
In currency of the Member State of the EU / EEU not belonging to the monetary
union towards SEPA Area
Channel
C/A Euro and
Foreign Currency
Time Limit (cut off)
Branch
On Line
Branch
Within 11 a.m.
Service not available
Within 11 a.m.
On Line
Service not available
Branch
International Bank Transfer
In Euro or currency other than Euro and the currencies of EU Member States / EEA
On Line
countries outside the SEPA Area
*) Time limit beyond which any payment orders shall be deemed received on the following business day
Within 11 a.m.
OUTGOING TRANSFERS - EXECUTION TIMES
Channel
C/A Euro and
Foreign Currency
Day of crediting
the Bank of the
beneficiary *
Branch
On Line
Same working day as
debit entry for payer
Service not available
Branch
Debit date + 1 w.d.
On Line
Service not available
Branch
Debit date + 1 w.d.
On Line
Service not available
Internal Bank Banco do Brasil Italy
SEPA Credit Transfer (SEPA Credit Transfer)
In Euro towards SEPA
International Bank Transfer
In currency of the Member State of the EU / EEU not belonging to the monetary
union towards SEPA Area
Service not available
International Bank Transfer
Branch
Debit date + 1 w.d.
In Euro or currency other than Euro and the currencies of EU Member States / EEA
On Line
Service not available
countries, outside the SEPA Area
* The cut-off will be anticipated at 10 a.m. for the semi-working days (e.g, day of the patron saint , August 14th, Dec 24th , Dec. 31th).
INCOMING TRANSFERS - FEES AND EXPENSES
SEPA Credit Transfer (SEPA Credit Transfer) - in Euro from SEPA
Urgent transfers or transfer of amount exceeding EUR 500,000 (Domestic Italian
BIR – Bonifici di Importo Rilevante, transfer of relevant amount)
International Bank Transfer – SHA, BEN, OUR
Fixed Fee
DIRECT DEBIT PAYMENT - FEES AND EXPENSES
SDD SEPA Core Direct Debit
C/A Euro
Same/other Bank
C/A Foreign
Currency
Same/other bank
EUR 0,00
EUR 0,00
EUR 0,00
EUR 0,00
EUR 75,00
With correct IBAN
EUR 75,00
With correct IBAN
EUR 150,00
With non-correct or
missing IBAN
EUR 150,00
With non-correct or missing
IBAN
The bank applies the
foreign exchange rate of
“Currency List Banco do
Brasil” on display each
day at the branch counter
The bank applies the
foreign exchange rate of
“Currency List Banco do
Brasil” on display each day
at the branch counter
C/A Euro
C/A Foreign
Currency
EUR 1,00
Service not available
Name and legal form: Banco do Brasil AG – Italian Branch, Registered office: Wien (Austria); Member of Banking Group: Banco do Brasil AG.
Share capital and reserves of the Banco do Brasil AG is equal to Euro 204.487.545,48.
Italian supervisory authority: Bank of Italy. Foreign supervisory authority: Finanzmarktaufsichtsbehörde (FMA) – Austria.
Italian Branch: Opening year: 2015; ABI Code: 03465.2, Entry Number on “Register of Banks” held by Bank of Italy: 5767; Registration number in the Companies Register of Milan, Fiscal Code and VAT
Code (P. IVA): 08897720960, Milan REA 2055324; Austrian guarantee scheme to whom the bank adheres: Einlagensicherung der Banken und Bankiers GmbH; Italian Headquarters Endowment Fund (as
shown by the last approved balance sheet): € 12.911.422,48.
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INFORMATION SHEET
CONTRACT OF ORDINARY CURRENT ACCOUNT
FOR NON CONSUMERS
IN EURO AND FOREIGN CURRENCY
DEPOSITS – VALUE DATES
C/A Euro
C/A Foreign
Currency
Cash
Cheques other banks in Italy
Date of deposit
Date of deposit + 3 w.d.
Date of deposit
Service not available
Cashier’s Cheques issued by other banks in Italy
Date of deposit + 1 w.d.
Service not available
Money Orders (vaglia) issued by Bank of Italy
Date of deposit + 1 w.d.
Service not available
Money Orders and Cheques issued by Poste Italiane
Date of deposit + 3 w.d.
Service not available
Cheques (in Euro) drawn on non-resident accounts at Italian banks or on foreign
banks
2 working days after the
date of receipt of funds
2 working days after the
date of receipt of funds
Cheques (in foreign currency) drawn on branches of other Italian or foreign banks
2 working days after the
date of receipt of funds
2 working days after the
date of receipt of funds
C/A Euro
C/A Foreign
Currency
Payment execution date
Payment execution date
Payment execution date
Payment execution date
Payment execution date
Payment execution date
OUTGOING TRANSFERS – VALUE DATES
Internal Bank Banco do Brasil Italy
SEPA Credit Transfer (SEPA Credit Transfer) - In Euro towards SEPA
International Bank Transfer In currency of the Member State of the EU / EEU not belonging to the monetary
union towards SEPA Area
International Bank Transfer
In Euro or currency other than Euro and the currencies of EU Member States / EEA
countrie,s outside SEPA
INCOMING TRANSFERS– VALUE DATES
(Date of crediting the bank (Date of crediting the bank
of the beneficiary)
of the beneficiary) Payment
Payment execution date +
execution date + 2 w.d.
2 w.d.
C/A Euro
Internal Bank Banco do Brasil Italy
C/A Foreign
Currency
Equal to payment
Equal to payment execution
execution date for the
date for the payer
payer
Same business day of
Same business day of
receipt of funds in the
receipt of funds in the
account of the bank
account of the bank
(settlement date)
(settlement date)
Working date of
Working date of negotiation
negotiation of the foreign
of the foreign exchange
exchange (forex calendar)
(forex calendar)
SEPA Credit Transfer (SEPA Credit Transfer)
In Euro fromSEPA
International Bank Transfer – SHA, BEN, OUR
DIRECT DEBIT PAYMENT– VALUE DATES
C/A Euro
SDD SEPA Core Direct Debit
Funds are credited to the
beneficiary's bank on the
due date
C/A Foreign
Currency
Service not available
Name and legal form: Banco do Brasil AG – Italian Branch, Registered office: Wien (Austria); Member of Banking Group: Banco do Brasil AG.
Share capital and reserves of the Banco do Brasil AG is equal to Euro 204.487.545,48.
Italian supervisory authority: Bank of Italy. Foreign supervisory authority: Finanzmarktaufsichtsbehörde (FMA) – Austria.
Italian Branch: Opening year: 2015; ABI Code: 03465.2, Entry Number on “Register of Banks” held by Bank of Italy: 5767; Registration number in the Companies Register of Milan, Fiscal Code and VAT
Code (P. IVA): 08897720960, Milan REA 2055324; Austrian guarantee scheme to whom the bank adheres: Einlagensicherung der Banken und Bankiers GmbH; Italian Headquarters Endowment Fund (as
shown by the last approved balance sheet): € 12.911.422,48.
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INFORMATION SHEET
CONTRACT OF ORDINARY CURRENT ACCOUNT
FOR NON CONSUMERS
IN EURO AND FOREIGN CURRENCY
TERMINATION AND COMPLAINTS
Termination of contract
The customer may cancel the contract at any time, without penalties and without closing of account expenses.
Due date for the closing of the contract
Conto Corrente:
Nr. 3 (three) working days if the account has not additional services and nr. 10 (ten) working days if there are additional
services connected, in both cases from the day of reception of the customer communication.
Sending of Daily account balance via SWIFT:
Nr. 3 (three) working days from the day of reception of the customer communication.
Complaints
Complaints must be sent to the Complaints Office of BANCO DO BRASIL, Via Dante, 9 - 20123 Milan, who will respond
within 30 calendar days from receipt.
The methods for a customer to file a complaint and for the bank to reply include:
- ordinary mail service: Ufficio Reclami del Banco do Brasil, via Dante n. 9 – 20123 Milano
- electronic mail: [email protected]
- certified electronic mail: [email protected].
Should the customer be not fully satisfied or in case a reply by the Bank is not received within 30 days, before going to
court, the complaint can be addressed to:

Banking and Finance Arbitrator (Arbitro Bancario e Finanziario - ABF). For instructions on how to contact the
Arbitrator please check the website www.arbitrobancariofinanziario.it or refer to the Branches of the Bank of
Italy or ask the Bank directly.

Conciliator For Banks and Financial Institutions. If a dispute arises with the Bank, the Client may initiate a
conciliation procedure to attempt to reach an agreement with the Bank, with the assistance of an independent
mediator. For this service, please contact the Conciliator for Banks and Financial Institutions (Conciliatore
BancarioFinanziario), registered in the Ministry of Justice registry, based in Rome, via delle Botteghe Oscure 54,
phone 06/674 821, website www.conciliatorebancario.it .

The Bank of Italy is in charge of supervision on the activities performed by the bank for this service. The customer
has the right to submit complaints to the Bank of Italy.
LEGEND
Direct Debit
Annual maintenance fee
Capitalization of interest
Commission for Fast Credit investigation
(Commissione di Istruttoria Veloce)
All-inclusive fee
(Commissione Omnicomprensiva)
Payment service for debiting an account of the payer when a payment transaction is initiated by
the beneficiary on the basis of the consent of the payer.
Fixed costs for the management of the account.
Periodical fixed amount including a predetermined number of free of charge transactions within
the interest liquidation period defined.
Once credited and debited to the account, interest are included in the balance and in turn
produce interest.
Commission to carry out the preliminary credit investigation, when the customer perform
operations that determine an overdraft or an increase of the amount of an existing overdraft.
Fee calculated in proportion to the sum made available to the customer and to the duration of
the financing. Its amount cannot exceed 0.5% per quarter, of the sum made available to the
customer.
Name and legal form: Banco do Brasil AG – Italian Branch, Registered office: Wien (Austria); Member of Banking Group: Banco do Brasil AG.
Share capital and reserves of the Banco do Brasil AG is equal to Euro 204.487.545,48.
Italian supervisory authority: Bank of Italy. Foreign supervisory authority: Finanzmarktaufsichtsbehörde (FMA) – Austria.
Italian Branch: Opening year: 2015; ABI Code: 03465.2, Entry Number on “Register of Banks” held by Bank of Italy: 5767; Registration number in the Companies Register of Milan, Fiscal Code and VAT
Code (P. IVA): 08897720960, Milan REA 2055324; Austrian guarantee scheme to whom the bank adheres: Einlagensicherung der Banken und Bankiers GmbH; Italian Headquarters Endowment Fund (as
shown by the last approved balance sheet): € 12.911.422,48.
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INFORMATION SHEET
CONTRACT OF ORDINARY CURRENT ACCOUNT
FOR NON CONSUMERS
IN EURO AND FOREIGN CURRENCY
Economic availability
Number of days after the date of the transaction after which the customer can use the sums
paid-in.
World-wide communication network with public access, currently representing the main mass
communication mean. The interconnection between computers is made possible by a series of
network protocols, which constitute the common "language" with which the computers
connected to the Internet (hosts) are interconnected and communicate with each other
regardless of their hardware and software architecture.
It is a service technical platform for Italian companies, holders of heated relations with foreign
banks, and foreign companies, account holders at the Bank, which allows the company to
receive / view the situation of such existing relationships.
INTERNET
Home or Internet Banking
Balance per value date
Amount on which credit and debit interests are calculated.
Legal availability
Number of working days after the date of the transaction within which the bank can re-debit on
the account the amount paid-in without notice.
European Economic Area: Economic Agreement involving 31 European countries: 3 EFTA
countries (Iceland, Liechtenstein, Norway) + 28 European Union
European Free Trade Association: alternative economic organization for European states who
would not, or could not yet, join the European Economic Community , now the European Union
.Includes: Iceland, Liechtenstein, Norway and Switzerland.
Sum which the bank agrees to make available to the customer in addition to the available
balance.
The day on which the bank of the payer or of the beneficiary involved in the execution of a
payment transaction are operational, according to what is necessary for the execution of the
transaction itself.
Amount available in the account and that the account holder can use.
Amount on which debit or credit interests are calculated.
Sum that the bank has agreed to pay when the customer has given a payment order (bank
transfer, check, payment of utility bills) even if there is no available balance on the customer
account. It is an overdraft also when the amount to be paid exceeds the credit facility limit.
Money transfer in Euro executed within the SEPA area and in accordance with the SEPA rules,
practices and standards set by the EPC (European Payment Council), self-regulatory body
created on the initiative of the European banking industry as a decision-making body for the
coordination and the creation of SEPA- Single European Payment Area
Direct debit transaction carried out within the SEPA area. It can be configured according to two
schemes of collection: i) Core SDD, useable, on the side of the payer, by all types of customers;
ii) SDD B2B (Business to Business), to be used when the payer is a customer other than a
consumer.
Area in which citizens and companies can make and receive payments in euro with basic
conditions, rights and obligations consistent in all 28 EU countries, in EEA countries (Norway,
Iceland and Liechtenstein), in Switzerland, in the Principality of Monaco and in San Marino
Cost for the accounting recording of each operation other than the number of operations that
are included in the annual account maintenance fee. This fee is added to the cost of the specific
operation.
Acronym standing for Society for Worldwide Interbank Financial Telecommunications: it is the
international computer network of communication between the banking institutions associated
with it that allows them to exchange financial transactions and information messages with very
high security levels.
The technical standard for the file structure and the parameters values with which the daily
account statement is sent on SWIFT network.
Amount charged on the occasion of the periodic settlement of credit and debit interests and all
relevant fees and expenses on the account.
EEA - European Economic Area
EFTA - European Free Trade Association
Credit Facility
Business or Working day
Available Balance
Value date Balance
Overdraft without credit facility or Overdraft
exceeding credit facility
SCT - SEPA Credit Transfer
SDD - SEPA Direct Debit
SEPA - Single Euro Payments Area
Fee per entry not included in the annual
account maintenance fee
SWIFT
SWIFT MT940 Format
Fee for the Yearly Closing of Account and
interests settlement
Fee for Account
documents
statement
TARGET2
Nominal annual credit rate
Nominal annual debit rate
and
other Fees that the bank applies each time it sends the account statement, and other documents,
according to the type of document, frequency and the channel of communication established in
the contract.
Inter-banking system for the real-time processing of cross-border money transfers in the whole
European Union.
Rate applicable per annum, used to periodically calculate the interest payable on the amounts
deposited, interest which are then credited to the current account, net of fiscal deductions.
Rate applicable per annum, used to periodically calculate the interest payable by the customer
in case of use of a credit facility and/or an overdraft. Such interests are then debited on the
account.
Name and legal form: Banco do Brasil AG – Italian Branch, Registered office: Wien (Austria); Member of Banking Group: Banco do Brasil AG.
Share capital and reserves of the Banco do Brasil AG is equal to Euro 204.487.545,48.
Italian supervisory authority: Bank of Italy. Foreign supervisory authority: Finanzmarktaufsichtsbehörde (FMA) – Austria.
Italian Branch: Opening year: 2015; ABI Code: 03465.2, Entry Number on “Register of Banks” held by Bank of Italy: 5767; Registration number in the Companies Register of Milan, Fiscal Code and VAT
Code (P. IVA): 08897720960, Milan REA 2055324; Austrian guarantee scheme to whom the bank adheres: Einlagensicherung der Banken und Bankiers GmbH; Italian Headquarters Endowment Fund (as
shown by the last approved balance sheet): € 12.911.422,48.
Pag. 9 a 10
Mod. E/0001-A PG
EUR/USD
Version 0006 15/11/2016
INFORMATION SHEET
CONTRACT OF ORDINARY CURRENT ACCOUNT
FOR NON CONSUMERS
IN EURO AND FOREIGN CURRENCY
Effective Rate (Tasso effettivo)
All-In Average Effective Rate (TEGM-Tasso
Effetivo Globale Medio)
EU - European Union
EMU - European Monetary Union
Value Date on withdrawals
Value Date on deposits
Value of the rate, calculated on an annual basis, which takes into account the effects of
periodicity - if less than one year – of the capitalization of interest.
Interest rate published every three months by the Italian Ministry of Economy and Finance, as
required by the usury law. In order to verify if the requested interest rate is usurious, and
therefore prohibited, it is necessary to identify, among all published rates, the threshold rate for
the specific operation and make sure that the rate requested by the bank is not above it.
The European Union (EU) is a supranational and intergovernmental organization, which from
July 1st 2013 includes 28 independent and democratic member states, of which 18 are
members of the European Monetary Union and 10 members can execute exchanges in Euro
without having adopted the Euro as the domestic currency.
The group states of the European Union that adopt the Euro as official domestic currency,
forming the “Economic and Monetary Union of the European Union”. In 2014, EMU is
composed of 18 member states.
Number of days between the date of withdrawal and the date on which debit interest start to be
counted.
Number of days between the date of withdrawal and the date on which debit interest start to be
counted.
Name and legal form: Banco do Brasil AG – Italian Branch, Registered office: Wien (Austria); Member of Banking Group: Banco do Brasil AG.
Share capital and reserves of the Banco do Brasil AG is equal to Euro 204.487.545,48.
Italian supervisory authority: Bank of Italy. Foreign supervisory authority: Finanzmarktaufsichtsbehörde (FMA) – Austria.
Italian Branch: Opening year: 2015; ABI Code: 03465.2, Entry Number on “Register of Banks” held by Bank of Italy: 5767; Registration number in the Companies Register of Milan, Fiscal Code and VAT
Code (P. IVA): 08897720960, Milan REA 2055324; Austrian guarantee scheme to whom the bank adheres: Einlagensicherung der Banken und Bankiers GmbH; Italian Headquarters Endowment Fund (as
shown by the last approved balance sheet): € 12.911.422,48.
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