1)Free withdrawals from BGL BNP Paribas ATMs. Only applies to withdrawals using the V PAY debit card. For charges linked to withdrawals made in Luxembourg or in the EU with a credit card (VISA or Mastercard), EUR 2.48 per withdrawal + 2% of the amount withdrawn. 2)Including standing orders and direct debits. Euro-transfers: transfers in EUR (up to EUR 125,000) in Luxembourg and to an account held within the SEPA zone: EU countries, Norway, Liechtenstein, Iceland, Monaco, Switzerland (+ Andorra, San Marino, Vatican) with beneficiary's IBAN and BIC, "shared charges" selected
3) Does not include fees incurred in connection with account administration (custody fees, transaction fees, etc.) that are charged to the client.