Bank DnB NORD Polska provides comprehensive client service with regard to foreign
exchange transactions (FX Transactions).

We offer spot transactions (current day settlement, next day settlement or settlement on transaction day + 2 working days) and forward agreements.

Forward transactions consist of purchasing and selling a certain amount of currencies on a set day in the future at the exchange rate fixed at the moment of the transaction. This allows client to secure oneself against exchange risks and to make detailed plans and project expenses and incomes related to the currency swap.

Bank DnB NORD Polska concludes forward transactions for an amount over EUR 50,000 or its
equivalent in other currencies. The Bank ensures attractive currency exchange rates to its Clients.

The terms are negotiated directly with the Treasury Department:

• in the case of spots, exceeding EUR 50,000 (or its equivalent in other currency)

• each time, in each case of forward transactions.