LARGE CORPORATE AND CORPORATIONS

Transcription

1 List of Fees LARGE CORPORATE AND CORPORATIONS Turnover over 1,2 billion FINANCIAL INSTITUTIONS Valid from 15 May 2017

2 Contents 1. Current accounts and deposits Current accounts Special accounts Time deposits Deposit bills Real Cash Pooling Other Payments Cash payments Foreign exchange operations Domestic electronic payments Foreign electronic payments Direct banking Sberbank Online Banking Smart Banking Homebanking MultiCash Informational text / messages Payment cards Debit cards Loans and guarantees Loans Guarantees Financing of operations claim assignment Real estate financing (developer and design work) Fees for breach of contract Documentary transactions Buyer documentary l/c and stand-by l/c Supplier documentary l/c and stand-by l/c Import documentary l/c and stand-by l/c Export documentary l/c and stand-by l/c Documentary collections Other 18 Page 01

3 Contents 7. Investment Bonds Funds Other Other banking services Cheques Banking information Safe deposit boxes Day and night depositories Other Inactive products and services Payment cards Investment certificates Shares 24 Page 02

4 1. Current accounts and deposits 1.1 Current accounts Current account Account opening / change / closing Account maintenance (monthly)* Account maintenance (clients using no direct banking channels; monthly fee)** Account statement (per statement)*** Electronic account statement (e-statement)/collection via Infoterminal by post upon turnover / weekly / monthly / quarterly / yearly**** 40 Copy of statement 50 Account balance and other confirmation***** 200 Fee for dispatch key (annual) 400 Account block upon client request 200 Blockage of payment of deposit products 500 * The fee is charged on the last business day of the calendar month. ** The fee is charged on the last business day of the calendar month. *** Statements are normally delivered electronically (e-statements) or via Infoterminal. For accounts opened prior to 31 October 2009, statements are delivered as agreed in the account contract. The fee is charged per copy. **** Applies for time deposits only. Quarterly statement is not possible to arrange for a current account. ***** Opened account, paid fee, etc Escrow account Opening and maintenance of an Escrow account, addendum to an Escrow account contract 0.2% of the deposited amount, min. 5,000 Changes to sample contractual documentation at the client's request 4, Special accounts Special current account for the purpose of repayment / increase of company s equity capital Cash fee for opening an account 500 Maintenance of an account (monthly) Issue of Confirmation of deposit of funds to an account See Chapter Current accounts 1.3 Time deposits Account opening / maintenance / renewal (time deposits) Early withdrawal of funds from a time deposit / early cancellation of a time deposit Free of charge 2% of the early withdrawal amount, min. 1,000 Page 03

5 1. Current accounts and deposits 1.4 Deposit bills Issue of a deposit bill of exchange Early payment of a deposit bill of exchange Custody of a deposit bill of exchange (monthly) Free of charge 2% of the amount withdrawn before maturity, min. 1,000 Free of charge 1.5 Real Cash Pooling Implementation / Amendment / Cancellation Maintenance (monthly) 1.6 Other Interest rate for unauthorised debit balance on current accounts 25% p.a. Fee for a reminder to settle a debit balance on the account First reminder 250 Second and each subsequent reminder 500 Infoterminal fee for loss of Infocard 200 Added deposits (annual fee)* 0,18% of the calculated amount * Charged to clients with a total volume of deposits of 50 million () arranged with Sberbank CZ in any currency by 31 December of the given year (i.e. deposits in the current, escrow, savings, deposit, investment, valuation or revenue accounts and/or time deposits, deposit notes, structured deposits, repo transactions); derived from the amount calculated as the total volume of deposits arranged by the client with Sberbank CZ by 31 December of the given year less the highest of the following three values: (a) deposit balance on 31 October of the given year; or (b) average daily deposit balance from 1 January to 31 October of the given year rounded off to the nearest million; or (c) 50 million. Not charged if the amount so calculated is less than zero. Due by the end of March of the following year; charged annually to any account opened by the client with Sberbank CZ; and converted (if necessary) at the bid-ask mid-point exchange rate of Sberbank CZ. Page 04

6 2. Payments 2.1 Cash payments Cash deposit (at branch) Free of charge Additional fee charged to the deposit of unsorted banknotes (> 500,000 ) / day 0.1%, max. 1,000 Additional fee charged to the deposit of foreign currency (> 500,000 ) / day 0.1%, max. 1,000 Coin deposit (> 100 coins) 2%, min. 100 Exchange of coins ( 101 pcs / nominal value) 2%, min. 100 Cash withdrawal (at branch) 60 Additional fee charged to the withdrawal of cash above 250,000 / day 0.2% Large withdrawal without notice (> 250,000 ) 1,000 Uncollected funds (large withdrawals above 250,000, noticed) 0.5%, min. 500 Exchange of banknotes ( 101 pcs / nominal value) 1.5% Additional fee charged to the withdrawal of foreign currency (excl. EUR, USD, GBP, CHF) 0.5% 2.2 Foreign exchange operations Purchase / sale of foreign currency 1%, min. 50 Page 05

7 2. Payments 2.3 Domestic electronic payments Incoming payments Incoming payment within Sberbank CZ Incoming payment from another bank* 5 Entries are charged on the last business day of the calendar month. * Including incoming payment credited to a foreign currency account Outgoing payments Outgoing payment (direct banking / system generated)* Entry within Sberbank CZ (including standing order and permitted direct debit entries) Outgoing payment outside Sberbank CZ (standing order, pre-authorised direct debit, SIPO) 5 Outgoing PayU payment 5 Outgoing payment submitted on a paper form 75 Entries are charged on the last business day of the calendar month. * A payment generated by the system shall mean a payment executed on the basis of an application to establish a standing order, SIPO and permitted direct debit submitted electronically, via phone or personally in a branch Standing orders Standing order, SIPO, permitted direct debit in paper form Opening/change/closing 50 Standing order domestic, SIPO, permitted direct debit electronically Opening/change/closing Other Urgent payment (surcharge) 200 Unprocessed payment accepted by the bank and revoked on the payment date (always subject to agreement with the bank) (per payment) Payment confirmation (processed payment / credited payment / standing order and pre-authorised direct debit) Advice note on payment order failure due to insufficient funds on account, payment order error or illegibility (entry) Electronically (Sberbank Online Banking) / via Infoterminal* By post 50 * Infoterminal (available at selected branches) can be used to print out notifications of non-payment (insufficient funds). Other notifications are sent to clients by post. Page 06

8 2. Payments 2.4 Foreign electronic payments Sberbank CZ reserves the right to stipulate the exchange rates for incoming, outgoing and intra-bank FX payments in excess of 1,250,000 (or rouble payments in excess of RUB 500,000) in other currencies with reference to the current inter-bank market exchange rates. The percentage fees are calculated with reference to the transaction amount Incoming payments Incoming payment with BEN/SHA payment instructions (foreign currency / payment from abroad, foreign currency payment from another domestic bank) Incoming payment within Sberbank / OUR incoming payment 0.9% of the amount, min. 150; max. 900 SEPA payment up to EUR 50,000 (inclusive)* 150 SEPA payment in excess of EUR 50,000* Payment submitted as a foreign in EUR remitted from the EEA countries with SHA payment instructions up to EUR 50,000 Sberbank payment** 0.9% of the amount, min. 150; max Rouble payment*** 100 INFORMATION FOR CLIENTS: If the parameters of a foreign payment (excluding SEPA payment) meet the definition of several payment types, the client is charged the lowest fee. That is, if the parameters (currency, country, bank) of the foreign payment in question meets the definition of the Sberbank payment, the client is charged a fee applicable to Sberbank payments; the same applies also to incoming payments remitted from Sberbank of Russia and/or its subsidiary banks in Belarus, Kazakstan and Ukraine submitted as a Rouble payment where the client is also charged a fee applicable to Sberbank payments. Incoming payment up to 150 is. * SEPA Payment A payment in EUR remitted from the Single Euro Payments Area (cf the SEPA payment definition and list of SEPA banks in the Payments Terms and Conditions). The fee is charged on the last business day of the calendar month. ** Sberbank Payment An incoming payment in EUR, USD, RUB and remitted from Sberbank of Russia and its subsidiary banks in Belarus, Kazakhstan and Ukraine (may be subject to the fees charged and deducted by the correspondent banks); and An incoming payment in remitted from Sberbank Europe AG (Austria) and its subsidiary banks in Bosnia and Herzegovina, Croatia, Hungary, Serbia and Slovenia and an incoming payment in EUR remitted from the subsidiary banks of Sberbank Europe AG in Bosnia and Herzegovina and Serbia. *** Rouble Payment An incoming payment in RUB other than Sberbank Payment. Page 07

9 2. Payments 2.4 Foreign electronic payments Outgoing payments Payment directed abroad in a foreign currency or in / Payment to another domestic bank in a foreign currency 1%, min. 300; max. 1,700 Surcharge for OUR payment* 1%, min. 300; max. 1,500 Outgoing payment within Sberbank CZ SEPA payment up to EUR 50,000 (inclusive)** 250 SEPA payment in excess of EUR 50,000** 1%, min. 300; max. 1,700 Payment submitted as a foreign payment in EUR remitted to the EEA countries with SHA payment instructions up to EUR 50, Sberbank payment*** 100 Rouble payment**** 300 INFORMATION FOR CLIENTS: If the parameters of a foreign payment (excluding SEPA payment) meet the definition of several payment types, the client is charged the lowest fee. That is, if the parameters (currency, country, bank) of the foreign payment in question meets the definition of the Sberbank payment, the client is charged a fee applicable to Sberbank payments; the same applies also to outgoing payments remitted to Sberbank of Russia and/or its subsidiary banks in Belarus, Kazakstan and Ukraine submitted by the client as a Rouble payment where the client is also charged a fee applicable to Sberbank payments. * All fees and charges paid by the payer; beneficiary receives all payment. ** SEPA Payment A standard (other than urgent) payment in EUR remitted to SEPA banks (cf the SEPA payment definition and list of SEPA banks in the Payments Terms and Conditions). The fee is charged on the last business day of the calendar month. *** Sberbank Payment An outgoing payment in EUR, USD, RUB and remitted to Sberbank of Russia and its subsidiary banks in Belarus, Kazakhstan and Ukraine (payments with OUR payment instructions are subject to a preferential fee of 300); and An outgoing payment in remitted to Sberbank Europe AG (Austria) and its subsidiary banks in Bosnia and Herzegovina, Croatia, Hungary, Serbia and Slovenia and a payment in EUR remitted to the subsidiary banks of Sberbank Europe AG in Bosnia and Herzegovina and Serbia. If submitted with OUR payment instructions, these payments are subject to a standard fee charged for payments with OUR payment instructions. **** Rouble Payment An outgoing payment in RUB other than Sberbank Payment. Payments with OUR payment instructions are subject to a fee of 300. Page 08

10 2. Payments 2.4 Foreign electronic payments Other Unprocessed payment accepted by the bank and revoked or modified on the payment date (always subject to agreement with the bank) (per payment) Request to change the instructions / cancel and/or investigate a processed payment (requested by client or other bank) fees charged by other banks Urgent payment (surcharge) 750 Confirmation of payment execution (SWIFT message) upon submission of the payment order 200 Confirmation of payment execution (SWIFT message) at the client s request after submission of the payment order 300 Notification of non-payment (insufficient funds, incorrect or illegible payment details) electronic (Sberbank Online Banking) / printed out at Infoterminal by post 200 Surcharge for executing a payment after the cut-off time (always only upon previous agreement with the Bank) Fee for deletion of an electronic payment order due to insufficient funds (incl. foreign currency transfers within Sberbank CZ) Sending MT 940 account statements from one account via SWIFT (monthly) 1,000 One-time fee for set up of MT940 account statements sent via SWIFT 1,000 Crediting a returned payment due to incorrect instructions given by the client 300 Surcharge for NON-STOP payment* 400 Surcharge for paper payment order (incl. foreign currency transfers within Sberbank CZ) 300 Standing orders Foreign standing order (opening/changing/closing) 200 * Any payment orders corrected manually by the bank (incorrect values, missing values, values in incorrect fields) are subject to an additional fee charged for a NON-STP payment Page 09

11 3. Direct banking 3.1 Sberbank Online Banking Monthly use fee* 150 Cancellation of the service One-off charge for activation of safety token (1st and 2nd token for one client) One-off charge for activation of safety token (3rd and subsequent tokens for one client) 300 One-off charge for issue of safety envelopes Renewal of security data 150 Issue of new token due to token expiration Issue of new token due to loss/theft/damage by client 450 * The fee is charged in full to all clients who order the Sberbank Online Banking service. 3.2 Smart Banking Monthly use fee Cancellation of the service * Services arranged only to the active Sberbank Online Banking services. 3.3 Homebanking Monthly use fee* 300 One-off charge for Gemini software (including installation and training)** 3,000 Additional user station 1,500 One-off charge for activation of safety token (1st and 2nd token for one client) One-off charge for activation of safety token (3rd and subsequent tokens for one client) 300 One-off charge for issue of safety envelopes Renewal of signature certificate/security data 150 Other services (repeat Gemini software training / reinstallation at client's premises upon client's request) Cancellation of the service 1,000 per hour of work * The fee is charged in full to all clients who order the Homebanking service. ** Valid only within the Czech Republic. Page 10

12 3. Direct banking 3.4 MultiCash Monthly use fee 1,000 One-off charge for installation 7,000 One-off fee for activation 3,000 Other services (repeat Multicash software training / reinstallation at client's premises upon client's request) Cancellation of the service 1,000 per hour of work Fees apply to one installation of software, which can serve any number of accounts held by multiple clients (multiple legal entities or individuals) at Sberbank CZ. 3.5 Informational text / messages Notification text message Notification Notification text messages / s with information about: Sberbank Online Banking login / balance / unauthorised overdraft / incoming transaction / outgoing transaction / regular balance / card to be collected at a branch / online payment (card transaction) / held amount (card transaction) / unsuccessful card transaction authorisation. Page 11

13 4. Payment cards 4.1 Debit cards Debit card maintenance (monthly fee) Business debit card* Maestro / VISA Electron 30 MasterCard Standard / VISA Classic 60 MasterCard Business / VISA Business** 200 MasterCard Gold / VISA Gold*** 400 * The fee is charged on the last business day of the calendar month. ** Including Exclusive Travel Insurance by ČSOB Pojišťovna and Legal Protection Insurance for drivers. *** Including Gold Travel Insurance by ČSOB Pojišťovna and Legal Protection Insurance for drivers Debit card transactions ATM cash withdrawal using a Maestro / MasterCard / VISA Electron / VISA card From a Sberbank ATM in the Czech Republic 5 From a CSOB and Era ATM in the Czech Republic 10 From the ATM of another bank or company in the Czech Republic 37 From a ATM abroad % of the amount Cash withdrawal at the bank counter (Cash Advance) Czech Republic 1% min. 50 Abroad % Electronic payment for goods and services Other Card issue Re-issued card as per client s request 200 Forgotten PIN issue of new PIN 160 ATM PIN change 35 ATM balance inquiry (ATMs of Sberbank CZ, ČSOB and Era) ATM balance inquiry (ATMs of other banks and abroad) 9 CNP limit change (e.g. internet payments) ATM / POS limit change (on-line) / 60 (at branch) Release of replacement cash abroad 3,000 Issue of a replacement card abroad 4,000 Released card retained at Sberbank CZ ATM 500 Page 12

14 4. Payment cards 4.1 Debit cards Insurance for debit cards Insurance by Cardif Pojišťovna (monthly fee) Individual travel insurance 49 Family travel insurance 79 Card and personal possessions insurance 59 Insurance arranged to a valid card only (cannot be transferred). Page 13

15 5. Loans and guarantees 5.1 Loans Acceptance and evaluation of a loan application / loan promise Loan processing / loan promise Loan administration (annual) Fee for extension of an operating loan provided for a definite period of time Fee for undrawn credit line Change to contractual conditions at the client's request (per change) Fee for provision of Land Registry record VAT (for Land Registry records consisting of 1 to 3 pages; for each subsequent page the fee is 70 + VAT) 5.2 Guarantees Processing of bank guarantee facility Promise of a bank guarantee Fee for issuing a bank gurantee Administration fee for a bank guarantee (annual) Drafted guarantee/letter of guarantee, reviewed changes of the accepted guarantee, verified signature, verified authenticity, other verifications requested by the client, accepted guarantee (reviewed and processed) min. 500 and max. 3,000 + actual costs (swift, courier, postage) Draft of nonstandard guarantee wording 2,000 Guarantee commission* (calculated as % p.a. of the guarantee amount), min. 1,500 p.a. Amended bank guarantee (as per client's request)** 3,000 Advised guarantee 2,500 Amended guarantee 1,500 Demanded guarantee 2,500 Early guarantee termination 500 SWIFT message (charged in the account/transaction currency) 150/ EUR 6 / USD 7 Fees of correspondent banks paid in full by client * Quarterly fee; paid in advance. ** Issued guarantees with increased guarantee amount or prolonged expiry date are further subject to a guarantee commission. Page 14

16 5. Loans and guarantees 5.3 Financing of operations claim assignment Administration of claim assignment (monthly) Claims submitted electronically Claims submitted in paper form 5.4 Real estate financing (developer and design work) Acceptance and evaluation of a loan application Loan processing Fee for reservation of funds Change to contractual conditions at the client's request Administration and maintenance of an account Property valuation for loans over 30 million 5.5 Fees for breach of contract Request for payment (demand letter) First request for payment (demand letter) 250 Second and additional requests for payment (demand letter) 500 Withdrawn / terminated agreement (loan default / immediate payment due to a breach of obligations) 1,000 Court claim 1,000 Page 15

17 6. Documentary transactions 6.1 Buyer documentary l/c and stand-by l/c Issue of pre-advice note on a L/C 500 Opening a L/C 0.1% for each month commenced, min. 1,000 + individual risk premium (if applicable) Change to L/C conditions* 1,500 Document inspection and/or L/C payment: a) L/C at sight or deferred L/C ( 30 days) 0.2% min. 1,000 b) Deferred payment (> 30 days) 0.1% for every 30 days commenced, min. 1,000 + individual risk premium (if applicable) Unused L/C or cancelled undrawn L/C 500 Documents presented with errors (supplier) 1,000 * L/C with increased amount or prolonged expiry date are further subject to the arrangement fee. 6.2 Supplier documentary l/c and stand-by l/c Pre-advice note for a L/C 500 L/C advice note 0.2%, min. 1,000 Confirmation of a L/C, increase and/or extension of a confirmed L/C* Change to L/C conditions** 1,500 Acceptance of documents/payment of L/C 0.2%, min. 1,000 Closing of L/C 500 Transfer of a L/C 0.25%, min. 1,000 Promise of assignment of L/C yield 1,000 * Fee charged until the maturity/payment day. ** L/C with increased amount are further subject to the advice fee. Page 16

18 6. Documentary Transactions 6.3 Import documentary l/c and stand-by l/c Issue of pre-advice note on a L/C 500 Opening a L/C 0.3%, min. 3,000 for the 1st quarter; 0.1%, min. 1,000 for each subsequent full or partial month + individual risk surcharge Change to L/C conditions* 1,500 Document inspection and/or L/C payment and/or bill acceptance: a) L/C at sight or deferred L/C ( 30 days) 0.3%, min. 1,000 b) Deferred payment (> 30 days) 0.15%, min. 1,000 for each full or partial month + individual risk surcharge Unused L/C or cancelled undrawn L/C 1,000 Release of goods consigned to the bank 1,000 Documents presented with errors (supplier) in or other currency (except for USD and EUR) 1,500 v USD USD 70 v EUR EUR 50 * L/C with increased amount or prolonged expiry date are further subject to the arrangement fee. 6.4 Export documentary l/c and stand-by l/c Pre-advice note for a L/C 500 L/C advice note 0.2%, min. 1,000 L/C advised to another bank (if not advised directly to the beneficiary) Registered L/C as per client's / beneficiary's request Confirmed L/C, increased amount and/or prolonged expiry date of a confirmed L/C* 3,000 ( in the L/C currency) 0.1%, min. 1,000; max. 5,000 Amended L/C terms** 1,500 Document acceptance and inspection, transfer to the issuing / correspondent bank*** 0,3%, min. 1,000 Cancelled L/C and de-registered undrawn L/C 500 Transferred L/C 0,25%, min. 1,000 Notification of assigned payment under L/C 1,000 * Fee charged until the maturity/payment day. ** L/C with increased amount are further subject to the advice fee. *** Documents sent by courier are subject to the fees charged as per the real costs. Fees for export L/C are collected from the payment made under the L/C or from the client s account. The fees are charged even if the L/C is not used. Page 17

19 6. Documentary Transactions 6.5 Documentary collections Collection processing 0.25%, min. 1,000; max. 25,000 Release of goods consigned to the bank 1,000 Arranged acceptance 500 Change to collection instructions 500 Arranged protest 1,500 and actual notary fees Reminded collection instructions (third and any additional reminder) 200 The fees are collected from the payment made under the L/C or from the client s account even if the documents are submitted without payment or returned back abroad. 6.6 Other SWIFT message (charged in the account/transaction currency) 150 / EUR 6 / USD 7 Fee for administration of documentary letters of credit (annually) Page 18

20 7. Investment 7.1 Bonds Purchase or sale Domestic bonds 0.6%, min. 300 International bonds 0.6%, min. EUR 50 Payment upon maturity Domestic bonds International bonds Coupon Payment: Bonds / mortgage bonds issued by Sberbank CZ Domestic bonds International bonds fees of foreign administrators (custodian) = 0.30% of the transaction volume, min. EUR 1.50; max. EUR 50 fees of foreign administrators (custodian) = 0.30% of the transaction volume, min. EUR 1.50; max. EUR 50 Page 19

21 7. Investment 7.2 Funds Purchase of share certificates Money market mutual funds 30, , % 300, , % 1,000, % Bond funds 30, , % 300, , % 1,000, % Equity funds 30, , % 300, , % 1,000, % Mixed funds, guaranteed investment funds, index funds and click funds 30, , % 300, , % 1,000, % Sale of share certificates Transfer of share certificates within a single investment company (exchange of funds) Target fund with a higher purchase fee Target fund with a lower purchase fee Dividend payment difference between the higher and the lower purchase fee charged within the given band (based on the investment amount) 7.3 Other Securities trading new / changed / cancelled order Custody (annual maintenance) Custody account statement (annual / extraordinary) 0.2% p.a., min. 200 / custody incl. VAT Transferred custody Domestic securities To custody From custody Foreign securities To custody From custody 1,000 / transaction + third party costs (upon request) EUR 40 / transaction + third party costs (upon request) Page 20

22 8. Other banking services 8.1 Cheques Collection (third party cheques; services available only to Sberbank CZ clients) Collected amount paid into an account Returned cheque sent for collection (unpaid) Issued Sberbank CZ client cheque 1%, min. 300; max. 3,000 + fees charged by other banks fees charged by other banks 3 per cheque Encashment Cash payment up to 250, Cash payment above 250, % 8.2 Banking information Disclosed banking information about a Sberbank CZ client As per client's request 1,000 + VAT As per client's request for audit purposes 2,000 + VAT Disclosed banking information about a Sberbank CZ client Banking information about a client of another bank disclosed to a Sberbank CZ client VAT per inquiry real costs + 1,000 + VAT per inquiry 8.3 Safe deposit boxes Safe deposit boxes located at: Praha Na Příkopě, Brno M-Palác, Brno Panská, České Budějovice, Hradec Králové, Ostrava, Praha Lazarská, Zlín and Karlovy Vary (for more information about the availability, please contact the respective branch). Size 5,000 cm 3 Annual Rent VAT 5,001 10,000 cm 3 1,020 + VAT 10,001 15,000 cm 3 1,500 + VAT 15,001 30,000 cm 3 2,520 + VAT 30,001 50,000 cm 3 4,020 + VAT 50,001 cm 3 9,000 + VAT Safe deposit box keys (deposit payment, 2 keys) 2,000 Request for payment (outstanding rent) Deposit of not collected contents Not emptied safe deposit box after terminated rental VAT 5,000 per year + VAT real costs incurred in emptying the safe deposit box Page 21

23 8. Other banking services 8.4 Day and night depositories Deposit for release of depository case and keys 3, Other Fees for services not included in the List of Fees For services not listed in the List of Fees* Crediting interest, transfer of deduction tax, charging prices for services Released security interest (movables) 200 for each full or partial 15-minute period of work notary fee + VAT Fee for execution 150 * Other than financial services stipulated in Act No. 235/2004 Sb., governing the value added tax, are subject to VAT at the standard rate Common Provisions Unless stipulated otherwise, all fees are in and the percentage fees are calculated with reference to the transaction amount. Information about other fees not included in this List of Fees is available upon request at Sberbank CZ, a.s. branches. Should you have any questions, please contact your branch advisor. In addition to fees in this List of Fees, Sberbank CZ, a.s. shall charge the client any fees that foreign or domestic banks or other organizations charge for operations carried out at the client s request, unless agreed otherwise in specific cases. Page 22

24 9. Inactive products and services 9.1 Payment cards Insurance for debit cards Travel insurance ČSOB pojišťovna (annual fee)***** Standard 300 Standard Family 900 Exclusive* 1,200 Exclusive Family 2,280 Gold** 1,800 Gold Family 3,000 Insurance against card loss/theft ČSOB pojišťovna (annual fee)***** Basic*** 180 Classic*** 480 Extra*** 840 D.A.S. legal protection insurance for drivers of motor vehicles (annual fee)**** 300 * Insurance is automatically included with MasterCard Busines and VISA Business payment cards included in card price. ** Insurance is automatically included with MasterCard Gold and VISA Gold payment cards included in card price. *** Insurance cannot be arranged with Maestro card. **** Insurance is automatically included with Gold payment cards. ***** The fee is charged on the last day of the calendar month in which the client applied for payment card insurance. Validity of insurance is fixed to card validity (non-transferable). 9.2 Investment certificates OTC-traded investment certificates Purchase during the subscription period Sale of Volksbank AG securities as stipulated for each issue Sale (any amount) 500 Payment upon maturity Coupon payment Publicly traded investment certificates Purchase or sale 1.25%, min. EUR 38 Payment upon maturity Coupon payment 0.30% of the transaction volume, min. EUR 1.50; max. EUR 50 fees of foreign administrators (custodian) = 0.30% of the transaction volume, min. EUR 1.50; max. EUR 50 Page 23

25 9. Inactive products and services 9.3 Shares Sale Czech Republic 1.25%, min. 100 Austria, France, Germany, Italy, Portugal, Spain 1.25%, min. EUR 38 Russia 1.25%, min. EUR 350 Switzerland 1.25%, min. CHF 60 United Kingdom 1.25%, min. GBP % stamp duty upon payment Canada 1.25%, min. CAD 100 USA 1.25%, min. USD 50 Other upon request Dividend payment Domestic shares Foreign shares Stock split, reverse stock split, change of face value, reduction of share capital fees of foreign administrators (custodian) = 0.30% of the transaction volume, min. EUR 1.50; max. EUR 50 Page 24

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